You are welcomed to apply. Your invoice of this product does not indicate you have actually been prequalified or pre-approved for any item or service we provide. This is not a dedication 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 standards or fiduciary tasks do not apply, for example, when the Bank is using or providing credit solutions, 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 commitment to lend; you should send extra details for evaluation and approval.

The regard to a HELOC is thirty years: 10-year draw duration, 20-year payment period. Residential or commercial property insurance coverage is constantly needed and flood insurance coverage is required where essential. 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 amount 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 an amount sufficient to repay the impressive balance in principal and interest payments over the remaining term at the relevant APR, based on 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 costs on lines up to and including $1,000,000.
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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 set rates of interest. 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 restricted to 90% of the optimum line quantity. The minimum loan term is 1 year, and the maximum term will not exceed the account maturity date.

Fixed-Rate Loan Option during loan term: You might transform all or a part of your impressive HELOC variable-rate balance to a Fixed-Rate Loan Option, leading to repaired monthly payments at a fixed rates of interest. The minimum impressive 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 maximum 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 might not be used to buy, bring or trade securities or repay debt sustained to acquire, bring or trade securities.

4 Lower your interest rate when you set up automatic payments at account opening from your Bank of America inspecting or cost savings account; by drawing and keeping a preliminary certifying 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 preserve your subscription, in the Bank of America Preferred Rewards ® program if you have an active, eligible personal checking account with Bank of America ® and preserve the balance required 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 examining, 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 certifying deposit and financial investment accounts, or
2. a present combined balance, supplied that you enlist at the time you open your very first qualified individual bank account and please the balance requirement at the end of at least one day within one month of opening that account.
   
   Describe your Personal Schedule of Fees for information on accounts that qualify towards the combined balance calculation and get program advantages. Eligibility to register is usually offered three or more business days after completion of the calendar month in which you satisfy the requirements. Benefits end up being within one month of your enrollment, or for brand-new accounts within thirty days of account opening, unless we indicate otherwise. Bank of America Private Bank customers qualify to register in the Diamond Honors tier despite balances. Certain benefits are likewise readily available without registering in Preferred Rewards if you satisfy balance and other requirements. For details on Bank of America worker certification requirements, please call Employee Financial Services or refer to the Bank of America intranet website. Employees of business participating in the Bank of America Employee Banking and Investing Program might be eligible to participate on tailored terms. Describe CEBI Program for information.
   
   6 Preferred Rewards Home Equity Line of Credit. Home Equity Credit Line (HELOC) interest rate discounts are provided to clients who are enrolled or are eligible to enlist in Preferred Rewards, based upon their benefits tier at the submittal of home equity application (for co-borrowers, at least one candidate must be enrolled 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 upon the benefits 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 advantage can be integrated with certain other home equity interest rate discounts. Credit and collateral topic to approval. Conditions use. Programs, rates, terms subject to change without notice.
   
   Banking, mortgage and home equity products 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 undergo approval. Terms apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to alter without notice.
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