TRUTH IN SAVINGS DISCLOSURE

Transcription

1 Print Form Page St. Chares Ave., New Oreans, LA TRUTH IN SAVINGS DISCLOSURE Account Type: Account #: Date: Free Checking This discosure contains the rues which govern your deposit account. Uness it woud be inconsistent to do so, words and phrases used in this discosure shoud be construed so that the singuar incudes the pura and the pura incudes the singuar. Minimum Baance Requirements A minimum deposit of $20 is required to open account Service Charges There is no monthy service charge for this account. Additiona Fees * A $5.00 monthy Dormant fee wi be assessed if your account reaches Dormant account status. (See Additiona Terms beow) See Notice of Discosure for Services and Fees for a ist of additiona fees that may appy. Interest No interest wi be paid on this account Additiona Terms The primary account hoder MUST enro in estatements via their persona computer at within 30 days of opening the account. The primary account hoder MUST maintain an active internet banking account and current, active emai address. (See Guf Coast Bank and Trust Co. Internet Banking and esign Discosure). If the primary account hoder has not enroed for estatements within 30 days from account opening, the account wi be converted to an Easy Checking Account. Upon conversion, paper statement fee may be assessed. See Easy Checking Discosure on page 2* for paper statement fee provisions. If the primary account hoder has enroed in estatements, they wi receive an emai notification when their statement is ready for viewing at (see Guf Coast Bank & Trust Co. Internet Banking and esign Discosure). Images of processed items are avaiabe onine. Active internet banking account and emai address is required at a times. If the primary account hoder is not activey enroed in estatements at any time, for any reason, the account wi be converted to an Easy Checking account. Upon conversion, paper statement fee may be assessed. See Easy Checking Discosure on page 2* for paper statement fee provisions. Your account wi be paced in Dormant Status after 12 months of Inactivity. Once an account reaches Dormant account status, you wi no onger receive periodic statements and/or estatement notifications. This account does not quaify for Debit/Credit Card Reward Points. Check printing fees may appy - Prices wi vary FREETIS-1 REV 9/15

2 Page St. Chares Ave., New Oreans, LA Account Type: Account #: Date: Minimum Baance Requirements A minimum deposit of $20 is required to open account TRUTH IN SAVINGS DISCLOSURE Easy Checking Converted from Free Checking This discosure contains the rues which govern your deposit account. Uness it woud be inconsistent to do so, words and phrases used in this discosure shoud be construed so that the singuar incudes the pura and the pura incudes the singuar. Service Charges There is no monthy service charge for this account. PAPER STATEMENT FEE: $3.85 monthy paper statement fee. Fee waived if one of the foowing is met: Average month to date baance of $5000 or greater OR Average month to date baance of $10,000 or greater in quaifying combined deposit and/or oan accounts OR Account is set up for estatements If the primary account hoder decides to cance their estatement at any time or we have reason to beieve that they are not receiving their estatement or enotification, a $3.85 monthy paper statement fee wi be assessed uness the average month to date baance of $ or greater OR average month to date baance of $10,000 or greater in quaifying combined deposit and /or oan accounts appies. Additiona Fees Interest No interest wi be paid on this account Additiona Terms If the primary account hoder has enroed in estatements, they wi receive an emai notification when their statement is ready for viewing at (see Guf Coast Bank & Trust Co. Internet Banking and esign Discosure). Images of processed items are avaiabe onine. Active internet banking account and emai address is required at a times. The primary account hoder must maintain an active internet banking account and current, active emai address. (See Guf Coast Bank and Trust Co. Internet Banking and esign Discosure) A $5.00 monthy Dormant fee wi be assessed if your account reaches Dormant account status. See Notice of Discosure for Services and Fees for a ist of additiona fees that may appy. If the primary account hoder is not activey enroed in estatements at any time, for any reason, they wi receive a monthy paper statement maied to their address of record. (See Additiona Fees above) * Your account wi be paced in Dormant Status after 12 months of Inactivity. Once an account reaches Dormant account status, you wi no onger receive periodic statements and/or estatement notifications. This account does not quaify for Debit/Credit Card Reward Points. Check printing fees may appy - Prices wi vary FREETIS-2 REV 9/15

3 Important Information About Procedures for Opening a New Account To hep the government fight the funding of terrorism and money aundering activities, Federa aw requires a financia institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we wi ask for your name, address, date of birth, and other information that wi aow us to identify you. We wi ask to see your driver's icense or other identifying documents. CIP-1 REV 10/08

4 GULF COAST BANK & TRUST COMPANY FUNDS AVAILABILITY POLICY As a customer of our financia services, you need to know when the funds you deposit by check to your checking account are avaiabe for you to withdraw and use What is it? Funds Avaiabiity refers to the time that passes before funds deposited in your account are actuay avaiabe to you for check writing and cash withdrawas. Our poicy has been designed to give you quaity service, meet reguatory requirements and protect both you and ourseves from oss. This poicy is in effect beginning August , and if we decide to change or further improve any of the avaiabiity schedues isted in this discosure, we wi notify you within 30 days of any such change. This information shoud take some of the 'guesswork' out of the management of your persona finances. We recommend that you keep this brochure with your other account records so that you may refer to it in the future. If you have any questions, pease stop in and ask we'd be happy to answer your questions. When deposits are avaiabe for withdrawa Our poicy is to make funds from your deposits avaiabe to you on the next business day after the day of your deposit. Eectronic direct deposits wi be avaiabe on the day we receive your deposit. Once they are avaiabe, you can withdraw the funds in cash and we wi use the funds to pay checks that you have written. For determining the avaiabiity of your deposits, every day is a business day, except Saturdays, Sundays, and Federa hoidays. If you make a deposit before 6:00 p.m. on a business day that we are open, we wi consider that day to be the day of your deposit. However, if you make a deposit after 6:00 p.m. or on a day we are not open we wi consider that the deposit was made on the next business day we are open. Longer deays may appy In some cases, we wi not make a of the funds that you deposit by check avaiabe to you on the next business day of your deposit. Depending on the type of check that you deposit, funds may not be avaiabe unti the second business day after the day of your deposit. However, the first $200 of your deposit wi be avaiabe on the next business day. If we are not going to make a of the funds from your deposit avaiabe on the next business day, we wi notify you at the time you make your deposit. We wi aso te you when the funds wi be avaiabe. If your deposit is not made directy with one of our empoyees, or if we decide to take this action after you have eft the premises, we wi mai you the notice by the day after we receive your deposit. If you wi need the funds from a deposit right away, you shoud ask us when the funds wi be avaiabe. In addition, funds you deposit by check may be deayed for a onger period under the foowing circumstances: -We beieve a check you deposit wi not be paid. -You deposit checks totaing more than $5,000 on any one day. -You redeposit a check that has been returned unpaid. -You have overdrawn your account repeatedy in the ast six months. -There is an emergency, such as faiure of communications or computer equipment. We wi notify you if we deay your abiity to withdraw funds for any of these reasons, and we wi te you when the funds wi be avaiabe. They wi generay be avaiabe no ater than the seventh business day after the day of your deposit. Specia rues for new accounts If you are a new customer, the foowing specia rues may appy during the first 30 days your account is open. Funds from eectronic direct deposits to your account wi be avaiabe on the day we received the deposit. Funds from deposits of cash, wire transfers and the first $5,000 of a day's tota deposits of cashier's, certified, teer's traveer's and Federa, state and oca government checks wi be avaiabe on the next business day after the day of your deposit if the deposit meets certain conditions. For exampe, the checks must be payabe to you. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our empoyees, the first $5,000 wi not be avaiabe unti the second business day after the day of your deposit. The excess over $5,000 wi be avaiabe on the ninth business day after the day of the deposit. Funds from a other check deposits wi be avaiabe on the ninth business day after the day of your deposit. FUNDS Rev.7/16

