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Your new Bank of America statement...

easy to read, navigate and follow.

Welcome to your new, enhanced banking statement


Your Bank of America banking statement has been redesigned to help you find the information you need
more easily. Please refer to the descriptions inside for details on key sections and specific features. If you
have questions, please call 1.800.MERRILL (1.800.637.7455). Thank you for being a valued client.

Easy access to your account information anytime


Now that your banking statement has been enhanced, we also want to remind you that you have many other
convenient ways to access your account information.

• Online Banking. You can access your banking • Mobile Banking. There’s no easier way to bank on
account information 24/7 through Bank of America the go. Just download the Bank of America Mobile
Online Banking. It’s also a great resource to answer App1 and enjoy access to your banking account
questions you may have about your banking information, receive alerts2 and even deposit
accounts or to learn more about Bank of America checks right from your mobile device or tablet.3
solutions and services.
• Text Banking. Get balance and transaction
• Paperless Statements. If you would prefer to information within seconds by text.4
receive paperless statements, you can enroll by
logging into your account online.

How to read your statement 1


See sample statement below. Product name may vary slightly on new design.
The information you need in a clear,
Customer service information
Wealth Management Banking
organized format.
Customer service: 1.800.888.8888
P.O. Box 53150
P.O. Box 53150
Phoenix, AZ 805072-3150 TDD/TTY users only: 1.800.288.4408
Phoenix, AZ 85072-3150
805072-3150
En Español: 1.800.688.6086
Client services information
Wealth Management Banking
bankofamerica.com
1.800.MERRILL (1.800.637.7455)
Client services information. Find
P.O. Box 53150
Phoenix, AZ 805072-3150
JAMES
JOHN B. MORISSON
CLIENT
99999 999 SCM999 I 9 9
TDD/TTY
En
Tampa
users only: 1.800.288.4408
P.O. Box 25118
Español: 1.800.688.6086
FL 33622-5118
Client services information
1 important contact information in this area.
NAME LINE 2 bankofamerica.com

1
123 ANY STREET 1.800.MERRILL (1.800.637.7455)
ADDRESS LINE 2 P.O. Box 25118
TDD/TTY users only: 1.800.288.4408
ANYTOWN MA 02492 - 4060 Tampa, FL 33622-5118
Important messages. Check here
2
99999 999 SCM999 I99 En Español: 1.800.688.6086
JOHN JAMES MORISSON
NAME LINE 2 bankofamerica.com
123 ANY STREET
ADDRESS LINE 2 P.O. Box 25118
for important notifications, which are
ANYTOWN MA 02492 - 4060
Your Bank of America banking statement summary
Tampa, FL 33622-5118
highlighted to make them easier to locate.
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Your banking
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abo. Eventur accusdaecte simod quo quo magniatet facesci pitatis.
See page 10 for disclosure information.

Investment
Merrill Lynchproducts:
Weath Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer
Investment products:
and member SPIC, and other subsidiaries of Bank of America Corporation.
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
Banking products Are
areNot
provided by Bank of America, N.A., and affiliated banks,
FDIC Insured Are Not Members FDIC and wholly owned subsidiaries of Bank
Bank Guaranteed of Lose
May America Corporation.
Value
See page 11 for disclosure information.
See page 10 for disclosure information.
B 05 E A E PA 5 0091852
Merrill Lynch Weath Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer
and member SPIC, and other subsidiaries of Bank of America Corporation.
Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

How to read your statement 2


Withdrawals and other subtractions - continued
Date Description Amount

See sample statement below. Product name may vary Your


07/20/12
slightly on new design.
07/20 Exxon 29203 Salem #000860306
checking account
- 46.32
07/20/12 07/20 Bank of America ATM / US Gas Remote Salem #0000004022 - 80.00

The information you need in a clear,


Statement date 09/20/2011 3 of 4

Your
Your checking
checking account
Account Number 999999999
07/29/12 07/29 Bank of America ATM / US Gas Remote Salem #0000004022
account
- 50.23 Property address
12345 Main Street

