Discover how much the MERRILL+® Visa Signature® credit ...

[Pages:2]The MERRILL+? Visa Signature? Credit Card

Discover how much the MERRILL+? Visa Signature? credit card has to offer

Experience an extraordinary credit card with remarkable rewards, luxury travel benefits, personalized service and leading security features--all with no annual fee.1 Once you achieve Plus Level2, you'll have access to our newest travel benefit--the $200 Travel Credit.3

Remarkable rewards ? Watch your Merrill Points? add up quickly by earning one point for

every dollar you spend on purchases.4 ? Points can be redeemed for travel, cash back, or gift cards.

Receive a one-time bonus of 25,000 Merrill Points? after making at least $2,500 in purchases within the first 90 days.5 Redeem your bonus points for an airline ticket up to $500 (inclusive of taxes and fees),6 $250 cash back or another of our other rewarding redemption options.

Plus Level2 benefits Once you achieve Plus Level2 by spending $50,000 in net purchases in a calendar year, you can choose to receive either a Delta Sky Club? membership7 or our new $200 Travel Credit benefit.3 The Travel Credit benefit provides up to $200 in statement credits each calendar year towards qualified incidental travel purchases charged to your MERRILL+? card. Qualified purchases include:

? Baggage fees ? Flight-change and cancellation fees ? Seat upgrades ? Pet travel fees ? In-flight meals and beverages ? Entertainment fees ? In-flight Wi-Fi ? Airport lounge day passes associated with eligible airlines ? Global Entry application fees, or application fees for expedited

check in at select airports Once enrolled, your MERRILL+ account will be automatically credited for eligible purchases.

Luxury travel experiences ? Save with no foreign transaction fee on international purchases.1 ? Shop anywhere with the card's smart-chip technology, allowing

greater acceptance by merchants worldwide. ? Travel further with travel upgrades, discounts and

complimentary amenities. ? Know you're protected when you travel with Emergency

Evacuation Insurance up to $100,000, Trip Cancellation/ Delay, Auto Rental Collision Damage Waiver, Lost Luggage Reimbursement, Common Carrier Travel Accident Insurance, and Travel and Emergency Assistance.8

Personalized service ? Call Merrill Lynch Concierge9 to help with everyday requests, from

arranging a car service to getting tickets to a Broadway show. ? Merrill Lynch Travel Advisors are available 24/7 to assist you in

building the vacation itinerary of your dreams. ? Call dedicated client services representatives who are available

24 hours a day, 365 days a year to answer your account questions. ? Sign in at or or use the

Bank of America? Mobile Banking app10 to see your MERRILL+ credit card account information.

Leading security and retail protection ? Rest assured knowing you will not be held liable for fraudulent

purchases with our $0 Liability Guarantee.11 ? Be aware of any suspicious activity with the card's Early Fraud

Monitoring feature. Changes in your spending patterns are instantly detected using leading behavioral technology and data analysis. If fraud is suspected, you will be alerted immediately. ? Shop with confidence, thanks to the card's retail protection features including Purchase Security12 and Warranty Manager.12

See last page for additional important information.

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 ("BofA Corp.").

Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp.

Investment products:

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value

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To apply for the MERRILL+ credit card, contact your Merrill Lynch financial advisor. To learn more, visit card..

1The Variable Annual Percentage Rates (APRs) for this account are currently 12.99% for Purchases, Balance Transfers, and Direct Deposit and Check Cash Advances; and 17.99% for Bank Cash Advances. The Introductory APR for any Balance Transfers and Direct Deposits made within 60 days of opening your account is 0.00% for the first 12 Statement Closing Dates. A Variable Penalty APR of up to 29.99%, based on your creditworthiness, may be applied to new transactions on your account if you make a late payment. Minimum Interest Charge is $1.50. Balance Transfer fee is 3% (min. $10). Cash Advance fees are: 3% (min. $10) for Direct Deposit and Check Cash Advances; and 5% (min. $10) for ATM, Over-the-Counter, SameDay Online and Cash Equivalent Cash Advances; and no fee for Overdraft Protection Cash Advances. Transaction Fee for purchases of wire transfers from a non-financial institution is 5% (min. $10). The Variable APRs for your account will vary with the market based on the Prime Rate. In addition, we reserve the right to change the fees, APRs for new transactions, and other terms of the account in accordance with the Credit Card Agreement and applicable law. This information is accurate as of 10/2015 and may have changed. For current information, please contact your financial advisor.

2Achievement of Plus Level is based on the Annual Purchase Volume, which is defined as the total value of net retail purchases charged to the Qualifying Card each year ending on the closing date of your last Billing Cycle Statement within the calendar year. There are two levels of Benefits offered under the Benefits Program. Balance transfers, cash advances, including purchases of cash equivalents of any kind, fees, interest charges, credit insurance and fraudulent transactions will not qualify for achievement of the Plus Level. All eligible Cardholders are entitled to the first level of Benefits ("Base"), which are ongoing and are not re-earned.

3$200 Travel Credit: Primary Cardholders are eligible to enroll after spending $50,000 or more in a calendar year on their card and reaching Plus Level. To enroll in benefit, Cardholders must enroll their account by calling 800.419.0000. Cardholders will then remain enrolled in the program as long as they met Plus Level requirements in the prior year or until they call to cancel. Statement credits will be up to $200 a calendar year toward incidental fee transactions, and any unused amounts will not carry over into the following year. The statement credit award amount of $200 will reset on January 1 of every calendar year. Qualified transactions made by Primary Cardholder and Authorized Users on enrolled Card Account are eligible for statement credits.

