Terms & Conditions

FIRST FEDERAL BANK OF KANSAS CITY

Digital Banking Services Agreement

Effective as of August 22, 2022

WELCOME

This Digital Banking Services Agreement ("Agreement") governs your use of the digital financial services ("Digital Banking") made available by First Federal Bank of Kansas City ("First Federal") through our online banking site at www.ffbkc.com or through our mobile application(s) available on Android or iOS. The availability of the Digital Banking services described in this Agreement (each, a "Service") may vary depending on how you access Digital Banking (via website or mobile app) and some Services are only available for certain account types. This Agreement is revised periodically, and it may include changes from earlier versions. By using Digital Banking, you agree to the most recent version of this Agreement, which is always available to you online at www.ffbkc.com and within our mobile application(s). If you have any questions, please contact us using the methods described at the end of this Agreement.



TABLE OF CONTENTS

Definitions

Privacy & Security

Unauthorized Transactions and Errors

Managing Your Contact Information

Features to Help Manage Your Accounts

Features to Help you Move Money

Features to Help Manage Your Money

Additional Terms of Use

Contact Us



DEFINITIONS

The words "we," "our," and "us" mean First Federal Bank of Kansas City and its affiliates, employees, successors, and assigns.

The words "you" and "your" mean each account owner and anyone else with access to the account to perform the transactions or receive the services covered in this Agreement. If there is more than one owner, then these words mean each account owner separately and all account owners jointly.

"Bill Pay Service" is a Service that allows you to transfer funds from your FFBKC account(s) to make payments to Payee(s).

"Business Account" means any account established for purposes other than personal, family, or household use. For example, an account established by a sole proprietor, a corporation, a partnership, a limited liability company, or any other business entity.

"Business Days" include Monday through Friday. The Federal Reserve Bank holidays are not Business Days.

"Check Image" means an electronic image of an original paper draft (check), payable on demand to you, and drawn on (or payable through) an office of a United States bank.

"Consumer" means a natural person, and does not include a corporation, limited liability company, or other entity.

"Consumer Account" means any demand deposit account (checking, savings, money market, etc.) or credit card account established primarily for personal, family, or household purposes.

"Electronic Deposit" means the package of information (including the Check Image, dollar amount information, deposit account information, etc.) that is transmitted to us, allowing for the deposit, processing, and collection of the item.

"External Account" means a Consumer Account held at a domestic (United States) financial institution other than First Federal Bank of Kansas City.

"FFB2FFB Service" is a Service that allows you to transfer funds from your FFBKC account(s) to FFBKC Consumer Account(s) owned by other persons.

"Log-in Credentials" means your personal ID, password, and any other unique biometric attribute (such as facial recognition or fingerprint) used to access Digital Banking.

"ME2ME Service" is a Service that allows you to transfer funds between your FFBKC Consumer Accounts or between your FFBKC Consumer Account(s) and your linked External Accounts.

"Payment Account" means an account from which the payments or transfers you initiate will be debited, or to which payments and credits to you will be credited. Not all accounts are eligible to be designated as a Payment Account; eligible accounts will be displayed within the Digital Banking user interface.

"Payment Instruction" means the information you provide for a payment to be initiated to a Recipient or Payee through our Bill Pay Service (such as the amount of the payment, the date of the payment, the recipient's or biller's name, address, mobile telephone number, email address, or bank account and routing number).
"Payment Schedule" means the pre-authorized payments that you schedule to occur on a specific date or a recurring set of dates.

"P2P Service" means the "person to person" Service through which funds may be transferred to or from your FFBKC account(s) to an External Account held by another person or entity.

"Recipient" or "Payee" means a person or business entity that receives a payment through Digital Banking.

"Service Provider" means companies that we have engaged to render certain of the Services to you.

"Transfer Instruction" means the information you provide for a transfer to be initiated through the FFB2FFB, ME2ME and P2P Services.

PRIVACY & SECURITY

Protecting your privacy is important to us. All information gathered from you in connection with using Digital Banking will be governed by the provisions of the First Federal Privacy and Security Policy (the "Privacy Policy") which is available online or by calling us.

We will disclose information to third parties about your account or the transfers you make when it is necessary to complete the transfers you initiate using Digital Banking, to activate additional services, to verify the existence and condition of your account for a third party (such as a credit bureau or merchant), to comply with government agency or court order, to provide to credit bureaus for research purposes, or if you give us written permission.

Protecting your log-in credentials

Prevent unauthorized access to your accounts by keeping your Log-in Credentials confidential and ensure that you log out of Digital Banking when you are finished. If you choose to activate a biometric feature (such as a fingerprint or face scanner), it is your responsibility to control access to Digital Banking just as you would with your personal ID and password. You acknowledge that any person who has a biometric feature stored in your device may be able to access Digital Banking on that device.

We will never ask you to share your Log-in Credentials, and you do not need to share your Log-in Credentials to send or receive money using Digital Banking. If you give another person or business access to Digital Banking by sharing your Log-in Credentials, you agree that each such third-party will be authorized to act on your behalf and will be bound by this Agreement (and any separate agreement governing your account). We are not responsible for managing the authority of your third-party relationships, or the use of Digital Banking by an authorized third-party using your Log-in Credentials. You will be presumed to have authorized any activity performed using your Log-in Credentials, even if you did not specifically intend it. If you have shared your Log-in Credentials with a third-party, and wish to revoke that access, you must contact us to block access to Digital Banking until new Log-in Credentials are established.

Contact us at 816-245-4225 immediately if:

- You would like to disable or revoke your password.

- You believe that your password or other means to access Digital Banking has been lost, stolen, used without your authorization, or otherwise compromised.

- You believe that someone may attempt to use Digital Banking without your consent or has transferred money without your permission.

AN IMMEDIATE TELEPHONE CALL TO US AT 816-245-4225 IS THE BEST WAY TO REDUCE OR PREVENT UNAUTHORIZED ACCESS OR ANY POSSIBLE LOSSES.


UNAUTHORIZED TRANSACTIONS & ERRORS

If you believe that an unauthorized transaction has been made from your account or you suspect any other fraudulent activity on your account, notify us by calling us at 816-245-4225 or by writing us at First Federal Bank, Attn: Customer Service, P.O. Box 419194, Kansas City, MO 64141-6194. Contacting us right away will help reduce possible losses.

Reporting unauthorized transactions

Consumer accounts

You will not be liable for unauthorized transactions or transfers involving your Consumer Accounts if you report any unauthorized transactions within sixty (60) days of when we first deliver a statement to you disclosing an unauthorized transaction. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may, at our sole discretion, extend the period.

Business accounts

We may process any instructions submitted using your Log-in Credentials and such instructions are effective even if you did not transmit or authorize them. You agree to maintain appropriate accounting and auditing procedures to protect your Business Accounts from intentional or negligent misuse. You agree to promptly review all paper and electronic statements, notices, and transaction information we provide and to report all unauthorized transactions and errors immediately.

Reporting errors

Consumer accounts

Contact us at 816-245-4225 as soon as possible if you think your statement or transaction history is incorrect, or if you need more information about any transaction listed in your statement or transaction history. We must hear from you no later than six (6) days after we sent the first statement on which the problem or error appeared. When reporting an error, please be ready to provide all the following:

- Your name and account number.

- A description of the error or the transaction in question. Please explain as clearly as possible why you believe it is an error, or why you need more information.

- The dollar amount of the suspected error.

If you tell us verbally, we may require that you send your request in writing within ten (10) Business Days of your verbal notification. We will tell you the results of our investigation no more than ten (10) Business Days after you notify us and will correct any error promptly. However, if we need more time to complete our investigation, we may take up to forty-five (45) days. In this case, we will provisionally credit your account within ten (10) Business Days for the amount you think is in error, so you will have use of the money during the time it takes us to complete our investigation. If we ask you to submit your request in writing and do not receive it within ten (10) Business Days, we may not provisionally credit your account. For errors involving new accounts, we may take up to ninety (90) days to investigate your request and up to twenty (20) Business Days to provisionally credit your account for the amount you think is in error. Your account is considered a new account for the first thirty (30) days after the first deposit is made. We will inform you of the results within three (3) Business Days of completing our investigation. If we decide there was no error, any provisional credit we provided will be revoked, and you will be responsible for refunding us the full amount of the provisional credit. We will send you a written explanation of why the claim was denied, and you may request copies of documents used in our investigation.



