Cash Rewards for Business Program Rules

Cash Rewards for Business Program Rules It s simple: Cash back on every purchase. Use your Card for everyday business spending and put your purchases to work for you and redeem for cash back. All Cards We issue to your Company are enrolled automatically. Earnings will be based on how you Accumulate Cash Rewards. Rewards at a glance: Base Earn Bonus Earn Earn Base Cash Rewards of 1% of all Net Purchases Earn 2% at eligible restaurants* Earn 3% at eligible gas stations and office supply stores** Redeem Cash Back Redemptions start at $25 Rewards Expiration Forfeiture As long as your Account remains in good standing, Cash Rewards do not expire Cash Rewards are forfeited if Account is closed by Cardholder or by Us * See page 3 for details. ** Up to $250,000 in annual spend. See Page 3 for details. Learn more about: Earning Rewards page 2 Redemption to a Bank of America Deposit Account page 7 Redemption to a Merrill Lynch Cash Management Account page 7 Redemption for Statement Credits page 8 Redemption for Checks page 8 The following Program Rules provide what you need to know about the Cash Rewards program. Please review this document and keep it for reference. If We make any changes to the Program, We ll let you know on bankofamerica.com/business or by mail. bankofamerica.com/business

Page 1 Basic terms and definitions Account An Account may include one or more business credit cards ( Card(s) ) issued in connection with the Account that are eligible to earn Cash Rewards. The Cash Rewards earned by all of the Cards will accrue at the Company level, unless otherwise directed by the primary Guarantor or the Authorized Contact. A diversion account, which diverts transactions to an alternate account based on merchant category codes (MCCs) and transaction categories (TCATs), will not earn Cash Rewards. A bearer Card, which is a companion card that is used to post travel and expense transactions, will earn Cash Rewards, but the Cash Rewards will accrue at the Company level Account in Good Standing The Company or Guarantor must have an Account that is open and has charging privileges, in order to earn Cash Rewards Accumulate Cash Rewards Cash Rewards accrue at the Company level or if the Company so indicates, at the Individual level instead. All Cash Rewards earned by the Cards will accrue to the Company unless the Company designates otherwise Base Cash Rewards The number of Cash Rewards you will earn with each purchase Billing Cycle The period of time between monthly bills or billing statements, as defined in your Business Card Agreement Bonus Cash Rewards The additional Cash Rewards you can earn with certain purchases. Details concerning Bonus Cash Rewards to be earned are set forth as part of the terms of particular bonus offers Card Cash Rewards for Business MasterCard, Visa or Visa Signature credit card Cardholder (also referred to as you ) You or your(s) means the Company, the Guarantors, Authorized Contact and/or the Cardholders (if the Cardholders are designated to accrue rewards) under a Cash Rewards for Business credit card account ( Account ). A Guarantor and/or Authorized Contact may, but need not, be a Cardholder Cash Rewards Cash Rewards are issued in U.S. dollars as, at the Cardholder s choosing, (i) a statement credit, (ii) an electronic ACH deposit into a checking or savings account with Bank of America, N.A. ( Bank of America Deposit Account ), (iii) a contribution to an eligible Cash Management Account with Merrill Lynch, including a Working Capital Management Account (WCMA ), or (iv) a check Company Level Earning All Cash Rewards earned on Cards roll-up at the Corporate account level

