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Internet Banking Fees

 

Consumer Accounts

Commercial Accounts

Internet Banking

Free!!

Free!!

Bill Payment Service

TWO MONTHS FREE!!
$4.95 per month up to 20 bills. 40 cents per bill in excess of 20.

ONE MONTH FREE!!
$6.95 per month up to 20 bills. 60 cents per bill in excess of 20.

Corporate Cash Management Service

Not Available

Coming Soon!

 

ONLINE BANKING AGREEMENT AND DISCLOSURE STATEMENT


South Louisiana Bank
P.O. Box 1718
Houma, LA 70361-1718
Telephone – 985.851.3434
Fax – 985.879.3095

By signing an application and enrollment form (the "Application") to subscribe to certain personal computer banking and related services offered by South Louisiana Bank as described in this Service Agreement and Disclosure Statement (this "Agreement") and as otherwise made available by South Louisiana Bank from time to time (collectively, "Internet Banking Service" or "Service"), or by your initial access to South Louisiana Bank's Internet Banking Service, and in consideration of our allowing you access to the Service, you agree to the terms and conditions of this Agreement. Each reference in this Agreement to the "Bank", "South Louisiana Bank", "we", "us", or "our" refers to South Louisiana Bank, a Louisiana banking corporation, and each reference to "you" and "your" refers to each depositor, borrower, authorized signer, or authorized user for an account (as defined below) who is now or hereafter enrolled in any one or more of our Internet Banking Services with respect to the account. Each time you use the Service constitutes confirmation by you of your agreement to and understanding of the terms of this Agreement and any screens that appear on your computer when you sign on to our Web Site. This Agreement will be effective as of the date of our acceptance as evidenced by our issuance of a User ID and PASSWORD to you as provided in Section 4. Please read this Agreement carefully and keep it for future reference.
 
BROWSER SECURITY. Our Internet Banking Service transmits data Using SSL (Secure Socket Layer)
technology that supports 128-bit key encryption. It is important to verify that a secure connection
between your browser and the Internet Banking server has been established before transmitting any
confidential account information over the Internet. An indicator on your web browser can verify this.
Netscape Navigator has a key symbol that appears in the lower left corner of the screen. When the symbol
appears "solid" transmitted data is being encrypted. When this symbol appears "broken", a secure session
has not been established. Similarly, Microsoft Internet Explorer has a lock symbol that appears when data
is being encrypted. When this symbol does not appear, a session is not secure.
 
HOST SECURITY. South Louisiana Bank’s web server does not connect directly to the Internet. It is
buffered from the Internet through the use of an ICSA certified firewall. All access from outside the bank
must go through this firewall, which screens the requests and allows only valid traffic to reach the server.
 
LINKS. Links to non-South Louisiana Bank web sites contained in this site are offered only as pointers to
sources of information on subjects that may be of interest to users of our web site. South Louisiana Bank
is not responsible for the content of such sites, as we have no control over the information displayed.
Additionally, the Bank does not guarantee the authenticity of documents at such sites, and links to non-
South Louisiana Bank sites do not imply any endorsement of or responsibility for the ideas, opinions,
information, products, or services offered at such sites. Use of links to any non-South Louisiana Bank site
is solely at the user's own risk.
 

1. Hardware and Software Requirements. You will be able to access our Internet Banking Service
through our Web Site and the Internet Banking Software (the "Software") hosted by our Internet
Banking Service Provider (the "Service Provider"). The Service Provider will act as an interface
between you and the Bank. To be able to use our Internet Banking Service, you must have access to
the Internet through your personal computer or similar device. Please note that your internet
browser software must be a 128-bit encryption version (see “Browser Security” above). You are and
will remain solely responsible for the purchase, hook-up, installation, loading, operation and
maintenance of the Hardware, telephone service, and the Internet access service to your PC, and for
all related costs.

2. Financial Software and Virus Protection. South Louisiana Bank is not responsible for any
electronic virus or viruses that you may encounter while using the internet. Additionally, we make no
warranty regarding your financial software or it’s compatibility with our internet banking system.

