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Note: This is an offline deal.

Terms:

This offer expires no later than 12/31/2010. Bank of America may terminate the offer before that date. This offer cannot be combined with any other new customer offer.

Existing Customer (Referrer): We pay the incentive to an existing Customer (referrer) by check after we verify that the new customer they referred opened a qualifying new checking account and also met the other terms of this offer. We generally issue all checks within 90 days of a qualifying account opening. We may report to the IRS the value of any incentive or other premium and any applicable taxes are the responsibility of the recipient.

Bank of America reserves the right to determine in its sole discretion the eligibility of new customers (referees) and existing customers (referrers) for this offer. We reserve the right to disqualify referrals in circumstances where we reasonably believe they were not sent to us in good faith.

New Customer (Referee): To Qualify for the Incentive: You must present this referral form at the time of the account opening and satisfy the terms of the applicable referral program. For Personal Checking accounts you must open a new checking account with a minimum opening balance of $125 and make a minimum of one debit card purchase during the first 30 days from account opening. For Business checking accounts you must open a new checking account with a minimum opening balance of $250 and make a minimum of one debit card purchase in the first 30 days from account opening. All accounts are subject to our normal approval process.

Eligibility: You must be a new customer. You are not eligible if you are or were an owner or signer on a Bank of America Consumer, Student, or Small Business checking account that is open now or that was closed within the last 6 months (within the last 90 days for Georgia customers). You are not eligible if you are a Bank of America Associate. CampusEdge® Checking and MyAccess-CampusEdge™ are not eligible.

Incentive: We generally pay the new customer’s incentive amount by crediting his/her new Bank of America checking account within 90 days of account opening. Otherwise, we may pay the incentive by check. We may report to the IRS the value of any incentive or other premium and any applicable taxes are the responsibility of the recipient. Extra incentives for opening additional accounts at the same time the new checking account is opened are for the New Customer only.

Terms of the Account: New personal and business checking accounts require a minimum opening deposit of $25. For interest-bearing personal checking accounts, the Annual Percentage Yields (APYs) are as follows: less than $10,000, 0.05%; $10,000-$99,999, 0.10%; $100,000 and over, 0.25% as of 07/01/2010 for any account balance. Savings accounts eligible include Regular Savings (or Market Rate Savings in WA and ID), which requires a minimum opening balance of $25 ($1 in WA and ID). The APY on these savings accounts is 0.05% as of 08/27/2010. Business Interest checking is available to sole proprietors, nonprofits and government agencies. APY for interest bearing checking accounts is 0.01% as of 07/01/2010. These rates may change at any time after this date or after the account is opened. If the account earns interest, fees could reduce earnings on the account. Please consult a banking center associate, visit www.bankofamerica.com, or see our Personal Schedule of Fees or Business Schedule of Fees for more information.

Some accounts and services, and the fees that apply to them, vary from state to state. Please review the information for your state in the Personal Schedule of Fees (at www.bankofamerica.com/feesataglance or at your local Banking Center) and in the Online Banking Service Agreement at www.bankofamerica.com/serviceagreement.