Example of Credit Card Agreement for

Bank of America® Secured Mastercard® and Visa® accounts

This information is accurate as of March 31, 2025.

This credit card program is issued and administered by Bank of America, N.A. Mastercard is a registered
trademark of Mastercard International Incorporated and is used by the issuer pursuant to license. Visa is a
registered trademark of Visa International Service Association and is used by the issuer pursuant to
license from Visa U.S.A., Inc. Bank of America is a registered trademark of Bank of America Corporation.

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PRICING INFORMATION
Actual pricing will vary from one cardholder to another
Annual Percentage Rate (APR) for
Purchases

These APRs will vary with the Prime + 17.74% to Prime + 20.74%
(APR) 25.24% to 28.24%
market based on the Prime Rate (as
of 03/31/2025)
(DPR) 0.069150% to 0.077369%
APR for Balance Transfers

These APRs will vary with the Prime + 17.74% to Prime + 20.74%
market based on the Prime Rate (as (APR) 25.24% to 28.24%
of 03/31/2025) (DPR) 0.069150% to 0.077369%

APR for Direct Deposit and Check Cash

Advances

These APRs will vary with the Prime + 20.74%

market based on the Prime Rate (as (APR) 28.24%
of 03/31/2025) (DPR) 0.077369%

APR for Bank Cash Advances

These APRs will vary with the Prime + 20.74%

market based on the Prime Rate (as (APR) 28.24%
of 03/31/2025) (DPR) 0.077369%

Penalty APR and When it Applies None or Up to 29.99%, based on your creditworthiness. This APR will vary
with the market based on the Prime Rate.
This APR may be applied to new transactions on your account if you:

• Make a late payment.

How Long Will the Penalty APR apply?:

If your APR is increased for this reason, the Penalty APR will apply
indefinitely.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will
not charge you any interest on Purchases if you pay your entire balance or
your Interest Saving Balance by the due date each month. We will begin
charging interest on Cash Advances and Balance Transfers on the transaction
date.
Monthly Custom Pay Plan Fee (Fixed Monthly fee of 1.72% of the amount of Purchases initially assigned to a
Finance Charge) Custom Pay Plan. See below for more information for the Monthly Custom
Pay Plan Fees.
Account Fees
Transaction Fees
Balance Transfer % of Transaction 0% to 4%
ATM Cash Advance % of 5%
Transaction
Cash Equivalent % of Transaction 5%
Check Cash Advance % of 0% to 4%
Transaction

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 Direct Deposit % of Transaction 0% to 4%
Over the Counter Cash Advance 5%
% of Transaction
Same-Day Online Cash Advance % 5%
of Transaction
Foreign Transaction % of 0% to 3%
Transaction
Wire Transfer % of Transaction 5%
Penalty Fee
Late Payment Up to $40

How We Will Calculate Your Balance: For Purchase balances, we will use a method called “average daily balance (including
new Purchases).” See the section titled Balances Subject to Interest Rate in your Credit Card Agreement for more details.

For Balance Transfer and Cash Advance balances, we will use an Average Balance Method (including new Balance Transfers and
new Cash Advances). This balance is calculated by adding the outstanding balance (including new Balance Transfers and new
Cash Advances and deducting payments and credits) for each day in the current billing cycle, together with the balances for
each day in the previous billing cycle for Balance Transfers and Cash Advances with transaction dates in the previous cycle and
posting dates in the current cycle, and then dividing by the number of days in the current billing cycle.

Additional information regarding the Monthly Custom Pay Plan Fee (Fixed Finance Charge): The monthly fee will be
disclosed at the time the Custom Pay Plan is created, will never exceed a monthly fee of 1.72%, and does not change over the
life of the Plan. The fee will be charged monthly until the Plan balance is paid in full. The total of all Monthly Custom Pay Plan
Fees billed for any specific Plan will not exceed the sum of the original Monthly Custom Pay Plan Fee times the original total
number of monthly payments established for the Plan. The fee for each Custom Pay Plan is based on the Plan duration, the
amount of Purchases assigned to the Plan, the APR that would otherwise apply to those Purchases, and other factors.

Military Lending Act Disclosure: The following disclosure applies to persons covered by the Military Lending Act – other
governmental programs and laws may also govern or apply but are not described in the following disclosure. The following
disclosure is required by the Military Lending Act.

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of
consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not
exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the
costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any
application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation
fee charged (other than certain participation fees for a credit card account).

Please refer to the Total Minimum Payment Due section of the Credit Card Agreement accompanying this disclosure to see how
your monthly minimum payment is calculated.

Please call our dedicated Military Lending Act toll free number at 844.441.9168 or call collect at 302.318.8745 with any
questions or concerns.

