Internet Banking Agreement

This Internet Banking Agreement ("Agreement") governs your use of Habersham Bank's Internet Banking. This system can be used to access account information, perform transfers, and bill payments. The terms of this Agreement are in addition to those that apply to any account or service you have with us. By using the Service, you agree to the terms of this Agreement. You should print this Agreement or obtain a copy from us. Please read this Agreement carefully and maintain a copy for your records.

In this Agreement, "you" or "your" refers to the person(s) subscribing to or using the Service; "we", "us", or "our" refers to Habersham Bank.

Eligible Accounts: You are required to have at least one eligible account that is identified by your Social Security Number to have access to Habersham Bank's Internet Banking. That account and all other existing and future accounts are linked together to form your banking relationship with us identified by your Social Security Number. Eligible accounts include: Checking, Savings, Money Market, Certificates of Deposit, Individual Retirement Accounts, or Loans.

Terms and Conditions: Your use of Habersham Bank's Internet Banking confirms your agreement to be bound by the terms and conditions of this Agreement. It also acts as your acknowledgement of your receipt and understanding of the disclosures in this Agreement.Ê You also agree to allow us to send electronically all disclosures or other information required under applicable law.

Except as required by law, rule, or regulation, we may modify or amend this Agreement at any time upon proper notice to you. When changes are made, we will update this Agreement on our Web site. Unless advance notice is required, changes are effective when first updated on the Web site.

We may terminate your use of Habersham Bank's Internet Banking, in whole or in part, at any time without prior notice. Your access to Habersham Bank's Internet Banking will be terminated automatically if your Account(s) is closed, or access to your Account is restricted, for any reason. Termination will not affect your liability or obligations under this Agreement for transactions we have processed on your behalf.

You may terminate your use of Habersham Bank's Internet Banking at any time. If you have scheduled payments you do not want processed, you must cancel those payments.

If any of the accounts from which you use Habersham Bank's Internet Banking is joint, each of you is jointly and severally obligated under this Agreement. Each owner will have a unique access ID and password and acting alone may perform transactions, obtain information, terminate this Agreement, allow one or more persons to access qualifying accounts if you provide them with your access ID and password. Each of you individually releases us from any liability and agrees not to make any claim or bring any action against us for honoring or allowing any access, actions or transactions where the person performing the access, action or transaction is one of you or is otherwise authorized to access the account. Each of you agrees to indemnify us and hold harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from any such claims or actions.

Types of Internet Banking Services: You may use the service with your Access ID and Password as follows:
> To pay bills from your checking account to third parties whom you have selected in advance to receive payment through Habersham Bank's Internet Banking in the amount and on the days you request.
> To transfer funds between your designated accounts.
> To receive balance information, activity information and any other information by electronic transmission of a visual display on selected bank accounts owned by you.
> To request Stop Payments on checks you have written on your bank accounts.
> To communicate with Habersham Bank via electronic mail for the purpose of account inquiries, maintenance and/or problem resolution issues.

Your Access ID and Password: We will provide you with a Access ID and Password, which you will use to obtain access to Habersham Bank's Internet Banking and your account information. You authorize Habersham Bank to follow any instructions you or your authorized agent, enter through Habersham Bank's Internet Banking using your Access ID and Password.

The Bill Payment Service: You may make payments through the Service to any business, merchant, or professional that generates a bill or invoice for products or services provided to you or on your behalf and that has an address we can verify. You may also make payments through Habersham Bank's Internet Banking to family members and individuals for nonbusiness purposes. We must have an address that can be verified. You may have up to 99 Payees. Payments may be made only to Payees with a U.S. payment address. You may not make a payment of alimony, child-support, taxes or other governmental fees or court-directed payments through Habersham Bank's Internet Banking.

You must provide sufficient information about each Payee, as we may request from time to time, to properly direct a payment to the Payee and permit the Payee to identify the correct account to credit with your payment.

A funds transfer performed on a business day between the hours of 9:00 a.m. and 5:00 p.m. ET will be immediately available. After 5:00 p.m. ET, the funds transfer may not result in immediate funds availability. If there are insufficient funds in an Account from which you are requesting a funds transfer, the transfer will not be performed.

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