Bank of America® credit cards

* Certain terms, conditions, exclusions and restrictions apply. See application for details.

¹ Preferred Rewards Program Enrollment. You can enroll and maintain your membership in the Bank of America Preferred Rewards® program if you have an active, eligible personal checking account with Bank of America® and maintain the balance required for one of the balance tiers in your combined qualifying Bank of America deposit accounts and/or your Merrill investment accounts. You can satisfy the combined balance requirement for enrollment with either:

1) a three-month combined average daily balance in your qualifying deposit and investment accounts, or
2) a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.

You must have a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier. Private Bank clients qualify to enroll in the Diamond tier and may qualify for the Diamond Honors tier based on their qualifying Bank of America, Merrill, and Private Bank balances.  Refer to your Personal Schedule of Fees for details. For details on Bank of America employee qualification requirements, please call Employee Financial Services or Refer to the Bank of America intranet site. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible to enroll on customized terms. Refer to go.bofa.com/cebi-faq for details. 0823PR.SV.CM.DD.0823

Credit Card Preferred Rewards Bonus. Certain credit cards are eligible to receive a Preferred Rewards bonus. Enrolled Preferred Rewards members with eligible Bank of America® credit cards can receive a Preferred Rewards bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors, Diamond or Diamond Honors tier on each purchase. If your card receives the 10% customer bonus, the Preferred Rewards bonus will replace the 10% customer bonus. You will not receive the Preferred Rewards bonus when you redeem your cash rewards or points.  The Preferred Rewards bonus for eligible cash rewards credit cards will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $100 purchase that earns 3% ($3.00) will actually earn $3.75, $4.50 or $5.25 based on your tier when the purchase posts to your account. For all other eligible card types, a purchase that earns 100 base points will actually earn 125, 150, or 175 points, based on your tier when the purchase posts to your account. The Preferred Rewards bonus is not applied to any account opening bonus, if applicable. The Preferred Rewards bonus also does not apply to the bonus earn for certain programs. This information can be found in the Program Rules associated with those credit cards. Other terms and conditions apply. Please refer to your card’s Program Rules for details about how you will receive the Preferred Rewards Bonus. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card. Visit bankofamerica.com/preferred-rewards for a complete list of ineligible cards. 0823PR.CCPRB.GNRC.MLTPL.1121

² Bank of America® Premium Rewards® Elite Program Information. How You Earn Points: Bank of America® Premium Rewards® Elite Program Information. How You Earn Points: Earn points when you use this card to make purchases; returns, credits and adjustments to this card will be deducted from purchases, even if this card was not the original payment method (“Net Purchases”). The following transactions are not considered purchases and will not earn points: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1.5 Points: Earn 1.5 base points for every $1 spent on Net Purchases (non-Travel and Dining Category) charged to the card each billing cycle. 2 Points: Earn 2 points (consisting of .5 bonus points and 1.5 base points) for every $1 spent on Travel and Dining Net Purchases charged to the card each billing cycle. Travel and Dining Category: Dining includes Restaurants, including Fast Food, and Drinking Establishments, such as Bars or Taverns. Travel includes: airlines, hotels, motels, timeshares, trailer parks, motor home and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators and real estate agents, operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos and the like. Purchases from some merchants that provide travel-related goods and services will not be eligible, like in-flight goods and services, and duty-free airport purchases. Travel and Dining Category Processing: Merchants are assigned a merchant category code (MCC) based on the merchant’s primary line of business. We do not determine which MCC a merchant chooses to classify itself. We group similar MCCs into Categories to help you earn rewards on purchases made at specific merchants. Your purchase may not qualify to receive the Travel and Dining Category earn rate if the merchant does not process transactions under the MCC that corresponds with the Travel and Dining Category, or your purchase is processed through a third-party payment account, mobile/wireless card reader, digital wallet not supported by Bank of America or similar technology where the technology does not support transmission of MCCs. For those Net Purchases, you will earn 1.5 base points per $1. Not all merchants accept all credit cards. How You Use Your Points: Points are available for redemption for travel, gift cards, concierge services and cash rewards at a value of 1% of the amount of points redeemed (1 point = $0.01 in rewards value). Cash rewards are issued for a U.S. dollar sum in the form of a statement credit, an electronic deposit to a Bank of America® checking or savings account, or a contribution to an eligible Cash Management Account® with Merrill. How You May Lose Rewards: As long as your card account remains open with active charging privileges, points do not expire. However, If the owner(s) of the card account voluntarily closes the card account or we close the card account for inactivity, you must redeem the points within ninety (90) days after closing. If we close your card account for any other reason you will lose your points immediately. Rewards Program Rules: Program Rules containing additional details will be sent to you with your new account materials. Other significant terms apply. Program subject to change. 0623RLL.PR.ES.1023

