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2013 Benefits & Rewards Guide MERRILL+® Visa Signature® Credit Card Endless possibilities await you.

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Page 1: Endless ossibilities await you. - Merrill Lynch ossibilities await you. ... Who couldn’t use the assistance of a personal concierge ... airline and you’ll still earn frequent flyer

2013 Benefits & Rewards Guide

MERRILL+® Visa Signature® Credit Card

Endless possibilities await you.

Page 2: Endless ossibilities await you. - Merrill Lynch ossibilities await you. ... Who couldn’t use the assistance of a personal concierge ... airline and you’ll still earn frequent flyer

Endless Possibilities

Card Benefits ............................... 4

Personalized Service................... 7

Leading Security .......................... 8

Travel Possibilities

Flexible Rewards ....................... 10

Travel Offers ............................... 11

Travel Benefits ........................... 22

Shopping Possibilities

Retail Offers ............................... 24

Gift Card Rewards ..................... 25

Retail Protection ........................ 27

Program Details ...................... 28

To learn even more about all your card has

to offer you in 2013 and beyond, sign in at

card.ml.com.

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 Lynch, MERRILL+, Merrill Lynch Wealth Management, the Bull symbol, Merrill Lynch Cash Management Account, Cash Management Account, CMA, Working Capital Management Account, WCMA, Merrill Points and Beyond Rewards are registered 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.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

© 2013 Bank of America Corporation

Cover: London, England

Right: Pythagorion, Samos, Aegean Islands, Greece

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THE MERRILL+® VISA SIGNATURE® CREDIT CARD

Welcome to your 2013 Benefits & Rewards Guide, where you’ll discover

endless reasons to use your card for all your travels.

2

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Endless possibilities.

3 Powerscourt Gardens, Co Wicklow, Ireland

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

Card Benefits

Endless Possibi l i t ies

4

Travel further.

Be rewarded.

Expect personal service.

Shop confidently.

1 See Credit Card Agreement for details. 2 See TRAVEL BENEFITS on page 32 in Program Details for important details. 3 See ANYTIME, ANYWHERE, ANY AIRLINE® AIR REWARDS on page 28 in Program Details for important details. Air rewards start at 25,000 Merrill Points and a maximum dollar value of $500 for flights on the following carriers: American Airlines, Delta Air Lines, United Airlines and British Airways. Air Rewards start at 30,000 Merrill Points for all other carriers. Reservation and ticketing require at least a 21-day advance notice. If the advance notice requirement restriction is not met, the ticket will require an additional 5,000 Merrill Points. Certain terms, conditions and exclusions apply. Please visit card.ml.com for further details. 4 See MERRILL LYNCH CONCIERGE on page 32 in Program Details for important details. 5 See SECURITY on page 32 in Program Details for important details. 6 See RETAIL PROTECTION on page 32 in Program Details for important details.

Use your MERRILL+ credit card all over the world—there’s no foreign transaction fee1 and its smart chip technology means it’s widely accepted by international merchants. Plus, you’ll always be prepared for the unexpected with Lost Luggage Reimbursement, Trip Assurance, Emergency Evacuation and Auto Rental Collision Damage Waiver.2

Every time you use your card for purchases, you earn Merrill Points® in the Beyond Rewards® program. Redeem your points for gift cards starting at 2,500 points, cash or travel—including air travel starting at just 25,000 points with no black-out dates or required Saturday-night stays.3

Enjoy the convenience of having 24/7 Customer Service, Merrill Lynch Concierge4 and Merrill Lynch Travel Advisors, at hand, ready to assist you with nearly any request.

You will not be held liable for fraudulent purchases with $0 Liability Guarantee.5 What’s more, you’ll enjoy the benefits of Early Fraud Monitoring, Purchase Security and Warranty Manager.6

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Card Benefits

Endless Possibi l i t ies

5 Marina Bay, Singapore

Earn points when you use your card for all your purchases.

Set up recurring payments on your card.

Turn points into rewards.

1 See EARNING AND REDEEMING MERRILL POINTS—HIGHLIGHTS on page 28 in Program Details for important details. 2 The CMA account is a securities account with Merrill Lynch, Pierce, Fenner & Smith Incorporated. The account provides access to services and products offered by licensed banks, including checking and FDIC-insured deposits that are held at the banks. Securities, mutual funds and other non-deposit investment products available through the account are not FDIC insured, not guaranteed by a bank and may lose value.

Not only will you enjoy leading security, travel and shopping benefits

every time you use your MERRILL+ credit card, but you’ll also earn

Merrill Points®. Earn 1 point for every net retail dollar you spend on

purchases and redeem for a variety of valuable rewards.1

Earn even more points when you set up your monthly bills such as

utilities, gym membership, Internet, phone or other service providers

to be billed automatically to your MERRILL+ credit card.

Choose from travel, gift card or cash rewards including:

n Deposit into a Bank of America® checking or savings account or

a Merrill Lynch Cash Management Account® (CMA®)2

n MERRILL+ credit card statement credit

To redeem or check your point balance: Sign in at card.ml.com

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The possibilities get better the more you use your card.