07/29/12
JOHN 07/29
JAMES MORISSON Exxon 29203
| Account # 0000 Salem #000860306
9999 9999 | July 1,Payment
2012processing
to July 30, 2012 Wealth Management Banking
PAGE- 5
75.0010
OF 12

organized format.
information

07/29/12
JOHN JAMES
JOHN CLIENT 07/29
B.MORISSON Best#Buy
| | Account
Account 0000Plaistow
# 0000 9999
999 #000859825
99999999 | July
| May 1, 2012
1, 2013 to July
to May 31, 30,
2013
Payments 2012
are considered to be received by Bank of America, N.A. when PAGE 5- OF
4.84
12
Any full periodic payment that is received and accepted will be applied to the longest PAGE 2 OF 10
Partial payment policy - A partial payment is a payment less than your
JOHN
JOHN JAMES
JAMES
P.O. Box MORISSON || Account
53150MORISSON Account ## 0000
0000 9999 9999 || July
9999 9999 July 1,
1, 2012
2012 to
to July
July 30,
30,
received 2012
2012
through the means or at the locations designated in the ‘You can PAGE
PAGE 55 OF
OF 12
12
outstanding periodic payment due, unless otherwise expressly prohibited or limited by full periodic payment due. Depending on the requirements of your loan

07/29/12
Phoenix, AZ 805072-3150 07/29 Exxon 29203 Salem #000860338 make your payment’ section on the front of your remittance coupon or at
such other locations as may be designated by Bank of America, N.A. If
- 50.23
your loan documents, the owner/insurer/guarantor of your loan or applicable law.
Payments will be applied as described in your loan documents, including any
documents, the owner/insurer/guarantor of your loan or applicable law,
and, depending on the status of your account, partial payments may be

Withdrawals
Total ATM and
Service fees and
debit cardother
other subtractions
subtractions -- continued
subtractions - $3,444.46
Client services information
your loan is not current, based on certain conditions, such as bankruptcy
or foreclosure, you may be unable to make a payment using one or more
of the means or locations listed in the ‘You can make your payment’
modifications to the original documents. If your loan is current, please specify how you
want any additional amounts you pay to be applied to your account. If you do not
specify, subject to your loan documents, additional amounts will first be applied to
promptly returned to you, applied to your account or held in a non-
interest bearing account for a period of time until you send us additional
funds sufficient to equal a full periodic payment due. If your loan is

Withdrawals and other subtractions - continued


section. For mailed payments, if you do not mail your remittance coupon fees or other amounts owed on your account and the remainder applied as a principal current and your loan documents permit us to apply partial payments to

6
1.800.MERRILL (1.800.637.7455)
Withdrawals and other subtractions
with your payment or do not mail your payment to the designated reduction. If we are unable to apply additional amounts to your account as you your account, partial payments will be applied as you specified, and, if
Date Description Amount
Other subtractions
$ Information
This is a message about
zone your account
for informational purposes- continued
only - Lorem ipsum aut unt quo opta quaernatem
payment location, it may cause delays in the processing of your payment. specify, we may return the funds to you. Postdated checks will be processed on the not specified, subject to your loan documents, they will first be applied
Other subtractions experum
NO CHANGES con LAST
SINCE non MONTH Payments mailed with the remittance coupon to the designated location date received unless an authorized representative agrees to honor the date written on to fees or other amounts owed on your account and the remainder

07/20/12
Date 07/20 Exxon 29203 Salem #000860306
Description TDD/TTY users only: 1.800.288.4408
-Amount
46.32 which are received by 5:00 p.m. in the time zone of the designated the check as a condition of a repayment plan. applied as a principal reduction. If we are unable to apply partial

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Description
payment location will be credited to your account effective on that
Amount
payments to your loan as you specify, we may return the payment to
Date
Date Description
Description99999 999 SCM999 I 9 9 En Español: 1.800.688.6086
business day, unless otherwise specified on the remittance coupon
We may charge you a Amount
Amount you. If your loan is not current and your loan documents permit us to

07/20/12
07/20/12 07/20
07/20 Exxon
Bank 29203
eniet of us Salem
America #000860306
ATMexpe.
/ US Gas Remote
number Salem listed #0000004022 --a46.32
80.00
fee (of up to $40.00) for any payment returned or rejected by
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call at the telephone on the front of this statement to tell us about
provided. All payments mailed to Bank of America, N.A. must be in the
change
hold a partial payment in a non-interest bearing account, we will do so

