Welcome to Bank of America.

wealthy,a group of farmers formed the Eastern Shore branch of The Farmers Bank of Maryland.These farmers changed the fledgling banking industry and were the first to pay interest on deposits. > In 1847,the Boatmen 9s Bank was established in St.Louis to encourage cthe steamboat men dand other laborers to save their money.<br><br> > In the 1890s,we were one of the first banks that proudly began managing the retirement funds of African-American teachers in Washington,DC. > And in 1904,the Bank of Italy in California (later known as BankAmerica) was founded,and we extended credit to hardworking immigrants when most banks refused to have them as customers. As Bank of America has grown,we have continued to support our customers and local neighborhoods.And our products and services h ave often been the first of their kind,from creating the first nationally accepted credit card,BankAmericard (now known as Visa®),to pion eering ctalking d ATMs that make us more accessible to visually impaired customers and to introducing the personal Bank of America Visa® Mini cre dit card.<br><br> While times have changed,our vision and dedication to our customers remain strong,now and in the future. Introducing You to Bank of America 2 Mini Card,U.S.Pat.6,471,127 U.S.Pat.Des.467,247 All your banking needs under one roof. At Bank of America,we understand that not everyone has the same financial needs.Which is why we pride ourselves on providing you with options that can help you reach your goals.<br><br> > Convenience: With nearly 5,700 branch locations nationwide,there 9s bound to be a branch close to your home,school or business.Giving you simple and secure access to your funds coast-to-coast. > Access: Keep your funds at your fingertips with the nation 9s largest bank-owned ATM network. > Control: Manage your accounts with telephone banking and Bank of America HomeLink SM Online Banking with free bill payment.Or if you have a business,Bank of America OfficeLink SM Online Banking with free bill payment.They 9re standard with your checking account.<br><br> > Security: Rest assured,when you use your personal or business Bank of America Check Card® or your personal Visa® credit card,you 9re covered.Our Total Security Protection" package means you 9re not liable for any unauthorized card use. 1 > Peace of Mind: Bank with confidence.Your accounts are FDIC-insured for up to $100,000 per depositor. > Resources: Let our knowledgeable,trained associates and small business experts help you reach your financial goals with products and services that meet your needs.<br><br> 3 1 Claims may be filed against posted and settled transactions subject to dollar limits and verification and must be reported within 60 days of the statement on which they first appear. At Bank of America,we want to make sure that you get only the highest standard of banking available. Every time you log on to our website,visit your neighborhood branch or use your Check Card,you should feel confident that you are getting only the best financial products and services available.<br><br> Better banking means always trying to be better than we were the day before. In order to bring you the best banking experience possible,we are constantly working to bring you better services and features.This is the essence of our corporate identity and the root of what it means to have Higher Standards.That is why we work closely with you and your community to help meet your financial needs. What Higher Standards mean to you.<br><br> Higher Standards mean that,as a Bank of America customer,your banking experience will remain as easy and convenient as it is today.Right now,you 9ll see few changes in the way you bank.However,you may notice a new and wider selection of banking options.From account choices to the features that those accounts offer 4we 9re dedicated to keeping you aware of any changes that will make how you bank better. Higher Standards 4 At Bank of America,we know how important convenience is to you.That 9s why you can continue to use your accounts withoutinterruption.And get ready to take advantage of some exciting new benefits and services in the future. > Branches: One of the first things you 9ll notice is a different look at your local branch.<br><br> Continue to enjoy the same service from your neighborhood branch,and now the signs and ATMs will say Bank of America. > Statements: You 9ll continue to receive your statements as usual,including a description of your account activity.Your statements and notifications may begin to feature both the Fleet and Bank of America logos. > Account Numbers and PINs: Don 9t worry about having to memorize any new numbers.<br><br> Account numbers,card numbers and PINs for your accounts remain the same. > Checking and Savings Accounts: Checks,deposit slips and savings withdrawal slips are still valid,so keep using them as you always have.When you reorder new checks,deposit slips or savings withdrawal slips,they will have the Bank of America logo.Remember,your account number remains the same. > Credit Cards: Please continue to use your existing credit card until you receive a new Bank of America credit card in the mail.Your account number remains the same.However,please note the extended expiration date on your new card.<br><br> Banking Services 5 > Home Equity and Consumer Loans: Your home equity,mortgage and other loans will continue without interruption.You 9ll keep your current account numbers and you can still access your accounts in the same way.And your statements may feature both the Fleet and Bank of America logos. > Business Loans and Lines of Credit: Both your account numbers and how you access your accounts remain the same.You will,however,notice that your statements will have both the Fleet and Bank of America logos. > Quick & Reilly: If you haven 9t already,you 9ll be receiving information regarding your Quick & Reilly accounts in a separate mailing.