Page 2 Customer Service The call center that provides Program information; you can call the number on the back of your Card Eligible Account Checking or savings Account with Bank of America, N.A. ( Bank of America Deposit Account ); Cash Management Account with Merrill Lynch. Eligible Accounts are determined by Bank of America, N.A. Guarantor/Owner and Authorized Contact The Guarantor may identify to Us an individual who shall be an Authorized Contact to perform certain functions on behalf of the Company as described in these Program Rules Individual Level Earning Rewards earned on each Card will accumulate at each individual account Net Purchases The amount of purchases less any credits, returns and adjustments Program The Bank of America Cash Rewards for Business 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 Business Card Agreement provided with your credit card Site The Program website at bankofamerica.com/business We/Us/Our Bank of America, N.A., the administrator and issuer of the Program How do I earn Rewards? There s no limit to how much Cash Rewards you can earn. Companies that apply for and receive Cash Rewards for Business credit card(s) are automatically enrolled in the Cash Rewards for Business Program (the Program ). All Cash Rewards earned by the Cards will accrue to the Company unless the Company designates otherwise. Cash Rewards can be accumulated either at the Company level or at the Individual level. A Guarantor or Authorized Contact may direct Us to change the accumulation level from Company level to Individual level or from Individual level to Company level. If such a change is directed, it will only affect Cash Rewards that are earned after the date of the change. Cash Rewards earnings are based on the new Net Purchases charged to the Card daily. Cash Rewards are calculated at each transaction. Transactions resulting in fractions of Cash Rewards will be rounded up to the nearest whole cent if equal to or greater than $0.0050 and rounded down if less than $0.0050. You earn Base Cash Rewards of 1% of new Net Purchases.

Page 3 You earn a total of 2% cash back (equal to $0.02, consisting of 1% Bonus Cash Rewards and 1% Base Cash Rewards) for every $1 spent on new Net Purchases made at any eligible participating Restaurants (MCC codes 5812, 5813 and 5814), which are: restaurants and quick service restaurants (fast food), bars, taverns, lounges and discos, but do not include merchants that are bakeries, coffee shops, grocery stores, and other miscellaneous food stores that may operate a restaurant inside their premises. A Purchase qualifies for the bonus based on the merchant category code (MCC) assigned to the merchant. We do not determine which MCC a merchant is assigned. Merchants are assigned a MCC based on the merchant bank s understanding of the merchant s business, which is information usually provided by the merchant. We group similar MCCs into purchase categories to offer bonus rewards to you. Purchases processed through merchants that do not process transactions under the eligible MCC and purchases processed through third-party payment accounts may not qualify to receive bonus rewards. For each qualifying retail purchase you will receive 3% cash back of the new Net Purchase at participating Gas Stations (MCC codes 5541 and 5542) that primarily sell fuel for consumer use and may or may not have a convenience store, car wash, or automotive repair shop on the premises, and include merchants that process credit card transactions by requiring customers to present the Card to an attendant and sign a sales draft or enabling Cardholders to purchase fuel by completing the transaction at the pump; Office Supply Stores (MCC code 5111 and 5943) wholesale distributors of stationery, office supplies, and printing and writing paper, but do not include variety, department, discount warehouse, or drugstores that may sell office supplies, and do not include merchants that sell large or high-priced office equipment such as computers or desk units. The 3% cash back consists of your base rate of 1% of new Net Purchases plus a bonus of 2%. A purchase qualifies for the bonus based on the merchant category code (MCC) assigned to the merchant. We do not determine which MCC a merchant is assigned. Merchants are assigned an MCC based on the merchant bank s understanding of the merchant s business, which is information usually provided by the merchant. We group similar MCCs into purchase categories to offer bonus rewards to you. Purchases processed through merchants that do not process transactions under the eligible MCC and purchases processed through third-party payment accounts may not qualify to receive bonus

Page 4 rewards. There is an annual cap of $250,000 on rewards earned at the rate of 3% at gas stations and office supply stores; any such purchases over $250,000 will earn the base rate of 1%. Purchases made at a merchant that does not process transactions under these codes will not qualify and you will not receive the Bonus Cash Rewards. You will earn Base Cash Rewards of 1% for Net Purchases in excess of $250,000 annually in the Gas Stations and Office supplies stores in the bonus categories. Cash Rewards are subject to verification. From time to time, special promotions may feature Bonus Cash Rewards; details will accompany the offer. If this Company is eligible for Bonus Rewards, there will be one award at the Company level or as otherwise provided in a separate communication. A Company is entitled to only one award of Bonus Rewards, i.e., either at the Company level or at the Individual level, but not both. This Program is not eligible for the Preferred Rewards program. Additional restrictions may apply. Visit the Site or refer to your monthly statement to see how much Cash Rewards you ve earned. Transactions not eligible for Cash Rewards You won t earn Cash Rewards for: Cash Advances of any kind Balance Transfers, and Quasi-Cash transactions of any kind Finance charges, and any other fees and charges, all as defined in the Business Card Agreement Online payments made through Bill Pay Choice Fraudulent transactions, including those made with a lost, stolen, canceled, or fraudulent Card What you need to know For new customers, accrual of Cash Rewards may begin on the date We mail the Card and the Business Card Agreement to you. If you are an existing credit card customer and your Account is converted to the Program, you may not earn Cash Rewards until the first day of the Billing Cycle, beginning after you receive the Card(s). A Guarantor or Authorized Contact may transfer Cash Rewards from any Card to the Company or to a Guarantor s Card. A fee may apply.

