Privacy Statement

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us mean United Community Bank.
This is our privacy notice for OUR customers. When we use the words "you" and "your" we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us, such as:

• Deposit account
• Loan account
• Safe deposit box
• Retail installment contract we hold and service
• Self-directed Individual Retirement Account where we act as custodian or trustee

• All former customers

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
An affiliate is a company we own or control, company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• information about your transaction with us
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

NONPUBLIC PERSONAL INFORMATION AND AFFILIATES - FUTURE CHANGES
In the-future, we may disclose nonpublic personal information about you to affiliates, even though we are not doing so now. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

Transaction and experience information from our account records:
• Information about your transactions and experience with us, such as

• Name
• Address
• Types of accounts
• Payment history

Federal law allows us to disclose the information listed above with our affiliates, We are not required by law to offer you the right to opt out of the disclosure of this information.

Types of affillates
We may disclose nonpublic personal information about you in the future to the following types of affiliates:

• financial service Providers, such as
• Insurance agents

Reasons for Disclosure
Here is why we may disclose nonpublic personal information about you in the future to our affiliates.

• To provide our customers with information about additional products and services

INTERNET WEB SITE
Visitors to United Community Bank's Web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to use. Standard software is used to collect and store ONLY the following non-identifying information about our visitors: the name of the domain from which you access the internet (for example, aol.com, if you are connecting from an America Online account); the date and time you access our site; and the Internet address of the Web site from which you linked directly to our site. If you submit an online application, it will be transmitted over a secure connection using encryption, and will alert you to this fact. This is the case where confidential information, such as your account number or social security number is requested. Visitors may elect to provide us with personal information via e-mail or our contact form. This information is used internally, as appropriate, to handle the sender's request and manage the Web site. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind that e-mail is not necessarily secure against interception. If you do not agree with the use of this information, or are not comfortable with the level of privacy, please use the clear button in on-line forms, or cancel an e-mail before it is sent.