3. The Accounts and Services. You agree to use our Internet Banking Service solely for the services
described in this Agreement and designated by you in the Application or subsequently designated by
you as provided in Section 6, and solely in connection with each deposit account (collectively, the
"Deposit Accounts") and each loan account (collectively, the "Loan Accounts") held by the Bank and
designated by you in the Application or subsequently designated by you (collectively, the "Accounts"),
except as otherwise expressly permitted by us from time to time. You may add or delete any account
for which you are depositor, borrower, authorized signer, or authorized user, and you may add or
delete Internet Banking Services selected by submitting a Change Request on our "Internet Banking
Application and Enrollment Form".

4. PASSWORD. Confidentiality of PASSWORD. All Internet Banking Service transactions or inquiries
must be initiated by use of your User ID and Password (the "PASSWORD"). We will assign you a User
ID and PASSWORD after we have accepted your Application. UPON YOUR RECEIPT OF YOUR USER ID
AND INITIAL PASSWORD, YOU HEREBY AGREE TO CHANGE YOUR PASSWORD TO A CONFIDENTIAL
ONE OF YOUR CHOOSING. To change your PASSWORD, select the "edit preferences" button, and then
the "change password" button, then enter and submit the required information. You may change your
PASSWORD from time to time following this procedure. It is recommended that you do not use your
social security number, birthdays, names, or other codes that may be easy for others to determine as
your PASSWORD. No Bank employee will ever ask for your PASSWORD, nor should you provide it to
anyone unless you intend to allow that person access to your Accounts. YOU AGREE TO KEEP YOUR
PASSWORD CONFIDENTIAL. USE OF THE PASSWORD BY YOU OR BY ANY OTHER PERSON WITH YOUR
AUTHORIZATION WILL BE CONSIDERED THE SAME AS YOUR WRITTEN SIGNATURE AUTHORIZING US
TO COMPLETE ANY TRANSACTION OR REQUEST COMMUNICATED THROUGH OUR INTERNET BANKING
SERVICE. You agree that any Internet Banking Service transaction or request initiated by use of the
PASSWORD will be subject to and governed by this Agreement. If you authorize another person to use your PASSWORD, that person can use the Internet Banking Service to view any information or initiate any transaction on any of the Accounts to the same extent as you, including viewing information or initiating transactions on Accounts to which that person does not otherwise have access. As such, your sharing of your PASSWORD is strongly discouraged by the Bank, and done at your sole risk and peril. If a third party should gain access to your PASSWORD, you alone are responsible for changing the PASSWORD so as to deny the third party's access to your banking information. Given the electronic nature of these transactions, the Bank shall have no liability to you in the event a third party should gain access to your PASSWORD through no fault of the Bank. You should always exit the Internet Banking Service completely after you finish viewing your Accounts or conducting other transactions. To completely exit the Software, you must select the "exit" button and then the "Log Out" button, which will bring you back to the home page of our Web Site. Failure to
“Log Out” would allow anyone who has access to your unattended terminal, to conduct transactions or
view your accounts without ever needing to use your ID or PASSWORD.

5. Business Days. Business days for the Bank and for our Internet Banking Service are Monday
through Friday, excluding holidays. You may access the Accounts through our Internet Banking
Service 24 hours a day, seven days a week, except that South Louisiana Bank and its Service
Provider may perform regular maintenance on systems and equipment, which may result in errors or
interrupted service. We may also find it necessary to occasionally change the scope of our services.
South Louisiana Bank cannot guarantee that we will be able to provide notice of such interruptions
and changes, although we will attempt to provide such notice when warranted.

6. Internet Banking Service. You may use our Internet Banking Service to perform any of the
following services on your Accounts, as designated by you in the Application or subsequently added
by you:

a.       To transfer funds between any Deposit Accounts, such as checking, savings or money market deposit accounts;

b.       To receive and download balance and transaction information for your Accounts;

c.       To pay bills electronically from a Deposit Account that is a checking account with unlimited check-writing privileges and;

d.       To request Stop Payments on checks.