³ Airline Incidental Statement Credit. You are eligible for a statement credit of up to $300 each calendar year if you make qualifying airline incidental fee transactions. To qualify, you must use your Premium Rewards® Elite credit card to pay all airline incidental fee transactions. Allow 2-3 weeks from qualifying for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. Qualifying transactions are those purchases made on domestic-originated flights on certain U.S.-domestic airline carriers that include: preferred seating upgrades, ticket change/cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, and airport lounge fees affiliated with eligible airline carriers. Airline ticket purchases, mileage point purchases, mileage point transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners do not qualify. Airline incidental fee transactions must be separate from airline ticket charges. The airlines must submit the ancillary fees under the appropriate merchant category code (MCC), industry code or required service or product identifier to be identified as a qualifying airline incidental fee transaction. Eligible travel expenses that qualify for the Airline Incidental Credit must appear under one of the following Airline MCCs: 3000, 3001, 3058, 3063, 3066, 3132, 3174, 3196 or 3256. Purchases made with the following U.S. domestic airline carriers will not qualify for the Airline Incidental Statement Credit: Allegiant Air, Spirit Airlines, and Sun Country Airlines.

⁴ Airport Security Statement Credit. You are entitled to up to $100 in statement credits per account every four years in connection with the TSA PreCheck® or Global Entry program when you use your Premium Rewards® Elite credit card to pay the application fee(s). Statement credits, not to exceed a total of $100, will be applied in the order that the qualifying transactions posted to your account. Allow 2-3 weeks from qualifying, for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. TSA PreCheck® is a U.S. Government program, operated by the U.S. Transportation Security Administration (TSA). Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). Bank of America has no control over either program including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA, and no liability regarding the Global Entry or TSA PreCheck® programs. For complete details on the TSA PreCheck® program, go to tsa.gov/precheck. For complete details on the Global Entry program, go to http://www.cbp.gov/global-entry/about. The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security.

⁵ Air Savings Program. Receive 20% off the cost of airfare when redeeming points through the Bank of America Travel Center. To be eligible for the 20% discount, the airfare itinerary must be booked online at bankofamerica.com/travel or through the Premium Rewards Elite concierge service using the Bank of America Travel booking system. Only the portion of the airfare’s cost paid for with points is eligible for the discount. For example, 80,000 Points can be redeemed for a $1,000 flight (instead of the normal 100,000 points). Similarly, if you were to redeem 40,000 Points, you would receive $500 in value toward the airfare. The remaining $500 would be charged to your Premium Rewards Elite credit card.

⁶ Lifestyle Credit. You are eligible for a statement credit of up to $150 each calendar year if you make qualifying rideshare, food delivery, video streaming service and fitness transactions at select merchants. To qualify, you must use your Premium Rewards Elite credit card to pay all rideshare, food delivery, video streaming service and fitness transactions. Allow 2–3 weeks from qualifying for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. Qualifying transactions are those purchases made through select rideshare, food delivery, video streaming service and fitness merchants as determined by us. The merchant must submit the charges under the appropriate merchant category code (MCC), industry code or required service or product identifier to be identified as a qualifying rideshare, food delivery, streaming service or fitness transaction. Eligible rideshare, food delivery, video streaming service and fitness transactions that qualify for the Lifestyle Statement Credit must appear under one of the following MCCs and contain the designated identifier: 4899, 5399, 5411, 5422, 5499, 5691, 5734, 5815, 5816, 5817, 5818, 5921, 5940, 5964, 5968, 5969, 5999, 7032, 7299, 7372, 7841, 7997, and 7999.