5 TERMS AND CONDITIONS OF YOUR ACCOUNT AGREEMENT -This document, aong with any other documents we give you pertaining to your account(s), is a contract that estabishes rues which contro your account(s) with us. Pease read this carefuy and retain it for future reference. If you sign the signature card or open or continue to use the account, you agree to these rues. You wi receive a separate schedue of rates, quaifying baances, and fees if they are not incuded in this document. If you have any questions, pease ca us. This agreement is subject to appicabe federa aws, the aws of the state of Louisiana and other appicabe rues such as the operating etters of the Federa Reserve Banks and payment processing system rues (except to the extent that this agreement can and does vary such rues or aws). The body of state and federa aw that governs our reationship with you, however, is too arge and compex to be reproduced here. The purpose of this document is to: (1) summarize some aws that appy to common transactions; (2) estabish rues to cover transactions or events which the aw does not reguate; (3) estabish rues for certain transactions or events which the aw reguates but permits variation by agreement; and (4) give you discosures of some of our poicies to which you may be entited or in which you may be interested. If any provision of this document is found to be unenforceabe according to its terms, a remaining provisions wi continue in fu force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document. As used in this document the words "we," "our," and "us" mean the financia institution and the words "you" and "your" mean the account hoder(s) and anyone ese with the authority to deposit, withdraw, or exercise contro over the funds in the account. However, this agreement does not intend, and the terms "you" and "your" shoud not be interpreted, to expand an individua's responsibiity for an organization's iabiity. If this account is owned by a corporation, partnership or other organization, individua iabiity is determined by the aws generay appicabe to that type of organization. The headings in this document are for convenience or reference ony and wi not govern the interpretation of the provisions. Uness it woud be inconsistent to do so, words and phrases used in this document shoud be construed so the singuar incudes the pura and the pura incudes the singuar. "Party" means a person who, by the terms of an account, has a present right, subject to request, to payment from the account other than as a beneficiary or agent. LIABILITY-You agree, for yoursef (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedue of charges. You authorize us to deduct these charges, without notice to you, directy from the account baance as accrued. You wi pay additiona reasonabe charges for services you request which are not covered by this agreement. Each of you aso agrees to be jointy and severay (in soido) iabe for any account shortage resuting from charges or overdrafts, whether caused by you or another with access to this account. This iabiity is due immediatey, and can be deducted directy from the account baance whenever sufficient funds are avaiabe. You have no right to defer payment of this iabiity, and you are iabe regardess of whether you signed the item or benefited from the charge or overdraft. You wi be iabe for our costs as we as for our reasonabe attorneys' fees, to the extent permitted by aw, whether incurred as a resut of coection or in any other dispute invoving your account. This incudes, but is not imited to, disputes between you and another joint owner; you and an authorized signer or simiar party; or a third party caiming an interest in your account. This aso incudes any action that you or a third party takes regarding the account that causes us, in good faith, to seek the advice of an attorney, whether or not we become invoved in the dispute. A costs and attorneys' fees can be deducted from your account when they are incurred, without notice to you. DEPOSITS -We wi give ony provisiona credit unti coection is fina for any items, other than cash, we accept for deposit (incuding items drawn "on us"). Before settement of any item becomes fina, we act ony as your agent, regardess of the form of indorsement or ack of indorsement on the item and even though we provide you provisiona credit for the item. We may reverse any provisiona credit for items that are ost, stoen, or returned. Actua credit for deposits of, or payabe in, foreign currency wi be at the exchange rate in effect on fina coection in U.S. doars. We are not responsibe for transactions by mai or outside depository unti we actuay record them. We wi treat and record a transactions received after our "daiy cutoff time" on a business day we are open, or received on a day we are not open for business, as if initiated on the next business day that we are open. At our option, we may take an item for coection rather than for deposit. If we accept a third-party check for deposit, we may require any third-party indorsers to verify or guarantee their indorsements, or indorse in our presence. WITHDRAWALS - Generay -Uness ceary indicated otherwise on the account records, any of you, acting aone, who signs to open the account or has authority to make withdrawas may withdraw or transfer a or any part of the account baance at any time. Each of you (unti we receive written notice to the contrary) authorizes each other person who signs or has authority to makewithdrawas to indorse any item payabe to you or your order for deposit to this account or any other transaction with us. Postdated checks -A postdated check is one which bears a date ater than the date on which the check is written. We may propery pay and charge your account for a postdated check even though payment was made before the date of the check, uness we have received written notice of the postdating in time to have a reasonabe opportunity to act. Because we process checks mechanicay, your notice wi not be effective and we wi not be iabe for faiing to honor your notice uness it precisey identifies the number, date, amount and payee of the item. Checks and withdrawa rues -If you do not purchase your check banks from us, you must be certain that we approve the check banks you purchase. We may refuse any withdrawa or transfer request which you attempt on forms not approved by us or by any method we do not specificay permit. We may refuse any withdrawa or transfer request which is greater in number than the frequency permitted, or which is for an amount greater or ess than any withdrawa imitations. We wi use the date the transaction is competed by us (as opposed to the date you initiate it) to appy the frequency imitations. In addition, we may pace imitations on the account unti your identity is verified. Even if we honor a nonconforming request, we are not required to do so ater. If you vioate the stated transaction imitations (if any), in our discretion we may cose your account or recassify it as a transaction account. If we recassify your account, your account wi be subject to the fees and earnings rues of the new account cassification. If we are presented with an item drawn against your account that woud be a "substitute check," as defined by aw, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. See the funds avaiabiity poicy discosure for information about when you can withdraw funds you deposit. For those accounts to which our funds avaiabiity poicy discosure does not appy, you can ask us when you make a deposit when those funds wi be avaiabe for withdrawa. We may determine the amount of avaiabe funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in ieu of return. We need ony make one determination, but if we choose to make a subsequent determination, the account baance at the subsequent time wi determine whether there are insufficient avaiabe funds. Overdrafts - You understand that we may, at our discretion, honor withdrawa requests that overdraw your account. However, the fact that we may honor withdrawa requests that overdraw the account baance does not obigate us to do so ater. So you can NOT rey on us to pay overdrafts on your account regardess of how frequenty or under what circumstances we have paid overdrafts on your account in the past. We can change our practice of paying overdrafts on your account without notice to you. You can ask us if we have other account services that might be avaiabe to you where we commit to paying overdrafts under certain circumstances, such as an overdraft protection ine-of-credit or a pan to sweep funds from another account you have with us. You agree that we may charge fees for overdrafts, except for overdrafts caused by ATM withdrawas or one-time debit card transactions if you have not opted-in to that service. We may use subsequent deposits, incuding direct deposits of socia security or other government benefits, to cover such overdrafts and overdraft fees. Mutipe signatures, eectronic check conversion, and simiar transactions - An eectronic check conversion transaction is a transaction where a check or simiar item is converted into an eectronic fund transfer as defined in the Eectronic Fund Transfers reguation. In these types of transactions the check or simiar item is either removed from circuation (truncated) or given back to you. As a resut, we have no opportunity to review the check to examine the signatures on the item. You agree that, as to these or any items as to which we have no opportunity to examine the signatures, 1 LATC-1 REV 9/2013

