Document:

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                                                                    Exhibit 10.5

                             EMPLOYMENT AGREEMENT
                             --------------------

     THIS EMPLOYMENT AGREEMENT (this "Agreement"), is made and entered into as
of September 1, 2001, by and between Edward J. Cooney, a resident of the State
of Georgia ("Employee"), and UCB Financial Group, Inc. ("UCB"), a Georgia
corporation.

                                  WITNESSETH
                                  ----------

     WHEREAS, UCB wishes to obtain assurances from Employee that UCB will have
the benefit of Employee's services on the terms and subject to the conditions
set forth herein; and

     WHEREAS, Employee wishes to obtain assurances from UCB that he will be
employed on the terms and subject to the conditions set forth herein.

     WHEREAS, UCB intends to capitalize and acquire all of the stock of United
Commercial Bank (the "Bank"), a bank to be organized under the laws of the State
of Georgia, upon its formation and obtainment of all regulatory approval.

     NOW, THEREFORE, in consideration of the foregoing and the mutual agreements
contained herein, UCB and the Bank, when it is organized, and Employee agree as
follows:

     1.   Employment.  UCB hereby employs Employee, and Employee hereby accepts
          ----------
such employment and agrees to perform services for UCB and the Bank, for the
period and upon the other terms and conditions set forth in this Agreement.

     2.  Term.  Commencing as of the date of this Agreement, the term (the
         ----
"Term") of the Employee's employment hereunder shall be for a period of three
(3) years and such extended periods as set forth herein, subject to earlier
termination as hereinafter specified. Unless otherwise notified in writing by
the other party at least ninety (90) days in advance of the next scheduled
termination date, this Agreement shall be automatically extended for successive
one-year terms.

     3.   Position and Duties.
          -------------------

          3.01  Service with UCB and the Bank. During the term of this
                -----------------------------
Agreement, Employee shall serve as, and his titled shall be, Executive Vice
President. In such position, Employee agrees to perform such employment duties
consistent with such position as the President/Chief Executive Officer of UCB
shall assign to him from time to time. When the Bank is organized Employee shall
also be employed by the Bank as its Executive Vice President and shall perform
such duties consistent with such position as the President/Chief Executive
Officer of the Bank shall assign to him from time to time.
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         3.02  Performance of Duties.  Employee agrees to serve UCB and the Bank
               ---------------------
faithfully and to the best of his ability shall devote his full time, attention,
efforts, energy and skill to the diligent performance of his duties as an
officer of the Bank and UCB. During the Term hereof, Employee shall not serve as
an officer, director or employee of any other entity not affiliated with UCB or
the Bank without the prior written consent of the President/Chief Executive
Officer of UCB or the Bank. Notwithstanding the foregoing: (i) Employee may
pursue such personal investment and financial matters as do not conflict with
his obligations and commitments to UCB and the Bank; (ii) Employee may
participate in charitable, religious or civic activities such as serving on a
school board, church board or community fund committee; and (iii) Employee may
participate in such other activities as the President/Chief Executive Officer of
UCB or the Bank may from time to time approve in writing. Employee hereby
confirms that he is under no contractual commitments inconsistent with his
obligations set forth in this Agreement.

     4.  Compensation.
         ------------

         4.01  Base Salary.  As compensation for all services to be rendered by
               -----------
Employee under this Agreement, UCB and the Bank shall pay to Employee an initial
annual base salary for the period from October 1, 2001 through and including
September 30, 2002, of $120,000.00. Thereafter, the Boards of Directors of UCB
and the Bank shall review Employee's base salary annually and in their sole
discretion may increase Employee's base salary from year to year; provided that
commencing in the year 2003 the base salary shall be subject to a minimum annual
increase by an amount equal to the product of (i) the "CPI Adjustment"
(hereinafter defined) multiplied by (ii) the base salary in effect immediately
prior to such increase. The effective date of all such increases shall be
retroactive to January 1 of the year in which the adjustment takes effect
notwithstanding the fact that the CPI Adjustment generally will not be capable
of being calculated until some time in February or March of such year. The base
salary described in this Section 4.01, as it may be increased from time to time,
is referred to herein as the "Base Salary." The Base Salary shall be paid in
accordance with UCB's and the Bank's normal payroll procedures and policies.

          For purposes of this Section 4.01, "CPI Adjustment" shall mean the
percentage increase, if any, in the "CPI-U Index" (hereinafter defined) between
(i) the average CPI-U Index for the year in which the Base Salary adjustment in
question is to take effect and (ii) the average CPI-U Index for the immediately
preceding year. "CPI-U Index" shall mean the "Consumer Price Index For All Urban
Consumers, Atlanta, Georgia (1982-84=100)" as published by the Bureau of Labor
Statistics of the United States Department of Labor. If the CPI Adjustment is
zero or a negative number, the amount of the CPI Adjustment shall, for purposes
of this Section 4.01, be deemed to be zero.

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          4.02 Incentive Compensation.
               ----------------------

               Until an Officer and Employee Incentive Program (the "Incentive
Program") is implemented, the President/Chief Executive Officer of UCB or the
Bank, will determine the amount of any performance bonus to be awarded to the
executive officers.  For the first three years, the Employee will be awarded an
annual bonus of $15,000 as long as he exceeds the mutually agreed upon
performance goals.  After the first three years the Employee will be awarded an
incentive bonus under the Incentive Program.  The Incentive Program will provide
for the awarding of performance bonuses, based upon the achievement of certain
goals.  This section will not be effective until the Bank is cumulatively
profitable.

          4.03 Stock Options.
               -------------

               Upon the formation and capitalization of the Bank by UCB, the
Employee will be awarded options to purchase 25,000 shares of the common stock
of UCB. It is the intent of the parties that the options shall qualify as
"Incentive Stock Options" within the meaning of Section 422 of the Internal
Revenue Code of 1986, as amended. The per share option exercise price shall be
the greater of the fair market value of a share of the common stock of UCB at
the time of the grant or ten dollars ($10).

               The options granted to the Employee pursuant to this Section 4.03
may be exercised by the Employee, in whole or in part, at any time or from time
to time during the period that this Agreement is in effect through the earlier
of ten (10) years from the date of grant of such options or three (3) months
after the termination of the Employee's employment with UCB.

          4.04 Participation in Benefit Plans.  Employee shall also be entitled
               ------------------------------
to participate, on a comparable basis with other senior executives of UCB or the
Bank, in all employee benefit plans or programs of UCB or the Bank in effect
from time to time including, but not limited to, profit sharing, stock options,
retirement, medical, dental, life and disability insurance programs.  The
employee shall be entitled to a comprehensive annual physical paid by UCB or the
Bank.

          4.05 Expenses.  In accordance with UCB's or the Bank's policies
               --------
established from time to time, UCB or the Bank shall pay or reimburse Employee
for all reasonable and necessary out-of-pocket expenses incurred by him in the
performance of his duties under this Agreement, subject to the presentment of
appropriate vouchers and receipts.  Employee shall be allowed an automobile
allowance of $300 per month.

          4.06 Other Benefits.  At such reasonable times as the President/Chief
               --------------
Executive Officer of UCB or the Bank shall in his discretion permit, the
Employee shall be entitled, without loss of pay, to absent himself voluntarily
from the performance of his employment under this Agreement, all such voluntary
absences to count as vacation time, provided that:

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               (a) The Employee shall be entitled to an annual vacation of four
(4) weeks per year; and

               (b) The timing of vacations shall be scheduled in a reasonable
manner by the Employee with the President/Chief Executive Officer's approval.
The Employee shall not be entitled to receive any additional compensation from
UCB or the Bank on account of his failure to take a vacation; nor shall he be
entitled to accumulate unused vacation time from one calendar year to the next.

     5.   Confidentiality.
          ---------------

          5.01 General.  In Employee's position as an employee of UCB and the
               -------
Bank, Employee has had and will have access to confidential information, trade
secrets and other proprietary information of vital importance to UCB and the
Bank.  UCB and the Bank require as a condition to Employee's employment with UCB
and the Bank that Employee agrees to certain restrictions on Employee's use of
proprietary information and valuable relationships developed during Employee's
employment with UCB and the Bank.  In consideration of the terms and conditions
contained herein, the parties hereby agree as follows:

          5.02 Fiduciary Responsibility.  UCB and the Bank and Employee mutually
               ------------------------
agree and acknowledge that UCB and the Bank may entrust Employee with highly
sensitive confidential, restricted and proprietary information concerning
various "Business Opportunities" (hereinafter defined), customer lists, and
personnel matters. Employee acknowledges that, as an essential element of
Employee's employment with UCB and the Bank, Employee shall have a fiduciary
responsibility to UCB and the Bank to protect such information from use or
disclosure that is not necessary for the performance of Employee's duties
hereunder.

