Bond America Bank 5.7% ( US06051GEM78 ) in USD

Issuer America Bank
Market price 100 %  ▼ 
Country  United States
ISIN code  US06051GEM78 ( in USD )
Interest rate 5.7% per year ( payment 2 times a year)
Maturity 23/01/2022 - Bond has expired



Prospectus brochure of the bond Bank of America US06051GEM78 in USD 5.7%, expired


Minimal amount 2 000 USD
Total amount 2 250 000 000 USD
Cusip 06051GEM7
Standard & Poor's ( S&P ) rating A- ( Upper medium grade - Investment-grade )
Moody's rating A2 ( Upper medium grade - Investment-grade )
Detailed description Bank of America is a multinational investment bank and financial services corporation headquartered in Charlotte, North Carolina, offering a wide range of financial products and services to individual and corporate clients globally.

The Bond issued by America Bank ( United States ) , in USD, with the ISIN code US06051GEM78, pays a coupon of 5.7% per year.
The coupons are paid 2 times per year and the Bond maturity is 23/01/2022

The Bond issued by America Bank ( United States ) , in USD, with the ISIN code US06051GEM78, was rated A2 ( Upper medium grade - Investment-grade ) by Moody's credit rating agency.

The Bond issued by America Bank ( United States ) , in USD, with the ISIN code US06051GEM78, was rated A- ( Upper medium grade - Investment-grade ) by Standard & Poor's ( S&P ) credit rating agency.







Pricing Supplement No. 826
http://www.sec.gov/Archives/edgar/data/70858/000119312512019972/d...
424B5 1 d284055d424b5.htm PRICING SUPPLEMENT NO. 826
Table of Contents
CALCULATION OF REGISTRATION FEE


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

Offering Price

Fee(1)
5.700% Senior Notes, due January 2022
$1,500,000,000
$171,900


(1) Calculated in accordance with Rule 457(r) of the Securities Act of 1933.
1 of 118
1/23/2012 4:08 PM


Pricing Supplement No. 826
http://www.sec.gov/Archives/edgar/data/70858/000119312512019972/d...
Table of Contents
Filed Pursuant to Rule 424(b)(5)
Registration No. 333-158663


Pricing Supplement No. 826
(To Prospectus dated April 20, 2009 and
Prospectus Supplement dated April 21, 2009)
January 19, 2012


Medium-Term Notes, Series L

$1,500,000,000

5.700% Senior Notes, due January 2022

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, and should be read as a whole. Unless otherwise defined in this pricing supplement,
terms used herein have the same meanings as are given to them in the attached prospectus supplement and prospectus.

· Title of the Series:

5.700% Senior Notes, due January 2022
· Aggregate Principal Amount

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


· Issue Date:

January 24, 2012
· CUSIP No.:

06051 GEM7
· ISIN:

US06051 GEM78
· Maturity Date for Principal:

January 24, 2022
· Minimum Denominations:

$2,000 and multiples of $1,000 in excess of $2,000
· Ranking:

Senior
· Day Count Fraction:

30/360
· Interest Periods:

Semi-annual
· Interest Payment Dates:

January 24 and July 24 of each year, commencing on July 24,
2012, subject to the following business day convention

(unadjusted).
· 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 first day of the
calendar month in which the applicable Interest Payment Date is

scheduled to occur.
· Optional Redemption:

None
· Repayment at Option of Holder:

None
· Listing:

None
· 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
99.586% $1,493,790,000

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




Proceeds (before expenses)
99.136% $1,487,040,000

Sole Book-Runner
2 of 118
1/23/2012 4:08 PM


Pricing Supplement No. 826
http://www.sec.gov/Archives/edgar/data/70858/000119312512019972/d...

