designated deposit account with Bank of America when transactions occur on your deposit account, such as checks or other
debits, that if paid would cause the deposit account to be overdrawn (overdraft transactions). Overdraft protection transfers
include automatic transfers to cover deposit account fees. Overdraft protection transfers are processed after close of business
Monday through Friday and are treated as Overdraft Protection Cash Advances. Each day's overdraft transactions will be
totaled and rounded to the next $100 increment up to your available Cash Credit Line, regardless of who initiated the overdraft
transactions. For example, if your deposit account has a balance of $1.00 and a check or other debit item for $125 is presented
for payment, which if paid would cause your deposit account to be overdrawn, an overdraft protection transfer of $200 will be
made to your deposit account and an Overdraft Protection Cash Advance of $200 will post to this account. The Portion of Credit
Available for Cash on this account must be sufficient to cover the total amount of overdraft transactions (received by Bank of
America that day) rounded to the next $100 increment (but excluding any overdraft protection fee); otherwise one or more of
the overdraft transactions for that day will be rejected. However, if the Portion of Credit Available for Cash on this account
is greater than the overdraft transaction amount, but the Portion of Credit Available for Cash is insufficient for the overdraft
transaction amount to be rounded to the next $100 increment, then the amount of the overdraft transaction will be the amount
of your Portion of Credit Available for Cash. We will not assess an Overdraft Protection Cash Advance fee for any overdraft
protection transfer from this account to a linked Bank of America deposit account, if we determine that your deposit account is
overdrawn by a total amount less than $12.00, after we finish processing for the day. If your account is subject to an Overdraft
Protection Cash Advance fee, then overdraft protection transfers will be assessed the Overdraft Protection Cash Advance fee
for each such Cash Advance. Overdraft Protection transfers incur interest charges from the transaction date. We may permit
or refuse to permit any overdraft protection transfer that would cause you to exceed the Cash Credit Line on this account. This
overdraft protection feature will automatically be cancelled if this account is closed by either you or us, or at any time upon
your request. Your overdraft transactions remain subject to the terms of your deposit account with Bank of America, any related
enrollment agreement, and this Agreement.
TELEPHONE CALLS: CALLING, MONITORING AND RECORDING
You consent to and authorize Bank of America, any of its affiliates, or its marketing associates to monitor and/or record any of
your telephone conversations and other electronic communications with our representatives or the representatives of any of
those companies for reasonable business purposes including security and quality assurance. We will not remind you that we
may be monitoring or recording a call at the outset of the call unless required by law to do so.
Where you have provided a cell phone number directly to us, you consent and agree to accept servicing calls and text
messages to your cell phone from us. For example, we may place calls to you about fraud alerts or amounts you owe us
(collection calls) on your account. For any telephone or cell phone calls/communications we place to you, you consent and agree
that those calls may be automatically dialed including prerecorded messages or texts.
CREDIT REPORTING AGENCIES; COLLECTING AND SHARING
INFORMATION
You authorize us to collect information about you in order to conduct our business and deliver the top quality service you expect,
including information we receive about you, information we receive from third parties such as credit reporting agencies and
information about your transactions with us and other companies. You authorize us to share such information about you or
your account with our affiliates and others. You may have the right to opt out of some information sharing. For more details,
please refer to our Privacy Notice.
If you believe we have furnished inaccurate or incomplete information about you or your account to a credit reporting agency,
write to us at: Bank of America, N.A., Credit Reporting Agencies, P.O. Box 982238, El Paso, TX 79998-2238. Please include
your name, address, home phone number, and account number, and explain what you believe is inaccurate or incomplete.
BENEFITS
We may offer you certain benefits and services with your account. Any benefits or services are not a part of this Agreement,
but are subject to the terms and restrictions outlined in the Benefits Guide and other official documents provided to you from
time to time by or on behalf of Bank of America. We may adjust, add, or delete benefits and services at any time and without
notice to you.
WE MAY SELL YOUR ACCOUNT
We may at any time, and without notice to you, sell, assign or transfer your account, any amounts due on your account, this
Agreement, or our rights or obligations under your account or this Agreement to any person or entity. The person or entity to
whom we make any such sale, assignment or transfer shall be entitled to all of our rights and shall assume our obligations
under this Agreement, to the extent sold, assigned or transferred.
YOU MUST NOTIFY US WHEN YOU CHANGE YOUR ADDRESS
You must notify us promptly when you change your address. We may also change your address if so notified by the post office
or others.