Benefits & Rewards for Your Business

The Merrill Rewards For Business TM Visa Signature Card Benefits & Rewards for Your Business 2014 Benefits & Rewards Guide

Discover how your card works for you and your business. Welcome to your Merrill Rewards For BusinessTM Visa Signature Card 2014 Benefits & Rewards Guide. You re invited to discover how beneficial your card can be for your business, and how rewarding it can be for you. From the ability to earn points on all of your and your employees purchases to the flexibility of choosing your rewards, everything about the Merrill Rewards For BusinessTM Visa Signature Card was designed to work for you and your business. Merrill Lynch 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 2014 Bank of America Corporation Cover: Victoria Harbour, Hong Kong La Quinta, California Are Not Bank Guaranteed May Lose Value

Card Benefits Card Benefits...4 Personalized Service...7 Leading Security...8 Travel Benefits and Rewards Flexible Rewards...10 Travel Offers...11 Travel Benefits...15 Retail Benefits Gift Card Rewards...16 Retail Protection...18 Program Details...19 To learn even more about all your card has to offer you in 2014 and beyond, sign in at card.ml.com. 2

3 Card benefits that work for you and your business.

Card Benefits Premium business benefits, rewards and service all with no annual fee. 1 Rewards for you. Benefits for your business. With the Beyond Rewards program, earn 1 point for every dollar you, or your authorized employees, spend on purchases with the card. 2 There s no limit to how many points you can earn and they won t expire (as long as your account remains open). Redeem your points for gift cards, 1.5% cash back directly into an eligible account, or travel rewards including airline tickets that start at 25,000 points. 3 Redeem your points for air travel and enjoy the freedom of choice with our Anytime, Anywhere, Any Airline rewards program featuring no black-out dates, required Saturday-night stays or destination limitations. 3 Get more out of your card with complimentary discounts and upgrades at top hotels, resorts, and cruise lines, unique dining experiences and more. Save with no international transaction fees on purchases. 1 Protect your account from fraudulent charges made by terminated employees with Terminated Employee Misuse Insurance. 4 Make the most of your time by allowing our complimentary Merrill Lynch Concierge to handle administrative services such as getting event tickets, reserving tee times and finding that perfect location for your next client outing. 5 Get unlimited additional cards for your employees, at no additional cost. Enjoy the world-class service you ve come to expect from Merrill Lynch. 1 See Credit Card Agreement for details. 2 See EARNING AND REDEEMING MERRILL POINTS HIGHLIGHTS on page 19 in Program Details for important details. 3 See ANYTIME, ANYWHERE, ANY AIRLINE AIR REWARDS on page 19 in Program Details for important details. Air rewards start at 25,000 Merrill Points and a maximum dollar value of $500. An additional redemption of 2,000 Points for ticket processing is required for each Air Reward. Redeem additional Merrill Points in increments of 5,000 points for every $100 in ticket value. 4 See SECURITY on page 26 in Program Details for important details. 5 See MERRILL LYNCH CONCIERGE on page 25 in Program Details for important details. 4

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 Rewards for Business Card, but you ll also earn Merrill Points. Earn 1 point for every dollar you, or your authorized employees, spend on purchases and redeem for a variety of rewards. 1 Earn even more points. Request additional cards for your employees and earn Merrill Points on every dollar they spend on purchases too. Your points will add up even faster when you set up recurring payments on your card for monthly business expenses such as your phone or Internet bill. 5 1 See EARNING AND REDEEMING MERRILL POINTS HIGHLIGHTS on page 19 in Program Details for important details.

Card Benefits Dadès Gorge, Morocco Turn your points into cash and gift cards. Gift cards start at just 1,850 points. See page 16 for more details. Or, choose cash rewards including: Deposit into a Merrill Lynch Working Cash Management Account (WCMA ) 2 or a Bank of America checking or savings account Merrill Rewards for Business Card statement credit Or turn points into Travel Rewards. Air travel starts at just 25,000 points with no black-out dates or required Saturday-night stays, for a flight up to $500 in value. 3 See page 10 for more details. 2 The WCMA 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. 3 See ANYTIME, ANYWHERE, ANY AIRLINE AIR REWARDS on page 19 in Program Details for important details. Air rewards start at 25,000 Merrill Points and a maximum dollar value of $500. An additional redemption of 2,000 Points for ticket processing is required for each Air Reward. Redeem additional Merrill Points in increments of 5,000 points for every $100 in ticket value. Certain terms, conditions and exclusions apply. Please visit card.ml.com for further details. 6

