Bill Pay Agreement (Continued)

JOINT ACCOUNTS
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.

PAYMENT GUARANTEE
Subject to the foregoing limitations on our liability, we will reimburse you for any late payment fees or penalties you are charged, up to the maximum of $50 per scheduled payment, as a result of the failure of a Business Payee to receive a payment made through the Service by the Due Date if you meet each of the following conditions:

a. You must properly schedule the payment to be initiated on a Transaction Date at least five (5) business days prior to the Due Date. For Same Day Payments, this means that you must initiate your payment before 2:00 p.m. Eastern Time on a business day at least five (5) business days prior to the Due Date.
b. You must provide us with the correct Payee name, address, and account information and with the correct payment amount.
c. On the Transaction Date, your Account must contain sufficient funds, excluding overdraft protection, to complete the payment or transfer.
d. The Payee must be a Business Payee.
e. The late payment fee or penalty, or the method of its calculation, must be published by the Payee prior to the Due Date.

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.

Continued