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, 2010, 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.

Dated: February 25, 2011

Signature		Title		Date
/s/ Brian T. Moynihan   Brian T. Moynihan		Chief Executive Officer, President and Director (Principal Executive Officer)		February 25, 2011
/s/ Charles H. Noski   Charles H. Noski		Chief Financial Officer  (Principal Financial Officer)		February 25, 2011
/s/ Neil A. Cotty   Neil A. Cotty		Chief Accounting Officer  (Principal Accounting Officer)		February 25, 2011
/s/ Susan S. Bies   Susan S. Bies		Director		February 25, 2011
/s/ William P. Boardman   William P. Boardman		Director		February 25, 2011
/s/ Frank P. Bramble, Sr.   Frank P. Bramble, Sr.		Director		February 25, 2011
/s/ Virgis W. Colbert   Virgis W. Colbert		Director		February 25, 2011
/s/ Charles K. Gifford   Charles K. Gifford		Director		February 25, 2011
/s/ Charles O. Holliday, Jr.   Charles O. Holliday, Jr.		Director		February 25, 2011
/s/ D. Paul Jones, Jr.   D. Paul Jones, Jr.		Director		February 25, 2011
/s/ Monica C. Lozano   Monica C. Lozano		Director		February 25, 2011

Signature		Title		Date
/s/ Thomas J. May   Thomas J. Ma		Director		February 25, 2011
/s/ Donald E. Powell   Donald E. Powell		Director		February 25, 2011
/s/ Charles O. Rossotti   Charles O. Rossotti		Director		February 25, 2011
/s/ Robert W. Scully   Robert W. Scully		Director		February 25, 2011