Enrollment

 
Welcome to Capitol Federal's True Blue Online® electronic banking service. Please review the following terms and conditions and select the Accept button provided at the bottom of the screen to continue the enrollment process.

True Blue Online®

Terms and Conditions


TABLE OF CONTENTS

1. Introduction

2. Eligible Accounts

3. Access to Eligible Accounts

   A. Access

   B. Joint Accounts

4. Secure Messages

5. Online Services

6. Linked Eligible Accounts

7. Electronic Fund Transfer Provisions For Consumers

   A. Errors

   B. Preauthorized Payments

8. Liability

   A. Your Liability For Unauthorized Transfers

   B. Our Liability

   C. Terms And Liability Limitations Relating To Use Of Third Party Software With TBO.. 1

9. Security

10. Indemnification

11. Third Parties

12. General Provisions

   A. Termination

   B. Changes

   C. Assignment 1

   D. Notice to You

   E. Disclosure of Information

   F. Periodic Statements

   G. Law and Forum for Disputes

   H. No Waiver 1

   I. Links and Frames

13. Fees

   A. Fees relating to Online Services

   B. Other Charges

   C. Eligible Account Fees and Charges

14. Terms and conditions for Bill Payment Service

   A. Introduction

   B. The Service

   C. Payment Scheduling

   D. The Service Guarantee

   E. Payment Authorization and Payment Remittance

   F. Payment Method

   G. Payment Cancellation Requests

   H. Stop Payment Requests

   I. Prohibited Payments

   J. Exception Payments

   K. Bill Delivery and Presentment

   L. Exclusions of Warranties

   M. Service Fees and Additional Charges

   N. Failed or Returned Transactions

   O. Alterations and Amendments

   P. Address or Banking Changes

   Q. Bill Payment Service Termination,Cancellation, or Suspension

   R. Biller Limitation

   S. Returned Payments

   T. Information Authorization

   U. Disputes

   V. Assignment

   W. No Waiver

   X. Bill Payment Terms and Conditions,Severability, Captions

   Y. Definitions for the Bill Payment Terms and Conditions

15. Terms and conditions for ATS Service

   A. Introduction

   B. Service Providers

   C. Amendments/Termination of ATS Service

   D. Our Relationship With You

   E. Assignment 1

   F. Notices to You

   G. Calls to You

   H. Receipts and Transaction History

   I. Your Privacy

   J. Eligibility

   K. Acceptable Use

   L. Transfer Authorization and Processing

   M. Transfer Methods and Amounts

   N. Transfer Cancellation Requests and Refused Transfers

   O. Stop Payment Requests

   P. Taxes

   Q. Service Fees and Additional Charges

   R. Failed Or Returned Transfers

   S. Address or Banking Changes

   T. Refused Transfers

   U. Returned Transfers

   V. Information Authorization

   W. ATS Service Cancellation by You

   X. ATS Service Cancellation, Termination, or Suspension by Us, and Other Remedies for Breach. 1

   Y. Disputes

   Z. Waivers

   AA. Waiver of Class Action Claims

   BB. Release

   CC. Intellectual Property

   DD. Exclusions of Warranties

   EE. Limitation of Liability

   FF. ATS Terms and Conditions, Severability, Captions, and Survival 1

16. Terms and Conditions for PopmoneySMService

   A. Introduction

   B. Description of Popmoney Service

   C. Service Providers

   D. Amendments

   E. Our Relationship With You

   F. Assignment 1

   G. Notices to You

   H. Calls to You

   I. Receipts and Transaction History

   J. Your Privacy

   K. Privacy of Others

   L. Eligibility

   M. Prohibited Payments

   N. Acceptable Use

   O. Payment Authorization and Payment Remittance

   P. Initiation of Payment Transactions

   Q. Receiving Payments

   R. Payment Methods and Amounts

   S. Payment Cancellation, Stop Payment Requests and Refused Payments. 1

   T. Mobile Phone Users

   U. Taxes

   U. Service Fees and Additional Charges

   W. Failed or Returned Payment Transactions

   X. Address or Banking Changes

   Y. Refused Payments

   Z. Returned Payments

   AA. Information Authorization

   BB. Service Termination, Cancellation, or Suspension

   CC. Intellectual Property

   DD. Remedies for Breach

   EE. Disputes

   FF. Indemnification

   GG. Release

   HH. Exclusions of Warranties

   II. Limitation of Liability

   JJ. Complete Agreement, Severability, Captions, and Survival 1

   KK. Definitions for the Popmoney Terms and Conditions

17. Terms and Conditions for eStatement Service

   A. Description of the Service

   B. Authority and Binding Nature of Request for eStatements

   C. Withdrawal of Request for eStatement Service

   D. E-mail Address

   E. Your Responsibility for Loan Payments


True Blue Online® Terms and Conditions

1. Introduction

These True Blue OnlineTerms and Conditions ("Agreement") govern your use of True Blue Online® services available from Capitol Federal Savings Bank ("Bank", "we" "us" or "our"). In this Agreement, "TBO" refers to all online banking services offered on our Online Banking Website (the "Website"), including, without limitation, the Bill Payment Service (the "Bill Payment Service"), Account-to-Account Transfer Service (the "ATS Service"), the delivery of eStatements to you (the " eStatements Service") and PopmoneySM Personal Payments Service (the "Popmoney Service"), and "you" refers to Bank's customer who enrolls in and uses TBO, except as otherwise noted. The terms and conditions for the ATS Service (Section 14) and Popmoney Service (Section 15) are included at the end of this Agreement. The Bill Payment Service is governed by additional Terms of Use which you will receive when you enroll for the Bill Payment Service. Through TBO you may also request the eStatements Service. Together, the Bill Payment Service, ATS Service, Popmoney Service, eStatements Service and any other additional online service that we may offer in the future to you through TBO are the "Online Services".

You may use TBO to access your Eligible Accounts (defined in section 2 of this Agreement) through the Internet. You also may use TBO to access the Online Services through the Internet.

By enrolling in and using TBO to access an Eligible Account or Online Service you are agreeing to the terms of this Agreement in addition to the terms and conditions for the Eligible Account(s). In addition to this Agreement, you further agree that the Agreement and any amendments thereto may be delivered to you electronically.

2. Eligible Accounts

To enroll in TBO, you must use your social security number and Personal Identification Number ("PIN") that you have previously established. As part of enrollment in TBO, you will establish a User ID and Password to access TBO. Each personal, non-business deposit or loan account you have with the Bank that is identified with the same taxpayer identification number (social security number) as the number used to enroll and on which you are authorized to receive information and/or authorize transactions, is an "Eligible Account". Examples of accounts that you may elect to enroll as Eligible Accounts include checking, savings or money market (deposit) accounts, certificates of deposit, IRA and other retirement accounts, home equity lines of credit, other consumer loans and mortgage loans.

Your Eligible Accounts will continue to be subject to the agreements otherwise governing them, except where it is noted in this Agreement. Additionally, each Eligible Account and Online Service will be subject to the following:

  • the terms or instructions appearing on a screen when using TBO;
  • the Bank's procedures and policies applicable to each Eligible Account and each Online Service;
  • the rules and regulations of any funds transfer system used in connection with TBO; and
  • applicable state and federal laws and regulations.

These procedures, policies, laws and regulations may change from time to time without notice to you unless required by law. Your continued use of the service following receipt of the agreement or notice of change constitutes acceptance of the agreement or change.

3. Access to Eligible Accounts

A. Access. Through TBO, you may access an Eligible Account to:

  • view account balances, transaction history, paid checks and other information;
  • transfer funds between accounts held at the Bank;
  • categorize transactions, track spending, setup budget alerts on accounts;
  • perform self-service transactions to include check reorders, add a stop payment, change your TBO Password, change your e-mail address, change your address and manage account preferences;
  • send and receive secured messages to inquire about your accounts and other Bank services;
  • report a lost, stolen or damaged Passcard;
  • request a copy of a paid check and to request a copy of a previous statement;
  • setup transaction, security, balance alerts; and
  • utilize the Online Services.

To use TBO you must have the required hardware and software, including browser software, that meets the authorized security level. Generally you are able to access your Eligible Accounts through the Website 7 days a week, 24 hours a day. At certain times, TBO may not be available due to system maintenance or circumstances beyond our control.

B. Joint Accounts. If two or more individuals hold a joint account, each account holder must enroll such Eligible Account separately and will have his/her own User ID and Password to access TBO. The Bank will not knowingly accept or act upon any authority received from or through any party other than the owner of the User ID. Each joint account holder using TBO will be subject to this Agreement with his/her own list of payees and payment history. The joint account holders will have access to and share account history and eStatements for their jointly held accounts, but will not share access to any accounts which are separately held. Each joint account holder may perform transactions, obtain information, stop or change his/her payments or transfers, terminate this Agreement with respect to his/her User ID or otherwise transact business, take actions or perform transactions permitted under this Agreement.

The Bank can rely on the instructions of any joint account holder who has his or her own TBO User ID and Password for such joint account and the Bank is not required to obtain the consent of or give notice to the other joint account holder to act on such instructions. However, each joint account holder may only access Eligible Accounts for which he/she is an owner. Terms of this Agreement will apply to all owners of the Eligible Account(s), jointly and severally.

4. Secure Messages

TBO provides secure message forms (each, a "Secure Message") for you to ask questions about your Eligible Accounts or give comments regarding the Online Services to the Bank. The Secure Messages are accessible after you sign on with your Password. To ensure the security of your Eligible Account information, we recommend that you use only Secure Messages when asking specific questions about your Eligible Account(s). You also may use Secure Messages to request selected actions or services related to your Eligible Accounts. For other transactions, please use the appropriate functions within the applicable Online Service or call 1-888-8CAPFED (1-888-822-7333).

5. Online Services

You may use TBO to access your Eligible Accounts and the Online Services. In some instances, balances and transaction history provided through TBO may only reflect activity conducted through the close of the previous business day.

The Bank may, from time to time, introduce new Online Services. When this happens we will update TBO to include them. By using a new Online Service, you agree to be bound by the terms contained in this Agreement at that time.

All transfers completed after the transfer cutoff time of 11:00 p.m. Central Time on a business day, or on a day that is not a business day, will be posted on the next day. Our business days are every Monday through Friday. Holidays are not included.

