Bank of America® Travel Rewards Program Rules

Bank of America

Travel Rewards

Program Rules

It’s easy to earn Points —

simply use your Card for

everyday purchases.

There’s no additional

cost to participate in the

Program, and you and

your authorized users are

automatically enrolled.

Rewards at a glance:

Base Earn

Earn 1.5 Base Points for every $1

spent on Net Purchases

Bonus Earn

Customer Points Bonus: Earn 10%

more Points*

Travel Center bonus: Earn 1.5 Bonus

Points for every $1 spent**

Preferred Rewards/Banking Rewards

for Wealth Management Bonus

(if qualified & enrolled):

Earn 25%–75% more Points (replaces

Customer Points Bonus)**

Redeem • Travel Credit • Cash Back • Gift Cards

Minimum

Redemption

Redemptions start at 2,500 Points

Expiration

As long as your account remains in

good standing, Points do not expire

Forfeiture

Points are subject to forfeiture.

See page 5.

* See page 2 for eligibility details.

** See page 3 for eligibility details.

Learn more about:

Travel Credit Rewards page 5

Cash Rewards page 6

Gift Card Rewards page 7

The following Program Rules provide what you need to know about the Program. Please

review this document and keep it for reference. If We make any changes to the Program,

We will let you know on bankofamerica.com, or by mail.

bankofamerica.com

800.421.2110

Page 1

Basic terms and definitions

Account in Good Standing — An account

that is open and has charging privileges

Base Points — The number of Points you

will earn with each purchase

Billing Cycle — The period of time

between monthly bills or monthly billing

statements, as defined in your Credit Card

Agreement

Bonus Points — The number of additional

Points you can earn with each purchase,

subject to the terms of certain bonus offers

or enrollment-based programs

Card —A Bank of America

Travel

Rewards Visa

credit card

Cardholder (also referred to as “you”) —

Individual Cardholders, Joint Cardholders

and authorized users, if any, with a Card

account and charging privileges (excluding

corporations, partnerships or other entities)

Cash Rewards— An electronic Automated

Clearing House (ACH) System deposit into

a checking or savings account with

Bank of America, N.A., a contribution to an

eligible Cash Management Account

with

Merrill Lynch Wealth Management

Merrill Edge

, or a check; Cash Rewards

are issued in U.S. dollars

Customer Points Bonus —A 10% bonus

added to the Base Points you earn on Net

Purchases when you have a Qualifying

Relationship with Us

Eligible Account —A Bank of America

checking or savings account and/or a

qualifying Cash Management Account

with Merrill Lynch Wealth Management

or Merrill Edge

; Eligible Accounts are

determined by Bank of America, N.A.

Joint Cardholder — Joint owner of the

Card account who shares full responsibility

of account with the Primary Cardholder;

does not include authorized users

Net Purchases—The amount of purchases

less any credits, returns and adjustments

Points — Points that are earned or

redeemed through the Program

Preferred Rewards/Banking Rewards for

Wealth Management Programs—

Optional benefits and rewards programs,

separate from this Card Program, available

to Bank of America customers/

Merrill Lynch clients who have met certain

deposit account and deposit/investment

balance criteria. Qualification and

enrollment requirements, and other

program details, are available at

bankofamerica.com/preferred-rewards

Primary Cardholder — First-named

Cardholder on the Card account

Program —The Bank of America Travel

Rewards program

Program Rules — Refers to the terms and

conditions in this document, which govern

the Program; these Program Rules are

separate from the terms of the Credit Card

Agreement provided with your Card

Qualifying Account —An open consumer

(non-business) checking, savings or

individual retirement account with

Bank of America, N.A. that is active (an

average daily balance greater than $0

or has had a deposit within 90 days)

Qualifying Relationship — A Primary

Cardholder or Joint Cardholder who has a

Qualifying Account, or who is a client of

Merrill Edge

, Merrill Lynch, Pierce,

Fenner & Smith Incorporated or U.S. Trust

(excluding 401K or other employee

sponsored plans) 529 plans are included

only if they appear on your Merrill Lynch or

Merrill Edge statement, except that 529

plans owned in UGMA/UTMA form are not

included

Rewards — Rewards that you can receive

by redeeming Points

Site — The Program website at

bankofamerica.com

Travel Center —The website or call center

where Cardholders can purchase travel or

redeem Points for travel

Travel Credit —A statement credit in U.S.

dollars to offset qualifying travel purchases

We/Us/Our — Bank of America, N.A., the

administrator and issuer of the Program

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How are my Points calculated?

