United Community Bank: A Quick and Easy Guide to Online Banking and Bill Pay

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Published by Murphy & Company, Inc. 13610 Barrett Office Drive

St. Louis, MO 63021 www.mcompany.com

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Getting Started

Welcome to Online Banking with United Community Bank! Whether at home or at the office, from a mobile phone, tablet or laptop, we strive to make your online banking experience easy and convenient. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the online banking process. If you have additional questions, contact us at 1-800-UCBANK1 (1-800-822-2651).

Table of Contents Getting Started

New User Enrollment....................................................................................................7 Logging In.......................................................................................................................9 Logging Off.............................................................................................................................. 9 Resetting a Forgotten Password................................................................................10 Home Page Home Page Overview..................................................................................................12 Asset Summary Overview. .................................................................................................. 14 Manual Accounts.........................................................................................................15 Add a Manual Account......................................................................................................... 15 Edit a Manual Account......................................................................................................... 17 Delete a Manual Account. ................................................................................................... 18 Account Details Overview...........................................................................................19 Account Nickname. .....................................................................................................21 Details & Settings. .......................................................................................................22 Account Grouping. ......................................................................................................23 Editing a Group Name. ........................................................................................................ 24 Deleting a Group. ................................................................................................................. 24 Security Protecting Your Information......................................................................................25 General Guidelines............................................................................................................... 25 Login ID and Password........................................................................................................ 25 Fraud Prevention.................................................................................................................. 25 Security Preferences...................................................................................................26 Change Password................................................................................................................. 26 Change Login ID. .................................................................................................................. 27 Secure Delivery..................................................................................................................... 28 Mobile Security Preferences......................................................................................29 Enabling Touch ID or Fingerprint Login............................................................................. 29 Enabling Passcode Authentication..................................................................................... 31 Disabling Passcode Authentication, Touch ID or Fingerprint Login............................... 32 Enabling Face ID. .................................................................................................................. 33 Apple® Watch..............................................................................................................34 Apple®® Watch Setup......................................................................................................... 34 Viewing Balances and Transactions................................................................................... 34 Alerts Overview............................................................................................................35 Account Alerts....................................................................................................................... 36 History Alerts. ....................................................................................................................... 37

Online Transaction Alerts.................................................................................................... 38 Reminder............................................................................................................................... 39 Enabling and Disabling Push Notifications. .............................................................40 Secure Message Overview. ........................................................................................41 Sending a Secure Message.........................................................................................42 Transaction Types Moving Money Overview............................................................................................43 Transactions Funds Transfer.............................................................................................................44 Customer to Customer Transfer . .............................................................................46 Linking Someone’s United Community Bank Account. ................................................... 46 Single Transfers Between United Community Bank Accounts....................................... 47 Adding a Personal External Account.........................................................................48 Verifying a Personal External Account......................................................................49 Activity Center Overview. ...........................................................................................50 Using Filters........................................................................................................................... 51 Creating or Deleting Custom Views Using Favorites........................................................ 51 Editing Transactions............................................................................................................. 52 Canceling Transactions........................................................................................................ 53 Bill Pay Overview.......................................................................................................................54 Creating a Payee..........................................................................................................55 Known Company.................................................................................................................. 55 Unknown Company. ............................................................................................................ 57 Person.................................................................................................................................... 59 Editing a Payee.............................................................................................................61 Deleting a Payee..........................................................................................................62 eBills..............................................................................................................................63 Rush Delivery...............................................................................................................64 Schedule Payments.....................................................................................................65 Automatic Payments...................................................................................................66 Editing Pending Payments..........................................................................................68 Cancel Pending Payments..........................................................................................69 Viewing Transaction Details.......................................................................................70 Single Transaction................................................................................................................ 70 Multiple Transactions. ......................................................................................................... 71 Creating a Reminder...................................................................................................73 Managing Reminders..................................................................................................75

