By completing and submitting the enrollment form (the "Application") to subscribe to certain personal computer banking and related services offered by Origin Bank as described in this Service Agreement and Disclosure Statement (this "Agreement") and as otherwise made available by the Bank from time to time (collectively, "Origin Bank online banking service"), or by your initial access to Origin Bank online banking service, and in consideration of your access to Origin Bank online banking service, you agree to the terms and conditions of this Agreement. Each reference in this Agreement to the "Bank", "Origin Bank", "we", "us", or "our" refers to Origin Bank and each reference to "you" and "your" refers to each depositor, borrower, authorized signer or authorized user for an account (as defined below) who is now or hereafter enrolled in any one or more of the Origin Bank banking services with respect to the account. Each time you use Origin Bank Online, Origin Bank's online banking service, constitutes confirmation by you of your agreement to and understanding of the terms of the Agreement and any screens that appear on your computer when you sign on to Origin Bank's Web Site. This agreement will be effective as of the date of your acceptance of this Agreement. Please read this agreement carefully and keep it for future reference.

BROWSER SECURITY. Origin Bank Online Internet Banking transmits data using SSL (Secure Socket Layer) technology that supports 128-bit key encryption. It is important to verify that a secure connection between your browser and the Internet Banking server has been established before transmitting any confidential account information over the Internet. This can be verified by an indicator on your web browser.

HOST SECURITY. Origin Bank's web server does not connect directly to the Internet. It is buffered from the Internet through the use of multiple firewalls. All access from outside the bank must go through these firewalls, which screens the requests and allows only valid traffic to reach the server. Origin Bank's Internet Banking makes use of an ICSA certified firewall.

LINKS. Links to any non Origin Bank websites contained in this site are offered only as pointers to sources of information on subjects that may be of interest to users of the Origin Bank website, and Origin Bank is not responsible for the content of such sites as we have no control over what is displayed there. Origin Bank does not guarantee the authenticity of documents at such sites, and links to non Origin Bank sites do not imply any endorsement of or responsibility for the ideas, opinions, information, products, or services offered at such sites. Use of links to any non Origin Bank site is solely at the user's own risk.

1. Hardware and Software Requirements. To be able to use Origin Bank Online, you must provide your own personal computer (a "PC") with a modem and related equipment, tablet, or smartphone (collectively, the "Hardware" or “Access Device”). You also must provide the type of telephone or cable service and Internet access service required by the Hardware and/or the Software. Once the Hardware has been properly connected to the telephone service, and any required Internet access has been established, you will be able to access the Origin Bank Online services through the online banking service provider (the "Service Provider") that will act as an interface between you and the Bank. You are and will remain solely responsible for the purchase, hook-up, installation, loading, operation and maintenance of the Hardware, the Software, the telephone service, and the Internet access service (if applicable) to your Access Device and for all related costs. You are solely responsible for scanning the Hardware and the Software for computer viruses and other related problems before you use them.

2. The Accounts. Generally. You agree to use Origin Bank Online solely for the services described in this Agreement and designated by you in the Application or subsequently designated by you as provided in Section 5, and solely in connection with each deposit account (collectively, the "Deposit Accounts") and each loan account (collectively, the "Credit Account) held by the Bank and designated by you in the Application or subsequently designated by you as described below (collectively, the "Accounts"), except as otherwise expressly provided in this Agreement or as otherwise expressly permitted by us from time to time. Under this Agreement, there may be multiple accounts. To use the bill payment option, at least (1) one account must be a Deposit Account with unlimited check writing privileges. You may add any personal account for which you are primary or secondary owner, the single authorized signer or a guarantor by notifying the Bank or by visiting any Banking Center. If you close or delete all accounts designated for Origin Bank Online, you will no longer be able to use Origin Bank's online banking service.

3. PIN; Confidentiality of PIN. All Origin Bank Online transactions or inquiries must be initiated by use of your Origin Bank Online personal identification number (the "PIN" or "password"). Your PIN (password) will be created, by you, during the registration process. Upon approval of your registration, the PIN (password) created by you, will be effective. You may change your PIN from time to time, as provided in the Software. It is recommended that you do not use your social security number, birthdays, names, or other codes that may be easy for others to determine as your PIN. No Bank employee should ask you for your PIN, nor should you provide it to anyone unless you intend to allow that person access to your accounts. YOU AGREE TO KEEP YOUR PIN CONFIDENTIAL. USE OF THE PIN BY YOU OR BY ANY OTHER PERSON WITH YOUR AUTHORIZATION WILL BE CONSIDERED THE SAME AS YOUR WRITTEN SIGNATURE AUTHORIZING US TO COMPLETE ANY TRANSACTION OR REQUEST COMMUNICATED THROUGH ORIGIN BANK ONLINE BANKING. You agree that any Origin Bank Online transaction or request initiated by use of the PIN will be subject to and governed by this Agreement. If you authorize another person to use your PIN, that person can use Origin Bank Online to view any information or initiate any transaction on any of the accounts to the same extent as you, including viewing information or initiating transactions on accounts to which that person does not otherwise have access. As such, your sharing of your PIN is strongly discouraged by the Bank, and done at your sole risk and peril. If a third party should gain access to your PIN, you alone are responsible for changing the PIN so as to deny the third party's access to your banking information. Given the electronic nature of these transactions, the Bank shall have no liability to you in the event a third party should gain access to your PIN through no fault of the Bank. You should always exit Origin Bank Online after you finish viewing your accounts. Never leave your Access Device unattended while accessing Origin Bank Online. If you should, a third party may be able to access your accounts from your Access Device, without ever needing to use your PIN.

