E-Contribs For Small Business Retirement Accounts Program Agreement
This agreement contains the terms and conditions governing the E-Contribs For Small Business Retirement Accounts Program (the Program). As used in the Agreement, I, me and my mean each person who holds an Simplified Employee Pension IRA (SEP IRA), Savings Incentive Match Plan for Employees IRA (SIMPLE IRA), Basic Plan Retirement Account (Basic Plan), Retirement Selector Account (RSA) or Retirement Cash Management Account (RCMA), is either the employer or plan administrator responsible for making employer contributions to employee accounts, and establishes the Program by electronic signature. You and your mean Merrill Lynch, Pierce, Fenner & Smith Incorporated. Account means the SEP IRA, SIMPLE IRA, Basic Plan, RSA and RCMA account established for each individual employee of the employer. Bank Account means either the Merrill Lynch account or account at another financial institution from which contributions are made to Accounts.

Representations, Additional Terms and Amendments
By enrolling and using the Program, I acknowledge that I have read this Agreement and the Program Service Description and agree to its terms and conditions. I also acknowledge that I have received and read the applicable Disclosure and Account Agreement pertaining to the Account and the Program Service Description and agree that any additional terms and conditions contained in those documents for participation in the Program are incorporated into this Agreement as though they were fully set out in this Agreement. I agree that you shall have the right to amend this Agreement by modifying or rescinding any of its existing provisions or by adding any new provision. Any such amendment shall be effective as of a date to be established by you, subject to applicable law. By using the Program, I represent on a continuing basis that I am authorized to have viewing access to Account data for the Accounts I have designated to be included in the Program and that the Bank Accounts being debited are not used primarily for personal, household or family purposes.

Authorization
I authorize you to accept my instructions entered online to initiate funds transfers to debit my Bank Account and credit Accounts that I have designated to be included in the Program. In the event that erroneous transfers are made, I authorize you to initiate debit or credit transfers to correct such erroneous transfers, provided that any such correction is made in accordance with applicable laws, rules or regulations.

I authorize the financial institution(s) holding my Bank Accounts to accept Automated Clearing House (ACH) debits to my Bank Accounts without responsibility for the correctness thereof. I further agree that you will not be liable for any loss, liability, cost or expense for acting upon my online instructions, except to the extent required by applicable law.

Termination of the Program This authorization is to remain in full force and effect until Bank of America Merrill Lynch has received notification from me of its termination. Either of us may terminate this authorization of my participation in the Program at any time. Any termination will become effective as soon as you have had a reasonable amount of time to act on it. If I notify you verbally, you may require that I also send you written notification.

Governing Law
I UNDERSTAND AND AGREE THAT THE TERMS AND CONDITIONS OF THIS AGREEMENT WILL BE GOVERNED BY NEW YORK LAW.

E-Contrib For Small Business Retirement Accounts Progam Description
This description contains important information about the Program and about your rights and responsibilities as a participant in the service. Please read this section carefully and retain it for future reference. In this description, the term Bank Account means the account designated by you in the Program as the account authorized to initiate transfers. The words you and your mean each principal named on the Bank Account. The words we, our and us mean Merrill Lynch, Pierce, Fenner & Smith Incorporated. Password means the Personal Authorization Password you select to effect transfers.

Business Days and Service Hours
Our business days for completion of contributions made through the Program are Monday through Friday. Holidays are not included. Contribution made through transfers between Bank of America Merrill Lynch and outside financial institutions received on any business day before 2:00 p.m. (ET) will be processed on the close of business of that business day. Requests received after 2:00 p.m. or on holidays and weekends will be processed on the close of business of the business day following the day of your request.

Directions for recurring or future contributions will not be accepted.

Kinds of Contributions Permitted
You may use the Program to make employer contributions by transfer of funds between your Bank Account and the Accounts designated in the Program which have been properly authorized and which are capable of accepting electronic funds transfers through an Automated Clearing House (ACH) transfer. You may request one or more of the following types of transfers:

Next-Day Transfers. You may request individual transfers for processing on the next business day by submitting your request after 2:00 p.m. (ET) on the current day.

Same-Day Transfers. You may request individual transfers for processing on the close of business the same business day provided we receive your request before 2:00 p.m. (ET) on the effective business day.

Maximum Transfer Amounts
The maximum amount you may transfer from your account at another financial institution is limited to the amount available in that account as defined by the financial institution. All transfers must be made only in U.S. whole dollar amounts.