Editing Reminders.......................................................................................................76 Deleting Reminders.....................................................................................................77 Moving Payments........................................................................................................78 Editing Account Name. ...............................................................................................79 Deleting an Account....................................................................................................80 Personal Financial Management Initial Setup. .................................................................................................................81 Linking an Account............................................................................................................... 81 Unlinking an Account........................................................................................................... 82 Initial Setup. .................................................................................................................83 Linking an Account............................................................................................................... 83 Categorizing Transactions................................................................................................... 84 Splitting a Transaction......................................................................................................... 85 Online Banking Home Page. ......................................................................................86 Spending Overview. ............................................................................................................. 87 Spending: Recategorizing a Transaction. .......................................................................... 88 Budgets Overview. ............................................................................................................... 90 Auto-generated Budgets. .................................................................................................... 91 Budgets From Scratch.......................................................................................................... 91 Editing or Deleting a Budget............................................................................................... 92 Managing Budgets. .............................................................................................................. 93 Trends Overview................................................................................................................... 94 Cash Flow Overview............................................................................................................. 95 Adding a Suggested Cash Event. ........................................................................................ 96 Creating Your Own Cash Event........................................................................................... 97 Editing, Deleting or Skipping a Cash Event........................................................................ 99 Net Worth Overview.......................................................................................................... 100 Debts Overview. ................................................................................................................ 101 Services Stop Payment Request. ........................................................................................... 102 Reordering Checks................................................................................................... 103 Statements................................................................................................................ 104 Settings Account Preferences................................................................................................ 105 Text Enrollment........................................................................................................ 106 Address Change Request. ....................................................................................... 108 Accessibility............................................................................................................... 109 Statement Delivery................................................................................................... 110 Locations Branches and ATMs. ................................................................................................ 111

Getting Started New User Enrollment

If you’re new to Online Banking with United Community Bank, you need to complete the enrollment process the first time that you log in. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! 1. Type ucbi.com into your browser and select “Personal” from the Enroll drop down from the Online Service Login box for Online Banking at the top of the page. 2. Review and “Accept” the Personal Online Banking Service Agreement and Disclosure Statement associated with these services. Fill out the Online Banking Enrollment Form with the required information and click the Continue button. Note : The details that you provide are verified by comparing them to your contact information in our system. If the information does not match, call us at 1-800-UCBANK1 (1-800-822-2651) to update your profile. 3. A confirmation box should appear, indicating that you have successfully enrolled in United Community Bank’s Online and Mobile Banking service. Take note of the “Login ID” indicated in the confirmation box. You will need this to access your account in the future.

Note : Newly opened accounts will be available within online and mobile banking the next business day.

4. Once your Login ID has been saved in a secure location, click the Continue button. Select, where you would like your Secure Access Code (SAC) to be delivered. 5. Upon receipt of your Secure Access Code, enter it into the field indicated on your desktop, tablet or mobile device and click the Submit button. 6. Once your Secure Access Code has been accepted, you will set your new password, referring to the password requirements indicated. Click the Submit button.

Getting Started: New User Enrollment

7. Review, update and complete your Online and Mobile Banking Account Profile by filling in the fields indicated. Upon completing your Account Profile, click the Submit button and you are ready to begin using United’s Online and Mobile Banking service. Note : For additional security, we suggest that you do not register your devices. Howeer, if you would like to skip the need to enter a Secure Access Code on future visits, you will need to register your device, by selecting ‘Register Device’ during your initial login process. You will also need to ensure your browser is not set to automatically delete cookies when you go to register your device.

Getting Started: New User Enrollment

Getting Started Logging In

After your first-time enrollment, logging in is easy and only requires your login ID and password. If you are logging in using a device that you have not previously registered, you need to request a Secure Access Code (SAC).

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1. Click the Login button. 2. Enter your login ID and password. 3. Click the Log In button. Note : If you enter an incorrect password too many times, your account will be temporarily locked. Call us at 1-800-UCBANK1 (1-800 822-2651) for assistance. 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d Logging Off For your security, you should always log off when you finish your Online Banking session. We may also log you off due to inactivity. 1. Click the Log Off tab in the navigation menu. 2. To ensure you are logged out successful you will see the “Logout Successful page” or you will return to the login page on mobile banking. A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J1 J2 J3 A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3 11a 12a 13a 14a 15a 16a 17a 18a 11b 12b 13b 14b 15b 16b 17b 18b 1d 2d 3d 4d 5d 6d 7d 8d

Getting Started: Logging In

Getting Started Resetting a Forgotten Password

If you happen to forget your password, you can easily reestablish a new one from the United Community Bank Home page—no need to call us!

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1. Click the “Forgot Password” link. 2. Enter your login ID and click the Submit button.

Note : You may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device. Call us at 1-800-UCBANK1 (1-800-822-2651) for assistance.

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Getting Started: Resetting a Forgotten Password

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3. Choose the contact method that allows United Community Bank to reach you immediately with a six-digit SAC. 4. Enter the SAC and click the Submit button. 5. Create a new password based on our password requirements and, click the Submit button when you are finished. A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

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Getting Started: Resetting a Forgotten Password

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Home Page

Home Page Overview After logging in, you are taken directly to the Home page. This page is divided into three convenient sections to help you navigate to every feature within Online Banking. Here you can view the balances in both your linked and United Community Bank accounts, see your account summaries and more!

