Assignment on Swift Service

Swift Service:

Society for Worldwide Inter-Bank Financial Telecommunication (SWIFT) is a bank owned co-operative serving the financial community worldwide. The SWIFT Transport Network (STN) is a dedicated global network for secure communication between SWIFT Customers.

SWIFT supports the financial data communication and processing needs of financial institutions, through a range of financial messaging services and value-added processing, as well as, access through the STN and interface and application software. In short SWIFT is a pioneer in the automation of the global financial industries.

Islami Bank Bangladesh Limited has introduced this SWIFT alliance entry system firstly in October 1999 and introduced SWIFT alliance access in October 2001.

1. General Description of Online Banking and Transfers Outside Bank of America Service Agreement

A. What This Agreement Covers

This Agreement between you and Bank of America, N.A (Bank of America) governs the use of Online Banking services and the Transfers Outside Bank of America service. These services permit Bank of America customers (consumers, sole proprietors and other business customers) to perform a number of banking functions on accounts linked to the service through the use of a personal computer, including some credit card accounts and investment accounts with our affiliates, FIA Card Services, N.A., and Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”), respectively. Unless indicated otherwise by the context, “linked Bank of America accounts” or “linked accounts” refers to all of your accounts with Bank of America or its affiliates that you have linked to Online Banking or Transfers Outside Bank of America.

B. Accepting the Agreement

When you use any of the Online Banking services described in this Agreement or Transfers Outside Bank of America, or authorize others to use them, you agree to the terms and conditions of the entire Agreement.

C. Relation to Other Agreements

Your use of Online Banking services or Transfers Outside Bank of America may also be affected by the agreements between us for your linked Bank of America accounts. When you link an account to Online Banking services or Transfers Outside Bank of America, you do not change the agreements you already have with us for that account. For example, if you link a MLPF&S investment account to Online Banking, the terms and conditions of your MLPF&S customer agreement(s) and/or user agreement(s) do not change. Similarly, when you use Online Banking services to access a credit account, you do so under the terms and conditions we gave you in the agreement and disclosure for the credit account. You should review those agreements for any applicable fees, for limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Online Banking services or Transfers Outside Bank of America.

2. Online Banking Services

Note: If you access Online Banking or Transfers Outside Bank of America through Personal Financial Management (PFM) software, or another indirect service, all of the features of Online Banking or Transfers Outside Bank of America may not be available, including, but not limited to, bill presentment. To access all of the features and services offered by Online Banking and Transfers Outside Bank of America, sign in directly through our web site at www.bankofamerica.com. Within Online Banking, you can also access optional services such as Bill Payment. Please refer to this Agreement, your applicable account agreement or fee schedule for information on fees for optional services.

A. Online Banking for Consumers and Businesses

You may use Online Banking to:

Transfer funds between your linked Bank of America accounts on either a one-time or recurring basis, including as a payment to a linked installment loan or mortgage.
Transfer funds from your linked Bank of America personal or sole proprietor accounts to most Bank of America personal or sole proprietor deposit accounts of other individuals.
Transfer funds between your linked MLPF&S investment accounts and your linked Bank of America accounts on either a one-time or recurring basis.
View current balance information for your linked Bank of America accounts.
Review available transactions for your linked accounts.
Perform self-service account maintenance such as re-ordering checks, ordering copies of paid checks, requesting copies of monthly checking or saving statements, stopping payment on checks, changing address and phone, and changing your Online ID and Online passcode.
Send us secure online mail messages and questions regarding your Online Banking service.

Some of the above services may not be available for certain accounts or customers.

B. Bill Payment Services

In addition to the Online Banking features listed above, Bank of America customers with eligible deposit accounts may also use the optional Bill Payment service.

If you are a Bank of America customer with a deposit account, you may use the Bill Payment service to:

Make one-time or recurring payments online from your linked checking account(s), and money market deposit account(s) to companies or individuals (Payees) you select.
Make one-time or recurring payments online from your linked Home Equity Line of Credit (HELOC) account(s) to a limited group of merchants (does not apply to HELOC accounts opened in the state of Texas).
Add personal checking or money market account(s) that you maintain at another financial institution through the Add an Account from Another Bank feature in the bill payment service. Make one-time or recurring payments online from such accounts to a limited group of merchants or Bank of America loan or credit card account.
Use the e-Bills feature to:
- Receive bills from participating Payees
- View Payee bill summary and bill detail information.

If you are a Bank of America credit card only customer you may:

Make one time or automatic payments online from a deposit or money market deposit account maintained at another financial institution to your Bank of America credit card(s).
Receive credit card e-Bills from Bank of America and view bill summary and detail information.

C. Email/Mobile Transfer Network Service (All functionality is not yet available for all customers. We will notify you when additional functionality is available for your Email/Mobile Transfer Network Service)

In addition to the Transfer services listed in 2.A above, if you are a Bank of America customer with a personal checking or savings account, you may send person-to-person transfers to another Bank of America customer or a customer of another bank by using a recipient’s email address or mobile phone number. Please note that there are dollar amount and other limits for these transfers that may differ from the other Transfers services, as provided in Section 3.D below.

D. Additional Services Intended for Businesses

We offer businesses the ability to create multiple Online IDs each with the access level you designate. In some circumstances, we also permit you to link the accounts of other businesses you own or control. See Section 7 below for special registration procedures and applicable terms.

E. Online Banking Alerts

We provide automatic General Alerts and voluntary Account Alerts.

Automatic General Alerts are sent to you following important account activities or when certain changes are made online to your Online Banking account, such as a change in your email or home address, telephone number, Online ID or passcode, insufficient funds, or irregular card activity. You do not need to activate these alerts. We automatically activate them for you. Although you may have the option to suppress some of these General Alerts, we strongly recommend that you do not do so since they provide important information related to your online security or account activities.

Voluntary Account Alerts must be activated by you.

Voluntary Account Alerts allow you to choose alert messages for your accounts. We may add new alerts from time to time, or cancel old alerts. If you have opted to receive a voluntary Account Alert that is being canceled, we will notify you at least 30 days in advance.
Each alert has different options available, and you will be asked to select from among these options upon activation of your alerts service.

Both automatic General Alerts and voluntary Account Alerts are subject to the following.

We may add new automatic General and voluntary Account Alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so.
Alerts will be sent to the email address you have provided as your primary email address for Online Banking. You can also choose to have alerts sent to a secondary email address, a mobile device that accepts text messages, or a mobile device that can receive our Mobile App Alerts through a push notification system. If your email address or your mobile device’s number changes, you are responsible for informing us of that change. While Bank of America does not charge for the delivery of the Alerts, please be advised that text or data charges or rates may be imposed by your carrier. Changes to your primary and secondary email addresses will apply to all of your Alerts.
You understand and agree that your alerts may be delayed or prevented by a variety of factors. We do our best to provide alerts in a timely manner with accurate information. We neither guarantee the delivery nor the accuracy of the contents of any alert. You also agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance of an alert.
Because alerts are not encrypted, we will never include your passcode or full account number. However, alerts may include your name and some information about your accounts. Depending upon which alerts you select, information such as your account balance or the due date for your credit card payment may be included. Anyone with access to your email will be able to view the contents of these alerts.

F. ShopSafe^®

We provide the ShopSafe^® service to allow you to create a unique, temporary credit card account number for online purchases at a specified merchant. The number links to the real credit card number, but keeps that number private and protected. The 16-digit ShopSafe number is used just like any other credit card account number.

ShopSafe allows you to set a dollar limit for purchases at a specified merchant. When we consider it appropriate, we may permit charges in addition to your preset dollar limit to allow for shipping, handling and taxes, which may not have been taken into consideration at the time of purchase.

3. Description of Online Banking Services (does not apply to Transfers Outside Bank of America)

A. Transfers (does not apply to Email/Mobile Transfers or Transfers Outside Bank of America, except as otherwise provided)

Processing of Transfer Requests
- Transfers can be made in 2 ways, on a 1-time or recurring basis. One-time transfers may be immediate or scheduled for a future date. The recurring transfer feature may be used when a set amount is transferred at regular intervals. For example, a $100 transfer from a checking to a savings account which occurs every 2 weeks.
- One-time immediate transfers can be made from a linked Bank of America checking, savings, money market, line of credit, credit card or brokerage account to most linked Bank of America accounts.
- Scheduled and recurring transfers can be made from a linked Bank of America checking, savings, money market, or credit card account to a linked checking or savings account.
- Scheduled and recurring transfers can be made between a linked MLPF&S investment account and a linked Bank of America checking, savings or money market account.
- Transfers can be made from a linked Bank of America personal or sole proprietor checking, savings, money market or line of credit account to most personal or sole proprietor checking, savings, or money market accounts of other Bank of America customers. Military Bank and some other customer accounts, including those with foreign addresses, cannot be set up to receive funds.
- Transfers from a deposit account (excluding investment accounts) are immediately reflected in the account’s available balance. Transfers from a credit card or a line of credit account are immediately reflected in the account’s available credit amount. Transfers from a MLPF&S investment account are immediately reflected in the account’s available balance.
- Scheduled and Recurring Transfers
  - Transfers scheduled for a weekend or a non-bank business day will be processed on the prior bank business day. All other scheduled and recurring transfers will be processed from the funding account at the beginning of the business day requested.
  - Transfers to Credit Accounts
    - Funds transferred as a payment to a credit card, line of credit, installment loan or mortgage account before 11:59 p.m. ET will be credited with the date the payment is submitted. Transfer payments submitted after 11:59 p.m. ET will be credited with the next day’s date. Updates to account balances, funds availability, and transaction posting may take up to 2 bank business days.
    - Transfers to Deposit Accounts
      - Funds transferred to a deposit account (excluding transfers from a credit card) prior to 10:45 p.m. ET on a business day will appear with the same day’s date in the deposit account transaction history.
      - Transfers to a Bank of America checking account made after 10:45 p.m. as described above on a business day but before 11:59 p.m. as shown in the table below will be included in the balance we use to pay transactions that night. This process may impact when fees apply to your account. Credits can help you avoid overdrafts, returned items and related fees. However, debits may cause you to incur overdrafts, returned items and related fees. Please note that although these transfers are included in the balance we use to pay transactions that night, they will appear with our next business day’s date in the deposit account transaction history.