Personalized Service Life is busy. Leave it to us. Who couldn t use the assistance of a concierge trained to turn your vision into a reality? Whether it s arranging car service to the airport or finding the perfect quiet restaurant for an important client meeting, Merrill Lynch Concierge 1 can help. To speak with Merrill Lynch Concierge: Call 1.888.999.9645 and press 4 Plan your business travel with ease. All cardholders have access to Merrill Lynch Travel Advisors, who are on-hand to assist you in building complete itineraries for your business travels. From booking your hotel stay to reserving a car, you ll be amazed at how easy planning and booking your business trip can be. To speak with a Merrill Lynch Travel Advisor: Call 1.888.999.9645 and press 3 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. Expect stellar service. Customer service representatives are available 24 hours a day, 365 days a year to answer your account questions. To reach Customer Service: Call 1.866.617.1859 7 1 See MERRILL LYNCH CONCIERGE on page 25 in Program Details for important details.

Leading Security Trust that you re protected. Zero Liability Protection protects against unauthorized use. 1 You will not be liable for unauthorized use of your account if your card is lost or stolen. Terminated Employee Misuse Protection. 1 Your business is protected against eligible losses that might be incurred through card misuse by a terminated employee. 1 See SECURITY on page 26 in Program Details for important details. Adeje, Tenerife, Canary Islands 8

Travel benefits and rewards that work for you and your business. 9 Dubai, United Arab Emirates

Flexible Rewards Turn your Merrill Points into travel. NetJets Flight Time Redeem your points for flight time on NetJets. Redeem for as much as you need, with a minimum of 425,000 Merrill Points per hour. To redeem: Call 1.800.419.0000 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 1.800.419.0000 and say Shopping Dollars Off Air Travel 1 Redeem 10,000 Merrill Points for $100 off an airline ticket. To redeem: Call 1.888.999.9645 and press 3 or sign in at card.ml.com Hotel Stays and Car Rentals 3 Every point you earn can be turned into travel. It s that simple redeem for any amount, beginning at just 2,500 Merrill Points. To redeem: Call 1.888.999.9645 and press 3 or sign in at card.ml.com 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. To redeem: Call 1.888.999.9645 and press 3 or sign in at card.ml.com All airlines start at just 25,000 Merrill Points. 1 See TRAVEL REWARDS on page 20 of the Program Details for important details. 2 See ANYTIME, ANYWHERE, ANY AIRLINE AIR REWARDS on page 19 in Program Details for important details. Air rewards start at 25,000 Merrill Points and a maximum dollar value of $500. An additional redemption of 2,000 Points for ticket processing is required for each Air Reward. Redeem additional Merrill Points in increments of 5,000 points for every $100 in ticket value. Certain terms, conditions and exclusions apply. Please visit card.ml.com for further details. 3 See HOTEL STAYS AND CAR RENTALS on page 20 in Program Details for important details. 10

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 will be guaranteed access to two aircraft at the same time, up to three occurrences, and you will have guaranteed aircraft upgrades to the next largest aircraft up to three times. 11 1 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 Rewards For Business TM Visa Signature Cardholders. Additional restrictions apply to all offers. See Program Details on pages 19 26 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.

Air Travel Offers 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 1.877.538.8955 12

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 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 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 25% Off Trans-Pacific Flights Fly BusinessElite or Economy Class and get up to 25% off your ticket price. To make your reservation: Call 1.888.999.9645 and press 3 13 See Delta Air Lines on page 22 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 19 26 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.

