Service Definitions

"Bank" refers to Gulf Coast Bank and Trust

"Web Site" means any web site owned and operated by Gulf Coast Bank and Trust that contains information about available products or services and/or terms and conditions relating to any accounts, account information and/or transactions that you may view, perform, modify or otherwise access or use while using the service. Gulf Coast Bank and Trust sites include but not are limited to www.Gulfbank.com, the Online Banking Site, the Tuition Lending site and http://www.fiservsa93.com

"Service" means the Tuition Management Internet Banking services for Gulf Coast Bank and Trust Company ("Bank") offered for tuition financing, payment of tuition invoice, and tuition management service.

"Customer" refers to the person(s) subscribing to or using the Service

"Account" refers to all existing accounts and all accounts including a tuition loan account opened in the future of which you are an Owner and/or Authorized Signer

"Payment Account" means any account designated by you from which payments will be made through the payment features of the Services. The Payment Account that you designate for these services may or may not be a Gulf Coast Bank and Trust Co. account depending on the service used.

"Scheduled Payment Date" is the day you want your Payee to receive your tuition payment, unless the Scheduled Payment Date falls on a non-Business Day in which case the Scheduled Payment Date will be considered to be the next Business Day.

"Business Day" is every Monday through Friday, excluding Federal Reserve holidays

"Hours of Operation" are 8:00 am to 4:30 pm Monday through Friday

"Agreement" means these terms and conditions of the Service


The Customer agrees as follows: You may use a Personal Computer ("PC") through an Internet connection to obtain account balances and transaction information. You may also use your PC to obtain statements and certain notices on your accounts, retrieve images of debit and credit items that have posted to your account, transfer funds from another financial institution to pay your tuition invoice or your GCB tuition loan.


Each individual who has access to Tuition Management Internet Banking, must designate an Access ID. Upon enrollment in Tuition Management Internet Banking, you will enter your E-Mail address and Password. Your password must be a minimum of 8 characters. You may be required to change your password periodically to enhance security. Also, in response to the Federal Financial Institutions Examination Council’s (FFEIC) guidance regarding Authentication in an Electronic Banking Environment to add additional security measures to our online banking services you will also be required to authenticate your computer. To do this, after logging in for the first time, you will be required to:

1. Select security questions and answers
2. Select whether or not you wish to register the computer you are logged into as a personal computer (only register personal computers that you frequently use and that are not available for public use)

Then, each time you log into our Tuition Management Internet Banking site, Gulf Coast Bank will recognize you. If we do not recognize the computer you are using to log in, you will be asked to select a Security Question. If you enter the incorrect password or do not remember the password, select the Forgot your password? option to receive password reset instructions. You will be required to click on the link in the email to change your password.


You may access your account to:

• Sign up for a tuition loan
• Get balance information on your tuition loan
• Get payment history information on your tuition Loan
• Select payment option for your tuition and/or fees due your school

Preauthorized Payments

Right to stop preauthorized loan payments - If you have authorized us to generate electronic debit entries to a bank account in order to pay your tuition loan or authorized us to process a one-time debit to pay your tuition in full directly to the school, you can stop these payments. Call us at the number listed below in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.

Notice of varying amounts – If your regular loan payments vary in amount, we will notify you ten (10) days before the loan payment is processed advising the total amount of the draft and the date of processing by the Bank. You may choose instead to get this notice only when the payments would differ by more than certain amount from the previous payment, or when the amount would fall outside certain limits that you set.


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:

1. If, through no fault of ours, you do not have enough money in your account to make the transfer
2. If the money in your account is subject to legal process or other encumbrances restricting transfer
3. If the transfer would go over the credit limit on your overdraft line established at your depository bank (if any)
4. If the system was not working properly when you started the transfer
5. If circumstances beyond our control (such as fire or flood or systems failure) prevent the transfer
6. If you properly ordered us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we may be liable for your losses or damages

You may contact our Education Services Department at (504) 544-6370 or (855) 335-2068 during our Hours of Operation to cancel a recurring transfer.


At this time there are no fees charged for our Tuition Management Internet Banking Service. Fees may be established by Bank at any time.


You are solely responsible for the equipment (including, in the case of Internet Banking, your personal computer and software) you use to access the Service. We are not responsible for errors or delays or your inability to access the Service caused by your equipment. We are not responsible for the cost of upgrading your equipment to stay current with the Service nor are we responsible, under any circumstances, for any damage to your equipment.


FOR CONSUMER ACCOUNTS: Security of your transactions is important to us. Use of the Service will therefore require a password. If you forget your password, please click the "Forgot Your Password?" link after you enter your Access ID and verify your computer's authenticity. Your password or one time passcode will be forwarded to your email address of record. If you do not receive the email, check your spam folder first, then please call (504) 544-6370 during our Hours of Operation. We may accept as authentic any instructions given to us through the use of your password. You agree to keep your password secret and to notify us immediately if your password is lost or stolen or if you believe someone else 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, payments, or otherwise use the Services. Internet Banking Service enables you to change your password. 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 payments 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.

FOR CONSUMER ACCOUNTS ONLY: Tell us AT ONCE if you believe your tuition password has been lost or stolen. If you believe your password has been lost or stolen or that someone has transferred or made payments to your tuition loan account without your permission, call (504) 544-6370 during normal business hours listed above. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL.


In case of errors or questions about your electronic transactions, if you think your statement is incorrect, or if you need more information about a transaction listed on the statement.
Telephone us as soon as you can at:
(504) 544-6370 or toll free at (855) 335-2068 8:30am - 4:30 pm (CST), Monday through Friday,
Or write us at:

Gulf Coast Bank & Trust Company
201 Huey P Long Ave
Gretna, LA 70053
Attention: Tuition Lending

1. Tell us your name and Account number
2. 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
3. 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 and notify you.


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

1. Where it is necessary for completing transactions or resolving errors involving the Services
2. In order to verify the existence and/or condition of your account for a third party, such as the guarantor
3. In order to comply with government agency rules, court orders, or other applicable law
4. To our employees, service providers, auditors, collection agents, affiliated companies, or attorneys in the course of their duties and to the extent allowed by law
5. If you give us your permission.


You agree that we may obtain and review your personal information to satisfy the US Patriot Act or other government requirements.


We reserve the right to terminate the Services, in whole or in part, at any time with or without cause and without prior written notice. In that event, or in the event that you give us a termination notice, we may (but are not obligated to) immediately discontinue making previously 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 Services in situations deemed appropriate by us, in our sole and absolute discretion, including when we believe a breach of system security has occurred or is being attempted. We may consider repeated incorrect attempts to enter your PIN 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.


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 Services or the use thereof or arising in any way out of the installation, operation, or maintenance of your PC equipment.
No waiver of the terms of this Agreement will be effective, unless in writing and signed by an authorized officer of the BANK.


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


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.


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 we send you, or 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 our Account records or e-mailed to the e-mail address provided by you upon registration or given by you to a Bank representative.


In consideration of being allowed access to the Services, you agree to indemnify and hold the BANK harmless for any losses or damages to the BANK resulting from the use of the Services, to the extent allowed by applicable law.


By accessing the Services, you hereby acknowledge that you will be entering a protected web site owned by the BANK, which may be used only for authorized purposes. The 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.