4. Business Days. Business processing days for the Bank and for Origin Bank Online are Monday through Friday, excluding holidays. You may access the accounts through Origin Bank Online 24 hours a day, seven days a week, except that Origin Bank may perform regular maintenance on our systems or equipment, which may result in errors or interrupted service. We may also find it necessary to occasionally change the scope of our services. Origin Bank cannot guarantee that we will be able to provide notice of such interruptions and changes, although we will attempt to provide such notice.

5. Online Services. You may use Origin Bank Online to perform any of the following services designated by you in the Application or subsequently added by you as provided below:
a. To transfer funds between any Deposit Accounts, such as checking, savings or money market deposit accounts;
b. receive and download balance and transaction information for Origin Bank accounts;
c. pay bills electronically from a Deposit Account that is a checking account with unlimited check writing privileges; and
d. receive e-mail from and transmit e-mail to the Bank, all as described in this Agreement and the Software. You may sign up for or cancel any service by contacting Origin Bank. As used in this Agreement, the term "electronic fund transfer" has the meaning provided for that term in Regulation E and includes, without limitation, a bank transfer or Bill Payment (other than a Bill Payment made by check or other paper item), as these terms are defined below.
e. BECAUSE EMAIL IS NOT A SECURE METHOD OF COMMUNICATION OVER THE INTERNET, WE RECOMMEND YOU DO NOT SEND CONFIDENTIAL INFORMATION BY EMAIL. PLEASE BE AWARE YOU CANNOT USE E-MAIL TO INITIATE TRANSACTIONS ON YOUR ACCOUNT(S).

6. Transfers to and from Accounts.
a. Deposit Accounts. You may use Origin Bank Online to initiate electronic fund transfers from one Deposit Account that is a checking, savings, or money market deposit account to any other Deposit Account that is a checking, savings, or money market deposit account, as provided in this Agreement. These types of transactions are referred to in this Agreement as "bank transfers".
b. Authorization. You expressly authorize us to debit the appropriate Deposit Account in the amount of any bank transfer initiated through Origin Bank Online by you or by any other person who is authorized to use your PIN. You agree that we may treat any such bank transfer from a Deposit Account the same as a duly executed written withdrawal, transfer, or check and that we may treat any such bank transfer to a Deposit Account the same as a deposit, all in accordance with the terms of this Agreement and your deposit agreement(s) with us.
c. Limitations. Your ability to initiate bank transfers between Deposit Accounts may be limited by federal laws or by the terms of your deposit agreement with us. Bank transfers from Deposit Accounts that are savings or money market deposit accounts are limited as required by federal regulation. You agree that we may, without notice or other obligation to you, refuse to make any bank transfer for security reasons or as otherwise expressly provided in this Agreement or your deposit agreement with us. You cannot postdate bank transfers.
d. Time of bank transfers; postings; funds availability. If you initiate a bank transfer of available funds on a business day, the bank transfer will be immediately available and will post to the Deposit Account on the same business day. Transferred funds will be immediately available for withdrawal. Transfers made on weekends or holidays will be immediately available but will not post until the next business day. Except as expressly otherwise provided in this Section, transferred funds will be available for transfer and withdrawal as provided in our Schedule of Funds Availability (the "Schedule of Funds Availability"). The schedules provided in this Section are subject to the provisions of Section 15 and 16.

