1.  The Service:

Use of Home Bank's Internet Banking Service requires at least one eligible personal deposit or loan account with us.  If you have more than one account relationship with us, we will "link" your account relationships together with your primary personal checking account, unless you request in writing that certain accounts not be linked.  Accounts which are "linked" under the Service will have one common owner and signer.  Any signer, acting alone must be authorized to access a linked account.  Any non-linked account will not be accessible through the Service.  An account that requires two or more signatures for withdrawal may not be designated as an eligible account. 

In consideration of the Internet Banking Service to be provided by Home Bank, the customer agrees as follows.  You may use a Personal Computer (PC) through an Internet connection at no charge to:- Transfer funds between linked accounts

- View the balances of your linked accounts

- Review recent transactions in your linked accounts

- Download information about your designated accounts to Microsoft Money, Quicken or comma-delimited (text.)

- Communicate with us via e-mail

The terms and conditions of this agreement are in addition to the account agreement, disclosures and other documents in effect from time to time governing your accounts with us.  This agreement supplements the Electronic Funds Transfer Agreement and disclosures that you received at the time your deposit account was opened. 

2.  Equipment

In order to access Internet Banking through Home Bank you will need a personal computer with a 486DX 66 MHz or faster processor, (Pentium central processing unit recommended) 16 megabytes (MB) of memory (32 MB recommended) and at least 34 MB free hard disk space.  The actual requirement varies depending on the features you choose to install.  You will also need a VGA or higher resolution monitor, (16-bit  or 24-bit color SVGA recommended) a Microsoft or compatible mouse, and an Internet connection and a modem (28.8 or faster recommended).  Minimum browser requirements needed must be versions 4.0 or greater of either Internet Explorer or Netscape Navigator.  You are solely responsible for the equipment (including in the case of Internet Banking, your personal computer and software) you use to access the Services.  We are not responsible or liable for errors or delays or your inability to access Services caused by your equipment or for any other reason.  We are not responsible for the cost of upgrading your equipment to stay current with the Services nor are we responsible, under any circumstances, for any damage to your equipment or the data resident thereon. 

3.  Your Access Code and Password

Once you enroll in Internet Banking, you will be assigned an access code and a password.  The first time you log on to our website you will be prompted to change your password.  The new password you select must be a minimum of 6 characters, up to a maximum of 14 characters, which must consist of at least one upper case alpha, one lower case alpha and one numeric.  Home Bank is entitled to act on instructions received through Internet Banking under your password without inquiring into the identity of the person using the password.  However do not give your password to anyone.  For maximum security do not leave your personal computer unattended while you are in our Online Internet Banking site. 

4.  Delivery of Transfers

Transfers must be conducted by the cut-off time of 6:00PM (CST) on any business day in order for the transaction to be completed on that business day. 

5.  On Demand and Recurring Transfers. 

You may set up one-time or recurring transfers.  Recurring transfers are those made for the same amount and are made on a weekly, bi-monthly, monthly basis, etc.  Once started, recurring transfers will be made automatically until you initiate changes or tell us to stop or cancel the service and we have a reasonable opportunity to react. 

6.  Our Liability for Failure to Complete Transactions.

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we might be liable for some of your losses or damages.  However, there are some exceptions.  We will not be liable for instance:

A. If through no fault of ours, you do not have enough money in your account to make the transfer;

B.  If the money in your account is subject to legal process or other encumbrances restricting transfer;

C.  If the transfer would go over the credit limit on your overdraft line (if any);

D.  If the system was not working properly when you started the transfer;

E.  If circumstances beyond our control (such as fire or flood or systems failure) prevent the transfer, despite reasonable precautions that we have taken.

7.  Consent to Electronic Delivery of Notices

You hereby agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any disclosures required by law, including Electronic Fund Transfer disclosures, may be made electronically by posting the notice on the Home Bank website or by e-mail.  You may terminate your consent to electronic delivery of notices at any time by providing us with written notice of your desire to terminate your consent by U.S. mail or by fax.  The termination of your consent to electronic delivery of notices will take effect on or before the close of the third (3rd) Business Day following our receipt of your notice advising us of the termination of your consent to electronic delivery of notices.  You will remain responsible for all outstanding fees and charges if any are incurred.

