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Terms of Use Important Note Regarding Website Content

Under this Terms of Use, “we”, “us,” and “our” denote First State Bank or its affiliates or subsidiaries. “You” and “your” refer to the individual using the website.

Your use of our website (“Site”), including vendor sites necessary to provide products and services relating to your relationship with us, constitutes your agreement to all of the following Terms of Use. We may modify, change, add to, terminate, or suspend any part or all of the Site at any time without providing notice. Additionally, these Terms of Use may change at any time without notice. Updates will be posted on this Site. If you do not agree with our Terms of Use, your sole remedy is to discontinue your use of the Site.

Products and Services

First State Bank and its affiliates offer information pertaining to a variety of products and services on the Site. This information is supplemental to the underlying agreements, terms and conditions for these products and services. Please contact us at 1-800-994-2500 for more information.

Information contained in the Site does not, and is not intended to, constitute an advertisement, solicitation or offer for sale in any jurisdiction where First State Bank or its affiliates or subsidiaries are not licensed to do business. Also, the information contained in the Site does not constitute financial, accounting, legal or tax advice. You should consult your tax or legal advisor before acting on any information on the Site.

Software and Hardware Requirements

To access the Site, you must obtain access to the Internet which involves computer hardware (e.g., computer, modem) and software (e.g., web browser) requirements. You are solely responsible for any fees and charges related to your access to the Internet, including but not limited to any Internet Service Provider (“ISP”) fees, telephone charges and cellular provider charges.

Certain segments of the Site require additional hardware and/or software to effectively use the Site and to sign up for various products and services online. Adobe® Acrobat Reader is also needed to view statements online and to agree to some products and services online. First State Bank requires you to use a web browser that supports adequate security measures which includes the use of Secure Socket Layer (SSL) encryption technology with 128-bit encryption, and such standards may change from time-to-time as determined by First State Bank.

First State Bank recommends you use adequate anti-virus and anti-spyware software and that you keep such software current to help you avoid data compromise and related losses. You are responsible for selecting all systems, hardware and your ISP. You are also responsible for any defect, malfunction or interruption in service or security due to hardware failure, your choice of ISP and systems and computer services. First State Bank is not responsible for any computer virus or related problems that may arise with your use of the Site, products or services. Some services on the site may require you to have a telephone for OOBA (Out-of-Band Authentication) which provides additional, multi-factor authentication to help prevent unauthorized access.

Cookies

When you visit our Site, our web servers may place a small file called a “cookie” on your computer to collect information as described below in Website Tracking and Analytics and Online Advertising. A cookie is an element of data that a website can send to your browser, which may then store it on your system. A cookie helps a website to recognize whether or not you have visited the website before, allowing the browser to provide your information back to the server on subsequent visits. A cookie does not retrieve any data from your hard drive, does not carry computer viruses, and does not reveal any of your personal information.

You may set your browser to disable or delete cookies, however, this may affect your ability to use certain Site features, including some of our products and services.

Website Tracking and Analytics

We use tools, such as cookies and clickstream auditing, to gather analytics on Site usage. These tools gather non-personally identifiable information, such as the Site pages visited, the time and date you used the Site, the navigation path you used to find information and the name of your Internet Service Provider. In addition, we will collect technical information about your computer such as its screen resolution, operating system and browser. This information collected in aggregate gives us insight into how our Site is being used. It also allows us to make sure the Site runs well with the equipment being used by the majority of our visitors. 

We may contract with third parties to assist us with gathering this information; however, these companies are prohibited from using the information they collect for their own purposes or from sharing this information with others.

Online Advertising

We may periodically advertise our products and services through ads on non-affiliated, third-party vendor sites across the internet, some of which may be linked to our Site. Third-party vendors may also use cookies and/or device identifiers to track responses to our ads and to serve ads based on someone's past visits to our Site.

