Retail Online Banking and Electronic Funds Transfer Act Disclosure Agreement

You must click the I Agree button at the bottom of the page to continue.

As used in this Agreement, the words "we," "our," "us", and “First Federal” mean First Federal Bank of Louisiana. “I”, “you” and "your" refer to the account holder authorized by First Federal to use Online Banking under this Agreement and anyone else authorized by that account holder(s) to exercise control over the account holder's funds through Online Banking. "Account" or "accounts" means your online accounts. "Electronic funds transfers" means transfers to and from your accounts using Online Banking, including bill payments. "Online Banking Services" means the services provided pursuant to this Agreement, including the Bill Payment Service. "Business days" means Monday through Friday, excluding holidays.

Agreement

This Agreement is a contract establishing the rules, which cover your electronic access to your accounts at First Federal Bank of Louisiana through Online Banking.  You may access the First Federal web site www.ffbla.com.

By using Online Banking, you accept all terms and conditions of this Agreement. The terms and conditions of the deposit and loan agreements and disclosures for each of your First Federal accounts, as well as your other agreements with First Federal, continue to apply notwithstanding anything to the contrary in this Agreement. This Agreement is subject to applicable federal laws and the laws of the State of Louisiana (except to the extent this Agreement can and does vary such rules or laws). If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.

The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and First Federal's successors and assigns. Certain obligations of the parties pursuant to this Agreement, that by their nature would continue beyond the termination, cancellation or expiration of this Agreement, shall survive termination, cancellation or expiration of this Agreement.

This Agreement, together with the Enrollment Form and the Online Disclaimer and Intellectual Property Notice, constitutes the entire agreement between you and First Federal with respect to the subject matter hereof and there are not any agreements relative hereto which are not fully expressed herein.

Account Requirement

This service is available on all personal checking accounts (except ETA accounts and Easy Access Accounts).  All accounts that are titled in the same manner will automatically have online access with full access rights.  By using the Internet Banking Service, you agree to maintain one or more accounts with us. 

Accessible Accounts and Services

The following accounts or services are accessible via Online Banking:

Restricted Accounts

Some accounts have transaction limitations or restrictions.  These accounts are: 

*   You may make six (6) pre-authorized, automatic, or electronic transfer debits,  including transfer debits through the Interactive Voice Response (IVR) System, and Online Banking, per statement cycle.  Checks written on Money Market Accounts are also included in this limit.

Cut-off times

Transfers           6:30 p.m. C.S.T.

Bill Payment        6:30 p.m. C.S.T.

Charges

You agree to pay the charges as set forth in the current charge schedule for your use of Online Banking Services. You can choose which checking account you wish to have your monthly charges debited from, but if you do not choose, then you agree that all such charges will be deducted from the checking account designated as the Primary Checking Account. If you close your Primary Checking Account, you must contact us immediately to designate another account as your Primary Checking Account. You agree to pay any additional reasonable charges for services you request not covered by this Agreement. You are also responsible for telephone and Internet service fees incurred in connection with your use of Online Banking.

View Account Balances.........................................................................................................................No Charge

View Account History............................................................................................................................No Charge

Export Account History..........................................................................................................................No Charge

Search for a History Item.......................................................................................................................No Charge

Reconcile an Account...........................................................................................................................No Charge

Transfer Funds.....................................................................................................................................No Charge

Reorder Checks............................................. Check prices vary depending on check style and quantity ordered

Stop Payment (per request)...................................................................................................................... $25.00

Stop Payment (Bill Payment – per request)................................................................................................ $25.00

Mailed Account Statement (for additional copies only, does not include regular monthly statement)......... $3.00

Internet Banking I-Net Fees (Bill Payment) (Unlimited per month)................................................................ $5.99

Internet Banking I-Net Fees (Bill Payment) for Advantage Customers (Unlimited per month)....................... Free

Internet Security Information

Fiserv provides our Internet Banking Service.  Fiserv provides our Online Banking service. Fiserv utilizes a comprehensive security strategy to protect accounts and transactions conducted through the Internet. In-depth information on many of the techniques and features employed by the system can be viewed or printed from our website where the system's consumer or commercial features are explained. In addition to our login security,

Fiserv uses SSL (secure socket layer) encryption technology.

