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<br />TREASURY SERVICES <br /> <br />We offer a wide variety of treasury services. Each Service has many features and options. <br />Your treasury selvices representative will be happy to describe these to you and to <br />recommend those that will best meet your needs. <br /> <br />A List of Banks and Services is enclosed with this Booklet. This list includes the names of <br />each Bank of America Corporation subsidiary bank offering Services under this Booklet <br />and the names under which we currently offel' those Services. Please contact your <br />treasury services representative at any time if you wish to receive an updated list. <br /> <br />ACCOUNT RECONCILEMENT <br /> <br />Our Account Reconcilement Services will help you reconcile and manage the credit <br />and debit activity in your accounts. Detailed information regarding such Services is <br />available in the applicable User Documentation. <br /> <br />Your use of an Account Reconcilement Service does not affect any of your obligations, <br />which are described in the applicable Account Agreement, to discover and report with <br />respect to your accounts (including joint accounts where permitted): (i) unauthorized <br />signatures, alterations or endorsements on checks and (ii) unauthorized Requests <br />and other discrepancies. Your use of this Service or our receipt of information <br />associated with this Service does not increase our duty with respect to accounts or the <br />payment of checks. <br /> <br />AUTOMATED CLEARING HOUSE (ACH) <br /> <br />This section applies only to ACH Services within the United States of America and <br />does not apply to cross-border ACH transactions and other International Electronic <br />Funds Transfers which are covered by the "Wire Transfers and International <br />Electronic Funds Transfers" section in this Booklet. <br /> <br />Our ACH Services allow you to transfer funds to or from your accounts by initiating <br />Entries which may be sent through the ACH system or processed directly to accounts <br />with us. <br /> <br />We may send Entries to any ACH processor selected by us or directly to another bank. <br />Each ACH Service is described in the applicable User Documentation. You authorize <br />us to issue Depository Transfer Checks (DTCs), as instructed by you or as reasonably <br />determined by us to be appropriate. The capitalized ACH terms appearing in italics <br />below are defined in the NACHA Rules. <br /> <br />COMPLIANCE WITH NACHA RULES AND LAWS <br />You agree to comply with the NACHA Rules for all Entries, whether or not an Entry is <br />sent through the ACH network. You act as Originator and we act as Originating <br />Depository Financial Institution (ODFI) with respect to Entries. You will deliver <br />Entries to us as provided in the User Documentation and the NACHA Rules. The <br />NACHA Rules govern if they conflict with this Booklet, except that the file <br />specification requirements in the User Documentation govern if they conflict with the <br />NACHA Rules. <br /> <br />AD-AG-0455B (2004-2) <br /> <br />7 <br />