offer banking.pdf

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Comprehensive benets solutions

for employers and employees



Engage the opportunity

Bank o America Merrill Lynch seamlessly delivers comprehensive

fnancial solutions to help organizations reduce costs, operate more

efciently, maximize capital and enhance human resources. As an

industry leader in benefts and retirement solutions, we provide your

organization access to fnancial tools and thought leadership to help

you plan and grow.

Choose Bank of America Merrill Lynch

Bank o America Merrill Lynch brings you not only a wealth o

capabilities, but the innovation and expertise to ensure that you

receive relevant and clear fnancial solutions and market intelligence.

We deliver our products and services through dedicated specialists

who understand your business, your markets and your needs. Work

with us and beneft rom a trusted fnancial relationship centered on

service excellence and enduring quality.

Bank o America Merrill Lynch can help organizations like yours

build benefts to better retain and attract the best employees whilereducing the internal costs o your human resources operations.

ment products oered by Investment Banking Afliates: Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed.



Engage the opportunity

Bank o America Merrill Lynch seamlessly delivers comprehensive

fnancial solutions to help organizations reduce costs, operate more

efciently, maximize capital and enhance human resources. As an

industry leader in benefts and retirement solutions, we provide your

organization access to fnancial tools and thought leadership to help

you plan and grow.

Choose Bank of America Merrill Lynch

Bank o America Merrill Lynch brings you not only a wealth o

capabilities, but the innovation and expertise to ensure that you

receive relevant and clear fnancial solutions and market intelligence.

We deliver our products and services through dedicated specialists

who understand your business, your markets and your needs. Work

with us and beneft rom a trusted fnancial relationship centered on

service excellence and enduring quality.

Bank o America Merrill Lynch can help organizations like yours

build benefts to better retain and attract the best employees whilereducing the internal costs o your human resources operations.



Employee Benefts Banking 5

Retirement andBenet Plan Services

Investmentsand Wealth Management

As your single source or retirement and beneft plans,

you can combine any or all o our oerings into one

ully integrated program that is easy to manage and

easy or your employees to understand and access.1

Work independently or partner with our investment

proessionals to plan a retirement, save or education

or build a legacy or amily and heirs.

y Defned Contribution

y Defned Beneft

y Nonqualifed Deerred

Compensation

y Equity Compensation

y Executive Services

Merrill Edge®2

y A powerul network o investing

and banking capabilities

y Invest on your own or instead receive advice

and guidance by phone through the Merrill Edge

Advisory Center™

y Total banking and investing via a s ingle,

secure online experience — merrilledge.com

Comprehensive Wealth Management™ 3

y Dedicated fnancial advisor, wealth management

specialist or private wealth advisor

y Holistic wealth management advice and guidance

y Investment, retirement and estate planning,

tax management, wealth structuring and amily

ofce solutions

y Access to strategies and advice typically reserved or large institutions

Bringing it all together — helping you achieve more.

We give you more ways to build your company’s benefts programs

and empower your employees to take control o their personal

fnances with greater ease, control and efciency.

Employee Bankingand Payroll Solutions

Bank of AmericaBenet Solutions™

Employee Home Loansand Relocation Services

Banking solutions to help you reduce

payroll costs and increase direct

deposit o pay, while providing

employees with everyday banking

benefts — at no cost to you.

Cost-eective, value-added

healthcare accounts save you

money and give your employees

more control over healthcare

spending.

Attract and retain high-caliber

employees with a wide array o

home loan fnancing and employee

relocation solutions.

