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                                                                  EXHIBIT 10.22

                                PROMISSORY NOTE

$7,800,000                                                       MARCH 24, 2000

         NETZEE, INC., successor to Direct Access Interactive, Inc.
(hereinafter referred to as "Maker"), for value received, hereby promises to
pay to the order of THE INTERCEPT GROUP, INC., a Georgia corporation
(hereinafter referred to as "Payee"), the aggregate principal amount of SEVEN
MILLION EIGHT HUNDRED THOUSAND DOLLARS ($ 7,800,000) together with interest on
the unpaid principal balance and all other outstanding amounts and fees owed
hereunder for which interest may accrue under applicable law from the date
hereof at the rate of Prime Rate + 2.0% (a total of 11.0% at the date of this
Note) per annum (computed on the basis of a 360-day year). The Prime Rate shall
be equal to the prime rate as published in The Wall Street Journal (Eastern
Edition). All amounts owed hereunder, including principal, interest, costs,
fees and expenses, shall be immediately due and payable to Payee upon the
earlier to occur of (a) March 31, 2002, (b) a change in control of Maker from
that which exists on the date hereof, including but not limited to by reason of
stock purchase or sale, merger, reorganization, voting agreement, or other
transaction or agreement involving Maker and its subsidiaries or any of them
whereby the current shareholders of Maker cease to own at least 75% of the
voting securities of Maker or its successor or combined entity, or the sale or
all or substantially all of the assets of Maker and its subsidiaries, or by
reason of a change in the membership of Maker's board of directors such that
the present members of such board cease to represent at least 2/3 of the
members of the board, or (c) a default by Maker under this Note, the Security
Agreement (defined below) or any material agreement between Maker or any of its
subsidiaries, on the one hand, and Payee and any of its subsidiaries, on the
other hand, which default continues beyond any applicable cure period.

         Interest only on the outstanding principal balance hereof shall be due
and payable monthly, in arrears, with the first installment being payable on
the first (1st) day of May, 2000 and subsequent installments being payable on
the first (1st) day of each succeeding month thereafter until the Maturity
Date, at which time the entire outstanding principal balance, together with all
accrued and unpaid interest and all other sums owed hereunder, shall be
immediately due and payable in full. All amounts due under this Note are
payable at 3150 Holcomb Bridge Road, Suite 200, Norcross, GA 30071 or at such
other place as Payee may from time to time designate to Maker in writing, in
coin or currency of the United States of America.

         This Note shall be binding upon the Maker and its successors and
assigns and shall inure to the benefit of Payee and its successors and assigns.
The indebtedness evidenced hereby may be prepaid in whole or in part, at any
time and from time to time, without penalty. Any such prepayments shall be
credited first to any accrued and unpaid interest and then to the outstanding
principal balance hereof.

         This Note is with full recourse to any assets of Maker. The proceeds
of this Note are to be used by Maker for its working capital needs. This Note
is secured by a lien and security interest to Maker's assets and properties,
wherever located, now or hereafter acquired, as further described and evidenced
by the Security Agreement dated on or about August 6, 1999 executed
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by Maker for the benefit of Payee (the "Security Agreement"). All obligations
of Maker under this Promissory Note shall be secured by such Security
Agreement.

         If any of the following events (an "Event of Default") shall occur and
be continuing for any reason whatsoever (and whether such occurrence shall be
voluntary or involuntary or come about or be effected by operation of law or
otherwise), then this Note shall thereupon be and become, forthwith due and
payable, without any further notice or demand of any kind whatsoever, all of
which are hereby expressly waived:

                  (a) If Maker defaults in the payment of principal or interest
         on this Note when and as the same shall become due and payable and
         such default continues for 20 days after Maker receives notice from
         Payee of such default; or

                  (b) If Maker makes an assignment for the benefit of creditors
         or admits in writing an inability to pay his or its debts generally as
         they become due;

                  (c) If an order, judgment or decree is entered adjudicating
         Maker bankrupt or insolvent;