6. Linked Eligible Accounts

All Eligible Accounts will be linked by means of the tax identification number provided upon enrollment in TBO. Eligible Accounts that are linked together will appear together without regard to the ownership of those accounts. This means, for example, that when an owner of an Eligible Account accesses TBO that owner will be able to view and access at a single time all accounts that are identified with the applicable tax identification number. Only one Password will be permitted per taxpayer identification number which will serve to control access to the information. Any joint account holders whose social security number is not being used on the Eligible Account must provide the Bank with a properly completed and signed W-9 Form prior to accessing the Eligible Account through TBO. W-9 Forms are available at any Bank office.

7. Electronic Fund Transfer Provisions For Consumers

This Section applies to all consumer deposit accounts accessed through TBO, including (without limitation) Statement Savings, Personal Checking and Money Market Select, except as noted. Use of TBO requires special consideration for security and privacy of account information to fully protect you from fraudulent access to your accounts.

A. Errors. In Case of Errors or Questions About TBO,

Tell us through TBO: By sending us a Secure Message,

Telephone us at: 1-888-8CAPFED (1-888-822-7333),

Write us at: Capitol Federal Savings Bank,

700 S. Kansas Avenue, Topeka, KS 66603

as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

(1) Tell us your name and account number.

(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

(3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

B. Preauthorized Payments. With respect to preauthorized payments, the following additional disclosures apply:

(1) Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how:

Tell us through TBO: By sending us a Secure Message,

Call us at: 1-888-8CAPFED (1-888-822-7333),

Write us at: Capitol Federal Savings Bank,

700 S. Kansas Avenue, Topeka, KS 66603

in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

(2) Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

8. Liability

A. Your Liability For Unauthorized Transfers. Tell us AT ONCE if you believe your Password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your Password, you can lose no more than $50 if someone used your Password without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your Password, and we can prove we could have stopped someone from using your Password without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by your Password or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

B. Our Liability. Our liability to you is explained in any agreements, notices, and disclosures that we separately provide to you from time to time regarding your Eligible Accounts and Online Services. This section explains our liability to you only to the extent that our liability has not been separately disclosed to you by any of these agreements, notices, or disclosures. Under no circumstances will we have any liability to you for failing to provide you access to your Eligible Accounts or Online Services. Furthermore, unless otherwise required by applicable law, we will only be responsible for performing the Online Services as expressly stated in this Agreement, and will only be liable for material losses incurred by you to the extent such losses directly result from our gross negligence or intentional misconduct in performing the Online Services.

If we do not complete a transfer to or from your Eligible Accounts on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

1. If, through no fault of ours, you do not have enough money in your Eligible Account to make the transfer.

2. If the transfer would go over the credit limit on your overdraft line (if applicable).

3. If TBO was not working properly and you knew about the breakdown when you started the transfer.

4. If circumstances beyond our control (such as fire or flood) prevent the payment, despite reasonable precautions that we have taken.

5. There may be other exceptions stated in our agreement with you.

IN NO EVENT WILL WE HAVE LIABILITY FOR ANY CONSEQUENTIAL, SPECIAL, PUNITIVE OR INDIRECT LOSS OR DAMAGE WHETHER OR NOT ANY CLAIM FOR SUCH DAMAGES IS BASED ON TORT OR CONTRACT OR WE KNEW OR SHOULD HAVE KNOWN THE LIKELIHOOD OF SUCH DAMAGES IN ANY CIRCUMSTANCES.

We will not be obligated to honor, in whole or in part, any transaction or instruction which:

  • is not in accordance with any term or condition applicable to the relevant Online Service or Eligible Account;
  • we have reason to believe may not be authorized by you or any third person whose authorization we believe is necessary or involves funds subject to a hold, dispute, restriction or legal process we believe prevents their withdrawal;
  • would result in us exceeding any limitation of our intra-day net funds position established pursuant to present or future Federal Reserve guidelines;
  • would violate any applicable provision of any risk control program of the Federal Reserve or any applicable rule or regulation of any other federal or state regulatory authority;
  • is not in accordance with any other requirement of our applicable policies, procedures or practices; or
  • we have reasonable cause not to honor for our or your protection.

You are responsible for the installation, maintenance, operation, and any required upgrades to your computer and the software used to access TBO. We are not responsible for any errors or failures from any malfunction of your computer or the software, nor are we responsible for any computer virus, communications errors, or related problems that may be associated with the use of TBO.

C. Terms And Liability Limitations Relating To Use Of Third Party Software With TBO. The following are additions to the Bank's disclosure and agreement for the terms, conditions, liabilities, rights and responsibilities for the use of Personal Financial Management or other third party software to access information through TBO ("PFM Software"). The Bank currently is certified with Intuit's Quicken software for PC (Windows), and MAC. You may utilize PFM Software to download transactions, setup bills for payment through the Bill Payment Service, and transfer funds between checking and savings accounts using PFM Software installed on your home computer. The same Online Services that you have used on TBO, including the Bill Payment Service, will continue to be available and do not require the use of PFM Software. However, you must enroll in the Bill Payment Service to pay bills through the PFM Software.

IN NO EVENT WILL THE BANK HAVE LIABILITY FOR ANY CONSEQUENTIAL, SPECIAL, PUNITIVE, OR INDIRECT LOSS OR DAMAGE WHETHER OR NOT ANY CLAIM FOR SUCH DAMAGES IS BASED ON TORT OR CONTRACT OR THE BANK KNEW OR THE BANK SHOULD HAVE KNOWN THE LIKELIHOOD OF SUCH DAMAGES IN ANY CIRCUMSTANCES, REGARDING YOUR USE OF PFM SOFTWARE. The Bank will provide transactions and process transactions authorized by your PIN, but will not be liable for the use, distribution or storage of these transactions within your PFM Software. The Bank will only assist with inquiries about transactions that have posted to your account at the Bank. The Bank does not provide support for the use of PFM Software. All PFM Software inquires should be directed to the PFM Software provider by contacting the appropriate PFM Software support line or website. In no event will the Bank have liability for the use of, or actions taken by you using PFM Software or other arrangements made between you and the PFM Software vendor. Please be aware that there are significant differences between versions of PFM Software and there could be issues regarding the synchronization of files between the PFM Software and TBO.

The Bank will not have the obligation to honor, in whole or in part, any transaction or instruction which is not in accordance with any terms or conditions set forth in this Agreement.

The Bank reserves the right at any time to modify the features or cancel its agreement with vendors of PFM Software without prior notice to you. This could result in the service being temporarily or permanently disabled, modified, or enhanced with additional features. In the event of any action which the Bank, in its sole judgment, determines would be considered to have negative consequential effects on you, the Bank will post notice on TBO for a period of 30 days prior to executing such action, provided that such notice period may be offered without impairment of the Online Services.

9. Security

As part of completing enrollment to access TBO, you will be required to select a Password that will give you access to your Eligible Accounts through TBO. You agree to not disclose your Password or otherwise make it available to anyone else. Your new Password must be at least 8 characters in length and must contain at least one number and upper and lower case characters. We recommend that you change your Password at least annually and certainly any time that you suspect that someone may know your Password. We are entitled to act on instructions received under your Password. For security purposes, it is recommended that you memorize the Password and do not write it down. Notify us immediately of any loss or theft of your Password. You also should not instruct your web browser to "remember" the Password. You are responsible for keeping your Password and Eligible Account information confidential. If you permit any other person to use TBO or your Password, you will have authorized that person to access your accounts and you are responsible for any transactions that person initiates or authorizes from your accounts. If you believe your Password or means to access TBO has been lost or stolen, tell us through TBO: by sending us a Secure Message, call: 1-888-8CAPFED (1-888-822-7333), or write: Capitol Federal Savings Bank, 700 S. Kansas Avenue, Topeka, KS 66603.

"TrueStamp" is a security feature used in TBO to help prevent phishing attack schemes on you. TrueStamp allows you to pick an image and enter a phrase that you will recognize. When you log on with your User ID, your "TrueStamp" appears allowing you to confirm the Website before you enter your Password. The Bank also employs additional security measures that map your computer access signature and may result in a "challenge" that requires an answer to one or more questions that should be known only to you. An incorrect response to a challenge question may result in denied access to TBO.

10. Indemnification

Except as specifically provided in this Agreement, where applicable law requires a different result or an agreement that otherwise governs your Eligible Account, if you are an owner of an Eligible Account, you agree to indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with an Eligible Account, your breach of this Agreement, or the performance of an Online Service. This indemnification is provided without regard to whether our claim for indemnification is due to the use of TBO by you or your authorized representative.

11. Third Parties

Except as specifically provided in this Agreement or where applicable law requires a different result, neither we nor our service providers or other agents will be liable for any loss or liability resulting in whole or in part from any act or failure to act of your equipment or software, or that of your Internet browser (such as Netscape, Internet Explorer, Foxfire or Safari), or browser provider, an Internet access provider, an account aggregator (sometimes known as "screen scrapers," referring to the technique utilized to obtain the data), an online service provider or by an agent or subcontractor of any of them, nor will we or our service providers or other agents be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of your access to or use of, or failure to obtain access to TBO and the Online Services.

12. General Provisions

A. Termination. Unless otherwise required by applicable law, the Bank may terminate this Agreement and/or your access to TBO, in whole or in part, at any time. Access to TBO, in whole or in part, may be reinstated by us, at our discretion, at any time. If reinstated, the then current terms of this Agreement will control. You may request reinstatement of TBO by calling the Bank's Customer Service at 1-888-8CAPFED (1-888-822-7333).

If you have the Bill Payment Service and do not schedule or process a payment in your Eligible Account via the Bill Payment Service for any three (3) month period, the Bank may terminate your Bill Payment Service. If it does, your online bill payment information will be lost. If you decide to terminate the Bill Payment Service, we strongly suggest that you cancel all future bill payments at the same time that you cancel your Bill Payment Service, by deleting those payments yourself using the Bill Payment Service. This will ensure that future payments made by you will not be duplicated. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your Bill Payment Service has been terminated. Termination of the Bill Payment Service will not automatically close your Eligible Accounts.