<br><br> > Premier Banking: An innovative service that rewards balance-qualified customers with a higher level of service and support.Customers are assigned an experienced and dedicated client manager to help with all of their banking needs. > Telephone Banking: Continue to call us for all your telephone banking needs.Check balances, make transfers and get recent account activity at home or on the road. > Customer Service: Let us answer your questions.Come into your local branch or visit us online at www.fleet.com/bankofamerica .You can also call us for specific account and general information.Please see page 14 for a list of our customer service phone numbers.<br><br> 6 Bank of America has been helping small businesses turn dreams into reality for over 100 years.And we understand that you have a specific idea of where you want your business to go.Whether you envision growth or maintaining the same size,our trained business experts can help make sure you continue to get the servicesand accounts you need to achieve your goals. We 9re number one where you need us most. As the nation 9s #1 Small Business Administration lender, 2 we have experience working with small businesses of every size.We can help you get the funding you need to meet your vision with a variety of small business loan and line of credit options,including Small Business Administration loans.Whether you want to renovate your current store or office,purchase a new location or update your equipment,our trained small business experts will work with you to find a payment schedule that works for you.<br><br> The resources and the breadth of services you need to be number one. > Personal Assistance: When you start a small business relationship with us,you 9ll benefit from the advice of a team of small business experts.We 9ll work closely with you to make sure you have the right accounts and services for your business.And we can help you reach your long- and short-term goals with everything from payment services to cash management. Small Business Solutions 7 2 Based on number of SBA loans reported on SBA 7(a) loan approval volume by lender report for FY2003.Credit subject to approval.<br><br> > Online Banking: Enjoy a higher level of control over your business finances with immediate access to your accounts,day or night,at www.bankofamerica.com/officelink .View up-to-the-minute account balances,review account history,transfer funds and pay your bills online.You can also forecast your balances based on scheduled transactions,and set up customized balance alerts and bill payment reminders.All free with your checking account. > Priority Customer Service: When you 9re a small business owner,time is money.That 9s why our team of trained associates will work with you to make sure that any issues or concerns you have with your finances are answered quickly and decisively. > Workplace Banking: Attract and retain valuable employees with this special program that provides discounted banking services for your employees.<br><br> > Convenience and Control: Because owning your own small business doesn 9t mean 9-5,you 9ll enjoy 24/7 access to your accounts via the phone and online.Plus,our Business Check Card provides an easy alternative to writing checks.Track your purchases,verify account balances and pay your bills 4 when you have the time,day or night. > Business Information Resources: Get information on market trends,industry reports and access to all of our small business resources at www.bankofamerica.com/officelink 8 A New Look for Your Cards 9 Please continue to use your existing ATM Card,Check Card and credit card as you do now.Over the next few months,we 9re sending new cards to our personal and business customers in good standing.Your card numbers and PINs remain the same,and you can continue to use your cards virtually anywhere and for virtually anything. Make every purchase secure with Total Security Protection " .<br><br> Bank of America 9s free Total Security Protection package for Check Cards and personal Visa® credit cards lets you make purchases with total confidence,featuring: > Zero Liability: If your card is lost or stolen,Bank of America reimburses you for any unauthorized card transactions. 1 > Guaranteed Credit: Your account will be credited by the end of the next business day for unauthorized card transactions if your card is lost or stolen. 1 > Fraud Monitoring: Reviews how and when your card is being used and is designed to block potential fraud if abnormal patterns are detected.<br><br> > Privacy Policy for Consumers: Your customer information will not be disclosed to third-party marketers for purposes of marketing their own products and services. On the go,with the Bank of America Visa®Mini credit card. Get a free companion Mini Card along with your new personal Bank of America Visa® credit card.<br><br> And take it with you wherever life takes you.Simply use it at swipe card readers the same way you do your full-size card,wherever Visa® credit cards are accepted. Your funds 4when you need them,where you need them. As a Bank of America customer,you can enjoy access to the nation 9s largest bank-owned ATM network.