eDisclosure Agreement

Purpose of the eDisclosure Agreement

The purpose of this eDisclosure Agreement is to obtain your consent to receive certain disclosures from First Star Bank relating to your deposit accounts in electronic form rather than in paper form.

If you consent to receive electronic delivery of such disclosures, First Star Bank will make electronic disclosures ("eDisclosures") available to you electronically through www.firststarbank.com, the Bank's Internet banking website, instead of providing them to you in paper from. Whether or not you consent to this eDisclosure Agreement, you will remain subject to the applicable terms and conditions of the First Star Bank Agreement.

First Star Bank is referred to in this Agreement as "firststarbank.com", "we", "our", "us" or "Bank," and individuals who maintain deposit accounts at the Bank are referred to in this eDisclosure Agreement as "you", "your" or "Depositor."

Effect of Entering into This eDisclosure Agreement

By entering into this eDisclosure Agreement:

• You are agreeing to receive electronically any disclosures - including those that we are required to provide you under applicable federal and state laws - where electronic delivery is permitted now or in the future. The materials and information you consent to receive electronically includes, but is not limited to, the following: Disclosures regarding your account that are required to be provided at the time of account opening;

  • Notices regarding changes to your account;

  • Amendments to any agreements and/or disclosures governing your account.

  • Disclosures that are provided to you periodically.

• You are agreeing to discontinue the receipt of paper disclosures for your deposit accounts referenced in your First Star Bank account list, for all accounts now and in the future.

Technical Requirements for Using eDisclosures

To access and retain your eDisclosures, you will need the following:

• Internet access and an Internet email account and address;

• Microsoft Internet Explorer® 4.0 or higher or Netscape Communicator® or Navigator® 4.06 or higher with 128-bit encryption;

• Adobe Acrobat Reader® 4.0 or higher;

• Access to a printer or the ability to download information in order to keep copies of your eDisclosures for your records

Delivery of eDisclosures
First Star Bank will make eDisclosures and revised eDisclosures available to you on the First Star Bank web site or by email sent to you. For certain federally mandated disclosures or revised disclosures that are made available only through the firststarbank.com web site, First Star Bank will send a notice to your email or postal address when the disclosures are posted to the web site. The notice will provide the address of the Internet web site or other location where the disclosure or revised disclosure has been made available.

How to Discontinue Electronic Delivery of eDisclosures
At any time, you may revoke your consent to electronic delivery of disclosures and instead elect to receive disclosures in paper form. To revoke your consent, send us a secure email through the firststarbank.com secure email capability, or a written letter, stating that you wish to revoke your consent to receive edisclosures and stating that you wish to receive these materials in paper form. Include your name and the applicable account number(s) in your letter. You may alert us to your request by telephone (see "How to Contact Us" below). If you revoke your consent to electronic delivery of disclosures, First Star Bank may at its option elect to terminate your access and use of the ACH Direct and eStatement services. A $20.00 monthly fee will be imposed for paper statements.

Your Responsibility to Notify Us Regarding Errors, Irregularities or Unauthorized Access
You must promptly review your eDisclosures and any accompanying items. Notify us immediately (see "How to Contact Us" below) of any suspected error, alteration or other irregularity (i) with your eDisclosures; or (ii) with your account, including unauthorized access. Telephoning us immediately is the best way to minimize your losses, although you also may need to notify us in writing to preserve your rights. For more detailed information about your rights and responsibilities in this context, refer to the Electronic Fund Transfer (Regulation E) Disclosure.

Your Responsibility to Update Your Electronic Contact Information
You must promptly notify the Bank if there is a change in your email address or in other information needed to contact you electronically (see "How to Contact Us" below).

How to Contact Us
If you need to contact the Bank in any of the circumstances described above, or for any other reason, you may contact us: if you are a firststarbank.com customer, by sending us an online secured message through the Bank's web site; or by telephone at 1-610-691-2233; or if writing by U.S. Mail to: First Star Bank, Attention: Customer Service, 418 W Broad Street, Bethlehem, PA 18018.

Fees for eDisclosures
The Bank does not currently charge fees for electronic delivery of your disclosures. We reserve the right to impose or change fees for electronic delivery and charge your deposit account for these fees at any time after providing such notice to you as may be required by law or regulation.

Amendment and Termination of the eDisclosure Agreement by First Star Bank
We may amend or change the eDisclosure Agreement at any time and will provide to you any notice or request for authorization required by law or regulation. If no notice or request for authorization is required by law or regulation, your continued acceptance of eDisclosures after the effective date of such change will constitute your acceptance of and agreement with such amendment(s).

We may terminate the eDisclosure Agreement, and immediately either refuse to provide, or revoke access to, eDisclosures at any time with or without cause, or prior notice. If we terminate your access to firststarbank.com you will no longer receive eDisclosures. Neither termination nor discontinuation of your access to firststarbank.com shall affect your liability or obligation under the eDisclosure Agreement.

Limitation of Liability
We will use our best efforts to deliver your eDisclosures in a timely manner and in accordance with any applicable time required by law. However, we shall incur no liability if we are unable to deliver your eDisclosures because of the existence of any one or more of the following circumstances: Our online banking system is not functioning properly, and you know or have been advised by us of the malfunction, or Your equipment or Internet access was not working properly, or Internet service is interrupted (e.g. due to traffic or other disruptions), or Circumstances beyond our control (including, but not limited to, fire, flood, interruption in telephone service or other communication lines, interference from an outside force, legal restriction or delays in mail service) prevent proper delivery, and we have taken reasonable precautions within our control to avoid such circumstances. You changed your email address and did not tell us. To the extent permitted by applicable law or regulation, we hereby disclaim all other warranties, express or implied, including warranties of merchantability and fitness for a particular purpose, and in no event shall we be liable for any special indirect, incidental or consequential damages whatsoever resulting from the loss or use of data, whether or not advised of the possibility of such loss or damage.

Agreement Regarding Your Use of eDisclosures
You agree not to alter or use the eDisclosures for any unauthorized, fraudulent or other illegal purpose.

Choice of Law and Forum
You agree that the edisclosure Agreement shall be interpreted in accordance with Pennsylvania Law, excluding its choice of law provisions. You further agree that all disputes arising out of or relating to the eAgreement or the provision of services by First Star Bank shall be resolved in a court of competent jurisdiction in the Commonwealth of Pennsylvania, and you hereby consent to the exclusive jurisdiction and venue of such courts.

©First Star Bank, 2005