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1. General Description of Online Banking and Transfers Outside Bank of America Service Agreement

Your use of Online Banking services or Transfers Outside Bank of America may also be affected by the agreements between us for your linked Bank of America accounts. When you link an account to Online Banking services or Transfers Outside Bank of America, you do not change the agreements you already have with us for that account. For example, if you link a MLPF&S investment account to Online Banking, the terms and conditions of your MLPF&S customer agreement(s) and/or user agreement(s) do not change. Similarly, when you use Online Banking services to access a credit account, you do so under the terms and conditions we gave you in the agreement and disclosure for the credit account. You should review those agreements for any applicable fees, for limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Online Banking services or Transfers Outside Bank of America.

2. Online Banking Services

Note: If you access Online Banking or Transfers Outside Bank of America through Bank of America's Downloadable Mobile Banking Applications ("Mobile Banking Apps"), www.bofa.mobi ("Mobile Web"), Personal Financial Management (PFM) software, or through an

indirect service, all of the features of Online Banking or Transfers Outside Bank of America may not be available, including, but not limited to, bill presentment. To access all of the features and services offered by Online Banking and Transfers Outside Bank of America, sign in directly through our web site at www.bankofamerica.com from a personal computer. Within Online Banking, you can also access optional services such as Bill Payment. Please refer to this Agreement, your applicable account agreement or fee schedule for information on fees for optional services.

B. Bill Payment Services

In addition to the Online Banking features listed above, Bank of America customers with eligible deposit accounts may also use the optional Bill Payment service.

If you are a Bank of America customer with a deposit account, you may use the Bill Payment service to:

  • Make one time or automatic payments online from a deposit or money market deposit account maintained at another financial institution to your Bank of America credit card(s) or vehicle loan account(s).
  • Receive credit card or vehicle loan e-Bills from Bank of America and view bill summary and detail information.

C. Email/Mobile Transfer Network Service

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