4/ For every track you want to make by us for you, you will be charged $25. For international transfers, additional fees may be levied from intermediate banks, beneficiaries and beneficiaries. Services are available 365 days a year and 24 hours a day, except during system maintenance and upgrades. In this case, a message is posted online when you log in to the online bank. Our call centres are available Monday to Friday from 7 a.m. to 10 a.m.m .m, Saturday and Sunday from 8 a.m. to 5 p.m..m.m, local time, except on public holidays, and can be contacted by contact numbers in the corresponding sections of this agreement. You can also email us at: For information on our privacy and security practices and a link to our U.S. Consumer Privacy Statement, please visit our website at www.bankofamerica.com/privacy For services, our business days are Monday to Friday, except on public holidays. Only for investment accounts, all stock market closures and public holidays (e.g.

B Good Friday) as well as public holidays are respected. We take no responsibility for our exchange rates. Any liability related to this information and the prices specified in it will, subject to the directive, including, but not limited, to direct, indirect or consequential damages, and any liability if our exchange rates differ from the prices offered or reported by third parties or are offered by us at another location, for another transaction amount or with any other means of payment (including, but not limited to, tickets, cheques, transfers, etc.). For transfers, the exchange rate applicable to the transfer is indicated in the data provided to you for the transfer in accordance with federal law. We may provide information about your accounts to consumer reporting agencies and other individuals or agencies that we believe have a legitimate purpose for obtaining information, as detailed in the account agreement for each account. Transfers are governed by the rules of all transfer systems by which transfers are made during the amended period, including, but not limited to, the National Automated Clearing House Association (“NACHA”) or real-time payment services (“RTP”). 6/ For international transfers, funds are deducted from your Bank of America account on the business day you order us to begin processing the transfer. Bank of America will send the payment on this business day and, with the exception of transfers, the recipient`s bank generally receives the funds 1 to 2 business days later and the funds are generally credited to the recipient within two business days.

Specific rules for transfers can be made in section 5.F. You can add a mobile phone number to your online banking profile. By adding a mobile phone number to your online banking profile, you confirm that you have the right to account for your account or that you have the account holder`s permission to use the mobile phone number for the online bank. You also agree to receive online banking notifications with Auto-Dialer technology and text message reception. According to the mobile phone plan, a fee can be charged for SMS. If you use the Services to move money between your investment accounts subject to the terms and conditions of the Merrill Lynch brokerage site, to which you agreed when you were a Merrill online customer, this agreement applies to your transaction, not this agreement. This agreement is between any authorized account holder, a person requesting a legal account or a licensed agent who is designated or authorized in the name of another person (“you” or “you”) and Bank of America, N.A. (Bank of America).

This agreement governs your use of online or mobile banking services managed by Bank of America and accessible by bankofamerica.com via a PC or mobile device, including a smartphone, tablet or other portable or portable device (the “services”).