Document:

Amendment No. 2 to the Amended and Restated Declaration of Trust

 Exhibit 4.142 
 AMENDMENT NO. 2 
 TO 

AMENDED AND RESTATED 
 DECLARATION OF TRUST OF 
 BAC CAPITAL TRUST XII 

Dated as of November 10, 2011 
 AMENDMENT NO. 2, dated as of November 10, 2011 (“Amendment”), to the Amended and Restated Declaration of Trust of BAC CAPITAL TRUST XII (the “Trust”), dated as of July 26,
2006 (as amended, the “Declaration”), by and among the Regular Trustees signatory thereto (the “Regular Trustees”), THE BANK OF NEW YORK MELLON (formerly known as The Bank of New York) (the “Property Trustee”), BNY
MELLON TRUST OF DELAWARE (formerly known as The Bank of New York (Delaware)) (the “Delaware Trustee” and, together with the Regular Trustees, the Property Trustee and the Delaware Trustee, the “Trustees”), BANK OF AMERICA
CORPORATION, a Delaware corporation (the “Sponsor”), and by the holders, from time to time, of undivided beneficial interests in the assets of the Trust to be issued pursuant to the Declaration. Capitalized terms used but not defined
herein shall have the meanings ascribed thereto under the Declaration. 
 WHEREAS, pursuant to Section 12.1(a) of the
Declaration, the Sponsor and the Trustees may enter into a written instrument in order to amend the Declaration; 
 WHEREAS, the
Sponsor desires and hereby directs the Trustees to enter into this Amendment to amend certain provisions of the Declaration as provided herein (collectively, the “Declaration Amendments”); 

WHEREAS, the Declaration Amendments contained herein shall not adversely affect the interests of the Holders in any material respect;

 WHEREAS, the Sponsor has duly authorized the execution and delivery of this Amendment, subject to the terms and conditions
described herein; 
 WHEREAS, the Property Trustee has received an Officers’ Certificate pursuant to Section 12.1(b)
of the Declaration from each of the Sponsor and the Trust that this Amendment is permitted by, and conforms to, the terms of the Declaration (including the terms of the Securities); 

WHEREAS, the Property Trustee has received an opinion of counsel pursuant to Section 12.1(b) of the Declaration that this Amendment
is permitted by, and conforms to, the terms of the Declaration (including the terms of the Securities); 
 WHEREAS, the Sponsor
has requested that the Trustees execute and deliver this Amendment; 
 WHEREAS, all requirements necessary to make this
Amendment a valid and legally binding instrument in accordance with its terms and the terms of the Declaration have been duly satisfied and authorized in all respects. 
 NOW, THEREFORE, the Sponsor and the Trustees covenant and agree as follows: 

ARTICLE I 

Amendments to the Declaration 
 Section 1.01. Section 1.1 of the Declaration shall be amended to add the following new definitions in alphabetical order: 

“Exchange” has the meaning set forth in Section 6.2(a). 

  
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 “Liquidation Amount” means, with respect to Capital Securities or Common
Securities, the liquidation amount per Capital Security or Common Security, respectively, as set forth in Annex I hereto. 

“Sponsor Affiliated Holder” has the meaning set forth in Section 6.2(a). 

Section 1.02 Section 3.8(c)(ii) shall be amended and restated in its entirety so that, as amended and restated, it shall read
as follows: 
 (ii) engage in such ministerial activities as shall be necessary or appropriate to effect the redemption of the
Capital Securities and the Common Securities to the extent the Notes are redeemed or mature and to effect the Exchange of Capital Securities and Common Securities for Notes to the extent a Sponsor Affiliated Holder elects to effect such Exchange
pursuant to Section 6.2 hereof; and 
 Section 1.03 Article VI of the Declaration shall be entitled
“Distributions; Exchanges” and it shall be amended by adding the following as Section 6.2: 
 SECTION 6.2
Exchanges. 
 (a) If at any time the Sponsor or any of its Affiliates (in any such case, a “Sponsor Affiliated
Holder”) is the Holder of any Capital Securities or is a Capital Security Beneficial Owner, such Sponsor Affiliated Holder shall have the right to deliver to the Property Trustee all or such portion of its Capital Securities as it elects and,
subject to the terms of the Indenture, receive, in exchange therefor, Notes having an aggregate principal amount equal to the aggregate Liquidation Amount of the Capital Securities exchanged therefor (such an exchange being referred to herein as an
“Exchange”). Such election (i) shall be exercisable, and shall be effective on any Business Day, provided that such Business Day is not a record date or any date falling between a record date and a date on which the related
Distribution is payable, by such Sponsor Affiliated Holder delivering to the Property Trustee a written notice of such election specifying the aggregate Liquidation Amount of Capital Securities with respect to which such election is being made and
the date on which such Exchange shall occur, which date shall be not less than three (3) Business Days after the date of receipt by the Property Trustee of such election notice and (ii) shall be conditioned upon such Sponsor Affiliated
Holder having delivered or caused to be delivered to the Property Trustee or its designee the Capital Securities which are the subject of such election by 10:00 a.m. New York City time, on the date on which such Exchange is to occur. After the
Exchange, such Capital Securities shall be cancelled and shall no longer be deemed to be outstanding and all rights of the Sponsor Affiliated Holder with respect to such Capital Securities shall cease. So long as the Capital Securities are in
book-entry-only form, the delivery and the cancellation of the Capital Securities pursuant to this Section 6.2 shall be made in accordance with the customary procedures for the Clearing Agency for the Capital Securities. 