7. External Bank Transfers You may use Origin Bank Online to initiate electronic fund transfers from any of your accounts at any financial institution to any other account held by you at another financial institution - assuming, of course, that the transfer is permitted by your financial institution and by law.
a.These types of transactions are referred to in this Agreement as "External Bank Transfers" and this service is referred to in this section of the Agreement as “Funds Transfer Service.”
b. Cut-off time for transfers is 6:00 p.m. CST. Transfers are limited to $5,000 per day and $10,000 per month. There will be a limited number of external accounts that may be established within the service to your Origin Bank online banking account.
c. Funds can only be transferred to another bank within the United States.
d. We reserve the right to deny you access to the External Bank Transfers if we cannot verify your identity or other necessary information.
e. We may approve or decline your use of External Bank Transfers based upon our review of your account, along with other information we deem relevant.
f. Origin Bank and our Service Provider reserves the right to obtain such additional information as we deem reasonably necessary to insure that you, or persons to whom you may transfer funds, are not using our Service in violation of law, including, but not limited to, laws and regulations designed to prevent "money laundering" or the transfer of funds to or from persons or organizations whose accounts are blocked under regulations of the Office of Foreign Asset Control (OFAC) of the United States Treasury Department.
g. Once you are approved for the Funds Transfer Service we may verify your Account(s) that you add to the Funds Transfer Service from time to time. You authorize us to validate the Account(s) through the use of a test transfer, in which one or more low value payments will be both credited to and debited from the Account(s). The test credit will always occur before the test debit and will always be of the same or lesser amount, so that the balance in any of your Accounts will never be less than the actual balance. Once the test transfer is complete we may ask you to access your Account(s) to tell us the amount of the test credit or debit or any additional information reported by your bank with this test transfer. We may also verify Accounts through Real-time authorization, requiring the entry of information you ordinarily use to access the Account provider's web site, or by requiring you to submit proof of ownership of the Account.
h. You understand that in order to complete fund transfers, it is necessary for Origin Bank and our Service Provider, as designated by you and on your behalf, to retrieve information and effect the fund transfers you request. By using the Funds Transfer Service, you represent and warrant to us that you have the right to authorize and permit us to your Accounts to effect such funds transfers or for any other purpose authorized by this Agreement, and you assure us that by disclosing and authorizing us to use such information you are not violating any third party rights. You warrant and represent that you are the account owner and the information you are providing us with is true, current, correct and complete. You hereby authorize and permit Origin Bank and our Service Provider to use information submitted by you to accomplish these purposes and to configure the Funds Transfer Service to be compatible with the Accounts.
i. Not all types of accounts are eligible for Funds Transfer Service. Be sure to check with your financial institution for restrictions regarding transfers among your retirement (401k, IRA, etc.), savings, trusts, loans, custodial, business, corporate and other account types. We are not responsible for any costs or losses incurred from fund transfers that are not permitted under such restrictions by the provider of your Account or those imposed by applicable law.
j. External transfers process on business days. Our business days are Monday through Friday. Holidays and Bank Holidays are not included.
k. We reserve the right to decline any External Funds Transfers, to submit funds transfer instructions or orders or to carry out change or cancellation requests.
l. You understand that to process your External Funds Transfer instructions we utilize the Automated Clearing House (ACH), using applicable ACH Rules. Most External Funds Transfers will post to your account usually between 2 and 4 business days. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to the extent necessary to offset any resulting deficiency.
m. We reserve the right to suspend your right to use the Funds Transfer Service, immediately and without prior notice to you. You understand and agree that such action is reasonable for us to take in order to protect us from loss. In the event of such suspension, you may request reinstatement of your service by contacting us at 888-292-4037.
n. You understand that the financial institution at which an Account is maintained may contact us to verify the content and authority of funds transfer instructions and any changes to those instructions. You understand that we, as your agent, may provide to such financial institution such information as may be required to verify the instructions and may constitute a valid security procedure under the rules governing such Account.
o. You agree that your transfer instructions constitute authorization for us to complete the External Funds Transfer. You represent and warrant to us that you have enough money in the applicable Accounts to make any funds transfer you request that we make on your behalf through the Funds Transfer Service. You understand and agree that we are not liable under any circumstances for any losses or damages if, through no fault of ours, you do not have enough money to make the funds transfer and the funds transfer is not completed or is later reversed or if your financial institution does not permit the transfer or the External Funds Transfer would exceed the credit limit on any applicable overdraft line.
p. You also understand and agree that we are not responsible for any losses or damages if circumstances beyond our control (such as fire or flood) prevent us from making an External Funds Transfer or if the Origin Bank website was not working properly and you knew about the breakdown when you started the funds transfer.

8. Account Information. You may use Origin Bank Online Banking to receive, download, and store or print information regarding an account that is routinely set forth in the statement for the Account, debits and credits made to the account, amounts and item numbers for items drawn on the account (if applicable), and the daily account balance (including interest credited to a Deposit Account and finance charges accrued on a Credit Account). If the Account is a Deposit Account that consists of two or more sub-accounts, the account information provided will be for the sub-accounts through which you have access to your funds in the account. All account information provided by Origin Bank Online Banking will be current as of the end of the preceding business day, to include bank transfers or Bill Payments made since the end of the preceding business day, and is subject to further adjustment and correction. Because the information that is made available to you is "raw data" furnished through the Service Provider and is subject to change, we cannot assure you of the accuracy or completeness of the information and expressly disclaim the same. You will still receive your usual periodic statement of account, and adjustments may have been made to your account in connection with the preparation of your statement.