Subject to all other terms disclosed in this Agreement and in the Software, and subject to certain
exceptions provided for therein, the following daily cut-off times shall apply for transactions to be
processed on the same business day
 
Type of Transaction Cut-Off Time
Transfers between Deposit Accounts 6:30 PM CST
Bill Payments 12:00 PM CST
Stop Payments 6:30 PM CST
 

These services are available as described in this Agreement and provided for in the Software. As used
in this Agreement, the term "electronic fund transfer" has the meaning provided for that term in
Regulation E and includes, without limitation, a bank transfer or bill payment (other than a bill
payment made by check or other paper item), as these terms are defined below.

7. Transfers to and from Accounts.

a.       Deposit Accounts. You may use our Internet Banking Service to initiate electronic fund
transfers from one Deposit Account that is a checking, savings or money market deposit
account to any other Deposit Account that is a checking, savings or money market deposit
account, as provided in this Agreement. These types of transactions are referred to in this
Agreement as "bank transfers".

b.       Authorization. You expressly authorize us to debit the appropriate Deposit Account in the
amount of any bank transfer initiated through our Internet Banking Service by you or by any
other person who is authorized to use your PASSWORD. You agree that we may treat any
such bank transfer from a Deposit Account the same as a duly executed written withdrawal,
transfer, or check and that we may treat any such bank transfer to a Deposit Account the
same as a deposit, all in accordance with the terms of this Agreement and your deposit
agreement(s) with us.

c.       Limitations. Your ability to initiate bank transfers between Deposit Accounts may be limited
by federal law or by the terms of your deposit agreement with us. Bank transfers from
Deposit Accounts that are savings or money market deposit accounts are limited as required
by federal regulation. You agree that we may, without notice or other obligation to you,
refuse to make any bank transfer for security reasons or as otherwise expressly provided in
this Agreement or your deposit agreement with us. You cannot post-date bank transfers or
schedule bank transfers for future dates.

d.       Time of bank transfers; posting; funds availability. Generally, if you initiate a bank
transfer of available funds between Deposit Accounts on or before 6:30 p.m. Central
Standard Time ("C.S.T.”) on a business day, the bank transfer will be posted on the same
business day. Bank transfers initiated after 6:30 p.m. C.S.T. on a business day or on weekends and holidays will be posted on the next business day. Transferred funds will be available for withdrawal on the same business day that the bank transfer is posted by the Bank.

8. Account Information. You may use our Internet Banking Service to receive, download, store and
print information that is routinely set forth in the statements for the Account, such as debits and credits made to the Account, amounts and item numbers for items drawn on the Account, and Account balances. All account information provided via our Internet Banking Service will be subject to further adjustment and correction.  Because the information made available to you is "raw data" and subject to change, we cannot assure you of the accuracy or completeness of the information and expressly disclaim the same. You will still receive your usual periodic statement of account ("Bank Statement") for each checking, savings, and money market deposit account maintained with the Bank. Your Bank Statement remains the bank's official record of your account balances and activity.

9. Bill Payment Service.  (Please refer to the Terms and Conditions of the Bill Payment Service during enrollment for additional information.)

a.       Payment Accounts. If you have enrolled in the optional bill payment service, you may use
our Internet Banking Service to initiate payments from any Deposit Account that is a
checking account with unlimited check-writing privileges (a "Payment Account") to pay
obligations owed to certain third parties in the United States (the "Payees"). These types of
transactions are referred to in this Agreement as "bill payments".

b.       Payee Information. You may set up and maintain Payee information on the Internet
Banking Software and initiate payments to them at your discretion. Once added, your Payees will remain on the Software to facilitate future bill payments. You may edit or delete Payees as needed. You must initiate each individual or recurring bill payment.  It is critical that accurate Account Number information be entered for each Payee that you add.   You may enter your name in the Account Number Field in addition to your Account Number for that Payee. If you do not have an account number with a particular Payee, you should enter your name in the account number field so that the Payee will know that the payment was made on your behalf.