State Where Account Was Opened	After Business Day Cut-Off Transaction Deadline
CA	11:59 p.m. PT
AR, AZ, IA, ID, IL, IN, KS, MI, MO, NM, NV, OK, OR, TX, WA	11:59 p.m. CT
CT, DC, DE, FL, GA, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, TN, VA	11:59 p.m. ET

Please note, transfers to any deposit account on a Saturday, Sunday or bank holiday, will appear with our next business day’s date in the deposit account transaction history.
All transfers submitted to a deposit account (such as checking, savings, money market) are immediately reflected in the account’s available balance.
Transfers to or from MLPF&S Investment Accounts
- Transfers submitted to or from an MLPF&S investment account before the cut-off time of 4:45 p.m. ET on a bank business day are posted to your investment account on the same day. All transfers submitted after the cut-off time or on a non bank business day are posted to your investment account at the beginning of the next bank business day following the day the transfer was submitted.

B. Online Banking Bill Payment Processing

Bank of America customers with a deposit account may use the optional Bill Payment service in the following manner:

Payments can be scheduled from linked checking, money market savings, and HELOC accounts. (Does not apply to HELOC accounts opened in Texas.)
Payments can be scheduled from a personal checking or money market savings account maintained at another financial institution that you have added through the bill payment service. You certify that any account you add through the bill payment service is an account from which you are authorized to make payments, and any payment you make using the bill payment service will debit an account that you are legally authorized to use. When you add an account maintained at another financial institution, you do not change the agreements you have with that financial institution for that account. You should review those agreements for any applicable fees, for limitations on the number of transactions you can make, and for other restrictions that might limit your use of the account with the Bill Payment service.
Payments can be entered as a 1-time transaction up to a year in advance, recurring transactions or as payments that are automatically scheduled upon the receipt of an electronic bill (e-Bill).
Payments (other than payments to a Bank of America credit card account) entered on our system before 5:00 p.m. ET on a bank business day will be scheduled and begin processing on the same bank business day. Payments that are entered after this cut-off time or on a day that is a non-bank business day will be scheduled and processed the next bank business day.
Scheduled recurring payments that fall on a weekend or a non-bank business day will be processed on the prior bank business day.
You authorize us to make payments in the manner we select from the following methods:
- Electronic transmission. Most payments are made by electronic transmission.
- Corporate check- This is a check drawn on our account or the account of our vendor. If a Payee on a corporate check fails to negotiate the check within 90 days, we will stop payment on the check and recredit your account for the amount of the payment. If a corporate check is returned to you prior to the end of the 90 day period, please inform us immediately so that we can stop payment on the check and recredit your account.
- Personal check – This is a check drawn on your account based on your authorization under this Agreement.
- Scheduling Bill Payments
  - The scheduled delivery date is the date you enter for the payment to be delivered to the Payee. For payments made by electronic transmission or corporate check, the payment amount will be debited from, or charged to the account that you designate on the scheduled delivery date. If the scheduled delivery date is a weekend or non-bank business day, then the delivery date will be the prior bank business day. For payments made by personal check, the account you designate will be debited when the check is presented to us for payment which may occur before, on or after the scheduled delivery date.
  - For payments to a Bank of America loan, line of credit, or mortgage, Bank of America will process and credit the payment to the appropriate account effective the same business day, provided the payment is scheduled prior to the 5:00 p.m. ET cut-off.
  - For payments to Bank of America Gold Option and GoldReserve accounts, Bank of America will process and credit the payment to the appropriate account effective the same day, provided the payment is scheduled prior to the 11:59 p.m. ET cut-off.
  - When you attempt to schedule a payment, we will inform you of the earliest available delivery date. To assure timely payment and obtain the full benefit of the Online Banking Guarantee, you must schedule payments and your account must be in good standing at least four (4) bank business days before the payment due date. If you do not, or if for any reason your account is not in good standing, you will be fully responsible for all late fees, interest charges or other action taken by the Payee. If we are unable to complete the payment because of insufficient funds in your account or some other reason, we will send you an alert to the email address you have provided with this Agreement. We will also notify you if your account is no longer in good standing and eligible to be used for bill payments. As indicated above, some payments may be made by a personal check. Since we can’t predict the exact date that a personal check will be presented to us for payment, please make sure you have sufficient funds in your account beginning a few days before your scheduled delivery date and keep such funds available until the payment is deducted from your account.

Bank of America credit card only customers may use the optional Bill Payment service in the following manner:

Payments to your Bank of America credit card account can be scheduled from deposit or money market deposit accounts maintained at another financial institution.
Payments can be entered as a 1-time transaction up to a year in advance, or as payments that are automatically scheduled upon the receipt of an electronic bill (e-Bill).
Payments entered on our system before 11:59 p.m. ET will be applied to your credit card account on the same day. Payments entered after this cut-off will be scheduled and processed on the next bank business day. For all entries, the time is recorded on our computer controls.
The payment date will default to the current bank business day prior to the 11:59 p.m. ET cutoff time.
If the financial institution upon which your payment is drawn rejects, refuses, or returns the payment, the payment to your Bank of America credit card will be reversed and you may incur late payment or other fees. The institution holding your deposit account may impose a returned item or other fee. See your credit card and deposit account agreements for details.

C. Email/Mobile Transfer Network Service (All functionality is not yet available for all customers. We will notify you when additional functionality is available for your Email/Mobile Transfer Network Service)

Description of Service and Consent
Bank of America customers with a personal checking or savings account may send one-time person-to-person transfers to another Bank of America customer or a customer of another bank by using a recipient’s email address or mobile phone number. In order to participate, you must first register through online banking from your desktop or laptop computer. Recipients must also register with Bank of America or another bank participating in the Email/Mobile Transfer Network or with clearXchange, a company that arranges for person to person payments to customers of any U.S. financial institution. Once registered, you may send a money transfer using Online Banking or Mobile Banking by entering the email address or mobile phone number of the recipient. By participating in the Email/Mobile Transfer Network Service, you are representing to us that you are the owner or you have the authority to act on behalf of the owner of the mobile phone number or email address you are using to send or receive messages regarding money transfers. In addition, you are consenting to the receipt of emails or automated text messages from Bank of America, or its agent, regarding the transfers and represent to us that you have obtained the consent of the recipients of your intended transfers to the receipt of such emails or automated text messages.

2. Scheduling Transfers
Once registered, you may make one-time transfers at any time using Online Banking or Mobile Banking by entering the email address or mobile phone number of the recipient. An unregistered recipient must register within 14 days and set up the same email address or mobile phone number that you entered to send them money. If the recipient does not register, set up an email address or mobile number and accept the transfer within 14 days, the transaction will be cancelled. During this period, a hold will be placed on the sender’s account for the amount of the transfer. Once the recipient has successfully enrolled in the Email/Mobile Transfer Network, transfers will automatically be debited from the sender’s account and deposited in the recipient’s account. If the sender and recipient are both Bank of America customers enrolled in the Email/Mobile Transfer Network, transfers will be immediately debited from the sender’s account and reflected in the recipient’s account in accordance with the time frames indicated in Transfers to Deposit Accounts in Section 3.A. If the sender and recipient are both enrolled in the Email/Mobile Transfer Network but are customers of different banks, transfers will be immediately debited from the sender’s account and, if completed by 9:00 p.m. ET, will be delivered to the recipient’s bank within three business days. Bank of America is not responsible for any failure of another bank to timely credit its customer’s account.

You acknowledge and agree that payment transfers will be completed using only the email address or mobile phone number you enter even if it identifies a person different from your intended recipient. The name you enter will help you identify your intended recipient in the drop down menu and your transaction history but will not be used to process payments. Please make sure you accurately enter the recipient’s email address or mobile phone number since your obligation to pay for the transfer will not be excused by an error in the information you enter.

Transfer Instructions relating to external accounts and the transmission and issuance of data related to such Instructions shall be received pursuant to the terms of this Agreement and the rules of the National Automated Clearing House Association (“NACHA”) and the applicable automated clearing house (“Regional ACH”) (collectively, the “Rules”) and you and we agree to be bound by such Rules as in effect from time to time. In accordance with such Rules, any credit to an account shall be provisional until such credit has been finally settled by us or the third party institution which holds the account.

3. Fees
There is no fee for sending or receiving a transfer under the Email/Mobile Transfer Service. Please note that your mobile carrier may charge you for text messaging. Please check your mobile service agreement for details on applicable fees.

You may also make payments without a transaction fee by using Bill Pay (described in Section 3.B above). Bill Pay allows you to transfer money to individuals, regardless of whether they are Bank of America customers, usually within 4 business days. You may also make transfers without charge to other Bank of America customers through online banking if you know the recipient’s account number.

4. Mobile Carrier Information
By registering a mobile phone number through the enrollment process, you are certifying that you are the account holder for the mobile phone account or have the account holder’s permission to register the number.

Message & data rates may apply. For help text “HELP” to 53849. To cancel your plan, send a text “STOP” to 53849 at anytime.

After you text “STOP”, you agree to receive one additional text message confirming your choice.

In case of questions, please call customer service at 1-877-343-7174.

Supported Carriers:

AT&T, Sprint, Nextel, Boost, Verizon Wireless, U.S. Cellular®, T-Mobile®, Cincinnati Bell, Virgin Mobile USA, Cellular South, Centennial and Ntelos

For information about our privacy and security practices and a link to our Privacy Policy for Consumers, go to our Web site at https://www.bankofamerica.com/privacy.

