Edgar Allan Poe Essays - Edgar Allan Poe, The Raven, Free Essays

Edgar Allan Poe Essays - Edgar Allan Poe, The Raven, Free Essays Edgar Allan Poe Edgar Allan Poe Edgar Allan Poe was born in Boston on January 19, 1809. Orphaned at the age of three, Edgar was sent to a foster home where he lived with the Allans in Richmond, VA until he married his thirteen-year-old cousin, Virginia Clemm. Throughout his youth, Edgar experienced rocky relations with the Allans and was eventually disowned before his marriage. (Compton's, pp. 401-02) Edgar Allan Poe's short stories and poems induce disturbing emotions which stem from an unstable childhood as a result of a disjointed family life. After leaving his broken foster home, Poe enlisted in the army under the name Edgar A. Perry in 1827. Aspiring to become an officer in hopes to regain favor with Mr. Allan, Poe was granted an honorable discharge and sought an appointment at West Point. (Forrest, P., Who Was Poe?) While waiting for over a year to hear from the school, Poe resided with his widowed aunt, Ms. Maria Clemm in Baltimore. In 1830, Poe was sworn in as a cadet. However, the death of his foster mother led to Mr. Allan's remarriage and Poe's exclusion from the family will. Upon receiving such news, Poe deliberately neglected his classes and was expelled from West Point after only eight months of study. His writing career began soon after when he won a short story contest in 1833 and became a literary critic for The Southern Literary Messenger. Later writing opportunities brought Poe a small income, which paved the way for his marriage to Virginia Clemm in 1835. (Compton's, pp. 401-02) Virginia was half Edgar's age and represented the only sense of family Poe had ever known. When she became ill with tuberculosis in 1843, Poe fell into severe depression marked by bouts of drinking and gambling. His publication of The Raven in 1845 illustrated this unstable mind frame and foreshadowed Virginia's death in 1847. (Compton's, pp. 401-02) It shall clasp a sainted maiden whom the angels name Lenore- Clasp a rare and radiant maiden whom the angels name Lenore. Quoth the Raven, Nevermore.' (Frazah, Homepage) Likewise, many of his works during this period reflect similarly disturbing emotions brought on by a need to express the rage of past events in his life through his short stories and poems. The erratic subjects and tones of Poe's works encompass not only his despair resulting from Virginia's death but also the angst of being robbed of a loving family in his earlier youth. His relations with Mr. Allan proved to be insincere after Mrs. Allan's death. Poe was left only with the realization that what scraps of a family he held on to for so long were false securities which led him nowhere. He struggled to gain favor with his foster father for years before grasping this concept. His marriage to Virginia Clemm was an effort to restore a sense of lost family which only ended in further despair. Clearly these events created so deep an impact on Poe that his writings reflect a tendency of lonely, desperate, and erratic tones which parallel the nature of his behaviors. Leave my loneliness unbroken!- quit the bust above my door! Take thy beak from out my heart, and take thy form from off my door! Quoth the Raven, Nevermore.' (Frazuh, Homepage) The standard trademark of Poe's writing is that it evokes disturbing images and emotions which instill a sense of loneliness. He has the ability to create a mirror image of himself in every short story and poem. The sadness, which plagued Poe throughout his life, laid the framework for all of his writings. Without such a motivation, Poe may have created equally beautiful works yet they would not have instilled a sense of the life he led so clearly. They leave behind a photographic image of the man he was. Bibliography cant find it