If you do not access your Eligible Accounts via TBO for any three (3) month period, we may terminate your access to TBO.

If you wish to cancel your access to TBO, contact the Bank's Customer Service by sending a Secure Message through TBO, or you may also reach us by telephone at 1-888-8CAPFED (1-888-822-7333) or send us cancellation instructions in writing to Capitol Federal Savings Bank, 700 S. Kansas Avenue, Topeka, KS 66603.

B. Changes. Except as otherwise required by law, rule, or regulation, we may change the terms of this Agreement from time to time and at any time. When changes are made we will update this Agreement on TBO. TBO will be updated on the effective date, unless an immediate change is necessary to maintain the security of the system or unless a law, rule or regulation requires that it be updated at an earlier time. If such a change is made, and it cannot be disclosed without jeopardizing the security of the system, this Agreement will be updated within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing use of the Service. Changes to fees or terms applicable to Eligible Accounts are governed by the agreement otherwise governing the applicable account.

C. Assignment. We may assign our interest in this Agreement at any time to any party. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

D. Notice to You. UNLESS OTHERWISE REQUIRED BY APPLICABLE LAW, IN THE EVENT THAT WE ARE REQUIRED TO PROVIDE A NOTICE OR OTHER COMMUNICATION TO YOU IN WRITING, THAT NOTICE OR OTHER COMMUNICATION MAY BE SENT TO YOU ELECTRONICALLY TO YOUR E-MAIL ADDRESS AS REFLECTED IN OUR THEN CURRENT RECORDS.

E. Disclosure of Information. The circumstances under which we will disclose information about you, your Eligible Accounts, or your Online Services are set forth in the information that has been separately disclosed to you in the contracts, notices, and disclosures that have been separately provided to you and in accordance with our privacy policy disclosed on our Website.

We will disclose information to third parties about your account or the transactions you make:

1. Where it is necessary for completing transactions, or

2. Where it is necessary for activating additional services, or

3. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or

4. In order to comply with a governmental agency or court orders, or

5. If you give us your written permission.

F. Periodic Statements. You will receive a periodic account statement as disclosed in the terms and conditions applicable to your Eligible Accounts. Transfers made through TBO will be reflected on applicable account statements.

G. Law and Forum for Disputes. This Agreement shall be governed by and construed in accordance with the laws of the State of Kansas, without regard to its conflicts of laws provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect. You agree that any claim or dispute you may have against us must be resolved by a court located in Shawnee County, Kansas. You agree to submit to the personal jurisdiction of such courts for the purpose of litigating all such claims or disputes. The United Nations Convention on Contracts for the International Sale of Goods shall not apply to this Agreement.

H. No Waiver. We shall not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing and signed by one of our authorized representatives. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

I. Links and Frames. Links to other websites may be provided on the Website for your convenience. By providing these links, we are not endorsing, sponsoring or recommending such websites or the materials disseminated by or services provided by them, and are not responsible for the materials, services or other situations at or related to or from any other website, and make no representations concerning the content of these websites. Consequently, we cannot be held responsible for the accuracy, relevancy, copyright compliance, legality or decency of material contained in websites listed in any search results or otherwise linked to the Website. For example, if you "click" on a banner advertisement or a search result, your "click" may take you off the Website. 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 websites 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 the Website may send cookies to users that we do not control. You may link to the home page of the Website. However, you may not link to other pages of our Website without our express written permission. You also may not "frame" material on our Website without our express written permission. We reserve the right to disable links from any third party websites to the Website.

13. Fees

A. Fees relating to Online Services. There are no monthly fees for the Online Services. However, there are transaction and other fees associated with certain Online Services, which are set forth on the Fee Schedule , which is included at the end of this Agreement as Exhibit A (the "Fee Schedule"). Any such fees will be deducted from your Eligible Account which utilized an Online Service for which a transaction or other fee is applicable.

B. Other Charges. You will be responsible for any and all telephone charges and/or Internet Service fees that may be assessed by your telephone and/or Internet Service provider to access TBO.

C. Eligible Account Fees and Charges. The fees that have been separately disclosed to you in connection with your Eligible Account(s) will continue to apply to those account(s).

14.Terms and conditions for Bill Payment Service

A.Introduction

The terms and conditions for the Bill Payment Service set forth in this Section 14 (the "Bill Payment Terms and Conditions"), together with the other provisions of this Agreement constitute the contract between us and you in connection with the Bill Payment Service offered through the Website.All defined terms otherwise set forth in the Agreement shall have the same meaning in this Section; additionally, definitions included in this Section 14, including the definitions in Section 14.Y, will apply only to these Bill Payment Terms and Conditions. These Bill Payment Terms and Conditions apply to your use of the Bill Payment Service and the portion of the Website through which the Bill Payment Service is offered. By accessing the Bill Payment Service, you acknowledge that you have read and agree to these Bill Payment Terms and Conditions. Please read these Bill Payment Terms and Conditions carefully.

B. The Service

The Bill Payment Service permits you to schedule payments to Billers. By using the Bill Payment Service, you authorize us to process the payments and other transactions you request from time to time through the Bill Payment Service. You also authorize us to debit your Payment Account in accordance with the Bill Payment Terms and Conditions.

C. Payment Scheduling

The earliest possible Scheduled Payment Date for each Biller (typically four (4) or fewer Business Days from the current date) will be designated within the application when you are scheduling the payment. Therefore, the application will not permit you to select a Scheduled Payment Date less than the earliest possible Scheduled Payment Date designated for each Biller. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller statement 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 Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period.

D. The Service Guarantee

Due to circumstances beyond our control, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account. We will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Payment Scheduling" in Section 14.C.

E.Payment Authorization and Payment Remittance

By providing us with names and account information of Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the payment system. In order to process payments more efficiently and effectively, we may edit or alter payment data or data formats in accordance with Biller directives. We reserve the right to delete dormant Billers that you have not sent a payment to for at least six months.

When we receive a Payment Instruction, you authorize us to remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you and debit your Payment Account. When bills are paid by checks, funds are removed from your Payment Account when the Biller cashes the check. You also authorize us to credit your Payment Account for payments returned to us by the United States Postal Service or Biller, or payments remitted to you on behalf of another authorized user of the Bill Payment Service. We have no duty to monitor the payments that are made through the Bill Payment Service.

F.Payment Method

We reserve the right to select the method in which to remit funds on your behalf to your Biller. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment (funds remitted to the Biller are deducted from your Payment Account when the laser draft is presented to your financial institution for payment). You may not schedule a bill payment that exceeds $9,999.99.

G.Payment Cancellation Requests

You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once we have begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.

H.Stop Payment Requests

Our ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. We may not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact us through a Secure Message through TBO or by calling us at 1-888-8CAPFED (1-888-822-7333). Although we will make every effort to accommodate your request, we will have no liability for failing to do so. An oral stop payment order on a check is binding on us only for 14 days unless confirmed in writing within this period. A written stop payment order is effective for 6 months. The charge for each stop payment request will be the current charge for such service as set out in the Fee Schedule.

I.Prohibited Payments

Payments to Billers outside of the United States or its territories are prohibited through the Bill Payment Service. In addition, payments that violate any law, statute, ordinance or regulation, and any payments related to illegal gambling, illegal gaming and/or any other illegal activity, are prohibited through the Bill Payment Service.

J.Exception Payments

Exception Payments may be scheduled through the Bill Payment Service, however Exception Payments are discouraged and must be scheduled at your own risk. In no event shall we be liable for any claims or damages resulting from your scheduling of Exception Payments. The Service Guarantee as it applies to any late payment related charges is void when Exception Payments are scheduled and/or processed by the Bill Payment Service. We have no obligation to research or resolve any claim resulting from an Exception Payment; all research and resolution for any misapplied, mis-posted or misdirected payments will be the sole responsibility of you and not us.

K.Bill Delivery and Presentment

This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Billers directly if you do not receive your statements. In addition, if you elect to activate one of the Bill Payment Service's electronic bill options, you also agree to the following:

1.                  Information provided to the Biller - We are unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Biller. Any changes will need to be made by contacting the Biller directly. Additionally it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. We may, at the request of the Biller, provide to the Biller your e-mail address, service address, or other data specifically requested by the Biller at the time of activating the electronic bill for that Biller, for purposes of the Biller informing you about service and/or bill information.

2.                  Activation - Upon activation of the electronic bill feature, we may notify the Biller of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.

3.                  Authorization to obtain bill data - Your activation of the electronic bill feature for a Biller shall be deemed by us to be your authorization for us to obtain bill data from the Biller on your behalf. For some Billers, you will be asked to provide us with your user name and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data.

4.                  Notification - We will use our best efforts to present all of your electronic bills promptly. In addition to notification within the Bill Payment Service, we may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Bill Payment Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills.

5.                  Cancellation of electronic bill notification - The electronic Biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller. We will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.

6.                  Non-Delivery of electronic bill(s) - You agree to hold us harmless should the Biller fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.

7.                  Accuracy and dispute of electronic bill - We are not responsible for the accuracy of your electronic bill(s). 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.

8.                  This Agreement, including the Bill Payment Terms and Conditions, does not alter your liability or obligations that currently exist between you and your Billers.

L.Exclusions of Warranties

THE BANK, THE PORTION OF THE WEBSITE THROUGH WHICH THE BILL PAYMENT SERVICE IS OFFERED AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

M.Service Fees and Additional Charges

We do not charge a fee for using the Bill Payment Service. Any other fees applicable to your Payment Account continue to apply. There may be a charge for additional transactions and other optional services. (such as overnight, same day, next day payment, account to account, person to person )You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.

N.Failed or Returned Transactions

We will not be obligated to make a payment unless your Payment Account has sufficient available funds to pay the bill on the close of business on the day prior to the pay date for which payments will be debited, or if a check payment-funds remitted to the Biller are deducted from your Payment Account when the check is presented to us for payment, except we reserve the right at our sole discretion and without establishing an agreement to so treat future situations, to create an overdraft on the account, pay the payment and charge an overdraft fee. Payment requests that are not paid due to insufficient withdrawable funds shall be subject to an NSF notice fee. Overdraft protection transfers for the Bill Payment Service are limited to $2,000.00 per day.

