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.

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.

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.