EXHIBIT H-6

BEVERLY ANN'S COFFEE FRANCHISE

PROMISSORY NOTE - EAGLE FINANCIAL SERVICES, INC.

EAGLE FINANCIAL SERVICES, INC. CONSENT AND NOTICE REGARDING ELECTRONIC COMMUNICATIONS

Electronic Signature Agreement.

By selecting the "I Accept" button, you are signing this Agreement electronically.

You agree your electronic signature is the legal equivalent of your manual signature on this Agreement.

By selecting "I Accept" you consent to be legally bound by this Agreement's terms and conditions.

You further agree that your use of a key pad, mouse or other device to select an item, button, icon or similar act/action, or to otherwise provide, or in accessing or making any transaction regarding any agreement, acknowledgement, consent terms, disclosures or conditions constitutes your signature (hereafter referred to as "E-Signature"), acceptance and agreement as if actually signed by you in writing.

You also agree that no certification authority or other third party verification is necessary to validate your E-Signature and that the lack of such certification or third party verification will not in any way affect the enforceability of your E-Signature or any resulting contract between you and Eagle Financial Services, Inc.

You further agree that each use of your E-Signature in obtaining Eagle Financial Services, Inc's online service(s) constitutes your agreement to be bound by the terms and conditions thereof.

Consent to Electronic Delivery.

You specifically agree to receive and/or obtain any and all Eagle Financial Services, Inc. related "Electronic Communications" as defined below.

The term "Electronic Communications" includes, but is not limited to, any and all current and future notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you, as well as such other documents, statements, data, records and any other communications including copies of these loan documents.

Source: Item 22 — CONTRACTS (FDD page 57)