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 CREDIT CARD AGREEMENT
YOUR SECURITY AGREEMENT (DEPOSIT ACCOUNT) WITH US condition or ability to repay the Debt; (f) any guaranty or
FOR YOUR FULLY OR PARTIALLY SECURED CREDIT CARD other agreement required in connection with the Debt is
violated or ineffective; or (g) you file a bankruptcy
petition, a bankruptcy petition is filed against you, or you
1. This is the "Security Agreement" referred to on the make a general assignment for the benefit of creditors. If
Application. “Bank” means Bank of America, N.A. “You,” you default, the Bank may declare all of the Debt
“your” and “yours” refer to each person signing and/or immediately due and payable. Bank may also exercise all
submitting the Application, with each of you being the rights of an owner of the Deposit Account.
referred to as a “Cardholder”. You are furnishing and
granting the Bank a security interest in the Deposit
Account at Bank of America, N.A. or one of its affiliates. 4. Enforcing the Agreement. Upon any default, Bank is
“Deposit Account” or “Collateral Account” means the authorized to act as owner of the Deposit Account and to
deposit account opened pursuant to the Application, as apply all or any portion to: (a) the Bank’s costs in
well as additions to, substitutions or renewals of that enforcing its rights hereunder; (b) the interest and fees
Deposit Account, which you have, by signing and/or relating to the Debt; and (c) the principal of the Debt.
submitting the Application, granted to the Bank to secure Bank is irrevocably appointed as attorney-in-fact to
the Debt (as defined below). “Secured Card Account” execute any instruments required to satisfy Debt. This
means the secured credit card account to be established Agreement is governed by the laws of the state in which
by the Bank upon receipt of the Application Form. “Debt” the Bank and Deposit Account are located. Bank’s rights
means all obligations to the Bank, including any continuing stated in this Agreement are in addition to any others it
guaranty arising from the Secured Card Account, as well has under the law. If there is a conflict regarding the
as each extension, refinance or renewal of such security interest between this Agreement and any other
obligations, and any expenses that the Bank incurs in agreement, this Agreement will control. You represent
enforcing your obligations under this Agreement, including that no insolvency proceeding or general assignment for
fees for independent and/or in-house counsel, where creditors is pending that would affect the Bank’s security
allowed by law. No portion of Deposit Account will be interest. If Bank waives or delays exercising a right, it
available to you or may be used to secure other loans. does not forfeit that right or any others. You waive any
defense you may have against Bank. Bank can exercise its
rights against Deposit Account even if you are no longer
2. Bank’s Rights over Deposit Account. The Bank may liable on Debt because of a statute of limitations or
make settlements or compromises on the Deposit because of other reasons. Until Debt is fully repaid, and
Account; transfer the Deposit Account to the Bank’s own you have no further obligations under this Agreement, you
name; or exercise ownership rights on the Deposit will subordinate in favor of Bank any right of subrogation
Account. You waive any right to require the Bank to: (a) and any right to enforce a remedy Bank now has or may
proceed against any Cardholder or any other person; (b) later have.
proceed against or exhaust any security held under this
Security Agreement; or (c) pursue any other remedy in the
Bank’s power. The Bank may, without prior notice, and 5. After receipt of payments on the Secured Card Account,
from time to time: (a) renew, compromise, extend, Bank may withhold the release of available credit equal to
accelerate or otherwise change the terms relating to the the amount of the payment for a period of time to ensure
Debt; (b) take and hold security (other than the Collateral that sufficient funds are available.
Account) for payment of the Debt and enforce, exchange
and release the security in any manner that the Bank
determines is proper; (c) release or substitute any 6. Return of Security Deposit. There are two scenarios
Cardholder, guarantor, or endorser of the Debt; and (d) that may result in your security deposit being returned,
increase or lower the Total Credit Line on your Secured and in the second scenario, you will be allowed to
Card Account, and no such action shall change the fact continue to use your card: (a) If you pay your balance in
that the Deposit Account at all times will be held by the full and close your credit card account, we’ll return your
Bank as security for the Debt. security deposit, which can take up to two billing cycles
plus ten days; (b) Periodically, we will review your overall
credit history to see if you qualify to have your security
3. Defaults. The Bank may, without prior notice, declare you deposit returned. A decision to return the security deposit
in default of the Debt if: (a) you fail to meet the is based on responsible credit management across all of
conditions, to perform any obligation, or to make any your credit cards and loans, including Bank of America and
payment under this agreement or any other agreement others. Not all customers will qualify. If the Bank
that you make relating to the Debt; (b) you withdraw or determines that the collateral from “Deposit
transfer from the Deposit Account any funds pledged Account/Collateral Account” shall be released, the Bank
under this Agreement; (c) you have given the Bank false or will pay the collateral amount to the Primary Applicant
misleading information or misrepresentations; (d) any either by (a) depositing funds into an account with the
Cardholder dies; (e) any government authority takes action Bank on which the Primary Applicant is one of the owners,
which the Bank believes adversely affects your financial or (b) some other method deemed sufficient by the Bank.

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YOUR CONTRACT WITH US adjustments associated with any Purchase. However, when a
Monthly Custom Pay Plan Fee is assessed, it becomes a part of that
This document, and any future changes to it, is your contract with Custom Pay Plan balance.
us. We will refer to this document as your "Agreement" or "Credit
Card Agreement"; these terms also include any changes we may "Balance Transfer" means a transfer of funds to another creditor
make to this document from time to time. initiated by us at your request. A Balance Transfer does not include
a transaction that is otherwise a Cash Advance. Balance Transfers
We reserve the right to amend this Agreement at any time, by include Transaction Fees and adjustments associated with any
adding, deleting, or changing provisions of this Agreement. All Balance Transfer.
amendments will comply with the applicable notice requirements of
federal and North Carolina law that are in effect at that time. A "Cash Advance" means the use of your account for a loan in the
following ways:
If an amendment gives you the opportunity to reject the change, 1. Direct Deposit: by a transfer of funds via an ACH
and if you reject the change in the manner provided in such (Automated Clearing House) transaction to a deposit
amendment, we may terminate your right to receive credit and may account initiated by us at your request. A Direct Deposit
ask you to return all credit devices as a condition of your rejection. does not include an Overdraft Protection Cash Advance or
We may replace your card with another card at any time. a Same-Day Online Cash Advance.
The reasons we may amend this Agreement include the 2. Check Cash Advance: by an access check you sign as
following: drawer.
• Changes in regulation or legislation, or a change in the 3. Bank Cash Advance: by loans accessed in the following
interpretation of a regulation or legislation. manner:
• Changes related to your individual credit history, such as: a. ATM Cash Advance: at an automated teller
your risk profile, your payment or transaction patterns, machine;
balance patterns, the utilization levels of this and other b. Over the Counter (“OTC”) Cash Advance: at any
accounts, credit bureau information including the age, financial institution (e.g., to obtain cash, money
history and type of other accounts, and the measure of orders, wire transfers, or travelers checks);
risk associated with each. c. Same-Day Online Cash Advance: by a same day
• Changes to overall economic and market trends, product online funds transfer to a deposit account;
design, and business needs. d. Overdraft Protection Cash Advance: by a transfer
"We", "us", and "our" mean Bank of America, N.A. of funds to a deposit account pursuant to an
overdraft protection program (see the section titled
"You" and "your" mean each and all of the persons who are granted, Overdraft Protection below);
accept or use the account and any person who has guaranteed e. Cash Equivalents: by the purchase of foreign
payment of the account. currency, money orders, travelers checks, wire
You may use your account for personal, family, or household transfers, or to obtain cash, each from a
purposes. You may not use your account for business or commercial non-financial institution, or person-to-person money
purposes. transfers, bets, lottery tickets purchased outside the
United States, casino gaming chips, cryptocurrency
Our failure or delay in exercising any of our rights under this
to the extent accepted, or bail bonds, with your card
Agreement does not mean that we are unable to exercise those
or account number (including through the use of an
rights later.
enabled mobile device).
TYPES OF TRANSACTIONS Cash Advances include Transaction Fees and adjustments
You may obtain credit in the form of Purchases, Balance Transfers, associated with any Cash Advance.
and Cash Advances, by using cards, access checks, an account All Bank Cash Advances are subject to the Cash Credit Line. For
number, or other credit devices. Balance Transfers and certain Cash more information on credit lines, please refer to the section titled
Advances, such as Direct Deposits, are made available to you at our Your Credit Lines within this Agreement.
discretion. "Cards" are all the credit cards we issue to you and to
You agree that we may rely on information provided by merchants
any other person with authorization for use on this account
and your applicable payment network to categorize transactions
pursuant to this Agreement. Sign your card before using it. A
among Purchases, Balance Transfers, and various types of Cash
"Personal Identification Number" (PIN) is associated with your credit
Advances.
card as of the opening of your account. You may be required to use
a PIN to make an ATM Cash Advance or to complete Purchases at YOUR CREDIT CARD ACCOUNT AND YOUR MOBILE DEVICES
certain merchant terminals, generally overseas. You can request AND THE INTERNET
your PIN by going to our online banking site or our mobile Smart phones, some tablets or other mobile devices (individually
application, or contacting us. An access check is a check we provide and collectively, a “mobile device”) can download, store, and/or
to you to obtain credit on this account. All access checks include an access account information, for instance through a mobile wallet,
expiration date printed at the top. We will honor access checks that may enable you to use the mobile device to make Purchases,
received for payment by us before the expiration date printed on Balance Transfers or Cash Advances.
the check, provided your account is open and in good standing, with In certain instances, those transactions will replicate using your
available credit. Access checks without a printed expiration date will credit card to make a transaction on the internet with your
not be honored. computer. In other instances, a mobile device can act as if it were a
"Purchase" means the use of your card or account number (including credit card itself by for instance, allowing you to make purchases at
through the use of an enabled mobile device) to: a point of sale. Applications that enable your mobile device to be
1. buy or lease goods or services; used for such transactions will have unique terms governing those
2. make a transaction that is not otherwise a Cash Advance. applications. Read them carefully. Transactions made through those
Purchases include Account Fees, as well as Transaction Fees and applications are governed by this Agreement.

