Welcome to your new, enhanced banking statement Easy ...

Your new Bank of America? statement... easy to read, navigate and follow.

Welcome to your new, enhanced banking statement

Your Bank of America banking statement has been redesigned to help you find the information you need more easily. Please refer to the descriptions inside for details on key sections and specific features. If you have questions, please call 1.800.MERRILL (1.800.637.7455). Thank you for being a valued client.

Easy access to your account information anytime

Now that your banking statement has been enhanced, we also want to remind you that you have many other convenient ways to access your account information.

? Online Banking. You can access your banking account information 24/7 through Bank of America Online Banking. It's also a great resource to answer questions you may have about your banking accounts or to learn more about Bank of America solutions and services.

? Paperless Statements. If you would prefer to receive paperless statements, you can enroll by logging into your account online.

? M obile Banking. There's no easier way to bank on the go. Just download the Bank of America Mobile App1 and enjoy access to your banking account information, receive alerts2 and even deposit checks right from your mobile device or tablet.3

? T ext Banking. Get balance and transaction information within seconds by text.4

How to read your statement

1

See sample statement below. Product name may vary slightly on new design.

P.O. Box 53150 PP.hOo.eBnoixx, 5A3Z158005072-3150 Phoenix, AZ 850057027-23-1351050

P.O. Box 53150 Phoenix, AZ 805072-3150

99999 999 SCM999 I 9 9

JOHN JBA.MCELSIENMTORISSON

NAME LINE 2

123 ANY STREET ADDRESS LINE 2 ANYTOWN MA 02492 - 406099999 999 SCM999 I 9 9

1

JOHN JAMES MORISSON

NAME LINE 2

123 ANY STREET

ADDRESS LINE 2

ANYTOWN MA 02492 - 4060

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Customer service: 1.800.888.8888 TDD/TTY users only: 1.800.288.4408 ECnlieEnstpsae?rovli:c1e.s80in0fo.6rm88a.t6io0n86

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PT.DOD. /BToTxY2u5s1e1rs8 only: 1.800.288.4408 TEanmEpsapaF?Lo3l:316.2820-05.161888.6086 Client services information 1.800.MERRILL (1.800.637.7455) PT.DOD. /BToTxY2u5s1e1rs8 only: 1.800.288.4408 TEanmEpsap,aF?Lol3: 316.82020-5.618188.6086



P.O. Box 25118 Tampa, FL 33622-5118

2

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abo. Eventur accusdaecte simod quo quo magniatet facesci pitatis. This is a message zone - For presentation purposes only. This is a message zone - For presentation purposes only. InvesLILftgumoongrreiaeesn.mmt mIpgriioonppdlissosuuurcimmmtosno:aalrouuerttsiouutninnattreeqqtsuuutooriarooeeppstttutaarqqqrueuuiasaamteerrq,nnuiaapiattseemummn, tieeipuxxssppueesnrrituutiiummasdccsoooiltnnoiarnnedoomonnlopccrouuerllmellooprrepeeroccittraooespttaeeebrmmioa.sfuga. Eabveon. tEuvreanctAcuruer sNadocatcFeuDcsItCdeaInsesiucmrteeoddsiqmuoodqquuoomqaugonmiaategtnifaatceetsAfcareicpNeiosttacBtiiaspn.iktaGtuiasr.anteed

May Lose Value

See page 10 for disclosure information.

IMInnvveeerrssilttlmmLyeennnctthppWrrooeddauutcchttssM:: anagement makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer

and member SPICA,raenNdoottFhDeIrCsIunbssuirdeidaries of Bank of America CorporatiAorne. Not Bank Guaranteed

May Lose Value

Banking productsAarreeNporot vFiDdIeCdInbsyuBreadnk of America, N.A., and affiliated bAraenkNso,tMBaenmkbGeursarFaDntICeeadnd wholly owned subsidiaries of BanMkaoyf LAomseerVicaaluCeorporation.

See page 11 for disclosure information. See page 10 for disclosure information. B 05 E A E PA 5 0091852 Merrill Lynch Weath Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer and member SPIC, and other subsidiaries of Bank of America Corporation.

Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

How to read your statement

The information you need in a clear, organized format.

1

Client services information. Find important contact information in this area.

2 Important messages. Check here

for important notifications, which are highlighted to make them easier to locate.

3 Account summary. A breakdown of

information concerning your current statement is located here, including your beginning balance, deposits, withdrawals and checks.

4 Statement messages. You'll see relevant

messages, flagged by topic using these new icons, to help you better understand your account.

5

Special offers. Look for special solution or benefit offers that may be of interest

to you.

