FIRST STATE BANK & TRUST

TERMS AND CONDITIONS

NOTICE: PLEASE REVIEW THE FOLLOWING TERMS AND CONDITIONS. BY ACCESSING THIS WEBSITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS WEBSITE.

USE OF INFORMATION AND MATERIALS: The information and material contained in this website, and the terms, conditions, and descriptions that appear therein, are subject to change. Unauthorized use of FIRST STATE BANK & TRUST web site and information technology systems including but not limited to unauthorized entry into FIRST STATE BANK & TRUST systems, misuse of passwords, or misuse of any information posted on this web site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by FIRST STATE BANK & TRUST and/or its affiliates.

LINKS: THIS WEB SITE MAY CONTAIN LINKS TO OTHER WEB SITES CONTROLLED OR OFFERED BY AND THROUGH THIRD PARTIES NOT AFFILIATED WITH FIRST STATE BANK & TRUST. FIRST STATE BANK & TRUST HEREBY DISCLAIMS LIABILITY FOR, ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY THIRD PARTY THE FIRST STATE BANK & TRUST SITE LINKED TO THE FIRST STATE BANK & TRUST WEBSITE. BY CREATING A LINK TO A THIRD PARTY WEB SITE, FIRST STATE BANK & TRUST DOES NOT ENDORSE OR RECOMMEND ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THAT PARTICULAR WEB SITE. FIRST STATE BANK & TRUST IS ALSO NOT LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT ANY SUCH THIRD PARTY WEB SITE. SUCH THIRD PARTY MAY HAVE A PRIVACY POLICY DIFFERENT FROM THAT OF FIRST STATE BANK & TRUST AND THE THIRD PARTY WEB SITE MAY PROVIDE LESS SECURITY THAN THIS WEB SITE.

NO WARRANTY: THE INFORMATION AND MATERIALS CONTAINED IN THIS WEB SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS" AND "AS AVAILABLE". FIRST STATE BANK & TRUST DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND/OR MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS AND/OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

LIMITATION OF LIABILITY: IN NO EVENT WILL FIRST STATE BANK & TRUST BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES, COSTS OR EXPENSES ARISING IN CONNECTION WITH OR RELATING TO THE WEB SITE OR ANY THIRD PARTY SITE LINED TO THE FIRST STATE BANK & TRUST WEB SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF FIRST STATE BANK & TRUST, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, COSTS OR EXPENSES.

SUBMISSIONS: All information submitted to FIRST STATE BANK & TRUST via this site shall be deemed and remain the property of FIRST STATE BANK & TRUST and FIRST STATE BANK & TRUST shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this web site provides FIRST STATE BANK & TRUST through this web site. FIRST STATE BANK & TRUST shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the FIRST STATE BANK & TRUST entity having the direct customer relationship or as otherwise specifically agreed or required by law.

AVAILABILITY: This web site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

ADDITIONAL TERMS: Certain sections or pages on this web site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

GOVERNING LAW: Use of this web site shall be governed by all applicable Federal laws of the United States of America.

Copyright in the web site pages and in the screens displaying the pages, and in the information and material contained therein and in their arrangement and production, is owned by FIRST STATE BANK & TRUST unless otherwise indicated.