You are welcomed to use. Your invoice of this material does not suggest you have been prequalified or pre-approved for any product or service we provide. This is not a dedication to lend; you must submit extra details 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 capability with regard to all product and services. Fiduciary standards or fiduciary tasks do not apply, for instance, when the Bank is offering or offering credit solutions, banking or custody services or referrals to other affiliates of the Bank.

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

The regard to a HELOC is 30 years: 10-year draw duration, 20-year repayment duration. Residential or commercial property insurance is constantly required and flood insurance is needed where necessary. Certain residential or commercial property types are not eligible collateral. If you choose the Interest Only Option, during the Draw Period the minimum month-to-month payment will be the quantity of accrued interest, plus any unsettled costs. Under the Amortizing Payment Option, the variable minimum month-to-month payment for both the Draw Period and the Repayment Period will be a quantity adequate to pay back the outstanding balance in principal and interest payments over the remaining term at the appropriate APR, subject to a minimum payment of a minimum of $100. The minimum line amount is normally $25,000, but lines as low as $15,000 are readily available in particular locations. Bank of America pays all closing costs on lines up to and including $1,000,000.

2 Please consult your tax consultant concerning interest deductibility.

3 Fixed-Rate Loan Option at account opening: You might convert a withdrawal from your home equity credit line (HELOC) account into a Fixed-Rate Loan Option, leading to repaired month-to-month payments at a fixed interest rate. The minimum HELOC quantity 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 maximum line amount. The minimum loan term is 1 year, and the optimum term will not surpass the account maturity date.

Fixed-Rate Loan Option during loan term: You might convert all or a portion of your impressive HELOC variable-rate balance to a Fixed-Rate Loan Option, resulting in fixed regular monthly payments at a set 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 maximum term will not surpass the account maturity date. No greater than 3 Fixed-Rate Loan Options may be open at one time. Rates for the Fixed-Rate Loan Option are normally higher than variable rates on the HELOC.

HELOC funds may not be utilized to buy, carry or trade securities or pay back financial obligation incurred to purchase, bring or trade securities.

4 Lower your rates of interest when you set up automated payments at account opening from your Bank of America examining or savings account; by drawing and maintaining an initial qualifying balance for at least the 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 enlist, and maintain your subscription, in the Bank of America Preferred Rewards ® program if you have an active, eligible individual bank account with Bank of America ® and preserve the balance required for one of 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 checking, 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 enrollment with either:
1. a three-month combined typical everyday balance in your certifying deposit and financial investment accounts, or
2. a present combined balance, supplied that you enlist at the time you open your very first qualified personal bank account and satisfy 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 certify towards the combined balance calculation and get program benefits. Eligibility to enroll is generally available 3 or more business days after completion of the calendar month in which you please the requirements. Benefits end up being reliable within 1 month of your enrollment, or for new accounts within 1 month of account opening, unless we show otherwise. Bank of America Private Bank customers qualify to register in the Diamond Honors tier despite balances. Certain benefits are also offered without enrolling in Preferred Rewards if you satisfy balance and other requirements. For information on Bank of America employee certification 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 eligible to participate on personalized terms. Refer to CEBI Program for information.

6 Preferred Rewards Home Equity Credit Line. Home Equity Line of Credit (HELOC) rate of interest discounts are offered to clients who are enrolled or are eligible to register in Preferred Rewards, based on their rewards tier at the submittal of home equity application (for co-borrowers, at least one applicant must be enrolled or qualified to enlist). 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 rewards tier at the submittal of home equity application and is exempt to modification after the application is submitted. Benefit is non-transferable. Preferred Rewards home equity advantage can be combined with certain other home equity rate of interest discounts. Credit and collateral subject to approval. Terms and conditions apply. Programs, rates, conditions subject to change 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 collateral undergo approval. Conditions use. This is not a commitment to lend. Programs, rates, terms are subject to alter without notification.