eBanking Terms & Conditions

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HERITAGE BANK OF ST. TAMMANY INTERNET BANKING AGREEMENT

Terms and Conditions.

The first time you access your accounts through Internet Banking, you agree to be bound by the terms and conditions of this Internet Banking Agreement ("Agreement") and acknowledge its receipt and your understanding of its terms.

Introduction.

This Agreement explains the terms and conditions for accessing accounts and conducting transactions at HERITAGE BANK OF ST. TAMMANY (“Heritage Bank of St. Tammany”, “we”, “us” and “our”) via our online Internet Banking site(s) ("Internet Banking"). As used in this Agreement, the terms "you" and "your" refer to each person signing an Internet Banking Application.

Benefits of Internet Banking.

Through Internet Banking, you can manage eligible accounts from your home or office on a personal computer. Internet Banking can be used to conduct any of the following “On-line Financial Services”:

Obtain balances and transaction histories on all eligible accounts enrolled in Internet Banking (All account balances and transaction histories reflect activity through the close of the previous banking day); Transfer money between eligible accounts (The number of transfers you can make from account is limited as described in the applicable account agreement. In addition, if a hold is placed on any funds deposited in an eligible account, you may not transfer the portion of funds being held until that hold expires); transfer money to pay Heritage Bank of St. Tammany for overdraft protection, consumer loans, home equity loans and lines of credit, or certain other eligible loans; and pay bills to any merchant, financial institution or an individual with a U.S. address.

Heritage Bank of St. Tammany may, from time to time, introduce new On-line Financial Services. By using those services when they become available, you agree to be bound by the terms contained in this Agreement, and its subsequent amendments.

Security & Protecting Your Account.

We are strongly committed to protecting the security and confidentiality of our customer accounts information. We use several techniques to help secure our Internet Banking service, including the following:

• You can only access Heritage Bank of St. Tammany with certain browsers that have a high security standard.
• Your account numbers are never displayed in full.
• You must have a valid Internet Banking ID and personal identification number ("PIN") to logon.
• If no action is taken with-in your allotted time, you will be automatically logged off the Internet Banking site.

Requirements.

To access On-line Financial Services you must have :

On-Line Banking System

Operating Systems:

• Windows XP
• Windows Vista
• Windows 7
• Mac OS X 10.7.4 “Lion”
• I Pad 3
• Galaxy 10.1

Browsers:

Online Banking Customer UI –

• Internet Explorer 8.0 – 9.0
• Google Chrome 19
• Firefox 8.0 or higher
• Safari 5.1.7, 6.0

On-Line Bill Payment Service

Operating Systems:

• Windows XP
• Windows Vista
• Windows 7
• Mac OS X
• Other operating systems, such as Linux, may work, but have not been tested

Browsers:

• Internet Explorer 7.0 – 9.0 (PC) *9 for Vista and Windows 7 only.
• Google Chrome 15.0 or higher (PC, Mac)
• Firefox 8.0 or higher (PC)
• Safari 5.0 – 5.1.2 (Mac)

In addition to compatible software, you must have an Internet Banking ID and maintain one or more eligible accounts at Heritage Bank of St. Tammany.

*Any account that requires two or more signatures to make withdrawals, transfers or other transactions is eligible for On-line Financial Services viewing only.

*If you use Internet Banking in connection with a Money Market account, please refer to your Truth in Savings Disclosure for information regarding account qualifications. While you can access your Money Market account using Internet Banking, there are transaction limitations that apply during each monthly statement cycle.

Accessibility.

You can usually access On-line Financial Services seven (7) days a week, twenty-four (24) hours a day. However, at certain times, some or all of Internet Banking or On-line Financial Services may not be available due to system maintenance or reasons beyond Heritage Bank of St. Tammany's control. Heritage Bank of St. Tammany does not warrant that Internet Banking or On-line Financial Services will be available at all times. When unavailable, you may use an automated teller machine (“ATM”) or a Heritage Bank of St. Tammany branch office to conduct your transactions. An On-line Financial Service transaction initiated prior to 5:00 PM (Central Time) on a banking day is posted to your account the same business day. All transfers completed after 5:00 PM (Central Time), or on a non-business day, will be posted the following business day. An On-Line Bill Payment service transaction initiated prior to 3:00 PM (Central Time) on a banking day is processed the same business day. All Bill Payment service transactions initiated after 3:00 PM (Central Time), or on a non-business day, will be processed the following business day.

