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.

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