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R-1142-08 i RESOLUTION NO. 1142-08 CERTIFICATION—Section One (For Corporations,Limited Liability Companies,Partnerships,and Trusts)* Each person executing this Certification on behalf of M tAm1 6++oV#UA&E (insert name of Entity), a citwoAA)MOV.-V insert form of organization)organized under the laws of 'PLea&4 DP. (insert jurisdiction of organization) and having a principal place of busmess/address at 1 oGao ML V40 dWE+ M1 to l4 i f sibo ,Q.sy P'i.aMBS (insert address of principal place of business)(and,if applicable,on behalf of those entities listed on an attached Annex A**,collectively,the"Enti ),being duly authorized hereby certifies to Bank of America,N.A.(`BANA"),Banc of America Securities LLC("BAS")and each of their affiliates(together,the"BANA Entities")that(a) the Entity is duly organized and existing;(b)no limitation has been imposed on the lawful powers of the Entity by its organizational documents,by applicable law or otherwise;(c)each BANA Entity,its successors and assigns and each of its respective directors,officers,agents and employees(each,a"Released kg[V')is authorized to rely on this Certification and the attached Resolutions and is hereby released and forever discharged from and against any and all liabilities,costs,damages and expenses(including reasonable attorneys'fees)incurred by any Released Party in connection with such reliance,which release and discharge shall he in addition to any rights a Released Party may otherwise have and shall survive any revocation of the Certification with respect to transactions entered into prior to such revocation;and(d)(mark the appropriate box below): © ❑ If the Entity is a corporation,limited liability company or other entity that is governed by a Board of Directors or similar eoveraine body. the Resolutions attached hereto(i)have been duly adopted by the Board of Directors or similar governing body of the Entity,(ii)are currently in full force and effect,(iii)conform with the provisions of the charter and bylaws or memoranda and articles of association and(iv)are within the Entity's lawful powers;or ❑ If the Entity is a partnership,limited liability company,trust or other entity that is not governed by a Board of Directors or similar governing body.(i)this Certification conforms with the organizational documents of the Entity and is within the lawful powers of the Entity;(ii)each of the Entity,and each Authorized Person(as defined in the"First"Resolution attached hereto),possesses the authority under its organizational documents to take the actions described in Resolutions"First,"if applicable,"Third"and attached hereto,to the same extent and in the same manner as if such authority had been conferred by such Resolutions;(iii)each of the undersigned is authorized to certify as to the specimen signatures of the Authorized Persons,(iv)the authority of each Authorized Person,his or her delegees,and his or her successors shall continue until an officer of BAS and/or BANA,as applicable,has received and has had a reasonable time to act upon written notice of the revocation thereof or change thereto and the Entity shall be responsible for all transactions entered into prior to effectiveness of such notice;and,if applicable, If the Entity is organized as a partnership,each of the undersigned further certifies,on behalf of the Entity,that, in the event of the death,retirement, withdrawal or termination of any general partner of the partnership:(i)the remaining partners will immediately notify an officer of BAS and/or BANA,as applicable,of such fact;and(ii)each BANA Entity is authorized to take such action,require such papers,retain such portions of and/or restrict transactions in the Entity's account(s)as it may deem advisable to protect against any tax,liability,penalty or loss under any present or future laws or otherwise. The actions taken prior to the execution of this Certification by any Authorized Person in connection with or related to the matters set forth in or reasonably contemplated or implied by the foregoing Certifications are hereby ratified and certified to be,in all respects,the acts and deeds of the Entity. NOTE:IF EACH INDIVIDUAL SIGNING BELOW IS ALSO NAMED IN THE ATTACHED"FIRST"RESOLUTION(Section Two below)AS AN AUTHORIZED PERSON,ADDITIONAL INDEPENDENT EVIDENCE OF AUTHORITY FOR AT LEAST ONE SUCH INDIVIDUAL MAY BE © REQUIRED(for example,an Incumbency Certificate). Name Title Name Title -r+bN� S S. gENTb� I�tcc,► ;4ftW +�>e2rR Nous Mayou. xrgn # L �Dat Signature pate Name Title Name Title Signature Date Signature Date X Please affix seal here or check the box below if no seal is available: ® ❑ No seal is available. [SEAL] *The Entity may,if it prefers,submit its own form of certification and resolutions addressing the investment authority of the Entity and the persons authorized to act on its behalf. **If an Annex A is attached to this Certification identifying one or more other entities that are controlled by the governing body of the Entity(collectively, "Additional Entities'),the term`Entity,"as used in these Resolutions,shall include each such Additional Entity unless the context otherwise provides. 