16.2THE BANK MAY TAKE THE ADDITIONAL MEASURES AND USE THE PROCEDURES IT DEEMS APPROPRIATE TO VERIFY THE AUTHENTICITY OF A TRANSFER. THE BANK MAY DELAY THE EXECUTION OF A TRANSFER UNTIL A REMINDER HAS BEEN MADE OR ANOTHER FORM OF VERIFICATION SATISFACTORY TO THE BANK HAS BEEN RECEIVED. IF THE BANK IS UNABLE TO OBTAIN SATISFACTORY VERIFICATION, IT MAY, AT ITS SOLE DISCRETION, REFUSE TO EXECUTE A TRANSFER. Under no circumstances can the Bank be held responsible for delays in the execution of a transfer or the non-execution of a transfer due to the lack of satisfactory verification. We will determine if an error has occurred within 10 business days of your news and we will promptly correct any errors we have made. However, if we need more time, we may need up to 45 days to investigate your complaint or question. In this case, within 10 business days, we will provisionally credit your account with the amount you consider to be an error so that you can use the money for the time it takes us to complete our investigation. If we ask you to submit your complaint or question in writing and we do not receive your letter within 10 business days, we reserve the right not to grant your account interim credit. For errors related to new accounts, we may need up to 90 days to investigate your complaint or issue and up to 20 business days to provide your account with interim credit. A transmission transmitted via the Service cannot be cancelled once the Recipient has registered. If the recipient has not yet registered, you can cancel by going to the Cell section of the Bank of America website or mobile app and tapping Activity. 9.2 The Client is strictly responsible for establishing and maintaining its own reasonable and commercially reasonable security procedures to protect against the unauthorised transfer of transfers to the Bank.

The Client must establish or allow access to unauthorized transmissions, disclosures and access to security-related elements, including information related to the transmission of transfers, such as security procedures, instructions, passwords and user identifications, as well as systems and devices connected to the Bank, its information, systems and devices (hereinafter collectively referred to as ”Security Related”), and protect against it. Customer shall establish, maintain and apply its own commercially reasonable security practices, techniques and procedures with respect to access, storage and maintenance of security-related elements in order to protect against unauthorized transmission and access to security-related elements. Such practices, techniques and procedures shall not be inferior to the security requirements described in this Annex or otherwise applicable to the Service. You have the option to 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 are the mobile phone account holder or that you have the account holder`s permission to use the mobile phone number for online banking. You also agree to receive online banking notifications using auto-dial technology and to receive text messages. Depending on your carrier, text messaging charges may apply. Wire transfers sent outside the United States and initiated by consumers primarily for personal, family, or household purposes (”Bank Transfer Transfers”) are subject to federal law (see Section 5.F below). This Agreement governs not only bank transfers, but also certain other transfers between your linked accounts with Bank of America and your accounts with other financial institutions or to someone else`s account using an account number and financial institution ID. To the extent that the intellectual property rights in account information or third party information are held, you agree to grant us a perpetual, irrevocable, royalty-free, sublicensable, transferable license to use, reproduce, modify, and adapt the information for the purpose of providing you with Cash Flow Monitor.

1. Service.The Service described in this Annex provides the Customer with the opportunity to transfer funds from certain deposit accounts to other accounts (the ”Recipient Accounts”) in accordance with the Customer`s instructions. Recipient accounts may be customer accounts or accounts of domestic third parties (based in the United States) or accounts of international third parties (non-U.S.) and may be located at the bank or at third-party domestic financial institutions. Customer may use the Service to initiate one-time transfers or automated standing transfer orders (as described below) or to create models of repeated transfers to the same Customer Account and recipient Account (”Repeated Transfer(s)”). The client may also use repetitive transfers to initiate automated perpetual transfer orders, as described below. All transfers must be initiated by the Customer and/or an authorized user of the Customer. 22. Governing Law.

In addition to the terms of the parties` agreement, the parties agree that if a payment order governed in this Annex is part of a money transfer subject to the Federal Act on Electronic Money Transfer, all acts and disputes between the Customer or a third party provider (as defined in the Contract) acting on behalf of the Customer and the Bank will be subject to Article 4A of the UCC, as amended by this Annex. With regard to the business transfer agreement, it was explained that some acquisitions worldwide are made as a result of business transfer agreements leading to the transfer of the DEZ unit from the Indian company to the acquirer on a going concern basis. 2. The error or problem with the transmission and why you believe it is an error or problem; With the Account Management Service, you can set up individual account access levels (including individual access to Bill Pay) in online banking. There is a monthly account management fee of $15.00, which is waived for the first three (3) calendar months after registration for the Service. The monthly account management fee is eliminated if you have Business Advantage Checking. Your use of the Services may also be affected by your deposit agreement and disclosures, including the applicable fee schedule (”Deposit Agreement”) or any other agreement with us for your linked Bank of America accounts and/or an agreement with our affiliates for your partner accounts associated with the Service, including your investment accounts with Merrill. If an account is linked to the Services, this does not change any agreements you have already entered into with us or our affiliates for that account, and you will continue to be subject to the terms we have given you in the agreement and disclosure for the linked account. The terms of these Account Agreements, including applicable fees, transaction restrictions, liability rules, and other restrictions that may affect your use of an account on the Services, form part of this Agreement. In the event of any conflict between the terms of these Account Agreements and this Agreement, the terms of the applicable Account Agreement shall prevail, unless expressly stated otherwise in this Agreement. You agree that any service provider that assists us in providing you with Cash Flow Monitor may rely on your permission and the grant of a limited power of attorney, disclaimer of warranties and limitation of liability sections in this Addendum above, and that such providers are third party beneficiaries of this Agreement for the purposes of those sections, with the power to: enforce these provisions, as appropriate.

You may use Cash Flow Monitor and the Connected Applications (”Cash Flow Monitor”) to access services offered by Bank of America, its affiliates or third parties not affiliated with Bank of America. You agree that if you use Cash Flow Monitor to access Services operated by third parties, in addition to the terms of the agreements and other applicable agreements described in this Addendum, you will be subject to all terms and conditions set forth by such third parties and that this section does not modify any of these Terms. You agree that only third parties are responsible for the services they provide, and if you have any problems with third parties, you should contact them directly. .