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TERMS AND CONDITIONS

Online Statements

These terms and conditions constitute the agreement ("Agreement") between you and Bank of Kansas City ("Bank") with respect to the provision of Online Statement Services (the "Service") to you. Your use of the Service constitutes your agreement to be bound by the terms of this Agreement. In this Agreement, the words "you" and "yours" mean each person who applied for the Service, and the terms "us" and "we" mean the Bank. This Agreement is in addition to other agreements between the parties.

Online Statement Service

The Online Statement Service is an alternative to receiving mailed paper statements. By applying for the Service, you authorize the Bank to stop mail delivery of your paper account statement and consent to the electronic delivery of your periodic statements and related notices. If you elect to receive online statements for one account on a combined statement, statements for all related accounts will only be available online.

The Bank will send an email reminder to the email address you provide through Online Banking when your online statement becomes available for viewing. It is your responsibility to keep your email information current. Email addresses may be updated at any time by selecting Self Services within Online Banking.

You agree not to give or make available your online password to any unauthorized individuals. You agree that it is your responsibility to examine your online statements and to contact us as soon as possible to report any irregularities or disputes. Statements and any legal notices about your account will remain available online for at least 18 months. You may also print or download statements to your computer, without charge. The Bank will provide a printed statement copy upon request to our 24-Hour ExpressBank and payment of the current fee.

It is your responsibility to provide and maintain the proper hardware and software that will enable you to view account statements online, which is the same hardware and software as is used for Online Banking. Your statements will be provided in Adobe Portable Document Format (PDF). To access and retain a PDF file, you need the free Adobe Acrobat Reader (version 4.05 or higher).

The terms of this Agreement, applicable fees and service charges may be altered or amended by the Bank from time to time. You agree that electronic delivery or posting of disclosures, notices, modifications and other communications about the Service on the Online Banking website has the same effect as mailing them to you (including modifications to the terms of the Deposit Account Agreement and Schedule of Fees and Services). The Bank cannot guarantee receipt of the notices. Any use of the Service after the Bank posts a change will constitute your agreement to such change(s). Further, the Bank may from time to time revise or update the programs, and/or related material which may render all prior program versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the Service, and/or related material and limit access to the Bank's more recent revisions and updates of the Service.

Your use of the Service may also be affected by the agreements between us for your deposit, debit card, credit card and other linked accounts.

In the event you wish to discontinue the Service, you must contact the Bank in writing. Written notice of Service discontinuance must be supplied ten (10) days prior to the actual discontinuation date and must be sent to:

BOK Financial Online Statements P.O. Box 2300 Tulsa, Oklahoma 74192

The Bank may terminate use of the Service by any individual at any time. Neither termination nor discontinuance shall affect your liability or obligation under this Agreement.

Upon our request, you agree to sign a non-electronic version of this Agreement. At your request, we will provide you with a paper copy of any of the regulatory disclosures or notices about the Service posted electronically without charge by calling us at (866) 836-0846.

© 2014 Bank of Kansas City, a division of BOKF, NA. Member FDIC. Equal Housing Lender.