6

Spend $50,000 or more a year on your card and receive:

Plus Level Airport Lounge Access

Card Benefits

Endless Possibi l i t ies

Virtually every dollar you spend on purchases moves you closer to achieving Plus Level—granting you access to a broader selection of new benefits and offers.

1 Membership is valid for one year beginning in the month requested or, if you have a current membership, one year will be added to the expiration date. Full terms and conditions for membership are available for review at aa.com/admiralsclub, delta.com/skyclub or loungeclub.com.

Additional restrictions apply to all offers. See Program Details on pages 28 – 32 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.

Plus Level Travel and Retail offers

Hertz®: Up to 20% savings on Hertz rentals; plus $40 off weekly rentals; up to $25 off weekly or weekend rentals; and complimentary two-car class upgrade

Luggage Forward®: Up to 20% off luggage delivery

Complimentary airport lounge membership—choose from one of the three options: 1 n American Airlines Admirals Club®n Delta Sky Club®n LOUNGE CLUB™

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7 Cabo San Lucas, Baja, Mexico

Personalized Service

Endless Possibi l i t ies

Life is busy. Leave it to us.

Plan the trip of a lifetime.

Expect stellar service.

1 See MERRILL LYNCH CONCIERGE on page 32 in Program Details for important details.

Who couldn’t use the assistance of a personal concierge trained to

turn your vision into reality? Whether it’s as simple as arranging car

service to the airport or getting tickets to a Broadway show,

Merrill Lynch Concierge1 can help.

To speak with a Merrill Lynch Concierge: Call 1.800.419.0000 and say “Concierge”

Merrill Lynch Travel Advisors are on-hand to assist you in building

the itinerary of your dreams for your next vacation. From finding a

destination to reserving a car, you’ll be amazed at how easy planning

and booking your next adventure can be.

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.

To speak with a Merrill Lynch Travel Advisor: Call 1.800.419.0000 and say “Travel”

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 1.877.465.2733

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8

Limpopo, South Africa

Leading Security

Endless Possibi l i t ies

Trust that you’re protected. $0 Liability Guarantee.1 You are not held responsible for fraudulent credit card purchases. If you notice a fraudulent purchase, please notify us

promptly and it will be credited to your account, often as soon as the next day.

Early Fraud Monitoring. Changes in your spending patterns are instantly detected using leading behavioral technology and data analysis. If fraud is

suspected, you are alerted immediately.

1 See SECURITY on page 32 in Program Details for important details.

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Travel possibilities.

9 Machu Picchu, Peru

Travel further. Experience more.

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Turn your Merrill Points into travel.

10

Rocky Mountains, Banff National Park, Alberta, Canada

American Airlines, British Airways, Delta Air Lines and United Airlines flights start at just 25,000 Merrill Points.

Flexible Rewards

Travel Possibi l i t ies

Anytime, Anywhere, Any Airline®2

Redeem your points for air travel and enjoy the freedom of choice with no blackout dates or required Saturday-night stays. Plus, you can choose your airline and you’ll still earn frequent flyer miles on your redeemed flight.

n American Airlines, British Airways, Delta Air Lines and United Airlines flights start at just 25,000 Merrill Points, up to $500 in value.

n All other carrier flights start at just 30,000 Merrill Points.

To redeem: Sign in at card.ml.com

Airport Lounge Access1

Redeem 35,000 Merrill Points® for a one-year membership in American Airlines Admirals Club® or Delta Sky Club®.

When you reach Plus Level, you can receive complimentary airport lounge access without redeeming points. See page 13 for details.

To redeem: Call 1.800.419.0000 and say “Shopping”

British Airways AviosReceive 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.

To redeem: Call 1.800.419.0000 and say “Shopping”

Dollars Off Air TravelRedeem 10,000 Merrill Points for $100 off an airline ticket.

To redeem: Call 1.800.419.0000 and say “Travel”

NetJets® Flight TimeRedeem 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”

Delta Private JetsTM Flight TimeRedeem 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 1.800.419.0000 and say “Shopping”

Hotel Stays, Cruises & MoreIt’s simple—redeem for any amount, beginning at just 2,500 Merrill Points.

To redeem for cruises, tours, hotel stays or car rentals: Call 1.800.419.0000 and say “Travel”

To redeem for air travel, hotel stays or car rentals: Sign in at card.ml.com

1 Membership is valid for one year beginning in the month requested or, if you have a current membership, one year will be added to the expiration date. Certain lounges may limit access based on availability. Full terms and conditions for membership are available for review at aa.com/admiralsclub or delta.com/skyclub. 2 See ANYTIME, ANYWHERE, ANY AIRLINE® AIR REWARDS on page 28 in Program Details for important details. Air rewards start at 25,000 Merrill Points and a maximum dollar value of $500 for flights on the following carriers: American Airlines, Delta Air Lines, United Airlines and British Airways. Air Rewards start at 30,000 Merrill Points for all other carriers. Reservation and ticketing require at least a 21-day advance notice. If the advance notice requirement restriction is not met, the ticket will require an additional 5,000 Merrill Points. Certain terms, conditions and exclusions apply. Please visit card.ml.com for further details.