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Note : The letters correspond to several available features on the Home page.

Home Page: Home Page Overview

A. The menu bar appears in every view on the left side of the screen. You can navigate to Online Banking features by selecting the appropriate drop-down tab. B. Your United Community Bank accounts and linked external accounts are displayed in an account card with its balance. C. If you click an account name, you are taken to the Account Details page. You can also click the icon on the right side of an account card and select View Activity for more details. D. The icon allows you to print a summary of current available funds in your accounts. E. You can expand or collapse account details by clicking the icon. F. If you click and hold an account card, you can drag and drop it to a new location to change the order in which your accounts appear. G. The Quick Actions links in the top right corner let you quickly access different Online Banking features.

Home Page: Home Page Overview

Account Summary Overview If you ever need to quickly assess how much money is in all of your accounts, you can scroll down to the Account Summary graphic on the Home page. This interactive chart represents your total assets, represented by specific colors and percentages. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d A. Click the tabs to toggle between your asset and debt accounts. B. The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages. C. Each colored piece represents one of your United Community Bank or linked accounts and displays its percentage of total funds as well as the balance. D. Clicking "Next" or "Previous" lets you view different accounts and details. E. You can click the "View Transactions" link for more information. 10a 1a 2a 3a 4a 5a 6a 7a 8 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 7a 18a 19a 20a 11b 12b 13b 14b 15b 16b 7b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D E F G H I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

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Home Page: Home Page Overview

Home Page Manual Accounts

This feature is available to consumers. Manual Accounts allows consumers to add manual accounts to My Money to get a clearer picture of their Net Worth. Examples of assets and debts you can add and edit are the value of your home, cash on hand and outstanding loans to or from individuals. Add a Manual Account

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1. Click the Get Started button.

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Home Page: Manual Accounts

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 9b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d A1 B1 C1 D1 E1 F1 G1 H1 I A B3 C3 D3 E3 F3 G3 H3 I3 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J3

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J1 J2

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 2. Enter an account name. 3. Use the drop-down menu to select an account type. 4. (Optional) Enter a balance. 5. Additional information needed will vary depending upon the account type selected. 6. Click the Save button. J1 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J2 J3 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

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A2 B2 C2 D2 E2 F2 G2 H2 I2

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Home Page: Manual Accounts

Edit a Manual Account

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A1 B1 C1 D1 A2 B2 C2 D2 A3 B3 C3 D3

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A1 B1 C1 D1 E1 F1 G1 H1 I1

A2 B2 C2 D2 E2 F2 G2 H2 I2

11 12 13 14 15 16 17 1 21 22 23 24 25 26 27 2 1 2 3 4 5 6 7 8 K L M N O P Q R U V W X Y Z A B C D E F G H 1a 2a 3a 4a 5a 6a 7a 8 1b 2b 3b 4b 5b 6b 7b 8

A3 B3 C3 D3 E3 F3 G3 H3 I3

1. Click the icon and click “Edit account.” 2. Make changes to the account and click the Save button. 3. Click the Done button when you are finished.

Home Page: Manual Accounts

Delete a Manual Account

11 12 13 14 21 22 23 24 1 2 3 4 K L M N U V W X A B C D 1a 2a 3a 4a 1b 2b 3b 4b 1c 2c 3c 4c

11a 12a 13a 14 11 12 13 14 15 21 22 23 24 25 1 2 3 4 5 K L M N O U V W X Y A B C D E 11b 12b 13b 14b 1d 2d 3d 4d A1 B1 C1 D1 A2 B2 C2 D2 A3 B3 C3 D3 1a 2a 3a 4a 5a 1b 2b 3b 4b 5b 1c 2c 3c 4c 5c

1. Click the

icon and click “Delete account.”

2. Click the Delete button.

1d 2d 3d 4d 5d

11a 12a 13a 14a 15a

11b 12b 13b 14b 15b

A1 B1 C1 D1 E1 A2 B2 C2 D2 E2 A3 B3 C3 D3 E3

Home Page: Manual Accounts

Home Page Account Details Overview

Selecting a United Community Bank account on the Home page takes you to the Account Details page, where you can view every transaction pertaining to that account. From here, you can view details such as type of transaction, check images and account balances, so you stay organized and on top of your finances. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