BofA Merrill Lynch



Credit Agricole CIB

Deutsche Bank Securities

Lloyds Securities
Mizuho Securities
nabSecurities, LLC


Scotia Capital

Standard Chartered Bank


Drexel Hamilton Ramirez & Co., Inc.
3 of 118
1/23/2012 4:08 PM


Pricing Supplement No. 826
http://www.sec.gov/Archives/edgar/data/70858/000119312512019972/d...
Table of Contents
Recent Developments

On January 19, 2012, we issued a press release announcing our earnings for the fourth quarter and fiscal year ended December
31, 2011. The press release was furnished as Exhibit 99.1 to our Current Report on Form 8-K filed with the SEC on January 19,
2012. Certain financial information as of and for each of the quarters and fiscal years ended December 31, 2011 and December 31,
2010 contained in the press release is incorporated by reference into this pricing supplement (see "Where You Can Find More
Information" in the accompanying prospectus). Such financial information should be read along with our financial statements and
accompanying notes to those financial statements, together with the information set forth under "Management's Discussion and
Analysis of Financial Condition and Results of Operations" in our Annual Report on Form 10-K for the fiscal year ended December
31, 2010 and in our Quarterly Report on Form 10-Q for the period ended September 30, 2011, each of which is also incorporated by
reference in to this prospectus.

U.S. Federal Income Tax Considerations

For a brief description of the tax effects of an investment in the notes, see "U.S. Federal Income Tax Considerations" and "U.S.
Federal Income Tax Considerations--Taxation of Debt Securities" beginning on page 60 and page 61, respectively, of the attached
prospectus.

The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010 extended the application of the
maximum 15% tax rate on net long-term capital gains recognized by individual taxpayers to taxable years beginning before January 1,
2013. Accordingly, net long-term capital gain recognized by an individual U.S. Holder (as defined in the attached prospectus) of the
notes in taxable years beginning before January 1, 2013 generally will be subject to tax at a maximum rate of 15%.

With respect to taxable years beginning after December 31, 2012, certain U.S. Holders, including individuals, estates and trusts,
will be subject to an additional 3.8% Medicare tax on unearned income. For individual U.S. Holders, the additional Medicare tax
applies to the lesser of (i) "net investment income," or (ii) the excess of "modified adjusted gross income" over $200,000 ($250,000
if married and filing jointly or $125,000 if married and filing separately). "Net investment income" generally equals the taxpayer's
gross investment income reduced by the deductions that are allocable to such income. Investment income generally includes passive
income such as interest, dividends, annuities, royalties, rents, and capital gains. U.S. Holders are urged to consult their own tax
advisors regarding the implications of the additional Medicare tax resulting from an investment in the notes.

Supplemental Information Concerning the Plan of Distribution and Conflicts of Interest

On January 19, 2012, 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 in the table below at the public offering price set forth above.

Principal Amount
Selling Agent
of Notes


Merrill Lynch, Pierce, Fenner & Smith Incorporated

$1,380,000,000
Credit Agricole Securities (USA) Inc.

$
15,000,000
Deutsche Bank Securities Inc.

$
15,000,000
Lloyds Securities Inc.

$
15,000,000
Mizuho Securities USA Inc.

$
15,000,000
nabSecurities, LLC

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

$
15,000,000
Standard Chartered Bank

$
15,000,000
Drexel Hamilton, LLC

$
7,500,000
Samuel A. Ramirez & Company, Inc.

$
7,500,000


Total

$1,500,000,000




PS-2
4 of 118
1/23/2012 4:08 PM


Pricing Supplement No. 826
http://www.sec.gov/Archives/edgar/data/70858/000119312512019972/d...
Table of Contents
The selling agents may sell the notes to certain dealers at the applicable 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 the notes may change.

We estimate that the total offering expenses for the notes, excluding the selling agents' commissions, will be approximately
$425,950.

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

In addition, in the ordinary course of their business activities, the selling agents and their affiliates may make or hold a broad
array of investments and actively trade debt and equity securities (or related derivative securities) and financial instruments
(including bank loans) for their own account and for the accounts of their customers. Such investments and securities activities may
involve securities and/or instruments of ours or our affiliates. Certain of the selling agents or their affiliates that have a lending
relationship with us routinely hedge their credit exposure to us consistent with their customary risk management policies. Typically,
such selling agents and their affiliates would hedge such exposure by entering into transactions which consist of either the purchase of
credit default swaps or the creation of short positions in our securities, including potentially the notes offered by this pricing
supplement and the attached prospectus supplement and prospectus. Any such short positions could adversely affect future trading
prices of the notes offered by this pricing supplement and the attached prospectus supplement and prospectus. The selling agents and
their affiliates may also make investment recommendations and/or publish or express independent research views in respect of such
securities or financial instruments and may hold, or recommend to clients that they acquire, long and/or short positions in such
securities and instruments.

