Endless possibilities await you.

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1 Endless possibilities await you Benefits & Rewards Guide MERRILL+ Visa Signature Credit Card

2 Endless Possibilities Card Benefits... 4 Personalized Service... 7 Leading Security... 8 Travel Possibilities Flexible Rewards Travel Offers Travel Benefits Cover: London, England Right: Pythagorion, Samos, Aegean Islands, Greece Credit card products are issued and administered by FIA Card Services, N.A. Visa and Visa Signature are registered trademarks of Visa International Service Association, and are used by the issuer pursuant to license from Visa U.S.A. Inc. Merrill Lynch, MERRILL+, Merrill Lynch Wealth Management, the Bull symbol, Merrill Lynch Cash Management Account, Cash Management Account, CMA, Working Capital Management Account, WCMA, Merrill Points and Beyond Rewards are registered trademarks of Bank of America Corporation. All other company and product names and logos are the property of others and their use does not imply endorsement of, or an association with, the rewards program. Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer and Member SIPC, and other subsidiaries of Bank of America Corporation. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value 2013 Bank of America Corporation Shopping Possibilities Retail Offers Gift Card Rewards Retail Protection Program Details To learn even more about all your card has to offer you in 2013 and beyond, sign in at card.ml.com.

3 THE MERRILL+ VISA SIGNATURE CREDIT CARD Welcome to your 2013 Benefits & Rewards Guide, where you ll discover endless reasons to use your card for all your travels. 2

4 3 Powerscourt Gardens, Co Wicklow, Ireland Endless possibilities.

5 Endless Possibilities Card Benefits Premium benefits, rewards and service and still no annual fee. 1 Travel further. Use your MERRILL+ credit card all over the world there s no foreign transaction fee 1 and its smart chip technology means it s widely accepted by international merchants. Plus, you ll always be prepared for the unexpected with Lost Luggage Reimbursement, Trip Assurance, Emergency Evacuation and Auto Rental Collision Damage Waiver. 2 Be rewarded. Every time you use your card for purchases, you earn Merrill Points in the Beyond Rewards program. Redeem your points for gift cards starting at 2,500 points, cash or travel including air travel starting at just 25,000 points with no black-out dates or required Saturday-night stays. 3 Expect personal service. Enjoy the convenience of having 24/7 Customer Service, Merrill Lynch Concierge 4 and Merrill Lynch Travel Advisors, at hand, ready to assist you with nearly any request. Shop confidently. You will not be held liable for fraudulent purchases with $0 Liability Guarantee. 5 What s more, you ll enjoy the benefits of Early Fraud Monitoring, Purchase Security and Warranty Manager. 6 1 See Credit Card Agreement for details. 2 See TRAVEL BENEFITS on page 32 in Program Details for important details. 3 See ANYTIME, ANYWHERE, ANY AIRLINE AIR REWARDS on page 28 in Program Details for important details. Air rewards start at 25,000 Merrill Points and a maximum dollar value of $500 for flights on the following carriers: American Airlines, Delta Air Lines, United Airlines and British Airways. Air Rewards start at 30,000 Merrill Points for all other carriers. Reservation and ticketing require at least a 21-day advance notice. If the advance notice requirement restriction is not met, the ticket will require an additional 5,000 Merrill Points. Certain terms, conditions and exclusions apply. Please visit card.ml.com for further details. 4 See MERRILL LYNCH CONCIERGE on page 32 in Program Details for important details. 5 See SECURITY on page 32 in Program Details for important details. 6 See RETAIL PROTECTION on page 32 in Program Details for important details. 4

6 Endless Possibilities Card Benefits Earn points when you use your card for all your purchases. Not only will you enjoy leading security, travel and shopping benefits every time you use your MERRILL+ credit card, but you ll also earn Merrill Points. Earn 1 point for every net retail dollar you spend on purchases and redeem for a variety of valuable rewards. 1 Set up recurring payments on your card. Earn even more points when you set up your monthly bills such as utilities, gym membership, Internet, phone or other service providers to be billed automatically to your MERRILL+ credit card. Turn points into rewards. Choose from travel, gift card or cash rewards including: n Deposit into a Bank of America checking or savings account or a Merrill Lynch Cash Management Account (CMA ) 2 n MERRILL+ credit card statement credit To redeem or check your point balance: Sign in at card.ml.com 5 Marina Bay, Singapore 1 See EARNING AND REDEEMING MERRILL POINTS HIGHLIGHTS on page 28 in Program Details for important details. 2 The CMA account is a securities account with Merrill Lynch, Pierce, Fenner & Smith Incorporated. The account provides access to services and products offered by licensed banks, including checking and FDIC-insured deposits that are held at the banks. Securities, mutual funds and other non-deposit investment products available through the account are not FDIC insured, not guaranteed by a bank and may lose value.

7 Endless Possibilities Card Benefits The possibilities get better the more you use your card. Virtually every dollar you spend on purchases moves you closer to achieving Plus Level granting you access to a broader selection of new benefits and offers. Spend $50,000 or more a year on your card and receive: Plus Level Airport Lounge Access Complimentary airport lounge membership choose from one of the three options: 1 n American Airlines Admirals Club n Delta Sky Club n LOUNGE CLUB Plus Level Travel and Retail offers Hertz : Up to 20% savings on Hertz rentals; plus $40 off weekly rentals; up to $25 off weekly or weekend rentals; and complimentary two-car class upgrade Luggage Forward : Up to 20% off luggage delivery 1 Membership is valid for one year beginning in the month requested or, if you have a current membership, one year will be added to the expiration date. Full terms and conditions for membership are available for review at aa.com/admiralsclub, delta.com/skyclub or loungeclub.com. Additional restrictions apply to all offers. See Program Details on pages for important details or visit card.ml.com. Offers are subject to change without notice. Merrill Lynch reserves the right to amend or discontinue these promotions at any time. 6

8 Endless Possibilities Personalized Service Life is busy. Leave it to us. Who couldn t use the assistance of a personal concierge trained to turn your vision into reality? Whether it s as simple as arranging car service to the airport or getting tickets to a Broadway show, Merrill Lynch Concierge 1 can help. To speak with a Merrill Lynch Concierge: Call and say Concierge Plan the trip of a lifetime. Merrill Lynch Travel Advisors are on-hand to assist you in building the itinerary of your dreams for your next vacation. From finding a destination to reserving a car, you ll be amazed at how easy planning and booking your next adventure can be. Prefer to book your travel online? You can use Merrill Lynch s Online Travel Reservations Service at card.ml.com to book air travel, car rentals, hotel stays and activities. To speak with a Merrill Lynch Travel Advisor: Call and say Travel Expect stellar service. Customer service representatives are available 24 hours a day, 365 days a year to answer your account questions. Or, sign in at card.ml.com to redeem for rewards and see all your card has to offer. To reach Customer Service: Call Cabo San Lucas, Baja, Mexico 1 See MERRILL LYNCH CONCIERGE on page 32 in Program Details for important details.

