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Agreement#: AG-29126
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FORM OF GENERAL MARKETING AGENT AGREEMENT

Parties:

Towne Services

Sectors: Computer Software and Services
Governing Law:  Georgia
GENERAL MARKETING AGENT AGREEMENT





TOWNE SERVICES, INC., a Georgia Corporation ("Servicer") and the undersigned ("Agent"), in consideration of their obligations in this Agreement and intending to be legally bound, agree as follows:



1. Definitions: For purposes of this Agreement:

a) "Customer" shall mean, a bank or holding company that meets

the qualifications and criteria applicable to such offering of

services by servicer for solicitation by Agent from time to

time. "Bank Marketing Agreement" shall mean the contract in

the form, and containing the terms and conditions (including

price and payment terms), established by Servicer from time to

time for the services provided to a "Customer".

b) "Territory" shall mean the states, countries, or locations

identified on Exhibit "A" hereto.

c) "Term" shall mean that period commencing on the date hereof

and lasting for a period of twelve complete months and any

subsequent twelve month renewal period.



2. Appointment: Subject to the terms of this Agreement, Servicer engages Agent

to solicit customers to enter into Bank Marketing Agreements with Servicer

for its services. Agent may solicit customers only with respect to their

proposed use of Towne Services, Inc. services in the Territory. Servicer

reserves the right, to change the terms and conditions of its Bank

Marketing Agreement at any time, and Servicer agrees to provide 30 days

notice to Agent of any substantive changes. Agent acknowledges that this

Agreement does not confer on Agent exclusive rights in any other territory.

Agent represents and warrants to Servicer that it has the authority to

enter into this Agreement and to perform its terms fully.



3. Nature of Relationship: Agent shall be an independent contractor. Nothing

in this Agreement shall be construed to create any other relationship.

Agent is hereby advised that, as an independent contractor, it has certain

responsibilities under the federal and state tax laws.



4. Responsibilities of Agent: The duties of Agent shall be to:

a) Use its best efforts to solicit Customers to enter into Bank

Marketing Agreements;

b) Conduct its business so as to maintain and increase the

goodwill and reputation of Servicer;

c) Pay all expense incurred by Agent in the performance of its

duties under this Agreement, including (1) local and

long-distance transportation expenses: and (2) expenses in

connection with the solicitation of Customers and the

operation of Agent's business, including telephone, delivery,

entertainment, and promotional expenses; and

d) Use only promotional material mutually agreed upon for

purposed of promotion of the Servicer's business.



5. Limits of Authority: Agent shall not, without prior written approval from

an authorized representative of Servicer, take any of the following

actions:

a) Incur any expense or obligation in the name of the Servicer;

b) Disseminate any printed material regarding the Licensed


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