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Electronic Consent Disclosure
Effective August 2018

You are electing to receive your tax statements electronic only, and not by mail. We are providing you with the Important Information You Must Read details to help you make informed banking decisions.

Important Information You Must Read

The primary account owner, whose Social Security number or Taxpayer Identification Number is on the tax statement(s), is required to provide consent to receive electronic tax statements. If the primary owner does not consent to receiving the tax statement as electronic only, a paper tax statement will automatically be mailed to you through U.S mail.

Scope and Duration of Consent

• Your consent is required in order for you to receive your annual tax statement electronic only for certain IRS Forms, including but not limited to, Forms 1098 and 1099, relating to your Bank of America account(s). Once you begin receiving your tax statements electronically, paper copies will no longer be mailed.
  Note: While not all tax statements are currently available for electronic delivery for all accounts, we will continually add to our electronic document library and notify you by email as tax statements covered by this consent become available.
• Products that may have tax statements include, but are not limited to: Checking, Savings, Certificate of Deposit, Home Equity Lines of Credit or Home Equity Loans.
• Mortgage tax statements are not included in this consent disclosure.
• Your tax statements will be available through Online or Mobile Banking by the IRS required deadline. Please see IRS.gov for applicable deadlines.
• You will receive an email notification when your tax statements are available.
• Your tax statements will be available through Online or Mobile Banking for at least 3 1/2 years from the date it is produced. Tax statements not available online will still be available by calling Customer Service at 1.877.520.1099 to request a paper copy.

Consent will apply to any tax statements produced after you have provided your consent, and also to future year's tax statements, until consent is withdrawn by the primary owner of the account, or we cease the program. Refer to the Notice of Termination section for additional details.

How to Receive a Paper Copy

Refer to the instructions in the How to Access your Tax Statement section below to print a paper copy of your tax statement through Online or Mobile Banking.

Or

Contact Customer Service at 1.877.520.1099 and request a paper copy of your tax statement. Refer to the account schedule of fees and the Online Banking Service Agreement for applicable fees.

Note: Requesting a paper copy of your tax statement will not withdraw your consent to receive tax statements electronic only.

How to Update Your Contact Information

If you would like to update your email or other contact information, please access Profile and Settings the Customer Service Menu in Online Banking.

How to Withdraw Your Consent

Requests to withdraw consent to receiving electronic tax statements must be sent to us in writing, either through U.S. mail or email by one of the methods listed below. Your withdrawal of consent will apply to all of your eligible accounts in which you are primary account owner.

Note: If you change your electronic delivery preference back to paper delivery, this will not withdraw your consent and you may change back to electronic delivery without having to provide your consent again.

You must provide at least one of your account numbers in your request to withdraw consent. We will respond with written confirmation within 10 business days, after your request has been processed. If your request has not been received and processed before tax statements are mailed, your prior consent will still be in effect and you will receive your tax statements as electronic only, except under the business circumstances described in the Notice of Termination section below.

Notice of Termination

The following business circumstances will result in receiving your tax statement through U.S. mail even if you've provided your consent:

• If you have closed all of your Bank of America accounts and no longer have access to Online Banking.

If any of the following occur while processing your electronic tax statement, this will result in receiving your tax statement through U.S. mail:

• If your account is closed or restricted from Online Banking access.
• If your Social Security number or Tax Identification Number is invalid or missing.
• If your email address returns to us as undeliverable.
• If you have more than 250 accounts.

How to Access Your Tax Statement

Follow the steps below to access your tax statements online:

• Log into Online Banking at bankofamerica.com.
• Select the Statements & Documents.
• Select the tax statement link for the applicable account and tax year.
• Click Download.

OR

• Log into Mobile Banking
• Select Statement & Documents for your Account
• Select the tax statement link for the applicable account and tax year.
• Click Download.

Once you have downloaded the tax statement, you are encouraged to save or print a copy of each document for your records.

Hardware and Software Requirements

Your tax statements are provided in Online or Mobile Banking as PDF documents. To successfully download and/or print them, your device must support the following requirements:

Browser and Operating System Requirements

Electronic Consent Disclosure
Effective August 2018

You are electing to receive your tax statements electronic only, and not by mail. We are providing you with the Important Information You Must Read details to help you make informed banking decisions.

Important Information You Must Read

The primary account owner, whose Social Security number or Tax Identification Number is on the tax statement(s), is required to provide consent to receive electronic tax statements. If the primary owner does not consent to receiving the tax statement as online only, a paper tax statement will automatically be mailed to you through U.S. mail.

Action is required if you want your mortgage tax forms to be delivered Online Only.

You can now choose to receive your 1098 and 1099-INT tax forms for your mortgage loans or home equity accounts online through Bank of America Online or Mobile Banking.

By signing up, your annual mortgage tax forms will be available online sooner than if delivered by mail. And you'll be able to easily download and print your annual tax forms online at your convenience. Plus, your sensitive tax information is secure with the award-winning internet banking security features of Bank of America’s Online Banking.