9 Endless Possibilities Leading Security Limpopo, South Africa Trust that you re protected. $0 Liability Guarantee. 1 You are not held responsible for fraudulent credit card purchases. If you notice a fraudulent purchase, please notify us promptly and it will be credited to your account, often as soon as the next day. Early Fraud Monitoring. Changes in your spending patterns are instantly detected using leading behavioral technology and data analysis. If fraud is suspected, you are alerted immediately. 1 See SECURITY on page 32 in Program Details for important details. 8

10 Travel possibilities. Travel further. Experience more. 9 Machu Picchu, Peru

11 Turn your Merrill Points into travel. Airport Lounge Access 1 Redeem 35,000 Merrill Points for a one-year membership in American Airlines Admirals Club or Delta Sky Club. When you reach Plus Level, you can receive complimentary airport lounge access without redeeming points. See page 13 for details. To redeem: Call and say Shopping British Airways Avios Receive 5,000 Avios for every 5,000 Merrill Points you redeem when you have a British Airways Executive Club account. Turn your Avios into air travel on British Airways or any oneworld partner. To redeem: Call and say Shopping Dollars Off Air Travel Redeem 10,000 Merrill Points for $100 off an airline ticket. To redeem: Call and say Travel NetJets Flight Time Redeem your points for flight time on NetJets. Redeem for as much as you need, with a minimum of 336,000 Merrill Points per hour. To redeem: Call and say Shopping Delta Private Jets TM Flight Time Redeem your points for flight time on Delta Private Jets TM. Redeem for as much as you need, with a minimum of 300,000 Merrill Points per hour. To redeem: Call and say Shopping Hotel Stays, Cruises & More It s simple redeem for any amount, beginning at just 2,500 Merrill Points. To redeem for cruises, tours, hotel stays or car rentals: Call and say Travel To redeem for air travel, hotel stays or car rentals: Sign in at card.ml.com 1 Membership is valid for one year beginning in the month requested or, if you have a current membership, one year will be added to the expiration date. Certain lounges may limit access based on availability. Full terms and conditions for membership are available for review at aa.com/admiralsclub or delta.com/skyclub. 2 See ANYTIME, ANYWHERE, ANY AIRLINE AIR REWARDS on page 28 in Program Details for important details. Air rewards start at 25,000 Merrill Points and a maximum dollar value of $500 for flights on the following carriers: American Airlines, Delta Air Lines, United Airlines and British Airways. Air Rewards start at 30,000 Merrill Points for all other carriers. Reservation and ticketing require at least a 21-day advance notice. If the advance notice requirement restriction is not met, the ticket will require an additional 5,000 Merrill Points. Certain terms, conditions and exclusions apply. Please visit card.ml.com for further details. Rocky Mountains, Banff National Park, Alberta, Canada American Airlines, British Airways, Delta Air Lines and United Airlines flights start at just 25,000 Merrill Points. Travel Possibilities Flexible Rewards Anytime, Anywhere, Any Airline 2 Redeem your points for air travel and enjoy the freedom of choice with no blackout dates or required Saturday-night stays. Plus, you can choose your airline and you ll still earn frequent flyer miles on your redeemed flight. n American Airlines, British Airways, Delta Air Lines and United Airlines flights start at just 25,000 Merrill Points, up to $500 in value. n All other carrier flights start at just 30,000 Merrill Points. To redeem: Sign in at card.ml.com 10

12 Travel Possibilities Air Travel Offers Complimentary Flight Hour 1 With your first 25-hour Marquis Jet Card, you receive one additional flight hour on the same aircraft type purchased, so you effectively get 26 hours of flight time while paying for 25. Simultaneous Usage & Guaranteed Upgrades 2 During the first year of owning a NetJets Share or NetJets Lease, you are guaranteed access to two aircraft at the same time, and you have guaranteed aircraft upgrades up to three times. Complimentary Private Aviation Consultation A NetJets Sales Executive will help you select the private aviation solution that best meets your needs. Complimentary Ground Transportation 3 With the purchase of your first Marquis Jet Card, you ll enjoy six hours of executive town car transportation from Savoya anywhere in the continental United States. To speak to a NetJets Sales Executive: Call Any applicable taxes, fees, and other charges, including a fuel variable, may apply and are the responsibility of the Marquis Jet Card Owner. 2 Restrictions and fees apply. 3 Blackout dates and additional restrictions may apply. Benefits apply only to MERRILL+ Visa Signature cardholders. Additional restrictions apply to all offers. See Program Details on pages for important details or visit card.ml.com. Offers are subject to change without notice. Merrill Lynch reserves the right to amend or discontinue these promotions at any time.

13 Travel Possibilities Air Travel Offers Delta Air Lines Discounted Flights from New York to London Fly BusinessElite from New York (JFK) to London (LHR) with special fixed fares and exclusive discounts. Up to 15% Off Caribbean and Mexico Flights Fly First Class or Economy Class to the Caribbean or Mexico and get up to 15% off your ticket price. Up to 15% Off New York to or from Los Angeles or San Francisco Fly BusinessElite or Economy Class and get up to 15% off your ticket price. Up to 20% Off Trans-Pacific Flights Fly BusinessElite or Economy Class and get up to 20% off your ticket price. To make your reservation: Call and say Shopping Delta Private Jets TM With the purchase of your first Delta Private Jets Card, which can be used to purchase flights on Delta Private Jets or Delta, you ll receive: n One complimentary flight hour on a light cabin aircraft n Guaranteed simultaneous usage of up to three aircraft (excluding peak days) n Access to a dedicated Personal Concierge for Delta Air Lines and Delta Private Jets reservations. To purchase your Delta Private Jets Card: Call See DELTA AIR LINES on page 30 in Program Details for additional terms. Discounts apply to select published fares in certain booking classes and may vary by fare code or city pairs. A Merrill Lynch Travel Advisor will explain all rules, surcharges and additional fees at the time of booking. Additional restrictions apply to all offers. See Program Details on pages for important details or visit card.ml.com. Offers are subject to change without notice. Merrill Lynch reserves the right to amend or discontinue these promotions at any time. 12

