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1 MyAccess Checking^® has no monthly maintenance fee when opened online. Other account related service fees still apply. This special offer is available only online. Offer may be withdrawn or modified at any time without notice.

2 Participating retailers and offers are subject to change. You must have either a Bank of America debit card or credit card and be enrolled in Online Banking to be eligible for participation in the program. Redemption of accrued cash back rebates occurs in accordance with program Terms and Conditions, generally monthly when a minimum of $5.00 cash back has been earned. Program is not available to Online banking customers in WA or ID and select military bank customers. Select MyExpression^® credit cards, co-brand debit cards, Business credit cards and other accounts are not eligible for participation in the program. Additional restrictions apply. For complete program Terms and Conditions, visit http://www.bankofamerica.com/additup

3 Purchases with rewards or ATM cards are not eligible for matching. We will match 100% of your Keep the Change transfers for the first three months after you enroll. Thereafter, we will match 5% (10% for California Tiered Interest Checking customers). The maximum total match is $250 per year. Matching funds are paid annually after the anniversary of enrollment on accounts that remain open and enrolled. Bank of America will only match Keep the Change transfers on up to five checking accounts per depositor (including joint depositors) or up to five checking accounts per household, whichever is less. Eligible savings accounts include Regular Savings (Market Rate Savings in WA and ID), which requires a minimum opening balance of $25 ($1 in WA and ID) and pays a variable annual percentage yield that is 0.10% as of 08/31/09. Money Market Savings accounts are also eligible. Matching funds will be reported to the IRS on Form 1099. Fees may reduce earnings. Patent pending.