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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 ConsultationA 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

11

1 Any applicable taxes, fees, and other charges, including a fuel variable, may apply and are the responsibility of the Marquis Jet Card Owner. 2 Restrictions and fees apply. 3 Blackout dates and additional restrictions may apply. Benefits apply only to MERRILL+ Visa Signature cardholders. Additional restrictions apply to all offers. See Program Details on pages 28 – 32 for important details or visit card.ml.com. Offers are subject to change without notice. Merrill Lynch reserves the right to amend or discontinue these promotions at any time.

Air Travel Offers

Travel Possibi l i t ies

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Delta Air Lines® 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 One complimentary flight hour on a light cabin aircraft

n Guaranteed simultaneous usage of up to three aircraft (excluding peak days)

n Access to a dedicated Personal Concierge for Delta Air Lines and Delta Private Jets reservations.

To purchase your Delta Private Jets Card: Call 1.866.430.1541

Discounted Flights from New York to LondonFly BusinessElite® from New York (JFK) to London (LHR) with special fixed fares and exclusive discounts.

Up to 15% Off Caribbean and Mexico FlightsFly 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 FranciscoFly BusinessElite® or Economy Class and get up to 15% off your ticket price.

Up to 20% Off Trans-Pacific FlightsFly BusinessElite® or Economy Class and get up to 20% off your ticket price.

To make your reservation: Call 1.800.419.0000 and say “Shopping”

See DELTA AIR LINES on page 30 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 28 – 32 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. 12

Air Travel Offers

Travel Possibi l i t ies

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Airport Lounge Access

13

Complimentary MembershipPlus Level Only

As the primary cardholder, you are eligible to choose from one of three complimentary airport lounge memberships when you reach Plus Level by spending $50,000 or more a year on your MERRILL+ credit card.

Additional restrictions apply to all offers. See Program Details on pages 28 – 32 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.

American Airlines Admirals Club®Complimentary one-year individual membership in American Airlines Admirals Club, granting you and up to two accompanying guests unlimited lounge access. Membership is valid for one year beginning in the month requested or, if you have a current membership, one year will be added to the expiration date. (Full terms and conditions for Admirals Club® membership are available for review at aa.com/admiralsclub.)

Delta Sky Club®Complimentary one-year membership in Delta Sky Club, granting you and your accompanying immediate family, or any two guests, unlimited lounge access. Membership is valid for one year beginning in the month requested or, if you have a current membership, one year will be added to the expiration date. (For complete Delta Sky Club terms, conditions and house rules, please visit delta.com/skyclub.)

LOUNGE CLUB™Complimentary one-year membership in LOUNGE CLUB™ —your key to over 350 airport VIP lounges worldwide. You’ll receive 10 complimentary visits to participating lounges during the membership year, which can be used by you and/or an accompanying guest(s). After the first 10 visits, you simply pay the applicable lounge visit fee, currently $27 per person (per visit), for yourself and any accompanying guest(s) when you visit a participating lounge. (Visit loungeclub.com to view the current list of participating lounges.)

To enroll in one of three options above: Call 1.800.419.0000 and say “Shopping”

Air Travel Offers

Travel Possibi l i t ies

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$40 Off Weekly RentalsSave $40 on weekly rentals of a Hertz Prestige Collection or Hertz Adrenaline Collection vehicle (include PC# 107376 in your reservation).

Up to $25 Off Weekly or Weekend RentalsSave up to $25 on weekly or weekend rentals (include PC# 113761 in your reservation).

Complimentary Two-Car Class UpgradeEnjoy a two-car class upgrade on weekly or weekend rentals (include PC# 107763 in your reservation).

Plus Level offers

Table Mountain National Park, Cape Town, Western Cape, South Africa

Travel Possibi l i t iesHertz®Up to 20% Additional SavingsAs a MERRILL+ credit cardholder, you are eligible to receive up to 20% additional savings on your Hertz rental (include CDP# 1499506 in your reservation).

$50 Off Monthly RentalsSave $50 on monthly rentals (include PC# 162024 in your reservation).

Complimentary One-Car Class UpgradeEnjoy a one-car class upgrade on weekly or weekend rentals (include PC# 150533 in your reservation).

$25 Off Weekly Full-Size or Higher Car Class RentalsSave $25 on weekly airport rentals of a full-size or higher car class (include PC# 113514 in your reservation).

$20 Off All Weekly RentalsSave $20 on weekly rentals at the airport or in your neighborhood (include PC# 107520 in your reservation).

Up to $15 Off Weekend RentalsSave $5 a day, up to $15 off weekend rentals at the airport or in your neighborhood (include PC# 119766 in your reservation).

$10 Off RentalsSave $10 off your minimum of two-day rental (include PC# 117036 in your reservation).

To see more offers or make your reservation: Go to hertz.com/mloffers or call 1.800.654.2200.