Your browser automatically activates this technology when it attempts to connect to our system and it will support 128-bit key lengths. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small padlock icon at the bottom of the screen from open to locked. Your communications are scrambled from your browser to our servers at all times, so no unauthorized party can read the information as it is carried over the Internet. Additionally, our servers have been certified by a "Certificate Authority" to assure you that you are actually talking to our servers instead of someone pretending to be us.

During your use of the Online Banking system, we will pass a "cookie" to your browser to identify you.  "Cookie" means security data given to a browser by a web server and returned by the browser on subsequent transmissions to identify the user and encryption information. We do not (and cannot) use our cookies to obtain new information about you.  When you log onto the system, the cookie enables us to process multiple transactions during the session without you having to provide your Login ID and password for each individual transaction.

After 15 minutes or when you log off, the session cookie is no longer accepted and the password must be entered. A new cookie is used for each session, so that no one can use the cookie to access your account.

Recommended System Requirements

The recommended system requirements include:  Processor Pentium 90, RAM 32 MB, Modem Speed 28.8 kbps, and Browser (128 bit encryption).  We recommend Netscape Navigator 4.0 or higher, Microsoft Internet Explorer 4.01 or higher, or America Online Browser 4.0, but the site has been built to work with all major browsers that have been tested and approved.  First Federal also requires that each user’s browser have a minimum configuration.  This allows First Federal to store user information and to maintain strict security standards.  These browser settings are as follows:  Cookies allowed, Java script enabled, and Secure Socket Layer (SSL) version 2.0 or higher.

Registration Process

The service requires you to complete the initial registration process. This involves completing an enrollment form in person at one of our offices. The information on the enrollment form identifies everything we will need to enable the service.

Access

To use Online Banking, you must have at least one account, access to an Internet service provider, and an email address. Once we process your Enrollment Form and verify your account information, we will provide you with your temporary Login ID and temporary password. Accounts available for Online Banking are listed on your enrollment form. You may add or delete any of your accounts from this Agreement by visiting any branch and speaking with a Customer Service Representative. Access to your accounts through Online Banking is based upon the identification of users specified by you in your Enrollment Form. We undertake no obligation to monitor transactions through Online Banking to determine they are made on behalf of the account holder.

System Services

You can use Online Banking to check the balance of your accounts, view account histories, transfer funds between your accounts, order checks, make stop payment requests, view checks, make loan payments (including principal payments), view statements and pay bills from your accounts. Balance shown reflects the most recent data available Online. Transaction made after 6:30 p.m. C.S.T. will appear the following day.

We reserve the right to block transactions, which may be deemed illegal or a violation of regulations under state or federal laws. If such transactions are conducted on your account, we will terminate your services immediately.

Hours of Access

Online Banking is available seven days a week, twenty-four hours a day, although occasionally some or all Online Banking services may not be available due to emergency or scheduled system maintenance. We agree to post notice of any extended periods of non-availability on the Online Banking website.

Your Password and Login ID

For security purposes, you are required to change your password and Access ID upon your initial login to Online Banking. You determine what login ID and password you will use; the identity of your password is not communicated to us. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password. Upon fifteen unsuccessful attempts to use your password, your access to Online Banking will be terminated. To reestablish your authorization to use Online Banking, you must contact us by telephone, between the hours of 8:00 a.m. – 5:00 p.m. C.S.T., Monday through Friday, or visit any branch to have your password reset or to obtain a new temporary password. We recommend you create a password 8 to 16 characters that utilizes both upper-and lower-case alpha and numeric characters for purposes of security. Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, or names of children, and should be memorized rather than written down.