14 Travel Possibilities Air Travel Offers Airport Lounge Access Complimentary Membership Plus Level Only As the primary cardholder, you are eligible to choose from one of three complimentary airport lounge memberships when you reach Plus Level by spending $50,000 or more a year on your MERRILL+ credit card. American Airlines Admirals Club Complimentary one-year individual membership in American Airlines Admirals Club, granting you and up to two accompanying guests unlimited lounge access. Membership is valid for one year beginning in the month requested or, if you have a current membership, one year will be added to the expiration date. (Full terms and conditions for Admirals Club membership are available for review at aa.com/admiralsclub.) Delta Sky Club Complimentary one-year membership in Delta Sky Club, granting you and your accompanying immediate family, or any two guests, unlimited lounge access. Membership is valid for one year beginning in the month requested or, if you have a current membership, one year will be added to the expiration date. (For complete Delta Sky Club terms, conditions and house rules, please visit delta.com/skyclub.) To enroll in one of three options above: Call and say Shopping LOUNGE CLUB Complimentary one-year membership in LOUNGE CLUB your key to over 350 airport VIP lounges worldwide. You ll receive 10 complimentary visits to participating lounges during the membership year, which can be used by you and/or an accompanying guest(s). After the first 10 visits, you simply pay the applicable lounge visit fee, currently $27 per person (per visit), for yourself and any accompanying guest(s) when you visit a participating lounge. (Visit loungeclub.com to view the current list of participating lounges.) 13 Additional restrictions apply to all offers. See Program Details on pages for important details or visit card.ml.com. Offers are subject to change without notice. Merrill Lynch reserves the right to amend or discontinue these promotions at any time.

15 Hertz Up to 20% Additional Savings As a MERRILL+ credit cardholder, you are eligible to receive up to 20% additional savings on your Hertz rental (include CDP# in your reservation). Travel Possibilities Car Rental Offers $50 Off Monthly Rentals Save $50 on monthly rentals (include PC# in your reservation). Complimentary One-Car Class Upgrade Enjoy a one-car class upgrade on weekly or weekend rentals (include PC# in your reservation). $25 Off Weekly Full-Size or Higher Car Class Rentals Save $25 on weekly airport rentals of a full-size or higher car class (include PC# in your reservation). $20 Off All Weekly Rentals Save $20 on weekly rentals at the airport or in your neighborhood (include PC# in your reservation). Up to $15 Off Weekend Rentals Save $5 a day, up to $15 off weekend rentals at the airport or in your neighborhood (include PC# in your reservation). $10 Off Rentals Save $10 off your minimum of two-day rental (include PC# in your reservation). Plus Level offers Table Mountain National Park, Cape Town, Western Cape, South Africa To see more offers or make your reservation: Go to hertz.com/mloffers or call $40 Off Weekly Rentals Save $40 on weekly rentals of a Hertz Prestige Collection or Hertz Adrenaline Collection vehicle (include PC# in your reservation). Up to $25 Off Weekly or Weekend Rentals Save up to $25 on weekly or weekend rentals (include PC# in your reservation). Complimentary Two-Car Class Upgrade Enjoy a two-car class upgrade on weekly or weekend rentals (include PC# in your reservation). Additional restrictions apply to all offers. See Program Details on pages for important details or visit card.ml.com. Offers are subject to change without notice. Merrill Lynch reserves the right to amend or discontinue these promotions at any time. 14

16 Travel Possibilities Hotel Offers 15 Dunnottar Castle, Scotland

17 Double Merrill Points Every time you use your MERRILL+ credit card to book a hotel through your card s Online Travel Reservations Service or a Merrill Lynch Travel Advisor, you ll earn Double Merrill Points. Travel Possibilities Hotel Offers St. Regis The St. Regis Bahia Beach Resort Complimentary Amenities and More Receive complimentary amenities and upgrades 1 when you stay at select St. Regis properties. To view the 21 participating properties, see HOTEL OFFERS on page 31 in the Program Details or visit card.ml.com. The St. Regis Punta Mita Resort, Mexico n Full breakfast for two daily n $100 spa treatment credit for the resort s Remède Spa (per room, per stay) n Room upgrade 1 n Early check-in and late check out 1 The St. Regis Deer Valley, Utah n Continental breakfast for two daily at J&G Grill n $100 food and beverage credit (per room, per stay) n Customized welcome amenity n Room upgrade, early check-in and The St. Regis Bahia Beach Resort, Puerto Rico n Full breakfast for two daily at Fern restaurant n $100 resort credit (per room, per stay) n Room upgrade 1 n Early check-in and late check out 1 late check out 1 To make your reservation: Call and say Travel (mention Hotel Amenity Offers ) To take advantage of the St. Regis offers, you must book January 1 through October 27, 2013, with travel completed by December 31, Subject to availability. Additional restrictions apply to all offers. See Program Details on pages for important details or visit card.ml.com. Offers are subject to change without notice. Merrill Lynch reserves the right to amend or discontinue these promotions at any time. 16

18 Travel Possibilities Hotel Offers Westin Hotels & Resorts and W Hotels Worldwide Complimentary Amenities and More Receive complimentary amenities and upgrades 1 when you stay at select Westin and W properties. To view the 31 participating properties, see HOTEL OFFERS on pages 31 in the Program Details or visit card.ml.com. The Westin Resort & Spa, Los Cabos n Buffet breakfast for two daily at La Cascada Restaurant n $100 spa credit (per room, per stay) n Room upgrade 1 and late check out 1 The Westin Excelsior Rome n Full breakfast for two daily at Doney Restaurant (also available with room service) n One lunch for two (per room, excludes alcoholic beverages) n Room upgrade 1 n Early check-in and late check out 1 W Scottsdale Hotel & Residences n Full breakfast for two daily (up to $40 per room, per day) n $50 Sushi Roku gift card (per room, per stay) n Room upgrade 1 and late check out 1 The Westin Resort & Spa, Los Cabos To make your reservation: Call and say Travel (mention Hotel Amenity Offers ) 17 Double Merrill Points Every time you use your MERRILL+ credit card to book a hotel through your card s Online Travel Reservations Service or a Merrill Lynch Travel Advisor, you ll earn Double Merrill Points. To take advantage of the Westin Hotels and W Hotels Worldwide offers, you must book January 1 through October 27, 2013, with travel completed by December 31, Subject to availability. Additional restrictions apply to all offers. See Program Details on pages for important details or visit card.ml.com. Offers are subject to change without notice. Merrill Lynch reserves the right to amend or discontinue these promotions at any time.