          5.03 Definitions.  For the purposes of this Agreement, the following
               -----------
definitions shall apply:

               (a) "Trade Secrets" mean information, without regard to form,
including, but not limited to, technical or non-technical data, formulas,
patterns, compilations, programs, devices, methods, techniques, drawings,
processes, financial data, financial plans, product plans or lists of actual or
potential customers or suppliers, which:  (i) are not commonly known by or
available to the public; (ii) derive economic value, actual or potential, from
not being generally known to, and not being readily ascertainable by proper
means by, other persons who can obtain economic value from its disclosure or
use; and (iii) are the subject of efforts that are reasonable under the
circumstances to maintain their secrecy.  Trade Secret also shall include any
other information defined as a "trade secret" under the Georgia Trade Secrets
Act of 1990, O.C.G.A. Section 10-1-760 through Section 10-1-767.

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               (b) "Confidential Information" shall mean any data or
information, other than Trade Secrets, which is material to UCB or the Bank and
which is not generally known by the public. Confidential Information shall
include, but not be limited to, data or information related to: (i) the taking
of deposits, making loans and extensions of credit, cashing checks, and other
operations incident to the business of banking (the "Business of UCB or the
Bank"); (ii) any information pertaining to the identity of the customers,
depositors or borrowers served by, of Business Opportunities (hereinafter
defined) or UCB or the Bank; (iii) the details of this Agreement, UCB's or the
Bank's respective business, marketing and acquisition plans; (iv) financial
statements and projections, and the costs of the services UCB or the Bank may
offer or provide to the customers they serve, to the extent such information is
material to UCB or the Bank and not generally known by the public; and (v)
information acquired by Employee from the Bank relating to the Bank's methods of
doing business.

               (c) "Business Opportunities" shall mean any specialized
information or plans of UCB or the Bank concerning the business of UCB or the
Bank, including but not limited to, the financing of or investment by UCB or the
Bank, any target entity, business or project, together with all related
information concerning the specifics of any contemplated financing, investment,
acquisition or purchase (including pricing, terms and the identity of such
person, business or project) regardless of whether UCB or the Bank has entered
any agreement, made any commitment or issued any bid or offer to such person,
business or project.

               (d) Notwithstanding the definitions of Trade Secrets,
Confidential Information and Business Opportunities set forth above, Trade
Secrets, Confidential Information and Business Opportunities shall not include
any information:

                   (i)   that is or becomes generally known to the public (other
than as a result of a breach of this Agreement by Employee);

                   (ii)  that is developed by Employee after termination of
employment through entirely independent efforts;

                   (iii) that Employee obtains from an independent source
having a bona fide right to use and disclose such information;

                   (iv)  that is required to be disclosed by law, except to the
extent eligible for special treatment under an appropriate protective order; or

                   (v)   that the respective Boards of Directors of UCB and the
Bank approve for unrestricted release by express written authorization.

          5.04  Trade Secrets.  Employee shall not, without the prior written
                -------------
consent of the President/Chief Executive Officer of UCB or the Bank, during his
employment with UCB and the Bank and for so long thereafter as the information
or data remains Trade Secrets, use or disclose, or negligently permit any
unauthorized person

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who is not an employee of UCB or the Bank to use, disclose, or gain access to,
any Trade Secrets of UCB or the Bank, or of any of their subsidiaries or
affiliates, or of any other person or entity making Trade Secrets available for
UCB's or the Bank's (or any of their subsidiaries or affiliates') use.

          5.05  Confidential Information.  Employee shall not, without the prior
                ------------------------
written consent of the President/Chief Executive Officer of UCB or the Bank,
during his employment with UCB and the Bank and for a period of one (1) year
after termination of his employment for any reason, as long as the information
or data remains competitively sensitive, use or disclose, or negligently permit
any unauthorized person who is not employed by UCB or the Bank to use, disclose,
or gain access to, any Confidential Information to which the employee obtained
access by virtue of his employment with UCB and the Bank.

          5.06  Observance of Security Measures.  During Employee's employment
                -------------------------------
with UCB and the Bank, Employee is required to observe all security measures
adopted to protect Trade Secrets, Confidential Information and Business
Opportunities of UCB or the Bank.

     6.   Solicitation of Customer, Borrowers or Depositors.
          -------------------------------------------------

          6.01  After Termination of Employment.  Upon termination of Employee's
                -------------------------------
employment for any reason, Employee shall not, directly or indirectly, as
principal, agent, trustee or consultant or through the agency of any
corporation, partnership, association, trust or other entity or person, on
Employee's own behalf or for others, within one (1) year after such termination,
actively solicit, divert or take away, or attempt to actively solicit, divert,
or take away any customers of UCB or the Bank for the purpose of providing
services which constitute the Business of UCB and the Bank.

          6.02  During Employment.  During Employee's employment with UCB and
                -----------------
the Bank, Employee shall not, except on behalf of UCB or the Bank, solicit,
divert, take away or accept the business of, or attempt to solicit, divert or
take away the business of, any of the customers, depositors or borrowers of UCB
and the Bank for the purpose of performing the Business of UCB and the Bank for
such customers.

     7.   Non-Interference with Personnel Relations.
          -----------------------------------------

          Employee shall not, during his employment with UCB and the Bank and
for a period of one (1) year after the termination of his employment with UCB
and the Bank for any reason, knowingly solicit, entice or persuade any other
employees or agent of UCB or the Bank (or of any of their subsidiaries or
affiliates) to leave the services of UCB or the Bank (or such subsidiary or
affiliate).

     8.   Notification of Subsequent Employment.
          -------------------------------------

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          During a period of one (1) year after the termination of Employee's
employment with UCB and the Bank, Employee shall notify UCB and the Bank in
writing, within thirty (30) days after accepting employment with any other
corporation, partnership, association, person, organization or other entity, of
the name and address of Employee's new employer and Employee's functions with
his new employer.

     9.   Covenant Not to Compete.
          -----------------------

          9.01  General. For purposes of this Section 9, UCB and the Bank and
                -------
Employee conduct the following business in the following territory:

                (a)  UCB is engaged in the business of transacting business as a
holding company with the Bank as its subsidiary bank which accepts deposits,
makes loans, cashes checks and otherwise engages in the business of banking;

                (b)  UCB and the Bank actively conduct the Business of UCB and
the Bank within a twenty (20) mile radius of the location of UCB and the Bank at
5660 New Northside Drive, Atlanta, Georgia 30328 (the "Geographic Area"); and

                (c)  Employee has established business relationships and
performs the duties required of Employee under this Agreement in the Geographic
Area and will work exclusively in the Geographic Area while in the employ of UCB
and the Bank.

          9.02  Non-Competition. Employee covenants and agrees that for a period
                ---------------
of one (1) year after the termination of his employment with UCB and the Bank
without "cause" and for six (6) months after termination of his employment with
UCB and the Bank with "Cause" ("Cause" is defined in Section 10.01 (c) below),
Employee shall not directly or indirectly, as principal, agent, trustee,
consultant or through the agency of any corporation, partnership, association,
trust or other entity or person, on Employee's own behalf or for others, provide
services that are the same as or similar to the services provided by Employee
under this Agreement to or for the benefit of any entity or person conducting a
business similar to the Business of UCB and the Bank within the Geographic Area.

     10.  Termination.
          -----------

          10.01 Grounds for Termination.  This Agreement shall terminate prior
                -----------------------
to the expiration of the initial Term set forth in Section 2 or any extension
thereof in the event that anytime during such initial Term or any extension
thereof:

                (a)  UCB or the Bank shall give notice to Employee that UCB or
the Bank is terminating this Agreement without cause, which notice shall specify
the effective date of Employee's termination;

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               (b) Employee shall die or the Board of Directors of UCB or the
Bank shall determine that Employee has become disabled (as defined in Section
10.02); or

               (c) The President/Chief Executive Officer of UCB or the Bank
shall determine that Cause exists. "Cause" means: (i) having been convicted
under the laws of any government jurisdiction of: (A) a felony; or (B) a
criminal offense which is not a felony but which has a material adverse effect
on UCB or the Bank (or any of their subsidiaries or affiliates) or on the
ability of Employee to carry out his duties hereunder (provided, however, that
in no event shall minor traffic violations constitute "Cause"); (ii) having
committed any action constituting theft or fraud against UCB or the Bank (or any
of their subsidiaries or affiliates); (iii) the breach of any of the Employee's
covenants or obligations hereunder; (iv) the knowing failure of the Employee to
follow specific directives of the President/Chief Executive Officer of UCB or
the Bank consistent with Employee's duties; or (v) the termination by Employee
of his employment hereunder prior to the expiration of the term of this
Agreement, unless such termination is pursuant to Sections 10.01(d), 10.01(e) or
10.01(f) hereof.

               (d) Employee shall determine that UCB or the Bank has breached
this Agreement in any material respect (including, but not limited to, UCB's or
the Bank's failure to make any payment required under this Agreement), which
breach is not cured by UCB or the Bank within thirty (30) days after written
notice of such breach is delivered to UCB or the Bank by the Employee.

               (e) Employee, within thirty (30) days following the occurrence of
a "Change in Control" (as defined in Section 10.03), notifies UCB in writing
that he is electing to terminate this Agreement pursuant to this Section
10.01(e).