(b) In the case of an Exchange described in Section 6.2(a), the Trust shall, at the written request of the Sponsor, on the date of
such Exchange, exchange Notes having a principal amount equal to a proportional amount of the aggregate Liquidation Amount of the outstanding Common Securities, such proportional amount determined by multiplying the aggregate Liquidation Amount of
the outstanding Common Securities by the ratio of the aggregate Liquidation Amount of the Capital Securities exchanged pursuant to Section 6.2(a) to the aggregate Liquidation Amount of the Capital Securities outstanding immediately prior to
such Exchange, for such proportional amount of Common Securities held by the Sponsor (which contemporaneously shall be cancelled and no longer be deemed to be outstanding); provided, that the Sponsor delivers or causes to be delivered to the
Property Trustee or its designee the required amount of Common Securities to be exchanged by 10:00 a.m., New York City time, on the date on which such Exchange is to occur. 

  
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 ARTICLE II 
 Miscellaneous 
 Section 2.01 The Trustees accept the Declaration
Amendments set forth in this Amendment upon the terms and conditions set forth in the Declaration. The Trustees shall not be responsible or accountable in any manner whatsoever for or in respect of, and make no representation with respect to, the
validity or sufficiency of this Amendment or the due execution hereof by the Sponsor and shall not be responsible in any manner whatsoever for or in respect of the correctness of the recitals and statements contained herein, all of which recitals
and statements are made solely by the Sponsor. 
 Section 2.02 The Trustees have no duty to determine or otherwise monitor
whether any adjustments or actions set forth herein should be made, how they should be made or what they should be. The Trustees shall not be accountable for and make no representation as to the validity or value of any securities or assets issued
pursuant to the terms hereof. The Trustees shall not be responsible for the Sponsor’s failure to comply with the amendments set forth herein. 
 Section 2.03 The Declaration Amendments in this Amendment shall be effective as to, and binding upon the Holders of, all Securities outstanding as of the date hereof, as well as any and all
Securities hereafter issued. 
 Section 2.04 Except as hereby expressly modified, the Declaration is in all respects
ratified and confirmed and all the terms, conditions and provisions thereof shall remain in full force and effect. This Amendment shall take effect on the date hereof. 
 Section 2.05 Upon the effective date of this Amendment, entries in the Declaration’s table of contents and cross-references to provisions in the Declaration that have been amended as a result of
the Declaration Amendments shall be deemed amended. 
 Section 2.06 If any provision of this Amendment, or the application
of such provision to any Person or circumstance, shall be held invalid, the remainder of this Amendment, or the application of such provision to Persons or circumstances other than those to which it is held invalid, shall not be affected thereby.

 Section 2.07 This Amendment may contain more than one counterpart of the signature page and this Amendment may be
executed by the affixing of the signature of each of the Trustees to one of such counterpart signature pages. All of such counterpart signature pages shall be read as though one, and they shall have the same force and effect as though all of the
signers had signed a single signature page. 
 Section 2.08 This Amendment and the rights of the parties hereunder shall be
governed by and interpreted in accordance with the laws of the State of Delaware and all rights and remedies shall be governed by such laws without regard to the principles of conflict of laws. 

Section 2.09 Headings contained in this Amendment are inserted for convenience of reference only and do not affect the
interpretation of this Amendment or any provision hereof. 
 [SIGNATURE PAGE FOLLOWS] 

  
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 IN WITNESS WHEREOF, the undersigned have caused these presents to be executed as of the day
and year first above written. 
  

