JD BANK

ONLINE USER AGREEMENT

You agree that any information, disclosures, notices, data or supplemental information to or under this Agreement or by law or regulation or any amendments to this Agreement may be sent to you by electronic communication, including E-mail to you or by posting on JD Bank's website.

You acknowledge that you have read and understand and agree to the terms, conditions, provisions, rules and policies disclosed under this Agreement prior to your first attempt to access your online accounts. At the end of this document, you may either "Accept" the agreement and continue with your log on or "Decline" the agreement and return to the online banking page.

You may download and print copies, for personal use only, of any part of the Agreement to keep on file.

Contents of JD Bank Online Banking Agreement

I.    Introduction to JD Bank Online Banking

II.  Terms and Conditions

III.   Accessing Your Bank Accounts IV. JD Bank Bill Pay V.  Security VI. General Terms and Disclosure

Introduction to JD Bank Online Banking

This Internet Banking and Bill Payment Agreement (this "Agreement") states the terms and conditions for JD Bank On-line services offered by the JD Bank of Jennings, Louisiana (the "Bank"). When you use, or you permit any other person(s) to use, JD Bank On-line Banking and JD Bank On-line Bill Payment (collectively, "Online Services"), you agree to the terms and conditions of this Agreement. These terms and conditions are in addition to those that apply to any accounts you have with the Bank. This Agreement is an addendum to the existing Deposit Account Agreement that you received when opening your depository account, as amended from time to time. If there is a conflict between the terms and conditions of this agreement and one contained in the other agreements between us, this agreement will control.

As used in this Agreement, "you" or "your" refers to each person(s) subscribing to, using or accessing JD Bank On-line Services; "we," "us" or "our" refers to the Bank and any agent, independent contractor, designee, or assignee the Bank may, in its sole discretion, involve in the provision of JD Bank On-line Services.

Terms and Conditions

The following terms and conditions apply to your access to and use of the JD Bank Online Banking website (Site). By accessing any page of our Site, you agree to be bound by these terms and conditions. JD Bank reserves the right to revise these terms and conditions, without prior notification, at any time.

If you purposefully harm the JD Bank Online Banking website with malicious intent such as "hacking" or attempting to access unauthorized areas or intentionally attempt to harm the Site with a virus, we reserve the right to pursue, prosecuting you to the fullest extent of the law.

JD Bank is not responsible if you download a file from the Online Banking website that includes a virus.

Information and materials of the Bank are protected by federal copyright laws. You may copy information from the website for your personal use only, provided that each copy includes any copyright or trademark as they appear on the pages copied. The information and materials may not be copied, displayed, distributed, downloaded, transmitted, or otherwise used for public or commercial purposes without the express written permission of JD Bank.

Warranty Disclaimer

The information, materials, and functions contained in our website are subject to change and are provided without warranties of any kind. The Bank does not warrant the adequacy, accuracy, or completeness of the information and materials included in our Site. The Bank disclaims any liability for any errors or omissions in information, materials, and functions included in our Site.

Liability Disclaimer

The bank will not be liable for any damages or lost profits arising from the use of our Site, any interruption in the availability of our Site, delay in operation or transmission, loss of data, or other events arising from use of our Site, even if the Bank has been advised of the possibility of such damages or loss. JD Bank is not responsible if you download a file from the Online Banking website that includes a virus.

Third Party "Linked" Websites Disclaimer

The Bank will not be liable for any errors, omissions, loss of data, materials or functions by third party sites linked to or from our Site and operated by other entities. Third party websites linked to or from our Site are the responsibility of those other entities and the Bank does not endorse the sites even if a link is established between the Bank's website and the website of the other entity.

It is the policy of JD Bank to fully comply with and promote the spirit of the Real Estate Settlement Procedure Act (RESPA). The Bank does not provide links to or from our Site to any entity that would in turn provide the bank with compensation when soliciting real estate mortgage lending. It is our policy to fully comply with prohibition on referral fees, kickbacks, and fee splitting.

Communications

You may communicate with the Bank through our Site, subject to the following conditions:

  • You may not upload any information or material that violates any copyright, trademark, or other proprietary rights of any person or entity.
  • You must not include any obscene, libelous, or defamatory content in your communications.
  • You must indemnify and hold the Bank harmless from any and all damages, losses, and liabilities arising from your communications with us through our Site.

