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Privacy Statement

We know how important confidentiality is to our customers and are committed to protecting your privacy. As part of that commitment, we have developed the following Privacy Practices.

As we continue to offer state-of-the-art-banking technology, BOK Financial Corporation will ensure that strict privacy standards are maintained.

Privacy Expectations
We understand that customers expect privacy and security in handling their financial transactions. Therefore, we recognize the need to safeguard sensitive information about you and your banking. We strive to maintain high standards and procedures to protect you.

Collection, Retention and Use of Information
BOK Financial Corporation collects, retains and uses information concerning you and your financial transactions only when we believe that it will help us develop new products and services as well as to determine opportunities to better serve you or to comply with certain laws and regulations. We are happy to provide you with information on why we are collecting and retaining information upon your request.

Restrictions on Disclosing Information to Outside Parties
We do not disclose specific information about your accounts or other personal data to outside parties for their independent use except if: (a) you request or authorize it; (b) the information is provided to process a transaction initiated by you; (c) the information is provided to a reputable credit bureau or similar information reporting agency; or (d) the disclosure otherwise is lawfully permitted or required.

Privacy in Business Relationships with Outside Third Parties
Sometimes we are required to provide personal information about you to a third party, such as a vender, to provide support for one of our services. These companies agree to maintain our confidential information about you and your products/services with us and must abide by applicable law.

BOK Financial Corporation reserves the right to modify these Privacy Practices as needed, along with related provisions, at any time.

Terms and Conditions

These terms and conditions constitute the agreement ("Agreement") between you and Bank of Oklahoma, N.A. for itself or on behalf of its national banking association affiliates ("Bank") with respect to the provision of PayWeb Reporting Services (the "Service") to you. Your use of the Service constitutes your agreement to be bound by the terms of this Agreement. In this Agreement, the words "you" and "yours" mean each person who applied for the Service, and the terms "us" and "we" mean the Bank. This Agreement is in addition to other agreements between the parties.

PayWeb Reporting Services
PayWeb Reporting allows you to use a personal computer to view participant payments for Defined Contribution and Defined Benefit plans. The system also allows the user to download and create reports from the participant payments. You may use your username and password to access this service via the Bank's Internet Web Site.

Password and Security
You agree not to give or make available your online password to any unauthorized individuals. We will not contact you via e-mail or phone requesting your Password. If you are contacted by anyone requesting this information please contact us immediately. You agree to take adequate measures to guard against unauthorized access to your Password. If you believe that your password has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Bank at once by calling the Participant Service Group at 1-800-876-9557. Telephoning immediately is the best way to reduce potential losses. Participant Service Group is available 24 hours a day/seven days a week. We may suspend or cancel your password even without receiving such notice from you, if we suspect your password is being used in an unauthorized or fraudulent manner. Unless otherwise provided in this Agreement or as required by law, you agree to be fully liable for all losses which may arise from unauthorized transactions.

Disclosure of Account Information to Third Parties
We will disclose information to third parties about your account or the transfers you make only in the following situations:

In order to comply with a governmental agency or court orders
If you give us your written permission
As otherwise stated in our Privacy Policy located on our Web Site

Fees and Charges
For charges applicable to your account, refer to your product brochure or our Web Site.

Business Days Our business days are Monday through Friday. Holidays are not included.

Our liability is explained in any agreements, notices and disclosures that we separately provide to you from time to time regarding your accounts and the 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 accounts through the Service. Furthermore, unless otherwise required by applicable law, we will only be responsible for performing the 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 Services or as required by law.

Unless otherwise required by law, in no event will we or our affiliates be liable to you for special, indirect, punitive, or consequential damages including, without limitation, lost profits and attorney's fees, even if we are advised in advance of the possibility of such damages.

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 Service or any related account;
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; or
is not in accordance with any other requirement of our applicable policies, procedures or practices.

Alterations and Amendments The terms of this Agreement may be altered or amended by the Bank from time to time. In such event, the Bank will notify you. Any use of the Service after notification will constitute your agreement to such change(s). Further, the Bank may from time to time revise or update the programs, and/or related material which may render all prior program versions obsolete. The Bank reserves the right to terminate this Agreement as to all such prior versions of the Service, and/or related material and limit access to the Bank's more recent revisions and updates of the Service.

You agree we may provide you with all disclosures, notices and other communications about the Service and any future amendments, in electronic form, including posting them on the Web Site for a period of at least 90 days. At your request, we will provide you with a paper copy of any of the documents posted electronically without any fee.

Termination
The Bank may terminate use of the Service by any individual at any time. Termination shall not affect your liability or obligations under this Agreement.

Disputes

In the event of a dispute regarding the Service, you and the Bank agree to resolve the dispute by looking to this Agreement. You agree that this Agreement and the documents it incorporates by reference is the complete and exclusive statement of the agreement between you and the Bank which supersedes any prior agreement, representation or warranty, oral or written, and any other communications between you and the Bank relating to the subject matter of this Agreement, except to the extent that this Agreement may be subsequently modified by the Bank providing or posting additional terms and conditions on the Web Site as described under the Alterations and Amendments section of this Agreement above. If there is a conflict between what a Bank employee says and the terms of this Agreement, the terms of this Agreement shall control.

Assignment
You may not assign this Agreement to any other party. The Bank may assign this Agreement at any time. The Bank may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

No Waiver
The Bank shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Bank. No delay or omission on the part of the Bank 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.

Captions
The captions of Sections are for convenience only and shall not control or affect the meaning or construction of any of the provisions for this Agreement.

Governing Law; Venue
This Agreement shall be governed by and construed in accordance with the laws of the State of Oklahoma, without regard to its conflicts of laws provisions. Any cause of action for a breach or enforcement of, or a declaratory judgment respecting, this Agreement shall be commenced and maintained only in the United States District Court for the Northern District of Oklahoma or the applicable Oklahoma state trial court sitting in Tulsa, Oklahoma and having subject matter jurisdiction.

Miscellaneous
In any action brought by a party hereto to enforce the obligations of any other party hereto, the prevailing party shall be entitled to collect from the opposing party such party's reasonable litigation costs and attorneys fees and expenses (including court costs, reasonable fees of accountants and experts, and other expenses incidental to the litigation). In the event any provisions of this Agreement, or the application of such provisions to any person or set of circumstances, shall be determined to be invalid, unlawful, or unenforceable, to any extent for any reason, the remainder of this Agreement, and the application of such provision to persons or circumstances other than those as to which it is determined to be invalid, unlawful, or unenforceable, shall not be affected and shall continue to be enforceable to the fullest extent permitted by law. This Agreement shall not be interpreted strictly for or against any party, but solely in accordance with the fair meaning of the provisions hereof to effectuate the purposes and intent of this Agreement.