Obligation Bank of America 5.875% ( US06051GEE52 ) en USD

Bank of America

100 % ▲

Etats-unis

US06051GEE52 ( en USD )

5.875% par an ( paiement semestriel )

04/01/2021 - Obligation échue

Prospectus brochure de l'obligation Bank of America US06051GEE52 en USD 5.875%, échue

5 000 USD

1 500 000 000 USD

06051GEE5

A- ( Qualité moyenne supérieure )

A2 ( Qualité moyenne supérieure )

Bank of America est une société financière américaine offrant une large gamme de services bancaires, de gestion de patrimoine et d'investissement aux particuliers et aux entreprises, à travers un vaste réseau d'agences et de canaux numériques.

L'Obligation émise par Bank of America ( Etats-unis ) , en USD, avec le code ISIN US06051GEE52, paye un coupon de 5.875% par an.
Le paiement des coupons est semestriel et la maturité de l'Obligation est le 04/01/2021

L'Obligation émise par Bank of America ( Etats-unis ) , en USD, avec le code ISIN US06051GEE52, a été notée A2 ( Qualité moyenne supérieure ) par l'agence de notation Moody's.

L'Obligation émise par Bank of America ( Etats-unis ) , en USD, avec le code ISIN US06051GEE52, a été notée A- ( Qualité moyenne supérieure ) par l'agence de notation Standard & Poor's ( S&P ).

Final Prospectus Supplement No.522
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424B5 1 d424b5.htm FINAL PROSPECTUS SUPPLEMENT NO.522
Table of Contents
CALCULATION OF REGISTRATION FEE

Proposed
Title of Each Class of Securities to be
Maximum Aggregate
Amount of
Registered

Offering Price

Registration Fee(1)
5.875% Senior Notes, due January 2021

$1,500,000,000

$106,950

(1)
Calculated in accordance with Rule 457(r) of the Securities Act of 1933.
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Table of Contents
Filed Pursuant to Rule 424(b)(5)
Registration No. 333-158663

Pricing Supplement No. 522
(To Prospectus dated April 20, 2009 and
Prospectus Supplement dated April 21, 2009)
December 16, 2010

Medium-Term Notes, Series L

$1,500,000,000
5.875% Senior Notes, due January 2021

This pricing supplement supplements the terms and conditions in the Prospectus, dated April 20, 2009, as supplemented by the Series L Prospectus Supplement, dated
April 21, 2009 (as so supplemented, together with all documents incorporated by reference, the "Prospectus"), and should be read with the Prospectus. Unless otherwise
defined in this pricing supplement, terms used herein have the same meanings as are given to them in the Prospectus.

· Title of the Series:

5.875% Senior Notes, due January 2021
· Aggregate Principal Amount

$1,500,000,000
Initially Being Issued:

· Issue Date:

December 21, 2010
· CUSIP No.:

06051G EE5
· ISIN:

US06051 GEE52
· Maturity Date for Principal:

January 5, 2021
· Minimum Denominations:

$5,000 and multiples of $5,000 in excess of $5,000
· Ranking:

Senior
· Day Count Fraction:

30/360
· Interest Periods:

Semi-annual
· Interest Payment Dates:

January 5 and July 5 of each year, beginning July 5, 2011.
· Record Dates for Interest Payments:
For book-entry only notes, one business day prior to the applicable Interest
Payment Date. If notes are not held in book-entry only form, the record dates
will be the fifteenth day of the calendar month preceding the month in which the

applicable Interest Payment Date is scheduled to occur.
· Optional Redemption:

None
· Repayment at Option of Holder:

None
· Listing:

None
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· Selling Agents and Conflicts of Interest:

As set forth on page PS-2

None of the Securities and Exchange Commission, any state securities commission, or any other regulatory body has approved or disapproved of these notes or passed upon
the adequacy or accuracy of this pricing supplement, the attached prospectus supplement, or the attached prospectus. Any representation to the contrary is a criminal
offense.