D. Limitations and Dollar Amounts for Transfers and Payments (does not apply to Transfers Outside Bank of America)

Transfers and Payments made using Online Banking are subject to the following limitations:

Bill payments can be for any amount between $1.00 and $99,999.99.
One-time immediate transfers between linked Bank of America accounts can be for any amount between $0.01 and $999,999.99.
One-time immediate transfers from a linked Bank of America account to a linked MLPF&S investment account may not exceed $999,999.99. Additional dollar limitations and verifications may apply. Please contact your financial advisor if you have questions on a particular transfer transaction.
One-time immediate transfers from a linked MLPF&S investment account to a linked Bank of America account may not exceed $25,000. Additional dollar limitations and verifications may apply. Please contact your financial advisor if you have questions on a particular transfer transaction.
Transfers submitted to the accounts of other Bank of America customers may not total more than $1,000 during any 24-hour period or $2,500 during any 7-day period. In addition, we may limit the total amount of money that any Bank of America customer can receive through these transfers. Note: If you are a Private or Wealth Management Banking customer, you may have higher limits for this type of transfer. Please contact your financial advisor for more information on your limits.
Scheduled and recurring transfers between linked Bank of America accounts can be for any amount between $0.01 and $99,999.99.
Scheduled and recurring transfers between a linked MLPF&S investment account and a linked Bank of America account can be for any amount between $0.01 and $999,999.99. Additional dollar limitations may apply. Please contact your financial advisor if you have questions on a scheduled or recurring transfer transaction.
Participants in the Email/Mobile Transfer Network Service may send up to 10 transfers with an aggregate dollar limit of $1000 and receive up to $3000 during any 24-hour period, and may not send or receive in excess of $10,000 in the aggregate within any 30-day period.
All transfer limits are subject to temporary reductions to protect the security of customer accounts and/or the transfer system.
At our discretion we may refuse to process any transaction that exceeds any of the above limits. In this case, you are responsible for making alternate arrangements or rescheduling the payment or transfer within Online Banking.

E. Transfer/Payment Authorization and Sufficient Available Funds

You authorize Bank of America to withdraw, debit or charge the necessary funds from your designated account in order to complete all of your designated transfers and payments.
You agree that you will instruct us to make a withdrawal only when a sufficient balance is or will be available in your accounts at the time of the withdrawal.
The completion of a transfer or payment is subject to the availability of sufficient funds (including any overdraft protection plans) at the time the transaction is posted. If enough funds to complete the transfer or payment are not available, we may either (i) complete the transaction and overdraw the account or (ii) refuse to complete the transaction. In either case, we may charge a non-sufficient funds (NSF), returned item, overdraft, or similar fee. Please refer to the applicable account agreement and fee schedule for details. If you schedule a payment from an account maintained at another financial institution and there are insufficient funds in that account, you may be charged a fee by that financial institution.
At our option, we may make a further attempt to issue the payment or process the transfer request.
Bank of America is under no obligation to inform you if it does not complete a payment or transfer because there are non-sufficient funds or credit in your account to process the transaction. In this case, you are responsible for making alternate arrangements or rescheduling the payment or transfer within Online Banking.

F. Canceling Transfers and Payments (does not apply to Transfers Outside Bank of America)

Bill Payments
- In order to cancel a payment (including a payment you scheduled from an account maintained at another financial institution), you must sign into Online Banking and follow the directions provided on the Bill Pay screens. The cancel feature is found in the Payment History or Recurring Payments sections of Online Banking.
- Future-dated payments can be cancelled prior to 5 p.m. ET on the third bank business day prior to the scheduled delivery date.
- Transfers
  - A 1-time immediate transfer to another Bank of America customer using the recipient’s account number cannot be cancelled after it has been submitted in Online Banking. A transfer submitted through the Email/Mobile Transfer Network Service may not be cancelled once the recipient has registered.
  - Future-dated and recurring transfers can be canceled prior to midnight ET on the bank business day prior to the date the transfer is scheduled to be made. If the transfer’s status is In Process or Processed, you can no longer cancel it. After you cancel a future-dated transfer, the status changes to Canceled. Canceled transfers remain under Review Transfers.

Alternative Method

Note: The easiest and most convenient way to cancel a payment or transfer is through the method described above. However, you may request to cancel a scheduled or recurring payment or a future-dated transfer by calling us at 1.800.933.6262. If you are calling from outside of the continental U.S., call us collect at1.925.681.7600.

We must receive your request three (3) bank business days or more before the payment or transfer is scheduled for processing. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. If you call or write to cancel a payment or transfer that is Pending, you will be charged for a stop payment in accordance with the agreement for the appropriate linked account.

G. Our Liability for Failure to Cancel or Stop the Transfer or Payment

If you attempt to cancel a payment or transfer in accordance with the above instructions and we do not do so, we will be liable for your losses or damages.

H. E-Bills

E-Bills is a feature of the Bill Pay service that enables you to receive bills electronically from participating Payees

Approval of e-Bills
Participating Payees establish their own criteria for reviewing requests to receive e-Bills and have sole discretion to accept or decline your request. We do not participate in this decision. Participating Payees generally take up to five (5) bank business days to approve an e-Bill set-up request.
Accessing e-Bills from a Third Party
In some cases we obtain the e-Bill from the web site of the Payee. To do so, we will ask you for information needed for this purpose, such as any required password. When you provide this information, you authorize us to access the third party web site to retrieve the account information on your behalf, and you appoint us your agent for this limited purpose.
Timely Delivery of e-Bills
We take no responsibility if a Payee does not provide the necessary data to forward an e-Bill in a timely manner. If you do not receive a bill, it is your responsibility to contact the Payee directly. We are not responsible for any late charges or other adverse consequences. Any questions regarding your bill details should be directed to your Payee.
Stop e-Bills
All parties have the right to cancel the service at any time. We will notify you if Bank of America or a Payee discontinues/stops e-Bills. If you request that an e-Bill be discontinued, we require seven (7) bank business days for the Payee to receive and process the request.
Privacy
When you establish e-Bills with a participating Payee you will provide certain information, that will be forwarded onto the Payee to complete your enrollment. If you have concerns about the future use of this information you should contact your Payee directly.

I. Accounts Linked to Your Online Banking Services (does not apply to Transfers Outside Bank of America)

When you first set up your Online ID, we will link all of your eligible Bank of America accounts. If you open an additional eligible account at a later date, we will link your new account to Online Banking, unless you instruct us not to do so. If you want to limit the accounts linked or the activity level assigned to an account, please call us at 1.800.933.6262 and a representative will discuss the available options with you.

J. Activity Levels for Linked Accounts

Currently there are 3 activity levels that can be assigned to your linked accounts:

View – This level allows you to obtain current account balance and transaction information. This level does not allow transfer of funds between linked accounts. However, for linked investment accounts, you may be able to perform investment activities (including trading) by linking directly to the investment site.
Inquiry – This level allows you to obtain current account balance and transaction information. This level does not allow transfers of funds from this account to any linked accounts.
Financial – This level allows you to obtain account information and transfer funds between linked accounts, as well as to add Bill Pay services, and certain other banking services.

When you first use Online Banking, all of your linked accounts are assigned the activity level of “financial.” If any additional accounts are linked to Online Banking, it will automatically be assigned to the activity level of “financial.” If you want to change the activity level assigned to your linked accounts, please call us at1.800.933.6262. If you are calling from outside of the continental U.S., call us collect at: 1.925.681.7600.

4. Other Terms and Conditions

A. Monthly Service Charge

Except as otherwise provided in this Agreement or your applicable account agreements and schedule of fees, there is no monthly service charge for accessing your linked accounts with the Online Banking service.
Note: For Personal Financial Management programs (such as Quicken©) using Online Banking with Bill Pay service through Quicken Direct Connect – There is a $9.95 monthly service charge for Consumer customers and a $15.00 charge for Business customers who have the Online Business Suite Account Management product. We waive this charge if you have a Preferred, Advantage, Versatel, Prima, or Premium account linked to your service, you are a Private Bank or Premier Banking client, or are a Platinum Privileges customer. The fee is waived for business customers if you are a Business Advantage checking customer.

B. Other Charges

In addition to the fees already described in this Agreement, you should note that depending on how you access Online Banking or Transfers Outside Bank of America, you might incur charges for:

Normal account fees and service charges.
Any Internet service provider fees.
Purchase of computer programs such as Personal Financial Management (PFM) software.
Payments or transfers made through Online Banking services from a savings or money market account may result in an excess transaction fee. See your savings or money market account for details. Additionally, fees may be assessed for added self-service features available through Online Banking customer service, such as stop payment requests, check copy orders and account statement copy orders. For additional information, please see the applicable Deposit Agreement.
An NSF-fee, returned item, overdraft or similar fee may also apply if you schedule payments or transfers and your available balance is not sufficient to process the transaction on the date scheduled or, in the case of a personal check, on the date when the check is presented to us for payment.
We may charge you a research fee of $20 per hour for an inquiry about a transaction that occurred more than 180 days before the date you make the inquiry. This fee will be waived if we determine that an error occurred.

Please see Section 8 for additional fees for Transfers Outside Bank of America.

C. Service Hours

Online Banking services and Transfers Outside Bank of America are available 365 days a year and 24 hours a day, except during system maintenance and upgrades. When this occurs, a message will be displayed on-line when you sign on to Online Banking. Our Call Centers are available Monday through Friday from 7:00 a.m. to 10:00 p.m., and Saturday and Sunday from 8:00 a.m. to 5:00 p.m. local time, excluding bank holidays. You may also write us at:

Bank of America
Electronic Banking Services
TX2-980-01-08
P.O. Box 655961
Dallas, TX 75265-9964

D. Business Days

For Online Banking services and Transfers Outside Bank of America, our business days are Monday through Friday, excluding bank holidays. For investment accounts only, all stock exchange closures and holidays will be observed (such as Good Friday) as well as the bank holidays.

E. Participation By Payees

Occasionally a Payee may choose not to participate in Bill Pay, or may require additional information before accepting payments. We will work with these Payees to encourage them to accept an electronic or check payment from the Bank. If we are unsuccessful, or if we determine that the Payee cannot process payments in a timely manner, we may decline future payments to this Payee. In the unlikely event that this occurs, we will promptly send you a notice. Any obligations that you wish to pay through Online Banking with Bill Pay must be payable in U.S. dollars to a Payee located in the United States. We reserve the right to restrict categories of Payees to whom payments may be made using the service. You should not use the service to make:

Tax payments
Court-ordered payments
Payments to settle securities transactions

F. Canceling Your Online Banking

If you choose to cancel your Online Banking services, any unprocessed payments will be canceled. We recommend that you cancel any scheduled payments prior to notifying us that you are discontinuing the service. Bank of America will cancel any scheduled payments within two (2) bank business days from the date we receive your request to discontinue the service. If you close your primary checking account, or if it’s no longer linked to your service, your Online Banking service will end, and any unprocessed payments will be canceled. If you cancel your Online Banking services, Transfers Outside Bank of America will also be canceled.