Online Disclaimer And IntellectualProperty Notice

First Federal Bank of Louisiana endeavors to provide you with the highest quality online banking available. However, due to the unpredictable nature of the Internet, occasional inaccessibility to our website should be expected. Additionally, First Federal cannot and does not guarantee the completeness or accuracy of the information provided herein.

Online bill payment is provided to you for your convenience. The actual payment of such bills is handled by an independent third party, Checkfree, and First Federal Bank cannot and will not guarantee or be held responsible for the completion and accuracy of such transactions.

First Federal reminds you that the Internet lacks inherent security for commercial transactions and therefore First Federal Bank of Louisiana cannot and does not guarantee that downloads from this site will not contain a virus or other destructive device. Additionally, you provide, request and receive information from this site with the knowledge that such information can be intercepted and/or viewed by unknown third parties. Please contact us at (337) 433-3611 with any questions you may have regarding the above information and disclaimers.

The Internet Banking System (IBS) is a trademark of Fiserv Solutions, Inc.. (All other brand and product names are trademarks or registered trademarks of their respective owners.) Features and services availability are subject to change without notice.

Security

You understand the importance of your role in preventing misuse of your accounts through Online Banking, and you agree to examine the statement for each of your accounts. You agree to protect the confidentiality of your account and account number, and your personal identification information. You understand that personal identification information by itself or together with information related to your account may allow unauthorized access to your account. Your password and Login ID are intended to provide security against unauthorized entry and access to your accounts. It is recommended that you do not use the password savings function, as this only increases the risk of an unauthorized person accessing your information or performing unauthorized transactions. Data transferred via Online Banking is encrypted in an effort to provide transmission security; Online Banking utilizes identification technology to verify that the sender and receiver of Online Banking transmissions can be appropriately identified by each other. Notwithstanding our efforts to ensure that the Online Banking is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and can potentially be monitored and read by others. We cannot and do not warrant that all data transfers utilizing Online Banking, or email transmitted to and from us, will not be monitored or read by others. INTERNET E-MAIL IS NOT A SECURE METHOD OF COMMUNICATION AND WE RECOMMEND YOU DO NOT SEND CONFIDENTIAL INFORMATION BY INTERNET E-MAIL. YOU CANNOT USE INTERNET E-MAIL TO INITIATE TRANSACTIONS ON YOUR ACCOUNT(S).

Posting of Transfers

Transfers initiated through Online Banking before 6:30 p.m. C.S.T. on a business day (except Federal holidays) are posted to your account the same day. Transfers completed after 6:30 p.m. C.S.T. on a business day, Saturday, Sunday or banking holiday will be posted on the night of the next business day.

Online Banking identifies a transfer based upon the Access ID of the user who made the electronic transfer.

You agree to communicate to any other persons with authorized access to your accounts concerning any transfers or bill payments from your accounts, in order to avoid overdrafts.

Overdrafts (Order of Payments, Transfers and other Withdrawals)

If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then:

1. Electronic fund transfers involving currency disbursements, like ATM withdrawals, will have priority,
2. Electronic fund transfers initiated through Online Banking, which would result in an overdraft of your account may, at our discretion, be cancelled and
3. In the event that electronic fund transfers initiated through Online Banking, which would result in an overdraft of your account are not cancelled, overdraft charges will be assessed pursuant to the terms of the deposit agreement for that account.

Limits on Amounts and Frequency of System Transactions

The number of transfers from accounts and the amounts that may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. If a hold has been placed upon deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

System Bill Payment Service

You must designate the following: the account from which payments are to be made; the complete name of the payee, the account number, and the payee's remittance address, all exactly as shown on the billing statement or invoice; the amount of the payment and the date you want the payment to be debited from your account. If the date you want the payment to be debited from your account is not a business day, your account will be debited during the next business day (except Federal holidays) before 6:30 p.m. C.S.T. By using the Online Banking Bill Payment Service option, you agree that, based upon instructions received under your password, we will debit your designated account by electronic transfer, or by debiting and remitting funds on your behalf. We reserve the right to refuse payment to any payee designated by you. If we do so, we will notify you promptly.