Restrictions.

You may not appropriate any information or material that violates any copyright, trademark or other proprietary or intellectual property rights of any person or entity while using the Internet Banking or On-line Financial Services. You may not gain, or attempt to gain, access to any Internet Banking and/or On-line Financial Service server, network or data not specifically permitted to you by Heritage Bank of St. Tammany or its suppliers, and you must not include any obscene, libelous, scandalous or defamatory content in any communications with Heritage Bank of St. Tammany or its suppliers.

Bill Payment Service.

The Bill Payment service allows you to schedule bill payments through Internet Banking. Heritage Bank of St. Tammany does not provide the service directly. Instead, Heritage Bank of St. Tammany entered into an agreement with a bill payment provider to provide the bill payment services directly to you. Subject to any regulatory or Heritage Bank of St. Tammany-imposed limitations on usage, you can arrange, at your option, for the payment of your current, future and recurring bills from a checking account.

There is no limit to the number of payments that may be authorized and you may pay any merchant or individual approved by the bill payment provider. While payments are initiated by you electronically, they are ultimately paid via an automated clearing house (ACH) network or by a paper check. Payments delivered over an ACH network are governed by the rules and performance standards of that network.

By furnishing the names of your payees/merchants and their addresses, you authorize Heritage Bank of St. Tammany and its bill payment provider to follow the payment instructions you provide for those payees/merchants. When payment instructions are received, funds will be remitted from the selected account, to the appropriate payee on your behalf on the day that you request ("Payment Date"). However, there is no obligation to make requested payments unless your account and/or overdraft protection plan has sufficient funds or credit availability to pay the bill as of the Payment Date. Funds for bill payments will be withdrawn from your account on the applicable Payment Date. When the Bill Payment provider receives notification of any return item, such as NSF or Account Closed, your payment may be cancelled. You may stop or change any scheduled payment, but you must do so by no later than 3:00 PM (Central Time) on the Payment Date.

Heritage Bank of St. Tammany and its Bill Payment provider reserve the right, at their discretion, to implement security features to reduce risk of loss. Heritage Bank of St. Tammany and its Bill Payment provider also reserve the right to terminate your use of Bill Payment services at any time.

If, for any reason, you should ever wish to cancel Internet Banking, we strongly suggest that you cancel all future bill payments at the same time. This will ensure that future payments and transfers made by you will not be duplicated. We will automatically delete any outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your Bill Payment service has been terminated. We will continue to maintain your accounts until you notify us otherwise.

Responsibility.

Neither Heritage Bank of St. Tammany nor its suppliers will be liable for any transaction if: (i) you do not have enough money in your account to complete the transaction; (ii) a legal order prohibits withdrawals from your account; (iii) your account is closed or has been frozen; (iv) the transaction would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts; (v) you, or anyone you allow, commits fraud or violates any law or regulation in connection with Internet Banking or On-line Financial Services; (vi) any electronic terminal, telecommunication device or part of the electronic fund transfer system is not working properly; (vii) you did not provide us with complete and correct payment or transfer information; (viii) you did not properly follow the instructions for use of Internet Banking or On-line Financial Services; (ix) you knew that Internet Banking and/or the On-line Financial Services were not operating properly at the time you initiated the transaction or payment; (xi) there is postal delay; or (xi) circumstances beyond our control (such as fire, flood or improper transmission or handling by a third party) that prevent, hinder or delay the transaction.

Fees and Charges.

You agree to pay all fees and/or charges related to Internet Banking and the Bill Payment service imposed by Heritage Bank of St. Tammany or the Bill Payment provider and authorize Heritage Bank of St. Tammany to debit the amount of all such fees and/or charges from your account(s). For information regarding fees and/or charges related to Internet Banking and the Bill Payment service, please refer to the Miscellaneous Service Fees Disclosure provided by Heritage Bank of St. Tammany.

Liability.

You are solely responsible for controlling the safekeeping of and access to your Internet Banking ID and password.

You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. If you want to terminate another person's authority, you must notify Heritage Bank of St. Tammany and arrange to change your access.

