The Evangeline Bank - Internet Banking Disclosure

FEDERAL ELECTRONIC FUND TRANSFER ACT DISCLOSURES

IMPORTANT INFORMATION for our customers who have authorized electronic fund transfers:

The Federal Electronic Fund Transfer Act and regulations adopted there under provide that we disclose pertinent information to you about electronic fund transfers to or from your account. By electronic fund transfers, we mean transactions initiated by you through the use of your ATM (automated teller machine) card, preauthorized deposits to and/or preauthorized transfers, Visa Check Cards, Internet Banking Access, and 24-hour telephone banking system transfers from your account. This bank also accommodates E-Check conversion transfers. Both ATM Cards and Visa Check Cards are available to individuals who have been customers of the bank for a minimum of 3 months and maintained a continuous average balance of $300.00 per month. The maximum daily withdrawal for Visa Check Cards is $200.00. ATM and Visa Check Cards are subject to cancellation if account balance becomes classed as Insufficient Funds.

TYPES OF TRANSFERS AVAILABLE

Automated Teller Machine Transfers
Direct Deposits or Withdrawals
All ATM Card Transfers or Balance Inquiries
E-Check Conversion
Telephone Banking System-(24 hour banking)
Visa Check Card
Internet Banking

AUTOMATED TELLER MACHINES (ATM's), ATM CARDS, VISA CHECK CARDS, AND INTERNET PERSONAL IDENTIFICATION NUMBER (PIN)

ATM'S AND ATM CARDS

ACCESSING YOUR ACCOUNT - For any authorized account, you may use your card to:
1. Withdraw a maximum cash amount of $200.00 from your checking or savings account if card is used at ATM Machine
2. A maximum of $200 per day if card is used to make purchases
3. Make checking or savings account inquiries.
4. Make checking or savings account transfers.
*While you will not be charged to use your ATM card at one of this Bank�s location, you will be charged at another banks location

VISA CHECK CARDS

ACCESSING YOUR ACCOUNT- For any authorized account, you may use your card to:
1. Withdraw up to $200.00 per day for cash advances.
2. Withdraw cash up to $300.00 per day if using this card at an ATM machine.
3. Point of Sale purchases up to $500.00 per day OR up to 10 purchases totaling $500.00 per day.
4. Make checking or savings account inquiries
5. Make checking or savings account transfers
*NO non- 'USA', non-pinned transactions will be allowed.

Foreign Currency Conversion Rate Change
Effective April 2, 2005, the rate used to convert Visa debit card transactions from foreign currency to U.S. dollars changes.

Currency Conversion: A charge, when using your Visa Debit card at a merchant dealing in foreign currency, will be assessed to convert that transaction amount into the U.S. dollar amount. The rate used to convert that transaction amount into U.S. dollars is either:
- a rate selected by Visa from a range of rates available in wholesale currency markets for the relevant central processing date. This rate may vary from the rate received by Visa; or
- the rate, which is government-mandated, in effect for the relevant central processing date;
- with each occurrence, plus 1%.
On the actual date of the transaction or the date of posting of the transaction, the rate for conversion in effect may differ from the rate on the processing date.

Whether there is a conversion of currency associated with the transaction, all international transactions will be assessed a 1% adjustment.

INTERNET BANKING
You must have completed the Internet Banking application prior to performing your first online requested transaction

ACCESSING YOUR ACCOUNT- For any authorized account, you may use your PIN and Password to:
1. Make checking, savings and loan account inquiries
2. View and print checking, saving, and loan account balances.
3. View and print a summary of transactions for each account
4. Make checking and savings account transfer *requests.
5. Confirm deposits, withdrawals and cleared checks
6. Make draw loan transfer * requests
7. Make checking and savings account transfer *requests for loan payments.
8. Download transactions to electronic spreadsheet programs.
9. Receive messages from this institution
E-CHECK CONVERSION

An E-Check conversion transfer occurs when the consumer authorizes the use of the check to capture information for initiating an electronic debit for the consumers account. We have no fees associated with this conversion.