6 you waive any requirement of mutipe signatures. Notice of withdrawa - We reserve the right to require not ess than 7 days' notice in writing before each withdrawa from an interest-bearing account other than a time deposit, or from any other savings account as defined by Reguation D. (The aw requires us to reserve this right, but it is not our genera poicy to use it.) Withdrawas from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaty. See your notice of penaty for eary withdrawa. OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rues appy to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individua Account - is an account in the name of one person. Joint Account - This is an account in the names of two or more persons. Any one of such persons, acting aone, has compete access to the account. Upon the death of any party to such account, we are permitted to pay the account baance to the surviving parties, but this authority protects us ony. The surviving joint parties may be iabe to the heirs, egatees, or creditors of the deceased party to the extent the funds withdrawn by the survivors were owed to the deceased. If any party to a joint account sends notice to us to prevent withdrawas from the account by another party or parties, we may require the party to withdraw the baance and cose the account or we may refuse to aow any further withdrawas from the account except upon the written consent of a parties to it. The remedy we choose is entirey at our discretion. Revocabe Trust or Pay-on-Death Account - If two or more of you create such an account, you own the account jointy and the respective interests of each of you sha be deemed equa, uness otherwise stated in our account records. Beneficiaries acquire the right to withdraw ony if: (1) a persons creating the account die, and 2) the beneficiary is then iving. If two or more beneficiaries are named and survive the death of a persons creating the account, such beneficiaries wi own this account in equa shares, uness otherwise stated in our account records. The person(s) creating either of these account types reserves the right to: (1) change beneficiaries, (2) change account types, and (3) withdraw a or part of the account funds at any time. BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in the form of interest, dividends, or credits wi be paid ony on coected funds, uness otherwise provided by aw or our poicy. You represent that you have the authority to open and conduct business on this account on behaf of the entity. We may require the governing body of the entity opening the account to give us a separate authorization teing us who is authorized to act on its behaf. We wi honor the authorization unti we actuay receive written notice of a change from the governing body of the entity. STOP PAYMENTS - Uness otherwise provided, the rues in this section cover stopping payment of items such as checks and drafts. Rues for stopping payment of other types of transfers of funds, such as consumer eectronic fund transfers, may be estabished by aw or our poicy. If we have not discosed these rues to you esewhere, you may ask us about those rues. We may accept an order to stop payment on any item from any one of you. You must make any stop-payment order in the manner required by aw and we must receive it in time to give us a reasonabe opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handed by computers, to be effective, your stop-payment order must precisey identify the number, date, and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generay, if your stop-payment order is given to us in writing it is effective for six months. Your order wi apse after that time if you do not renew the order in writing before the end of the six-month period. If the origina stop-payment order was verba your stop-payment order wi apse after 14 caendar days if you do not confirm your order in writing within that time period. We are not obigated to notify you when a stop-payment order expires. A reease of the stop-payment request may be made ony by the person who initiated the stop-payment order(if you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, incuding attorneys' fees. You assign to us a rights against the payee or any other hoder of the item. You agree to cooperate with us in any ega actions that we may take against such persons. You shoud be aware that anyone hoding the item may be entited to enforce payment against you despite the stop-payment order. Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item. Additiona imitations on our obigation to stop payment are provided by aw (e.g., we paid the item in cash or we certified the item). TELEPHONE TRANSFERS - A teephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generay appicabe to withdrawas made in writing. Uness a different imitation is discosed in writing, we restrict the number of transfers from a savings account to another account or to third parties, to a maximum of six per month (ess the number of "preauthorized transfers" during the month). Other account transfer restrictions may be described esewhere. AMENDMENTS AND TERMINATION - We may change any term of this agreement. Rues governing changes in interest rates are provided separatey in the Truth-in-Savings discosure or in another document. For other changes, we wi give you reasonabe notice in writing or by any other method permitted by aw. We may aso cose this account at any time upon reasonabe notice to you and tender of the account baance personay or by mai. Items presented for payment after the account is cosed may be dishonored. When you cose your account, you are responsibe for eaving enough money in the account to cover any outstanding items to be paid from the account. Reasonabe notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonabe for us to give you notice after the change or account cosure becomes effective. For instance, if we suspect frauduent activity with respect to your account, we might immediatey freeze or cose your account and then give you notice. You agree to keep us informed of your current address at a times. Notice from us to any one of you is notice to a of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term(s). STATEMENTS - Your duty to report unauthorized signatures, aterations and forgeries - You must examine your statement of account with "reasonabe promptness." If you discover (or reasonaby shoud have discovered) any unauthorized signatures or aterations, you must prompty notify us of the reevant facts. As between you and us, if you fai to do either of these duties, you wi have to either share the oss with us, or bear the oss entirey yoursef (depending on whether we used ordinary care and, if not, whether we substantiay contributed to the oss). The oss coud be not ony with respect to items on the statement but other items with unauthorized signatures or aterations by the same wrongdoer. You agree that the time you have to examine your statement and report to us wi depend on the circumstances, but wi not, in any circumstance, exceed a tota of 30 days from when the statement is first sent or made avaiabe to you. You further agree that if you fai to report any unauthorized signatures, aterations or forgeries in your account within 60 days of when we first send or make the statement avaiabe, you cannot assert a caim against us on any items in that statement, and as between you and us the oss wi be entirey yours. This 60-day imitation is without regard to whether we used ordinary care. The imitation in this paragraph is in addition to that contained in the first paragraph of this section. Your duty to report other errors - In addition to your duty to review your statements for unauthorized signatures, aterations and forgeries, you agree to examine your statement with reasonabe promptness for any other error - such as an encoding error. You agree that the time you have to examine your statement and report to us wi depend on the circumstances. However, such time period sha not exceed 60 days. Faiure to examine your statement and report any such errors to us within 60 days of when we first send or make the statement avaiabe precudes you from asserting a caim against us for any such errors on items identified in that statement and as between you and us the oss wi be entirey yours. Errors reating to eectronic fund transfers or substitute checks (For consumer accounts ony) - For information on errors reating to eectronic fund transfers (e.g., computer, debit card or ATM transactions) refer to your Eectronic Fund Transfers discosure and the sections on consumer iabiity and error resoution. For information on errors reating to a substitute check you received, refer to your discosure entited Substitute Checks and Your Rights. ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent. DIRECT DEPOSITS - If we are required for any reason to reimburse the federa government for a or any portion of a benefit payment that was directy deposited into your account, you authorize us to deduct the amount of our iabiity to the federa government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by aw. We may aso use any other ega remedy to recover the amount of our iabiity. TEMPORARY ACCOUNT AGREEMENT - If this option is seected, this is a temporary account agreement. Each person who signs to open the account or has authority to make withdrawas (except as indicated to the contrary) may transact business on this account. However, we may at some time in the future restrict or prohibit further use of this account if you fai to compy with the 2 LATC-2 REV 9/2013