Per Note
Total

Public Offering Price
99.264%
$1,488,960,000

Selling Agents' Commission
0.450%
$
6,750,000

Proceeds (before expenses)
98.814%
$1,482,210,000

Sole Book-Runner
BofA Merrill Lynch

ANZ Securities Deutsche Bank Securities ING Lloyds TSB Corporate Markets
Mizuho Securities USA Inc.
Scotia Capital
Aladdin Capital LLC
Blaylock Robert Van, LLC
Cantor Fitzgerald & Co.
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Table of Contents
Supplemental Information Concerning the Plan of Distribution

On December 16, 2010, we entered into an agreement with the selling agents identified below for the purchase and sale of the notes. We have agreed to sell to each
of the selling agents, and each of the selling agents has agreed to purchase from us, the principal amount of the notes shown opposite its name at the public offering price set
forth above.

Principal
Selling Agent
Amount of Notes

Merrill Lynch, Pierce, Fenner & Smith Incorporated

$1,387,500,000
ANZ Securities, Inc.

15,000,000
Deutsche Bank Securities, Inc.

15,000,000
ING Financial Markets LLC

15,000,000
Lloyds TSB Bank plc

15,000,000
Mizuho Securities USA Inc.

15,000,000
Scotia Capital (USA) Inc.

15,000,000
Aladdin Capital LLC

7,500,000
Blaylock Robert Van, LLC

7,500,000
Cantor Fitzgerald & Co.

7,500,000

Total

$1,500,000,000

The selling agents may sell the notes to certain dealers at the public offering price, less a concession which will not exceed 0.30% of their principal amount. The
selling agents and those dealers may resell the notes to other dealers at a reallowance discount which will not exceed 0.25% of their principal amount.

After the initial offering of the notes, the concession and reallowance discounts on the notes may change.

We estimate that the total offering expenses for the notes, excluding the selling agents' commissions, will be approximately $338,950.

Merrill Lynch, Pierce, Fenner & Smith Incorporated is our wholly-owned subsidiary, and we will receive the net proceeds of the offering.

Lloyds TSB Bank plc is not a U.S. registered broker-dealer and, therefore, to the extent that they intend to effect any sales of the notes in the United States, they will
do so through one or more U.S. registered broker-dealers, as permitted by the regulations of the Financial Industry Regulatory Authority.

Additional Selling Restrictions

In addition to the representations, agreements, and restrictions set forth in the attached prospectus supplement under "Supplemental Plan of Distribution--Selling
Restrictions," the following representations, agreements, and restrictions will apply to the notes.

Israel

This offer is intended solely for investors listed in the First Supplement of the Israeli Securities Law of 1968, as amended. A prospectus has not been prepared or
filed, and will not be prepared or filed, in Israel relating to the notes offered by this pricing supplement. The notes cannot be resold in Israel other than to investors listed in
the First Supplement of the Israeli Securities Law of 1968, as amended.
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PS-2
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Table of Contents

Medium-Term Notes, Series L
We may offer from time to time our Bank of America Corporation Medium-Term Notes, Series L. The specific terms of any notes that we offer will be determined before
each sale and will be described in a separate product supplement, index supplement and/or pricing supplement (each, a "supplement"). Terms may include:
· Priority: senior or subordinated

· Maturity: three months or more
· Interest rate: notes may bear interest at fixed or floating rates, or may not bear

any interest
· Indexed notes: principal, premium (if any), interest payments, or other

amounts payable (if any) linked, either directly or indirectly, to the price or
· Base floating rates of interest:
performance of one or more market measures, including securities, currencies,

federal funds rate
commodities, interest rates, stock or commodity indices, inflation indices, or

any combination of the above

LIBOR

EURIBOR
· Payments: U.S. dollars or any other currency that we specify in the applicable

prime rate
supplement

treasury rate

any other rate we specify

We may sell notes to the selling agents as principal for resale at varying or fixed offering prices or through the selling agents as agents using their best efforts on our behalf.
We also may sell the notes directly to investors.
We may use this prospectus supplement and the accompanying prospectus in the initial sale of any notes. In addition, Banc of America Securities LLC, Merrill Lynch,
Pierce, Fenner & Smith Incorporated, or any of our other affiliates, may use this prospectus supplement and the accompanying prospectus in a market-making transaction in
any notes after their initial sale. Unless we or one of our selling agents informs you otherwise in the confirmation of sale, this prospectus supplement and the accompanying
prospectus are being used in a market-making transaction.
Unless otherwise specified in the applicable supplement, we do not intend to list the notes on any securities exchange.
Investing in the notes involves risks. See "Risk Factors" beginning on page S-4.

