Credit Protection Plus™

Get relief from your Bank of America credit card payments when you need it most.

Credit Protection Plus™ provides an important safety net that can cover your Bank of America credit card bill when times get tough.

With optional Credit Protection Plus™, you have a plan that cancels—rather than defers—your minimum monthly payments during certain protected life events.

Your charging privileges can continue while you are receiving benefits.

Benefits

Cancels up to 18 monthly paymentsFootnote 1 for each of the following events: Involuntary Job Loss Hospitalization & Disability Family Leave of Absence Cancels up to 3 monthly paymentsFootnote 1 for 2 of the following events per year: Moving Marriage Divorce Childbirth or Adoption College RetirementFootnote 2 Cancels up to $25,000 of outstanding balance for: Loss of Life

Bonus: credit report with credit scores at no additional costFootnote 3 Receive your personal credit report with credit scores at no additional cost. You should review the accuracy of your credit information to protect your credit standing and to safeguard against identity theft.

Affordable, Convenient Protection

Your monthly protection fee, which is conveniently billed to your Bank of America credit card, is just 95¢ for every $100 of the plan balance shown on your monthly credit card statement.

• Optional Product: Your purchase of Credit Protection Plus™ is optional. Whether or not you purchase Credit Protection Plus™ will not affect your application for credit or the terms of any existing credit agreement you have with Bank of America.

• Additional Disclosures: Additional information will be provided to you before you are required to pay for Credit Protection Plus™. This information will include a copy of the Addendum to the Cardholder Agreement, which is the contract containing the terms of Credit Protection Plus™.

• Eligibility Requirements, Conditions and Exclusions: There are eligibility requirements, conditions and exclusions that may prevent you from receiving benefits under Credit Protection Plus™. Carefully read the Addendum for a full explanation of the terms of Credit Protection Plus™.

• Termination: You may cancel Credit Protection Plus™ at any time. If you cancel Credit Protection Plus™ during the first 30 days after the date your protection begins, all protection fees billed to your account will be refunded via a credit to the protected card.

Footnote 1 Monthly benefit amount is designed to make the required minimum monthly payment on your Bank of America credit card account, but may not be sufficient in all cases.

Footnote 2 Retirement benefits can only be granted one time.

Footnote 3 Bank of America has contracted with Intersections Inc. (Intersections) to provide you up to 2 full summary credit reports with credit scores each year and access to a team of highly trained identity theft specialists who, at no aditional cost, can help you understand your credit and fight fraud when identity theft occurs. Intersections Inc. is not affiliated with Bank of America. Refer to your Credit Protection Plus™ welcome package for instructions on how to access these services.

Footnote 4 The plan administrator is CSI Processing, LLC, at Credit Protection Plus, P.O. Box 34888, Omaha, NE 68134-0388.

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