Common use of Disclosure Reports Clause in Contracts

Disclosure Reports. United has a class of securities registered pursuant to Section 12(g) of the Securities Exchange Act of 1934, as amended (the “1934 Act”), and has delivered to First Central copies of: (a) its Annual Report on Form 10-K for its fiscal year ended December 31, 2001 (and those portions of its 2001 Annual Report to Shareholders incorporated therein by reference) filed pursuant to Section 13 of the Act; (b) the Proxy Statement for its Annual Meeting of Shareholders held on April 25, 2002, filed pursuant to Section 14 of the Act; and (c) its Quarterly Reports on Form 10-Q for the quarters ended March 31, 2002, June 30, 2002 and September 30, 2002, filed pursuant to Section 13 of the Act. The report, proxy statement and quarterly reports noted above include all of the annual and periodic reports and proxy statements required to be filed by United with the Securities and Exchange Commission since December 31, 2001, and are herein collectively referred to as the “United SEC Reports”. The United SEC Reports taken together correctly describe, among other things, the business, operations and principal properties of United in accordance with the requirements of the applicable report forms of the SEC. As of the respective dates of filing (or, if amended or superceded by a filing prior to the date of this Agreement, then on the date of such amended or superceded filing), none of the United SEC Reports contained any untrue statement of a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading. The financial statements contained in the United SEC Reports have been prepared in accordance with generally accepted accounting principals consistently applied and present fairly the financial condition of United as of the dates thereof and the results of operations for the periods covered thereby.

Disclosure Reports. United has a class of securities registered pursuant to Section 12(g) of the Securities Exchange Act of 1934, as amended (the “"1934 Act”"), and has delivered to First Central Eagle copies of: (a) its Annual Report on Form 10-K for its fiscal year ended December 31, 2001 2003 (and those portions of its 2001 2003 Annual Report to Shareholders incorporated therein by reference) filed pursuant to Section 13 of the Act; (b) the Proxy Statement for its 2004 Annual Meeting of Shareholders held on April 25, 2002Shareholders, filed pursuant to Section 14 of the Act; and; (c) its Quarterly Reports Report on Form 10-Q for the quarters quarter ended March 31, 2002, June 30, 2002 and September 30, 20022004, filed pursuant to Section 13 of the Act; and (d) its Current Reports on Form 8-K filed on January 27, 2004, March 15, 2004, April 20, 2004 and July 26, 2004. The reportAnnual Report, proxy statement Proxy Statement, Quarterly Reports and quarterly reports Current Reports noted above include all of the annual annual, periodic and periodic current reports and proxy statements required to be filed by United with the Securities and Exchange Commission since December 31, 20012003, and are herein collectively referred to as the “"United SEC Reports”". The United SEC Reports taken together correctly describe, among other things, the business, operations and principal properties of United in accordance with the requirements of the applicable report forms of the SEC. As of the respective dates of filing (or, if amended or superceded by a filing prior to the date of this Agreement, then on the date of such amended or superceded filing), none of the United SEC Reports contained any untrue statement of a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading. The financial statements contained in the United SEC Reports have been prepared in accordance with generally accepted accounting principals consistently applied and present fairly the financial condition of United as of the dates thereof and the results of operations for the periods covered thereby.

Disclosure Reports. United has a class of securities ------------------- registered pursuant to Section 12(g) of the Securities Exchange Act of 1934, as amended (the “"1934 Act”"), and has delivered to First Central North Point copies of: (a) its Annual Report on Form 10-K for its fiscal year ended December 31, 2001 1998 (and those portions of its 2001 1998 Annual Report to Shareholders incorporated therein by reference) filed pursuant to Section 13 of the Act;; and (b) the Proxy Statement for its Annual Meeting of Shareholders held on April 2515, 20021999, filed pursuant to Section 14 of the Act; and (c) its Quarterly Reports on Form 10-Q for the quarters ended March 31, 20021999, June 30, 2002 1999, and September 30, 20021999, filed pursuant to Section 13 of the Act. The report, proxy statement and quarterly reports noted above include all of the annual regular and periodic reports and proxy statements required to be filed by United with the Securities and Exchange Commission since December 31September 30, 20011999, and are herein collectively referred to as the “"United SEC Reports”. ." The United SEC Reports taken together correctly describe, among other things, the business, operations and principal properties of United in accordance with the requirements of the applicable report forms of the SECforms. As of the respective dates of filing (or, if amended or superceded by a filing prior to the date of this Agreement, then on the date of such amended or superceded filing), none of the United SEC Reports contained any untrue statement of a material fact necessary to make the statements therein, in light of the circumstances under which they were made, therein not misleading. The financial statements contained in the United SEC Reports have been prepared in accordance with generally accepted accounting principals consistently applied and present fairly the financial condition of United as of the dates thereof and the results of operations for the periods covered thereby.