1 11 12 13 14 15 16 17 18 19 2 21 22 23 24 25 26 27 28 29 3 1 2 3 4 5 6 7 8 9 K L M N O P Q R S U V W X Y Z A B C D E F G H I 11 12 13 14 15 16 17 18 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 K L M N O P Q R U V W X Y Z A B C D E F G H 12 13 14 15 6 7 18 21 2 23 4 25 6 27 28 1 2 4 6 7 8 K L N O P Q R U V X Y Z A B C E F 1 1 1 2 2 3 5 1 12 13 14 15 16 17 18 21 2 23 24 25 26 27 28 3 5 L M Y Z E F 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 1 1a 2a 3a 4a 5a 6a 7a 8a 9a 1 1b 2b 3b 4b 5b 6b 7b 8b 9b 1 1c 2c 3c 4c 5c 6c 7c 8c 9c 1 1d 2d 3d 4d 5d 6d 7d 8d 9d 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c 11a 12a 13a 14a 15a 16a 17a 18a 19a 2 11b 12b 13b 14b 15b 16b 17b 18b 19b 2 1d 2d 3d 4d 5d 6d 7d 8d d d d d d 6d d d 1 1 1 2 3 4 5d d 7 8 1a 12a 13a 14a 15a 16a 17a 18a 1d 2d 3d 4d 5d 6d 7d 8d A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 1 b 12b 13b 14b 15b 16b 17b 18b A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3 1 a 12a 13a 14a 15a 16a 17a 18a 1 b 12b 13b 14b 15b 16b 17b 18b A B C D1 E1 F1 G1 H1 A B C D2 E2 F2 G2 H2 A B 3 E3 F3 3 H3 1 1 1 2 2 2 3 3 C3 D G 1b 12b 13b 14b 15b 16b 17b 18b A1 B1 C1 1 E1 F1 G1 1 A2 B2 C2 2 E2 F2 2 2 A3 B3 C3 D3 E3 F3 G3 3 10a 1 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1 2c 3c 4c 5c 6c 7c 8c 9c 10d 1 2d 3d 4d 5d 6d 7d 8d 9d

10 16 17 18 19 20 26 27 28 29 30 6 7 8 9 J P Q R S T Z F G H I 10a 6a 7a 8a 9a 10b 6b 7b 8b 9b 10c 6c 7c 8c 9c 10d 6d 7d 8d 9d

16a 17a 18a 19a 20a

16b 17b 18b 19b 20b

11 12a 13a 14a 15a 16a 17a 18a 19a 20a

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

F1 G1 H1 I1

11 12b 13b 14b 15b 16b 17b 18b 19b 20b

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

F2 G2 H2 I2

A B1 C1 D1 E1 F1 G1 H1 I1

A1 B1 C1 D1 E1 F1 G1 H1 I1

F3 G3 H3 I3

A2 B2 C2 D2 E2 F2 G2 H2 I2

A B3 C3 D3 E3 F3 G3 H3 I3

A3 B3 C3 D3 E3 F3 G3 H3 I3

Home Page: Account Details Overview

A. On the Home page, you can click on an account name to view the Account Details screen. B. The current and available balances of that account displayed in the top right corner. C. The icon opens the search bar to find transactions with that account. D. Transactions can be sorted by time, type, amount or check number. Click the icon for more options. E. Export your transactions into a different format by clicking the icon. F. The icon lets you send a secure message about that account or print a list of transactions. G. The icon indicates how the Date, Description and Amount columns are sorted. H. You can view more details about a transaction by clicking on it. I. The icon lets you send a secure message about that transaction or you can print details about it.

Home Page: Account Details Overview

Home Page Account Nickname

Change an account’s nickname directly from the home page.

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

J1 11 12 13 14 15 16 21 22 23 24 25 26 1 2 3 4 5 6 K L M N O P U V W X Y Z A B C D E F 11 12 13 14 15 16 17 21 22 23 24 25 26 27 1 2 3 4 5 6 7 K L M N O P Q U V W X Y Z A B C D E F G J2 J3 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c 11a 12a 13a 14a 15a 16a 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c 11b 12b 13b 14b 15b 16b 1d 2d 3d 4d 5d 6d A1 B1 C1 D1 E1 F1 A2 B2 C2 D2 E2 F2 A3 B3 C3 D3 E3 F3 11a 12a 13a 14a 15a 16a 17a 11b 12b 13b 14b 15b 16b 17b 1d 2d 3d 4d 5d 6d 7d A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2

A1 B1 C1 D1 E1 F1 G1 H1 I1

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

1. Click the

icon on the right side of an account card and select Nickname

Account. 2. Enter a new account nickname. 3. Click the Save button when you are finished.

Home Page: Account Nickname

Home Page Details & Settings

View additional details about an acount and change the account’s visibility.