⁷ Concierge. Bank of America® Premium Rewards® Elite Visa Infinite® cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Infinite Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability.

⁸ Priority Pass Select™. Through the Priority Pass Select program, enrolled Bank of America Premium Rewards® Elite Visa Infinite® cardholders will receive 12-month Priority Pass Select membership(s) to access airport VIP lounges worldwide currently participating in the Priority Pass Select program with their accompanying guests, regardless of their choice of airline, class of ticket or membership in an airline lounge program.

– You must be an eligible Bank of America Visa Infinite cardholder to participate. Eligibility for this offer is determined by Bank of America. Provided you meet the issuer-determined eligibility requirements, Bank of America will allow enrollment up to four Persons as member(s) in the Priority Pass Select program, without charge of a membership fee. As a Priority Pass Select member, you and your guest(s) can enjoy complimentary lounge visits at 1,300 airport lounges and experiences. The number of lounges and experiences is subject to change. Lounge benefits, services and facilities differ by location and may only be available at an additional charge. Please refer to the Priority Pass Conditions of Use (https://prioritypass.com/en/conditions-of-use) for any additional questions regarding the program.

– Provided the Priority Pass Select membership benefit is still being offered by Bank of America and the card under which you originally enrolled is still eligible, your membership(s) will be automatically renewed for another year at no additional cost, unless you cancel your membership by calling Priority Pass Select at +1 800 352 2834 (toll-free in USA/Canada/Mexico) or +1 972 735 0536 (outside of North America). Once the renewal is processed, the digital membership expiration date will be updated on your Priority Pass profile(s). If the Priority Pass Select benefit is no longer being offered by Bank of America or the card under which you originally enrolled is no longer eligible for the benefit, your membership(s) will not automatically be renewed, but you will be given the opportunity to renew with Priority Pass Select at the applicable retail rate on Priority Pass then current standard terms. Enrollment is limited to four individuals for the life of the account. We cannot remove an existing member to add another.

For access to a participating airport lounge, you must present your Priority Pass Select Digital Membership Card, and a boarding pass or valid flight ticket (depending on the lounge) for the same day of travel. Always have your Digital Membership Card to present as an alternative access method to hand the attendant. All participating lounges are owned and operated by third party organizations, and none of Priority Pass Select, Bank of America or Visa are or will be liable for any loss to a Member or any accompanying guests, arising from the provision or non- provision of any of the benefits, services and facilities. Lounge benefits, services and facilities differ by location and some may only be available at an additional charge. Certain lounges may restrict access due to space constraints and may have limits on the number of guests who can enter with a Member.

Priority Pass Select is an independent airport lounge access program and is neither owned nor otherwise affiliated with Bank of America or Visa. The Priority Pass Select membership benefit is subject to change and cancellation at any time. Membership in the Priority Pass Select program is not transferable and is only valid up to the date of membership expiration. 1023RLL.PR.ES.1023