					
	BANK OF AMERICA CORPORATION,
	as Sponsor
		
	By:	 	 /s/ ANGELA C. JONES

		 	Name:	 	Angela C. Jones
		 	Title:	 	Senior Vice President
	
	 /s/ ANGELA C. JONES

	Angela C. Jones,
	as Regular Trustee
	
	 /s/ TIMOTHY L. PRATT

	Timothy L. Pratt,
	as Regular Trustee
	
	 /s/ LEONOR SUAREZ

	Leonor Suarez,
	as Regular Trustee
	
	THE BANK OF NEW YORK MELLON,
as Property Trustee
		
	By:	 	 /s/ THOMAS J. PROVENZANO

		 	Name:	 	Thomas J. Provenzano
		 	Title:	 	Vice President
	
	BNY MELLON TRUST OF DELAWARE,
as Delaware Trustee
		
	By:	 	 /s/ KRISTINE K. GULLO

		 	Name:	 	Kristine K. Gullo
		 	Title:	 	Vice President

 AMENDMENT NO. 2 TO A&R DECLARATION OF TRUST OF BAC CAPITAL TRUST XIIAmendment No. 1 to the Amended and Restated Declaration of Trust

 Exhibit 4.143 
 AMENDMENT NO. 1 
 TO 

AMENDED AND RESTATED 
 DECLARATION OF TRUST 
 OF 

BAC CAPITAL TRUST XIII 
 THIS AMENDMENT NO. 1 TO AMENDED AND RESTATED DECLARATION OF TRUST, dated and effective as of December 8, 2011 (this “Amendment”), is entered into among (i) Bank of America Corporation,
a Delaware corporation (including any successors or assigns, the “Sponsor”) and (ii) Angela C. Jones, Timothy L. Pratt and Leonor Suarez (and their respective successors), each an individual, whose addresses are c/o Bank of America
Corporation, 100 North Tryon Street, Charlotte, North Carolina, 28255, Attention: Corporate Treasury (each, a “Regular Trustee,” and collectively, the “Regular Trustees”), pursuant to Section 12.2(b) of the Amended and
Restated Declaration of Trust, dated February 16, 2007, of BAC Capital Trust XIII. 
 RECITAL OF THE SPONSOR

 WHEREAS, the Trustees have heretofore duly declared and established a statutory trust (the “Trust”), pursuant
to the Delaware Statutory Trust Act by entering into that certain Declaration of Trust, dated May 3, 2006 (the “Original Declaration of Trust”), as amended and restated by that certain Amended and Restated Declaration of Trust, dated
February 16, 2007 (the Original Declaration of Trust, as so amended and restated, the “Declaration”), and by the execution and filing with the Secretary of State of the State of Delaware of the Certificate of Trust attached to the
Declaration as Exhibit A (the “Certificate of Trust”); 
 WHEREAS, the Regular Trustees, the Sponsor (as the Holder of
all of the Common Securities) and the Holders representing at least a Majority in Liquidation Amount of the Outstanding HITS of each Affected Class have affirmatively consented to this Amendment in accordance with Section 12.2(b) of the
Declaration and the Regular Trustees have received and accepted the Opinion of Counsel contemplated thereby. 
 NOW, THEREFORE,
for and in consideration of the agreements and obligations set forth herein and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Declaration is hereby amended as follows: 

ARTICLE I 

DEFINED TERMS 

Section 1.1    Definitions. 
 Capitalized terms used in this Amendment and not otherwise defined shall have the respective meanings assigned thereto in the Declaration. 

ARTICLE II 

AMENDMENTS TO THE DECLARATION 
 Section 2.1    Amendment of Section 1.1 of the Declaration. 
 Section 1.1 of the Declaration is hereby amended as follows: 

 (a) The current definition of “Corresponding Assets” is deleted in its entirety
and replaced with the following: 
 ““Corresponding Assets” means, with respect to each $1,000 Liquidation Amount
of Trust Securities: 
 (a) in the case of Preferred HITS and Common Securities, (i) from the Time of Delivery to but not
including the Remarketing Settlement Date for a Successful Remarketing, $1,000 principal amount of Pledged Notes and a Pro Rata Interest in a Stock Purchase Contract, (ii) from and including the Remarketing Settlement Date for a Successful
Remarketing to but not including the Stock Purchase Date, the Bank of America Deposit made with the net proceeds of each $1,000 principal amount of Pledged Notes sold in such Successful Remarketing on such Remarketing Settlement Date and a Pro
Rata Interest in a Stock Purchase Contract, and (iii) from and including the Stock Purchase Date and thereafter for so long as Preferred HITS are outstanding, 1/100th of a share of Preferred Stock; 