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A1 B1 C1 D1 E1 F1 G1 H1 I1

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

1 11 12 13 14 15 16 17 18 19 2 21 22 23 24 25 26 27 28 29 3 1 2 3 4 5 6 7 8 9 K L M N O P Q R S U V W X Y Z A B C D E F G H I 1 1a 2a 3a 4a 5a 6a 7a 8a 9a 1 1b 2b 3b 4b 5b 6b 7b 8b 9b 1 1c 2c 3c 4c 5c 6c 7c 8c 9c 1 1d 2d 3d 4d 5d 6d 7d 8d 9d

icon right side of an account card and select “Settings.” J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

1. Click the 2. Click the

Home Page: Details & Settings icon to edit the display name. 3. Use the toggles to decide whether or not your account is visible on the Home page and within Financial Tools. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d

Home Page Account Grouping

You can organize your internal and linked accounts into groups, so the Home page appears in a way that makes sense to you. These groups can always be changed or deleted to meet your needs.

11 12 1 21 22 2 1 2 3 K L M U V W A B

1a 2a 1b 2b 1c 2c

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A1 B1 C1 D1 E1 F1 G1 H1 I1 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A2 B2 C2 D2 E2 F2 G2 H2 I2 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 J2

1d 2d

11a 12a 1

11b 12b 1

1. Create a new group by clicking the 2. Use the drop-down to select an account. 3. Enter the group name. 4. Click the Save button.

icon and selecting “Create new group.”

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A3 B3 C3 D3 E3 F3 G3 H3 I3

A1 B1 C1 D1 E1 F1 G1 H1 I1

Home Page: Account Grouping A3 B3 C3 D3 E3 F3 G3 H3 I3 A2 B2 C2 D2 E2 F2 G2 H2 I2

Editing a Group Name The names of existing groups can be edited in just two easy steps.

11 12 1 21 22 2 1 2 3 K L M U V W A B 1a 2a 1b 2b 3 1c 2c

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 1. Click

1d 2d

10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d Deleting a Group After a group is made, you can reorganize the Home page by deleting a group without removing those accounts from the Home page. icon and selecting “Edit group name.” 2. Enter a new name and click the check mark when you are finished.

11a 12a 1

11b 12b 1

A1 B1 A2 B2 C A3 B3

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A1 B1 C1 D1 E1 F1 G1 H1 I1

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

Home Page: Account Grouping 1. Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it. 2. Click the Yes, delete button to delete the group. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11 12 13 14 15 16 17 21 22 23 24 25 26 27 1 2 3 4 5 6 7 K L M N O P Q U V W X Y Z A B C D E F G 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b

A1 B1 C1 D1 E1 F1 G1 H1 I1

Security

Protecting Your Information

Here at United Community Bank, we do all that we can to protect your personal information and provide you with a dependable online experience. However, we rely on you to take further precautions to assure the safety of your accounts. By following our tips, Online Banking can be a secure and efficient method for all your banking needs. General Guidelines • Make sure your operating system and antivirus software are up-to-date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your computer unattended while using Online Banking. • Monitor your recent account history for unauthorized transactions. • Always log off of Online Banking when you’re finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of upper and lowercase letters, numbers and special characters. • Do not create passwords containing your initials or birthday. • Change your passwords periodically. • Memorize your passwords instead of writing them down. • Only register personal devices and avoid using features that save your login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone or through email. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at 1-800-UCBANK1 (1-800-822-2651).

Security: Protecting Your Information

Security

Security Preferences

We take security very seriously at United Community Bank. Because of this, we’ve added various tools to help you better protect your account information. You can add and manage these features in Security Preferences to strengthen your Online Banking experience.

11 12 21 22 1 2 K L U V A B 1a 2a 1b 2b 1c 2c

Change Password When you need to, you can change your password within Online Banking. We recommend that you change your password regularly and follow our guidelines for creating a strong password.

1d 2d

11a 12a

11b 12b

A1 B1 A2 B2 A3 B3

Security: Security Preferences 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I In the Settings tab, click Security Preferences . 1. Click the Change Password button. 2. Enter your current password. 3. Create a new password. 4. Reenter your new password. 5. Click the Change Password button when you are finished making changes. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J1 A1 B1 C1 D1 E1 F1 G1 H1 I1

A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

Change Login ID You can also change your login ID at any time. To ensure that you create an effective login ID, create an ID that you will remember and that follows our required guidelines.

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

In the Settings tab, click Security Preferences . 1. Click the Change Login ID button. 2. Enter your new login ID. 3. Click the Save new Login ID button when you are finished making changes. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A1 B1 C1 D1 E1 F1 G1 H1 I1

A3 B3 C3 D3 E3 F3 G3 H3 I3 J1

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

Security: Security Preferences

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