14

Additional restrictions apply to all offers. See Program Details on pages 28 – 32 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.

Car Rental Offers

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15Dunnottar Castle, Scotland

Hotel Offers

Travel Possibi l i t ies

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St. Regis

16To 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 28 – 32 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.

Complimentary Amenities and MoreReceive complimentary amenities and upgrades1 when you stay at select St. Regis properties. To view the 21 participating properties, see HOTEL OFFERS on page 31 in the Program Details or visit card.ml.com.

The St. Regis Punta Mita Resort, Mexicon Full breakfast for two daily

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

n Room upgrade1

n Early check-in and late check out1

The St. Regis Deer Valley, Utahn Continental breakfast for two daily

at J&G Grill

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

n Customized welcome amenity

n Room upgrade, early check-in and late check out1

The St. Regis Bahia Beach Resort, Puerto Ricon Full breakfast for two daily at

Fern restaurant

n $100 resort credit (per room, per stay)

n Room upgrade1

n Early check-in and late check out1

To make your reservation: Call 1.800.419.0000 and say “Travel” (mention “Hotel Amenity Offers”)

The St. Regis Bahia Beach Resort

Travel Possibi l i t ies

Hotel OffersDouble Merrill Points

Every time you use your MERRILL+ credit card to book a hotel through your card’s Online Travel Reservations Service or a Merrill Lynch Travel Advisor, you’ll earn Double Merrill Points.

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Westin® Hotels & Resorts and W Hotels Worldwide

To take advantage of the Westin Hotels and W Hotels Worldwide 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 28 – 32 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.

Complimentary Amenities and MoreReceive complimentary amenities and upgrades1 when you stay at select Westin and W properties. To view the 31 participating properties, see HOTEL OFFERS on pages 31 in the Program Details or visit card.ml.com.

The Westin Resort & Spa, Los Cabosn Buffet breakfast for two daily at La Cascada Restaurant

n $100 spa credit (per room, per stay)

n Room upgrade1 and late check out1

The Westin Excelsior Romen Full breakfast for two daily at Doney Restaurant

(also available with room service)

n One lunch for two (per room, excludes alcoholic beverages)

n Room upgrade1

n Early check-in and late check out1

W Scottsdale Hotel & Residencesn Full breakfast for two daily (up to $40 per room, per day)

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

n Room upgrade1 and late check out1

To make your reservation: Call 1.800.419.0000 and say “Travel” (mention “Hotel Amenity Offers”)

The Westin Resort & Spa, Los Cabos

Hotel Offers

Travel Possibi l i t ies

Double Merrill Points

Every time you use your MERRILL+ credit card to book a hotel through your card’s Online Travel Reservations Service or a Merrill Lynch Travel Advisor, you’ll earn Double Merrill Points.

17

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Westin® Hotels & Resorts and W Hotels Worldwide

Hyatt® Sofitel Luxury Hotels

18

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 is required and beverages are excluded. Additional restrictions apply to all offers. See Program Details on pages 28 – 32 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.

Complimentary Amenities and MoreReceive complimentary amenities and upgrades1 when you stay at select Grand Hyatt, Hyatt Regency and Park Hyatt properties. To view the 40 participating properties, see HOTEL OFFERS on page 31 in the Program Details or visit card.ml.com.

Hyatt Regency Huntington Beach Resort & Spa, Californian Full breakfast for two daily

n $75 resort credit (per room, per stay)

n Room upgrade1

n Early check-in and late check out1

Complimentary Amenities and MoreReceive complimentary amenities and upgrades1 when you stay at select Sofitel properties. To view the 15 participating properties, see HOTEL OFFERS on page 31 in the Program Details or visit card.ml.com.

Sofitel Paris Le Faubourgn Full breakfast for two daily at

Les Collections

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

n In-room welcome amenity

n Room upgrade1

n Early check-in and late check out1To make your reservation: Call 1.800.419.0000

and say “Travel” (mention “Hotel Amenity Offers”)

To make your reservation: Call 1.800.419.0000 and say “Travel” (mention “Hotel Amenity Offers”)

Hyatt Regency Huntington Beach Resort & Spa

Sofitel Paris Le Fanbourg

Travel Possibi l i t ies

Hotel Offers

Double Merrill Points

Every time you use your MERRILL+ credit card to book a hotel through your card’s Online Travel Reservations Service or a Merrill Lynch Travel Advisor, you’ll earn Double Merrill Points.

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Double Merrill Points

Every time you use your MERRILL+ credit card to book a cruise with a Merrill Lynch Travel Advisor, you’ll earn Double Merrill Points.

Avalon Waterways®

19

To take advantage of Avalon Waterways and other cruiseline 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 28 – 32 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.

$100 Additional Savings on Any Avalon Waterways

10-Day Windmills, Vineyards & Paris Wine River CruiseSailing 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 learnabout additional cruise offers: Call 1.800.419.0000 and say “Travel”

Avalon Waterways, Panorama Suite

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 1.800.419.0000 and say “Travel”

Cruise Offers

Travel Possibi l i t ies

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Crystal® Cruises Regent Seven Seas Cruises®

20To 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 28 – 32 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.

