ACH Debit Agreement Terms and Conditions 

This Agreement ("Agreement") supplements, amends and is part of the Deposit Terms and Conditions ("Deposit Agreement") between you and Georgia Banking Company (the "Bank" or "us"), which is hereby ratified, affirmed, incorporated and otherwise continues to apply. This Agreement describes your rights and obligations in funding your account through a one-time debit. Please read it and make a copy for your records. By clicking "I accept" accessing and using the service, you agree to be bound by this Agreement. You and/or your Authorized User(s) must abide by all agreements governing your account. You authorize the Bank to initiate an Automated Clearing House ("ACH") debit from the checking or savings account at an unaffiliated financial institution ("Account") in the United States that you authorize to fund your account. You must be an owner on the Account. Funds must be on deposit with the Account before entering this Agreement. You acknowledge that the origination of an ACH debit to your Account must comply with all applicable laws, regulations, and rules, including but not limited to the National Automated Clearing House Association ("NACHA") rules. In the event of any error, you authorize the Bank to take any and all action to correct the error. You agree to indemnify and hold harmless the Bank from all costs, including attorneys' fees, damages, or claims related to the Bank's action in refusing payment on an item or in failing to cancel or process an item as a result of incorrect information provided by you.

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