This Internet Banking Agreement and Disclosure ("Agreement") describes your rights and obligations as a user of the Internet Banking service or the Bill Payment service ("Services"). It also describes the rights and obligations of First State Financial, Inc. ("Bank"). Please read this Agreement carefully. By requesting and using one of these Services, you agree to comply with the terms and conditions of this Agreement.

I. Definitions
The following definitions apply in this Agreement:

II. Access to Services

The Bank will provide instructions on how to use the Internet Banking and Bill payment Services. You will gain access to your Online Accounts through the use of your Internet-enabled device, your ISP, your Password and your User ID. You may access your Online Accounts 24 hours a day, seven (7) days a week. However, availability of the Services may be suspended for brief periods of time for purposes of maintenance, updating and revising the software.

For purposes of transactions, the Bank's business days are Monday through Friday, excluding holidays and weekends. All Internet Banking transaction requests received after 4:00 P.M. on business days and all transactions which are requested on Saturdays, Sundays, or holidays on which the Bank chooses to remain closed, will be processed on the Bank's next business day. The Bank's business day begins at 8:00 A.M.

III. Banking Transactions with Internet Banking

IV. Schedule of Fees

On Line internet banking

$ 0.00

Bill Pay

$ 0.00

Replacement ATM Card

$ 10.00

Wire Transfer

$ 35.99

Overdraft Item Charge per item

$ 35.99

Account Research

$ 35.99 per hour

Returned Item Charge per item

$ 35.99


$ 1.00

Stop Payment fee

$ 35.99

V. Use of Your Security Password
You are responsible for keeping your password and Online Account information confidential. In order to protect yourself against fraud, you should adhere to the following guidelines:

If you believe your password has been lost or stolen, or if you suspect any fraudulent activity on your account, call the Bank immediately at 606-248-5950 between the hours of 8:00 A.M. to 4:00 P.M., Monday through Friday. Telephoning the Bank is the best way of minimizing your losses and liability.

If you believe your Password has been lost or stolen, please use the Password change feature within the Internet Banking section of the Web site to change your Password.

VI. Electronic Mail (E-mail)

If you send the Bank an e-mail message, the Bank will be deemed to have received it on the following business day. You should not rely on e-mail if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur.

VII. Bill Payment Services

VIII. Linked Accounts

IX. Business Accounts

X. Term and Termination

XI. Termination for Convenience. To terminate this Agreement, you must notify the Bank and provide your name, address, the Service(s) you are discontinuing, and the termination date of the Service(s). When Bill Payment is terminated, any prescheduled bill payments made through Internet Banking will also be terminated. Your final charge for the Bill Payment service will be assessed at the end of your statement cycle. You may notify the Bank by one of the following methods:

If you are not paying a monthly service charge for the Service, we may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 90-day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.

XII. Electronic Fund Transfer Provisions For Consumers

XIII. General Terms and Condition