19 Double Merrill Points Every time you use your MERRILL+ credit card to book a hotel through your card s Online Travel Reservations Service or a Merrill Lynch Travel Advisor, you ll earn Double Merrill Points. Travel Possibilities Hotel Offers Sofitel Paris Le Fanbourg Hyatt Hyatt Regency Huntington Beach Resort & Spa Sofitel Luxury Hotels Complimentary Amenities and More Receive complimentary amenities and upgrades 1 when you stay at select Grand Hyatt, Hyatt Regency and Park Hyatt properties. To view the 40 participating properties, see HOTEL OFFERS on page 31 in the Program Details or visit card.ml.com. Hyatt Regency Huntington Beach Resort & Spa, California n Full breakfast for two daily n $75 resort credit (per room, per stay) n Room upgrade 1 n Early check-in and late check out 1 Complimentary Amenities and More Receive complimentary amenities and upgrades 1 when you stay at select Sofitel properties. To view the 15 participating properties, see HOTEL OFFERS on page 31 in the Program Details or visit card.ml.com. Sofitel Paris Le Faubourg n Full breakfast for two daily at Les Collections n Three-course Menu du Chef for guests in Prestige, Collection or Opera Suites 2 n In-room welcome amenity n Room upgrade 1 n Early check-in and late check out 1 To make your reservation: Call and say Travel (mention Hotel Amenity Offers ) To take advantage of Hyatt and Sofitel Luxury Hotels offers, you must book January 1 through October 27, 2013, with travel completed by December 31, Subject to availability. 2 Three-night minimum stay is required and beverages are excluded. Additional restrictions apply to all offers. See Program Details on pages for important details or visit card.ml.com. Offers are subject to change without notice. Merrill Lynch reserves the right to amend or discontinue these promotions at any time. 18

20 Travel Possibilities Cruise Offers Avalon Waterways $100 Additional Savings on Any Avalon Waterways 10-Day Windmills, Vineyards & Paris Wine River Cruise Sailing October 25, 2013 from Paris to Amsterdam on the Avalon Luminary From $3,179 per person n $100 additional savings (per stateroom) To make your reservation or learn about additional cruise offers: Call and say Travel Find More Cruise Offers The featured cruises are just a few of the cruise offers available to you as a cardholder. To learn about more cruise offers call and say Travel Avalon Waterways, Panorama Suite 19 Double Merrill Points Every time you use your MERRILL+ credit card to book a cruise with a Merrill Lynch Travel Advisor, you ll earn Double Merrill Points. To take advantage of Avalon Waterways and other cruiseline offers, you must book January 1 through October 27, 2013, with travel completed by December 31, Additional restrictions apply to all offers. See Program Details on pages for important details or visit card.ml.com. Offers are subject to change without notice. Merrill Lynch reserves the right to amend or discontinue these promotions at any time.

21 Double Merrill Points Every time you use your MERRILL+ credit card to book a cruise with a Merrill Lynch Travel Advisor, you ll earn Double Merrill Points. Travel Possibilities Cruise Offers Seven Seas Mariner at Sea Crystal Cruises Crystal Serenity, Venice Regent Seven Seas Cruises All Crystal Cruises sailings include complimentary specialty restaurant dining, fine wines, champagne, premium spirits and non-alcoholic beverages, as well as gratuities for housekeeping, bar, dining and the Penthouse butler staff. All Regent Seven Seas sailings include unlimited shore excursions, complimentary one-night pre-hotel package, unlimited premium beverages, pre-paid gratuities, 24-hour room service, complimentary specialty dining, butler service in Penthouse Suite and higher, and more. $100 Additional Savings on Any Crystal Cruises Sailing 9-Day Ancient Treasures Cruise Sailing October 17, 2013 from Istanbul to Venice on Crystal Serenity From $3,410 per person n $100 additional savings (per person) n Complimentary private car and driver tour $200 Onboard Credit on Any Regent Seven Seas Cruises Sailing Any 12-Night Cosmopolitan Classics Cruise Sailing December 08, 2013 from Rio de Janeiro to Buenos Aires on Seven Seas Mariner From $5,449 per person n $200 onboard credit (per stateroom) n $200 additional onboard credit (per stateroom) To make your reservation or learn about additional cruise offers: Call and say Travel To take advantage of Crystal Cruises and Regent Seven Seas Cruises offers, you must book January 1 through October 27, 2013, with travel completed by December 31, Additional restrictions apply to all offers. See Program Details on pages for important details or visit card.ml.com. Offers are subject to change without notice. Merrill Lynch reserves the right to amend or discontinue these promotions at any time. 20

22 Travel Possibilities Tour Offers Kenya, Africa St. Peter s Basilica, Rome, Italy The White House, Washington, DC Abercrombie & Kent $250 Additional Savings (per person) on Any Abercrombie & Kent Luxury Small Group Journey Tauck $100 Visa Gift Card (per person) on Any Tauck Tour Monograms $50 Additional Savings (per person) on Any Monograms Vacation 8-Day Kenya Wildlife Safari Tour Discover year-round denizens of endangered black rhinos, lions, reticulated giraffes, leopards and more than 300 bird species in Kenya. From $4,395 per person 1 n $250 additional savings (per person) 14-Day Classic Italy Tour Includes 25 meals and an exclusive after-hours guided visit to the Vatican Museums and the Sistine Chapel. From $6,490 per person 1 n $100 prepaid Visa Gift Card (per person) 4-Day Washington, D.C. Getaway Set on the banks of the Potomac River, Washington, D.C. is an exciting city combining grand government buildings with monuments, memorials and museums. From $379 per person 1 n $50 additional savings (per person) To make your reservation or learn about additional tour offers : Call and say Travel 21 To take advantage of these offers, you must book January 1 through October 27, 2013, with travel completed by December 31, Based on double occupancy. Additional restrictions apply to all offers. See Program Details on pages for important details or visit card.ml.com. Offers are subject to change without notice. Merrill Lynch reserves the right to amend or discontinue these promotions at any time.

