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<br />GENERAL PROVISIONS <br /> <br />CHANGES TO A SERVICE <br /> <br />You may request us at any time to change the processing instructions for any Service. We <br />are not obligated to implement any requested changes until we have had a reasonable <br />opportunity to act upon them. In making changes. we are entitled to rely on requests <br />purporting to be from you. For certain changes, we may require that your requests be in <br />writing, in a form and manner acceptable to us, or be from an authorized person you <br />designate. In addition, certain requests for changes may be subject to our approval. <br /> <br />We may change, add or delete any of the terms and conditions applicable to any or all <br />Services upon 30 days prior notice to you in writing or by electronic means. Your <br />continued use of or failure to terminate any Service, after the effective date of the <br />change, will indicate your agreement to the change. <br /> <br />COMMUNICATIONS <br /> <br />Any written notice or other written communication to be given under the terms of this <br />Booklet will be addressed to the applicable address specified on the Authorization and <br />Agreement form you return to us, except as you or we specify otherwise in writing in <br />conjunction with your accounts or particular Services. Notices are effective upon receipt, <br />except as otherwise provided in this Booklet or any Materials. <br /> <br />You agree that we may electronically monitor and/or record any telephone <br />communications with you in those countries which permit that practice. If our records <br />about any such communication are different from yours, our records will govern. <br /> <br />If you choose to use unencrypted electronic mail to initiate payment requests or other <br />instructions or otherwise communicate with us, your use of such electronic mail with <br />respect to a Service will be subject to the terms and conditions of this Booklet and will <br />comply with the applicable User Documentation. In addition, you agree to bear the <br />risk that such electronic mail may be corrupted, modified, garbled or hacked or its <br />confidentiality may be breached by a third party and the risk that we will rely on such <br />mail, which appears to be from you but which is unauthorized, and that such reliance will <br />result in a loss. <br /> <br />CONFIDENTIALITY <br /> <br />OUR OBLIGATION <br />We acknowledge that information we obtain from you in connection with any Service we <br />provide to you under the terms of this Booklet may be confidential. We will maintain the <br />confidentiality of such information in accordance with our normal procedures for <br />safeguarding customer information and the policy reflected in the Bank of America <br />Corporation Code of Ethics. <br /> <br />1 <br /> <br />, <br /> <br />m' <br />