Peruse and Some Alternatives

Peruse and Some Alternatives Peruse and Some Alternatives Peruse and Some Alternatives By Maeve Maddox A reader asked me about the use of the transitive verb peruse: I have a question please. On the National Geographic Facebook page, they wrote Today marks the third Earth-year since NASAs Curiosity rover made its nail-biting descent through Mars thin atmosphere, successfully landing on its dusty surface- and plans for the next mission are in the works. Peruse through this gallery to see stellar snapshots of Curiositys journey to the red planet. Is it supposed to have the through  or should it be peruse only? I promptly answered: â€Å"You are correct. The verb peruse is transitive. It takes an object. The through is redundant.† When I checked the Ngram Viewer to satisfy myself that â€Å"peruse through† would not come up, I was surprised to see that it does register, although barely. I stand by my initial response, that peruse takes an object and is not followed by a preposition. One might â€Å"pore over a book† but one â€Å"peruses a book.† Some controversy exists regarding the meaning of peruse. I’d always understood it to mean, read carefully,† but in researching this post I’ve discovered that it can also mean look over briefly or superficially.† The latter sense is present in the example from the National Geographic website, in which peruse means â€Å"to browse.† Peruse in the sense of â€Å"to examine† entered English from Anglo-Norman French, peruser, in the sense of examining a witness. Peruser does not survive in modern French. English peruse translates into French as â€Å"lire attentivement,† literally, â€Å"to read attentively.† Although still in general use, peruse tends to sound old-fashioned, pompous, or jocular. I dont agree with language critics who insist that peruse must be used only in the sense of â€Å"read carefully† and never to mean â€Å"to read superficially,† but I do suggest that English has plenty of options for either meaning. If you are looking for a word or expression that conveys the idea of careful reading or examination, you may choose from these: read carefully study scrutinize inspect examine pore over wade through On the other hand, if you want to express the idea of superficial reading, you may choose from these options: look through browse leaf through scan run one’s eye over glance through skim thumb through As for peruse, apparently you may use it to convey either idea. Whichever meaning you attach to it, however, don’t follow it with a prepositional phrase. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:Congratulations on or for?Peace of Mind and A Piece of One's MindDealing With A Character's Internal Thoughts

Short-Term and Long-Term Post-MBA Goals Personal Statement

Short-Term and Long-Term Post-MBA Goals - Personal Statement Example   I set my long term goal to become such a mayor-a leader of change, devoting myself in refocusing a service government which fulfills its responsibilities on economic regulation, market supervision, social management and public welfare based on service. Furthermore, I aspire to bridge my city from landlocked West China to the global stage. To get prepared for such a vision, I set my short-term goal to become a strategist, stepping up to the senior executive assistant after completing my MBA. I will serve as the chief strategic officer in my hometown and a strategic partner to the mayor, creating, communicating, executing, and sustaining the city's strategic initiatives. For me, the strategy is more than forging new city developments, working relationships, and synergies across government functions; it also involves establishing greater transparency and accountability. The Chinese government thirsts for a new generation of government... My step up into government requires further preparation to learn to balance my business philosophy with my government mission. In this regard, Columbia Business School serves as the best venue to achieve both as it offers holistic education. I admire the educational institution's innovative approach to learning because I believe that the latter should evolve in order to accommodate the emerging needs of students and the international business arena. By becoming a venue for active learning, entrepreneurial training, and bridging research and practice, I believe that Columbia Business School will equip me with the necessary knowledge and skills which will enable me to attain both my short term and long term goals. T

Emergency assignment for the subject Supply Chain Management. Writer Essay

Emergency assignment for the subject Supply Chain Management. Writer MUST be ON TIME. Writer also needs to send me references files which you used. Writer nee - Essay Example Some of the books will be Supply Chain Management: In theory and Practice, by Birgit Dam Jespersen and Tage Skjtt-Larsen, as well as another book called Supply Chain Management: Concepts and Cases, by Rahul V Altekar. While the first book discusses the basics that form the conception of supply chain management, the second book discusses various cases that help demonstrate the elements of this concept in a better way. Further, the journal articles will focus on the work produced by the Supply Chain Management Professionals, so as to gain an insight into this area of operational significance in the organisation. These journal articles will include Coordinated Supply Chain Management by D. J Thomas and P. M Griffin, for the European Journal of Operational Research. Apart from such articles, there will be a strong focus on Internet sources like www.bettermanagement.com which describes various strategies as well as business policies that support systems like supply chain management and knowledge management. Texan Foods is a company founded and based in Texas, near Amarillo. Born in the year 1941, this company has grown from strength to strength to consolidate its standing as one of the best gourmet chain which specialises in grocery products. Their line of products includes croissants, English muffins as well as exotic sandwich breads, buns and other baked goods like tortillas. Besides being a household name by the mid 90s with ample support from a former oil businessman, R.L (Buddy) Howlett, who was its founder and a successful entrepreneur, this company had come to employ a major supplier who went by name of Valley. (Autry, 2005)2 As a big manufacturing company, it has been demonstrated that Texan has a very poor system of supply chain management as far as its model of collaboration, planning, forecasting and replenishment (CPFR), is concerned. To start with, let us describe the exact nuances of supply chain management, in context of the CPFR model. Supply chain management (SCM) may be defined as that sphere of activities that takes place in context of planning, implementing, and controlling the operations. These operations or activities, in turn, are connected with the management of the supply chain so as to effectively cater to the requirements of the customer and gain complete satisfaction of the same through a focus on optimum ulisation of resources. (Atlekar, 2005)3 In this regard, supply chain management deals with all activities pertaining to the mobilisation, storage as well as an account of the semi finished and finished products that are of value to the end user. (Hugos, 2005)4 In this context, various scholars have also refered to this form and area of management as logistics as it connects the quantitative areas of assessment with the qualitative goal achievement progress of the organisation. These areas have been assessed in Texan, through inputs from two officials who are connected with the operational realities of the supply chain management system followed at Texan. Chapter 1.2: Problem Areas In this regard, Texan