8.  Statements

All transfers, and/or fees made through the Service will appear on your monthly Account statement.

9.  Fees for Service

Miscellaneous fees and charges will be charged commensurate with the bank's fee schedule.  there is no charge for basic internet service.  Any Consumer customer or Small Business customer who enrolls in Bill Pay Services will be billed as follows:

- Customers will receive a 60 day introductory period to use Bill Pay Services.

- A charge of $4.95 per month will be assessed after the introductory period expires.

- In any calendar month where 5 bill payments are made, the $4.95 monthly fee will be waived.

- The Bill Pay fee will be assessed on the 5th of each month.

10.  Business Days/Hours of Operation

Transfers can be completed only on business days.  The Service is available 24 hours a day, seven days a week, except during maintenance periods.  You can reach our customer service desk between the hours of 8:00AM and 5:00PM (CST), Monday through Friday or you may e-mail us at mail@home24bank.com (See Section 13 regarding e-mail communication to and from Home Bank).  Our lobby hours are 9:00AM to 5:00PM (CST) Monday through Thursday and 9:00AM to 5:30PM (CST) on Friday, except for bank holidays.  Our drive through hours are 10:00AM to 1:00PM on Saturday at our Kaliste Saloom and Johnston Street offices. 

11.  Transmissions to and from the Website

Home Bank's Online Banking utilizes the latest technology, which was developed to safeguard data through encryption of information.  This creates barriers between systems that can only be crossed with passwords.  You cannot use e-mail as a means to initiate transfers.  You may communicate with us through e-mail.  We will attempt to answer e-mail communication promptly; however, if you have a question or concern needing immediate attention please contact us during normal business hours to speak to a live operator at 337-261-9440, or toll free at 1-225-663-6677, or 1-866-401-9440 between the hours of 8:00AM and 5:00PM (CST) Monday through Friday. 

12.  Notice of Your Rights and Liabilities

Security of your transactions is important to us.  Use of the Service will therefore require an access code and a password.  If you forget your password, please call 337-261-9440, 1-225-663-6677, or 1-866-401-9440 during normal business hours shown above.  Home Bank employees will not ask you for your password.  We may accept as authentic any instructions given to us through the use of your password.  You agree to keep your password secret and you will not reveal it to anyone.  You will notify us immediately if your password is lost or stolen or if you believe someone has discovered your password.  You agree that if you give your password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use the Services.  Internet Banking Services enables you to change your password; we encourage that you do so regularly.  We may be liable for certain security breaches to the extent required by applicable law and regulation.  We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities.  Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Services; and (2)require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you).  You agree that our records will be final and conclusive as to all questions concerning whether or not your password was used in connection with a particular transaction.  If any unauthorized use of your password occurs, you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds. 

13.  Reports of Unauthorized Transactions

Tell us AT ONCE if you believe your password has been lost or stolen.  Telephoning is the best way of keeping your possible losses down.  You could lose all the money in your account.  If you tell us within two (2) business days you can lose no more than $50.00.  If you do not tell us within two (2) business days after you learn of the loss or theft of your password and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.00.  Also, if your statement shows transfers that you did not make, tell us at once.  If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money your lose after the sixty (60) days, if we can prove that we could have prevented someone from taking the money if you had told us in time.  If you believe your password has been lost or stolen call 337-261-9440, 1-225-663-6677, or 1-866-401-9440 during normal business hours shown above.  WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL. 

14.  Errors and Questions

In case of errors or questions about your electronic transactions, telephone us at 337-261-9440, 1-225-663-6677, or 1-866-401-9440 from 8:00AM to 5:00PM (CST) Monday through Friday, or write us at: Home Bank, P.O. Box 81459, Lafayette, LA 70598-1459, Attention: Deposit Services.  As soon as you can, if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt, please contact us.  We must hear from you no later than sixty (60) days after we sent you the first statement on which the problem or error appeared.  You will need to:

A.  Tell us your name and account number (if any);

B.  Describe the error or the Transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and

C.  Tell us the dollar amount of the suspected error.  If you tell us verbally, we may require you to send us your complaint or question in writing within ten (10) business days following the date you notified us.  We will determine whether an error occurred within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question.  If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or form the account within thirty (30) days after the first deposit to the account was made) for the amount you think is in error, so that you will have use of the money during the time it takes to complete our investigation.  If we ask you to put your complaint in writing and we do not receive it within ten (10) business days, we may not credit your account.  If we determine there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanation within three (3) business days after we finish our investigation.  You may ask for copies of the documents we used in our investigation. 