Scheduling System Payments

If the payee is to be paid by paper check, you understand and agree that paper checks are mailed to the payee and the payee may not receive the payment until 5 to 8 business days after the date the payment is debited from your account. You understand and agree that we are not responsible for the timely delivery of mail or the improper transmission or handling of payments by a third party, such as the failure of the Bill Payment payee to properly post a payment to your account. You understand and agree that a future dated payment is a one time payment scheduled to be paid on the date you designated in the Bill Payment setup. You also understand and agree that recurring payments are payments scheduled to be paid on a regular basis automatically on a pre-determined schedule for the same amount as you designated in the Bill Payment setup, without any further action by you. The monthly Bill Payment charges will be assessed to your account using the indicated primary checking account number on the Online Banking Enrollment Form. 

Cancel a Bill Payment

To cancel a Bill Payment scheduled through Online Banking, you must cancel the payment online via Online Banking (by following the onscreen instructions) before 6:30 p.m. C.S.T on the date the payment was submitted.

Stop Payment Requests

Stopping the payment of a check is different from the cancellation of a bill payment. Once an Electronic Bill Payment has been debited from your account, you CANNOT cancel or stop it. You may be able to stop an Online Banking Bill Payment paid by paper draft by contacting us via telephone before the paper draft has cleared. (You will have to contact us by telephone to determine if the paper draft has cleared.) If the paper draft has not cleared, we will immediately process your stop payment request. We will notify you immediately if the paper draft has already cleared. To be effective, this type of stop payment request must precisely identify the name of the payee, the payee-assigned account number, the amount and scheduled date of the payment and the ID number from the Bill Payment View Posting Screen. If you make your stop payment request online or by telephone, we may also require you to put your request in the form of a paper writing and get it to us within 14 days after you call or initiate the request online. You will incur stop payment charges as disclosed in the current fee schedule for the applicable account.

You may only initiate stop payment requests online via Online Banking for paper checks you have written (non-electronically) on your accounts (not Online Banking Bill Payer paper drafts.) Online stop payment requests that are received after banking hours will be processed at 9:00 a.m. on the business day following the date the stop payment was requested. To be effective, this type of stop payment request must precisely identify the name of the payee, the check number, the amount and the date of the check.

Periodic Statements

Transfers to and from your accounts using Online Banking will appear on your monthly checking account statement.

Change in Terms

We may change any term of this Agreement at any time. If the change would result in increased fees for any Online Banking service, increased liability for you, fewer types of available electronic fund transfers or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the First Federal Online Banking website or forward it to you by email or by postal mail. Your continued use of any or all of the subject Online Banking Services indicates your acceptance of the change in terms. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

In Case of Errors or Questions about Your Electronic Transfers, including Bill Payments

Contact us immediately if you think your statement is wrong, or if you need more information about a transfer listed on your  statement. We must hear from you no later than 60 days after we sent the FIRST statement upon which the problem or error appeared. When you contact us:

1. Tell us your name and account number;
2. Describe the error or 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;
3. Tell us the dollar amount of the suspected error and if the suspected error relates to a bill payment made via the Online Banking Bill Payment Service, tell us the payee name, the date the payment was sent, payment amount, ID number and the payee account number. (This information appears on the Bill Payment View Posting Screen). If you contact us by telephone, we will require that you send us your complaint or question in the form of a paper writing by postal mail, in person, or by fax within 10 business days. We will communicate the results of our investigation to you within 10 business days after you contact us, and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 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 in writing within 10 business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within 3 business days after completion of our investigation. You may ask for copies of the documents used in our investigation. If we have made a provisional credit, a corresponding debit will be made from your account.