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.

$100 Additional Savings on Any Crystal Cruises Sailing

9-Day Ancient Treasures Cruise

Sailing October 17, 2013 from Istanbul to

Venice on Crystal Serenity

From $3,410 per person

n $100 additional savings (per person)

n Complimentary private car and driver tour

$200 Onboard Credit on Any Regent Seven Seas Cruises Sailing

Any 12-Night Cosmopolitan Classics Cruise

Sailing December 08, 2013 from

Rio de Janeiro to Buenos Aires

on Seven Seas Mariner

From $5,449 per person

n $200 onboard credit (per stateroom)

n $200 additional onboard credit (per stateroom)

To make your reservation or learn about additional cruise offers: Call 1.800.419.0000 and say “Travel”

Crystal Serenity, Venice

Seven Seas Mariner at Sea

Double Merrill Points

Every time you use your MERRILL+ credit card to book a cruise with a Merrill Lynch Travel Advisor, you’ll earn Double Merrill Points.

Travel Possibi l i t ies

Cruise Offers

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Abercrombie & Kent $250 Additional Savings (per person) on Any Abercrombie & Kent Luxury Small Group Journey

8-Day Kenya Wildlife Safari TourDiscover year-round denizens of 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)

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

14-Day Classic Italy TourIncludes 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)

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

4-Day Washington, D.C. GetawaySet 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)

21To 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 28 – 32 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.

To make your reservation or learn about additional tour offers : Call 1.800.419.0000 and say “Travel”

Kenya, Africa St. Peter’s Basilica, Rome, Italy The White House, Washington, DCTour Offers

Travel Possibi l i t ies

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Travel Benefits

22Mykonos, Greece

Travel Possibi l i t ies

Travel Benefits

No Foreign Transaction FeeWhether you’re abroad or simply shopping with a merchant located outside the United States, you’ll save on international purchases with no foreign transaction fee.1

Smart Chip TechnologyShop confidently and easily with your card anywhere in the world where Visa is accepted, thanks to your MERRILL+ credit card’s smart chip technology.

Trip AssuranceEase the hassles of unexpected delays and cancellations with Trip Cancellation, Trip Interruption and Trip Delay benefits (up to $2,500 per covered trip).

Emergency Evacuation InsuranceKnow you are protected with Emergency Evacuation Insurance. Whether it’s a medical evacuation or another emergency, you are covered up to $100,000.1

Travel and Emergency AssistanceYou, your spouse and children (dependents under 22 years old), can take advantage of a wide range of emergency services 24 hours a day, 7 days a week.1

Auto Rental Collision Damage WaiverYou are covered for damage due to collision or theft up to the actual cash value of most rental cars when certain terms and conditions are met. Coverage is provided to the cardholder and other authorized drivers permitted by the rental contract.1

Lost Luggage ReimbursementReceive reimbursement for loss of or damage to your checked and/or carry-on baggage when you pay for your Common Carrier passenger fare with your MERRILL+ credit card.1

Common Carrier Travel Accident InsuranceYou’re automatically covered for up to $1 million in accidental death or dismemberment insurance when you use your MERRILL+® credit card to purchase air travel.1

1 See TRAVEL BENEFITS on page 32 in Program Details for important details.

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Shopping possibilities.

23

Find something for you or someone you love.

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Blue Nile 10% Off & Free ShippingThe 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 ItemsFrom 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® Luggage Delivery SavingsLuggage 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.

n All cardholders receive up to 15% off

n Plus Level cardholders receive up to 20% off

Call 1.800.419.0000 and say “Shopping” to obtain your promotion code

24Additional restrictions apply to all offers. See Program Details on pages 28 – 32 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.

Shopping Possibi l i t ies

Retail Offers

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25 Certain terms, conditions and exclusions may apply. See Program Details on pages 28 – 32 for important details or visit card.ml.com.

Pottery Barn® Barnes & Noble

To redeem or view more gift cards: Sign in at card.ml.com

Tiffany & Co. Neiman Marcus® Saks Fifth Avenue Nordstrom

Gift Card Rewards

Shopping Possibi l i t ies

Dillard’sBloomingdale’s

Gift card rewards start at just 2,500 Merrill Points.

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26Certain terms, conditions and exclusions may apply. See Program Details on pages 28 – 32 for important details or visit card.ml.com.

Amazon.com

iTunes®

Darden® Restaurants, Inc. Marriott® International, Inc.