MANAGING YOUR CONTACT INFORMATION

Your use of Digital Banking may be limited, suspended, or terminated if you do not maintain accurate contact information or if we cannot verify your identity. It is your sole responsibility, and you agree to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, physical address, phone numbers and email addresses. Changes to your contact information and communication preferences may be made within Digital Banking or by contacting us. We are not responsible for any payment processing errors or fees incurred if you do not provide accurate account or contact information.

Through your enrollment in or use of each Service, you agree that we reserve the right to request a review of your credit rating at our own expense through an authorized bureau. In addition, and in accordance with our Privacy Policy, you agree that we reserve the right to obtain personal information about you, including without limitation, financial information and transaction history regarding your FFBKC account(s) and your accounts with your Payees. You further understand and agree that we reserve the right to use personal information about you for our and our Service Providers' everyday business purposes, such as to maintain your ability to access the Service, to authenticate you when you log in, to send you information about the Service, to perform fraud screening, to verify your identity, to determine your transaction limits, to perform collections, to comply with laws, regulations, court orders and lawful instructions from government agencies, to protect the personal safety of subscribers or the public, to defend claims, to resolve disputes, to troubleshoot problems, to enforce this Agreement, to protect our rights and property, and to customize, measure, and improve Digital Banking and its content and layout. Additionally, we and our Service Providers may use your information for risk management purposes and may use, store, and disclose your information acquired in connection with this Agreement as permitted by law, including (without limitation) any use to effect, administer or enforce a transaction or to protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liability. We and our Service Providers shall have the right to retain such data even after termination or expiration of this Agreement for risk management, regulatory compliance, or audit reasons, and as permitted by applicable law for everyday business purposes. In addition, we and our Service Providers may use, store, and disclose such information acquired in connection with the Service in statistical form for pattern recognition, modeling, enhancement and improvement, system analysis and to analyze the performance of the Service.

For the duration of our relationship, you authorize your wireless operator (AT&T, T-Mobile, Verizon, or any other wireless operator or carrier) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, to allow us to verify your identity and to compare information you have provided to us with your wireless operator account profile information. This information may also be shared with other companies to support your transactions with us and for identity verification and fraud avoidance purposes.

We may also share certain personal information and device-identifying technical data about you and your devices with Service Providers, who will compare and add device data and fraud data from and about you to a database of similar device and fraud information in order to provide fraud management and prevention services, which include but are not limited to identifying and blocking access to the applicable service or website by devices associated with fraudulent or abusive activity. Such information may be used by us and our Service Providers to provide similar fraud management and prevention services for services or websites not provided by us. We will not share with Service Providers any information that personally identifies the user of the applicable device. See our Privacy Policy for more information on how we treat your data.

Receiving email, text messages, and other communications

Many customers use email as their primary form of communication with us. If you provide us with an email address, you agree that we may communicate with you via email, and you further agree to notify us of any changes to your email address.

By providing us with a telephone number for a mobile device, including a number that you later convert to a mobile device number, you are expressly consenting to receiving communications, including, but not limited to, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system, from us and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur fees from your mobile services provider.

You represent that you are authorized to use the email address or mobile phone number that you use for Digital Banking, and you expressly consent to receiving non-marketing emails or text messages from us (and Service Providers associated with Digital Banking), from other users sending or requesting money from you, and from other participating network banks (or their agents) regarding transfers between participating network banks and you.

You acknowledge that any messages sent in connection with sending or receiving money through our FFB2FFB, ME2ME or P2P Services are initiated by you and that we (and affiliated Service Providers) only facilitate the delivery of such messages on your behalf. To the extent required, you are responsible for gaining consent from any person or entity to whom you intend to send messages and/or money using any of the Digital Banking.

Message frequency depends on your account settings and how often you use the Digital Banking that utilize such functionality. In the event your mobile device is lost or stolen, you agree to update your information and make the appropriate changes to disable the use of your device. If you need assistance, contact us at 1-816-245-4225, www.ffbkc.com, or send a text message with the word "HELP" to 61539. To stop receiving text messages on your mobile phone, text the word "STOP" to 61539. You will receive a one-time confirmation text message.

The text messaging features of Digital Banking are available from all major wireless operators based in the United States of America (AT&T, Verizon, T Mobile, and other major wireless operators or carriers). Text messages may be delayed (or not delivered) if your mobile device is not in range of a transmission site, placed in airplane mode, or if sufficient network capacity is not available at a particular time. Even within a coverage area, factors beyond the control of your wireless operator may interfere with message delivery, including your equipment, terrain, proximity to buildings, foliage, and weather. You acknowledge that urgent alerts may not be punctually received, that your wireless operator does not guarantee that alerts will be delivered, and that we, our Service Providers, and the wireless operators are not liable for delayed or undelivered messages.

Monitoring and recording communications

We may monitor and/or record any communications between you and us (or our Service Providers) for quality control and other permitted business purposes. This monitoring or recording may be done without any further notice to you or anyone acting on your behalf.

Location-based services

If you use any location-based feature (such as our ATM locator) you agree that your geographic location and other personal information (such as your unique device identifier) may be accessed and disclosed through the application or service. You may turn off location-based features at any time through the settings of your mobile device. If you disable location-based services, other features that use your location may not work until you re-enable location-based services.



FEATURES TO HELP MANAGE YOUR ACCOUNTS

All your eligible accounts are automatically associated with your digital profile and will appear on the account summary screen. We make every effort to ensure that your use of Digital Banking is synchronized between the various means of accessing your account information. There are rare instances, however, where the information available through Digital Banking may be delayed or different from the information available using other methods (such as at an ATM or branch location). Additionally, some information available at a branch or ATM may not be immediately available via Digital Banking, or it may be described using different terminology. In the event of any discrepancies, the information related to your account(s) provided at a branch location will prevail over the information provided within Digital Banking.

The account information listed on the account summary screen is not a substitute for your official periodic account statement, transaction history or other correspondence you may receive from us. Any legal notices that normally accompany your mailed statement will either continue to be mailed or delivered to you electronically in accordance with your account preferences.

Account nicknames

You may add a unique nickname to your account(s) to help you identify and manage multiple accounts. Account nicknames are only visible to you and do not change the ownership rights of your account.

Statements and notices

For most accounts, you have the right to receive paper statements (a fee may apply) and other account-related notices for any account that you access electronically, but you may elect to receive electronic versions of account statements and notices (e-statements) as detailed below.

Generally, the cycle time for your e-statements will be the same frequency as your paper statements. When you start receiving e-statements, you (and any joint owner) will begin to build a six-year electronic document history that will be available within Digital Banking.

If you add a joint account owner, the joint owner will be able to see statements from the time he or she becomes a joint owner and may also be able to gain access to information from before the time you added them to the account by searching account history for specific transactions.

Once you enroll in the electronic presentment of any document, you will no longer receive paper versions of the selected documents unless you specifically request it. Contact us to request a paper copy of any disclosure, notice or other document. Copies of required regulatory disclosures and tax statements will be mailed at no charge. Reverting to paper delivery, requesting copies of previously issued account statements, and requesting copies of checks or other account-specific items may incur a fee. (See your Service Fee Schedule for paper delivery pricing information.) We reserve the right to terminate your use of Digital Banking if you withdraw your consent to receive electronic communications.

You are responsible for downloading and saving your electronic documents for your own purposes. If you close an account, you will no longer have digital access to the closed account or the associated electronic documents. Your final account statement will be produced on paper and mailed to you. You can request a paper copy of any past statement by contacting us.

E-statement availability alert

When you enroll in e-statements, you will be automatically enrolled in e-statements availability alerts. These alerts will be sent in accordance with your notification preferences. Please see the account alerts section for more information on managing your account alerts.

