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Benefits & Rewards Guide

1 Benefits & Rewards Guide + Visa Signature Credit Card MERRILL23 Cover Image: Los Angeles, CaliforniaInside Cover Image: Burano, Venice, ItalyMerrill lynch , Pierce, Fenner & Smith Incorporated (also referred to as MLPF&S or merrill ) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ( BofA Corp. ). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA products are provided by Bank of America, , and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA products:Are Not FDIC InsuredAre Not Bank GuaranteedMay Lose Value2 Rewards , travel benefitsso much moreWelcome to your merrill + card s Benefits & Rewards Guide where you ll discover how much more your card has to offer with flexible Rewards , luxury travel Benefits , lifestyle experiences and leading security features to help protect you from identity theft and travel security program , Italy 5 Travel, cash & gift rewardsso much more with your card s flexible rewardsYou earn 1 point for every dollar you spend on purchases.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”).

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