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EMEA CommercialCard CardholderReference GuideNAVIGATION TO OTHERREGIONSUS Cardholder GuideCanada Cardholder GuideAPAC Cardholder GuideLatAm Cardholder GuideNAVIGATION TOTRANSLATED GUIDESWelcome to the EMEA Commercial Card Reference GuideWe appreciate your business as a Bank of America Cardholder. This online guide will provide you with valuable userinformation any time you need it. We recommend you bookmark this guide for ongoing reference to the most currentcontact information in each EMEA country.For specific card product information by country and product type, please click on the corresponding country and producttype below.Click on map below for EMEA card product detailsFrenchGermanItalianSpanishClick to view your Data PrivacyNotice in your language ofchoice“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, other commercial banking activities, and tradingin certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Trading in securities and financial instruments, andstrategic advisory, and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States,BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc.and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed.EMEA Cardholder Reference Guide 1 2019 Bank of America Corporation. All rights reserved. ARRB8GSV

BofA EMEA Corporate CardWelcome to the Bank of America Corporate CardThe Bank of America Corporate Card is designed to efficiently manage your business Travel and Entertainment (T&E) expenses,providing a comprehensive set of benefits and an exceptional level of service that you expect and deserve.Enjoy your card features anytime, anywhere Unparalleled global acceptance Enhanced security via Chip & PIN technology Added convenience with contactless technology Zero liability for fraudulent purchases made with your card1 Comprehensive insurance coverage Access to our 24/7 Global Card Services TeamNAVIGATIONBack to Home PageKey Contact InformationGlobal Card Services: International Free phone: 00800 0456 7890 International Direct Dial: 44 (0)207 839 1481Support is available in English, French, German, Italian and SpanishGlobal Reporting and Account Management (GRAM) If your company has allowed you access, your statements will be available online through GRAM You will need your company registration code (this will be provided by your Programme Administrator) Your self-selected User ID and password is case sensitiveCardholder General Information and Benefits Detail Using Your Contactless Card Global Card Access – website to register your card and retrieve your PIN Contactless Guide Data Privacy Notice Global Insurance Benefits Matrix1. Bank of America will assume the financial liability for all external fraud if you, a Participant or Cardholder, has not authorized or participated in the specific Transaction. If any transactions post to your account thatyou did not authorize, please contact Bank of America Global Card Services immediately. Other conditions may apply.EMEA Cardholder Reference Guide 2

BofA EMEA Corporate Travel AccountWelcome to the Bank of America Corporate Travel Account Optimise control over business travel expenses – Manage travel expenses of infrequent travellers/consultants/job candidates. Increase visibility of business travel spend through enhanced reporting – Obtain meaningful reports with travel custom fieldsNAVIGATIONBack to Home Page (department code, employee ID etc)Negotiate better discounts by consolidating suppliersDrive T&E policy compliance through preferred supplier selection (via Travel Management Company)Enjoy your card features anytime, anywhere Unparalleled global acceptance Enhanced security via Chip & PIN technology Added convenience with contactless technology Zero liability for fraudulent purchases made with your card1 Comprehensive insurance coverage Access to our 24/7 Global Card Services TeamKey Contact InformationGlobal Card Services: International Free phone: 00800 0456 7890 International Direct Dial: 44 (0)207 839 1481Support is available in English, French, German, Italian and SpanishGlobal Reporting and Account Management (GRAM) If your company has allowed you access, your statements will be available online through GRAM You will need your company registration code (this will be provided by your Programme Administrator) Your self-selected User ID and password is case sensitiveCardholder General Information and Benefits Detail Using Your Contactless Card Global Card Access – website to register your card and retrieve your PIN Contactless Guide Data Privacy Notice Global Insurance Benefits Matrix1. Bank of America will assume the financial liability for all external fraud if you, a Participant or Cardholder, has not authorized or participated in the specific Transaction. If any transactions post to your account thatyou did not authorize, please contact Bank of America Global Card Services immediately. Other conditions may apply.EMEA Cardholder Reference Guide 3