Our Liability for Failure to Make a Transfer

If we do not complete a transfer to or from your account, including a bill payment, on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses caused as a result. However, there are some exceptions. We will NOT be liable for:

1. If, through no fault of ours, you do not have enough money in your account to make a transfer;
2. If a legal order directs us to prohibit withdrawals from the account;
3. If you submit a transfer debit from a restricted account that does not allow online debits;
4. If your account is closed, or if it has been frozen;
5. If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts;
6. If you, or anyone authorized by you, commits any fraud or violates any law or regulation;
7. If any electronic terminal, telecommunication device, or any part of the electronic fund transfer system is not working properly and you knew about the problem when you started the transfer;
8. If you have not provided us with correct payment information for the Bill Payment Service, including, without limitation, the name, address, your payee-assigned account number, payment date and payment amount for the payee on a bill payment;
9. If you have not properly followed the onscreen instructions for using Online Banking; or
10. If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.
11. There may be other exceptions.

Your Liability for Unauthorized Transfers

CONTACT US AT ONCE if you believe your password has been lost, stolen, used without your authorization or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all money in your accounts (plus your maximum overdraft line of credit, if any). If you contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, you can lose no more than $50 if someone used your password without your permission. If you do NOT contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, and we can prove we could have stopped someone from using your password to access your accounts without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, contact us at once. If you do not tell us within 60 days after the statement was provided to you, you may not get back any money you lost through transactions made after the 60 day time period 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 hospital stay) kept you from contacting us, we will extend the time periods.

Disclaimer of Warranty and Limitation of Liability

We make no warranty of any kind, express or implied, including any implied warranty of fitness for a particular purpose, in connection with the Online Banking services provided to you under this Agreement. We do not and cannot warrant that Online Banking will operate without errors, or that any or all Online Banking Services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to Online Banking, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of First Federal and its affiliates exceed the amounts paid by you for the services provided to you through Online Banking. In the event that account aggregation services for Online Banking are offered, it is agreed that First Federal Bank will not be held liable for any loss, which may result from the enlistment of another 3rd party.

Disclosure of Account Information

We will disclose information to third parties about your account or the transfers you make:

1. Where it is necessary for completing transfers or resolving errors involving transfers,
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant,
3. In order to comply with a government agency or court order, or
4. If you give us your prior written permission.

Virus Protection

First Federal is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PCs and diskettes using a reliable virus detection product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

Your Right to Terminate

You may cancel your Online Banking service at any time by providing us with written notice by postal mail or fax. Your access to Online Banking will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding charges incurred prior to the date of cancellation.  

Our Right to Terminate

You agree that we can terminate or limit your access to Online Banking services for any of the following reasons:

1. Without prior notice, if you have insufficient funds in any one of your accounts; Online Banking Service may be reinstated, at our sole discretion, once sufficient funds are available to cover any fees, pending transfers and debits;
2. Upon 3 business days notice, if you do not contact us to designate a new Primary Checking Account immediately after you close your Primary Checking Account and
3. For any other reason in our sole discretion without notice.

Enforcement

In the event either party brings a legal action to enforce this agreement or collect amounts owing as a result of any account transaction, the prevailing party shall be entitled to reasonable attorney’s fees and costs, including fees on any appeal, subject to any limits under applicable law.

Communications between First Federal and You

Unless this Agreement provides otherwise, you may communicate with us in any one of the following ways:

