Please read this Electronic Communications Disclosure ("eCommunications Disclosure") thoroughly - It contains important information about your legal rights. This eCommunications Disclosure covers all of your accounts, products, and services with Bank of America, Merrill Lynch, Pierce, Fenner & Smith Incorporated ("Merrill Lynch") and their affiliates (collectively, "we", "us", and "our") accessible, either currently or in the future, through Online Banking (whether accessed through a personal computer or mobile device, sometimes referred to as "Mobile Banking"), our websites, or other electronic means. This includes, but is not limited to, the following account, product, and service types: deposit accounts, credit card, charge card, line of credit, loan, mortgage, brokerage accounts, investment advisory, insurance policies and other services. The words "I", "you" and "your" mean each account holder, product owner and/or service user identified on an account, product or service.

Certain laws and regulations require us to provide specific information to you in writing, which means you have a right to receive that information on paper. We may provide such information to you electronically if we first present this eCommunications Disclosure and obtain your consent to receive the information electronically. Your consent will also apply to any other person named on your account, product or service, subject to applicable law. Since certain of our accounts, products or services are provided online and use electronic means to deliver some of this information, you must consent to this eCommunications Disclosure in order to use these services. At times, we may still send you paper communications, but as a basic proposition we need to know that you are willing to receive communications electronically that we may otherwise be required to provide on paper and that you have the hardware and software needed to access to this information (and note that in Section No. 3 below, we explain ways to obtain selected disclosures or other information on paper even after you have consented to this eCommunications Disclosure).

You understand and agree that we may provide to you in electronic format only, by posting the information on the website where you access your accounts, products or services, through e-mail (if applicable and if you have provided a valid e-mail address), or other electronic means, agreements, disclosures, notices, and other information and communications regarding your accounts, services and products, the use of our websites or our other electronic services, your relationship with us, and/or other programs, products or services that are or may be in the future made available to you (collectively, "Communications"). Such Communications may include, but are not limited to:

• This eCommunications Disclosure and any updates;
• The Online Banking Service Agreement, other service or user agreements for access to our websites or other electronic services, all updates to these agreements and all disclosures, notices and other communications regarding transactions you make through websites or our other electronic services;
• Disclosures, agreements, notices and other information related to the opening or initiation of an account, product or service including, but not limited to, account agreements, fee schedules or other disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations;
• Periodic, annual, monthly or other statements, disclosures and notices relating to the maintenance or operation of an account, product or service including, but not limited to account information, account activity, account inactivity, payments made or due, or other statements, disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations;
• Investment account disclosures, agreements, statements, trade confirmations, tax reporting statements, shareholder notices, prospectuses, service notices and performance reports regarding accounts, products and services;
• Any notice or disclosure regarding an account, product or service fee, such as a late fee, an overdraft fee, an overlimit fee, a fee for a draft, check or electronic debit returned for any reason, such as insufficient funds fee or a fee as a result of a stop payment order;
• Any notice of the addition of new terms and conditions or the deletion or amendment of existing terms and conditions applicable to accounts, products or services you obtain from us;
• Our Privacy Policy and other privacy statements or notices (by posting such notices on our website);
• Certain tax statements or notices that we are legally required to provide to you, such as the annual IRS interest statements; and
• Certain information or forms that we request from you and ask you to submit electronically, such as signature cards, W-9s, or other agreements.

After you consent to this eCommunications Disclosure, you will still be able to set your preferences to receive certain categories of Communications in (1) both electronic and paper format; (2) electronic format only; or (3) paper format only. Setting your Communications preferences may not be available for all products, accounts or services. For more information on the availability of your electronic communications preference management options, please refer to the appropriate electronic communications preference page on the website where you access your Communications. If you decide to receive some Communications in paper and some electronically, the Communications that you receive electronically will be governed by this eCommunications Disclosure.

This eCommunications Disclosure does not apply to any communications that we determine, in our sole discretion, that we are required to deliver in paper form under applicable law or that you should receive in paper rather than electronic form.

Such communications shall be mailed to the primary address we show for you in our records or otherwise delivered as required by law or the governing agreement.