We also will not be liable if there are insufficient available funds or credit availability in your Payment Account; if a legal order directs us to prohibit withdrawals from the Payment Account; if the Payment Account is closed or frozen; or if any part of the electronic funds transfer system is not working properly.

In using the Bill Payment Service, you are requesting us to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your Payment Account to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice from us. In such case, you agree that:

1. You will reimburse us immediately upon demand the transaction amount that has been returned to us;

2. For any amount not reimbursed to us within fifteen (15) days of the initial notification, a late charge equal to 1.5% monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed;

3. You will reimburse us for any fees imposed by your financial institution as a result of the return;

4. You will reimburse us for any fees we incur in attempting to collect the amount of the return from you; and,

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

O.Alterations and Amendments

These Bill Payment Terms and Conditions, applicable fees and service charges may be altered or amended by us from time to time. In such event, we shall provide notice to you. Any use of the Bill Payment Service after we provide you a notice of change will constitute your agreement to such change(s). Further, we may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate these Bill Payment Terms and Conditions as to all such prior versions of the applications, services, and/or related material and limit access to only the Bill Payment Service's more recent revisions and updates. In addition, as part of the Bill Payment Service, you agree to receive all legally required notifications via electronic means.

P.Address or Banking Changes

It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made either within the application or by contacting Customer Service. Any changes in your Payment Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. We are not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information.

Q.Bill Payment Service Termination, Cancellation, or Suspension

In the event you wish to cancel the Bill Payment Service, you may have the ability to do so through the product, or you may contact customer service via one of the following: (i) Send us a Secure Message through TBO; (ii) Telephone us at: 1-888-8CAPFED (1-888-822-7333) during customer service hours; or (iii) Write us at: Capitol Federal Savings Bank, 700 S. Kansas Avenue, Topeka, KS 66603.

Any payment(s) we have already processed before the requested cancellation date will be completed by us. All Scheduled Payments including recurring payments will not be processed once the Bill Payment Service is cancelled. We may terminate or suspend the Bill Payment Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under these Bill Payment Terms and Conditions.

R.Biller Limitation

We reserve the right to refuse to pay any Biller to whom you may direct a payment. We will notify you promptly if we decide to refuse to pay a Biller designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under these Bill Payment Terms and Conditions.

S.Returned Payments

In using the Bill Payment Service, you understand that Billers and/or the United States Postal Service may return payments to us for various reasons such as, but not limited to, Biller's forwarding address expired; Biller account number is not valid; Biller is unable to locate account; or Biller account is paid in full. We will use our best efforts to research and correct the returned payment and return it to your Biller, or void the payment and credit your Payment Account. You may receive notification from us. Stop payment fees may be incurred.

T.Information Authorization

Your enrollment in the Bill Payment Service may not be fulfilled if we cannot verify your identity or other necessary information. In order to verify ownership of the Payment Account(s), we may issue offsetting debits and credits to the Payment Account(s), and require confirmation of such from you. Through your enrollment in the Bill Payment Service, you agree that we reserve the right to request a review of your credit rating at our expense through an authorized bureau. In addition, you agree that we reserve the right to obtain financial information regarding your account from a Biller or your financial institution (for example, to resolve payment posting problems or for verification).

U.Disputes

In the event of a dispute regarding the Bill Payment Service, you and we agree to resolve the dispute by looking to the Agreement and these Bill Payment Terms and Conditions. You agree that this Agreement and these Bill Payment Terms and Conditions are the complete and exclusive statement of the agreement between us and you, which supersedes any proposal or prior agreement, oral or written, and any other communications between us and you relating to the subject matter of the Agreement and these Bill Payment Terms and Conditions. If there is a conflict between the terms of the Agreement and these Bill Payment Terms and Conditions and something stated by an employee or contractor of ours says, the terms of this Agreement and these Bill Payment Terms and Conditions will prevail.

V.Assignment

You may not assign any rights or obligations you under these Bill Payment Terms and Conditions to any other party. We reserve the right to transfer or assign these Bill Payment Terms and Conditions or any right or obligation under these Bill Payment Terms and Conditions at any time to any party. We may also assign or delegate certain of our rights and responsibilities under these Bill Payment Terms and Conditions to independent contractors or other third parties.

W.No Waiver

We shall not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing and signed by us. No delay or omission on the part of us in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

X.Bill Payment Terms and Conditions, Severability, Captions

These Bill Payment Terms and Conditions are supplementary to the Agreement. Should there be a conflict between these Bill Payment Terms and Conditions and other provisions in the Agreement, these Bill Payment Terms and Conditions will govern with respect to the Bill Payment Service and the portion of the Website through which the Bill Payment Service is offered. The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of these Bill Payment Terms and Conditions.

Y.Definitions for the Bill Payment Terms and Conditions

1. "Biller" is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.

2. "Business Day" is every Monday through Friday. Holidays are not included.

3. "Due Date" is the date reflected on your Biller statement for which the payment is due; it is not the late date or grace period.

4. "Exception Payments" means payments to deposit accounts or brokerage accounts, payments to settle securities transactions (including without limitation stocks, bonds, securities, futures (forex), options, or an investment interest in any entity or property), tax payments and court ordered payments.

5. "Payment Account" is the checking account from which bill payments will be debited.

6. "Payment Instruction" is the information provided by you to the Bill Payment Service for a bill payment to be made to the Biller (such as, but not limited to, Biller name, Biller account number, and Scheduled Payment Date).

7. "Scheduled Payment" is a payment that has been scheduled through the Bill Payment Service but has not begun processing.

8. "Scheduled Payment Date" is the day you want your Biller to receive your bill payment, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.

15. Terms and conditions for ATS Service

A. Introduction. The terms and conditions for the ATS Service set forth in this Section 14 (the "ATS Terms and Conditions"), together with the other provisions of this Agreement constitute the contract between us and you in connection with the ATS Service offered through the Website. All defined terms otherwise set forth in the Agreement shall have the same meaning in this Section; additionally, definitions included in this Section 14 will apply only to these ATS Terms and Conditions. These ATS Terms and Conditions apply to your use of the ATS Service and the portion of the Website through which the ATS Service is offered. By accessing the ATS Service, you acknowledge that you have read and agree to these ATS Terms and Conditions. Please read these ATS Terms and Conditions carefully.

B. Service Providers. We are offering you the ATS Service through one or more third parties (collectively, the "Service Providers") that we have engaged to render some or all of the ATS Service to you on our behalf. You agree that we have the right under these ATS Terms and Conditions to delegate to Service Providers all of the rights and performance obligations that we have under these ATS Terms and Conditions, and that the Service Providers will be intended third party beneficiaries of these ATS Terms and Conditions and will be entitled to all the rights and protections that these ATS Terms and Conditions provide to us.

C. Amendments/Termination of ATS Service. We may amend these ATS Terms and Conditions and any applicable fees and charges for the ATS Service at any time by posting a revised version on the Website. The revised version will be effective at the time it is posted unless a delayed effective date is expressly stated in the revision. Any use of the ATS Service after a notice of change will constitute your agreement to such changes. Further, we may, from time to time, revise or update the ATS Service and/or related applications or material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate these ATS Terms and Conditions as to all such prior versions of the ATS Service, and/or related applications and material and limit access to only the ATS Service's more recent revisions and updates. We also reserve the right to terminate the ATS Service in its entirety.

D. Our Relationship With You. We are an independent contractor for all purposes, except that we act as your agent with respect to the custody of your funds for the ATS Service. We do not guarantee the identity of any user of the ATS Service (including but not limited to accounts to which you send payments).

E. Assignment. You may not transfer or assign any rights or obligations you have under these ATS Terms and Conditions without our prior written consent, which we may withhold in our sole discretion. We reserve the right to transfer or assign these ATS Terms and Conditions or any right or obligation under these ATS Terms and Conditions at any time to any party. We may also assign or delegate certain of our rights and responsibilities under these ATS Terms and Conditions to independent contractors or other third parties.

F. Notices to You. You agree that we may provide notice to you by posting it on the Website, sending you an in-product message within the ATS Service, e-mailing it to an e-mail address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided to us, including but not limited to the mobile phone number that you listed when setting up ATS Service or in your customer profile. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) business days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting the Bank's Customer Service by sending a Secure Message through TBO, or you may also reach us by telephone at 1-888-8CAPFED (1-888-822-7333) during customer service hours, or by writing us at Capitol Federal Savings Bank, 700 S. Kansas Avenue, Topeka, KS 66603. We reserve the right to close your account if you withdraw your consent to receive electronic communications.

G. Calls to You. By providing us with a telephone number (including a mobile number), you consent to receiving autodialed and prerecorded message calls from us at that number for non-marketing purposes. For example, we or our Service Provider may contact you in connection with validating or processing a transaction that you've requested through the ATS Service.

H. Receipts and Transaction History. You may view at least six months of your transaction history with the ATS Service by logging into TBO and looking at your account transaction history. You agree to review your transactions with the ATS Service by this method instead of receiving receipts by mail. Of course, you will continue to receive your periodic statements as usual for your Eligible Accounts which will also show ATS Service transactions.

I. Your Privacy. Protecting your privacy is very important to us. Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.

J. Eligibility. The ATS Service is offered only to individual residents of the United States who can form legally binding contracts under applicable law. Without limiting the foregoing, the ATS Service is not offered to minors.

K. Acceptable Use. You may use the ATS Service to transfer funds as described in section 14. L. below. You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the ATS Service, regardless of the purpose of the use. In addition, you are prohibited from using the ATS Service for activities that: (a) violate any law, statute, ordinance or regulation; (b) payments related to illegal gambling, illegal gaming and/or any other illegal activity with an entry fee or a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill and sweepstakes (c) violate any property or proprietary right of any third party, including any copyright, trademark, or right of publicity or privacy under the laws of any jurisdiction; (d) impose an unreasonable or disproportionately large load on our infrastructure; (e) facilitate 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; (f) constitute use of any robot, spider, other automatic device, or manual process to monitor or copy the ATS Service or the portion of the Website through which the ATS Service is offered without our prior written permission; (g) constitute use of any device, software or routine to bypass technology protecting the Website or ATS Service, or interfere or attempt to interfere, with the Website or the ATS Service; or (h) may cause us or our Service Providers to lose any of the services from our internet service providers, payment processors, or other vendors. We encourage you to provide notice to us by sending a Secure Message through TBO, or you may also reach us by telephone at 1-888-8CAPFED (1-888-822-7333) during customer service hours, or by writing us at Capitol Federal Savings Bank, 700 S. Kansas Avenue, Topeka, KS 66603 concerning any violations of this section or these ATS Terms and Conditions generally. In no event shall we or our Service Providers be liable for any claims or damages resulting from or related to your violation of the acceptable uses of the ATS Service or these ATS Terms and Conditions. We and our Service Providers reserve the right to monitor and remove any comments you post or submit through the ATS Service.