1. Email -You may contact us by email at firstfederal@ffbla.com (please note that banking transactions through Online Banking are not made via email);
2. Telephone - You may contact us by telephone at Lake Charles 337.433.3611, Sulphur 337.625.5388, Westlake 337.439.4692, Moss Bluff 337.855.4545, DeRidder 337.462-2425, Natchitoches Branches: University 318.352.8383; Keyser 318.352.5511, Oakdale 318.335.2031, Oberlin 337.639.2036, Alexandria 318.449.9540 or you may call our 24 Hour Account Information at 337.421.1234 (outside local area 1.800.860.1238).
3. Facsimile - You may contact us by fax at 337.421.1310;
4. Postal Mail - You may write to us at: First Federal Bank of Louisiana, P.O. Box 1667, Lake Charles, Louisiana 70602-1667 and
5. In Person - You may visit us in person at any one of our locations: Lake Charles Offices: 1135 Lakeshore Dr., 324 E. McNeese St., 4090 Nelson Rd., and 2440 Hwy 14. Sulphur Office: 2250 Maplewood Dr. Westlake Office: 2214 Sampson St. Moss Bluff Office: 640 Sam Houston Jones Parkway. DeRidder Office: 519 N. Pine St. Natchitoches Offices: 701 Keyser Ave. and 5696 Hwy 1 Bypass, Suite B. Oakdale Office: 222 South 10th St. Oberlin Office: 110 North Fifth St. Alexandria Office: 5615-A Jackson St, 2141 N Mall Dr. Pineville Office: 3305 Louisiana Hwy 28E

Business Days

Our business days are Monday through Friday, excluding Holidays.

Hours of Service

All offices in Lake Charles, Sulphur, Moss Bluff, Westlake, Natchitoches:

DeRidder, Oakdale, Alexandria Office:

Oberlin Office

eStatement Agreement

You can elect to receive periodic account statements and other disclosures in paper form or electronically. This Agreement is for those persons who elect to receive electronic periodic account statements and disclosures. By accepting this agreement, you are choosing to receive periodic account statements and disclosures related to your account by means of electronic mail instead of by United States Postal Service mail. Your consent applies to electronic statements as well as important disclosures or notices that may be presented electronically now or in the future. This may include, but is not limited to, your periodic account statements, regulatory disclosures regarding your account that are required to be provided at the time of account opening or at other times after account opening, notices regarding changes to your account or amendments to any agreements and/or disclosures governing your account. However, you may be sent paper statements or other documents that contain important information about your account. You should continue to review any correspondence that we send to you. By choosing electronic disclosures and periodic account statements, this information will be available at www.ffbla.com for 90 days from the date the email is sent. When the information is available for viewing, we will send you a message at the electronic email address you have designated. After that time, the information will be available upon request by contacting First Federal Call Center at 337-421-1200 or toll free at 800-860-1238, if calling from outside the area.

Right to Withdraw Consent:

You have the right to withdraw your consent to receive electronic periodic statements and disclosures at any time. To withdraw your consent to receive electronic statements and disclosures, you must notify us via email at eStatements@ffbla.com,through our Website at www.ffbla.com or in writing to First Federal Bank, eStatement Dept., PO Box 1667, Lake Charles, LA 70601. The withdrawal of your consent should be received at least ten (10) days before the end of your normal statement cycle.

Equipment Requirements:

To receive electronic delivery services, you must have a working connection to the Internet with email capability to receive and open Portable Document Format (.PDF) files with Adobe Acrobat Reader version 5.0 or higher. By accepting this Agreement, you are confirming that you have access to a computer that satisfies these requirements and that you have access to a printer, or the ability to download information in order to keep copies for your records. It is recommended that Netscape version 6.0 or higher, or Internet Explorer version 5.0 or higher be installed on your PC.

Responsibilty to Notify Us:

You are responsible for notifying us of any email address changes. Notification of any email changes should be received ten (10) days before the end of your normal statement cycle. You may notify us by email at, eStatements@ffbla.com through our Website at www.ffbla.com or by phone at 337-421-1200 or toll free at 800-860-1238, if calling from outside the area. If your electronic mail is returned as undeliverable, an attempt will be made to contact you. If we are unable to contact you for a working email address, a paper copy of your statement will be sent through the United States Postal Service and a $3.00 fee will be assessed per statement mailed for providing a paper copy of the undeliverable eStatement. This fee will appear on a subsequent statement. You are also responsible for promptly reviewing your electronic disclosures and eStatements. Notify us immediately in writing, or call us at 337-421-1200 or toll free at 800-860-1238, if calling from outside the area in regard to any suspected error, alteration or other irregularity with or unauthorized access to your electronic disclosures or eStatements. Also notify us immediately if you do not receive or are unable to view or print your disclosures or eStatement.

