You are welcomed to apply. Your receipt of this product does not mean you have actually been prequalified or pre-approved for any product and services we offer. This is not a dedication to provide; you need to submit additional information 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 capacity with regard to all services or products. Fiduciary standards or fiduciary responsibilities do not apply, for instance, when the Bank is using or offering credit options, banking or custody services or referrals to other affiliates of the Bank.

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

The regard to a HELOC is thirty years: 10-year draw duration, 20-year payment duration. Residential or commercial property insurance coverage is constantly needed and flood insurance is required where necessary. Certain residential or commercial property types are not qualified security. If you select the Interest Only Option, throughout the Draw Period the minimum month-to-month payment will be the quantity of accrued interest, plus any unpaid fees. 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 staying term at the appropriate APR, subject to a minimum payment of at least $100. The minimum line quantity is normally $25,000, however lines as low as $15,000 are offered in specific areas. Bank of America pays all closing costs on lines up to and including $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 repaired regular monthly payments at a set interest rate. The minimum HELOC quantity that can be transformed at account opening into a Fixed-Rate Loan Option is $5,000 and the maximum quantity that can be transformed is restricted to 90% of the optimum line amount. 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 might convert all or a portion 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 exceptional 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 typically greater than variable rates on the HELOC.

HELOC funds may not be utilized to acquire, carry or trade securities or repay debt incurred to purchase, carry or trade securities.

4 Lower your interest rate when you set up automated payments at account opening from your Bank of America inspecting or savings account; by drawing and preserving an initial certifying balance for a minimum of 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 enlist, and maintain 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 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, qualifying Bank of America deposit accounts (such as checking, 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 registration with either:
1. a three-month integrated average everyday balance in your qualifying deposit and financial investment accounts, or
2. an existing combined balance, supplied that you enlist at the time you open your very first eligible personal bank account and please the balance requirement at the end of a minimum of one day within one month of opening that account.

Refer to your Personal Schedule of Fees for information on accounts that qualify towards the combined balance computation and receive program benefits. Eligibility to enroll is typically readily available 3 or more business days after completion of the calendar month in which you satisfy the requirements. Benefits end up being effective within one month of your enrollment, or for new accounts within 1 month of account opening, unless we show otherwise. Bank of America Private Bank clients qualify to enlist in the Diamond Honors tier no matter balances. Certain benefits are also available without registering in Preferred Rewards if you satisfy balance and other requirements. For information on Bank of America worker certification 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 might be qualified to get involved on tailored terms. Describe CEBI Program for information.

6 Preferred Rewards Home Equity Line of Credit. Home Equity Line of Credit (HELOC) rates of interest discounts are used 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 candidate needs to be registered 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 benefits 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 combined with particular other home equity interest rate discount rates. Credit and security subject to approval. Terms and conditions apply. Programs, rates, terms and conditions subject to change without notification.

Banking, mortgage and home equity items are provided 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 use. This is not a commitment to lend. Programs, rates, terms go through change without notice.