Rewards for you. Benefits for your business. - Merrill Lynch [PDF]

Rewards for you. Benefits for your business. 2013 Benefits & Rewards Guide

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 Rewards for Business is a trademark and Merrill Lynch, Merrill Lynch Wealth Management, Beyond Rewards, Merrill Points, Merrill Lynch Working Capital Management Account, Working Capital Management Account, WCMA, the Bull Symbol, Anytime, Anywhere, Any Airline and Bank of America are 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. © 2013 Bank of America Corporation 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

The Merrill Rewards For Business Visa Signature® Card

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Shanghai Pudong

Welcome to your 2013 Benefits & Rewards Guide, where you’ll discover how your card benefits your business and rewards you.

Business Benefits Card Benefits................................ 4 Personalized Service................... 7 Leading Security........................... 8

Travel Benefits & Rewards Flexible Rewards........................ 10 Travel Offers................................ 11 Travel Benefits............................ 20

Shopping Benefits & Rewards Retail Offers................................ 22 Gift Card Rewards...................... 23 Retail Protection......................... 25 To learn even more about all your card has to offer you in Program Details....................... 26

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2013 and beyond, sign in at card.ml.com.

Bald Head Island, NC

Card Benefits

Premium business benefits, rewards and service… and still no annual fee.1

Rewards for you.

Benefits for your business.

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 ith the Beyond Rewards® program, earn 1 point for every net retail W dollar you or your employees spend on purchases with the card.2

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 ere’s no limit to how many points you can earn and they won’t Th expire (as long as your account remains open).

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 edeem your points for gift cards, 1.5% cash back directly into an R eligible account, or travel rewards—including airline tickets that start at 25,000 points.3

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 edeem your points for air travel and enjoy the freedom of R choice with our Anytime, Anywhere, Any Airline® rewards program featuring no black-out dates, required Saturday-night stays or destination limitations.3

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 et more out of your card with complimentary discounts and G upgrades at top hotels, resorts, and cruise lines, unique dining experiences and more.

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Save with no international transaction fees on purchases.

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 rotect your account from fraudulent charges made by terminated P employees with Terminated Employee Misuse Insurance.4

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 ake the most of your time by allowing our complimentary M business concierge services to handle administrative services such as getting event tickets, reserving tee times and finding that perfect location for your next client outing.5

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 et unlimited additional cards for your employees, at no G additional cost.

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 njoy the world-class service you’ve come to expect from E Merrill Lynch.

See Credit Card Agreement for details. 2 See EARNING AND REDEEMING MERRILL POINTS—HIGHLIGHTS on page 26 in Program Details for important details. See ANYTIME, ANYWHERE, ANY AIRLINE® AIR REWARDS on page 26 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 29 in Program Details for important details. 5 See MERRILL LYNCH CONCIERGE on page 29 in Program Details for important details. 1 3

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Card Benefits

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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 BusinessTM Card, but you’ll also earn Merrill Points®. Earn 1 point for every net retail 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.

Turn points into rewards. Choose from travel, gift card or cash rewards including: n

Deposit into a Merrill Lynch Working Capital Management Account® (WCMA®)2

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Merrill Rewards for BusinessTM Card statement credit

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Deposit into a Bank of America® checking or savings account

Sign in at card.ml.com to redeem your points or check your point balance.

Receive exclusive hotel benefits and merchant discounts As a cardholder, you have access to the Visa Signature Luxury Hotel Collection which is composed of some of the world’s most intriguing and prestigious properties, a hand-selected portfolio developed exclusively for Visa Signature cardholders. With every booking, you receive these exclusive benefits: n

Best available rate guarantee

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Automatic room upgrade upon arrival, when available

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Free in-room Internet or valet parking

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Complimentary continental breakfast

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3 p.m. check-out, when available

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VIP guest status

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$25 food or beverage voucher

Plus, Visa Signature cardholders enjoy discounts and special offers at premium retailers, from jewelry to apparel and electronics. Over 200 merchant offers in retail, travel, entertainment, e-commerce, restaurants and more.

Visit www.visasignature.com to learn more.

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See EARNING AND REDEEMING MERRILL POINTS—HIGHLIGHTS on page 26 in Program Details for important details. T he WCMA 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.

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Personalized Service

Life is busy. Leave it to us. Who couldn’t use the assistance of a business concierge trained to turn your vision into a reality? Whether it’s as simple as arranging car service to the airport or finding the perfect quiet restaurant for an important client meeting, Merrill Lynch Concierge1 can help.

To speak with Merrill Lynch Concierge: Call 1.888.999.9645

Plan your business travel with ease. Merrill Lynch Travel Advisors 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 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. Or, sign in at card.ml.com to redeem for rewards and see all your card has to offer.

To reach Customer Service: Call 1.866.617.1859

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See MERRILL LYNCH CONCIERGE on page 29 in Program Details for important details.

