Details of Rate, Fee and Other Cost Information

Account terms are not guaranteed for any period of time. All terms, including fees and APRs for new
transactions, may change in accordance with the Credit Card Agreement and applicable law based on
information in your credit report, market conditions, business strategies, or for any reason. Please review
all the materials in this package so that you are fully informed about the terms of this credit card offer.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for
Purchases

0% Introductory APR for the first 12 Statement Closing Dates following the opening
of your account.
After that, your APR will be

12.99% to 22.99%, based on your

creditworthiness when you open your account. This APR will vary with the market
based on the Prime Rate.
APR for Balance Transfers

0% Introductory APR for the first 12 Statement Closing Dates following the opening of
your account for transactions made within 60 days of opening your account.
After that, your APR will be 12.99% to 22.99%, based on your creditworthiness when
you open your account. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

15.99% to 24.99%, based on your creditworthiness when you open your account, for
Direct Deposit and Check Cash Advances, and
24.99% for Bank Cash Advances. See footnotes 1 and 2 for explanation.
Fo otnote

Fo otnote

These APRs will vary with the market based on the Prime Rate.
Penalty APR
and When it Applies

Up to 29.99%, based on your creditworthiness.

This APR will vary with the market based on the Prime Rate.
This APR may be applied to new transactions on your account if you:
Make a late payment.
How Long Will the Penalty APR Apply?: If your APRs are increased, the Penalty
APR will apply indefinitely.

How to Avoid Paying Interest on

Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not
charge you any interest on purchases if you pay your entire balance by the due date
each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.50.

For Credit Card Tips from the

Consumer Financial Protection
Bureau

To learn more about factors to consider when applying for or using a credit card,
visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

Fees
Annual Fee

None

Transaction Fees
Purchases

Purchases of wire transfers from a non-financial institution:

Either $10 or 5% of the amount of each transaction, whichever is greater.

Balance Transfers

Either $10 or 3% of the amount of each transaction, whichever is greater.

Cash Advances

Direct Deposit and Check Cash Advances:

Either $10 or 3% of the amount of each transaction, whichever is greater.
ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances:
Either $10 or 5% of the amount of each transaction, whichever is greater.
Overdraft Protection Cash Advances (if enrolled):
$12 for each transaction (not assessed if checking account overdrawn by less than
$10).

Foreign Transactions

3% of the U.S. Dollar amount of each transaction made in a foreign currency or made
in U.S. Dollars that is processed outside the United States.
This fee will be in addition to any other applicable fee.

Penalty Fees
Late Payment

Up to $38

Returned Payment

Up to $27

How We Will Calculate Your Balance: We use a method called average daily balance (including new
purchases).
Payments are allocated to posted balances. If your account has balances with different APRs, we
will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest
APR balances first. Payment amounts in excess of your Total Minimum Payment Due will be
applied to balances with higher APRs before balances with lower APRs.

Any Direct Deposits completed at the time your application is processed will be Balance Transfers.
2

Bank Cash Advances include ATM, Over-the-Counter, Same-Day Online, Overdraft Protection and Cash
Equivalent (money orders, foreign currency, and travelers checks from a non-financial institution, personto-person money transfers, bets, lottery tickets, casino gaming chips and bail bonds) Cash Advances.
More Information about Penalty Fees and Penalty APR
Penalty Fees: If your Total Minimum Payment Due is not received by your Payment Due Date, a Late
Payment Fee of $27 will be assessed; $38 for subsequent occurrences that are within 6 billing cycles of a
previous occurrence. However, the Late Payment Fee will not exceed the total minimum payment that was