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When your credit card account information is accessible by your your account, any existing balances of that type will be identified as
mobile device, it is important that you treat your mobile device with Protected Balances on your statement. These Protected Balances
the same care you would your credit card. For example, you should generally are kept at their current APR until the balances are paid in
secure your mobile device against unauthorized access. Keep in full.
mind, if you give someone access to your phone, or other mobile PENALTY APR AND WHEN IT APPLIES
device, that can be the same as giving that person your credit card. The "Penalty APR" is the APR(s) which may be applied to new
From time to time, we may make certain offers or features Purchases, Balance Transfers, and Cash Advances, for certain
available only through online or mobile banking. If you wish to take default occurrences as described below.
advantage of those offers or features, you will need to use a We may increase the APRs on new transactions up to the Penalty
conforming device (computer, mobile device, or otherwise) that can APR, based on your creditworthiness, each time a Total Minimum
access the internet. Payment Due is not received by its applicable Payment Due Date.
FOREIGN TRANSACTIONS We may elect to set your APRs for Purchases, Balance Transfers,
A “Foreign Transaction” is any transaction made in a foreign Direct Deposit and Check Cash Advances, and Bank Cash Advances
currency. If you make a Foreign Transaction, we will assess the to different Penalty APRs. We will provide you with a minimum of
Foreign Transaction Fee [see the Pricing Information table for fee 45 days advance notice. An increased Penalty APR will remain in
amount]. If a transaction is made in a foreign currency, the effect indefinitely.
transaction will be converted by Visa International or Mastercard Penalty APRs are variable rates calculated using the variable rate
International, depending on which card is associated with this formula with a margin of up to 26.74 percentage points; this
account, into a U.S. dollar amount in accordance with the operating currently results in an APR of 34.24% (0.093808% DPR). The
regulations or conversion procedures in effect at the time the calculated Penalty APR using this variable rate formula will not
transaction is processed. The currency conversion rate used by Visa exceed 29.99%.
is either (a) a rate selected by Visa from the range of rates available
in wholesale currency markets for the applicable processing date, HOW TO CALCULATE VARIABLE RATES
which rate may vary from the rate Visa receives; or (b) the rate Variable Rates are calculated by adding together an index and a
mandated by a government or governing body in effect for the margin. This index is the highest U.S. Prime Rate as published in the
applicable processing date. The currency conversion rate for “Money Rates” section of The Wall Street Journal on the last
Mastercard is based on (a) rates observed in the wholesale market publication day of each month.
or (b) government-mandated rates, where applicable, for the An increase or decrease in the index will cause a corresponding
transaction date or the processing date. The currency conversion increase or decrease in your variable rates on the first day of your
rate in effect on the processing date may differ from the rate in billing cycle that begins in the same month in which the index is
effect on the transaction date or posting date. published. An increase in the index means that you will pay higher
interest charges and have a higher Total Minimum Payment Due. If
INTEREST AND FEES The Wall Street Journal does not publish the U.S. Prime Rate, or if it
INTEREST RATES - ANNUAL PERCENTAGE RATES (APRs) changes the definition of the U.S. Prime Rate, we may, in our sole
This section provides the interest rates, also referred to as discretion, substitute another index.
corresponding Annual Percentage Rates (APRs), which are CALCULATION AND BILLING OF INTEREST CHARGES
applicable to your account. The APR corresponds to the Daily
Periodic Rate (DPR): the APR is equal to the DPR multiplied by 365, We calculate interest by multiplying each Balance Subject to
and the DPR is equal to the APR divided by 365. Interest charges Interest Rate by its applicable DPR and that result is multiplied by
are calculated by using the DPR. If a rate is a variable rate, we the number of days in the billing cycle. Interest is calculated and
calculate that APR by adding together an index and a margin. For posted to the applicable Purchase, Balance Transfer or Cash
more information on variable rates, please refer to the How to Advance balance on the last day of the billing cycle after all other
Calculate Variable Rates section within this Agreement. transactions have posted and payments have been allocated.

