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¹ Banc of America Investment Services, Inc. and Bank of America, N.A. charge no annual IRA custodial or maintenance fees, however, fees and expenses are subject to change. Please note that other fees and expenses may apply, including early withdrawal penalties, trustee transfer fees, and standard brokerage fees. For Banc of America Investment Services, Inc.'s standard brokerage fees, please see the Self-Directed Miscellaneous Fees schedule or speak with your full service Financial Advisor. For Bank of America N.A.'s fees, see your Personal Schedule of Fees.

² The Annual Percentage Yield (APY) is accurate as of 8/28/2008. This promotional rate applies to new High Yield CD IRAs with a 7-month term opened online through bankofamerica.com. This rate applies to the initial IRA CD term only. Automatically renews to another High Yield CD IRA - 7-month term, or, if we no longer offer it with a 7-month term, to a standard 7-month CD IRA. We may change the promotional rate at any time without prior notice. The minimum balance required to open a High Yield CD IRA is $2,000. There is a penalty for early withdrawals. Additional restrictions may apply. Fees may reduce earnings.

³ Retirement accounts opened through Bank of America, N.A., including Roth and Traditional IRAs, are insured by the FDIC up to $250,000 per depositor. These accounts are insured separately from other deposits you may have with Bank of America, N.A.