Accessing Your Bank Accounts

System Requirements

To access Online Banking you must have a browser that supports 128 bit encryption. There are upgrades for Microsoft Internet Explorer version 4.0 or greater , or Netscape Navigator version 4.5 or greater , which provide this encryption.

If you wish to use a different browser, you will need to contact the provider of the browser you wish to use to get the proper 128-bit encryption.

Account Access

You must have access to the Internet and at least one Eligible Account with us in order to use Online Services. (Depending upon the Online Services you utilize, one or more of your Eligible Accounts must be a deposit account.) If you are an authorized signer or borrower on more than one Eligible Account, we will automatically link such additional Eligible Accounts (collectively, "Linked Accounts") to your Online Service access. If you have additional eligible personal accounts that do not show when you access Online Services, please call us at (800)789-4490 or write us at JD Bank Customer Service, P.O. Box 730, Jennings, LA 70546 to update your linked accounts. Accounts that are not Linked Accounts will not be accessible through Online Services. For purposes of this Agreement, an Eligible Account is a checking, money market, savings, or time deposit account for which you are an authorized signer, and for which, according to our records, you have authority, acting alone, to conduct all depositor-initiated transactions on such account; or a consumer or mortgage loan on which you are a borrower.

Access Codes

Security of your transactions is important to us. During your enrollment for the Online Services, you are required to select an access ID and a password (collectively, the "Access Codes").

Your access ID must be at least six and no more than twelve characters in length. The access ID can be a combination of letters (upper and/or lower case) or numbers. Special characters/symbols and blank characters are not allowed.

Your password must be at least six and no more than seventeen characters in length. The password must be a combination of letters (upper and/or lower case) and numbers, containing at least one number and at least one alpha character. Special characters/symbols and blank spaces are not allowed.

You should select your Access Codes carefully and avoid selecting names, dates and information for your Access Codes that may easily be guessed.

You acknowledge that the establishment of and requirement for inputting your Access Codes as a means of accessing Online Services is the agreed upon and reasonable security procedure, given the nature of services provided and the limitation of Eligible Accounts. We may accept as authentic any instructions given to us online through the use of your Access Codes.

Fees

There are no periodic or transaction fees for accessing your account(s) through JD Bank Online Banking. See the section titled JD Bank Bill Pay for Bill Pay Fees. All other fees, as applicable and described in "Your Account Terms and Conditions" disclosures, will be charged to you as normally applied.

Be advised that fees may be assessed and billed to you for time spent on Online Banking, via internet access, separately by your online service provider.

Communicating With Us and Electronic Mail (E-mail)

Sending us an email is a way of communicating with the Bank's customer support personnel. You may contact us 24 hours a day, 7 days a week via email. We will respond to your email inquiry, response or comment during regular business hours.

You can also contact us directly via Internet email at info@jdbank.com . You cannot use E-mail to conduct transactions on your account(s). For account transactions please use the applicable functions within JD Bank Online Banking, Telebank at (800) 789-1335 or by calling customer service at (800) 789-4490.

If you need to communicate personal or confidential information, please use a secure email service.

JD Bank Bill Pay

What is Bill Pay

JD Bank Bill Pay service allows you to schedule your bill payments automatically through JD Bank Online Banking. You can schedule, at your option, the payment of current, future and recurring bills from your checking account at JD Bank. The Bank will debit your account, ON THE DATE YOU SPECIFY , and send by mail a check to your payee the next business day. The details of restrictions, your responsibilities and JD Bank's responsibilities are outlined in detail below.

Who Can Use Bill Pay

You must have a checking account with JD Bank to use bill pay. If "two signatures" or more are required to withdraw funds from your checking account, all signers on the account are prohibited from using bill pay.

Using Bill Pay

There is no limit to the number of bill payments that you may authorize. However, the types of payees of your payments are limited and exclude the types indicated in the notice below. If you set up Pay to a prohibited payee we will not be liable for any fees or charges incurred as a result of the prohibited payee transaction(s).

NOTICE OF PROHIBITED PAYEES:
  • Payment to federal, state or local taxes.
  • Court, local or state government directed payments.
  • Payments to persons or entities outside of the United States.