(b) in the case of Treasury HITS, (i) from the date of issuance for each Treasury HITS to but not including the Stock Purchase Date,
$1,000 principal amount of Pledged Treasury Securities and a Pro Rata Interest in a Stock Purchase Contract, and (ii) from and including the Stock Purchase Date and thereafter for so long as Treasury HITS are outstanding, 1/100th of a
share of Preferred Stock, subject to Section 4.8; and 
 (c) in the case of Corporate HITS, from the date of issuance for
each Corporate HITS, $1,000 principal amount of Notes, subject to Section 5.14.” 
 (b) The current definition of
“Deferred Contract Payment Amount” is deleted in its entirety and replaced with the following: 
 ““Deferred
Contract Payment Amount” means, at any time for each $100,000 stated amount of Stock Purchase Contracts, the amount of the Contract Payments accrued on such stated amount that has been deferred and not paid by reason of the Sponsor’s
exercise of its right to defer payment of Contract Payments pursuant to Section 2.7 of the Stock Purchase Contract Agreement (including a comparable amount in respect of any Contract Payments deferred in respect of Fractional Contracts (as
defined in the Stock Purchase Contract Agreement)), together with interest accrued on such amount in accordance with the terms of the Stock Purchase Contract Agreement.” 
 (c) The current definition of “Like Amount” is deleted in its entirety and replaced with the following: 
 ““Like Amount” means: 
 (a) with respect to a distribution of Notes
to Holders of Preferred HITS, Corporate HITS or Common Securities in connection with a dissolution or liquidation of the Trust or a redemption in kind of Corporate HITS pursuant to Section 4.2(c), Notes having a principal amount equal to the
Liquidation Amount of the Trust Securities of the Holder to whom such Notes are distributed; 
 (b) with respect to a
distribution of Notes to a Third Party Agent or the Sponsor in connection with an early retirement of Preferred HITS or Common Securities pursuant to Section 4.9, Notes having a principal amount equal to the Liquidation Amount of the applicable
Subject Preferred HITS or Subject Common Securities, as the case may be; 

  
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 (c) with respect to a distribution of Stock Purchase Contracts to a Third Party Agent or the
Sponsor in connection with an early retirement of Preferred HITS or Common Securities pursuant to Section 4.9, the number of Stock Purchase Contracts equal to the number of Subject Stock Purchase Contracts (as defined in the Stock Purchase
Contract Agreement); 
 (d) with respect to a distribution of Pledged Treasury Securities to Holders of Treasury HITS in
connection with a dissolution or liquidation of the Trust, Pledged Treasury Securities having a principal amount equal to the Liquidation Amount of the Treasury HITS to whom such Pledged Treasury Securities are distributed; 

(e) with respect to a distribution of Preferred Stock or fractional interests in Preferred Stock to Holders of Trust Securities in
connection with a dissolution or liquidation of the Trust, Preferred Stock or a fractional interest in a share of Preferred Stock (which may be effected by the Trust through the creation of depositary shares) having a liquidation preference equal to
the Liquidation Amount of the Trust Securities of the Holder to whom such shares of Preferred Stock or a fractional interest in a share of Preferred Stock (including through a depositary share) are distributed; 

(f) with respect to a redemption of Preferred Stock, 1/100th of a share of Preferred Stock for each Preferred HITS or Common Security;

 (g) with respect to an Exchange of Preferred HITS and Qualifying Treasury Securities for Treasury HITS and Corporate HITS
pursuant to Section 5.13(b), a number of Treasury HITS and a number of Corporate HITS in each case equal to the number of Preferred HITS included in such Exchange (e.g., if 1,000 Preferred HITS are being Exchanged, the Holder will receive 1,000
Treasury HITS and 1,000 Corporate HITS in accordance with and subject to Section 5.13); 
 (h) with respect to an Exchange
of Treasury HITS and Corporate HITS for Preferred HITS and Qualifying Treasury Securities, a number of Preferred HITS equal to the number of Treasury HITS and the number of Corporate HITS being Exchanged (e.g., if 1,000 Treasury HITS and 1,000
Corporate HITS are being Exchanged, the Holder will receive upon the Exchange 1,000 Preferred HITS together with $1,000,000 principal amount of Qualifying Treasury Securities released from the Pledge, in accordance with and subject to
Section 5.13(e)); 
 (i) with respect to Notes (including Pledged Notes as applicable) being deposited or delivered in
connection with an Exchange, Notes having a principal amount equal to $1,000 for each Preferred HITS involved in the Exchange; 

(j) with respect to Section 5.16(c), $1,000 principal amount of Notes for each $1,000 Liquidation Amount of HITS of each Affected
Class; and 
 (k) with respect to Section 5.16(d), 1/100th of a Stock Purchase Contract with a stated amount of $100,000
for each $1,000 Liquidation Amount of HITS of the Affected Classes (or a comparable interest in the case of a Fractional Contract).” 
 (d) The current definition of “Notes” is deleted in its entirety and replaced with the following: 
 ““Notes” means the $700,100,000 initial aggregate principal amount of the Sponsor’s Remarketable Junior Subordinated Notes due 2043 issued pursuant to the Indenture, or such lesser
aggregate principal amount as shall remain outstanding from time to time.” 
 (e) The following definition of “Pro
Rata Interest in a Stock Purchase Contract” is added: 

  
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 ““Pro Rata Interest in a Stock Purchase Contract” means, with respect to each
$1,000 Liquidation Amount of Trust Securities, an interest in a Stock Purchase Contract representing the right to acquire a 1/100th interest in a share of Preferred Stock, together with such other rights, privileges, obligations and responsibilities
associated with such Stock Purchase Contract (including the right to receive Contract Payments), in each case, on the terms and conditions set forth in such Stock Purchase Contract.” 

