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LEGAL TERMS AND CONDITIONS

PLEASE READ THESE LEGAL TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THE WORLD WIDE WEB INTERNET SITE OF FIRST STATE BANK OF ST. CHARLES, MISSOURI, YOU AGREE TO BE BOUND BY THE LEGAL TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT AGREE TO THESE LEGAL TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS SITE.

These Legal Terms and Conditions set forth the entire agreement between First State Bank of St. Charles, Missouri, a Missouri state-chartered bank (collectively with its parent and all of its subsidiaries and affiliates, "First State Bank of St. Charles, Missouri") and any party or parties ("you" or "your") accessing or using this World Wide Web internet site (this "Site"). First State Bank of St. Charles, Missouri reserves the right to revise these Legal Terms and Conditions at any time by updating this posting, and such revision will be in effect as of the time the revised Legal Terms and Conditions are posted. Continued use of this Site after any such changes shall constitute your consent to such changes. You are responsible for regular review of these Legal Terms and Conditions.

NO WARRANTIES

FIRST STATE BANK OF ST. CHARLES, MISSOURI MAKES NO REPRESENTATION ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE CONTENT OF THIS SITE FOR ANY PURPOSE. ALL CONTENT OF THIS SITE IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. FIRST STATE BANK OF ST. CHARLES, MISSOURI DISCLAIMS ANY WARRANTIES AND REPRESENTATIONS WITH REGARD TO THE CONTENT, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND SECURITY.

FIRST STATE BANK OF ST. CHARLES, MISSOURI DOES NOT WARRANT THAT THE CONTENT HEREIN IS ACCURATE, COMPLETE, OR CURRENT. FIRST STATE BANK OF ST. CHARLES, MISSOURI MAKES NO COMMITMENT TO UPDATE THE CONTENT OF THIS SITE. IT IS YOUR RESPONSIBILITY TO VERIFY ANY INFORMATION BEFORE RELYING ON IT. THE CONTENT OF THIS SITE MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. FROM TIME TO TIME CHANGES ARE MADE TO THE CONTENT DISPLAYED ON THIS SITE. FIRST STATE BANK OF ST. CHARLES, MISSOURI MAY MAKE CHANGES IN THE PRODUCTS AND/OR THE SERVICES DESCRIBED ON THIS SITE AT ANY TIME.

LIMITATION OF LIABILITY

FIRST STATE BANK OF ST. CHARLES, MISSOURI WILL NOT BE LIABLE UNDER ANY CIRCUMSTANCES FOR ANY DAMAGES OR INJURY ARISING FROM YOUR USE OF THIS SITE. THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT YOUR EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (INCLUDING, BUT NOT LIMITED TO, ACCESSING YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MAJEURE. IN NO EVENT SHALL FIRST STATE BANK OF ST. CHARLES, MISSOURI BE LIABLE FOR ANY ACTUAL, DIRECT, SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO, LOSS OF USE, DATA, OR PROFITS, ARISING OUT OF OR RELATING TO THE USE OF THIS SITE OR THE COPYING OR DISPLAY OF INFORMATION ACCESSED THROUGH THIS SITE, WHETHER OR NOT FIRST STATE BANK OF ST. CHARLES, MISSOURI WAS ADVISED OF OR AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS DISCLAIMER OF LIABILITY IS EFFECTIVE WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, TORT, STRICT LIABILITY OR ANY OTHER THEORY. WITHOUT LIMITING THE FOREGOING, FIRST STATE BANK OF ST. CHARLES, MISSOURI SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES INCURRED AS A RESULT OF ANY INFORMATION SUBMITTED TO IT THROUGH THIS SITE OR ANY PAGE HEREOF OR FOR ITS TRANSMISSION OF INFORMATION TO ANY PERSON(S) OR ENTITY(IES) AS A RESULT OF A REQUEST FOR SUCH TRANSMISSION REASONABLY BELIEVED BY FIRST STATE BANK OF ST. CHARLES, MISSOURI TO HAVE BEEN MADE BY SUCH PERSON OR ENTITY. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THIS SITE, OR WITH THESE LEGAL TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THIS SITE.

INDEMNITY

YOU AGREE TO INDEMNITY, DEFEND, AND HOLD HARMLESS FIRST STATE BANK OF ST. CHARLES, MISSOURI, ITS PARENT, SUBSIDIARIES, AFFILIATES AND THEIR RESPECTIVE EMPLOYEES, DIRECTORS, OFFICERS, AND AGENTS OF EACH, AGAINST ANY AND ALL CLAIMS, DEMANDS, DAMAGES, COSTS OR EXPENSES (INCLUDING REASONABLE ATTORNEYS' FEES) THAT ARISE DIRECTLY OR INDIRECTLY FROM YOUR BREACH OF THESE LEGAL TERMS AND CONDITIONS OR ARISING FROM YOUR USE OR CONDUCT ON THIS SITE.