Links to Other Internet Sites

The Site may contain links to other websites operated by non-affiliated third parties. We provide links to other sites as a convenience. The linked sites are not under our control and we are not responsible for the products and services, privacy policy, security or content available on the third-party sites. We explicitly disclaim all liability for damages of any kind arising out of the use of such linked sites.

Contacting the Bank by Electronic Mail (“Email”)

Because normal Internet email transmissions may not be secure, we request that you do not send us or request sensitive information such as account numbers, passwords and payment information via any public email system or non-secure “Contact Us” form on this Site.

If you intend on including confidential or personal information such as account numbers, Social Security numbers or credit card numbers, please use our “Secure Email Center” to guarantee confidentiality, or contact us at 1-800-994-2500 Monday through Friday from 8 am to 5 pm.

We generally will acknowledge emails within one (1) business day; however, we will not take action until we actually receive your email message and have a reasonable time period to act. For time-sensitive information, please contact us at 1-800-994-2500 Monday through Friday from 8 am to 5 pm.

Emails from First State Bank

We will never ask you to send confidential information to us via email, such as your logon ID, password, account numbers, or Social Security number. If you receive any such request, do not respond to it. Please notify us immediately at 1-800-994-2500.

However, in order to establish or maintain financial services offered by First State Bank, we may request confidential information through secure contact forms or protected online applications. We will safeguard any information you share with us using security measures that comply with federal law to ensure protections against unauthorized access.

When you sign up for First State Bank’s email communication channel, you are consenting to First State Bank occasionally emailing you about products, services and information that may be of interest to you. Under various federal and state laws and regulations, members may choose to opt out of receiving promotional emails from First State Bank by clicking on the “unsubscribe” link located in the emailed communication. Once the unsubscribe link is clicked, your email address will immediately be removed from the system. Please note that this does not unsubscribe you from receiving important notifications regarding your current accounts via email. This also does not stop any Online Banking alerts that you may have set up.

Children Using Our Site

Due to the Children's Online Privacy Protection Act, the Site is not intended for use by individuals under the age of 13. First State Bank does not knowingly solicit or knowingly market to children under 13 without parental consent. Children should always ask a parent or legal guardian for permission before sending personal information to anyone online.

No Unlawful or Prohibited Use

The contents of the Site are our property unless otherwise indicated, and are protected by copyright and trademark laws. The contents of the Site are for personal use and may not be copied (other than a copy for personal use), displayed, downloaded, distributed, modified, published, or transmitted without our prior written consent.

You agree not to use the Site or any information contained in the Site for any purpose that is unlawful or prohibited by these Terms of Use. You also agree not to access the Site or use materials or services available on the Site from territories where such access or use is illegal.

Unlawful Internet Gambling Notice

The Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006 prohibits businesses from knowingly accepting payments in connection with unlawful internet gambling. The Department of the Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement the UIGEA. Restricted transactions as defined in Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful internet gambling. As a customer of First State Bank, commercial customers will be required to certify that they do not engage in unlawful internet gambling. If you do engage in an internet gambling business and open a new account with us, you will be required to provide evidence of your legal capacity to do so.

Limitation of Liability

We provide the contents and use of the Site (including applications, text, graphics, links, tools, calculators and other resources) on an “as is” basis and your use of the Site is at your sole risk. In addition, we assume no responsibility for any error, omission, interruption, defect, delay in operation or transmission, computer virus, or line or system failure. We make no warranties or representations of any kind in connection with the use of the information or applications on the Site, their accuracy, adequacy, or completeness. To the extent permitted under applicable law, we disclaim all warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Governing Law

These Terms of Use are governed by, and shall be interpreted under, the internal laws of the State of Wisconsin, excluding its conflict of law principles.

Indemnification

You agree to indemnify, defend and hold harmless First State Bank and its respective directors, officers, employees, Service Providers and agents from and against all claims and expenses (including reasonable attorneys’ fees) arising out of your violation of the Site Terms of Use or misuse of the Site.

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