• We will calculate your Points with each

eligible transaction and award (or

deduct) the resulting Points, including

two decimals (for example, $1.00 x 1.5 =

1.50 Points).

• We calculate and round Base and Bonus

Points separately.

Base Points

• We calculate the number of Base Points

you will earn with each purchase or

return transaction you make.

• The transaction amount (positive or

negative dollars) multiplied by your base

earn rate of 1.5 Points equals your Base

Points.

• For example, a purchase of $1.00 x

1.5 base earn rate = 1.50 Base Points.

• Similarly, a return of -$1.00 x 1.5 base

earn rate = -1.50 Base Points.

Bonus Points

• You may earn Bonus Points based on

meeting certain criteria or taking certain

actions (such as enrolling in the

Preferred Rewards program); details will

accompany the offer.

• We calculate the number of Bonus Points

you will earn with each purchase or

return transaction you make, but

separately from the calculation for your

Base Points.

• The transaction amount (positive or

negative dollars) multiplied by the bonus

earn rate for that particular offer equals

your Bonus Points.

• For example, a purchase of $1.00 x .50

bonus earn rate = 0.50 Bonus Points.

• Similarly, a return of -$1.00 x .50 bonus

earn rate = -0.50 Bonus Points.

Points Rounding

• Any Points calculations resulting in more

than two decimals will be rounded up to

the next hundredth of a Point (for example,

1.515 rounds up to 1.52).

How do I earn Points?

• Earn 1.5 Base Points for every $1 spent

on Net Purchases. $1.00 x 1.5 earn rate

= 1.50 Points.

• There’s no limit on the number of Points

that can be earned.

• Points are subject to verification.

Visit the Site or refer to your monthly billing

statement to see how many Points you’ve

earned.

Transactions not eligible for Points

You won’t earn Points for:

• Balance Transfers and Cash Advances,

including, but not limited to, travelers

checks, money orders and other

cash equivalents

• Fees, interest charges and credit

insurance

• Fraudulent transactions

How do I earn the Customer

Points Bonus?

Customer Points Bonus

• If you have a Qualifying Relationship

with Us, a bonus (using a 10% bonus

earn rate) will be added to the Base

Points you earn with each $1 spent on

Net Purchases as follows:

Earn 1.65 Points (1.5 Base Points +

.15 Bonus Points) with each $1 spent

on Net Purchases

• For example, if you earn 100 Base

Points, the Customer Points Bonus

(based on you having a Qualifying

Relationship when the purchase posts

to your account) will add 10 Bonus

Points, for a total of 110 Points.

• If you are enrolled in Preferred Rewards

or Banking Rewards for Wealth

Management, the rewards bonus you

receive under those programs will

replace the Customer Points Bonus.

Additional details below.

• Your Qualifying Account must maintain

an average daily balance greater than $0

or have had a deposit within 90 days to

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be considered “active” and therefore

eligible to earn the Customer Points

Bonus.

• We will review the balance on your

Qualifying Account at the end of every

month to determine if the average daily

balance of your Qualifying Account for that

month was greater than $0 and/or if you

made a deposit within the last 90 days.

• If your account qualifies as “active” all

transactions made with your Card on or

after the fifth business day of the current

month through the fifth business day of

the following month will earn the

Customer Points Bonus.

• Upon new account opening of a

Qualifying Account, it may take up to 45

days to begin earning the Customer

Points Bonus. For example, if you open

and fund your Qualifying Account on the

first of the month or later, only

transactions made with your Card after

the fifth business day of the following

month will qualify to earn the Customer

Points Bonus.

