You are welcomed to use. Your receipt of this material does not mean you have been prequalified or pre-approved for any services or product we use. This is not a dedication to provide; you must submit extra information for review 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 respect to all services or products. Fiduciary requirements or fiduciary tasks do not apply, for example, 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 make an application for a Home Equity Line of Credit (HELOC). This is not a dedication to lend; you should submit additional details for review and approval.

The regard to a HELOC is 30 years: 10-year draw duration, 20-year payment duration. Residential or commercial property insurance is always needed and flood insurance is required where necessary. Certain residential or commercial property types are not eligible security. If you select the Interest Only Option, throughout the Draw Period the minimum month-to-month payment will be the quantity of accumulated interest, plus any unsettled charges. 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 remaining term at the relevant APR, based on a minimum payment of at least $100. The minimum line quantity is generally $25,000, but lines as low as $15,000 are offered in particular areas. Bank of America pays all closing costs on lines up to and consisting of $1,000,000.

2 Please consult your tax advisor relating to interest deductibility.

3 Fixed-Rate Loan Option at account opening: You may convert a withdrawal from your home equity line of credit (HELOC) account into a Fixed-Rate Loan Option, leading to fixed month-to-month payments at a fixed interest rate. 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 exceed the account maturity date.

Fixed-Rate Loan Option throughout loan term: You may transform all or a part of your impressive HELOC variable-rate balance to a Fixed-Rate Loan Option, leading to repaired month-to-month 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 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 may not be utilized to purchase, carry or trade securities or pay back financial obligation incurred to acquire, bring or trade securities.

4 Lower your rate of interest when you set up automated payments at account opening from your Bank of America inspecting or savings account; by drawing and keeping an initial certifying balance for a minimum of the very 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 maintain your membership, in the Bank of America Preferred Rewards ® program if you have an active, eligible individual monitoring account with Bank of America ® and keep 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, certifying Bank of America deposit accounts (such as examining, cost 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 average day-to-day balance in your certifying deposit and investment accounts, or
2. an existing combined balance, supplied that you enroll at the time you open your very first qualified individual bank account and satisfy the balance requirement at the end of at least one day within 1 month of opening that account.

Refer to your Personal Schedule of Fees for details on accounts that qualify towards the combined balance computation and get program benefits. Eligibility to enroll is normally available 3 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 registration, or for brand-new accounts within 1 month of account opening, unless we indicate otherwise. Bank of America Private Bank customers qualify to enroll in the Diamond Honors tier despite balances. Certain benefits are likewise available without enrolling in Preferred Rewards if you please balance and other requirements. For information on Bank of America worker credentials requirements, please call Employee Financial Services or refer to the Bank of America intranet website. Employees of business taking part in the Bank of America Employee Banking and Investing Program may be qualified to get involved on personalized terms. Describe CEBI Program for information.

6 Preferred Rewards Home Equity Line of Credit. Home Equity Credit Line (HELOC) rate of interest discounts are used to clients who are registered or are eligible to enroll in Preferred Rewards, based upon their rewards tier at the submittal of home equity application (for co-borrowers, a minimum of one applicant should be enrolled or eligible to register). 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 not subject to modification after the application is submitted. Benefit is non-transferable. Preferred Rewards home equity benefit can be integrated with particular other home equity rates of interest discounts. Credit and collateral topic to approval. 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 wholly owned subsidiaries of Bank of America Corporation. Bank of America, N.A. Equal Housing Lender. Credit and collateral are subject to approval. Terms use. This is not a commitment to lend. Programs, rates, conditions are subject to change without notification.