Common use of Certain Agreements Related to Deposits Clause in Contracts

Certain Agreements Related to Deposits. Except as may be modified pursuant to Section 2.2, the Assuming Institution agrees to honor the terms and conditions of any written escrow or mortgage servicing agreement or other similar agreement relating to a Deposit liability assumed by the Assuming Institution pursuant to this Agreement. Module 1 – Whole Bank w/ Optional Shared Loss Agreements 26 High Trust Bank Version 3.1.1 – PURCHASE AND ASSUMPTION AGREEMENT Stockbridge, Georgia April 27, 2011 Table of Contents

Certain Agreements Related to Deposits. Except as may be modified pursuant to Section 2.2, the Assuming Institution agrees to honor the terms and conditions of any written escrow or mortgage servicing agreement or other similar agreement relating to a Deposit liability assumed by the Assuming Institution pursuant to this Agreement. Module 1 – Whole Bank w/ Optional Shared Loss Agreements 26 High Trust Citizens Bank of Effingham Version 3.1.1 3.0– PURCHASE AND ASSUMPTION AGREEMENT StockbridgePurchase and Assumption Agreement Springfield, Georgia April 27December 8, 2011 Table of Contents2010

Certain Agreements Related to Deposits. Except as may be modified pursuant to Section 2.2, the Assuming Institution agrees to honor the terms and conditions of any written escrow or mortgage servicing agreement or other similar agreement relating to a Deposit liability assumed by the Assuming Institution pursuant to this Agreement. Module 1 – Whole Bank w/ Optional Shared Loss Agreements 26 High Trust Bank Version 3.1.1 3.01 – PURCHASE AND ASSUMPTION AGREEMENT StockbridgeDecember 8, Georgia April 272010 26 New Horizons Bank East Ellijay, 2011 Table of ContentsGeorgia