By enrolling any account in e-statements, you agree that the e-statements availability alert constitutes the date of delivery of such e-statement. The statute of limitations regarding claims related to any items disclosed in a particular e-statement begins on the date we notify you that an e-statement is available. Any failure to access, view, print and/or save an e-statement will not impact the statute of limitations.

Account statements and notices

If you enroll in e-statements, you will also receive electronic versions of any notices that may be periodically provided with your account statements. For example, important annual disclosures that are normally provided with your paper statements will now be delivered to you electronically along with your e-statements.

Any account owner may enroll in e-statements for accounts in which they have an ownership interest. If an account has multiple owners, the enrolled account will no longer appear on any paper statement, but it will be available to all owners who use Digital Banking. If you were receiving information for multiple accounts on your paper statement, please be aware that, after e-statement enrollment, you will begin to receive a separate e-statement for each account that is registered.

Managing your delivery preferences

You may manage your delivery preferences for e-statements and notices by logging in and updating your paperless preferences or by contacting us. If you opt-out of any electronically presented statement or notice, the next available statement or notice will be mailed to you at the address we have on file and the associated account alert will be discontinued. Statements and notices that were previously presented electronically will not be mailed to you. Any accounts that were previously combined on your paper statement will have to be re-combined by request at your local branch or by contacting us.

In addition to having access to images of cancelled checks from your transaction history within Digital Banking, you also have the option to add the images of cancelled checks to your e-statements. For accounts that are eligible to receive images of cancelled checks, you can manage this feature by logging in and updating your paperless preferences.

Account alerts

Account alerts are notifications and reminders (such as low balance alerts) related to your accounts. Account alerts and alert options vary based on the type of account. Generally, you may choose which account alerts you would like to receive, the account(s) to which the alerts will relate, and the email address and/or mobile number to which the alerts will be sent. You agree to notify us of any change to your contact information to ensure continued delivery of your account alerts. Message and data rates may apply, and the message frequency depends on the account settings you select.

Delivery of alerts

By providing us with a telephone number (including a wireless/cellular or mobile telephone number) and/or email address, you consent to receiving calls from us and our Service Providers at that number INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or emails from us for our everyday business purposes (including identity verification). You acknowledge and agree that such communications include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an ATDS from us or our affiliates and agents. Please review our Privacy Policy for more information. Account alerts will be sent at various times on any day that transactions meeting your specified criteria occur. You understand and agree that account alerts may not be sent on a "real time" basis and may be sent at the next scheduled delivery time after the specified transaction event occurs. We reserve the right to change the frequency or timing of account alerts.

Limitations of account alerts

Account alerts are for informational purposes only and are not intended to replace your account statements or any other communications we may provide to you regarding your account(s). Some account alerts may be automatically suppressed if we receive notice that you have filed for bankruptcy or if you have otherwise instructed us to cease and desist communication with you in relation to collection efforts on your account(s).

FEATURES TO HELP YOU MOVE MONEY

General terms

Restricted use

You agree that you will not use Digital Banking for any of the following payments or requests for payments:

- Requests for the payment or collection of an overdue or delinquent debt owed to you, or to request money that is owed to another person.

- Payments to persons or entities located outside of the United States and its territories.

- Payments that violate any law, statute, ordinance, or regulation (including, but not limited to, internet gambling).

- Using the P2P Service for payments to state or federal governmental entities (e.g., payments for fines or taxes).

- Using the P2P Service for court-ordered payments (including court ordered amounts for alimony or child support).

We reserve the right, but assume no obligation, to terminate your ability to use Digital Banking, or limit your ability to transfer money to specific recipients, if we deem such activity to be potentially unlawful, abusive, offensive, or unwelcome by the recipient. In no event shall we be liable for any claims or damages resulting from your use of Digital Banking for prohibited payments.

Accuracy

It is your responsibility to ensure the accuracy of any information that you enter, and you will be responsible for any transaction processed on your Payment Instruction or Transfer Instruction even if you make an error. For example, you are still responsible for the payment if you mistype the account number, the telephone number, or the email address; if you incorrectly enter the dollar amount; or if you duplicate a transaction because you believe the initial transaction was not successful.

You are responsible for informing us as soon as possible if you become aware that any information you entered is inaccurate. Once informed, we will make a reasonable effort to recover a payment made to the wrong person or entity, but we do not guarantee such recovery, and are not responsible for damages resulting from information that is entered erroneously.

Authorization

When we receive a Payment Instruction from you, you authorize us to debit your Payment Account and remit funds on your behalf. You also authorize us to credit your Payment Account for the receipt of payments, including, but not limited to, those payments returned to us from Recipients to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed. When you use Digital Banking to make transfers from credit accounts, you agree that we may take any action required to obtain cash advances on your behalf, including charging your linked credit account without your signature. Each transfer made from a credit card account is treated as a cash advance from that account and is subject to the terms of your card member agreement.

If there are insufficient funds in the Payment Account to make payments you have authorized, we may either refuse to make the payment or we may make the payment and thereby overdraw the Payment Account. In either case, you are responsible for any insufficient funds or overdraft charges we may impose. We reserve the right to refuse to honor Payment Instructions and Transfer Instructions that reasonably appear to be fraudulent, erroneous, or in violation of this Agreement.

Payment method

We reserve the right to select the method for completing your Payment Instruction or Transfer Instruction. These payment methods may include a payment using the Automated Clearing House "ACH" network, an electronic payment, an electronic to check payment, a single use pre-paid debit card, or a paper check issued on your behalf. Funds remitted to the Payee via paper check will not be deducted from your Payment Account until the paper check is presented to us for payment.

We are responsible for your actual losses that are directly caused by our failure to initiate or cancel your properly entered and transmitted Payment Instruction or Transfer Instruction. However, we will not be liable for any of the following:

- If you do not have adequate funds in your Payment Account to complete a transfer from that account, or if that account has been closed, or if withdrawals from your Payment Account have been prohibited by a court order such as a garnishment or other legal process.

- If you have not properly entered a Payment Instruction or Transfer Instruction in accordance with this Agreement, if your computer fails or malfunctions, or if Digital Banking was not working properly and this problem should have been apparent to you when you attempted to initiate a Payment Instruction or Transfer Instruction.

- If you do not initiate your Payment Instruction soon enough for your payment to be made and properly credited by the Payee by the time it is due, or if we make a timely bill payment, but the Payee does not credit your payment promptly after receipt.

- If circumstances beyond our control prevent or delay the execution of your Payment Instruction or Transfer Instruction. Such circumstances include delays or losses of payments caused by telecommunications outages, postal strikes, mail carrier delays, actions of third parties (such as Payees), equipment failures, and natural disasters.

- On Consumer Accounts for any indirect, incidental, or consequential damages if our failure was not intentional and resulted from a bona fide error, notwithstanding procedures to avoid these errors. We have no liability for indirect, incidental, or consequential damages associated with Business Accounts even if we have been advised of the possibility of these damages.

Managing your payment instructions and transfer instructions

You have options to manage the Payment Instructions and Transfer Instructions you establish using Digital Banking. As stated in more detail below, your ability to cancel or edit a payment will depend on the way the payment was initiated and whether the payment has begun processing.

Pre-authorized payments: If your payment has already started processing, you will be unable to cancel the payment. For pre-authorized payments that have not started processing, you must cancel or edit the Payment Instructions at least three (3) Business Days before the scheduled payment date. Examples of preauthorized payments include scheduled bill payments and recurring payments to your electronic billers. If you order us to cancel a preauthorized recurring payment at least three (3) Business Days before the payment is scheduled, and we do not do so, we will be liable for your losses or damages.

One-time payments: One-time payments process immediately and cannot be canceled or edited. You may cancel or edit scheduled payments at any time before the scheduled payment date.

Stop payment order

In addition to your options for managing Payment Instructions and Transfer Instructions, eligible Consumer and Business Accounts may also permit use of Digital Banking to initiate a stop payment order. A stop payment order is a formal request to stop the payment of a paper check or series of checks. If you believe that your check book or debit card is lost or stolen, or you otherwise believe someone may attempt to initiate unauthorized transactions on your account, please call us immediately at 816-245-4225. Stop payment orders are described in more detail in the account agreement for your account, and the charge for each stop payment order will be the current charge for that service as detailed in the Service Fee Schedule.

