You are invited to apply. Your receipt of this material does not mean you have been prequalified or pre-approved for any service or product we provide. This is not a dedication to provide; you should send additional information for review and approval.

Merrill Lynch, Pierce, Fenner & Smith Inc., does not make dedications for or fund loans. Bank of America, N.A., (the "Bank") does not serve in a fiduciary capacity with respect to all service or products. Fiduciary requirements or fiduciary responsibilities do not use, for example, when the Bank is using or offering credit services, banking or custody services or referrals to other affiliates of the Bank.

1You are welcomed to request a Home Equity Line of Credit (HELOC). This is not a commitment to provide; you should send additional info for review and approval.

The regard to a HELOC is 30 years: 10-year draw duration, 20-year payment period. Residential or commercial property insurance is constantly required and flood insurance coverage is required where essential. Certain residential or commercial property types are not qualified security. If you choose the Interest Only Option, throughout the Draw Period the minimum monthly payment will be the quantity of accumulated interest, plus any unpaid fees. Under the Amortizing Payment Option, the variable minimum regular monthly payment for both the Draw Period and the Repayment Period will be an amount sufficient to repay the exceptional balance in principal and interest payments over the staying term at the appropriate APR, based on a minimum payment of at least $100. The minimum line amount is normally $25,000, but lines as low as $15,000 are offered in certain areas. Bank of America pays all closing expenses on lines up to and including $1,000,000.

2 Please consult your tax consultant relating to interest deductibility.

3 Fixed-Rate Loan Option at account opening: You might convert a withdrawal from your home equity line of credit (HELOC) account into a Fixed-Rate Loan Option, leading to fixed monthly payments at a fixed rate of interest. The minimum HELOC quantity that can be converted at account opening into a Fixed-Rate Loan Option is $5,000 and the maximum quantity that can be converted is restricted to 90% of the optimum line quantity. The minimum loan term is 1 year, and the maximum term will not surpass the account maturity date.

Fixed-Rate Loan Option during loan term: You may transform all or a part of your impressive HELOC variable-rate balance to a Fixed-Rate Loan Option, resulting in fixed regular monthly payments at a fixed rate of interest. The minimum impressive balance that can be transformed into a Fixed-Rate Loan Option is $5,000 from an existing HELOC account. The minimum loan term is 1 year, and the optimum term will not surpass the account maturity date. No more than 3 Fixed-Rate Loan Options might be open at one time. Rates for the Fixed-Rate Loan Option are generally greater than variable rates on the HELOC.

HELOC funds may not be utilized to buy, carry or trade securities or pay back debt sustained to acquire, carry or trade securities.

4 Lower your rates of interest when you set up automatic payments at account opening from your Bank of America inspecting or savings account; by drawing and keeping an initial qualifying balance for at least the very first three billing cycles; and when you're enrolled in Bank of America's Preferred Rewards program at the time of application submission.

5 Preferred Rewards Program Eligibility: You can register, and preserve your membership, in the Bank of America Preferred Rewards ® program if you have an active, eligible individual checking account with Bank of America ® and preserve the balance required for among the balance tiers. The balance tiers are $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier and $1,000,000 for the Diamond Honors tier. Balances include your combined, certifying Bank of America bank account (such as inspecting, cost savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). You can please the combined balance requirement for registration with either:
1. a three-month integrated average daily balance in your certifying deposit and financial investment accounts, or
2. a current combined balance, offered that you enroll at the time you open your very first qualified individual bank account and please the balance requirement at the end of at least one day within one month of opening that account.

Refer to your Personal Schedule of Fees for details on accounts that qualify towards the combined balance estimation and get program advantages. Eligibility to enlist is typically available three or more company days after the end of the calendar month in which you satisfy the requirements. Benefits become efficient within 30 days of your enrollment, or for brand-new accounts within 1 month of account opening, unless we suggest otherwise. Bank of America Private Bank customers qualify to register in the Diamond Honors tier regardless of balances. Certain benefits are likewise offered without registering in Preferred Rewards if you please balance and other requirements. For information on Bank of America employee qualification requirements, please call Employee Financial Services or describe the Bank of America intranet site. Employees of companies taking part in the Bank of America Employee Banking and Investing Program might be qualified to participate on customized terms. Refer to CEBI Program for details.

6 Preferred Rewards Home Equity Credit Line. Home Equity Credit Line (HELOC) rate of interest discount rates are offered to clients who are registered or are qualified to enroll in Preferred Rewards, based on their benefits tier at the submittal of home equity application (for co-borrowers, a minimum of one applicant must be registered or qualified to register). Amount of discount rate (0.125% for Gold tier, 0.250% for Platinum tier, 0.375% for Platinum Honors tier, and 0.625% for Diamond Honors tier) is based on the benefits tier at the submittal of home equity application and is not subject to modification after the application is sent. Benefit is non-transferable. Preferred Rewards home equity benefit can be integrated with particular other home equity interest rate discounts. Credit and security subject to approval. Terms use. Programs, rates, conditions subject to change without notification.

Banking, mortgage and home equity products are offered by Bank of America, N.A., and associated banks, Members FDIC and completely owned subsidiaries of Bank of America Corporation. Bank of America, N.A. Equal Housing Lender. Credit and security are subject to approval. Terms use. This is not a dedication to lend. Programs, rates, terms are subject to alter without notification.