Rates, Fees, and Other Disclosures

Legal Disclosures

By electronically submitting this Application, I acknowledge and agree on behalf of the Business entity and myself as the Owner/Authorized Officer: 1) that all information provided in connection with this application is correct; 2) that FIA Card Services, N.A. ("FIA Card Services") may investigate and exchange reports regarding information on the Owner/Authorized Officer and the Business entity with credit reporting agencies and others in order to approve or decline this application, service my account, and manage your relationship with me; 3) that the accounts will be used for business purposes only; 4) to all terms of the Business Card Agreement provided with the cards; 5) that I authorize FIA Card Services to provide my application information and any updated application information I provide to its affiliate(s) in connection with other accounts that I may have with those affiliates; 6) that the Business entity and I, personally and in my individual capacity, will each be liable for all charges, fees and finance charges on all of the cards and accounts issued pursuant to this request or any future requests to add additional cards or accounts; and 7) that on behalf of the Business entity and myself, I grant FIA Card Services a security interest and contractual right of offset in and to all deposit accounts now or hereafter maintained by the Business entity and/or me with Bank of America or any of its affiliates to satisfy all liabilities incurred under the Business Card Agreement.

Annual Percentage Rate (APR) for Purchases 0.0% introductory rate for the first 9 billing cycles from account opening; thereafter, a variable APR currently ranging from 11.24% to 21.24%.
Other APRs
Non-Check Balance Transfers: A variable APR, currently ranging from 11.24% to 21.24%.
Cash Advances and Convenience Checks: A variable APR, currently 24.24%.
Variable Rate Information All APRs (other than your introductory APRs) may vary. They are determined by adding the following margins to the Prime Rate: from 7.99% to 17.99% for Purchases and Non-Check Balance Transfers; Prime + 20.99% for Cash Advances and Convenience Checks.
Annual Fee None
Grace Period for Purchases At least 25 days from ypour statement Closing Date.
Minimum Finance Charge for Purchases $1.00 (unless purchase Average Daily Balance is zero)
Cash Advance Fees 4% of each advance, including Convenience Checks ($10 min). 3% of each advance ($10 min) for Overdraft Protection advances.
Balance Transfer Fee 4% of each Balance Transfer ($10 min).

The non-promotional APR, annual fee and other fees and charges are not guaranteed and are subject to change. We have the right to change your terms, rates and fees at any time, for any reason, in accordance with the Business Card Agreement and applicable law. Cash Advances and Balance Transfers may not be used to pay off or pay down any FIA Card Services account. The Cash Limit assigned will be a percentage of the total Credit Limit assigned; be sure to check what your Cash Limit is before using your account to make cash transactions. We apply the minimum payment to lower APR balances before higher APR balances; amounts in excess of the minimum payment are applied to higher APR balances before lower APR balances.

The APR calculations associated with your Business Credit Card Account vary with the market based on the Prime Rate. All disclosed variable rates are based on the Prime Rate of 3.25% in effect as of 3/31/2014.

Credit is subject to approval. Normal credit standards apply. Typically, accounts are opened within 30 days of the date the application is received. A request by us for more information to assist in making a decision on your application for credit may delay the opening of your account. Credit lines are based on creditworthiness. All persons receive separate account numbers/credit lines.

BALANCE TRANSFERS
If you are a non-profit company or you request your account to be set up for balance in full payment monthly, rather than minimum payments, you will not be eligible for Balance Transfer promotions and may be excluded from receiving Balance Transfer checks. We reserve the right to decline to process any Balance Transfer for any reason. If you have a dispute with a creditor and pay that balance by transferring it to your new Business Card Account, you may lose certain dispute rights. By making a Balance Transfer, you understand that future minimum payments will be applied to promotional offers (which are normally at a lower interest rate) prior to any existing or new regular balances on the account. It will take 3-4 weeks to process your request. Therefore, you will still need to make payments on your other accounts to keep them current until your request is complete. Balance Transfer requests will be processed in the order provided. We will make the maximum possible partial payment. Partial payment will not be made on more than one account. Finance charges (if and where applicable) accrue daily from the transaction date until the date each Balance Transfer is completely repaid according to the payment allocation method then in effect. SB.BT.0613.rev2

These disclosures were accurate as of 3/31/2014. The information may have changed after that date. To find out what may have changed you may contact us by writing to Bank of America, P.O. Box 53137, Phoenix, AZ 85072-3137. SB.AcurAsOf.0613rev4

You must be over 18 years of age and be an Owner/Authorized Officer of the business to apply.

SUMMARY OF WORLDPOINTS REWARDS FOR BUSINESS PROGRAM RULES
Earn 1 point per dollar of new net retail purchases charged to your credit card with WorldPoints Rewards. Balance transfers, cash advances of any kind including purchases of money orders or other cash equivalents, finance charges, credit insurance, credit protection, or debt cancellation charges, any other fees and charges and unauthorized/fraudulent transactions do not earn points. Points have no cash value except as described in connection with cash rewards, and are valid for 5 years. Points may be redeemed for travel, gift card/certificates and cash. Rewards subject to availability. No yearly limit: to qualify, account must have active charging privileges. Unless authorized by us, points and rewards may not be combined with discounts or other programs, including airline or credit card programs, in the U.S. or abroad. Points may not be brokered, bartered, attached, pledged, gifted, sold, or transferred to anyone else under any circumstances, including, but not limited to: disability, death, upon operation of law, or in connection with any domestic relations dispute and/or legal proceeding. FIA Card Services, N.A. manages the Cash Rewards portion of the Program. An independent third party travel agency manages the Travel Rewards portion of the Program. An independent third party manages the gift card and certificate Rewards portion of the Program. We are not responsible for errors or omissions in any Program document. We may change or terminate the Program at any time. Program void where prohibited by law. For more information visit www.bankofamerica.com/ worldpoints. Details accompany new account materials.