LINK 1


LINK 2


Note: This is an offline deal.


Terms:


This offer expires no later than 01/31/2010. 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 and Student Checking accounts you must open a new checking account and maintain a minimum average balance of $125 for 30 days and make a minimum of one check card transaction during that period. For business checking accounts you must open a new business checking account with a minimum opening balance of $250 and make a minimum of one check card transaction during the first 30 days. 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 personal or business checking account that is open now or that was closed within the last 90 days. You are not eligible if you are a Bank of America Associate.

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 Yield (APY) is 0.05% as of 12/31/2008 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 $100 ($1 in WA and ID). The APY on these savings accounts is 0.20% as of 12/31/2008. Business Interest checking is available to sole proprietors, nonprofits and government agencies. APY for interest bearing checking accounts is 0.05% as of 12/31/2008. 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.

Keep the Change® is available only on personal check cards, linked to your Bank of America checking account. Keep the Change is available to both new and existing customers.

Mobile Banking is not available with accounts located in Idaho or Washington. Customers with accounts in Idaho or Washington who use Apple iPhone or iPod Touch devices to access Online Banking through bankofamerica.com have limited capabilities. You will be charged access rates depending on your carrier. Check with your carrier for details on specific fees and charges.

New Student Checking Customers: CampusEdge® Checking is free of a monthly maintenance fee/service charge for five years. CampusEdge® Checking is MyAccess®-CampusEdge® Checking in Idaho and Washington. Students age 16 or older are eligible for this account. Student status will be validated upon account opening. After the first five years, CampusEdge® Checking accounts will be automatically converted to MyAccess® Checking. Fees for overdraft and other account-related services still apply. Programs, fees, terms and conditions are subject to change.

Credit Information: Credit subject to approval. Normal credit standards apply. For information on the rates, fees, other costs and benefits of these credit cards, visit www.bankofamerica.com. Student credit cards and business credit cards are issued by FIA Card Services, N.A.

Student identity theft protection with daily credit monitoring will continue as a free service for four years from your enrollment, and you will be notified prior to its expiration. You may cancel your membership at any time by calling 800.695.6758 from 8 a.m. to 11 p.m. Monday through Friday, and Saturday 9 a.m. to 6 p.m. Eastern Standard Time. This service will be automatically cancelled if you close your credit card account.