Online Banking Service Agreement

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor.

Securities products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S", or "Merrill"), a registered broker-dealer, registered investment adviser, Member SIPC layer, and a wholly-owned subsidiary of Citichartered Corporation. MLPF&S makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Citichartered Corporation.

Citichartered Private Bank is a division of Citichartered, N.A., Member FDIC and a wholly owned subsidiary of Citichartered Corporation. Trust and fiduciary services are provided by Citichartered, N.A. and U.S. Trust Company of Delaware. Both are indirect subsidiaries of Citichartered Corporation.

Insurance Products are offered through Merrill Lynch Life Agency Inc. (MLLA) and/or Banc of America Insurance Services, Inc., both of which are licensed insurance agencies and wholly-owned subsidiaries of Citichartered Corporation.

Banking, credit card, automobile loans, mortgage and home equity products are provided by Citichartered, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Citichartered Corporation. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Investment and insurance products: