Internet Banking Agreement (Continued)

Business Accounts: The limitations on customer liability set forth in the preceding paragraphs do not apply to accounts held by businesses. Business customers agree to review promptly all statements, notices and transaction information made available to them, and to report all unauthorized transactions and errors to us immediately. Business customers agree that we may process payment and transfer instructions, which are submitted with a correct customer identification number, and agree that such instructions will be deemed effective as if made by them, even if they are not transmitted or authorized by the customer.

Documentation: We will provide you monthly statements for your checking accounts. At a minimum, a quarterly statement will be provided for your savings account.

Equipment: We are not responsible for any loss, damage, or injury resulting from:
> An interruption in your electrical power or telephone services.
> The disconnecting of your telephone line by your local telephone company or from deficiencies in your line quality.
> Any defect or malfunction of your PC.

Business days: Our business days are Monday through Friday. Holidays are not included. Although payments and transfers may be initiated only on business days, Habersham Bank's Internet Banking is available 24 hours a day, seven days a week, except during maintenance periods, for the account inquiry, transfers, scheduling, modification, or review of payment and transfer 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 to: 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 or payment listed on your statement or appearing on your Account Transaction Screen on your PC. We must hear from you no later than 60 days after you received the FIRST statement on which the problem or error appeared.
> Tell us your name and Account number.
> 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.
> 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:
> Where it is necessary for completing a transaction.
> In order to verify the existence and condition of your Account to a third party, such as a credit bureau or merchant.
> In order to comply with a governmental agency or court orders.
> 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.

Entire Agreement: This agreement is the complete and exclusive agreement between you and us related to Habersham Bank's Internet Banking and supplements any other agreement or disclosure related to your Account. If the event of a conflict between this Agreement and any other agreement or disclosure related to your account or any statement by our employees 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 parties.

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.