c.       Payment method. Payments to Select Merchants are made electronically through the
Automated Clearing House system. Payments to all other vendors are made by check mailed
to the address input by you into the system. It is critical that you enter accurate Name and
Address information.

d.       Authorization. You agree that we may treat any bill payment that was initiated though our
Internet Banking Service by you or by any other person who is authorized to use your
PASSWORD the same as your duly executed written payment order or check, all in
accordance with the terms of this Agreement and your deposit agreement with us.

e.       Time of bill payments. Transactions begin processing four (4) Business Days prior to your Scheduled Payment Date. Therefore, the application will not permit you to select a Scheduled payment Date less than four (4) Business Days from the current date. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates should be prior to any late date or grace period. Please refer to the terms and conditions of the Bill Payment Service for the service guarantee and other important information.

f.        Returned or rejected bill payments. If a bill payment is returned or rejected, whether by
the Bank, the Service Provider or any third party (including, without limitation, an
intermediary bank or the Payee's bank), then we will notify you and you will be solely
responsible for re-initiating the bill payment. You agree to furnish to the Bank such
information as it may request to resolve any error or inquiry arising out of your initiation of
any bill payment.

g.       Cancellation or stop payment of bill payments; revocation of authorization. Your bill
payment instructions are temporarily stored by the Software and then transferred to the Bank on the Delivery Date for processing. The payments that are temporarily stored by the Software are considered to be in pending status ("Pending Status"). You may change or cancel bill payments online without an additional charge as long as the payment is still in Pending Status by following the instructions in the Software. To request a stop payment on a bill payment that is no longer in Pending Status, you may contact our Internet Banking Department at 985.851.3434. If you call, we will also require you to put your request in writing and deliver it to us no later than four (4) days after you call. We will charge you the fee set forth in our current Rate and Fee Schedule (the "Fee Schedule") for each stop payment order you give. Except as expressly otherwise provided in this Section, stop payment orders will be subject to the applicable provisions of our Deposit Account Agreement and Disclosure (the "Rules and Regulations"). You may not stop payment on any type of online transfer other than a bill payment.

10. Stop Payments on Checks. You may request us to stop payment on checks drawn on your Deposit
Accounts by following the instructions in the Software. Stop payment requests submitted through the
Internet Banking Service must be initiated by 6:30 p.m. on a business day in order to be processed
by us on the same business day. Otherwise, the stop payment request will be processed on the
following business day. You agree that stop payment requests entered through the Service will only
be effective if we receive them at such time as to afford us a reasonable opportunity to act upon the
order, and the item to which the request pertains has not already been presented for payment against
your account. A written or internet banking initiated stop payment order is effective for six (6) months only, and will expire automatically at that time unless specifically renewed by you in writing. We will charge you the fee set forth in our current Fee Schedule for each stop payment order you give. Stop payment requests submitted through our Internet Banking Service are subject to the applicable provisions of our Rules and Regulations governing Deposit Accounts.

11. Additional Service. We may, from time to time, make additional services available through our
Internet Banking Service. Our notification may be in the form of information posted on our Web Site.
We will notify you of the availability and terms of these new services. By using these additional
services when they become available, you agree to be bound by this Agreement and any additional
instructions, procedures and terms provided to you with respect to each of these new services.

12. Fees and Charges. Please refer to the Internet Banking Fee Schedule located at the bottom of the
“Application/Enrollment Form” for applicable charges. Upon your enrollment to our Internet Banking Service, you will be charged the applicable monthly fees whether or not you use the Services you elected. Fees are subject to change. You will not be charged for each and every individual view of your accounts, transfer of funds, or payment of bills. When changes are made to any fees, charges, or other material terms, we will notify you at least (30) days in advance of the effective date. If you enroll in the Bill Payment service, you agree to pay these fees, and you authorize us to automatically debit your Checking Account. Applicable fees are non-refundable charges for the preceding calendar month. These charges will not be prorated for portions of a month and may be changed pursuant to this Agreement.

13. Adjustments to your account(s). We agree to correct any error made in crediting or debiting any
Account by making the appropriate adjustment to the applicable Account. You agree to repay promptly any amount credited to your account in error, and you authorize us to initiate a debit transfer from any of your Accounts to obtain payment of any erroneous credit.