Disclosure Reports. United has a class of securities registered pursuant to Section 12(g) of the Securities Exchange Act of 1934, as amended (the “1934 Act”), and has delivered to First Central Georgia copies of: (a) its Annual Report on Form 10-K for its fiscal year ended December 31, 2001 (and those portions of its 2001 Annual Report to Shareholders incorporated therein by reference) filed pursuant to Section 13 of the Act; (b) the Proxy Statement for its Annual Meeting of Shareholders held on April 25, 2002, filed pursuant to Section 14 of the Act; and (c) its Quarterly Reports on Form 10-Q for the quarters ended March 31, 2002, June 30, 2002 and September 30, 2002, filed pursuant to Section 13 of the Act. The report, proxy statement and quarterly reports noted above include all of the annual and periodic reports and proxy statements required to be filed by United with the Securities and Exchange Commission since December 31, 2001, and are herein collectively referred to as the “United SEC Reports”. The United SEC Reports taken together correctly describe, among other things, the business, operations and principal properties of United in accordance with the requirements of the applicable report forms of the SEC. As of the respective dates of filing (or, if amended or superceded by a filing prior to the date of this Agreement, then on the date of such amended or superceded filing), none of the United SEC Reports contained any untrue statement of a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading. The financial statements contained in the United SEC Reports have been prepared in accordance with generally accepted accounting principals consistently applied and present fairly the financial condition of United as of the dates thereof and the results of operations for the periods covered thereby.

Disclosure Reports. United has a class of securities ------------------- registered pursuant to Section 12(g) of the Securities Exchange Act of 1934, as amended (the “"1934 Act”"), and has delivered to First Central Independent copies of: (a) its Annual Report on Form 10-K for its fiscal year ended December 31, 2001 1998 (and those portions of its 2001 1998 Annual Report to Shareholders incorporated therein by reference) filed pursuant to Section 13 of the Act; (b) the Proxy Statement for its Annual Meeting of Shareholders held on April 2515, 20021999, filed pursuant to Section 14 of the Act; and (c) its Quarterly Reports on Form 10-Q for the quarters ended March 31, 20021999, June 30, 2002 1999, and September 30, 20021999, filed pursuant to Section 13 of the Act. The report, proxy statement and quarterly reports noted above include all of the annual regular and periodic reports and proxy statements required to be filed by United with the Securities and Exchange Commission since December 31September 30, 20011999, and are herein collectively referred to as the “"United SEC Reports”. ." The United SEC Reports taken together correctly describe, among other things, the business, operations and principal properties of United in accordance with the requirements of the applicable report forms of the SECforms. As of the respective dates of filing (or, if amended or superceded by a filing prior to the date of this Agreement, then on the date of such amended or superceded filing), none of the United SEC Reports contained any untrue statement of a material fact necessary to make the statements therein, in light of the circumstances under which they were made, therein not misleading. The financial statements contained in the United SEC Reports have been prepared in accordance with generally accepted accounting principals consistently applied and present fairly the financial condition of United as of the dates thereof and the results of operations for the periods covered thereby.

Disclosure Reports. United has a class of securities registered pursuant to Section 12(g) of the Securities Exchange Act of 1934, as amended (the “"1934 Act”"), and has delivered to First Central Peoples copies of: (a) its Annual Report on Form 10-K for its fiscal year ended December 31, 2001 2000 (and those portions of its 2001 2000 Annual Report to Shareholders incorporated therein by reference) filed pursuant to Section 13 of the Act; (b) the Proxy Statement for its Annual Meeting of Shareholders held on April 25June 7, 20022001, filed pursuant to Section 14 of the Act; and (c) its Quarterly Reports Report on Form 10-Q for the quarters quarter ended March 31, 2002, June 30, 2002 and September 30, 20022001, filed pursuant to Section 13 of the Act. The report, proxy statement and quarterly reports noted above include all of the annual regular and periodic reports and proxy statements required to be filed by United with the Securities and Exchange Commission since December 31, 20012000, and are herein collectively referred to as the “"United SEC Reports”. ." The United SEC Reports taken together correctly describe, among other things, the business, operations and principal properties of United in accordance with the requirements of the applicable report forms of the SECforms. As of the respective dates of filing (or, if amended or superceded by a filing prior to the date of this Agreement, then on the date of such amended or superceded filing), none of the United SEC Reports contained any untrue statement of a material fact necessary to make the statements therein, in light of the circumstances under which they were made, therein not misleading. The financial statements contained in the United SEC Reports have been prepared in accordance with generally accepted accounting principals consistently applied and present fairly the financial condition of United as of the dates thereof and the results of operations for the periods covered thereby.