You are invited to use. Your invoice of this material does not imply you have been prequalified or pre-approved for any service or product we provide. This is not a dedication to provide; you should 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 product and services. Fiduciary standards or fiduciary tasks do not apply, for example, when the Bank is providing or offering credit options, banking or custody services or recommendations to other affiliates of the Bank.

1You are invited to look for a Home Equity Credit Line (HELOC). This is not a dedication to provide; you must send additional information for evaluation and approval.

The term of a HELOC is thirty years: 10-year draw duration, 20-year repayment period. Residential or commercial property insurance is always required and flood insurance is needed where needed. Certain residential or commercial property types are not qualified collateral. If you select the Interest Only Option, during the Draw Period the minimum month-to-month payment will be the amount of accumulated interest, plus any unsettled costs. Under the Amortizing Payment Option, the variable minimum regular monthly payment for both the Draw Period and the Repayment Period will be a quantity sufficient to pay back the exceptional balance in principal and interest payments over the staying term at the applicable 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 available in particular places. Bank of America pays all closing costs on lines up to and consisting of $1,000,000.

2 Please consult your tax consultant concerning interest deductibility.

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

Fixed-Rate Loan Option throughout loan term: You may convert all or a part of your outstanding 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 three Fixed-Rate Loan Options may be open at one time. Rates for the Fixed-Rate Loan Option are generally greater than variable rates on the HELOC.

HELOC funds might not be utilized to purchase, bring or trade securities or pay back financial obligation sustained to buy, carry or trade securities.

4 Lower your rates of interest when you set up automatic payments at account opening from your Bank of America inspecting or savings account; by drawing and maintaining a preliminary qualifying balance for a minimum of the first three 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 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, 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 combined average daily balance in your certifying deposit and investment accounts, or
2. an existing combined balance, provided that you enroll at the time you open your first eligible individual monitoring account and please the balance requirement at the end of at least one day within thirty days of opening that account.

Describe your Personal Schedule of Fees for information on accounts that certify towards the combined balance estimation and receive program advantages. Eligibility to register is typically readily available 3 or more organization days after the end of the calendar month in which you satisfy the requirements. Benefits become efficient within thirty days of your registration, or for new accounts within 30 days of account opening, unless we indicate otherwise. Bank of America Private Bank customers qualify to enroll in the Diamond Honors tier no matter balances. Certain advantages are likewise offered without registering in Preferred Rewards if you please balance and other requirements. For details on Bank of America employee qualification 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 may be qualified to take part on customized terms. Describe CEBI Program for details.

6 Preferred Rewards Home Equity Credit Line. Home Equity Line of Credit (HELOC) rate of interest discounts are provided to customers who are enrolled or are qualified to enroll in Preferred Rewards, based on their benefits tier at the submittal of home equity application (for co-borrowers, a minimum of one applicant must be registered or qualified to enlist). 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 exempt to adjustment after the application is submitted. Benefit is non-transferable. Preferred Rewards home equity benefit can be combined with specific other home equity rate of interest discount rates. 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 items are offered 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 security go through approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms are subject to change without notice.