Walmart®

Bed Bath & Beyond®

The Ritz-Carlton®

Best Buy®

Macy’s

Starbucks BP

The Home Depot®

Lowe’s®

Shell

To redeem or view more gift cards: Sign in at card.ml.com

Shopping Possibi l i t ies

Gift Card Rewards

Panera Bread®

Whole Foods Market

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Retail Protection

Endless possibilities await you as you explore the world with your MERRILL+®

Visa Signature® credit card. With premium benefits, rewards and service—and

no annual fee, your card provides extraordinary value with every purchase.27

Retail Protection

Shopping Possibi l i t ies

Purchase SecurityWithin 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+ credit card in the event of theft or damage.1

Warranty ManagerDouble the free repair period under the original manufacturer’s written U.S. repair warranty when you use your MERRILL+ credit card.1

1 See RETAIL PROTECTION on page 32 in Program Details for important details.

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Program Details

28

ALL OFFERS MUST BE CHARGED IN FULL TO YOUR MERRILL+® VISA SIGNATURE® CREDIT CARD. SEE BELOW FOR DETAILS. Offers, rewards & benefits referenced in this guide are available to holders of the MERRILL+® Visa Signature® credit 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+ Visa Signature credit card (“Qualifying Card”). EARNING AND REDEEMING MERRILL POINTS—HIGHLIGHTSEarn 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, purchases made by or for a business or for a business purpose, fees, interest charges, unauthorized/fraudulent transactions and certain other charges do not earn points. Additional terms apply. Program terms may change. Please refer to your full Program Rules that you received with your new account materials or view online at card.ml.com. 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 REWARDSCardholders may redeem Merrill Points® for 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 the Merrill Lynch Travel Advisor at 1.800.419.0000, who locates the lowest published fares available when booking Air Rewards or by signing in at card.ml.com to book your travel online. Charter flights, consolidator fares, packaged fares, contract fares and Internet pricing may not be 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., 2,500 Merrill Points must be redeemed for additional costs of up to $25 of ticket value. Additional payments may be made only in increments of 2,500 Merrill Points. 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. There are two levels of Air Rewards based on the airline carrier you choose (1) American Airlines, British Airways, Delta Air Lines and United Airlines Air Rewards starting at 25,000 Merrill Points and (2) All other carriers’ Air Rewards starting at 30,000 Merrill Points. Air Rewards for American Airlines, British Airways, Delta Air Lines and United Airlines consists of a non-refundable, roundtrip ticket on an eligible carrier, as determined by Merrill Lynch. The number of Merrill Points and corresponding MDV required for the Air Reward is 25,000/$500. The number of Merrill Points and corresponding MDV required for all other carriers is 30,000/$500. Reservation and ticketing requires at least a 21-day advance notice. If this restriction is not met, the ticket will require an additional 5,000 Merrill Points. Air Reward Point Redemption Levels (for tickets up to $500 in value) – Airline Flights starting at 25,000 Merrill Points for American Airlines, British Airways, Delta Air Lines and United Airlines and 30,000 Merrill Points for all other airlines. MDV includes all taxes, destination fees and the September 11th security fee. Merrill Lynch and the issuer 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, excess 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 airline-associated fees must be billed to the Cardholder’s Qualifying 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 the Qualifying 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 the Qualifying 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 any other coupons, vendor certificates or special offers unless otherwise stated herein.BRITISH AIRWAYS AVIOSRedeem 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 REWARDSRedeem Merrill Points® for a variety of Cash Rewards either at the Site or by telephoning us. 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 Cash Management Account – You may redeem Points for contributions to a Merrill Lynch Cash Management Account® (CMA) including Working Capital Management Accounts (WCMA®). To complete the redemption, you will be asked to provide your CMA Account number and your authorization to send the Cash Reward electronically. Once processed, the contribution will be deposited into your CMA Account within fourteen (14) business days of the request. Cash Rewards are considered fully redeemed once a deposit has been made to your CMA Account. 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 Jets 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

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Program Details

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 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 RateDomestic International

Light Jet 300,000 375,000 Midsize Jet 400,000 475,000 Super-Midsize Jet 500,000 575,000 Large Jet 600,000 675,000

Redemption of Merrill Points entitles a Qualifying Merrill Lynch Cardholder to one hour of flight time on a DPJ aircraft in accordance with table above. Flight time calculations will include an addition of 12 minutes per flight segment to account for 6 minutes of taxi time for takeoff and landing. Redemption Process: 1) Qualifying Merrill Lynch Cardholders are required to call the Rewards & Benefits Center’s toll-free number, 1.800.419.0000, to arrange for Merrill Points redemptions, after which the Cardholder will be transferred to a DPJ Sales Executive to complete booking arrangements. 2) Merrill Lynch will be responsible solely for making Merrill Points redemptions—any booking related matters, such as flight itinerary, must be addressed with DPJ. 3) Upon redemption of Merrill Points, Cardholders will be required to execute the DPJ Program Agreements. At that time, if the Cardholder needs additional time to accommodate his/her chosen flight itinerary, he/she will be permitted to acquire additional time, provided by DPJ in accordance with above, at the published hourly rate. The requirements listed apply equally to all Cardholders, including Cardholders already owning a DPJ product. The Cardholder will be required to provide DPJ with their Qualifying Merrill Lynch Card information to put on file in case of additional costs incurred with their flight redemption. Cardholders acknowledge and agree that such additional costs incurred by them will be charged to such Qualifying Merrill Lynch Card. The Cardholder will incur all additional costs resulting from their flights, including but not limited to the following: i) In-flight delays. ii) for flights originating or terminating outside the continental U.S., there may be fees for foreign permits, special permits airspace fees, overflight, immigration, customs, communications, government assessments, and ferrying the aircraft. iii) Catering. (Standard stock is complimentary; anything special can be accommodated but will have a charge.) iv) Damage to the aircraft and (v) any cardholder or passenger initiated change in trip itinerary. Usage of the hours acquired as part of the flight redemption may not be available on days which DPJ designates as Peak Days. For a list of currently identified Peak Days, please contact your DPJ Sales Executive. All dates are subject to change. Merrill Lynch assumes no responsibility for Merrill Points converted from the Beyond Rewards® program to flight hours with DPJ, or for the actions or omissions of DPJ, or any award provider in connection with DPJ or otherwise. Merrill Points redeemed to DPJ may not be returned or refunded once redeemed.