Air Travel Offers 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: One complimentary flight hour on a light cabin aircraft Guaranteed simultaneous usage of up to three aircraft (excluding peak days) Access to a dedicated Personal Concierge for Delta Air Lines and Delta Private Jets reservations. To purchase your Delta Private Jets Card: Call 1.866.430.1541 14

Travel Benefits Melbourne, Australia Travel Benefits No International Transaction Fee 1 You ll save on foreign purchases with no international transaction fees, whether you re traveling abroad or shopping with an international merchant from within the US. Travel and Emergency Assistance 2 Visa Business Travel and Emergency Assistance Services will put you in touch with the appropriate emergency services should the need arise, including Medical Referral Assistance, Emergency Transportation Assistance and more. Auto Rental Collision Damage Waiver 2 Reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. Lost Luggage Locator 2 Helps you through the common carrier s claim procedures and can arrange for the shipment of replacement items. 15 1 See credit card agreement for details. 2 See TRAVEL BENEFITS on page 26 in Program Details for important details.

Gift Card Rewards Gift card rewards start at just 1,850 Merrill Points. Neiman Marcus Saks Fifth Avenue Nordstrom Pottery Barn Macy s Lands End Bloomingdale s Williams-Sonoma itunes Target Lowe s Barnes & Noble To redeem or view more gift cards: Call 1.888.999.9645 and press 2 or sign in at card.ml.com Certain terms, conditions and exclusions may apply. See GIFT CARDS on page 23 for important details or visit card.ml.com. 16

Gift Card Rewards Gift card rewards start at just 1,850 Merrill Points. Walmart Dillard s The Home Depot Bed Bath & Beyond Best Buy Amazon.com Ruth s Chris Starbucks Panera Bread Darden Restaurants, Inc. Outback Steakhouse Marriott International, Inc. The Ritz-Carlton To redeem or view more gift cards: Call 1.888.999.9645 and press 2 or sign in at card.ml.com 17 Certain terms, conditions and exclusions may apply. See GIFT CARDS on page 23 for important details or visit card.ml.com.

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 discretion, 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 Rewards for Business card in the event of theft or damage. 1 Extended Protection Extended Protection doubles the period of repair service up to a maximum of one (1) year on many items of personal property which have a valid original manufacturer s written U.S. warranty of three (3) years or less and which you have purchased with your eligible U.S.-issued Visa Business card. 1 1 See RETAIL PROTECTION on page 26 in Program Details for important details. 18

Program Details ALL OFFERS MUST BE CHARGED IN FULL TO YOUR MERRILL REWARDS FOR BUSINESS TM CARD. SEE BELOW FOR DETAILS. Offers, rewards & benefits referenced in this guide are available to holders of the Merrill Rewards for Business TM 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 Rewards for Business TM Card ( Qualifying Card ). EARNING AND REDEEMING MERRILL POINTS HIGHLIGHTS When you earn Merrill Points with Beyond Rewards, point earnings are based on the new net retail purchase transaction volume (i.e., purchases less credits, returns, and adjustments) charged to the Card during each periodic billing cycle ( Billing Cycle ) by the Cardholders(s) ( Net Purchase(s) ). Earn 1 point for each Net Purchase dollar. 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. The following transactions are not included in Net Purchases and, therefore, do not earn Merrill Points: Cash Advances of any kind, Balance Transfers, Quasi-Cash transactions of any kind, finance charges, any other fees and charges, all as defined in the Card Agreement; and unauthorized transactions, including those made with a lost, stolen, canceled, or fraudulent Card. Subject to the rules of the Beyond Rewards Program which are available when you apply or upon request. Cardholder should refer to their 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, Cardholders must charge the trip to their Qualifying Card in order to be eligible for the benefit. CASH REWARDS Redeem Merrill Points for a variety of Cash Rewards by telephoning us at 1.888.999.9645. 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 a Merrill Lynch WCMA or 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 Working Capital Management Account You may redeem Points for contributions to a Working Capital Management Account (WCMA ). To complete the redemption, you will be asked to provide your WCMA number and your authorization to send the Cash Reward electronically. Once processed, the contribution will be deposited into your WCMA within fourteen (14) business days of the request. Cash Rewards are considered fully redeemed once a deposit has been made to your WCMA. 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 When Cardholders 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 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 their designated account, the deposit will be considered void and the Merrill Points used to obtain the Reward will be reinstated to their card. If their card is closed before the Merrill Points can be reinstated to their account, then the Cash Reward will be forfeited, except if their card has been reported as lost or stolen, subject to verification. The issuer cannot guarantee that the Cardholder s financial institution will accept an electronic transfer from the issuer on their behalf. If an electronic transfer is refused for any reason, the issuer will notify the Cardholder via email within 15 days of their request to the email address designated at the time of redemption. ANYTIME, ANYWHERE, ANY AIRLINE AIR REWARDS You may redeem Merrill Points for the Anytime, Anywhere, Any Airline Air Rewards ( 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 a Merrill Lynch Travel Advisor or at the Site. Charter flights, consolidator fares, packaged fares, contract fares and Internet pricing are not 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. You may designate anyone as the user of an Air Reward, but all travel documents will be sent to the email 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 19