*Our main computer system is not connected to the Internet, therefore your requests will be transacted manually. If the request is received on a business day by 2:30 p.m. , the transaction will occur on the business day of the request. After that time, the request will occur on the business day following the request. For requests made involving transfers for loan accounts, the request will be backdated. For requests involving checking or savings accounts the request will not be backdated.
LIMITATIONS
1. This bank is not an Internet service provider.
2. Limitations on the frequency of withdrawals are based on the type of account accommodating the withdrawal.
CHARGES FOR TRANSFERS OR RIGHT TO MAKE TRANSFERS
1. Per transfer charge. You will not be charged for accessing our ATM, using your ATM card or Visa Check Card, however, we will charge you $1.50 for each withdrawal, transfer or inquiry you make using ATM machines owned by other banks.
2. If you use an ATM that is not operated by this bank, you may be charged a fee by the operator of the machine and /or by any national, regional, or local automated transfer network to complete the transaction.
3. You may be charged for transfers if number of transfers per statement period exceeds limitations on accounts such as Super-Now, Money Market, and/or Passbook Savings Accounts.
4. Internet online banking is provided to The Evangeline Bank and Trust Company customers at no charge.
RECEIPT FOR TRANSACTION

You will receive a written receipt at the time you make any withdrawal or transfer to or from your account using one of our automated teller machines. If a transaction is conducted using Internet online banking, and you wish to receive a receipt, you must call the main bank on the day following the transaction and request that the receipt be sent to you.
CUSTOMER LIABILITY

Tell us AT ONCE if you believe your Visa Debit Card, Visa Credit Card, ATM Cards or Personal Identification Number (PIN) has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You may be required to follow-up the initial telephone notification in writing. You could lose all the money in your account.
1. ATM or Personal Identification Number (PIN)
  Notification in Timely Manner:
  If you tell us within 2 business days after learning of the loss or theft of an access device, you will be responsible for the actual loss or $50 which ever is less.
  Notification is NOT in Timely Manner:
  If you DO NOT tell us within two (2) business days after learning of the loss or theft of your access device, you will be responsible for up to $50 of the charges incurred within those business days AND up to a maximum of $500 of the unauthorized activity that occurred after the 2 business days after discovering the loss or stolen device and prior to notifying the bank.
2. Statement Shows Unauthorized Transfers:
  If you noticed the unauthorized charges on your statement, but did not realize that your card or PIN was lost or stolen, notify us within 60 days after the statement is mailed to you. If you fail to notify us within 60 days, your liability could be unlimited
3. VISA Debit/VISA Credit Cards
4. Lost or Stolen Visa Debit Card/ATM Card/ or PIN Numbers
HOW TO CONTACT US

If you believe that any of your Visa Credit cards and/or PIN has been lost or stolen or that a transaction involving your account has been made without your permission, call 1-800-887-9622 immediately or contact your local branch bank numbers listed at close of document.
If, for any reason you wish to contact us, telephone us at the phone number given or write us at the address given at the close of this document.

ELECTRONIC FUNDS TRANSFERS BY PREAUTHORIZATION

DOCUMENTATION OF TRANSFERS

If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at the phone number listed to find out whether or not the deposit has been made. If you have a passbook account you may bring your passbook to us and we will record any electronic transactions that were made on your account since the last time you brought in your passbook.
RIGHT TO STOP-PAYMENT

If you have authorized debits against your account, you have the right to revoke authority. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how: Call us at the phone number listed or write us at the address listed, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. We require that a stop payment order and ACH affidavit be signed by you in order to stop an electronic payment. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. We will charge you $15.00 for each stop-payment order.
NOTICE OF TRANSFERS VARYING IN AMOUNT

If the preauthorized regular transfers from your account may vary in amount, the person you are going to pay should tell you, 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. If your statement shows unauthorized transfers from you account, tell us at once. If you do not tell us within 60 days after we sent you the FIRST statement upon which the problem appeared, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
HOW TO CONTACT US

If you believe that a transaction involving your account has been made without your permission, or if for any reason you wish to contact us, telephone us at the phone number listed, write or e-mail us at the address listed for this institution.