The First Essay Example for Free

The First Essay In the first part of this lab, E. coli cells were transformed with an R-plasmid carrying a tetracycline resistant gene, giving rise to tetracycline resistant E. coli strain. This was accomplished through transformation, which allowed E. coli to directly uptake the naked DNA molecule carrying the antibiotic resistant gene (1). However, in order to take up the DNA and incorporate them into their genome via recombination, cells must be competent (1). Therefore, E. coli cells which are not competent under normal conditions were treated with cold and high concentration of CaCl2, in order to make them artificially competent (1). The transformants were grown on the LB with the tetracycline antibiotic, and on the LB without the tetracycline. Then the viable competent cells and the viable cells were counted to calculate the frequency of transformation. In the second part of the lab, lateral gene transfer by generalized transduction was done on E. coli cells. In the process of transduction, the transfer of genes is facilitated by bacteriophage, which is a virus that infects a bacterial host (1). Generalized transduction involves lytic infections that kill the bacterial cells, and during the process, bacterial DNA is packaged into a new phage head which in turn injects the DNA into another bacterium (1). In this lab, P1vir phage was used and grown on the donor strain by making a phage lysate. P1vir phage kills bacterial cells by lytic infections, which is required in the generalized transduction (1). On the other hand, the wild-type p1 is a lysogenic phage and therefore could not be used for the generalized transduction (1). In order to prevent excessive killing of the recipient E. oli strain, the P1vir lysate was tittered by serial dilutions. This would also prevent infection and lysis of the transducing particle. In generalized transduction, trp-pyrF region of CSH61 chromosome, which was the P1vir lysate, was laterally transferred to the recipient CSH54 strain. The genotypes of transductants were tested by patching them onto a Petrie plate lacking tryptophan and uracil, whi ch will allow growth of trp+, pyrF+, and not the trp+,pyrF- transductants. Trp gene encodes for trypsin, while the pyrF gene encodes for pyramidines, such as uracil. Thi, his, and pro genes encode for thiamine, histidine, and proline respeictively (1). Finally, the frequency of transductant was used to obtain the distance between the trp and pyrF gene. Discussion In the transformation experiment, E. coli cells were transformed with Plasmid DNA containing the tetracycline resistant gene, and were tested for competency by growing them in LB in presence of tetracycline antibiotic. Tetracycline is a broad spectrum antibiotic that works by inhibiting translation, thus inhibiting protein synthesis. It attaches to the 30S subunit of ribosome and prevents the charged aminoacyl-tRNA from binding (3). As shown on Table 1, Tube 3 and Tube 2 did not have any growth of E. coli cells. Tube 2 contained E. coli cells only, and when cultured on the LB plate in presence of tetracycline antibiotic, the growth was inhibited by the antibiotic. Because the E. coli cells in tube 2 lacked the tetracycline resistant gene contained in the plasmid DNA, it was unable to grow in the presence of tetracycline antibiotic. Tube 3, lacked the E. coli cells and so, there were no cells to grow in the LB plate with or without the tetracycline. Tube 3 instead was used as a control, to test for contamination in the plasmid DNA and the calcium chloride. In tube 1, which contained the E. coli cells and the plasmid DNA containing the tetracycline resistant gene, transformation occurred. As a result, E. coli cells have acquired the tetracycline resistant gene, being able to grow on the LB plate in the presence of the tetracycline antibiotic. Therefore the viable competent cells were counted from tube 1 contents in 102 diluted LB (with antibiotic), which had cells between 30 and 300 colonies. On the other hand, the total viable cells were counted from tube 1 in 106 diluted plate that was grown on LB without the antibiotic. As shown on table. 2, the viable competent cells were calculated to be 24350 cells/100ul and the total viable cells were found to be 370,500,000 cells/100ul. Finally, the transformation frequency, which is the ratio of transformants per viable cell, was calculated and was found to be 6. 49 x 10-05 as shown on table 2. In the generalized transduction experiment, trp gene from the donor strain of CSH61 (P1vir lysate) was laterally transferred to the recipient strain, CSH54. CSH61 strain are trp+, pyrF+ and the CSH54 strain are trp-, pyrF-, and because trp and pyrF are linked together on the same chromosomal fragment, they are cotransduced (1). The transductants were identified by selecting for the trp+ marker by growing in absence of tryptophan, however the pyrF marker may be present or absent, depending on the crossover event during recombination. This was identified by patching the transductants onto a Petrie plate lacking tryptophan and uracil. The trp+, pyrF+ transductants will be able to synthesize both tryptophan and uracil, and therefore will grow in this minimal medium (1). However, trp+, pyrF- transductants cannot grow in the medium, because they won’t be able to synthesize uracil (1). As shown on table 3, 57. 5% of transductants were trp+, pyrF+ while 42. 5% were trp+, pyrF-. This means trp is cotransduced with pyrF at 57. 5% frequency, which indicates that they are very closely linked. Markers which are separated by less than 0. 5 minutes are cotransduced at 35-95%, and so, trp which cotransduced with pyrF at 57. 5%, is very closely linked (1). This closely matches the actual cotransduction frequency of 55% between trp and pyrF in E. oli (2). According to the Wu formula, the cotransduction frequency of 57. 5% yielded distance of 0. 084 minutes, which was very close to the distance of 0. 09 minutes at cotransduction frequency of 55% found in literature (2). Bacterial genes can also be analyzed by a method known as Southern blotting (4). In this method, DNA is treated with restriction enzymes, which cuts the DNA into fragments of different size. Then the fragments are run on an agarose gel by electrophoresis, which separates the fragments by size.

