Note: These liability rules are established by Regulation E, which transposes the federal electronic money transfer law and does not apply to corporate accounts. Our accountability policy for unauthorized online banking on consumer deposit accounts can provide you with increased protection, provided you report transactions immediately. In addition, state legislation applicable to your account may give you more time to report an unauthorized transaction or offer you more protection. Your use of the Services may also be affected by your filing agreement and disclosures, including the applicable pricing plan (“deposit contract”) or any other agreement with us regarding your related Bank of America accounts and/or an agreement with our related companies for your service-related accounts, including your investment accounts at Merrill. If an account is linked to the Services, it does not change the agreements you already have with us or our related companies for that account, and you will continue to be subject to the terms and conditions we have given you in the agreement and disclosure of the linked account. The terms and conditions of these account agreements, including all fees incurred, transaction restrictions, liability rules and any other restrictions that may affect your use of an account with the Services, are included in this Agreement. In the event of a conflict between the terms and conditions of these account agreements and this agreement, the terms of the applicable account agreement are prevalent, unless that agreement otherwise disposes of them. By participating as a user, you declare that you are the owner of the email address, mobile phone number and/or any other aliases you have registered, or that you have the delegated legal authority to act on behalf of the owner of such an email address, your mobile phone number and/or other aliases to send or receive money, as described in this agreement. You accept receipt of emails or text messages from us, from cells, from other users who send you money or ask you for money, and from other network banks or their agents regarding the services or associated remittances between you and network banks. You accept that we, the cell or our agents, we can use automatic telephone voting systems in conjunction with text messages sent to any cell phone number you record. You also acknowledge and accept: If you sign up for the use of the Service or if you allow others to whom you have delegated to act on your behalf, you accept the terms of this Agreement. You declare that you have the right to authorize withdrawals and credits from the registered bank account. You agree that you do not use the service to send money to people to whom you send payments for tax payments, payments in accordance with court orders (including court-designated amounts for food or child welfare), fines, payments to credit sharks, gambling debts or payments prohibited by law, and you agree that you do not use the service to ask someone for such payments.

We have partnered with the cellĀ® Network to allow money to be transferred between you and others registered directly with the cell or other financial institution that collaborates with the cell (a “user”) via aliases such as email addresses or mobile phone numbers. We call financial institutions that have partnered with Zelle as “network banks.” 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.

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