ABRAMS, FENSTERMAN, FENSTERMAN, EISMAN, GREENBERG, FORMATO & EINIGER, LLP

Attorneys at Law

630 3RD AVENUE – 5TH FLOOR

NEW YORK, NEW YORK 10017

TELEPHONE: (212) 279-9200

ATTENTION Clients: You can save valuable time and money with Mortgage and Home Equity programs from Bank of America.

Our firm has negotiated a discount for our clients and members of approved medical societies with Bank of America:

$500 OFF OF CLOSING COSTS plus you will NOT BE CHARGED AN

APPRAISAL FEE for an additional savings of up to $600.

With savings over $1,000, this is a GRAND SLAMTM MORTGAGE OPPORTUNITY!

You can apply right over the phone.

The “NO MONEY DOWN DOCTOR LOAN” from Bank of America is ideal for busy healthcare professionals who are paying off medical school expenses, investing in a practice, have limited savings or simply prefer to keep their money in other financial vehicles. Eligible professions for the NO MONEY DOWN DOCTOR LOAN include actively practicing: Medical residents, existing or newly licensed Medical Doctors (MD), Doctors of Dental Science (DDS), Doctors of Dental Medicine (DMD) and dental surgeons specializing in oral and maxillofacial surgery, Doctors of Optometry (OD) and Doctors of Ophthalmology (MD), Doctors of Podiatric Medicine (DPM).

“NO MONEY DOWN DOCTOR LOAN”

Up to 100% Financing Available*

Loan Amounts to $1 MILLION

No Private Mortgage Insurance (PMI)

*Restrictions Apply

- Other Bank of America Products & Programs to consider -

“NO FEE MORTGAGE PLUS”

No Application Fee & No Closing Fees (Except State Mortgage Tax)

No Title Insurance fees

No Private Mortgage Insurance (PMI)

HOME EQUITY LINES OF CREDIT

No Application Fees

No Closing Fees

No Pre-Payment Penalty

Optional BORROWER PROTECTION PLANS

(Subject to eligibility requirements and mortgage program selected)

These extra cost plans can cancel up to 12 months of mortgage payments in the event of:

Involuntary Unemployment,* Disability*or in the event of any kind of death.

*Restrictions Apply

Call Danny Kobak at 212-279-9200 for a referral to Bank of America’s new physician savings program.