L. Transfer Authorization and Processing

1. The ATS Service enables you to transfer funds: (i) between your Eligible Accounts that you maintain with us; and (ii) between your Eligible Account(s) that you maintain with us on the one hand, and your account(s) that are maintained by other financial institutions, on the other hand. You represent and warrant that you are an owner and/or authorized signatory of the Eligible Account from which your funds will be debited, or to which funds will be returned (the "Transaction Account") and the account to which your funds will be credited (the "Recipient Account") and that you have all necessary legal right, power and authority to transfer funds from the Transaction Account to the Recipient Account. Further, you represent and warrant that the Recipient Account is located in the United States.

2. When we receive information from you instructing us to transfer funds to a Recipient Account (the "Transfer Instruction") from you, you authorize us to debit your Transaction Account and remit funds on your behalf to the Recipient Account designated by you. You also authorize us to reverse a transfer from the Recipient Account if the debit is returned from the Transaction Account for any reason, including but not limited to nonsufficient funds.

3. It is your responsibility to ensure the accuracy of any information that you enter into the ATS Service, and for informing us as soon as possible if you become aware that this information is inaccurate. You may not use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a transfer made to the wrong Recipient Account once informed, but we do not guarantee such recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by you.

M. Transfer Methods and Amounts. We may, at our sole discretion, impose limits on the amount of money you can transfer through our ATS Service. We also reserve the right to select the method in which to transfer funds on your behalf, and the method to return funds to you in the event that the Recipient Account is closed or otherwise unavailable to us.

N. Transfer Cancellation Requests and Refused Transfers. You may cancel a transfer at any time until it begins processing (as shown in the ATS Service). We will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied transfer to your Transaction Account. If this is unsuccessful (for example, the Transaction Account has been closed) we will make reasonable attempts to mail you a paper check. If after ninety (90) days (or longer, depending on our then-current standard for unclaimed checks) that check has not been cashed, we will stop payment on it and transfer funds to an "unclaimed funds" account, and will subsequently handle the unclaimed funds as required or otherwise permitted by applicable law.

O. Stop Payment Requests. We may not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact us through a Secure Message through TBO or calling us at 1-888-8CAPFED (1-888-822-7333). Although we will make every effort to accommodate your request, we will have no liability for failing to do so. An oral stop payment order on a check is binding on us only for 14 days. A written stop payment order is effective for 6 months. The charge for each stop payment request will be the current charge for such service as set out in the Fee Schedule.

P. Taxes. It is your responsibility to determine what, if any, taxes apply to transfers 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 transfers, or for collecting, reporting or remitting any taxes arising from any transfer.

Q. Service Fees and Additional Charges. Applicable fees for the ATS Service are disclosed on the Fee Schedule. A transfer from an Eligible Account to another Eligible Account or transfers from an external account to an Eligible Account are free. Fees apply for a transfer from an Eligible Account to an external account. Please review those fees as set forth on the Fee Schedule. Any other fees applicable to your Transaction Account continue to apply.

R. Failed Or Returned Transfers. In using the ATS Service, you are requesting us to make transfers for you from your Transaction Account. If we are unable to complete the transfer for any reason associated with your Transaction Account (for example, there are insufficient funds in your Transaction Account to cover the transaction), the transfer may not be completed. In some instances, you will receive a return notice from us. In each such case, you agree that:

1. You will reimburse us immediately upon demand the transfer amount that has been returned to us;

2. For any amount not reimbursed to us within fifteen (15) days of the initial notification, a late charge equal to one and a half percent (1.5%) monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed;

3. You may be assessed a fee by our Service Provider and by us if the transfer is returned because you have insufficient funds in your Transaction Account to cover the requested transfer or if we cannot otherwise collect the funds from you; the fee amount will be as set forth in your Fee Schedule from us or your Account agreement with us. You hereby authorize us to deduct these amounts from your designated Transaction Account by ACH debit;

4. You will reimburse us and our Service Provider for any fees or costs we or they incur in attempting to collect the amount of the return from you; and,

5. We and our Service Provider are authorized to report the facts concerning the return to any credit reporting agency.

S. Address or Banking Changes. 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, address, phone numbers and e-mail addresses. Changes can be made either by sending us a Secure Message through TBO or by submitting a written request to Capitol Federal Savings Bank, 700 S Kansas Ave., Topeka, KS 66603. Any changes in your Transaction Account or Recipient Account should also be made in accordance with the procedures outlined within the ATS Service's help files. All changes made are effective immediately. We are not responsible for any transfer processing errors or fees incurred if you do not provide accurate Transaction Account, Recipient Account, or contact information.

T. Refused Transfers. We reserve the right to refuse any transfer to a Recipient Account. We will notify you promptly if we decide to refuse to transfer funds to a Recipient Account. This notification is not required if you attempt to make a prohibited transfer under these ATS Terms and Conditions.

U. Returned Transfers. In using the ATS Service, you understand transfers may be returned for various reasons such as, but not limited to, Recipient Account number is not valid. We will use reasonable efforts to research and correct the transfer to the intended Recipient Account or void the transfer and credit your Transaction Account. You may receive notification from us. Stop payment fees may be incurred.

V. Information Authorization. Your enrollment in the ATS Service may not be fulfilled if we cannot verify your identity or other necessary information. Through your enrollment in the ATS Service, you agree that we and our Service Providers reserve the right to request a review of your credit rating at our own expense through an authorized bureau.

W. ATS Service Cancellation by You. In the event you wish to cancel the ATS Service, you may send us a Secure Message through TBO, or you may also reach us by telephone at 1-888-8CAPFED (1-888-822-7333) during customer service hours, or by writing us at Capitol Federal Savings Bank, 700 S. Kansas Avenue, Topeka, KS 66603. Any transfer(s) we have already processed before the requested cancellation date will be completed by us.

X. ATS Service Cancellation, Termination, or Suspension by Us, and Other Remedies for Breach. If we have reason to believe that you have engaged in any of the prohibited activities described in these ATS Terms and Conditions or have otherwise breached your obligations under these ATS Terms and Conditions, we may terminate, suspend or limit your access to or use of the Website or the ATS Service; notify law enforcement, regulatory authorities, impacted third parties, and others as we deem appropriate; refuse to provide our services to you in the future; and/or take legal action against you. In addition, we, in our sole discretion, reserve the right to terminate these ATS Terms and Conditions, access to the Website, and/or use of the ATS Service for any reason and at any time. Neither termination nor suspension shall affect your liability or obligations under these ATS Terms and Conditions.

Y. Disputes. In the event of a dispute regarding the ATS Service, you and the Bank agree to resolve the dispute by looking to the Agreement and these ATS Terms and Conditions. You agree that the Agreement and these ATS Terms and Conditions are the complete and exclusive statement of the agreement between you and the Bank, which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Bank relating to the subject matter of the Agreement and these ATS Terms and Conditions. If there is a conflict between the terms of the Agreement and these ATS Terms and Conditions and something stated by an employee of the ATS Service or the Bank, the terms of these ATS Terms and Conditions will prevail.

Z. Waivers. Both parties agree to waive any right to have a jury participate in the resolution of any dispute or claim between the parties or any of their respective companies related by common ownership or control ("Affiliates") or any intended third party beneficiary arising under or relating to these ATS Terms and Conditions.

AA. Waiver of Class Action Claims. Both parties agree to waive any right to assert any dispute or claim against the other party or any intended third party beneficiary arising under or relating to these ATS Terms and Conditions as a class action.

BB. Release. If you have a dispute with one or more other users of the Website or the ATS Service, you release us and our Affiliates and Service Providers and the employees and contractors of each of these, from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes. In addition, you waive and release any and all provisions, rights and benefits conferred either (i) by § 1542 of the California Civil Code, which reads: "Section 1542. General release; extent. A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor;" or (ii) by any law of any state or territory of the United States, or principle of common law, which is similar, comparable or equivalent to § 1542 of the California Civil Code.

CC. Intellectual Property. All marks and logos related to the ATS Service are either trademarks or registered trademarks of us or our licensors. In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks, and/or trade dress or those of our licensors. You may not copy, imitate, or use any of the above without our prior written consent, which we may withhold at our sole discretion, and you may not use them in a manner that is disparaging to us or the ATS Service or display them in any manner that implies our sponsorship or endorsement. All right, title and interest in and to the ATS Service, the portion of the Website through which the ATS Service is offered, the technology related to the Website and ATS Service, and any and all technology and any content created or derived from any of the foregoing, is our exclusive property or that of our licensors. Moreover, any suggestions, ideas, notes, drawings, concepts, or other information you may send to us through or regarding the Website or ATS Service shall be considered an uncompensated contribution of intellectual property to us, shall also be deemed our exclusive intellectual property, and shall not be subject to any obligation of confidentiality on our part. By submitting any such 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.

DD. Exclusions of Warranties. THE ATS SERVICE, THE PORTION OF THE WEBSITE THROUGH WHICH THE ATS SERVICE IS OFFERED AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR ATS SERVICE, AND OPERATION OF OUR WEBSITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.