The Indian Triumph of Dionysus Essay -- Art Analysis

While visiting the Museum of Fine Arts Houston, I came across The Indian Triumph of Dionysus. Originating in Rome, it was created by a wealthy follower of Dionysus’s mystery cult in the late second century A.D. This worshiper evidently wanted to construct a sarcophagus in tribute of Dionysus’s accomplishments. Furthermore, Dionysus is surrounded by characters that are within the mystery cult because the creator wants the viewers to know with whom he is associated. With these two things combined, the patron hoped to shed light on a piece of history that they believed to be prominent during his life. The layout of the museum makes it very easy to find works of art from different time periods. Since I have always been fascinated with ancient Greece and Rome, I knew exactly where to start my search. The Indian Triumph of Dionysus is on display directly at the top of the staircase leading up to the second floor. It is surrounded by many other artifacts from ancient Greece and Rome. As your eyes move across the room, catching a glint of gold here and pearly white marble there, it’s very easy to become overwhelmed for a moment. As I reached the top of the stairs, it was evident that the staging of this magnificent piece was carefully planned. The staff of the museum undoubtedly wants this piece seen by each and every visitor. The exhibit itself is well done. If you stand directly in front of The Indian Triumph of Dionysus, everything around you seems to fade away and tunnel vision sets in. As I stood in front of The Indian Triumph of Dionysus, diligently taking notes since phot os are not allowed, I experienced an extreme spiritual connection to the past. I tried to put myself into the shoes of the author. What was his purpose? What d... ...t is also important to notice that every character seems to have wide eyes and dark circles drawn under their eyes. This is perhaps one of the most important aspects because the eyes show the underlying theme of complete inebriation. This in turn, proves the impact that Dionysus had on his followers as well as those who he conquered. Wine brought great power to its creator, and made a lasting impact on history. With these devices of communication, we are able to see that the follower wanted to capture Dionysus’s legacy by creating a sarcophagus of remembrance in his honor. Works Cited â€Å"MFAH Top 100 Highlights #35 - The Indian Triumph of Dionysus† Museum of Fine Arts Houston Online. 06 Apr. 2012. http://www.mfah.org/art/detail/dionysus-indian-triumph/ Unknown. The Indian Triumph of Dionysus. 2nd Century A.D. The Museum of Fine Arts, Houston, Texas.