Submitting a stop payment order does not guarantee that the payment will be stopped; our ability to process a stop payment order will depend on the payment method and whether final payment has been made. A stop payment order does not change the existing agreement you may have with the payee and the payee may still have the right to collect payment. If you need to cancel a stop payment order, you may cancel the request within Digital Banking or by contacting us. Stop payment orders that are canceled through Digital Banking will be processed promptly. If you notify us in writing, it can take up to seven (7) Business Days to process the cancelation.

Electronic payments: You must request the stop payment order at least three (3) Business Days before the scheduled payment date to ensure that the payment has not started processing. If your electronic payment has already started processing, or has completed processing, you cannot initiate a stop payment order or otherwise stop the payment.

Paper payments: You may request a stop payment order for a paper check (or series of checks) drawn on your account that has not been presented for payment. If the paper check has been presented for payment, or has already been paid, you cannot initiate a stop payment order or otherwise stop the payment. A stop payment order for a paper payment will remain in place for up to (six)6 months.

Transfer money between accounts

You may transfer funds between the eligible accounts you hold with us, or between the eligible accounts you hold with us and an External Account ("External Transfer") using our FFB2FFB, ME2ME and P2P Services. In most cases, you may transfer funds from accounts in which you have an unrestricted right to withdraw funds or borrow money. You may initiate a one-time, scheduled, or recurring transfer of funds between any of your associated eligible Consumer, Business, or verified External Accounts.

Types of transfers and limitations

FFB2FFB Transfers: You may transfer funds between your FFBKC Consumer Account(s) and the FFBKC Consumer Account(s) owned by others using our FFB2FFB Service.

ME2ME Transfers: You may transfer funds between your eligible FFBKC Consumer Account(s) and/or your FFBKC Consumer Account(s) and your verified External Account(s) using our ME2ME Service.

P2P Transfers: You may transfer funds between your eligible FFBKC Consumer Account(s) and an External Account of a Payee or Recipient using our P2P Service.

Availability: External Transfers may only be used to transfer funds to or from other United States financial institutions.

Transaction limits: For security reasons, we limit the amount of money you can send or receive through our FFB2FFB, ME2ME, and P2P Services. Your current limits may be displayed on screen at the time of your transaction. We may change these limits at our sole discretion and at any time.

We reserve the right to limit the frequency and dollar amount of any transfers.

Timing and delivery

Transfers between FFBKC Consumer Accounts initiated before the daily cutoff time are generally posted immediately. The daily cutoff time, which varies based on the type of account, is described in the account agreement for that specific account.

Standard External Transfers initiated before 3:00 P.M. Central on a Business Day will begin processing immediately and the funds will generally be available in your designated External Account within three (3) Business Days.

All transfers initiated on a Business Day after the cutoff time, or transfers initiated on a non-Business Day, will begin processing on the next Business Day. In these instances, the date the transaction is processed will be considered the first Business Day, and the funds will be available in accordance with the selected delivery method as calculated from this date.

Linking your external account

You will be required to verify and authenticate your email address and your designated External Account before you will be able to transfer funds to or from an External Account.

Email verification: Before your first External Transfer, you will be required to either validate the email address we have on file for you or validate a new email address. In either case, we will send a message containing a validation code to the email address you have selected.

External account verification: You must verify your External Account by entering in the account type, the account number, and the ABA/Routing number of your External Account. As part of the verification process, you may be asked to confirm trial deposits into your External Account. Once you receive the trial deposits into your External Account, you will be asked to confirm the amount that was deposited.

External Account Authority

You represent and warrant that you have full transactional authority (i.e., the ability to initiate credits, debits, and withdrawals) on the designated External Account and that the External Account has no restrictions limiting such authority (i.e., a fiduciary account where you are the agent or trustee, an account blocked by a court order, an account that is subject of a garnishment order, etc.) You agree to indemnify and hold us and our Service Providers harmless (including the payment of reasonable attorney's fees) from any and all liability to third parties related to the stated authority of your External Account or any actions we take pursuant to your External Transfer instructions.

Send money with P2P Service

Our P2P Service allows you to send and receive money to or from a Payment Account by providing us with the name, email address, a mobile phone number, and/or bank account information of the Payee or Recipient. You may initiate payments to Recipients through the P2P Service by sending the Recipient an email or text message requesting that the Recipient provide the routing number and account number for the Recipient's External Account or by entering the routing number and account number for the Recipient's External Account for direct deposit. These payments are generally paid within two (2) Business Days. You may also initiate payments to Recipients by requesting a check to be mailed to the Recipient. These payments are generally paid within seven (7) Business Days.

With the P2P Service you can initiate:

- A one-time payment that will begin processing immediately

- A one-time future payment that will begin processing on a specified date

- A recurring future payment that will begin processing on a specified series of dates

P2P Service is intended to help you send money to friends, family, and other people or businesses you know and trust. Do not use the P2P Service to send money to anyone you do not know or trust. P2P transfers are not instantaneous. Payment delivery speed may vary. You agree that we are responsible for resolving any dispute you have with another person or business you have sent money to, or receive money from, using the P2P Service.

Managing your P2P Service recipients

You may manually add Recipients to your P2P Service Recipient list by typing in the first and last name of the Recipient along with the Recipient's mobile phone number and/or email address. The Recipient must then authorize the receipt of payments.

Sufficient funds

We debit funds from your Payment Account when you initiate a transfer of funds to another person, and you agree to maintain enough funds in your Payment Account to cover the any payments you initiate through the P2P Service. We have the right to reject or suspend any transaction you initiate using the P2P Service if you do not maintain enough funds in your Payment Account.

Sending money

When you send money, the receiving financial institution may execute your Transfer Instructions by exclusive reference to the registered email address or mobile number you enter or by reference to the account number only, even if the account number, email address or mobile number does not correspond to the account name or the name of the intended Recipient. The financial institution holding the receiving account may choose not to investigate discrepancies between the registered email addresses/mobile number and account names, and we do not have the ability to investigate discrepancies between registered email addresses/mobile numbers and account names at other financial institutions.

Most transfers from you to other users using the P2P Service will begin processing within minutes, but to protect you, us, and other network banks, there may be other circumstances when a payment may take longer. For example, a payment may be delayed if additional time is needed to verify your identity (or the identity of the person receiving money), to prevent fraud, or to meet regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your contact preferences.

Requesting money

You may use the P2P Service to request a payment by sending a short message to any person's email address or to a mobile phone number that is already registered with the P2P Service. The person receiving the request will have the option to pay the full amount requested, pay a partial amount, or decline the requested payment. You acknowledge that a payment request is not a guarantee that you will receive payment, and that your payment request may be ignored or rejected.

Funds requested through the request money feature are not credited to your account, and therefore not available for your use, until the person receiving the request initiates a payment to you. You will receive confirmation from us when the funds have been credited to your account.

You may cancel requests at any time before the receiver of the request initiates a payment to you; all unanswered requests will expire after 30 calendar days.

You agree that you are not engaging in the business of debt collection by attempting to use the P2P Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order.

Requests for money are solely between you and the other party. Neither we nor any of our Service Providers assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the sender of a request for money.

We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific people/businesses, if we deem such requests to be potentially unlawful, abusive, offensive, or unwelcome.

Message content

You are responsible for all communications you send through the P2P Service. We and other Service Providers have the right but not the obligation to monitor and remove content that we at our sole discretion find objectionable.

Unsuccessful transactions

We will notify you if we are unable to complete the payment for any reason.

When you send money, the Recipient is not required to accept the payment. If the Recipient does not claim the money within 9 calendar days, the P2P Service automatically cancels the request and returns the money to your Payment Account.

Make payments

With Digital Banking, you can make and manage one-time or pre-authorized automatic recurring payments to eligible accounts you hold with us, to another person, or to a business located in the United States.

