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BofA Merrill Lynch Global Research 2013 Year Ahead Outlook
BofA Merrill Lynch Global Research released its 2013 Year Ahead market outlook, saying that a cloud of uncertainty is likely to overhang the markets through a painful and protracted resolution of the U.S. fiscal cliff. However, global economic growth is expected to pick up steam in the second half of the year, ultimately surprising on the upside and pushing the S&P 500 Index to 1600, a new all-time high.
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Bank of America National Mortgage Settlement
The U.S. Department of Justice and the state attorneys general have agreed to the terms of a global settlement with the largest mortgage servicers, including Bank of America. This government agreement extends our ongoing commitment to help homeowners who are struggling to make their mortgage payments.

As part of ongoing efforts to help customers in need of mortgage assistance, Bank of America has committed through the National Mortgage Settlement to develop programs to provide expanded
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Bank of America High Net Worth Philanthropy Study
The 2012 Bank of America Study of High Net Worth Philanthropy examines the giving patterns and priorities of America’s wealthiest households, and was once again written and researched in partnership with the Center on Philanthropy at Indiana University. Building upon earlier studies completed in 2010, 2008 and 2006, the latest in this series offers a deeper understanding of giving trends, strategies and traditions among wealthy donors.
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Bank of America Small Business Owner Report
The Bank of America Small Business Owner Report is a semi-annual study exploring the concerns, aspirations and perspectives of small business owners across the country.
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Bank of America Tower at One Bryant Park
Bank of America Tower at One Bryant Park represents our commitment to, and belief in, the future of New York City – not only as the world's financial capital, but as a critical market for companies looking to succeed in financial services at the highest level.
Bank of America Tower is the headquarters for our New York operations. The site is located at 42nd Street and Sixth Avenue, opposite Bryant Park and near Times Square.
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Merrill Edge and Merrill Edge Report
Merrill Edge is a streamlined investment service that gives you the investment insights of Merrill Lynch and the convenience of Bank of America banking to help simplify your financial life.

With Merrill Edge, you can see your Merrill Edge investment and Bank of America bank accounts on one page online, along with access to tools, research, support, and competitive pricing for online trades.

It’s easy to get started with Merrill Edge. It takes minutes to open your account and you can fund
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Prime Rate Information
The prime rate is the rate of interest publicly announced from time to time by Bank of America as its "prime rate." The prime rate is set by Bank of America based on various factors, including the bank's costs and desired return, general economic conditions and other factors, and is used as a reference point for pricing some loans. Bank of America may price loans to its customers at, above, or below the prime rate.

In some Bank of America loan documentation, the term "reference rate" has been
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