BofA Mobile Banking case Essay

Introduction Bank of America (BofA) is the largest bank holding company in the United States, by assets, and the second largest bank by market capitalization. As a global Finance Service Institution, BofA serves clients in more than 150 countries and has a relationship with 99% of the U.S. The bank’s 2008 acquisition of Merrill Lynch made Bank of America the world’s largest wealth manager and a major player in the investment banking industry. BofA launched mobile banking in May 2007. Mobile Banking lets customers easily and securely access balance information, pay bills with optional Bill Pay service, transfer funds, and find nearby ATMs and banking centers through a mobile application on their smartphones, and through mobile web on their phone browser. Douglas, SVP of Mobile Product Development was quoted, â€Å"In less than 3 years we have four million mobile banking customers. That’s an adoption rate almost five to eight times that of our online banking several years ago.† Line-of-business managers are looking for leveraged mobile platforms with functionalities that can meet different needs and the different target groups such as: Merrill Lynch brokerage, mortgages, credit cards, consumer payments, etc†¦ The capabilities of mobile banking through the use of smartphones or mobile web have become popular with today’s bank customers. There are increasing overall growth in mobile banking in the financial services industry. In addition, the transaction cost1 of mobile banking and internet banking is much lower than the traditional channel (e.g. Branch, Call Center, ATMS and IVR). Due to the economic downturn, banks are looking for extend the service channels and aim to increase the profit via tradition core banking service, such as transaction fees. The system automation can reduce the operation cost; increase the transaction turnaround time and accuracy. With the popularity of smartphones and mobile data services, mobile banking can be the booming tools for banking industry profit engine. However, investing in the enhancement of the mobile banking is costly and will directly affecting the bank’s revenue and brand images. The worse scenarios, may encounter customer complain and regulatory comments and punishments. Therefore, the management of BofA have to decide how can they effectively utilize this technology as a new media to make banking services easier, faster and more convenient for customer, at the same time, how can the app can help for BofA marketing the banks new products, service and increase the customer loyalty. In the short run, what do BofA tell the line-of-business managers – should the app increase functionality, build new app or refuses to add complexity to the current app? In the long run, how do BofA position the bank in this fast changing industry? Analysis Mobile banking (app) is not a mandatory product (or say channel) for bank’s customer. It’s just an optional channel, based on the product itself, let’s analysis base on Porter’s 5 forces analysis. 1. New entrants are HIGH. There will not be any new large mass-market players or niche players bursting on the scene, but there will be new independent players like PayPal that will provide some similar functions app in the market. 2. Power of suppliers are from MEDIUM to LOW. The majority of the suppliers of mobile banking should be those technologies partners, technology consultants, outsource software house and marketing partners as alliance in some promotion campaigns. Bank has stronger power than those outsource software house in most situations. 3. Bargaining power of buyers is HIGH. Given the mobile banking is only an optional channel for customer. Customers still have other options to complete their transaction thru the bank and able to say NO to mobile banking. The switching cost of changing the channel is low but the switching cost of BANK may from LOW to MEDIUM. 4. Threat of substitution is HIGH. Currently customers still can utilize other channels to fulfill their needs via Branches, Call Center, ATMS, Internet banking and IVR. 5. Intensity of rivalry is HIGH. Many banks like Well Fargo, Citibank, JP Morgan are working on the mobile banking and each of these app have the same majority functions and include some differentiate functions. BofA Mobile Banking App functionalities To install the app and apply the mobile banking is free. As the mobile banking include 3 major segments of core function: Mobile Website, Text Banking and Mobile App2 . The BofA’s new app include below functions: †¢Check account balances for accounts and facilities lines held with BofA. †¢Pay bills. †¢Transfer funds between BofA accounts. †¢View transaction details for all BofA accounts or facilities lines, including posted, pending and scheduled transactions. BofA Mobile Banking App include the majority functions that customer requires and let’s talk about the Brand of BofA in the following section. The Brand of BofA & Competitors Bank of America ($30.6B) is the most valuable banking brand in the USA. Its brand value has increased by 18% and it has a brand rating of AAA-. Despite concerns of further mortgage-related write-downs, Bank of America was also the #1 most valuable banking brand in the world at 2011. The Designs The Bank and the Mobile Banking App Logo Given the icon