LINKS TO THIRD PARTY SITES

This Site may contain links to internet sites controlled or offered by third parties who are not affiliated with First State Bank of St. Charles, Missouri. Your use of the hyperlinks on this Site to other internet sites is at your own risk and First State Bank of St. Charles, Missouri is not responsible for the accuracy or reliability of any information, data, opinions, advice or statements made on such linked sites. First State Bank of St. Charles, Missouri makes no representations whatsoever concerning the content of those sites. First State Bank of St. Charles, Missouri hereby disclaims liability for any information, materials, products or services posted or offered at any of the third party sites linked to this web site. A link to a site is NOT an endorsement, authorization, sponsorship, or affiliation by or with First State Bank of St. Charles, Missouri with respect to such site, its owners, or its providers; these links are provided only as a convenience to you. First State Bank of St. Charles, Missouri has not tested any information, software, products or services found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software, products or services found on the Internet; and you should be sure that you completely understand these risks before retrieving, using, relying upon, or purchasing anything via the Internet. You should be aware that linked sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions provided on this Site. First State Bank of St. Charles, Missouri is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions. FIRST STATE BANK OF ST. CHARLES, MISSOURI DOES NOT PROVIDE, ENDORSE OR GUARANTEE ANY OF THE INFORMATION, RECOMMENDATIONS, PRODUCTS OR SERVICES OF ANY THIRD PARTIES OR THIRD PARTY SITES, NOR DOES FIRST STATE BANK OF ST. CHARLES, MISSOURI ACCEPT ANY LIABILITY IN CONNECTION WITH THE SECURITY MEASURES EMPLOYED BY SUCH THIRD PARTIES OR THIRD PARTY SITES.

JURISDICTION

These Terms and Conditions will be governed by and be interpreted pursuant to the laws of the State of Missouri, notwithstanding any principles of conflicts of law, and any applicable Federal laws or regulations. You agree that the courts located in St. Charles County, Missouri, shall have exclusive jurisdiction over any cause of action arising out of or related to the content or use of this Site.

ENTIRE AGREEMENT

If any part of these Terms and Conditions is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. First State Bank of St. Charles, Missouri reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including the right to block access from a particular Internet address to the Site.

PRIVACY INFORMATION

At First State Bank of St. Charles, Missouri, maintaining the privacy of the nonpublic personal information of our consumer customers is our top priority. First State Bank of St. Charles, Missouri's Privacy Policy may be viewed at [http://www.fsbfinancial.com/ privacyPolicy.asp]. These Terms and Conditions supplement those of the Privacy Policy. You should be aware that linked sites may contain confidentiality provisions that differ from the provisions provided herein. First State Bank of St. Charles, Missouri is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

First State Bank of St. Charles, Missouri uses encryption technology to protect the privacy of personal information supplied to us or accessed through our Web banking service. To provide you with better service, First State Bank of St. Charles, Missouri may also use "cookies". A cookie is a small bit of information given to your browser by a web site, which can later be retrieved. A cookie is a way for a web site to recognize whether or not you have visited the site before. The cookie cannot be read by a web site other than the one that "set" the cookie. First State Bank of St. Charles, Missouri may use cookies for administrative purposes, such as where we store a password, or where you are able to customize the information you see. Recording cookies at such points is intended to make your online experience easier and faster. First State Bank of St. Charles, Missouri's cookies do not read your hard drive or contain any information that you have not already provided, and will not contain any information that will enable anyone to contact you via telephone or email. Most web browsers may be set to inform you when cookies are set or to prevent them from being recorded on your hard drive.

The content of your email, your email address and First State Bank of St. Charles, Missouri's response, if any, is preserved so that we can better serve you. Depending on the content of your email, First State Bank of St. Charles, Missouri may be required by existing laws and regulations to keep this information. If you send email to us, please remember that email is not secure against interception. Please do not use email to send us communications which contain confidential information such as account numbers, social security numbers, PIN's, and passwords. If your communications contain information that is sensitive, you may want to send this information via postal mail, or contact us by telephone.

LOCATION OF PRODUCTS AND SERVICES

First State Bank of St. Charles, Missouri's products and services are offered only in jurisdictions where they may be lawfully offered for sale and are subject to the terms of the applicable agreement. This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or county where such distribution or use would be contrary to local law or regulation. NOT ALL PRODUCTS OR SERVICES MENTIONED ON THIS WORLD WIDE WEB INTERNET SITE ARE AVAILABLE IN ALL JURISDICTIONS.

ADDITIONAL TERMS

Certain sections or pages on this 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 those sections or pages.

COPYRIGHT

COPYRIGHT FIRST STATE BANK OF ST. CHARLES, MISSOURI © 2003. ALL RIGHTS RESERVED.

Copyright in the pages, in the screens displaying the pages, in the information and material therein and in their arrangement is owned by First State Bank of St. Charles, Missouri, unless otherwise indicated.

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To report a lost or stolen Debit or ATM card during normal banking hours, please call 636-940-5555. If it is after hours, call 800-554-8969 and then call the bank on the following business day to order a replacement card.

NOTICE: First State Bank is not responsible for and has no control over the subject matter, content, information, or graphics of the websites that have links here. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. You should be advised that the First State Bank privacy policies do not apply to the linked websites and that a viewer should consult the privacy disclosure on the site for further information.