2

Withdrawals and other subtractions - continued

Date

Description

Amount

See

s0a7/m20/p1l2e

07/20/12

stat0e7m/20eEnxxotn b29e20l3oSwale.mP#r00o0d86u03c0t6 name 07/20 Bank of America ATM / US Gas Remote Salem

may vary

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07/29/12

07/29 Bank of America ATM / US Gas Remote Salem #0000004022 YYoouurr cchheecckkiinngg aaccccoo- 5uu0nn.2tt3

Statement date 09/20/2011

3 of 4

The information you need in a clear, AccountNumber999999999 Property address 12345 Main Street

6

J0O7H/N2J9A/M1E2S MORISSON07/|29AEcxcoxounnt 2#90200030 S99a9le9m99#909008| 60J3ul0y61,Pa2y0me1n2t prtooceJssuinlgy 30, 2012

Wealth Management BaPAnGkE-i5n75gOF.01020

information

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be received by Bank of America, N.A. when or at the locations designated in the `You can on the front of your remittance coupon or at be designated by Bank of America, N.A. If

PAGE 5- O4F.8124 Any full periodic payment that is received and accepted will be applied to the longest

PPAAGGEE 55 OOFF 1122 outstanding periodic payment due, unless otherwise expressly prohibited or limited by

- 50.23 your loan documents, the owner/insurer/guarantor of your loan or applicable law.

Payments will be applied as described in your loan documents, including any

organized format. PAGE 2 OF 10 Partial payment policy - A partial payment is a payment less than your full periodic payment due. Depending on the requirements of your loan documents, the owner/insurer/guarantor of your loan or applicable law, and, depending on the status of your account, partial payments may be

WTSoetiatrlhvAdiTcMreaawfnedaedlssebaitncdardoosttuhhbeterarrcstsiuonbstractions -- continued

your loan is not current, based on certain conditions, such as bankruptcy

modifications to the original documents. If your loan is current, please specify how you

Client services informatio- n$3,444.46 or foreclosure, you may be unable to make a payment using one or more

want any additional amounts you pay to be applied to your account. If you do not

of the means or locations listed in the `You can make your payment'

specify, subject to your loan documents, additional amounts will first be applied to

promptly returned to you, applied to your account or held in a noninterest bearing account for a period of time until you send us additional funds sufficient to equal a full periodic payment due. If your loan is

section. For mailed payments, if you do not mail your remittance coupon

fees or other amounts owed on your account and the remainder applied as a principal

current and your loan documents permit us to apply partial payments to

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be

your account, partial payments will be applied as you specified, and, if not specified, subject to your loan documents, they will first be applied to fees or other amounts owed on your account and the remainder applied as a principal reduction. If we are unable to apply partial payments to your loan as you specify, we may return the payment to you. If your loan is not current and your loan documents permit us to hold a partial payment in a non-interest bearing account, we will do so until you send us additional funds sufficient to equal a full periodic payment due. If you don't send us additional funds, subject to your loan documents, we may apply some or all of the partial payment to amounts owed on your account and return the balance of the payment to you. If your loan is in default and declared due and payable or your loan is in foreclosure, we may be unable to accept or apply partial payments and will return them to you.

reflected in your credit report.

Other subtractions T0o7t/a1lyo0Au/Tr1Ma2cacnodundtewboituATlcd&abTrdeMsgooubvbiletitrrynaecdtiobynsthe

terms

of

those

documents

as

- $3,444.46 we may reference them from time to time. Th- e2s3e.68 Bank of America, N.A. is required by law to inform you that this communication is from a debt collector.

AFFINITY LOGO (2.20" x 0.6")

OAthcecr souubtnrat documents are part of the contract for your deposit account and governs all transactions relating to your account, including UNPAID INTEREST AMOUNT: 1) Your loan accrues interest every day. Any late payment (a payment received after the payment due date) results in an addition of interest to your account. The amount of the additional interest is

ctions D0a7t/e 20/12 DKeesecpripthtioenChange transfer to Account 6116 for 07/20/12 A-m0o.u1n6t referred to as `Unpaid Interest'. 2) Ensuring that your payment is received on or before the payment due date will keep this amount from growing. 3) The `Unpaid Interest' total does not affect the amount of your monthly payment

OYthoeur srubbtraacntikonisng statement summar y all deposits and withdrawals. Copies of both the deposit agreement and fee schedule which contain the current version of the This is a mes age zone for informational purposes only - Lorem ipsum aut unt quo opta quaernatem experum con non due, however it will impact your loan at the time you pay-off your loan by increasing the total amount due.

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full, before the expiration the Prepayment Penalty.

date

of

the

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you

will

be

required

to

pay

the

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which

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07/10c/u1l2lorecto tem f0u7ga/.10 McDonalds Windham F26674 24427330194720021894817

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0Se7e/p1a0ge/1102for disclosure i0nf7o/rm1a0tioHne. ss 29203 Salem #000860306

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