7 requirements we have imposed within a reasonabe time. SETOFF - We may (without prior notice and when permitted by aw) set off the funds in this account against any due and payabe debt you owe us now or in the future, by any of you having the right of withdrawa, to the extent of such persons' or ega entity's right to withdraw. If the debt arises from a note, "any due and payabe debt" incudes the tota amount of which we are entited to demand payment under the terms of the note at the time we set off, incuding any baance the due date for which we propery acceerate under the note. This right of setoff does not appy to this account if prohibited by aw. For exampe, the right of setoff does not appy to this account if: (a) it is an Individua Retirement Account or simiar tax-deferred account, or (b) the debt is created by a consumer credit transaction under a credit card pan(but this does not affect our rights under any consensua security interest), or (c) the debtor's right of withdrawa ony arises in a representative capacity. We wi not be iabe for the dishonor of any check when the dishonor occurs because we set off a debt against this account. You agree to hod us harmess from any caim arising as a resut of our exercise of our right of setoff. AUTHORIZED SIGNER (Agent) (Individua Accounts ony) - A singe individua is the owner. The authorized signer (hereinafter "agent") is merey designated to conduct transactions on the owner's behaf. The owner does not give up any rights to act on the account, and the agent may not in any manner affect the rights of the owner or beneficiaries, if any, other than by withdrawing funds from the account. The owner is responsibe for any transactions of the agent. We undertake no obigation to monitor transactions to determine that they are on the owner's behaf. It is important that you confine the indorsement information to this area since The owner may terminate the agency at any time, and the agency is the remaining bank space wi be used by others in the processing of the automaticay terminated by the death of the owner. However, we may continue check to pace additiona needed indorsements and information. You agree to honor the transactions of the agent unti: (a) we have received written notice that you wi indemnify, defend, and hod us harmess for any oss, iabiity, or have actua knowedge of the termination of the agency, and (b) we have a damage or expense that occurs because your indorsement, another reasonabe opportunity to act on that notice or knowedge. We may refuse to indorsement or information you have printed on the back of the check accept the designation of an agent. obscures our indorsement. RESTRICTIVE LEGENDS - The automated processing of the arge voume of These indorsement guideines appy to both persona and business checks. checks we receive prevents us from inspecting or ooking for specia DEATH OR INCOMPETENCE - You agree to notify us prompty if any person instructions or "restrictive egends" on every check. Exampes of restrictive with a right to withdraw funds from your account(s) dies or becomes egay egends paced on checks are "must be presented within 90 days" or "not vaid incompetent. We may continue to honor your checks, items, and instructions for more than $1, " For this reason, we are not required to honor any unti: (a) we know of your death or incompetence, and (b) we have had a restrictive egend paced on checks you write uness we have agreed in writing reasonabe opportunity to act on that knowedge. You agree that we may pay to the restriction. We are not responsibe for any osses, caims, damages, or or certify checks drawn on or before the date of death or ega incompetence expenses that resut from your pacement of these or other specia instructions for up to ten (10) days after your death or ega incompetence uness ordered on your checks. to stop payment by someone caiming an interest in the account. FACSIMILE SIGNATURES - Uness you make advance arrangements with us, FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a we have no obigation to honor facsimie signatures on your checks or other fiduciary capacity. A fiduciary is someone who is appointed to act on behaf of orders. If we do agree to honor items containing facsimie signatures, you and for the benefit of another. This account may be authorize us, at any time, to charge you for a checks, drafts, or other orders, opened and maintained by a person or persons named as a trustee under a for the payment of money, that are drawn on us. You give us this authority written trust agreement, or as executors, administrators, or conservators under regardess of by whom or by what means the facsimie signature(s) may have court orders. You understand that by merey opening such an account, we are been affixed so ong as they resembe the facsimie signature specimen fied not acting in the capacity of a trustee in connection with the trust nor do we with us, and contain the required number of signatures for this purpose. You undertake any obigation to monitor or enforce the terms of the trust or etters. must notify us at once if you suspect that your facsimie signature is being or CREDIT VERIFICATION - You agree that we may verify credit and has been misused. empoyment history by any necessary means, incuding preparation of a credit CHECK PROCESSING - We process items mechanicay by reying soey on report by a credit reporting agency. the information encoded in magnetic ink aong the bottom of the items. This LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a means that we do not individuay examine a of your items to determine if the subpoena, restraining order, writ of attachment or execution, evy, item is propery competed, signed and indorsed or to determine if it contains garnishment, search warrant, or simiar order reating to your account (termed any information other than what is encoded in magnetic ink. You agree that we "ega action" in this section), we wi compy with that ega action. Or, in our have not faied to exercise ordinary care soey because we use our automated discretion, we may freeze the assets in the account and not aow any system to process items and do not inspect a items processed in such a payments out of the account unti a fina court determination regarding the manner. Using an automated process heps us keep costs down for you and ega action. We may do these things even if the ega action invoves ess a account hoders. than a of you. In these cases, we wi not have any iabiity to you if there are CHECK CASHING - We may charge a fee for anyone that does not have an insufficient funds to pay your items because we have withdrawn funds from account with us who is cashing a check, draft or other instrument written on your account or in any way restricted access to your funds in accordance with your account. We may aso require reasonabe identification to cash such a the ega action. Any fees or expenses we incur in responding to any ega check, draft or other instrument. We can decide what identification is action (incuding, without imitation, attorneys' fees and our interna expenses) reasonabe under the circumstances and such identification may be may be charged against your account. The ist of fees appicabe to your documentary or physica and may incude coecting a thumbprint or fingerprint. account(s) provided esewhere may specify additiona fees that we may INDORSEMENTS - We may accept for deposit any item payabe to you or your charge for certain ega actions. order, even if they are not indorsed by you. We may give cash back to any one SECURITY - It is your responsibiity to protect the account numbers and of you. We may suppy any missing indorsement(s) for any item we accept for eectronic access devices (e.g., an ATM card) we provide you for your deposit or coection, and you warrant that a indorsements are genuine. account(s). Do not discuss, compare, or share information about your account To ensure that your check or share draft is processed without deay, you must number(s) with anyone uness you are wiing to give them fu use of your indorse it (sign it on the back) in a specific area. Your entire indorsement money. An account number can be used by thieves to encode your number on (whether a signature or a stamp) aong with any other indorsement a fase demand draft which ooks ike and functions ike an authorized check. If information (e.g. additiona indorsements, ID information, driver's icense you furnish your access device and grant actua authority to make transfers number, etc.) must fa within 11/2" of the "traiing edge" of a check. to another person (a famiy member or coworker, for exampe) who then Indorsements must be made in bue or back ink, so that they are readabe. exceeds that authority, you are iabe for the transfers uness we have been As you ook at the front of a check, the "traiing edge" is the eft edge. When notified that transfers by that person are no onger authorized. you fip the check over, be sure to keep a indorsement information within 11/2" Your account number can aso be used to eectronicay remove money from of that edge. your account. If you provide your account number in response to a teephone 3 LATC-3 REV 9/2013

