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<br />CLIENT AGREEMENT FOR COMMERCIAL AUTOMATED INVESTMENT ACCOUNT CONCENTRATION. LIQUIDITY SHARES <br /> <br />12 Indemnification and Liability. If Bank of America refers this Agreement to its attorneys for collection or enforcement, the Client <br />shall pay Bank of America's attorneys' fees and other costs of collection or enforcement. The Client shall indemnity, defend and <br />hold Bank of America harmless from and against any and all claims of any person which might arise or result from, or in any way <br />relate or pertain to, actions taken or not taken by Bank of America pursuant hereto. Bank of America shall not be liable for any <br />failure to perform or delay in the performance of the services provided for under this Agreement due to any causes beyond its <br />control, including, but not limited to, riots, fires, floods, acts of God or public enemies, degradation or interruption of telephone or <br />other communication service, utility power outages or surges, or unusually severe weather conditions. The Client agrees that Bank 1 <br />of America shall not be liable on account of any action, omission or information in connection with any Investment, except for Bank <br />of America's gross negligence or willful misconduct. <br /> <br />13, Monthly Investment Account Statement. Bank of America will furnish to the Client monthly statements of each Investment <br />Account. The Client agrees that the form and timing of the periodic statements are acceptable to the Client as confirmation of the <br />Investments. The Client understands that, under applicable law, if the Client retains investment discretion, the Client is entitled to <br />receive, at no extra cost, a written notification at or before completion of each Money Market (Liquidity Class) Fund Investment <br />transaction which lists Bank of America's remuneration for such transaction or, if Bank uses a registered broker-dealer's <br />confirmation, a copy of such confirmation within one business day from Bank's receipt thereof. The Client agrees to waive this <br />right. <br /> <br />14. Miscellaneous. The foregoing terms and conditions of this Agreement constitute the entire understanding of the parties with <br />respect to the s!Jru.ect matter hereof. This Agreement will be governed by and interpreted, construed and enforced under the laws <br />of the State of T.lAj, (Lf, with respect to such Investment. <br /> <br />1 <br /> <br />1 <br /> <br />00-35- 2512NSBW 10-2004 <br /> <br />3 <br /> <br />@ 2004 Bank of America Corporation <br />