               (f) The failure of the Bank for any reason to obtain a Charter
and commence a banking business.

         Notwithstanding any termination of this Agreement, in consideration of
his employment hereunder to the date of such termination, to the extent
specifically provided for herein, the Employee shall remain bound by the
provisions of this Agreement which specifically relate to periods subsequent to
the termination of Employee's employment hereunder.

         10.02 "Disability" Defined. The Board of Directors of UCB or the Bank
                -------------------
may, in its discretion reasonably exercised, determine that Employee has become
disabled, for the purpose of Section 10.01(b) of this Agreement, in the event
that Employee shall fail, in one or more material respects, because of illness
or other physical or mental incapacity, to render services of the character
contemplated by this Agreement for an aggregate of more than sixty (60) calendar
days during any period of one hundred twenty (120) consecutive days.

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          10.03  "Change in Control" Defined.  For purposes of this Agreement, a
                  --------------------------
"Change in Control" shall be deemed to have occurred if more than fifty percent
(50%) of UCB's outstanding common stock or equivalent in voting power of any
class or classes of outstanding securities of UCB entitled to vote in elections
of its directors, shall be acquired by any person or group of persons acting in
concert.  Additionally, a "Change in Control" shall be deemed to have occurred
if:  (i) more than fifty percent (50%) of the Bank's outstanding common stock or
equivalent in voting power of any class or classes of outstanding securities of
the Bank entitled to vote in elections of its directors, shall be acquired by
any person or group of persons acting in concert; or (ii) substantially all of
                                                  --
the assets of UCB or the Bank shall be sold to another person or entity.

          10.04  Surrender of Records and Property.  Upon the request of UCB or
                 ---------------------------------
the Bank and, in any event, upon termination of his employment with UCB or the
Bank, Employee shall deliver promptly to UCB and the Bank all records, manuals,
books, blank forms, documents, letters, memoranda, notes, notebooks, reports,
data, tables, calculations or copies thereof, which are the property of UCB or
the Bank (or any of their subsidiaries of affiliates) and which relate in any
way to the business, products, practices or techniques of UCB or the Bank (or
any of their subsidiaries or affiliates), and all other property, Trade Secrets
and Confidential Information of UCB and the Bank (or any of their subsidiaries
or affiliates), including, but not limited to, all documents which in whole or
in part contain any Trade Secrets or Confidential Information of UCB or the Bank
(or any of their subsidiaries or affiliates), which in any of these cases are in
his possession or under his control.

     11.  Compensation Under Termination.
          ------------------------------

          11.01  Sections 10.01(a), (d) and (e) Termination.  In the event this
                 ------------------------------------------
Agreement is terminated pursuant to Section 10.01(a), 10.01(d) or 10.01(e)
hereof, Employee will receive a lump sum payment equal to the "Severance Amount"
(hereinafter defined), in addition to (i) payment of Employee of his then
current Base Salary through the effective date of termination and (ii)
reimbursement of expenses incurred by employee in accordance with Section 4.05
hereof.  Additionally, in the event this Agreement is terminated pursuant to
Section 10.01(a), 10.01(d) or 10.01(e) hereof, Employee shall be entitled to
receive any bonus, or pro rata portion thereof, to which Employee shall be
entitled pursuant to Section 4.02 hereof, provided that any such bonus shall be
paid in accordance with Section 4.02.  For purposes of this Section 11.01
"Severance Amount" shall mean an amount equal to the annual Base Salary in
effect on the date of termination.

          11.02  Sections 10.01(b), (c) and (f) Termination.  In the event this
                 ------------------------------------------
Agreement is terminated pursuant to Sections 10.01(b),10.01(c) or 10.01(f),
Employee shall not be entitled to any compensation other than (i) payment of his
then current Base Salary accrued through the effective date of termination and
(ii) reimbursement of expenses incurred by Employee in accordance with Section
4.05 hereof, and all rights of Employee to further compensation shall thereupon
cease and be terminated.

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     12.  Assignment and Inurement.  This Agreement shall inure to the benefit
          ------------------------
of and be binding upon the parties hereto and his respective heirs, successors,
administrators, and permitted assigns.  This is a personal service contract and,
except to the extent specifically contemplated hereby, may not be assigned by
Employee without the prior written consent of UCB and the Bank.

     13.  Injunctive Relief.  Employee agrees that it would be difficult to
          -----------------
compensate fully for damages for any violation of the provisions of this
Agreement, including without limitation the provisions of Sections 5, 6, 7, 8, 9
and 10.04.  Accordingly, Employee specifically agrees that UCB or the Bank shall
be entitled to temporary and permanent injunctive relief to enforce the
provisions of this Agreement.  This provision with respect to injunctive relief
shall not, however, diminish the right of UCB or the Bank to claim and recover
damages in addition to injunctive relief.

          Notwithstanding anything in Section 15 hereof to the contrary, any
party to this Agreement may petition the Superior Court of Fulton County,
Georgia, for temporary injunctive relief.  All disputes, controversies or claims
arising out of or related to this Agreement, other than a request for temporary
injunctive relief, shall be resolved in accordance with the provisions of
Section 15 hereof.  The parties hereby agree that jurisdiction and venue for any
action seeking temporary injunctive relief pursuant to this Section 13 shall lie
in the Superior Court of Fulton County, Georgia.  The parties hereby agree,
further, that any temporary restraining order entered pursuant to this Section
13 shall remain in effect until the dispute giving rise thereto is resolved
pursuant to the provisions of Section 15 and the parties agree to enter into any
and all consent orders required to maintain such temporary restraining order in
effect until such time.

     14.  Miscellaneous.
          -------------

          14.01 Governing Law.  This Agreement is made under and shall be
                -------------
governed by and construed in accordance with the laws of Georgia.

          14.02 Prior Agreements.  This Agreement contains the entire agreement
                ----------------
of the parties relating to the subject matter hereof and supersedes all prior
agreement and understandings with respect to such subject matter, and the
parties hereto have made no agreement, representations or warranties relating to
the subject matter of this Agreement which are not set forth herein.

          14.03 Withholding Taxes. UCB and the Bank may withhold from any
                -----------------
benefits payable under this Agreement all federal, state, city and other taxes
as shall be required pursuant to any law or government regulation or ruling.

          14.04 Amendments.  No amendment, modification or waiver of this
                ----------
Agreement or any provisions hereof shall be deemed effective unless made in
writing signed by the party against whom enforcement of the amendment,
modification or waiver is sought.  Any written waiver shall not be deemed a
continuing waiver unless specifically stated and shall operate only as to the
specific term or condition waived.

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<PAGE>

               14.05  Notices. Any notice, request, demand or other document to
                      -------
be given hereunder shall be in writing, and shall be delivered personally or
sent by registered, certified or express mail or facsimile followed by mail as
follows:

                      If to UCB or the Bank:
                      ---------------------
                      United Commercial Bank
                      5660 New Northside Drive
                      Suite 200
                      Atlanta, Georgia 30328
                      Attention:  Chief Executive Officer

                      If to Employee:
                      ---------------
                      Edward J. Cooney
                      1494 Herndon Lane
                      Marietta, Georgia  30062

Or to such other address as either party hereto may hereafter duly give to the
other.

               14.06  Severability.  To the extent any provision of this
                      ------------
Agreement shall be invalid or unenforceable, it shall be considered deleted
herefrom and the remainder of such provisions and of this Agreement shall be
unaffected and shall continue in full force and effect. In furtherance and not
in limitation of the foregoing, should the duration or geographical extent of,
or business activities covered by any provisions of this Agreement be in excess
of that which is valid or enforceable under applicable law, then such provision
shall be construed to cover only that duration, extent or activities which may
validly and enforceably be covered. Employee acknowledges the uncertainty of the
law in this respect and expressly stipulates that this Agreement be given the
construction which renders its provisions valid and enforceable to the maximum
extent (not exceeding its express terms) possible under applicable law.

          15.  Arbitration.  Any and all disputes, controversies or claims
               -----------
arising out of or related to this Agreement (other than a request for a
temporary restraining order pursuant to Section 13 hereof), shall be resolved by
binding arbitration in accordance with the Commercial Arbitration Association
("AAA"). Judgment upon the award rendered by the arbitrators may be entered in
any court having jurisdiction thereof. In the event of any inconsistency between
the provisions of this Section 15 and AAA's Commercial Arbitration Rules, the
provisions of this Section 15 shall govern. Any party may initiate arbitration
by serving written notice of its intention to arbitrate on the other parties.
The venue of any such arbitration shall be Atlanta, Georgia. The arbitration
panel shall consist of three arbitrators selected as follows. Within thirty (30)
days following the date on which the arbitration provisions of this Section 15
is invoked by a party, Employee, on the one hand, and UCB and/or the Bank, on
the other, shall each select an arbitrator from a list of arbitrators provided
by AAA. The lists from which Employee and UCB and/or the Bank select their
respective arbitrators shall be identical.