14. Account Reconciliation. The Deposit Account statements or other notices provided to you by us will
notify you of (a) the execution of bank transfers or bill payments and the debits and/or credits to the Deposit Accounts made with respect to such bank transfers and bill payments, and (b) amounts debited by the Bank from your Accounts for payment of the services or other charges pursuant to this Agreement. You agree that we will not be required to provide any other notice to you of the execution of bank transfers, bill payments, or debits. You agree to promptly examine each statement for a Deposit Account and to promptly report any discrepancies between your records and the Deposit Account statements or any other notices mailed by the Bank to you.

15. Settlement of Obligations. To the fullest extent permitted by applicable law, you authorize us to
obtain payment of your obligations to us under this Agreement from time to time by (a) initiating debits to any of the Accounts or (b) deducting the payment from the amount of any bank transfer or bill payment. Such obligations include, without limitation; fees owed to us and settlement for bank transfers or bill payments initiated through our Internet Banking Service. At the time any account is closed (whether by you, by us, or otherwise) or any Internet Banking Service is terminated (whether by you, by us, or otherwise), you agree that all such obligations will be immediately due and payable to us, and you authorize us to withhold the amount of any such obligations from any Account. Debiting an Account or deducting payment from the amount of any bank transfer or bill payment is not the Bank's exclusive remedy under this or any other section of this Agreement, and the Bank will not be deemed to have made an election of remedies by making any such debit or deduction on any one or more occasions.

16. Bank's Liability for Failure to Make or Stop Certain Electronic Fund Transfers. If we do not
complete an electronic fund transfer to or from a Deposit Account in a reasonable amount of time or
in the correct amount according to our agreement with you, we will only be liable for your direct
losses or actual damages, except in the following instances:

a.       If, through no fault of ours, you do not have enough money in the Deposit Account (or any
linked account or overdraft protection line of credit) to make the transfer.

b.       If you have not completely and properly followed the terms of this Agreement or instructions
provided by the Software regarding how to make the transfer.

c.       If any data or instruction transmitted via our Internet Banking Service are inaccurate or
incomplete.

d.       If you do not initiate the transfer according to the time limits set forth in this Agreement.

e.       If the transfer has been made from the Deposit Account to a third party, including, without
limitation, any third party through which payment is made and any Payee or its financial
institution.

f.        If the Hardware, the Software, the Service Provider, or any part of our Internet Banking
Service system, including the bill payment service, was not working properly and you knew
about the breakdown when you started your electronic fund transfer.

g.       If circumstances beyond our control, such as a natural disaster, failure, delay, or error on the
part of any third-party service provider (including, without limitation, the Service Provider,
the United States Postal Service or any other delivery service), power outage, difficulty with
telephone or cable lines or satellite communications, difficulty with any Hardware, the
Software, or the Service Provider, computer virus or related problem, or cessation of the
operation of the Service Provider or the arrangement between the Bank and the Service
Provider, prevent or delay the electronic fund transfer, despite reasonable precautions that
we have taken.

h.       If your funds are being held or frozen or are subject to legal proceedings.

i.         If the funds in the Deposit Account are unavailable (funds are only conditionally credited until
they become available for withdrawal).

j.        If your PASSWORD has been reported lost or stolen or if we have any other reason to believe
that the transfer may be erroneous or unauthorized.

k.       If you, any joint holder, or an authorized cosigner on a Deposit Account has requested that
we stop payment of the transfer.

l.         If you have exceeded the limitations on the number of withdrawals or transfers allowed
during the statement period for the type of Deposit Account you have with us (e.g., certain
types of savings and money market deposit accounts).

m.     If the Deposit Account has been closed.

n.       If we do not receive the necessary transfer information from you or any third party, or if
such information is incomplete or erroneous when received by us.

o.       There may be other exceptions stated in this or any other applicable agreement that we may
have with you.


