Document:

EXHIBIT 10.10

                                      ebank

                              EMPLOYMENT AGREEMENT

                  This EMPLOYMENT AGREEMENT (this "Agreement") is made by and
between ebank, formerly Commerce Bank, (the "Employer"), and James L. Box, an
individual resident of Georgia (the "Employee"), as of this 18th day of June,
2001 ("Effective Date").

                  The Employer presently employs the Employee as its Chief
Executive Officer and President and as the Chief Executive Officer and President
of ebank.com, Inc. (the "Holding Company"), the holding company for the
Employer. The Employer recognizes that the Employee's contribution to the growth
and success of the Employer is substantial. The Employer desires to provide for
the continued employment of the Employee and to make certain changes in the
Employee's employment arrangements which the Employer has determined will
reinforce and encourage the continued dedication of the Employee to the Employer
and will promote the best interests of the Employer and its shareholders. The
Employee is willing to continue to serve the Employer on the terms and
conditions herein provided.

                  Upon execution by both parties hereto, this Agreement shall
supercede and replace any previous employment agreement, including the
Employment Agreement dated as of May 23, 2000 (the "2000 Employment Agreement"),
between the Employer and the Employee, pursuant to which Employer employed the
Employee as its Chief Financial Officer and Chief Operating Officer, and any
previous employment agreement, including the 2000 Employment Agreement, between
the parties shall be of no further force and effect.

                  In consideration of the foregoing, the mutual covenants
contained herein, and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto, intending to
be legally bound, hereby agree that on the Effective Date:

         1. Employment. The Employer shall continue to employ the Employee, and
the Employee shall continue to serve the Employer, as the Chief Executive
Officer and President of the Employer and the Holding Company upon the terms and
conditions set forth herein. The Employee shall have such authority and
responsibilities as are consistent with his position and which may be set forth
in this Agreement or assigned by the Board of Directors from time to time. The
Employee shall devote his full business time, attention, skill and efforts to
the performance of his duties hereunder, except during periods of illness or
periods of vacation and leaves of absence consistent with the Employer's policy.
The Employee may devote reasonable periods of time to perform charitable and
other community activities and to manage his personal investments; provided,
however, that such activities will not materially interfere with the performance
of his duties hereunder and will not be in conflict or competitive with, or
adverse to, the interests of the Employer. Under no circumstances will the
Employee work for any competitor or have any financial interest in any
competitor of the Employer; provided, however, that the Employee may invest in
up to 1% of the publicly-traded stock or securities of any company whose stock
or securities are traded on a national exchange.

<PAGE>

         2. Term. Unless earlier terminated as provided herein, the Employee's
employment under this Agreement shall be for a term (the "Term") of one year,
subject to renewal each year for an additional year upon satisfactory review of
the Employee's performance and written approval by the Board of Directors.

         3. Compensation and Benefits.

                  a. The Employer shall pay the Employee a salary at a rate of
not less than $125,000 per annum in accordance with the salary payment practices
of the Employer. The Board of Directors shall review the Employee's salary at
least annually and may increase the Employee's base salary if it determines in
its sole discretion that an increase is appropriate.

                  b. The Employee shall participate in any retirement, welfare,
deferred compensation, life and health insurance, and other benefit plans or
programs of the Employer now or hereafter applicable to the Employee or
applicable generally to employees of the Employer, as determined by the Board of
Directors.

                  c. The Employer shall continue to reimburse the Employee for
reasonable travel and other expenses related to the Employee's duties which are
incurred and accounted for in accordance with the Employer's standard business
practices.

                  d. The Employee shall be eligible to receive cash bonuses
based on the Employee's achievement of specified goals and criteria. These goals
and criteria may include both annual and long-term goals, may provide for
vesting over a specified time period, and shall be established annually by the
Compensation Committee of the Board of Directors and attached to and made a part
of this Agreement (the "Bonus Plan"). Unless provided otherwise in any
particular Bonus Plan, each annual award will vest on January 1 of the year
following the year for which the award is earned, provided that the Employee is
actively employed on such date, and each long-term incentive compensation award
will vest in equal portions on January 1 of the three years following the year
in which the award is earned, provided that the Employee is actively employed on
each such date. The Employer shall make payment on any vested bonus within a
reasonable period after vesting thereof.

4.       Termination.

                  a. The Employee's employment under this Agreement may be
terminated prior to the end of the Term only as follows:

                       (i) upon the death of the Employee;

                       (ii) upon the disability of the Employee for a period of
                       180 days which, in the opinion of the Board of Directors,
                       renders him unable to perform the essential functions of
                       his job and for which reasonable accommodation is
                       unavailable. For purposes of this Agreement, a
                       "disability" is defined as a physical or mental
                       impairment that substantially limits one or more major
                       life activities, and a

                                       2
<PAGE>

                       "reasonable accommodation" is one that does not impose an
                       undue hardship on the Employer;