Standard Chartered Bank will not effect any offers or sales of any notes in the United States unless it is 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.

Austria

The notes may only be offered in the Republic of Austria in compliance with the provisions of the Austrian Capital Market Act
and the Austrian Investment Funds Act and any other laws applicable in the Republic of Austria governing the offer and sale of the
notes in the Republic of Austria. The notes are not registered or otherwise authorised for public offer under the Capital Market Act or
the Investment Funds Act or any other relevant securities legislation in Austria. The recipients of this pricing supplement and the
attached prospectus supplement and prospectus and other selling material in respect to the notes have been individually selected and
are targeted exclusively on the basis of a private placement. Accordingly, the notes may not be, and are not being, offered or
advertised publicly or offered similarly under either the Capital Market Act or the Investment Funds Act or any other relevant
securities legislation in Austria. This offer may not be made to any other persons than the recipients to whom this document is
personally addressed. We are a U.S. bank holding company and a financial holding company. We are not a bank under the Austrian
Banking Act (Bankwesengesetz) and are not EU passported to perform banking business in Austria.

PS-3
5 of 118
1/23/2012 4:08 PM


Pricing Supplement No. 826
http://www.sec.gov/Archives/edgar/data/70858/000119312512019972/d...
Table of Contents
European Economic Area

In relation to each Member State of the European Economic Area which has implemented the Prospectus Directive (each, a
"Relevant Member State"), each selling agent has represented and agreed that with effect from and including the date on which the
Prospectus Directive is implemented in that Relevant Member State (the "Relevant Implementation Date") it has not made and will
not make an offer of the notes which are the subject of the offering contemplated by this pricing supplement and the attached
prospectus supplement and prospectus to the public in that Relevant Member State except that it may, with effect from and including
the Relevant Implementation Date, make an offer of such notes to the public in that Relevant Member State:

(a) at any time to any legal entity which is a qualified investor as defined in the Prospectus Directive;

(b) at any time to fewer than 100 or, if the Relevant Member State has implemented the relevant provision of the 2010 PD

Amending Directive, 150, natural or legal persons (other than qualified investors as defined in the Prospectus Directive),
subject to obtaining the prior consent of the relevant selling agent(s) nominated by us for any such offer; or

(c) at any time in any other circumstances falling within Article 3(2) of the Prospectus Directive,

provided that no such offer of the notes referred to in (a) to (c) above shall require us or any selling agent to publish a prospectus
pursuant to Article 3 of the Prospectus Directive, or supplement a prospectus pursuant to Article 16 of the Prospectus Directive.

For the purposes of this provision, the expression an "offer of Notes to the public" in relation to any of the notes in any Relevant
Member State means the communication in any form and by any means of sufficient information on the terms of the offer and the notes
to be offered so as to enable an investor to decide to purchase or subscribe the notes, as the same may be varied in that Member State
by any measure implementing the Prospectus Directive in that Member State, the expression "Prospectus Directive" means Directive
2003/71/EC (and amendments thereto, including the 2010 PD Amending Directive, to the extent implemented in the Relevant Member
State), and includes any relevant implementing measure in the Relevant Member State and the expression "2010 PD Amending
Directive" means Directive 2010/73/EU.
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 and the attached prospectus supplement and prospectus. 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.

Italy

The offering of the notes has not been registered with CONSOB - Commissione Nazionale per le Società e la Borsa (the Italian
Companies and Exchange Commission) pursuant to Italian securities legislation and, accordingly, no such notes may be offered, sold
or delivered, nor may copies of this pricing supplement or the attached prospectus supplement and prospectus or of any other
document relating to the notes be distributed in the Republic of Italy except:

(i)
to qualified investors (investitori qualificati), as defined in Article 34-ter, first paragraph, letter b, of CONSOB

Regulation No. 11971 of 14 May 1999, as amended ("CONSOB Regulation No. 11971"), pursuant to Article 100 of
Legislative Decree No. 58 of 24 February 1998, as amended (the "Financial Services Act"); or

(ii) in other circumstances which are exempted from the rules on offerings of securities to the public pursuant to Article 100 of

the Financial Services Act and Article 34-ter, first paragraph, of CONSOB Regulation No. 11971.