Promotional Rates and Fees BILLING CYCLE

“Promotional or Introductory Offers” are temporary APRs A “billing cycle” is a time period that ends on a Statement Closing
(Promotional or Introductory Rates) or fees (Promotional or Date (or Closing Date) determined by us and begins on the day after
Introductory Fees) that are offered on certain qualifying new the Closing Date of the previous billing cycle. Each monthly
transactions for a specified period of time. Each offer will be statement reflects a single billing cycle.
assigned a unique Offer ID which will appear on your credit card PAYING INTEREST
statement after the first qualified new transaction for that offer. If When applicable, interest accrues daily and compounds daily on new
you revolve your Grace Period Balance to take advantage of a transactions, and balances remaining from previous billing cycles.
Promotional or Introductory Offer, all transactions and balances, Interest will continue to accrue even though you have paid the full
including Purchases (unless subject to a Custom Pay Plan), will be amount of any related balances because we include any accrued but
charged interest. Custom Pay Plan and Grace Period Balance are unpaid interest in the calculation of each Balance Subject to
defined in the sections titled Custom Pay Plan and Paying Interest, Interest Rate.
respectively. We will not charge you any interest on Purchases if you always pay
Current Rates your entire “Grace Period Balance”, as defined in the next two
Your current rate is the rate that will apply to transactions that are paragraphs, by the Payment Due Date. Specifically, you will not pay
not subject to an Introductory or a Promotional Rate. interest for an entire billing cycle on Purchases if you Paid in Full
[see the Pricing Information table for current rates] the two previous Grace Period Balances on your account by their
respective Payment Due Dates; otherwise, each Purchase begins to
Rates for Protected Balances accrue interest on its transaction date or the first day of the billing
When an interest rate change for new transactions is applied to

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cycle, whichever date is later. balance); (2) add an amount equal to the applicable DPR multiplied
If you do not have an active Custom Pay Plan, your Grace Period by the previous day's daily balance; and (3) add only the applicable
Balance will be the New Balance Total. New Balance Total (also Pre-Cycle balances, and their related Transaction Fees. We exclude
referred to as the “Statement Balance”) is the total billed amount from this calculation all transactions posted in previous billing
as of the Closing Date of a billing cycle, as shown on your monthly cycles.
statement, plus any adjustments for subsequently returned CUSTOM PAY PLAN
payments. A “Custom Pay Plan” (also referred to as a “Plan”) is an option we
If you have an active Custom Pay Plan, your Grace Period Balance may make available to you. You will be able to assign a Purchase to
will be the Interest Saving Balance as shown on your monthly a Plan. That Purchase will no longer accrue interest at the APR for
statement plus any adjustments for subsequently returned Purchases; however, it will be subject to an accelerated repayment
payments. The Interest Saving Balance is your New Balance Total, schedule for the duration of that Plan and a monthly fee that we
minus any balances subject to a Custom Pay Plan plus any Custom will disclose to you upon creation of the Plan.
Pay Plan Payment(s) due, as shown on your monthly statement. For A “Plan-Qualified Purchase” is a Purchase that we make available to
more information about Custom Pay Plans see the Custom Pay Plan be assigned into a Plan. Balance Transfers, Cash Advances,
section in this Agreement. purchases of cash or Cash Equivalents, Foreign Transaction Fees, or
We will begin accruing interest on Balance Transfers and Cash any fees owed to us, including annual or membership fees, cannot
Advances on the transaction date. The transaction date for access be assigned to a Plan.
checks is the date the check is first deposited or cashed. We may offer to you from time to time the option to assign
“Pay in Full” or “Paid in Full” means payments and credits (excluding Plan-Qualified Purchases to a Plan. You can only access available
credits made in accordance with first-year fee limits or the Military Plan offers through Online or Mobile Banking. If you assign a
Lending Act) in a billing cycle totaling at least your previous billing Plan-Qualified Purchase to a Plan, the amount of the Purchase (not
cycle's Grace Period Balance. to exceed your current Purchase balance) will become part of a
Plan, which will be repayable according to the monthly installment
Your Payment Due Date will be at least 25 days from your schedule stated in the Plan offer. A Purchase you assign to a Plan
statement Closing Date and will fall on the same calendar date each will be excluded from the Balance Subject to Interest Rate for
month. Purchases as of the first day of the billing cycle in which the Plan
BALANCES SUBJECT TO INTEREST RATE was created or the transaction date of the Purchase assigned to
Average Daily Balance Method (including new Purchases): We that Plan, whichever occurs later. Instead, the Plan balance will be
calculate separate Balances Subject to an Interest Rate for subject to a fixed Monthly Custom Pay Plan Fee (a Fixed Finance
Purchases and for each Introductory or Promotional Offer balance Charge) for the duration of that Plan. The Monthly Custom Pay Plan
consisting of Purchases by: (1) calculating a daily balance for each Fee will be charged monthly until the Plan balance is paid in full.
day in the current billing cycle; (2) adding all the daily balances The total of all Monthly Custom Pay Plan Fees billed for any specific
together; and (3) dividing the sum of the daily balances by the Plan will not exceed the sum of the original Monthly Custom Pay
number of days in the current billing cycle. Plan Fee times the original total number of monthly payments
established for this Plan. The Monthly Custom Pay Plan Fee does
To calculate the daily balance for each day in the current billing
not change over the life of the associated Plan.
cycle, we: (1) take the beginning balance less any Purchases
assigned to an existing Custom Pay Plan; (2) add an amount equal When creating a Plan, you may select the Plan-Qualified Purchases
to the applicable DPR multiplied by the previous day's daily balance; to be assigned to the Plan and may be given a choice of Plan
(3) add new Purchases, new Account Fees, and new Transaction durations and fees. You will be required to pay a Monthly Custom
Fees; (4) subtract Purchases assigned to a new Custom Pay Plan; Pay Plan Payment consisting of the Monthly Custom Pay Plan Fee
and (5) subtract applicable payments and credits. If any daily plus a prorated portion of your Plan balance for the duration of the
balance is less than zero, we treat it as zero. Plan. The Monthly Custom Pay Plan Fee and Monthly Custom Pay
Plan Payment will be disclosed to you prior to entering into that
Average Balance Method (including new Balance Transfers Plan and will be based upon that Plan’s duration, the APR that
and new Cash Advances): We calculate separate Balances Subject would otherwise apply to the Purchases, and other factors.
to an Interest Rate for Balance Transfers, Cash Advances, and for
each Introductory or Promotional Offer balance consisting of Custom Pay Plans are made available to you at our discretion. You
Balance Transfers or Cash Advances by: (1) calculating a daily will not be able to initiate a Plan if your account is closed or not in
balance for each day in the current billing cycle; (2) calculating a good standing. You will also not be able to initiate a Plan if one or
daily balance for each day prior to the current billing cycle that had more of your accounts is enrolled into a debt management
a Pre-Cycle balance – a “Pre-Cycle balance” is a Balance Transfer or program, or has a payment that is returned unpaid, or is delinquent.
a Cash Advance with a transaction date prior to the current billing We will tell you the number of active Plans you may have and we
cycle but with a posting date within the current billing cycle; (3) may change this number at any time.
adding all the daily balances together; and (4) dividing the sum of If you receive a merchant credit that we did not recognize as
the daily balances by the number of days in the current billing cycle. associated with a Purchase that you assigned to a Plan, you must
To calculate the daily balance for each day in the current billing call us promptly to have the credit applied to the Plan balance. To
cycle, we: (1) take the beginning balance; (2) add an amount equal the extent the Plan balance equals or exceeds the amount of the
to the applicable DPR multiplied by the previous day's daily balance; merchant credit, we will apply that credit to the Plan balance.
(3) add new Balance Transfers, Cash Advances and Transaction Otherwise, such credit will be applied to your account balance as a
Fees; and (4) subtract applicable payments and credits. If any daily general merchant credit.
balance is less than zero, we treat it as zero. Once created, a Plan cannot be cancelled. You may prepay any Plan
To calculate a daily balance for each day prior to the current billing by paying the Plan balance - however, payments will be applied to
cycle that had a Pre-Cycle balance, we: (1) take the beginning other balances first. If you fully prepay a Plan, you will no longer be
balance attributable solely to a Pre-Cycle balance (which will be charged Plan fees for that Plan. If your Plan still retains a balance at
zero on the transaction date associated with the first Pre-Cycle the conclusion of the term of the Plan, you will be responsible for