9. Bill Payment Service.
a. Payment Accounts. If you have enrolled in the optional Bill Payment service, you may use Origin Bank Online to initiate payments from any Deposit Account that is a checking account with unlimited check writing privileges (a "Payment Account") to pay obligations owed to certain third parties in the United States, including, without limitation, any Origin Bank mortgage, installment loan, credit card or line of credit account. These types of transactions are referred to in this Agreement as "Bill Payment(s)". You may initiate individual bill payments and may pre-authorize recurring bill payments.
b. Authorization. You agree that we may treat any Bill Payment that was initiated through Origin Bank Online by you or by any other person who is authorized to use your PIN the same as your duly executed written payment order or check, all in accordance with the terms of this Agreement and your deposit agreement with us.
c. Time of bill payments. Each Bill Payment must be initiated a certain number of business days before the business day that you want the Bill Payment to be made (the "Payment Date"). This number of business days is referred to as the "lead time". The lead time for the payee could be up to 4 business days, as noted on your online payee list. If you initiate a Bill Payment on a Saturday, Sunday, or holiday, the Bill Payment will be deemed initiated on the next business day. You should schedule each Bill Payment to be made prior to the due date of the Bill Payment. If you do not schedule a Bill Payment on time or if you do not otherwise initiate a Bill Payment properly, you will be solely responsible for any late charges, finance charges, or other costs resulting from failure to make the Bill Payment on time. You will be solely responsible for all inputting errors.
d. Checks. If the payee cannot or will not accept a Bill Payment by electronic fund transfer from the Service Provider, a check will be drawn on the Payment Account for payment to the payee. The check will be signed by the Bank's representative, and will not be signed by you; however, you agree that any check issued in this manner to make a Bill Payment initiated in accordance with this Section will be deemed authorized and may be paid by the Bank from the Payment Account.
e. Returned or rejected Bill Payments. If a Bill Payment is returned or rejected, whether by the Bank, the Service Provider or any third party (including, without limitation, an intermediary bank or the payee's bank), then either the Bank or the Service Provider will notify you and you will be solely responsible for re-initiating the Bill Payment. You agree to furnish to the Bank and/or the Service Provider such information as it may request to resolve any error or inquiry arising out of your initiation of any Bill Payment(s).
f. Cancellation or Change of Bill Payments; revocation of authorization. You may review, edit or cancel pending Bill Payments online without an additional charge until the payment moves to an “In Process” Status. For inquiries related to payments that are in an “In Process” Status, contact Origin Bank. Origin Bank will work with Metavante Bill Pay Service and the customer to resolve the issue. You may revoke your authorization for future recurring Bill Payments by deleting the Bill Payment instructions, as provided in the Software, by notifying the Bank, or by canceling the Bill Payment service. In order to incur no future Bill Payment charges if you decide to cancel your Bill Payment option, you must contact Origin Bank Online Customer Service.
g. Inconsistent name and number appearing in a Bill Payment order. If a Bill Payment initiated by you describes the intended recipient of funds inconsistently by name and account number, you agree that payment by the receiving bank (which may be the Bank) may be made on the basis of the account number alone even if that account is not owned by the person named in the Bill Payment. If a Bill Payment identifies an intermediary bank or the payee's bank inconsistently by name and identifying number, you agree that we may rely solely on the number as the proper identification of the intermediary bank or the payee's bank even if it identifies a bank different from the bank identified by name. To the extent permitted by applicable law, you acknowledge and agree that your obligation to pay us the amount of the Bill Payment will not be excused in any circumstance described above and that you will reimburse us for any losses or expenses we incur as a result of our reliance of the identifying number provided in the Bill Payment.
h. Adding a loan to the online banking profile. It you add a loan to your online banking profile, the loan is automatically added to your Bill Payment payee register. However, a Bill Payment will not be applied to the loan unless you initiate the payments through the Bill Payment service.

10. Electronic Mail Service. You may use Origin Bank Online to send electronic mail ("e-mail") to us and to receive e-mail from us. The e-mail service may not be used to make bank transfers between accounts or to make Bill Payments from an account. E-mail transmitted by you to us via Origin Bank Online often will not be delivered immediately. If you need to contact us immediately to stop payment, to report an unauthorized use of your PIN, to report unauthorized access to an account, or for any other reason, you should call us at 888-292-4037. We will not be responsible for acting on or responding to any e-mail request made through Origin Bank Online until we actually receive your e-mail message and have a reasonable opportunity to act. You should check your e-mail regularly; we will attempt to notify you by e-mail in the event of any technical difficulties or other occurrence that may affect your use of Origin Bank Online.

11. Mobile Banking. We offer mobile banking to all of our online banking customers. If you are signed up for our mobile banking services and your mobile Access Device is lost or stolen, you should do the following: log into your online banking account, choose the User Options tab, select Enhanced Login Security and delete any presets previously selected. This will remove any security/criteria previously selected.

12. Additional Service. We may, from time to time, make additional services available through Origin Bank Online. We will notify you of the availability and terms of these new services. By using these additional services when they become available, you agree to be bound by this Agreement and any additional instructions, procedures and terms provided to you with respect to each of these new services.