Types of payments

One-time payment: You may establish a one-time payment to Payees and Recipients located in the United States through our Bill Pay, P2P, FFB2FFB and ME2ME Services.

Recurring payments: You may establish recurring payments to Payees located in the United States through our Bill Pay Service. You may also establish recurring payments to your eligible FFBKC account(s) and External Accounts using our ME2ME Service.

Manually created payment schedule: You may establish pre-authorized recurring payments to Payees in the United States. When establishing your Payment Schedule, you must choose:

- The payment amount: This must be the same amount for each pay period, with the exception that you may pre-authorize a different amount for the final payment of your Payment Schedule.

- The Payment Account.

- The date of the first payment.

- The frequency of the recurring payment (i.e., weekly, monthly, or annually). If the recurring payment date falls on a weekend or holiday, it will be paid on the preceding Business Day.

- The duration of the Payment Schedule. You may choose to have your Payment Schedule terminate on a specific end date or after a specific number of payments. Alternatively, you may choose to have your Payment Schedule continue indefinitely until you modify or cancel your pre-authorization.

Automated payment schedule: You may establish pre-authorized recurring payments to select accounts you hold with us and/or your electronically presented bills. When establishing an automated Payment Schedule, you must choose:

- The payment amount. The amount you authorize may be either the total amount due or the minimum amount due.

- The Payment Account.

- The date of the payment. This may be the date that the bill was received and posted within Digital Banking, the listed due date of the bill, or a specific number of days before the due date of the bill.

- The duration of the Payment Schedule. You may choose to have your Payment Schedule terminate on a specific end date or after a specific number of payments. Alternatively, you may choose to have your Payment Schedule continue indefinitely until you modify or cancel your pre-authorization.

If you have arranged for preauthorized recurring payments that will vary in amount, the biller will notify you of the amount to be deducted from your Payment Account.

Scheduling payments

When scheduling payments, you should select a payment date that is no later than the actual due date, unless the due date falls on a non-Business Day. If the actual due date falls on a non-Business Day, you must select a payment date that is at least one Business Day before the actual due date; Payment Instructions received on weekends or holidays will be considered received on the next Business Day. It is your responsibility to establish your payments in such a manner that your bills will be paid on time, and you are responsible for any late payment or finance charges that may be imposed as a result of your failure to transmit Payment Instructions in accordance with this Agreement.

Payment delivery

Standard: When establishing a one-time payment, we automatically select the first available standard delivery payment date for your Payee. You then have the option of changing your payment date to a rush delivery date (when available) or a future standard delivery date.

Rush delivery: Rush delivery is a feature that allows you to make a same day or overnight payment to your selected biller. When available, the earliest rush delivery payment date for each Payee will be displayed when you are scheduling the payment. Typically, same-day payments are available for Payees able to accept electronic payments and overnight payments for Payees that only accept paper check payments.

A fee will be assessed for each payment made using our rush delivery feature depending on the scheduled payment date. Rush delivery fees will be displayed within the Digital Banking user interface. Rush delivery is one of many options available to deliver a payment to a Payee and there may be alternate lower-fee or no-fee options available.

Early check presentment

A payment may be received by the Payee and presented to us for payment before your requested payment date if for example, the selected payment method is a paper check and it arrives earlier than the scheduled payment date and is deposited by the Payee. If you notice an item that has posted before the requested payment date, please notify us immediately.

Unsuccessful payments

We will process your Payment Instructions in accordance with the overdraft protection plan (if any) you have in place for your Payment Account. We will notify you if we are unable to complete your payment because of insufficient funds in your Payment Account, or if the payment would exceed the credit or overdraft protection limit of your Payment Account.

At our discretion, we may process your Payment Instructions and send funds to the Payee prior to successfully debiting your Payment Account. If we complete such a transaction and are not able to debit your Payment Account, you agree to the following:

- We may attempt to re-debit your Payment Account.

- You will reimburse us immediately upon demand the amount of the payment if we have already delivered the payment to the Payee.

- If applicable, you will pay us insufficient fund fees or overdraft fees incurred from your debit return.

- We are authorized to report the facts concerning the return to any credit reporting agency.

Returned payments:

Payees may return payments for various reasons such as the Payee account number or External Account Number is not valid, the Payee is unable to locate your account, or the Payee account is paid in full.

A payment may also be returned by the United States Postal Service ("USPS") for reasons such as the address provided is invalid, or the payee's forwarding address has expired.

For returned payments, we will work with you to correct the returned payment (and return it to your Payee), or we will void the payment and credit your Payment Account.

Bill discovery

Bill discovery is an optional feature that is designed to help you find and add billers to your profile. With your permission, we search our merchant database to generate a list of potential billers, and you choose which billers are added to your list.

Electronic bill presentment

You may import the payment information from select external billers to assist with setting up manual or automatic Payment Schedules.

Activation: The biller reserves the right to accept or deny your request to receive electronic bills. The presentment of your first electronic bill may vary from biller to biller. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the biller.

Authorization to obtain bill data: A biller may ask you to provide us with your username and password for that biller. By doing so, you authorize us to use the information to obtain your bill data.

Information provided to the biller: We are unable to update or change your personal information on file with your biller, so you must contact your biller directly to make such changes. We may, at the request of the biller, provide to the biller your email address, service address, or other data specifically requested by the biller at the time of requesting electronic bill presentment so that the biller can contact you to verify your request.

Notification: You will receive a notification in accordance with your contact preferences when a new bill payment has been initiated. In the event you do not receive a notification, it is still your responsibility to monitor your billers to ensure the delivery of your bills. You are responsible for ensuring timely payment of all bills.

Cancellation: The biller reserves the right to cancel the presentment of electronic bills at any time. You may also cancel electronic bill presentment at any time, but it may take up to 60 days, depending on the billing cycle of each biller. If you cancel electronic bill presentment, it is your sole responsibility to arrange for an alternative form of bill delivery. We will not be responsible for presenting any bills that are already in process at the time of cancellation.

Non-Delivery: You agree to hold us harmless if the biller fails to deliver your bill, and it is your sole responsibility to notify your billers directly if you do not receive your electronic bills. Copies of previously delivered bills must be requested from the biller directly.

Accuracy: We are not responsible for the accuracy of your bills; we are only responsible for presenting the information we receive from the biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the biller directly.

Limitations

Transaction limits: We reserve the right to limit the frequency and dollar amount of transactions from your Payment Account(s) for security or regulatory reasons and to charge or limit access for payroll payments.

Payee restrictions: You can only pay Payees within the United States and U.S. Territories. We reserve the right to refuse to pay Payees.

Your bill payments will not include your Payee's standard remittance slip. Some Payees may take more time to process your payment if the remittance slip is not included, and some payments sent without the remittance slip may be processed by your Payee at a different address. As a result, you should contact your Payees to determine the proper address and amount of lead time for scheduling your payments.

Account restrictions: Restricted accounts, including court-ordered blocked accounts, accounts with administrative holds, and accounts that require two or more signatures may not be designated as a Payment Account. If a Payment Account later becomes a restricted account, you agree not to use that account to make payments and you agree to notify us of the change.

Mobile Deposit Capture

The Mobile Deposit Capture Service is a service that allows you to remotely deposit paper checks into an eligible Consumer or Business Account by using the camera on your smartphone or other mobile device to capture a picture of front and back of the paper check. We will process and collect your Electronic Deposit through the check collection system just as we would a paper check.

You may only deposit items made payable to you individually or to you alternatively with another person or persons (John Doe or Jane Doe); jointly payable items (John Doe and Jane Doe) may not be deposited using the Mobile Deposit Capture Service unless both parties have endorsed the item. We reserve the right to reject any deposit for any reason.

The following items are specifically not eligible for mobile check deposit:

- Checks, including traveler's checks, that are drawn on banks located outside of the United States

- Checks payable in a medium other than U.S. dollars

- Non-cash items (as defined under Section 229.2(u) of Federal Reserve's Regulation CC)

- Promissory notes and similar obligations, such as savings bonds

- Third-party checks

- Pre-existing substitute checks

- Checks that have been previously returned as unpaid or uncollected

- Checks drawn on your own First Federal Bank of Kansas City account

- Checks more than 180 days old

- Checks that contain erasures or checks that have been altered

- Any other class of checks or drafts as identified by us from time to time.

