b'Example of Credit Card Agreement for\nBank of America\xc2\xae Platinum Mastercard\xc2\xae\nand Visa\xc2\xae accounts, World Mastercard\xc2\xae\naccounts and Visa Signature\xc2\xae accounts\n\nThis information is accurate as of June 30, 2021.\n\nThis credit card program is issued and administered by Bank of America, N.A. Mastercard and World\nMastercard are registered trademarks of Mastercard International Incorporated, and are used by the\nissuer pursuant to license. Visa and Visa Signature are registered trademarks of Visa International Service\nAssociation, and are used by the issuer pursuant to license from Visa U.S.A. Inc. Bank of America is a\nregistered trademark of Bank of America Corporation.\n\n1\n\n\x0cPRICING INFORMATION\nActual pricing will vary from one cardholder to another\nAnnual Percentage Rates for Purchases\nThese APRs will vary with the\nmarket based on the Prime Rate (as\nof 06/30/2021)\n\nPrime + 6.74% to Prime + 20.74%\n\n(APR) 9.99% to 23.99%\n(DPR) 0.027369% to 0.065726%\n\nAnnual Percentage Rates for Balance\nTransfers\nThese APRs will vary with the\nmarket based on the Prime Rate (as\nof 06/30/2021)\n\nPrime + 6.74% to Prime + 20.74%\n(APR) 9.99% to 23.99%\n(DPR) 0.027369% to 0.065726%\n\nAnnual Percentage Rates for Direct\nDeposit and Check Cash Advances\nThese APRs will vary with the\nmarket based on the Prime Rate (as\nof 06/30/2021)\n\nPrime + 9.74% to Prime + 23.74%\n(APR) 12.99% to 26.99%\n(DPR) 0.035589% to 0.073945%\n\nAnnual Percentage Rates for Bank Cash\nAdvances\nThese APRs will vary with the\nmarket based on the Prime Rate (as\nof 06/30/2021)\nPenalty APR and When it Applies\n\nPrime + 23.99% to Prime + 25.74%\n(APR) 27.24% to 28.99%\n(DPR) 0.074630% to 0.079424%\nNone or Up to 29.99%, based on your creditworthiness. This APR will vary\nwith the market based on the Prime Rate.\nThis APR may be applied to new transactions on your account if you:\n\xe2\x80\xa2 Make a late payment.\n\nMinimum Interest Charge\n\nHow Long Will the Penalty APR apply?:\nIf your APR is increased for this reason, the Penalty APR will apply\nindefinitely.\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nIf you are charged interest, then the charge will be no less than $1.50.\n\nAccount Fees\nAnnual\n\n$0 to $95\n\nPaying Interest\n\nTransaction Fees\nBalance Transfer % of Transaction\n\n0% to 3%\n\nATM Cash Advance % of\nTransaction\n\n5% (min: $10 to max: uncapped)\n\nCash Equivalent % of Transaction\n\n5% (min: $10 to max: uncapped)\n\nCheck Cash Advance % of\nTransaction\n\n0% to 3%\n\n1\n\n\x0cDirect Deposit % of Transaction\n\n0% to 3%\n\nOverdraft Protection Fee\n\nFor transfers to a linked Bank of America deposit account opened in GA, IL,\nKY, MI or TN:\nPrior to June 18, 2021: $12 for each transaction billed to your credit\ncard account\nEffective June 18, 2021: no fee will be assessed to your credit card\naccount*\nFor transfers to a linked Bank of America deposit account opened in all\nother locations:\nPrior to August 20, 2021: $12 for each transaction billed to your\ncredit card account\nEffective August 20, 2021: no fee will be assessed to your credit\ncard account*\n\nOver the Counter Cash Advance\n% of Transaction\n\n5% (min: $10 to max: uncapped)\n\nSame-Day Online Cash Advance %\nof Transaction\n\n5% (min: $10 to max: uncapped)\n\nForeign Transaction % of\nTransaction\n\n0% to 3%\n\nWire Transfer % of Transaction\n\n5% (min: $10 to max: uncapped)\n\nPenalty Fees\nLate Payment Fee\n\nUp to $40\n\nReturned Payment Fee\n\nUp to $29\n\n*Your linked deposit account may be subject to a $12.00 fee for each transaction according to your deposit account agreement.\nHow We Will Calculate Your Balance: For Purchase balances, we will use a method called \xe2\x80\x9caverage daily balance (including\nnew Purchases).\xe2\x80\x9d See the section titled Balances Subject to Interest Rate in your Credit Card Agreement for more details.\nFor Balance Transfer and Cash Advance balances, we will use an Average Balance Method (including new Balance Transfers and\nCash Advances): This balance is figured by adding the outstanding balance (including new Balance Transfers and Cash\nAdvances and deducting payments and credits) for each day in the current billing cycle, together with the balances for each day\nin the previous billing cycle for balance transfers and cash advances with transaction dates in the previous cycle and posting\ndates in the current cycle, and then dividing by the number of days in the current billing cycle.\nMilitary Lending Act Disclosure: The following disclosure applies to persons covered by the Military Lending Act \xe2\x80\x93 other\ngovernmental programs and laws may also govern or apply to this transaction but are not described in the following disclosure.\nThe following disclosure is required by the Military Lending Act.\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of\nconsumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not\nexceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the\ncosts associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified credit transactions or accounts); and any participation\nfee charged (other than certain participation fees for a credit card account).\nPlease refer to the Total Minimum Payment Due section of the Credit Card Agreement accompanying this disclosure to see how\nyour monthly minimum payment is calculated.\nPlease call our dedicated Military Lending Act toll free number at 844.441.9168 or call collect at 302.318.8745 with any\nquestions or concerns.\n\n2\n\n\x0cCREDIT CARD AGREEMENT\nYOUR CONTRACT WITH US\n\nPurchase means the use of your card or account number (including\nthrough the use of an enabled mobile device) to:\n1. buy or lease goods or services;\n2. buy wire transfers from a non-financial institution\n(Wire Transfer Purchase);\n3. make a transaction that is not otherwise a Cash\nAdvance.\n\nThis document, and any future changes to it, is your contract with\nus. We will refer to this document as your "Agreement" or "Credit\nCard Agreement"; these terms also include any changes we may\nmake to this document from time to time.\nWe reserve the right to amend this Agreement at any time, by\nadding, deleting, or changing provisions of this Agreement. All\namendments will comply with the applicable notice requirements of\nfederal and North Carolina law that are in effect at that time.\n\nPurchases include Account Fees, as well as Transaction Fees and\nadjustments associated with any Purchase.