Common use of Receipt of Prospectus Clause in Contracts

Receipt of Prospectus. In connection with the Company's offer of Common Stock, I represent and warrant that I am over the age of 21 years and that I have received a copy of the Prospectus, and that I am relying on no representations other than those set forth in the Prospectus. I understand that my purchase of ebank Financial Services, Inc.'s Common Stock involves significant risk, as described under "RISK FACTORS" in the Prospectus. I also understand that no federal or state agency has made any finding or determination regarding the fairness of the Company's offering of Common Stock, the accuracy or adequacy of the Prospectus, or any recommendation or endorsement concerning an investment in the Common Stock.

Receipt of Prospectus. In connection with the Company's ’s offer of Common Stock, I represent and warrant that I am over the age of 21 years and that I have received a copy of the Prospectus, and that I am relying on no representations other than those set forth in the Prospectus. I understand that my purchase of ebank Financial Services, Inc.'s ’s Common Stock involves significant risk, as described under "RISK FACTORS" “Risk Factors” in the Prospectus. I also understand that no federal or state agency has made any finding or determination regarding the fairness of the Company's ’s offering of Common Stock, the accuracy or adequacy of the Prospectus, or any recommendation or endorsement concerning an investment in the Common Stock.

Receipt of Prospectus. In connection with the Company's ’s offer of Common Stock, I represent and warrant that I am over the age of 21 years and that I have received and read a copy of the Prospectus, and that I am relying on no representations other than those set forth in the Prospectus. I understand that my purchase of ebank Financial Services, Inc.'s ’s Common Stock involves significant risk, as described under "RISK FACTORS" “Risk Factors” in the Prospectus. I also understand that no federal or state agency has made any finding or determination regarding the fairness of the Company's ’s offering of Common Stock, the accuracy or adequacy of the Prospectus, or any recommendation or endorsement concerning an investment in the Common Stock.