                       (iii) upon the determination of Cause for termination, in
                       which event such employment may be terminated by written
                       notice at the election of the Employer. For purposes of
                       this Agreement, termination for "Cause" shall include
                       termination because of the Employee's personal
                       dishonesty, incompetence, willful misconduct, breach of a
                       fiduciary duty involving personal profit, intentional
                       failure to perform stated duties, willful violation of
                       any law, rule, or regulation (other than traffic
                       violations or similar offenses) or final cease-and-desist
                       order, or material breach of any provision of this
                       Agreement. In addition, "Cause" shall consist of (A) the
                       commission by the Employee of a willful act (including,
                       without limitation, a dishonest or fraudulent act) or a
                       grossly negligent act, or the grossly negligent omission
                       to act by the Employee, which is intended to cause,
                       causes, or is reasonably likely to cause, material harm
                       to the Employer (including harm to its business
                       reputation), (B) the indictment of the Employee for the
                       commission or perpetration by the Employee of any felony
                       or any crime involving dishonesty, moral turpitude or
                       fraud, (C) the material breach by the Employee of this
                       Agreement that, if susceptible of cure, remains uncured
                       ten days following written notice to the Employee of such
                       breach, (D) the exhibition by the Employee of a standard
                       of behavior within the scope of his employment that is
                       materially disruptive to the orderly conduct of the
                       Employer's business operations (including, without
                       limitation, substance abuse or sexual misconduct) to a
                       level which, in the Board of Directors' good faith and
                       reasonable judgment, is materially detrimental to the
                       Employer's best interest, that, if susceptible of cure,
                       remains uncured ten days following written notice to the
                       Employee of such specific inappropriate behavior, or (E)
                       the failure of the Employee to render the services
                       hereunder in accordance with an appropriate performance
                       standard determined in the sole discretion of the Board
                       of Directors; or

                       (iv) upon 30 days written notice thereof to the Employee
                       from the Employer (termination "Without Cause"), provided
                       that in the event of any such termination Without Cause,
                       Section 4(e) shall be applicable thereto.

                  b. If the Employee's employment is terminated because of the
Employee's death, the Employee's estate shall receive any sums due him as base
salary and/or reimbursement of expenses through the end of the month during
which death occurred, plus any bonus earned or accrued under the Bonus Plan
through the date of death (including any amounts awarded for previous years but
which were not yet vested) and a pro rata share of any

                                       3
<PAGE>

bonus with respect to the current fiscal year which had been earned as of the
date of the Employee's death.

                  c. During the period of any incapacity leading up to the
termination of the Employee's employment as a result of disability, the Employer
shall continue to pay the Employee his full base salary at the rate then in
effect and all perquisites and other benefits (other than any bonus) until the
Employee becomes eligible for benefits under any long-term disability plan or
insurance program maintained by the Employer, provided that the amount of any
such payments to the Employee shall be reduced by the sum of the amounts, if
any, payable to the Employee for the same period under any disability benefit or
pension plan of the Employer or any of its subsidiaries. Furthermore, the
Employee shall receive any bonus earned or accrued under the Bonus Plan through
the date of incapacity (including any amounts awarded for previous years but
which were not yet vested) and a pro rata share of any bonus with respect to the
current fiscal year which had been earned as of the date of the Employee's
incapacity.

                  d. If the Employee's employment is terminated for Cause as
provided above, or if the Employee resigns (except for a termination of
employment pursuant to Section 4(f)), the Employee shall receive any sums due
him as base salary and/or reimbursement of expenses through the date of such
termination, but Employee will thereby forfeit any rights in any unpaid bonus,
including, without limitation, any bonus amounts awarded for previous years
which were not yet vested and any share of any bonus with respect to the current
fiscal year which had been earned as of the date of such termination or
resignation.

                  e. If the Employee's employment is terminated Without Cause,
the Employer shall pay to the Employee severance compensation in an amount equal
to 100% of his then-current monthly base salary each month for 24 months from
the date of termination, plus any bonus earned or accrued under the Bonus Plan
through the date of termination and a pro rata share of any bonus with respect
to the current fiscal year which had been earned as of the date of the
Employee's termination. However, Section 4(f) shall apply instead of this
Section 4(e) to any termination Without Cause after a Change in Control.

                  f. Upon a Change in Control, the Employee may terminate his
employment hereunder for any reason upon delivery of notice to the Employer
within a 90-day period beginning upon the occurrence of a Change in Control or
within a 90-day period beginning on the one year anniversary of the occurrence
of a Change in Control. (A) Except as set forth in subsection (B) below, if the
Employee terminates his employment pursuant to this Section 4(f) or if the
Employer terminates the Employee Without Cause after a Change in Control, in
addition to other rights and remedies available in law or equity, the
restrictive covenants contained in Section 9 shall not apply and, in addition,
the Employee shall be entitled to the following: (i) the Employer shall pay the
Employee in cash within 15 days of such termination date any sums due him as
base salary and/or reimbursement of expenses through the date of such
termination, plus any bonus earned or accrued under the Bonus Plan through the
date of termination (including any amounts awarded for previous years but which
were not yet vested) and a pro rata share of any bonus with respect to the
current fiscal year which had been earned as of the date of the Employee's
termination (and any forfeiture in other restrictive provisions

                                       4

<PAGE>

applicable to each award shall not apply); and (ii) the Employer shall pay the
Employee in cash within 15 days of such termination date one lump sum payment in
an amount equal to the Employee's then current annual base salary multiplied by
two (without taking into account the amount of the Term which may have lapsed by
such date). (B) If the Employee terminates his employment within 30 days of a
Change in Control or if the Employer terminates the Employee Without Cause
within 30 days of a Change in Control, all of the provisions of subsection (A)
above shall apply, except that the Employer shall pay the Employee in cash
within 15 days of such termination date one lump sum payment in an amount equal
to the Employee's then current annual base salary multiplied by three (without
taking into account the amount of the Term which may have lapsed by such date).

                  g. With the exceptions of the provisions of this Section 4,
and the express terms of any benefit plan under which the Employee is a
participant, upon termination of the Employee's employment, the Employer shall
have no obligation to the Employee for, and the Employee waives and
relinquishes, any further compensation or benefits (exclusive of COBRA
benefits). At the time of termination of employment, the Employee shall enter
into a form of release acknowledging such remaining obligations and discharging
the Employer, as well as the Employer's officers, directors and employees with
respect to their actions for or on behalf of the Employer, from any other claims
or obligations arising out of or in connection with the Employee's employment by
the Employer, including the circumstances of such termination.