23 Travel Benefits No Foreign Transaction Fee Whether you re abroad or simply shopping with a merchant located outside the United States, you ll save on international purchases with no foreign transaction fee. 1 Travel Possibilities Travel Benefits Smart Chip Technology Shop confidently and easily with your card anywhere in the world where Visa is accepted, thanks to your MERRILL+ credit card s smart chip technology. Trip Assurance Ease the hassles of unexpected delays and cancellations with Trip Cancellation, Trip Interruption and Trip Delay benefits (up to $2,500 per covered trip). Emergency Evacuation Insurance Know you are protected with Emergency Evacuation Insurance. Whether it s a medical evacuation or another emergency, you are covered up to $100, Travel and Emergency Assistance You, your spouse and children (dependents under 22 years old), can take advantage of a wide range of emergency services 24 hours a day, 7 days a week. 1 Auto Rental Collision Damage Waiver You are covered for damage due to collision or theft up to the actual cash value of most rental cars when certain terms and conditions are met. Coverage is provided to the cardholder and other authorized drivers permitted by the rental contract. 1 Lost Luggage Reimbursement Receive reimbursement for loss of or damage to your checked and/or carryon baggage when you pay for your Common Carrier passenger fare with your MERRILL+ credit card. 1 Common Carrier Travel Accident Insurance You re automatically covered for up to $1 million in accidental death or dismemberment insurance when you use your MERRILL+ credit card to purchase air travel. 1 1 See TRAVEL BENEFITS on page 32 in Program Details for important details. Mykonos, Greece 22

24 Shopping possibilities. Find something for you or someone you love. 23

25 Shopping Possibilities Retail Offers Blue Nile 10% Off & Free Shipping The largest online retailer of certified diamonds and fine jewelry, Blue Nile is built on the idea that choosing something special doesn t have to be complicated. Blue Nile can help you celebrate with the perfect gift for any occasion. Blue Nile offers an extraordinary selection of high quality diamonds, watches and accessories at outstanding prices. Visit bluenile.com to find the perfect piece of jewelry. Call or visit bluenile.com (reference promo code: MERRILL13) From You Flowers 25% Off Gift Items From You Flowers, associated with 30,000 premier florists worldwide, has the expertise to customcreate a phenomenal gift for every season and any occasion. Besides an elegant and luxurious line of flowers and floral arrangements, From You Flowers designs cookie bouquets and gift baskets that will impress even the most discerning friends, family and colleagues. For gift baskets containing alcohol, the recipient must be over the age of 21. Call or visit fromyouflowers.com/mer (reference promo code: 1188) Luggage Forward Luggage Delivery Savings Luggage Forward is the leading luggage delivery service that guarantees on-time transport of your baggage, golf clubs, skis and more from your doorstep to the destination of your choice, and then back home. n All cardholders receive up to 15% off n Plus Level cardholders receive up to 20% off Call and say Shopping to obtain your promotion code Additional restrictions apply to all offers. See Program Details on pages for important details or visit card.ml.com. Offers are subject to change without notice. Merrill Lynch reserves the right to amend or discontinue these promotions at any time. 24

26 Shopping Possibilities Gift Card Rewards Gift card rewards start at just 2,500 Merrill Points. Tiffany & Co. Neiman Marcus Saks Fifth Avenue Nordstrom Bloomingdale s Pottery Barn Dillard s Barnes & Noble To redeem or view more gift cards: Sign in at card.ml.com 25 Certain terms, conditions and exclusions may apply. See Program Details on pages for important details or visit card.ml.com.

27 Shopping Possibilities Gift Card Rewards Amazon.com Walmart Best Buy The Home Depot itunes Bed Bath & Beyond Macy s Lowe s Darden Restaurants, Inc. Whole Foods Market Marriott International, Inc. The Ritz-Carlton Starbucks Panera Bread BP Shell To redeem or view more gift cards: Sign in at card.ml.com Certain terms, conditions and exclusions may apply. See Program Details on pages for important details or visit card.ml.com. 26

28 Shopping Possibilities Retail Protection Retail Protection Purchase Security Within the first ninety (90) days of the date of purchase, Purchase Security will, at the Benefit Administrator s option, replace, repair items or reimburse you up to a maximum of $10,000 per claim, and $50,000 per cardholder for eligible items of personal property purchased entirely with your MERRILL+ credit card in the event of theft or damage. 1 Warranty Manager Double the free repair period under the original manufacturer s written U.S. repair warranty when you use your MERRILL+ credit card. 1 1 See RETAIL PROTECTION on page 32 in Program Details for important details. 27 Endless possibilities await you as you explore the world with your MERRILL+ Visa Signature credit card. With premium benefits, rewards and service and no annual fee, your card provides extraordinary value with every purchase.