\n\nIf an amendment gives you the opportunity to reject the change,\nand if you reject the change in the manner provided in such\namendment, we may terminate your right to receive credit and may\nask you to return all credit devices as a condition of your rejection.\nWe may replace your card with another card at any time.\n\nBalance Transfer means a transfer of funds to another creditor\ninitiated by us at your request. A Balance Transfer does not include\na transaction that is otherwise a Cash Advance. Balance Transfers\ninclude Transaction Fees and adjustments associated with any\nBalance Transfer.\n\nThe reasons we may amend this Agreement include the\nfollowing:\n\nA Cash Advance means the use of your account for a loan in the\nfollowing ways:\n1. Direct Deposit: by a transfer of funds via an ACH\n(Automated Clearing House) transaction to a deposit\naccount initiated by us at your request. A Direct\nDeposit does not include an Overdraft Protection Cash\nAdvance or a Same-Day Online Cash Advance.\n2. Check Cash Advance: by an access check you sign as\ndrawer.\n3. Bank Cash Advance: by loans accessed in the\nfollowing manner:\na. ATM Cash Advance: at an automated teller\nmachine;\nb. Over the Counter (\xe2\x80\x9cOTC\xe2\x80\x9d) Cash Advance: at\nany financial institution (e.g., to obtain cash,\nmoney orders, wire transfers, or travelers checks);\nc. Same-Day Online Cash Advance: by a same\nday online funds transfer to a deposit account;\nd. Overdraft Protection Cash Advance: by a\ntransfer of funds to a deposit account pursuant to\nan overdraft protection program (see the section\ntitled Overdraft Protection below);\ne. Cash Equivalents: by the purchase of foreign\ncurrency, money orders, travelers checks, or to\nobtain cash, each from a non-financial institution,\nor person-to-person money transfers, bets,\nlottery tickets purchased outside the United\nStates, casino gaming chips, cryptocurrency, or\nbail bonds, with your card or account number\n(including through the use of an enabled mobile\ndevice).\n\n\xe2\x80\xa2 Changes in regulation or legislation, or a change in the\ninterpretation of a regulation or legislation.\n\xe2\x80\xa2 Changes related to your individual credit history, such\nas: your risk profile, your payment or transaction\npatterns, balance patterns, the utilization levels of this\nand other accounts, credit bureau information including\nthe age, history and type of other accounts, and the\nmeasure of risk associated with each.\n\xe2\x80\xa2 Changes to overall economic and market trends,\nproduct design, and business needs.\n"We", "us", "our" means Bank of America, N.A.\n"You" and "your" mean each and all of the persons who are granted,\naccept or use the account and any person who has guaranteed\npayment of the account.\nYou may use your account for personal, family, or household\npurposes. You may not use your account for business or commercial\npurposes.\nOur failure or delay in exercising any of our rights under this\nAgreement does not mean that we are unable to exercise those\nrights later.\n\nTYPES OF TRANSACTIONS\nYou may obtain credit in the form of Purchases, Balance\nTransfers, and Cash Advances, by using cards, access checks, an\naccount number, or other credit devices. Balance Transfers and\ncertain Cash Advances, such as Direct Deposits, are made available\nto you at our discretion. Cards are all the credit cards we issue to\nyou and to any other person with authorization for use on this\naccount pursuant to this Agreement. Sign your card before using it.\nA Personal Identification Number (PIN) is associated with your\ncredit card as of the opening of your account. You may be required\nto use a PIN to make an ATM Cash Advance or to complete\nPurchases at certain merchant terminals, generally overseas. You\ncan obtain your PIN by going to our online banking site or our\nmobile application, or contacting us. An access check is a check we\nprovide to you to obtain credit on this account. All access checks\ninclude an expiration date printed at the top. We will honor access\nchecks received for payment before the expiration date printed on\nthe check, provided your account is open and in good standing, with\navailable credit. Access checks without a printed expiration date will\nnot be honored.\n\nCash Advances include Transaction Fees and adjustments\nassociated with any Cash Advance.\nAll Bank Cash Advances are subject to the Cash Credit Line. For\nmore information on credit lines, please refer to the section titled\nYour Credit Lines within this Agreement.\nYou agree that we may rely on information provided by merchants\nand your applicable payment network to categorize transactions\namong Purchases, Balance Transfers, or various types of Cash\nAdvances.\nYOUR CREDIT CARD ACCOUNT AND YOUR MOBILE PHONE\nOR OTHER MOBILE DEVICES\nSmart phones, some tablets or other mobile devices (a \xe2\x80\x9cmobile\ndevice\xe2\x80\x9d) can download, store, and/or access account information,\n\n1\n\n\x0cfor instance through a mobile wallet, that may enable you to use\nthe mobile device to purchase goods or services, make a balance\ntransfer, or make a cash advance.\n\nnot subject to an Introductory or a Promotional Rate.\n[see the Pricing Information table for current rates]\nRATES FOR PROTECTED BALANCES\nWhen an interest rate change for new transactions is applied to\nyour account, any existing balances of that type will be identified as\nProtected Balances on your statement. These Protected Balances\ngenerally are kept at their current APR until the balances are paid in\nfull.\n\nIn certain instances, those transactions will replicate using your\ncard to make a transaction on the internet with your computer. In\nother instances, the phone or mobile device will act as if it were a\ncredit card itself. Applications that enable your mobile device will\nhave unique terms governing those applications. Read them\ncarefully. Transactions made through those applications are\ngoverned by this Agreement.\n\nPENALTY APR AND WHEN IT APPLIES\n(If your account is subject to Penalty APR)\nThe Penalty APR is the APR(s) which may be applied to new\nPurchases, Balance Transfers, and Cash Advances, for certain\ndefault occurrences as described below.\n\nWhen your credit card account information is accessible by your\nmobile device, it is important that you treat your mobile device with\nthe same care you would your credit card. For example, you should\nsecure your mobile device against unauthorized access. Keep in\nmind, if you give someone your phone, or other mobile device, that\ncan be the same as giving that person your credit card.