G. Joint Accounts

When your Online Banking service is linked to one or more joint accounts, we may act on the verbal, written or electronic instructions of any authorized signer. Joint accounts using the same Online ID will be identified as one service.

H. Changes to Agreement

We may change this agreement at any time. For example, we may add, delete or amend terms or services. We will notify you of such changes by mail or electronic message. If you initiate any transfer of funds or bill payment through your Online Banking services or make any Transfers Outside Bank of America after the effective date of a change, you indicate your agreement to the change.

I. Cancellation

Your Online Banking services and Transfers Outside Bank of America remain in effect until they are terminated by you or Bank of America. You may cancel your service at any time by notifying us of your intent to cancel in writing, through Online Banking secure mail, or by calling Online Banking customer service at 1.800.933.6262. This cancellation applies to your Online Banking services and Transfers Outside Bank of America, and does not terminate your Bank of America accounts. We recommend that you cancel any scheduled payments prior to notifying us that you are discontinuing the service.
We may terminate your participation in Online Banking services for any reason, including inactivity, at any time. We will try to notify you in advance, but we are not obliged to do so.

J. Use of External Email Address

With Online Banking services and Transfers Outside Bank of America, we may send messages to your external email address and notify you that responses to your payment inquiries or customer service inquiries are available, or as otherwise described within the Online Banking or Transfers Outside Bank of America services. If you subscribe to e-Bills service, we may also use external email to notify you that you have new bills. We cannot act on instructions sent by you from an external email address. You should use Online Banking secure mail to send instructions to Bank of America. If, for any reason your external email address changes or becomes disabled, please contact Bank of America immediately so that we can continue to provide you with automated messages. Because we may also use external email to send important notices about service and privacy changes, we require that every Online Banking customer provide us with a valid and current external email address. You are responsible for providing us with a valid email address and you may notify us of any changes to your external email address through the Customer Service tab within your Online Banking service.

K. Transfers From Money Market Deposit Accounts

Federal regulations and the deposit agreement impose limits on the number of certain types of withdrawals and transfers you can make each month from a savings and money market deposit account. You can make no more than a total of six (6) automatic or preauthorized transfers, telephone transfers, or Online Banking transfers or payments from a savings or money market deposit account each monthly statement cycle (each month for savings accounts with a quarterly statement cycle). If checks or debit cards are allowed on the account, no more than three of the six (6) transfers may be made by debit card purchase, check or similar order. If you exceed these limits on more than an occasional basis, we convert your account to another type of account and your account may no longer earn interest.
Each transfer or payment through the Online Banking services from your savings or money market deposit account is counted as one of the six limited transfers you are permitted each statement period. We recommend that you not use a savings or money market deposit account as your bill payment account because of these limits on transfers. Please review the deposit agreement for your account for more information.

L. Contact by Bank of America or Affiliated Parties

No Bank of America or Payee employee, nor any company affiliated with Bank of America Online Banking or Transfers Outside Bank of America, will contact you via email or phone requesting your Online ID or online passcode. If you are contacted by anyone requesting this information, please contact us immediately.

M. Reporting Unauthorized Transactions

For reporting unauthorized transactions, please call us at 1.800.933.6262

For all Email/Mobile Transfer Network Service transactions, please call us at 1.877.343.7174

If you are calling from outside of the continental U.S., please call us collect at 1.925.681.7600

You may also write us at:

Bank of America
Electronic Banking Services
TX2-980-01-08
P.O. Box 655961
Dallas, TX 75265-9964

N. Initiating Payment Inquiries

To initiate a payment inquiry, you may use Online Banking services to send the request via secure online mail. Or you may contact Online Banking Customer Service by calling 1.800.933.6262 and following the voice prompts to speak to a customer service representative. If you are calling from outside of the continental U.S., call us collect at 1.925.681.7600.

O. Disclosure of Account Information

We may disclose information to third parties about you or your transactions in the following instances:

When it’s necessary for completing transfers or bill payments, or to investigate or resolve a problem related to a transfer or payment
To verify the existence and condition of your account for a third party, such as a credit bureau or merchant
To comply with a government agency or court orders, or in connection with fraud prevention or an investigation
If you give us your permission
With our affiliates as permitted under Federal and applicable state laws
On a closed account, if we reasonably believe you have mishandled it

For more information about our privacy and security practices and a link to our Privacy Policy for Consumers go to our Web site at https://www.bankofamerica.com/privacy.

P. Account Statements

We report your Online Banking and Transfers Outside Bank of America transactions on the monthly statements for your linked accounts. A description of each transaction, including whom you paid, and the date and amount of the transaction will appear on your statement. In Online Banking, the monthly statement for your checking account is shown on the My Statements tab (not the Account Activity tab) of the Account Details page.

5. Additional Provisions Applicable Only to Consumer and Sole Proprietor Accounts

A. In Case of Errors or Questions About Your Electronic Transactions

Send us a secure online mail message or call us at 1.800.933.6262

For all Email/Mobile Transfer Network Service transactions 1.877.343.7174

If you are calling from outside of the continental U.S., call us collect at 1.925.681.7600

You may also write us at:

Bank of America
Electronic Banking Services
TX2-980-01-08
P.O. Box 655961
Dallas, TX 75265-9964

Contact us immediately if you think:

Your statement or transaction record is wrong
You need more information about a transaction listed on your statement
An unauthorized person has discovered your Online Banking passcode
Someone has transferred or may transfer money from your account without your permission
Bill payment transactions have been made without your authorization

We must hear from you no later than 60 days after we have sent the FIRST statement on which the problem or error appeared (or 90 days if the problem or error relates to a bill payment from an account maintained at another financial institution).
If you tell us verbally, we may require you to send us your complaint or question in writing or via email within ten (10) bank business days (Online Banking customers may use secure online mail). When you contact us, please provide the following information:

Your name and account number
The date and dollar amount of the transaction in question
The name of the Payee if the transaction in question is a payment
The transaction number assigned by Online Banking, if available
A description of the transaction about which you are unsure

Please explain as clearly as you can why you believe there is an error or why you need more information.

We will tell you the results of our investigation within 10 bank business days after we hear from you, and we will promptly correct any error we have made. If we need more time, however, we may take up to 45 days to investigate your complaint or question. In this case, we will provisionally credit your account within 10 bank business days for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing, and we do not receive your letter in 10 bank business days, we reserve the right not to provisionally credit your account.

If we conclude there was no error, we will send you a written explanation within three (3) bank business days after we complete our investigation. You may request copies of the documents that we used in our investigation.

B. Limitation of Liability for Online Banking Transactions

Tell us at once if you believe your Online Banking passcode has been compromised or if someone has transferred or may transfer money from your account without your permission. The best way to minimize your loss is to call us immediately. The unauthorized use of your Online Banking services could cause you to lose all of your money in your accounts, plus any amount available under your overdraft protection plan.

You will have no liability for unauthorized transactions if you notify us within 60 days after the statement showing the transaction has been mailed to you (or 90 days if the transaction was from an account maintained at another financial institution). If you do not, you may not get back any of the money you lost from any unauthorized transaction that occurs after the close of the 60-day period (or 90 day period if the transaction was from an account maintained at another financial institution), if we can show that we could have stopped the transaction if you had notified us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods.

When you give someone your Online Banking ID and passcode, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. If you notify us that the person is no longer authorized, then only transactions that person performs after the time you notify us are considered unauthorized.
Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.
For your protection, sign off after every Online Banking session and close your browser to ensure confidentiality.
Note: These liability rules are established by Regulation E. Our liability policy regarding unauthorized debit card or ATM Card transactions, and unauthorized Online Banking transactions on consumer deposit accounts may give you more protection, provided you report the transactions promptly. Please see the agreement you received with your ATM or debit card and the Online Banking agreement. Also, the state law applicable to your account may give you more time to report an unauthorized transaction or may give you more protection. For example, in Massachusetts, the two day and 60 day time limits for reporting unauthorized transactions do not apply and the $500 limit does not apply.

C. Our Liability for Failure to Complete Transactions

If we do not complete a transaction to or from your account on time, or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. For instance, we will not be liable:

If, through no fault of ours, you don’t have enough available funds in your account (or available funds under your overdraft protection plan), or credit to cover the transaction or transfer
If Online Banking services weren’t working properly, and you knew about the malfunction when you started the transaction or transfer
If circumstances beyond our control (such as fire or flood) prevented the transaction or transfer, despite reasonable precautions we’ve taken
If there are postal delays or processing delays by the Payee
There may be other exceptions not specifically mentioned

D. Our Liability for Transfers Outside Bank of America

For the provisions governing our liability for Same-Business Day Outbound transfers and International transfers through our Transfers Outside Bank of America Service, please see Section 8.G below. For the provisions governing our liability for Direct Payment Service, please see Section 4.G of the Online Business Suite Addendum. Our liability for Three-Business Day domestic transfers and Next Business Day domestic transfers involving a transfer to or from a Bank of America consumer or sole proprietor account is as prescribed in this section.

6. Additional Provisions Applicable Only to Business Accounts (other than Sole Proprietors)

A. Protecting Your Passcode

You agree that we may send notices and other communications, including passcode confirmations, to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that Bank of America will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business. You agree to: 1) keep your passcode secure and strictly confidential, providing it only to authorized signers on your account(s); 2) instruct each person to whom you give your passcode that he or she is not to disclose it to any unauthorized person; and 3) immediately notify us and select a new passcode if you believe your passcode may have become known to an unauthorized person. Bank of America will have no liability to you for any unauthorized payment or transfer made using your passcode that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice.We may suspend or cancel your passcode even without receiving such notice from you, if we suspect your passcode is being used in an unauthorized or fraudulent manner.

B. Acknowledgment of Commercially Reasonable Security Procedures

By using Online Banking, you acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions that are commercially reasonable. You agree to be bound by instructions, whether authorized or unauthorized, which we implement in compliance with these procedures, unless you have given us prior notice of possible unauthorized use as described above (and we had a reasonable opportunity to act on such notice).