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Our notes are unsecured and are not savings accounts, deposits, or other obligations of a bank. Our notes are not guaranteed by Bank of America, N.A. or any other bank,
are not insured by the Federal Deposit Insurance Corporation or any other governmental agency, and involve investment risks.
None of the Securities and Exchange Commission, any state securities commission, or any other regulatory body has approved or disapproved of these notes or passed
upon the adequacy or accuracy of this prospectus supplement or the accompanying prospectus. Any representation to the contrary is a criminal offense.

Banc of America Securities LLC
Banc of America Investment Services, Inc.
Merrill Lynch & Co.

Prospectus Supplement to Prospectus dated April 20, 2009
April 21, 2009
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Table of Contents
TABLE OF CONTENTS

Page

Page
Prospectus Supplement

Description of Purchase Contracts
39
About this Prospectus Supplement
S-3
General
39
Risk Factors
S-4
Purchase Contract Property
39
Description of the Notes
S-5
Information in Supplement
40
General
S-5
Prepaid Purchase Contracts; Applicability of Indenture
41
Types of Notes
S-6
Non-Prepaid Purchase Contracts; No Trust Indenture Act Protection
41
Payment of Principal, Interest, and Other Amounts Due
S-8
Pledge by Holders to Secure Performance
41
Ranking
S-
Settlement of Purchase Contracts That Are Part of Units
41

10
Failure of Holder to Perform Obligations
42
Redemption
S-
Unsecured Obligations
42

11
Description of Units
42
Repayment
S-
General
42

11
Unit Agreements: Prepaid, Non-Prepaid, and Other
43
Reopenings
S-
Modification
43

11
Enforceability of Rights of Unitholders; No Trust Indenture Act Protection
44
Extendible/Renewable Notes
S-
Unsecured Obligations
44

11
Description of Preferred Stock
44
Other Provisions
S-
General
44

11
The Preferred Stock
46
Repurchase
S-
Description of Depositary Shares
47

11
General
47
Form, Exchange, Registration, and Transfer of Notes
S-
Terms of the Depositary Shares
48

11
Withdrawal of Preferred Stock
48
U.S. Federal Income Tax Considerations
S-
Dividends and Other Distributions
48

12
Redemption of Depositary Shares
49
Supplemental Plan of Distribution
S-
Voting the Deposited Preferred Stock
49

12
Amendment and Termination of the Deposit Agreement
49
Selling Restrictions
S-
Charges of Depository
50

15
Miscellaneous
50
Legal Matters
S-
Resignation and Removal of Depository
50

20
Description of Common Stock
50
General
50

Page
Voting and Other Rights
51
Prospectus

Dividends
51
About this Prospectus
3
Registration and Settlement
52
Prospectus Summary
4
Book-Entry Only Issuance
52
Risk Factors
8
Certificates in Registered Form
52
Currency Risks
8
Street Name Owners
53
Other Risks
9
Legal Holders
53
Bank of America Corporation
11
Special Considerations for Indirect Owners
53
General
11
Depositories for Global Securities
54
Acquisitions and Sales
11
Special Considerations for Global Securities
58
Use of Proceeds
12
Registration, Transfer, and Payment of Certificated Securities
59
Description of Debt Securities
13
U.S. Federal Income Tax Considerations
60
General
13
Taxation of Debt Securities
61
The Indentures
13
Taxation of Common Stock, Preferred Stock, and Depositary Shares
73
Form and Denomination of Debt Securities
14
Taxation of Warrants
78
Different Series of Debt Securities
14
Taxation of Purchase Contracts
78
Fixed-Rate Notes
15
Taxation of Units
79
Floating-Rate Notes
16
Reportable Transactions
79
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Indexed Notes
23

EU Directive on the Taxation of Savings Income
79
Floating-Rate/Fixed-Rate/Indexed Notes
24
S-2

