AAA Member Rewards Visa® Program Rules - Bank of …

1 AAA Member Rewards visa Program Rules It s easy to earn Points simply use your Card for everyday purchases, like buying groceries, filling the gas tank or paying your utility bill. There s no additional cost to participate in the Program , and you and your authorized users are automatically enrolled. Rewards at a glance: Base Earn Earn 1 Base Point for every $1 spent on Net Purchases Bonus Earn AAA Club/Travel Merchant Bonus: Earn 3 Points (2 Bonus Points and 1 Base Point) for every $1 spent on eligible Net Purchases* Gas/Grocery Store/Wholesale Club/ Pharmacy Bonus: Earn 2 Points (1 Bonus Point and 1 Base Point) for every $1 spent on eligible Net Purchases** Preferred Rewards /Preferred Rewards for Wealth Management Bonus (if qualified & enrolled): Earn 25% 75% more Points** Redeem Travel Cash Back Gift Cards AAA Branch Vouchers Minimum Redemption Redemptions start at 2,500 Points Expiration Points expire 5 years after the month they were earned Forfeiture Points are subject to forfeiture.

2 See page 5. *See page 2 for eligibility details. **See page 3 for eligibility details. **See page 3 for eligibility details. Learn more about: Travel Rewards page 6 Cash Rewards page 7 Gift Card Rewards page 8 AAA Branch Vouchers page 9 The following Program Rules provide what you need to know about the Program . Please review this document and keep it for reference. If We make any changes to the Program , We will let you know on Page 1 Basic terms and definitions Base Points The number of Points you will earn with each purchase Billing Cycle The period of time between monthly bills or monthly billing statements, as defined in your Credit Card Agreement Bonus Points The number of additional Points you can earn with each purchase, subject to the terms of certain bonus offers or enrollment-based programs Card A AAA Member Rewards visa credit card Cardholder (also referred to as you )

3 Individual Cardholders, Joint Cardholders and authorized users, if any, with a Card account and charging privileges (excluding corporations, partnerships or other entities) Cash Rewards A statement credit, an electronic Automated Clearing House (ACH) System deposit into a checking or savings account with bank of america , , a contribution to an eligible Cash Management Account with Merrill, or a check; Cash Rewards are issued in dollars Eligible Account A bank of america checking or savings account and/or a qualifying Cash Management Account with Merrill. Eligible Accounts are determined by bank of america , Joint Cardholder Joint owner of the Card account who shares full responsibility of account with the Primary Cardholder; does not include authorized users Net Purchases The amount of purchases less any credits, returns and adjustments Points Points that are earned or redeemed through the Program Preferred Rewards /Preferred Rewards for Wealth Management programs Optional benefits and Rewards programs , separate from this Card Program , available to bank of america customers/Merrill clients who have met certain deposit account and deposit/investment balance criteria.

4 Qualification and enrollment requirements, and other Program details, are available at Rewards Primary Cardholder First-named Cardholder on the Card account Program The AAA Member Rewards Program Program Rules Refers to the terms and conditions in this document, which govern the Program ; these Program Rules are separate from the terms of the Credit Card Agreement provided with your Card Rewards Rewards that you can receive by redeeming Points Site The Program website at , which includes the bank of america Mobile Banking application when available Travel Center The website or call center where Cardholders can purchase travel or redeem Points for travel Travel Rewards Air travel, car rentals, hotel stays and other travel options that are paid for fully or partially by redeeming Points We/Us/Our bank of america , , the administrator and issuer of the Program How are my Points calculated?

5 We will calculate your Points with each eligible transaction and award (or deduct) the resulting Points, including two decimals (for example, $ x 1 = Points). We calculate and round Base and Bonus Points separately. Base Points We calculate the number of Base Points you will earn with each purchase or return transaction you make. The transaction amount (positive or negative dollars) multiplied by your base earn rate of 1 Point equals your Base Points. For example, a purchase of $ x 1 base earn rate = Base Points. Page 2 Similarly, a return of -$ x 1 base earn rate = Base Points. Bonus Points You may earn Bonus Points based on meeting certain criteria or taking certain actions (such as enrolling in the Preferred Rewards Program ); details will accompany the offer.

