18-Month Term CD

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¹ The Annual Percentage Yield (APY) is accurate as of 8/28/2008. This promotional rate applies to new 18-month Featured CD IRAs with an 18-month term opened online through bankofamerica.com. This rate applies to the initial IRA CD term only. Automatically renews to another 18-month Featured CD IRA, or, if we no longer offer it with an 18-month term, to a standard 18-month CD IRA. We may change the promotional rate at any time without prior notice. The minimum balance required to open a 18-month CD IRA is $1,000. There is a penalty for early withdrawals. Additional restrictions may apply. Fees may reduce earnings.

² 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.

³ You may contribute simultaneously to a Traditional IRA and a Roth IRA (subject to eligibility) as long as the total contributed to all IRAs (Traditional and Roth) equals no more than $4,000 for tax year 2007 and $5,000 for tax year 2008 (if you are age 50 or older, $5,000 for tax year 2007 and $6,000 for tax year 2008).