Bank of America at Work®

y A comprehensive package

o checking, savings and

borrowing solutions

y Keep the Change®savings

program and Add It Up®

cash back rewards program

y Online tools to help employees

plan, prepare and save

Money Network™

y Smart ways or employees

— banked or unbanked —

to access their pay

y Helps you achieve direct

deposit o pay and reduce costs

y Money Network™ Visa Paycard

and Money Network™ Checks

y Health Savings Account (HSA)

— The HSA or Lie®rom

Bank o America

y Health Reimbursement

Arrangement (HRA)

y Flexible Spending Account (FSA)

y Health Incentive Account (HIA)

y Retiree HRA

y Bank o America Employee

Home Loan®program oers

competitive rates and

discounted ees or your

entire employee base

y Enhanced voluntary benefts

program that can help increase

employee morale, retention

and recruitment

y Guidance rom a team o

experienced home loan and

relocation mortgage experts

y Relocation procedures designed

to align with your relocation policy,

including direct billing, buydown

programs, group move programs,

and no property lock-in programs



Employee Benefts Banking

Bank of America Merrill Lynch is at the forefront of providing clients with

banking clarity and nancial transparency. Our Clarity Commitment®

statement promotes the communication of clear and concise nancial

information. We make it simple for clients to understand lending products

so they can use credit wisely. Whether for mortgages or credit cards,

Clarity Commitment summaries help clients manage everyday nances

and select appropriate products and services with greater ease,

control and clarity.

Clarity commitmentEmployee Banking and Payroll Solutions

You have a strong commitment to your employees and you want to give them

the best. We have the solutions to help. The Bank o America at Work®and

Money Network programs— two integrated banking solutions that can help

you reduce payroll costs and mitigate risk, while providing your employees with

value-added, everyday banking benefts and services—all at no cost to you.

Employee Banking — Bank of America at Work

As a valued corporate client, you and your employees

are entitled to take advantage o the many benefts

and eatures o our premier banking benefts

program — Bank o America at Work.This program

is oered to you and your employees at no cost, and

is an excellent complement to the other benefts youalready provide to your employees.

Strengthen benets and maximize

employee satisfaction

Bank o America at Work provides convenient, reliable,

and secure solutions, including interactive tools to

help you manage your money. Bank o America at

Work provides your employees with checking, savings

and borrowing solutions. As a Bank o America at

Work participant, not only do you save money with

innovative products and services, now you can also

make managing your money easier, as you will have

access to a website which oers a wide range o

fnancial tools, articles, calculators and tips to help

you meet your fnancial goals. Oering this exclusive

banking package to employees is a cost-eective way

to enrich your benefts package and at the same time

oer employees added incentives to participate in a

direct deposit o payroll program.

Dedicated support

Partner with our Group Banking®team. Together,

we’ll tailor and implement a banking benefts package

to meet your company’s needs. We will provide

promotional materials, communication plans, on-siteenrollment events, website links and more. Plus,

our team will continuall y assess the program’s

eectiveness to maintain optimal perormance.

Simplify your payroll — Bank of America at Work

and Money Network

Bank o America oers a solution to help employers

increase the use o direct deposit o pay. Through

the Money Network program, made available by

Bank o America Merchant Services,4and the

Bank o America at Work program, we provide employerswith an integrated payroll solution that oers eligible

employees the choice o receiving their pay through

a traditional bank account or a paycard. With these

combined programs you can help reduce payroll costs,

mitigate risk and oer your employees a sae and cost

eective way to receive their pay.

Bank of America at Work

and Money Network benets:

For employers:

Helps increase direct deposit penetration

Reduces payroll costs associated with printing,

distribution and administrative expenses

Reduces check raud, loss and reissues

Allows or automated electronic delivery o pay

in the event o a natural disaster

Helps provide prompt disbursement and access

to wages or employees

Reduces your business’ environmental impact by

moving rom paper checks to electronic payment

For employees:

Oers superior banking products and services or

everyday banking needs

Provides essential fnancial planning toolsand resources

Provides access to cash at more than 6,000 banking

centers and 18,000 ATMs nationwide

Oers prompt disbursement and access to wages

on payday

Gives employees the ability to make purchases

wherever Visa®credit or debit cards are accepted:

in stores, online or over the phone

Grants access to wages at thousands o surcharge-

ree Allpoint Network ATMs or by cashing Money

Network Checks at no charge in thousands o

locations nationwide




Our customer healthcare accounts provide employees with

more choice and greater control over their healthcare spending

— and may reduce costs and help you save money, too.