(f) The following definition of “Sponsor Affiliated Owner” is added: 

““Sponsor Affiliated Owner” means the Sponsor, its Affiliates or any other Person designated by the Sponsor.”

 (g) The current definition of “Stock Purchase Contract Agreement” is deleted in its entirety and replaced with the
following: 
 ““Stock Purchase Contract Agreement” means the Stock Purchase Contract Agreement, dated as of the
date hereof, between the Sponsor and the Property Trustee (acting on behalf of the Trust), as the same may be amended from time to time.” 
 (h) The current definition of “Trust Property” is deleted in its entirety and replaced with the following: 
 ““Trust Property” means (a) the Notes for so long as they are owned by the Trust in accordance with this Declaration, (b) the Stock Purchase Contracts for so long as they are
owned by the Trust in accordance with this Declaration, (c) the Preferred Stock once acquired by the Trust pursuant to the Stock Purchase Contracts, (d) treasury securities (that are required to be Qualifying Treasury Securities when
delivered) delivered to the Property Trustee (or the Collateral Agent) pursuant to Section 5.13 or Section 5.14, (e) the rights of the Trust under the Transaction Agreements, and (f) all proceeds and rights in respect of the
foregoing and any other property and assets for the time being held or deemed to be held by the Trust or the Property Trustee on behalf of the Trust pursuant to the Declaration.” 

(i) The following definition of “Third-Party Agent” is added: 

““Third-Party Agent” has the meaning specified in Section 4.9.” 

(j) The following definition of “Subject Common Securities” is added: 

““Subject Common Securities” has the meaning specified in Section 4.9.” 

(k) The following definition of “Subject Preferred HITS” is added: 

““Subject Preferred HITS” has the meaning specified in Section 4.9.” 

(l) The following definition of “Sponsor Affiliated Preferred HITS” is added: 

““Sponsor Affiliated Preferred HITS” has the meaning specified in Section 4.9.” 

(m) The following definition of “Retirement Date” is added: 

““Retirement Date” has the meaning specified in Section 4.9.” 

  
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 (n) The following definition of “Retirement Notice” is added: 

““Retirement Notice” has the meaning specified in Section 4.9.” 

Section 2.2    Amendment of Section 2.4(c) of the Declaration. 

The current Section 2.4(c) of the Declaration is deleted in its entirety and replaced with the following: 

“(c) In order to give effect to (i) Exchanges as provided in Section 5.13 or (ii) the retirement of Preferred HITS as
provided in Section 4.9, the Securities Registrar may endorse Book-Entry HITS Certificates to reduce or increase the number of Preferred HITS, Treasury HITS or Corporate HITS evidenced by each such Book-Entry HITS Certificate, provided that no
such endorsement shall result in a Book-Entry HITS Certificate evidencing a number of Preferred HITS, Treasury HITS or Corporate HITS exceeding the maximum number set forth on the face of such Certificate.” 

Section 2.3    Amendment of Section 2.7(a)(i) of the Declaration. 

A new clause (M) is hereby added to Section 2.7(a)(i) of the Declaration as follows: 

“(M) the taking of any action in connection with the retirement of Preferred HITS or Common Securities in accordance with
Section 4.9 of this Declaration.” 
 Section 2.4    Amendment of Section 2.7(a)(ii) of the
Declaration. 
 A new clause (Q) is hereby added to Section 2.7(a)(ii) of the Declaration as follows: 

“(Q) the taking of any action in connection with the retirement of Preferred HITS or Common Securities in accordance with
Section 4.9 of this Declaration.” 
 Section 2.5    Amendment of Article IV of the Declaration.

 A new Section 4.9 is hereby added to Article IV of the Declaration as follows: 

“Section 4.9 Retirement of Certain Preferred HITS and Common Securities. 

(a) If at any time a Sponsor Affiliated Owner acquires or becomes obligated to acquire Preferred HITS pursuant to contract, a negotiated
transfer or any other transaction (such Preferred HITS, the “Sponsor Affiliated Preferred HITS”), the Sponsor shall have the right to submit a notice (the “Retirement Notice”) to the Property Trustee and the Securities Registrar
electing to retire all or a portion of such Sponsor Affiliated Preferred HITS (the “Subject Preferred HITS”) through the exchange of such Subject Preferred HITS for a Like Amount of Notes and Stock Purchase Contracts. The Retirement Notice
(i) shall specify the Liquidation Amount of the Subject Preferred HITS with respect to which such election is being made and the date on which the proposed retirement is to occur (the “Retirement Date”) (which, without the consent of
the Property Trustee and the Securities Registrar, shall not be less than 3 Business Days following the date that such Retirement Notice is so submitted), provided that such Retirement Date shall not be a date within the period beginning with the
record date for a Distribution and ending with the applicable Distribution Date for such Distribution, (ii) shall be conditioned upon the applicable Sponsor Affiliated Owner having delivered or caused to be delivered to the Securities Registrar
or its designee the Subject Preferred HITS by 12:00 noon, New York City time, on the Retirement Date through the Clearing Agency and (iii) shall designate the Third-Party Agent (as defined below). Upon the delivery of the Subject Preferred