13. Fees and Charges. In consideration of our making the Origin Bank Online services available to you, you agree to pay, and you authorize us to automatically debit (if fees apply) the billing account designated on the Application (the "Billing Account" or "Primary Account") during the first week of each calendar month, the following non-refundable charges for the preceding calendar month. Access to the Origin Bank web site is furnished at no charge to the customer. Origin Bank has not instituted a charge for viewing your accounts, or completing transfers to and from your individual accounts. Access to our Bill Payment service is also free. These charges will not be prorated for portions of a month and may be changed pursuant to Section 21 of this Agreement. You will be solely responsible for all tariffs, duties, or taxes imposed by any government or governmental agency in connection with any transfer made pursuant to this Agreement and for all telephone charges, Internet access service charges, tools tariffs, and other costs for online sessions initiated by you. There may be other costs and charges associated with your accounts. Please refer to the service schedule for details.

14. Errors and Adjustments. We agree to correct any error made in crediting or debiting any account by making the appropriate adjustment to your account balance. You agree to repay promptly any amount credited to your account in error, and you authorize us to initiate a debit transfer to any account to obtain payment of any erroneous credit.

15. Card Controls. When you place a lock on your debit or ATM card via Online or Mobile Banking, it will prevent most types of card transactions from being processed until you take action to unlock your card. However, the lock may not stop card transactions presented as a new recurring or a previously scheduled recurring transaction by the merchant, transactions using other cards linked to your deposit account, or the posting of refunds or credit adjustments to your account.
While we will make reasonable efforts to decline transactions while your Card is in a deactivated state, we do not guarantee that all such transactions will be declined. You acknowledge that the deactivation function is reliant on computer and/or telecommunication systems and other factors beyond our reasonable control. Disruptions to these systems may result in the authorization of transactions, even when the Card is in a deactivated state. Reactivation of Cards may be unavailable during certain times of the day.
Additionally, transactions that occurred prior to locking the card will not be affected. Locking your card is not a replacement for reporting your card lost or stolen. This feature is available on the Mobile Banking app for all devices. Data connection required. Wireless carrier fees may apply.

16. Account Reconciliation. The Deposit Account statements or other notices provided to you by us will notify you of (a) the execution of internal or external bank transfer, of Bill Payments and the debits to the Deposit Account made with respect to such bank transfers and Bill Payments, and (b) amounts debited by the Bank from the Billing Account or any other account for payment of the services or other charges pursuant to this Agreement. You agree that we will not be required to provide any other notice to you of the execution of bank transfers, Bill Payments, or debits. You agree to promptly examine each statement for a Deposit Account and to promptly report any discrepancies between your records and the Deposit Account statements or any other notices mailed by the Bank to you, as provided in Section 18.

17. Settlement of Obligations. To the fullest extent permitted by applicable law, you authorize us to obtain payment of your obligations to us under this Agreement from time to time by (a) initiating debit or credit transfers to any of the accounts or (b) deducting the payment from the amount of any bank transfer or Bill Payment. Such obligations include, without limitation; fees owed to us and settlement for bank transfers or Bill Payments initiated through Origin Bank Online. At the time any account is closed (whether by you, by us, or otherwise) or any Origin Bank Online service is terminated (whether by you, by us, or otherwise), you agree that all such obligations will be immediately due and payable to us, and you authorize us to withhold the amount of any such obligations from any account. Debiting an account or deducting payment from the amount of any bank transfer or Bill Payment is not the Bank's exclusive remedy under this or any other section of this Agreement and the Bank will not be deemed to have made an election of remedies by making any such debit or deduction on any one or more occasions.

18. Bank's Liability for Failure to Make or Stop Certain Electronic Fund Transfers. If we do not complete an electronic fund transfer to or from a Deposit Account in a reasonable amount of time or in the correct amount according to our agreement with you, we will only be liable for your direct losses or actual damages, however, we will have no liability to you in the following instances:
a. If, through no fault of ours, you do not have enough money in the Deposit Account (or any linked account) to make the electronic fund transfer.
b. If the electronic fund transfer would cause the primary account to be insufficient and the amount of the check is in excess of any overdraft protection line of credit account linked to the Deposit Account.
c. If you have not completely and properly followed the terms of this Agreement or instructions provided by the Software regarding how to make an electronic fund transfer.
d. If any data or instruction transmitted via Origin Bank Online are inaccurate or incomplete.
e. If you do not initiate an electronic fund transfer according to the time limits set forth in this Agreement and the online Payee list, or if the payment amount requested is less than the full amount due.
f. If the electronic fund transfer has been transferred from the Deposit Account to a third party, including, without limitation, any third party through which payment is made and any payee or its financial institution.
g. If the Hardware, the Software, the Service Provider, or any part of the Origin Bank Online system, including the Bill Payment service, was not working properly and you knew about the breakdown when you started your electronic fund transfer.
h. If circumstances beyond our control, such as an act of God, failure, delay, or error on the part of any third-party service provider (including, without limitation, the Service Provider, the United States Postal Service or any other delivery service), power outage, difficulty with telephone or cable lines or satellite communications, difficulty with any Hardware, the Software, or the Service Provider, computer virus or related problem, or cessation of the operation of the Service Provider or the arrangement between the Bank and the Service Provider, prevent or delay the electronic fund transfer, despite reasonable precautions that we have taken.
i. If your funds are being held or frozen or are subject to legal proceedings.
j. The funds in the Deposit Account are unavailable (funds are only conditionally credited until they become available for withdrawal).
k. If your PIN has been reported lost or stolen or if we have any other reason to believe that an electronic fund transfer may be erroneous or unauthorized.
l. If you, any joint holder, or an authorized cosigner on a Deposit Account has requested that we stop payment on the electronic fund transfer.
m. If you have exceeded the limitations on the number of withdrawals or transfers allowed during the statement period for the type of Deposit Account you have with us (e.g., certain types of savings accounts, including money market deposit accounts).
n. If the Deposit Account has been closed.
o. If we do not receive the necessary transfer information from you or any third party, of if such information is incomplete or erroneous when received by us.
p. There may be other exceptions stated in this or any other applicable agreement that we may have with you.

