First State Bank – Online Access Agreement and Disclosure

December 1, 2005

Table of Contents

• Introduction
  • Definitions
  • Security and protecting your account
  • Your responsibility
• Online Access
  • Registration
  • Access ID
  • Your Password
• Online Banking E-mail Communications
• Service Availability
• Fees and Charges
• Posting of Transfers
• Overdrafts
• Disclosure of Account Information and Transfers
  • Periodic Statements
  • Change in Terms
• General Provisions
  • Disclaimer
  • Termination
  • Communication
  • Notices
• Electronic Fund Transfer Provision for Consumers
  • Errors or Questions
  • Our Liability
  • Your Liability

First State Bank – Online Access Agreement

• • This Online Banking Agreement and Disclosure (“Agreement”) discusses how you can use Online Banking (“Service”) to obtain information about your accounts, to transfer funds between your accounts, and to request certain other bank services. It also contains the terms and conditions governing the Service. This Agreement is a contract, which establishes the rules, which cover your electronic access to your accounts at First State Bank (“Bank”) through the First State Bank Internet (“System”).When you access any of your accounts for the first time through the use of one or more of the services described below, you thereby indicate your consent to be bound by the terms and conditions of this Agreement. Please read and review it carefully. First Sate Bank recommends you print this agreement for your records. If you have any questions, or do not understand any terms of this agreement, please contact the bank prior to your use of the services.The terms and conditions of the deposit agreements and disclosures for each of your First State Bank accounts as well as your other agreements with First State Bank, such as loans, continue to apply notwithstanding anything to the contrary in this Agreement.

    Users of First State Bank Internet should always check the agreement for revision date to ensure they have reviewed the most recent version of this agreement. First State Bank may modify our terms and conditions for use of this site at any time. Modifications will be summarized at the beginning of the document.

    This Agreement is also subject to applicable federal laws and the laws of the State of Nebraska (except to the extent this Agreement can and does vary such rules or laws). If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and First State Bank’s successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement, together with the Enrollment Form and Fee Schedule, constitutes the entire agreement between you and First State Bank with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein.

    Definitions

    As used in this Agreement, the following words have the meanings given below.

    • “We,” “our,” “us,” and “Bank” refer to First State Bank, the depository institution that holds one or more accounts accessed by the Service.
    • “You” and “your” refer to the accountholder authorized by First State Bank to use the System under this Agreement and anyone else authorized by that accountholder to exercise control over the accountholder’s funds through the System.
    • “Consumer” is used to refer to a natural person who owns an Eligible Account with respect to which an Online Financial Service is requested primarily for personal, family or household purposes.
    • “Business” is used to refer to anyone other than a consumer who owns an Eligible Account with respect to which an Online Financial Service is requested.
    • “Account” or “accounts” means your accounts at First State Bank.
    • “Authorized representative” is used to refer to a person with authority of any kind with respect to an Eligible Account or an Online Financial Transaction.
    • “Electronic funds transfers” means ATM withdrawals, preauthorized transactions, point of sale transactions, and transfers to and from your First State Bank accounts using the System.
    • “The System Services” means the services provided pursuant to this Agreement.
    • “Business day” – Unless otherwise defined by this Agreement or in an Exhibit, a Business Day is any day that Bank is operating and open for business. Saturdays, Sundays and selected federal holidays shall not be considered Business Days. You shall contact Bank to inquire if a given Federal Holiday is determined by Bank to be a Business Day. All transactions, deposits, instructions and entries received by Bank on a day, which is not a Business Day, will be treated as if received on the next Business Day.
    • WAIVER OF REQUIREMENT FOR TWO SIGNATURES. Principles recognize that any requirement of verifying two signatures on checks, if such requirement exists, does not apply to electronic or telephone transfers, and release Bank from liability when making such transfers or payments. This means that any person who is authorized to act as a signer on your account shall be authorized by you to individually make electronic or telephonic transfers, including online bill payments for your account, even though that person’s authority to transfer or withdraw funds from your account by some other means (i.e. by check) must be exercised jointly with one or more other persons.

