You are welcomed to apply. Your invoice of this material does not imply you have actually been prequalified or pre-approved for any item or service we provide. This is not a commitment to lend; you need to send extra information for evaluation and approval.

Merrill Lynch, Pierce, Fenner & Smith Inc., does not make commitments for or fund loans. Bank of America, N.A., (the "Bank") does not serve in a fiduciary capability with regard to all products or services. Fiduciary standards or fiduciary tasks do not use, for example, when the Bank is offering or providing credit options, banking or custody services or recommendations to other affiliates of the Bank.

1You are welcomed to look for a Home Equity Credit Line (HELOC). This is not a commitment to lend; you should send extra information for evaluation and approval.

The regard to a HELOC is 30 years: 10-year draw period, 20-year repayment period. Residential or commercial property insurance coverage is always needed and flood insurance coverage is required where required. Certain residential or commercial property types are not qualified collateral. If you choose the Interest Only Option, during the Draw Period the minimum monthly payment will be the quantity of accrued interest, plus any unpaid costs. Under the Amortizing Payment Option, the variable minimum month-to-month payment for both the Draw Period and the Repayment Period will be an amount enough to pay back the exceptional balance in principal and interest payments over the staying term at the relevant APR, based on a minimum payment of at least $100. The minimum line quantity is usually $25,000, however lines as low as $15,000 are readily available in certain places. Bank of America pays all closing expenses on lines up to and including $1,000,000.

2 Please consult your tax advisor regarding interest deductibility.

3 Fixed-Rate Loan Option at account opening: You may convert a withdrawal from your home equity credit line (HELOC) account into a Fixed-Rate Loan Option, resulting in repaired month-to-month payments at a fixed interest rate. The minimum HELOC amount that can be transformed at account opening into a Fixed-Rate Loan Option is $5,000 and the optimum amount that can be transformed is limited to 90% of the optimum line amount. The minimum loan term is 1 year, and the optimum term will not surpass the account maturity date.

Fixed-Rate Loan Option throughout loan term: You might transform all or a portion of your outstanding HELOC variable-rate balance to a Fixed-Rate Loan Option, leading to repaired monthly payments at a set interest rate. The minimum exceptional 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 exceed the account maturity date. No greater than three Fixed-Rate Loan Options might be open at one time. Rates for the Fixed-Rate Loan Option are generally higher than variable rates on the HELOC.

HELOC funds might not be utilized to buy, carry or trade securities or repay financial obligation sustained to buy, carry or trade securities.

4 Lower your interest rate when you established automated payments at account opening from your Bank of America checking or savings account; by drawing and maintaining an initial qualifying balance for a minimum of the first 3 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 subscription, in the Bank of America Preferred Rewards ® program if you have an active, qualified individual bank account with Bank of America ® and preserve the balance needed 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, qualifying Bank of America bank account (such as inspecting, savings, certificate of deposit) and/or your Merrill financial investment accounts (such as Cash Management Accounts, 529 Plans). You can please the combined balance requirement for registration with either:
1. a three-month combined average everyday balance in your certifying deposit and investment accounts, or
2. a present combined balance, supplied that you register at the time you open your first eligible individual bank account and please the balance requirement at the end of a minimum of one day within 1 month of opening that account.

Describe your Personal Schedule of Fees for information on accounts that certify towards the combined balance computation and get program benefits. Eligibility to enroll is usually available 3 or more company days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your registration, or for brand-new accounts within thirty days of account opening, unless we suggest otherwise. Bank of America Private Bank customers qualify to register in the Diamond Honors tier despite balances. Certain advantages are also offered without registering in Preferred Rewards if you please balance and other requirements. For details on Bank of America worker credentials requirements, please call Employee Financial Services or describe the Bank of America intranet website. Employees of business taking part in the Bank of America Employee Banking and Investing Program might be eligible to get involved on personalized terms. Refer to CEBI Program for details.

6 Preferred Rewards Home Equity Line of Credit. Home Equity Credit Line (HELOC) rate of interest discount rates are provided to customers who are registered or are qualified to register in Preferred Rewards, based upon their rewards tier at the submittal of home equity application (for co-borrowers, a minimum of one applicant needs to be registered or eligible to enlist). Amount of discount (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 rewards tier at the submittal of home equity application and is exempt to adjustment after the application is submitted. Benefit is non-transferable. Preferred Rewards home equity benefit can be integrated with specific other home equity interest rate discounts. Credit and security topic to approval. Terms and conditions apply. Programs, rates, conditions subject to alter without notification.

Banking, mortgage and home equity products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and entirely owned subsidiaries of Bank of America Corporation. Bank of America, N.A. Equal Housing Lender. Credit and security undergo approval. Terms apply. This is not a commitment to provide. Programs, rates, terms and conditions are subject to change without notice.