Bill Pay Agreement (Continued)

NOTICES AND COMMUNICATIONS
You agree that we may send or provide by electronic communication any notice, communication, or disclosure required to be provided orally or in writing to you. We may require written paper confirmation from you of any electronic communication which this Agreement permits you to make to us.

TERMINATION
You may terminate your use of the Service at any time by calling HABERSHAM BANK Customer Service at 1-800-822-0316. We may terminate your use of the Service, in whole or in part, at any time without cause or prior notice, other than any required by federal or state law. Your access to the Service will be terminated automatically if your account is closed, or access to your account is restricted, for any reason. If you would like to transfer the Service to a different account with us, you must provide three (3) business days advance written notice. Termination will not affect your liability or obligations under this Agreement.

LIMITATION OF LIABILITY
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 Service or the use thereof or arising in any way out of the installation, use of maintenance of your telephone or other telecommunication equipment or personal computer.

ENTIRE AGREEMENT
This agreement is the complete and exclusive agreement between you and us related to the Service and supplements any other agreement or disclosure related to your Account. In the event of a conflict between this Agreement and any other agreement or disclosure related to your Account or any statement by our employees or agents, this Agreement shall control.

WAIVERS
No delay or omission by us in exercising any rights or remedies thereunder shall impair such right or remedy or be construed as a waiver of any such right or remedy. Any single or partial exercise of a right or remedy shall not preclude further exercise therefore or the exercise of any other right or remedy. No waiver shall be valid unless in writing signed by us.

ASSIGNMENT
You may not assign this Agreement to any other party. We may assign this Agreement or delegate any or all of our rights and responsibilities under this agreement to any third party.

GOVERNING LAW
All matters, whether sounding in contract or tort, relating to the validity, construction, interpretation, or enforcement of this agreement, shall unless governed by federal law, be determined by the laws of the State of Georgia, without regard to that state's choice of law rules, whether you are now or later become a resident of another state.

AMENDMENTS
We may modify or amend this Agreement at any time upon proper notice to you. When changes are made, we will update this agreement at the Website. Changes will be effective when first updated on the Website unless law, rule, or regulation requires advance notice in which case the change will be effective in accordance with the law, rule, or regulation.