Opportunity to do business better

You eat, sleep and breathe your business.
So when do you bank?

Easier bookkeeping with online banking and online reports.
No monthly maintenance fee for checking when you make purchases monthly
with your Visa® Business Check Card.
Guaranteed security against unauthorized business check card transactions.
Advice from peers and industry experts through our free Small Business Online Community.

Come by or click:
bankofamerica.com/YourBusiness

Bank of Amenca

Bank of Opportunity

FDIC

Bank of America will waive the monthly maintenance fee on your Business Economy Checking account for each statement period in the month following a point-of-sale Bank of America Visa Check Card purchase. For example, if you make a point-of-sale check card purchase
in the month of August, your monthly maintenance fee credit will appear on your September statement. The following transactions do not qualify as point-of-sale purchases: a) ATM transactions; b) credits, such as those for purchases that are cancelled or returned, or
other adjustments related to point-of-sale purchases; c) purchases of cash-like items, such as money orders, travelers cheques, foreign currency, cashier's checks, gaming chips, and other similar instruments and things of value; d) account funding transactions, including
transfers to open or fund deposit, escrow or brokerage accounts, and purchases of stored value cards. The account must be in good standing at the time of the purchase(s). For each month a point-of-sale check card purchase is not made, you will be charged your usual
monthly maintenance fee if you do not meet the minimum balance requirement outlined in your Personal Schedule of Fees. We may, at our discretion and without notice to you, amend or cancel this offer at any time. Claims may only be filed against posted and settled
transactions subject to dollar limits and subsequent verification, including providing all requested information supporting unauthorized use claim. For check card transactions, claims must be reported within 60 days of the statement. Bank of America, N.A. Member FDIC.
1550970
© 2009 Bank of America Corporation. All rights reserved. AR72788 I BUS-129

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MELLEN, SMITH S PIVOZ PLC

Certified Public Accountants

Serving our community for 38 years

30600 Telegraph Rd. I Suite 1131

Bingham Farms, MI 48025-4531 I (248) 642-280 3

E. Mellen, CPA
Robert E.
Michael A Pivoz, CPA
Mark L. Smith,
CPA
-
Jeffry A. Campeau, CPA,ABv
Peijin Harrison, CPA
Lori A. Wigler, CPA, c -FE

Gerald A. Kirschner, CPA
Lynne E. McKelvey, CPA
Elizabeth M. Pietrangelo, CPA
Jason L. Pivoz, CPA
Dennis A. Reef, CPA
Kevin S. Terry, CPA

1472510

November 12 @ 2009

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