                  h. In the event that the Employee's employment is terminated
for any reason and the Employee serves as a director of the Employer or of any
subsidiary of the Employer, the Employee shall (and does hereby) tender his
resignation from such positions effective as of the date of termination.

                  i. The parties intend that the severance payments and other
compensation provided for herein are reasonable compensation for the Employee's
services to the Employer and shall not constitute "excess parachute payments"
within the meaning of Section 280G(b) of the Internal Revenue Code of 1986 and
any regulations thereunder. In the event that the Employer's independent
accountants acting as auditors for the Employer on the date of a Change in
Control determine that the payments provided for herein constitute "excess
parachute payments," then the Employee's compensation payable hereunder shall be
decreased, so as to equal an amount that is $1.00 less than three times the
Employee's "base amount," as that term is defined in Section 280G(b) of the
Internal Revenue Code, if, and only if, reducing the Employee's compensation
will put the Employee in a better after-tax position than if the Employee's
compensation was not reduced.

                  j. Notwithstanding anything to the contrary herein, if the
Employee is suspended or temporarily prohibited from participating in the
conduct of the Employer's affairs by a notice served under section 8(e)(3) or
(g)(1) of Federal Deposit Insurance Act (12 U.S.C. 1818 (e)(3) and (g)(1)), the
Employer's obligations under this Agreement shall be suspended as of the date of
service unless stayed by appropriate proceedings. If the charges in the notice
are dismissed, the Employer may in its discretion (i) pay the Employee all or
part of the compensation withheld while the obligations under this Agreement
were suspended and (ii) reinstate (in whole or in part) any of such obligations
which were suspended.

                                       5

<PAGE>

                  k. Notwithstanding anything to the contrary herein, if the
Employee is removed or permanently prohibited from participating in the conduct
of the Employer's affairs by an order issued under section 8 (e)(4) or (g)(1) of
the Federal Deposit Insurance Act (12 U.S.C. 1818 (e)(4) or (g)(1)), all
obligations of the Employee under this Agreement shall terminate as of the
effective date of the order, but any vested rights of the parties hereto shall
not be affected.

                  l. Notwithstanding anything to the contrary herein, if the
Employer is in default (as defined in section 3(x)(1) of the Federal Deposit
Insurance Act), all obligations under this Agreement shall terminate as of the
date of default, but this paragraph (4)(e) shall not affect any vested rights of
the parties hereto.

                  m. Notwithstanding anything to the contrary herein, all
obligations under this Agreement shall be terminated, except to the extent
determined that continuation of this Agreement is necessary for the continued
operation of the Employer, in the following cases:

                           (a) By the Director of the Office of Thrift
                  Supervision (the "OTS Director") or his or her designee, at
                  the time the Federal Deposit Insurance Corporation enters into
                  an agreement to provide assistance to or on behalf of the
                  Employer under the authority contained in 13(c) of the Federal
                  Deposit Insurance Act; or

                           (b)  By the OTS Director or his or her
                  designee, at the time the OTS Director or his or her designee
                  approves a supervisory merger to resolve problems related to
                  operation of the Employer or when the Employer is determined
                  by the OTS Director to be in an unsafe or unsound condition.

                  n. Any payments made to the Employee pursuant to this
Agreement, or otherwise, are subject to and conditioned upon their compliance
with 12 U.S.C. Section 1828(k) and any regulations promulgated thereunder.

         5. Ownership of Work Product. The Employer shall own all Work Product
arising during the course of the Employee's employment (prior, present or
future). For purposes hereof, "Work Product" shall mean all intellectual
property rights, including all Trade Secrets, U.S. and international copyrights,
patentable inventions, and other intellectual property rights, in any
programming, documentation, technology, work of authorship or other work product
that relates to the Employer, its business or its customers and that Employee
conceives, develops, or delivers to the Employer or that otherwise arises out of
the services provided by the Employee to the Employer hereunder, at any time
during his employment, during or outside normal working hours, in or away from
the facilities of the Employer, and whether or not requested by the Employer. If
the Work Product contains any materials, programming or intellectual property
rights that the Employee conceived or developed prior to, and independent of,
the Employee's work for the Employer, the Employee agrees to identify the
pre-existing items to the Employer, and the Employee grants the Employer a
worldwide, unrestricted, royalty-free right, including the right to sublicense
such items. The Employee agrees to take

                                       6
<PAGE>

such actions and execute such further acknowledgments and assignments as the
Employer may reasonably request to give effect to this provision.

         6. Protection of Trade Secrets. The Employee agrees to maintain in
strict confidence and, except as necessary to perform his duties for the
Employer, the Employee agrees not to use or disclose any Trade Secrets of the
Employer during or after his employment. For the purposes hereof, "Trade Secret"
means information, including, without limitation, technical or non-technical
data, a formula, a pattern, a compilation, a program, a device, a method, a
technique, a process, a drawing, financial data, financial plans, product plans,
information on customers or a list of actual or potential customers or
suppliers, which: (i) derives economic value, actual or potential, from not
being generally known to, and not being readily ascertainable by proper means
by, other persons who can obtain economic value from its disclosure or use; and
(ii) is the subject of efforts that are reasonable under the circumstances to
maintain its secrecy.