Program Details difference between the cost and the MDV by using Merrill Points in order to obtain the reward: i.e., 5,000 Merrill Points must be redeemed for additional costs up to $100 of ticket value. Additional payments may be made only in increments of 5,000 points until the cardholders point balance falls below the 5,000 point requirement. The cardholder will then receive $.02 per point toward the Air Reward until all points are exhausted, at which time cardholders may pay any remaining balance using their Merrill Rewards for Business credit card. Air Rewards are available for worldwide travel and ticketed in U.S. dollars. The number of Merrill Points and corresponding MDV required for an Air Reward is 25,000/$500. An additional redemption of 2,000 Merrill Points for ticket processing is required for each Air Reward. MDV includes all taxes and destination fees as well as the September 11th Security Fee. We 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, 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. Merrill Points cannot be used for airline exchange fees, additional fees due to changes or cancellations or any other fee imposed by the airline. All tickets will be issued electronically, unless paper tickets are required by the carrier. Combining two or more lowerpriced tickets to reach the maximum cost is not allowed. Air Rewards cannot be combined with other coupons, vendor certificates or special offers and all service fees and additional costs must be paid for using your Merrill Rewards for Business card unless otherwise stated herein. TRAVEL REWARDS Air Dollars-Off Rewards 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 1.888.999.9645 or online at card.ml.com. 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 a Qualifying Card. HOTEL STAYS AND CAR RENTALS Cardholders may obtain Auto Rental and Hotel Rewards through participating car rental agencies and hotels worldwide. Rewards may be redeemed online at card.ml.com or through the Redemption Center. Cardholders may redeem for all or a portion of your rental/ stay with your Points plus cash option. Rewards begin at 2,500 Points, but have no corresponding maximum dollar value. We will determine the specific Point redemption level based on the dollar value of each Reward. When the Cardholder returns the vehicle/check out of your hotel, the Card will be charged for any Miscellaneous Costs. Cardholders earn Points for additional costs charged to the Card. There are no exchanges or refunds for no-shows or unused portions of Auto Rental or Hotel Rewards obtained through the Program. For Auto Rental Rewards, Cardholders must meet credit, age and driver requirements in effect at the time and place of rental. The Cardholder must present the Card upon arrival and when returning the vehicle/checking out. Any optional or ancillary charges ( Miscellaneous Costs ) are not included in the value of the Auto or Hotel Reward and are the Cardholder s responsibility. For Auto Rental Rewards, Miscellaneous Costs could include: optional charges, including but not limited to refueling, optional/supplementary liability insurance, personal effects coverage and loss damage waiver, drop-off charges, late-return fee, additional driver fee and/or excess mileage fees, or upgrade in vehicle category. For Hotel Rewards, Miscellaneous Costs could include personal charges, food and beverages, additional person(s) and other optional and incidental expenses, or upgrade in room category. PRIVATE AVIATION NetJets Redeem Merrill Points for Flight Hours NetJets is a U.S. registered trademark of Columbia Insurance Company. The selection of NetJets aircraft and the number of Merrill Points required to redeem are valid through December 31, 2014. Merrill Points accrued in the Merrill Lynch Beyond Rewards program may be redeemed, in two-hour increments (onehour increments for current NetJets or Marquis Jet Card Owners), for flights on any of the following aircraft at the corresponding Merrill Points per hour shown: AIRCRAFT TYPE MERRILL POINTS/HOUR Citation Encore+/Encore 425,000 Citation XLS/Excel 475,000 Hawker 900XP/800XP 575,000 Citation Sovereign 650,000 Citation X 650,000 Gulfstream G200 750,000 Falcon 2000EX/2000 850,000 Gulfstream G450/G400/GIV-SP 1,000,000 Redemption of Merrill Points entitles a Qualifying Merrill Lynch Cardholder to one hour of flight time on a NetJets 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. All flight hours are subject to a fuel surcharge per hour, which is the responsibility of the Cardholder and must be paid directly to NetJets using a Qualifying Merrill Lynch Card. For information on the current amount of the fuel surcharge, please contact your NetJets Sales Executive. Redemption Process: 1) Qualifying Merrill Lynch Cardholders are required to call the Rewards & Benefits Center s toll-free number, 1.800.419.0000, to arrange for Merrill Points redemptions, after which the Cardholder will be transferred to a NetJets Sales Executive to complete booking 20

