Today's Rates

Current Interest Rates

Rates as of Wednesday, February 08, 2012 9:30 AM

Mortgage Rates

Product	Initial Rate	APR	Points	Lock Period	Maximum Loan Amount for this Rate
PrimeFirst^® 1-Month Adjustable-Rate LIBOR-Based Mortgage	1.500%	1.607%	1.000	10-Day	$2,000,000
5-Year Conforming Interest-Only Term ARM	2.810%	3.224%	1.000	60-Day	$417,000
30-Year Conforming Fixed-Rate Mortgage	4.040%	4.150%	1.000	60-Day	$417,000
30-Year Fixed-Rate Mortgage	4.375%	4.478%	1.000	60-Day	$1,000,000

These products represent a small segment of our home financing solutions. Merrill Lynch Home Loans^TM offers over 50 products and programs to suit your individual home financing needs. Please contact a Merrill Lynch Loan Representative who can profile your needs and customize a home financing solution for you. (800) 854-7154.

Further rate discounts may apply.

View Index and Swap Rates

Click here for Important Loan Disclosures.

Home Equity Rates

Product	Initial Rate
30 Year Equity Access^®	Call us to determine your customized rate.(800)854-7154

Apply Now for a Home Equity Line of Credit

A home equity line of credit is a great way to lock in your available home appreciation and take advantage of all the benefits that a home equity credit line can offer.¹ Please contact a Merrill Lynch Loan Representative to determine which home equity solution is best for you. (800) 854-7154.

Click here for Important Loan Disclosures.

Published rates are based on a primary, single-family residence and are indicative rates. Your actual rate may be higher or lower depending on your specific loan scenario and creditworthiness. To get a precise rate or to review rates on other loan products, please call a Merrill Lynch Loan Representative at (800) 854-7154 for a brief telephone consultation to determine the actual rate available for your specific situation.

¹Equity Access^® funds may not be used to purchase, carry, or trade securities or repay debt incurred to purchase, carry or trade securities.

Equal Housing Lender Privacy & Security Important Legal Information Important Loan-Cost Disclosures

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:

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value