You are invited to use. Your invoice of this material does not suggest you have been prequalified or pre-approved for any item or service we provide. This is not a dedication to lend; you should submit additional 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 respect to all service or products. Fiduciary requirements or fiduciary responsibilities do not apply, for example, when the Bank is offering or providing credit solutions, banking or custody services or referrals to other affiliates of the Bank.

1You are invited to use for a Home Equity Credit Line (HELOC). This is not a commitment to lend; you need to send extra info for evaluation and approval.

The term of a HELOC is 30 years: 10-year draw duration, 20-year payment period. Residential or commercial property insurance coverage is constantly required and flood insurance coverage is needed where needed. Certain residential or commercial property types are not eligible security. If you choose the Interest Only Option, during the Draw Period the minimum regular monthly payment will be the amount of accumulated interest, plus any overdue costs. Under the Amortizing Payment Option, the variable minimum monthly payment for both the Draw Period and the Repayment Period will be a quantity adequate to repay the impressive balance in principal and interest payments over the remaining term at the relevant APR, subject to a minimum payment of at least $100. The minimum line amount is usually $25,000, however lines as low as $15,000 are readily available in particular areas. Bank of America pays all closing costs 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 convert 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 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 optimum amount that can be converted is restricted to 90% of the maximum 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 impressive HELOC variable-rate balance to a Fixed-Rate Loan Option, resulting in fixed regular monthly payments at a set rates of interest. The minimum outstanding 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 go beyond the account maturity date. No greater than three Fixed-Rate Loan Options may be open at one time. Rates for the Fixed-Rate Loan Option are normally greater than variable rates on the HELOC.

HELOC funds might not be utilized to buy, bring or trade securities or repay debt sustained to purchase, carry or trade securities.

4 Lower your rates of interest when you set up automatic payments at account opening from your Bank of America examining or savings account; by drawing and keeping a preliminary certifying balance for at least 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 enroll, and keep your subscription, in the Bank of America Preferred Rewards ® program if you have an active, eligible 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 deposit accounts (such as inspecting, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for registration with either:

1. a three-month integrated typical everyday balance in your qualifying deposit and investment accounts, or
2. a present combined balance, provided that you enroll at the time you open your very first qualified personal checking 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 qualify towards the combined balance estimation and receive program benefits. Eligibility to enlist is normally available three or more organization days after the end of the calendar month in which you please the requirements. Benefits end up being effective within 1 month of your registration, or for brand-new accounts within 30 days of account opening, unless we suggest otherwise. Bank of America Private Bank clients qualify to register in the Diamond Honors tier despite balances. Certain advantages are likewise readily available without registering in Preferred Rewards if you satisfy balance and other requirements. For details on Bank of America worker qualification requirements, please call Employee Financial Services or refer to the Bank of America intranet site. Employees of business taking part in the Bank of America Employee Banking and Investing Program may be eligible to get involved on tailored terms. Describe CEBI Program for information.
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   6 Home Equity Line of Credit. Home Equity Line of Credit (HELOC) rate of interest discounts are offered to clients who are registered or are qualified to enroll in Preferred Rewards, based upon their rewards tier at the submittal of home equity application (for co-borrowers, a minimum of one candidate needs to be enrolled or qualified 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 upon the rewards 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 advantage can be integrated with specific other home equity rate of interest discounts. Credit and security subject to approval. Terms and conditions use. Programs, rates, terms and conditions subject to change without notification.
   
   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 are subject to approval. Terms apply. This is not a commitment to provide. Programs, rates, terms and conditions go through change without notification.
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