6 We calculate the number of Bonus Points you will earn with each purchase or return transaction you make, but separately from the calculation for your Base Points. The transaction amount (positive or negative dollars) multiplied by the bonus earn rate for that particular offer equals your Bonus Points. For example, a purchase of $ x .50 bonus earn rate = Bonus Points. Similarly, a return of -$ x .50 bonus earn rate = Bonus Points. Points Rounding Any Points calculations resulting in more than two decimals will be rounded up to the next hundredth of a Point (for example, rounds up to ). How do I earn Points? Earn 1 Base Point for every $1 spent on Net Purchases. $ x 1 earn rate = Points. There is no limit on the number of Points that can be earned. From time to time, special promotions may feature the ability to earn Bonus Points; details will accompany the offer.

7 Points are subject to verification. Visit the Site or refer to your monthly billing statement to see how many Points you ve earned. Transactions not eligible for Points You won t earn Points for: Balance Transfers and Cash Advances, including but not limited to, travelers checks, money orders and other cash equivalents Fees, interest charges and credit insurance Fraudulent transactions What you need to know For new customers, accrual of Points may begin immediately upon processing of account opening. If you are an existing credit card customer and your account is converted to the Program , you may not be issued Points until the first day of the Billing Cycle, beginning after you receive the Card(s). How do I earn Bonus Points for eligible Net Purchases? AAA/Travel Merchant Bonus Earn 3 Points (consisting of 2 Bonus Points and 1 Base Point) for every $1 spent on Net Purchases made with the Card: through any participating AAA Club (a Participating AAA Club, as further qualified below); when AAA is the merchant of record; or, at eligible retail travel merchants (under specific merchant codes as described below).

8 For example, if you spent $100 on Net Purchases at a Participating AAA Club, you would earn 200 Bonus Points and 100 Base Points, totaling 300 Points. Eligible retail travel merchants are those in which purchases are made at merchants using the following Merchant Category Codes (MCCs): Airlines (MCCs 3000 3350 representing individual major airline carriers, and 4511 Airlines/Air Carriers) Car Rental Agencies (MCCs 3351 3500 representing individual major agencies, and 7512 Automobile Rental Agency) Hotels, Motels, Inns and Resorts (MCCs 3501 3999 representing individual major hotel /motel chains, and 7011 Hotels/Motels/Resorts) Page 3 Steamship/Cruise Lines (MCC 4411) Travel Agencies (MCCs 4722, 4723) Railroad Transportation (MCC 4111 Commuter Rail and 4112 Rail Transportation) Gas/Grocery Store/Wholesale Club/ Pharmacy Bonus Earn 2 Points (consisting of 1 Bonus Point and 1 Base Point)

9 For every $1 spent on Net Purchases made with the Card at any eligible gas, grocery store, wholesale club, or pharmacy retail merchants (as designated by Us and described below). Excluded from this bonus category are superstores and smaller stores (like convenience stores) that sell groceries and a variety of other products. For example, if you spent $100 on Net Purchases at an eligible grocery store merchant, you would earn 100 Bonus Points and 100 Base Points, totaling 200 Points. Eligible gas, grocery store, wholesale club, and pharmacy retail merchants are those in which purchases are made at merchants using the following MCCs: Gas (MCC 5541 Service Stations, 5542 Automated Fuel Dispensers, 4468 Marinas, Marine Service/ Supplies, and 5983 Fuel Dealers) Grocery Stores (MCC 5411 Grocery Stores/Supermarkets, 5422 Freezer/Meat Lockers, 5441 Candy/ Nut/Confection Stores, 5451 Dairy Product Stores, 5462 Bakeries, and 5499 Misc.)

10 Food Stores. Please note that this list does not include codes for Discount Stores ) Wholesale Clubs (MCC 5300 Wholesale Clubs) Pharmacy Stores (MCC 5122 Drugs/Druggists/Sundries and 5912 Drug Stores and Pharmacies) What you should know Purchases made at merchants that do not process transactions under the specified merchant codes or purchases processed through a third-party payment account, mobile/wireless card reader, digital wallet not supported by bank of america or similar technology where the technology does not support transmission of merchant codes will not qualify to receive the Bonus Points. The following types of transactions will not qualify to receive the AAA Bonus: insurance purchases made through any AAA Club or Club-affiliated insurance agency for policies which are not underwritten by an insurance company owned by or affiliated with a AAA Club; and automobile extended warranties, trip insurance or any other services that are purchased through a Participating AAA Club but are provided by a third-party merchant.