Information about your account. Refer to


your financial institution, subject to the requirements of your loan documents and
JOHN
07/20/12 JAMES MORISSON
07/20 Exxon 29203 Salem
Salemto#000860306
form of a check or money order (drawn in United States dollars and
-- 46.32
until you send us additional funds sufficient to equal a full periodic

6
07/20/12
07/02/12 07/20
Keep the Exxon 29203
Change transfer #000860306 applicable law. In addition,
46.32
- 0.67
there may be fees for certain services related to the

ATM //Account Gas6116 for Salem


07/02/12 payable by a United States financial institution or the United States Postal payment due. If you don’t send us additional funds, subject to your loan

07/20/12
of address.
07/29/12
NAME LINE 2 07/20
07/29 Bank
Bank of
of America
America ATM US
US Gas Remote
Remote Salem #0000004022
#0000004022 bankofamerica.com servicing - - 80.00
50.23
of your loan, which
Service) made payable to Bank of America, N.A. Certified or other forms such fees are either listed on our website or will be documents, we may apply some or all of the partial payment to amounts

ATM / US Gas Remote Salem #0000004022 Your checking account


quoted upon request. All fees are subject to change without prior notice.
07/20/12
07/20/12
Date123 ANY STREET 07/20
07/20
Transaction Bank of
Bank ofNew
description America
America ATM / US Gas Remote Salem #0000004022
of payment may be required if previously advised.
- 80.00
-300.00
80.00
Amount
owed on your account and return the balance of the payment to you. If

07/06/12 AAA Northern England - your loan is in default and declared due and payable or your loan is in

07/29/12
07/29/12 07/29
07/29 Bank Exxonof29203
America ATM #000860306
Salem / US Gas Remote Salem #0000004022 -- 50.23
75.00
this section for details on how to change
foreclosure, we may be unable to accept or apply partial payments and

ADDRESS
07/29/12
Check copiesLINE 2
–07/29
Youfeecan view P.O. Box 25118 ---50.23
07/29/12 Bank ofand
of printATM
America check copies
// US Gas through
Remote Online#0000004022
Salem Banking for up to 12 months. You can also request 50.23 a for all full months, including
For all full month payment periods, interest is calculated on a will return them to you.

07/18/12
07/06/12 07/29
Overdraft Bank America ATM US Gas6116
Remote for Salem #0000004022 35.00
Keep the Change transfer to#000860306
Account 07/06/12
There are both no-cost and low cost optionsAccount number: 0000 is calculated -as
February, 9999 0.54
-9999
monthly basis. Accordingly, interest
07/29/12
07/29/12
JOHN ANYTOWN
JAMES MAmore 07/29
07/29
02492 Exxon
Best
| - 4060 29203
Buy Salem
Plaistow #000859825 | July Tampa, FLservice
33622-5118
available to you to make
-of 75.00
4.84
30/360 of annual interest, irrespective of

copy
07/29/12
07/29/12 or MORISSON
get 07/29
07/29
Account
information
Exxon #
Exxon 29203
0000
about
29203
9999
aSalem
check
Salem 9999or other
#000860306
#000860306
1, 2012
item to July
by calling 30, Client
the 2012
your payment.
Services
To learn more details please
telephone
call customer at
numberisthecalculated
on PAGEfront
the
actual number 4
-- 75.00
daysOF
75.00
12month. For partial months, interest
of
in the

07/30/12
07/07/12 Monthly fee
AT&T Mobility - 323.88 0.00
your address, make electronic transfers,
<BR.CSPHONE>. daily on the basis of a 365 day year.

07/29/12
07/29/12 PAGE 3 OF
- -50.23
4.84 10
this statement. 07/29
07/29/12
07/29/12
07/29 Best
07/29
07/29
ExxonBuy
Best
Best Buy
Plaistow
29203
Buy Plaistow
Salem#000859825
#000860338
Plaistow #000859825
#000859825 -- 4.84
4.84
Total ATM
07/10/12
07/29/12
Total serviceandfees
debitAT&T Mobility
cardExxon
07/29 subtractions
29203 Salem #000860338 Other important - $3,444.46-- -$35.00
233.88
50.23
07/29/12 - 50.23
report problems and more.

