eStatement Agreement and Disclosures

I understand that if I enroll my checking, savings, certificate of deposit, IRA or loan account(s) in the eStatement service I will receive notification of all account statements and notices related to that account via e-mail and will view this information using Online Banking. Once enrolled, I will no longer receive paper account statements or notices (such as privacy notice, NSF notice, loan billing notice, IRA and COD (certificate of deposit) approaching renewal or maturity notice, change in terms notice, etc.), via US mail.

I understand that a per page printing fee may apply if I request additional paper copies of my statements and notices from the bank.

I understand and agree to submit my e-mail address to United Community Bank as a part of this application.

I understand that if I change my e-mail address, I must notify United Community Bank in writing or via e-mail of my new e-mail address. If I fail to notify United Community Bank of my new e-mail address, I understand that I may not receive the notification of my statements or notices that are e-mailed to me.

I agree that I must have the necessary software installed to receive notification of my statement and other documents electronically via e-mail. I understand that I am required to have Online Banking in order to access my account documents. I also agree that I must have the necessary software (Adobe Reader version 4.0 or higher) installed in order to view the account documents.

I understand that the security of my Online Banking Access ID and Password is my responsibility and that anyone who has access to my access ID and password will be able to view my statement and other notices via Online Banking. I further understand and agree to notify United Community Bank immediately if my access ID and password should become compromised or known to individuals who are not authorized by me.

Only notification of the statements and notices for the account(s) listed in this application will be e-mailed to the address listed in this application. The statement notifications of other United Community Bank customers cannot be sent to the same e-mail address listed in this application.

I understand that United Community Bank reserves the right to amend this disclosure (agreement) in any manner and at any time. If United Community Bank does so, the bank will give me at least ten (10) days advance written notice. The bank also reserves the right to terminate this agreement by sending a notice of such termination by first-class mail to my last known address on the bank's records.

I understand that I may withdraw my consent to receive notification of my statement and other documents electronically by written notice to United Community Banks, Inc., Attn: Online Banking Support, P O Box 398, Blairsville, GA 30514 or send an e-mail message to the bank at onlinebanking@ucbi.com. I understand that the bank must receive the notice at least ten (10) days before the notification is to be e-mailed to my current e-mail address.