250 v05 11/29/06 RESOLUTIONS—Section Two RESOLVED: First:That each officer,director,general partner,manager,employee,agent(including any investment manager),trustee and attomey-in-fact of the Entity having actual or apparent authority to act,including,without limitation,persons specifically identified below,their delegees and successors(each,an "Authorized Person"): NOTE:IF ALL SIGNATORIES TO THE CERTIFICATION(Section One above)ARE NAMED BELOW,ADDITIONAL EVIDENCE OF AUTHORITY FOR AT LEAST ONE SIGNATORY MAY BE REQUIRED(for example,an Incumbency Certificate). © ameJ, o _ Named Name Name lytowtows " Title(or Capacity), Title or Ca ity Title(or Capacity) Title(or Capacity) V t Ir` Si �( t re e d for agent) Signa (not requt d for agent) Signature(not required for agent) Signature(not required for agent) IF (Please supply the names,titles and signadwes of airy additional authorized persons on a separate annex hereto) is hereby authorized and empowered for and on behalf of the Entity including each entity listed on Annex A,to establish and maintain one or more accounts (each,an"Account")with Banc of America Securities LLC("BAS"),Bank of America,N.A.("BANA")and/or any affiliate thereof(together,the"BANA Entities%for the purpose of purchasing,selling,borrowing,lending,otherwise acquiring and disposing of(including in repurchase,reverse repurchase,dollar roll,forward and when-issued transactions),and generally transacting in and with(including in secured loans and,if a margin account is established,in margin transactions and short sales)securities and instruments of every kind,including,without limitation,stocks,bonds,notes,evidences of indebtedness,corporate debt securities, commercial paper, certificates of deposit, bankers acceptances, master notes, money market funds, repurchase agreements, any kind of derivative(including,without limitation,equity,interest rate,currency,total return,credit default and swap transactions,security-based swap agreements, contracts for difference,or any other similar or other transactions or agreements),spreads,straddles,combinations,foreign currency,whole loan mortgages, any and all interests and participations in mortgage loans and other financial instruments similar to any of the foregoing and listed and over-the-counter put and call options(both covered and uncovered) relating to any of the foregoing(each, an"Instrument" and any transactions entered into in respect of any Instrument,an"Activi "),and each BANA Entity may deal with each Authorized Person as though it were dealing with the Entity directly. ❑ Please check this box if margin and short sale transactions are to be permitted. © Second:That each Authorized Person is hereby granted the fullest authority to establish and maintain margin Accounts with BAS;to sell (including short sales),loan,pledge,or grant a security interest in any and all Instruments,Activities and other property on behalf of the Entity; to borrow money,Instruments and other property from or through BAS or others and to secure repayment thereof with the property of the Entity and to agree to any terms or conditions regarding the foregoing,and to execute on behalf of the Entity any agreement,release,power of attorney,assignment or other document relating thereto. Third:Each Authorized Person is hereby granted the fullest authority to act in the name and on behalf of the Entity with respect to each Account and Activity, including authority(without limiting the generality of the foregoing)to: (1)give instructions(whether in written,electronic,oral or other form)to any BANA Entity with respect to each Account and any Activity and to receive (whether in written,electronic,oral or other form)confirmations,statements of account,notices,demands and other documents relating to each Account and any Activity;(2)bind the Entity to any contract,arrangement,transaction or activity entered into with or through any BANA Entity;(3)pay to any BANA Entity such sums