You are welcomed to apply. Your receipt of this material does not suggest you have actually been prequalified or pre-approved for any services or product we provide. This is not a commitment to provide; you must 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 capacity with respect to all product and services. Fiduciary standards or fiduciary responsibilities do not use, for instance, when the Bank is providing or offering credit options, banking or custody services or recommendations to other affiliates of the Bank.

1You are welcomed to get a Home Equity Line of Credit (HELOC). This is not a commitment to provide; you need to submit extra details for review and approval.

The regard to a HELOC is thirty years: 10-year draw period, 20-year payment duration. 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 collateral. If you select the Interest Only Option, throughout the Draw Period the minimum monthly payment will be the quantity of accumulated interest, plus any unsettled costs. Under the Amortizing Payment Option, the variable minimum monthly payment for both the Draw Period and the Repayment Period will be an amount sufficient to pay back the exceptional balance in principal and interest payments over the remaining term at the applicable APR, subject to a minimum payment of a minimum of $100. The minimum line amount is typically $25,000, but lines as low as $15,000 are available in certain locations. Bank of America pays all closing costs on lines up to and consisting of $1,000,000.

2 Please consult your tax advisor regarding interest deductibility.

3 Fixed-Rate Loan Option at account opening: You may transform a withdrawal from your home equity credit line (HELOC) account into a Fixed-Rate Loan Option, resulting in repaired regular monthly payments at a set rate of interest. The minimum HELOC amount that can be transformed at account opening into a Fixed-Rate Loan Option is $5,000 and the maximum amount that can be transformed is restricted to 90% of the optimum line quantity. The minimum loan term is 1 year, and the optimum term will not exceed the account maturity date.

Fixed-Rate Loan Option during loan term: You may transform all or a portion of your outstanding HELOC variable-rate balance to a Fixed-Rate Loan Option, resulting in fixed monthly payments at a set 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 maximum term will not go beyond the account maturity date. No more than three Fixed-Rate Loan Options might be open at one time. Rates for the Fixed-Rate Loan Option are typically higher than variable rates on the HELOC.

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

4 Lower your interest rate when you set up automated payments at account opening from your Bank of America examining or savings account; by drawing and preserving a preliminary certifying balance for a minimum of 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 enroll, and preserve your membership, 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 needed 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 checking, cost 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 enrollment with either:
1. a three-month integrated typical day-to-day balance in your qualifying deposit and investment accounts, or
2. a current combined balance, offered that you enroll at the time you open your first eligible individual bank account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.

Describe your Personal Schedule of Fees for details on accounts that qualify towards the combined balance computation and receive program advantages. Eligibility to enlist is usually readily available three or more service days after completion of the calendar month in which you please the requirements. Benefits end up being effective within 30 days of your enrollment, or for brand-new accounts within one month of account opening, unless we indicate otherwise. Bank of America Private Bank clients qualify to enroll in the Diamond Honors tier no matter balances. Certain advantages are also available without enrolling in Preferred Rewards if you please balance and other requirements. For details on Bank of America worker certification requirements, please call Employee Financial Services or describe the Bank of America intranet website. Employees of companies taking part in the Bank of America Employee Banking and Investing Program might be qualified to get involved on tailored terms. Describe CEBI Program for details.

6 Preferred Rewards Home Equity Line of Credit. Home Equity Credit Line (HELOC) interest rate discount rates are offered to customers who are registered or are eligible to enlist in Preferred Rewards, based on their benefits tier at the submittal of home equity application (for co-borrowers, at least one applicant must be registered or qualified to enroll). 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 not subject to change after the application is sent. Benefit is non-transferable. Preferred Rewards home equity advantage can be combined with specific other home equity rates of interest discount rates. Credit and security topic to approval. Terms apply. Programs, rates, terms subject to alter without notice.

Banking, mortgage and home equity items are offered by Bank of America, N.A., and associated banks, Members FDIC and completely owned subsidiaries of Bank of America Corporation. Bank of America, N.A. Equal Housing Lender. Credit and security undergo approval. Terms apply. This is not a commitment to provide. Programs, rates, terms are subject to change without notice.