Internet Banking Agreement (Continued)

Stopping, Canceling or Changing Bill Payments: You may use your PC to electronically change both the payment amount and the transaction date of any scheduled payment or to electronically cancel a payment. If you are unable to stop or cancel a payment through Habersham Bank's Internet Banking, you can request a stop or cancel a payment by calling Customer Service at 1-800-822-0316 or writing to us at Habersham Bank Customer Service, P.O. Box 1980, Cornelia, GA, 30531 in time for us to receive your request three business days or more before the transaction date. If you call, we may also require you to put your request in writing and to get it to use within fourteen days after you call. If you order us to stop a Recurring Payment three or more business days before the Transaction Date, and we do not do so, we will be liable for your losses or damages.

Limitation of Liability: Except as otherwise provide in this Agreement or by law, we are not responsible for any loss, injury or damage, whether direct, indirect, special or consequential, caused by Habersham Bank's Internet Banking or the use thereof or arising in any way out of the installation, use of your personal computer, telephone or other telecommunication equipment, any availability of our Internet Banking service, delay in operation or transmission, computer virus, loss of data, or otherwise.

Limitations of transactions: Federal law limits certain transfers and withdrawals from money market deposit accounts and savings accounts. For savings accounts, you may withdraw only 3 times during each quarter before being charged a fee for each withdrawal. The limits for money market accounts are 6 withdrawals and/or transfers from the account each monthly statement cycle by check, pre-authorized or automatic transfer, draft, debit card, data transmission, or telephonic agreement. Only three of these six transfers may be by check, draft, debit card, or similar order. If you exceed these transfer limitations in any statement cycle, your account will be subject to change to another type of account. Please see your deposit agreement for further detail.

Financial Institution's Liability: If we do not complete a transfer or payment to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:

> If your equipment or ours is not working properly and you know or have been advised by us about the malfunction before you execute the transaction;
> Your account does not contain sufficient funds to complete the payment or transfer, or the transfer would exceed the credit limit of your account;
> The payee mishandles or delays a payment sent by the Bank;
> You have not provided the Bank with the correct names or account information for those persons or entities you wish to pay;
> Circumstances beyond the Bank's control (such as, but not limited to, fire, flood, interference from an outside force) prevent the proper execution of the transaction and the Bank has taken reasonable precautions to avoid those circumstances.

Your Liability for Unauthorized Transfers: You agree not to give account access to any unauthorized individuals. If you believe that someone may attempt to access your account without your consent or has transferred money without your permission, you must call us immediately at 1-800-822-0316 or write to us at Habersham Bank, P. O. Box 1980, Cornelia, GA, 30531. Quickly telephoning us is the best way of reducing your possible losses.

If you believe your access ID and password have been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50, if someone used them without your authority.

If you do NOT tell us within 2 business days after you learn of the loss or theft or your access ID and password, and we can prove that we could have stopped someone from using them without your authority if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers covered by this agreement that you did not make or authorize, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason, (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

If we complete a transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction, you agree that we may reverse the transaction or offset the shortage with funds from any account you have with us. In any case, you are fully obligated to us to provide sufficient funds for any transfers you make or authorize.

Continued