While you may be able to access and retain the Communications using other hardware and software, we currently support the following minimum requirements:

For Online Banking through a personal computer:

• An operating system, such as:
  • Windows NT, 2000, ME, XP, Vista, or Win 7; or
  • Macintosh OS 10.x
• Access to the Internet and a compatible Internet browser which supports HTML 4.0 and 128bit SSL encryption and Javascript, such as:
  • For PC using Windows NT, 2000, ME, XP, Vista, or Win 7
    • Microsoft Internet Explorer 7.0 and higher
    • Firefox 3 and higher
    • Chrome 3.0 and higher
  • For Macintosh using OS 10.x
    • Safari 3.0 and higher
    • Firefox 3 and higher
    • Chrome 4.0 and higher

For Online Banking through a mobile device ("Mobile Banking"):

• A mobile device with a compatible operating system, such as:
  • iOS 6 and higher
  • Android OS 4.0 and higher for mobile handsets
• and either:
  • Access to the Internet using the default browsers included by your mobile device manufacturer; or
  • The latest Bank of America Mobile Banking App compatible with your device platform

Note: "Mobile Banking" refers to tablets, smartphones and cell phones that access Online Banking through Bank of America's Mobile Banking Apps or through www.bofa.mobi

For Merrill Lynch websites:

• You must have access to a personal computer with compatible browser software such as Microsoft Internet Explorer; Adobe Acrobat Reader; and Internet access (at your cost).
• Browser and reader versions necessary to view the Merrill Lynch websites are as follows:
  • Microsoft Internet Explorer version 6.0 and later
  • Firefox version 3.5 and later
  • Safari version 3.2 and later

Most Communications provided within our websites are provided either in HTML and/or PDF format. For Communications provided in PDF format, Adobe Reader 6.0 or later versions is required - A free copy of Adobe Reader may be obtained from the Adobe website at www.adobe.com.

In certain circumstances, some Communications may be provided by e-mail. You are responsible for providing us with a valid e-mail address to accept delivery of Communications. At our option, we may also post the emailed Communications within our websites. In this situation, you agree that once we email the Communications to you and post them within our websites, that we have delivered the Communications to you in a form that you can retain.

To print or download Communications you must have a printer connected to your device or sufficient hard-drive or other storage space to store the Communications.

Subject to applicable law, you may withdraw your consent to this eCommunications Disclosure by calling the appropriate toll-free customer service phone numbers. For Online Banking the customer service phone numbers are available through the Help & Support Page. For other Bank of America websites, please access the "Contact Us" link to find the appropriate phone numbers. You will not be charged a fee for withdrawal of your consent.

For Online Banking, if you withdraw your consent to this eCommunications Disclosure, we may stop providing you with Communications electronically and we may terminate your Online Banking access. Your withdrawal of consent is effective only after you have communicated your withdrawal to Bank of America by calling the appropriate customer service phone numbers and Bank of America has had a reasonable period of time to act upon your withdrawal. Your consent shall remain in force until withdrawn in the manner provided in this section.

Merrill Lynch currently maintains separate consent withdrawal processes. For online Merrill Lynch clients who wish to withdraw their consent to the eCommunications Disclosure for their Merrill Lynch products and services, please contact 1800 MERRILL for assistance.

Remember that you can always set your Communications preferences as described in Section 3 above without withdrawing your consent to this eCommunications Disclosure.

Consent Coverage; Certain Notices From You Are Not Covered. Applicable law or contracts sometimes require you to give us "written" notices. You must still provide these notices to us on paper. Your consent here does not relate to those notices.

You may print or make a copy of Communications by using the "Print" button (or otherwise using your printing functionality) or saving a copy - do this when you first review the Communications because after submission we do not necessarily keep them all in a place that you can access. Upon request, we will provide you with a paper copy of any Communications provided electronically by us to you pursuant to this eCommunications Disclosure, provided we receive your request within 12 months after the date the Communication was first made available to you electronically. You may request a paper copy of these Communications by calling us at the appropriate toll-free customer service phone number for your account, product or service. Please refer to the Help & Support Page within the Online Banking or the Merrill Lynch websites or the "Contact Us" link on the Bank of America website to find the appropriate customer service phone number.

Be sure to specify your account, service or product identification number, as applicable, the specific Communication for which you are requesting a paper copy, and the address to which it should be mailed. We may charge fees for paper copies of the Communications.