Page 5 How do I redeem my Rewards? Go to bankofamerica.com/business, or call the number listed on the back of your Card. What you need to know Cash Rewards are available for redemption as soon as they are earned. Cash Rewards cannot be redeemed if the Account is not in good standing, or is closed, at the time of redemption. Cash Rewards accrued during any Billing Cycle in which the Account is two cycles or greater past due at the end of the Billing Cycle will not be awarded. If your Account loses charging privileges but regains its good standing before the point of Account closure, your Cash Rewards will be available for redemption once the charging privileges are restored. If you voluntarily close the Account or if We close or restrict the Card Account for any reason, or you terminate participation in the Program, or you violate the Program Rules, or you convert your Card Account to another Account that is not eligible for the Program, you will no longer earn or redeem Cash Rewards and all unused Cash Rewards will be immediately and irrevocably forfeited. However, if your Card Account is closed because the Card was reported as lost or stolen (subject to verification), and a new Card Account is opened for you, We will transfer any existing Cash Rewards from your old Card to the new Card. All redemptions are final once processed. Cash Rewards are non-negotiable, and cannot be redeemed for any benefit except those Cash Rewards designated by Us. Cash Rewards are not the property of any Cardholder or other person, and may not be brokered; bartered; attached; pledged; gifted; sold; or unless specifically Authorized by Us. We shall have no liability for disagreements between Cardholders or Guarantors regarding Cash Rewards. Unless specifically Authorized by Us, Cash Rewards may not be combined with other discounts, special rates, promotions or other reward programs offered by Us. Unless specifically Authorized by Us, Cash Rewards cannot be transferred between any credit card Accounts issued by Us. Cash Rewards may not be combined with any other entity, including airline frequent flier, hotel frequent guest or other travel-related or membership reward charge or credit card programs, whether in the U.S. or abroad.

Page 6 Expiration date for Rewards There is no expiration date on your Cash Rewards, as long as your Account remains in good standing. Redemption of Cash Rewards You can redeem Cash Rewards in U.S. dollars starting at a minimum of $25. You can request an electronic deposit to a Bank of America Deposit Account; a contribution to an eligible Merrill Lynch Cash Management Account, including Working Capital Management Accounts (WCMA ); a statement credit; or a check. We deduct the Cash Rewards you redeem from your Cash Rewards balance on the date you request a redemption. Either you, as the Cardholder, Guarantor/Owner or any Authorized Contact may request to redeem Cash Rewards. Employees can redeem if Cash Rewards are at the individual Card level. We have no liability for fulfilling Cash Reward requests in good faith in response to any person claiming authority on your behalf. Once We issue a Cash Reward, if any transaction contributing to the value of that Cash Reward is refunded or credited, or otherwise rescinded, We may, at Our discretion, reverse a statement credit to your Card, stop payment on any check, and/or withhold subsequent Cash Rewards, or collect any amount you owe, in any appropriate manner. This includes, but is not limited to, the posting of an equivalent dollar debit in the form of a cash advance transaction to your Card. Automatic Redemption To set up automatic redemption, go to bankofamerica.com/business or call the number on the back of your Card to designate an Eligible Account that is open and funded (a Linked Account ). Once you have designated a Linked Account, if your Card is open with active charging privileges and if you have earned at least $25 in Cash Rewards, We will initiate an electronic transfer to the Linked Account at the end of each calendar month during the month the minimum $25 has been met. We will make the deposit to the Linked Account in U.S. dollars equal to the Cash Reward earned and will deduct that amount from your Cash Rewards balance. You can turn off automatic redemption any time through the rewards Site or by telephone. If you do, you will need to request any future Cash Rewards.