How do I earn the Travel

Center Bonus?

• Earn 3 Points for every $1 spent on

Net Purchases, excluding insurance

purchases, made through the Travel

Center (consisting of 1.5 Base Points and

1.5 Bonus Points), with no limit on the

number of Bonus Points you can earn.

• For example, if you made $1,000 in Net

Purchases through the Travel Center, you

would earn 1,500 Base Points and 1,500

Bonus Points, totaling 3,000 Points.

• The Travel Center Bonus is calculated

and awarded separately from any other

Bonus Points (such as the Customer

Points Bonus described on page 2).

• For example, if you are eligible to receive

the Customer Points Bonus and your Net

Purchases made through the Travel

Center totaled $1,000, you would earn

1,500 Base Points, 150 Customer Points

Bonus, and 1,500 Travel Center Bonus,

totaling 3,150 Points.

• To access the Travel Center, sign in

to your Online Banking account at

bankofamerica.com, select your Travel

Rewards account, select “Rewards,” and

then click “Redeem Points,” or call

800.497.1159.

If I’m a Bank of America

customer or Merrill Lynch client

who has qualified for and

enrolled in the Preferred

Rewards/Banking Rewards for

Wealth Management Program,

how do I earn the Preferred

Rewards/Banking Rewards for

Wealth Management Bonus

(“Preferred Rewards/Banking

Rewards Bonus”)?

What you should know

• To be qualified for enrollment in the

Preferred Rewards/Banking Rewards for

Wealth Management Programs, you must

own certain Bank of America deposit

accounts and maintain specific balances

in Bank of America deposit accounts and/

or in Merrill Lynch investment accounts.

Details are available at

bankofamerica.com/preferred-rewards.

• After enrolling in the Preferred Rewards/

Banking Rewards for Wealth

Management Programs, or if you are

already enrolled and open a new Card, it

may take up to 45 days for the Preferred

Rewards/Banking Rewards Bonus to

become active on your Card(s).

• If you move to a higher (or lower) reward

tier, it may take up to five days for the

higher (or lower) Preferred Rewards/

Banking Rewards Bonus to become

active on your existing Cards.

• For enrolled clients who change their card

type, as long as the new Card is an

Page 4

eligible credit card, it may take up to five

days for the Preferred Rewards/Banking

Rewards Bonus to become active on the

new Card. A complete list of ineligible

cards is available at bankofamerica.com/

preferred-rewards.

• If more than one Cardholder on a Card

account (Primary Cardholder and Joint

Cardholder) is enrolled in the Preferred

Rewards/Banking Rewards for Wealth

Management Program, the account will

receive the Preferred Rewards/Banking

Rewards Bonus level based on the

Cardholder with the higher tier.

• If a Joint Cardholder with a higher tier

is added to a Card account, it may take

up to 45 days for the higher Preferred

Rewards/Banking Rewards Bonus to

become active on that Card.

• Your Preferred Rewards/Banking

Rewards for Wealth Management

Program enrollment status and tier can

change depending on the balance you

maintain in your qualifying deposit/

investment account(s).

• The Preferred Rewards/Banking

Rewards Bonus will replace the

Customer Points Bonus detailed above.

• For example, if you were enrolled in the

Preferred Rewards Platinum tier (50%

bonus earn rate) and your Net Purchases

made through the Travel Center totaled

$1,000, you would earn 1,500 Base

Points; 1,500 Travel Center Bonus

Points; and 750 Preferred Rewards

Bonus Points, totaling 3,750 Points.

How the Preferred Rewards/Banking

Rewards Bonus works

• If either the Primary Cardholder or Joint

Cardholder on the account is enrolled

in the Preferred Rewards/Banking

Rewards for Wealth Management

Programs, the Preferred Rewards/

Banking Rewards Bonus will be added as

Bonus Points to the Base Points you earn

with each $1 spent on Net Purchases.