         7. Protection of Other Confidential Information. In addition, the
Employee agrees to maintain in strict confidence and, except as necessary to
perform his duties for the Employer, not to use or disclose any Confidential
Business Information of the Employer during his employment and for a period of
24 months following termination of the Employee's employment. "Confidential
Business Information" shall mean any internal, non-public information (other
than Trade Secrets already addressed above) concerning the Employer's financial
position and results of operations (including revenues, assets, net income,
etc.); annual and long-range business plans; product or service plans; marketing
plans and methods; training, educational and administrative manuals; customer
and supplier information and purchase histories; and employee lists. The
provisions of Sections 6 and 7 above shall also apply to protect Trade Secrets
and Confidential Business Information of third parties provided to the Employer
under an obligation of secrecy.

         8. Return of Materials. The Employee shall surrender to the Employer,
promptly upon its request and in any event upon termination of the Employee's
employment, all media, documents, notebooks, computer programs, handbooks, data
files, models, samples, price lists, drawings, customer lists, prospect data, or
other material of any nature whatsoever (in tangible or electronic form) in the
Employee's possession or control, including all copies thereof, relating to the
Employer, its business, or its customers. Upon the request of the Employer,
Employee shall certify in writing compliance with the foregoing requirement.

         9. Restrictive Covenants.

                  a. No Solicitation of Customers. During the Employee's
employment with the Employer and for a period of 24 months thereafter, the
Employee shall not (except on behalf of or with the prior written consent of the
Employer), either directly or indirectly, on the Employee's own behalf or in the
service or on behalf of others, solicit or attempt to solicit Customers to
induce or encourage them to acquire or obtain from anyone other than the
Employer or its subsidiaries any product or service competitive with or
substitute for any of the Employer's Products. For purposes of this Section,
"Customer" refers to any person or group of persons with whom the Employee had
direct material contact with regard to the

                                       7

<PAGE>

selling, delivery, or support of the Employer's Products, including servicing
such person's or group's account, during the period of 12 months preceding the
solicitation date. The "Employer's Products" refers to the products and services
that the Employer or any of its subsidiaries or affiliates offered or sold
within six months of the solicitation date. This restriction does not apply
after a Change in Control.

                  b. No Recruitment of Personnel. During the Employee's
employment with the Employer and for a period of 24 months thereafter, the
Employee shall not, either directly or indirectly, on the Employee's own behalf
or in the service or on behalf of others, solicit or induce any employee of or
consultant to the Employer or any of its subsidiaries or affiliates to leave his
or her position with the Employer (or the subsidiary or affiliate), or recruit
or attempt to recruit such persons to accept employment or any other position
with another business. This restriction does not apply after a Change in
Control.

                  c. Independent Provisions. The provisions in each of the above
Sections 9(a) and 9(b) are independent, and the unenforceability of any one
provision shall not affect the enforceability of any other provision.

         10. Successors; Binding Agreement. This Agreement shall be binding upon
and shall inure to the benefit of the Employer and its successors and assigns.
Neither this Agreement nor any right or interest hereunder shall be assignable
or transferable by the Employee, his beneficiaries or legal representatives,
except by will or by the laws of descent and distribution. This Agreement shall
inure to the benefit of and be enforceable by the Employee's legal personal
representative.

         11. Notice. For the purposes of this Agreement, notices and all other
communications provided for in the Agreement shall be in writing and shall be
deemed to have been duly given when personally delivered or sent by certified
mail, return receipt requested, postage prepaid, addressed to the respective
addresses last given by each party to the other; provided, however, that all
notices to the Employer shall be directed to the attention of the Employer with
a copy to the Secretary of the Employer. All notices and communications shall be
deemed to have been received on the date of delivery thereof.

         12. Governing Law. This Agreement shall be governed by and construed
and enforced in accordance with the laws of the State of Georgia without giving
effect to the conflict of laws principles thereof. Any action brought by any
party to this Agreement shall be brought and maintained in a court of competent
jurisdiction in State of Georgia.

         13. Non-Waiver. Failure of the Employer to enforce any of the
provisions of this Agreement or any rights with respect thereto shall in no way
be considered to be a waiver of such provisions or rights, or in any way affect
the validity of this Agreement.

         14. Enforcement. The Employee agrees that in the event of any breach or
threatened breach by the Employee of any covenant contained in Section 6, 7,
9(a), or 9(b) hereof, the resulting injuries to the Employer would be difficult
or impossible to estimate accurately, even though irreparable injury or damages
would certainly result. Accordingly, an award of legal

                                       8

<PAGE>

damages, if without other relief, would be inadequate to protect the Employer.
The Employee, therefore, agrees that in the event of any such breach, the
Employer shall be entitled to obtain from a court of competent jurisdiction an
injunction to restrain the breach or anticipated breach of any such covenant,
and to obtain any other available legal, equitable, statutory, or contractual
relief. Should the Employer have cause to seek such relief, no bond shall be
required from the Employer, and the Employee shall pay all attorney's fees and
court costs which the Employer may incur to the extent the Employer prevails in
its enforcement action.

         15. Saving Clause. The provisions of this Agreement shall be deemed
severable and the invalidity or unenforceability of any provision shall not
affect the validity or enforceability of the other provisions hereof. If any
provision or clause of this Agreement, or portion thereof, shall be held by any
court or other tribunal of competent jurisdiction to be illegal, void, or
unenforceable in such jurisdiction, the remainder of such provision shall not be
thereby affected and shall be given full effect, without regard to the invalid
portion. It is the intention of the parties that, if any court construes any
provision or clause of this Agreement, or any portion thereof, to be illegal,
void, or unenforceable because of the duration of such provision or the area or
matter covered thereby, such court shall reduce the duration, area, or matter of
such provision, and, in its reduced form, such provision shall then be
enforceable and shall be enforced.