Leading Security

Trust that you’re protected. Zero Liability Protection for 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.

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See SECURITY on page 29 in Program Details for important details.

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Travel Benefits & Rewards

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Las Vegas, USA

Flexible Rewards

Turn your Merrill Points into travel. 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.

Rocky Mountains, Banff National Park, Alberta, Canada

All airlines start at just 25,000 Merrill Points.

To redeem: Call 1.800.419.0000 and say “Shopping”

Dollars Off Air Travel Redeem 10,000 Merrill Points for $100 off an airline ticket. To redeem: Call 1.888.999.9645

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 1.800.419.0000 and say “Shopping”

Anytime, Anywhere, Any Airline®1 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: Sign in at card.ml.com or call 1.888.999.9645

Delta Private JetsTM Flight Time Redeem your points for flight time on Delta Private JetsTM. Redeem for as much as you need, with a minimum of 300,000 Merrill Points per hour. To redeem: Call 1.888.999.9645

Hotel Stays, Cruises & More 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 for cruises, tours, hotel stays or car rentals: Call 1.888.999.9645 and press 3. Or, sign in at card.ml.com to redeem for air travel, hotel stays or car rentals.

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 ee ANYTIME, ANYWHERE, ANY AIRLINE® AIR REWARDS on page 26 in Program Details for important details. Air rewards start at 25,000 Merrill Points and a S 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.

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Air Travel Offers

NetJets® Complimentary Flight Hour1 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 Upgrades2 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 Transportation3 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

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. Blackout dates and additional restrictions may apply. Benefits apply only to Merrill Rewards for Business Card cardholders. Additional restrictions apply to all offers. See Program Details on pages 26 – 30 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.

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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 1.888.999.9645

Delta Private JetsTM 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

O  ne complimentary flight hour on a light cabin aircraft

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G  uaranteed simultaneous usage of up to three aircraft (excluding peak days)

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A  ccess 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

See DELTA AIR LINES on page 28 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 26 – 30 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.

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Hotel Offers

Double Merrill Points

You’ll earn Double Merrill Points every time you use your Merrill Rewards for BusinessTM Card to book a hotel through your card’s Online Travel Reservations Service or a Merrill Lynch Travel Advisor.

The Ritz-Carlton, St. Thomas

The Ritz-Carlton® Complimentary Amenities and More

The Ritz-Carlton, Cancún

Receive complimentary amenities and upgrades when you stay at select Ritz-Carlton properties. To view the 28 participating properties, see HOTEL OFFERS on page 28 in the Program Details or visit card.ml.com. 1

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B  uffet breakfast for two daily at Café Mexicano

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$  75 resort credit (per room, per stay)

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R  oom upgrade1

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E  arly check-in and late check out1

The Ritz-Carlton, San Francisco

The Ritz-Carlton, St. Thomas n

F  ull American breakfast for two daily at Bleuwater

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$  75 food and beverage credit (per room, per stay)

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R  oom upgrade1

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E  arly check-in and late check out1

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C  ontinental breakfast for two daily (also available with room service)

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$  75 food and beverage credit (per room, per stay)

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C  omplimentary daily Internet access

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R  oom upgrade1

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E  arly check-in and late check out1

To make your reservation: Call 1.888.999.9645

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To take advantage of The Ritz-Carlton offers, you must book January 1 through October 27, 2013, with travel completed by December 31, 2013. 1 Subject to availability. Additional restrictions apply to all offers. See Program Details on pages 26 – 30 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.

Hotel Offers

Double Merrill Points

You’ll earn Double Merrill Points every time you use your Merrill Rewards for BusinessTM Card to book a hotel through your card’s Online Travel Reservations Service or a Merrill Lynch Travel Advisor.

The St. Regis Bahia Beach Resort

St. Regis Complimentary Amenities and More

The St. Regis Deer Valley, Utah

Receive complimentary amenities and upgrades when you stay at select St. Regis properties. To view the 21 participating properties, see HOTEL OFFERS on page 28 in the Program Details or visit card.ml.com. 1

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C  ontinental breakfast for two daily at J&G Grill

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$  100 food and beverage credit (per room, per stay)

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C  ustomized welcome amenity

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R  oom upgrade, early check-in and late check out1

The St. Regis Bahia Beach Resort, Puerto Rico

The St. Regis Punta Mita Resort, Mexico n

F  ull breakfast for two daily

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$  100 spa treatment credit for the resort’s Remède Spa (per room, per stay)

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F  ull breakfast for two daily at Fern restaurant

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$  100 resort credit (per room, per stay)

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R  oom upgrade1

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R  oom upgrade1

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E  arly check-in and late check out1

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E  arly check-in and late check out1

To make your reservation: Call 1.888.999.9645

To take advantage of the St. Regis offers, you must book January 1 through October 27, 2013, with travel completed by December 31, 2013. 1 Subject to availability. Additional restrictions apply to all offers. See Program Details on pages 26 – 30 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.