Program Details 21 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 NetJets. 3) Upon redemption of Merrill Points, Cardholders will be required to execute the NetJets Program Agreements. At that time, if the Cardholder needs a larger leasehold interest to accommodate his/her chosen flight itinerary, he/ she will be permitted to acquire additional time, provided by NetJets in accordance with above, at the published hourly rate. The requirements listed apply equally to all Cardholders, including Cardholders already owning a NetJets product. The Cardholder will be required to provide NetJets 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) Additional catering (Standard catering is complimentary; anything special can be accommodated but will have a charge.) iv) Damage to the aircraft if not treated properly. Usage of the hours acquired as part of the flight redemption may not be available on days which NetJets designates as Peak Period Days. For a list of currently identified Peak Period Days, please contact your NetJets 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 NetJets, or for the actions or omissions of NetJets, or any award provider in connection with NetJets or otherwise. Merrill Points redeemed to NetJets may not be returned or refunded once redeemed. The Merrill Lynch NetJets program is available to all Qualifying Merrill Lynch Cardholders who have been issued a Qualifying Merrill Lynch Card. Marquis Jet Partners, Inc. is a wholly owned subsidiary of NetJets Inc. and sells the Marquis Jet Card. Marquis Jet Card program flights are operated by NetJets Aviation under its 14 CFR Part 135 Air Carrier Certificate. All of the offers contained herein may not be used in combination with one another or any other offer, or exchanged for cash. Cardholder must have reached Plus Level prior to being eligible for the NetJets benefits and complimentary ground transportation. Terms and conditions of the NetJets program are contained in the NetJets program agreements which you will be required to execute prior to becoming a NetJets Owner. Pay Using Your Qualifying Merrill Lynch Card Cardholders have the option of paying for their Marquis Jet Card using their Qualifying Merrill Lynch Card, check or wire transfer. Payment by a Qualifying Merrill Lynch Card is available to all Plus Levels. 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 25-Hour Marquis Jet Card Purchase Arranged by Merrill Lynch Offer is valid for any Cardholder with the purchase of their first Marquis Jet Card, provided the purchase is completed prior to December 31, 2014. The complimentary flight hour will only apply to the same aircraft type purchased by the Cardholder. This complimentary flight hour promotion will be offered to a Cardholder who is new to the NetJets/Marquis Jet Card Program and calls NetJets at 1.877.538.8955. All usual terms and conditions of the NetJets Program Agreements, including program insurance, will be extended to the additional complimentary hour, and such complimentary hour will become part of the Cardholder s Marquis Jet Card. Complimentary flight hour is not combinable with any other offer and has no cash value. Prices indicated for both domestic and international transportation are subject to increase in accordance with the NetJets Program Agreements, including monthly fuel variable. The prices represent the base prices for 25-occupied hours, before applicable taxes, fees and charges are assessed, as well as related foreign taxes, fees and charges which vary by destination. Guaranteed One-Way Upgrades and Multiple Use Days for NetJets Share or NetJets Lease Purchase arranged by Merrill Lynch Offer is valid for NetJets Shares and NetJets Leases purchased through December 31, 2014. During the first year of your contract, NetJets will (i) grant you three guaranteed one way segment upgrades to an aircraft of NetJets choosing in the next larger cabin class, and (ii) three days of guaranteed simultaneous aircraft usage. Promotion will be offered to any Plus Level Cardholder who is new to the NetJets/Marquis Jet Card Program and calls NetJets at 1.877.538.8955. These offers are not combinable with any other offer and have no cash value. Terms and Conditions apply, including (i) usage is limited to trips originating and terminating in the continental US, (ii) maximum flight time eligible for upgrade is 8 occupied hours total, and (iii) neither upgrades nor multiple usage is available for use on Peak Period Days. For a list of currently identified Peak Period Days, please contact your NetJets Sales Executive. All dates are subject to change. All NetJets program purchases are subject to the terms and conditions of the NetJets program. Complimentary Ground Transportation Offer is valid for Marquis Jet Cards purchased through December 31, 2014. On the first 25-Hour Marquis Jet Card purchased, Savoya, through its partnership with NetJets, will provide each Cardholder with six (6) hours of complimentary ground transportation (two-hour minimum per trip) anywhere in the continental U.S. There will be a two-hour minimum charge per trip for no-show trips, trips cancelled within two hours of scheduled pick-up time and trips changed to a later scheduled pick-up time within two hours of the original pick-up time. Cardholders will be covered by Savoya s Insurance terms throughout the complimentary ground transportation hours. This complimentary promotion will be offered to a Qualifying Merrill Lynch Cardholder who calls NetJets at 1.877.538.8955. This offer for complimentary ground transportation is limited to executive sedan service (SUVs, stretch limousines, vans, etc., are not included). Complimentary ground transportation hours are a onetime benefit (i.e. not available for subsequent or additional purchases), are non-transferable and non-endorsable, and have no cash value. All new reservations, modifications and cancellations associated with this offer must be made directly with Savoya by calling 1.866.4.SAVOYA or 1.866.472.8692.