17. Limits on Bank's Liability. Our liability for electronic fund transfers made to or from Deposit Accounts is also governed by Sections 16 and 18 of this Agreement. If any provision herein is inconsistent with any provision of Section 16 or Section 18 or any provision of applicable law that cannot be varied or waived by agreement, the provisions of those Sections or applicable law shall control. To the fullest extent permitted by applicable law, you agree that we will have no liability whatsoever for any loss, damage, or claim arising out of any delay or failure in the performance of any South Louisiana Bank Internet Banking Service in accordance with the terms of this Agreement, including but not limited to, that resulting from our negligence. Our duties and responsibilities to you are strictly limited to those described in this Agreement, except with respect to any provisions of the law applying to electronic fund transfers that cannot be varied or waived by agreement. In no event will the Bank be liable for any consequential, special, or punitive damages or for any indirect loss that you may incur or suffer in connection with the service (even if the Bank has been informed of the possibility of such damages), including, without limitation, attorneys fees. The Service Provider is an
independent contractor and not the Bank's agent. The Bank's sole duty shall be to exercise reasonable care in the initial selection of the Service Provider. YOU ACKNOWLEDGE THAT NO EXPRESS OR IMPLIED WARRANTY, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS OR A PARTICULAR PURPOSE, IS MADE BY THE BANK WITH RESPECT TO ANY SOUTH LOUISIANA BANK INTERNET BANKING SERVICE OR THE SOFTWARE, AND THE BANK HEREBY DISCLAIMS ALL SUCH WARRANTIES. The only warranties are those provided by the licensor of the Software and set forth on the Software package. To the fullest extent permitted by applicable law, and without limiting the generality of the foregoing, the Bank shall not be liable at any time to you or any other person for any loss, charge, fee, penalty, expense or other damage resulting from any failure or delay of the performance of the bank's responsibilities under this Agreement which is caused or occasioned by any act or thing beyond the Bank's reasonable control, including, without limitation, legal restraint, interruption of transmission or communication facilities, equipment failure, electrical or computer failure, war, emergency conditions, natural disasters, fire, storm, or other catastrophe, or inability to obtain or delay in obtaining wire services or Internet access, or refusal or
delay by the Service Provider or another bank or financial institution to execute any bank transfer or bill payment. In addition, the Bank shall be excused from any failure or delay in executing a bank transfer or bill payment, if such execution would result in the violation of any applicable state or federal law, rule, regulation or guideline. To the fullest extent permitted by applicable law, you agree that the Bank shall not have any liability whatsoever for any loss caused by the act, error, or omission of you or any other person, including, without limitation, the Service provider, any Internet access service provider, any Federal Reserve Bank or transmission or communications facility or any intermediary or receiving financial institution, and no such person shall be deemed the Bank's agent.

18. Errors or Questions. In Case of Errors or Questions About Your Electronic Transfers.
Telephone us at 985.851.3434, or write us at 1362 West Tunnel Blvd., Houma Louisiana 70361
as soon as you can, if you think your statement or receipt is wrong or if you need more information
about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60)
days after we sent the FIRST statement on which the problem or error appeared.

* Tell us your name and account number
* Describe the error or the 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.
* Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten
(10) business days. We will determine whether an error occurred within 10 business days after we
hear from you and will correct any error promptly. If we need more time, however, we may take up
to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit
your account within ten (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 within ten (10) business days, we may
not credit your account. 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. You
may ask for copies of the documents that we used in our investigation. 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 applicable time periods for action shall be twenty (20) business days in place of ten (10)
business days. If a notice of error involves an electronic fund transfer that was initiated in a foreign
country, occurred within thirty (30) days after the first deposit to the account, or is a point of sale
debit card transaction, the applicable time period for action shall be ninety (90) calendar days in place
of forty five (45) calendar days.