4
payment of that balance and any remaining unpaid Monthly Custom monthly statement; these requirements may vary without prior
Pay Plan Fees. notice. You may pay the entire amount you owe us at any time.
Custom Pay Plans will increase your Total Minimum Payment Due. If Payments made in any billing cycle that are greater than the Total
you cannot afford the increased payment for the full duration of the Minimum Payment Due will not affect your obligation to make the
Plan, you will incur Late Fees. It is to your advantage to pay your next Total Minimum Payment Due. If you overpay or if there is a
New Balance Total each month. However, Plans do give you the credit balance on your account, we will not pay interest on such
opportunity to pay off a specified transaction over a set time amounts. We will reject payments that are not drawn in U.S. dollars
period, while allowing you to pay your other balances in full and still and those drawn on a financial institution located outside of the
preserve the Grace Period for your account. Consider these facts United States. We reserve the right to refuse any payment if that
before you enter into a Plan, because once created, you cannot payment will create, or if the account already has, a credit balance
cancel them. as of the day we receive the payment. Generally, credits to your
account, such as those generated by merchants or by
By creating a Plan, you agree that we may adjust the amounts you person-to-person money transfers, are not treated as payments and
authorized us to apply to your account, under an existing recurring will not reduce your Total Minimum Payment Due.
payment plan you have with us, as a result of your new Plan
balance. This may include an adjustment to your Total Minimum You may set up automatic payment arrangements online and/or
Payment Due, Interest Saving Balance, Statement Balance and through your mobile device. Where these arrangements refer to
current balance, or any other amount you have authorized us to “Statement Balance” remember that is the same term as “New
debit from your deposit account and apply to your account. Balance Total” as it is used in the Agreement.

TRANSACTION FEES PAYMENT CONVERSIONS

We will assess the following Transaction Fees to your account in We process most payment checks electronically. We use the
the same category to which the transaction is posted, [see the information on your check to create an electronic funds transfer.
Pricing Information table for fee amounts]. Each time you send a check, you authorize a one-time electronic
funds transfer. You also authorize us to process your check as a
Balance Transfer check or paper draft, as necessary. Funds may be withdrawn from
ATM Cash Advance your account as soon as the same day we receive your payment.
You will not receive your cancelled check because we are required
Cash Equivalent to destroy it. We will retain an electronic copy.
Check Cash Advance TOTAL MINIMUM PAYMENT DUE
Direct Deposit You may pay your total outstanding balance at any time. Each
billing cycle, you must pay at least the Total Minimum Payment Due
Over the Counter Cash Advance shown on your monthly statement by its Payment Due Date. The
Same-Day Online Cash Advance "Total Minimum Payment Due" is the sum of all past due amounts
plus the Current Payment.
Foreign Transaction
The Current Payment for each billing cycle includes four amounts:
Wire Transfer (1) 1.00% of your New Balance Total, except for any new interest
ACCOUNT FEES charges, any balances subject to a Custom Pay Plan, and any new
Late Fee, (2) new interest charges, (3) any new Late Fee (the sum
The following fees are assessed as Purchases in the billing cycle in of (1) and (2) and (3) will be rounded down to the nearest dollar and
which the fees accrue: will not be less than $35.00), and (4) any Custom Pay Plan Payment
A Late Fee of [see the Pricing Information table for fee amount] will due.
be assessed if the Total Minimum Payment Due shown on your The Total Minimum Payment Due will not be greater than your New
monthly statement is not received by us on or before its Payment Balance Total and your Interest Saving Balance will never be less
Due Date. If a Late Fee was assessed any time in the prior six than your Total Minimum Payment Due. If a payment is credited to
billing cycles, then the amount of the Late Fee will be [see the your account but is returned unpaid in a later billing cycle, we will
Pricing Information table for fee amount]. The Late Fee will not recalculate the Total Minimum Payment Due, the New Balance
exceed the Total Minimum Payment Due immediately prior to Total, and the Interest Saving Balance for that billing cycle in which
assessment of the fee. If your balance is $100 or less on the the payment was originally credited. In order to keep your account
Payment Due Date, we will not assess a Late Fee. current, you will have to have paid this recalculated Total Minimum
If you create a Custom Pay Plan, we will set a monthly fee (the Payment Due by its associated payment due date.
Monthly Custom Pay Plan Fee) equal to 1.72% of the initial balance WHEN YOUR PAYMENT WILL BE CREDITED TO YOUR
assigned to the Plan.
ACCOUNT
PAYMENTS AND DEFAULT We credit mailed payments as of the date received, if the payment
is: (1) received by 5 p.m. local time at the address shown on the
YOUR PROMISE TO PAY remittance portion of your monthly statement; (2) paid with a check
You promise to pay us the amounts of all credit you obtain, which drawn in U.S. dollars on a U.S. financial institution or a U.S. dollar
includes all Purchases, Balance Transfers, and Cash Advances. You money order; and (3) sent in the return envelope with only the
also promise to pay us all the amounts of interest charges, fees, remittance portion of your statement accompanying it. However,
and any other transactions charged to your account. mailed payments need not be sent in a return envelope if we sent
you a statement without a return envelope. Payments received
PAYMENTS ON YOUR ACCOUNT
after 5 p.m. local time at the remittance address on any day
You must pay each month at least the Total Minimum Payment Due
including the Payment Due Date, but that otherwise meet the
shown on your monthly statement by its Payment Due Date.
above requirements, will be credited as of the next day. Credit for
Payments must conform to the requirements set out on that