29 Program Details ALL OFFERS MUST BE CHARGED IN FULL TO YOUR MERRILL+ VISA SIGNATURE CREDIT CARD. SEE BELOW FOR DETAILS. Offers, rewards & benefits referenced in this guide are available to holders of the MERRILL+ Visa Signature credit card ( Cardholders or Qualifying Merrill Lynch Cardholder ) and do not apply to any other Merrill Lynch Cards. All offers must be charged in full to the MERRILL+ Visa Signature credit card ( Qualifying Card ). EARNING AND REDEEMING MERRILL POINTS HIGHLIGHTS Earn 1 point per dollar of new net retail purchase transactions (qualifying purchases less credits, returns, and adjustments) charged to the card each billing cycle. Merrill Points are calculated at each transaction and are subject to verification. Fractions of Merrill Points greater than.50 are rounded up and less than or equal to.50 are rounded down. Balance transfers, cash advances, including purchases of money orders or other cash equivalents, purchases made by or for a business or for a business purpose, fees, interest charges, unauthorized/fraudulent transactions and certain other charges do not earn points. Additional terms apply. Program terms may change. Please refer to your full Program Rules that you received with your new account materials or view online at card.ml.com. Please refer to your Credit Card Agreement for information on your account terms. Certain terms, conditions and exclusions apply to the services listed in this guide. Please visit card.ml.com for further details. For the Security & Protection benefits, you must charge the trip to your Qualifying Card in order to be eligible for the benefit. ANYTIME, ANYWHERE, ANY AIRLINE AIR REWARDS Cardholders may redeem Merrill Points for Air Rewards for any scheduled flight, without any blackout dates, on any scheduled carrier published on the major airline reservation system chosen for use by the Program (subject to availability). All ticketing for Air Rewards must be made by the Merrill Lynch Travel Advisor at , who locates the lowest published fares available when booking Air Rewards or by signing in at card.ml.com to book your travel online. Charter flights, consolidator fares, packaged fares, contract fares and Internet pricing may not be available with Air Rewards. Reservations made by other travel agents or tour companies will not be accepted. Electronic tickets will be issued unless carrier restrictions apply. See below for more information about paper tickets. You may designate anyone as the user of an Air Reward, but all travel documents will be sent to the address provided at the time of redemption. Air Rewards are described both in terms of the number of Merrill Points required and a corresponding maximum dollar value ( MDV ). If the dollar cost of an Air Reward exceeds the MDV, the cardholder must pay the difference between the cost and the MDV by using Merrill Points in order to obtain the Reward: i.e., 2,500 Merrill Points must be redeemed for additional costs of up to $25 of ticket value. Additional payments may be made only in increments of 2,500 Merrill Points. Air Rewards are available for worldwide travel based on roundtrip travel departing from the United States (including the District of Columbia, Alaska, Hawaii, U.S. Virgin Islands and Puerto Rico), and ticketed in U.S. dollars. There are two levels of Air Rewards based on the airline carrier you choose (1) American Airlines, British Airways, Delta Air Lines and United Airlines Air Rewards starting at 25,000 Merrill Points and (2) All other carriers Air Rewards starting at 30,000 Merrill Points. Air Rewards for American Airlines, British Airways, Delta Air Lines and United Airlines consists of a non-refundable, roundtrip ticket on an eligible carrier, as determined by Merrill Lynch. The number of Merrill Points and corresponding MDV required for the Air Reward is 25,000/$500. The number of Merrill Points and corresponding MDV required for all other carriers is 30,000/$500. Reservation and ticketing requires at least a 21-day advance notice. If this restriction is not met, the ticket will require an additional 5,000 Merrill Points. Air Reward Point Redemption Levels (for tickets up to $500 in value) Airline Flights starting at 25,000 Merrill Points for American Airlines, British Airways, Delta Air Lines and United Airlines and 30,000 Merrill Points for all other airlines. MDV includes all taxes, destination fees and the September 11th security fee. Merrill Lynch and the issuer reserve the right to add any airline-imposed surcharges, including, but not limited to, fuel-related surcharges and/or additional security fees deemed necessary by the individual carrier. Air Rewards are not refundable. Miscellaneous costs, including, but not limited to, excess baggage, gratuities, insurance and airline amenities, are the cardholder s responsibility. Once issued, the Air Reward ticket(s) may be subject to restrictions by the airline, such as a non-refundable fare or change/cancellation fees. All fees and additional costs incurred by modifying, exchanging or canceling a ticket are the responsibility of the cardholder and the airline-associated fees must be billed to the Cardholder s Qualifying Card. Merrill Points cannot be used for airline exchange fees, additional fees due to changes or cancellations or any other fee imposed by the airline. In addition to any fees imposed by the airline, there is a $45 fee per ticket for all such modifications, exchanges or cancellations. Bookings may be made without the redemption of an Air Reward. There is no fee when making a courtesy ticket arrangement online, but there is a $15 service fee per ticket when booking through the Merrill Lynch Travel Advisor. Such fees may be paid by charging the fee on the Qualifying Card, or by redeeming 1,500 Merrill Points. All tickets will be issued electronically, unless paper tickets are required by the carrier. Paper tickets may be requested for a fee of $25 per ticket, charged to the Qualifying Card. Circle trips, wherein the traveler elects to extend a layover or reach a final destination different than his or her original departure destination, may incur additional costs. Combining two or more lower-priced tickets to reach the maximum cost is not allowed. Air Rewards cannot be combined with any other coupons, vendor certificates or special offers unless otherwise stated herein. BRITISH AIRWAYS AVIOS Redeem Merrill Points for Avios Offer valid through December 31, You must have a valid British Airways Executive Club account to convert Merrill Points into