  
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HITS to the Securities Registrar or its designee on the Retirement Date, the Securities Registrar will provide written notice thereof to the Property Trustee and the Collateral Agent and the
Collateral Agent shall release Pledged Notes of a Like Amount from the Pledge and deliver them to the Property Trustee who shall distribute a Like Amount of Notes and Stock Purchase Contracts to the Sponsor Affiliated Owner designated by the Sponsor
in the Retirement Notice (the “Third-Party Agent”) in the manner directed by the Sponsor to the Property Trustee in writing. Following the exchange of Subject Preferred HITS for a Like Amount of Notes and Stock Purchase Contracts, the
Securities Registrar shall cancel the Subject Preferred HITS and such Subject Preferred HITS will no longer be Outstanding for any purpose and all rights of the Holder or its Affiliate(s) with respect to such Subject Preferred HITS will cease,
including, but not limited to, any rights with respect to accumulated but unpaid Distributions. 
 (b) In the event the Sponsor
elects to retire Subject Preferred HITS pursuant to Section 4.9(a), the Trust will, upon the prior written request of the Sponsor, on the Retirement Date for such Subject Preferred HITS, retire the Liquidation Amount of Outstanding Common
Securities held by the Sponsor equal to the product of (i) the total number of Common Securities held by the Sponsor immediately prior to such retirement and (ii) the quotient of the aggregate Liquidation Amount of the applicable Subject
Preferred HITS and the aggregate Liquidation Amount of all Preferred HITS Outstanding immediately prior to such retirement, with such product being rounded to the nearest $1,000 (where rounding is applicable) (the “Subject Common
Securities”), through the exchange of such Subject Common Securities for a Like Amount of Notes and Stock Purchase Contracts; provided, that the Sponsor delivers or causes to be delivered to the Securities Registrar or its designee the
Subject Common Securities by 12:00 noon, New York City time, on such Retirement Date. Upon the delivery of the Subject Common Securities to the Securities Registrar or its designee on the Retirement Date, the Securities Registrar will provide
written notice thereof to the Property Trustee and the Collateral Agent and the Collateral Agent shall release Pledged Notes of a Like Amount from the Pledge and deliver them to the Property Trustee who shall distribute a Like Amount of Notes and
Stock Purchase Contracts to the Sponsor in the manner directed by the Sponsor to the Property Trustee in writing. Following the exchange of Subject Common Securities for a Like Amount of Notes and Stock Purchase Contracts, the Securities Registrar
shall cancel the Subject Common Securities and such Subject Common Securities will no longer be Outstanding for any purpose and all rights of Sponsor with respect to such Subject Common Securities will cease, including, but not limited to, any
rights with respect to accumulated but unpaid Distributions. 
 (c) Notwithstanding anything else in this Declaration to the
contrary, in order to effectuate the exchanges contemplated by this Section 4.9, the Trust is hereby authorized to execute, deliver and perform, and the Sponsor, the Securities Registrar, the Property Trustee or any Regular Trustee on behalf of
the Trust, acting singly or collectively, is hereby authorized to execute and deliver on behalf of the Trust, exchange agreements, cancellation letters, and any and all other documents, agreements, or certificates contemplated by or related to the
exchanges, retirements and cancellations and other matters made or contemplated pursuant to this Section 4.9, including any amendments to any of the Transaction Agreements, in each case without further vote or approval of any other
Person.” 
 Section 2.6 Amendment of Section 5.10 of the Declaration. 

The current Section 5.10 of the Declaration is deleted in its entirety and replaced with the following: 

“(a) At the Time of Delivery, the Sponsor shall acquire beneficial and record ownership of the Common Securities. To the fullest
extent permitted by law, other than a transfer in connection with a consolidation or merger of the Sponsor into another Person, or any conveyance, transfer or lease by the Sponsor of its properties and assets substantially as an entirety to any
Person pursuant to 

  
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Section 10.01 of the Base Indenture, any attempted transfer of the Common Securities other than to a direct or indirect subsidiary of the Sponsor or pursuant to Section 4.9 shall be
void. The Regular Trustees shall cause each Common Securities Certificate issued to the Sponsor to contain a legend consistent with this Section 5.10. 
 (b) A Common Securities Certificate representing the Common Securities Outstanding from time to time shall be issued to the Sponsor in the form of a definitive Common Securities Certificate.”