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If either Employee or UCB and/or the Bank fails to select its arbitrator within
the time required, the other shall be entitled to select its arbitrator for it.
Within fifteen (15) days following the selection of the last to be selected of
the two (2) arbitrators, the two (2) arbitrators so selected shall select a
third arbitrator. A preliminary arbitration hearing shall be held within thirty
(30) days following the preliminary hearing. The arbitration panel shall deliver
its award in writing, including findings of facts, to the parties within thirty
(30) days following the final arbitration hearing. Evidence and testimony shall
be admitted in accordance with the Federal Rules of Evidence. The arbitration
panel shall have authority to grant temporary or permanent injunctive relief or
other equitable remedies. Each party shall bear its own costs and expenses of
the arbitration proceeding.

____________________         __________________          _________________
UCB                          Bank                        Employee

     IN WITNESS WHEREOF, UCB and the Employee have executed this Agreement
as of the date and year first forth above.  The Bank shall execute this
Agreement upon its formation and capitalization.

                                     UCB FINANCIAL GROUP, INC.

                                     By: /s/ Ronnie L. Austin
                                         --------------------
                                         Ronnie L. Austin
                                         President and Chief Executive Officer

                                     UNITED COMMERCIAL BANK

                                     By: /s/ Ronnie L. Austin
                                         --------------------
                                         Ronnie L. Austin
                                         President and Chief Executive
                                         Officer

                                     EMPLOYEE:

                                         /s/ Edward J. Cooney
                                         --------------------
                                         Edward J. Cooney

                                       12<PAGE>

                                                                    EXHIBIT 10.6

                                                       3150 Holcomb Bridge Road
                                                              Suite 200
                                                           Atlanta, GA 30071
                                                         Phone: (770) 248-9600
                                                           Fax (770) 242-6803
                                                            www.intercept.net

                  MASTER AGREEMENT FOR PROVISION OF HARDWARE,
                            SOFTWARE AND/OR SERVICES

<TABLE>
<S>                                                                 <C>
------------------------------------------------------------------------------------------------------
Name of Customer                                                    Phone Number:

United Commercial Bank, IO                                          770-595-9146
------------------------------------------------------------------------------------------------------
Address:                                                            Fax Number:

5660 New Northside Drive
------------------------------------------------------------------------------------------------------
City, State, Postal Code                                            After Hours Phone Number:

Atlanta, GA  30328
------------------------------------------------------------------------------------------------------
InterCept Contact Person:                                           Customer Contact Person:

Steven Roberts                                                      Ronnie Austin, President
------------------------------------------------------------------------------------------------------
InterCept Email Address:                                            Customer Email Address:

Steven.Roberts@intercept.net
------------------------------------------------------------------------------------------------------
</TABLE>

The InterCept Group ("InterCept") provides certain hardware, software, and
services for financial institutions that Customer wishes to purchase or lease.
In consideration thereof, the Parties agree as follows:

InterCept shall provide to Customer the hardware, software, and services set
forth in this Agreement and all Related Agreements. Related Agreements include
purchase orders, proposals, price lists, payment schedules, product and service
descriptions, and other agreements between the Parties executed on, before, or
after the Effective Date. Such Related Agreements are incorporated into and made
a part of this Agreement. The Parties acknowledge that this Agreement and all
Related Agreements are subject to the general terms and conditions attached
hereto. In the event that these general terms and conditions conflict with any
term or condition set forth in any Related Agreement the term or condition
attached hereto shall control unless otherwise specified in writing by the
Parties.

Provision of all products and services shall be governed by the applicable
purchase orders or leases. Products and services provided by third parties shall
be governed by the terms and conditions of the agreements provided by such third
parties.

This Master Agreement is effective upon execution by both Parties (the
"Effective Date").

Please enter the bank ABA Number (Routing Transit Number) here - ______________.

Each of InterCept and Customer has agreed to these terms and conditions as of
the date set forth below:

<TABLE>
<CAPTION>
<S>                                                     <C>

United Commercial Bank                                  THE INTERCEPT GROUP, INC.
-------------------------------------------
Name of Financial Institution/Customer

/s/ Ronnie Austin                                       /s/ Todd Shiver
-------------------------------------------             ----------------------------------------------
Signature of Authorized Officer                         Signature of InterCept Representative

Ronnie Austin                                           Todd Shiver
-------------------------------------------             ----------------------------------------------
Printed Name of Authorized Officer                      Printed Name of InterCept Representative

President                                               Vice President
-------------------------------------------             ----------------------------------------------
Title of Authorized Officer                             Title of InterCept Representative

12-17-01                                                12/17/01
-------------------------------------------             ----------------------------------------------
Date                                                    Date
</TABLE>

                                                                    CONFIDENTIAL
<PAGE>

                          GENERAL TERMS AND CONDITIONS

The following terms and conditions are in addition to the terms and conditions
of the Master Agreement and all Related Agreements.

1.     Definitions. Capitalized terms used herein shall have the following
meanings.

1.1.   "Acceptance" shall mean the occurrence of the conditions set forth in
        ----------
Section 2.2.

1.2.  "Affiliate" means a company which owns or controls, directly or
       ---------
indirectly, a majority of the stock or board of directors of a Party to this
Agreement, or a company whose stock or board of directors is owned or
controlled, directly or indirectly, by a Party to this Agreement.

1.3.  "Agreement" means the Master Agreement, these General Terms and
       ---------
Conditions, and all attachments, all of which are incorporated herein.

1.4.  "Changes" mean corrections, updates, upgrades, translations, additions,
       -------
and modifications to the Software and Documentation, and any other new or
additional works based in whole or part on the Software and Documentation.

1.5.  "Confidential Information" means any competitively sensitive or secret
       ------------------------
business, marketing, or technical information, technology, business processes or
procedures, and customer information of InterCept, Customer, or either of their
Affiliates, including the terms and conditions of this Agreement and all other
Agreements and communications between InterCept and Customer. InterCept's
Confidential Information shall include, but is not limited to, all pricing terms
and related provisions, and all software, hardware, and documentation provided
or licensed to Customer hereunder, used to provide services to Customer
hereunder, or to which Customer has access as a result of its relationship with
InterCept. Customer's Confidential Information shall include, but is not limited
to, all information concerning Customer's customers and their accounts, and
Customer's proprietary business practices and procedures. Confidential
Information shall not include information which is (i) generally known to the
public or readily ascertainable from public sources (other than as a result of a
breach of confidentiality hereunder), (ii) independently developed by the
receiving Party without reference to or reliance on any Confidential Information
of the disclosing Party, as demonstrated by written records of the receiving
Party, or (iii) obtained from an independent third party who created or acquired
such information without reference to or reliance on Confidential Information or
breach of obligations of confidentiality.

1.6.  "Customer" shall mean the financial institution, company, person, or other
       --------
entity listed on page 1 of this Agreement in the space entitled "Name of
Customer."

1.7.  "Documentation" means the user and operating documentation relating to the
       -------------
Software as provided by InterCept to Customer or to InterCept's customers
generally.

1.8.  "Hardware" means all computer, communications, network, and other hardware
       --------
equipment which customer has agreed to purchase or lease under any Related
Agreement.

1.9.  "InterCept" shall mean The InterCept Group, Inc.
       ---------

1.10.   "Licensed Products" mean collectively the Software and Documentation.
         -----------------

1.11.  "Parties" shall mean the Customer and collectively The InterCept Group,
        -------
Inc. and all wholly owned subsidiaries.

1.12.   "Related Agreements" mean all purchase orders, proposals, price lists,
         ------------------
payment schedules, product and service descriptions, and all other agreements
between the parties executed on, before, or after the Effective Date in which
the parties specifically adopt the terms and conditions of this Agreement.

1.13.   "Related Expenses" shall mean reasonable travel, living, hardware,
         ----------------
communications, and other out-of-pocket expenses incurred by InterCept in the
performance of its obligations hereunder, including, but not limited to,
airfare, travel costs, lodging costs, and meals; shipping charges, courier and
delivery charges; tape, cartridge, CD and diskette cost; courier charges; and
voice and data telecommunications expenses, and the cost of all other hardware
and software which Customer requests from InterCept, provided that such hardware
and software costs are approved by Customer prior to their expenditure. To the
extent reasonably possible, InterCept will obtain the approval of Customer prior
to incurring substantial Related Expenses, and Customer will not unreasonably
withhold such approval.

1.14.   "Software" means the object code version of the InterCept software as
         --------
identified in any Related Agreement along with all Changes provided to Customer
or authorized by InterCept hereunder.

1.15.   "Third Party Software" means any third party software required to be
         --------------------
used in conjunction with the Software provided to Customer by InterCept.

2.    Provision of Products and Services

2.1.  Products and Services. InterCept agrees to provide Customer with the
      ---------------------
Hardware, Software, account processing services, and/or related products and
services described in this Agreement or any Related Agreement. All products and
services shall be provided pursuant to the terms and conditions applicable to
such products and services as set forth in this Agreement or any Related
Agreement.

