Service Agreement With Bank

7. Improved security. They recognize that we can offer certain products that can reduce the risks associated with certain services. These products may be subject to a tax. We may also draw your attention to other products in the future to further reduce the risk of future threats to services. If you continue to use the services without complying with the extensive security measures we can offer now and in the future, you understand and accept that you assume any liability resulting from losses or damages that might otherwise have been avoided by such measures. If you sign up for the use of the Service or allow anyone you must work on on your behalf to use or access it, you agree to 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. 19. Changes.

We can amend this agreement at any time by informing you. The changes take effect on the date indicated in the notice. Your continued use of the Services, after communicating the changes, represents your acceptance of the changes. For more conditions for the changes, see section 20. Service. We offer a positive payment service. The positive payment compares your cheque information to paid cheques that are booked into your account and notifies you by email if exceptions are available for verification. You can make positive decisions about pay withdrawal online via eCorp.

You can keep total control of any exceptions and display exceptional images to verify the data. To participate in Positive Pay, you must use eCorp and have at least one account. You can use the service to transfer funds between your bank of America-linked accounts, free of charge, on a single or recurring basis, including as a payment to a bound installment credit, credit card or mortgage. We can determine an exchange rate and assign it without notice to your transaction. Exchange rates vary, sometimes significantly, and you recognize all the risks that may result from these fluctuations. If we assign an exchange rate to your exchange rate, this exchange rate will be determined by us solely at our discretion on the basis of factors that we deem relevant, including, but not limited, to market conditions, exchange rates calculated by other parties, our desired price, market risk, credit risk and other market, economic and commercial factors, and may be modified at any time without notice. They recognize that the exchange rates of private and commercial transactions, as well as transactions based on normal business hours and weekends, are different from exchange rates for large interbank transactions made during the business day, as can be reported in the Wall Street Journal or elsewhere. Exchange rates offered by other merchants or posted to other sources by us or other merchants (including online sources) may differ from our exchange rates. The exchange rate you offer yourself may be different from the exchange rate we pay for the purchase of the underlying currency. We use the right to refuse processing foreign exchange transaction requests. We only use personal data in accordance with our online privacy policy and the U.S. Consumer Protection Statement.

For more information, please visit our website at www.bankofamerica.com/privacy. b. « Authorized Person » refers to any user you have designated who is authorized to make transactions in accordance with this Agreement, while that person is authorized to transfer or withdraw funds from your comp