Avios. Merrill Points must be converted in increments of 5,000. Flights booked using Avios cannot be used to accrue Merrill Points or additional Avios under the British Airways Executive Club. All flights are subject to availability at time of booking. All redemptions are considered final and Avios cannot be converted back to Merrill Points. Please allow up to six weeks for Merrill Points converted to Avios to appear in your British Airways Executive Club account. Redemption of Avios on British Airways or other oneworld carriers are subject to the terms and conditions of the British Airways Executive Club. Redemption of Avios through the Executive Club program is separate and distinct from the awards available through the Air Rewards Program and Dollars Off Air Travel Rewards. Avios cannot be applied toward these other offers. Flights redeemed on British Airways or other oneworld carriers are subject to taxes, fees and carrier charges. The amount of taxes, fees and carrier charges, will vary depending on routing. Merrill Lynch is not responsible for changes to the British Airways Executive Club program or program terms. For the most up to date information on how to enroll in the British Airways Executive Club or for Avios redemption rules and restrictions please visit ba.com/theclub. CASH REWARDS Redeem Merrill Points for a variety of Cash Rewards either at the Site or by telephoning us. A Cash Reward shall be issued for a U.S. dollar sum in the form of a statement credit to your card, an electronic deposit to a checking or savings account of your choice, or a deposit into a Bank of America checking or savings account. The redemption value for Merrill Points redeemed for Cash Rewards deposited into an eligible account at Bank of America ( Eligible Account ) may be different than the redemption value for Merrill Points redeemed for electronic deposits to another financial institution. Eligible Accounts are determined by the issuer and are currently defined as checking or savings accounts from Bank of America, N.A. Current Cash Reward values, their respective Merrill Points requirements and Eligible Account definitions can be obtained by signing into the Site. Cash Reward values may be subject to change. Your Qualifying Card is separate and distinct from any accounts you may have with Bank of America and its affiliates. Approval of this account does not mean a checking or savings account will be established for you. Redemption for Contributions to a Cash Management Account You may redeem Points for contributions to a Merrill Lynch Cash Management Account (CMA) including Working Capital Management Accounts (WCMA ). To complete the redemption, you will be asked to provide your CMA Account number and your authorization to send the Cash Reward electronically. Once processed, the contribution will be deposited into your CMA Account within fourteen (14) business days of the request. Cash Rewards are considered fully redeemed once a deposit has been made to your CMA Account. FIA Card Services, N.A. shall not be responsible for lost, stolen or undelivered deposits: substitute deposits will not be made available. Once a deposit has been completed and the value of any transaction(s) forming all or part of the Cash Rewards used to obtain the deposit is either refunded, credited or otherwise rescinded, we may, at our discretion, stop payment on the deposit, and/or withhold subsequent Cash Rewards, or collect any amount(s) you owe, in any appropriate manner, including, but not limited to, the posting of an equivalent dollar debit in the form of a cash advance transaction to your Card. Redemption for Statement Credit Merrill Points redeemed for statement credit to your Card will post to your account within 30 days of the date of redemption. Statement credits will be applied to your existing balance with the highest priced Annual Percentage Rate (APR). Receipt of a statement credit does not affect your responsibility to pay your Total Minimum Payment shown on each Statement you receive from the issuer. Redemption for an Electronic Deposit into a Checking or Savings Account If you redeem Merrill Points for an electronic deposit to a checking or savings account, the deposit will then be sent by the issuer to the checking or savings account you have indicated within fifteen (15) business days. Electronic deposit redemptions are final once processed. If an electronic deposit is rejected for any reason from the date it was sent to your designated account, the deposit will be considered void and the Merrill Points used to obtain the Reward will be reinstated to your card. If your card is closed before the Merrill Points can be reinstated to your account, then the Cash Reward will be forfeited, except if your card has been reported as lost or stolen, subject to verification. The issuer cannot guarantee that your financial institution will accept an electronic transfer from the issuer on your behalf. If an electronic transfer is refused for any reason, the issuer will notify you via within 15 days of your request to the address designated by you at the time of your redemption. DELTA PRIVATE JETS TM Redeem Merrill Points for Flight Hours The Merrill Lynch Delta Private Jets program is available to all Qualifying Merrill Lynch Cardholders who have been issued a Qualifying Merrill Lynch Card. Delta Private Jets, Inc. ( DPJ ) is a wholly owned subsidiary of Delta Air Lines, Inc. and sells the DPJ Jet Card. DPJ Jet Card program flights are operated by DPJ under its 14 CFR Part 135 Air Carrier Certificate or by another FAA-certificated Part 135 or Part 121 air carrier. The offers contained herein may not be used in combination with one another or any other offer or exchanged for cash. Terms and conditions of the DPJ program are contained in the program agreements ( DPJ Program Agreements ) which you will be required to execute prior to becoming a DPJ Jet Card holder. Taxes are currently being assessed at the following rates (which are subject to change): For each flight segment constituting domestic (US) transportation including flights to or from certain portions of Canada or Mexico, the following taxes and fees may apply and are subject to change (a) a Federal Excise Tax of 7.5%, (b) a Per Passenger Tax of $3.90 per flight segment, (c) a Passenger Facility Charge of up to $4.50 per departure and (d) a September 11 Fee of $2.50 per flight segment. For flight segments in international transportation (i.e., between the United States and a foreign point (other than certain points in 28