\n\nWe may increase the APRs on new transactions up to the Penalty\nAPR, based on your creditworthiness, each time a Total Minimum\nPayment Due is not received by its applicable Payment Due Date.\nWe may elect to set your APRs for Purchases, Balance Transfers,\nDirect Deposit and Check Cash Advances, and Bank Cash Advances\nto different Penalty APRs. We will provide you with a minimum of\n45 days advance notice. An increased Penalty APR will remain in\neffect indefinitely.\n\nFOREIGN TRANSACTIONS\nA \xe2\x80\x9cForeign Transaction\xe2\x80\x9d is any transaction (1) made in a foreign\ncurrency, or (2) made in U.S. dollars if the transaction is made or\nprocessed outside of the United States. Foreign Transactions\ninclude, for example, online transactions made in the U.S. but with a\nmerchant who processes the transaction in a foreign country. If you\nmake a Foreign Transaction, we will assess the Foreign Transaction\nFee [see the Pricing Information table for fee amount]. If a\ntransaction is made in a foreign currency, the transaction will be\nconverted by Visa International or Mastercard International,\ndepending on which card is associated with this account, into a U.S.\ndollar amount in accordance with the operating regulations or\nconversion procedures in effect at the time the transaction is\nprocessed. The currency conversion rate used by Visa is either (a) a\nrate selected by Visa from the range of rates available in wholesale\ncurrency markets for the applicable processing date, which rate\nmay vary from the rate Visa receives; or (b) the rate mandated by a\ngovernment or governing body in effect for the applicable\nprocessing date. The currency conversion rate for Mastercard is\nbased on (a) rates observed in the wholesale market or (b)\ngovernment-mandated rates, where applicable, for the transaction\ndate or the processing date. The currency conversion rate in effect\non the processing date may differ from the rate in effect on the\ntransaction date or posting date.\n\nPenalty APRs are variable rates calculated using the variable rate\nformula with a margin of up to 26.74 percentage points; this\ncurrently results in an APR of 29.99% (0.082164% DPR). The\ncalculated Penalty APR using this variable rate formula will not\nexceed 29.99%.\nHOW TO CALCULATE VARIABLE RATES\nVariable Rates are calculated by adding together an index and a\nmargin. This index is the highest U.S. Prime Rate as published in the\n\xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street Journal on the last\npublication day of each month.\nAn increase or decrease in the index will cause a corresponding\nincrease or decrease in your variable rates on the first day of your\nbilling cycle that begins in the same month in which the index is\npublished. An increase in the index means that you will pay higher\ninterest charges and have a higher Total Minimum Payment Due. If\nThe Wall Street Journal does not publish the U. S. Prime Rate, or if it\nchanges the definition of the U.S. Prime Rate, we may, in our sole\ndiscretion, substitute another index.\n\nINTEREST AND FEES\n\nCALCULATION AND BILLING OF INTEREST CHARGES\n\nINTEREST RATES - ANNUAL PERCENTAGE RATES (APRs)\nThis section provides the interest rates, also referred to as\ncorresponding Annual Percentage Rates (APRs), which are\napplicable to your account. The APR corresponds to the Daily\nPeriodic Rates (DPRs): the APR is equal to the DPR multiplied by\n365, and the DPR is equal to the APR divided by 365. Interest\ncharges are calculated by using the DPR. If a rate is a variable rate,\nwe calculate that APR by adding together an index and a margin.\nFor more information on variable rates, please refer to the How to\nCalculate Variable Rates section within this summary.\n\nWe calculate interest by multiplying each Balance Subject to\nInterest Rate by its applicable DPR and that result is multiplied by\nthe number of days in the billing cycle. Interest is calculated and\nposted to the applicable Purchase, Balance Transfer or Cash\nAdvance balance on the last day of the billing cycle after all other\ntransactions have posted and payments have been allocated.\nBILLING CYCLE\nA billing cycle is a time period that ends on a Statement Closing\nDate (or Closing Date) determined by us and begins on the day after\nthe Closing Date of the previous billing cycle. Each monthly\nstatement reflects a single billing cycle.\n\nPROMOTIONAL RATES AND FEES\nPromotional or Introductory Offers are temporary APRs\n(Promotional or Introductory Rates) or transaction fees\n(Promotional or Introductory Fees) that are offered on certain\nqualifying new transactions for a specified period of time. Each\nOffer will be assigned a unique Offer ID which will appear on your\ncredit card statement after the first qualified new transaction for\nthat Offer. If you revolve your balance to take advantage of a\nPromotional or Introductory Offer, all transactions and balances,\nincluding purchases, will be charged interest.\n\nPAYING INTEREST\nWhen applicable, interest accrues daily and compounds daily on new\ntransactions, and balances remaining from previous billing cycles.\nInterest will continue to accrue even though you have paid the full\namount of any related balances because we include any accrued but\nunpaid interest in the calculation of each Balance Subject to\nInterest Rate.\nWe will not charge you any interest on Purchases if you always pay\nyour entire New Balance Total by the Payment Due Date.\nSpecifically, you will not pay interest for an entire billing cycle on\nPurchases if you Paid in Full the two previous New Balance Totals\n\nCURRENT RATES\nYour current rate is the rate that will apply to transactions that are\n\n2\n\n\x0con your account by their respective Payment Due Dates; otherwise,\neach Purchase begins to accrue interest on its transaction date or\nthe first day of the billing cycle, whichever date is later.\n\nTRANSACTION FEES\nWe will assess the following Transaction Fees to your account in\nthe same balance category to which the transaction is posted, [see\nthe Pricing Information table for fee amounts].\n\nWe will begin accruing interest on Balance Transfers and Cash\nAdvances on the transaction date. The transaction date for access\nchecks is the date the check is first deposited or cashed.\n\nBalance Transfer\n\nNew Balance Total means the total billed amount as of the Closing\nDate of a billing cycle, as shown on your monthly statement.\n\nATM Cash Advance\n\nPay in Full or Paid in Full means payments and credits (excluding\ncredits made in accordance with first-year fee limits or the Military\nLending Act) in a billing cycle totaling at least your previous billing\ncycle\'s New Balance Total.\n\nCheck Cash Advance\n\nYour Payment Due Date will be at least 25 days from your\nstatement Closing Date and will fall on the same calendar day each\nmonth.\n\nOver the Counter Cash Advance\n\nBALANCES SUBJECT TO INTEREST RATE\nAverage Daily Balance Method (including new Purchases): We\ncalculate separate Balances Subject to an Interest Rate for\nPurchases and for each Introductory or Promotional Offer balance\nconsisting of Purchases by: (1) calculating a daily balance for each\nday in the current billing cycle; (2) adding all the daily balances\ntogether; and (3) dividing the sum of the daily balances by the\nnumber of days in the current billing cycle.\n\nForeign Transaction\n\nCash Equivalent\nDirect Deposit\nOverdraft Protection\nSame-Day Online Cash Advance\nWire Transfer Purchase\nACCOUNT FEES\nThe following fees are assessed as Purchases in the billing cycle in\nwhich the fees accrue:\nAn Annual Fee: [see the Pricing Information table for fee amount].\nThe Annual Fee will be assessed each [month of account opening] if\nyour account is open or if you maintain an account balance, whether\nor not you have active charging privileges.\n\nTo calculate the daily balance for each day in the current billing\ncycle, we: (1) take the beginning balance; (2) add an amount equal\nto the applicable DPR multiplied by the previous day\'s daily balance;\n(3) add new Purchases, new Account Fees, and new Transaction\nFees; and (4) subtract applicable payments and credits. If any daily\nbalance is less than zero we treat it as zero.\n\nWe will assess a Late Fee, if the Total Minimum Payment Due\nshown on your monthly statement is not received by us on or\nbefore its Payment Due Date. The Late Fee will not exceed the\nTotal Minimum Payment Due immediately prior to assessment of\nthe fee. On the Late Fee transaction date: [see the Pricing\nInformation table for fee amount]\n\nAverage Balance Method (including new Balance Transfers\nand new Cash Advances): We calculate separate Balances Subject\nto an Interest Rate for Balance Transfers, Cash Advances, and for\neach Introductory or Promotional Offer balance consisting of\nBalance Transfers or Cash Advances by: (1) calculating a daily\nbalance for each day in the current billing cycle; (2) calculating a\ndaily balance for each day prior to the current billing cycle that had\na \xe2\x80\x9cPre-Cycle balance\xe2\x80\x9d \xe2\x80\x93 a Pre-Cycle balance is a Balance Transfer or\na Cash Advance with a transaction date prior to the current billing\ncycle but with a posting date within the current billing cycle; (3)\nadding all the daily balances together; and (4) dividing the sum of\nthe daily balances by the number of days in the current billing cycle.\n\nA Returned Payment Fee of [see the Pricing Information table for\nfee amount] if a payment on your account is returned for\ninsufficient funds or for any other reason, even if it is paid upon\nsubsequent presentment (if we elect to re-present the payment).\nThe Returned Payment Fee will not exceed the Total Minimum\nPayment Due immediately prior to assessment of the fee, and will\nnever exceed the amount of the payment being returned.\n\nPAYMENTS AND DEFAULT\nYOUR PROMISE TO PAY\nYou promise to pay us the amounts of all credit you obtain, which\nincludes all Purchases, Balance Transfers, and Cash Advances. You\nalso promise to pay us all the amounts of interest charges, fees,\nand any other transactions charged to your account.\n\nTo calculate the daily balance for each day in the current billing\ncycle, we: (1) take the beginning balance; (2) add an amount equal\nto the applicable DPR multiplied by the previous day\'s daily balance;\n(3) add new Balance Transfers, Cash Advances and Transaction\nFees; and (4) subtract applicable payments and credits. If any daily\nbalance is less than zero we treat it as zero.\n\nPAYMENTS ON YOUR ACCOUNT\nYou must pay each month at least the Total Minimum Payment Due\nshown on your monthly statement by its Payment Due Date.\nPayments must conform to the requirements set out on that\nmonthly statement; these requirements may vary without prior\nnotice. You may pay the entire amount you owe us at any time.\nPayments made in any billing cycle that are greater than the Total\nMinimum Payment Due will not affect your obligation to make the\nnext Total Minimum Payment Due. If you overpay or if there is a\ncredit balance on your account, we will not pay interest on such\namounts. We will reject payments that are not drawn in U.S. dollars\nand those drawn on a financial institution located outside of the\nUnited States. We reserve the right to reject any payment if your\naccount has a credit balance as of the day we receive that payment.\nGenerally, credits to your account, such as those generated by\nmerchants or by person-to-person money transfers, are not treated\n\nTo calculate a daily balance for each day prior to the current billing\ncycle that had a Pre-Cycle balance, we: (1) take the beginning\nbalance attributable solely to a Pre-Cycle balance (which will be\nzero on the transaction date associated with the first Pre-Cycle\nbalance); (2) add an amount equal to the applicable DPR multiplied\nby the previous day\'s daily balance; and (3) add only the applicable\nPre-Cycle balances, and their related Transaction Fees. We exclude\nfrom this calculation all transactions posted in previous billing\ncycles.\nMINIMUM INTEREST CHARGE\nIf the total of the interest charges for all balances is less than\n$1.50, then a Minimum Interest Charge of $1.50 will be assessed\non the account. This fee is in lieu of any interest charge.\n\n3\n\n\x0cas payments and will not reduce your Total Minimum Payment Due.\n\nrequired Total Minimum Payment Due by its Payment Due Date; (2)\nyour total outstanding balance exceeds your Total Credit Line; (3)\nyour Bank Cash Advance balance exceeds your Cash Credit Line; or\n(4) you fail to abide by any other term of this Agreement. Solely for\nthe purposes of determining eligibility and premium payment\nobligations for the optional credit insurance purchased through\nBank of America, you will be deemed in default or delinquent if you\nfail to make a payment within 90 days of your Payment Due Date.\n\nPAYMENT CONVERSIONS\nWe process most payment checks electronically. We use the\ninformation on your check to create an electronic funds transfer.