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Hotel Offers

Double Merrill Points

You’ll earn Double Merrill Points every time you use your Merrill Rewards for BusinessTM Card to book a hotel through your card’s Online Travel Reservations Service or a Merrill Lynch Travel Advisor.

The Westin Resort & Spa, Los Cabos

Westin® Hotels & Resorts and W Hotels Worldwide Complimentary Amenities and More Receive complimentary amenities and upgrades when you stay at select Westin and W properties. To view the 31 participating properties, see HOTEL OFFERS on page 28 in the Program Details or visit card.ml.com. 1

The Westin Resort & Spa, Los Cabos n

B  uffet breakfast for two daily at La Cascada Restaurant

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$  100 spa credit (per room, per stay)

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R  oom upgrade1 and late check out1

The Westin Excelsior Rome n

F  ull breakfast for two daily at Doney Restaurant (also available with room service)

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O  ne lunch for two, per room (excludes alcoholic beverages)

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Room upgrade1

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E  arly check-in and late check out1

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F  ull breakfast for two daily (up to $40 per room, per day)

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$  50 Sushi Roku gift card (per room, per stay)

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R  oom upgrade1 and late check out1

To make your reservation: Call 1.888.999.9645

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To take advantage of the Westin Hotels and W Hotels Worldwide offers, you must book by October 27, 2013 and travel by December 31, 2013. 1 Subject to availability. Additional restrictions apply to all offers. See Program Details on pages 26 – 30 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.

Hotel Offers

Double Merrill Points

You’ll earn Double Merrill Points every time you use your Merrill Rewards for BusinessTM Card to book a hotel through your card’s Online Travel Reservations Service or a Merrill Lynch Travel Advisor.

Hyatt Regency Huntington Beach Resort & Spa

Hyatt®

Sofitel Paris Le Fanbourg

Sofitel Luxury Hotels

Complimentary Amenities and More

Complimentary Amenities and More

Receive complimentary amenities and upgrades when you stay at select Grand Hyatt, Hyatt Regency and Park Hyatt properties. To view the 40 participating properties, see HOTEL OFFERS on page 28 in the Program Details or visit card.ml.com.

Receive complimentary amenities and upgrades1 when you stay at select Sofitel properties. To view the 15 participating properties, see HOTEL OFFERS on page 28 in the Program Details or visit card.ml.com.

Hyatt Regency Huntington Beach Resort & Spa, California

Sofitel Paris Le Faubourg n

F  ull breakfast for two daily at Les Collections

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Full breakfast for two daily

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$75 resort credit (per room, per stay)

Th  ree-course “Menu du Chef”for guests in Prestige, Collection or Opera Suites2

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Room upgrade1

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In-room welcome amenity

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Early check-in and late check out1

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R  oom upgrade1

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Early check-in and late check out1

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To make your reservation: Call 1.888.999.9645 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, 2013. 1 Subject to availability. 2 Three-night minimum stay required and beverages are excluded. Additional restrictions apply to all offers. See Program Details on pages 26 – 30 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.

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Cruise Offers

Double Merrill Points

You’ll earn Double Merrill Points every time you use your Merrill Rewards for BusinessTM Card to book a cruise with a Merrill Lynch Travel Advisor.

Avalon Waterways, Panorama Suite

Avalon Waterways® $100 Additional Savings on Any Avalon Waterways Sailing 10-Day Windmills, Vineyards & Paris Wine River Cruise

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 1.888.999.9645.

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 1.888.999.9645

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To take advantage of Avalon Waterways and other cruise line offers, you must book January 1 through October 27, 2013, with travel completed by December 31, 2013. Additional restrictions apply to all offers. See Program Details on pages 26 – 30 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.

Cruise Offers

Double Merrill Points

You’ll earn Double Merrill Points every time you use your Merrill Rewards for BusinessTM Card to book a cruise with a Merrill Lynch Travel Advisor.

Crystal Serenity, Venice

Seven Seas Mariner at Sea

Crystal® Cruises

Regent Seven Seas Cruises®

$100 Additional Savings on Any Crystal Cruise Sailing

$200 Onboard Credit on Any Regent Seven Seas Cruises Sailing

9-Day Ancient Treasures Cruise

12-Night Cosmopolitan Classics Cruise

Sailing October 17 - 26, 2013 from Istanbul to Venice on Crystal Serenity

Sailing December 8, 2013 from Rio de Janeiro to Buenos Aires on Seven Seas Mariner

From $3,410 per person

From $5,449 per person

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$  100 additional savings (per person)

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$  200 onboard credit (per stateroom)

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Complimentary private car and driver tour

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$  200 additional onboard credit (per stateroom)

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.