Program Details Complimentary Aviation Consultation Offer is valid through December 31, 2014. Complimentary private aviation consultations are available to Qualifying Merrill Lynch Cardholders who call NetJets at 1.877.538.8955. Consultations will provide Cardholders with a Needs Analysis in order to recommend a course of action depending on the particular needs of the Cardholder. Delta Air Lines This is a limited time promotion, all travel must be booked on or before December 31, 2014 and all travel completed by March 31, 2015. All offers are available only by calling the Merrill Lynch Travel Advisor at 1.888.999.9645. Purchase tickets are all subject to the standard $15 per ticket booking fee. All exchanges, modifications or cancellations are subject to the standard $45 per ticket change fee in addition to any fees imposed by the airline Discounts will not be applied to fuel surcharges or government and airport imposed taxes, fees or charges. 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. Corporate Discounts, consolidator or wholesale fares, senior citizen discounts, travel agency discounts child or infant fares or any promotional offers do not qualify and cannot be combined with this offer Delta Air Lines rules and restrictions apply. For itinerary changes you must contact your Merrill Lynch Travel Advisor. Routing and date changes may be allowed but are subject to purchased fare rules and any additional collections in pricing for the new routing, space availability and any service charges Tickets are non-transferable and non-endorsable. No name changes are allowed once tickets are issued. Delta Sky Miles cannot be used for redemptions or upgrades, in conjunction with this offer. Travel on purchased tickets may be eligible to earn Delta Sky Miles in accordance with the rules of the Delta Sky Miles program. Terms and conditions of the Delta Sky Club will apply. Merrill Lynch and Delta Air Lines reserve the right to amend or discontinue these offers at any time. Discounted Flights from New York to London Offer applicable to new reservations for one way or round trip travel. The discount applies to fares in select booking classes and to destinations in the U.S. and Canada. This offer may not be combined with any other discount or offer and does not apply to point redemption tickets. A Merrill Lynch Travel Advisor will explain all rules, surcharges and additional fees at the time of booking. Up to 15% Off Caribbean and Mexico Flights The 15% discount applies to Y and J class fares only. The discount for other fare classes, if any, will vary. Offer applies to new reservations for one way or roundtrip travel. This offer may not be combined with any other discount or offer and does not apply to point redemption tickets. A Merrill Lynch Travel Advisor will explain all rules, surcharges and additional fees at the time of booking. Up to 15% Off New York to or from Los Angeles or San Francisco The 15% discount applies to F, A, J, C, D and Y class fares only. The discount for other fare classes, if any, will vary. Offer applicable to new reservations for one way or round trip travel. The discount applies to fares in select booking classes and to destinations in the U.S. and Canada. This offer may not be combined with any other discount or offer and does not apply to point redemption tickets. A Merrill Lynch Travel Advisor will explain all rules, surcharges and additional fees at the time of booking. Up to 25% Off Trans-Pacific Flights The 25% discount applies to J class fares only. The discount for other fare classes, if any, will vary. Offer applicable to new reservations for one way or round trip travel. The discount applies to fares in select booking classes and to destinations in the U.S. and Canada. This offer may not be combined with any other discount or offer and does not apply to point redemption tickets. A Merrill Lynch Travel Advisor will explain all rules, surcharges and additional fees at the time of booking. Delta Private Jets Redeem Merrill Points for Flight Hours The Merrill Lynch Delta Private Jet 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 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, 2016. 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 22