⁹ Bank of America® Premium Rewards® Program Information. How You Earn Points: Earn points when you use this card to make purchases; returns, credits and adjustments to this card will be deducted from purchases, even if this card was not the original payment method (“Net Purchases”). The following transactions are not considered purchases and will not earn points: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1.5 Points: Earn 1.5 base points for every $1 of Net Purchases (non-Travel and Dining) charged to the card each billing cycle. 2 points: Earn 2 base points for every $1 of Net Purchases made with the card in the Travel and Dining category, with no limit on the number of points you can earn. Travel and Dining Category: Dining includes Restaurants, including Fast Food, and Drinking Establishments, such as Bars or Taverns. Travel includes: airlines, hotels, motels, timeshares, trailer parks, motor home and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators and real estate agents, operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos and the like. Purchases from some merchants that provide travel-related goods and services will not be eligible, like in-flight goods and services, and duty- free airport purchases. Travel and Dining Category Processing: Merchants are assigned a merchant category code (MCC) based on the merchant’s primary line of business. We do not determine which MCC a merchant chooses to classify itself. We group similar MCCs into Categories to help you earn rewards on purchases made at specific merchants. Your purchase may not qualify to receive the Travel and Dining Category earn rate if the merchant does not process transactions under the MCC that corresponds with the Travel and Dining Category, or your purchase is processed through a third-party payment account, mobile/wireless card reader, digital wallet not supported by Bank of America or similar technology where the technology does not support transmission of MCCs. For those Net Purchases, you will earn 1.5 base points per $1. Not all merchants accept all credit cards. How You Use Your Points: When your points balance is 2,500 points or more, you can redeem your points for cash rewards, including a statement credit, an electronic deposit into a Bank of America® checking or savings account, or for credit to a qualifying Cash Management Account® with Merrill or qualifying 529 account with Merrill. Points may also be redeemed for travel at the Travel Center, or gift cards. Cash rewards shall be issued for a U.S. dollar sum and may be requested on demand. Each point redeemed is worth $0.01 (2,500 points = $25). How You May Lose Rewards: As long as your card account remains open with active charging privileges, points do not expire. However, If the owner(s) of the card account voluntarily closes the card account or we close the card account for inactivity, you must redeem the points within ninety (90) days after closing. If we close your card account for any other reason you will lose your points immediately. Rewards Program Rules: Program Rules containing additional terms of your credit card rewards program will be sent to you with your new account materials. Other significant terms apply. Program subject to change. 1023RLL.PR.1023

¹⁰ Airport Security Statement Credit. You are entitled to up to $100 in statement credits per account every four years in connection with the TSA PreCheck® or Global Entry program when you use your Premium Rewards® credit card to pay the application fee(s). Statement credits, not to exceed a total of $100, will be applied in the order that the qualifying transactions posted to your account. Allow two to three weeks from qualifying, for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. TSA PreCheck® is a U.S. Government program, operated by the U.S. Transportation Security Administration (TSA). Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). Bank of America has no control over either program including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA, and no liability regarding the Global Entry or TSA PreCheck® programs. For complete details on the TSA PreCheck® program, go to tsa.gov/precheck. For complete details on the Global Entry program, go to cbp.gov/global-entry/about. The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security. 1023RLL.PR.AS.SC.0123

¹¹ Airline Incidental Statement Credit. You are eligible for a statement credit of up to $100 each calendar year if you make qualifying airline incidental fee transactions. To qualify, you must use your Premium Rewards® credit card to pay all airline incidental fee transactions. Allow 2–3 weeks from qualifying for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open with active charging privileges at the time of statement credit fulfillment. Qualifying transactions are those purchases made on domestic-originated flights on certain U.S.-domestic airline carriers that include: preferred seating upgrades, ticket change/cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, and airport lounge fees affiliated with eligible airline carriers. Airline ticket purchases, mileage point purchases, mileage point transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners do not qualify. Airline incidental fee transactions must be separate from airline ticket charges. The airlines must submit the ancillary fees under the appropriate merchant category code (MCC), industry code or required service or product identifier to be identified as a qualifying airline incidental fee transaction. Purchases made with the following U.S. domestic airline carriers will not qualify for the Airline Incidental Statement Credit: Allegiant Air, Spirit Airlines, and Sun Country Airlines. 1023RLL.PR.AI.SC.0920

¹² Card Benefits. Certain restrictions apply to each benefit. Details accompany new account materials. 0223LL.VS.WM.PL.NOCR.0522

