You are invited to use. Your receipt of this material does not imply you have actually been prequalified or pre-approved for any product or service we offer. This is not a commitment to lend; you should send additional 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 regard to all service or products. Fiduciary standards or fiduciary tasks do not apply, for example, when the Bank is providing or supplying 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 should submit extra information for review and approval.

The term of a HELOC is thirty years: 10-year draw period, 20-year repayment period. Residential or commercial property insurance coverage is always required 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, throughout the Draw Period the minimum month-to-month payment will be the amount of accrued interest, plus any unsettled charges. Under the Amortizing Payment Option, the variable minimum monthly payment for both the Draw Period and the Repayment Period will be an amount enough to repay 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 generally $25,000, but lines as low as $15,000 are readily available in specific areas. Bank of America pays all closing expenses on lines up to and consisting of $1,000,000.

2 Please consult your tax consultant relating to 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, leading to repaired 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 optimum amount that can be transformed is limited to 90% of the optimum line quantity. The minimum loan term is 1 year, and the maximum term will not surpass the account maturity date.

Fixed-Rate Loan Option during loan term: You may convert all or a part of your impressive HELOC variable-rate balance to a Fixed-Rate Loan Option, resulting in repaired regular monthly payments at a fixed interest rate. The minimum exceptional 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 go beyond 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 usually greater than variable rates on the HELOC.

HELOC funds may not be used to acquire, carry or trade securities or repay debt incurred to acquire, bring 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 cost savings account; by drawing and keeping a preliminary qualifying balance for at least 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 preserve your membership, in the Bank of America Preferred Rewards ® program if you have an active, qualified personal bank account with Bank of America ® and keep the balance required 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, certifying Bank of America deposit accounts (such as inspecting, savings, certificate of deposit) and/or your Merrill financial investment accounts (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either:
1. a three-month combined average everyday balance in your qualifying deposit and investment accounts, or
2. a present combined balance, provided that you enlist at the time you open your first qualified personal checking 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 information on accounts that certify towards the combined balance computation and get program advantages. Eligibility to enlist is typically offered 3 or more company 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 suggest otherwise. Bank of America Private Bank customers certify to enroll in the Diamond Honors tier regardless of balances. Certain advantages are also available without registering in Preferred Rewards if you satisfy balance and other requirements. For information on Bank of America staff member 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 take part on customized terms. Refer to CEBI Program for details.

6 Preferred Rewards Home Equity Line of Credit. Home Equity Credit Line (HELOC) rates of interest discount rates are used to clients who are registered or are qualified to enroll in Preferred Rewards, based on their rewards tier at the submittal of home equity application (for co-borrowers, a minimum of one applicant must be enrolled or eligible to register). 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 upon 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 integrated with specific other home equity rates of interest discount rates. Credit and collateral topic to approval. Terms use. Programs, rates, terms and conditions subject to alter without notification.

Banking, mortgage and home equity items are provided by Bank of America, N.A., and associated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Bank of America, N.A. Equal Housing Lender. Credit and collateral go through approval. Terms and conditions apply. This is not a dedication to lend. Programs, rates, terms and conditions go through change without notice.