Electronic Disclosure Consent

Disclosures that we may provide in an electronic format include but are not limited to the following: monthly account statements, deposit account disclosures, changes in account terms, notice of fee changes, and privacy notices.

1. How to Obtain Electronic Disclosures (E-Disclosures)

We will always post the most current Internet Banking and Bill Pay Agreement on our website. If any amendment to these agreements results in an adverse affect upon our customers, we will provide at least 30 days prior notice.

We may also send customers an email and/or secure message through our Internet Banking and Bill Pay Service that tells you where disclosures and/or account statements can be viewed on our website. In the future, we may also send certain disclosures as an email or message attachment.

You may download or print electronic notices and disclosures from your computer if you have the hardware and software described below. You can also save copies to your hard drive or other media for viewing and printing at a later time.

If you need help printing or if you need a paper copy

  • Send us a secure email through the Internet Banking Service, or
  • Call us at 1 (888) 234-4994, or
  • Inform us in person at any one of our offices, or
  • Send us a letter via U.S. mail to: P. O. Box 199, St. Martinville, LA 70582

Please do not send confidential information to us through email.

If you send us a secure message or write us a letter, please be sure to identify yourself and your account. Also include a means of contacting you.

2. System and Equipment Requirements

Prior to accepting electronic delivery of disclosures, you should verify that you have the required hardware and software necessary to access and retain documents and disclosures in an electronic format.

The privacy of communications between you (your browser) and our servers is ensured via encryption. Encryption scrambles messages exchanged between your browser and our online banking server.

How Encryption Works

  • When visiting our online banking sign-on page, your browser establishes a secure session with our server.
  • The secure session is established using a protocol called Secure Sockets Layer (SSL) Encryption. This protocol requires the exchange of what are called public and private keys.
  • Keys are random numbers chosen for that session and are only known between your browser and our server. Once keys are exchanged, your browser will use the numbers to scramble (encrypt) the messages sent between your browser and our server.
  • Both sides require the keys because they need to descramble (decrypt) messages received. The SSL protocol assures privacy, but also ensures no other website can "impersonate" your financial institution's website, nor alter information sent.
  • To learn whether your browser is in secure mode, look for the secured lock symbol at the bottom of your browser window.

Encryption Level

The numbers used as encryption keys are similar to combination locks. The strength of encryption is based on the number of possible combinations a lock can have. The more possible combinations, the less likely someone could guess the combination to decrypt the message.

For your protection, our servers require the browser to connect at 128-bit encryption (versus the less-secure 40-bit encryption). Users will be unable to access online banking functions at lesser encryption levels. This may require some end users to upgrade their browser to the stronger encryption level.

To determine if your browser supports 128-bit encryption:

  • Click "Help" in the toolbar of your Internet browser
  • Click on "About [browser name]"
  • A pop-up box or window will appear
  • For Internet Explorer: next to "Cipher strength" you should see "128-bit"
  • For Netscape: you should see "This version supports high-grade (128-bit) security with RSA Public Key Cryptography"
  • If your browser does not support 128-bit encryption, you must upgrade to continue to access the websites secure pages
  • Firefox
  • Safari

After you have determined that your browser supports 128-bit encryption, you will need:

  • Internet Access
  • A computer and Internet browser that can support 128-bit encryption
  • For security purposes, you should use the most current browser version of either: Microsoft Internet Explorer, Netscape Navigator/Communicator, or other browser that supports at least 128-bit encryption. The most current browser versions are typically more secure and will support 128 bit encryption
  • A printer connected to your computer to print or download disclosures
  • Sufficient hard-drive space or other media (e.g. floppy disk or CD) if you plan to save disclosures in an electronic format.
  • An external email address

We may revise hardware and software requirements, and if there is a material chance that the changes may impact your ability to access the disclosures we will notify you of these changes thirty (30) days in advance and provide you an opportunity to change your method of receiving disclosures (e.g. change to paper format vs. an electronic format) without the imposition of any fees.

3. Cancellation of E-Disclosures

If you want to cancel e-disclosures or change to a paper delivery format you must:

  • Send us a secure email through the Internet Banking Service, or
  • Call us at (888) 234-4994, or
  • Inform us in person at any one of our offices, or
  • Send us a letter via U.S. mail to: P. O. Box 199, St. Martinville, LA 70582

Please do not send confidential information to us through email.

If you send us a secure message or write us a letter, please be sure to identify yourself and the accounts that you want withdrawn from electronic delivery authorization. If you withdraw from e-disclosures, we may cancel your Internet Banking Services.

4. Address Changes

In order to provide electronic disclosures, we must maintain current customer email address at all times. It is your sole responsibility to provide us with your correct contact information, including your email address. You should notify this institution of any changes to your personal contact information through any of the methods described above in section 3, or you can update personal information through the Services menu/Address Change option in our Internet Banking Service. We will use additional methods for verifying you after you request an address change.

5. Proceed with Acceptance of E-Disclosures

With your enrollment completion, you agree to accept Internet Banking and Bill Payment related disclosures in an electronic format. You also agree that you have the necessary equipment for accessing and viewing the disclosures and you agree to notify us if you change your email address or if you no longer want to receive disclosures electronically.

Upon completion of the enrollment process, we may send you an email and ask you to confirm your email address, and your ability to access electronic disclosures.

If you do not want e-disclosures, close out of the online banking enrollment. If you do not accept e-disclosures you will not be able to proceed with our online enrollment for Internet Banking and Bill Pay Service.