Bank of America 12/30/2021 (2) - Laserfiche WebLink

BANK OFAMERICA7' 4.2 Transactions exceeding the credit limit. You agree not to incur obligations which would cause the total credit limit for all of your Card Accounts to be exceeded. We may make available online tools and standard reporting for you to monitor Cardholder activity. If you do exceed the total credit limit for all of your Card Accounts,we may refuse any Transactions on all of your Card Accounts.We also may require the entire balance owing on your most recent Billing Statement to be immediately due and payable before we allow for further use of your Card Accounts. If an individual Card limit is exceeded,we may(i)refuse any Transactions as applicable on that Cardholder Account that is individually billed, until a payment is made to reduce the balance below the individual Cardholder's credit limit or,for centrally billed Cardholders, until you increase that Cardholder's credit limit or wait until the next billing cycle for the account credit limit to refresh and/or(ii) charge you a fee as set out in the schedule of charges currently in effect for you. 5. TRANSACTIONS IN OTHER CURRENCIES 5.1 Currency conversion. If you make a Transaction in a currency other than U.S. dollars, Visa or MasterCard will convert the charge or credit into a U.S. dollar amount. The conversion rate on the processing date may differ from the rate on the date of your Transaction. The exchange rate used by Visa will either be (i)a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may differ from the rate Visa receives, or(ii)the government-mandated rate in effect for the central processing date. MasterCard will use an exchange rate of either(i)a wholesale market rate or(ii)a government-mandated rate. 5.2 International Transaction Fee We may add a fee to the U.S.dollar amount of any Transaction that is made in a foreign currency (the "International Transaction Fee").The International Transaction Fee is set forth in the schedule of charges currently in effect for you and will be rounded up to the nearest penny,cent or centime(as applicable). 6. DISPUTES WITH MERCHANTS AND SUPPLIERS 6.1 Disputes with merchants and suppliers. We will have no liability for goods or services purchased using a Service, or for a merchant's or supplier's failure to honor purchases made with, or for a merchant's or supplier's failure to deliver goods or services purchased using a Service. If you have any questions, problems or disputes concerning the quality of any goods or services purchased using a Service, a purchase price discrepancy,warranty or other performance issues or any other purchase matter, you must contact the merchant or supplier directly. You may not rely on any claim or dispute concerning the purchase of goods or services using a Service to avoid your payment obligations under the Agreement. Notwithstanding the foregoing,where we processes any request for a Transaction refund through a card network on your behalf,which for the avoidance of doubt shall be processed in accordance with the operating rules and regulations of such card network,you agree that in a dispute with a merchant or supplier, we will be subrogated to your rights and each Cardholder's rights against the merchant or supplier and you will assign(and cause the Cardholder to assign)to us the right to assert a billing error against the merchant or supplier. You will, and will cause the Cardholder to,do whatever is necessary to enable us to exercise those rights. We may reverse from any Card Account any Transactions relating to the dispute. 6.2 Authorization for Transactions. A merchant or supplier may seek prior authorization from us before completing a Transaction. If you advise us in writing that you desire to prevent Transactions from merchants falling within certain categories we designate in our User Documentation,we will take reasonable steps to prevent authorization of Transactions from these types of merchants. However,we will not be liable to you if merchants or suppliers nonetheless accept a Card, Convenience Check or Card Account for other types of Transactions, or if authorization for a Transaction is not given.We may also refrain from authorizing a Transaction for any reason whatsoever in our reasonable discretion. 6.3 Forms of Consent. You need to consent to each Transaction(whether by a Cardholder giving consent or otherwise)so that we can verify that it is genuine.A Transaction can be consented to by: i. using a Card with the relevant card PIN or a signature; ii. using the account number and other details requested; iii. presenting a Card to the supplier's terminal if the Transaction is made using contactless technology;or iv. such other means as you and we may from time to time agree. We may deem Transactions which have not been consented to in one of the above manners to be unauthorized and we may decline to process such Transactions.This is in addition to any other rights we have to decline Transactions. 7. CONVENIENCE CHECKS If we provide Convenience Checks with regard to a Card Account,they may not be used to make payment on the Card Account. We may pay a Convenience Check and post its amount to the Card Account regardless of any restriction on payment, including a Convenience Check that is post-dated, that states it is void after a certain date or that states a maximum or minimum amount for which it may be written. Once paid, Convenience Checks will not be returned to you or the Cardholder. If you wish to stop payment on a Convenience Check, you must call us at the customer service number shown on your Billing Statement and provide such information as we request or is required under the relevant User Documentation. We will stop payment if we receive your request on or before the Business Day before the Business Day on which we would otherwise pay the Convenience Check. The date on which we would pay a Convenience Check may be prior to the date it would post to your Card Account. A stop payment order will remain in effect for up to six months. 00-35-61 B2NSBW 02-28-2020 AK Page 5 of 16 Bank of America — Confidential C 2020 Bank of America Corporation