\nEach time you send a check, you authorize a one-time electronic\nfunds transfer. You also authorize us to process your check as a\ncheck or paper draft, as necessary. Funds may be withdrawn from\nyour account as soon as the same day we receive your payment.\nYou will not receive your cancelled check because we are required\nto destroy it. We will retain an electronic copy.\n\nWHEN WE MAY REQUIRE IMMEDIATE REPAYMENT\nIf you are in default, then in addition to our other remedies under\nthis Agreement, we can require immediate payment of your total\noutstanding balance and, unless prohibited by applicable law, we\ncan also require you to pay the costs we incur in any collection\nproceeding, as well as reasonable attorneys\' fees if we refer your\naccount for collection to an attorney who is not our salaried\nemployee.\n\nTOTAL MINIMUM PAYMENT DUE\nYou may pay your total outstanding balance at any time. Each\nbilling cycle, you must pay at least the Total Minimum Payment Due\nshown on your monthly statement by its Payment Due Date. The\nTotal Minimum Payment Due is the sum of all past due amounts\nplus the Current Payment.\n\nOTHER PAYMENT TERMS\nWe can accept late payments, partial payments, or payments with\nany restrictive writing without losing any of our rights under this\nAgreement. This means that no payment, including those marked\nwith paid in full or with any other restrictive words, shall operate as\nan accord and satisfaction without the prior written approval of one\nof our senior officers. You may not use a postdated check to make a\npayment. If you do postdate a payment check, we may elect to\nhonor it upon presentment or return it uncredited to the person\nthat presented it, without in either case waiting for the date shown\non the check. We are not liable to you for any loss or expense\narising out of the action we elect to take.\n\nThe Current Payment for each billing cycle includes three amounts:\n(1) 1.00% of your balance (your New Balance Total except for any\nnew interest charges and any new Late Fee), and (2) new interest\ncharges, and (3) any new Late Fee. Your current Payment will not be\nless than $35.00. We round the payment amount down to the\nnearest dollar.\nThe Total Minimum Payment Due will not be greater than your New\nBalance Total. If a payment is credited to your account but is\nreturned unpaid in a later billing cycle, we will recalculate the Total\nMinimum Payment Due for the billing cycle in which the payment\nwas originally credited.\nWHEN YOUR PAYMENT WILL BE CREDITED TO YOUR\nACCOUNT\nWe credit mailed payments as of the date received, if the payment\nis: (1) received by 5 p.m. local time at the address shown on the\nremittance portion of your monthly statement; (2) paid with a check\ndrawn in U.S. dollars on a U.S. financial institution or a U.S. dollar\nmoney order; and (3) sent in the return envelope with only the\nremittance portion of your statement accompanying it. However,\nmailed payments need not be sent in a return envelope if we sent\nyou a statement without a return envelope. Payments received\nafter 5 p.m. local time at the remittance address on any day\nincluding the Payment Due Date, but that otherwise meet the\nabove requirements, will be credited as of the next day. Credit for\nany other payments may be delayed up to five days.\n\nMODIFICATIONS TO REQUIRED MINIMUM MONTHLY\nPAYMENTS\nWe may allow you, from time to time, to omit a monthly payment\nor make a reduced payment. We will notify you when these options\nare available. This will only occur on an isolated basis, such as when\nthe bank is working with borrowers affected by a federally declared\ndisaster. If in response to this notification, you omit a payment or\nmake a reduced payment, interest charges, applicable fees, and\nother regular transactions, if any, will accrue on your account\nbalances in accordance with this Agreement. The reduced payment\namount may be less than your interest charges. You must make the\nreduced payment on time to avoid a Late Fee. You must resume\nmaking your regular Total Minimum Payment Due each month\nfollowing any modifications made to your required minimum\nmonthly payment.\n\nHOW WE ALLOCATE YOUR PAYMENTS\nMonthly minimum payments are required when you carry a balance.\nPayments are allocated to posted balances. If your account has\nbalances with different APRs, we will allocate the amount of your\npayment equal to the Total Minimum Payment Due to the lowest\nAPR balances first. Payment amounts in excess of your Total\nMinimum Payment Due will be applied to balances with higher APRs\nbefore balances with lower APRs. If a payment is returned, we\nreserve the right to debit the returned payment amount to the\nbalance subject to the current non-promotional rate for Purchases\non the account.\n\nCREDIT AVAILABILITY\nYOUR CREDIT LINES\nYour Total Credit Line and Cash Credit Line are disclosed to you\nwhen you receive your card and, generally, on each monthly\nstatement. The Total Credit Line is the amount of credit available\nfor the account; however, only a portion of that is available for Bank\nCash Advances. The Cash Credit Line is that amount you have\navailable for Bank Cash Advances. The amount of credit available in\nyour Cash Credit Line will never exceed the amount of credit\navailable in your Total Credit Line.\n\nPROMISE TO PAY APPLIES TO ALL PERSONS\nAll persons who initially or subsequently request, are granted,\naccept, guarantee or use the account are individually and together\nresponsible for any total outstanding balance. If you are responsible\nto pay any total outstanding balance, we may refuse to release you\nfrom liability until all of the cards, access checks, and other credit\ndevices outstanding under the account have been returned to us\nand you repay us the total outstanding balance owed to us under\nthe terms of this Agreement.\n\nWe may change your credit lines from time to time. We base that\ndecision on a variety of factors such as your payment and\ntransaction history with us, and information we receive from third\nparties, including credit reporting agencies. The amounts shown on\nyour monthly statement as available credit do not take into account\nPurchases, Balance Transfers, Cash Advances, interest charges,\nfees, any other transactions, or credits which post to your account\nafter the Closing Date of that monthly statement.\n\nDEFAULT\nYou will be in default of this Agreement if: (1) you fail to make any\n\nWHAT WE MAY DO IF YOU ATTEMPT TO EXCEED YOUR\nCREDIT LINES\n\n4\n\n\x0cThe total outstanding balance on your account plus authorizations\nat any time must not be more than your Total Credit Line. The total\noutstanding balance of your Bank Cash Advances (plus\nauthorizations) must not be more than your Cash Credit Line.