Exhibit 24 (a)

POWER OF ATTORNEY

KNOW ALL PERSONS BY THESE PRESENTS, that each of Bank of America Corporation and the several undersigned officers and directors whose signatures appear below, hereby makes, constitutes and appoints Craig T. Beazer, Lauren A. Mogensen and Edward P. O'Keefe, and each of them acting individually, its, his or her true and lawful attorneys with power to act without any other and with full power of substitution, to prepare, execute, deliver and file in its, his or her name and on its, his or her behalf, and in each of the undersigned officer's and director's capacity or capacities as shown below, an Annual Report on Form 10-K for the year ended December 31, 2011, and all exhibits thereto and all documents in support thereof or supplemental thereto, and any and all amendments or supplements to the foregoing, hereby ratifying and confirming all acts and things which said attorneys or attorney might do or cause to be done by virtue hereof.

IN WITNESS WHEREOF, Bank of America Corporation has caused this power of attorney to be signed on its behalf, and each of the undersigned officers and directors, in the capacity or capacities noted, has hereunto set his or her hand as of the date indicated below.

BANK OF AMERICA CORPORATION
By:	/s/ Brian T. Moynihan
	Brian T. Moynihan
	Chief Executive Officer and President

Dated: February 23, 2012

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Signature		Title	Date
/s/ Brian T. Moynihan		Chief Executive Officer,	February 23, 2012
Brian T. Moynihan		President and Director
		(Principal Executive Officer)
/s/ Bruce R. Thompson		Chief Financial Officer	February 23, 2012
Bruce R. Thompson		(Principal Financial Officer)
/s/ Neil A. Cotty		Chief Accounting Officer	February 23, 2012
Neil A. Cotty		(Principal Accounting Officer)
/s/ Mukesh D. Ambani		Director	February 23, 2012
Mukesh D. Ambani
/s/ Susan S. Bies		Director	February 23, 2012
Susan S. Bies
/s/ Frank P. Bramble, Sr.		Director	February 23, 2012
Frank P. Bramble, Sr.
/s/ Virgis W. Colbert		Director	February 23, 2012
Virgis W. Colbert
/s/ Charles K. Gifford		Director	February 23, 2012
Charles K. Gifford
/s/ Charles O. Holliday, Jr.		Director	February 23, 2012
Charles O. Holliday, Jr.
/s/ D. Paul Jones, Jr.		Director	February 23, 2012
D. Paul Jones, Jr.
/s/ Monica C. Lozano		Director	February 23, 2012
Monica C. Lozano
/s/ Thomas J. May		Director	February 23, 2012
Thomas J. May
/s/ Donald E. Powell		Director	February 23, 2012
Donald E. Powell
/s/ Charles O. Rossotti		Director	February 23, 2012
Charles O. Rossotti
/s/ Robert W. Scully		Director	February 23, 2012
Robert W. Scully