Thank you for your interest in North Georgia National Bank's Internet Banking product. We appreciate your business and pledge to continue providing the highest quality products and services to accommodate our customers. Please review the following disclosure information and click "I Accept" to begin the process of Banking Online. To do so will activate the Contract, which follows. By your activation, you agree to accept by electronic delivery this agreement and disclosure. You further acknowledge receipt of this agreement and disclosure and agree to be bound by the terms and conditions herein.

North Georgia National Bank has expanded its banking services to utilize the convenience and efficiency of Internet technology. You ("Customer") understand that the terms set forth are in addition to those that apply to any other accounts that Customer has with North Georgia National Bank or any other service Customer thereafter obtains from North Georgia National Bank. Customer further understands that any additional instructions and procedures applicable to the services covered by this Agreement provided by North Georgia National Bank must also be followed.

Now, therefore, in consideration of the mutual promises and covenants contained herein, and for the other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, North Georgia National Bank and Customer hereby agree as follows:

1. Initial Access

To activate Customer's Internet Banking service, Customer must have at least one active account with North Georgia National Bank. To access North Georgia National's Internet Banking, Customer will initially use a temporary Log on ID as established by North Georgia National Bank. Customer will enter a new Log on Access ID and password during the first connection online with banking information.

The Log-on ID must be eight to twelve (8-12) characters.

The password criteria is as follows:

• Minimum Password Length 8
• Maximum Password Length 12
• Number of Alpha Characters Required 1
• 1 Capital Letter
• 1 special characters
• Passwords are case sensitive and can be changed at any time by the account holder through our Online Banking Service.

Customer shall take all reasonable and necessary precautions online to protect Access ID and password, such as not leaving the computer unattended while online; not sending over any public or general E-mail systems; and not giving or disclosing any part of the ID or password to any other party. Customer understands that anyone to whom Customer gives the password will have full access to Customer's accounts. You should carefully select a password that is hard to guess. (We suggest that you do not use names, dates, and information that may easily be guessed.) For security purposes, we recommend that you memorize the password and do not write it down.

2. Customer Liability

Customer shall immediately notify North Georgia National Bank in person or by telephone if customer believes that his/her ID, password, or other means of access may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account.

North Georgia National Bank must receive written notice two (2) business days after Customer learns of such adverse event. If notice is timely given, Customer shall be responsible for no more than $50.00 in losses resulting from unauthorized access. If Customer fails to notify North Georgia National Bank within 2 business days after Customer learns of the loss or theft of Customer's password, ID, or other means of access, Customer shall be responsible for the full amount of losses resulting from such unauthorized access. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not be reimbursed for the money you lost after the 60 days if we can prove that timely action could have been taken to prevent someone from taking the money.

3. Using Customer Log-on and password, Customer may use Internet connection to:

• Perform account inquiries on checking, money market, savings, certificate, and loan accounts View statement transaction detail on your accounts
• Transfer of funds between North Georgia National Bank deposit and/or loan accounts
• Initiate instructions for placing a stop payment on your checking account
• Download files to your financial management software

4. Hours of Accessibility and Business days

Access to the system is open 7 days a week, 24 hours a day. Only minimal downtime is expected for maintenance, upgrades, and processing; however, the System may be unavailable or slowed from time to time due to factors beyond our control, such as high internet traffic. Our business days are Monday through Friday, excluding holidays.

5. Fees and Charges

We do not charge for Internet Banking Features.
Normal bank fees will be assessed for completed stop payments.
Normal check printing fees will be assessed when check orders are processed.
Normal wire transfer fees will be assessed when wire completed.

6. Stop Payment Orders

You may initiate stop payment(s) on check(s) drawn on your eligible linked accounts via on-line instructions to the Bank. This on-line feature cannot be used to stop payment on a pre-authorized electronic fund transfer (ACH), a paper draft, or a series or range of checks. To be effective, your stop-payment order must precisely identify the number, amount of the item and the payee. When we receive a stop payment order in this manner, you authorize us to follow the stop payment instructions that we receive on-line via access that was gained through the use of your access codes and to debit your account for the stop payment fee in accordance with the Bank's current schedule of fees. We must receive your stop payment order in time to give us a reasonable opportunity to act on it before our stop payment cutoff time or before we have paid the item, whichever occurs first. We are not obligated to honor your stop payment order if we have already paid the item before we receive your instructions, such as might occur if we cashed the item at a teller window or issued a money order against the item. Stop Payment requests are valid for a period of six (6) months unless you instruct us to cancel it or renew it. You may cancel a stop payment at any time, at the Bank. We may pay the check if it is presented to us after the stop payment expires.

7. Internet Transfer of funds

Customer must maintain sufficient funds in accounts to cover any request for transfers. If North Georgia National Bank completes a payment transfer that Customer makes or authorizes and North Georgia National Bank subsequently learns that Customer has insufficient funds for the transaction, Customer agrees that North Georgia National Bank may reverse the transaction or offset the shortage with funds from any other account Customer has with North Georgia National Bank. In any case, Customer is fully obligated to provide sufficient funds for any payments or transfers Customer makes or authorizes.