For Travel Credits, "qualifying" transactions are defined as airline incidental fee transactions made on domestic-originated flights on 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 for statement credits. Airline incidental fee transactions must be separate from airline ticket charges and must be incurred after enrollment to qualify. 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. Airline incidental fee transactions made at other airlines are not eligible for the statement credits. Bank of America Merrill Lynch and Visa further have no control over changes in airline fee pricing or other Services. In addition, the non-airline fees such as onboard wireless, Global Entry $100 application fee and application fees for other select airport expedited security check-in providers are deemed qualified transactions. The non-airline merchants must submit the ancillary fees under the appropriate MCC, industry code or required service or product identifier to be identified as a qualifying airline incidental fee transaction.

Cardholders should allow six to eight weeks after qualifying airline incidental fee is charged to Card account for statement credit(s) to be posted to the account. We rely on airlines to submit the correct information on airline transactions, so Cardholders should call the number on the back of their card if a statement credit has not posted within six to eight weeks from the date of the qualifying transaction. Cardholders remain responsible for making all required payments as reflected on their monthly Card statements. Card account must be active and not in default at the time of statement credit fulfillment to receive benefit. For additional information about this benefit, Cardholders should call 800.419.0000

Global Entry: Global Entry is a U.S. government program, operated by U.S. Customs and Border Protection (CBP). Bank of America Merrill Lynch and Visa have no control over the program including, but not limited to, application, approval process or enrollment, and fees charged by CBP, and no liability with regard to the Global Entry program. For complete details on the Global Entry program, including full terms and conditions, visit .

4Earn 1 point per dollar of new net retail purchase transactions (qualifying purchases less credits, returns and adjustments) charged to the card each billing cycle. Merrill Points are calculated at each transaction and are subject to verification. Fractions of Merrill Points greater than .50 are rounded up and less than or equal to .50 are rounded down. Balance transfers, cash advances, including purchases of money orders or other cash equivalents, fees, interest charges, fraudulent and certain other charges do not earn points. Additional terms apply. Program terms may change. Details accompany new account materials or view Program Rules at card..

5You will qualify for 25,000 bonus points if you use your new credit card account to make any combination of Purchase transactions totaling at least $2,500 (exclusive of any fees, returns and adjustments) that post to your account within 90 days of the account open date. Limit one (1) bonus points offer per new account. This one-time promotion is limited to new customers opening an account in response to this offer. Other advertised promotional bonus points offers can vary from this promotion and may not be substituted. Allow 8-12 weeks from qualifying for the bonus points to post to your rewards balance. The value of this reward may constitute taxable income to you. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of such reward. Please consult your tax advisor, as neither we nor our affiliates provide tax advice.

6Air Rewards start at 25,000 Merrill Points and a maximum dollar value of $500 (inclusive of taxes and fees) for flights on all available carriers. Please visit card. for further details.

7The primary Cardholder is eligible to enroll in a complimentary airport lounge membership after spending $50,000 or more on their card and reaching Plus Level. Delta Sky Club? Airport Lounge Membership (Plus Level)--Membership is valid for one year beginning in the month requested or, if Cardholder has a current membership, one year will be added to the expiration date. May take four (4) to six (6) weeks to process. Delta Sky Club membership terms, conditions and house rules apply. For the complete Delta Sky Club terms, conditions and house rules, Cardholders should visit skyclub. Delta Sky Club membership is nontransferable and nonrefundable. Cardholders must be at least 21 years of age for Club membership or access. Delta reserves the right to revise its Club terms and conditions without notice. Delta Sky Club members will not be compensated for changes in locations, rates or policies. Delta Sky Club facilities may be used only in conjunction with same-day ticketed air travel. Delta Sky Club house rules must be observed or membership may be terminated without compensation. Access to partner lounges subject to each partner's rules, terms and conditions. Additional restrictions may apply.

8Certain terms, conditions and exclusions apply to the services listed. For a complete listing of MERRILL+ benefits, log on to card.. To be eligible for Travel and Emergency Assistance, you must charge the trip to your MERRILL+ card. Visa Travel and Emergency Assistance Services provide assistance and referrals only. You are responsible for the cost of any actual medical or legal services, transportation, cash advance or other services or goods provided.

9The costs of any goods or services purchased through Merrill Concierge are the responsibility of the cardholder. These purchases must be made with the MERRILL+? Visa Signature? credit card. Benefits are subject to card usage, availability and other significant restrictions. Please see Program Rules at card. or call 877.465.2733.

10Mobile Banking requires enrollment through the Mobile Banking app, mobile website or Online Banking. View the Online Banking Service Agreement at serviceagreement for more information. Data connection required. Wireless carrier fees may apply. The Mobile Banking app is available on iPad, iPhone, and Android devices.

11The $0 Liability Guarantee covers fraudulent transactions made by others using your consumer account. To be covered, don't share personal or account information with anyone. Claims may only be filed by account holder against posted and settled transactions subject to dollar limits and verification, including providing requested information supporting fraudulent use claim.

12Certain terms, conditions and exclusions apply to the services listed. For a complete listing of MERRILL+ benefits, log on to card.. For Purchase Security, the maximum claim limit is $10,000 per claim, $50,000 per cardholder for eligible items of personal property. For more information, call 800.678.0768.

The redemption of Merrill Points is governed by the Beyond Rewards Program Terms & Conditions available at card.. The Program is sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated and administered by Bank of America, 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. or notify you in writing, as applicable.

This credit card program is issued and administered by Bank of America, N.A. Deposit products and services are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Bank of America, Beyond Rewards, the Bull Symbol, Merrill Lynch, Merrill Points, and MERRILL+ are registered trademarks of Bank of America Corporation.

Delta Sky Club is a registered trademark of Delta Air Lines, Inc.

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.

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.

? 2015 Bank of America Corporation.|ARCHR7R5|SHEET-09-15-0567|337209PM-1015|10/2015

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