C. Limitation of Bank’s Liability (does not apply to Transfers Outside Bank of America or Direct Payments Service)

If we fail or delay in making a payment or transfer pursuant to your instructions, or if we make a payment or transfer in an erroneous amount that is less than the amount per your instructions, unless otherwise required by law, our liability shall be limited to interest on the amount that we failed to timely pay or transfer, calculated from the date on which the payment or transfer was to be made until the date it was actually made or you canceled the instructions. We may pay such interest either to you or the intended recipient of the payment or transfer, but in no event will we be liable to both parties, and our payment to either party will fully discharge any obligation to the other. If we make a payment or transfer in an erroneous amount that exceeds the amount per your instructions, or if we permit an unauthorized payment or transfer after we have had a reasonable time to act on a notice from you of possible unauthorized use as described above, unless otherwise required by law, our liability will be limited to a refund of the amount erroneously paid or transferred, plus interest thereon from the date of the payment or transfer to the date of the refund, but in no event to exceed 60 days’ interest. If we become liable to you for interest compensation under this Agreement or applicable law, such interest shall be calculated based on the average federal funds rate at the Federal Reserve Bank in the district where Bank of America is headquartered for each day interest is due, computed on the basis of a 360-day year. Unless otherwise required by law, in no event will Bank of America be liable to you for special, indirect or consequential damages including, without limitation, lost profits or attorney’s fees, even if we are advised in advance of the possibility of such damages.

For the provisions governing our liability for Transfers Outside Bank of America, please see Section 8.G below. For the provisions governing our liability for Direct Payments Service, please see Section 4.G of the Online Business Suite Addendum.
Please note that if you give or make reasonably available, your PIN or other access device or code to anyone, you may be liable for any use made of such until you advise us that such person is not authorized to use them.

7. Additional Services Intended for Businesses

The additional services described in this Section 7 are available only if you also enroll in the Online Business Suite. Some customers have been provided continued access to these services without enrolling in the Online Business Suite. We have notified you separately if you qualified for this limited exception.

A. Creating and Managing Users

You may add additional users to your Online ID and provide each with a separate passcode. For each user, you may designate the activity level – Inquiry or Financial – for each linked account, with the exception of investment accounts, which can only be linked to your original Online ID.
You may also designate another user as an Administrator, which means that this user will also be able to designate additional users. You agree that, by granting Financial access, you will be allowing a user to transfer funds, perform account maintenance and view account transactions for the linked account. Inquiry access allows a user to view account transactions. If you select to enable Bill Pay for a user, that user will automatically have Financial-level access to all the accounts that you have set up for Bill Pay, and they will be able to pay bills using the Bill Pay feature. If you no longer are a person authorized on the signature card for each linked account to designate signers for each such account, the business has the obligation to inform Business Online Banking of the new individual or individuals with such authority. Such notice must be given separately from any other notices given to other Bank of America departments or banking centers, by calling us at 1.800.933.6262. You may also write us at:
Bank of America
Electronic Banking Services
TX2-980-01-08
P.O. Box 655961
Dallas, TX 75265-9964

Bank of America will have no liability to you for unauthorized payments and transfers made using the passcodes you assign that occur before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice.

B. Linking Accounts of Additional Businesses

If you also are authorized to enter into an Agreement for the Business Online Banking service for another business, and if you want to link the accounts of the other business to the accounts covered by this Agreement, you will need to agree separately to this Agreement for each other business. Upon doing so, you may link the accounts of the businesses so that you may elect, at your risk and that of the businesses, but not of the Bank, to use a common Online ID and passcode for Business Online Banking for all linked accounts. You should do this only if you are authorized to link the accounts of the different business and to use all the functions of Business Online Banking for each business. You further agree to inform Bank of America if your authority over any linked account decreases. Bank of America is not liable if your authority over any account decreases until it is informed of the change in authority using the “Notice” requirements of this Agreement.

C. Contacting Bank of America

For general questions, to request cancellation of payments and transfers, or to report unauthorized transactions please call us at 1.800.933.6262. Business Online Banking Customer Service is available from 7:00 a.m. to 10:00 p.m., seven (7) days a week, excluding bank holidays. You may also write us at:

Bank of America
Electronic Banking Services
TX2-980-01-08
P.O. Box 655961
Dallas, TX 75265-9964

8. Transfers Outside Bank of America Services

For general questions, to request cancellation of payments and transfers, or to report unauthorized transactions please call us at 1.800.933.6262, available Monday through Friday from 7:00 a.m. to 10:00 p.m., and Saturday and Sunday from 8:00 a.m. to 5:00 p.m., local time. From outside of the continental U.S., call us collect at 1.925.681.7600.

You may also write us at:
Bank of America
Electronic Banking Services
TX2-980-01-08
P.O. Box 655961
Dallas, TX 75265-9964

A. Transfers Outside Bank of America for Online Banking Customers

You must be enrolled in Online Banking to use Transfers Outside Bank of America Service.
Within Online Banking, you have the option of participating in the Transfers Outside Bank of America Service which allows you to transfer funds between your linked personal deposit accounts at Bank of America and certain deposit or investment accounts owned by you or someone else at other financial institutions. An Inbound transfer moves funds into an account you own at Bank of America from an account you own outside Bank of America. An Outbound transfer moves funds from an account you own at Bank of America to an account outside Bank of America that is owned by you or someone else.
Small business customers may transfer funds from their business checking account to an individual’s or vendor’s account at another financial institution. Before scheduling a transfer to an individual, you agree that you will have received a signed authorization from the payee, and that the authorization will not have been revoked. You agree to provide a copy of the authorization to us upon our request. Before scheduling any vendor payment, you agree that you will have received authorization from the vendor to make the payment by electronic means.
You will need to provide certain identifying information about each non-Bank of America account in order to register that account for this service. For Inbound transfers, you agree that you will only attempt to register non-Bank of America personal accounts that you own or for which you have the authority to transfer funds. Delivery speeds for domestic (U.S.) transfers are 3-Business-Day, Next-Business-Day or Same-Business-Day transfers. Same-Business-Day transfers are not available for Inbound transfers. International transfers are available for Outbound transfers only. Next-Business-Day and Three-Business-Day transfers are not available for international transfers. Please see below for a more detailed description of these transfers.
Types of domestic (U.S.) Outbound transfers:
- Three-Business-Day transfers: Funds will be debited from your Bank of America account on the business day you direct us to initiate processing of the transfer, and typically will be credited to the receiving account on the third business day after the transfer is initiated.
- Next-Business-Day transfers: Funds will be debited from your Bank of America account on the business day you direct us to initiate processing of the transfer, and typically will be credited to the receiving account on the next business day after the transfer is initiated.
- Same-Business-Day transfers: Funds will be debited from your Bank of America account on the business day you direct us to initiate processing of the transfer and typically will be credited to the receiving account on the same business day.
- Types of domestic (U.S.) Inbound transfers:
  - Three-Business-Day transfers: Funds typically will be debited from your account outside Bank of America on the business day or next business day after you direct us to initiate processing of the transfer, and will be credited to your Bank of America personal account on the third business day after the transfer is initiated.
  - Next-Business-Day transfers: Funds typically will be debited from your account outside Bank of America on the business day or next business day after you direct us to initiate processing of the transfer, and will be credited to your Bank of America personal account on the next business day after the transfer is initiated.
  - Types of international Outbound transfers:
    - Same-Business-Day transfers: Funds will be debited from your Bank of America account on the business day you direct us to initiate processing of the transfer, Bank of America will send the payment out on that business day, the beneficiary’s bank typically receives the funds 1 to 2 business days later and the funds typically will be credited to the beneficiary within 2 days.
    - Bank of America is not responsible for any failure of another financial institution to act in a timely manner as described above. As a result, Bank of America cannot guarantee the timely delivery or return of funds as a result of the failure of another financial institution to act in a timely manner. Please note that beneficiary banks located in some countries may take several days or even weeks to credit the receiving account. There may be some risk in making a transfer to a slow-to-pay country. Please see a complete listing of slow-to-pay countries. Currency conversion charges also may apply to international transfers. Bank of America will trace your transfer if the recipient has not received it in 3 weeks. A $25 fee will be charged for each transfer trace.
    - You agree that you will have sufficient available funds in the designated deposit account to cover all Outbound Transfers on the date scheduled. If the deposit account does not have sufficient available funds on the scheduled date, we may elect not to initiate one or more of the transfers. If we do elect to initiate the transfer, it may cause an overdraft in your account in which case you shall be liable for the overdraft and any overdraft fees and interest thereon, as set forth in your Deposit Agreement. If we do elect to initiate the transfer, you agree to pay all related fees as disclosed in your Deposit Agreement.
    - You agree that Bank of America may use any means or routes which we in our sole discretion consider suitable to execute your transfer. Bank of America hereby gives notice that Same-Business-Day transfers may be executed through Fedwire, a funds transfer system operated by the Federal Reserve Banks, through CHIPS (Clearing House Interbank Payments System), a funds transfer system operated by The Clearing House or through SWIFT (Society for Worldwide Interbank Financial Telecommunication). With respect to payment orders relating to the transfer which are executed through Fedwire, Federal Reserve Regulation J and all applicable Federal Reserve operating circulars shall govern the payment orders. With respect to payment orders relating to the transfer which are executed through CHIPS, the CHIPS Operating Rules shall govern the payment orders. With respect to payment orders relating to the transfer which are executed through SWIFT, the SWIFT operating rules shall govern the payment orders. Three-Business-Day transfers and Next-Business-Day transfers may be made through the Automated Clearing House processor selected by us or directly to another bank, and you agree will be subject to the National Automated Clearing House Association rules or our agreement with the other bank as applicable.

