NEA Line of Credit Disclosures

‡ We may prohibit use of this account to pay off or pay down any account issued by FIA Card Services, N.A.

† We will set your initial variable APR between 11.99% and 18.99%, based on creditworthiness. Your APR will vary with the market based on the Prime Rate. We reserve the right to change your APR, fees, or other credit terms at our discretion in accordance with the Account Agreement and applicable law. You will pay a 2% transaction fee on each advance (minimum fee $5; there is no maximum). Transaction fee is added to balance and accrues interest charges. Other fees may apply.

* Upon approval, we will establish your credit line between $500 and $25,000 based on creditworthiness.

†† The NEA Line of Credit has been developed for NEA members and their families only. Eligible NEA family members include parents, spouse (or domestic partner) and children. If a member decides not to renew membership, that person and his/her family will no longer be eligible to receive the preferred rates and fees offered through the NEA Line of Credit. If eligible, a replacement line of credit may be offered.

The information about the NEA Line of Credit is accurate as of 12/31/11. The information may have changed after that date. To find out what may have changed, please call 1-866-266-0211.

The NEA is not involved in the credit decision process. All applications are subject to a confidential standard review by FIA Card Services, N.A. This account is issued and administered by FIA Card Services, N.A.

Absolutely no membership dues are used to market this program.

The Bank of America^® Privacy Notice is available at http://www.bankofamerica.com/privacy and accompanies your new account materials.

NEA Line of Credit is a registered service mark of NEA’s Member Benefits Corporation and is a financial service provided by FIA Card Services, N.A., used pursuant to license.

Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation.

© 2011 Bank of America Corporation