as may be necessary in connection with each Account and any Activity;(4)deposit Instruments,funds and other property of the Entity with any BANA Entity and to grant security interests therein;(5)order the receipt,transfer or delivery of any Instrument,funds or other property of the Entity (whether free or versus payment or transaction or non-transaction related)from or to any person(including any Authorized Person)and to order the transfer of record ownership of any Instrument or other property to any person(including any Authorized Person)and in any name whatsoever,(6)endorse any securities, stock powers or other Instruments in order to pass title thereto;(7)direct the sale,transfer, exchange or exercise of any rights with respect to any such Instruments or other property of the Entity;(8)agree to any terms or conditions regarding each Account and to execute on behalf of the Entity(whether in paper,electronic or other form)any agreement,release,power of attorney,assignment or other document in connection with such Account and the property therein;(9)direct any BANA Entity to surrender any Instrument or other property to any party for the purpose of effecting any exchange or conversion or for any other purpose;(10)withdraw and accept delivery of Instruments,funds and other property of the Entity;(11)appoint any other person to do any and all things which any Authorized Person is hereby empowered to do;and(12)generally to do and take all action in connection with each Account and Activity that is deemed necessary or desirable with respect thereto by any Authorized Person. Fourth:That the authority of each Authorized Person,his or her delegees,and his or her successors shall continue until an officer of BAS or BANA,as applicable,shall receive from the Entity,and have a reasonable time to act upon,written notice of the revocation thereof. The Entity shall be responsible for all transactions entered into prior to the effectiveness of such notice. Fifth:That the proper person***of the Entity is hereby authorized and directed to certify to each BANA Entity: (1)a true copy of these Resolutions;(2)specimen signatures of the individuals empowered hereby;(3)that the Entity is duly organized and existing;(4)that these Resolutions conform with the provisions of the organizational documents of the Entity and are within the lawful powers of the Entity and that no limitation has been imposed on such lawful powers by the documents of the Entity,by applicable law,or otherwise;(5)any changes in the office or powers of an Authorized Person hereby empowered,notice of which,when received with reasonable time to act upon it,shall be adequate both to terminate the powers of the Authorized Person therefore authorized,and to empower the Authorized Person(s)thereby substituted;and(6)on behalf of the Entity,the release and discharge described in Resolution"Seventh"below. Sixth:That all actions taken prior to adoption of these Resolutions by any Authorized Person in connection with or related to the matters set forth in or reasonably contemplated or implied by the foregoing Resolutions be,and each of them hereby is,adopted,ratified,confirmed and approved in respect of the acts and deeds of the applicable Entity(ies). Seventh:That each BANA Entity,its successors and assigns,and its respective directors,officers,agents and employees(each,a"Released Party")is hereby released and forever discharged from and against any and all liabilities,costs,damages and expenses(including reasonable attorneys'fees)incurred by any Released Party in connection with its reliance on these Resolutions and the related Certification,which release and discharge shall be in addition to any rights a Released Party may otherwise have and shall survive any revocation of the Certification with respect to transactions entered into prior to such revocation. ***A proper person could include,for example,the secretary of a corporation,the managing member of a limited liability company,the general partner of a partnership,or the trustee of a trust. 