19. Limits on Bank's Liability. Our liability for electronic fund transfers made to or from Deposit Accounts is also governed by Sections 16 and 18. If any provision herein is inconsistent with any provision of Section 15 or Section 17 or any provision of applicable law that cannot be varied or waived by agreement, the provisions of Section 15, Section 17, or applicable law shall control. To the fullest extent permitted by applicable law, you agree that we will have no liability whatsoever for any loss, damage, or claim arising out of any delay or failure in the performance of Origin Bank Online in accordance with the terms of this Agreement, including but not limited to, that resulting from our negligence. Our duties and responsibilities to you are strictly limited to those described in this Agreement, except with respect to any provisions of the law applying to electronic fund transfers that cannot be varied or waived by agreement. In no event will the Bank be liable for any consequential, special, or punitive damages or for any indirect loss that you may incur or suffer in connection with the Origin Bank Online service (even if the Bank has been informed of the possibility of such damages), including, without limitation, attorneys’ fees. The Service Provider is an independent contractor and not the Bank's agent. The Bank's sole duty shall be to exercise reasonable care in the initial selection of the Service Provider. YOU ACKNOWLEDGE THAT NO EXPRESS OR IMPLIED WARRANTY, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IS MADE BY THE BANK WITH RESPECT TO ANY ORIGIN BANK ONLINE SERVICE OR THE SOFTWARE, AND THE BANK HEREBY DISCLAIMS ALL SUCH WARRANTIES. The only warranties are those provided by the licensor of the Software and set forth on the Software package. To the fullest extent permitted by applicable law, and without limiting the generality of the foregoing, the Bank shall not be liable at any time to you or any other person for any loss, charge, fee, penalty, expense or other damages resulting from any failure or delay of the performance of the bank's responsibilities under this Agreement which is caused or occasioned by any act or thing beyond the Bank's reasonable control, including, without limitation, legal restraint, interruption of transmission or communication facilities, equipment failure, electrical or computer failure, war, emergency conditions, acts of God, fire, storm, or other catastrophe, or inability to obtain or delay in obtaining wire services or Internet access, or refusal or delay by the Service Provider or another bank or financial institution to execute any internal or external bank transfer or Bill Payment. In addition, the Bank shall be excused from failure or delay in executing an internal or external bank transfer or Bill Payment, if such execution would result in the violation of any applicable state or federal law, rule, regulation or guideline. To the fullest extent permitted by applicable law, you agree that the Bank shall not have any liability whatsoever for any loss caused by the act, error, or omission of you or any other person, including, without limitation, the Service Provider, any Internet access Service Provider, any federal reserve bank or transmission or communications facility or any intermediary or receiving financial institution, and no such person shall be deemed the Bank's agent.

20. Your Liability for Unauthorized or Erroneous Transfers. To the fullest extent permitted by applicable law, you agree to be responsible for all unauthorized or erroneous transactions initiated through Origin Bank Online. You have the obligation to immediately notify the Bank if your PIN has been lost or stolen, or if someone has transferred funds from your Deposit Account through Origin Bank Online without your permission (or is contemplating doing so). The following provisions of this Section apply only to your liability for unauthorized electronic fund transfers. An "unauthorized electronic fund transfer" means an electronic fund transfer from a Deposit Account that is initiated by another person without your authority to initiate the electronic fund transfer(s) and from which you receive no benefit. The term does not include any Origin Bank Online electronic fund transfer that is initiated by a person to whom you furnished your PIN, unless you have notified us that electronic fund transfers by that person are no longer authorized and we have had reasonable opportunity to act on that notification. We may require that the notice be in writing. You could lose all the money in your Deposit Account, some or all of the money in any linked account, or up to your maximum overdraft line of credit, if you have a check overdraft protection line of credit, or if you fail or refuse to immediately advise the Bank of the unauthorized use of your PIN. If your statement shows electronic fund transfers that you did not make, tell us at once. If you do not tell us within sixty (60) calendar days after the statement was mailed to you or an email was sent to you notifying you that your periodic statement was available for viewing, you shall not be entitled to assert a claim against the Bank, nor be entitled to any damages from the Bank, as to said unauthorized transfers. This thirty (30) day limitation is without regard as to the standard of care exercised by the Bank. If you believe your PIN has been lost or stolen or that someone has transferred or may transfer money from a Deposit Account without your permission call: 318-255-2222 or 318-242-7501 Or write: Origin Bank, Electronic Banking Division, PO Box 1325, Ruston, LA 71273-1325.

