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Products and Services Guide Effective August 17, 2019

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PRODUCTS AND SERVICES GUIDE EFFECTIVE AUGUST 17, 2019 IMPORTANT INFORMATION ABOUT YOUR ACCOUNTS WITH FIRST MADISON BANK. 1 1 UNITED, TOGETHER Since our beginning in 1950, the people of United Community Bank have been dedicated to providing best in class service to every customer. And now that we’ve joined forces with First Madison Bank, we’re honored to provide that same service to you—along with everything else you loved about First Madison Bank but through a larger network of locations, resources and expertise. We believe in the power of coming “Together for Good.” We are inspired by stories of people coming together to make their communities and lives better. For the good of our customers, for the good of the community, for the good of each other, we’re here for the long run as a stable, trustworthy and caring partner. Our first priority is to make you comfortable in your new financial home. So, let us know if you have questions or just want to talk. Once again, welcome to United! 1 WELCOME Continued local and personal service is here for you! And you can count on us to keep you in the loop and be available when you have questions. We’ve put this guide together to serve as a one-stop source for information to help you through the transition process. Please review it to discover the new names of your accounts and the features and benefits associated with them. You’ll also find details about the transition, a list of branch locations, important milestone dates and answers to frequently asked questions. WE’RE IN THIS TOGETHER. We’ve tried to include everything in this packet, but we understand you might still have questions. And if you do, we’re here to help. So don’t hesitate to contact your local branch. 2 TABLE OF CONTENTS MILESTONE DATES...................................................................................................................................................4–5 FAQs.................................................................................................................................................................................. 6–13 ONLINE BANKING SIGN IN............................................................................................................................14–15 FDIC INFORMATION....................................................................................................................................................16 DIRECT DEPOSIT AND AUTOMATIC PAYMENTS................................................................................. 17 PERSONAL BANKING PRODUCTS AND SERVICES.................................................................... 18–29 BUSINESS BANKING PRODUCTS AND SERVICES...................................................................... 30–43 IMPORTANT CONTACT INFORMATION.......................................................................................................44 BRANCH LOCATIONS.......................................................................................................................................46–47 3 MILESTONE DATES FRIDAY, JULY 26 THURSDAY, AUGUST 15 We will mail your new United Community Bank Debit First Madison Bank’s Online Bill Pay service will be Card(s). Please keep the card, but don’t use it until turned off at 3:00pm on Thursday, August 15, with no after Friday, August 16 at 6:00pm. Continue using your access until Sunday, August 18 at 5:00pm. Your Bill Pay First Madison Bank card(s) until then. payees and scheduled payments will be automatically transferred to United Community Bank, so there is no need for you to re-enter the information. WEDNESDAY, AUGUST 14 FRIDAY, AUGUST 16 First Madison Bank’s Mobile Banking Bill First Madison Bank’s Online and Mobile Banking service will be Pay service will be turned off at 6:00pm turned off at 4:00pm on Friday, August 16, with no access until on Wednesday, August 14. Bill Pay will be Sunday, August 18 at 5:00pm. available in Online Banking until Thursday, You will need to activate your new United Community Bank August 15 at 3:00pm. Debit Card and select a PIN prior to using it beginning at 6:00pm on Friday, August 16. To do this, call 1-800-992-3808. You will receive a final bank statement from First Madison Bank dated August 16, 2019. After that date, all account statements will be provided by United Community Bank. 4 SATURDAY, AUGUST 17 SUNDAY, AUGUST 18 Your account(s) will transition from First Visit ucbi.com or download our Mobile Banking app from the Madison Bank to United Community Bank Apple or Google Play stores to begin using United Community beginning Saturday, August 17. Bank’s Online and Mobile Banking service with Bill Pay. The service will be available beginning at 5:00pm on Sunday, August 18. If you use Online Banking Alerts, you will need to recreate them once you’ve signed into Online Banking. MONDAY, AUGUST 19 Beginning Monday, August 19, provide your new debit card number to any merchants currently using your card as a payment method for recurring bills. Your routing number will change to 061112843. Please do not use the new routing number prior to August 19. Your direct deposits and automatic payments will continue to be processed in the same manner as they are now. There is no action you need to take. 5 FAQs GENERAL • A special paper statement will be mailed by First Madison Bank. This statement will include activity on your account Q: Will I continue to receive the same level of up to final processing for First Madison Bank on Friday, personalized service? August 16, 2019. A: Yes. United Community Bank has a high commitment • As a courtesy, there will be no service charges on to customer service and local relationships. You should transferred accounts during your first two (2) statement continue to conduct your banking as you always have, and cycles following conversion. you will continue to experience the same great service from • The chart in this guide has a list and brief description of the team of bankers you have come to know and trust. the accounts that we offer. Please refer to the “Terms and Conditions” insert in the back of this guide for complete details of the fees associated with your new account. Q: When can I conduct transactions at a United If you have any questions regarding your account type or the Community Bank branch? fees associated with your new account, please call or visit any A: There will be over 140 United Community Bank branch of our branch offices. If you are interested in other account locations to serve you beginning Monday, August 19, 2019. options we offer that are not listed in this Guide, please visit ucbi.com for more details. Q: Will there be changes to my checking, savings or money market account? Q: What if I want a different product? A: Yes. Your account will automatically be converted to A: On or after Monday, August 19, you may visit your local the United Community Bank product that is most similar United Community Bank branch office, and we will be happy to your current product as listed in the Personal Account to discuss a product that best fits your financial needs. and Business Account sections of this Product and Services Guide (pp 30–32 and pp 44–46). • Your account number(s), including any loans and lines of Q: Will there be any changes to my Certificate of Deposit credit, will remain the same. (CD) or Individual Retirement Account (IRA)? A: The interest rate on your CD or IRA will not change until maturity. Please refer to the “Terms and Conditions” insert for additional information regarding these accounts. 6 Q: Will I need new checks or deposit slips? Q: What are the daily ATM and point-of-sale transaction A: Please continue using your current checks and deposit limits? slips for your checking account until your supply is gone. A: You may withdraw no more than $400 in cash per day, and When it is time for you to reorder, please contact United you may not exceed $1,500 in transactions per day using your Community Bank to ensure that you get new checks with debit card. Additional details can be found in the Electronic the correct routing number. The new routing number is Fund Disclosure section of the “Terms and Conditions” insert. 061112843. Q: Will I have to pay fees when I use a United Community Q: Will I need new savings deposit or withdrawal slips Bank ATM? for my savings account? A: There are over 150 ATMs throughout the United footprint A: Yes. Savings deposit and withdrawal slips issued by First that you can use with no fee. Additionally, United is a Madison Bank should be discarded after Friday, August 16. member of the Publix® Presto! network, which allows access Please call 1-800-UCBANK1 or visit your nearest branch to to more than 1,000 ATMs nationwide with no fee. Please visit request a complimentary replacement order. ucbi.com for a complete list of ATM and branch offices. Q: Will I have access to 24-Hour Telephone Banking? Q: Will there be any changes to my safe deposit box? A: Yes. Access United Community Bank’s 24-Hour A: Please refer to the “Terms and Conditions” insert included Telephone Banking beginning Monday, August 19 by in the back of this guide for details regarding safe deposit dialing 1-800-UCBANK1. The last four digits of your tax box rental fees. identification number will serve as your PIN until you designate the PIN of your choice. You will be able to check your account balance, review your transactions, transfer Q: Will I be able to use the night depository as I have in funds, make a payment, report lost or stolen cards and the past? much more. A:
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