19. Your Liability for Unauthorized or Erroneous Transfers. To the fullest extent permitted by
applicable law, you agree to be responsible for all unauthorized or erroneous transactions initiated
through our Internet Banking Service. You have the obligation to immediately notify the Bank if your
PASSWORD has been lost or stolen, or if someone has transferred funds from your account through
our Internet Banking Service without your permission (or is contemplating do so). The following
provisions of this Section apply only to your liability for unauthorized electronic fund transfers. An
"unauthorized electronic fund transfer" means an electronic fund transfer from a Deposit Account that
is initiated by another person without your authority to initiate the electronic fund transfer(s) and
from which you receive no benefit. The term does not include any South Louisiana Bank Internet
Banking Service electronic fund transfer that is initiated by a person to whom you furnished your
PASSWORD, unless you have notified us that electronic fund transfers by that person are no longer
authorized and we have had reasonable opportunity to act on that notification. We may require that
the notice be in writing. You could lose all the money in your Deposit Account, some or all of the
money in any linked account, or up to your maximum overdraft line of credit (if applicable), if you fail
or refuse to immediately advise the Bank of the unauthorized use of your PASSWORD. If your
statement shows electronic fund transfers that you did not make, tell us at once. To the extent a
transaction is an electronic funds transfer, if you tell us within two (2) business days after you learn
of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used
your PASSWORD or made a transaction without your authorization. If you do not tell us within two
(2) business days after you learn of the loss, theft, or unauthorized transaction; and we can prove
we could have stopped someone from using your PASSWORD or the Service without your
authorization if you had told us, you could lose as much as $500.00. If you do not tell us within sixty
(60) calendar days after we mailed to you the FIRST statement on which the problem or error
appeared, you shall not be entitled to assert a claim against the Bank, nor be entitled to any damages
from the Bank, as to said unauthorized transfers. This sixty (60) day limitation is without regard as to
the standard of care exercised by the Bank.
 

If you believe your PASSWORD has been lost or
stolen or that someone has transferred or may transfer money from a Deposit Account
without your permission, call: 985.851.3434
Or write:

South Louisiana Bank
Attn: Operations Department
P.O. Box 1718
Houma, LA 70361-1718

 

You agree to take any reasonable actions requested by us to prevent unauthorized transactions to
your account. To the extent that your account is a business account, then the limitations on your
liability set forth above are not applicable. Notwithstanding anything to the contrary in this
Agreement, you will be liable for any unauthorized use of the Service in these instances unless
otherwise provided by applicable law or written agreement with us.

20. Rejection of Payment Orders; Overdrafts. You acknowledge that the Bank or the Service Provider
may from time to time, in its sole discretion, reject any bank transfer or bill payment request (any
"payment order") or return any bank transfer or bill payment (a) if there are insufficient or
unavailable funds in the Deposit Account or the Deposit Account has been closed or is frozen, (b) if
the payment order does not conform to the terms of this Agreement or the Software, or (c) if the
payment order appears to be a duplicate, but neither the Bank nor the Service Provider is under any
obligation to recognize that a payment is a duplicate and you should not rely on the Bank or the
Service Provider to do so. If a payment order is rejected or a bank transfer or bill payment is
returned, either the Bank or the Service Provider will notify you and you will have the sole obligation
to remake the payment order in accordance with the terms of this Agreement and the Software. The
Bank or the Service Provider may from time to time, in its sole discretion and without any obligation
to do so, execute any payment order or make any bank transfer or bill payment even though an
overdraft to the account results. To the extent permitted by applicable law, you agree that neither the
Bank nor the Service Provider will have any liability whatsoever for refusing to accept any payment
order or rejecting or returning any bank transfer or bill payment. If an overdraft occurs in a Deposit
Account, you agree to cause sufficient available funds to pay the amount of the overdraft to be
deposited into or credited to the Deposit Account before the end of that business day. Any overdraft
existing at the close of a business day is immediately due and payable without notice or demand.

21. Disclosure of Deposit Account Information to Third Parties. You agree that we may from time
to time, under the following circumstances, disclose to third parties information about your Deposit
Account or the transactions that you make through our Internet Banking Service:

a.       Where it is necessary for completing bank transfers or bill payments or providing any other
service in connection with our Internet Banking Service; or

b.       In order to verify the existence and condition of your Deposit Account for a third party, such
as a credit bureau or merchant; or

c.       In order to comply with government agency or court orders; or

d.       If you give us your written permission.