EE. Limitation of Liability. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE ATS SERVICE OR WEBSITE MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE ATS SERVICE, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR the officers, directors, agents, employees, representatives, and contractors of each of these, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE ATS SERVICE CAUSED BY OR ARISING OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR the officers, directors, agents, employees, representatives, and contractors of each of these, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE ATS SERVICE OR THE PORTION OF THE WEBSITE THROUGH WHICH THE ATS SERVICE IS OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR the officers, directors, agents, employees, representatives, and contractors of each of these BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE ATS SERVICE OR THE PORTION OF THE WEBSITE THROUGH WHICH THE ATS SERVICE IS OFFERED THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. TO THE EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATE LIABILITY OF US AND OUR AFFILIATES AND ATS SERVICE PROVIDERS AND the officers, directors, agents, employees, representatives, and contractors of each of these, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THE ATS SERVICE AND THE PORTION OF THE WEBSITE THROUGH WHICH THE ATS SERVICE IS OFFERED AND THESE ATS TERMS AND CONDITIONS SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. THE FOREGOING SHALL CONSTITUTE YOUR EXCLUSIVE REMEDIES AND THE ENTIRE LIABILITY OF US AND OUR AFFILIATES AND SERVICE PROVIDERS AND the officers, directors, agents, employees, representatives, and contractors of each of these, FOR THE ATS SERVICE AND THE PORTION OF THE WEBSITE THROUGH WHICH THE SERVICE IS OFFERED.

FF. ATS Terms and Conditions, Severability, Captions, and Survival. These ATS Terms and Conditions are supplementary to the Agreement. Should there be a conflict between these ATS Terms and Conditions and other provisions in the Agreement, these ATS Terms and Conditions will govern with respect to the ATS Service and the portion of the Website through which the ATS Service is offered. If any provision of these ATS Terms and Conditions are held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of these ATS Terms and Conditions. Sections 14F, 14G, 14Z, 14BB, 14CC, 14GG, 14KK, 14NN and 14OO, as well as any other terms which by their nature should survive, will survive the termination of these ATS Terms and Conditions.

16. Terms and Conditions for PopmoneySM Service.

A. Introduction. The terms and conditions for the Popmoney Service set forth in this Section 15 (the "Popmoney Terms and Conditions") constitute the contract between you and us in connection with the Popmoney Service and the portion of the Website through which the Popmoney Service is offered. All defined terms set forth in the Agreement shall have the same meaning in these Popmoney Terms and Conditions. Additionally, definitions included in this Section 15, including the definitions at in Section 15.KK. will apply only to these Popmoney Terms and Conditions.

B. Description of Popmoney Service. The Popmoney Service enables you: (1) to initiate a payment transaction from an Eligible Transaction Account (as defined below) to an account at a U.S. financial institution; and/or (2) to receive a payment transaction from another person into an Eligible Transaction Account, in U.S. dollars. Although the ACH Network is often used to execute Popmoney Service payment transactions, other Payment Networks may be used to facilitate the execution and transmission of payment transactions. All payment transactions must be made through the Website and are subject to the terms of these Popmoney Terms and Conditions and applicable laws and regulations, in each case as in effect from time to time. Receipt of payment transactions may be made through the Website and is subject to the terms of these Popmoney Terms and Conditions and applicable laws and regulations, in each case as in effect from time to time. In some instances, receipt of payment transactions may be made through www.Popmoney.com (the "Popmoney Website") and if you choose to initiate or receive a payment transaction at the Popmoney Website you acknowledge and agree that you shall be subject to the terms of other agreements, including, but not limited to, the "terms of use" for the Popmoney Website and applicable laws and regulations, in each case as in effect from time to time.

C. Service Providers. We are offering you the Popmoney Service through one or more Service Providers that we have engaged to render some or all of the Popmoney Service to you on our behalf. You agree that we have the right under these Popmoney Terms and Conditions to delegate to Service Providers all of the rights and performance obligations that we have under Popmoney Terms and Conditions, and that the Popmoney Service Providers will be third party beneficiaries of these Popmoney Terms and Conditions and will be entitled to all the rights and protections that these Popmoney Terms and Conditions provides to us.

D. Amendments. We may amend these Popmoney Terms and Conditions and any applicable fees and charges for the Popmoney Service at any time by posting a revised version on the Website. The revised version will be effective at the time it is posted unless a delayed effective date is expressly stated in the revision. Any use of the Popmoney Service after a notice of change will constitute your agreement to such changes. Further, we may, from time to time, revise or update the Popmoney Service and/or related applications or material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate these Popmoney Terms and Conditions as to all such prior versions of the Popmoney Service, and/or related applications and material, and limit access to only the Popmoney Service's more recent revisions and updates.

E. Our Relationship With You. We are an independent contractor for all purposes, except that we act as your agent with respect to the custody of your funds for the Popmoney Service. We do not have control of, or liability for, any products or services that are paid for with our Popmoney Service. We also do not guarantee the identity of any user of the Popmoney Service (including but not limited to Receivers to whom you send payments).

F. Assignment. You may not transfer or assign any rights or obligations you have under these Popmoney Terms and Conditions without our prior written consent, which we may withhold in our sole discretion. We reserve the right to transfer or assign these Popmoney Terms and Conditions or any right or obligation under these Popmoney Terms and Conditions at any time to any party. We may also assign or delegate certain of our rights and responsibilities under these Popmoney Terms and Conditions to independent contractors or other third parties.

G. Notices to You. You agree that we may provide notice to you concerning the Popmoney Service by posting it on the Website, sending you an in-product message within the Popmoney Service, e-mailing it to an e-mail address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Popmoney Service setup or customer profile. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) business days after it is mailed. We reserve the right to terminate your use of the PopMoney Service if you withdraw your consent to receive electronic communications.

H. Calls to You. By providing us with a telephone number (including a wireless/cellular, mobile telephone number), you consent to receiving autodialed and prerecorded message calls from us at that number for non-marketing purposes.

I. Receipts and Transaction History. You may view your transaction history of Eligible Accounts by logging into the Website and looking at your transaction history. You agree to review your transactions by this method instead of receiving receipts or periodic statements by mail for the Popmoney Service. Of course, you will continue to receive your periodic statements as usual for your Eligible Accounts which will also show Popmoney Service transactions.

J. Your Privacy. Protecting your privacy is very important to us. Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information. Our privacy policy can be viewed by clicking here: Privacy Policy.

K. Privacy of Others. If you receive information about another person through the Popmoney Service, you agree to keep the information confidential and only use it in connection with the Popmoney Service.

L. Eligibility. The Popmoney Service is offered only to individual residents of the United States who can form legally binding contracts under applicable law. If you are a minor, you agree not to use the Popmoney Service. By using the Popmoney Service, you represent that you meet these requirements and that you agree to be bound by these Popmoney Terms and Conditions.

M. Prohibited Payments. The following types of payments are prohibited through the Popmoney Service, and we have the right but not the obligation to monitor for, block and/or reverse such payments:

1. Payments to or from persons or entities located in prohibited territories; and

2. Payments that violate any law, statute, ordinance or regulation; and

3. Payments that violate the Acceptable Use terms in Section 15.N. below; and

4. Payments related to: (1) tobacco products, (2) prescription drugs and devices; (3) narcotics, steroids, controlled substances or other products that present a risk to consumer safety; (4) drug paraphernalia; (5) ammunition, firearms, or firearm parts or related accessories; (6) weapons or knives regulated under applicable law; (7) goods or services that encourage, promote, facilitate or instruct others to engage in illegal activity; (8) goods or services that are sexually oriented; (9) goods or services that promote hate, violence, racial intolerance, or the financial exploitation of a crime; (10) goods or services that defame, abuse, harass or threaten others; (11) goods or services that include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (12) goods or services that advertise or sell to, or solicit others; (13) goods or services that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction; and

5. Payments related to gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes; and

6. Payments relating to transactions that (1) support pyramid or ponzi schemes, matrix programs, other "get rich quick" schemes or multi-level marketing programs, (2) are associated with purchases of real property, annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (3) are for the sale of items before the seller has control or possession of the item, (4) constitute money-laundering or terrorist financing; (5) are associated with the following "money service business" activities: the sale of traveler's checks or money orders, currency dealers or exchanges or check cashing, or (6) provide credit repair or debt settlement services; and

7. Tax payments and court ordered payments.

In addition to the above-referenced prohibited payments, we may also block and/or reverse payments that involve donations or payments to an unauthorized charity or non-profit organization. In no event shall we or our Service Providers be liable for any claims or damages resulting from your scheduling of prohibited payments. We have no obligation to research or resolve any claim resulting from a prohibited payment. All research and resolution for any misapplied, misposted or misdirected prohibited payments will be your sole responsibility and not ours. We encourage you to provide notice to us by sending a Secure Message through TBO, or you may also reach us by telephone at 1-888-8CAPFED (1-888-822-7333), or by writing us at: Capitol Federal Savings Bank, 700 S. Kansas Avenue, Topeka, KS 66603, concerning any violations of this Section or the Popmoney Terms and Conditions generally.

N. Acceptable Use. You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Popmoney Service, regardless of the purpose of the use, and for all communications you send through the Popmoney Service. We and our Service Providers have the right but not the obligation to monitor and remove communications content that we find in our sole discretion to be objectionable in any way. In addition, you are prohibited from using the Popmoney Service for communications or activities that: (a) violate any law, statute, ordinance or regulation; (b) promote hate, violence, racial intolerance, or the financial exploitation of a crime; (c) defame, abuse, harass or threaten others; (d) include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (e) infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction; (f) impose an unreasonable or disproportionately large load on our infrastructure; (g) facilitate 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; (h) constitute use of any robot, spider, other automatic device, or manual process to monitor or copy the Popmoney Service the portion of the Website through which the Popmoney Service is offered without our prior written permission; (i) constitute use of any device, software or routine to bypass technology protecting the Website or Popmoney Service, or interfere or attempt to interfere, with the Website or the Popmoney Service; or (j) may cause us or our Service Providers to lose any of the services from our internet service providers, payment processors, or other vendors. We encourage you to provide notice to us by the methods described in Section 15.M. above of any violations of this Section or the Popmoney Terms and Conditions generally.

O. Payment Authorization and Payment Remittance.

1. By providing us with names and telephone numbers, e-mail addresses, and/or bank account information of Receivers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Popmoney Service.

2. When we receive a Payment Instruction from you, you authorize us to debit your Eligible Transaction Account and remit funds on your behalf. You also authorize us to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) or cancelled and returned to you because the processing of the payment transaction could not be completed.