 Section 2.7 Amendment of Section 5.11(b) of the Declaration. 

The current Section 5.11(b) of the Declaration is deleted in its entirety and replaced with the following: 

“(b) Any Book-Entry HITS Certificate shall represent such number of the Outstanding HITS of the applicable Class as shall be
specified therein and may provide that it shall represent the aggregate number of Outstanding HITS of the applicable Class from time to time endorsed thereon and that the aggregate number of Outstanding HITS of the applicable Class represented
thereby may from time to time be reduced or increased, as appropriate, to reflect transfers, redemptions, exchanges (including the Exchanges pursuant to Section 5.13) or cancellations (pursuant to Section 4.9). Any endorsement of a
Book-Entry HITS Certificate to reflect the number, or any increase or decrease in the number, of Outstanding HITS of the applicable Class represented thereby shall be made by the Securities Registrar (i) in such a manner and upon instructions
given by such Person or Persons as shall be specified in such HITS of the applicable Class or in a Sponsor order to be delivered to the Securities Registrar pursuant to Section 5.3 or (ii) otherwise in accordance with written instructions
or such other written form or instructions as is customary for the Clearing Agency for such HITS, from such Clearing Agency or its nominee on behalf of any Person having a beneficial interest in such Book-Entry HITS Certificate. Subject to the
provisions of Section 5.4, the Securities Registrar shall deliver and redeliver any Book-Entry HITS Certificate in the manner and upon instructions given by the Person or Persons specified in such Book-Entry HITS Certificate or in the
applicable Sponsor order (and a Regular Trustee shall execute such Book-Entry HITS Certificate as shall be necessary in order to give effect to the foregoing).” 
 Section 2.8 Amendment of Section 6.1(c) of the Declaration. 
 The current Section 6.1(c) of the Declaration is deleted in its entirety and replaced with the following: 
 “(c) For so long as any Stock Purchase Contracts are outstanding, the Trustees may consent to any amendment to or modification of the Stock Purchase Contract Agreement or the Collateral Agreement,
without having obtained the prior approval of the Holders of any HITS to such amendment or modification, for the purposes of (i) evidencing the succession of another person to the Trust’s or the Property Trustee’s obligations
thereunder, (ii) adding to the covenants therein for the benefit of the Trust or the Property Trustee or to surrender any of the Sponsor’s rights or powers thereunder, (iii) evidencing and providing for the acceptance of appointment
of a successor Collateral Agent, Custodial Agent or Securities Intermediary under the Collateral Agreement, (iv) curing any ambiguity, or correcting or supplementing any provisions that may be inconsistent, (v) conforming the terms of the
Stock Purchase Contract Agreement or the Collateral Agreement, to the descriptions thereof in the Prospectus, (vi) retiring HITS held by a Sponsor Affiliated Owner or HITS with respect to which a Sponsor Affiliated Owner has an obligation to
purchase or retiring Common Securities pursuant to Section 4.9, or (vii) making any other provisions with respect to such matters or questions, provided that such action pursuant to clauses (iv) and (vii) shall not adversely

  
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affect the interest of the Holders of HITS of any Class in any material respect. The Trustees may, with the consent of the Holders of not less than a Majority in Liquidation Amount of the
Preferred HITS and Treasury HITS then Outstanding, considered together as a single Class, agree to any other amendment to or modification of the Stock Purchase Contract Agreement or the Collateral Agreement, except that, without obtaining the prior
written consent of each Holder of Preferred HITS and Treasury HITS then Outstanding, the Trustees may not agree to any amendment or modification (other than an amendment or modification for the purpose of retiring HITS held by a Sponsor Affiliated
Owner or HITS with respect to which a Sponsor Affiliated Owner has an obligation to purchase, or retiring Common Securities pursuant to Section 4.9) that would (A) change any payment dates for Contract Payments, (B) change the amount
or type of Pledged Notes or Pledged Treasury Securities required to be pledged under the Collateral Agreement, impair the right of the Property Trustee (on behalf of the Trust) to receive distributions on Pledged Notes or Pledged Treasury Securities
or otherwise adversely affect the Trust’s rights in or to the Pledged Notes or Pledged Treasury Securities, (C) change the place or currency or reduce any Contract Payments, (D) impair the Property Trustee’s right (or any
Holder’s right pursuant to Section 5.16(d)) to institute suit for the enforcement of the Stock Purchase Contracts or payment of any Contract Payments, or (E) reduce the number of shares of Preferred Stock purchasable under the Stock
Purchase Contracts, increase the price to purchase Preferred Stock upon settlement of the Stock Purchase Contracts, change the Stock Purchase Date or otherwise adversely affect the Trust’s rights under the Stock Purchase Contracts.”