    Security and Protecting Your Account

    First State Bank is strongly committed to protecting the security and confidentiality of our customer account information. First State Bank uses state-of-the-art technology in the ongoing development of its Online Banking Service to ensure this security. We use several different methods to protect your account information:

    • You can only access Online Banking with certain browsers that have a high security standard.
    • You must have a valid Access I.D. and Passcode to sign in.
    • Only one passcode per Access I.D. is allowed.
    • If no action is taken for 15 minutes, you will be automatically logged off Online Banking.

    Your Responsibility:

    You agree….

    • Not to give out your identifying information such as your PC Passcode to any other person. The Bank may rely on your Access ID to identify you when providing banking services to you.
    • Never to leave your account information displayed in an area accessible by others.
    • Never to leave your PC unattended while using Online Banking.
    • To always exit the System by clicking on “Home/Exit/Log Off” in the upper left portion of the screen after using Online Banking.
    • To notify First State Bank at 877-493-5905 or 308-493-5905 immediately if you suspect that your Access I.D. or Passcode has become known to any unauthorized person.

    — You understand the importance of your role in preventing misuse of your accounts through the System and you agree to promptly examine your paper statement for each of your First State Bank accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information, such as your driver’s license number and social security number. You understand that personal identification information by itself, or together with information related to your account, may allow unauthorized access to your account. Your passcode and access ID are intended to provide security against unauthorized entry and access to your accounts. Data transferred via the System is encrypted in an effort to provide transmission security and the System utilizes identification technology to verify that the sender and receiver of the System transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that the System is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing the Bank System, or e-mail transmitted to and from us, will not be monitored or read by others. Do not notify us via E-Mail of lost or stolen user ID’s, passcodes, or debit or ATM cards. Do not send transfer or payment requests via E-mail.

• • ONLINE ACCESSRegistration–First State Bank account customers can register in person at any bank location or online, by selecting the “Accept” button at the end of this Agreement, indicating your acceptance to these terms and conditions. To register online, you must provide the following:
    • One of your First State Bank account numbers (Checking, Savings, Loan or CD)

    Access ID—You will be prompted to select an Access I.D. during your first online session through our online registration process. Your Access I.D. and Passcode identify and authenticate you to First State Bank when you use Online Banking. Access I.D. numbers may only be obtained by customers who have existing accounts with First State Bank.

    Your Passcode — For security purposes, you are required to change your password upon your initial login to First State Bank Internet. First State Bank requires for your protection that your password be alpha/numeric and at least seven characters in length. You determine what access ID and passcode you will use and the identity of your passcode is not communicated to us. You agree that we are authorized to act on instructions received under your passcode. You accept responsibility for the confidentiality and security of your passcode and agree to change your passcode regularly. Upon three unsuccessful attempts to use your passcode, your access to the System will be revoked. To re-establish your authorization to use the System, you must contact us to have your passcode reset or to obtain a new temporary passcode.

    We recommend that you create a passcode using the following guidelines:

    • Utilize both upper and lower case alpha and numeric characters, at least one alpha and one numberic, for purposes of security
    • Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, names of children, and should be memorized rather than written down.

    You can change your Passcode online at any time by selecting the Change Passcode option on our “Change Passcode” button. If necessary, passwords can also be reset by calling Online Banking Customer Service at 877-493-5905 or 308-493-5905. However, any passcode changed over the telephone will be “temporary” only, require an online reset at first use, and expire 30 days after issuance.

• • ONLINE BANKING E-MAIL COMMUNICATIONSIn general, communications sent over the public Internet are not necessarily secure. Therefore, we will not send, and we strongly suggest that you do not send, any confidential account information. We will not respond to account information related questions sent via Internet e-mail. You agree that we may take a reasonable time to act on any e-mail.Correspondence that requires expeditious handling — for example, if you need to report an unauthorized transaction from one of your accounts, or if you need to stop payment on a check you have issued, should be made by calling the Bank (The toll-free number for customer service for your local institution is available by going to the “Contact Us” button).Unless you have instructed us otherwise, you agree that First State Bank may send you electronic messages about other products or services we offer. You also agree that we may respond to any electronic message that you send us by electronic mail, such as responding to any claim of unauthorized electronic funds transfer. Any electronic message sent to you by the Bank shall be considered as if it were sent by U.S. Mail, postage prepaid, and shall be considered received within three days of the date sent by the Bank, regardless of whether you sign on to the Service within that time frame.