5
any other payments may be delayed up to five days. an accord and satisfaction without the prior written approval of one
HOW WE ALLOCATE YOUR PAYMENTS of our senior officers. You may not use a postdated check to make a
payment. If you do postdate a payment check, we may elect to
Monthly minimum payments are required when you carry a balance.
honor it upon presentment or return it uncredited to the person
Payments are allocated to posted balances. We will first allocate
that presented it, without in either case waiting for the date shown
the amount of your payment equal to the Total Minimum Payment
on the check. We are not liable to you for any loss or expense
Due to any Custom Pay Plan Payment due, then to the lowest APR
arising out of the action we elect to take.
balances in turn. Payment amounts in excess of your Total
Minimum Payment Due will be applied to balances with higher APRs MODIFICATIONS TO REQUIRED MINIMUM MONTHLY
before balances with lower APRs, and finally to any Custom Pay PAYMENTS
Plan balances. If a payment is returned, we reserve the right to We may allow you, from time to time, to omit a monthly payment
debit the returned payment amount to the balance subject to the or make a reduced payment. We will notify you when these options
current non-promotional rate for Purchases (that are not subject to are available. This will only occur on an isolated basis, such as when
a Custom Pay Plan) on the account. Returned payments can result the bank is working with borrowers affected by a federally declared
in a recalculation of Custom Pay Plans. disaster. If in response to this notification, you omit a payment or
From time to time, credits may be posted to your account. A credit make a reduced payment, interest charges, applicable fees, and
is not a payment, and does not count toward the Total Minimum other regular transactions, if any, will accrue on your account
Payment Due each month. However, a credit will reduce the balance balances in accordance with this Agreement. The reduced payment
of the account as a whole, and if there are no other balances on the amount may be less than your interest charges. You must make the
account, can create a credit balance. When a credit posts to the reduced payment on time to avoid a Late Fee. You must resume
account, if we determine that the credit is associated with a making your regular Total Minimum Payment Due each month
specific transaction or specific balance type (Purchase, Balance following any modifications made to your required minimum
Transfer, Cash Advance or Custom Pay Plan), we will apply that monthly payment.
credit to the balance associated with that transaction, to the extent
such balance equals or exceeds the amount of the credit. CREDIT AVAILABILITY
Otherwise, credits are applied in a manner similar to payment YOUR CREDIT LINES
amounts in excess of the Total Minimum Payment Due each month; Your Total Credit Line and Cash Credit Line are disclosed to you
consequently, there can be circumstances where credits can reduce when you receive your card and, generally, on each monthly
balances that are subject to a promotional rate, or that are in a statement. The “Total Credit Line” is the amount of credit available
Custom Pay Plan. for the account; however, only a portion of that is available for Bank
PROMISE TO PAY APPLIES TO ALL PERSONS Cash Advances. The “Cash Credit Line” is that amount you have
All persons who initially or subsequently request, are granted, available for Bank Cash Advances. The amount of credit available in
accept, guarantee or use the account are individually and together your Cash Credit Line will never exceed the amount of credit
responsible for any total outstanding balance. If you are responsible available in your Total Credit Line.
to pay any total outstanding balance, we may refuse to release you We may change your credit lines from time to time. We base that
from liability until all of the cards, access checks, and other credit decision on a variety of factors such as your payment and
devices outstanding under the account have been returned to us transaction history with us, and information we receive from third
and you repay us the total outstanding balance owed to us under parties, including consumer reporting agencies. The amounts shown
the terms of this Agreement. on your monthly statement as available credit do not take into
DEFAULT account Purchases, Balance Transfers, Cash Advances, interest
You will be in default of this Agreement if: (1) you fail to make any charges, fees, any other transactions, or credits which post to your
required Total Minimum Payment Due by its Payment Due Date; (2) account after the Closing Date of that monthly statement.
your total outstanding balance exceeds your Total Credit Line; (3) WHAT WE MAY DO IF YOU ATTEMPT TO EXCEED YOUR
your Bank Cash Advance balance exceeds your Cash Credit Line; or CREDIT LINES
(4) you fail to abide by any other term of this Agreement. Solely for The total outstanding balance on your account plus authorizations
the purposes of determining eligibility and premium payment at any time must not be more than your Total Credit Line. The total
obligations for the optional credit insurance purchased through outstanding balance of your Bank Cash Advances (plus
Bank of America, you will be deemed in default or delinquent if you authorizations) must not be more than your Cash Credit Line.
fail to make a payment within 90 days of your Payment Due Date. If
you make a payment while you are in default, such payment will be Each time you attempt a transaction which results in your
applied in accordance with the How We Allocate Your Payments applicable outstanding balance (plus authorizations) exceeding a
section in this Agreement. credit line, we may: (1) permit the transaction without raising your
credit line; (2) permit the transaction and treat the amount of the
WHEN WE MAY REQUIRE IMMEDIATE REPAYMENT transaction that is more than the credit line as immediately due; or
If you are in default, then in addition to our other remedies under (3) refuse to permit the transaction.
this Agreement, we can require immediate payment of your total
If we refuse to permit the transaction, we may advise the person
outstanding balance and, unless prohibited by applicable law, we
who attempted the transaction that it has been refused. If we
can also require you to pay the costs we incur in any collection
refuse to permit a Check Cash Advance or Balance Transfer, we
proceeding, as well as reasonable attorneys' fees if we refer your
may do so by advising the person presenting the Check Cash
account for collection to an attorney who is not our salaried
Advance or Balance Transfer that credit has been refused, that
employee.
there are insufficient funds to pay the Check Cash Advance or
OTHER PAYMENT TERMS Balance Transfer, or in any other manner.
We can accept late payments, partial payments, or payments with
WE MAY SUSPEND OR CLOSE YOUR ACCOUNT
any restrictive writing without losing any of our rights under this
We may suspend or close your account or otherwise terminate your
Agreement. This means that no payment, including those marked
right to use your account. We may do this at any time and for any
with paid in full or with any other restrictive words, shall operate as
reason. We may elect to not honor any access check which is