         16. Certain Definitions.

                  a. "Change in Control" shall mean the occurrence during the
Term of any of the following events, unless such event is a result of a
Non-Control Transaction:

                       (i) The individuals who, as of the date of this
                       Agreement, are members of the Board of Directors of the
                       Employer (the "Incumbent Board") cease for any reason to
                       constitute at least a majority of the Board of Directors
                       of the Employer; provided, however, that if the election,
                       or nomination for election by the Employer's
                       shareholders, of any new director was approved in advance
                       by a vote of at least a majority of the Incumbent Board,
                       such new director shall, for purposes of this Agreement,
                       be considered as a member of the Incumbent Board.

                       (ii) An acquisition (other than directly from the
                       Employer) of any voting securities of the Employer (the
                       "Voting Securities") by any "Person" (as the term
                       "person" is used for purposes of Section 13(d) or 14(d)
                       of the Securities Exchange Act of 1934) immediately after
                       which such Person has "Beneficial Ownership" (within the
                       meaning of Rule 13d-3 promulgated under the Exchange Act)
                       of 50% or more of the combined voting power of the
                       Employer's then outstanding Voting Securities.

                  b. "Non-Control Transaction" shall mean a transaction
described below:

                                       9
<PAGE>

                       (i) the shareholders of the Employer, immediately before
                       such merger, consolidation or reorganization, own,
                       directly or indirectly, immediately following such
                       merger, consolidation or reorganization, at least 50% of
                       the combined voting power of the outstanding voting
                       securities of the corporation resulting from such merger,
                       consolidation or reorganization (the "Surviving
                       Corporation") in substantially the same proportion as
                       their ownership of the Voting Securities immediately
                       before such merger, consolidation or reorganization; and

                       (ii) immediately following such merger, consolidation or
                       reorganization, the number of directors on the board of
                       directors of the Surviving Corporation who were members
                       of the Incumbent Board shall at least equal the number of
                       directors who were affiliated with or appointed by the
                       other party to the merger, consolidation or
                       reorganization.

         17. Entire Agreement. This Agreement constitutes the entire agreement
between the parties hereto and supersedes all prior agreements, if any,
understandings and arrangements, oral or written, between the parties hereto
with respect to the subject matter hereof.

         18. Counterparts. This Agreement may be executed in one or more
counterparts, each of which shall be deemed an original but all of which
together shall constitute one and the same instrument.

                            [Signatures on Next Page]

                                       10

<PAGE>

                  IN WITNESS WHEREOF, the Employer has caused this Agreement to
be executed and its seal to be affixed hereunto by its officers thereunto duly
authorized, and the Employee has signed and sealed this Agreement, effective as
of the date first above written.

                                  ebank

                                  By:
                                           -------------------------------------
                                           Name: Richard D. Jackson
                                           Title:Chairman of the Board

                                  EMPLOYEE

                                  Name:    James L. Box
                                        ----------------------------------------

                                       12EXHIBIT 10.13

                                 ebank.com, Inc.

               DIRECTOR'S AND OFFICER'S INDEMNIFICATION AGREEMENT

         THIS AGREEMENT (this "Agreement") is made as of ______ day of _______,
20__, between ebank.com, Inc., a Georgia corporation (the "Corporation"), and
the member of the Board of Directors and/or the officer of the Corporation named
on the signature page hereof (the "Executive").

         WHEREAS, the Executive is a member of the Board of Directors and/or an
officer of the Corporation and in such capacity is performing a valuable service
to the Corporation; and

         WHEREAS, the Corporation's  Articles of Incorporation
("Articles"), Bylaws (the "Bylaws") and Sections 14-2-850 through 14-2-859
of the Georgia Business Corporation Code, as amended to date (the "State
Statute") provide for the indemnification of the directors and officers of the
Corporation; and

         WHEREAS, the Bylaws and State Statute specifically contemplate that
contracts may be entered into between the Corporation and the members of its
Board of Directors and officers with respect to indemnification of such
directors and officers; and

         WHEREAS, in order to provide to the Executive assurances with respect
to the protection provided against liabilities that he may incur in the
performance of his duties to the Corporation, and to thereby induce the
Executive to serve as a member of its Board of Directors and/or as an officer of
the Corporation, the Corporation has determined and agreed to enter into this
contract with the Executive.

         NOW, THEREFORE, in consideration of the premises and the Executive's
continued service as a director and/or an officer after the date hereof, the
parties agree as follows:

         1. Indemnification. Subject only to the exclusions set forth in Section
2 hereof, and in addition to any other indemnity to which the Executive may be
entitled under the State Statute, the Articles or any bylaw, resolution or
agreement (but without duplication of payments with respect to indemnified
amounts), the Corporation hereby further agrees to hold harmless and indemnify
the Executive, to the fullest extent permitted by law, including, but not
limited to, holding harmless and indemnifying the Executive against any and all
expenses (including attorneys' fees), judgments, fines and amounts paid in
settlement actually and reasonably incurred by the Executive in connection with
any threatened, pending, or completed action, suit, or proceeding, whether
civil, criminal, administrative, or investigative (including an action by or in
the right of the Corporation), to which the Executive is, was, or at any time
becomes a party, or is threatened to be made a party, by reason of the fact that
the Executive is, was, or at any time becomes a director, officer, employee or
agent of the Corporation, or a predecessor corporation, or is or was serving or
at any time serves at the request of the Corporation as a director, officer,

<PAGE>

partner, manager, member, trustee, employee, or agent of another corporation,
partnership, employee benefit plan, joint venture, trust, limited liability
company, or other enterprise. The termination of any proceeding by judgment,
order, settlement or conviction, or upon a plea of nolo contendere or its
equivalent is not, of itself, determinative that the Executive did not meet the
standard of conduct set forth in this Section 1.

