Personal Enrollment Form Agreement

IMPORTANT USER INFORMATION

ACCESSING THIS WEB SITE OR VIEWING ANY OF ITS CONTENTS SHALL CONSTITUTE YOUR ("USER") AGREEMENT WITH THE TERMS AND CONDITIONS BELOW, INCLUDING THOSE AS AMENDED FROM TIME TO TIME.

Internet Privacy Principles.
All information provided to The First State Bank through this web site shall be deemed and remain the property of The First State Bank. All such information may be transmitted to The First State Bank, its agents and processors over state and international borders as necessary for processing in accordance with The First State Bank's standard business practices. The First State Bank appreciates the user's concerns about the privacy of personal information provided to us through this web site. Accordingly, please review The First State Bank's Privacy Policy which explains how we will handle that information.

Transaction Confirmation.
The account information accessed through this web site is not a confirmation of any transaction user may have requested The First State Bank to execute. No transaction is deemed accepted until user verifies that the transaction in question was actually made by The First State Bank by a visit to the site the next business day and finding the transaction is actually reflected in the user's
account(s).

Stop Payments:
You agree to hold the Bank harmless for damages and/or expenses and costs incurred by the Bank when it refuses to pay a check that you stop payment on through our Internet Banking Program.
You agree that you will enter all information correctly and that the Bank may rely upon all information and amounts you enter in connection with any check you request payment be stopped. You further agree that if you enter an incorrect check number or amount, that the Bank has no liability if it pays the check you wanted to stop payment on.

THIS STOP ORDER PAYMENT SHALL BE EFFECTIVE ONLY FOR 180 DAYS FROM THE DATE OF THIS EMAIL. AT THAT TIME, IF YOU WANT TO RENEW IT, YOU WILL HAVE TO SUBMIT ANOTHER REQUEST IN PERSON OR THROUGH OUR INTERNET BANKING PROGRAM.

Account Statements.
User is responsible for reviewing all account statements received by user in the mail, or in internet banking, in order to verify the accuracy of all account information provided in the statement and of all account information accessed through this site. User is responsible for promptly notifying The First State Bank of any errors or inaccuracies relating to information contained in, or omitted from user's account statement, including account information accessed through this site.

WARRANTIES.
NEITHER THE FIRST STATE BANK NOR ANY THIRD PARTY PROVIDER SHALL HAVE ANY LIABILITY, CONTINGENT OR OTHERWISE, FOR THE ACCURACY OR TIMELINESS OF THE SERVICE OR PRODUCT OR THE ACCURACY, TIMELINESS, COMPLETENESS OR CORRECT SEQUENCING OF MATERIALS, OR FOR ANY DECISION MADE OR ACTION TAKEN BY USER IN RELIANCE UPON THE PRODUCTS, MATERIALS, OR THE SERVICE, OR FOR INTERRUPTION OR DELAY OF ANY DATA, MATERIAL, OR ANY OTHER ASPECT OF THE SERVICE. THIS SERVICE AND ALL PRODUCTS AND MATERIALS ARE PROVIDED "AS IS." THERE IS NO IMPLIED WARRANTIES OF MERCHANTABILITY, OR FITNESS FOR A PARTICULAR USE, NO OTHER WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THE PRODUCTS OR MATERIALS, OR ANY ASPECT OF THIS SERVICE, EVEN IF THE FIRST STATE BANK HAS BEEN ADVISED OR IS OTHERWISE AWARE OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY AFFECT A USER'S COMPUTER EQUIPMENT OR RELATED SOFTWARE.

LIMITATION OF LIABILITY.
IN NO EVENT WILL THE FIRST STATE BANK OR ANY OF ITS SUBSIDIARIES OR AFFILIATES BE LIABLE FOR ANY DAMAGES, LOSSES OR EXPENSES, INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING IN CONNECTION WITH THIS WEB SITE, USE THEREOF OR RELIANCE ON ANY INFORMATION CONTAINED HEREIN, EVEN IF THE FIRST STATE BANK OR ANY OF ITS SUBSIDIARIES OR AFFILIATES ARE NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

Termination of Service.
The First State Bank reserves the right to deny or terminate access to or use of this web site, any service, product or material, or any portion thereof, in The First State Bank's sole discretion, without notice and without limitation, for any reason whatsoever, including, but not limited to, user's breach of any provision of these terms and conditions herein stated. In the event of any termination by The First State Bank, The First State Bank shall have no liability to user.

Change in Web Site Terms and Conditions.
The First State Bank reserves the right to revise the terms and conditions stated herein at any time effective upon sending a notice of the changes to user's postal or e-mail address maintained in The First State Bank's records, or at The First State Bank's option, by posting the revised terms and conditions on this web site, and user is deemed to be apprised of and bound by any changes.

Choice of Law and Forum.
User's access to and use of this web site, and these terms, are governed by and will be construed in accordance with the laws of the State of Texas, U.S.A., without regard to principles of conflicts of laws. In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision. The First State Bank and user irrevocably consent to the exclusive jurisdiction of the courts of the State of Texas and federal courts situated in the State of Texas in connection with any action arising under or relating to this web site and the services provided herein.

You must have an existing account with us before we can use our Internet Banking. If you do not have an account with us now, come by the bank and will will be happy to open a new account for you.

Disclosures
All previous disclosures given to you concerning your existing accounts with us, including disclosures of any fees related to such accounts, are applicable to your use of our Internet Banking.
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