BofA EMEA Purchasing CardWelcome to the Bank of America Purchasing CardThe Bank of America Purchasing Card provides you with comprehensive control of your procurement process, providing a robustpayment solution to purchase all of your business goods and services.Enjoy your card features anytime, anywhereNAVIGATIONBack to Home Page Unparalleled global acceptance Enhanced security via Chip & PIN technology Added convenience with contactless technology Zero liability for fraudulent purchases made with your card1 Access to our 24/7 Global Card Services Team Enhanced Controls – Merchant Category Code (MCC) blocking, transaction and limit controls etc.Key Contact InformationGlobal Card Services: International Free phone: 00800 0456 7890 International Direct Dial: 44 (0)207 839 1481Support is available in English, French, German, Italian and SpanishGlobal Reporting and Account Management (GRAM) If your company has allowed you access, your statements will be available online through GRAM You will need your company registration code (this will be provided by your Programme Administrator) Your self-selected User ID and password is case sensitiveCardholder General Information and Benefits Detail Using Your Contactless Card Global Card Access – website to register your card and retrieve your PIN Contactless Guide Data Privacy Notice Global Insurance Benefits Matrix1. Bank of America will assume the financial liability for all external fraud if you, a Participant or Cardholder, has not authorized or participated in the specific Transaction. If any transactions post to your account thatyou did not authorize, please contact Bank of America Global Card Services immediately. Other conditions may apply.EMEA Cardholder Reference Guide 4

South Africa Corporate Card & Corporate Travel CardIssued by Standard BankWelcome to the South Africa Corporate Card & Corporate Travel CardStandard Bank’s Corporate Card division will provide clients with a complete travel management payment solution in South Africa.Standard Bank will manage all the financial aspects and requirements of business through a complete range of cards, including:NAVIGATIONBack to Home Page Travel Lodge Card Foreign Exchange Lodge Card Garage Card Procurement Card Aviation Card Individual CardsKey Contact Information Corporate Card Priority Line: 0860 999 002 Email: corporatecardpriority@standardbank.co.zaCardholder General Information and Benefits Detail If your company has allowed you access, your statements will be available online through GRAM Global Insurance Benefits MatrixEMEA Cardholder Reference Guide 5

UAE Corporate Card & Purchasing CardIssued by Abu Dhabi Commercial BankWelcome to the UAE Corporate Card & Purchasing CardADCB Commercial Cards offer a variety of features and benefits, all designed to meet varied employee expense needs. ADCBoffer a range of commercial cards including: Corporate Exclusive Card – Designed for the needs of senior level employees, with additional lifestyle benefits providedby ADCB.NAVIGATIONBack to Home Page Corporate Card – Ideal for general staff, enabling you to manage all travel and entertainment expenses. Purchasing Card – Enabling purchase managers and others to coordinate everyday business purchases.ADCB’s cards are packed with useful features to truly become an asset for your business. Your organisation can consolidatetravel, entertainment and other business expenses onto a single payment instrument – reducing the need for cash advances,simplifying expense reconciliation, and enabling better budget control.Key Contact Information Cardholder Services: 800 8008 or 800 2030Cardholder General Information and Benefits Detail If your company has allowed you access, your statements will be available online through GRAM Global Insurance Benefits MatrixEMEA Cardholder Reference Guide 6

BofA Cardholder InformationContactless OverviewNewly issued Bank of America card is contactless enabled. Contactless technology allows you to make fast payments, withenhanced security, without entering your PIN. For security reasons, you will need to make one Chip and PIN transaction before youcan use your contactless card. From time to time, when making a contactless transaction you will be asked to insert your card andenter your PIN for additional security.NAVIGATIONContactless GuideBack to Product PagePlease review our contactless guide at www.bankofamerica.com/contactless. This document helps you understand the basics ofusing the Bank of America contactless card and aims to answer key questions you may have about contactless.Back to Home PageChip & PIN GuideFor additional information regarding Chip & PIN functionality, please see the helpful Chip & PIN Guide:Chip & PIN GuideOnline PIN CheckSouth Africa and UAE cardholders will not receive PIN Mailers. For access and ongoing reference to your PIN, visit the Online PINCheck website at bankofamerica.com/globalcardaccessOne-time registration is required to create a username and password, using the following information: Account Number Expiration Date Verification ID Name on Card Security Code (CVV)Please note the following during registration: Type your name exactly as it is on the card Enter your credit limit without punctuation or special characters (numbers only) e.g. 3000 Your self-selected User ID and Password is case sensitive and must contains numbers and letters only. The User ID must startwith a letterPlease note that the PIN cannot be changed. Please memorize your PIN and keep it safe. Do not keep your PIN with your card.Additional information about the Online PIN Check site can be located within the following User Guide:PIN Check User GuideEMEA Cardholder Reference Guide 7