SECOND AMENDMENT TO THE
1998 STOCK INCENTIVE PLAN
WHEREAS , the Board of Directors approved the following clarifying amendment to the 1998 Stock
Incentive Plan, as amended (the “Plan”);
NOW, THEREFORE , the Plan is hereby amended as follows:
The first paragraph of Section 5.1 of the Plan is amended to read as follows:
5.1 Limitations. The maximum number of shares that may be issued hereunder shall be 220,000, subject to
any antidilution adjustment which may be required pursuant to the provisions of Section 5.2 hereof. Any or all
shares of Stock subject to the Plan may be issued in any combination of Incentive Stock Options or non-
Incentive Stock Options. Shares subject to an Option may be either authorized and unissued shares or shares
issued and later acquired by the Company. The shares covered by any unexercised portion of an Option that
has terminated for any reason (except as set forth in the following paragraph) may again be optioned under the
Plan, and such shares shall not be considered as having been optioned or issued in computing the number of
shares of Stock remaining available for option hereunder.
2. Approval. Except as hereinabove amended and modified, the Plan is approved, ratified, and affirmed
without further modification or amendment.
IN WITNESS WHEREOF, the Company has caused this Amendment to be executed as of August 9, 2004,
in accordance with the authority provided by the Board of Directors.
ebank Financial Services, Inc.
By:/s/ Wayne W. Byers