Program Details 23 offered to a Cardholder who calls DPJ at 1.866.430.1541. 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, 2016. 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, 2016. 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 300,000 375,000 Midsize Jet 400,000 475,000 Super-Midsize Jet 500,000 575,000 Large Jet 600,000 675,000 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, 1.888.999.9645, 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. GIFT CARDS This offer is available exclusively for residents of the 50 United States and can be delivered to a P.O. Box. The listed merchants are in no way affiliated with Bank of America, nor are the listed merchants considered sponsors or co-sponsors of this program. Use of merchant names and/or logos is by permission of each respective merchant and all trademarks are the property of their respective owners. Terms and conditions are applied to gift cards/certificates. Please see the merchant s gift card/certificate/website for additional terms and conditions, which are subject to change at merchant s sole discretion, if permitted by law. Gift Cards have no fees and no expiration date. 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 www.amazon.com/gc-legal. GCs are issued by ACI Gift Cards, Inc., a Washington corporation.,, Amazon.com Inc. and/or its affiliates, 2012. Card Reference Amazon.com Gift Card *. Barnes & Noble is not a sponsor or co-sponsor of this promotion. Please see back of gift card or visit BN.com for terms and conditions of use. Barnes & Noble is not liable for any alleged or actual claims related to this offer. Barnes & Noble Gift Cards can be used at any Barnes & Noble store nationwide and at BN.com. They can also be used at any Barnes & Noble College and Bookstore location. Maintenance, dormancy or service fees do not apply to balances on Gift Cards. Gift Cards have no expiration dates. Barnes & Noble Gift Cards may be used to purchase annual memberships in the Barnes & Noble Membership program (continuous billing memberships require a valid credit card). Barnes & Noble Gift Cards will not be replaced if lost or stolen.