8 soicitation for the purpose of making a transfer (to purchase a service or merchandise, for exampe), payment can be made from your account even though you did not contact us directy and order the payment. You must aso take precaution in safeguarding your bank checks. Notify us at once if you beieve your checks have been ost or stoen. As between you and us, if you are negigent in safeguarding your checks, you must bear the oss entirey yoursef or share the oss with us (we may have to share some of the oss if we faied to use ordinary care and if we substantiay contributed to the oss). You agree that if we offer you services appropriate for your account to hep identify and imit fraud or other unauthorized transactions against your account, such as positive pay or commerciay reasonabe security procedures, and you reject those services, you wi be responsibe for any frauduent or unauthorized transactions which coud have been prevented by the services we offered, uness we acted in bad faith or to the extent our negigence contributed to the oss. TELEPHONIC INSTRUCTIONS - Uness required by aw or we have agreed otherwise in writing, we are not required to act upon instructions you give us via facsimie transmission or eave by voice mai or on a teephone answering machine. CLAIM OF LOSS - If you caim a credit or refund because of a forgery, ateration, or any other unauthorized withdrawa, you agree to cooperate with us in the investigation of the oss, incuding giving us an affidavit containing whatever reasonabe information we require concerning your account, the transaction, and the circumstances surrounding the oss. You wi notify aw enforcement authorities of any crimina act reated to the caim of ost, missing, or stoen checks or unauthorized withdrawas. We wi have a reasonabe period of time to investigate the facts and circumstances surrounding any caim of oss. Uness we have acted in bad faith, we wi not be iabe for specia or consequentia damages, incuding oss of profits or opportunity, or for attorneys' fees incurred by you. You agree that you wi not waive any rights you have to recover your oss against anyone who is obigated to repay, insure, or otherwise reimburse you for your oss. You wi pursue your rights or, at our option, assign them to us so that we may pursue them. Our iabiity wi be reduced by the amount you recover or are entited to recover from these other sources. EARLY WITHDRAWAL PENALTIES (and invountary withdrawas) - We may impose eary withdrawa penaties on a withdrawa from a time account even if you don't initiate the withdrawa. For instance, the eary withdrawa penaty may be imposed if the withdrawa is caused by our setoff against funds in the account or as a resut of an attachment or other ega process. We may cose your account and impose the eary withdrawa penaty on the entire account baance in the event of a partia eary withdrawa. See your notice of penaty for eary withdrawas for additiona information. ADDRESS OR NAME CHANGES - You are responsibe for notifying us of any change in your address or your name. Uness we agree otherwise, change of address or name must be made in writing by at east one of the account hoders. Informing us of your address or name change on a check reorder form is not sufficient. We wi attempt to communicate with you ony by use of the most recent address you have provided to us. If provided esewhere, we may impose a service fee if we attempt to ocate you. RESOLVING ACCOUNT DISPUTES - We may pace an administrative hod on the funds in your account (refuse payment or withdrawa of the funds) if it becomes subject to a caim adverse to (1) your own interest; (2) others caiming an interest as survivors or beneficiaries of your account; or (3) a caim arising by operation of aw. The hod may be paced for such period of time as we beieve reasonaby necessary to aow a ega proceeding to determine the merits of the caim or unti we receive evidence satisfactory to us that the dispute has been resoved. We wi not be iabe for any items that are dishonored as a consequence of pacing a hod on funds in your account for these reasons. WAIVER OF NOTICES - You waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your account. ACH AND WIRE TRANSFERS - This agreement is subject to Artice 4A of the Uniform Commercia Code - Fund Transfers as adopted in the state in which you have your account with us. If you originate a fund transfer and you identify by name and number a beneficiary financia institution, an intermediary financia institution or a beneficiary, we and every receiving or beneficiary financia institution may rey on the identifying number to make payment. We may rey on the number even if it identifies a financia institution, person or account other than the one named. You agree to be bound by automated cearing house association rues. These rues provide, among other things, that payments made to you, or originated by you, are provisiona unti fina settement is made through a Federa Reserve Bank or payment is otherwise made as provided in Artice 4A-403(a) of the Uniform Commercia Code. If we do not receive such payment, we are entited to a refund from you in the amount credited to your account and the party originating such payment wi not be considered to have paid the amount so credited. If we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit. TRUNCATION, SUBSTITUTE CHECKS, AND OTHER CHECK IMAGES - If you truncate an origina check and create a substitute check, or other paper or eectronic image of the origina check, you warrant that no one wi be asked to make payment on the origina check, a substitute check or any other eectronic or paper image, if the payment obigation reating to the origina check has aready been paid. You aso warrant that any substitute check you create conforms to the ega requirements and generay accepted specifications for substitute checks. You agree to retain the origina check in conformance with our interna poicy for retaining origina checks. You agree to indemnify us for any oss we may incur as a resut of any truncated check transaction you initiate. We can refuse to accept substitute checks that have not previousy been warranted by a bank or other financia institution in conformance with the Check 21 Act. Uness specificay stated in a separate agreement between you and us, we do not have to accept any other eectronic or paper image of an origina check. REMOTELY CREATED CHECKS - Like any standard check or draft, a remotey created check (sometimes caed a teecheck, preauthorized draft or demand draft) is a check or draft that can be used to withdraw money from an account. Unike a typica check or draft, however, a remotey created check is not issued by the paying bank and does not contain the signature of the account owner (or a signature purported to be the signature of the account owner). In pace of a signature, the check usuay has a statement that the owner authorized the check or has the owner's name typed or printed on the signature ine. For exampe, if a person provides an account number in response to a teephone soicitation, the teephone soicitor can use the account number to issue a remotey created check to withdraw money from that account. You warrant and agree to the foowing for every remotey created check we receive from you for deposit or coection: (1) you have received express and verifiabe authorization to create the check in the amount and to the payee that appears on the check; (2) you wi maintain proof of the authorization for at east 2 years from the date of the authorization, and suppy us the proof if we ask; and (3) if a check is returned you owe us the amount of the check, regardess of when the check is returned. We may take funds from your account to pay the amount you owe us, and if there are insufficient funds in your account, you sti owe us the remaining baance. UNLAWFUL INTERNET GAMBLING NOTICE - Restricted transactions as defined in Federa Reserve Reguation GG are prohibited from being processed through this account or reationship. Restricted transactions generay incude, but are not imited to, those in which credit, eectronic fund transfers, checks, or drafts are knowingy accepted by gambing businesses in connection with the participation by others in unawfu Internet gambing GULF COAST BANK AND TRUST COMPANY 200 ST. CHARLES AVE NEW ORLEANS LA , 2009 Woters Kuwer Financia Services - Bankers Systems Form TC-BRO 10/1/2012 TCM-20p 4 LATC-4 REV 9/2013

