Once enrolled in the Service, you will receive an eDocument email Notification to your email address of record for your account when new Documents are available. Your email address of record for your account is the most recent email address that has been provided to the bank. Upon acceptance of this Agreement, you must ensure that the email address reflected in your eStatement/eNotice Delivery Preferences is your current email address and contact our Digital Banking Department at 504-544-5574 if the email address shown is not your current email address. If enrolling using our Statement/Notice Delivery Preference service that requires you to enter your email address, we will confirm that the email address entered is your current email address of record. You may provide an alternate email address if you would like the notification to be sent to multiple email addresses, however, the notification will also be sent to the email address of record for your account unless or until you contact us to change it. You must contact us directly at 504-544-5574 if you want to stop notification to the alternate email address at any time or to change your email address of record for your account with us, even if you add or change your email address in any section of our Digital Services to ensure secure delivery of your eDocument email Notification.

Description of Service

• The Service is offered for consumer and business checking, savings, certificate, and loan accounts with the exception of Home Equity Lines of Credit and Personal Lines of Credit. The service will replace your mailed paper statement and certain notices, including NSF notices, with electronic PDF documents that you can view, save to your computer, or print at your convenience. If you elect to view your Home Equity Line of Credit and Personal Line of Credit electronically, you will still receive your periodic paper statement in the mail.

Requirements and Responsibility for Enrollment

• You must enroll in the Service after logging into Gulf Coast Bank & Trust Digital Banking Service by selecting Statement/Notice Delivery located under the User Preferences Navigation Menu item. To enroll in eStatements and eNotices for Consumers: Log into your Digital Banking from gulfbank.com or Log into your Mobile Banking App, Select User Preferences from the Navigation Menu, Select Statement/Notice Delivery, Change the Delivery Type to Electronic Statement for each account you wish to enroll, Confirm Delivery Email Address (if incorrect, please call us at 504-561-6124 or 1-800-223-2060, View and accept the eStatement Delivery Disclosure, Click Submit, NOTE: If the account you wish to enroll in eStatements is not displayed, click the link at the top of the page and follow the enrollment steps on the form. To enroll in eStatements and eNotices for Business: Log into your Digital Banking from gulfbank.com or Log into your Mobile Banking App, Select User Preferences from the Navigation Menu, Follow the enrollment steps on the form.
• As stated in the Important Information Regarding Your eDocument eMail Notification section above, you must contact us at 504-544-5574 if the email address shown is not your current email address. If enrolling using our Statement/Notice Delivery Preference service that requires you to enter your email address, we will confirm that the email address entered is your current email address of record. We will contact you to confirm your current email address if the email address entered is not the current email address of record. In accordance with the terms of Gulf Coast Bank & Trust Deposit Account Terms and Conditions, all account owners will be bound by the decision of the account holder who enrolls in or cancels the Service.
• You must change the Delivery Type using the guidelines above for each account that you would like to include in eStatement/eNotice and eSign services.
• You must maintain a current, active email address and allow emails from gulfbank.com. You agree to provide a current, active email address upon enrollment and to notify us of any change to your email address.
• You must be a registered user of our Digital Banking Service.
• It is your responsibility to protect your Digital Banking Login ID and Password from unauthorized persons. You agree that it is your responsibility to ensure that the electronic documents cannot be viewed by others.
• It is your responsibility to Log into your Digital Banking account at least monthly to view your Statement and any Notices when you receive your eDocument email Notification.

Communication and Document Type Availability

• By authorizing the Service, you consent to receiving other electronic communication from us including: Legal and regulatory disclosures
  1. Change in terms and notices relating to your account
  2. Annual privacy notice
  3. All notices that we have the ability to send electronically now and in the future
• Some of these notices will be available by following the Document Retrieval process below; others will be attached to your eStatement/eNotice and eSign notification as PDF documents. We reserve the right to provide a paper copy of any communication that you have authorized us to provide you electronically.

Accessing Your Documents

• To access your statement or notice, you will be required to Log into Digital Banking with your Login ID and Password to view, download, and/or print your electronic statement and notice. You will be able to access your periodic statement and any applicable notices up to a maximum of eighteen (18) months. Statements and/or Notices for closed accounts are not available via Digital Services. Copies of Statements and/or Notices generated more than 18 months ago or on closed accounts can be requested by contacting your local Branch or our Call Center at 504-561-6124 or 1-800-223-2060. Fees may apply. Please refer to our Notice of Disclosure and Fees for information regarding our fees. To retrieve your statements and notices: Access our website at www.gulfbank.com

1. Log into your Digital Banking
2. Select View Statements/Notices from the Services Navigation Menu item
3. Select the applicable account from the Accounts drop box
4. Select the date of the statement or notice you would like to access
5. Leave Document Type as .pdf
6. If accessing statement/notice for the first time, you will be required to open the .pdf document presented, obtain the verification code and enter the code prior to gaining the access to open the statement/notice
7. Click Get Statement

Requesting Paper Copies

• You may obtain a paper copy of your Statement or Notice or a paper copy of other types of communication by visiting one of our Branch locations or contacting our Call Center at 504-561-6124 or 1-800-223-2060. A fee of $5.00 per statement will apply.