3. You acknowledge and agree that if your Payment Instructions identify an account by name and account number, the relevant financial institution may execute those Payment Instructions by reference to the account number only, even if such account number does not correspond to the account name. You further acknowledge and agree that financial institutions holding the account may choose to not investigate discrepancies between account names and account numbers and that we have no responsibility to investigate discrepancies between account names and account numbers.

4. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you.

5. It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Popmoney Service (including but not limited to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible if they become aware that this information is inaccurate. Neither the Sender nor Receiver may use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver.

P. Initiation of Payment Transactions. You may initiate (a) a one-time payment transaction to a Receiver for which processing shall be initiated immediately, (b) a one-time payment transaction to a Receiver for which processing shall be initiated at a later specified date up to one (1) year, and (c) a recurring series of payment transactions to a Receiver for which processing shall be initiated on the specified dates. Further details about each of these options can be found on the Popmoney portion of the Website.

Payment transactions initiated to Receivers are processed in two ways. You can provide all the required information about the Receiver, including his/her Eligible Transaction Account, necessary to complete an ACH Network transfer of funds. Alternatively, you can provide contact information about the Receiver (including an e-mail address or mobile telephone number) and the Popmoney Service may contact the Receiver and request that the Receiver (i) provide information so that we may validate the identity of the Receiver at the Popmoney Website and then (ii) provide Eligible Transaction Account information in order to complete the payment transaction (a "Two-Step Transfer"). If the Receiver maintains an Eligible Transaction Account with an institution that participates in the Popmoney Service, the Receiver may access the Popmoney Service at his or her financial institution's website or mobile application to complete the payment transaction and receive the payment.

You understand and agree that when you initiate a payment transaction from an Eligible Transaction Account using the Popmoney Service, the processing of the payment transaction will begin and the debiting of your Eligible Transaction Account will occur as early as the day of such initiation. However, the payment funds will be transferred into the Receiver's Eligible Transaction Account no earlier than the next Business Day after you initiated the payment transaction. If you request a one-time payment transaction to be initiated on a specified date or a recurring series of payment transactions to be initiated on specified dates, then the processing of the payment transaction will begin on the specified date and the debiting of your Eligible Transaction Account will occur as early as the specified date(s). However, the payment funds will be transferred into the Receiver's Eligible Transaction Account no earlier than the next Business Day following the specified date. In addition, in the case of all Two-Step Transfers, the deposit of the payment funds into the Receiver's Eligible Transaction Account (even if debited or withdrawn from your Eligible Transaction Account) may be delayed if the Receiver has not provided the Popmoney Service with certain required information such as his or her Eligible Transaction Account information.

Q. Receiving Payments. If another person wants to send you a payment transaction using the Popmoney Service to an Eligible Transaction Account you hold with us, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website.

You understand and agree that there may be a delay between the time you are notified of the pending payment transaction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize us, the Sender, the financial institution which holds the Sender's Eligible Transaction Account and the Website to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of payment transactions to you, and, as a Receiver, you may also receive electronic gift cards or requests from others for payment through the Service.

R. Payment Methods and Amounts. We impose limits on the amount of money or gift card value you can send or receive through the Popmoney Service. These limits may be adjusted from time-to-time at our sole discretion. You may log in to the Website to view your individual transaction limits. We also reserve the right to select the method in which to remit funds on your behalf, and the method to return funds to you in the event that your Eligible Transaction Account is closed or otherwise unavailable to us. These payment methods may include, but may not be limited to, an electronic or paper check payment.

S. Payment Cancellation, Stop Payment Requests and Refused Payments. Sender may cancel the initiation of a payment transaction or stop a payment transaction at any time until the processing of the payment transaction into the Receiver's Eligible Transaction Account has begun. Our ability to stop a payment transaction or recover funds associated with an unauthorized payment transaction will depend on the manner in which the payment transaction was initiated, and whether the payment transaction to the Receiver's Eligible Transaction Account has begun processing. Although we will make a reasonable effort to accommodate a stop payment request and to recover funds associated with an unauthorized payment transaction, we will have no liability for failing to do so, to the extent permitted by applicable law. We may also require you to present your stop payment request or request to recover funds in writing within fourteen (14) days after contacting customer service. The charge for each stop payment or fund recovery request will be the current charge for such stop payment or funds recovery service as set out in the Fee Schedule for your Eligible Transaction Account. Payments not claimed by a Receiver will be automatically cancelled ten (10) days after the processing of the payment begins. When a Sender initiates a payment transaction, the Receiver is not required to accept the payment transaction. You agree that you as a Sender will not hold us liable for any damages resulting from a Receiver's decision to accept or not to accept a payment transaction initiated or attempted through the Popmoney Service. We will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied payment to your Eligible Transaction Account or use other reasonable efforts to return such payment to you as permitted by law.

T. Mobile Phone Users. Your phone service provider is not the provider of the Popmoney Service. Users of the Popmoney Service may receive text messages relating to their payment and other notices. You will receive text messages related to your payment transactions from time to time. Data and messaging charges from your telecommunications provider may apply, and you are responsible for any such charges. In the event your enrolled mobile device is lost or stolen, you agree to update your enrollment information and make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and that in the event of theft or loss, your confidential information could be compromised. If you have questions about mobile service, you may send a text message with the word "HELP" to this number: 767666. To stop receiving text messages on your mobile phone, text "STOP" to this number: 767666.

U. 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.

V. Service Fees and Additional Charges. Applicable fees for the Popmoney Service are disclosed in the Fee Schedule. Any applicable fees will be charged regardless of whether the Popmoney Service was used, except for fees that are specifically use-based. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize us to deduct the calculated amount from your designated Eligible Transaction Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.

W. Failed or Returned Payment Transactions. In using the Popmoney Service, you are requesting us to attempt to make payments for you from your Eligible Transaction Account. If we are unable to complete the payment transaction for any reason associated with your Eligible Transaction Account (for example, there are insufficient funds in your Eligible Transaction Account, or the payment transaction would exceed the credit or overdraft protection limit of your Eligible Transaction Account, to cover the payment transaction), the payment transaction may not be completed. In some instances, you will receive a return notice from us. In each such case, you agree that:

1. You will reimburse us immediately upon demand the amount of the payment transaction if we have delivered the payment to the Receiver but there are insufficient funds in, or insufficient overdraft credits associated with, your Eligible Transaction Account to allow us to complete the debit processing;

2. For any amount not reimbursed to us within fifteen (15) days of the initial notification, a late charge equal to one and a half percent (1.5%) monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed;

3. You may be assessed a fee by our Service Provider and by us if the payment transaction cannot be debited because you have insufficient funds in your Eligible Transaction Account, or the transaction would exceed the credit or overdraft protection limit of your Eligible Transaction Account, to cover the requested transfer, or if we cannot otherwise collect the funds from you; the fee amount will be as set forth in your Fee Schedule from us or your account agreement with us. You hereby authorize us to deduct these amounts from your designated Eligible Transaction Account, by ACH debit;

4. You will reimburse us for any fees or costs we incur in attempting to collect any amounts from you; and

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

X. Address or Banking Changes. 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 can be made through TBO, within the user interface of the Popmoney Service or by sending us a Secure Message through TBO. You may also reach us by telephone at 1-888-8CAPFED (1-888-822-7333) during customer service hours, or by writing us at Capitol Federal Savings Bank, 700 S. Kansas Avenue, Topeka, KS 66603. We are not responsible for any payment processing errors or fees incurred if you do not provide accurate Eligible Transaction Account, Payment Instructions or contact information.

Y. Refused Payments. We reserve the right to refuse to pay any Receiver. We will notify the Sender promptly if we decide to refuse to pay a Receiver designated by the Sender. This notification is not required if you attempt to make a prohibited payment under these Popmoney Terms and Conditions.

Z. Returned Payments. In using the Popmoney Service, you understand that Receivers may reject payment transactions or otherwise return payments. We will use reasonable efforts to complete payment transactions initiated through the Popmoney Service.

AA. Information Authorization. Your enrollment in the Popmoney Service may not be fulfilled if we cannot verify your identity or other necessary information. Through your enrollment in the Popmoney Service as a Sender, 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, you agree that we reserve the right to obtain personal information about you, including without limitation, financial information and transaction history regarding your Eligible Transaction Account. You further understand and agree that we reserve the right to use personal information about you for our and our Service Providers' business purposes in connection with providing the Popmoney Service, such as to maintain your ability to access the Popmoney Service, to authenticate you when you log in, to send you information about the Popmoney 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 these Popmoney Terms and Conditions, to protect our rights and property, and to customize, measure, and improve the Popmoney Service and the content and layout of the Website. 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 these Popmoney Terms and Conditions 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 these Popmoney Terms and Conditions for risk management, regulatory compliance, 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 Popmoney Service in statistical form for pattern recognition, modeling, enhancement and improvement, system analysis and to analyze the performance of the Popmoney Service.

BB. Service Termination, Cancellation, or Suspension. In the event you wish to cancel the Popmoney Service, you may send us a Secure Message through TBO, or you may also reach us by telephone at 1-888-8CAPFED (1-888-822-7333) during customer service hours, or by writing us at Capitol Federal Savings Bank, 700 S. Kansas Avenue, Topeka, KS 66603. Any payment(s) that have begun processing before the requested cancellation date will be processed by us. We may terminate or suspend your use of the Popmoney Service at any time. Neither termination nor suspension shall affect your liability or obligations under these Popmoney Terms and Conditions.

CC. Intellectual Property. "Popmoney" is a trademark of CashEdge Inc. or its affiliates. All other marks and logos related to the Popmoney Service are either trademarks or registered trademarks of us or our licensors. In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks, and/or trade dress or those of our licensors. You may not copy, imitate, or use any of the above without our prior written consent, which we may withhold in our sole discretion, and you may not use them in a manner that is disparaging to us or the Popmoney Service or display them in any manner that implies our sponsorship or endorsement. All right, title and interest in and to the Popmoney Service, the portion of the Website through which the Popmoney Service is offered, the technology related to the Website and Popmoney Service, and any and all technology and any content created or derived from any of the foregoing, is our exclusive property or that of our licensors. Moreover, any suggestions, ideas, notes, drawings, concepts, or other information you may send to us through or regarding the Website or Popmoney Service shall be considered an uncompensated contribution of intellectual property to us and our licensors, shall also be deemed our and our licensors' exclusive intellectual property, and shall not be subject to any obligation of confidentiality on our part. By submitting any such materials to us, you automatically grant (or warrant that the owner of such materials has expressly granted) to us and our licensors 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.