To make your reservation or learn about additional cruise offers: Call 1.888.999.9645 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, 2013. Additional restrictions apply to all offers. See Program Details on pages 26 – 30 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.

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Tour Offers

Abercrombie & Kent $250 Additional Savings (per person) on Any Abercrombie & Kent Luxury Small Group Journey 8-Day Kenya Wildlife Safari Tour Discover year-round denizens of Kenya—endangered black rhinos, lions, reticulated giraffes, leopards and more than 300 bird species in Kenya. From $4,395 per person1 n

$  250 additional savings (per person)

Kenya, Africa

Tauck $100 Visa® Gift Card (per person) on Any Tauck Tour 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 person1 n

$100 prepaid Visa Gift Card (per person)

St. Peter’s Basilica, Rome, Italy

Monograms® $50 Additional Savings (per person) on Any Monograms Vacation 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 person1 n

$  50 additional savings (per person)

The White House, Washington, DC

To make your reservation or learn about additional tour offers: Call 1.888.999.9645 19

To take advantage of these offers, you must book January 1 through October 27, 2013, with travel completed by December 31, 2013. 1 Based on double occupancy. Additional restrictions apply to all offers. See Program Details on pages 26 – 30 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.

Fontvielle, Monaco Harbour, Monaco

Travel Benefits

Travel Benefits No International Transaction Fee

Auto Rental Collision Damage Waiver1

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.1

Reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles.

Travel and Emergency Assistance1 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.

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See TRAVEL BENEFITS on pages 29 – 30 in Program Details for important details.

Lost Luggage Locator1 Helps you through the common carrier’s claim procedures and can arrange for the shipment of replacement items.

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Shopping Benefits & Rewards

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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 1.800.242.2728 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 custom-create 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 1.800.838.8853 or visit fromyouflowers.com/mer (reference promo code: 1188)

Luggage Forward® Up to 25% off 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. Call 1.800.419.0000 and say “Shopping” to obtain your promotion code

Additional restrictions apply to all offers. See Program Details on pages 26 – 30 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.

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Gift Card Rewards

Walmart®

Best Buy®

The Home Depot®

Bed Bath & Beyond®

Macy’s

Lowe’s®

Pottery Barn®

Barnes & Noble

Bloomingdale’s

Neiman Marcus®

Nordstrom

Tiffany & Co.

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 26 – 30 for important details or visit card.ml.com.

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Gift Card Rewards

Amazon.com

iTunes®

Darden® Restaurants, Inc.

Starbucks

Panera Bread®

Whole Foods Market

Regal Entertainment Group® Gift Card

Marriott International, Inc.

The Ritz-Carlton®

Bath & Body Works®

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 26 – 30 for important details or visit card.ml.com.

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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 Rewards for BusinessTM 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 25

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See RETAIL PROTECTION on page 29 in Program Details for important details.

Program Details ALL OFFERS MUST BE CHARGED IN FULL TO YOUR MERRILL rewards for businessTM CARD. SEE BELOW FOR DETAILS. Offers, rewards & benefits referenced in this guide are available to holders of the Merrill Rewards for BusinessTM 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 BusinessTM 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, QuasiCash 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. 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 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. 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 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 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 Merrill Points (for up to $100 of additional cost). 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. 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 and the airlineassociated fees must paid for using the cardholder’s Merrill Rewards for Business 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 your Merrill Rewards for Business 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 your Merrill Rewards for Business 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 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. BRITISH AIRWAYS AVIOS Redeem Merrill Points for Avios – Offer valid through December 31, 2013. 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 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 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 – 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 email within 15 days of your request to the email address designated by you at the time of your redemption. DELTA PRIVATE JETSTM 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 offered to a Cardholder who calls DPJ at

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Program Details 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

Light Jet Midsize Jet Super-Midsize Jet Large Jet

Domestic International 300,000 375,000 400,000 475,000 500,000 575,000 600,000

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.