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 1.800.419.0000. 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 CARDSThe 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. 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 co-sponsor 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 Williams-Sonoma Inc. Pottery Barn is not affiliated with Merrill Lynch and/or Bank of America, nor is a sponsor of this promotion. 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 co-sponsors 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

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Program Details

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 REWARDSRedeem 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/HOURHawker 400XP 336,000Citation Encore+/Encore 403,000Citation XLS/Excel 467,000Hawker 900XP/800XP 537,000Citation Sovereign 610,000Citation X 610,000Gulfstream G200 731,000Falcon 2000EX/2000 841,000Gulfstream G450/G400/GIV-SP

978,000

Redemption of Merrill Points entitles a Qualifying Merrill Lynch Cardholder to one hour of flight time on a NetJets aircraft in accordance with table above. Flight time calculations will include an addition of 12 minutes per flight segment to account for 6 minutes of taxi time for takeoff and landing. All flight hours are subject to a fuel surcharge per hour, which is the responsibility of the Cardholder and must be paid directly to NetJets using a Qualifying Merrill Lynch Card. For information on the current amount of the fuel surcharge, please contact your NetJets Sales Executive. Redemption Process: 1) Qualifying Merrill Lynch Cardholders are required to call the Rewards & Benefits Center’s toll-free number, 1.800.419.0000, to arrange for Merrill Points redemptions, after which the Cardholder will be transferred to a NetJets Sales Executive to complete booking 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.AIRPORT LOUNGE ACCESS The primary cardholder is eligible to choose from one of three complimentary airport lounge memberships after spending $50,000 or more on their card and reaching Plus Level.LOUNGE CLUBTM Airport Lounge Membership (Plus Level) – The LOUNGE CLUBTM Plus Level benefit offers ten (10) free lounge visits as part of a cardholder’s complimentary membership. Such visits may apply to cardholders and/or accompanying guest(s). Following the first ten (10) visits, cardholders pay any lounge fees for themselves and their guest(s) at the applicable lounge visit fee. The current lounge visit fee is $27 per person per visit. The invitation of a guest(s) reduces the number of remaining complimentary visits. For example, a cardholder accompanied by two (2) guests is counted as three (3) visits. Participating lounges are updated regularly. Members are urged to check loungeclub.com prior to all travel to locate participating lounges. MERRILL+ Card number/expiration date information must be provided at time of enrollment and any paid visits will be charged to that account. It is the cardholder’s responsibility to update the MERRILL+ Card number and/or expiration date information either online at loungeclub.com or by calling LOUNGE CLUBTM directly. Each membership may take four (4) to six (6) weeks to process. At the time of enrollment, cardholders must authorize LOUNGE CLUBTM to charge the visit fees in excess of the ten (10) free visits to their MERRILL+ Card and to abide by the Terms and Conditions found below, in the lounge listing and on the LOUNGE CLUBTM website loungeclub.com. Cardholders will be liable for any disputed charges and chargeback fees, supported by a record of visit from LOUNGE CLUB™. Cardholders

must present their LOUNGE CLUBTM membership card in order to access any and all participating airport lounges. No other card or form of identification is accepted. Use of your LOUNGE CLUBTM membership indicates that you agree to abide by the membership terms and conditions that can be viewed at loungeclub.com.American Airlines Admirals Club® Airport Lounge Membership (Plus Level) – Individual 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 and receive your membership card. Use is subject to all Admirals Club® membership terms and conditions. Full terms and conditions for Admirals Club® membership are available for review at aa.com/admiralsclub. Plus Level benefit offer valid through December 31, 2013. Cardholders meeting the eligibility requirements will have until March 31, 2014 to sign up. You must be at least 18 years of age or older for Club membership. Memberships in the Admirals Club® program are non-transferable, non-refundable and void if sold for cash or other consideration. Membership void where prohibited by applicable law. If cardholder loses her/his membership card for the Admirals Club®, the replacement fee is twenty-five dollars ($25.00). Admirals Club locations, products and services are subject to change without notice. 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. Full the complete Delta Sky Club terms, conditions and house rules, please visit delta.com/skyclub. Offer valid through December 31, 2013, but cardholders should call no later than March 31, 2014 to sign up. Delta Sky Club membership is non-transferable and non-refundable. You 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. Redeem Merrill Points for Airport Lounge Access – Memberships are subject to the terms and conditions of the respective carrier. Only one Plus Level membership allowed per MERRILL+ account per qualification year. If a cardholder redeems points for a lounge membership, points will not be refunded in the event the account holder later achieves Plus Level status. CAR RENTAL OFFERSHertz® – Offers are valid for vehicle pick-up on or before December 31, 2013. Advance reservations required. Promotion Code (PC) must be provided at time of reservation or offer is void. Modifying your reservation may