• • SERVICE AVAILABILITYOnline Banking with First State Bank is available 365 days a year, 24 hours a day. However, at certain times, some or all of the Services may not be available due to system maintenance or reasons beyond Bank’s control. Bank specifically does not warrant that the Services will be available at all times. During these times when Services are not available, you may use a bank ATM or the bank physical location (assuming you have applied for and been accepted to utilize such ATM and services).

• • Fees and Charges
    • There are no monthly or transaction fees for accessing First State Bank Internet through this System.
    • Fees separately disclosed to you in connection with your Eligible Account(s) will continue to apply when using the System.
    • You are also responsible for Internet service fees you incur in connection with your use of the System.

• • Posting of TransfersTransfers initiated through the System before 4:00 p.m. (Central Standard Time) on a business day are posted to your account the same day. Transfers completed after 4:00 p.m. (Central Standard Time) on a business day, Saturday, Sunday or banking holiday, will be posted on the next business day. The System identifies transfers based upon the login ID of the user who made the electronic transfer. You agree to communicate with any other persons with authorized access to your accounts concerning any transfers or bill payments from your accounts in order to avoid overdrafts.

• • Overdrafts (Order of Payments, Transfers, and other Withdrawals)If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then:
    • Electronic funds transfers involving currency disbursements, like ATM withdrawals, will have priority;
    • Electronic fund transfers initiated through the System that would result in an overdraft of your account may, at our discretion, be cancelled;
    • In the event the electronic fund transfers initiated through the System that would result in an overdraft of your account are not cancelled, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account.

    Limits on Amounts and Frequency of System Transactions — The number of transfers from Bank accounts and the amounts, which may be transferred, are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

• • General ProvisionsYou understand information about your accounts or the transfers you make may automatically be disclosed to others. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to the System. You agree and hereby authorize all of these transfers of information.Periodic Statements — You will not receive a separate System statement. Transfers to and from your accounts using the System will appear on the respective periodic paper statements for your Bank accounts.Change in Terms — We may change any term of this Agreement at any time. If the change would result in increased fees for any System service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer System. We will post any required notice of the change in terms on the Bank System web site or forward it to you by e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic funds transfer System, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject System Services indicates your acceptance of the change in terms. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

    Disclaimer of Warranty and Limitation of Liability — We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the System Services provided to you under this Agreement. We do not and cannot warrant that the System will operate without errors, or that any or all System Services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to the System, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of First State Bank and its affiliates exceed the amounts paid by you for the services provided to you through the System.

    Your Right to Terminate — You may cancel your System service at any time by providing us with written notice by postal mail or fax. Your access to the System will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.

    Our Right to Terminate — You agree that we can terminate or limit your access to the System Services for any of the following reasons:

    • Without prior notice, if you have insufficient funds in any one of your Bank accounts. The System service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits. If reinstated, the then current terms of this Agreement will control.
    • Upon 3 business days notice, if you do not contact us to designate a new Primary Checking Account immediately after you close your Primary Checking Account.
    • Upon reasonable notice, for any other reason in our sole discretion.

    Communications between First State Bank and You — Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:

    • E-mail — You can contact us by email at customerservice@1ststatebank4me.com (Please note that banking transactions through the System should not made via e-mail.)
    • Telephone — You can contact us by telephone at 877-493-5905 or 308-493-5905
    • Facsimile — You can contact us by fax at 308-493-5617
    • Postal Mail — You can write to us at:
      
      First State Bank
      Online Customer Service Representative
      PO Box 100
      Holbrook, NE 68948
    • In Person — You may visit us in person at our location in Holbrook

    Consent to Electronic Delivery of Notices — You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic funds transfer disclosures, may be made electronically by posting the notice on the Bank System web site or by e-mail. You agree to notify us immediately of any change in your e-mail address.