PS-4
6 of 118
1/23/2012 4:08 PM


Pricing Supplement No. 826
http://www.sec.gov/Archives/edgar/data/70858/000119312512019972/d...
Table of Contents
Any offer, sale or delivery of the notes or distribution of copies of this pricing supplement or the attached prospectus supplement
and prospectus or any other document relating to the notes in the Republic of Italy under (i) or (ii) above must be:

(a) made by an investment firm, bank or financial intermediary permitted to conduct such activities in the Republic of Italy in

accordance with the Financial Services Act, Legislative Decree No. 385 of 1 September 1993, as amended (the
"Consolidated Banking Act"), and Regulation No. 16190 of 29 October 2007 (as amended from time to time);

(b) in compliance with Article 129 of Consolidated Banking Act, as amended, and the implementing guidelines of the Bank of

Italy, as amended from time to time, pursuant to which the Bank of Italy may request information on the issue or the offer of
securities in the Republic of Italy; and

(c) in compliance with any other applicable laws and regulations or requirement imposed by CONSOB or other Italian

authority.

Please note that in accordance with Article 100-bis of the Financial Services Act, concerning the circulation of financial
products, where no exemption from the rules on offerings of securities to the public applies under (i) and (ii) above, the subsequent
distribution of the notes on the secondary market in Italy must be made in compliance with the public offer and the prospectus
requirement rules provided under the Financial Services Act and CONSOB Regulation No. 11971. Furthermore, Article 100-bis of
the Financial Services Act affects the transferability of the notes in the Republic of Italy to the extent that any placing of the notes is
made solely with qualified investors and the notes are then systematically resold to non-qualified investors on the secondary market at
any time in the 12 months following such placing. Where this occurs, if a prospectus has not been published, purchasers of the notes
who are acting outside of the course of their business or profession may be entitled to declare such purchase null and void and to
claim damages from any authorised intermediary at whose premises the notes were purchased, unless an exemption provided for by
the Financial Services Act applies.

Validity of the Notes

In the opinion of McGuireWoods LLP, as counsel to Bank of America Corporation ("BAC"), when the notes offered by this
pricing supplement and the attached prospectus supplement and prospectus have been completed and executed by BAC, and
authenticated by the trustee in accordance with the provisions of the Senior Indenture, and delivered against payment therefor as
contemplated by this pricing supplement and the attached prospectus supplement and prospectus, such notes will be legal, valid and
binding obligations of BAC, subject to applicable bankruptcy, reorganization, insolvency, moratorium, fraudulent conveyance or other
similar laws affecting the rights of creditors now or hereafter in effect, and to equitable principles that may limit the right to specific
enforcement of remedies, and further subject to 12 U.S.C. §1818(b)(6)(D) (or any successor statute) and any bank regulatory powers
now or hereafter in effect and to the application of principles of public policy. This opinion is given as of the date hereof and is
limited to the Federal laws of the United States, the laws of the State of New York and the Delaware General Corporation Law
(including the statutory provisions, all applicable provisions of the Delaware Constitution and reported judicial decisions
interpreting the foregoing). In addition, this opinion is subject to customary assumptions about the trustee's authorization, execution
and delivery of the Senior Indenture, the validity, binding nature and enforceability of the Senior Indenture with respect to the trustee,
the legal capacity of natural persons, the genuineness of signatures, the authenticity of all documents submitted to McGuireWoods LLP
as originals, the conformity to original documents of all documents submitted to McGuireWoods LLP as photocopies, the authenticity
of the originals of such copies and certain factual matters, all as stated in the letter of McGuireWoods LLP dated April 28, 2011,
which has been filed as an exhibit to our Current Report on Form 8-K dated April 28, 2011.

PS-5
7 of 118
1/23/2012 4:08 PM


Pricing Supplement No. 826
http://www.sec.gov/Archives/edgar/data/70858/000119312512019972/d...
Table of Contents
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,
· Indexed notes: principal, premium (if any), interest payments,
or may not bear any interest
or other amounts payable (if any) linked, either directly or

indirectly, to the price or performance of one or more market
· Base floating rates of interest:
measures, including securities, currencies, commodities,

¡ federal funds rate
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

¡ prime rate
in the applicable 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.

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.