By initiating a Bill Pay scheduled transaction and furnishing us with the names of your payees/merchants and their addresses, you authorize us to follow the payment instruction to these payees/merchants that you provide us via JD Bank Online Banking. When we receive a payment instruction for a current or future date we will remit the funds to the payee on your behalf from the funds in your selected checking account on the day you have instructed the payment to be sent ("Payment Date"). The amount you indicate for payment is charged against your account's "Available Balance". If your account does not have "Sufficient Funds" in the available balance, the payment will not be processed. Our system will attempt to process the payment for seven (7) consecutive business days. A written notice, informing you of the insufficient funds status, will be sent to you after the second day's payment attempt and after the seventh day's payment attempt. After the seventh attempt, the scheduled payment will be cancelled. In this event we will also not be liable for fees or charges incurred.

"Payment Date"

Funds for all bill payments (whether these payments are made by us electronically or mailed by check) will be withdrawn from your account's "Available Balance" ON THE DAY that the payment is scheduled to be sent to the payee.

"Available Balance" 

Your Available Balance is the balance according to our funds availability schedule of processing your deposits. You must be certain that there are adequate available funds in your account on the date your bill payment is scheduled.

"Sufficient Funds"

The account to be charged against a bill payment must have enough money (sufficient funds) to cover the charge on the day the payment is scheduled.

Scheduling Bill Payments

Any payments made with JD Bank Bill Pay require sufficient time for your payee to receive the payment and credit your account properly. To avoid incurring a finance charge with your payee, you must schedule a payment sufficiently in advance of the due date of your payment. When you schedule payments: YOU MUST SCHEDULE THE PAYMENT AT LEAST SEVEN (7) FULL BUSINESS DAYS PRIOR TO THE DATE THE PAYMENT IS DUE AT YOUR PAYEE. We recommend seven (7) to ten (10) days for most vendors. Our experience with large national companies (ex: credit card, mortgage) is that they take even longer to process. Please allow ample time in order to prevent any late fees or penalties.

Example: Mr. Thibodeaux has a monthly telephone service payment due on the 15th of each month. He knows that the minimum advance time to schedule a bill payment is at least 7 and up to 10 business days prior to the due date. Mr. Thibodeaux's telephone service billing address is in Louisiana so he schedules his payment for the 6th of the month (7 business days in advance of the due date). He also has a credit card payment due on the 20th of each month. This credit card company is a national company with an out of state billing address. Therefore, he schedules his payment for the 6th of the month (10 business days in advance of the due date). This way he is allowing ample time for processing and mailing.

Stopping or Changing Bill Payments

You have the right to stop or change any scheduled payment. You must contact us no later than 2:00 PM (Central Standard Time) on the preceding day for which the applicable payment is scheduled. Calling on the day of a scheduled payment is too late.

JD Bank and Your Responsibilities

If you have scheduled a bill payment in a timely manner (as described above) to an accepted payee and the payment is not paid on time, or in the correct amount, JD Bank will bear responsibility for late charges subject to the eight (8) exceptions stated below.

It is the policy of JD Bank to put forth our best efforts to make sure all your payments are processed accurately and timely. However, JD Bank shall incur no liability if it is unable to complete any payments initiated by you via Online Banking because of the existence of one or more of the following circumstances:

  • Sufficient funds are not available in your checking account to complete the payment. Payments are charged against "Available Balance" per our funds availability schedule (See "Available Balance" above);
  • You know or have been advised by JD Bank not to use the JD Bank Bill Pay system due to a temporary malfunction;
  • Your payee mishandles or delays a payment sent by JD Bank;
  • You have not provided JD Bank with the correct names or account information, including but not limited to address and account number, for those persons or entities (payees) to which you wish to direct payment;
  • You have multiple signers (2 or more) on an account and conduct an unauthorized payment of bills from the checking account;
  • Circumstances beyond JD Bank's control such as, but not limited to, fire, flood, or interference from an outside force prevent the proper execution of the transaction and Jeff Davis Bank has taken reasonable precautions to avoid those circumstances;
  • You instruct JD Bank to make a payment that is one of the prohibited payees (federal, state and local taxes, court or state directed payments, and individuals or companies outside of the United States);
  • You schedule your payment due date to be during the grace period for that merchant/payee. JD Bank will not be responsible for any late fees associated with payments which have scheduled payment dates less than 7 days before the due date on the bill. This is the case even if the payee allows a "grace period". You may schedule payments during the "grace period", but any late charges associated with payments scheduled as such will be your responsibility regardless of the cause of the late payment.