Financial wellnessBank of America Benet Solutions

As an employer, you recognize that a cost-eective, valued-added benefts

package can help you reduce costs and retain key employees. You can count

on Bank o America Beneft Solutions to provide consumer directed healthcare

accounts that give your employees more choice and greater control over their

healthcare spending. Our health care account benefts specialists work closely

with you and your employees, providing participants with the tools and support

needed to ensure successul enrollment and participation.

Heath Savings Account (HSA) — The HSA for Life®

from Bank of America

Our HSA is truly portable and stays with your employees

whether they change health plans, move to a new jobor retire. With The HSA or Lie, employees can save or

current or uture medical expenses on a pre-tax basis

and have more control over how their healthcare dollars

are spent. In addition, HSA unds do not expire and are

always available to pay or eligible medical expenses.

Health Reimbursement Arrangement (HRA)

With an HRA, you decide the contribution amount

and eligible healthcare benefts or employees. Your

employees can then access unds to pay or medical

expenses not covered in your health plan. As a result,

you enjoy tax savings and more efcient cash ows,

while your employees avoid fling tedious claim orms

and waiting or approvals.

Flexible Spending Account (FSA)

The Health FSA allows your employees to plan ahead

or yearly medical outlays by allowing them to set aside

pre-tax money on an annual basis. Employees pay or

qualifed medical expenses incurred during that year.

And because Bank o America Beneft Solutions

streamlines the claims process, the paperwork or you

and your employees is greatly reduced, ostering higher

adoption rates across your organization. Employees

also have the option to contribute pre-tax dollars to aDependent Care FSA to pay or childcare and adult

care expenses as well.

Health Incentive Account (HIA)

Promote healthier liestyles or your employees by

contributing unds to an HIA. You can contribute unds

to an HIA or employees who actively engage in makinghealthier liestyle choices, such as participating in

smoking cessation or weight management programs.

Employees can use the unds that you contribute to cover

qualifed medical expenses. The Bank o America Beneft

Solutions HIA integrates easily with most wellness and

healthcare partners, making it a perect addition to any

benefts program.

Retiree HRA

When your HRA - eligible employees are ready to retire,

oer them the Retiree HRA. With the Retiree HRA, you

decide the eligible expenses that are right or your

retired population, including insurance premiums,

Medicare supplemental coverage premiums and more.

And your retirees can roll over unds rom their current

HRA to their Retiree HRA, allowing them to oset

growing medical costs and beneft rom all o your

HRA contributions into retirement.

NOTE:Bank o America Beneft Solutions does not provide tax or legal advice.This summary is provided solely or general inormation purposes,and is not to be construed as tax or legal advice.

Please consult with your own attorney or tax advisor to understand the tax and legal consequences o your HSA and your particular situation.




As a leading home loan lender and employee relocation specialist,

Bank of America Home Loans provides streamlined, convenient and

reliable home nancing and relocation solutions, so you and your

employees feel condent and secure in every move you make.

Unlocking possibilitiesEmployee Home Loan and Relocation Services

Today’s global marketplace requires a nimble, yet sophisticated approach to

pursuing opportunities when and where they arise. So wherever your business

takes you, the Bank o America Employee Home Loan program complements

your company’s internal benefts policy. It’s an attractive way to recruit and

retain high-caliber employees at no cost to your company.

Leverage our leadership

We are a leading home loan lender and we ocus our

considerable experience and resources on providing an

exceptionally convenient and streamlined home fnancing

process. Your company and employees can be confdent

that their mortgage loan ofcer is working hard or them.

Experience, ocus and resources — these are a ew o the benefts to be gained by making Bank o America

Home Loans®your partner o choice.

Expert guidance from home loan professionals

With personal attention rom mortgage loan ofcers

dedicated to helping your employees be successul

homeowners, we provide the convenience o a

centralized team o home loan specialists and the

confdence that comes with our long-standing

commitment to responsible lending.