21. Rejection of Payment Orders; Overdrafts. You acknowledge that the Bank or the Service Provider may from time to time, in its sole discretion, reject any internal or external bank transfer or Bill Payment request (any "permanent order") or return any internal or external bank transfer or Bill Payment (a) if there are insufficient or unavailable funds in the Deposit Account or if the Deposit Account has been closed or is frozen, (b) if the payment order does not conform to the terms of this Agreement or the Software, or (c) if the payment order appears to be a duplicate, but neither the Bank nor the Service Provider is under any obligation to recognize that a payment is a duplicate and you should not rely on the Bank or the Service Provider to do so. If a payment order is rejected or a bank transfer or Bill Payment is returned, either the Bank or the Service Provider will notify you and you will have the sole obligation to remake the payment order in accordance with the terms of this Agreement and the Software. The Bank or the Service Provider may from time to time, in its sole discretion and without any obligation to do so, execute any payment order or make any internal or external bank transfer or Bill Payment even though an overdraft to the account results. To the extent permitted by applicable law, you agree that neither the Bank nor the Service Provider will have any liability whatsoever for refusing to accept any payment order or rejecting or returning any internal or external bank transfer or Bill Payment. If an overdraft occurs in a Deposit Account, you agree to cause sufficient available funds to pay the amount of the overdraft to be deposited into or credited to the Deposit Account before the end of that business day. Any overdraft existing at the close of a business day is immediately due and payable without notice or demand.

22. OVERDRAFT ADVANTAGE. Introduction: Origin Bank recognizes that from time to time, activity in your account may result in there being insufficient funds available to cover all checks, funds transfers, service charges, and other debit items and still leave a positive balance. Overdraft Advantage gives you an added level of protection against unanticipated cash flow emergencies and account reconciliation errors. At Origin Bank, we do not encourage overdrafts; as always, we encourage you to manage your finances responsibly. The purpose of this service is to save you from the embarrassment, additional merchant fees, or other problems that might result if a transaction item is denied because insufficient funds are in your checking account. If your account qualifies, Origin Bank may, at its sole discretion, allow such items to be paid, thus resulting in an overdraft or paid into uncollected funds account status. Qualifications: The Overdraft Advantage service is available to selected customers on a purely discretionary basis and may be revoked at any time at our discretion. This service is offered only in connection with accounts that are used primarily for consumer purposes, have been open for at least 60 days, and are in good standing with the Bank. You will be considered in good standing if you are not in default on any loan or other obligation with Origin Bank and if the account is not subject to an administrative or legal action, such as a levy. You may decline this service by contacting your Personal Banker or Account Officer.
Limitations: If your account does not have sufficient collected funds to cover all items presented or to be charged to it, Origin Bank is not obligated to pay such items, however, instead of automatically returning such items as unpaid, we may, at our discretion honor them subject to all customary fees and charges. We will generally not pay items which will create in excess of a $500 overdraft (negative) balance in your account. Normal bank fees and charges, including returned item charge/overdraft fee item charge of $35.00 for each item will be included in the calculation of this limit. However, we will charge you no more than five overdraft fee item charges per day and will not charge an overdraft fee item charge if your checking account is overdrawn $5 or less at the end of each business day. The $35.00 overdraft fee item charge applies to overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means if you opted in to the authorization and payment of ATM and everyday debit card transactions (Regulation E). You acknowledge that the charging and collection of these charges and fees are not interest or compensation charged by us, forbearance, or detention of money. No interest will be charged on overdraft balances. Overdraft Advantage will automatically be suspended if overdrawn more than 20 days.
Other Important Terms: Even if your account meets the above described eligibility criteria and is in good standing, we may refuse to pay an overdraft against the account even if we have previously paid overdrafts for you. You will be notified by mail of any insufficient funds items paid or returned that you may have. We do not have an obligation to notify you before we pay or return any item. We may at our discretion limit the number of accounts eligible for the Overdraft Advantage service to one account per household. You agree that you will promptly deposit funds sufficient to cover any overdrafts created in the account and that you will not allow overdrafts to exist for longer than thirty (30) days. All owners of the account are personally liable for any overdrafts paid on the account regardless of whether the overdraft was caused by an action of the owner(s) or a duly appointed agent.
This is a discretionary service, NOT an actual or implied contract or agreement. It may be withdrawn or withheld at any time at the sole discretion of the Bank without notice: The Overdraft Advantage service does not constitute an actual or implied contract or agreement between you and Origin Bank. The service is offered as a courtesy, and it may be withdrawn or withheld at any time by the bank without reason, cause, or prior notice.
Report to credit bureau: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