¹³ Bank of America® Travel Rewards Program Information. How You Earn Points: Earn points when you use this card to make purchases; returns, credits and adjustments to this card will be deducted from purchases, even if this card was not the original payment method (“Net Purchases”). The following transactions are not considered purchases and will not earn points: Balance Transfers and Cash Advances(each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1.5 Points: Earn 1.5 points (base points) for every $1 of Net Purchases charged to the card each billing cycle. Bonus Points at The Travel Center: Earn 3 points (consisting of 1.5 bonus points and 1.5 base points) for every $1 in Net Purchases, made through the Travel Center, with no limit on the number of bonus points you can earn. Account opening bonuses are excluded from other Customer Bonus programs. How You Use Your Points: Redeem points for a travel credit or cash reward starting at 2,500 points; gift card redemptions start at 3,125 points. How Your Travel Credit Works: A travel credit is applied as a statement credit to your account to offset travel and dining purchases from qualifying merchants in these travel or dining related categories: airlines, hotels, motels, timeshares, trailer parks, motor home and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators and real estate agents, operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos, eating places and restaurant, drinking places, bars, taverns, cocktail lounges, nightclubs, discotheques and fast food restaurants. Purchases from some merchants that provide travel or dining related goods and services will not be eligible for a travel credit, like in-flight goods and services, and duty-free airport purchases. Points may be redeemed for a statement credit to offset qualifying travel and dining purchases that occurred within 12 months prior to the date of redemption, but limited to the most recent 2,500 qualifying travel and dining purchases. Each point redeemed for a travel credit is worth $0.01 (2,500 points = $25). How Your Cash Rewards And Gift Cards Work: Cash rewards are redeemed for a check or electronic deposit into a Bank of America® checking or savings account or for credit to an eligible Cash Management Account® with Merrill. Each point redeemed for cash is worth $0.006 (2,500 points= $15). The redemption value for gift cards varies. How You May Lose Rewards: As long as your card account remains open with active charging privileges, points do not expire. However, If the owner(s) of the card account voluntarily closes the card account or we close the card account for inactivity, you must redeem the points within ninety (90) days after closing. If we close your card account for any other reason you will lose your points immediately. Rewards Program Rules: Program Rules containing additional terms of your credit card rewards program will be sent to you with your new account materials. Other significant terms apply. Program subject to change. 1023RLL.BA.TRVLRWRDS.1023

¹⁴ Bank of America® Customized Cash Rewards Program Information. How You Earn Cash Rewards: Earn cash rewards when you use this card to make purchases; returns, credits, and adjustments to this card will be deducted from purchases, even if this card was not the original payment method (“Net Purchases”). The following transactions are not considered purchases and will not earn cash rewards: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1% Base Cash Rewards: Earn 1% cash back (equal to $0.01 for every $1) on Net Purchases charged to the card each billing cycle. 2% Bonus Category: Earn a total of 2% cash back (equal to $0.02 for every $1, consisting of 1% bonus cash rewards and 1% base cash rewards) on Net Purchases made at eligible grocery store merchants and wholesale clubs, which include supermarkets, freezer/meat lockers, candy, nut or confection stores, dairy product stores, and bakeries. Excluded from this Bonus Category are superstores and smaller stores (like drug stores and convenience stores) that sell groceries and other products. 3% Bonus Category: Earn a total of 3% cash back (equal to $0.03 for every $1, consisting of 2% bonus cash rewards and 1% base cash rewards) on Net Purchases made at eligible merchants in the one Choice Category you have selected. Eligible merchants would include merchants whose primary line of business falls under the following Choice Categories: Gas/Electric Vehicle (EV) Charging Stations (default), Online Shopping, Dining, Travel, Drug Stores, or Home Improvement/Furnishings. When the new account is opened the default Choice Category is Gas/EV Charging Stations. To change your Choice Category for future purchases, you must go to Online Banking or use the Mobile Banking app. A new Choice Category selection can be made once per calendar month; however, if no change is made the category will remain the same. Additional information can be found at bankofamerica.com/choosemycategory. Bonus Category Cap: Grocery store, wholesale club and Choice Category Net Purchases earn bonus cash rewards on the first $2,500 of combined Net Purchases made each calendar quarter. Once the $2,500 quarterly limit is reached, additional Net Purchases will earn base cash rewards of 1%. Bonus Category Processing: Merchants are assigned a merchant category code (MCC) based on the merchant’s primary line of business. We do not determine which MCC a merchant chooses to classify itself. Not all merchants accept all credit cards. Rewards Redemption: Redeem cash rewards for statement credits, deposits made directly into a Bank of America® checking or savings account, for credit to a qualifying Cash Management Account® with Merrill or qualifying 529 account with Merrill, or checks. Cash rewards shall be issued for a U.S. dollar sum and may be requested on demand. Certain cash rewards are eligible for automatic redemption. Redemptions for an electronic deposit into a Bank of America checking or savings account, or credit to a qualifying Cash Management Account® with Merrill, or for a statement credit do not have a minimum redemption amount. Onetime redemptions for a contribution to a qualifying 529 account with Merrill, redemptions for a check or automatic redemptions for an electronic deposit into a Bank of America checking or savings account, or credit into a qualifying Cash Management Account® with Merrill have a $25 minimum redemption amount. How You May Lose Rewards: As long as your card account remains open with active charging privileges, cash rewards do not expire. However, if the owner(s) of the card account voluntarily closes the card account or we close the card account for inactivity, you must redeem the cash rewards within ninety (90) days after closing. If we close your card account for any other reason you will lose your cash rewards immediately. Rewards Program Rules: Program Rules containing additional details will be sent to you with your new account materials. Other significant terms apply. Program subject to change. 1023RLL.BA.Olive.0124