DISCLOSURES WHICH APPLY TO ALL ELECTRONIC FUND TRANSFERS

PERIODIC STATEMENTS

For an account to or from which electronic fund transfers can be made, you will receive a periodic statement for each monthly cycle in which an electronic fund transfer has occurred. If no transfers are made, you will receive a periodic statement at least quarterly.
ACCOUNT INFORMATION DISCLOSURE

We will disclose information about your account or the transfers you make:
1. When it is necessary to complete transfers, or
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or
3. In order to comply with government agency or court orders, or
4. If you give us your written permission.
LIABILITY FOR FAILURE TO MAKE TRANSFERS

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, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable IF:
1. Through no fault of ours, you do not have enough money in your account to make the transfer.
2. The transfer would go over the credit limit on your overdraft line, if any.
3. Your account is frozen because of a court order or some similar reason.
4. Circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
5. The terminal has insufficient cash to complete the transaction request.
6. There is a technical malfunction of which the cardholder was aware.
7. There may be other exceptions stated in our agreement with you.
All requests prior to 2:30 p.m. will be posted on the date of the request. Any request made after that time will be posted on the evening following the request.

ERROR RESOLUTION PROCEDURES

In case of errors or questions about your electronic transfers:

Telephone us at the phone number listed below or write to us at the address given below. You may also E-Mail us at the address listed below . You must do so 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 60 days after we sent you 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 to be received within 10 business days of the oral notice. We will tell you the results of our investigation within 10 business days (20 business days if the transfer involved a point of sale transaction or a foreign initiated transfer) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point of sale transaction or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will recredit your account within 10 business days (20 business days if the transfer involved a point of sale transaction or foreign initiated transfer) of receipt of the notice from you 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. We will notify you within 2 business days after giving you provisional credit, of the amount and the date of the recrediting. If we ask you to put your complaint or question in writing, and we do not receive it within the 10 business days, we may not recredit your account. If we did make an error, we will correct the error, including refunding fees and charge imposed, not later than one (1) business day after the determination of the error and notify you within three (3) business days. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation and debit your account for any funds provisionally credited to you. Upon debiting we will provide oral or written notice to you of the date and amount of the debiting. Furthermore, we will honor (without charge) checks, drafts, or similar paper instruments payable to third parties, and preauthorized transferred from your account for 5 business days after transmittal of notice to the extent that those items would have been honored if the provisionally recredited funds had not been debited. You may ask for copies of the documents that we used in our investigation.

UNIFORM COMMERCIAL CODE ARTICLE 4A

Notice of Provisional Payment

"Credit given by The Evangeline Bank & Trust Company to you with respect to an automated clearing house credit entry is provisional until The Evangeline Bank & Trust Company receives final settlement for such entry through a Federal Reserve Bank. If The Evangeline Bank & Trust Company does not receive final settlement, you are hereby notified and agree that we entitled to a partial refund of the amount credited to you in connection with such entry and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount.

Notice of Receipt of Entry

Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving you account, The Evangeline Bank & Trust Company are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, The Evangeline Bank and Trust Company will continue to notify you of the receipt of payments In he periodic statements we provide to you.

Notice of Choice of Law

The Evangeline Bank & Trust Company may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (ACH) and which are not subject to Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of Louisiana as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account.

FUNDS AVAILABILITY POLICY DISCLOSURE

Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. If you wish to close the account and this bank has not yet received credit for the funds that you have deposited to that account, availability may be withheld until the fifth business day after the day we receive your deposit. Electronic direct deposits will be available on the effective date of the deposit. At this time, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Funds accessed by ATM cards, debit cards, or Internet banking may have longer delays.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. If January 1, July 4, November 11, or December 25 fall on a Sunday, the next Monday is not a business day. If you make a deposit before 2:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

LONGER DELAYS MAY APPLY

Also, in some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $100 of your deposits will be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away or you need to be sure when a particular deposit will be available for withdrawal, you should ask us.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
We believe a check you deposit will not be paid.
You deposit checks totaling more than $5,000 on any one day.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the fifth business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new customer, the following special rules will apply during the first 30 days your account is open. An account will be considered a new account if it has been open less than thirty (30) days and the owner of the account does not have other accounts with the bank that have been open more than thirty (30) days.

Funds from electronic direct deposits to your account will be available on the effective date of the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the fifth business day after the day of your deposit.