\n\nany country or territory, or with any individual or entity that is\nsubject to economic sanctions administered and enforced by the\nU.S. Department of the Treasury\'s Office of Foreign Assets Control\n(OFAC). Use of your account in those countries will be blocked.\n\nEach time you attempt a transaction which results in your\napplicable outstanding balance (plus authorizations) exceeding a\ncredit line, we may: (1) permit the transaction without raising your\ncredit line; (2) permit the transaction and treat the amount of the\ntransaction that is more than the credit line as immediately due; or\n(3) refuse to permit the transaction.\n\nPERSONS USING YOUR ACCOUNT\nIf you permit any person to use your card, access checks, account\nnumber, or other credit device with the authorization to obtain\ncredit on your account, you will be liable for all transactions made\nby that person including transactions for which you may not have\nintended to be liable, even if the amount of those transactions\ncauses a credit line to be exceeded. Authorized users of this\naccount may have the same access to information about the\naccount and its users as the account holders. We may send account\nmaterials (cards, statements and notices) to any liable party, and\nthat person will be responsible for delivering those materials to the\nother liable parties and authorized users. Notice to any of you will\nbe considered notice to all of you. You may allow authorized users\non your account in the following ways: (1) by notifying us that you\nwant someone added to your account as an authorized user; (2) by\nlending or otherwise intentionally making your card, account\nnumber, or credit device accessible to another; or (3) by any other\nways in which you would be legally considered to have allowed\nanother to use your account or to be legally prevented from denying\nthat you did so. You must think carefully before you allow anyone to\nbecome an authorized user. By doing so, you authorize the person\nto use your account to the same extent you can, including but not\nlimited to making any Purchases, Balance Transfers, Cash Advances,\nand allowing others to use your account. Your account does not\npermit you to limit the nature or amount of authority you give to\nany authorized user and you will not attempt to do so. An\nauthorized user\'s authority will continue until you both notify us\nthat you are terminating the authority and you physically retrieve\nthe card or other credit device.\n\nIf we refuse to permit the transaction, we may advise the person\nwho attempted the transaction that it has been refused. If we\nrefuse to permit a Check Cash Advance or Balance Transfer, we\nmay do so by advising the person presenting the Check Cash\nAdvance or Balance Transfer that credit has been refused, that\nthere are insufficient funds to pay the Check Cash Advance or\nBalance Transfer, or in any other manner.\nWE MAY SUSPEND OR CLOSE YOUR ACCOUNT\nWe may suspend or close your account or otherwise terminate your\nright to use your account. We may do this at any time and for any\nreason. We may elect to not honor any access check which is\nwritten after the expiration date printed on that check. You may\nclose your account at anytime by notifying us in writing or by\ntelephone. Your obligations under this Agreement continue even\nafter the account is closed. You must destroy all cards, access\nchecks or other credit devices on the account when the account is\nclosed.\nWhen your account is closed, you must contact anyone authorized\nto charge transactions to your account, such as internet service\nproviders, health clubs or insurance companies. These transactions\nmay continue to be charged to your account until you change the\nbilling. Also, if we believe you have authorized a transaction or are\nattempting to use your account after you have requested to close\nthe account, we may allow the transaction to be charged to your\naccount.\n\nACCESS CHECKS\nYou may request a stop payment on an access check by providing\nus with the access check number, dollar amount, and payee exactly\nas they appear on the access check. Oral and written stop payment\nrequests on an access check are effective for six months from the\nday that we place the stop payment.\nYou may not issue a postdated access check on your account. If you\ndo postdate an access check, we may elect to honor it upon\npresentment or return it unpaid to the person that presented it to\nus for payment, without in either case waiting for the date shown\non the access check. We are not liable to you for any loss or\nexpense arising out of the action we elect to take.\n\nREFUSAL TO HONOR YOUR ACCOUNT\nWe may deny any transactions for any reason at our discretion. We\nare not liable for any refusal to honor your account. This can include\na refusal to honor your card or account number or any check written\non your account. We are not liable for any retention of your card by\nus, any other financial institution, or any provider of goods or\nservices.\nRECURRING PREAUTHORIZED TRANSACTIONS\nRecurring preauthorized transactions occur when you authorize a\nmerchant to automatically initiate a transaction using your account\non a recurring basis. If we issue a new credit card with a different\nnumber or expiration date to you, we may (but are not obligated to)\nprovide your new card number and expiration date to a merchant\nwith whom you have set up a recurring preauthorized transaction in\norder to continue your recurring preauthorized transactions. There\nwill be circumstances where you will have to contact the merchant.\n\nMISCELLANEOUS\nOVERDRAFT PROTECTION\nIf your eligible deposit account with Bank of America is linked to\nthis account, this overdraft protection feature will allow funds to be\ntransferred (overdraft protection transfers) from this account into\nyour designated deposit account with Bank of America when\ntransactions occur on your deposit account, such as checks or other\ndebits, that if paid would cause the deposit account to be\noverdrawn (overdraft transactions). Overdraft protection transfers\ninclude automatic transfers to cover deposit account fees.\nOverdraft protection transfers are processed after close of business\nMonday through Friday and are treated as Overdraft Protection\nCash Advances.