Merrill Lynch has announced a limited-time offer under which clients can earn rewards points and closing cost credits when they finance or refinance their home through Merrill Lynch Credit Corp. and hold a Merrill+ or Visa Signature card.The company said Merrill+ cardholders are eligible to earn up to 45,000 rewards points and a $250 or $500 credit toward closing costs when they obtain a Merrill Lynch mortgage. Visa Signature cardholders are eligible to earn up to 15,000 points. The offer is valid on applications received by Dec. 31, 2004, in which financing closes after July 1, 2004, and before March 1, 2005, the company said. Reward points can be redeemed for a variety of travel options and merchandise. Merrill Lynch Credit can be found online at http://www.mlcc.com.

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