DD. Remedies for Breach. If we have reason to believe that you have engaged in any of the prohibited activities described in these Popmoney Terms and Conditions or have otherwise breached your obligations under these Popmoney Terms and Conditions, we may terminate, suspend or limit your access to or use of the Website or the Popmoney Service; notify law enforcement, regulatory authorities, impacted third parties, and others as we deem appropriate; refuse to provide our services to you in the future; and/or take legal action against you. In addition, we, in our sole discretion, reserve the right to terminate these Popmoney Terms and Conditions, access to the Website, and/or use of the Popmoney Service for any reason and at any time.

EE. Disputes. In the event of a dispute regarding the Popmoney Service, you and we agree to resolve the dispute by looking to the Agreement and these Popmoney Terms and Conditions. You agree that the Agreement and these Popmoney Terms and Conditions Agreement are the complete and exclusive statement of the agreement between us and you, which supersedes any proposal or prior agreement, oral or written, and any other communications between us and you relating to the subject matter of the Agreement and these Popmoney Terms and Conditions. If there is a conflict between the terms of the Agreement and these Popmoney Terms and Conditions and something stated by an employee or contractor of ours (including but not limited to its customer service personnel), the terms of these Popmoney Terms and Conditions will prevail.

FF. Indemnification. You agree to defend, indemnify and hold harmless us and our Affiliates and Service Providers and their Affiliates and the employees and contractors of each of these, from any loss, damage, claim or demand (including attorneys fees) made or incurred by any third party due to or arising out of your breach of these Popmoney Terms and Conditions and/or your use of the Website or the Popmoney Service.

GG. Release. If you have a dispute with one or more other users of the Website or the Popmoney Service, you release us and our Affiliates and Service Providers and the employees and contractors of each of these, from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes. In addition, you waive California Civil Code §1542, which states that a general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if not known by him must have materially affected his settlement with the debtor.

HH. Exclusions of Warranties. THE POPMONEY SERVICE, THE PORTION OF THE WEBSITE THROUGH WHICH THE POPMONEY SERVICE IS PROVIDED AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR POPMONEY SERVICE, AND OPERATION OF OUR WEBSITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.

II. Limitation of Liability. THE FOREGOING SHALL CONSTITUTE YOUR EXCLUSIVE REMEDIES AND THE ENTIRE LIABILITY OF US AND OUR AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, FOR THE POPMONEY SERVICE AND THE PORTION OF THE WEBSITE THROUGH WHICH THE POPMONEY SERVICE IS OFFERED. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE POPMONEY SERVICE MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE POPMONEY SERVICE, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE POPMONEY SERVICE CAUSED BY OR ARISING OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE POPMONEY SERVICE OR THE PORTION OF THE WEBSITE THROUGH WHICH THE POPMONEY SERVICE IS OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT, TO THE EXTENT PERMITTED BY APPLICABLE LAW, SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE POPMONEY SERVICE OR THE PORTION OF THE WEBSITE THROUGH WHICH THE POPMONEY SERVICE IS OFFERED THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. OUR AGGREGATE LIABILITY AND THE AGGREGATE LIABILITY OF OUR AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THESE POPMONEY TERMS AND CONDITIONS SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

JJ. Complete Agreement, Severability, Captions, and Survival. These Popmoney Terms and Conditions are supplementary to the Agreement. Should there be a conflict between these Popmoney Terms and Conditions and other provisions in the Agreement, these Popmoney Terms and Conditions will govern with respect to the Popmoney Service and the portion of the Website through which the Popmoney Service is offered. The Agreement and these Popmoney Terms and Condition set forth the entire understanding between us and you with respect to the Popmoney Service and the portion of the Website through which the Popmoney Services are offered. If any provision of these Popmoney Terms and Conditions is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of these Popmoney Terms and Conditions. Sections 15C, 15F-15H, 15K, 15U, 15W, 15DD-15II as well as any other terms which by their nature should survive, will survive the termination of these Popmoney Terms and Conditions.

KK. Definitions for the Popmoney Terms and Conditions.

1. "ACH Network" means the funds transfer system, governed by the NACHA Rules, that provides funds transfer services to participating financial institutions.

2. "Affiliates" means companies related by common ownership or control.

3. "Business Day" is every Monday through Friday, excluding Federal Reserve holidays or other days that banks are legally closed

4. "Eligible Transaction Account" is a transaction account (checking, money market or other direct deposit account, credit card account, or debit card account, including any required routing information) from which your payments as a Sender will be debited, your Popmoney Service fees will be automatically debited, or to which payments and credits to you will be credited.

5. "Payment Instruction" is the information provided by the Sender to the Popmoney Service for a payment to be made to a Receiver (such as, but not limited to, name, mobile telephone number, email address, and bank account and routing number information).

6. "Payment Network" means a payment network (such as the ACH Network or ACCEL / Exchange payment network) through which funds may be transferred.

7. "Receiver" is a person or business entity that is sent a payment transaction through the Popmoney Service.

8. "Sender" is a person or business entity that sends a payment transaction through the Popmoney Service.

9. "Service Provider" means companies that we have engaged (and their Affiliates) to render some or all of the Popmoney Service to you on our behalf.

17. Terms and Conditions for eStatement Service.

A. Description of the Service. The eStatement Service is available to you at no cost, and will allow you to view your current and past account statements for all of your Eligible Accounts through TBO. You understand that pursuant to the agreements governing your Eligible Accounts, you may be entitled to receive periodic account statements and notices in connection with such Eligible Account (collectively, "Statements"). By requesting the eStatement Service through TBO, you authorize us to discontinue sending you such Statements for your Eligible Accounts via postal mail service and to instead deliver such Statements to you electronically. You understand and agree that we will send you an e-mail on an ongoing basis to the e-mail address that you provide to us, notifying you that a Statement is ready to be viewed through TBO. You understand and agree that you will no longer automatically receive paper copies of your Statements, although you may request us to send you a paper copy of any Statement.

B. Authority and Binding Nature of Request for eStatements. When you request eStatements through TBO, you represent to us that you are an authorized signer of the Eligible Account being accessed and that you have the authority to request eStatements for all joint accountholders. All joint accountholders owners on the Eligible Account are legally bound by these Terms and Conditions for eStatement Service.

C. Withdrawal of Request for eStatement Service. Your request to receive Statements electronically is voluntary and may be withdrawn at any time. To withdraw your request for eStatement Service, contact the Bank's Customer Service by sending a Secure Message through TBO. If you are unable to contact us electronically, you may also reach us at 1-888-8CAPFED (1-888-822-7333) or send us your withdrawal in writing to Capitol Federal Savings Bank, 700 S. Kansas Avenue, Topeka, KS 66603. Subject to our confirmation of your request, such withdrawal shall become effective no later than fifteen (15) days after receipt by us. Upon termination, you understand and agree that you will no longer have access to Statements through TBO and that you will receive all Statements in paper form via postal mail service.

D. E-mail Address. You agree to maintain a valid, active e-mail address and to promptly notify us of any change. To change your e-mail address, contact the Bank's Customer Service by sending a Secure Message through TBO. If you are unable to contact us electronically, you may also reach us at 1-888-8CAPFED (1-888-822-7333) or write us at Capitol Federal Savings Bank, 700 S. Kansas Avenue, Topeka, KS 66603. We are not liable for any third party-incurred fees, other legal liability, or any other issues or liabilities arising from notifications sent to an invalid or inactive e-mail address or postal address that you have provided. When a provision of a document we send you includes a time period stemming from your receipt of a Statement from us, such time period shall start or end, as applicable, on the date that we send to your e-mail address a notice that a Statement is available for viewing.

E. Your Responsibility for Loan Payments. You understand and agree that by signing up for the eStatement Service, you will no longer receive return envelopes to mail in your loan payments with respect to an Eligible Account. To request transaction envelopes at any time to mail in your loan payments, contact the Bank's Customer Service by sending a Secure Message through TBO. If you are unable to contact us electronically, you may also reach us at 1-888-8CAPFED (1-888-822-7333) or write us at Capitol Federal Savings Bank, 700 S. Kansas Avenue, Topeka, KS 66603. You understand and agree that although you will no longer receive your loan statements with respect to an Eligible Account by mail, you will be responsible for timely making all regular loan payments either electronically through TBO and/or by mailing the payments to: Capitol Federal Savings Bank, 700 S. Kansas Avenue, Topeka, KS 66603.


Exhibit A

Fee Schedule

Service

Amount

Same Day Payment/Next Day Payment

$9.95

Overnight payment

$14.95

Popmoney Service

$.50 per transaction

ATS Service: Transfer to External Account

$2.00 per transaction

Check Reorder

Pricing delivered at time of order based upon requested features

Return payment fee

$32.00

For a full listing of account related fees, view the Capitol Federal Fee Schedule


Consent to Electronic Disclosures. Included with these terms and conditions are certain disclosures and communications that we are required to provide to you under applicable law (collectively, the "Disclosures"). You have a right to receive Disclosures on paper. However, we may provide such Disclosures to you electronically if we first present this disclosure to you and obtain your consent to receiving the Disclosures electronically. By selecting the Accept button, you understand and agree that you will access, view, print, or download the Disclosures via your computer through your login to True Blue Online. If you do not wish to consent to the electronic delivery of the Disclosures, do not select Accept and you will not be enrolled in True Blue Online.

Hardware and Software Requirements. To access and retain electronic records of the Disclosures, you will need Microsoft Internet Explorer version 6.0 or higher, or Mozilla Firefox and Adobe Acrobat Reader version 5.0 or higher. For Macintosh users, we suggest Microsoft Internet Explorer version 5.0 or higher or Mozilla Firefox. Cookies and JavaScript must be enabled in the browser options.

Copyright © 2014 | Capitol Federal Savings Bank®, Member FDIC, Equal Housing Lender | All Rights Reserved