30 Program Details Canada and Mexico)), prices listed also do not include the international departure and arrival tax of $17.20 per passenger for each inbound and outbound international flight segment and the $2.50 September 11 Security Fee per flight segment (departing from the United States), as well as related foreign taxes, fees and charges which vary by destination. Pay Using Your Qualifying Merrill Lynch Card Cardholders have the option of paying for their DPJ Jet Card using their Qualifying Merrill Lynch Card, check or wire transfer. Payment by a Qualifying Merrill Lynch Card is available to all cardholders; Cardholders do not have to have achieved Plus Level in order to pay with their Qualifying Merrill Lynch Card. All payments subject to credit availability. Complimentary Flight Hour for $100,000 DPJ Jet Card Purchase Arranged by Merrill Lynch Offer is valid for any Cardholder with the purchase of their first DPJ Jet Card, provided the purchase is completed prior to December 31, The complimentary flight hour will only apply to trips scheduled on a light cabin aircraft having a scheduled flight time that is more than 1.3 hours or the equivalent value on another aircraft size so long as the scheduled flight time exceeds 1.3 hours. Use of the complimentary flight hour requires 120 hours prior notice for domestic trips and 240 hours prior notice for international trips. Use of the complimentary flight hour is not available on Peak Days. This complimentary flight hour promotion will be offered to a Cardholder who calls DPJ at All usual terms and conditions of the DPJ Program Agreements will be extended to the additional complimentary hour, and such complimentary hour will become part of the Cardholder s DPJ s Jet Card. Complimentary flight hour has no cash value. Prices indicated for both domestic and international transportation are subject to change in accordance with the DPJ Program Agreements. DPJ Jet Card holders are responsible for all federal, state, local and foreign taxes, charges, duties and fees relating to the purchase of services from DPJ, including federal excise tax (which is included in the hourly rate for flight services). Guaranteed Simultaneous Use of up to Three Aircraft on Non Peak Days Offer is valid for any Cardholder with the purchase of their first DPJ Jet Card, provided the purchase is completed prior to December 31, The guarantee is applicable on non-peak travel days only. All usual terms and conditions of the DPJ Program Agreements will be extended to the guaranteed flights, and such guarantee will become part of the Cardholder s DPJ s Jet Card. The guarantee has no cash value. Prices indicated for both domestic and international transportation are subject to change in accordance with the DPJ Program Agreements. DPJ Jet Card Owners are responsible for all federal, state, local and foreign taxes, charges duties and fees relating to the purchase of services from DPJ, including federal excise tax (which is included in the hourly rate for flight services). Redeem Merrill Points for Flight Hours The selection of DPJ aircraft and the number of Merrill Points required to redeem are valid through December 31, Merrill Points accrued in the Merrill Lynch Beyond Rewards program may be redeemed, in one-hour increments for current DPJ Jet Card holders, for flights on any of the following aircraft at the corresponding Merrill Points per hour shown: Points Hourly Rate Domestic International Light Jet 300, ,000 Midsize Jet 400, ,000 Super-Midsize Jet 500, ,000 Large Jet 600, ,000 Redemption of Merrill Points entitles a Qualifying Merrill Lynch Cardholder to one hour of flight time on a DPJ aircraft in accordance with table above. Flight time calculations will include an addition of 12 minutes per flight segment to account for 6 minutes of taxi time for takeoff and landing. Redemption Process: 1) Qualifying Merrill Lynch Cardholders are required to call the Rewards & Benefits Center s toll-free number, , to arrange for Merrill Points redemptions, after which the Cardholder will be transferred to a DPJ Sales Executive to complete booking arrangements. 2) Merrill Lynch will be responsible solely for making Merrill Points redemptions any booking related matters, such as flight itinerary, must be addressed with DPJ. 3) Upon redemption of Merrill Points, Cardholders will be required to execute the DPJ Program Agreements. At that time, if the Cardholder needs additional time to accommodate his/her chosen flight itinerary, he/she will be permitted to acquire additional time, provided by DPJ in accordance with above, at the published hourly rate. The requirements listed apply equally to all Cardholders, including Cardholders already owning a DPJ product. The Cardholder will be required to provide DPJ with their Qualifying Merrill Lynch Card information to put on file in case of additional costs incurred with their flight redemption. Cardholders acknowledge and agree that such additional costs incurred by them will be charged to such Qualifying Merrill Lynch Card. The Cardholder will incur all additional costs resulting from their flights, including but not limited to the following: i) In-flight delays. ii) for flights originating or terminating outside the continental U.S., there may be fees for foreign permits, special permits airspace fees, overflight, immigration, customs, communications, government assessments, and ferrying the aircraft. iii) Catering. (Standard stock is complimentary; anything special can be accommodated but will have a charge.) iv) Damage to the aircraft and (v) any cardholder or passenger initiated change in trip itinerary. Usage of the hours acquired as part of the flight redemption may not be available on days which DPJ designates as Peak Days. For a list of currently identified Peak Days, please contact your DPJ Sales Executive. All dates are subject to change. Merrill Lynch assumes no responsibility for Merrill Points converted from the Beyond Rewards program to flight hours with DPJ, or for the actions or omissions of DPJ, or any award provider in connection with DPJ or otherwise. Merrill Points redeemed to DPJ may not be returned or refunded once redeemed. DOLLARS OFF AIR TRAVEL (AIR DOLLARS-OFF REWARDS) Redeem Merrill Points for Dollars-Off Air Travel Offer only valid when requested at the time of booking. Air Dollars-Off Rewards must be booked through the Merrill Lynch Travel Advisor by calling Merrill Points may be redeemed in increments of 10,000 Merrill Points and applied towards an airline ticket purchase for all Merrill Lynch programs. For every 10,000 Merrill Points redeemed, a value of $100 will be applied towards the airline ticket. $100 off air travel Rewards must be applied in whole amounts and if $100 Reward is over the cost needed, any remaining amount will not be reimbursed or credited. $100 off air travel Rewards are applied per person not per total to the booking record. Multiple $100 off air travel Rewards may be used. Any amount over the Reward cost is considered overage and will need to be collected using your Qualifying Card. GIFT CARDS The listed gift card, certificate or travel voucher retailers are in no way affiliated with Merrill Lynch and/or Bank of America, nor are they participants, sponsors or co-sponsors of this Program and are not liable for any alleged or actual claims related to this Program. All gift cards, certificate or travel vouchers are subject to the terms and conditions stated on the card, certificate, vouchers or the retailer s website. All trademarks are property of their respective owners and used with their permission. Amazon.com is not a sponsor of this promotion. Except as required by law, GCs cannot be transferred for value or redeemed for cash. GCs may be used only for purchases of eligible goods on Amazon.com or certain of its affiliated websites. For complete terms and conditions, see GCs are issued by ACI Gift Cards, Inc., a Washington corporation.,, Amazon. com Inc. and/or its affiliates, No expiration date or service fees. Barnes & Noble - Barnes & Noble is not a sponsor or co-sponsor of this promotion. Please see back of gift card or visit for terms and conditions of use. Barnes & Noble is not liable for any alleged or actual claims related to this offer. Bed Bath & Beyond is not a sponsor of this promotion. Terms and conditions apply to gift cards. Bed Bath & Beyond is a registered trademark Bed Bath & Beyond Inc. and its subsidiaries. BEST BUY is not affiliated with Merrill Lynch and/or Bank of America. Best Buy does not sponsor, endorse, approve or have any responsibility for this promotion. BEST BUY, the BEST BUY logo and the tag design are trademarks of BBY Solutions, Inc BBY Solutions, Inc. All rights reserved. Bloomingdale s is not a sponsor or co-sponsor of this program. Bloomingdale s Terms & Conditions apply to all cards. See back of card for details. BP Gift Cards can only be used for purchases at participating BP and ARCO locations in the U.S. Use of the BP Gift Card is subject to the terms and conditions printed on the cards. BP is not affiliated with Merrill Lynch and/or Bank of America, nor is BP a sponsor or co-sponsor of this promotion. BP will not be responsible for any unauthorized use unless required by law. The BP name and logo are registered trademarks of BP p.l.c. Darden Restaurants, Inc. owns (Red Lobster, Olive Garden, LongHorn Steakhouse, Bahama Breeze, and Seasons 52 ) and is not affiliated with Merrill Lynch and/or Bank of America. Darden is not a sponsor or co-sponsor of this program. Use of our restaurant names, logos or trademarks requires written approval from Darden. See backside of gift card for additional terms and conditions or visit com/legal/legal.asp. The Home Depot - Merrill Lynch and/or Bank of America is not affiliated with The Home Depot. The Home Depot is a registered trademark of Homer TLC, Inc. The Home Depot is not a sponsor of this promotion. itunes is a registered trademark of Apple Inc. All rights reserved. Apple is not a participant in or sponsor of this promotion. LOWE S and the GABLE MANSARD DESIGN are registered trademarks and service marks of LF, LLC. Lowe s is not affiliated with Merrill Lynch and/or Bank of America. Macy s is not a sponsor of this promotion. Terms and conditions are applied to Macy s gift certificates/gift cards. Marriott is not a sponsor or co-sponsor of this promotion. Use of Marriott logos or trademarks requires written approval from Marriott International, Inc. See reverse side of TravelCard for complete terms and conditions. Neiman Marcus This Gift Card is redeemable for merchandise or services from Neiman Marcus and other operating divisions of The Neiman Marcus Group, Inc. It cannot be redeemed for cash unless required by law and cannot be applied to your credit card account. To use, simply present this card to your sales associate at time of purchase. To verify your remaining balance, call ; have card number ready. Neiman Marcus is not responsible for lost or stolen card. NMGP,LLC. Neiman Marcus is a registered trademark of NM Nevada Trust. All rights reserved. Printed in USA. Nordstrom is not a sponsor or co-sponsor of this promotion. Please see back of gift card for terms and conditions of use. Panera Bread and the Mother Bread Logo are registered trademarks of Panera Bread and are used with permission. Panera Bread is not a sponsor of this program. See back of the Panera Card gift card for complete terms and conditions of use. Pottery Barn is a registered trademark of Williams-Sonoma Inc. Pottery Barn is not affiliated with Merrill Lynch and/or Bank of America, nor is a sponsor of this promotion. The Shell Gift Card can be used only for purchases of goods and services at Shell locations in the U.S., except territories. The Card cannot be redeemed for cash and no change will be given, except in states that require redemption for cash. Shell Oil Products U.S. and its related companies are not sponsors or co-sponsors of this promotion. If card balance falls below one dollar, pay at the pump may not be available, in which case contact station cashier to access balance or call the number printed on the card for assistance. The Starbucks word mark and the Starbucks Logo are trademarks of Starbucks Corporation. Starbucks is also the owner of the Copyrights in the Starbucks Logo and the Starbucks Card designs. All rights reserved. Starbucks is 29