         2. Limitations on Indemnity. No indemnity pursuant to Section 1 hereof
shall be paid by the Corporation:

                  (a) with respect to any proceeding in which the Executive is
adjudged, by final judgment not subject to further appeal, liable to the
Corporation or is subjected to injunctive relief in favor of the Corporation:

                            (i) for any appropriation, in violation of his
                            duties, of any business opportunity of the
                            Corporation;

                            (ii) for acts or omissions which involve intentional
                            misconduct or a knowing violation of law;

                            (iii) for the types of liability set forth in
                            Section 14-2-832 of the Georgia Business Corporation
                            Code; or

                            (iv) for any transaction from which the Executive
                            received an improper personal benefit;

                  (b) with respect to any suit in which final judgment is
rendered against the Executive for an accounting of profits, made from the
purchase or sale by the Executive of securities of the Corporation, pursuant to
the provisions of Section 16(b) of the Securities Exchange Act of 1934 or
similar provisions of any federal or state law, or on account of any payment by
the Executive to the Corporation in respect of any claim for such an accounting;
or

                  (c) if a final decision by a court having jurisdiction in the
matter shall determine that such indemnification is not lawful.

         3. Contribution. If the indemnification provided in Section 1 is
unavailable, then in respect of any threatened, pending, or completed action,
suit, or proceeding in which the Corporation is jointly liable with the
Executive (or would be if joined in such action, suit or proceeding), the
Corporation shall contribute, to the extent it is not lawfully prevented from
doing so, to the amount of expenses, judgments, fines, and settlements paid or
payable by the Executive in such proportion as is appropriate to reflect (i) the
relative benefits received by the Corporation on the one hand and the Executive
on the other hand from the transaction from which such action, suit, or
proceeding arose, and (ii) the relative

                                       2

<PAGE>

fault of the Corporation on the one hand and of the Executive on the other in
connection with the events which resulted in such expenses, judgments, fines, or
settlement amounts, as well as any other relevant equitable considerations. The
relative fault of the Corporation on the one hand and of the Executive on the
other shall be determined by reference to, among other things, the parties'
relative intent, knowledge, access to information, and opportunity to correct or
prevent the circumstances resulting in such expenses, judgments, fines, or
settlement amounts. The Corporation agrees that it would not be just and
equitable if contribution pursuant to this Section 3 were determined by pro rata
allocation or any other method of allocation that does not take account of the
foregoing equitable considerations.

         4. Mandatory Payment of Expenses. To the extent that the Executive has
been successful on the merits in defense of any proceeding referred to in
Section 1 or in defense of any claim, issue or matter therein, the Executive
shall be indemnified against the expenses actually and reasonably incurred by
the Executive in connection therewith.

         5. Continuation of Obligations. All agreements and obligations of the
Corporation contained herein shall continue during the period the Executive is a
director, officer, employee, or agent of the Corporation (or is serving at the
request of the Corporation as a director, officer, employee, or agent of another
corporation, partnership, joint venture, trust, or other enterprise) and shall
continue thereafter for so long as the Executive shall be subject to any
possible claim or threatened, pending, or completed action, suit, or proceeding,
whether civil, criminal, or investigative, by reason of the fact that the
Executive was a director of the Corporation or serving in any other capacity
referred to herein.

         6. Notification and Defense of Claim. Promptly after receipt by the
Executive of notice of the commencement of any action, suit, or proceeding, the
Executive will, if a claim in respect thereof is to be made against the
Corporation under this Agreement, notify the Corporation in writing of the
commencement thereof, but the omission to so notify the Corporation will not
relieve the Corporation from any liability which it may have to the Executive
under this Agreement, except to the extent that such failure by the Executive
shall result in a material prejudice to the Corporation. Notice to the
Corporation shall be directed to the Chairman of the Board of Directors of the
Corporation at the address shown on the signature page of this Agreement (or
such other address as the Corporation shall designate in writing to the
Executive). With respect to any such action, suit, or proceeding as to which the
Executive so notifies the Corporation:

                  (a) the Corporation will be entitled to participate therein at
its own expense; and

                  (b) subject to Section 7 hereof, and if the Executive shall
have provided his written affirmation of his good faith belief that his conduct
did not constitute behavior of the kind described in paragraph 2(a) hereof and
that he is entitled to indemnification hereunder, the Corporation may assume the
defense thereof.

         After notice from the Corporation to the Executive of its election so
to assume such defense, the Corporation will not be liable to the Executive
under this Agreement for any legal or other expenses subsequently incurred by
the Executive in connection with the defense thereof, other than reasonable
costs of investigation or as otherwise provided below. The Executive shall

                                        3

<PAGE>

have the right to employ his separate counsel in such action, suit, or
proceeding, but the fees and expenses of such counsel incurred after notice from
the Corporation of its assumption of the defense thereof shall be at the expense
of the Executive unless (i) the employment of counsel by the Executive has been
authorized by the Corporation, (ii) counsel designated by the Corporation to
conduct such defense shall not be reasonably satisfactory to the Executive, or
(iii) the Corporation shall not in fact have employed counsel to assume the
defense of such action, in each of which cases the fees and expenses of such
counsel shall be at the expense of the Corporation. For the purposes of clause
(ii) above, the Executive shall be entitled to determine that counsel designated
by the Corporation is not reasonably satisfactory if, among other reasons, the
Executive shall have been advised by qualified counsel that, because of actual
or potential conflicts of interest in the matter between the Executive, other
officers or directors similarly indemnified by the Corporation, and/or the
Corporation, representation of the Executive by counsel designated by the
Corporation may adversely affect the Executive's interest or would not be
permissible under applicable canons of legal ethics.