Program Details Barnes & Noble Gift Cards will not be exchangeable for cash except where required by law. Barnes & Noble Gift Cards are issued by Barnes & Noble Marketing Services LLC. Other conditions may apply. See BN.com and the back of a Barnes & Noble gift card for details. Bed Bath & Beyond is not a sponsor of this promotion. Terms and conditions apply to gift cards. Bed Bath & Beyond is a registered trademark. 2013 Bed Bath & Beyond Inc. and its subsidiaries. This card is redeemable for merchandise only and may not be redeemed for cash, except where required by law. It cannot be used for portrait studio services. If a card is lost or stolen, a replacement card will be reissued with the balance remaining when an original receipt is presented. This card is issued by BBB Value Services Inc. Bed Bath & Beyond Inc. and subsidiaries. Card can also be redeemed at our other retail concepts or on-line at bedbathandbeyond.com and buybuybaby.com. 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 Best Buy, BBY Solutions, Inc. and its affiliated companies. Bloomingdale s For balance or customer service go to bloomingdales.com/gcbal or any Bloomingdale s store, or call 1.800.511.2752. This card is redeemable only for merchandise and in-store services at Bloomingdale s and bloomingdales.com (US only); it may not be redeemed for cash (except as required by law) or applied as payment or credit to any credit card account. Bloomingdale s cards may be purchased as a gift or given in place of issuing a credit to a credit card or a proof of purchase return from another payment method. Returns may be applied to this card. Card receipts will show any remaining balance. Protect this card: you are responsible if it is lost or stolen. Lost or stolen cards will only be replaced with proof of purchase and only for the value shown on our records. This card is issued by Bloomingdale s Gift Card, LLC and is required for all inquiries. Darden Restaurants, Inc. owns (Red Lobster, Olive Garden, LongHorn Steakhouse, Bahama Breeze, Seasons 52 and Yard House ) and is not affiliated with Merrill Lynch and/or Bank of America. Darden is not a sponsor or cosponsor 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 www.darden.com/legal/legal.asp. This Gift Card is issued by and represents an obligation of Darden SV, Inc. ( Darden ). Each time you use it, we ll deduct that amount from the balance until you ve used the full balance of the card. You can add to the card balance at any time. (1) Except where required by law, this gift card is not redeemable cash. (2) We can t replace it if it s lost or stolen. (3) It may be used at any Red Lobster, Olive Garden, LongHorn Steakhouse, Bahama Breeze, Seasons 52 or any other Darden restaurant. (4) Darden approval required to advertise this card. (5) Valid in U.S. only. For Gift Card balance and activity visit www.darden.com or call toll-free 1-877-500-9706. Dillards This card is not redeemable for cash, and may not be used as a payment on any charge account. This card may be redeemed for merchandise or services only. This card is issued by and is an obligation of Dillard s Dollars, Inc. and is accepted at any Dillard s store. The Home Depot Valid toward purchase of merchandise/services at any The Home Depot store in the U.S., Canada and online at HomeDepot. com. Gift Card carries no implied warranties and is not a credit/debit card. Not redeemable for cash (unless required by law) and cannot be applied to any credit or loan balance, Tool Rental deposits, or for in-home/phone purchases. Gift Cards will not be cancelled and replaced without proof of purchase. Except as required by law, Gift Cards purchased with cash will not be replaced and any Gift Card may be deactivated or rejected in connection with fraudulent actions. Check your balance at any The Home Depot store or online. Reload card value at any The Home Depot store. 2013. HOMER TLC, Inc. All rights reserved. Redeemable in local funds at Home Depot s then applicable exchange rate. Merrill Lynch and/or Bank of America is not affiliated with The Home Depot. The Home Depot is not a sponsor of this promotion. The Home Depot is a registered trademark of Homer TLC, Inc. itunes is a registered trademark of Apple Inc. All rights reserved. Apple is not a participant in or sponsor of this promotion. A prepaid card redeemable only at the itunes Store in the U.S. To redeem this card you must have an itunes Store account, subject to prior acceptance of license and usage terms. To open an account you must be above the age of 13 and in the U.S. The itunes Store requires itunes 6.0 or later (7.0 or later for video), compatible software and hardware, and internet access (fees may apply). Any unused balance will stay in your itunes account and is not transferable. Complete terms and conditions can be found at www.apple.com/legal/itunes/us/gifts.html. Lands End is not affiliated with Bank of America and is not a sponsor or cosponsor of this promotion. See back of gift card for terms and conditions of use. Lands End is not liable for any alleged or actual claims related to this offer. Lands End Gift Cards are redeemable for merchandise and services at Lands End, participating Sears, Roebuck and Co., The Great Indoors, and Kmart store locations, in the U.S., Puerto Rico, Guam and U.S. Virgin Islands and at landsend.com, sears.com, kmart.com, and Lands End consumer catalogs. Not valid for purchase of third party debit or prepaid cards. Not redeemable for restaurant, Olan Mills Portrait Studio transactions or for purchases at Sears Canada or for cash except where required by law. Cannot be applied to Sears, Lands End, The Great Indoors or Kmart credit accounts. Use of this card constitutes acceptance of these terms. 2013 SHC Promotions LLC. Macy s cards are redeemable only for merchandise and instore services at Macy s and macys.com (US only); they may not be redeemed for cash (except as required by law) or applied as payment or credit to any credit card account. Card receipts will show any remaining balance. Protect the card: the bearer is responsible if it is lost or stolen. Lost or stolen cards will only be replaced with proof of purchase and only for the value shown on Macy s records. This card is issued by Macy s Gift Card, LLC and is required for all inquiries. Macy s Gift cards have no fees and do not expire. No more than $2000 may be loaded onto a gift card in a single day (including purchasing additional value and/or adding returns to a gift card). Neiman Marcus is not a sponsor of this promotion and is not affiliated with Merrill Lynch and/or Bank of America. Use of Neiman Marcus gift cards is subject to the terms and conditions thereof. The Neiman Marcus name and logo are registered trademarks of NM Nevada Trust. 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 24