250 v05 11/29/06 Account Application Form and Agreement(Non-Individuals) Customer Account Number BAS: BANA- To be completed by Client LEGAL NAME OF CLIENT("Legal Entity"): M i Ar\A I S tt O RCS V i t LAr&-F, Primary Business Address of Legal Entity: Mailing Address(if different): loo5o NE 2ND Me Street Address Street Address M I ANI I S40QE-7S *�L. City State/Province City State/Province 3313e) USA- Postal Code Country Postal Code Country Legal Entity Type: ❑ CORPORATION ❑ ENSION PLAN NON-PROFIT ORGANIZATION El PARTNERSHIP Ij1GOVERNMENT El ENTITY ❑ TRUST ❑ LIMITED LIABILITY COMPANY ❑ EDUCATION FACILITY ❑ OTHER ❑ INSURANCE COMPANY ❑ INVESTMENT ADVISOR a �� Contact Information(provide all that apply): Contact Person: �0[71C�5 "���3 1�" yn Business Phone: 336-- 1 q5- ZA�-7 Alternate Contact: Tja -am Fax#: 3 0S— 15(0- a Cl-12 Alternate Phone/Fax#: E-mail Address: {'a M10 iLL ShOM I � t.E-mail Address: Tax Status(check one): Tax ID Number(check one):—t �-y US Non-Individual Tax ID Number:- 5 • GCS 1�=� Foreign Non-Individual ,, AA A Applied for Tax ID Number(list date applied for): State or Country of Organization: FL-0�I DA ote:new Tax ID Number required within 60 days) Is the Legal Entity an SEC-Registered or State-Registered Investment Advisor? Yes 0 If SEC-Registered,provide SEC Registration Number and Effective Date:SOl- .� Effective Date: If State-Registered,provide the following:LARD/CRD Number. Effective Date: Jurisdiction: Anti Money Laundering: Is the Legal Entity a Money Service Business? Yes No A"Money Service Business"is any person or entity doing business,whether or not on a regular basis,in the transfer of funds,including currency d or exchangers;check cashers;issuers,sellers or redeemers of traveler's checks,money orders, or stored value in an amount greater than$1,000 for any customer on any day in one or more transactions;money transmitters or remitters;and the U.S.Postal Service. Examples include Western Union,conveniencelgrocery stores,hotels and casinos. A person or entity registered with and regulated or examined by the SEC or the CFTC and a bank are not considered a"Money Service Business." Does the Legal Entity now employ a Senior Foreign Political Figure? Yes o A"Senior Foreign Political Figure"is a senior official in the executive,legislative,administrative,military or judicial branches of a foreign govern ent(whether elected or not);a senior official of a major foreign political party;a senior executive of a foreign government-owned corporation;or any member of a foreign senior political figure's immediate family,or any close associates. Account Application Form and Agreement(Non-Individuals) Customer Account Number BAS: _ BANA: -D q- To be completed by Client LEGAL NAME OF CLIENT("Legal Entity"): M I AM 1 S H-0 RES V I U- &E Primary Business Address of Legal Entity: Mailing Address(if different): loo5o N>` ;_7Nb Ave Street Address Street Address M 1 ASM 15tfo0-:6 R_ City State/Province City State/Province 33I3 Q3 usA Postal Code Country Postal Code Country Legal Entity Type: ❑ CORPORATION Cl PENSION PLAN ❑ NON-PROFIT ORGANIZATION Cl PARTNERSHIP We GOVERNMENT ENTITY ❑ TRUST ❑ LIMITED LIABILITY COMPANY ❑ EDUCATION FACILITY ❑ OTHER ❑ INSURANCE COMPANY ❑ INVESTMENT ADVISOOR- Contact Information(provide all ltthat apply): Contact Person: IS`�ynQ& Business Phone: 3C5—// 1"at —Ir/15— �1 Z 0-7 Alternate Contact: Fax#: .0-5- t75(o_ 9Alternate Phone/Fax#: E-mail Address: 1M • Alt.E-mail Address: b rZ W\\4r*►,g6nfcs V 1� try t Tax Status(check one): Tax ID Number(check one): / y US Non-Individual Tax IDNumber. Foreign Non-Individual ,, nn Applied for Tax ID Number(list date applied for): State or Country of Organization: W Q I (Note:new Tax ID Number required within 60 days) Is the Legal Entity an SEC-Registered or State-Registered Investment Advisor? Yes e If SEC-Registered,provide SEC Registration Number and Effective Date:801- Effective Date: If State-Registered,provide the following:IARD/CRD Number. Effective Date: Jurisdiction: Anti Money Laundering: Is the Legal Entity a Money Service Business? Yesl7o A"Money Service Business"is any person or entity doing business,whether or not on a regular basis,in the transfer of funds,including currency dimers or exchangers;check cashers;issuers,sellers or redeemers of traveler's checks,money orders, or stored value in an amount greater than$1,000 for any customer on any day in one or more transactions;money transmitters or remitters;and the U.S.Postal Service. Examples include Western Union,conveniencelgrocery stores,hotels and casinos. A person or entity registered with and regulated or examined by the SEC or the CFTC and a bank are not considered a"Money Service Business." Does the Legal Entity now employ a Senior Foreign Political Figure? Yeso A"Senior Foreign Political Figure"is a senior official in the executive,legislative,administrative,military or judicial branches of a foreign government(whether elected or not);a senior official of a major foreign political party;a senior executive of a foreign government-owned corporation;or any member of a foreign senior political figure's