         The Corporation shall not be liable to indemnify the Executive under
this Agreement for any amounts paid in settlement of any action or claim
effected without the Corporation's written consent. The Corporation shall not
settle any action or claim in any manner which would impose any penalty or
limitation on the Executive without the Executive's written consent. Neither the
Corporation nor the Executive will unreasonably withhold consent to any proposed
settlement.

         7. Advancement and Repayment of Expenses. Upon request therefor
accompanied by the Executive's written affirmation of his good faith belief that
his conduct met the standard applicable to indemnification pursuant to Section 1
hereof and did not constitute behavior of the kind described in Section 2(a)
hereof and that he is entitled to indemnification hereunder, the Corporation
shall advance to the Executive all expenses (including attorneys' fees and costs
of investigation and defense (including the fees of expert witnesses, other
professional advisors, and private investigators)) incurred by him in defending
any civil or criminal suit, action, or proceeding for which the Executive is
entitled (assuming an applicable standard of conduct is met) to indemnification
pursuant to this Agreement. The Executive agrees to reimburse the Corporation
for all reasonable expenses paid by the Corporation, whether pursuant to this
Section or Section 6 hereof, in defending any action, suit, or proceeding
against the Executive in the event and to the extent that it shall ultimately be
determined that the Executive is not entitled to be indemnified by the
Corporation for such expenses under this Agreement. Any advances and the
Executive's agreement to repay shall be unsecured and interest-free.

         8.       Enforcement.

                  (a) The Corporation expressly confirms and agrees that it has
entered into this Agreement and assumed the obligations imposed on it hereby in
order to induce the Executive to serve as a director and/or officer of the
Corporation and acknowledges that the Executive will in the future be relying
upon this Agreement in continuing to serve in such capacity.

                                       4
<PAGE>

                  (b) Any indemnification and advances provided for in this
Agreement shall be made no later than 10 days after receipt of the written
request of the Executive. If a claim under this Agreement, under any statute or
under any provision of the Corporation's Articles or Bylaws providing for
indemnification is not paid in full by the Corporation within 10 days after a
written request for payment thereof has first been received by the Corporation,
the Executive may, but need not, at any time thereafter bring an action against
the Corporation to recover the unpaid amount of the claim. In the event the
Executive is required to bring any action to enforce rights or to collect moneys
due under this Agreement and is successful in such action, the Corporation shall
reimburse the Executive for all of the Executive's reasonable fees and expenses
in bringing and pursuing such action. It shall be a defense to any such action
(other than an action brought to enforce a claim for expenses incurred in
connection with any action, suit or proceeding in advance of its final
disposition) that the Executive has not met the standards of conduct which make
it permissible under the Corporation's Articles or Bylaws or under applicable
law for the Corporation to indemnify the Executive for the amount claimed, but
the burden of proving such defense (by clear and convincing evidence) shall be
on the Corporation and the Executive shall be entitled to receive interim
payments of expenses pursuant to Section 4 unless and until such defense may be
finally adjudicated by court order or judgment from which no further right of
appeal exists. It is the parties' intention that if the Corporation contests the
Executive's right to indemnification, the question of the Executive's right to
indemnification shall be for the court to decide, and neither the failure of the
Corporation (including its Board of Directors, any committee or subgroup of the
Board of Directors, independent legal counsel or its shareholders) to have made
a determination that indemnification of the Executive is proper in the
circumstances because the Executive has met the applicable standard of conduct
required by the Corporation's Articles, Bylaws or applicable law, nor an actual
determination by the Corporation (including its Board of Directors, independent
legal counsel or its shareholders) that the Executive has not met such
applicable standard of conduct, shall create a presumption that the Executive
has or has not met the applicable standard of conduct.

                  (c) If, at the time of the receipt of a notice of a claim
pursuant to Section 6 hereof, the Corporation has director and officer liability
insurance in effect, the Company shall give prompt notice of the commencement of
such proceeding to the insurers in accordance with the procedures set forth in
the respective policies. The Corporation shall thereafter take all necessary or
desirable action to cause such insurers to pay, on behalf of the Executive, all
amounts payable as a result of such proceeding in accordance with the terms of
such policies. If the Corporation fails to take such action on the Executive's
behalf, the Executive may do so, whereupon the Corporation shall indemnify the
Executive against all expenses incurred by the Executive in connection with any
proceeding brought by the Executive against the insurers for recovery under any
such insurance.

                                       5
<PAGE>

         9.  Additional Indemnification Rights; Non-exclusivity.

                  (a) Notwithstanding any other provision of this Agreement, the
Corporation hereby agrees to indemnify the Executive to the fullest extent
permitted by law (in effect at any time between the date the Executive became an
agent of the Corporation and the date the claim is resolved) notwithstanding
that such indemnification is not specifically authorized by the other provisions
of this Agreement, the Corporation's Articles or Bylaws or by statute. In the
event of any change in any applicable law, statute or rule which narrows the
right of a Georgia corporation to indemnify a member of its board of directors
or an officer, such changes, to the extent not otherwise required by such law,
statute or rule to be applied to this Agreement, shall have no effect on this
Agreement or the parties' rights and obligations hereunder.

                  (b) The indemnification provided by this Agreement shall not
be exclusive of (i) any additional rights to indemnification for breach of duty
to the Corporation and its shareholders while acting in the capacity of a
director or officer of the Corporation or (ii) any other rights to which the
Executive may be entitled under any agreement, vote of the shareholders or
disinterested directors, or otherwise, both as to action in the Executive's
official capacity and as to action in another capacity while holding such
office, in each case, to the extent such additional rights to indemnification
are authorized in the Corporation's Articles or Bylaws.