• The amount of Bonus Points you earn

depends on your Preferred Rewards/

Banking Rewards for Wealth

Management Program enrollment status

and tier at the time the purchase posts to

your account as follows:

- Gold tier (25% bonus earn rate): Earn

1.87 Points (.37 Bonus Points + 1.5

Base Points)

- Platinum tier (50% bonus earn rate):

Earn 2.25 Points (.75 Bonus Points +

1.5 Base Points)

- Platinum Honors tier (75% bonus earn

rate): Earn 2.62 Points (1.12 Bonus

Points + 1.5 Base Points)

- Banking Rewards for Wealth

Management (75% bonus earn rate):

Earn 2.62 Points (1.12 Bonus Points +

1.5 Base Points)

• For example, if you earn 100 Base

Points, the Preferred Rewards Bonus

(based on your tier when the purchase

posts to your account) will add 25, 50, or

75 Bonus Points, totaling 125, 150, or

175 Points.

What are the types of Rewards?

Use your Points to enjoy a variety of

Rewards, including:

• Travel Credit

• Cash

• Gift Cards

While Travel Credit is the best value for

your Points, how you redeem is up to you.

How do I redeem my Points?

Just sign in to your Online Banking

account at bankofamerica.com, select

your account, select “Rewards,” and click

“Redeem Points,” or call 888.268.7800.

What you need to know

• Points are available for redemption as

soon as they appear on your monthly

billing statement.

• The most up-to-date number of Points

you have available to redeem (which

reflects any Points adjustments,

transfers, or redemptions) is available

Page 5

online or at the number above and may

differ from the available Points shown on

your last monthly billing statement.

• You can only redeem Points in whole-

Point increments, but any fractions of

Points will continue to accumulate toward

the next whole Point for future

redemptions.

• If your account loses charging privileges

but regains its good standing before the

point of account closure, your Points will

be available for redemption once the

charging privileges are restored.

• Points cannot be redeemed if the

account is not in good standing at the

time of redemption.

• Points accrued during any Billing Cycle

in which the account is two cycles or

greater past due at the end of the Billing

Cycle will not be awarded.

• In order to redeem for Rewards, you

must be an individual (no corporations,

partnerships, or entities).

• If the owner(s) of the Card account

voluntarily closes the Card account, or if

for any reason We close the Card

account, any unused Points associated

with the account are subject to

immediate forfeiture, unless specifically

authorized by Us within 90 days of the

closure.

• However, if the Card account is closed in

connection with a death or incapacity of

the Card account owner, Points eligible

for redemption may be redeemed if an

authorized representative of the estate,

as determined by Us, requests Points

redemption within 57 days of an account

closure. Whether Points are eligible for

redemption depends on the final status

of the account, is subject to the account

being closed and paid in full, and is in

Our sole discretion. Rewards will only be

issued upon request and in the name of

the deceased Primary Cardholder. In the

event redemptions are mailed, they are

sent in the name of the deceased

Primary Cardholder and to the address

We have in Our system of record for that

person. These redemption provisions do

not apply to jointly held accounts where

there is at least one surviving owner of

an account.

• When you request a Reward, Points will

be deducted from your account based on

the Point value of the specific Reward on

the date of the request.

• All redemptions are final once processed.

• You can’t transfer or sell Points to

another person. However, you may be

able to transfer Points from one

Bank of America account to another.

Call for more information to see if your

account qualifies.

• Points are non-negotiable and have no

cash value except when redeemed for

Cash Rewards.

• For new customers, accrual of Points

may begin on the date We mail the Card

and the Credit Card Agreement to you. If

you are an existing credit card customer

and your account is converted to the

Program, you may not earn Points until

the first day of the Billing Cycle,

beginning after you receive the Card(s).

• There is no expiration date on your

Points, as long as your account remains

in good standing.

Travel Credit Rewards

You can redeem Points for a statement

credit in U.S. dollars to offset qualifying

travel purchases.

• You can visit the Site or call Us to

redeem Points for a travel statement

credit (issued in U.S. dollars) to offset

qualifying travel purchases. Eligible travel

purchases can be found on the Site.