Plan of Distribution
81
Original Issue Discount Notes
24
Distribution Through Underwriters
81
Payment of Principal, Interest, and Other Amounts Due
24
Distribution Through Dealers
81
No Sinking Fund
27
Distribution Through Agents
82
Redemption
27
Direct Sales
82
Repayment
27
General Information
82
Repurchase
27
Market-Making Transactions by Affiliates
83
Conversion
28
ERISA Considerations
84
Exchange, Registration, and Transfer
28
Where You Can Find More Information
85
Subordination
28
Forward-Looking Statements
86
Sale or Issuance of Capital Stock of Banks
29
Legal Matters
87
Limitation on Mergers and Sales of Assets
30
Experts
87
Waiver of Covenants
30
Modification of the Indentures
30
Meetings and Action by Securityholders
31
Events of Default and Rights of Acceleration
31
Collection of Indebtedness
31
Payment of Additional Amounts
32
Redemption for Tax Reasons
34
Defeasance and Covenant Defeasance
35
Notices
36
Concerning the Trustees
36
Governing Law
36
Description of Warrants
36
General
36
Description of Debt Warrants
36
Description of Universal Warrants
37
Modification
38
Enforceability of Rights of Warrantholders; No Trust Indenture Act Protection
38
Unsecured Obligations
39

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Table of Contents
ABOUT THIS PROSPECTUS SUPPLEMENT
We have registered the notes on a registration statement on Form S-3 with the Securities and Exchange Commission under Registration No. 333-158663.
From time to time, we intend to use this prospectus supplement, the accompanying prospectus, and a related product supplement, index supplement and/or pricing
supplement to offer the notes. We may refer to any pricing supplement as a "term sheet." You should read each of these documents before investing in the notes.
This prospectus supplement describes additional terms of the notes and supplements the description of our debt securities contained in the accompanying prospectus.
If the information in this prospectus supplement is inconsistent with the prospectus, this prospectus supplement will supersede the information in the prospectus.
This prospectus supplement and the accompanying prospectus do not constitute an offer to sell or the solicitation of an offer to buy the notes in any jurisdiction in
which that offer or solicitation is unlawful. The distribution of this prospectus supplement and the accompanying prospectus and the offering of the notes in some
jurisdictions may be restricted by law. If you have received this prospectus supplement and the accompanying prospectus, you should find out about and observe these
restrictions. Persons outside the United States who come into possession of this prospectus supplement and the accompanying prospectus must inform themselves about and
observe any restrictions relating to the distribution of this prospectus supplement and the accompanying prospectus and the offering of the notes outside of the United
States. See "Supplemental Plan of Distribution."
This prospectus supplement and the accompanying prospectus have been prepared on the basis that any offer of notes in any member state of the European Economic
Area (each, a "Relevant Member State") which has implemented the Prospectus Directive (2003/71/EC) (the "Prospectus Directive") will be made under an exemption
under the Prospectus Directive, as implemented in that Relevant Member State, from the requirement to publish a prospectus for offers of notes. Accordingly, any person
making or intending to make an offer in that Relevant Member State of any notes which are contemplated in this prospectus supplement and the accompanying prospectus
may only do so in circumstances in which no obligation arises for us or any of the selling agents to publish a prospectus pursuant to Article 3 of the Prospectus Directive or
supplement a prospectus pursuant to Article 16 of the Prospectus Directive, in each case, in relation to such offer. Neither we nor the selling agents have authorized, and
neither we nor they authorize, the making of any offer of notes in circumstances in which an obligation arises for us or any selling agent to publish or supplement a
prospectus for the purposes of the Prospectus Directive in relation to such offer. Neither this prospectus supplement nor the accompanying prospectus constitutes an
approved prospectus for the purposes of the Prospective Directive.
For each offering of notes, we will issue a product supplement, index supplement, and/or a pricing supplement which will contain additional terms of the offering
and a specific description of the notes being offered. A supplement also may add, update, or change information in this prospectus supplement or the accompanying
prospectus, including provisions describing the calculation of the amounts due under the notes and the method of making payments under the terms of a note. We will state
in the applicable supplement the interest rate or interest rate basis or formula, issue price, any relevant market measures, the maturity date, interest payment dates,
redemption, or repayment provisions, if any, and other relevant terms and conditions for each note at the time of issuance. A supplement also may include a discussion of
any risk factors or other special additional considerations that apply to a particular type of note. Each applicable supplement can be quite detailed and always should be read
carefully.
Any term that is used, but not defined, in this prospectus supplement has the meaning set forth in the accompanying prospectus.

S-3
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