HOW TO ENROLL

Please be sure to read thoroughly all of the text to the bottom of the page. Although lengthy, all of this information must be provided to you to comply with IRS regulations.

To receive your 1098 and 1099-INT mortgage tax forms Online Only, simply check the consent box at the bottom of the page and click on the "I Accept" button.

You'll be able to download your mortgage tax forms as soon as they are ready, from Bank of America Online or Mobile Banking where you normally manage your mortgage account. You will receive an email notification when your tax forms are ready for downloading.

To continue receiving your mortgage tax forms via postal mail, simply click on the "I Decline" button at the bottom of this page.

Important Information You Must Read

By clicking the "I Accept" button, you are agreeing that you’ve been provided with the following information:

Your tax forms will remain available for you to download from Online or Mobile for at least 3 ½ years. Tax statements not available online will still be available by calling Customer Service at 800-669-6607 to request a paper copy.

Tax forms may include sensitive personal information (e.g., your Taxpayer Identification Number).

SCOPE OF CONSENT:

Your consent is being requested for your 1098 and 1099-INT mortgage tax forms relating to your Bank of America Home Loans mortgage or home equity loans.

Other mortgage tax forms that these loans may qualify for (e.g., 1099-A, 1099-C) will be provided on paper and will be mailed to you via postal mail.

Your consent will apply to the current year's 1098 and 1099-INT mortgage tax forms, and also to future year's mortgage tax forms, until it is withdrawn by the primary owner of the loans or if Bank of America ceases the program.

HOW TO RECEIVE A PAPER COPY:

If you have received your tax forms as Online Only and would rather have Bank of America mail you a paper copy, please contact Customer Service and a paper copy will be sent to you via postal mail. Requesting a paper copy of your tax forms will not be considered a withdrawal of your prior consent.

HOW TO UPDATE YOUR CONTACT INFORMATION:

If you would like to update your contact information, please select the Profile and Settings in Online Banking. For other questions regarding your mortgage or home equity loan, contact Customer Service at 800-669-6607. (For hours, go to the Online Banking Help Center and select Contact Us).

HOW TO WITHDRAW YOUR CONSENT:

You may modify your prior paperless preference yourself within Online and Mobile Banking for any of your mortgage loans. Simply go to the Manage Paperless Settings tab in Online or Mobile Banking and select Online and By Mail for the loan(s) you would like to receive paper tax forms. Modifying to Online and by Mail will not be considered a withdrawal of your prior consent.

To withdraw your prior consent, you must mail your request in writing via postal mail to Bank of America at the name and address provided on your prior year 1098 or 1099-INT tax forms, or as follows: BANK OF AMERICA, N.A.,CUSTOMER SERVICE, PO BOX 31785, TAMPA, FL 33631-3785. In this written request, you must clearly state all of your mortgage account numbers, as withdrawing your consent will apply to all of them. We will respond with written confirmation after your request has been processed. Note: If your request has not been received and processed by Bank of America before December 31, your prior consent will still be in effect, and you will receive your tax forms as Online Only, except under the business circumstances described in the Notice of Termination below.

NOTICE OF TERMINATION:

Despite having provided your consent, the following business circumstances will result in your receiving your mortgage tax forms via postal mail:

• After you've provided your consent, if your Bank of America Home Loans mortgage or home equity loans are closed or transferred to a new servicer, you will receive your 1098 and 1099-INT tax forms for the loans via postal mail.
• After you've provided your consent, if your Bank of America Home Loan mortgage or home equity loans are assumed (and you no longer own the loans) during the year, you will receive that year's 1098 and 1099-INT tax forms for the loans via postal mail.
• If your email address returns with multiple Message Delivery Failures, you will receive your tax forms via postal mail.

HOW TO ACCESS YOUR TAX FORMS:

To access your tax information online, follow these simple steps:

• When you receive the email alert that your statement is ready, click on the link within the email, or
• For Online Banking, log into www.bankofamerica.com (where you manage your mortgage or home equity account today).
• Select your mortgage or home equity account you wish to review.
• Select Statements and Documents and the folder Tax Statements.
• Tax statements can be delivered in the year matching the tax year or in a later year.
• To locate a tax form (1098 and 1099-INT), first search in current year, and then search in earlier years until you’ve located it.
• Select the tax form (1098 and 1099-INT) for the specific tax year you want to download/and or print.
• From your Mobile Application, select Statements and Documents from your mortgage or home equity account.
• Select the folder Tax Statements.
• Tax statements can be delivered in the year matching the tax year or in a later year.
• To locate a tax form (1098 and 1099-INT), first search in current year, and then search in earlier years until you’ve located it.
• Select the tax form (1098 and 1099-INT) for the specific tax year you want to download/and or print.
• You may wish to print a copy of each statement to retain for your records.

HARDWARE AND SOFTWARE REQUIREMENTS:

Your 1098 and 1099-INT tax forms are provided in Online or Mobile Banking as PDF documents. To successfully download and/or print them, your device must support the following requirements:

Browser and Operating System Requirements