23. Disclosure of Deposit Account Information to Third Parties. You agree that we may from time to time disclose to third parties information about your Deposit Account or the transactions that you make through Origin Bank Online. We will disclose information to third parties about your Deposit Account or the transfers you make:
a. Where it is necessary for completing internal or external bank transfers or Bill Payment or providing any other service in connection with Origin Bank online banking; or
b. In order to verify the existence and condition of your Deposit Account for a third party, such as a credit bureau or merchant; or
c. In order to comply with government agency or court orders; or
d. If you give us your written permission.

24. Other Agreements; Severability; Governing Law. The terms and conditions of this Agreement are cumulative with and in addition to any terms of the signature cards or account agreements for your Deposit Account(s), the applicable account disclosures, the Service Schedule, the Schedule of Funds Availability, the Bank's Electronic Fund Transfer Agreement and Disclosure Statement, the agreements governing the Credit Accounts, and the Application, all as may be amended from time to time. In the event of any conflict between this Agreement and the content of the Software or any related materials regarding the Bank's obligations to you, the terms of this Agreement will control. If any provision of this Agreement is unlawful or unenforceable, the remaining provisions of the Agreement will continued to be in full force and effect. No consumer protection provision of the federal Electronic Fund Transfer Act or Federal Reserve Board Regulation E is intended to be waived by you under this Agreement unless the waiver is permitted by law. The parties agree to be bound by the operating rules and guidelines of the National Automated Clearing House Association and the applicable local automated clearing house association as in effect from time to time with respect to all automated clearing house transfers made hereunder. This Agreement will be governed by the substantive laws of the United States, applicable federal regulations, and to the extent not inconsistent therewith, the laws of the state where our offices holding the account(s) are located, without regard to such state's rules regarding conflict of laws.

25. Amendments. We may amend this Agreement from time to time. Each amendment will be effected by our mailing, emailing, posting on Origin Bank’s website or Origin Bank Online, or otherwise delivering the amendment, revised agreement and/or notice thereof to you in accordance with applicable federal or state laws. If no federal or state law specifically governs the amendment, the amendment shall by effected by mailing, emailing, posting on Origin Bank’s website or Origin Bank Online, or otherwise delivering it to you or posting it in our full-service branch offices at least 10 calendar days prior to the effective date of the amendment. Notwithstanding the foregoing and to the extent permitted by applicable law, we may change any term of this Agreement without prior notice or obligation to you: (a) if the Software of the Service Provider changes any term without providing us sufficient notice to enable us to properly notify you; (b) for security reasons; (c) to comply with applicable law; or (d) as otherwise expressly provided in this Agreement.

26. Termination. You agree that we may cancel or restrict your use of Origin Bank Online or any Origin Bank Online banking service at any time upon such notice (including e-mail) as is reasonable under the circumstances. You may cancel Origin Bank Online by written request to the bank at any time. If you cancel the Bill Payment service, all pending and/or recurring Bill Payments will be automatically canceled.

27. Assignment. You may not assign all or any part of your rights or obligations under this Agreement without our prior express consent, which may be withheld in our sole discretion. We may assign or delegate all or any part of our rights or obligations under this Agreement, including, without limitation, the performance of the services described herein. This Agreement will be binding on and inure to the benefit of the successors and assigns of either party.

28. No Third-Party Beneficiaries. This Agreement is for the benefit of you and the Bank and is not intended to grant, and shall not be construed as granting, any rights to or otherwise benefiting any other person, except as expressly otherwise provided in this Agreement.

29. CHOICE OF FORUM AND JURY TRIAL WAIVER. In the event any litigation is instituted to enforce or interpret the terms of this Agreement, you agree that the exclusive forum therefore shall be the Circuit Court of Ouachita Parish, Louisiana. In the event that the Bank is the prevailing party, the Bank shall be entitled to reimbursement for all reasonable attorneys' fees and costs incurred including, but not limited to, those incurred incident to any appeal. YOU WAIVE THE RIGHT TO TRIAL BY JURY OF ALL DISPUTES, CONTROVERSIES AND CLAIMS BY, BETWEEN OR AGAINST EITHER YOU OR THE BANK WHETHER THE DISPUTE, CONTROVERSY OR CLAIM IS SUBMITTED TO ARBITRATION OR IS DECIDED BY A COURT.

30. OWNERSHIP of MATERIALS. The content and information on our site is the property of Origin Bank. It should not be duplicated or copied by any means.