2.2.  Acceptance. After Customer has received the Hardware, Software, data
      ----------
processing services, and/or related products and services described in this
Agreement or any Related Agreement, Customer shall conduct such further
inspection and testing as it deems necessary or appropriate to determine whether
any defect exists. Customer shall notify InterCept in writing of any defect
within 30 days of receipt of the initial invoice from InterCept.  Failure to
give such notice shall constitute an unqualified acceptance of the product or
service.

2.3.  Training. InterCept shall provide the training services for Customer
      --------
described in any Related Agreement, for the fees set forth therein. Training
shall take place at InterCept's or Customer's premises as specified in such

                                 Page 2 of 10                    CONFIDENTIAL
<PAGE>

Related Agreement. Customer shall provide adequate personnel for training.
Customer may obtain additional training with reasonable notice to InterCept at
InterCept's then current rates for such services.

2.4.  Customer Contacts. Each of Customer and InterCept shall maintain a contact
      -----------------
person to act as the primary point of communication. Each Party's initial
contact person is listed on the Master Agreement.  Each Party may change its
contact person with written notice to the other Party.

2.5.  Regulatory Requirements. Unless otherwise specified in any Related
      -----------------------
Agreement:

(a)  Federal and State Requirements. InterCept shall use all reasonable efforts
     ------------------------------
     to ensure that the products and services provided hereunder comply with and
     allow Customer to comply with existing federal and state rules and
     regulations applicable to financial institutions. Customer shall notify
     InterCept in the event that Customer discovers or is notified that any
     product or service provided by InterCept does not meet or allow Customer to
     meet such requirements, and InterCept shall use its best efforts to bring
     such products or services into compliance within a reasonable time
     thereafter. Federal and state rules affecting financial institutions are
     subject to change and InterCept shall use all reasonable efforts to ensure
     that the products and services provided hereunder comply with and allow
     Customer to comply with such future changes. InterCept reserves the right
     to adjust its prices to the extent any future changes to federal and state
     rules and regulations increase the cost of the products and services
     provided hereunder.

(b)  InterCept. InterCept agrees to comply with all rules, laws, and regulations
     ---------
     which directly govern InterCept or its operations due to its status as a
     provider of products or services to financial institutions.

(c)  Access to InterCept and Customer's Data. InterCept shall provide access to
     ---------------------------------------
     its equipment and facilities and Customer's data as reasonably requested or
     required by Customer, Customer's internal or third party auditors, or any
     state, federal, or local regulatory agency with regulatory authority over
     Customer or InterCept. Customer will provide InterCept with reasonable
     prior notice of such audits, will cause its auditors and staff to conduct
     such audits in a manner designed to minimize the disruption to InterCept's
     operations, and will ensure that any such third parties provided with
     access hereunder will comply with Customer's obligations of confidentiality
     hereunder.

2.6.  Changes to Services. InterCept reserves the right to make changes to
      -------------------
services including, but not limited to, operating procedures, security
procedures, the type of equipment resident at, and the location of InterCept's
facilities, including all changes necessitated by any change in any law, rule,
regulation, or requirement of any regulatory agency, provided that InterCept
shall use its best efforts not to delete services or make changes which would
cause a material increase in Customer's cost of doing business without
Customer's prior approval. InterCept will provide Customer with reasonable prior
written notice of changes which will materially affect Customer's procedures.

3.   Payment and Terms.

3.1.  Fees. Customer agrees to pay all fees, charges and Related Expenses for
      ----
products and services to be provided under this Agreement as set forth in the
Related Agreements. All amounts shall be paid in U.S. dollars by wire transfer
to the bank account designated by InterCept in accordance with the payment terms
set forth in the Related Agreements, or as otherwise agreed between InterCept
and Customer; provided however, that InterCept may, at its option, debit
              -------- -------
Customer's billing account on or after the 15th day of each month through ACH.
Customer agrees to provide a billing account number for this purpose.

3.2.  Payment Terms. All amounts are due and payable on the date specified in
      -------------
the Related Agreements, or, if a date is not specified, not later than 30 days
following the date of invoice.  Overdue amounts shall accrue interest at the
lesser of 1.5% per month or the highest rate allowed under applicable law. The
Customer further agrees to pay all costs of collection, including reasonable
attorneys' fees. Time is of the essence with respect to all payments due from
Customer hereunder.

3.3.  Taxes. Customer shall pay on a timely basis all sales, use, import,
      -----
export, VAT, excise and other taxes, tariffs, and duties arising out of or
imposed on InterCept or Customer as a result of the provision of products and/or
services by InterCept hereunder, however designated, based or levied by any
federal, state, municipal, or local taxing authority of United States (but shall
not include Federal, state, or local income taxes imposed on InterCept).
Customer shall promptly reimburse and shall indemnify InterCept for all such
taxes which InterCept is required by any taxing authority to pay.

3.4.  Fee Adjustments. InterCept reserves the right to adjust its prices once
      ---------------
per year subject to 30 days advanced written notice. InterCept shall not
increase in any calendar year the fees and charges by more than 3% plus the
percentage increase in the U.S. Department of Labor, Consumer Price Index for
Urban Wage Earners and Clerical Workers, All Cities, (1982=100) for the previous
12 months. InterCept shall not increase Customer's fees or charges by a greater
percentage than it increases its customers' fees in general for the same or
similar products or services.

4.   Default and Termination

4.1.  Term. Unless earlier terminated as provided for herein, the term of this
      ----
Agreement shall commence on the Effective Date and shall continue for so long as
any Related Agreement between the Parties that specifically adopts the terms and
conditions of this Agreement remains in effect.

4.2.  Termination by Customer.

(a)  Customer may terminate any Related Agreement upon 180 days written notice
     accompanied by payment for all previously invoiced and overdue amounts. If
     applicable, Customer shall pay the cancellation fee set forth in such
     Related Agreement
(b)  Customer may terminate this Agreement and the applicable Related Agreement
     upon the occurrence of

                                 Page 3 of 10                      CONFIDENTIAL
<PAGE>

     any of the following: (i) InterCept's material breach of any provision of
     this Agreement or the applicable Related Agreement if InterCept has not
     cured or initiated adequate steps to cure such breach or failure within 30
     days following written notice of such breach or failure to InterCept; or
     (ii) InterCept ceases to do business, makes a composition or assignment for
     the benefit of creditors, becomes bankrupt or insolvent, or is found
     subject to any provisions of the bankruptcy code concerning involuntary
     bankruptcy or similar proceeding. If any breach or failure materially
     affects Customer's ability to conduct its operations in accordance with
     safe and sound banking practices or materially affects Customer's ability
     to service its customers, then such notice period shall be shortened to 10
     business days. Termination may be immediate or at a future date to allow
     for a conversion to an alternate product or service provider. In no event
     shall InterCept be responsible for Customer's costs associated with
     identification, selection, engagement or implementation of a replacement
     vendor.

4.3.  Termination by InterCept. Unless otherwise specified in any Related
      ------------------------
Agreement, InterCept may terminate this Agreement and the applicable Related
Agreement upon the occurrence of any of the following: (i) Customer's material
breach of any provision of this Agreement or the applicable Related Agreement if
Customer has not cured or initiated adequate steps to cure such breach or
failure within 30 days following written notice of such breach or failure to
Customer; (ii) Customer fails to pay any fee or charge when due; or (iii)
Customer ceases to do business, makes a composition or assignment for the
benefit of creditors, becomes bankrupt or insolvent, or is found subject to any
provisions of the bankruptcy code concerning involuntary bankruptcy or similar
proceeding. In the event of termination, all fees and amounts due with respect
to such product or service shall accelerate and become due and payable
immediately.

4.4.  Return of Materials. Upon any termination of this Agreement and completion
      -------------------
of all conversion and other continuing activities, each Party shall promptly
return to the other or destroy all copies of all materials relating to such
products or services or containing any Confidential Information of the other
Party, including all copies of all data, software, and documentation.

4.5.  Survival. All rights and obligations under this Agreement and any Related
      --------
Agreement with respect to restrictions on the use of products and services,
protection of intellectual property rights, payment of fees, confidentiality,
and indemnification shall survive the expiration or termination of this
Agreement and any Related Agreement.

5.   Customer Obligations

5.1.  Hardware and Software. Customer agrees to obtain, install, operate, and
      ---------------------
maintain the hardware, software, and general operating environment required for
the proper use and operation of the products and services to be provided by
InterCept hereunder (excluding that which is to be provided by InterCept
hereunder), including, but not limited to, all hardware, software, and networks;
telecommunications lines, equipment, and service; power lines, outlets, sources
and conditioners; UPS equipment, and environmental conditioning equipment (the
"Operating Environment"). InterCept shall be responsible for components of the
Operating Environment which InterCept has been contracted to provide. The
Operating Environment shall comply with specifications provided by InterCept,
and must be certified by InterCept as meeting such specifications prior to
implementation by InterCept of any products or services which rely on such
Operating Environment.  InterCept shall provide Customer with all requirements
for the Operating Environment prior to or within a reasonable time following the
execution of this Agreement.  Customer shall in the future acquire all such
additional hardware, software, and equipment as may be necessary to support
additional products or services ordered from InterCept as reasonably required to
support any increase in Customer's size or transaction volume, as necessary to
keep its technology reasonably current and competitive, or as required to
support any upgrade to any InterCept product or service which Customer desires
to implement.

