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18 ON THE WEB WEBSITES TO GET TO KNOW. Designed for busy realtors looking for a "one-stop shop" to meet all their needs, MYREALESTATETOOLS provides realtors with a Web-based, low-cost, easy-to-use all-in-one business management tool. With MyRealEstateTools, you can save time with a color-coded calendar and auto email and text reminders for appointments. e site also provides pre-made and customizable listing and closing action plans. Its "revved up prospecting and marketing" features include more than 3,500 choices for marketing pieces and unlimited emails to your sphere and contacts. With its wide range of personalized products offered and a site that is easy to navigate, MOO allows you to stand out from the crowd. Moo is a design site that with unique business cards, stickers, gift cards, note cards, greeting cards, and flyers. Business cards come single- or double-sided and are available in original, super, luxe, or green paper. You can upload your own design for the business cards or choose one from the thousands provided by Moo. You can also print a different image on every business card. PROPERTYWARE is a Web-based solution that redefines how property managers access and share information both internally and with customers. Designed to replace your patchwork of software applications with a complete, integrated suite of solutions to address every aspect of property management, Propertyware provides a suite of integrated solutions that eliminates redundant data entry and errors by working seamlessly together and exchanging information in real time. You can also connect with your tenants and owners through a branded customer portal that will allow them to make online payments, communicate with your staff, access real time information, and more. MOO.COM 2 MYREALESTATETOOLS.COM 1 PROPERTYWARE.COM 3 BANK OF AMERICA'S REVISED CAPITAL PLAN EARNS FED'S APPROVAL e Federal Reserve does not object to Bank of America's resubmitted capital plan, according to announcements from both the Fed and Bank of America. In March, the Fed required Bank of America to submit a revised capital plan due to certain weaknesses in the Charlotte, North Carolina-based bank's capital planning process the Fed located in its annual Comprehensive Capital Analysis and Review (CCAR) conducted in early March. e deficiencies found in the stress test included weaknesses in certain aspects of Bank of America's loss and revenue modeling practices as well as its internal controls, according to the Fed. "Bank of America has made progress in remediating the identified deficiencies in its capital planning processes," the Fed said in its statement, noting that Bank of America must continue to make "steady, demonstrable progress prior to the 2016 CCAR cycle toward establishing and maintaining sound risk- management and capital-planning processes that are commensurate with the size and complexity of its operations and systemic importance." Now that the Fed has accepted Bank of America's revised capital plan, the bank will be allowed to continue buying back shares under the $4 billion common stock repurchase program that was approved by its Board of Directors in March, and also paying dividends at a rate of 5 cents per share per quarter. Bank of America CEO Brian Moynihan said recently that the bank spent approximately $100 million to "get the process right for the resubmission," according to a report from the Wall Street Journal. e Fed considers both quantitative and qualitative factors when examining a firm's capital plan as part of the CCAR. Specifically, the Fed measures a firm's projected capital ratios under a hypothetical scenario of severe economic stress and the strength of the capital planning process. Strong capital levels can act as a cushion to help absorb losses and ensure that banks can still lend even in times of economic downturn. e Fed may reject an institution's capital plan based on either qualitative or quantitative factors. "Our capital plan review helps ensure that the capital distribution plans of large banks will not compromise their ability to continue lending to businesses and households even during a period of serious financial stress," Fed Governor Daniel K. Tarullo said. "It also provides a structured assessment of their risk management capacities."

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