immediate family,or any close associates. WnWftwha 1W Account Application Form and Agreement(Non-Individuals) Customer Account Number BAS: BANA: 27_4>�9— 1-0- yjs To be completed by Client LEGAL NAME OF CLIENT("Legal Entity"): MIAMI SW KE.S V i LL-A GrE. Primary Business Address of Legal Entity: Mailing Address(if different): 100 50 N F_ ZN A h-VE Street Address Street Address N)iAPA 1 SHO(ZE5 FL.. City State/Province City State/Province 3138 usAC Postal Code Country Postal Code Country Legal Entity Type: ❑ CORPORATION ❑ PENSION PLAN ❑ NON-PROFIT ORGANIZATION ❑ PARTNERSHIP W?"GOVERNMENT ENTITY ❑ TRUST Cl LIMITED LIABILITY COMPANY ❑ EDUCATION FACILITY ❑ OTHER ❑ INSURANCE COMPANY ❑ INVESTMENT ADVISOR -��r Contact Information(provide all that apply): Contact Person: PV C'Ci ,S Business Phone: 305— r7q_15- 2Z0, Q Alternate Contact: a r� Tr= - Fax#: 305-' hJr' �P— ag [2, Alternate Phone/Fax#: E-mail Address: VM�jM&M�C&%Iknj Co%t.E-mail Address: tC b M%0; -C&-e). Tax Status(check one): Tax ID Number(check one): US Non-Individual Tax ID Number: 5a-0 000 3`T 3 Foreign Non-Individual Applied for Tax ID Number(list date applied for): State or Country of Organization: (D (Note:new Tax ID Number required within 60 days) Is the Legal Entity an SEC-Registered or State-Registered Investment Advisor? Yes <3 If SEC-Registered,provide SEC Registration Number and Effective Date:801- Effective Date: If State-Registered,provide the following:LARD/CRD Number. Effective Date: Jurisdiction: Anti Money laundering: Is the Legal Entity a Money Service Business? Yes No A"Money Service Business"is any person or entity doing business,whether or not on a regular basis,in the transfer of funds,including currency der exchangers;check cashers;issuers,sellers or redeemers of traveler's checks,money orders, or stored value in an amount greater than$1,000 for any customer on any day in one or more transactions;money transmitters or remitters;and the U.S.Postal Service. Examples include Western Union,convenience/grocery stores,hotels and casinos. A person or entity registered with and regulated or examined by the SEC or the CFTC and a bank are not considered a"Money Service Business." Does the Legal Entity now employ a Senior Foreign Political Figure? Yes 05A"Senior Foreign Political Figure"is a senior official in the executive,legislative,administrative,military or judicial branches of a foreign government(whether elected or not);a senior official of a major foreign political party;a senior executive of a foreign government-owned corporation;or any member of a foreign senior political figure's immediate family,or any close associates. AGREEMENT 1. Instructions;Settlement;Standard Confirmation Terms. The Legal Entity("ygg')agree that neither Bank of America,N.A.("BANA')nor Banc of America Securities LLC("BM')(collectively,"we"or"m")shall incur any liability in acting upon oral or written instructions given to us concerning your accounts;provided we reasonably believe such instructions to be genuine. You further agree that we,in our discretion,may decline to accept,or may place restrictions upon,orders for your accounts. You agree to pay promptly on demand any debit balance in your account(s)or any other balances you may owe to us. All transactions for your accounts are subject to the Standard Confirmation Terms set forth on the reverse side of each transaction confirmation,and,to the extent not inconsistent therewith,the customs and usages of the marketplace where effected 2. BAS Orders and Executions. You agree that you will enter"sell"orders with BAS only with respect to securities and financial instruments(together "Financial Assets)that you own,and that you will deliver any such Financial Assets to BAS,in good deliverable forth,on or before the settlement date (unless the applicable Financial Asset already is in BAS's possession). If you purchase Financial Assets in a cash account at BAS,you agree not to sell them until after you have paid for them. 3. Security Interest,Conflicts.You hereby grant BAS a continuing security interest in,lien on,and right of set-off with respect to,all Financial Assets and other property,including cash balances(collectively,"Pry"),now or hereafter held or carried by BAS,including any Property in transit or held by others on behalf of BAS and all proceeds thereof,as collateral security for the payment and performance of all your obligations,now existing or hereinafter arising, including any delivery or payment obligation. In order to satisfy such obligations,BAS is authorized to sell and/or purchase any Property