15.  Disclosure of Account Information to Third Parties

We may disclose information to third parties about your account or the transactions you make;

A.  where it is necessary for resolving errors involving the Service; or

B.  in order to verify the existence and condition of your account for a third party, such as a credit bureau or a merchant; or

C.  in order to comply with government agency rules, court orders, or other applicable law; or

D.  if you give us your permission; or

E.  as otherwise provided in other agreements you have with us regarding your accounts. 

16.  Authorization to Obtain Information

You agree that we may obtain and review your credit report from a credit bureau or similar entity. 

17.  Termination

If you want to terminate your access to the Service, call us at 337-261-9440, 1-225-663-6677, or 1-866-401-9440 during normal business hours.  RECURRING TRANSFERS WILL NOT NECESSARILY BE DISCONTINUED BECAUSE YOU TERMINATE ACCESS TO THE SERVICE.  IF YOU WANT TO MAKE SURE THAT RECURRING TRANSFERS BETWEEN ACCOUNTS ARE STOPPED, YOU MUST CONTACT OUR REPRESENTATIVES AT ONE OF THE NUMBERS LISTED ABOVE NO LATER THAN 5:00PM (CST) ON THE BUSINESS DAY YOUR TRANSFER IS SCHEDULED TO BE INITIATED.  We reserve the right to terminate the services in whole or in part, at any time with or without prior written notice.  In that event or in the event that your give us a termination notice, we may (but are not obligated to) immediately discontinue making perviously authorized transfers, including recurring transfers and other transfers that were previously authorized but not yet made.  We also reserve the right to temporarily suspend the Service in situations deemed appropriate by us, in our sole and absolute discretion, including when we belive a breach of system security has occurred or is being attempted.  We may consider repeated incorrect attempts to enter your access code and/or password as an indication of an attempted security breach.  Termination of the Services does not affect your obligations under this Agreement with respect to occurrences before termination. 

18.  Limitation of Liability

Except as otherwise provided in this Agreement or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special or consequential, caused by the Service or the use thereof or arising in any way out of the installation, operation, or maintenance of your PC equipment and for any electrical or mechanical problems that are not caused by Home Bank and/or for any other reason. 

19.  Waivers

No waiver of the terms of this Agreement will be effective, unless in writing and signed by an authorized officer of Home Bank. 

20.  Assignment

You may not transfer or assign your rights or duties under this Agreement. 

21.  Governing law

The laws of the State of Louisiana shall govern this Agreement and all transactions hereunder.  Customer acknowledges that he/she has reviewed this Customer Agreement, understands the terms and conditions set forth herein, and agrees to be bound hereby. 

22.  Amendments

We can change a term or condition of this Agreement by mailing or delivering to you a written notice at least thirty (30) days before the effective date of any such change.  We do not need to provide you with any prior notice where an immediate change in the terms or conditions of this Agreement is necessary to maintain or restore the security of our system or an account.  However, even in these cases, if the change is to be made permanent, we will provide you with a notice of the change with the next regularly scheduled periodic statement or by electronic means within thirty (30) days, unless disclosure would jeopardize the security of our system or an account.  Notices mailed or delivered to you under this paragraph will be considered effective if mailed to the most recent address we show for you in either our Checking or Savings Account records, or email address in which you authorized to receive such notices and/or disclosures.  You agree to promptly notify us if your contact information changes such as street address or email address. 

23.  Indemnification

Customer, in consideration of being allowed access to the Services, agrees to indemnify and hold Home Bank harmless for any losses or damages resulting from the use of the Services, to the extent allowed by applicable law. 

24.  Security Procedures

By accessing the Services, you hereby acknowledge that you will be entering a protected web site owned by Home Bank, which may be used only for authorized purposes.  Home Bank may monitor and audit usage of the System, and all persons are hereby notified that use of the Services constitutes consent to such monitoring and auditing.  Unauthorized attempts to up-load information and/or change information on these web sites are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986.