Innovative Refinancing Solutions from Merrill Lynch Home Loans™

Flexible home financing solutions to help you build and manage your wealth

Please see reverse side for important information.

Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”), a registered broker-dealer and member SIPC, and other subsidiaries of Bank of America Corporation (“BAC”).

Banking products are provided by Bank of America, N.A., and affiliated banks, members FDIC and wholly owned subsidiaries of BAC.

Investment products:

The Merrill Lynch Wealth Management Advantage

Experience and insight. Merrill Lynch has been offering home financing since 1981. We provide competitive home financing solutions, designed to complement your overall investment strategy and maximize your net worth.

We believe relationships are built over a lifetime, not in a single transaction. Our Financial Advisors have the experience to provide you with customized wealth management advice and guidance, including a variety of mortgage options to fit your unique needs.

At Merrill Lynch Home Loans we believe your home can be one of the cornerstones to managing your wealth successfully. And with today’s low interest rate environment, now may be the right time to evaluate your current mortgage. Your Merrill Lynch Financial Advisor can help you determine if refinancing is the right strategy for you and, if so, review your alternatives and help you choose the best options.

Depending on your current mortgage and your financial situation, refinancing may help you:

■■ Achieve greater tax savings by maximizing tax deductibility.1

■■ Gain more control over your monthly cash flow.

■■ Build more financial liquidity, which you can use for other purposes. For example, refinancing may be a good idea if you’re planning to purchase a vacation home, pay for a child’s education or make a charitable contribution.

Chances are, a lot has changed since you purchased your current home. Whether that change involves your personal financial situation or market conditions and the state of the economy, it makes good sense to review your home financing to ensure that your mortgage is still in line with your financial goals. In many cases refinancing not only reduces your monthly payments, it can help you maximize tax deductibility1, increase flexibility and build liquidity.

[To learn more, please contact:] [Financial Advisor Name] [NMLS#] [Merrill Lynch Wealth Management] [Business Street Address] [City, State, Zip Code] [Phone] [Email address]

CrEdit and LEnding

1 Neither Merrill Lynch nor its Financial Advisors provide tax advice. Please consult your personal tax advisor regarding the deductibility of mortgage interest.2 Relationship pricing discounts are only available to individuals (such as natural persons) who have a vested interest in the proposed mortgaged property. To be eligible for the closing cost credit, you must transfer new assets totaling at least $250,000 (additional discounts may be available for higher asset levels) to Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”) or Bank of America, N.A. (“BANA”) prior to loan closing. To be eligible for the rate discount, you must have assets totaling at least $250,000 (additional discounts maybe available for higher asset levels) with MLPF&S or BANA prior to loan closing. Assets may be held in a combination of MLPF&S brokerage accounts (such as CMA, Beyond Banking, Delaware cash accounts, etc.), BANA deposits including checking accounts, savings accounts and certificates of deposits, and Bank of America, Rhode Island, National Association deposits (including sweeps from MLPF&S accounts). All of the above accounts are eligible to be included in the calculation, although you are not required to have any particular type of account to receive the relationship pricing discount. All assets are subject to verification for eligibility prior to closing.

IMPORTANT NOTE: You are NOT required to trade or hold securities or open or maintain a MLPF&S account in order to obtain relationship pricing for BANA mortgages. If you want to meet the balance threshold entirely through deposits, you are entitled to do so.

Merrill Lynch Home Loans™ residential mortgage programs are offered and funded by Bank of America, N.A., 4804 Deer Lake Drive East, Jacksonville, FL 32246-6484; toll-free telephone: 1.800.854.7154. Merrill Lynch, Pierce, Fenner & Smith Incorporated, 4 World Financial Center, New York, NY 10080, toll-free telephone: 1.800.338.2814, Member, Securities Investor Protection Corporation (SIPC), does not make commitments for or fund loans. Residential mortgage programs, options, and property types are not available in all states and jurisdictions and are subject to change without notice. Loans are offered on properties in all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico. Additional terms, conditions, restrictions, and costs may apply. Bank of America Corporation, its subsidiaries, and their employees may receive compensation for its products and services.

Merrill Lynch Wealth Management, Merrill Lynch Home Loans and the Bull Symbol are trademarks owned by Bank of America Corporation.

© 2011 Bank of America Corporation. All rights reserved. | ARW1S5Q0 | SHEET-03-11-0235 | 07/2011

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For more information, visit www.merrillhomeloans.com.

What to consider

Is refinancing your home right for you? Your Financial Advisor can help you:

■■ Project your annual mortgage payment savings and compare it against an estimate of the cost of refinancing. The costs should include items such as origination fees, attorney’s fees, appraisal fees, title fees, and other applicable fees.

■■ Weigh the estimated cost of refinancing against the potential tax benefits, increased flexibility and liquidity. 1

Refinancing options

Depending on your personal situation, there are a variety of refinancing options to consider:

■■ Rate and term refinancing — Refinance your existing loan balance (and closing costs where available) to obtain a better rate or loan term.

■■ Cash-out refinancing — Refinance your existing loan balance and receive additional funds at closing. Available for select products, this could enable you to finance other activities, such as paying off consumer debt or making home improvements.

Take advantage of relationship pricing

The Merrill Lynch Home Loans Relationship pricing program rewards you for your total relationship with Merrill Lynch and/or Bank of America. 2 Talk to your Financial Advisor to learn more about available program discounts and eligibility criteria.