\n\nLIMITATIONS/WARNINGS\nPURPOSES FOR USING YOUR ACCOUNT\nYou may not use this account to make a payment on this or any\nother credit account with us or our affiliates. You may not use or\npermit your account to be used to make any illegal transaction. You\nwill only use your account for transactions that are legal where you\nconduct them. We may charge your account for such transactions.\nWe will not be liable if you engage in an illegal transaction. We may\ndeny authorization of any transactions identified as Internet\ngambling. You may not use your account to conduct transactions in\n\nPrior to August 20, 2021, each day\'s overdraft transactions to be\nfunded by this account will be totaled and rounded to the next\n$100.00 increment up to your available Cash Credit Line, regardless\nof who initiated the overdraft transactions. For example, if your\n\n5\n\n\x0cdeposit account has a balance of $5.00 and a check or other debit\nitem for $125.00 is presented for payment, which if paid would\ncause your deposit account to be overdrawn, and your account is\nsubject to an Overdraft Protection Cash Advance fee, then an\noverdraft protection transfer of $200.00 will be made to your\ndeposit account and an Overdraft Protection Cash Advance of\n$200.00 will post to this account (in addition to the Overdraft\nProtection Cash Advance fee). The Portion of Credit Available for\nCash on this account must be sufficient to cover the amount of\noverdraft transactions to be funded by this account (received by\nBank of America that day) rounded to the next $100.00 increment\n(excluding any overdraft protection fee); otherwise one or more of\nthe overdraft transactions for that day will be rejected. However, if\nthe Portion of Credit Available for Cash on this account is greater\nthan the overdraft transaction amount, but the Portion of Credit\nAvailable for Cash is insufficient for the overdraft transaction\namount to be rounded to the next $100.00 increment, then the\namount of the overdraft transaction will be the amount of your\nPortion of Credit Available for Cash. Payments or credits to this\naccount may not impact your Portion of Credit Available for Cash\nuntil after the posting date of the payments or credits.\n\nTELEPHONE CALLS: CALLING, MONITORING AND\nRECORDING\nYou consent to and authorize Bank of America, any of its affiliates,\nits marketing associates, and independent contractors including\nservicers, vendors and collection agents, to monitor and/or record\nany of your telephone conversations and other electronic\ncommunications with our representatives or the representatives of\nany of those companies for reasonable business purposes including\nsecurity and quality assurance. We will not remind you that we may\nbe monitoring or recording a call at the outset of the call unless\nrequired by law to do so.\n\nEffective August 20, 2021, each day\xe2\x80\x99s overdraft transactions to be\nfunded by this account will be totaled up to your available Cash\nCredit Line, regardless of who initiated the overdraft transactions.\nFor example, if your deposit account has a balance of $5.00 and a\ncheck or other debit item for $125.00 is presented for payment,\nwhich if paid would cause your deposit account to be overdrawn,\nand your deposit account is subject to a $12.00 deposit account\noverdraft protection transfer fee, then an overdraft protection\ntransfer of $132.00 ($120.00 overdrawn balance plus $12.00\ndeposit account overdraft protection transfer fee) will be made to\nyour deposit account and an Overdraft Protection Cash Advance of\n$132.00 will post to this account. The Portion of Credit Available\nfor Cash on this account must be sufficient to cover the amount of\noverdraft transactions to be funded by this account (received by\nBank of America that day); otherwise one or more of the overdraft\ntransactions for that day will be rejected. Payments or credits to\nthis account may not impact your Portion of Credit Available for\nCash until after the posting date of the payments or credits.\n\nCommunication Revocation: If you do not want to receive\nautomatically dialed communications for this account, including\nprerecorded messages or texts, as described above, you must (1)\nprovide us with written notice revoking your prior consent; and (2)\nin that written notice, include your name and mailing address as\nthey appear on the account, and the last four digits of your account\nnumber. The notice must be sent to the address listed below.\n\nWhere you have provided a cell phone number directly to us, you\nconsent and agree to accept servicing calls and text messages to\nyour cell phone from us. For example, we may place calls to you\nabout fraud alerts or amounts you owe us (collection calls) on your\naccount. For any telephone or cell phone calls/communications we\nplace to you, you consent and agree that those calls may be\nautomatically dialed including prerecorded messages or texts. This\nmay include communications from companies working on our\nbehalf to service your account. Message and data rates may apply.\n\nPO Box 982236\nEl Paso, TX 79998-2236\nCREDIT REPORTING AGENCIES; COLLECTING AND SHARING\nINFORMATION\nYou authorize us to collect information about you in order to\nconduct our business and deliver the top quality service you expect,\nincluding information we receive about you, information we receive\nfrom third parties such as credit reporting agencies and\ninformation about your transactions with us and other companies.\nYou authorize us to share such information about you or your\naccount with our affiliates and others. You may have the right to\nopt out of some information sharing. For more details, please refer\nto our Privacy Notice.\n\nWe will not assess an Overdraft Protection Cash Advance fee for\nany overdraft protection transfer from this account to a linked Bank\nof America deposit account, if we determine that (a) your deposit\naccount is overdrawn by a total amount less than $12.00, after we\nfinish processing for the day, or (b) each overdraft transaction\nprocessed that day is $1.00 or less. Effective June 18, 2021 for any\noverdraft protection transfer from this account to a linked Bank of\nAmerica deposit account opened in GA, IL, KY, MI or TN, and\neffective August 20, 2021 for any overdraft protection transfer to a\nlinked Bank of America deposit account opened in all other\nlocations, we will not assess a deposit account overdraft protection\ntransfer fee if we determine that (a) your deposit account is\noverdrawn by a total amount of $1.00 or less after we finish\nprocessing for the day, or (b) each overdraft transaction processed\nthat day is $1.00 or less. If your account is subject to an Overdraft\nProtection Cash Advance fee, then overdraft protection transfers\nwill be assessed the Overdraft Protection Cash Advance fee for\neach such Cash Advance. Overdraft Protection transfers incur\ninterest charges from the transaction date. We may permit or\nrefuse to permit any overdraft protection transfer that would cause\nyou to exceed the Cash Credit Line on this account. This overdraft\nprotection feature will automatically be cancelled if this account is\nclosed by either you or us, or at any time upon your request. Your\noverdraft transactions remain subject to the terms of your deposit\naccount with Bank of America, any related enrollment agreement,\nand this Agreement.