Periodic Statments:

Upon receipt of your consent, we will provide periodic statements to you on a monthly or quarterly basis, as applicable, to a working email address that you have provided to us. You will be required to use a User ID and Password to view the electronic statement. It is your sole responsibility to protect your Password from unauthorized persons. By accepting this service, you agree that it is your responsibility to ensure that the electronic statements cannot be intercepted or viewed by others. You understand that you have no expectation of privacy if the statements are transmitted to an email address owned by a third party, for example, your employer. You further agree to release First Federal Bank of Louisiana from any liability if the information is intercepted or viewed by unauthorized parties at your employer or other email address selected by you. Multiple accounts can be registered under one User ID/Password as long as the user is an owner on each account registered. The User will be able to view all registered account statements, including accounts held jointly with other accountholders. Only one User ID/Password will be issued per statement. Account statements cannot be sent to multiple email addresses.

By accepting the terms of this Agreement, you hereby authorize First Federal Bank of Louisiana to provide periodic account statements to you by electronic mail. After you consent to receiving electronic statements, you will no longer receive periodic account statements by United States Postal Service. You may request a paper copy of your statement by contacting the First Federal Call Center at 337-421-1200 or toll free at 800-860-1238, if calling from outside the area, at a charge of $3.00 per statement.

Amendment and Termination:

We may amend or change this Agreement at any time after any notice required by law is given or, if required by law, your authorization obtained. If law requires no notice or authorization, your continued acceptance of electronic disclosures or eStatements after the effective date of such change will constitute your acceptance of and Agreement with such amendment(s).

We may terminate this Agreement at any time, without cause or notice or refund of previously charged or accrued fees, as applicable.

Liability:

We will use our best efforts to deliver your electronic disclosures and eStatements in a timely manner and in accordance with any applicable time required by law. However, we shall incur no liability if we are unable to deliver your disclosures or eStatements under the following circumstances:

1. Our web site is not working properly ands you know or have been advised by us of the malfunction, or
2. Your equipment was not working properly and this problem should have been apparent to you, or
3. Internet service is interrupted due to traffic or other disruptions, or
4. 4. Circumstances beyond our control (such as, but not limited to, fire, flood, interruption in telephone service or other communication lines, interference from an outside force, acts of God, legal restriction or delays in mail service) prevent proper delivery and we have taken reasonable precautions to avoid those circumstances.

You agree not to alter or use the disclosures or eStatements for any unauthorized, fraudulent, or other illegal purpose. By accepting this Agreement, you are indicating that you have read, understand, and agree to be bound by this Agreement and that you, and any authorized signers or users authorize us, at our discretion, to provide account disclosures and account statements electronically, until this Agreement is terminated or discontinued in accordance with this Agreement. You also confirm that, in accordance with the "Equipment Requirements" outlined in this Agreement, you have equipment that provides the ability to receive and retain electronic disclosures and statements.

The provisions in this Agreement are part of (and a supplement to) First Federal Bank of Louisiana’s "Terms and Conditions for Depository Accounts" and are subject to all the provisions in the Terms and Conditions for Depository Accounts. Each First Federal Bank of Louisiana’s account that you designate to be included within the eStatement service and eStatement program is also governed by the terms and conditions otherwise applicable to that kind of account as separately disclosed to you, either in the Terms and Conditions for Depository Accounts, applications and enrollment forms, the applicable personal or business fee schedules, credit or deposit agreements, our Privacy Policy or other written notices.

                                                By clicking the "I Agree" option below, you agree that you have read and understand all of the
                         terms and conditions presented in the Online Banking Agreement above.