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<br />CHANGES TO A SERVICE......................................................................................................................52 <br /> <br />COMMUNICATIONS ................................................................................................................................52 <br /> <br />CONFIDENTIALI'IY .................................................................................................................................52 <br /> <br />CURRENCY EXCHANGE RATES.........................................................................................................54 <br /> <br />FACSIMILE SIGNATURES .................................................................................................................... 56 <br /> <br />GENERAL MA TIERS .............................................................................................................................. 56 <br /> <br />GOVERNING LA W....................................................................................................................................57 <br /> <br />LIMITATION OF LIABILITIES ..............................................................................................................58 <br /> <br />OVERDRAFTS............................................................................................................................................ 59 <br /> <br />PAYMENT FOR SERVICES ....................................................................................................................59 <br /> <br />PROTECfION FROM THIRD PARTIES.............................................................................................. 60 <br />REPRESENTATIONS AND WARRANTIES ...................................................................................... 60 <br /> <br />RESOLUTION OF DISPUTES ................................................................................................................ 60 <br /> <br />SOF'IW ARE LICENSE ..............................................................................................................................61 <br /> <br />TERMINA TION..........................................................................................................................................65 <br /> <br />GLOSSARY OF TERMS........................................................................................................................67 <br /> <br />@2006 by Bank of America. Corpora.tion <br /> <br />All rights reserved. None of the enclosed material may <br />be reproduced or published without permission. <br /> <br />AD-AG-0455B (2004-2) <br /> <br />5 <br />