You are welcomed to use. Your receipt of this product does not suggest you have actually been prequalified or pre-approved for any product or service we provide. This is not a commitment to lend; you need to submit extra info 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 capacity with regard to all service or products. Fiduciary requirements or fiduciary responsibilities do not apply, for instance, when the Bank is offering or providing credit services, banking or custody services or referrals to other affiliates of the Bank.

1You are welcomed to get a Home Equity Line of Credit (HELOC). This is not a commitment to lend; you need to send extra information 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 is always needed and flood insurance coverage is required where required. Certain residential or commercial property types are not eligible collateral. If you select the Interest Only Option, during the Draw Period the minimum regular monthly payment will be the quantity of accumulated interest, plus any overdue charges. Under the Amortizing Payment Option, the variable minimum monthly payment for both the Draw Period and the Repayment Period will be a quantity enough to repay the exceptional balance in principal and interest payments over the remaining term at the applicable APR, subject to a minimum payment of at least $100. The minimum line quantity is usually $25,000, however lines as low as $15,000 are available in particular places. Bank of America pays all closing expenses on lines up to and including $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 credit line (HELOC) account into a Fixed-Rate Loan Option, resulting in repaired 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 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 transform all or a part of your impressive HELOC variable-rate balance to a Fixed-Rate Loan Option, leading to fixed regular monthly payments at a fixed rate of interest. 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 greater than three Fixed-Rate Loan Options might be open at one time. Rates for the Fixed-Rate Loan Option are normally greater than variable rates on the HELOC.

HELOC funds may not be utilized to purchase, bring or trade securities or pay back 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 checking or savings account; by drawing and preserving a preliminary qualifying balance for at least the 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 maintain your subscription, in the Bank of America Preferred Rewards ® program if you have an active, eligible individual bank account with Bank of America ® and maintain 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 bank account (such as checking, cost savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). You can please 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 current combined balance, offered that you enlist at the time you open your first eligible personal 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 information on accounts that certify towards the combined balance calculation and get program benefits. Eligibility to enroll is generally available three or more company days after completion of the calendar month in which you satisfy the requirements. Benefits end up being effective within 30 days of your registration, or for new accounts within one month of account opening, unless we suggest otherwise. Bank of America Private Bank clients qualify to register in the Diamond Honors tier no matter balances. Certain advantages are also readily available without registering in Preferred Rewards if you please balance and other requirements. For details on Bank of America staff member credentials requirements, please call Employee Financial Services or describe the Bank of America intranet site. Employees of business getting involved in the Bank of America Employee Banking and Investing Program might be qualified to participate on tailored terms. Refer to CEBI Program for information.

6 Preferred Rewards Home Equity Credit Line. Home Equity Line of Credit (HELOC) rates of interest discount rates are offered to clients who are enrolled or are qualified to register in Preferred Rewards, based upon their benefits tier at the submittal of home equity application (for co-borrowers, at least one candidate needs to 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 not subject to change after the application is submitted. Benefit is non-transferable. Preferred Rewards home equity advantage can be combined with particular other home equity rate of interest discount rates. Credit and security topic to approval. Terms apply. Programs, rates, conditions subject to alter without notification.

Banking, mortgage and home equity products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and completely owned subsidiaries of Bank of America Corporation. Bank of America, N.A. Equal Housing Lender. Credit and collateral are subject to approval. Terms and conditions use. This is not a dedication to provide. Programs, rates, conditions go through change without notification.