Cancellation of Service

• If you wish to discontinue the Service and begin receiving paper statements and notices at any time, you may Login to Digital Banking, and select Paper Statement from the Statement/Notice Delivery option under the User Preferences Navigation Menu item and clicking Save. Please confirm that the address that then shows under Address is your correct current Address. If it is not, you must notify us immediately to provide the correct address and/or go to the Services Navigation Menu item in Digital and complete the Contact/Address Change process. You may also request to discontinue the service by visiting your local branch or contacting our Call Center at 504-561-6124 or 1-800-223-2060. Please allow at least 7 days before the end of your normal statement cycle for the change to be affective.
• Should Gulf Coast Bank & Trust reasonably believe that you may not be receiving your eDocument email Notification, we will cancel your use of the Service and begin sending your paper statements and notices to the address of record on your account. You will continue to receive paper statements and notices until you re-enroll for eStatements/eNotices by following the above process.
• If your account becomes Dormant, we will cancel your use of the Service, notices will be sent to the address of record on your account and statements will no longer be generated. Once your account is activated, you must re-enroll for eStatements/eNotices by following the above process.
• If you do not access your Digital Banking account for a period 180 days or more, your Digital Banking access will be removed, we will cancel your use of the Service and begin sending your paper statements and notices to the address of record on your account. You will continue to receive paper statements and notices until you re-enroll in Digital Banking and for eStatements/eNotices by following the above process.
• NOTE: In accordance with your account Truth in Savings Disclosure, a $4.85 monthly paper statement fee for each account may apply if use of the Service is cancelled for any reason.

Termination/Amendments

• Gulf Coast Bank & Trust has the right to Terminate this Service and/or amend this Digital Banking eStatement/eNotice and eSign Disclosure at any time. Any amendments to these Digital Banking eStatement/eNotice and eSign Disclosure will be effective when they are posted in Digital Banking under Guides and Agreements Navigation Menu. We will notify you via your eDocument email Notification when Amendments to this Disclosure are made and published to the Guides and Agreements section in Digital Banking. The provisions of this Digital Banking eStatement/eNotice and eSign Disclosure shall survive termination of the Service by either Gulf Coast Bank & Trust or you.

Computer Requirements

You agree that you have reviewed our Hardware and Software Requirements. https://www.gulfbank.com/hardware-and-software-requirements

Legal Requirements and Federal Law

• While all reasonable efforts will be made to ensure access, neither Gulf Coast Bank & Trust nor any third parties represent or warrant that you will have continuous or uninterrupted access to the Service, or that any of the functions of the Service will be error-free. The Service is provided to you “as is” and “as available”, and Gulf Coast Bank & Trust and its service providers make no representation or warranty relating to the Service, including, without limitation, its performance, availability, content, or functions.
• Under Gulf Coast Bank & Trust Deposit Account Terms and Conditions, you have certain time limits to review your Statement, which by the Digital Banking eStatement/eNotice and eSign Disclosure means accessing your Statement electronically, and to report any forgeries, alterations, or any other unauthorized withdrawals or transactions to Gulf Coast Bank & Trust. You agree that the time limit to report these matters to Gulf Coast Bank & Trust will commence on the day your Statement is made available for your review via Gulf Coast Bank & Trust Digital Banking.
• This Digital Banking eStatement/eNotice and eSign Disclosure will be construed in accordance with the laws of the State of Louisiana. Jurisdiction and venue for actions relating to the Service and the Digital Banking eStatement/eNotice and eSign Disclosure shall be the state and federal courts located in New Orleans, Louisiana.
• You acknowledge and agree that your consent to electronic receipt of Statements, Notices, and other Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the Federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Consent and Agreement

• By consenting to this eStatement/eNotice eSign Disclosure, you agree to the following statements:

1. I have read, understand and agree to be bound by the terms and conditions contained in this eStatement/eNotice eSign Disclosure, and consent to receive communications via Electronic Delivery according to the process described herein;
2. I am able to download and review files in PDF format, and I have access to and can send and receive emails with links to websites;
3. Certain communications may be delivered to me in paper form and in the future some or all of these communications may be made available for me to view electronically in accordance with this Disclosure;
4. I may incur costs, including but not limited to online time and other charges from my internet service provider or telephone carrier in accessing and/or viewing communications;
5. I may terminate or suspend Electronic Delivery at any time at my discretion;
6. Gulf Coast Bank and their agents will not be liable for any loss, liability, cost, expense, or claim for acting upon this authorization or arising from my use of the product or service provided pursuant to this Disclosure
7. Communications provided along with my account statements contain important information or disclosures concerning my accounts and/or services and I agree to review such communications in a timely manner.

 Last updated: 8/2022