5.2.  Support. Customer shall provide InterCept with all data, documents,
      -------
reports, access to personnel, and other assistance as may be reasonably required
or necessary for InterCept to provide the products and services to be provided
hereunder. InterCept will provide prompt notice of all such requirements and
Customer shall not unreasonably withhold or delay such item or assistance.

5.3.  Personnel. Following completion of training to be provided by InterCept
      ---------
under any Related Agreement, Customer shall provide and train all personnel
reasonably required for the proper use and operation of the products and
services provided by InterCept hereunder.

5.4.  Data Protection. Customer shall establish proper procedures to verify the
      ---------------
correctness and integrity of the data stored or produced by InterCept's products
or services. Customer shall own and retain all right, title, and interest in and
to all Customer account and transaction data provided by Customer to InterCept.
Unless otherwise agreed, Customer shall be responsible for all data and proper
backup thereof.

5.5.  Final Regulatory Approval for De Novo Banks. The obligations of Customer
      -------------------------------------------
under the Master Agreement and all Related Agreements are subject to Customer
receiving its final regulatory approvals required for Customer to commence
operations. If Customer fails to receive such approvals for any reason, Customer
may terminate this Order and receive a refund of all fees paid to InterCept
hereunder.  Notwithstanding the foregoing, Customer shall be responsible for
paying InterCept for all costs and expenses incurred by InterCept in the
performance of its obligations hereunder through such date, including all fees
for implementation and other services provided through such date, and all fees
for hardware and software purchased by InterCept on Customer's behalf. If
InterCept can sell or use such equipment elsewhere, Customer shall receive a
refund equal to 50% of the cost of such equipment.

6.   Terms and Conditions Applicable to Hardware

6.1.  Shipping and Delays. Unless otherwise specified in any Related Agreement,
      -------------------
all Hardware is delivered F.O.B. from InterCept's offices, or from the
manufacturer, as

                                 Page 4 of 10                      CONFIDENTIAL
<PAGE>

applicable, subject to the allocation of risk set forth below. Customer is
responsible for all shipping, freight, handling, and other costs associated with
delivering the Hardware to Customer's premises. The means of shipment of the
Hardware shall be in InterCept's discretion and shipment may be made in
installments unless otherwise mutually agreed in writing prior to shipment The
delivery dates quoted by InterCept are estimates only and subject to
availability and delivery from the respective manufacturers of the Hardware.
InterCept shall not be responsible for any delay attributable to any
manufacturer or other third party.

6.2.  Title, Risk of Loss, and Insurance
      ----------------------------------

(a)  Title and Risk. Risk of loss to the Hardware shall pass to Customer upon
     --------------
     shipment. Title to the Hardware shall remain with InterCept until Customer
     has paid the full purchase price for the Hardware.

(b)  Insurance. Until Hardware is fully paid for, Customer, at its sole cost and
     ---------
     expense, shall acquire and maintain adequate insurance to cover the unpaid
     portion of the purchase price. Coverage should include, but not be limited
     to, fire, extended coverage, vandalism, malicious mischief and other
     coverage. In the event of any loss, damage, or destruction to the Hardware
     while any portion of the purchase price remains unpaid, Customer shall pay
     the remaining unpaid portion of the purchase price from the insurance
     proceeds.

6.3.  Transfer of Goods. Until Customer has made full payment to InterCept for
      -----------------
the Hardware, Customer will not sell, exchange, lease, encumber, or pledge the
Hardware, grant or permit the creation or attachment of any other security
interest therein or lien thereon, or otherwise dispose of the Hardware or any of
Customer's rights therein without InterCept's prior written consent. During such
period, Customer shall use reasonable efforts to prevent the Hardware from being
levied upon under any legal process, or to prevent anything to be done that
would materially impair the value of any of the Hardware. Until Customer has
paid for the Hardware in full, Customer grants InterCept a purchase money
security interest in the Hardware. Customer agrees to execute and deliver any
financing statement or other document as InterCept may request to attach or
perfect such security interest, including financing statements and UCCs.

6.4.  Price Protection. InterCept guarantees the purchase price of the Hardware
      ----------------
as set forth on any Related Agreement up to and including the installation date.
If Customer has not accepted the Hardware on or prior to the date of
installation through no fault of InterCept, InterCept may charge such price as
appropriate to reflect any increase in the cost of the Hardware that InterCept
must pay.

6.5.  Hardware Substitution. Customer agrees that because of the rapid evolution
      ---------------------
and technological advances in the industry, any order is subject to change based
on such advances or discontinuances from the manufacturer. Customer acknowledges
that InterCept may provide substitute Hardware which in InterCept's opinion is
of equivalent or better quality than the Hardware originally ordered by
Customer.

6.6.  Use and of Hardware. Hardware which is leased shall only be used by
      -------------------
qualified employees of the Customer in the ordinary and normal course of the
Customer's business. Customer at all times shall use the Hardware in a careful
and proper manner in conformity with the manufacturer's specifications and
documentation, and shall comply with and conform to all applicable federal,
state, local, and other laws, ordinances and regulations and all conditions of
all insurance required hereby which relate in any way to the possession, use, or
maintenance of the Hardware. Except to the extent InterCept has agreed to
provide Hardware maintenance under any Related Agreement, Customer shall at its
own cost and expense, maintain and keep the leased Hardware in good repair,
condition, and working order as to the appearance and mechanical performance.
InterCept shall have the right but not the obligation to inspect the Hardware
during Customer's normal business hours. Customer shall notify InterCept in
writing prior to moving or relocating the Hardware to any other address or
facility other than Customer's primary business address.

6.7.  Alterations to Leased Hardware. Customer shall not make or provide any
      ------------------------------
improvements, alterations, modifications, or additions to the leased Hardware
without InterCept's prior written consent.

6.8.  Characterization of Leased Hardware. The leased Hardware is and at all
      -----------------------------------
times shall remain personal property. If requested by InterCept, Customer shall
obtain, prior to delivery of the Hardware, a certificate in form satisfactory to
InterCept from each party having an interest in the real property where the
Hardware may be located, waiving any claim with respect to the Hardware. If at
any time during the term hereof InterCept supplies Customer with labels, plates,
or other markings stating that Hardware is owned by InterCept or is subject to
any interest of any other person, Customer shall affix such markings to, and
keep such markings prominently displayed on, the Hardware.

6.9.  Title to Leased Hardware. The leased Hardware is and shall remain the sole
      ------------------------
and exclusive property of InterCept. Customer shall execute and deliver all
financing statements provide by InterCept for filing of notice of such title,
including UCC statements.

6.10.  Return of Leased Hardware. Upon expiration or other termination of any
       -------------------------
lease with respect to any Leased Hardware for any reason, Customer shall
immediately return the Hardware at its own cost and expense, freight prepaid, to
such location as InterCept shall specify. Upon such return, the Hardware shall
be in good order and condition, ordinary wear and tear excepted, shall be
certified for manufacturers' maintenance, and shall be free and clear of all
liens and encumbrances.

6.11.  Insurance for Leased Hardware. Unless otherwise specified in any Related
       -----------------------------
Agreement at Customer's cost and expense, Customer shall obtain and maintain in
full force and effect throughout the term of any Related Agreement (including
any extensions or renewals thereof) insurance on the leased Hardware in the
amount of the full replacement value of the leased Hardware, and shall name
Customer and InterCept as named insureds, as their interests may appear.
Customer agrees to cooperate in the adjustment and settlement of any claim so as
to secure to InterCept the benefit of such insurance coverage and further agrees
to

                                 Page 5 of 10                       CONFIDENTIAL
<PAGE>

provide the amount of the deductible from its funds. In addition, Customer
shall obtain and maintain at its expense throughout the term of any Related
Agreement (including any extensions or renewals thereof) liability insurance
covering the risks and liabilities associated with the operation, use, and
ownership of the leased Hardware, and naming InterCept as an additional named
insured. Customer shall furnish InterCept with policies and/or certificates
evidencing the foregoing insurance coverages, and such policies and/or
certificates shall provide for at least 30 days prior written notice to
InterCept of any cancellation, reduction, or lapse in coverage-

6.12.  Hardware Maintenance. Subject to the payment by Customer of the fees for
       --------------------
hardware maintenance set forth in any Related Agreement, InterCept agrees to
provide Customer with maintenance services for the Hardware as follows:

(a)  Telephone Support. InterCept will provide remote telephonic support for the
     -----------------
     Hardware during the hours set forth in InterCept's then current policies
     and procedures for the applicable Hardware. Telephone Support shall include
     its best efforts (i) to diagnose errors or malfunctions in the Hardware and
     malfunctions caused by operator error, (ii) advise Customer of corrective
     measures, and (iii) clarify operating instructions.