                  (d) If Maker petitions or applies to any tribunal for the
         appointment of a trustee or receiver of Maker, or of any substantial
         part of the assets of Maker, or commences any proceedings relating to
         Maker under any bankruptcy, reorganization, arrangement, insolvency,
         readjustment of debt, dissolution or liquidation law of any
         jurisdiction, whether now or hereafter in effect;

                  (e) If any such petition or application is filed, or any such
         proceedings are commenced, against Maker, and Maker by any act
         indicates its approval thereof, consent thereto, or acquiescence
         therein, or an order is entered appointing any such trustee or
         receiver, or approving the petition in any such proceedings, and such
         order remains unstayed and in effect for more than 90 days;

                  (f) If Maker breaches any of its representations, warranties,
         covenants, agreements or other obligations under the Security
         Agreement, which breach is not cured within ten (10) days of such
         breach;

                  (g) If Maker defaults on any other obligations owed to Payee
         under any now existing or hereafter arising agreement, promissory
         note, contract or other document; or

                  (h) If Maker dissolves or otherwise ceases to conduct
         business in the ordinary course as presently conducted.

         Any failure on the part of Payee at any time to require the
performance by Maker of any of the terms or provisions hereof, even if known,
shall in no way affect the right thereafter to enforce the same, nor shall any
failure of Payee to insist on strict compliance with the terms and

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conditions hereof be taken or held to be a waiver of any succeeding breach or
of the right of Payee to insist on strict compliance with the terms and
conditions hereof.

         Time is of the essence with respect to this Note.

         This Note shall be governed by, and enforced and interpreted in
accordance with, the laws of the State of Georgia without regard to the
principles of conflict of laws.

         In the event this note, or any part hereof, is collected by or through
an attorney-at-law, Maker agrees to pay all costs of collection including, but
not limited to, attorneys' fees equal to 15% of the principal and interest then
due. In the event that Maker fails to make any payment when due, Payee shall
provide written notice of default to Maker, which notice shall allow Maker ten
(10) days from the date of receipt of such notice in which to cure such
default. If such default is not cured within the time allowed, the balance
hereof shall be deemed to be immediately accelerated without further notice to
Maker.

         IN WITNESS WHEREOF, Maker has executed this Note under seal as of the
date first set forth above.

                                 MAKER:

                                 Netzee, Inc.

                                 /s/ Richard Eiswirth
                                 ----------------------------------------------
                                 By: Richard Eiswirth
                                     Chief Financial Officer

                                                              [CORPORATE SEAL]

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                                                                    EXHIBIT 10.4

                             FIRST AMENDMENT TO THE
                                HABERSHAM BANCORP
                        1996 INCENTIVE STOCK OPTION PLAN

THIS FIRST AMENDMENT is made as of January 29, 2000, by Habersham Bancorp, a
Georgia corporation (the "Company").

         WHEREAS, the Company maintains the Habersham Bancorp 1996 Incentive
Stock Option Plan (the "Plan"); and

         WHEREAS, the Company desires to amend the Plan to increase the number
 of shares reserved for issuance under the Plan.

         NOW, THEREFORE, BE IT RESOLVED, that the Company does hereby amend the
Plan, effective as of the date first set forth above, by deleting the existing
Section 2.2 and replacing it with the following new Section 2.2:

                  "2.2 Stock Subject to the Plan. Subject to adjustment in
         accordance with Section 4.1, 600,000 shares of Stock (the "Maximum Plan
         Shares") are hereby reserved exclusively for issuance pursuant to
         Options. At no time shall the Company have outstanding Options subject
         to Section 16 of the Securities Exchange Act of 1934 and shares of
         stock issued in respect of Options in excess of the Maximum Plan
         Shares."

         Except as specifically amended hereby, the remaining provisions of the
 Plan shall remain in full force and effect as prior to the adoption of this
 First Amendment.

         IN WITNESS WHEREOF, the Company has caused this First Amendment to be
 duly executed under seal on its behalf, effective as of the date first above
 written.

ATTEST:                              HABERSHAM BANCORP

By:  /s/  Edward D. Ariail           By:  /s/   David D. Stovall
   ------------------------------       ---------------------------------------
   Title: Vice President and            Title: President and Chief
          Corporate Secretary                  Executive Officer

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