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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 1.888.999.9645. 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 www.amazon. com/gc-legal. GCs are issued by ACI Gift Cards, Inc., a Washington corporation. ©,®,™ Amazon.com Inc. and/ or its affiliates, 2012. 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 www.bn.com for terms and conditions of use. Barnes & Noble is not liable for any alleged or actual claims related to this offer. Bath & Body Works is not a sponsor of this promotion and is not affiliated with the program. The Bath & Body Works® name and logo are registered trademarks of Bath & Body Works Brand Management, Inc. Bed Bath & Beyond® is not a sponsor of this promotion. Terms and conditions apply to gift cards. Bed Bath & Beyond is a registered trademark. © 2012 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. © 2013 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 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. 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 1.800.664.4465; 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 WilliamsSonoma Inc. Pottery Barn is not affiliated with Merrill Lynch and/or Bank of America, nor is a sponsor of this promotion. Regal Cinemedia Corporation is not a sponsor or co-sponsor of this promotion and is not affiliated with this program. Please see back of gift card or visit www.REGmovies.com for terms and conditions of use. Regal Entertainment Group is not liable for any alleged or actual claims related to this offer. ©2013 All rights reserved – Regal Entertainment Group, Inc. 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 cosponsors 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 not a participating partner or sponsor in this offer. The Ritz-Carlton® Hotel Company, L.C.C. is not a sponsor or co-sponsor of this promotion. Use of The Ritz-Carlton logos or trademarks requires written approval from The Ritz-Carlton Hotel Company, L.L.C. See reverse side of TravelCard for complete terms and conditions. Walmart® - Merrill Lynch and/or Bank of America, doing business as Merrill Lynch and/or Bank of America, is/are not affiliated with Walmart Stores, Inc. The services, products or activities of Merrill Lynch and/ or Bank of America, are neither endorsed nor sponsored by Walmart Stores, Inc. THE NETJETS PROGRAM REWARDS Redeem Merrill Points for Flight Hours – The selection of NetJets aircraft and the number of Merrill Points required to redeem are valid through December 31, 2013. Merrill Points accrued in the Merrill Lynch Beyond Rewards® program may be redeemed, in two-hour increments (one-hour 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 Hawker 400XP 336,000 Citation Encore+/Encore 403,000 Citation XLS/Excel 467,000 Hawker 900XP/800XP 537,000 Citation Sovereign 610,000 Citation X 610,000 Gulfstream G200 731,000 Falcon 2000EX/2000 841,000 Gulfstream G450/G400/ 978,000 GIV-SP

Program Details 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, 1.888.999.9645, to arrange for Merrill Points redemptions, after which the Cardholder will be transferred to a NetJets 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 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. CRUISE OFFERS Cruise rates are per person, based on double occupancy, valid on select sailings and subject to availability at time of booking. All itineraries and prices are current at the time of printing and may change without notice. Government fees and taxes are additional. Cruise lines reserve the right to assess a fuel surcharge should the price of oil increase to a predetermined amount even if the fare has already been paid in full. Passengers are required to comply with U.S. government passport requirements, including cruise registration and verification programs. If offered, amenities and/ or inclusions have no cash value and may vary by sail date and stateroom category. We reserve the right to correct any offer errors or omissions. Other conditions may apply. Avalon Waterways® – Additional savings and amenity offers are valid on any new Avalon Waterways sailing booked with a Merrill Lynch Travel Advisor January 1 through October 27, 2013, with travel completed by December 31, 2013. Crystal® Cruises – Additional $100 savings per person offer is valid on Crystal Cruises sailings booked with a Merrill Lynch Travel Advisor January 1 through October 27, 2013, with travel completed by December 31, 2013. Regent Seven Seas Cruises® – Additional $200 onboard credit per stateroom offer is based on double occupancy and is valid on any Regent Seven Seas Cruises sailings booked with a Merrill Lynch Travel Advisor January 1 through October 27, 2013, with travel completed by December 31, 2013. Double Merrill Points – Offer is valid on new cruise bookings made January 1 through December 31, 2013. To qualify, bookings must be made with a Merrill Lynch Travel Advisor, paid in full using your Merrill Rewards for Business Card or a combination of your

points and Merrill Rewards for Business Card. Bonus points will not be awarded on any amount paid for with your points. Bonus points are awarded based on the rate quoted at time of booking, which includes cruise fare and taxes. Bonus points will be awarded 4 to 6 weeks after booking date. DELTA AIR LINES This is a limited time promotion, all travel must be booked on or before December 31, 2013 and all travel completed by March 31, 2014. 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. 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 – 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 20% Off Trans-Pacific Flights – 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. HOTEL OFFERS Offers are only valid when requested at time of booking. Pricing is per person based on double occupancy and reflects savings. Offer includes accommodations and inclusions as indicated. Offers are subject to change without notice, are valid for new bookings only and may not be combined with any other offers. No credit will be issued for unused days or inclusions. Not responsible for omissions or printing errors. Other conditions may apply. Hyatt® – Participating properties include Park Hyatt Aviara Resort (California), Hyatt Regency Century Plaza at Beverly Hills (California), Hyatt Regency Huntington Beach Resort and Spa (California), Hyatt Regency Monterey Hotel & Spa (California), Hyatt Regency Indian Wells Resort & Spa (California), Park Hyatt Beaver Creek Resort & Spa (Colorado), Grand Hyatt Denver (Colorado), Hyatt Regency Pier Sixty-Six (Florida), Grand Hyatt Tampa Bay (Florida), Hyatt Regency Grand Cypress (Florida), Hyatt Regency Waikiki Beach Resort