    Limitation of Liability and Disclaimer of Warranties – The Bank’s liability to you is explained in any agreements, notices, and disclosures that we separately provide to you from time to time regarding your Eligible Account(s) and Online Access. This section explains our liability to you only to the extent that our liability has not been separately disclosed to you by any of these agreements, notices, or disclosures. The Bank’s liability for damages arising out of this Agreement will not exceed the aggregate fees paid by you to Bank as stated in this Agreement. In no event shall either party have any liability to the other party or any third party for any lost profits or costs of procurement of substitute goods or services or for any indirect, special or consequential damage resulting from or arising out of this Agreement. Notwithstanding the foregoing, in no event shall Bank be liable for any losses or damages resulting from:

    • Your use of or access to (or inability to use or access) the services or any resources accessible through the services;
    • Your reliance on any information provided via our website;
    • Any other failure of performance, error, omission, interruption or defect, or any loss or delay in transmission;
    • Services and/or data provided by your data processing vendor(s);
    • Software defects in third party software not developed by or licensed from Bank;
    • Resources, products and services provided by third parties but accessed through the Service (i.e. Internet links) are not our responsibility and we make no representation whatsoever about them. The fact that we have provided access to a third party resource, product or service does not mean that we endorse it.
    • A virus, the prevention of which was beyond the reasonable control of Bank, or
    • A third party gaining access to Bank’s system and obtaining or altering data. [Bank is specifically not liable for failure of your operations or systems or any other entity’s operations or systems

    In no event will we have liability for direct, special, incidental, punitive or indirect damages, regardless of whether such damages arise in contract, tort (including negligence and strict liability) or otherwise, or for lost profits, business interruption, or loss of programs or data on your computer system, regardless of whether we knew of or should have known the likelihood of such damages in any circumstances thereof. We do not guarantee the security, privacy or integrity of information that you may transmit to us or receive from us over the Internet.

    If you are dissatisfied with any aspect of our site or the services available via our web site, your sole and exclusive remedy is to discontinue access.

    We will not be obligated to honor, in whole or in part, any transaction or instruction which:

    • Is not in accordance with any term or condition applicable to the relevant Eligible Account;
    • We have reason to believe may not be authorized by you or any third person whose authorization we believe is necessary or involves funds subject to a hold, dispute, restriction or legal process we believe prevents their withdrawal;
    • Would violate any applicable provision of any risk control program of the Federal Reserve or any applicable rule or regulation of any other federal or state regulatory authority;
    • Is not in accordance with any other policy or procedures of First State Bank;
    • We have reasonable cause not to honor for your or our protection.

    Indemnification – Except as otherwise provided herein, you are solely responsible for the results of your use of the Services. You agree to indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with an Eligible account or the performance of Service. You or your authorized representative provide this indemnification without regard to whether our claim for indemnification is due to the use of the Service.

    We are not responsible to third parties (such as, but not limited to, your customers) for your use of the Services. If a third-party claim is made against us arising out of your sue of the Services or violation of this agreement, you agree to defend, indemnify and hold us harmless against such claim.

• Electronic Fund Transfer Provision for ConsumersThe provisions in this section apply only to electronic fund transfers that debit or credit a consumer’s checking, savings or other asset account and are subject to the Federal Reserve Board’s Regulation E (an “EFT”). First State Bank may, when applicable, rely on any exception to the provisions in this section that are contained in Regulation E. All terms not otherwise defined in this Agreement, which are defined in Regulation E, will have the same meaning when used in this section.In Case of Errors or Questions about Your Electronic Transfers – Contact us as soon as you can, if you think your paper statement is wrong, or if you need more information about a transfer listed on your paper statement. We must hear from you no later than 60 days after we sent the FIRST paper statement upon which the problem or error appeared in order to avoid liability for subsequent transfers. When you contact us:
  1. Tell us your name and account number.
  2. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information.
  3. Tell us the dollar amount of the suspected error.