B. Initiating and Scheduling transfers

Cut-off Time: The cut-off time for 3-Business-Day transfers and Next-Business Day transfers is 8:00 p.m. ET. The cut-off time for Same-Business-Day transfers is 5:00 p.m. ET. Any transfer initiated after the applicable cut-off time will be considered as being initiated on the next business day.
Transfers can be scheduled on either a 1-time or a recurring basis. Processing of 1-time transfers may be initiated immediately or scheduled for initiation on a future date. Recurring transfers may be scheduled for up to 1 year in advance for domestic (U.S.) transfers only. The recurring transfer feature may be used when a set amount is transferred at regular intervals. For example, you may schedule a $100 transfer from an account you own at another financial institution to your Bank of America checking account every 2 weeks.
Immediate, 1-time future-dated and recurring transfers will be available for both Inbound and Outbound transfers. In addition to choosing the delivery speed, as described above, you will be asked to pick the date that you want us to initiate the processing of the transfer. For example, if you direct us to initiate processing an Outbound transfer immediately and choose Next Business Day delivery, funds will be debited from your Bank of America account on the business day you schedule the transfer and typically will be credited to the receiving account on the next business day after the transfer is initiated.
1-time future-dated or recurring transfers scheduled for a weekend or a non business day will be processed on the prior business day.

C. Cancelling Transfers

Subject to the limitations in Section 8.G and Section 8.H below, you can cancel 1-time future-dated and recurring transfers prior to midnight ET on the date processing for the transfer is scheduled to be initiated by accessing the Review Transfers page in the Transfers Outside Bank of America Service. This is the preferred method for cancelling transfers. After you cancel a future-dated transfer, the status changes to Canceled.
If you direct us to begin processing a transfer immediately or a transfer’s status is In Process or Processed, you no longer have the right to cancel it. However, the Bank at its option, may attempt to cancel the transaction, subject to the limitations in Section 8.G and H below.
Alternative Method: The easiest and most convenient way to cancel a transfer is through the method described above. However, you also may request to cancel a 1-time future-dated or recurring payment by calling us at 1.800.933.6262. From outside of the continental U.S., call us collect at: 1.925.681.7600.
If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. You may not call and cancel a transfer whose status is In Process or Processed.
If you attempt to cancel a payment or transfer in accordance with the above instructions and we do not do so, we will be liable for your losses or damages, subject to the limitations in Section 8.G and H below.

D. Transfer Fees for Transfers Outside of Bank of America Services

Inbound Transfers: There is no fee for transferring funds into your Bank of America personal accounts, regardless of the delivery speed you choose.
Outbound Transfers:
- If you transfer funds to an account owned by you or someone else at another financial institution, the following transfer fees will apply:
  – 3-Business-Day transfers – $3
  – Next-Business-Day transfers – $10
- Same-Business Day transfers – varies by region (The actual fee disclosure is on the Make Transfer page.)
- Miscellaneous Fees: You will be charged $25 for each transfer trace that you ask us to execute for you. International payments may be subject to additional fees charged by intermediary, receiving and beneficiary banks.
- You may move money without a transfer fee by using Bill Pay (described in Section 3.B above). Bill Pay allows you to pay most major companies, usually within 1 to 4 business days. You may also use Bill Pay to transfer money to individuals and smaller merchants when arrival by a specified date is not required. The Transfers Outside Bank of America Service is an alternative that allows you to transfer funds to individuals or vendors when delivery of funds by a specific date is critical. Although you may also make transfers to other Bank of America customers through the Transfers Outside Bank of America Service, you may be able to make such transfers through our Inside the Bank Transfers Service without charge.

E. Dollar Limits

Inbound transfers to your personal accounts are subject to the following dollar limits:

	3 Business Day Transfers	Next Business Day Transfers
Inbound
Business Day	$3,000	$2,000
In Process	$3,000	$2,000
Monthly (rolling 30-day period)	$6,000	$5,000

You will not have limits for Outbound transfers, but all Transfers Outside Bank of America are subject to internal review by Bank of America based on to and from accounts, the amount of the transaction, your relationship with Bank of America, a successful fraud screening and such other factors that Bank of America may determine to apply from time to time. In the event we determine that there are risks associated with a Transfer Outside Bank of America or if we determine you are subject to a “Disqualifying Event,” as defined below, we may delay or cancel the transfer and notify you, or direct you to contact us to provide additional details on the transfer before it is initiated or funds are released.
Any transfer initiated on a day that is not a business day begins processing on the following business day and counts toward the applicable dollar limit for the next business day.

You must enroll in SafePass to transfer funds over certain dollar amounts, depending on your relationship with Bank of America. After enrolling in SafePass, you will be required to enter your SafePass code each time you’re initiating a transfer over the specified dollar amount and when adding a new account. The code will be sent to your mobile device or SafePass card. Learn more about SafePass.

F. Processing Transfers and Disqualifying Events

A transfer remains “In Process” until fully processed and it will appear as “In Process” on your Transfer Funds, Outside the Bank, Review Transfers tab within Online Banking. Transfers remain “In Process” until the close of business on the day the funds are scheduled to be credited to the receiving account.
For Inbound transfers, 3-Business-Day delivery speed is available to all consumer customers participating in the Transfers Outside Bank of America Service, but you agree we may cancel a transfer, without prior notice, upon the occurrence of a “Disqualifying Event,” as defined below. You must be approved to make a Next-Business-Day Inbound transfer. Next-Business-Day Inbound transfers are permitted only at our discretion, but you must have completed at least one 3-Business-Day Inbound transfer involving the same non-Bank of America account no less than 60 days prior to the attempted Next-Business-Day Inbound transfer. You may determine whether you have been approved for Next-Business-Day Inbound transfers by going to theTransfer Funds tab and selecting Make Transfer, then verify if the Next Business Day option is available once an account you own at another financial institution is selected. Once approved, you will remain eligible for Next-Business-Day Inbound transfers, as applicable, unless we provide you with notice, as required by law.
We may change your dollar limits at any time. Any decrease will be subject to notice, as required by law, but you agree that we may reduce your limits below the amounts stated above without prior notice upon occurrence of a Disqualifying Event.
Each of the following is a “Disqualifying Event”:
- Any of your deposit accounts with Bank of America are not current or are not in good standing.
- You have had an overdraft, an over-limit item, or an item returned for insufficient funds with respect to any Bank of America deposit account during the current or 3 prior calendar months.
- You have had any prior transfer canceled, revoked, or uncompleted due to insufficient funds, revoked authorization, stopped payments, frozen accounts, or any similar reason.
- Bank of America will use best efforts to provide oral, written or electronic notice to you of rejection of a transfer on the scheduled date of initiation of the transfer; provided, however, that Bank of America shall not be liable to you for interest compensation for its failure to give such notice.

G. Liability (for Same-Business Day Transfers and All Transfers Outside Bank of America From a Business Account)

The following applies to Same-Business Day transfers, International Outbound Transfers, and all Transfers Outside of Bank of America from a business account (other than sole proprietors). The liability for Three-Business Day domestic transfers and Next-Business Day domestic transfers involving a transfer to or from a Bank of America consumer or sole proprietor account is prescribed in Section 5 above.

By enrolling in online banking and accessing the Transfers Outside Bank of America Service using your online I.D., Passcode and Sitekey, you acknowledge and agree that this system includes security procedures for transfers initiated through this Service that are commercially reasonable. You agree to be bound by instructions, whether authorized or unauthorized, which we implement in compliance with these procedures, unless you have given us prior notice of possible unauthorized use of your passcode and we had a reasonable opportunity to act on such notice.
If we fail or delay in making a transfer pursuant to your instructions, or if we make a transfer in an erroneous amount that is less than the amount per your instructions, unless otherwise required by law or as otherwise provided in this Agreement, our liability shall be limited to interest on the amount that we failed to timely pay or transfer, calculated from the date on which the payment or transfer was to be made until the date it was actually made or you canceled the instructions. We may pay such interest either to you or the intended recipient of the transfer, but in no event will we be liable to both parties, and our payment to either party will fully discharge any obligation to the other. If we make a payment or transfer in an erroneous amount that exceeds the amount per your instructions, or if we permit an unauthorized payment or transfer after we have had a reasonable time to act on a notice from you of possible unauthorized use of your passcode as described in this Section above, unless otherwise required by law or as otherwise provided in this Agreement, our liability will be limited to a refund of the amount erroneously paid or transferred, plus interest thereon from the date of the transfer to the date of the refund, but in no event to exceed 60 days’ interest. If we become liable to you for interest compensation under this Agreement or applicable law, such interest shall be calculated based on the average federal funds rate at the Federal Reserve Bank in the district where Bank of America is headquartered for each day interest is due, computed on the basis of a 360-day year. Unless otherwise required by law, in no event will Bank of America be liable to you for special, indirect or consequential damages including, without limitation, loss or damage from subsequent wrongful dishonor resulting from our acts or omissions or lost profits, even if we are advised in advance of the possibility of such damages. We shall not be liable for your attorney’s fees, except as required by law.
You expressly agree that Bank of America shall be liable to you only for our negligent performance or non-performance of the services provided pursuant to the Transfers Outside Bank of America Service, and that our responsibility shall be limited to the exercise of reasonable and ordinary care. Unless otherwise required by law, Bank of America shall not be liable for any error or delay on the part of any third party or for any other act or omission of any third party, including without limitation third parties used by Bank of America in executing any payment order relating to a transfer or performing a related act, and no such third party shall be deemed to be our agent. Further, we shall not be liable to you or any third party for failure to execute any transfer or perform a related act if such a failure is due to causes or conditions beyond our reasonable control, including without limitation, strikes, riots, insurrection, war, military, or national emergencies, acts of God, natural disasters, fire, outages of computers or associated equipment, or failure of transportation or communication methods or power supplies. Except as may be limited by applicable law, you agree to indemnify and hold Bank of America and officers, directors, employees and representatives harmless (including payment of reasonable attorney’s fees) against any and all liability to third parties arising out of, or in connection with, this Agreement, the Transfers Outside Bank of America Service or any actions taken by Bank of America pursuant to your instructions.
For each transfer, we will e-mail a confirmation to you at the e-mail address indicated in our records. The confirmation will note the date and the amount of the transfer and the bank or institution to or from which the transfer was made. You agree to examine the confirmation promptly upon receipt and to notify us immediately of any discrepancy between the confirmation and your records. Bank of America shall not be liable for interest compensation, as otherwise set forth in this Agreement, unless Bank of America is notified of the discrepancy within 30 days from the date of your receipt of the confirmation or your bank statement including the transfer, whichever is earlier.
You acknowledge and agree that if a payment order relating to a transfer describes a beneficiary inconsistently by name and account number, payment might be made by the beneficiary’s bank on the basis of the account number, even if it identifies a person different from the named beneficiary, and that your obligation to pay the transfer issued by you to us shall not be excused by such payment.
Bank of America may at its option accept your cancellations or amendments to a transfer. You acknowledge that if Bank of America attempts to cancel or amend a transfer, then the reversal request or amendment must be agreed to by each financial institution which has accepted a payment order related to the transfer at issue before it will be acted upon and you further agree that Bank of America shall have no liability if a cancellation or amendment is not effected. You agree that you shall indemnify and hold Bank of America and officers, directors, employees, and representatives harmless from and against any and all claims, demands, losses, liabilities, and expenses, including attorney’s fees and costs, resulting directly or indirectly from compliance with your cancellation or amendment request.

