If the credit card account is closed in connection with a death or incapacity of the card account owner, rewards eligible for redemption may be redeemed if an authorized representative of the estate requests rewards redemption. The following redemption provisions will only apply if Bank of America administers the rewards program and do not apply to jointly held accounts where there is at least one surviving owner of an account. To redeem rewards on a credit card rewards program administered by Bank of America: The authorized representative of the estate, as determined by us, must request rewards redemption. If the account is not paid in full at the time of the request, the authorized representative of the estate must indicate the remaining account balance will be paid in full, and redemption will not occur until such payment is made. Redemption and payment of any remaining account balance must occur within 57 days of account closure. Rewards will be redeemed in the name of the deceased primary cardholder. If mailed, rewards will be sent to the address we have on file for the deceased primary cardholder. Redemption eligibility depends on the final status of the account(s), is subject to the account being paid in full and is in our sole discretion. If there is any outstanding balance on the account(s), please be advised that we are not attempting to collect this debt from the authorized estate representative individually; instead, we are seeking payment from the assets of the decedent’s estate.