  If you contact us by telephone or by e-mail, we may require that you send us your complaint or question in the form of paper writing by postal mail or fax within 10 business days.

  We will communicate to you the results of our investigation within 10 business days after you contact us and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and WE DO NOT receive it in the form of a paper writing within 10 business days, we may not provisionally credit your account.

  If a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made, the error involves a new account. For errors involving new accounts, point of sale debit card transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or questions. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error.

  We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If we have made a provisional credit, a corresponding debit will be made from your account.

  Our Liability for Failure to Make a Transfer — If we do not complete a transfer to or from your account on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result. However, there are some exceptions. We will NOT be liable, for instance:

  • If, through no fault of ours, you do not have enough money in your account to make a transfer.
  • If a legal order directs us to prohibit withdrawals from the account.
  • If your account is closed, or if it has been frozen.
  • If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts.
  • If you, or anyone authorized by you, commits any fraud or violates any law or regulation.
  • If any electronic terminal, telecommunication device, or any part of the System electronic fund transfer system is not working properly and you knew about the problem when you started the transfer.
  • If you have not properly followed the on-screen instructions for using the System.
  • If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.

  Your Liability for Unauthorized Transfers — CONTACT US AT ONCE if you believe your passcode has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all the money in your accounts (plus your maximum overdraft line of credit, if any).

  If you contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, your liability will not exceed the lesser of $50 or the amount of the unauthorized EFTs that occur before notice to us.

  If you do NOT contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, and we can prove we could have stopped someone from using your password to access your accounts without your permission if you had told us, you could lose as much as $500.

  Also, if your paper statement shows transfers that you did not make, contact us at once. If you do not tell us within 60 days after the paper statement was mailed to you, you may not get back any money you lost through transactions made after the 60 day time period if we can prove that we could have stopped someone from taking the money if you had told us in time. If your delay in notification was credited to extenuating circumstances, we may extend the times specified in the above paragraphs to a reasonable period.

While First State Bank works to protect your banking privacy, you also play an important role in protecting your information. Here are a few steps you can take to protect your identity:

Protect Yourself

Tips

• Add your phone numbers to the national Do Not Call Registry at www.donotcall.gov or by calling 1-888-382-1222. Since February 2008, these registered telephone numbers will no longer expire off the list.
• Examine your credit card and financial institution statements immediately upon receipt to determine whether there were any unauthorized transactions. Report any that you find immediately to the financial institution.

Quarterly

• Place a fraud alert every 90 days on your credit file at www.fraudalerts.equifax.com or by calling 1-800-525-6285. By placing a fraud alert with Equifax, you will automatically have alerts placed at Experian and TransUnion.

Annually

• Each year, you are entitled to one free credit report through www.annualcreditreport.com or by calling 1-877-322-8228.
• Request a copy of your Social Security statements at www.ssa.gov/mystatement to be sure that no one else is using your social security number for employment.

Every 5 Years

• Opt out of pre-screened credit offers by calling 1-888-567-8688 or at www.optoutprescreen.com.

Please read the other sections to learn about the different types of fraud and how to prevent them, from spyware and other computer fraud to mail and phone fraud to email phishing and web spoofing. Our Fraud Summary page provides more tips on how to protect yourself.

Contact us immediately at 1-308-569-2311 if you notice any suspicious or unusual activity related to any of your First State Bank accounts.

Fraud Summary

Identity Theft is the most popular and profitable form of consumer fraud. It occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes.

Common ways identity theft can happen:

“Old Fashioned” Stealing

• Thieves typically steal wallets and purses. They also steal mail such as credit card and bank statements, pre-approved credit card offers, check orders and other financial mail.

Dumpster Diving

• Thieves dig through trash looking for bills, financial or other personal information.

Change of Address

• Thieves modify or redirect your billing statements to another address by completing a “change of address” form.

Phishing

• Thieves may send unsolicited Emails, pretending to be a financial institution or a company, asking you to click a link to update or confirm your personal or login information. The link is directed to a “spoof” website designed to look like a legitimate site.