\n\nIf you believe we have furnished inaccurate or incomplete\ninformation about you or your account to a credit reporting\nagency, write to us at: Bank of America, N.A., Credit Reporting\nAgencies, P.O. Box 653059, Dallas, TX 75265-3059. Please\ninclude your name, address, home phone number, and account\nnumber, and explain what you believe is inaccurate or\nincomplete.\nBENEFITS\nWe may offer you certain benefits and services with your account.\nAny benefits or services are not a part of this Agreement, but are\nsubject to the terms and restrictions outlined in the Benefits Guide\nand other official documents provided to you from time to time by\nor on behalf of Bank of America. We may adjust, add, or delete\nbenefits and services at any time and without notice to you.\nWE MAY SELL YOUR ACCOUNT\nWe may at any time, and without notice to you, sell, assign or\ntransfer your account, any amounts due on your account, this\nAgreement, or our rights or obligations under your account or this\nAgreement to any person or entity. The person or entity to whom\nwe make any such sale, assignment or transfer shall be entitled to\n\n6\n\n\x0call of our rights and shall assume our obligations under this\nAgreement, to the extent sold, assigned or transferred.\n\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the\nbill is correct.\n\nYOU MUST NOTIFY US WHEN YOU CHANGE YOUR ADDRESS\nYou must notify us promptly when you change your address. We\nmay also change your address if so notified by the post office or\nothers.\n\nWhile we investigate whether or not there has been an error:\n\nWHAT LAW APPLIES\nThis Agreement is made in North Carolina and we extend credit to\nyou from North Carolina. This Agreement is governed by the laws of\nthe State of North Carolina (without regard to its conflict of laws\nprinciples) and by any applicable federal laws.\n\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\n\xe2\x80\xa2 We cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\n\n\xe2\x80\xa2 While you do not have to pay the amount in question,\nyou are responsible for the remainder of your balance.\n\nPROVISIONS OF THIS AGREEMENT ARE SEVERABLE\nIf any provision of this Agreement is found to be invalid, the\nremaining provisions will continue to be effective.\n\n\xe2\x80\xa2 We can apply any unpaid amount against your Total\nCredit Line.\nAfter we finish our investigation, one of two things will happen:\n\nWe use section headings (e.g., Types of Transactions) to organize\nthis Agreement. The headings are for reference purposes only.\n\n\xe2\x80\xa2 If we determine there was a mistake: You will not have\nto pay the amount in question or any interest or other\nfees related to that amount.\n\nUNAUTHORIZED USE OF YOUR ACCOUNT\nPlease notify us immediately of the loss, theft, or possible\nunauthorized use of your account at 1.800.421.2110.\n\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have\nto pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the\namount you owe and the date payment is due. We may\nthen report you as delinquent, including to credit\nreporting agencies, if you do not pay the amount we\nthink you owe.\n\nYOUR BILLING RIGHTS\nKeep This Document For Future Use\nThis notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\n\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also\nreporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we\nmust let those organizations know when the matter has been\nsettled between us.\n\nIf you think there is an error on your statement, write to us at:\nBank of America\nP.O. Box 672050\nDallas, TX 75267-2050\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\nIf we do not follow all of the rules above, you do not have to pay\nthe first $50 of the amount you question even if your bill is correct.\n\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected\nerror.\n\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\n\n\xe2\x80\xa2 Description of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why\nyou believe it is a mistake.\n\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not\nto pay the remaining amount due on the purchase.\n\nYou must contact us:\n\nTo use this right, all of the following must be true:\n\n\xe2\x80\xa2 Within 60 days after the error appeared on your\nstatement.\n\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address,\nand the purchase price must have been more than $50.\n(Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed to you, or if\nwe own the company that sold you the goods or\nservices.)\n\n\xe2\x80\xa2 At least 3 business days before an automated payment\nis scheduled, if you want to stop payment on the\namount you think is wrong.\nYou must notify us of any potential errors in writing. You may call\nus, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\n\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your credit card account do\nnot qualify.\n\nNote: It is very helpful if your letter includes the transaction date\nand the reference number for the charge, if available.\nWhat Will Happen After We Receive Your Letter\n\n3. You must not yet have fully paid for the purchase.\n\nWhen we receive your letter, we must do two things:\n\nIf all of the criteria above are met and you are still dissatisfied with\nthe purchase, contact us in writing at:\n\n1. Within 30 days of receiving your letter, we must tell\nyou that we received your letter. We will also tell you if\nwe have already corrected the error.\n\nBank of America\nP.O. Box 672050\nDallas, TX 75267-2050\n\n7\n\n\x0cWhile we investigate, the same rules apply to the disputed amount\nas discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and\nyou do not pay, we may report you as delinquent.\n\xc2\xa92021 Bank of America Corporation. All rights reserved.\n\n8\n\n\x0c'