¹⁵ Bank of America® Unlimited Cash Rewards Program Information. How You Earn Cash Rewards: Earn cash rewards when you use this card to make purchases; returns, credits and adjustments to this card will be deducted from purchases, even if this card was not the original payment method (“Net Purchases”). The following transactions are not considered purchases and will not earn cash rewards: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. 1.5 % Base Cash Rewards: Earn 1.5 % cash back (equalto $0.015 for every $1) on all Net Purchases charged to the card each billing cycle. Rewards Redemption: Redeem cash rewards for statement credits, deposits made directly into a Bank of America® checking or savings account, for credit to a qualifying Cash Management Account® with Merrill, a qualifying 529 account with Merrill, or to pay for purchases when you shop at Amazon or check out with PayPal. Cash rewards shall be issued for a U.S. dollar sum and may be requested on demand or for automatic redemption. Statement credits and 529 contributions are not eligible for automatic redemption. One-time redemptions for an electronic deposit into a Bank of America checking or savings account, or credit to a qualifying Cash Management Account® with Merrill, or for a statement credit do not have a minimum redemption amount. One-time redemptions for a contribution to a qualifying 529 account with Merrill, or automatic redemptions for an electronic deposit into a Bank of America checking or savings account or into a qualifying Cash Management Account® with Merrill have a $25 minimum redemption amount. Pay with Rewards: Amazon and all related Marks are Trademarks of Amazon.com, Inc. or its affiliates. PayPal and the PayPal logo are registered trademarks of PayPal, Inc. Use Rewards with PayPal: Pay with Rewards will be available for eligible credit cards on eligible purchases or can be donated to support a charitable cause with PayPal Giving Fund. To learn more about PayPal Pay with Rewards, see terms and conditions at paypal.com/us/pay-with-rewards-terms. All reward redemptions are subject to the rewards program rules from Bank of America. How You May Lose Rewards: As long as your card account remains open with active charging privileges, cash rewards do not expire. However, if the owner(s) of the card account voluntarily closes the card account or we close the card account for inactivity, you must redeem the cash rewards within ninety (90) days after closing. If we close your card account for any other reason you will lose your cash rewards immediately. Rewards Program Rules: Program Rules containing additional details will be sent to you with your new account materials. Other significant terms apply. Program subject to change. 1023RLL.Rewards.Sky.0224

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