 Section 2.9 Amendment of Section 12.2(a) of the Declaration. 

The current Section 12.2(a) of the Declaration is deleted in its entirety and replaced with the following: 

“(a) This Declaration may be amended from time to time by the Regular Trustees and the Holders of all of the Common Securities,
without the consent of any Holder of HITS, the Property Trustee or the Delaware Trustee (i) to cure any ambiguity, correct or supplement any provision herein that may be inconsistent with any other provision herein, or to make any other
provisions with respect to matters or questions arising under this Declaration, which shall not be inconsistent with the other provisions of this Declaration, (ii) to modify, eliminate or add to any provisions of this Declaration to such extent
as shall be necessary to ensure that the Trust will not be taxable as a corporation or classified as a partnership for U.S. federal income tax purposes at all times that any Trust Securities are outstanding, to ensure that the Trust will not be
required to register as an “investment company” under the Investment Company Act or to ensure the treatment of the HITS as Tier 1 regulatory capital under the prevailing Federal Reserve rules and regulations, (iii) to provide that
HITS Certificates may be executed by a Regular Trustee by facsimile signature instead of manual signature, in which case such amendment(s) shall also provide for the appointment by the Sponsor of an authentication agent, the fees and expenses of
which will be paid by the Sponsor, a form of authentication certificate, and provisions to the effect that HITS Certificates that have been executed by a Regular Trustee by facsimile signature shall not be entitled to any benefit under the
Declaration or be valid or obligatory for any purpose unless the certificate of authentication thereon has been executed by the authentication agent by manual signature, (iv) to conform the terms of this Declaration to the description of this
Declaration and the Trust Securities in the Prospectus, or (v) to provide for the retirement of HITS held by a Sponsor Affiliated Owner or HITS with respect to which a Sponsor Affiliated Owner has an obligation to purchase or the retirement of
Common Securities pursuant to Section 4.9; provided, however, that in the case of either clause (i) or (ii), such action shall not adversely affect in any material respect the interests of any Holder, the Property Trustee or the Delaware
Trustee; provided, further, that in the case of clause (iv), the Sponsor shall deliver to the Property Trustee an Officers’ Certificate and an Opinion of Counsel (who may be 

  
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counsel to the Sponsor or the Trust), in each case confirming that such amendment has the effect of conforming the terms of this Declaration to the descriptions of this Declaration and the Trust
Securities in the Prospectus. Any such amendment shall become effective when notice is given to the Property Trustee and the Holders of the HITS.” 
 ARTICLE III 
 MISCELLANEOUS 

Section 3.1 Separability Clause. 
 In case any provision in the Declaration, as amended by this Amendment, shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any
way be affected or impaired thereby. 
 Section 3.2 Governing Law. 

This Amendment shall be governed by and construed in accordance with the laws of the State of Delaware (without regard to conflicts of
laws principles). 
 Section 3.3 Successors and Assigns. 

All covenants and agreements in the Declaration, as amended by this Amendment, by each party thereto shall bind its successors and
assigns, whether so expressed or not. 
 Section 3.4 Effect of Headings. 

The Article and Section headings herein are for convenience only and shall not affect the construction hereof. 

Section 3.5 Trust Indenture Act; Conflict with Trust Indenture Act. 

If any provision of the Declaration, as amended by this Amendment, limits, qualifies or conflicts with a provision of the Trust Indenture
Act that is required under the Trust Indenture Act to be a part of and govern the Declaration, as amended by this Amendment, the latter provision shall control. If any provision of the Declaration, as amended by this Amendment, modifies or excludes
any provision of the Trust Indenture Act that may be so modified or excluded, the latter provision shall be deemed to apply to the Declaration, as amended by this Amendment, as so modified or to be excluded, as the case may be. 

* * * * 
 This
Amendment may be executed in any number of counterparts, each of which so executed shall be deemed to be an original, but all such counterparts shall together constitute but one and the same instrument. 

[Signature page follows] 

  
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 IN WITNESS WHEREOF, this Amendment has been executed and is effective as of the day
and year first above written. 
  

					
	BANK OF AMERICA CORPORATION,
	as Sponsor and Holder of all of the Common Securities
		
	By:	 	 /s/ ANGELA C. JONES

		 	Name:	 	Angela C. Jones
		 	Title:	 	Senior Vice President
	
	 /s/ ANGELA C. JONES

	Angela C. Jones,
	as Regular Trustee
	
	 /s/ TIMOTHY L. PRATT

	Timothy L. Pratt,
	as Regular Trustee
	
	 /s/ LEONOR SUAREZ

	Leonor Suarez,
	as Regular Trustee

 [SIGNATURE PAGE TO BAC CAPITAL TRUST XIII 

AMENDMENT NO. 1 TO AMENDED AND RESTATED 
 DECLARATION OF TRUST] 

  
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