We demonstrate our commitment to responsible

lending and to creating successul homeowners

through our Clarity Commitment®document, a

one-page summary o key loan terms written in

customer-riendly language and through our strong

educational ocus aimed at empowering customers

with the inormation they need to make inormed

home loan decisions.

No matter how many employees you have, or how

many employees you need to relocate, we provide

an experienced account manager as a single point

o contact or you and your sta. Our centralized team

o mortgage proessionals understands the industry and is dedicated to making the home loan process

less complicated and more rewarding or you and

your employees.

Proven solutions

Whether employees plan to purchase or refnance, the

Employee Home Loan Program can help your qualifed

employees gain access to competitive rates, ees,

customized home fnancing solutions and personal

customer service and support. Complement your

company’s internal benefts policy with our value-addedemployee home loan process that enhances employee

morale by giving them exible ways to purchase a new

home, refnance an existing home loan or obtain a home

equity loan or line o credit.

You can also help your relocating employees realize

their fnancial goals through homeownership, with

benefts including direct bill payment tailored to your

relocation policy, interest rate and payment subsidy

buydown programs and discounted closing costs and

lender ees.

Home loans as diverse as your needs

Leverage the resources o an industry leader and give

your employees an array o loan products and services

at competitive rates and ees. We oer essential home

fnancing support, group move programs designed to

maximize relocation opportunities, prequalifcation

estimates and personal attention rom a dedicated

client manager throughout the loan process. In addition,

qualifed borrowers can beneft rom reduced lender

ees, competitive interest rates and no property

lock-in programs.




Bank of America Merrill Lynch provides clients with strong market

insight, strategic investment advice, proactive wealth management,

targeted nancial solutions and industry leadership. Our strengths

and intellectual capital make us uniquely qualied to help businesses

and employees anticipate challenges and maximize opportunities.

Blending opportunitiesInvestments and Wealth Management

Your employees ace increasingly complex challenges pursuing a secure fnancial

uture. Whether they choose to manage their own investments, partner with

an experienced fnancial advisor or consult with a team o wealth management

specialists, our ull range o solutions can help them achieve the lie they envision.

Merrill Edge®

By combining the investment insights o Merrill Lynch and

the banking strength o Bank o America, Merrill Edge

oers a powerul network o capabilities that are designed

to help your employees make the most o their money.

Merrill Edge oers two options:

Merrill Edge Self-Directed Investing

Oering a wealth o tools, research and intelligence,

a sel-directed account rom Merrill Edge can help

your employees make confdent and well-inormed

investment decisions. They may also beneft rom

lower-commission pricing based on their total

relationship with Merrill Lynch and Bank o America.

Merrill Edge Advisory Center®

Proessional fnancial guidance rom the Merrill Edge

Advisory Center is available to your employees

who have between $20,000 and $250,000 to invest.

Working with a team o licensed Financial Solution

Advisors by phone, they’ll receive help developing and

implementing short- and long-term fnancial goals with

specifc investment recommendations and clear action

steps or staying on track.

No matter which option your employees choose, they

will enjoy a single view o their Merrill Lynch and

Bank o America accounts through merrilledge.com—

making fnancial management that much easier.

Comprehensive wealth management solutions

As your business grows, your executives, key employees

and their amilies are aced with more complex fnancial

needs. In partnership with a fnancial advisor, wealth

management specialist or private wealth advisor, your

employees can build a customized wealth management

strategy to help them achieve their fnancial goals.

We deliver the strength and breadth o one o the world’slargest fnancial services organizations with a wide range

o traditional and alternative investments to develop

detailed, targeted and comprehensive investment

strategies reective o the lie, wealth and legacy o

each client. Your employees can access a ull suite o

investment management, wealth structuring, credit and

banking, amily ofce, concentrated stock management,

tax management, estate and trust planning, legacy

and philanthropy solutions to help preserve and

manage wealth.