9 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy to your account. Some of these may not be avaiabe at a terminas. Pease read this discosure carefuy because it tes you your rights and obigations for these transactions. You shoud keep this notice for future reference. TYPES OF TRANSFERS, FREQUENCY AND DOLLAR Get checking account(s) information LIMITATIONS Get savings account(s) information (a) Prearranged Transfers. Some of these services may not be avaiabe at a terminas. Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your (d) Point-Of-Sae Transactions. checking and/or savings account(s). Using your card: Preauthorized payments. You may make You may access your checking account arrangements to pay certain recurring bis from your account(s) to purchase checking and/or savings account(s). goods ( in person, by phone, by computer), pay for services ( in person, by phone, by computer), get cash from a merchant, if the (b) Teephone Transfers. You may access your account(s) merchant permits, or from a participating financia by teephone at institution, and do anything that a participating using a touch tone phone, your account numbers, and merchant wi accept. Your Persona Identification Number to: You may not exceed more than $ $3,000 in Transfer funds from checking to savings transactions per day on pin based transactions. The. Transfer funds from savings to checking amount on hod for signature based transactions combined with Transfer funds from oan accounts pin based transactions can not exceed $3, to checking Transfer funds from oan accounts (e) Computer Transfers. You may access your account(s) to savings by computer by visiting Make payments from checking to oan accounts with us Make payments from savings to oan accounts with us Make payments from to Get checking account(s) information Get savings account(s) information (c) ATM Transfers. You may access your account(s) by ATM using your ATM and/or Debit Card and persona identification number to: Make deposits to checking accounts Make deposits to savings accounts Get cash withdrawas from checking accounts you may withdraw no more than $ per day Get cash withdrawas from savings accounts you may withdraw no more than $ per day Transfer funds from savings to checking Transfer funds from checking to savings Transfer funds from to Make payments from checking account to Make payments from to X and using your to: Transfer funds from checking to savings Transfer funds from savings to checking Transfer funds from your account with Guf Coast Bank to your account with another financia institution Transfer funds from to Make payments from checking to oan accounts with us Make payments from your account with Guf Coast Bank to Pay Bis Make payments from your account with Guf Coast Bank to pay individuas Get checking account(s) information Get savings account(s) information user name and password Transfer funds from your account with another institution to your account with Guf Coast Bank Transfer funds from checking to checking and from savings to savings Eectronic Bankers Systems Fund Transfers Discosure ETM-2-LAZ 10/18/2014 * VMP, Woters Kuwer Financia Services Page 1 of 5

10 (f) Mobie Banking Transfers. You may access your account(s) by web-enabed ce phone by registering for mobie banking at gufbank.com and using your access ID, PIN #, and unique password ink to: Transfer funds from checking to savings Transfer funds from savings to checking Transfer funds from checking to checking Transfer funds from savings to savings Make payments from checking to oan accounts with us Make payments from to Make payments from to Get checking account(s) information Get savings account(s) information Locate a branch or ATM some other method) to trusted third parties whom you have authorized to initiate these eectronic fund transfers. Exampes of these transfers incude, but are not imited to: Eectronic check conversion. You may authorize a merchant or other payee to make a one-time eectronic payment from your checking account using information from your check to pay for purchases or pay bis. You may: Not exceed more than by eectronic check per payments. Make payments by eectronic check from.paymentsare imited to per. Eectronic returned check charge. You may authorize a merchant or other payee to initiate an eectronic fund transfer to coect a charge in the event a check is returned for insufficient funds. You may: Make no more than payments per for eectronic payment of charges for checks returned for insufficient funds. Make eectronic payment of charges for checks returned for insufficient funds from.paymentsare imited to per. You may be charged access fees by your ce phone provider based on your individua pan. Web access is needed to use this service. Check with your ce phone provider for detais on specific fees and charges. (g) Eectronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate eectronic fund transfers between your account and the third party' s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Cearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For exampe, your authorization to convert a check to an eectronic fund transfer or to eectronicay pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typicay, at the point of purchase, a merchant wi post a sign and print the notice on a receipt). In a cases, these third party transfers wi require you to provide the third party with your account number and financia institution information. This information can be found on your check as we as on a deposit or withdrawa sip. Thus, you shoud ony provide your financia institution and account information (whether over the phone, the Internet, or via GENERAL LIMITATIONS In addition to those imitations on transfers esewhere described, if any, the foowing imitations appy: Transfers or withdrawas from a savings or money market account to another account of yours or to a third party by means of a preauthorized or automatic transfer or teephone order or instruction, computer transfer, or by check, draft, debit card or simiar order to a third party, are imited to monthy statement cyce per. If you exceed the transfer imitations set forth above, your account sha be subject to cosure. 6 Eectronic Fund Transfers Discosure ETM-2-LAZ 10/18/2014 Bankers Systems * VMP, Woters Kuwer Financia Services Page 2 of 5