• The Redemption value of your Points is

1%. For example: 2,500 Points = $25.00

travel statement credit.

• Travel Credit Rewards redemptions start

at 2,500 Points.

• Travel Credit Rewards can be redeemed

in increments of 1 Point.

Page 6

• There is no limit to the number of Points

you can redeem.

• Check the Site for the current redemption

value of your Points for Travel Credit

Rewards as they may vary and are

subject to change.

What you should know

• The minimum redemption value for a

Travel Credit is $25 or multiple individual

credits that total at least $25 redeemed

in one event.

• Purchases will be available for

redemption for a Travel Credit on the Site

and by phone for a period of up to 12

months from the posting date of the

transaction.

• Redeemed Points will be deducted from

your Points balance on the date you

request the Travel Credit, which will be

applied to your existing balance with the

highest priced Annual Percentage Rate

(APR).

• Receipt of a Travel Credit does not

affect your responsibility to pay your

Minimum Payment Due.

• Qualifying travel purchases include

purchases made from the Travel Center

or travel purchases made in the following

merchant category codes (MCCs):

- Airlines, Air Carriers (MCCs 3000-3350,

representing individual major airline

carriers, and 4511-Airlines/Air Carriers)

- Lodging — Hotels, Motels, Resorts

(MCCs 3501-3999 – representing

individual major hotel/motel chains

and 7011-Hotels/Motels/Resorts)

- Car Rental Agencies

(MCCs 3351-3500 – representing

individual major agencies;

7512-Automobile Rental Agency and

7513-Truck and Utility Trailer Rentals)

- Cruise Lines (MCC 4411)

- Taxicabs and Limousines (MCC 4121)

- Travel Agencies and Tour Operators

(MCC 4722)

- Passenger Railways (MCC 4112)

- Direct Marketing —Travel Related

Arrangement Services (MCC 5962)

- Toll and Bridge Fees (MCC 4784)

- Automobile Parking Lots and Garages

(MCC 7523)

- Transportation — Suburban and Local

Commuter Passenger, including Ferries

(MCC 4111)

- Bus Lines (MCC 4131)

- Airport, Airport Terminals, Flying Fields

(MCC 4582)

- Package Tour Operators — for Germany

Use Only (MCC 4723)

- Transportation Services — not

elsewhere classified (MCC 4789)

- Real Estate Agents and Managers —

Rentals (MCC 6513)

- Timeshares (MCC 7012)

- Campgrounds and Trailer Parks

(MCC 7033)

- Motor Home and Recreational Vehicle

Rental (MCC 7519)

- Tourist Attractions and Exhibits

(MCC 7991)

- Art Dealers and Galleries (MCC 5971)

- Amusement Parks, Carnivals, Circuses,

Fortune Tellers (MCC 7996)

- Aquariums, Dolphinariums, Zoos, and

Seaquariums (MCC 7998)

- Boat Leases and Boat Rentals

(MCC 4457)

- Recreation Services — not elsewhere

classified (MCC 7999)

Cash Rewards

• You can redeem Points for an electronic

deposit into an Eligible Account, or a check.

• The Redemption value of your Points is

$0.006. For example: 2,500 Points =

$15.00 in Cash Rewards.

• Cash Rewards redemptions start at

2,500 Points.

• Cash Rewards can be redeemed in

increments of 1 Point.

Page 7

• There is no limit to the number of Points

you can redeem.

• Redemption values resulting in fractions

of Cash Rewards will be rounded up to

the nearest whole cent.

• This information is available on the Site

and is subject to change.

Redemptions for an Electronic Deposit

into an Eligible Account

• When you redeem for an electronic

deposit into an Eligible Account, We will

send it to the account you have indicated

within five business days of your request.

• If an electronic deposit is rejected for any

reason, We will void the deposit and

reinstate the Points to your Card

account.

• If an electronic transfer is rejected, We

will notify you within 15 business days of

your request at the email address on file.

Requesting a check

• Cash Rewards checks will only be made

payable to the individual designated by

Us as the Primary Cardholder.