H. Special Rules for International Transfers

Once an international transfer has been sent, it cannot be cancelled or amended. You may request an international transfer be recalled, and we will communicate your request to the beneficiary’s bank. If the beneficiary’s bank agrees to return the funds to us, then upon confirmation of receipt of funds in our account, we will credit your account at the current Bank of America retail buy rate for that currency that day (see below). Please note that the exchange rate will be different from the original rate applicable to the Outbound transfer, which may result in a loss to you. Furthermore, the beneficiary’s bank may assess charges for their services, which will be deducted from the amount returned to you. We will have no liability to you if the beneficiary’s bank or foreign beneficiary refuses your request to recall the international wire transfer.
If an international transfer is returned by the receiving bank or beneficiary’s bank for no fault of ours, we will credit your account at the current Bank of America retail buy rate for the currency that day (see below). Please note that the exchange rate will be different from the original rate applicable to the Outbound transfer, which may result in a loss to you. Furthermore, a returning bank and/or beneficiary’s bank may assess charges for their services, which will be deducted from the amount returned to you.
The exchange rate that Bank of America will offer you or assign to your transaction is determined by Bank of America based upon market conditions. We consider many factors in setting our exchange rates including without limitation exchange rates charged by other parties, desired rates of return, market risk and credit risk. You acknowledge that exchange rates for retail and commercial transactions, and for transactions effected after regular business hours and on weekends, are different from the exchange rates for large inter-bank transactions effected during the business day as reported in the The Wall Street Journal or elsewhere. Exchange rates offered by other dealers, or shown at other sources (including online sources) may be different from Bank of America’s rates. We do not accept any liability if our rates are different from rates offered or reported by third parties, or offered by us at a different time, at a different location, for a different transaction amount, or involving a different payment media (banknotes, check, wire transfer etc.)

9. BankAmeriDeals^TM (Not yet available for all Bank of America Downloadable Mobile Banking Applications (“Mobile Banking App/s”)).

BankAmeriDeals (“deals” or “cash back deals or “offers”) are provided pursuant to these terms and conditions and any operating rules or policies that may be published by Bank of America (including its Privacy Notice), as may be amended from time to time. BankAmeriDeals provide you with the opportunity to earn cash back with deals based on your use of your eligible Bank of America accounts. If you have an eligible debit or credit card and meet the BankAmeriDeals eligibility requirements, the deals recommended for you will appear in your Account Detail transaction list in Online Banking and on the Cash Back Deals tab in Online Banking or on the Deals tab in the Bank of America Mobile Banking App. We try to match deals to the places you’ve shopped or to similar places that might interest you. We do not share individually identifiable information with merchants as part of BankAmeriDeals, and we offer you the opportunity to hide or opt out of receiving these cash back deals. As always, we will only use personally identifiable information in accordance with our Online Privacy Notice and Privacy Notice.

A. Redeeming BankAmeriDeals

In order to redeem a cash back deal you must first click on the deal to load it to your eligible Bank of America credit and debit cards and then complete the transaction using one of those cards. The amount of cash back and any specific terms and conditions related to a particular deal will be included in the deals details . However, cash back will not be earned for any portion of your purchase that you pay for with store credit, gift certificates or other payment types.

Cash back you earn will be posted into the account designated as your cash back account (“Designated Account”) on the Preferences tab in the Cash Back Deals section of Online Banking or under BankAmeriDealsin Settings in the Mobile Banking App. You may change the Designated Account to another eligible account at any time by clicking the Change account link in Online Banking or tapping the Cash Back Account button in the Mobile Banking App. (An account will be auto-populated as the default account to receive your BankAmeriDeals cash back unless you access the Preferences or Settings tab and select another account.)

Cash back from the BankAmeriDeals you redeem in a given month will appear as one transaction on the Account Details page for your Designated Account and will appear in your Earnings Summary in the Mobile Banking App. Your BankAmeriDeals cash back will typically be posted to your account the month after you redeem the deal. For example, any deals you redeem in the month of December will be posted to your account toward the end of January. Since we don’t share your personal information with merchants as part of BankAmeriDeals, we cannot post the cash back reward to your account immediately at the time of purchase and there may be a delay for your cash back reward to show to be paid on the Cash Back Deals Earned tab in Online Banking or in the Earnings Summary in the Mobile Banking App. If you would like to see the BankAmeriDeals you have redeemed or the total value of the deals you have redeemed to date, please visit the Earned tab in Online Banking or the Earnings Summary in the Mobile Banking App.

Cash back posted to a credit card account will not be posted as a payment. It will be posted as a statement credit and is not a substitute for a payment. You must continue to make your minimum monthly payment shown on your billing statement.

Your Designated Account must be open in order to receive BankAmeriDeals cash payments. If your Designated Account is closed but you have other open eligible cards/accounts, we reserve the right to select an alternative Designated Account for you. You can go to the Preferences tab in Online Banking or toBankAmeriDeals in Settings in the Mobile Banking App to update or change your Designated Account. If all of your eligible cards/accounts are closed by you or us, you forfeit any BankAmeriDeals cash payments that you have not yet been awarded.

B. Eligible Cards

Only Bank of America credit or debit cards associated with certain accounts are eligible for use with BankAmeriDeals. ATM-only cards are not eligible for this Program. Only accounts linked to your unique Online Banking ID will be listed as eligible accounts on the BankAmeriDeals Preference tab. Accounts that are linked to two different Online Banking User ID profiles (such as jointly owned credit card accounts) will be listed for both account holders’ Online Banking profiles. Each joint owner of an eligible account will be able to view deals in Online Banking. If you are an authorized user on a credit card account, and not a co-owner, that credit card account will not appear as an eligible account under your Online Banking ID profile.
Please note: Some checking accounts may be listed under “Eligible cards,” but if the account does not have an associated debit card, it cannot be used in the Program, except to receive cash back. You must make a purchase with an eligible debit or credit card to earn cash back from BankAmeriDeals.

Please visit the Cash Back Deals Preferences tab in Online Banking or the Eligible Credit/Debit Cards button in BankAmeriDeals Settings in the Mobile Banking App to review the list of currently eligible cards.
Certain cards are not eligible for BankAmeriDeals. Bank customers with only the following card and account types are not eligible to participate in BankAmeriDeals. This list is subject to change without prior notice:

Small business credit card accounts without another eligible card (consumer credit card or consumer or small business debit card as described above)
ATM-only cards
Credit Purchasing Card (P-Card), Travel/Corporate Card, Fleet Card
Prepaid Payroll & Incentive Card
All healthcare account products – HSA/FSA Health Reimbursement/Flexible Spending
HELOC – Home Equity Line of Credit accounts
US Airways credit cards
Merrill Lynch CMA deferred debit cards
AAA credit cards

C. Participating Retailers

When redeeming a BankAmeriDeal, please refer to the retailer’s terms and conditions related to the purchase, including but not limited to, guarantees, warranties, payment terms, shipping, delivery, taxes, return policies and processing of returns. The retailers are solely responsible for the content and offerings presented on their websites. We make no warranties and disclaim responsibility for fulfillment of the transaction between you and a participating retailer and, we disclaim any responsibility for the policy positions or business practices of any participating retailer. When redeeming your deals online, please remember that the participating retailers operate their websites with different privacy practices. You should review each retailer’s website privacy policy, as we have no control over information that is submitted by you to these third parties.

All returns must be made through the retailer. We are not responsible for any returns, and all questions about purchases or returns should be directed to the retailer.

D. Hiding or Opting Out of Receiving BankAmeriDeals

To hide BankAmeriDeals in your Online Banking Account Details list, you can click the Hide deals link at the top of the Account Details page or go to the Hide/Show deals section on the Preferences tab and select the Hide deals on my Account Details link. You will be able to view deals on the Cash Back Deals section in Online Banking and on the Deals tab in the Mobile Banking App. To return to viewing deals in your Accounts Details list, either click the ‘Show Deals’ link on the Account Details page or go to the Hide/Show deals section on thePreferences tab and select the Show deals on my Account Details link.

You can opt to stop receiving BankAmeriDeals. In Online Banking go to the Opt out of BankAmeriDeals offers section on the Preferences tab and select the Opt out of BankAmeriDeals offers link.In the mobile banking App go to Settings > BankAmeriDeals^TM > Opt Out of Deals, and confirm that you do want to stop receiving new deals. If you opt out, you will no longer be able to view deals in your accounts details list on the Cash Back Deals page in Online Banking or on the Deals tab in the Mobile Banking App. You will still be able to redeem any deals you have already loaded to your cards and continue to view your redemption history. To opt back in to receiving BankAmeriDeals: in Online Banking, go to the Cash Back Deals tab and click the Opt in to start receiving BankAmeriDeals link; in the Mobile Banking App, go to Deals > Opt in to Deals.

E. Reporting an Error in the Cash Back Amount

If you wish to dispute the amount of cash back posted to your Designated Account in connection with BankAmeriDeals, please call the number listed on the back of your eligible debit or credit card.

10. My Portfolio Service

A. Relationship to Other Agreements

You may use My Portfolio to access services offered by Bank of America, its affiliates, or third parties not affiliated with Bank of America. You agree that when you use these services, you will be subject to any terms and conditions established by those third parties, including Bank of America, its affiliates or unaffiliated service providers, and that this Agreement does not amend any of those terms and conditions. You agree that only the third parties are responsible for such services, and if you have any problems with these third parties, you should contact them directly. Any service offered by Bank of America or any of its affiliates will display the name of the Bank or the affiliate and the Bank of America logo on the webpage.