                  (c) If the Executive is entitled under any provision of this
Agreement to indemnification by the Corporation for some or a portion of the
expenses, judgments, fines or penalties actually or reasonably incurred by the
Executive in the investigation, defense, appeal or settlement of any civil or
criminal action, suit or proceeding, but not, however, for the total amount
thereof, the Corporation shall nevertheless indemnify the Executive for the
portion of such expenses, judgments, fines or penalties to which the Executive
is entitled.

         10. Mutual Acknowledgment. Both the Corporation and the Executive
acknowledge that in certain instances, federal law or applicable public policy
may prohibit the Corporation from indemnifying its directors and officers under
this Agreement or otherwise. The Executive understands and acknowledges that the
Corporation may be required in the future to undertake with the Securities and
Exchange Commission to submit the question of indemnification to a court in
certain circumstances for a determination of the Corporation's right under
public policy to indemnify the Executive.

         11. Officer and Director Liability Insurance. The Corporation hereby
represents that, as of the date hereof, the directors and officers liability
insurance policy, a true, correct and complete copy of which is attached hereto
as Exhibit A, is in full force and effect. The Corporation further represents
and warrants that the Corporation shall use its best efforts, during the term of
this Agreement (including the period set forth in Section 5 hereof) to maintain
a policy or policies of insurance with reputable insurance companies providing
the officers and directors of the Corporation with coverage for losses from
wrongful acts, or to ensure the Corporation's performance of its indemnification
obligations under this Agreement.

                                       6

<PAGE>

         12. Separability. Each of the provisions of this Agreement is a
separate and distinct agreement and independent of the others, so that if any
provision hereof shall be held to be invalid or unenforceable in whole or in
part for any reason, such invalidity or unenforceability shall not affect the
validity or enforceability of the other provisions hereof and the Corporation
hereby agrees and acknowledges that it shall nevertheless indemnify the
Executive to the full extent permitted by any applicable portion of this
Agreement that shall not have been invalidated.

         13. Governing Law; Successors; Amendment and Termination.

                  (a) This Agreement shall be interpreted and enforced in
accordance with the laws of the State of Georgia, without regard to its conflict
of law principles.

                  (b) This Agreement shall be binding upon the Executive and the
Corporation and its successors and assigns (including any transferee of all or
substantially all of its assets and any successor by merger or otherwise by
operation of law), and shall inure to the benefit of the Executive, his heirs,
personal representatives, and assigns and to the benefit of the Corporation and
its successors and assigns.

                  (c) No amendment, modification, termination, or cancellation
of this Agreement shall be effective unless in writing signed by both parties
hereto.

                  (d) References to the male gender shall include the female
gender, and vice versa.

         14. Construction of Certain Phrases.

                  (a) For purposes of this Agreement, "agent" means any person
who is or was a director, officer, shareholder, employee or other agent of the
Corporation, or is or was serving at the request of the Corporation as a
director, officer, shareholder, employee or agent of another foreign or domestic
corporation which was a predecessor corporation of the Corporation or of another
enterprise at the request of such predecessor corporation; "proceeding" means
any threatened, pending or completed action, suit or proceeding, whether civil,
criminal, administrative or investigative; and "expenses" includes, without
limitation, attorney's fees and any expenses of establishing a right to
indemnification under Section 4 of this Agreement.

                  (b) For purposes of this Agreement, references to the
"Corporation" shall include any subsidiary of the Corporation, and, in addition
to the resulting corporation, any constituent corporation (including any
constituent of a constituent) absorbed in a consolidation or merger which, if
its separate existence had continued, would have had power and authority to
indemnify its directors, officers, employees or agents, so that if the Executive
is or was a director, officer, employee or agent of such constituent
corporation, or is or was serving at the request of such constituent corporation
as a director, officer, employee or agent another corporation, limited liability
company, partnership, joint venture, trust or other enterprise, the Executive
shall stand in the same position under the provisions of this Agreement with
respect
                                       7
<PAGE>

to the resulting or surviving corporation as the Executive would have with
respect to such constituent corporation if its separate existence had continued.

                  (c) For purposes of this Agreement, references to "other
enterprises" shall include employee benefit plans; references to "fines" shall
include any excise taxes assessed on the Executive with respect to an employee
benefit plan; and references to "serving at the request of the Corporation"
shall include any service as a director, officer, shareholder, employee or agent
of the Corporation which imposes duties on, or involves services by, such
director, officer, shareholder, employee or agent with respect to any employee
benefit plan, its participants, or beneficiaries; and if the Executive acted in
good faith and in a manner the Executive reasonably believed to be in the
interest of the participants and beneficiaries of an employee benefit plan, the
Executive shall be deemed to have acted in a manner "not opposed to the best
interests of the Corporation" as referred to in this Agreement.

         15. Counterparts. This Agreement may be executed in one or more
counterparts, each of which shall constitute an original.

         16. Notice. All notices, requests, demands and other communications
under this Agreement shall be in writing and shall be deemed duly given (i) if
delivered by hand and receipted for by the party addressee, or by facsimile or
other electronic means, on the date of such receipt, or (ii) if mailed by
domestic certified or registered mail with postage prepaid, on the third
business day after the date postmarked. Addresses for notice to either party are
as shown on the signature page of this Agreement, or as subsequently modified by
written notice.

                     [Signatures appear on following page.]

                                       8

<PAGE>

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement, in
counterparts or otherwise, as of the day and year first above written.

EXECUTIVE                        ebank.com, Inc.

                                 By:
-----------------------------       ------------------------------------
Name:                            Name (Print):
                                              --------------------------
                                 Title:
                                       ---------------------------------

                                       9

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00027-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00027-of-00352.parquet"}]]