You are invited to use. Your invoice of this material does not mean you have actually been prequalified or pre-approved for any product or service we provide. This is not a dedication to lend; you need to send additional details for evaluation 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 items or services. Fiduciary standards or fiduciary duties do not use, for instance, when the Bank is offering or supplying credit options, banking or custody services or referrals to other affiliates of the Bank.

1You are invited to obtain a Home Equity Credit Line (HELOC). This is not a commitment to lend; you should submit additional information for evaluation and approval.

The regard to a HELOC is 30 years: 10-year draw period, 20-year payment duration. Residential or commercial property insurance is constantly required and flood insurance is required where essential. Certain residential or commercial property types are not eligible security. If you choose the Interest Only Option, throughout the Draw Period the minimum monthly payment will be the amount of accrued interest, plus any overdue charges. 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 adequate to pay back the impressive balance in principal and interest payments over the remaining term at the appropriate APR, subject to a minimum payment of at least $100. The minimum line quantity is usually $25,000, however lines as low as $15,000 are offered in particular areas. Bank of America pays all closing expenses on lines up to and including $1,000,000.

2 Please consult your tax advisor concerning interest deductibility.

3 Fixed-Rate Loan Option at account opening: You might transform a withdrawal from your home equity line of credit (HELOC) account into a Fixed-Rate Loan Option, resulting in fixed monthly payments at a set interest rate. The minimum HELOC quantity that can be converted at account opening into a Fixed-Rate Loan Option is $5,000 and the optimum amount 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 go beyond the account maturity date.

Fixed-Rate Loan Option during loan term: You might convert all or a part of your exceptional HELOC variable-rate balance to a Fixed-Rate Loan Option, resulting in fixed monthly payments at a fixed interest rate. The minimum impressive balance that can be converted 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 higher than variable rates on the HELOC.

HELOC funds may not be used to buy, carry or trade securities or pay back debt incurred to buy, bring or trade securities.

4 Lower your rate of interest when you established automated payments at account opening from your Bank of America inspecting or savings account; by drawing and preserving a preliminary certifying balance for at least the very first 3 billing cycles; and when you're registered 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 subscription, in the Bank of America Preferred Rewards ® program if you have an active, qualified individual checking account with Bank of America ® and maintain 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 bank account (such as checking, 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 registration with either:
1. a three-month integrated typical daily balance in your qualifying deposit and financial investment accounts, or
2. an existing combined balance, provided that you register at the time you open your first qualified personal bank account and satisfy the balance requirement at the end of a minimum of one day within thirty days of opening that account.

Refer to your Personal Schedule of Fees for information on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enlist is usually readily available three or more organization days after the end of the calendar month in which you satisfy the requirements. Benefits end up being reliable within 30 days of your enrollment, or for brand-new accounts within 30 days of account opening, unless we show otherwise. Bank of America Private Bank customers qualify to register in the Diamond Honors tier regardless of balances. Certain advantages are likewise offered without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on Bank of America employee credentials requirements, please call Employee Financial Services or refer to the Bank of America intranet website. Employees of business getting involved in the Bank of America Employee Banking and Investing Program might be eligible to get involved on customized terms. Describe CEBI Program for information.

6 Preferred Rewards Home Equity Credit Line. Home Equity Line of Credit (HELOC) rate of interest discount rates are provided to clients who are enrolled or are qualified to register in Preferred Rewards, based on their rewards tier at the submittal of home equity application (for co-borrowers, a minimum of one candidate should be registered or qualified to enroll). 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 change after the application is submitted. Benefit is non-transferable. Preferred Rewards home equity advantage can be integrated with certain other home equity interest rate discount rates. Credit and security subject to approval. Terms use. Programs, rates, terms subject to change without notice.

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