6
written after the expiration date printed on that check. You may requested we add to your account and to which we have approved.
close your account at any time by notifying us in writing or by If approved, use of your account by such Authorized User is subject
telephone. Your obligations under this Agreement continue even to the terms of this Agreement. You agree that an Authorized User
after the account is closed. You must destroy all cards, access may have the same access to information about the account as you
checks or other credit devices on the account when the account is do and that we may discuss your account with an Authorized User.
closed. An Authorized User may take advantage of benefits associated with
When your account is closed, you must contact anyone authorized your account, but may not add any other person to your account.
to charge transactions to your account, such as internet service In order to request that we add an Authorized User to your account,
providers, health clubs or insurance companies. These transactions you must: (1) be eligible to add a person to your account; (2)
may continue to be charged to your account until you change the acknowledge to us that you have obtained the express permission
billing. Also, if we believe you have authorized a transaction or are of the person to be added to the account and that certain
attempting to use your account after you have requested to close information about that person will be shared with us; (3) provide us
the account, we may allow the transaction to be charged to your with that person’s information, which may include full legal name,
account. date of birth, social security/tax identification number, primary
address, their relationship to you, and citizenship status; and (4)
REFUSAL TO HONOR YOUR ACCOUNT
inform that person that we report the account to the Consumer
We may deny any transactions for any reason at our discretion. We
Reporting Agencies, which means the account and account activity
are not liable for any refusal to honor your account. This can include
may appear on that person’s credit report. If the request is
a refusal to honor your card or account number or any check written
approved, you must make and provide a copy of this Agreement to
on your account. We are not liable for any retention of your card by
the Authorized User.
us, any other financial institution, or any provider of goods or
services. Think carefully before you allow anyone to use your card, access
checks, account number, or other credit device. By doing so, you
RECURRING PREAUTHORIZED TRANSACTIONS
authorize that person to use your account to the same extent that
Recurring preauthorized transactions occur when you authorize a
you can and they may have the same access to information as you
merchant to automatically initiate a transaction using your account
do, including but not limited to making Purchases, Balance
on a recurring basis. If we issue a new credit card with a different
Transfers, Cash Advances, and allowing others to use your account.
number or expiration date to you, we may (but are not obligated to)
Your account does not permit you to limit the nature or amount of
provide your new card number and expiration date to Visa or
authority you give to any person you have authorized to use your
Mastercard, depending on which card is associated with this
account and you will not attempt to do so. The authority you have
account, who may provide it to the merchant with whom you have
granted to such person will continue until you notify us that you are
set up a recurring preauthorized transaction in order to continue
terminating the authority and you physically retrieve the card,
your recurring preauthorized transactions. You will want to confirm
checks or other credit device.
with the merchants that they have your new card information.
When we send you account materials (cards, statements, and
LIMITATIONS/WARNINGS notices), you will be responsible for delivering those materials to
any person associated with your account and any authorized users
PURPOSES FOR USING YOUR ACCOUNT of your account. Notice to any of you will be considered notice to all
You may not use this account to make a payment on this or any of you.
other credit account with us or our affiliates. You may not use or
permit your account to be used to make any illegal transaction. You ACCESS CHECKS
will only use your account for transactions that are legal where you You may request a stop payment on an access check by providing
conduct them. We may charge your account for such transactions. us with the access check number, dollar amount, and payee exactly
We will not be liable if you engage in an illegal transaction. We may as they appear on the access check. Oral and written stop payment
deny authorization of any transactions identified as Internet requests on an access check are effective for six months from the
gambling. You may not use your account to conduct transactions in day that we place the stop payment.
any country or territory, or with any individual or entity that is
You may not issue a postdated access check on your account. If you
subject to economic sanctions administered and enforced by the
do postdate an access check, we may elect to honor it upon
U.S. Department of the Treasury's Office of Foreign Assets Control
presentment or return it unpaid to the person that presented it to
(OFAC). Use of your account in those countries will be blocked.
us for payment, without in either case waiting for the date shown
PERSONS USING YOUR ACCOUNT on the access check. We are not liable to you for any loss or
If you permit any person to use your card, access checks, account expense arising out of the action we elect to take.
number, or other credit device with the authorization to obtain
credit on your account, you will be liable for all transactions made MISCELLANEOUS
by that person including transactions for which you may not have
OVERDRAFT PROTECTION
intended to be liable, even if the amount of those transactions
If your eligible deposit account with Bank of America is linked to
causes a credit line to be exceeded.
this account, this overdraft protection feature (which may also be
You may authorize any person to use your account in the following referred to as Balance Connect®) will allow funds to be transferred
ways: (1) by lending or otherwise intentionally making your card, (“overdraft protection transfers”) from this account into your
access checks, account number, or credit device accessible to designated deposit account with Bank of America when
another; (2) by requesting us to formally add a person to your transactions occur on your deposit account, such as checks or other
account as an Authorized User; or (3) by any other ways in which debits, that if paid would cause the deposit account to be
you would be legally considered to have allowed another to use your overdrawn ("overdraft transactions"). Overdraft protection transfers
account or to be legally prevented from denying that you did so. include automatic transfers to cover deposit account fees.
An "Authorized User" means any person that you have formally Overdraft protection transfers are processed after close of business