& Spa (Hawaii), Grand Hyatt Kauai Resort & Spa (Hawaii), Hyatt Regency Maui Resort and Spa (Hawaii), Park Hyatt Chicago (Illinois), Hyatt Regency Tamaya Resort & Spa (New Mexico), Hyatt Regency Lake Tahoe Resort, Spa and Casino (Nevada), Hyatt Regency Austin (Texas), Hyatt Regency Hill Country Resort and Spa (Texas), Grand Hyatt Seattle (Washington), Park Hyatt Washington D.C., Park Hyatt Toronto (Canada), Hyatt Regency Aruba Resort & Casino (Aruba), Hyatt Regency Curacao Golf Resort, Spa and Marina (Curacao), Park Hyatt Mendoza Hotel, Casino & Spa (Argentina), Park Hyatt Melbourne (Australia), Park Hyatt Sydney (Australia), Grand Hyatt Santiago (Chile), Park Hyatt Beijing (China), Grand Hyatt Shanghai (China), Park Hyatt Paris Vendôme (France), Park Hyatt Hamburg (Germany), Park Hyatt Milano (Italy), Grand Hyatt Tokyo (Japan), Park Hyatt Tokyo (Japan), Grand Hyatt Seoul (South Korea), Park Hyatt Seoul (South Korea), Park Hyatt Zurich (Switzerland), Park Hyatt Istanbul (Turkey), Park Hyatt Dubai (UAE) and Park Hyatt Saigon (Vietnam). Offers are valid for bookings made January 1 through October 27, 2013, with travel completed by December 31, 2013. Hotel amenity offers are only combinable with select rates and are subject to availability at the time of check-in. We reserve the right to correct any errors or omissions. Sofitel Luxury Hotels – Participating properties include Sofitel Los Angeles (California), Sofitel Chicago Water Tower (Illinois), Sofitel New York (New York), Sofitel Philadelphia (Pennsylvania), Sofitel Buenos Aires (Argentina), Sofitel Bogotá Victoria Regia (Colombia), Sofitel Cartagena Santa Clara (Colombia), Sofitel Legend Old Cataract Aswan (Egypt), Sofitel Winter Palace Luxor (Egypt), Sofitel Paris Le Faubourg (France), Sofitel Moorea Ia Ora Beach Resort (French Polynesia), Sofitel Fes Palais Jamai (Morocco), Sofitel Legend The Grand Amsterdam (Netherlands), Sofitel Queenstown Hotel & Spa (New Zealand) and Sofitel Legend Metropole Hanoi (Vietnam). Offers are valid for bookings made January 1 through October 27, 2013, with travel completed by December 31, 2013. Hotel amenity offers are only combinable with select rates and are subject to availability at the time of check-in. We reserve the right to correct any errors or omissions. St. Regis – Participating properties include The St. Regis Monarch Beach (California), The St. Regis San Francisco (California), The St. Regis Aspen Resort (Colorado), The St. Regis Bal Harbour Resort (Florida), The St. Regis Atlanta (Georgia), The St. Regis Princeville Resort (Hawaii), The St. Regis Punta Mita Resort (Mexico), The St. Regis Bahia Beach Resort (Puerto Rico), The St. Regis New York (New York), The St. Regis Deer Valley (Utah), The St. Regis Houston (Texas), The St. Regis Washington, D.C., The St. Regis Mexico City (Mexico), The St. Regis Lhasa Resort (China), The St. Regis Beijing (China), The St. Regis Bora Bora Resort (French Polynesia), The St. Regis Bali Resort (Indonesia), The St. Regis Rome (Italy), The St. Regis Doha (Qatar), The St. Regis Singapore (Singapore) and The St. Regis Bangkok (Thailand). Offers are valid for bookings made January 1 through October 27, 2013, with travel completed by December 31, 2013. Hotel amenity offers are only combinable with select rates and are subject to availability at the time of check-in. We reserve the right to correct any errors or omissions. Resort credit has no cash value and must be used during your stay. The Ritz-Carlton® – Participating properties include The Ritz-Carlton Dove Mountain (Arizona), The Ritz-Carlton Half Moon Bay (California), The Ritz-Carlton Lake Tahoe (California), The Ritz-Carlton Laguna Niguel (California), The Ritz-Carlton Marina del Rey (California), The Ritz-Carlton San Francisco (California), The Ritz-Carlton Bachelor Gulch (Colorado), The Ritz-Carlton Denver (Colorado), The Ritz-Carlton Amelia Island (Florida), The Ritz-Carlton Fort Lauderdale (Florida), The Ritz-Carlton Key Biscayne (Florida), The Ritz-Carlton Orlando Grande Lakes (Florida), The RitzCarlton Palm Beach (Florida), The Ritz-Carlton South Beach (Florida), The Ritz-Carlton Buckhead (Georgia), The Ritz-Carlton Kapalua (Hawaii), The Ritz-Carlton New Orleans (Louisiana), The Ritz-Carlton New York Battery Park (New York), The Ritz-Carlton Toronto (Canada), The Ritz-Carlton Montreal (Canada), The Ritz-Carlton Grand Cayman (Grand Cayman), The Ritz-Carlton Golf & Spa Resort Rose Hall (Jamaica), The Ritz-Carlton Cancun (Mexico), The Ritz-Carlton San Juan (Puerto Rico), The Ritz-Carlton St. Thomas (USVI), The Ritz-Carlton Vienna (Austria), The Ritz-Carlton Beijing (China) and The RitzCarlton Moscow (Russia). Offers are valid for bookings made January 1 through October 27, 2013, with travel completed by December 31, 2013. Hotel amenity offers are only combinable with select rates and are subject

