Online Banking

1 Online BankingOnline Banking Service AgreementBank of America Online Banking Service AgreementEffective Date: November 15, 2021 Table of Contents: Hide all Topics1. General Description of Bank of America Online Banking Service agreement (this " agreement ")IntroductionA. What This agreement CoversB. Accepting the AgreementC. Relation to Other Agreements2. Internal Transfer Services and Payments to Your Bank of America Loan Accounts From An External AccountIntroductionA. Transfers Between Your AccountsB. Transfers to Someone Else Using Their Account NumberC. Payments to Your Bank of America Loan Accounts From An External Account3.

2 Bill Payment ServicesIntroductionA. Bill Pay for Checking, Money Market and Home Equity Line of Credit AccountsB. Bill Pay for Credit Card, Business Line of Credit or Vehicle Loan (automotive, recreational vehicle, boat or aircraft) Only CustomersC. E-BillsD. LimitsE. Canceling Bill PaymentsF. Fees4. Zelle Network Service (Email and Mobile Transfers)IntroductionA. Description of ServiceB. Eligibility and User ProfileC. Enrolling for the ServiceD. Consent to Emails and Automated Text MessagesE. Receiving Money; Money Transfers by Network BanksF. Sending Money; Debits by Network BanksG.

3 LiabilityH. Requesting MoneyI. FeesJ. CancellationK. Limits5. ACH and Wire TransfersIntroductionA. Security ProceduresB. Types of ACH and Wire TransfersC. Transfer RulesD. Cancelling TransfersE. LiabilityF. Special Rules for Remittance TransfersG. Currency Exchange Rates6. Online Banking AlertsIntroductionA. General InformationB. Mobile Text Alerts7. Error Resolution Procedures for Consumer AccountsIntroductionA. In Case of Errors or Questions About Your Electronic TransactionsB. Limitation of Liability for Online Banking TransactionsC. Our Liability for Failure to Complete TransactionsD.

4 Our Liability for ACH and Wire Transfers8. Additional Provisions Only Applicable to Small Business AccountsIntroductionA. Protecting PasscodesB. Acknowledgment of Commercially Reasonable Security ProceduresC. Limitation of Bank's Liability9. Disclaimer of Warranties, Limitation of Liability and IndemnificationIntroductionA. Disclaimer of WarrantiesB. Limitation of LiabilityC. Indemnification10. Other Terms and ConditionsIntroductionA. Service ChargesB. Service HoursC. Business DaysD. Changes to AgreementE. CancellationF. Disclosure of Account InformationG. Consent to Provide Electronic Communications1.

5 General Description of Bank of America Online Banking Service agreement (this " agreement ")A. What This agreement CoversThis agreement is between each owner of an eligible account, a person applying for an eligible account, or authorized representative appointed orentitled to Online access on another person s behalf ( you or your ) and Bank of America, (Bank of America). This agreement governs youruse of any Online or mobile Banking services maintained by Bank of America and accessible through using a personalcomputer or a mobile device, including a smartphone, tablet, or any other eligible handheld or wearable communication device (the Service(s) ).

6 Under the terms of this agreement , you may use the Services to obtain financial products and services, access and view account information,and, for certain accounts, move money electronically and perform authorized transactions, for eligible Bank of America consumer andsmall business accounts and affiliate accounts linked to the Service, such as those at Merrill Lynch, Pierce, Fenner & Smith Incorporated("Merrill").When used in the agreement , the term small business includes sole proprietors, non-consumer business entities, and individual owners of thebusiness, unless the context indicates otherwise.

7 If you are a small business customer, additional or different terms and conditions applicable tothe Services, as well as additional Services available exclusively to small business customers, are included in the Business Services Addendum,which is a part of this you first set up your Online /Mobile ID, we will link all of your eligible Bank of America and affiliate accounts, including joint accounts. If youopen an additional eligible account at a later date, we will link your new account to the Service, unless you tell us not to do so. Unless indicatedotherwise by the context, "linked Bank of America accounts" or "linked accounts" refers to all of your accounts with Bank of America and itsaffiliates that are linked to the your Service is linked to one or more joint accounts, we may act on the verbal, written or electronic instructions of any authorized note that some of the Services may not be available when using certain digital devices or applications.

8 For example, some functions maybe available Online through a personal computer but not available through our mobile Accepting the AgreementWhen you apply for, enroll in, activate, download or use any of the Services described in this agreement or authorize others to do so on yourbehalf, you are contracting for all Services described in the agreement and agree to be bound by the terms and conditions of the entireAgreement, as well as any terms and instructions that appear on a screen when enrolling in, activating or accessing the Relation to Other AgreementsYour use of the Services may also be affected by your Deposit agreement and Disclosures, including the applicable schedule of fees ( DepositAgreement ), or other agreement with us for your linked Bank of America accounts and/or an agreement with our affiliates for your affiliateaccounts linked to the Service, including your investment accounts at Merrill.

9 When an account is linked to the Services, it does not change theagreements you already have with us or our affiliates for that account and you are still subject to the terms and conditions we gave you in theagreement and disclosure for the linked account. The terms and conditions for those account agreements, including any applicable fees,transaction limitations, liability rules and other restrictions that might impact your use of an account with the Services, are incorporated into thisAgreement. In the event of a conflict between the terms of those account agreements and this agreement , the terms of the applicable accountagreement will prevail unless this agreement specifically states you use the Services to move money between your investment accounts governed by the Merrill Lynch Brokerage Website Terms andConditions, which you agreed to when you became a Merrill Online customer, that agreement , and not this agreement will apply to Internal Transfer Services and Payments to Your Bank of America Loan Accounts From An External AccountA.

10 Transfers Between Your AccountsYou may use the Service to transfer funds between your linked Bank of America and Merrill accounts without a fee on either a one-time orrecurring basis, including as a payment to a linked installment loan, credit card or FromTransfer To$ LimitCut-off Time(all eastern PM)Your Checking/Savings accountYour Checking/Savings account$9,999, :45 Your Checking/Savings accountYour Investment account$9,999, :45 Your Investment account Your Checking/Savings or Loan account$100, per calendarday$250,000 per week4:45122,3 Your Checking/Savings accountYour Loan Account$9,999, :45 Your Credit Card/ Business Line ofCredit/HELOCYour Checking/Savings or LoanAccount$9,999, :45 There are no receiving limits for Internal Transfers between your own Higher limits may apply for Bank of America Private Bank, Merrill or small business Transfers to a Bank of America checking or savings account made after the applicable cut-off time indicated above but before 11.