7
Monday through Friday and are treated as Overdraft Protection SHARING INFORMATION
Cash Advances. You authorize us to collect information about you in order to
Each day’s overdraft transactions to be funded by this account will conduct our business and deliver the top quality service you expect,
including information we receive about you, information we receive
be totaled up to your available Cash Credit Line, regardless of who
about any authorized users of your account, information we receive
initiated the overdraft transactions. For example, if your deposit
from third parties such as consumer reporting agencies, and
account has a balance of $5.00 and a check or other debit item for information about you and your authorized users’ transactions with
$125.00 is presented for payment, which, if paid, would cause your us and other companies. We report account information to
deposit account to be overdrawn, then an overdraft protection Consumer Reporting Agencies, which means the account will appear
transfer of $120.00 will be made to your deposit account and an on your consumer report and may appear on any Authorized User’s
Overdraft Protection Cash Advance of $120.00 will post to this consumer report. You authorize us to share such information about
account. The Portion of Credit Available for Cash on this account you and your account with our affiliates and others. You may have
must be sufficient to cover the amount of overdraft transactions to the right to opt out of some information sharing. For more details,
be funded by this account (received by Bank of America that day); please refer to our Privacy Notice.
otherwise one or more of the overdraft transactions for that day
will be rejected. Payments or credits to this account may not If you believe we have furnished inaccurate or incomplete
impact your Portion of Credit Available for Cash as shown on your information about you or your account to a consumer reporting
periodic statement until after the posting date of the payments or agency, write to us at: Bank of America, N.A., RE: Consumer
credits. Reporting Agencies, P.O. Box 653059, Dallas, TX 75265-3059.
Overdraft protection transfers incur interest charges from the Please include your name, address, home phone number, and
transaction date. We may permit or refuse to permit any overdraft account number, and explain what you believe is inaccurate or
protection transfer that would cause you to exceed the Cash Credit incomplete.
Line of this account. This overdraft protection feature will BENEFITS
automatically be cancelled if this account is closed by either you or We may offer you certain benefits and services with your account.
us, or at any time upon your request, and may also be cancelled Any benefits or services are not a part of this Agreement, but are
according to the terms of your deposit account. Your overdraft subject to the terms and restrictions outlined in the Benefits Guide
transactions remain subject to the terms of your deposit account and other official documents provided to you from time to time by
with Bank of America, any related enrollment agreement and this or on behalf of Bank of America. We may adjust, add, or delete
Agreement. benefits and services at any time and without notice to you.
TELEPHONE CALLS: CALLING, MONITORING AND WE MAY SELL YOUR ACCOUNT
RECORDING We may at any time, and without notice to you, sell, assign or
You consent to and authorize Bank of America, any of its affiliates, transfer your account, any amounts due on your account, this
its marketing associates, and independent contractors, including Agreement, or our rights or obligations under your account or this
servicers, vendors, and collection agents, to monitor and/or record Agreement to any person or entity. The person or entity to whom
any of your telephone conversations and other electronic we make any such sale, assignment or transfer shall be entitled to
communications with our representatives or the representatives of all of our rights and shall assume our obligations under this
any of those companies for reasonable business purposes including Agreement, to the extent sold, assigned or transferred.
security and quality assurance. We will not remind you that we may
be monitoring or recording a call at the outset of the call unless YOU MUST NOTIFY US WHEN YOU CHANGE YOUR ADDRESS
required by law to do so. You must notify us promptly when you change your address. We
may also change your address if so notified by the post office or
Where you have provided a cell phone number directly to us, you others.
consent and agree to accept servicing calls and text messages to
your cell phone from us. For example, we may place calls to you WHAT LAW APPLIES
about fraud alerts or amounts you owe us (collection calls) on your This Agreement is made in North Carolina and we extend credit to
account. For any telephone or cell phone calls/communications we you from North Carolina. This Agreement is governed by the laws of
place to you, you consent and agree that those calls may be the State of North Carolina (without regard to its conflict of laws
automatically dialed including prerecorded messages or texts. This principles) and by any applicable federal laws.
may include communications from companies working on our PROVISIONS OF THIS AGREEMENT ARE SEVERABLE
behalf to service your account. Message and data rates may apply. If any provision of this Agreement is found to be invalid, the
Communication Revocation: If you do not want to receive remaining provisions will continue to be effective.
automatically dialed communications for this account, including We use section headings (e.g., Types of Transactions) to organize
prerecorded messages or texts, as described above, you can (1) call this Agreement. The headings are for reference purposes only.
us using the number that appears on your monthly statement; or (2)
UNAUTHORIZED USE OF YOUR ACCOUNT
provide us with written notice revoking your prior consent. If you
Please notify us immediately of the loss, theft, or possible
write to us, please include your name and mailing address as they
unauthorized use of your account at 1.800.421.2110.
appear on the account, and the last four digits of your account
number. Your written notice must be sent to the address listed SECURITY INTEREST
below. This account is secured by the Deposit Account referred to in the
Security Agreement. We have included the Security Agreement in
Bank of America the first part of this document. You have affirmatively agreed to
P.O. Box 653064 and granted to us a security interest in the Deposit Account. We can
transfer funds from the Deposit Account to this secured account if
Dallas, TX 75265-3064
you default on the debt arising from this account. Such instances of
your default are described herein and in the Security Agreement,
CONSUMER REPORTING AGENCIES; COLLECTING AND and may include, for example, your failing to make a payment.

8
 must write to us within 10 days telling us that you still refuse to
YOUR BILLING RIGHTS pay. If you do so, we cannot report you as delinquent without also
reporting that you are questioning your bill. We must tell you the
Keep This Document For Future Use
name of anyone to whom we reported you as delinquent, and we
This notice tells you about your rights and our must let those organizations know when the matter has been
responsibilities under the Fair Credit Billing Act. settled between us.
What To Do If You Find A Mistake On Your Statement If we do not follow all of the rules above, you do not have to pay
the first $50 of the amount you question even if your bill is correct.
If you think there is an error on your statement, write to us at:
Your Rights If You Are Dissatisfied With Your Credit Card
Bank of America
P.O. Box 672050 Purchases
Dallas, TX 75267-2050 If you are dissatisfied with the goods or services that you have
purchased with your credit card, and you have tried in good faith to
In your letter, give us the following information: correct the problem with the merchant, you may have the right not
to pay the remaining amount due on the purchase.
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error. To use this right, all of the following must be true:
• Description of problem: If you think there is an error on
your bill, describe what you believe is wrong and why you 1. The purchase must have been made in your home state or
believe it is a mistake. within 100 miles of your current mailing address, and the
purchase price must have been more than $50. (Note:
Note: It is very helpful if your letter includes the transaction date
Neither of these are necessary if your purchase was based
and the reference number for the charge, if available.
on an advertisement we mailed to you, or if we own the
You must contact us: company that sold you the goods or services.)
• Within 60 days after the error appeared on your 2. You must have used your credit card for the purchase.
statement. Purchases made with Cash Advances, for instance from an
• At least 3 business days before an automated payment is ATM or with a check that accesses your credit card
scheduled, if you want to stop payment on the amount account, do not qualify.
you think is wrong. 3. You must not yet have fully paid for the purchase.
You must notify us of any potential errors in writing or
electronically using online or mobile banking. You may call us, but if If all of the criteria above are met and you are still dissatisfied with
you do we are not required to investigate any potential errors and the purchase, contact us electronically using online or mobile
you may have to pay the amount in question. banking or in writing at:
What Will Happen After We Receive Your Letter Bank of America
When we receive your letter, we must do two things: P.O. Box 672050
1. Within 30 days of receiving your letter, we must tell you
Dallas, TX 75267-2050
that we received your letter. We will also tell you if we While we investigate, the same rules apply to the disputed amount
have already corrected the error. as discussed above. After we finish our investigation, we will tell
2. Within 90 days of receiving your letter, we must either you our decision. At that point, if we think you owe an amount and
correct the error or explain to you why we believe the bill you do not pay, we may report you as delinquent.
is correct.
While we investigate whether or not there has been an error: ©2025 Bank of America Corporation. All rights reserved.
• We cannot try to collect the amount in question, or report
you as delinquent on that amount.
• The charge in question may remain on your statement,
and we may continue to charge you interest on that
amount.
• While you do not have to pay the amount in question, you
are responsible for the remainder of your balance.
• We can apply any unpaid amount against your Total Credit
Line.
After we finish our investigation, one of two things will happen:
• If we determine there was a mistake: You will not have to
pay the amount in question or any interest or other fees
related to that amount.
• If we do not believe there was a mistake: You will have to
pay the amount in question, along with applicable interest
and fees. We will send you a statement of the amount you
owe and the date payment is due. We may then report you
as delinquent, including to consumer reporting agencies, if
you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you