Depositing your check

If you believe you may have deposited a check more than once, please contact us immediately at 816-241-7800.

Endorse the check: The check must be endorsed by all the payees of the check (except alternate payees) and deposited into one of the payees' accounts. Along with the payee's endorsement, it is recommended to include the printed words "For Mobile Deposit".

Enter the amount of the check: Enter the amount of the check carefully, as you are responsible for any errors you make in the mobile deposit process.

Create a check image: The Mobile Deposit Capture Service will use the camera on your mobile device to take a picture of the front and back of your check.

Confirmation and receipt: Within a few minutes of submitting an Electronic Deposit, you will receive an email message from us confirming that we have received the Electronic Deposit. If your Electronic Deposit is not accepted, you will receive a second message from us indicating that your deposit has been rejected. If you receive error messages indicating that the Electronic Deposit has been rejected, then the check must be physically deposited at your local bank branch.

Performance of the Mobile Deposit Capture Service may be affected by external factors such as communication network latency, Internet access, mobile signal strength and data connection speeds. An Electronic Deposit is not considered "received" by us unless we send you a message confirming that we received it.

Deposit limits

There are limits to the amount that you may deposit at any given time using the Mobile Deposit Capture Service, as follows:

- Per-item limit: Limits the amount of each item you deposit and applies to each separate item you deposit.

- Daily limit: Limits the total combined amount of all items deposited on a calendar day. Deposits made after 3:00 p.m. Central Time will apply to the daily limit of the next calendar day.

- Monthly limit: Limits the total combined amount of all items deposited during any consecutive thirty-day period.

Deposit limits are displayed within the user interface for the Mobile Deposit Capture Service. No single item deposited may exceed $5,000.00 and you may not deposit more than five items per Business Day. Customers with certain deposit limits will have their entire deposit amount held for up to five (5) Business Days. See "Delayed funds availability" below for more details. Deposit limits vary depending on many factors, including your deposit history and the length of your relationship with us. Deposit limits are subject to change as we continually evaluate these factors. Your current deposit limits will be displayed on screen at the time of deposit.

Funds availability

This policy only applies to deposits made using the Mobile Deposit Capture Service; deposits made at a branch location or ATM remain subject to the funds availability policy outlined in the most current version of your deposit account agreement. We are not liable for transactions you initiate before the funds are available for your use. Until you receive confirmation that the funds are made available, you may not withdraw the funds in cash, and we may not use the funds to pay items that you have written or honor other withdrawals you request. If we pay items that you have written or honor other withdrawals before funds are available to you, you may incur a fee if you overdraw your account.

The Mobile Deposit Capture Service is available 24/7/365, but the availability of the accepted deposit is subject to the following Business Day processing cutoff times:

- Deposits submitted and accepted before 3 p.m. Central Time on a Business Day: Generally, your total daily deposits will be available within three (3) Business Days.

- Deposits submitted and accepted after 3 p.m. Central Time on a Business Day (or items deposited on a non-Business Day): These deposits will not be processed until the next Business Day, which will be considered the recorded day of your deposit. Generally, we will make your total deposits available within three (3) Business Days.

Delayed funds availability

In certain circumstances, and at our discretion, the availability of your entire deposit (or a portion of your deposit) may be delayed for a longer period. You may refer to our Funds Availability Policy for additional information.

We will notify you if we delay your ability to withdraw funds, and we will tell you when the funds will be available. In most cases, funds will be available within (7) seven Business Days after the recorded day of your deposit.

Returned items and other problems with your deposit

If a check is returned to us for any reason, you agree that we may charge your account for any and all fees associated with the returned item.

You are responsible for the items you deposit that are returned to us unpaid and for any other problems involving your deposit even after the item has "cleared", we have made funds available to you, and you have withdrawn the funds.

Marking, retaining, and destroying original paper checks

To mitigate the risk of fraud or the presentment of duplicate items, you agree to clearly mark on the original paper check that the item has been deposited electronically. Do so after you receive confirmation that the deposit was received and accepted for processing by First Federal Bank of Kansas City.

Retention and destruction: Retain all checks for at least two Business Days after the deposit is made in case a check is returned and you need to re-deposit the original item. You agree to destroy all deposited checks as soon as reasonably possible thereafter and no later than 30 days after deposit.

Re-presentment: If we determine that we require the original paper check to process your deposit, you are responsible for providing to us the original paper check, or if the original paper check has been destroyed, for obtaining a replacement check.

Limitations of the Mobile Deposit Capture Service

Once a Check Image has been accepted for deposit, we are not able to delete or remove the item from the collection process and it becomes subject to the "Funds Availability" policy for the Mobile Deposit Capture Service.

You may not use the Mobile Deposit Capture Service if there are restrictions on your deposit account that prevent you from depositing or withdrawing funds.

We will take reasonable measures to ensure that the Mobile Deposit Capture Service is available, but we are not liable for system failures or temporary service disruptions that cause the Mobile Deposit Capture Service to be unavailable. If the Mobile Deposit Capture Service is unavailable; you are responsible for carrying out your business through alternative channels.

You indemnify and hold us and our Service Providers harmless from and against any and all claims, demands, damages, losses, liabilities, penalties, and expenses (including, without limitation, reasonable attorney fees and court costs) arising directly or indirectly due to any of the following:

- Your failure to follow the check eligibility or endorsement standards outlined in this Agreement.

- Your breach of any check presentment representation or warranty.

- Any of your acts or omissions in the capture, creation, or transmission of the Electronic Deposit.

- Any duplicate, fraudulent, or unauthorized presentment of an Electronic Deposit.

- Loss caused by our acceptance of the Electronic Deposit in lieu of the original paper check.

Representations and warranties

With respect to each Electronic Deposit, you make any representation or warranty that would have applied had you deposited the original paper check. This includes representations and warranties we make on your behalf when we transfer, present, or originate the Electronic Deposit created from your Check Image. These representations and warranties include, but are not limited to, that: (a) the transmissions contain accurate images of the front and back of the original checks; (b) the transmissions contain all necessary endorsements; and (c) no depository bank, drawee, drawer, or endorser will be asked to make a payment based on an item that it has already paid.

FEATURES TO HELP MANAGE YOUR MONEY

My Financial View

Our account aggregation services help you manage your finances by allowing us to retrieve account information from your accounts held at other financial institutions and provide you with a consolidated view of your finances. Account aggregation provided within Digital Banking is not available for all types of accounts.

Authority to access accounts on your behalf

We need your authorization before retrieving your account information held at other financial institutions and you will need to separately link each account you direct us to access on your behalf. You represent that you are a legal owner, or an authorized user, of the account(s) at other financial institutions which you access through Digital Banking, and that you have the authority to designate us as your agent and provide us with the passwords, usernames, and all other information associated with accessing your account(s) at other financial institutions.

You grant us a limited power of attorney and appoint us as your lawful attorney-in-fact and agent, with full power and authority to access third party internet sites, servers, or electronic documents to retrieve information on your behalf. You grant us the ability to use this information in your name and in your place, in any and all capacities, including in the same ways that are permissible by you in person. You understand and agree that we are not sponsored or endorsed by any third-party site. You acknowledge and agree that when we access and retrieve information from third-party sites, we are acting at your request and with your permission and authorization, and not on behalf of the third-party sites.

License to use your information

Your use of account aggregation services within Digital Banking is your authorization for us, as your agent, to access third-party sites which you designate to retrieve your information. You are licensing to us any information, data, passwords, materials, or other content (collectively, "Content") provided through, or in connection with, such account aggregation services. You agree that we may store, use, modify, display, distribute, and create new material using such Content for the purpose of providing services to you.

Limitations

Some third parties may limit (or block) account aggregation services. You are responsible for understanding whether such limitations exist and how these limitations may impact your ability to link accounts held with these third parties. We are not liable for errors that may result from limitations imposed by third parties.

