EXHIBIT 10.4 CHANGE IN CONTROL SEVERANCE AGREEMENT THIS CHANGE IN CONTROL SEVERANCE AGREEMENT ("Agreement") entered into this 1st day of January, 1999 ("Effective Date"), by and between Heritage Bank (the "Bank") and Nancy McClellan (the "Employee")....Control Severance Agreement • August 12th, 1999 • CCF Holding Co • Savings institution, federally chartered • Georgia
