Macon Bank is like no other local bank. Bank staff and directors are community residents. The people deciding your loan status often are your neighbors and friends. Also, Macon Bank is not stockholder controlled. Management decisions are not based on turning profits each quarter – the decisions are made with only the best interest of the bank and customers at heart.

From Our Chairman At First Citizens Bank, our values have been the basis of the way we’ve done business for more than a century. By understanding and embracing these values, the bank has been able to focus on the needs of our customers and build strong relationships that last a lifetime. The foundation of these values is integrity. To First Citizens Bank, integrity means focusing on the needs of each individual customer, not on mergers and acquisitions. And it means providing sound financial advice based on the customers’ needs, not ours. Our common sense approach to doing business comes from our century of experience. We know that listening to our customers is the first step in helping them achieve their financial goals and that no two customers’ needs are the same. We also value consistency, because consistency builds trust. Doing business the same way for more than a century means that customers trust that the bank we are today is the bank we’ll be tomorrow – and that’s important in building long-term relationships. First Citizens Bank’s values are, and will always be, the foundation of our relationship with our customers. You can count on the bank to provide sound financial answers for your personal and business needs – today and tomorrow. Lewis R. Holding Chairman

Nantahala Bank & Trust Company In early 2004, a group of local investors realized the need for a locally owned community bank to serve the needs of Macon County and the surrounding area. After completing a detailed feasibility study and obtaining the services of veteran Macon County banker Russell F. Gale, the Nantahala Bank and Trust Company opened it doors for business on October 4, 2004. The community responded quickly to the idea of a locally owned and operated Bank and deposited $4,000,000 during the first full month of operations. News of this success spread quickly and in late December the bank was approached about bringing its special brand of Community Banking to the citizens of Clay County. By March 2005, the required applications were filed and approved and our first branch office opened to an enthusiastic reception in Hayesville, NC. In 2007, we opened a full service branch in Murphy, NC. We’re extremely proud of how much we’ve accomplished since 2004. It’s the direct result of the tireless efforts of our talented, experienced staff and the overall success of our lending activities. As a true community bank, we appreciate the support we continue to receive from our friends and neighbors in Macon, Clay, and Cherokee counties. Nantahala Bank and Trust Company is a full service bank that combines the latest in technology with the friendliness of the community bank experience. So, drop by our office today, visit with our enthusiastic group of professional bankers and experience real community banking at its finest.

RBC Bank is a new kind of financial services company - one that goes far beyond traditional banking services to offer our clients true financial solutions that make a difference in their lives. RBC Bank gives you all the resources you need to meet your personal and business financial goals.

About Us Friendly, professional service. Caring, knowledgeable employees. Safe, secure banking principles. This is United Community Banks, Inc., the third largest bank holding company headquartered in the State of Georgia. Not that many years ago, United Community Bank was a $40 million bank known as Union County Bank. Today we are a $8.4 billion, multi-bank holding company with banking offices located throughout north Georgia, coastal Georgia, western North Carolina, eastern Tennessee, and metro Atlanta. We are proud of our growth, but even more proud of the traditions upon which our company was built…traditions that still hold true. We continue to care deeply for the communities we serve, and remain committed to helping families, schools, businesses and the economy in each of these communities to grow and to remain strong and stable. Our basic philosophy of providing exceptional banking service, while treating each customer exactly as we, ourselves, would wish to be treated, has stayed the same. We remain committed to upholding that basic philosophy because, not only has it proven to be valuable over the years, it is just the right thing to do. We are United Community Bank – The Bank That SERVICE Built.

Company Headquarters Wachovia Corporation 301 South College Street Suite 4000 One Wachovia Center Charlotte, North Carolina 28288-0013 Investor Relations Wachovia Corporation 301 South College Street One Wachovia Center Charlotte, North Carolina 28288-0206 Management Lanty L. Smith, Chairman Robert K. Steel, Chief Executive Officer and President (704) 590-0000 for general questions (800) 922-4684 for customer service Strong relationships are built on trust, and trusting a company means knowing it well. We invite you to get to know us better through the information and links below. Wachovia is a diversified financial services company that provides a broad range of retail banking and brokerage, asset and wealth management, and corporate and investment banking products and services. We are one of the largest providers of financial services in the United States, with retail and commercial banking operations in 21 states from Connecticut to Florida and west to Texas and California, and nationwide retail brokerage, mortgage lending and auto finance businesses. Our retail brokerage operations under the Wachovia Securities brand name manage client assets through offices nationwide. Globally, clients are served in selected corporate and institutional sectors and through more than 40 international offices.