(b)  Depot Maintenance. For Hardware supported by depot maintenance, if the
     -----------------
     problem cannot be resolved through telephonic support, InterCept shall ship
     loaner replacement Hardware Monday through Friday (except on days that
     InterCept's office is closed) for next business day delivery, and Customer
     shall Pack and deliver the defective Hardware to InterCept for repair.
     InterCept shall either repair the Hardware or replace it with equivalent
     Hardware at InterCept's discretion. Unless otherwise specified in any
     Related Agreement, InterCept will pay all freight charges for the delivery
     of Hardware and Customer will pay all freight charges for the return of
     Hardware.

(c)  Onsite Maintenance. If specified on any Related Agreement, InterCept shall
     ------------------
     provide on-site maintenance for the applicable Hardware during the hours as
     indicated on such Related Agreement.

(d)  Modifications. Maintenance services do not include modifications,
     -------------
     additional features, Or accessories purchased by Customer unless
     specifically added to the list of covered Hardware in writing. InterCept
     may increase the maintenance fee to cover such modifications, additional
     features, or accessories with 30 days prior written notice.

(e)  Hardware Not Support by InterCept. InterCept is not responsible for
     ---------------------------------
     Hardware supported by any third party or for any Hardware which InterCept
     has not expressly agreed to support or for which Customer has not paid the
     applicable maintenance fees.

(f)  Customer Obligations. Customer shall promptly notify InterCept of all
     --------------------
     problems with the Hardware, and shall, if applicable, provide assistance in
     identifying and detecting problems, errors, and malfunctions.  Customer
     agrees not to attempt any repair or maintenance of the Hardware during the
     term of this Agreement without the prior written consent of InterCept.

7.    Terms and Conditions Applicable to Software

7.1.  License Grant.  Subject to the restrictions and limitations of this
      -------------
Agreement and to payment of the fees set forth in any Related Agreement.
InterCept hereby grants to Customer a non-exclusive, non-transferable right and
license during the term of this Agreement to:

(a)  install and use the Software in accordance with the terms of any Related
     Agreement;

(b)  transfer the Software to a backup machine when the primary machine on which
     the Software is installed or licensed for use is temporarily inoperable or
     unusable, or to another machine for disaster recovery testing (which may
     occur concurrent with normal use of the Software), or for disaster testing,
     recovery, and processing;

(c)  make no more than 2 copies of the Software for testing, backup, and
     archival purposes in addition to the number of copies authorized by
     licenses granted;

(d)  use the Documentation in support of Customer's authorized use of the
     Software;

(e)  make a reasonable number of additional copies of the Licensed Products or
     portions thereof as required to support Customer's authorized or licensed
     use of the Software.

7.2.  Restrictions. Unless otherwise expressly agreed, all licenses are for the
      ------------
object code version of the applicable Software only. The Software may only be
used for Customer's own internal data processing needs and for processing the
data of its customers. Customer may not, without the prior written consent of
InterCept:

(a)  translate, reverse engineer, de-compile, interpret, or disassemble the
     Software;

(b)  transfer, distribute, sell, lease, or assign the Licensed Products;

(c)  use the Licensed Products to process accounts or records, or to generate
     output data, for the direct benefit of, or for purposes of rendering
     services to, any business entity or organization other than Customer,
     provided Customer shall not be prevented from processing its customer's
     accounts; or

(d)  make any Changes to the Software.

7.3.  Affiliates. Customer may not provide or use the Software for the benefit
      ----------
of Affiliates unless each such Affiliate has agreed to be bound by the terms and
conditions of this Agreement and Customer has obtained and paid the necessary
licenses and paid the appropriate license fees for such Affiliate.

7.4.  Use of Software. Customer agrees to comply with any operating instructions
      ---------------
for all Software in accordance with its Documentation.

7.5.  Scope of Software Maintenance. Unless otherwise specified in any Related
      -----------------------------
Agreement, InterCept shall

                                 Page 6 of 10                      CONFIDENTIAL
<PAGE>

provide the following maintenance and support Services for the Software:

(a)  Error Correction. InterCept shall insure that the Software operates in
     ----------------
     conformance with the specifications and program descriptions set forth in
     the associated Documentation. InterCept agrees, as its exclusive obligation
     hereunder, to use reasonable commercial efforts to correct reported defects
     in a timely manner based on the severity of the error and its effect on
     Customer's business or operations. Minor errors which do not materially
     affect Customer's business or operations or cause unreasonable disruption
     to Customer may be addressed in the next release of the Software. For some
     errors, InterCept may provide Customer with a reasonable procedure or "work
     around" to avoid the effects of the error until it can be addressed in the
     next release of the Software, provided that such procedure is not
     unreasonably burdensome on Customer or its employees.

(b)  Telephone Support. InterCept will provide remote telephone support for the
     -----------------
     Software during regular business hours excluding banking holidays.
     Telephone support shall include (i) diagnosing errors in the Software and
     malfunctions caused by operator error, (n) advising Customer of corrective
     measures, and (iii) clarifying operating instructions contained in the
     Documentation.

(c)  New Releases. InterCept shall provide Customer with all now releases,
     ------------
     versions, error corrections, patches, and fixes for the Software which
     InterCept provides to its customers who have contracted for maintenance
     services for such Software generally. InterCept shall provide reasonable
     telephone assistance to help Customer install and operate each release.
     InterCept reserves the right to charge additional fees to all maintenance
     customers for any new or additional product, or for new or additional
     versions of the Software which introduce significant new functionality or
     changes in the technology used, provided, or relied on.

(d)  Prior Releases. InterCept shall only provide maintenance and support
     --------------
     services hereunder for the then current release of the Software and for the
     previous release of the Software for three months following the provision
     of the newest release to Customer. Thereafter, InterCept may in its sole
     discretion agree to provide support for older releases, but reserves the
     right to charge Customer at its time and materials rates for such support.

7.6.  Customer Cooperation Customer shall promptly notify InterCept of all
      --------------------
problems with the Software, and shall, if applicable, provide assistance in
identifying and detecting problems, errors, and malfunctions. As requested by
InterCept, Customer shall provide data and information regarding all errors with
sufficient detail and supporting documentation to enable InterCept to diagnose,
and if necessary, recreate the problem, error, or malfunction. If applicable,
Customer agrees to maintain dial in access to the Software for remote access and
diagnosis purposes. InterCept agrees not to use such dial in line for any other
reason without Customer's consent.

7.7.  Limitations. Software maintenance shall not cover malfunctions and errors
      -----------
caused by (i) unreported defects, (ii) misuse or abuse of the Software, (iii)
Customer's failure to backup the system, (iv) use of the Software with hardware
or software other than that approved by InterCept for use with the Software, or
(v) Changes made by Customer which are not provided to InterCept or which are
not developed in consultation with InterCept and which are not compatible with
subsequent Releases of the Software.  Maintenance does not include on-site
service or the installation of any Software or Hardware. If Customer requests
on-site assistance, InterCept may provide such support and bill Customer at then
current time and materials rates for such services.

7.8.  Delivery. The licenses granted to Customer under Section 7.1 shall become
      --------
immediately effective upon the delivery of the Software, and shall not be
delayed or contingent based on installation, operation, or the delivery or
completion of any services.

7.9.  Records. Customer agrees to maintain a record of the number and location
      -------
of all copies of the Licensed Products in its possession. Customer shall provide
InterCept with a copy of such record upon InterCept's written request. Following
prior written notice, InterCept or its designee shall have the right to enter
Customer's premises during regular business hours in a non-disruptive manner for
the purpose of inspecting the location and use of the Licensed Products, the
compliance of Customer with the provisions of this Agreement, and the standard
procedures of Customer regarding retention, safekeeping, and disposal of all
media and materials pertaining thereto.

8.   Warranties

8.1.  Service Warranty. InterCept shall perform all services which it agrees to
      ----------------
perform pursuant to this Agreement and any Related Agreement in a workmanlike
manner consistent with industry standards.  If InterCept breaches such warranty,
its sole obligation shall be to re-perform the services in question promptly and
properly.

8.2.  Year 2000 Warranty. InterCept has tested all of its products and services
      ------------------
to verify compliance with year 2000 standards in accordance with the FFIEC Year
2000 Management Awareness publication dated May 5, 1997. InterCept warrants that
all products and services provided by InterCept hereunder, including all
software but not including third party hardware or software, shall operate in
accordance with this Agreement and all warranties provided hereunder on dates
occurring on and after January 1, 2000, and on all other critical dates
identified by Customer's primary regulatory agencies, to the same extent that it
operates prior to such date and without errors caused by such dates. InterCept
is not responsible for any errors caused by improperly formatted or corrupted
data received from or generated by Customer or any third party or any third
party product interfaced to InterCept's products or services.