in any of your accounts or to redeem money market funds in any of your accounts,without notice. Where this Section 3 is inconsistent with any provision of a Credit Agreement that you may have executed with BANA,or any amendment to such agreement("Credit Agreement'),the provisions of the Credit Agreement shall govern 4. Use of Bank Transaction and Safekeeping Accounts. (a) If you elect to settle your purchase of Financial Assets through a designated transaction(DDA) account("Transaction Acco mn with BANA,you authorize BANA to accept instructions from BAS to debit such Transaction Account in payment therefor. You agree to have sufficient funds available in any such Transaction Account on each settlement date to pay for your purchase of Financial Assets. You further instruct BANA to accept deposits into such Transaction Account that represent the proceeds of,and/or credit such Transaction Account with the proceeds from the sale of;Financial Assets you sell. Please indicate below the name and ABA routing number and account number of the Transaction Account you designate to be debited and credited for the foregaing purposes.(b)If applicable,you authorize BANA to accept delivery instructions from BAS for any Financial Assets BANA is safekeeping for you,and to deliver those Financial Assets to BAS or others,as BAS may direct You authorize BANA to accept Financial Assets from BAS for deposit into your safekeeping account(s)with BANA. 1f applicable,identify the Transaction Account to be debited and credited pursuant to Paragraph 4(a)above TANK of- 1NYur-R1c.A O&3t©o2- -7 I IS951'] 8394 Deposit Account Name ABA Routing Number/Deposit Account Number 5. Limitation on Liability. You acknowledge and agree that we shall not be liable for(a)any loss,liability,damage,cost or expense caused directly or indirectly by events beyond our reasonable control,including,but not limited to,government restrictions,natural disasters,riots or other civil disturbances, exchange or market rulings,suspensions of trading,wars,strikes,terrorism or interruption of transportation,communication or data processing services;and (b)any loss or other claim of injury with respect to any,account,except for losses or injuries directly attributable to our gross negligence or willful misconduct You further acknowledge that,unless BAS has expressly agreed otherwise,BAS will be acting in the capacity of broker-dealer in connection with any transaction executed for your accounts and not as a financial adviser or a fiduciary. 6. Power and Authority;Change in Information. You represent and warrant that you have all necessary power and authority to execute and perform this Agreement and you represent and warrant that this Agreement,as amended from time to time,is a legal,valid and binding obligation,enforceable against you in accordance with its terms. You agree to notify us promptly of any change in information that you supply in respect of your account(s),including,but not limited to,change of address,change in investment objectives and change in financial circumstances. 7. Governing law;Submission to Jurisdiction;Waiver of Jury Trial. In respect of any suit,action,or proceeding brought to enforce your obligations under this Agreement or in any way relating to this Agreement or in respect of any disputes that arise concerning your accounts,you agree(a)that the laws of the State of New York shall apply,(without regard to conflict of law principles),and(b)to irrevocably and unconditionally(r)submit to the exclusive jurisdiction of any United States Federal or New York State court sitting in the Borough of Manhattan,City of New York,and any appellate court from such court,and(ii)waive any defense of inconvenient forum to the maintenance of any suit,action,or proceeding in any such court and any right of jurisdiction on account of your place of residence or domicile. YOU IRREVOCABLY WAIVE ANY RIGHT YOU MAY HAVE TO TRIAL BY JURY IN ANY SUIT, ACTION,PROCEEDING OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT. By signing below,you certify that(a)the information you have provided is true and correct and(b)you have read,understand and agree to the terms set forth in this document M b e-m) S"U(LES V i LLAOR If Applicable: Printed Name of Legal Entity ��y�� �v .; sk..ti bPi ��w.u �Wurlb s /13/c y+� N ' a . By.Signature of A thorized Individual Date M2�tagdr $i p jf tk ��T,REAfforO �,� t Vf UACrE Printed Name and Title of Authorized Individual er } at}ttp) Dat6 DISCLOSURES • Although you may establish accounts at Bank of America,N.A.