In the event that your e-mail address or other contact information is changed, you must notify us of such changes immediately through one of the following methods:

• For Online Banking, access the Help & Support page within Online Banking and click the appropriate links on "Your Profile Information" to update your contact information. Note: The Help & Support page is not yet available if you are accessing Online Banking through a mobile-optimized experience (e.g., Mobile Banking App or www.bofa.mobi). You will need to log in to Online Banking using a desktop browser to access this page.
• For Merrill Lynch websites, access the Profile page and click on the appropriate links on the "Personal Information" page to update your contact information; or
• Call the appropriate toll-free customer service phone number and communicate the contact information changes.

If you fail to update or change an incorrect or invalid e-mail address or other contact information, you understand and agree that any Communications shall nevertheless be deemed to have been provided to you if they were made available to you in electronic form on our websites, e-mailed to the e-mail address we have for you in our records, or delivered through other electronic means.

We recommend that you print or download a copy of this eCommunications Disclosure, the applicable service agreement and all other Communications to retain for your permanent records; if you have not already placed a copy of our Privacy Policy in your records, you can obtain another copy of our privacy policy .

Online Banking and Transfers Outside Bank of America Service Agreement and Electronic Disclosure

Note: If you access Online Banking or Transfers Outside Bank of America through Bank of America's Downloadable Mobile Banking Applications ("Mobile Banking Apps"), the mobile-optimized version of the Bank of America website ("Mobile Web"), Personal Financial Management (PFM) software, or through an 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 from a personal computer. 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.

The additional services described in this Section 7 are available only if you also enroll in the Online Business Suite or if you are a payroll customer. 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.

Transfers sent outside of the United States that are initiated by consumers primarily for personal, family or household purposes ("Remittance Transfers"), are governed by a new federal law (see section 8.H below). This Agreement governs not only Remittance Transfers, but also certain other transfers that are sent outside of Bank of America as described in section 8.A below. Beginning on the date set forth in the final rule implementing Section 919 of the Electronic Funds Transfer Act ("EFTA"), 15 U.S.C. Section 1693o-1 (the "Effective Date"), your rights and obligations with respect to Remittance Transfers, as set forth in EFTA, may vary in certain ways from the terms and conditions applicable to other types of transfers. Your rights with respect to Remittance Transfers, including error resolution and cancellation rights, will be explained to you at the time you initiate each Remittance Transfer and are also contained in Section 8.H below.

For transfers other than Remittance Transfers, including general questions, requests for 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
FL1-300-02-07
P.O. Box 25118
Tampa, FL 33622-5118

For Remittance Transfers, please see the contact information in Section 8.H. below.

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 are a customer residing in the United States, 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 U.S. Consumer Privacy Notice.

We reserve the right to amend, cancel, change, discontinue, or suspend BankAmeriDeals, in whole or in part, at any time in our discretion with or without notice to you, and any such action shall be effective as of the time we determine. However, in all instances, we will provide cash back in accordance with the terms of this Section (BankAmeriDeals) for all deals redeemed prior to the action.

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

Online Business Suite Addendum

The FICO Score Service is provided pursuant to these terms and conditions and the other applicable terms and conditions of this Online Banking Service Agreement, as each may be amended from time to time. The FICO Score Service gives you the opportunity to view your FICO Bankcard Score 8 ("FICO Score") credit score in Online Banking at no charge, along with two key factors affecting that particular FICO Score. FICO is a registered trademark of the Fair Isaac Corporation ("Fair Isaac") in the United States and other countries. This FICO Score is solely determined by the information in your file at TransUnion (one of the three major consumer reporting agencies) and is created using Fair Isaac's proprietary model. Your FICO Score may vary from consumer reporting agency to consumer reporting agency and other lenders may use scores from one of the other two major consumer reporting agencies. TransUnion and Fair Isaac are third parties not affiliated with Bank of America and Bank of America makes no representation or warranty related to the FICO Score.

Bank of America is providing you access to your FICO Score and related content only for educational purposes and your personal, non-commercial use. Only Bank of America customers with an eligible consumer credit card account (e.g., an open account with active charging privileges) may enroll in the FICO Score Service. At this time, the FICO Score Service is not available in Mobile Banking. We reserve the right to amend, cancel, change, discontinue, or suspend the FICO Score Service and/or your access to it, in whole or in part, at any time in our discretion with or without notice to you, and any such action shall be effective as of the time we determine.