due. If your balance is $100 or less on the Payment Due Date, we will not assess a Late Payment Fee.
The Returned Payment Fee will not exceed the total minimum payment that was due.
Penalty APR: Your Penalty APR will not exceed 29.99% on new transactions. There is no Penalty APR on
existing balances.
CONDITIONS
By submitting this application, you: (1) acknowledge that you have reviewed the credit card Terms and Conditions; (2)
agree to submit your application for this credit card subject to those Terms and Conditions; and (3) authorize us to use the
information in your application, and any other information we or our affiliates have about you, to determine your ability to
pay, as required by Federal law.
The words you and your apply to each person who submits the application. You have read the accompanying application, and
you affirm that everything you have stated is true and complete. You are at least 18 years of age or you are at least 21 years of age if
a permanent resident of Puerto Rico. You authorize Bank of America, N.A. (hereinafter us or our) to obtain your credit report(s),
employment history and any other information in order to approve or decline this application, service your account, and manage our
relationship with you. You consent to our sharing of information about you and your account with the organization, if any, endorsing
this credit card program. You authorize us to share with others, to the extent permitted by law, such information and our credit
experience with you. In addition, you may as a customer later indicate a preference to exempt your account from some of the
information-sharing with other companies (opt-out). If you accept or use an account, you do so subject to the terms of this
application, the Details of Rate, Fee and Other Cost Information and the Credit Card Agreement, as it may be amended; you also
agree to pay and/or to be held jointly and severally liable for all charges incurred under such terms. Any changes you make to the
terms of this application will have no effect. You understand that if your application is approved with a credit line that is greater than
or equal to $5,000, you will receive a Visa Signature account; if your credit line is less than $5,000, you will receive a Platinum
Plus account. The benefits for Platinum Plus accounts differ from Visa Signature accounts. You also understand that the Annual
Percentage Rate you receive will be determined based on your creditworthiness. You understand that only a portion of your Total
Credit Line will be available for Bank Cash Advances. You accept that on a periodic basis your account may be considered for
automatic upgrade at our discretion. You consent to and authorize us, any of our affiliates, or our marketing associates to monitor
and/or record any of your phone conversations with any of our representatives. If additional development is necessary based on the
application information provided, we will make every attempt to contact you.
FEATURES
BankAmericard Cash Rewards Program Information. Earn base cash rewards of 1% of all new Net Purchases (qualifying
purchases less credits, returns, and adjustments) charged to the card each billing cycle. You will earn total cash rewards of 2%
(consisting of 1% bonus cash rewards and 1% base cash rewards) for Net Purchases at eligible grocery merchants and 3%
(consisting of 2% bonus cash rewards and 1% base cash rewards) for Net Purchases at eligible gas merchants (the "Bonus
Categories"), for the first $1,500 of combined Net Purchases made during each calendar quarter in the Bonus Categories. Eligible
merchants and the associated merchant category codes ("MCC") for the Bonus Categories are the following: (a) Grocery (MCC
5411-Grocery Stores/Supermarkets, 5422-Freezer/Meat Lockers, 5441-Candy/Nut/Confection Stores, 5451-Dairy Product Stores,
5462-Bakeries, and 5499-Misc. Food Stores-- please note that this list does not include codes for Discount Stores or Wholesale
Clubs); and (b) Gas (MCC 5541-Service Stations and 5542-Automated Fuel Dispensers). Although we do not determine which
MCC a merchant chooses to classify itself, merchants are generally classified based upon their primary line of business. Purchases
made at merchants that do not process transactions under these specified codes and purchases submitted through a third-party
payment account (e.g. PayPal) will not qualify to receive bonus points. You will earn base cash rewards of 1% for Net Purchases in
excess of $1,500 in each quarter in the Bonus Categories. Balance Transfers, Cash Advances, including purchases of money orders
or other cash equivalents, fees, interest charges, fraudulent transactions and certain other charges do not earn cash rewards. Cash
rewards shall be issued for a U.S. dollar sum in the form of a statement credit, a check, or an electronic deposit to a Bank of
America checking or savings account, or a contribution to a Merrill Lynch Cash Management Account. Cash rewards redeemed into
a checking or savings account with Bank of America, N.A. or a Merrill Lynch Cash Management Account will be 10% greater than
the other types of cash rewards ($25 in cash rewards = $27.50 deposit). Cash rewards may be requested on demand, or by
registering for the automatic reward redemption method of choice, as described in more detail in the Program Rules. Other
significant terms apply. Program subject to change. For more information, visit www.bankofamerica.com/cashrewards. Details
accompany new account materials.