11 FEES We charge We charge each $2.00 for transfer sent from our customer' s Guf Coast Bank checking account to their account at another financia institution (A2A) each but ony if the baance in the fas beow during the. We charge $.50 for each transfer made to our customers whose accounts are set up to use Popmoney. Except as indicated above, we do not charge for Eectronic Fund Transfers. ATM Operator/Network Fees: When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a baance inquiry even if you do not compete a fund transfer). DOCUMENTATION (a) Termina Transfers. Youcangetareceiptatthetime you make a transfer to or from your account using a(n) automated teer machine point-of-sae termina. You may not get a receipt if the amount of the transfer is $15 or ess. (b) Preauthorized Credits. Ifyouhavearrangedtohave direct deposits made to your account at east once every 60 days from the same person or company, you can ca us at the teephone number isted beow to find out whether or not the deposit has been made. (c) In addition, You wi get a monthy account statement from us, uness there are no transfers in a particuar month. In any case you wi get a statement at east quartery. You wi get a quartery statement from us on your savings account if the ony possibe eectronic transfer to or from the account is a preauthorized credit. If you bring your passbook to us, we wi record any eectronic deposits that were made to your account since the ast time you brought in your passbook.. PREAUTHORIZED PAYMENTS (a) Right to stop payment and procedure for doing so. If you have tod us in advance to make reguar payments out of your account, you can stop any of these payments. Here' s how: Ca or write us at the teephone number or address isted in this discosure, in time for us to receive your request 3 business days or more before the payment is schedued to be made. If you ca, we may aso require you to put your request in writing and get it to us within 14 days after you ca. We charge $45 for each stop payment. (b) Notice of varying amounts. If these reguar payments may vary in amount, the person you are going to pay wi te you, 10 days before each payment, when it wi be made and how much it wi be. (You may choose instead to get this notice ony when the payment woud differ by more than a certain amount from the previous payment, or when the amount woud fa outside certain imits that you set.) (c) Liabiity for faiure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is schedued, and we do not do so, we wi be iabe for your osses or damages. FINANCIAL INSTITUTION' S LIABILITY (a) Liabiity for faiure to make transfers. If we do not compete a transfer to or from your account on time or in the correct amount according to our agreement with you, we wi be iabe for your osses or damages. However, there are some exceptions. We wi not be iabe, for instance: If, through no faut of ours, you do not have enough money in your account to make the transfer. If the transfer woud go over the credit imit on your overdraft ine. If the automated teer machine where you are making the transfer does not have enough cash. If the termina or system was not working propery and you knew about the breakdown when you started the transfer. If circumstances beyond our contro (such as fire or food) prevent the transfer, despite reasonabe precautions that we have taken. There may be other exceptions stated in our agreement with you. CONFIDENTIALITY We wi discose information to third parties about your account or the transfers you make: (1) where it is necessary for competing 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 compy with government agency or court orders; or (4) if you give us written permission. as expained in the separate Privacy Discosure. Eectronic Fund Transfers Discosure ETM-2-LAZ 10/18/2014 Bankers Systems * VMP, Woters Kuwer Financia Services 2014 Page 3 of 5 -

12 UNAUTHORIZED TRANSFERS (a) Consumer Liabiity. Te us at once if you beieve your card and/or code has been ost or stoen, or if you beieve that an eectronic fund transfer has been made without your permission using information from your check. Teephoning is the best way of keeping your possibe osses down. You coud ose a the money in your account (pus your maximum overdraft ine of credit). If you te us within 2 business days after you earn of the oss or theft of your card and/or code, you can ose no more than $50 if someone used your card and/or code without your permission. Aso, if you do NOT te us within 2 business days after you earn of the oss or theft of your card and/or code, and we can prove we coud have stopped someone from using your card and/or code without your permission if you had tod us, you coud ose as much as $500. Aso, if your statement shows transfers that you did not make, incuding those made by card, code or other means, te us at once. If you do not te us within 60 days after the statement was maied to you, you may not get back any money you ost after the 60 days if we can prove that we coud have stopped someone from taking the money if you had tod us in time. If a good reason (such as a ong trip or a hospita stay) kept you from teing us, we wi extend the time period. Visa, Debit Card. Additiona Limits on Liabiity for. Uness you have been grossy negigent or have engaged in fraud, you wi not be iabe for any unauthorized transactions using your ost or stoen Visa card. This additiona imit on iabiity does not appy to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Pus networks, or to transactions using your Persona Identification Number which are not processed by Visa. Visa is a registered trademark of Visa Internationa Service Association. MasterCard, Debit Card. Additiona Limits on Liabiity for your MasterCard debit card. You wi not be iabe for any unauthorized transactions using your MasterCard debit card if: (i) you can demonstrate that you have exercised reasonabe care in safeguarding your card from the risk of oss or theft, and (ii) upon becoming aware of a oss or theft, you prompty report the oss or theft to us. MasterCard is a registered trademark of MasterCard Internationa Incorporated. (b) Contact in event of unauthorized transfer. If you beieve your card and/or code has been ost or stoen, ca or write us at the teephone number or address isted at the end of this discosure. You shoud aso ca the number or write to the address isted at the end of this discosure if you beieve a transfer has been made using the information from your check without your permission. ERROR RESOLUTION NOTICE In Case of Errors or Questions About Your Eectronic Transfers, Ca or Write us at the teephone number or address isted beow, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer isted on the statement or receipt. We must hear from you no ater than 60 days after we sent the FIRST statement on which the probem or error appeared. (1) (2) Te us your name and account number (if any). Describe the error or the transfer you are unsure about, and expain as ceary as you can why you beieve it is an error or why you need more information. (3) Te us the doar amount of the suspected error. If you te us oray, we may require that you send us your compaint or question in writing within 10 business days. We wi determine whether an error occurred within 10 business days (5 business days if invoving a Visa, point-of-sae transaction processed by Visa or 20 business days if the transfer invoved a new account) after we hear from you and wi correct any error prompty. If we need more time, however, we may take up to 45 days (90 days if the transfer invoved a new account, a point-of-sae transaction, or a foreign-initiated transfer) to investigate your compaint or question. If we decide to do this, we wi credit your account within 10 business days (5 business days if invoving a Visa point-of-sae transaction processed by Visa or 20 business days if the transfer invoved a new account) for the amount you think is in error, so that you wi have the use of the money during the time it takes us to compete our investigation. If we ask you to put your compaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. We wi te you the resuts within three business days after competing our investigation. If we decide that there was no error, we wi send you a written expanation. You may ask for copies of the documents that we used in our investigation. Eectronic Fund Transfers Discosure ETM-2-LAZ 10/18/2014 Bankers Systems * VMP, Woters Kuwer Financia Services 2014 Page 4 of 5 -

13 ADDITIONAL INFORMATION: ATM Fees. When you use a ATM not owned by us, you may be charged a fee by the ATM operator or network. You may be charged a fee for a baance inquiry even if you do not compete a fund transfer. If you meet monthy quaifications for Interest Checking or Interest Checking Combo, those ATM fees of $4.99 or ess per withdrawa wi be reimbursed up to a maximum of $25.00 per monthy quaification cyce.no reimbursement wi be made if the ATM fee is $5.00 or greater. NOTE: ATM withdrawas do not count as quaifying debit card transactions for purposes of earning a higher Annua Percentage Yied and ATM refunds within the Interest Checking or Interest Checking Combo accounts. By signing beow customer acknowedges receipt of pages 1, 2, 3, 4 and 5 of this notice: Signed Dated INSTITUTION (name, address, teephone number, business days) GULF COAST BANK AND TRUST CO 200 ST CHARLES AVE NEW ORLEANS, LA (800) Our business days are Monday - Friday excuding federa hoidays. Eectronic Fund Transfers Discosure ETM-2-LAZ 10/18/2014 Bankers Systems * VMP, Woters Kuwer Financia Services 2014 Page 5 of 5 -