Skimming

• Thieves may use a card reader device to copy the card’s magnetic strip to duplicate without the card owner’s knowledge.

Monitor your accounts

Keep track of transactions on your accounts by logging in to First State Bank’s Online Banking, where you can view your activity as it is posted.

Protect your personal information

• Do not carry your Social Security card in your wallet.
• Do not have personal information such as your Social Security number and driver’s license number printed on your checks.
• Keep your new and cancelled checks in a safe place.
• Do not leave your purse, wallet, checkbook, or any other forms of identification in your car
• Shred or tear up any documents containing banking or credit information, especially pre-approved credit offers, before you throw-fluid them away. To opt out of pre-approved credit card offers, call 1-888-567-8688.
• Keep your PINs and passwords a secret. Do not write them down or share them with anyone.

Contact us immediately at 1-308-569-2311 if you notice any suspicious or unusual activity related to any of your First State Bank accounts.

Computer Security

First State Bank continually makes investments in state-of-the-art online banking security to ensure we protect the confidentiality of every customer’s online information and to provide the utmost security of every user.

Computer protection tips:

• Update your computer operating system on a regular basis.
• Keep your brow-fluidser current with the latest security updates.
• Use updated anti-virus software.
• Use updated anti-spyware software and consider using more than one, to ensure the most thorough scan.
• Change your passwords on a regular basis, as a good practice to help prevent unauthorized access.
• Download free software only from websites you know and trust.
• Do not install software without knowing exactly what it is or what it will do (read the end-user license agreement).
• Close pop-up ads by clicking on the “X” instead of clicking within the advertisement itself.
• Review your brow-fluidser security settings and set them to a high enough level to help detect unauthorized downloads. (Click your brow-fluidser’s “Help” menu for steps).
• Do not click link inside of spam email. Especially emails claiming to offer anti-spyware software.
• Install a personal firewall on your computer. A firewall works like a filter that prevents access to information on your computer.
• Don’t give any of your personal information to any web sites that do not use encryption or other secure methods to protect it.

Contact us immediately at 1-308-569-2311 if you notice any suspicious or unusual activity related to any of your First State Bank accounts.

Mail and Phone

We recommend you learn ways to protect yourself from common fraud schemes.

Vishing

Vishing scams target consumers by “spoofing” text or voicemail messages that ask you to call a phone number and give your personal information. Here’s how it works:

• You receive a “spoof” email or text message about suspicious account activity.
• The text or voicemail message will ask you to call a “customer service” number.
• When you call the customer service number, a recording will ask you to provide personal information such as account numbers, passwords, a social security number, or other critical information.
• The recording may not mention the company’s name and could potentially be an indication the call is being used for fraud.
• You can also receive a phone call.
• The call could be a “live” person or a recorded message.
• The caller may already have your personal information, which may seem as if the call is legitimate.

Smishing

Smishing is when consumers’ cell phones and other mobile devices are targeted with mobile spam. The spam, or text messages, attempt to trick consumers into providing personal information. Here’s how it works:

• You receive a fake text message, which may include a fraudulent link, asking you to register for an online service.
• The scammer attempts to load a virus onto your cell phone or mobile device.
• The scammer may also send a message ‘warning’ you that your account will be charged unless you cancel your supposed online order.
• When you attempt to log on to the website, the scammer extracts your credit card number and other personal information.
• In turn, your information is used to duplicate credit, debit and ATM cards.
• Scammers may also send you a text message again ‘warning’ you that your bank account has been closed due to suspicious activity.
• The text message will ask you to call a ‘customer service’ number to reactivate your account.
• When you call the number, you are taken to an automated voice mail box that prompts you to key in your credit card, debit card or ATM card number, expiration date and PIN to verify your information.
• Again, your information is used to duplicate credit, debit and ATM cards.

Lottery/Sweepstakes Scams

Lottery/Sweepstakes scams target consumers by a notification, which arrives through the mail, by email, or by an unsolicited telephone call. Here’s how it works:

• The notification advises you have won a prize, but you did not enter in any type of lottery or sweepstake by the promoter contacting you.
• The promoter will ask you to send payment to cover the cost of redeeming the prize when the prize does not exist.
• In this type of scam, you may rarely if ever receive any winnings in return.