Bonus Cash Rewards Offer. You will qualify for $100 bonus cash rewards if you use your new credit card account to make any
combination of Purchase transactions totaling at least $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 cash rewards 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 cash rewards offers
can vary from this promotion and may not be substituted. Allow 8-12 weeks from qualifying for the bonus cash rewards 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.
Mobile Banking. Mobile Banking requires enrollment through the Mobile Banking app, Mobile Website or Online Banking. View
the Online Banking Service Agreement for more information. Data connection required. Wireless carrier fees may apply. The Mobile
Banking app is available on iPad, iPhone, and Android devices.
Alerts. Alerts received as text messages on your mobile access device may incur a charge from your mobile access service
provider. The Mobile Banking app and Mobile Banking app alerts are not available on select devices. Mobile Banking app alerts are
not available on the Mobile Website.
$0 Liability Guarantee. The $0 Liability Guarantee covers fraudulent purchases and payments made by others using your account.
To be covered, dont share personal or account information with anyone. Claims may only be filed by accountholder against posted
and settled transactions subject to dollar limits and verification, including providing requested information supporting fraudulent use
claim.
Text Banking. Bank of America does not charge for Text Banking. However, your mobile service provider may charge for sending
and receiving text messages on your mobile phone. Check with your service provider for details on specific fees and charges that
may apply.
Card Benefits. Certain restrictions apply to each benefit. Platinum Plus card benefits differ from Visa Signature card benefits (i.e.,
coverage amounts vary and some benefits are not available). Details accompany new account materials.
Overdraft Protection. Overdraft transfers to your eligible Bank of America checking account from your credit card account will be
Bank Cash Advances under your Credit Card Agreement. Transfers will be subject to the terms of both your Credit Card Agreement
and the account agreement(s) and disclosures governing your Bank of America checking account. If you link your Bank of America
checking account to your credit card for Overdraft Protection, we will automatically transfer funds in multiples of $100 from your
credit card account to cover any overdraft on your checking account, as long as the portion of credit available for cash on your credit
card account is sufficient and you are not in default under your Credit Card Agreement. A fee of $12 will apply for each transaction.
The fee will not be assessed if your checking account is overdrawn by a total amount less than $10, after we finish processing for
the day. The Bank Cash Advance will accrue interest at the APR stated in your Credit Card Agreement. If the portion of credit
available for cash on your credit card account is insufficient to cover the amount required by the overdraft (in the multiple of funds
stated above), we may advance the funds even if it causes your credit card account to exceed your Cash Credit Line. Linking
Overdraft Protection from your Bank of America checking account to your credit card will end any Overdraft Protection connections
to your Bank of America savings account. Please see your Credit Card Agreement for additional details.
BALANCE TRANSFERS
If the total amount you request exceeds your Total Credit Line, we may send full or partial payment to your creditors in the order you
provide them to us. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer
appears as a credit. Balance Transfers incur interest charges from the transaction date. If you revolve your balance to take
advantage of a promotional or introductory offer, all transactions and balances, including purchases, will be charged interest. The
Balance Transfer fee is 3% of the amount of the transaction (min. $10). If you have a dispute with a creditor and pay that balance by
transferring it to your new account, you may lose certain dispute rights. Balance Transfers may not be used to pay off or pay down
any account issued by Bank of America, N.A., FIA Card Services, or its affiliates.
The information contained in these disclosures is updated regularly, but may have changed since the last update.
The Bank of America Privacy Notice is available at www.bankofamerica.com and accompanies the credit card.

This credit card program is issued and administered by Bank of America, N.A. Any account opened in response to this application shall be governed by the laws of the State of
North Carolina. 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. 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.
BankAmericard Cash Rewards is a trademark and Merrill Lynch Cash Management Account, Platinum Plus, Bank of America and the Bank of America logo are registered
trademarks of Bank of America Corporation.
2015 Bank of America Corporation