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Program Details to availability at the time of check-in. We reserve the right to correct any errors or omissions. Westin® Hotels & Resorts and W Hotels Worldwide – Participating properties include: The Westin Mission Hills Resort & Spa (California), The Westin Ka’anapali Ocean Resort and Villas (Hawaii), The Westin Princeville Ocean Resort Villas (Hawaii), The Westin Michigan Avenue (Illinois), The Westin Riverwalk (Texas), The Westin Resort & Casino (Aruba), The Westin Golf Resort & Spa Playa Conchal (Costa Rica), The Westin Resort & Spa Los Cabos (Mexico), The Westin St. John Resort & Villas (USVI), The Westin Bund Center Shanghai (China), The Westin Excelsior Florence (Italy), The Westin Palace Milan (Italy), The Westin Paris – Vendôme (France), The Westin Excelsior Rome (Italy), The Westin Europa & Regina (Italy), The Westin Palace Madrid (Spain), W Scottsdale Hotel & Residences (Arizona), W Los Angeles Westwood (California), W San Diego (California), W Fort Lauderdale (Florida), W South Beach (Florida), W Atlanta Midtown (Georgia), W New Orleans - French Quarter (Louisiana), W Union Square (New York), W Austin (Texas), W Seattle (Washington), W Washington D.C., W Santiago (Chile), W Mexico City (Mexico), W Barcelona (Spain) and W Retreat & Spa – Vieques Island (Puerto Rico). Offers are valid for bookings made January 1 through December 31, 2013. Hotel amenity offers are only combinable with select rates and are subject to availability at the time of check-in. We reserve the right to correct any errors or omissions. Double Merrill Points – Offer is valid on new hotel bookings made January 1 through December 31, 2013. To qualify, bookings must be made through the Online Travel Reservations Service at card.ml.com or a Merrill Lynch Travel Advisor, paid in full using your Merrill Rewards for Business Card or a combination of your points and Merrill Rewards for Business Card. Bonus points will not be awarded on any amount paid for with your points. Bonus points are awarded based on the rate quoted at time of booking, which includes stay and taxes. Bonus points will be awarded 4 to 6 weeks after booking date. THE NETJETS PROGRAM 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 program agreements (“NJ 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, 2013. 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

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Merrill Lynch – Offer is valid for NetJets Shares and NetJets Leases purchased through December 31, 2013. 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 non-transferable and non-endorsable. 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, 2013. On the first 25-Hour Marquis Jet Card purchased, NetJets, through its partnership with Savoya, 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 one-time 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. Complimentary Aviation Consultation – Offer is valid through December 31, 2013. 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. RETAIL OFFERS Blue Nile – Offer valid on full-price jewelry items excluding sale merchandise, loose diamonds, Build Your Own Diamond Jewelry, gift certificates, and cleaning supply purchases. Promotion code MERRILL13 MUST be entered in cart or mentioned over phone at time of purchase. Offer subject to change, and is based on individual merchant’s terms and conditions. Offer may not be combined with any other offer and cannot be applied retroactively. Void where prohibited. Any taxes are the sole responsibility of the purchaser. Offer valid through midnight PT on December 31, 2013. From You Flowers – Offer valid through December 31, 2013. For gift baskets containing alcohol, the recipient must be over the age of 21. To receive the exclusive discount your purchase must be charged in full to your Qualifying Merrill Lynch Card. Offer cannot be combined with any other offer or promotion. Order as often as you like. Savings do not apply to shipping and handling. For same day deliveries, must place order by 3 PM in the recipient’s time zone. Visit fromyouflowers.com for complete details and restrictions. Luggage Forward – Offer valid only when requested at the time of booking. Qualifying Merrill Lynch Card must be used as form of payment. Cannot be combined with any other offer or promotion. Offers expire December 31, 2013. To obtain promotion code, call 1.800.419.0000 and say “Shopping.” Luggage Forward reserves the right to reject any booking when, in the judgment of Luggage Forward, the service ordered may not comply with Luggage Forward’s Terms of Service. TOURS Pricing is per person based on double occupancy. Offer includes accommodations and inclusions as indicated. Offers are subject to change without notice, are valid for new bookings only and may not be combined with any