14 rev. December 2010 FACTS Why? What? How? WHAT DOES GULF COAST BANK AND TRUST CO INC DO WITH YOUR PERSONAL INFORMATION? Financia companies choose how they share your persona information. Federa aw give consumers the right to imit some but not a sharing. Federa aw aso requires us to te you how we coect, share, and protect your persona information. Pease read this notice carefuy to understand what we do. The types of persona information we coect and share depend on the product or service you have with us. This information can incude: Socia Security number and income Account baances and account transactions Credit history and payment history When you are no onger our customer, we continue to share your information as described in this notice. A financia companies need to share customers' persona information to run their everyday business. In the section beow, we ist the reasons financia companies can share their customers' persona information; the reasons Guf Coast Bank and Trust chooses to share; and whether you can imit this sharing. Reasons we can share your persona information For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and ega investigations, or report to credit bureaus For our marketing purposes - to offer our products and services to you For joint marketing with other financia companies For our affiiates' everyday business purposes - information about your transactions and experiences For our affiiates' everyday business purposes - information about your creditworthiness Does Guf Coast Bank and Trust share? Yes Yes Yes No No Can you imit this sharing? No No No We don't share We don't share For nonaffiiates to market to you No We don't share Questions? Ca or go to

15 rev. December 2010 Page 2 What we do How does Guf Coast Bank and Trust protect my persona information? To protect your persona information from unauthorized access and use, we use security measures that compy with federa aw. These measures incude computer safeguards and secured fies and buidings. How does Guf Coast Bank and Trust coect my persona information? Why can't I imit a sharing? We coect your persona information, for exampe, when you Open an account or make deposits or withdrawas from your account Pay your bis or appy for a oan Use your credit card or debit card We may aso coect your persona information from others, such as credit bureaus, affiiates or other companies Federa aw gives you the right to imit ony sharing for affiiates'everyday business purposes - information about your creditworthiness affiiates from using your information to market to you sharing for nonaffiiates to market to you State aws and individua companies may give you additiona rights to imit sharing. Definitions Affiiates Nonaffiiates Companies reated by common ownership or contro. They can be financia and nonfinancia companies. Guf Coast Bank and Trust does not share persona information with affiiates Companies not reated by common ownership or contro. They can be financia and nonfinancia companies. Guf Coast Bank and Trust does not share with nonafiiates so they can market to you. Joint marketing A forma agreement between nonaffiiated financia companies that together market financia products or services to you. Our joint marketing partners incude financia investment companies.

16 What is a substitute check? IMPORTANT INFORMATION ABOUT YOUR CHECKING ACCOUNT Substitute Checks and Your Rights To make check processing faster, federa aw permits banks to repace origina checks w ith " substitute checks." These checks are simiar in size to origina checks with a sighty reduced image of the front and back of the origina check. The front of a substitute check states: " This is a ega copy of your check. You can use it the same way you woud use the origina check." You may use a substitute check as proof of payment just ike the origina check. Some or a of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not appy to origina checks or to eectronic debits to your account. How ever, you have rights under other aw w ith respect to those transactions. What are my rights regarding substitute checks? In certain cases, federa aw provides a specia procedure that aows you to request a refund for osses you suffer if a substitute check is posted to your account (for exampe, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The osses you may attempt to recover under this procedure may incude the amount that was withdrawn from your account and fees that were charged as a resut of the withdrawa (for exampe, bounced check fees). The amount of your refund under this procedure is imited to the amount of your oss or the amount of the substitute check, whichever is ess. You aso are entited to interest on the amount of your refund if your account is an interest-bearing account. If your oss exceeds the amount of the substitute check, you may be abe to recover additiona amounts under other aw. If you use this procedure, you may receive up to $2, of your refund (pus interest if your account earns interest) within 10 business days after we received your caim and the remainder of your refund (pus interest if your account earns interest) not ater than 45th caendar days after w e received your caim. We may reverse the refund (incuding any interest on the refund) if we ater are abe to demonstrate that the substitute check w as correcty posted to your account. How do I make a caim for a refund? If you beieve that you have suffered a oss reating to a substitute check that you received and that was posted to your account, pease contact us at: Guf Coast Bank & Trust Company Attn: Deposit Services Department 5001 Veterans Bvd Metairie, LA You must contact us within 40 caendar days of the date that we maied (or otherwise deivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is ater. We wi extend this time period if you were not abe to make a timey caim because of extraordinary circumstances. Your caim must incude f A description of why you have suffered a oss (for exampe, you think the amount withdrawn was incorrect); An estimate of the amount of your oss; An expanation of why the substitute check you received is insufficient to confirm that you suffered a oss; and A copy of the substitute check or the foowing information to hep us identify the substitute check: - Any additiona information that the bank deems necessary (the check number, the name of person to whom you wrote the check, etc.) to aow the bank to investigate the caim. Bankers Systems, Inc., St. Coud, MN Form C21-DISC-LAZ 8/27/2004 (page 1 of 1).

17 Notice of Discosure for Services and Fees **These fees are effective November 1, 2015 Coffee and good advice... Free Community Cash ATM Inquiry... Free Community Cash ATM transactions... Free 24-hour Coasta Connection response ine... Free Onine gufbank.com... Free Onine Bi gufbank.com... Free estatement... Free Currency Provided (per $100)... $.10 Coin Provided (per ro)... $.10 Coin/Currency deposited (per 1,000)... $1.00 Counter/Temporary Checks (5)...$1.00 Deposit or check copy... $3.00 Money Orders... $3.00 Account Activity Printout... $3.85 Paper Statement... $3.85 Statement (Dupicate Copy)... $3.85 Cashiers Checks... $5.00 ATM/Debit Card (repacement card)... $5.00 Inactive/Dormant Account Fee... $5.00 Deposited check/item returned unpaid...$5.00 Teephone Transfer Fee...$5.00 Return Statement Fee... $5.00 Account cosed by mai... $10.00 Eary Coseout Fee (savings < 6 months)... $10.00 Loan payment by phone...$10.00 Savings/Money Market OD Transfer*... $10.00 Incoming Wire Transfer (domestic)... $25.00 Outgoing Wire Transfer (domestic)... $25.00 Coection Item... $25.00 NSF Preauthorization Fee...$30.00 NSF/Overdraft Paid Fee (per presented item)**... $34.00 NSF/Overdraft Return Fee (per presented item)**... $34.00 Account Research (per hour)... $35.00 Subpoena (per hour/one hour minimum)... $35.00 Stop Payments... $45.00 Incoming Wire Transfer (foreign)... $45.00 Outgoing Wire Transfer (foreign)... $45.00 ATM/Debit Card Rush Order... $45.00 Money Service Business Monitoring Fee... $ Internationa Exchange rate for MasterCard transactions processed outside of the US are based on the whoesae currency market rates or the government mandated rate in effect on the day of settement. The above fees may be assessed against your account at the time you request an additiona service. *Fee wi be charged each day a transfer occurs. **The fee appies to overdrafts created by check, in-person withdrawa, ATM withdrawa or other eectronic means each time the item is presented for payment. We wi not charge an NSF/Overdraft fee if your account baance is overdrawn $25.00 or ess. FEEDISC REV 10/15