Bill Pay Agreement (Continued)

CANCELING OR CHANGING PAYMENTS
You may use your touch-tone telephone or personal computer with internet connection to electronically change both the payment amount and the Transaction Date of any scheduled payment or to electronically cancel a payment. Payments may be canceled, changed, or rescheduled in this manner any time prior to 5:00 p.m. Eastern Time on the Transaction Date.

STATEMENTS
All of your payments made through the Service during a particular month will appear on your monthly Account statement. The Payee name, Payment amount and Transaction Date will be reflected for each payment made through the Service.

EQUIPMENT
You are responsible for obtaining, installing, maintaining, and operating all touch-tone telephone equipment and personal computer connected to the internet equipment used to perform bill payments through the Service. We will not be responsible for any errors or failures from the malfunction or failure of your telephone or personal computer.

BUSINESS DAYS/HOURS OF OPERATION
Our business days are Monday through Friday. Holidays are not included. Although payments may be initiated only on business days, the Service is available 24 hours a day, seven days a week, except during maintenance periods, for the scheduling, modification, or review of payment orders.

ERRORS AND QUESTIONS
In case of errors or questions about your electronic transfers or payments, you should telephone:

> HABERSHAM BANK Customer Service at 1-800-822-0316
> Or write:HABERSHAM BANK Customer Service, P O Box 1980, Cornelia GA 30531

as soon as you can, if you think that your statement is wrong or if you need more information about a transfer listed on your statement. We must hear from you no later than 60 days after you received the FIRST statement on which the problem or error appeared.

a. Tell us your name and Account number.
b. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
c. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or questions in writing within 10 business days.

We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 business days to investigate your complaint or question. If we decide to do this, we will re-credit your Account within ten (10) business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing, and do not receive it within ten (10) business days, we may not re-credit your Account.

If we decide there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of documents that we used in our investigation.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
We will disclose information to third parties about your Account or the transaction you make:

a. Where it is necessary for completing a transaction.
b. In order to verify the existence and condition of your Account to a third party, such as a credit bureau or merchant.
c. In order to comply with a governmental agency or court orders.
d. If you give us written permission.

AUTHORIZATION TO OBTAIN INFORMATION
You agree that we may obtain and review your credit report from an authorized credit bureau. You also agree that we may obtain information regarding your Payee Accounts in order to facilitate proper handling and crediting of your payments.

Continued