Page 7 Redemption for Electronic Deposit to an eligible Bank of America Deposit Account When you redeem for an electronic deposit into a Bank of America Deposit Account, We will send it to the Account you have indicated within fifteen (15) business days of your request. If an electronic deposit is rejected for any reason, We will void the deposit and reinstate the Cash Rewards to your Account. If your Account is closed before the Cash Rewards can be reinstated, you will forfeit your Cash Rewards (except if your Card has been reported as lost or stolen, subject to verification). If an electronic transfer is rejected, We will notify you within fifteen (15) business days of your request at the email address on file. Redemption for Contributions to an eligible Merrill Lynch Cash Management Account You can redeem Cash Rewards for contributions to an eligible Merrill Lynch Cash Management Account ( CMA ). To complete your redemption, you must provide your CMA number and your authorization to send the Cash Reward electronically through the Automated Clearinghouse System (ACH). Once processed, your contribution will be deposited into your CMA within fourteen (14) business days of the redemption. Your Cash Rewards are considered fully redeemed once an ACH deposit is made to your CMA. We aren t responsible for undelivered ACH deposits, and substitute ACH deposits won t be made available. Once an ACH deposit is complete and the value of any transaction(s) forming all or part of the Cash Rewards used to get the ACH deposit is refunded, credited or otherwise rescinded, We may, at Our discretion: Stop payment on the ACH deposit. Withhold subsequent Cash Rewards. Collect any amount you owe, in any appropriate manner. This includes, but is not limited to, the posting of an equivalent dollar debit in the form of a cash advance transaction to your Card.

Page 8 Redemption for Statement Credits Cash Rewards redeemed for a statement credit to your Card will post to your Account within thirty (30) business days of the date of redemption. Statement credits will generally be applied to your existing balance with the highest priced Annual Percentage Rate (APR). If you receive a statement credit, you are still responsible for paying your Total Minimum Payment shown on each Statement you receive from Us. If your Card is closed before the statement credit posts to the Account, you will forfeit your Cash Rewards (except if your Card has been reported as lost or stolen, subject to verification). Redemption for Checks A Guarantor, Authorized Contact, or the Cardholder may redeem and/or transfer Cash Rewards accumulated on the Cardholder s Card. A Guarantor or an Authorized Contact may redeem and/or transfer Cash Rewards accumulated at the Company level. A Cash Rewards redemption shall be issued in the form of a check for a pre-determined U.S. dollar sum. Cash Rewards are fully redeemed once a check has been issued and mailed to you. Redeemed Cash Rewards are deducted from your Cash Rewards balance as of the date you request a Cash Rewards redemption. Cash Rewards checks are not issued automatically. Checks will be issued only upon request of the Cardholder, Guarantor, or Authorized Contact. The check will be made payable to (1) the Company, for Cash Rewards accumulated at the Company level, or (2) the Cardholder, for Cash Rewards accumulated at the Individual level. Each check is mailed to the payee s billing address via first-class U.S. mail within fourteen (14) business days of receipt of the request. Requests for multiple checks are processed and mailed separately. Each check will be valid for ninety (90) days from its date of issue. The expiration date will appear on the check. A check that is not presented for payment before the expiration date will be void and the Cash Rewards check amount will then be awarded as a statement credit posting to the applicable Account, if active, within two Billing Cycles following the expiration date. There is no yearly limit to the number of checks you may receive. Cardholders must notify Customer Service within ninety