result in a change in your rate and/or invalidate this offer. Minimum rental age for Hertz Prestige Collection and Hertz Adrenaline Collection is 25. Subject to availability, offers are redeemable at select Hertz locations in the U.S. Not all vehicles, vehicle equipment and services are available at all locations. For the Upgrade offers, these offers are subject to upgrade vehicle availability at time and place of rental. Highest obtainable upgrade is to a Premium class vehicle. Brand and model are not guaranteed. Offer not valid on Porsche, and Mercedes Benz AMG Vehicles. This offer has no cash value, may not be used with Pre-Pay Rates, Tour Rates or Insurance Replacement Rates and cannot be combined with each other or with any other certificate, voucher, offer or promotion. Hertz age, driver, credit and qualifying weekly/weekend rate restrictions for the renting location apply. Taxes, tax reimbursement, age differential charges, fees and optional service charges, such as refueling, are not included. Discounts apply to time and mileage charges only. Discounts in local currency on redemption. CRUISE OFFERSCruise 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 with a Merrill Lynch Travel Advisor, paid in full using your MERRILL+ card or a combination of your points and MERRILL+ 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.

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Program Details

DELTA AIR LINESThis 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 1.800.419.0000 and cannot be booked online. 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/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 OFFERSOffers 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. 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 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. 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+ card or a combination of your points and MERRILL+ 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 PROGRAMThe 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 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

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Program Details

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 OFFERSBlue 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. TOURSPricing 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.PLUS LEVEL BENEFITSPlus Level benefits are applicable for MERRILL+ credit cards only and do not apply to any other Merrill Lynch Card. Plus Levels are based on the closing date of your last billing cycle within a calendar year. Please visit card.ml.com for additional restrictions that apply to all offers. Offers are subject to change without notice. Merrill Lynch reserves the right to amend or discontinue them at any time. MERRILL LYNCH CONCIERGE To access the Merrill Lynch Concierge Service, call 1.800.419.0000 and say “Concierge”. 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 PROTECTIONCertain terms, conditions and exclusions apply to the services listed. For a complete listing of MERRILL+ benefits, log on to card.ml.com. 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 1.800.678.0768.SECURITY$0 Liabilty Guarantee – The $0 Liability Guarantee covers fraudulent purchases and payments made by others using your account. To be covered, don’t 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.TRAVEL BENEFITSCertain terms, conditions and exclusions apply to the services listed. Please visit the Security tab at card.ml.com for further details. Emergency Evacuation Insurance – Certain terms, conditions and exclusions apply to the services listed. Please visit the Security tab at card.ml.com for further details. Lost Luggage Reimbursement – Certain terms, conditions and exclusions apply to the services listed. For a complete listing of MERRILL+ benefits, log on to card.ml.com. No Foreign Transaction Fee – Please refer to your Credit Card Agreement for more information on your account terms.Travel and Emergency Assistance – You must charge the trip to your MERRILL+ card to be eligible for this benefit. 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. Additional restrictions apply. Trip Assurance (Trip Cancellation, Trip Interruption and Trip Delay) – Certain terms, conditions and exclusions apply to the services listed. For a complete listing of MERRILL+ credit card 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+ Visa Signature Credit Card is issued and administered by FIA Card Services, N.A. Anytime, Anywhere, Any Airline; Bank of America, Beyond Rewards, Merrill Lynch Cash Management Account, Cash Management Account, CMA, Working Capital Management Account, WCMA, MERRILL+, Merrill Lynch Wealth Management, the Bull Symbol, Merrill Lynch, and Merrill Points 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. 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.

© 2013 Bank of America Corporation. All rights reserved.

AR3B664C 470072PM-0313

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Visa Signature Benefits 1.800.397.9010

For security and protection features

Auto Rental Collision Damage Waiver 1.800.397.9010

Common Carrier Travel Accident Insurance

Emergency Evacuation Insurance

Lost Luggage Reimbursement

Purchase Security

Travel and Emergency Assistance

Trip Assurance

Warranty Manager

1.800.678.0768

33

International: (+1.614.823.5161)

Page 35: Endless ossibilities await you. - Merrill Lynch ossibilities await you. ... Who couldn’t use the assistance of a personal concierge ... airline and you’ll still earn frequent flyer

FPO

Page 36: Endless ossibilities await you. - Merrill Lynch ossibilities await you. ... Who couldn’t use the assistance of a personal concierge ... airline and you’ll still earn frequent flyer

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