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13. RELATIVITY. This agreement benefits and binds the estates and transfers of the parties. 6. Other agreements. You and we may have separate agreements for certain commercial banking services we provide, including z.B of the terms and conditions of your account. In the event of a conflict between the terms of other agreements between you and us and this agreement, the provisions of this agreement apply and prevail. In order to avoid any doubt, eCorp transactions are not subject to any provision of another account or loan agreement with us that requires two signatures at each review, subscription application or other instruction. By launching an eCorp transaction, you expressly waive the obligation to sign or authorize two or more authorized persons and you will remove us from the responsibility of acting in accordance with the eCorp transaction. For information about our privacy and security practices and a link to our U.S. consumer privacy policy, please visit our website at www.bankofamerica.com/privacy By signing below, you acknowledge that you have been informed of the additional security measures available to protect your accounts from fraud and other unauthorized activities.

If you opt for some of these measures, you may need to sign an additional timetable or agreement outlining the specific procedures, conditions and conditions of each action. If you refuse to use one or more of these enhanced measures, you agree to assume any liability in the event of losses or other damages that may result. For example, if you refuse ACH filters and your accounts are exposed to fraud that could have been prevented or mitigated by the use of ACH filters, you keep us unscathed and accept that you take full responsibility for those losses or damages. They recognize that we can offer certain products that can reduce the risks associated with certain services. These products may be subject to a tax. We may also draw your attention to other products in the future to further reduce the risk of future threats to services. If you continue to use the services without complying with the extensive security measures we can offer now and in the future, you understand and accept that you assume any liability resulting from losses or damages that might otherwise have been avoided by such measures. By registering online and in mobile banking, you will automatically be enrolled in the bank`s reseller rewards program, BankAmeriDeals, in which the bank shares anonymized transaction information with suppliers to facilitate your participation in the bonus program and submit offers that may be of interest to you.

By participating in BankAmeriDeals, the Bank will also share anonymous transaction information with participating resellers, third parties and card networks to manage your benefits and rewards. As always, we use personal data only when necessary and in accordance with our online privacy policy and the U.S. Consumer Privacy Statement. iv. Receiving and filing files. After receiving a forwarded file, we can check the file. The images in a file must be of such a quality that the information about the item can be read clearly by visual control. If we find an error in a file, we can either refuse the entire file or correct the error. If, after verification, we discover that a file (i) is of an appropriate image quality, that (ii) is balanced, that it contains no errors and that (iii) has been created in accordance with our procedures, we accept this file (“Accepted File”) for deposit on the billing account.