How Transfers Affect Your Purchasing Power
Next-day and same-day transfers from a Merrill Lynch Account that you request to be effective are compared to your Purchasing Power at the time you request the transfer. If the transfer amount requested does not exceed your Purchasing Power, your request will be accepted and your Purchasing Power will be reduced by the transfer amount.

Availability of Transferred Funds
We reserve the right, subject to applicable law, not to increase your Purchasing Power to reflect funds transferred to your Account for up to six business days after receipt of such funds. During this time period, the investment in or deposit through the Money Accounts and the availability of funds for purchases of securities will not be affected. Availability of funds transferred from your Account to your accounts at other financial institutions is subject to the policies of, and applicable laws governing, those financial institutions.

Transfer Documentation
Contributions will be reflected on your quarterly Employer Summary Report. Program transactions will be reflected in the Daily Account Activity section of your and your employees� account statements.

Stopping or Canceling a Transfer
Transfers that you have requested cannot be stopped or canceled after clicking the submit button.

Incomplete Transfers
Bank of America Merrill Lynch reserves the right to cancel and not complete certain transfers for the following reasons:

Insufficient Funds in Bank Account. You may request transfers from your Bank Account for amounts up to your available funds. If the amount requested exceeds your available funds, the transfer will be canceled. We will not attempt to make a partial transfer.

Closed or Transferred Account. If an Account is closed for any reason, your Program enrollment and any outstanding transfer requests will be canceled. If you transfer your Bank Account to another Merrill Lynch office, your existing Program instructions will continue in effect as long as the title of the account remains the same.

Automatic Cancellation for Account Title Changes. If you change the title on your Account, we will treat that change as a written request to cancel all outstanding Program instructions and will refuse any additional transfer requests for that account until you update your Program information online.

Security Reasons. At our discretion, we may not process a transfer to or from any Merrill Lynch Bank Account that is blocked for security reasons. If a Merrill Lynch Bank Account is blocked at the time of enrollment in the Program, you should contact your Financial Advisor.

Transfers may also be rejected and returned by your financial institution for the following reasons:

Insufficient or Uncollected Funds in Your Bank Account. When you request a transfer from a Bank Account, you must ensure that there are sufficient funds available in your Bank Account to complete the transfer. If your transfer is rejected by the other institution due to insufficient or uncollected funds, we will cancel that transfer request.

Closed Account. If the Account involved in your Program request is closed when we attempt to complete your transfer, the transfer will be rejected and returned as incomplete.

Program Charges
There is no charge for enrolling in the Program or for each transfer you request, unless you have insufficient funds in your Merrill Lynch Bank Account. We will charge you a $30 Returned Transfer Fee for each transfer that cannot be processed because our attempt to transfer funds from your Merrill Lynch Bank Account is rejected due to insufficient or uncollected funds in your Merrill Lynch Bank Account.

Your Liability for Unauthorized Transfers
To request transfers, you will use your Program Personal Authorization Password. You agree not to disclose your Password or otherwise make it available to anyone else. If there are other account holders named on your Bank Account, you are also authorizing those other account holders to use your Password and request transfers.

Tell us immediately if your Password is lost or stolen or if you believe someone is using or may use your Password to transfer funds from your Bank Account without your permission. Telephoning your Financial Advisor or calling (888)MER-TRIB to reset your password is the best way to keep possible losses down. Any outstanding transfer requests, however, will not automatically be canceled unless specified and authorized prior to blocking your password.

In Case of Errors or Questions About Electronic Transfers
Notify your Financial Advisor immediately if you believe your monthly account statement is incorrect or if you need more information about an electronic transfer listed on your statement.

Disclosing Information About Your Account
We will not disclose information to others about your Account or the transfers you make except in the following circumstances:

Where it is necessary to complete a transfer; To third parties who have a business purpose for requesting information regarding your Account; To credit bureaus and other consumer-reporting agencies, and then only with your permission; To comply with government agency or court orders or other legal process; If you give us written permission.

Agreement Termination or Changes of Terms and Conditions
You may cancel this agreement with us at anytime, without cause. We reserve the right to cancel your agreement with us without cause or prior notice. Subject to applicable law, we can change this agreement with you at any time. You will be notified of any changes as required by applicable law. If a change is necessary to protect the security of your account or the Program, we do not have to notify you in advance.