("BANA")and/or Banc of America Securities LLC ("BAS") (collectively, "we" or "us"), those accounts are maintained by separate legal entities and are operated independently. Accordingly,BANA shall have no responsibility or liability for any obligations of BAS relating to any accounts you may maintain at BAS, and BAS shall have no responsibility or liability for any obligations of BANA relating to any accounts you may maintain at BANA. • Financial Instruments offered or sold by BANA or BAS (i)are not deposits or obligations of, or guaranteed by, BANA or any other bank(unless explicitly stated otherwise); and(ii)may involve credit exposure to BANA or its affiliates (unless fully insured by the Federal Deposit Insurance Corporation ("FDIC")) and also may involve investment and market risks,including possible loss of the principal amount invested. "Financial Instruments"means securities of every kind,including but not limited to options relating to any security,commercial paper,certificates of deposit,bankers'acceptances,master notes,repurchase agreements and similar financial instruments. • BANA and its affiliates may lend or provide other services to issuers whose securities are underwritten or placed by BAS,and the proceeds of any offerings may be used to repay such loans. You should consult the relevant disclosure documents for the details of any such relationship. BAS or BANA may underwrite and deal in,serve as placement agent for,or have long or short positions in,securities with respect to which BAS or BANA renders certain brokerage or investment advisory services for you and may buy or sell such securities from or to you as principal. • Affiliates of BANA and BAS receive fees for providing investment advisory,administrative and other services to their affiliated mutual funds, Columbia Funds. BAS may receive revenue share payments for its sales of and services provided to certain money market mutual funds, including affiliated and non-affiliated funds. These revenue share payments are paid by the funds'distributors or advisors,and are in addition to any 12b-I fees or shareholder servicing fees that BAS may receive from the funds. Revenue share payments do not affect your yield. Due to the varying financial arrangements, your sales representative may have a financial incentive to offer you certain potential investments(such as funds for which BAS receives revenue share)over others. • BAS(but not BANA)is a member of the Securities Investor Protection Corporation("SIPC")through which customer accounts are protected in the event of a broker-dealer's insolvency up to$500,000,including a maximum of$100,000 for free cash balances. In addition to receiving basic SIPC protection,and once such protection is exhausted,all BAS (but not BANA)client accounts are protected on the total net equity of the account,not to exceed$300,000,000 per account,or an aggregate of$1.2 billion. The term"net ui "means the value of the securities and cash BAS owes you at the time a liquidation proceeding is commenced. This additional protection is provided in the form of a guarantee to BAS from its parent company, Bank of America Corporation, and is of the same type and nature as provided by SIPC,but at a higher limit. Neither SIPC nor the additional coverage is the same as or a substitute for FDIC deposit insurance,and they do not protect against declines in the market value of your securities. If you would like to contact the SIPC to obtain a SIPC brochure or to obtain other information about SIPC,you may call SIPC directly at(202)371-8300 or visit the SIPC website at www.sipc.org. • Pursuant to Rule 14b-1 or 14b-2, as applicable,under the Securities Exchange Act of 1934, we may disclose your name,address,and Financial Instrument positions to requesting companies in which you are a shareholder,unless you send written objection to BAS or BANA,as applicable. • When we hold,on your behalf,bonds or preferred stock in street name or bearer form which are callable in part,you agree to participate in the impartial lottery allocation system of the called securities used by us in accordance with the rules of the applicable exchange or depository. • USA Patriot Act Disclosure: BANA and BAS,like all financial institutions,are required by Federal law to obtain, verify and record information that identifies each customer who opens an account with us. When you open an account we will ask for your name,address and government-issued identification number and other information that will allow us to form a reasonable belief as to your identity,such as documents that establish legal status.