Any information displayed or provided as part of the account aggregation service is for informational purposes only, may not reflect your most recent transactions, and should not be relied on for transactional purposes.

Third-party account aggregation services

Some companies offer financial management tools that allow you to access account information (including account statements and tax documents) from a variety of sources so that you can view multiple accounts at a single online location. These services may require you to provide personal identification information, including specific account information and your Log-in Credentials. By providing your Log-in Credentials to such a service you authorize that service to access your account which may include the ability to initiate transfers to or from your account. Please use caution when providing personal information and Log-in Credentials to third party service providers and read and understand the third party's privacy and security policies before sharing any personal information with the service.

Any use of a third-party site is at your own risk. If you elect to provide your Log-in Credentials or other information about your accounts to a third party, you are responsible for the use of your account or the disclosure of any personal information by the third party. Please see the section "privacy & security" in this Agreement for more information on safeguarding your Log-in Credentials. Should you decide to revoke any access you have given to a third party, you must contact us, in which case we may need to block your access to Digital Banking until we issue new Log-in Credentials.

Tools, calculators, and personal financial management software

Our Digital Banking may contain financial tools or insights based on your account activity, which are provided for educational purposes only. We do not guarantee the accuracy of the tools or information provided. We are not responsible for, and expressly disclaim all liability for, damages of any kind arising out of the use or reliance on the information provided by any of the tools or insights.

You may download certain transactional data for use with other software tools and products created by parties that we do not own or control, including personal financial management software. If you install or use such software, you are responsible for obtaining any applicable license agreements. You assume all risks of any software that you install, download, or use, and you understand that any information you enter into third-party software may be accessed by unauthorized third parties. If you use the third-party software to transmit information, you and the third-party provider are responsible for the security and confidentiality of that information.

ADDITIONAL TERMS OF USE

Help and assistance

In addition to our online FAQs, tips, and other resources, our user emulation services allow you to authorize us to login to your Digital Banking along with you to provide real time assistance or troubleshoot issues you may be experiencing on your device.

Ending the User Emulation Session

You may end your user emulation session at any time by asking our representative to logout of your Digital Banking.

Secure messaging

You may obtain help and assistance with Digital Banking by using our secure messaging service. If you would like to speak to a representative, please call us at 816-245-4225.

Fees

While there is no fee for most Services available through Digital Banking, there may be a fee associated with some features of Digital Banking. These fees are described in the Digital Banking user interface and/or in our Service Fee Schedule. Fees may be changed at our sole discretion, but you will receive notice of these changes in accordance with applicable law. You agree to pay all such fees associated with Digital Banking and authorize us to deduct the calculated amount from the account(s) you have with us.

You are responsible for any and all other fees and charges that may be assessed by your wireless operator, internet service provider, or any other third-party provider you may engage.

Taxes

It is your responsibility to determine what, if any, taxes apply to the transactions you make or receive, and it is your responsibility to collect, report and remit the correct tax to the appropriate tax authority. We are not responsible for determining whether taxes apply to your transaction, or for collecting, reporting, or remitting any taxes arising from any transaction.

Other agreements

This Agreement is in addition to other agreements and disclosures that apply to your account(s). For example, when you access your deposit account using Digital Banking, the terms and conditions of your deposit account continue to apply. If, however, there is a conflict between this Agreement and other account terms that specifically reference Digital Banking, this Agreement will control in resolving those inconsistencies.

Equipment

You are responsible for and must provide all mobile devices, computers, and/or other equipment, software (other than any software we provide), and services necessary to access Digital Banking. You may need additional software that is capable of opening PDF files to view, print, and/or save electronic versions of your documents. Refer to our System Requirements for additional information.

Links to other internet sites and third-party services

Digital Banking may contain links to other websites, merchandise, and services provided, owned, or operated by third parties. These links do not imply our endorsement or approval of material on any third-party website. The linked websites are not under our control, and we are not responsible for the availability, content, products, services, advertising, or other materials available on the third-party websites. Consequently, we cannot be held responsible for the accuracy, relevancy, copyright compliance, legality or decency of material contained in sites listed in any search results or otherwise linked to Digital Banking. For example, if you "click" on a banner advertisement or a search result, your "click" may take you out of Digital Banking. This may include links from advertisers, sponsors, and content partners that may use our logo(s) as part of a co-branding agreement. These other sites may send their own cookies to users, collect data, solicit personal information, or contain information that you may find inappropriate or offensive. In addition, advertisers on Digital Banking may send cookies to users that we do not control. The privacy policies of third-party websites may provide less security than our websites, so we strongly encourage you to read the third party's privacy policy before sharing any information with that third party. We reserve the right to disable links from any third-party sites to Digital Banking.

All matters concerning third-party websites, merchandise, and services provided or operated by third parties are solely between you and the third party. We make no warranties or representations whatsoever regarding any third-party website, merchandise, or service and we are not responsible or liable to you for any damages, losses, or injuries of any kind arising out of your use of any third-party website.

Intellectual property rights

All content connected with Digital Banking is the exclusive intellectual property of us, our licensors, and/or Service Providers and it is protected by copyrights and other intellectual property rights. You are permitted to use content delivered to you through Digital Banking only for your personal use. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse-compile any technology, including any software or other content associated with Digital Banking.

The trademarks, logos, and service marks displayed in connection with Digital Banking are the registered and unregistered trademarks of us, our Service Providers, or other third parties. Under no circumstances may you use, copy, imitate, alter, modify, or change these trademarks. Nothing contained on, in, or otherwise connected with these Digital Banking should be construed as granting (by implication or otherwise) any license or right to use any trademark without the express written permission of us or the third party, which has rights to such trademark.

All messages, suggestions, ideas, notes, concepts, know-how, techniques, data, applications, mail, and other information you may send to us through or regarding any of the Digital Banking shall be considered an uncompensated contribution of intellectual property to us and shall become our exclusive intellectual property. By submitting any of these materials to us, you automatically grant (or warrant that the owner of such materials has expressly granted) to us a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, publicly perform and display, create derivative works from and distribute such materials or incorporate such materials into any form, medium, or technology now known or later developed, and you warrant that all so-called "moral rights" in those materials have been waived, and you warrant that you have the right to make these warranties and transfers of rights.

Accessing Digital Banking from outside the United States

Digital Banking may not be available in all countries, and you understand that the described products and services are intended for customers located in the United States and U.S. Territories. You also understand that we are based in the United States, and that all information and transactions available within Digital Banking are reflected as U.S. currency.

We do not make any representation that Services available through Digital Banking are appropriate or available for use outside the United States or U.S. Territories. You are prohibited from accessing Digital Banking from territories where the use of any Digital Service is illegal. If you choose to access Digital Banking from locations outside the United States or U.S. Territories, you do so at your own risk and you are responsible for compliance with local laws.

Export control

You acknowledge that your use of Digital Banking is subject to the United States government export control laws and regulations, which may restrict or prohibit the use, export, re-export, or transfer of Digital Banking and any associated software. You agree that you will not directly or indirectly use, export, re-export, or transfer any Digital Banking except in compliance with applicable U.S. export laws and regulations. Without limitation, you agree that you will not use Digital Banking in any embargoed or sanctioned country.

Intended use

Digital Banking are intended for customers who are 18 years old or older, or otherwise able to lawfully enter into contracts under applicable law and in connection with your account or cardholder agreement. Without limiting the foregoing, Digital Banking is not available to minors unless the minor is using a Consumer Account in the name of the minor with a parent or guardian as a co-signer or guarantor. You agree not to use Digital Banking in any way that would: (a) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of Digital Banking to impersonate another person or entity; (b) violate any law, statute, ordinance or regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising) or violate or infringe upon any copyright, trademark, right or publicity or privacy or any other proprietary right under the laws of any jurisdiction; (c) promote hate, violence, racial intolerance, or the financial exploitation of a crime; (d) defame, abuse, harass or threaten others; (e) communicate language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (f) impose an unreasonable or disproportionately large load on our infrastructure; (g) access the information and content programmatically by macro, robot, spider or other automated means or by using a manual process to monitor or copy the Service or the portion of the Site through which the Service is offered without our prior written permission; (h) introduce any viruses, trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information; (i) bypass technology protecting Digital Banking, interfere or attempt to interfere, with any Service, or use Digital Banking in such a manner as to gain unauthorized entry or access to computer systems; or (j) cause us or our Service Providers to lose any of the services from our internet service providers, payment processors, or other vendors.