Check Overpayment Scams

Check Overpayment scams target consumers who sell items through an online auction site or a classified ad. Here’s how it works:

• The seller takes a big loss when the ‘buyer’ passes a counterfeit cashier’s check, money order, corporate or personal check as payment.
• The counterfeit check is written for more than the agreed price.
• The ‘buyer’ will ask the consumer to wire back the difference after the check has been deposited.
• The check will more than likely bounce and the consumer becomes liable for the entire amount.

Tips for the mailbox

Check Overpayment scams target consumers who sell items through an online auction site or a classified ad. Here’s how it works:

• Deposit outgoing mail at the Post Office.
• Remove incoming mail from your personal mailbox as soon as possible, or use a P.O. Box or locked, secure mailbox.
• Request a mail hold from the United States Postal Service or call them at 1-800-275-8777 if you plan to be away from home for an extended period.
• Know your billing cycles. If bills are late or missing, contact your creditors.
• Watch for your new or replacement Checkcard from us. You should receive it within five business days.
• Switch to a more secure way of receiving your account statement. When you sign up for First State Bank Online E-Statements, your statement will no longer sit in your mailbox. Instead, we will send you an email when your statement is available through your secure Online Banking account.

Tips for the phone

• Do not give out personal information, such as your account numbers, card numbers, Social Security, tax identification numbers, passwords, or PINs, unless you have initiated the call.
• We will not make an unsolicited call requesting your personal information.
• If you ever believe you are not talking to a representative of a legitimate company, hang up and call the phone number listed in the telephone book.

Contact us immediately at 1-308-569-2311 if you notice any suspicious or unusual activity related to any of your First State Bank accounts.

Phishing and Spoofing

Phishing

Phishing scams target consumers by “spoofing” text or voicemail messages that ask you to call a phone number and give your personal information. Here’s how it works:

• You receive an email message , asking you to click on a link in order to update some sensitive personal information.
• The link will redirect you to a “spoofed” website, which is designed to look like a legitimate website.
• The website will ask you to input personal information such as your account numbers, PINs , or a social security number.

Avoid spoofed websites

To protect yourself from going to a spoofed website, always type: “www.1ststatebank4me.com” into your brow-fluidser when you login to your First State Bank Online Banking Account, instead of clicking a link in an email.

email protection tips

• Do not click links in Emails to log in, or to update or confirm your sensitive information
• Do not fill out forms in Emails
• Be cautious about opening attachments or downloading files, regardless of who sent them
• ‘Spam’, or mass email messages, often contain links to phishing websites and other unsavory websites.
• Many phishing scams originate outside of the United states. Be wary of emails from people or sources you don’t know or trust.
• Poor grammar and misspelled words from unknown sources asking you for personal information are clear warning signs of a phishing scam being operated outside of the United States.
• Legitimate companies or organizations will never ask you to divulge any personal information over email.
• Phishing emails may also be fake contests or offerings, asking you to input personal information.
• If an offer or email you receive is too good to be true, it most likely is.

Bank Error Messages

One of the newest schemes by fraudsters involves spoofing bank error messages. Here’s how it works:

• Fraudsters will send you an email message about a data or site maintenance error at First State Bank or any of your banks.
• The email will ask you to click on a link, which will redirect you to a site and will install malware on your computer.
• This malware allows scammers to intercept your password and bypass the dual authentication system many financial institutions use.
• The next time you attempt to log in to your online banking service, scammers attempt to steal your password and may quickly drain your account.

Emails from First State Bank

For your protection, we will not send you an email to update or confirm your sensitive information by clicking a link or replying.

Emails to First State Bank

Please do not send personal information in this un-secure email. Secure email may be sent from the Secure Feedback form from within our Online Banking’s Support Tab.

Contact us immediately at 1-308-569-2311 if you notice any suspicious or unusual activity related to any of your First State Bank accounts.