Electronic Statement Disclosure and Agreement

Before you can enroll in or access our Electronic Statement Presentment services (“E-Statement Services”), the Electronic Signatures in Global and National Commerce Act (ESIGN) and other laws and regulations require us to obtain your affirmative consent to electronic delivery of your periodic account statements and associated disclosures required under Federal and/or State laws or regulations (collectively “Statement(s)”). Please read this Electronic Statement Disclosure and Agreement (this “Disclosure”) carefully and save or print a copy for your records.

Your Consent Is Required
If you do not consent to receiving your Statements electronically, our E-Statement Services will not be available to you.

When you click continue from the Start Using Online Statements page you are giving your consent to electronic delivery of your Statements through FSB’s E-Statement service and you wish to no longer to receive paper statements.

Once you have viewed your first e-statement you must confirm you successfully viewed the statement by clicking the acknowledgement prompt presented in Online Banking.
 
In some circumstances you may receive a disclosure by mail with an enrollment form, if you return the enrollment form indicating you would like to enroll in our E-Statement service this constitutes your consent.

Once enrolled you will receive your first e-statement at the next scheduled statement cycle

E-Statement Agreement

Definitions: In this Disclosure, the words “you” and “your” mean the owner and/or joint owner of the account
who is/are requesting that the Statements for such account be sent electronically to your personal Internet
Banking account and, therefore, is enrolling in our E-Statement Services. The words “FSB” “Bank,” “we,” “our,” and “us” mean the First State Bank. Please see the definitions of “E-Statement Services,” “Statements,”
and “Disclosure” above.

1. Agreement Acceptance: By accepting to use FSB’s E-Statement Service you are agreeing that:

A. You are requesting that First State Bank make your Statements available to
you electronically, by sending to your personal Internet e-mail address a notice that your
Statement is available for viewing thru your FSB Internet Banking Account.
B. If you change your e-mail address, you must notify us of the change so that we may continue to
send you your Statements electronically. You must also notify us of any changes in physical address
or telephone number.
C. In the event that we are unable to deliver e-mail to you due to an inaccurate e-mail address, a paper statement will be mailed to your current address of record. In the event that we are unable to deliver e-mail to you due to an inaccurate e-mail address for 2 consecutive statement cycles you will be charged the “paper statement with E-Statment fee”. See Fee Schedule provided to you by FSB for current fee rate.
D. Except as expressly provided in this Disclosure, your participation in the E-Statement Services
program does not change your rights and obligations related to your FSB Accounts, as described in
document disclosures received at the time your account(s) were opened, as amended by us from time to time (such agreements,) and any other agreements and disclosures relevant
to your account, including, without limitation, any fees disclosed therein. You agree, however, that
when any such terms and conditions, agreement or disclosure includes a time period stemming
from your receipt of a Statement from the Bank, such time period shall start or end, as
applicable, on the date that we send to your personal Internet e-mail address a notice that your
Statement is available for viewing. In the event we can not send statement notice thru email, such time period shall start or end, as applicable, on the date that we mail to your address of record your statement.
F. Except (i) in the case of your withdrawal of your consent to electronic delivery of your Statements and resulting un-enrollment from the E-Statement program, as described below and (ii) upon your express request, as described below, after your enrollment in the E-Statement Services becomes effective, you will no longer receive paper copies of your
Statements.

2. System Requirements: In order to participate in the E-Statement Services and receive and retain copies of your Statements electronically you will need to provide or obtain access to the following:

A. A computer and modem or other device capable of accessing the Internet.
B. An active “Internet Service Provider”.
C. The ability to download or print agreements and disclosures.
D. Adobe Acrobat Reader software.

      Supported Browsers:
 Google Chrome
 Mozilla Firefox
 Safari

 Safari 9: Supported
 Safari 8: Unsupported
 Safari 6 & 7: Unsupported

 Internet Explorer

IE 11: Supported
IE 8, IE 9, IE 10: Unsupported

Microsoft Edge – Supported

3. Updating Your Personal Information: You must keep us informed of any change in your telephone
number, mailing address, or e-mail address. You may notify us of changes in any of the following ways:

A. For change of e-mail address, notify using secure message from within Internet Banking Account.
B. For change of mailing address or telephone number:
· Telephone us at: 563-578-3312 – during Bank business hours,
Or
· Contact us by postal mail:

First State Bank
Attn: Accounting Dept
P.O. Box 206
Sumner, IA 50674

4. Your Rights and Options:

A. Paper or Non-electronic Form. Some account types require the enrollment into our E-Statement Service.
If required by account type you can still receive paper copies of your statement at the current paper statement fee listed in Schedule of fees provided to you by FSB.
If not required by account requirements, You can continue to receive your Statements in the same format in which you currently receive your Statement, including, if applicable, paper. If you would like to receive your Statements electronically, however, you must enroll in the E-Statement Services program and agree to the terms set forth in this Disclosure.
B. Withdrawal of Consent to Electronic Delivery. If at any time after you consent to electronic
delivery of your Statements, you wish to withdraw your consent to electronic delivery of your Statements, you should notify us in writing at the address listed in 3(B) above. If you withdraw your
consent, you will be un-enrolled in the E-Statement Services program and will no longer receive
your Statements electronically. Statements issued after your withdrawal is effective will be mailed
to your physical address of record.
C. Duration of Consent. If you consent to electronic delivery of your Statements, your consent will apply to all Statements unless and until the earlier of (i) your withdrawal of consent as described in 4(B), above, or (ii) the Bank’s discontinuation of electronic Statement delivery services.

D. “One-time” Non-Electronic Copy. If, after you are enrolled in the E-Statement Services
program and without withdrawing your consent to electronic delivery of Statements, you would
like to obtain a paper copy of a Statement you should contact First State Bank
at the above phone # in section 3B. There are fees associated with paper copies of Statements.
Please refer to the most recent Schedule of Fees given to you for a list of current fees. We
will notify you of changes as required by law.

5. The Bank’s Right to Amend or Terminate the Services: The Bank reserves the right to amend or terminate the E-Statement Services and/or the conditions of participation from time to time, including enlargement or restriction of services available though the E-Statement Service. Your use of the E-Statement Service after any change will indicate your agreement to the amendments and affirm your consent to electronic delivery of Statements. The Bank will make available to you electronically a copy of any amendments when required by applicable law.

Rev. 2017