07/29/12
Deposit agreement 07/29
07/29 Exxon
Exxon
– the
When 29203
29203 Salem
you opened Salem #000860338
#000860338
your account, you received a deposit agreement and fee schedule and agreed- 50.23 that
07/10/12 Keep Change transfer to Account 6116 for 07/10/12 - 0.69
Your Ducks Unlimited - Regular Checking
information
Note your
Total ATMEnding Balance
and debit card already reflects the subtraction of Service Fees.
subtractions - $3,444.46
Withdrawals and other
governedsubtractions
Credit Reporting Notice: We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.

Total
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07/20/12subtractions Keep the Change transfer to Account 6116 for 07/20/12 referred - 0.16
UNPAID AMOUNT: 1) Your loan late payment (a payment received after the payment due date) results in an addition of interest to your account.  The amount of the additional interest is
Date Description Amount
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to as ‘Unpaid Interest’. 2) Ensuring that your payment is received on or before the payment
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version
due date will keep this amount from growing. 3) The ‘Unpaid Interest’ total does not affect the amount of your monthly payment
of the
Service fees. We’ve provided a new and
due, however will impact your loan at the time you pay-off your loan by increasing the total amount due. 

Total
07/02/12other
Your subtractions
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due and payable and cannot be waived. Please review your loan agreement for the expiration date, amount and terms of the Prepayment Penalty.

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Electronic transfers: In This isyoua message zone for informational
thecase of errors questions your electronic bearing transfers –beIfapplied. Forthink
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07/06/12
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fees $35.00 $35.00 statement. transactions, direct deposits or withdrawals,


the unapplied funds to amounts owed on your account and return the balance of the unapplied funds to you. This balance represents the amount of your funds being held in the non-interest bearing account, as of the date of this

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this statement
07/07/12
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07/10/12
07/10/12
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07/05/12 and99996* - 100.00 to your07/08/12 99993 - 84.25
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07/10/12 07/10 Hess 29203 Salem #000860306 - 40.78
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24427330194720021894816 - 4.84
PAGE 5 OF 12
and member SPIC, and other subsidiaries of Bank of America Corporation.
07/10/12 07/10
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07/15/12 07/15 Hess 29203 Salem #000860306 - 40.93
Bank of America, N.A. Member FDIC and Equal Housing Lender
07/19/12 07/19 Best Buy Plaistow #000859825 - 2,193.44
This is a message zone - For presentation purposes only. PAGE 2 OF 12
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How to read your statement voluptio. Nam et faccullorero blaut resequibus, ullat apis eniet la asimperem expe. 3
To access Mobile Banking, you must first enroll through the Mobile Banking App or at bankofamerica.com. Once enrolled, the
1

same Online ID and passcode can be used to access both Online and Mobile Banking. Transfers and Bill Pay must be set up in
Online Banking using a desktop or laptop browser. View the Online Banking Service Agreement at www.bankofamerica.com/
serviceagreement for more information about both Mobile and Online Banking.
 Alerts received as text messages on your mobile access device may incur a charge from your mobile access service provider.
2

Mobile App alerts are not available on all mobile devices.


You must first enroll in Online Banking or Mobile Banking and download the Mobile App. Deposits are subject to verification
3

and not available for immediate withdrawal. Restrictions apply. Click the “More” button in the App, select “Help” and then
“Mobile Check Deposit” for details, including information on funds availability, deposit limits and proper disposal of checks, and
to see the full terms and conditions. Wireless carrier fees may apply. Requires at least a 2-megapixel camera. This feature is not
available on the Mobile Website and is not available on all mobile devices.
4
 Bank of America does not charge for Text Banking. However, your mobile service provider may charge for sending and receiving
text messages on your mobile phone. Check with your service provider for details on specific fees and charges that may apply.
Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith
Incorporated, a registered broker-dealer and member SIPC, and other subsidiaries of Bank of America Corporation (“BAC”).
Banking products are provided by Bank of America, N.A., and affiliated banks, members FDIC and wholly owned subsidiaries of BAC.
Investment products:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

©2013 Bank of America Corporation AREE5AD5 INS-10-12-0547.C

How to read your statement 4