22. Other Agreements; Severability; Governing Law. The terms and conditions of this Agreement are
cumulative with and in addition to any terms of the signature cards or account agreements for your
Deposit Account(s), the applicable account disclosures, the Fee Schedule, the Schedule of Funds
Availability, the Bank's Electronic Fund Transfer Agreement and Disclosure Statement, the
agreements governing the Loan Accounts, and the Application, all as may be amended from time to
time. In the event of any conflict between this Agreement and the content of the Software or any
related materials regarding the Bank's obligations to you, the terms of this Agreement will control. If
any provision of this Agreement is unlawful or unenforceable, each such provision or writing will be
without force and effect without thereby affecting any other provision hereof. No consumer protection
provision of the federal Electronic Fund Transfer Act or Federal Reserve Board Regulation E is
intended to be waived by you under this Agreement unless the waiver is permitted by law. The parties
agree to be bound by the operating rules and guidelines of the National Automated Clearing House
Association and the applicable local automated clearing house association as in effect from time to
time with respect to all automated clearing house transfers made hereunder. This Agreement will be
governed by the substantive laws of the United States, applicable federal regulations, and to the
extent not inconsistent therewith, the laws of the State of Louisiana.

23. Amendments. We may amend this Agreement from time to time. Each amendment will be effected
by our mailing or otherwise delivering the amendment, revised agreement and/or notice thereof to
you in accordance with applicable federal and state laws. If no federal or state law specifically governs
the amendment, the amendment shall be effected by mailing or otherwise delivering it to you or
posting it on our Web Site or in our full-service branch offices at least ten (10) calendar days prior to
the effective date of the amendment. Notwithstanding the foregoing and to the extent permitted by
applicable law, we may change any term of this Agreement without prior notice or obligation to you:
(a) if the Software or the Service Provider changes any term without providing us sufficient notice to
enable us to properly notify you; (b) for security reasons; (c) to comply with applicable law; or (d) as
otherwise expressly provided in this Agreement.

24. Termination. You agree that we may cancel or restrict your use of our Internet Banking Service or
any component thereof at any time upon such notice (including e-mail) as is reasonable under the
circumstances. You may cancel our Internet Banking Service or any component thereof by written
request to the Bank at any time. If you cancel the bill payment service, all unprocessed payment
requests (Those that have been delivered to the Bank and those still in Pending Status) will be
processed by the bank in accordance with this Agreement, unless we are specifically requested by you
to stop payment on any such items in accordance with this Agreement.

25. Assignment. You may not assign all or any part of your rights or obligations under this Agreement
without our prior express consent, which may be withheld in our sole discretion. We may assign or
delegate all or any part of our rights or obligations under this Agreement, including, without
limitation, the performance of the services described herein. This Agreement will be binding on and
inure to the benefit of the successors and assigns of either party.

26. No Third-Party Beneficiaries. This Agreement is for the benefit of you and the Bank and is not
intended to grant, and shall not be construed as granting, any rights to or otherwise benefiting any
other person, except as expressly otherwise provided in this Agreement.

27. Choice of Forum and Jury Trial Waiver. In the event any litigation is instituted to enforce or
interpret the terms of this Agreement, you agree that the exclusive forum therefore shall be the 32nd
Judicial District Court of Terrebonne Parish, Louisiana. In the event that the Bank is the prevailing
party, the Bank shall be entitled to reimbursement for all reasonable attorneys' fees and costs
incurred including, but not limited to, those incurred incident to any appeal. YOU AND THE BANK
HEREBY WAIVE THE RIGHT TO TRIAL BY JURY OF ALL DISPUTES, CONTROVERSIES AND CLAIMS BY,
BETWEEN OR AGAINST EITHER YOU OR THE BANK, WHETHER THE DISPUTE, CONTROVERSY OR
CLAIM IS SUBMITTED TO ARBITRATION OR IS DECIDED BY A COURT.

28. Ownership of Materials. The content and information on our Web Site is the property of South
Louisiana Bank. It should not be duplicated or copied by any means.