8 of 118
1/23/2012 4:08 PM


Pricing Supplement No. 826
http://www.sec.gov/Archives/edgar/data/70858/000119312512019972/d...
Prospectus Supplement to Prospectus dated April 20, 2009
April 21, 2009
9 of 118
1/23/2012 4:08 PM


Pricing Supplement No. 826
http://www.sec.gov/Archives/edgar/data/70858/000119312512019972/d...
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
Payment of Principal, Interest, and Other Amounts Due

S-8
Protection

41
Ranking

S-10
Pledge by Holders to Secure Performance

41
Redemption

S-11
Settlement of Purchase Contracts That Are Part of Units

41
Repayment

S-11
Failure of Holder to Perform Obligations

42
Reopenings

S-11
Unsecured Obligations

42
Extendible/Renewable Notes

S-11
Description of Units

42
Other Provisions

S-11
General

42
Repurchase

S-11
Unit Agreements: Prepaid, Non-Prepaid, and Other

43
Form, Exchange, Registration, and Transfer of Notes

S-11
Modification

43
U.S. Federal Income Tax Considerations

S-12
Enforceability of Rights of Unitholders; No Trust Indenture Act
Supplemental Plan of Distribution

S-12
Protection

44
Selling Restrictions

S-15
Unsecured Obligations

44
Legal Matters

S-20
Description of Preferred Stock

44
General

44


Page
The Preferred Stock

46
Prospectus

Description of Depositary Shares

47
About this Prospectus


3
General

47
Prospectus Summary


4
Terms of the Depositary Shares

48
Risk Factors


8
Withdrawal of Preferred Stock

48
Currency Risks


8
Dividends and Other Distributions

48
Other Risks


9
Redemption of Depositary Shares

49
Bank of America Corporation

11
Voting the Deposited Preferred Stock

49
General

11
Amendment and Termination of the Deposit Agreement

49
Acquisitions and Sales

11
Charges of Depository

50
Use of Proceeds

12
Miscel aneous

50
Description of Debt Securities

13
Resignation and Removal of Depository

50
General

13
Description of Common Stock

50
The Indentures

13
General

50
Form and Denomination of Debt Securities

14
Voting and Other Rights

51
Different Series of Debt Securities

14
Dividends

51
Fixed-Rate Notes

15
Registration and Settlement

52
Floating-Rate Notes

16
Book-Entry Only Issuance

52
Indexed Notes

23
Certificates in Registered Form

52
Floating-Rate/Fixed-Rate/Indexed Notes

24
Street Name Owners

53
Original Issue Discount Notes

24
Legal Holders

53
Payment of Principal, Interest, and Other Amounts Due

24
Special Considerations for Indirect Owners

53
No Sinking Fund

27
Depositories for Global Securities

54
Redemption

27
Special Considerations for Global Securities

58
Repayment

27
Registration, Transfer, and Payment of Certificated Securities
59
Repurchase

27
U.S. Federal Income Tax Considerations

60
Conversion

28
Taxation of Debt Securities

61
Exchange, Registration, and Transfer

28
Taxation of Common Stock, Preferred Stock, and Depositary
Subordination

28
Shares

73
Sale or Issuance of Capital Stock of Banks

29
Taxation of Warrants

78
Limitation on Mergers and Sales of Assets

30
Taxation of Purchase Contracts

78
Waiver of Covenants

30
Taxation of Units

79
Modification of the Indentures

30
Reportable Transactions

79
Meetings and Action by Securityholders

31
EU Directive on the Taxation of Savings Income

79
Events of Default and Rights of Acceleration

31
Plan of Distribution

81
Col ection of Indebtedness

31
Distribution Through Underwriters

81
Payment of Additional Amounts

32
Distribution Through Dealers

81
Redemption for Tax Reasons

34
Distribution Through Agents

82
Defeasance and Covenant Defeasance

35
Direct Sales

82
Notices

36
General Information

82
Concerning the Trustees

36
Market-Making Transactions by Affiliates

83
Governing Law

36
ERISA Considerations

84
Description of Warrants

36
Where You Can Find More Information

85
General

36
Forward-Looking Statements

86
Description of Debt Warrants

36
Legal Matters

87
Description of Universal Warrants

37
Experts

87
Modification

38
Enforceability of Rights of Warrantholders; No Trust Indenture
Act Protection

38
Unsecured Obligations

39

10 of 118
1/23/2012 4:08 PM