other offers. No credit will be issued for unused days or inclusions. Not responsible for omissions or printing errors. Other conditions may apply. Abercrombie & Kent – Pricing displayed and $250 exclusive savings offer is per person and based on double occupancy. Offers are valid for new Abercrombie & Kent Luxury Small Group Journey bookings made with a Merrill Lynch Travel Advisor January 1 through October 27, 2013, with travel completed by December 31, 2013. Offer includes accommodations and inclusions as indicated. Offers are subject to change without notice. No credit will be issued for unused days or inclusions. We reserve the right to correct any offer errors or omissions. Other conditions may apply. Monograms® – Additional savings offer and pricing are valid on any new Monograms package booked with a Merrill Lynch Travel Advisor January 1 through October 27, 2013, with travel completed by December 31, 2013. Offer includes accommodations and inclusions as indicated. Price is per passenger based on double occupancy and does not include airfare. Offers are subject to change without notice. No credit will be issued for unused days or inclusions. We reserve the right to correct any offer errors or omissions. Other conditions may apply. Tauck – Pricing displayed and exclusive $100 prepaid Visa® Gift Card offer is per person and based on double occupancy. Offers are valid for new Tauck bookings made with a Merrill Lynch Travel Advisor January 1 through October 27, 2013, with travel completed by December 31, 2013. Offer includes accommodations and inclusions as indicated. Offers are subject to change without notice. No credit will be issued for unused days or inclusions. We reserve the right to correct any offer errors or omissions. Other conditions may apply. MERRILL LYNCH CONCIERGE To access the Merrill Lynch Concierge Service, call 1.888.999.9645. The service is available 24 hours a day, 7 days a week. An independent third-party will provide the Concierge Service (“Concierge Provider”) and associated upgrades and shall at times refer you to other third-party service providers, who are not employees or agents of Merrill Lynch, the issuer or the Concierge Provider and are solely and exclusively responsible for all matters with respect to their services or products. You acknowledge and agree, for yourself and any person or entity claiming through you, that: (i) the sole and exclusive remedy for any claim, loss, damage, expense, personal injury, death, or other claim resulting or arising from, or related to, the Concierge Service, associated upgrades or the referral of any service provider shall be against the service provider; and (ii) Merrill Lynch, the issuer and their respective directors, officers, employees, or affiliates make no representation or warranty about the quality of services or products provided by the Concierge Provider. Certain Concierge Service requests may be subject to a fee. Purchases (and fees, if applicable) must be billed to the Cardholder’s Qualifying Card. RETAIL PROTECTION Purchase Security – Certain terms, conditions and exclusions apply. The maximum claim limit is $10,000 per claim, $50,000 per cardholder for eligible items of personal property. For more information, call 1.866.617.1859. Extended Protection – Extended Protection doubles the time period of the original manufacturer’s written U.S. warranty up to one (1) full year on warranties of three (3) years or less up to a maximum of $10,000 per claim. SECURITY Zero Liability Protection – You will not be liable for unauthorized use of your card. Additional conditions apply. Refer to your Business Card Agreement for details. Terminated Employee Misuse Insurance – Certain terms, conditions and exclusions apply. Please log into your account through bankofamerica.com for more details. TRAVEL BENEFITS Certain terms, conditions and exclusions apply to the services listed. For a complete listing of benefits, log on to card.ml.com. Lost Luggage Assistance Service provides information and referral only. The costs of any goods or services purchased are the responsibility of the cardholder. The redemption of Merrill Points is governed by the Beyond Rewards® Program Terms & Conditions available at card.ml.com. The Program is sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated

and administered by FIA Card Services, N.A. (referred to as “our”, “we” or “us”) who may change the Beyond Rewards® program terms and conditions at any time. When any change is made to the program terms and conditions, we will post the revision(s) online at card.ml.com or notify you in writing, as applicable. The Merrill Rewards for Business Card program is issued and administered by FIA Card Services, N.A. (“the issuer”). Merrill Rewards for Business is a trademark and Anytime, Anywhere, Any Airline; Bank of America, Beyond Rewards®, Merrill Lynch Wealth Management, the Bull Symbol, Merrill Lynch, Merrill Points, Merrill Lynch Working Capital Management Account, Working Capital Management Account, WCMA are registered trademarks

of Bank of America Corporation. Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuers pursuant to a license from Visa U.S.A. Inc. FIA Card Services is a registered trademark of FIA Card Services, N.A. All other company, product and service names may be trademarks or service marks of others and their use does not imply endorsement of, or an association with this program. All product and service descriptions were provided by the respective providers, and Merrill Lynch is not responsible for any inaccuracies in such descriptions.

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