You will be responsible for any Bill Payment request you make that contains an error or is a duplicate of another Bill Payment. Heritage Bank of St. Tammany is not responsible for a Bill Payment that is not made if you did not properly follow the instructions for making a Bill Payment. Heritage Bank of St. Tammany is not liable for any failure to make a Bill Payment if you fail to promptly notify Heritage Bank of St. Tammany after you learn that you have not received credit from a Merchant for a Bill Payment.

Heritage Bank of St. Tammany is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be Heritage Bank of St. Tammany's agent.

In any event, Heritage Bank of St. Tammany will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the Service, even if Heritage Bank of St. Tammany has knowledge of the possibility of them.

Heritage Bank of St. Tammany is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond Heritage Bank of St. Tammany's reasonable control.

Additionally, if you close all Heritage Bank of St. Tammany accounts, you must notify Heritage Bank of St. Tammany and cease all use of the On-line Financial Services. If fees cannot be collected from any of your accounts, Heritage Bank of St. Tammany may cancel all or some of your On-line Financial Services. After cancellation, Heritage Bank of St. Tammany may reinstate some or all of the On-line Financial Services, at its discretion, if you deposit sufficient funds in your account(s) to cover any accrued fees and pending transfers or debits. You are solely responsible for any telephone or internet service provider charges incurred when using the On-line Financial Services.

Electronic Secure Messaging.

Heritage Bank of St. Tammany’s On-Line Financial Services contains a secure messaging system located under the “Customer Service” menu option. It is recommended that you use this form of communication as all information is contained within the secure system.

Sending emails is not recommended to communicate with Heritage Bank of St. Tammany regarding your accounts or the On-line Financial Services. As your email is actually sent via your own software and, as a result, is not secure. Because of this, you should not include confidential information, such as account numbers and balances in any e-mail to Heritage Bank of St. Tammany. You cannot use e-mail to initiate On-line Financial Service transactions. All such transactions must be initiated using the appropriate functions within the Internet Banking site. Heritage Bank of St. Tammany will not be liable for any errors, omissions, claims, or problems of any kind involving your email.

Disclosure of Information.

Information submitted to Heritage Bank of St. Tammany or its suppliers is the property of those parties, and they are free to use and disclose that information, or any ideas, concepts, know-how or techniques contained in that information to any third party for any purpose whatsoever, except as specifically agreed by Heritage Bank of St. Tammany or prohibited by law.

Links to other Sites.

Information that Heritage Bank of St. Tammany publishes on the World Wide Web may contain links to other sites and third parties may establish links to Heritage Bank of St. Tammany’s site. Heritage Bank of St. Tammany makes no representations about any other web site that you may access to, from or through this site. Unless expressly stated in writing, Heritage Bank of St. Tammany does not endorse the products or services offered by any company or person linked to this site nor is Heritage Bank of St. Tammany responsible for any software or the content of any information published on the site of any third party. You should take precautions when downloading files from sites to protect your computer software and data from viruses and other destructive programs.

Virus Protection.

Heritage Bank of St. Tammany is not responsible for any electronic virus that you may encounter using the On-line Financial Services. We encourage you to routinely scan your computer and diskettes using reliable virus protection product to detect and remove viruses. If undetected and unrepaired, a virus can corrupt and destroy your programs, files and hardware.

Damages and Warranties.

In addition to the terms previously disclosed, Heritage Bank of St. Tammany is not responsible for any losses, errors, injuries, expenses, claims, attorney’s fees, interest or other damages, whether direct, indirect, special, punitive, incidental or consequential, (collectively, “Losses”) caused by Internet Banking or the use of the On-line Financial Services or in any way arising out of the installation, use or maintenance of your personal computer hardware or software, including any software provided by Heritage Bank of St. Tammany or one of its suppliers. In addition, Heritage Bank of St. Tammany disclaims any responsibility for any electronic virus(es) customer may encounter after installation of such software or use of Internet Banking or the On-line Financial Services. Without limiting the foregoing, neither Heritage Bank of St. Tammany nor its suppliers shall be liable for any: (i) failure to perform or any Losses arising out of an event or condition beyond their reasonable control, including but not limited to communications breakdown or interruption, acts of God or labor disputes; or (ii) the loss, confidentiality or security of any data while in transit via the Internet, communication lines, postal system or ACH network. Heritage Bank of St. Tammany and its suppliers provide Internet Banking and the On-line Financial Services from their own sites and they make no representation or warranty that any information, material or functions included in Internet Banking or the On-line Financial Services are appropriate for use by you in your jurisdiction. If you choose to use Internet Banking and/or the On-line Financial Services, you do so on your own initiative and are solely responsible for compliance with applicable local laws and regulations. Neither Heritage Bank of St. Tammany nor its suppliers warrant the adequacy, accuracy or completeness of any information provided as a part of Internet Banking, the On-line Financial Services, or contained in any third party sites linked to or from Heritage Bank of St. Tammany’s web site. HERITAGE BANK OF ST. TAMMANY MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, FUNCTIONALITY OR PERFORMANCE OF INTERNET BANKING, ON-LINE FINANCIAL SERVICES, OR ANY SOFTWARE THAT MAY BE USED IN CONNECTION WITH SAME. HERITAGE BANK OF ST. TAMMANY DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR ERROR-FREE OPERATION.