Page 9 (90) days of initial check request to report non-receipt of a Cash Rewards check. Once a Cash Rewards check is issued and the value of any transaction(s) forming part of any or all of the Cash Rewards used to obtain the Cash Rewards check is either refunded, credited, or otherwise rescinded, We may, at Our discretion, stop payment on any check(s) and/or withhold subsequent Cash Rewards, or collect any amount(s) you owe, in any appropriate manner, including, but not limited to, the posting of an equivalent dollar debit in the form of a cash advance transaction to your Card. Checks can only be sent within the 50 United States and U.S. territories. We are not responsible for lost, stolen, or undelivered checks. Requests for multiple checks are processed and mailed separately. Checks are valid for ninety (90) days from date of issue. An expiration date will appear on each check. We will void any check that is not presented for payment before the expiration date. In such cases, We will award the Cash Rewards as a statement credit posting to your Card within two Billing Cycles following the expiration date. This will appear on your Account as a retail credit adjustment. If your Card is closed before a check is drawn, you will forfeit your Cash Rewards (except if your Card has been reported as lost or stolen, subject to verification). There is no limit to the number of checks you can receive. Additional Terms Program changes Changes to the Program and the Program Rules may occur from time to time. When any change is made, We ll post revisions on the Site. In some cases, We may notify you of changes by mail. However, it s your responsibility to review the Site or any correspondence to stay aware of any changes. We may choose to: Discontinue or replace any type of Cash Reward with a similar one of lesser, equal or greater value. Change any part of the Program or Program Rules. Terminate the Program, or discontinue your participation in it for any reason. For example, We may disqualify you from earning and redeeming Cash Rewards if We find that you or someone else used your Account in a way that breaks the Program Rules.

Page 10 Changes may also affect outstanding transactions and Cash Rewards, including, but not limited to: The earnings rate for Cash Rewards The types of transactions that qualify for Cash Rewards The type or value of Cash Rewards The minimum amount of Cash Rewards required for redemption The Program is not scheduled to end on a predetermined date. Disputes regarding Rewards Discrepancies about Cash Rewards are not treated as credit card billing disputes. Please refer to your Business Card Agreement for details about billing disputes. For additional information on disputes regarding earned Cash Rewards, call the number listed on the back of your Card. All decisions regarding Cash Rewards disputes shall be final. Refunds on credit card transactions If you earn Cash Rewards with a credit card transaction that is later refunded and you redeem the Cash Rewards, We may: Stop payment on any checks Withhold subsequent Cash Rewards Collect any amounts you owe; this may include charging an equivalent dollar amount to your Card (in the form of a Bank Cash Advance) Program administration Bank of America, N.A. manages the Program. Bank of America, N.A. is the exclusive issuer and administrator of this Program. General liability The Bank of America Cash Rewards for Business credit card is separate and distinct from any Accounts you may have with Bank of America and its affiliates. Approval of this Business card Account does not mean that any other Account will be established for you. You agree to release Bank of America, N.A., and any of its affiliates from all liability, including: Any loss, claim, expense or damages you experience in connection with Cash Rewards. If at all, the sole extent of any liability will not exceed the actual value of the Cash Reward. Any claims, expenses and legal fees arising from or related to any violation of the Program Rules by you or anyone using your Card Account.

Page 11 Any typographical errors or omissions in any Programrelated document. Delayed or lost correspondence sent by U.S. mail or any other form of delivery, including email. Any error, omission, interruption, deletion, defect, delay in operation or transmission, theft, destruction or unauthorized access to, or alteration of Cash Rewards accrued and redeemed or other Program activities. By Our furnishing a copy of these Program Rules to the Company, any Guarantor, or any Cardholder, the Program Rules are deemed disclosed to all Guarantors, Cardholders, and the Authorized Contact of the Company. Cash Rewards may constitute taxable income to you and you are responsible for any tax liability that may arise from receiving Cash Rewards. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of Cash Rewards. Please consult your tax advisor, as neither We, nor Our affiliates, provide tax advice. All aspects of the Program are governed by the laws of the State of North Carolina. In states that don t allow the disclaimer of warranties or exclusion of liability, the above limitations may not apply. For information about Our rights and your responsibilities regarding the online portion of the Program, see the Terms of Use at the Site. Service marks and trademarks Bill Pay Choice, Merrill Lynch, Merrill Lynch Cash Management Account, CMA, Working Capital Management Account, WCMA, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation. 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. MasterCard is a registered trademark of MasterCard International Incorporated and is used by the issuer pursuant to license. 2017 Bank of America Corporation To learn more about Bank of America s environmental goals and initiatives, go to bankofamerica.com/environment. Leaf icon is a registered trademark of Bank of America Corporation. <AADCBACDABCDBAA> 0793-REV 02/17 046436 CCI-09-16-0389.A