Transfers are final at the time North Georgia National Bank receives Customer's instructions. North Georgia National Bank will make transferred funds immediately available to the affected accounts. Your transfer instructions must be received by the Bank no later than 4:00 P.M. on any Business Day ("the Cut-Off Time") in order for the transaction to be completed on that Business Day.

Each transfer initiated on a non-business day or legal bank holiday will be considered initiated on the next ensuing business day.

Transfers can only be made between accounts for which you are an authorized signer.

Limitations on Transfers.

If your account is a savings or money account, transfers from the account are limited in accordance with the deposit account agreement governing that account. In general, transfers through Internet Banking will count towards a maximum of six transfers allowed from the account in any statement cycle. If you exceed these limits, we may convert your account to a demand deposit account. Payments to your loan accounts may not count towards these limits. These limitations on frequency of transfers do not apply to transfers from a checking account.

Periodic Statements:

You will get a monthly account statement from us for your checking account(s).
You will get a monthly account statement from us for your Savings account, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly. If you have a Checking account with us, you will get a monthly account statement from us for your Checking accounts.

8. Canceling the Service:

To Cancel North Georgia National Bank's Internet Banking / Mobile Banking, Customer must contact North Georgia National Bank in writing or by E-mail to notify of Customer's decision to cancel. North Georgia National Bank reserves the right to cancel or suspend Customer's service at any time without notice due to insufficient funds or improper usage of the service. After cancellation, service may be reinstated, at the sole discretion of North Georgia National Bank upon Customer's request, provided that funds are available to cover the cost of any fees or pending transfers. North Georgia National Bank may cancel Customer's service at any time for any account, which has not been accessed by Customer for a period of three (3) consecutive months.

9. Limitations on Bank Liability:

Liability for failure to make transfers. If we do not complete a transfer 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, through no fault of ours, you do not have enough money in your account to make the transfer.
• If you have an overdraft line and the transfer would go over the credit limit.
• If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
• If you have not completely and properly followed the terms of the Agreement or instructions provided by the software regarding how to make an electronic fund transfer.
• If any date or instruction transmitted via our web site are inaccurate or incomplete.
• There may be other exceptions stated in our agreement with you.

North Georgia National Bank shall not be responsible for the following incidents or errors:

Access: North Georgia National Bank shall not be responsible for failure to provide access or for interruptions in access due to system failure or due to other unforeseen acts or circumstances.

Customer's Computer Equipment or Software: North Georgia National Bank shall not be responsible for any errors or failures resulting from any malfunction of Customer's computer or any computer virus or other problems related to Customer's computer equipment used in connection with the services described in this Agreement. North Georgia National Bank shall not be liable for any error, damages or other losses Customer may suffer due to malfunction or misapplication of any system used by Customer, including, but not limited to, browsers (Microsoft Explorer, Netscape Navigator, or otherwise), Internet service providers (ISP), personal financial management or other software (such as Quicken or Microsoft Money), or any equipment used (including telecommunications facilities, computer hardware and modem) by Customer to access or communicate under this agreement.

10. Error Resolutions:

In case of Errors or Questions About Your Electronic Transfers, Call us or write to us at North Georgia National Bank, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number (if any).
2. 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.
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, or a foreign-initiated transfer) to investigate your complain or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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 we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.

We will tell you the results within three business days after completing our investigation. If we decided that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

11. Other Provisions

Electronic Notice: By Customer's consent to this Agreement, Customer consents that North Georgia National Bank may send notices by electronic mail (E-mail). Customer may use E-mail to contact North Georgia National Bank about inquiries, and/or some problem resolution issues. Customer understands that E-mail may not be a secure method of communication. North Georgia National recommends that no confidential, personal or financial information be sent by E-mail. There may be times when you may need to speak with someone immediately, especially to report a lost or stolen PIN, or to stop a payment. In these cases, do not use E-mail. Instead, call North Georgia National Bank's office.

Ownership of Website: The content, information and offerings on our website are owned by North Georgia National Bank, and the unauthorized use, reproduction, linking or distribution of any portions are strictly prohibited.

Other Sites: This site may contain links to other sites on the Internet. These would be provided for your convenience. Links to another site do not constitute North Georgia National Bank approval or endorsement of that site or its products or advertisements.

Amendments: From time to time, we may amend any part of this Agreement, including our fee structure. We will provide you with advance notice of changes in Fees and Charges, or if otherwise required by law. In other cases, we may provide you with notice either before or after the change.

Termination: We reserve the right to terminate this Agreement and your access to Internet Banking at any time with or without prior notice.

Entire Agreement: This Agreement sets forth the entire agreement between the parties, and it shall supercede all prior understanding or agreements between the parties, whether written or oral.