Indemnification.

Customer shall indemnify, defend and hold harmless Heritage Bank of St. Tammany and its officers, employees, directors, suppliers and agents, in their individual capacities or otherwise, from and against any Losses arising out of: (i) Customer’s negligence; (ii) Customer’s failure to comply with applicable law; or (iii) Customer’s failure to comply with the terms of this Agreement.

Additional Remedies.

Due to the likelihood of irreparable injury, Heritage Bank of St. Tammany shall be entitled to an injunction prohibiting any breach of this Agreement by Customer.

Termination and Changes in Terms.

Heritage Bank of St. Tammany reserves the right to terminate this Agreement or to change the charges, fees or other terms described in this Agreement at any time. When changes are made, we will notify you by: 1) electronic mail; 2) physical mail at the address shown in our records; and/or 3) update of our web site. You have the right at any time to withdraw the consent to have your records provided electronically. You have the right to have the records made available on paper with no specific conditions, consequences, or fees in the event of such withdrawal.

Applicable Rules, Laws, and Regulations.

You submit to the jurisdiction of, and this Agreement shall be governed by the laws of, the State of Louisiana, U.S.A., as well as the federal laws of the U.S.A. Venue for any action arising out of this Agreement shall be in a state court of competent jurisdiction covering St. Tammany Parish, Louisiana, U.S.A. The prevailing party in any such action shall be entitled to the recovery of its reasonable attorney’s fees, costs, and expenses.

Assignment.

Heritage Bank of St. Tammany may assign its rights and/or delegate all or a portion of its duties under this Agreement to a third party.

Integration.

This Agreement constitutes the entire understanding of the parties with respect to the subject matter of this Agreement, and all prior agreements, understandings and representations concerning such subject matter are canceled in their entirety. Notwithstanding the foregoing, this Agreement is in addition to any other agreements between you and Heritage Bank of St. Tammany.

Severability.

If there is a conflict between the terms and conditions of this Agreement and one or more terms contained in another agreement between you and Heritage Bank of St. Tammany, this Agreement will control.

Waiver.

Heritage Bank of St. Tammany shall not, by the mere lapse of time, without giving notice or taking other action, be deemed to have waived any of its rights under this Agreement. No waiver by Heritage Bank of St. Tammany of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of this Agreement.

Force Majeure.

Neither party shall be liable for any loss nor damage due to causes beyond its control, including fire, explosion, lightning, pest damage, power surges or failures, strikes or labor disputes, water, acts of God, the elements, war, civil disturbances, acts of civil or military authorities or the public enemy, inability to secure raw materials, transportation facilities, fuel or energy shortages, acts or omissions of communications carriers, or other causes beyond that party’s control. Either party may terminate this Agreement immediately on written notice if the other party is prevented from performing its obligations under this Agreement for a period of more than thirty (30) days due to the reasons set forth in this subsection.

Construction.

This Agreement shall be construed equally against the parties regardless of who is more responsible for its preparation. If there is a conflict between a part of this Agreement and any present or future law, the part of this Agreement that is affected shall be curtailed only to the extent necessary to bring it within the requirements of that law.

Headings and Captions.

The headings and captions of the various subdivisions of this Agreement are for convenience of reference only and shall in no way modify or affect the meaning or construction of any of the terms or provisions hereof.

I HAVE READ AND UNDERSTAND THE FOREGOING AGREEMENT AND AGREE TO BE BOUND BY ALL ITS TERMS.