B. Description of My Portfolio

My Portfolio is a personal information management service that allows you to better manage your information by consolidating it in one place. My Portfolio uses proprietary technology to allow you to retrieve, view, and maintain information you have available at various web sites you designate, but all within one convenient service. All of the accounts linked to your Access ID through Online Banking from Bank of America are automatically added to My Portfolio.

You may add information about accounts accessible at other web sites that you maintain at other institutions, including Merrill Lynch, Pierce, Fenner & Smith Incorporated. When you use My Portfolio to access a third party web site you designate, you agree to the following: 1)You authorized Bank of America and its providers to access the third party web sites and accounts you designate to retrieve account information on your behalf, and you appoint us as your agent for this limited purpose. In addition, you hereby grant Bank of America and its providers as your true and lawful attorney-in-fact, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third party web sites, retrieve account information, and use your information, for the purpose of accessing your accounts and operating My Portfolio, with full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. 2)You represent that you are a legal owner of the accounts at third party web sites which you include in My Portfolio and that you have the authority to (i) designate us as your agent, (ii) use My Portfolio and (iii) give us your passwords, usernames, and all other information you provide. 3)YOU AGREE AND ACKNOWLEDGE THAT WHEN WE ACCESS AND RETRIEVE INFORMATION FROM THE THIRD PARTY WEB SITE, WE ACT AS YOUR AGENTS, AND NOT THE AGENTS OR ON BEHALF OF THE THIRD PARTY. 4)My Portfolio does not have the capability to initiate transactions affecting your financial accounts or provide notices or instructions affecting such financial accounts. When you access a third party web site through My Portfolio, you open a new browser window to directly connect you to the third party web site and submit information you have designated to allow further access to that site. Transactions and inquiries you initiate at such a site are not made through My Portfolio, and we have no responsibility for such transactions. You are responsible for all fees charged by the third party in connection with such transactions and accounts, and you agree to comply with the terms and conditions of those accounts. If you have a dispute or question about any transaction on such site, you agree to direct these to the account provider. 5)Third party web sites shall be entitle to rely on the above authorizations, agency and power of attorney granted by you. 6)My Portfolio is not sponsored or endorsed by any providers of the third party accounts you access through My Portfolio, except for affiliates of Bank of America. 7)Balances shown on My Portfolio reflect the most recent refresh and may not be accurate if a refresh was not successfully completed or the information obtained during the refresh from the third party is otherwise not accurate or current. Data and information is provided for informational purposes only, and is not intended for trading or transactional purposes. You agree that we are not liable for any errors or delays in the content, or for any actions taken in reliance thereon. The services which you may be able to access through My Portfolio are services of the listed institutions. My Portfolio provides links to selected institutions for your convenience only. We do not endorse or recommend the services of any institution. The third party institution you select is solely responsible for its services to you. We are not liable for any damages or costs of any type arising out of or in any way connected with your use of the services of the institution. 8)You may also add information into My Portfolio for accounts not available at other web sites or which are not linked to My Portfolio. In such case, you are solely responsible for the accuracy of such information.

C. Description of Real Estate Center

You may use the Real Estate Center feature in My Portfolio to add a home value estimate to the profile of your assets and net worth. You may opt to have your home value estimate automatically generated and updated. By electing to automatically update your home value estimate you agree to receive a computer-generated estimate of the worth of the property, called a Zestimate®, provided by Zillow, Inc., a third-party online real estate service, and you authorize Bank of America and its service providers to access Zillow.com and retrieve Zestimates on your behalf. You agree that a Zestimate is not an appraisal and should not be used as a substitute for an appraisal, and that the actual value of the property may vary. Zillow is not affiliated with Bank of America N.A. or any of its affiliates. Bank of America and its service providers provide access to Zillow and Zestimates for your convenience only and do not endorse or recommend Zillow, the Zestimate or any other services provided by Zillow and you agree that neither Bank of America nor its service providers are responsible for the accuracy of the Zestimates or other information provided by Zillow or liable for any damages or costs of any type arising out of or in any way connected with your use of the Zestimate or other services provided by Zillow. You agree that you will use the Zillow services only for your personal use. If you elect to include the Zestimate in your net worth summary, you acknowledge and agree that the net worth summary is calculated based on information provided by you or third parties at your direction and that Bank of America makes no representation as to the accuracy of the net worth summary. Data and information provided in the Real Estate Center feature is for informational purposes only, and is not intended for transactional purposes. You agree that we are not liable for any errors or delays in the content, or for any actions taken in reliance thereon.

D. Provide Accurate Information

You represent and agree that all information you provide to us in connection with My Portfolio is accurate, current and complete, and that you have the right to provide such information to us for the purpose of operating My Portfolio. You agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.

E. Proprietary Rights

You are permitted to use content delivered to you through My Portfolio only on My Portfolio. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of My Portfolio technology, including but not limited to, any Java applets associated with My Portfolio.

F. User Conduct

You agree not to use My Portfolio or the content or information delivered through My Portfolio in any way that would: (a) infringe any third-party copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy; (b) be fraudulent or involve the sale of counterfeit or stolen items, including but not limited to use of My Portfolio to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (d) be false, misleading or inaccurate; (e) create liability for Bank of America or its affiliates or cause us to lose (in whole or in part) the services of our third-party provider; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) may potentially be perceived as being obscene or pornographic or contain child pornography, or racially, ethnically, or otherwise objectionable; (h) interfere with or disrupt computer networks connected to My Portfolio; (i) interfere with or disrupt the use of My Portfolio by any other user; (j) access the information and content manually by request and not programmatically by macro or other automated means; or (k) use My Portfolio in such a manner as to gain unauthorized entry or access to the computer systems.

G. Restriction on Commercial Use or Resale

You agree not to resell or make any commercial use of the services in My Portfolio.

H. Your Indemnification of the Bank

Notwithstanding the language in Section 5 of this Online Banking Services Agreement, when you use My Portfolio, unless caused by our intentional misconduct or gross negligence, you agree to protect and fully compensate Bank of America and our service providers and affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of My Portfolio, your violation of this Agreement or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.

I. My Portfolio Service Limitations

We want to make your use of My Portfolio easy and productive, but we cannot always foresee or anticipate technical or other difficulties. These difficulties may result in loss of data, personalization settings or other My Portfolio interruptions. Notwithstanding the language in Section 5 of this Online Banking Services Agreement, with respect to My Portfolio, we do not assume responsibility for the timeliness, deletion, mis-delivery or failure to store any user data, communications or personalization settings.

J. Third Party Products and My Portfolio

You agree to exercise caution when browsing on the internet and to use good judgment and discretion when obtaining or transmitting information or making purchases. From My Portfolio you may access or be directed to sites containing information or material that may be offensive or inappropriate to some people. We do not endorse and make no effort to review the content of these sites, nor are we responsible for their validity, legality, copyright compliance, or decency of the content contained in these sites. We retain the right (not the obligation) at our sole discretion to prevent access to any site from My Portfolio.

K. Privacy and My Portfolio

Bank of America has a commitment to keeping information about you secure and confidential. Our Privacy Policy for Consumers clearly states our promise to carefully manage information about you and your relationship with our family of companies.

Through the My Portfolio service, you are able to aggregate information about your accounts from sources other than Bank of America or its affiliates so that you may view them in one online location. Bank of America will use this information to help optimize your personal use of this service, and to understand what product or service offers may be most beneficial to you. This information is provided all the protections outlined in our Privacy Policy for Consumers.

In addition to these protections, you may at any time choose to limit our use of information aggregated on My Portfolio from other institutions and accounts. You can select this option by going to the Set Your Privacy Preferences page on our Privacy and Security website at www.bankofamerica.com.

For more information on our Privacy Policy for Consumers, you can visit our Privacy and Security website atwww.bankofamerica.com/privacy.

L. Changes or Cancellation

Notwithstanding the language in Section 4 and 5 of this Online Banking Services Agreement, you may cancel your participation in My Portfolio by calling us at 1.800.933.6262. We reserve the right to change or cancel My Portfolio at any time without notice. We may also suspend your access to My Portfolio at anytime without notice and for any reason, including but not limited to your non-use of My Portfolio. You agree that we will not be liable to you or any third party for any modification or discontinuance of My Portfolio.

M. Third Party Beneficiary

You agree that our providers may rely upon your authorization and grant of a limited power of attorney, the disclaimer of warranties, and the limitation of liability in My Portfolio Sections 10.B and 10.H, respectively, above, and such providers are, for the purposes of those sections, third party beneficiaries to this agreement, with the power to enforce those provisions as applicable.

11. Additional Services

The following addendum will apply if you register for any of these additional services.

Online Business Suite Addendum

Some accounts and services, and the fees that apply to them, vary from state to state. Please review the information for your state in the Personal Schedule of Fees (at www.bankofamerica.com/feesataglance or at your local Banking Center) and in the Online Banking Service Agreement atwww.bankofamerica.com/serviceagreement.

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Push strategy

Another meaning of the push strategy in marketing can be found in the communication between seller and buyer. Depending on the medium used, the communication can be either interactive or non-interactive. For example, if the seller makes his promotion by television or radio, it’s not possible for the buyer to interact with. On the other hand, if the communication is made by phone or internet, the buyer has possibilities to interact with the seller. In the first case information is just “pushed” toward the buyer, while in the second case it is possible for the buyer to demand the needed information according to their requirements.

Applied to that portion of the supply chain where demand uncertainty is relatively small
Production and distribution decisions are based on long term forecasts
Based on past orders received from retailer’s warehouse (may lead to Bullwhip effect)
Inability to meet changing demand patterns
Large and variable production batches
Unacceptable service levels
Excessive inventories due to the need for large safety stocks
Less expenditure on advertising than pull strategy

[edit]Pull strategy

In a marketing “pull” system, the consumer requests the product and “pulls” it through the delivery channel. An example of this is the car manufacturing company Ford Australia. Ford Australia only produces cars when they have been ordered by the customers.