of BofA can be shown in the Bank and the mobile banking logo, it can help the customers to connect the mobile banking app to BofA. The color use of the Bank is Red and Blue and the Mobile banking is single using Red only. Red color is a powerful color, symbolizing energy, passion or even danger. It works best for action-oriented products or brands, products associated with speed or power, or dominant or iconic brands. The mobile banking icon didn’t use the Red and Blue color which only using Red to show the passion and commitment of the bank to customer via mobile banking. Bank of America and Mobile Banking Slogans Bank Bank of America. Higher Standards Embracing ingenuity Think what we can do for you Mobile Banking Life is mobile, so is your bank The Slogan of Mobile Banking can directly identify the availability and accessibility of the apps that can provide the mobility banking services everywhere. However, it can’t strongly connect to the Bank’s core Slogans. Recommendations Given the increment of additional functions will slow down the performance of the mobile banking app; it does not recommend incorporating the additional business functions to the current app. From technologies risk and regulatory prospective, it will be too risky if pulling all business applications in one single platform. If on module down, it will totally affect the bank normal day to day operations. In short run, suggest developing new apps for extending the advance mortgages, credit cards service or investments service for different business functions. To leverage different branding to differentiate the different category of services that offered. Apart from leverage different brands3 own by the group, BofA can also cooperate with Smartphone and Telecom Services Providers to ingredient branding to provide the end to end mobile service. Bank customer can encounter discount on purchase latest smartphones, discount on data service plan and possible to issue mobile credit cards by offering promotions. BofA can consider consolidating all apps in one single platform when there are needs in future. In long run, BofA can cooperate with the Telecom Services Providers and sizeable Merchants, to provide addition information for customer when customer arriving the merchants and let them know what kinds of promotions or discounts are offer. This can uplift the service from singling banking service to mobile living yellow pages. This can help to increase the customer loyalty and build strong connections with bank customers. It can also attract more alliance (other merchants) to share the promotion and marketing cost to developing a new banking and living experience. Of cause, it is necessary to maintain the balance of utilizing the mobile banking app, customers segments for marketing promotion events, if over sell which may obtain opposite result. To differentiate BofA from other competitors, it is necessary to ensure the Bank can position the Bank with Stronger Branding and Images extend the services from â€Å"Banking† only to diversify the service to other related informational services in daily life and provide incredible services and experience for customers. This can help the bank to reposition the bank as a full around bank which can fulfill customer day to day activities that require of any payment or transactions. This can help to identify stronger alliance for the long term development. In conclusion, BofA must keep on investing in mobile banking apps, as it is a trend that smartphone or more innovative device (e.g. Google device) will become more popular, bank must utilize these new technologies by re-design the current channels to increase the bank traditional income (e.g. Transaction fees) and other new incomes (e.g. investments service, financial consultation service, etc.) and extend the service with alliance to promoting the daily service tools. This can help the bank to enlarge the customer groups, define new customer groups segments or sub-segments for better marketing and promotion campaigns and maintain the brand in the leading positions. Exhibit 1 Costs per Transaction by different channels The Pricing, when the apps developed to more advance, and able to customize and fully integrate full around service for customer, at that time, BofA can consider of charging customer for service charges after trial. If customers are satisfying with the full around services after the trial, the bank can also extend the income by promotion the comprehensive mobile banking and service apps. Exhibit 2 Mobile website Customers can pay bills whenever they want with optional online Bill Pay. Check balances on checking accounts, savings accounts and credit cards. Transfer funds immediately to any other Bank of America account. Locate banking centers or ATMs, along with maps and directions. Text banking Use text message banking to request information about self-own checking, savings and credit card accounts. Getting the answers you need is simple when it’s received within seconds on your phone. Mobile app Mobile Banking App, designed specifically for iPhone ®, iPad ®, Windows ® Phone, BlackBerry ®, HP ® webOSâ„ ¢ and Androidâ„ ¢ devices. Wherever you are, you’ll have easy access to your Bank of America accounts with their quick and convenient Mobile Banking App Exhibit 3 – BofA’s branding