Bill Pay Fees

The fee for using Bill Pay is $4.00 per month for up to 15 transactions and $0.40 for each additional transaction. Your account will be charged the scheduled fee monthly*.

*The Bill Pay fee will be charged to your account on the last business day of the month. This fee will be charged each month regardless of your bill payment scheduling activity. The Bill Pay fee will continue even if you do not use Bill Pay once you have established the service. If you decide to stop using the service, you must notify us to cancel your bill payment monthly fee via email or see the Communicating With Us and Email section above.

The Bill Pay fee is accessed on a per user basis. In regards to joint accounts, each registered Bill Pay user will be charged the monthly fee.

Joint Membership

The JD Bank Online Banking Agreement definition of "You" means each signer on an account. The terms of the Agreement extend to all signers on the account(s) you are accessing on Online Banking. The same applies to the Bill Payment responsibilities. Each Bill Pay member can consist of single or joint signers of an account. Joint owners (members) share the same payee list (when using Bill Pay), and are subject to the joint tenancy rules contained in the "Account Terms and Conditions" disclosure agreement for that checking account. Any account owner may close the JD Bank Bill Pay service and any owner may authorize transfers to or from the joint account.

Each member (signer on account) is assigned a unique (individual) JD Bank Online Banking password. Since joint signers on an account share the responsibilities with all signers on the account, the terms and conditions of this Agreement apply to all signers.

Passwords are unique to each user accessing Online Banking. For joint and multiple signer accounts, each signer is assigned a unique access ID and password and is responsible for the confidentiality of their individual access ID and password. Access IDs and Passwords must never be compromised or shared with any other person or signer on an account.

Security

JD Bank Online Banking Security

The Online Banking Security system is equipped with state of the art hardware and software engineered by a leading bank vendor.

JD Bank has implemented firewalls with intrusion detection 24 hours a day 365 days a year.

JD Bank is set up through a Secure Server ID and uses128-bit SSL encryption to protect our customers' information.

By using a Secure Server ID, available from as part of its Secure Site and Secure Site Plus solution package, along with 128-bit SSL encryption:

  • JD Bank is enabling our Online Banking site to conduct authenticated, encrypted on-line commerce.
  • Users visiting our Site are able to submit account numbers and other personal information, with assurance that they are really doing business with us (and not an impostor).

The information that you are sending and receiving while on line with us cannot be intercepted or decrypted by anyone other than the intended recipient.

Clicking on the VeriSign Seal at the bottom of our Online Banking web pages should bring up the following. If not, do not continue, contact us @ (800)789-4490.

WWW.JDBECOM.COM is a VeriSign Secure Site

Security remains the primary concern of on-line consumers. The VeriSign Secure Site Program allows you to learn more about web sites you visit before you submit any confidential information. To verify this site, please click the VeriSign Secure Site Seal below.

If the information is correct, you may submit sensitive data (e.g., credit card numbers) to this site with the assurance that:

  • This site has a VeriSign Secure Server ID.
  • VeriSign has verified the organizational name and that JD BANK AND TRUST COMPANY has the proof of right to use it.
  • This site legitimately runs under the auspices of JD BANK AND TRUST COMPANY.
  • All information sent to this site, if in an SSL session, is encrypted, protecting against disclosure to third parties.

To ensure that this is a legitimate VeriSign Secure Site, make sure that:

  1. The original URL of the site you are visiting comes from WWW.JDBANK.COM.
  2. The URL of this page is https://digitalid.verisign.com .
  3. The status of the Server ID is Valid.

Product and Service Disclosure

We reserve the right to change the fees or other terms described in the Agreement at any time. This does not include any changes to your "Account Terms and Conditions" you received when opening your account. Changes in Account Terms will always be mailed to you at least 30 days in advance of the change. Any charges, fees or other terms changed that affect this Site will be posted at this Site.

NOTICE: All transactions conducted over Online Banking are considered by the federal government as electronic "telephonic" transfers and considered "third party transfers" and are limited in number per statement cycle (month) for certain accounts under the Federal Reserve Act (Reg. D). Refer to the disclosure that details the transactions allowed under Reg D that you were provided upon opening a savings, money market or tiered interest account.