All annuity contract and rider guarantees, including optional benefits and any fixed subaccount crediting rates or annuity payout rates, are backed by the claims-paying ability of the issuing insurance company. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. They are not backed by Merrill Lynch or its affiliates, nor do Merrill Lynch or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
You should carefully consider a fund's investment objectives, risks, charges and expenses before investing. This and other important information is included in the fund's prospectus, which should be read carefully before investing. Prospectuses for mutual funds can be obtained by contacting your personal investment representative or through the investor's sign-in area of bankofamerica.com/investments.
1 You pay no transaction fees on certain mutual funds because the participating fund companies reimburse Merrill Lynch, Pierce, Fenner & Smith Incorporated for assuming certain costs associated with your brokerage account. However, a standard transaction fee may be charged whenever mutual fund shares held for 90 days or less are exchanged or redeemed. While no-load funds do not assess sales charges, fund shares are subject to management fees and certain other expenses. Redemption fees may also apply.
2 The Annual Percentage Yield (APY) is accurate as of . This is a rate that applies to Featured CD IRAs with a 12-month term opened online through Bankofamerica.com. This rate applies only to the initial IRA CD term. Automatically renews to another Featured CD IRA, or, if we no longer offer the same term, to a standard 12-month IRA. We may change the rate at any time without prior notice. The minimum balance required to open a Featured CD IRA is $2,000. There is a penalty for early withdrawals. Additional restrictions may apply. Fees may reduce earnings.
3 The Annual Percentage Yield (APY) is accurate as of . The interest rate and APY may change after the account is opened. Fees may reduce earnings. Federal regulations limit certain transactions from Money Market Savings accounts. No more than 6 preauthorized or telephone/PC withdrawals and transfers are allowed each monthly statement cycle. The minimum balance required to open a Money Market Savings IRA is $100 ($50 in California). Rates and terms of variable rate accounts are subject to change without notice. Information about Bank of America's checking, savings and CD accounts is available at www.bankofamerica.com. Fees, rates and terms differ for various types of deposit accounts. For additional information regarding fees and terms, please refer to the Deposit Agreement and Disclosures and Personal Schedule of Fees. You may obtain copies of these documents, as well as current rate information, by visiting any banking center, by calling 1.800.432.1000 or online through www.bankofamerica.com.
Banking products are provided by Bank of America, N.A. Member FDIC and a wholly owned subsidiary of Bank of America Corporation.