<br><br> With over 16,000 ATMs from coast-to-coast,you 9ll enjoy quick,reliable and secure access to your funds with your ATM Card or Check Card virtually anywhere you go.Continue to get cash and make deposits,payments and transfers at thousands of ATMs in the Northeast. As a Bank of America customer,you also enjoy free access to your funds with your ATM Card or Check Card at 14,000 international locations at our Global ATM Alliance partners (Barclays,BNP Paribas,Deutsche Bank, Scotiabank and WestPac).In addition,you can use your ATM Card or Check Card at over 1,700 ATMs in Mexico at Santander Serfín. A few things you may notice at the ATM.<br><br> > You can continue to use your ATM Card or Check Card at both Fleet and Bank of America ATMs with no ATM fee for withdrawals. > Stamps will no longer be available at ATMs. > The Fleet Cash feature,with your preset withdrawal amount,will now become Fast Cash,giving you the option of several amounts.<br><br> > To find a convenient ATM near your home or work,use the ATM locator at www.bankofamerica.com/atmlocator 10 1 Claims may be filed against posted and settled transactions subject to dollar limit and verification and must be reported within 60 days of the statement on which they first appear. Fleet HomeLink SM Online Banking and Fleet OfficeLink® Online Banking are now called Bank of America HomeLink SM Online Banking and Bank of America OfficeLink SM Online Banking,respectively,and have a new look in the Bank of America style.There are no changes to these online banking and bill payment services at this time.Continue to log in with your same card number and PIN using the web address you normally do,or type in www.bankofamerica.com/homelink or www.bankofamerica.com/officelink for small business. If you have online banking in your bookmarks or favorites,you don 9t need to make any changes.And remember,online banking,includ ing unlimited bill payments,is free.<br><br> Enjoy everything online banking has to offer,including: > Up-to-the-minute balances on your accounts > Free online bill payment > Easy transfers between accounts > Access to recent and past account activity,including running daily balances > Images of your cleared checks Your Online Banking Experience 11 Bank of America understands the importance of building a strong relationship with you and your community.That 9s why we take an active role in helping to provide new programs,project services and other initiatives that help enrich our communities. We have recently put in place a 10-year,$1.5 billion goal for charitable giving.And through our Neighborhood Excellence Initiative,we 9re able to provide $200,000 in grant funding and leadership training over two years to two nonprofit organizations in each of Bank of America 9s top 25 markets.This initiative also celebrates five local heroes in each market with a $5,000 contribution to an eligible nonprofit of their choice.We also dedicate time and funding to bringing affordable education and housing to communities in need. Team Bank of America.<br><br> Making a difference. Our associates understand your neighborhood 4they live here too.That 9s why,each year 100,000 Bank of America associates and reti rees volunteer to be part of Team Bank of America.Through Team Bank of America,we work with over 3,000 nonprofit organizations,inclu ding Habitat for Humanity® and the United Way®.And in the wake of 9/11,our associates helped raise $1 million to buy three new fire trucks for the New York Fire Department.It 9s just one more way we give back to the neighborhoods and the communities where we live and work. $750 billion dedicated to helping your community and others like it.<br><br> In honor of the recent merger between Bank of America and Fleet,we 9re proud to announce a new community program that will conti nue the tradition of caring upheld by both institutions.Over the next ten years,Bank of America will dedicate $750 billion to commu nity development.This money will help provide affordable housing,small business and small farm loans,consumer loans and economic development throughout our communities. Neighborhood Commitment 12 Come visit your neighborhood branch and experience the same great service with a brand-new look.This timeline reflects approxim ately when you will see Bank of America signage and ATMs in your area. Here 9s What 9s Happening and When Additional changes you may notice: In August,credit card statements may feature both Fleet and Bank of America logos.Then in Se ptember,both Fleet and Bank of America logos will begin to appear on other statements,notices and our website.<br><br> August Upstate NY September Manhattan October Long Island Metro NY New Jersey Pennsylvania November Connecticut December Massachusetts Rhode Island New Hampshire Maine Florida Enjoy better banking coast-to-coast. From your next family vacation to your next business trip, enjoy convenient access to your funds with thousands of branches and ATMs nationwide. Shaded area represents Bank of America 9s branches and ATMs in 30 states and in the District of Columbia.<br><br> 13 We 9re Here to Help If you have additional questions about your accounts or the merger,you can go online at www.fleet.com/bankofamerica , visit yourlocal branch or call us at one of the following customer service numbers: Consumer: Loans........................1.800.440.0015 Mortgage...................1.800.446.6339 Credit Card................1.800.492.2500 Quick & Reilly............1.800.793.8050 All other products......1.800.841.4000 Small Business: Credit Card................1.888.222.1012 Quick & Reilly............1.800.793.8050 All other products......1.800.353.3824 Outside of U.S.,please call: All products................315.724.4022 14

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