• We will mail each check to the Primary

Cardholder’s billing address via

first-class U.S. mail within 14 business

days of the redemption.

• Checks can only be sent within the 50

United States and U.S. territories.

• We are not responsible for lost, stolen or

undelivered checks.

• Requests for multiple checks are

processed and mailed separately.

• Checks are valid for 90 days from date of

issue. An expiration date will appear on

each check.

• We will void any check that is not

presented for payment before the

expiration date. In such cases, We will

award the Cash Rewards as a statement

credit posting to your Card within two

Billing Cycles following the expiration

date. This will appear on your account as

a retail credit adjustment.

• There is no limit to the number of checks

you can receive.

Gift Card Rewards

Use your Points for gift cards from a

variety of retailers.

Shopping online

• Browse the Site for gift card options

which are updated regularly.

About gift cards

• Rewards may be issued as gift cards or

gift certificates.

• The names and logos of merchants are

used with permission of the merchants

and all trademarks are the property of

their respective owners.

• Your Program does not guarantee the

availability of a specific gift card, and the

choices available may change without

notice.

• Gift cards/certificates are subject to the

terms and conditions set by the merchant/

retailer who issues the gift card/certificate.

• Visa

, Mastercard

and American

Express

branded gift cards expire if not

used prior to the expiration date on the

card (approximately 12 months).

Additional fees may apply. Visa

Mastercard

and American Express

gift

card terms and conditions will be sent

with the card.

• For gift card redemption values, please

visit the Site.

Shipping

• Gift cards can only be shipped within the

50 United States and U.S. territories.

• Gift cards can be sent to a P.O. Box

or street address.

• Check the Site for gift card shipping terms.

Additional Terms

Travel Center

• All travel arrangements are subject to

availability.

• Exchanges or refunds for no-shows or

unused portions of travel aren’t allowed.

Make sure you provide proper proof of

citizenship or naturalization, if required.

Page 8

• Fees may be charged by the Program

for changes and cancellations of travel

bookings after travel reservations are

confirmed. Additional fees may be

imposed by an airline, car rental

company or hotel based on their change

and cancellation policies. Any applicable

change and cancel fees will be disclosed

at the time of booking or cancellation.

• Travel documents will be sent to the

email address you provide at the time

of purchase.

• Travel Center is not responsible for travel

itinerary changes made by the airlines.

Contact the airline prior to departure for

any changes or delays.

• Availability of certain airlines, flights, car

rental companies and hotels are limited

to those on the Travel Center reservation

system. Not all airlines, flights, car rental

companies and hotels may be available.

• Travel pricing is subject to availability at

the time of purchase.

• Hotel mandated fees, such as resort

fees, are not included in the travel

purchase price.

• There may be age restrictions for airline,

car rental and hotel reservations. Contact

the airline, car rental company or hotel

directly for details.

• Seating requests made at the time of

booking are not guaranteed. Contact

airlines directly to confirm your seats.

Program changes

Changes to the Program and the Program

Rules may occur from time to time. When

any change is made, We will post revisions

on the Site. In some cases, We may notify

you of changes by mail. However, it’s your

responsibility to review the Site or any

correspondence to stay aware of any

changes.

We may choose to:

• Discontinue or change the redemption

options or values at any time.

• Discontinue or replace any Reward with a

similar one of equal or greater value.

• Change any part of the Program,

Program Rules or participating partners,

Rewards or special offers.

• Terminate the Program or discontinue

your participation in it for any reason.

For example, We may disqualify you

from earning and redeeming Points if

We find that you or someone else used

your account in a way that breaks the

Program Rules.

Changes may also affect outstanding

transactions and Points, including:

• The earnings rate for Points

• The minimum amount of Points required

for redemption

• The types of transactions that qualify

for Points

• The type or value of Rewards

• The expiration date of Points, and the

maximum number of Points that may

be earned per month, year or other

time period

The Program is not scheduled to end on

a predetermined date.

Disputes regarding Points

• Discrepancies about Points earnings

are not treated as Card billing disputes.