We understand the challenges institutions, families and individuals

face, as well as the communities they serve and the importance of

their missions. As a long-standing advisor to philanthropists, we have

the depth of management and investment expertise to address

today’s and tomorrow’s commitments.

Shared visionExpand upon your strengths

As a global leader in banking, benefts solutions, investment and

wealth management solutions and other fnancial risk management

products and services, Bank o America Merrill Lynch serves

clients in more than 150 countries, supports more than 59 million

consumers and small business relationships, and is among the

world’s leading wealth management companies.*

Through our size, scale and global presence, we provide clients

with a ull range o high quality, innovative capabilities, delivered

with local convenience and efciency. We are on the ground in your

communities helping businesses grow and improving lives throughcommunity development banking, philanthropy, environmental

lending, investments and volunteerism.

*As o ourth-quarter 2010




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Stacy Carcaci

Account Executive

nterprise Creative Solutions

1Bank o America Merrill Lynch is a marketing name or the Retirement & Philanthropic Services businesses o Bank o America Corporation (“BAC”).Banking and fduciary activities are perormed by wholly owned banking afliates o BAC, including

Bank o America,N.A., member FDIC.Brokerage services are perormed by wholly owned brokerage afliates o BAC,including Merrill Lynch, Pierce,Fenner & Smith Incorporated (“MLFP&S”),a registered broker-dealer and member SIPC.

2Merrill Edge® is the marketing name or two businesses: Merrill Edge Advisory Center,which oers team-based advice and guidance brokerage services; and a sel-directed online investing platorm.Both are made available through Merrill Lynch, Pierce,

Fenner & Smith Incorporated (“MLPF&S”).MLPF&S is a registered broker-dealer,member SIPC and a wholly owned subsidiary o Bank o America Corporation.

3Merrill Lynch Wealth Management makes available products and services oered by MLPF&S,a registered broker-dealer and member SIPC, and other subsidiaries o Bank o America Corporation.Investment products and services may be available through

a relationship managed by U.S.Trust,Bank o America Private Wealth Management.U.S.Trust,Bank o America Private Wealth Management,operates through Bank o America,N.A., and other subsidiaries o BAC. Bank o America,N.A., member FDIC.

4Merchant Services are provided by Bank o America,N.A. and its representative Banc o America Merchant Services,LLC. Banc o America Merchant Services,LLC i s not a bank,does not oer bank deposits,and its services are not guaranteed or insured

by the FDIC or any other governmental agency.

“Bank o America Merrill Lynch”is the marketing name or the global banking and global markets businesses o Bank o America Corporation.Lending, derivatives,and other commercial banking activities are perormed globally by banking afliates o

Bank o America Corporation,including Bank o America,N.A.,member FDIC. Securities,strategic advisory,and other investment banking activities are perormed globally by investment banking afliates o Bank o America Corporation (“Investment Banking

Afliates”),including, in the United States,Merrill Lynch, Pierce,Fenner & Smith Incorporated and Merrill Lynch Proessional Clearing Corp.,all o which are registered broker dealers and members o FINRA and SIPC, and,in other jurisdictions, by locally

registered entities.Investment products oered by Investment Banking Afliates: Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed.©2011 Bank o America Corporation.

U.S.Trust,Bank o America Private Wealth Management operates through Bank o America,N.A. and other subsidiaries o Bank o America Corporation.

Keep the Change® patent pending.

The Clarity Commitment® is provided as a convenience,does not serve as a substitute or a borrower’s actual loan documents, and is not a commitment to lend.Borrowers should become ully inormed by reviewing all o the loan and di sclosure

documentation provided.

Bank o America,N.A.,Member FDIC Equal Housing Lender © 2011 Bank o America Corporation.Credit and collateral are subject to approval.Terms and conditions apply.This is not a commitment to lend.Programs,rates, terms and conditions are

subject to change without notice.



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Stacy Carcaci

Account Executive


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Stacy Carcaci

Account Executive


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