Changes in terms of use

We reserve the right to modify this Agreement at any time. You will receive notice in accordance with applicable law when any changes are made that materially affect your rights. By accessing your account and continuing to engage in Digital Banking, you agree to the most recent version of this Agreement.

Delay or suspension of service

We reserve the right to refuse to process any transaction you initiate, and we may suspend your access to Digital Banking at any time, for any reason, and without notice. Reasons we may suspend or terminate your use of Digital Banking include: you do not access your account(s) through the use of Digital Banking for a period of one (1) year, you close your account, suspicious account activity, or suspected abuse of terms outlined in this Agreement. Until your account is reinstated for Digital Banking, you will not be able to send and/or receive payments using any of the Digital Banking. If we terminate or suspend your use of Digital Banking, we reserve the right to make no further payments from your accounts, including any transactions you have previously authorized.

If you cancel your access to Digital Banking, you authorize us to continue to honor the Payment Instructions you have previously authorized until we have had a reasonable opportunity to act upon your cancelation notice. Once we have acted upon your cancelation notice, we will make no further payments from your accounts, including any payments you have previously authorized.

Without limiting any other provision of this Agreement, if we or any other Service Provider reasonably believes that your conduct in using Digital Banking constitutes a "Threatening Condition" (including, but not limited to, violation of this Agreement, violation of any applicable laws, rules, regulations, or industry standards, or otherwise poses a threat to any system, equipment, process, intellectual property, or the reputation of us or any Service Provider, we or any such Service Provider may provide you with a notice to cease the Threatening Condition. If, in the reasonable and good faith determination of us or any Service Provider, the Threatening Condition poses an imminent or actual threat (including regulatory investigation, inquiry or penalty) to us or any Service Provider or its systems, equipment, processes, or intellectual property, you agree that we or any other Service Provider may suspend any and all use of Digital Banking without notice.

Term and termination

We reserve the right to add or eliminate Digital Banking, and we may terminate all or part of this Agreement and your use of any or all Digital Banking for any reason and at any time with or without prior notice as the law requires. You agree that you will immediately stop using Digital Banking upon our request.

You may contact us to voluntarily terminate your access to Digital Banking and withdraw your consent to this Agreement. If you terminate your access and/or withdraw your consent to this Agreement, you will no longer have access to any of the Digital Banking Services.

All applicable provisions of this Agreement shall survive termination by either you or us, including, without limitation, provisions related to your liability, intellectual property, warranty disclaimers, limitations of liability, and indemnification.

No warranties

NEITHER WE, NOR SERVICE PROVIDERS, REPRESENTS OR WARRANTS THE ACCURACY, ADEQUACY, COMPLETENESS OR TIMELINESS OF DIGITAL BANKING, OR THE ERROR FREE USE OF DIGITAL BANKING. ALL DIGITAL BANKING ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND FREEDOM FROM A COMPUTER VIRUS.

IN THE EVENT OF A SYSTEM FAILURE OR INTERRUPTION, YOUR DATA MAY BE LOST OR DESTROYED. YOU ASSUME THE RISK OF LOSS OF YOUR DATA DURING ANY SYSTEM FAILURE OR INTERRUPTION AND THE RESPONSIBILITY TO VERIFY THE ACCURACY AND COMPLETENESS OF ANY TRANSACTIONS SO AFFECTED.

Limitation of liability; indemnification

WITH THE EXCEPTION OF THE PROTECTIONS OFFERED UNDER REGULATION E, IN NO EVENT WILL WE OR ANY SERVICE PROVIDERS BE LIABLE UNDER ANY CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHER CLAIM FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER CAUSED BY OR RESULTING FROM (1) THE USE OR THE INABILITY TO USE ANY DIGITAL SERVICE; (2) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LOSS OF DATA, THEFT, DESTRUCTION, OR UNAUTHORIZED ACCESS TO YOUR INFORMATION; (3) ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN INFORMATION OR CONTENT PROVIDED BY, CONTAINED WITHIN, OR OBTAINED THROUGH ANY DIGITAL SERVICE, OR (4) ANY OTHER FAILURE, ACTION, OR OMISSION.

YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD US AND OUR SERVICE PROVIDERS HARMLESS FROM ANY AND ALL THIRD-PARTY CLAIMS, ACTIONS, LIABILITY, DAMAGES AND/OR COSTS (INCLUDING, BUT NOT LIMITED TO, REASONABLE ATTORNEY'S FEES) ARISING FROM (1) A THIRD-PARTY CLAIM, ACTION OR ALLEGATION OF INFRINGEMENT, MISUSE OR MISAPPROPRIATION BASED ON INFORMATION, DATA, FILES OR OTHER MATERIALS SUBMITTED BY YOU TO OR THROUGH ANY DIGITAL SERVICE;(2) ANY FRAUD, MANIPULATION OR OTHER BREACH OF THIS AGREEMENT BY YOU; (3) ANY THIRD-PARTY CLAIM, ACTION OR ALLEGATIONS BROUGHT AGAINST US ARISING OUT OF OR RELATING TO A DISPUTE WITH YOU OVER THE TERMS AND CONDITIONS OF AN AGREEMENT OR RELATED TO THE PURCHASE OF SALE OF ANY GOODS OR SERVICES; (4) YOUR VIOLATION OF ANY LAW OR RIGHTS OF A THIRD PARTY; OR (5) USE OF ANY DIGITAL SERVICE OR USE OF YOUR ACCOUNT BY ANY THIRD PARTY. WE RESERVE THE RIGHT, AT OUR OWN EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO INDEMNIFICATION BY YOU, IN WHICH EVENT YOU WILL COOPERATE WITH US IN ASSERTING ANY AVAILABLE DEFENSES. YOU WILL NOT SETTLE ANY ACTION OR CLAIMS ON OUR BEHALF WITHOUT OUR PRIOR WRITTEN CONSENT.

Waiver

We will not be deemed to have waived any of our rights or remedies under this Agreement unless our waiver is in writing and signed by our authorized officer. No delay or omission on our part in exercising any rights or remedies will operate as a waiver. A waiver on one occasion will not be construed as a bar or waiver of any rights or remedies on future occasions.

Severability and headings

If any provision of this Agreement is held to be void or unenforceable in any jurisdiction, such ineffectiveness or unenforceability shall not affect the validity or enforceability of such provision in any other jurisdiction or the validity or enforceability of any other provision in that or any other jurisdiction.

The headings in this Agreement are for convenience or reference only and do not govern the interpretation of provisions of the Agreement.

Assignment

You may not transfer or assign any of your rights or obligations under this Agreement to any other party and we will not honor any such assignment. We may assign this Agreement and you agree that we have the right to delegate to Service Providers all the rights and performance obligations that we have under this Agreement, and that the Service Providers will be third-party beneficiaries of this Agreement and will be entitled to all the rights and protections that this Agreement provides us.

Complete agreement

This Agreement represents the sole and exclusive agreement between you and us regarding Digital Banking and merges and supersedes all previous and contemporaneous written or oral agreements and understandings regarding the subject matter hereof. This Agreement is governed by all applicable Federal laws of the United States of America and the laws of the State of Missouri (without regard to any choice of law provisions thereof).

CONTACT US

You may contact us through Digital Banking, at a branch, or by contacting us as described below. Please note that some account types have unique contact information. Keep in mind that we may not immediately receive electronic messages you send, and we will not take action based on your electronic message until we actually receive it and have a reasonable time to act. If you need immediate assistance, or you would like to report an unauthorized transaction, please call us at 816-245-4225.

Call immediately to report unauthorized transactions.

You may also contact us in writing at:

First Federal Bank of Kansas City

Attn: Customer Service

P.O. Box 419194

Kansas City, MO 64141-6194