Please refer to your Credit Card

Agreement or the annual Your Billing

Rights notice for details about billing

disputes.

• All decisions regarding Points disputes

shall be final.

Refunds on Card transactions

If you earn Points with a Card transaction

that is later refunded — and you redeem

those Points for a Reward — We may:

• Stop payment on any checks

• Withhold subsequent Points

• Collect any amounts you owe; this may

include charging an equivalent dollar

amount to your Card in the form of a

Bank Cash Advance

Page 9

Combining Points, Rewards and other

special promotions

Unless specifically authorized by Us,

Points and Rewards may not be combined:

• With other discounts, special rates,

promotions or other reward programs

offered by Us

• With any other entity, including airline

frequent flier, hotel frequent guest or

other travel-related or membership

reward charge, or credit card program

Program administration

• Bank of America, N.A. manages the

Cash Rewards portion of the Program.

• Bank of America, N.A. is the exclusive

issuer and administrator of the Program.

• An independent third party manages the

gift card and certificate Rewards portions

of the Program.

• An independent third-party travel agency

manages the travel portion of the Program.

• Registered seller of travel numbers for

Expedia are: California registration number:

2029030-50, Florida registration number:

ST-31901, Hawaii registration number:

TAR-5461, Iowa registration number: 601,

Nevada registration number: 2002-0758,

Washington registration number:

601975803. Registration as a seller of

travel in California does not constitute the

state’s approval.

General liability

The Card is separate and distinct from

any accounts you may have with

Bank of America and its affiliates.

Approval of this Card account does not mean

that any other account will be established for

you.

You agree to release Bank of America, N.A.

and any of its affiliates from all liability,

including:

• Any injury, accident, loss, claim, expense or

damages you or anyone with you

experience when using any Reward. If at

all, the sole extent of any liability will not

exceed the actual value of the Reward.

• Any claims, expenses and legal fees

arising from or related to any violation

of the Program Rules by you or anyone

using your Card account.

• Any typographical errors or omissions

in any Program-related document.

• The use of any personal or other

information you provide to any merchants

in connection with processing your Reward.

• Delayed or lost correspondence sent by

U.S. mail or any other form of delivery,

including email.

• Any error, omission, interruption, deletion,

defect, delay, theft, destruction, or

unauthorized access to, or alteration of,

Points you earn or redeem.

Third-party suppliers are independent

contractors; they aren’t employees of

Bank of America, N.A., Visa U.S.A., Inc.,

or any of their affiliates.

We do not endorse or guarantee any of the

goods, services or information provided by

the Program’s third-party suppliers.

You agree that to process your

transactions, the information you provide

will be disclosed to merchants and other

parties involved in your transaction.

Examples of such information include your

shipping address, Card number and billing

information.

Rewards may constitute taxable income

to you and you are responsible for any tax

liability that may arise from receiving

Rewards. You may be issued an Internal

Revenue Service Form 1099 (or other

appropriate form) that reflects the value of

Rewards. Please consult your tax advisor,

as neither We, nor Our affiliates, provide

tax advice.

All aspects of the Program are governed

by the laws of the State of North Carolina.

In states that don’t allow the disclaimer

of warranties or exclusion of liability,

the above limitations may not apply.

For information about Our rights and your

responsibilities regarding the online portion

of the Program, see the Terms of Use at

the Site.

Page 10

Investment products:

• Are Not FDIC Insured

• Are Not Bank Guaranteed

• May Lose Value

Service marks and trademarks

Merrill Lynch Wealth Management,

Merrill Edge, Cash Management Account,

Bank of America and the Bank of America

logo are registered trademarks of

Bank of America Corporation.

Visa is a registered trademark of Visa

International Service Association and is

used by the issuer pursuant to license

from Visa U.S.A. Inc.

Mastercard is a registered trademark of

Mastercard International Incorporated and

is used by the issuer pursuant to license.

American Express is a federally registered

service mark of American Express and is

used by the issuer pursuant to a license.

All other company, product and service

names may be trademarks or service

marks of others and their use does not

imply endorsement or an association with

this Program.

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