8.3.  Hardware. Customer acknowledges that any Hardware sold or leased hereunder
      --------
is produced by independent manufacturers. InterCept shall not be responsible for
design or manufacturing defects, which shall be the sole responsibility of the
manufacturer. If available, Hardware warranties will be those provided directly
by the original

                                 Page 7 of 10                      CONFIDENTIAL
<PAGE>

manufacturer. InterCept's liability to the Customer resulting from the
performance of maintenance services is strictly limited to the return of
Hardware to good operating condition and the repair of damaged or defective
parts. Notwithstanding the foregoing, or section 6 above, InterCept shall not be
responsible for repair, replacement or maintenance of Hardware due to damage
caused by fire, water, lightening, power surge, other casualty, Acts of God,
customer negligence, abuse or neglect, or the act or omission of any third
party. The manufacturers of the Hardware have represented to InterCept that the
Hardware is Year 2000 compliant. However, InterCept makes no representation or
warranty whatsoever as to such compliance.

8.4.  Software. InterCept warrants for 90 days following implementation, that
      --------
the Software shall conform in all material respects with any program
descriptions included in the associated Documentation and any written marketing
materials provided by InterCept to Customer relating to such Software, and that
the Software will operate on and in conjunction with the hardware provided by or
specified by InterCept for use with such Software. InterCept does not warrant
that the Software will operate without interruption or be error-free. In the
event Customer discovers any non-conformance by the Software with the above
warranty (a "defect"), Customer agrees to provide InterCept notice of such
defect, and shall, upon InterCept's request provide such data and information
regarding the defect as InterCept may require to recreate the defect. InterCept
agrees, as its exclusive obligation for any breach of such warranty, to use its
best efforts to correct reported defects. InterCept shall not be responsible for
(i) unreported defects, (ii) defects caused by misuse or abuse of the Software,
(iii) defects caused by use of the Software with hardware or software other than
that approved by InterCept for use with the Software, or for (iv) Changes made
other than by or with the express written authority of InterCept. Customer shall
be limited to the warranties provided by third-party licensors or manufacturers
with respect to third-party software or equipment that may be provided by
InterCept. Following the 90 day warranty, Customer's recourse for failure and
malfunctions of the Software shall be limited to the services and remedies
provided under any software maintenance agreement then in effect.

8.5.  DISCLAIMER. EXCEPT AS PROVIDED IN THIS AGREEMENT AND ANY RELATED
      ----------
AGREEMENTS, INTERCEPT SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES OF ANY KIND,
EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LMUTED TO, ANY WARRANTIES OF
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

8.6.  LIMITATION OF LIABILITY. IN NO EVENT SHALL INTERCEPT BE LIABLE FOR ANY
      -----------------------
SPECIAL, INDIRECT INCIDENTAL OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE, OR
INABILITY TO USE, ANY PRODUCTS PROVIDED OR LICENSED TO CUSTOMER HEREUNDER, FOR
ANY FAILURE TO PROVIDE SERVICES, FOR ANY ERROR IN THE PROVISION OF PRODUCTS OR
SERVICES TO CUSTOMER UNDER THIS AGREEMENT, OR ARISING OUT OF ANY OTHER
CIRCUMSTANCES ASSOCIATED WITH THE SUBJECT MATTER OF THIS AGREEMENT, INCLUDING
WITHOUT LIMITATION DAMAGES BASED ON LOSS OF PROFIT, LOSS OR INTERRUPTION OF DATA
OR COMPUTER TIME, OR ALTERATION OR ERRONEOUS TRANSMISSION OF DATA, EVEN IF
INTERCEPT IS ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.

8.7.  LIABILITY CAP. INTERCEPT'S TOTAL LIABILITY TO CUSTOMER UNDER ANY PROVISION
      -------------
OF THIS AGREEMENT OR ANY RELATED AGREEMENT (WHETHER BASED ON TORT, CONTRACT, OR
ANY OTHER THEORY), OTHER THAN CLAIMS BASED UPON THE GROSS NEGLIGENCE OR WILLFUL
MISCONDUCT OF INTERCEPT, SHALL BE LIMITED TO THE AMOUNT ACTUALLY PAID BY
CUSTOMER FOR THE PRODUCT OR SERVICE GIVING RISE TO THE LIABILITY WITH RESPECT TO
PRODUCTS AND SERVICES FOR WHICH CUSTOMER PAYS MONTHLY OR PERIODICALLY,
INTERCEPT'S LIABILITY SHALL BE LIMITED TO THE AMOUNT PAID BY CUSTOMER FOR SUCH
PRODUCTS OR SERVICES IN THE 12 MONTH PERIOD IMMEDIATELY PRECEDING THE FACT OR
CIRCUMSTANCE GIVING RISE TO SUCH LIABUITY. ALL DAMAGES SHALL BE REDUCED BY ANY
AMOUNT RECEIVEID BY CUSTOMER UNDER ANY INSURANCE POLICY COVERING THE EVENT
GIVING RISE TO THE LIABILITY. THE PARTIES ACKNOWLEDGE THAT EACH OF THEM RELIED
UPON THE INCLUSION OF THIS LIMITATION IN CONSIDERATION OF ENTERING INTO THIS
AGREEMENT.

8.8.  Third Party Products and Services. Unless otherwise expressly agreed,
      ---------------------------------
InterCept shall not be responsible for, does not warrant, and no warranties made
hereunder or under any Related Agreement shall apply to, any product or service,
including but not limited to hardware, software, or equipment, manufactured or
provided by any third party. The provision of all such third party products and
services shall be subject to the terms and conditions provided by such third
party to Customer, if any. Except as otherwise expressly agreed with Customer,
InterCept shall not under any circumstances be responsible for any products or
services provided by any third party, including but not limited to transmission
or communication errors, use or failure of hardware or equipment, use or failure
of software, failure of delivery or courier services, or for any act, error,
omission, or circumstance beyond InterCept's reasonable control.

9.   Confidentiality. Each Party agrees at all times to maintain the complete
confidentiality of the Confidential Information of the other. Neither Party
shall permit or authorize access to, or disclosure of, the Confidential
Information of the other to any person or entity other than its employees or
advisors who have a "need to know" such information in order to enable such
Party to exercise its rights or perform its obligations under this Agreement.
Neither Party shall disclose or supply the Confidential Information of the other
to any non-employee third party without the prior written approval of the other
Party, which approval shall not be unreasonably withheld, provided the
requesting Party can demonstrate a need for such disclosure in order to comply
with its obligations hereunder.

                                 Page 8 of 10                      CONFIDENTIAL
<PAGE>

Notwithstanding the foregoing, each Party may provide Confidential Information
of the other to its Affiliates, contractors, and third party service or product
suppliers to the extent reasonably necessary to provide or take advantage of the
services to be provided to Customer hereunder, provided that such third party is
advised of the disclosing Party's obligations of confidentiality hereunder, and
the disclosing Party agrees that it shall remain primarily responsible for any
misuse of such Confidential Information by such third party. Either Party may
disclose portions of the Confidential Information of the other to the extent
such disclosure is required by any rule, law, regulation, court, court order, or
government or quasi-government agency, provided the Party required to make such
disclosure notifies the other Party of the applicable legal requirements before
such disclosure occurs and assists the other Party to obtain such protection as
may be available to preserve the confidentiality of such information.

9.1.  Privacy of Consumer Financial Information. In accordance with the privacy
      -----------------------------------------
and security requirements of the Gramm-Leach-Bliley Act, 15 U.S.C. (S) 6801 et
seq. and corresponding regulations, InterCept shall not disclose or use
Confidential Consumer Information other than to carry out the purposes for which
the Customer or its Affiliate disclosed, or authorized or caused the disclosure
of, the information, including use or disclosure under an exception permitted
under 12 C.F.R. (S)(S) 40.14 & 40.15, or as otherwise required by law. InterCept
shall treat all Confidential Consumer Information with the same degree of care
it accords to Nonpublic Personal Information supplied by others and will
exercise reasonable care to prevent the inadvertent disclosure of such
Confidential Consumer Information. "Confidential Consumer Information" shall
mean any and all Nonpublic Personal Information (as defined by 12 C.F.R. (S)
40.3 (n)) provided by the Customer or any of its Affiliates (as defined by 12
C.F.R. (S) 40.d (a)), regardless of the form in which such information is
disclosed to InterCept by or on behalf of the Customer or any such Affiliate.
Customer shall be responsible for establishing and providing to its customers a
statement of Customer's policies and practices with respect to the disclosure
and protection of such nonpublic personal information.

10.    Title. All user manuals, Documentation, and Software products supplied by
InterCept and not identified as third party works are (i) copyrighted works
protected by copyright laws, treaties, and conventions of the United States and
(ii) contain trade secrets and Confidential Information of InterCept protected
under applicable law of the United States. InterCept retains all right, title,
and interest in and to all such products, and all copyright, trade secret,
patent and other intellectual property rights contained therein, subject only to
the limited license granted to Customer in this Agreement or any Related
Agreement. InterCept shall also exclusively own all changes, modifications, and
additions to all such products, whether made by or on behalf of InterCept
Customer, or their employees, agents or otherwise.  To the extent that Changes,
including all associated intellectual property rights, are not owned in their
entirety by InterCept immediately upon their creation, Customer agrees to assign
(and hereby automatically assigns) all right, title, and interest therein to
InterCept, without any requirement of consideration or further documentation.
Customer agrees to take such further action and execute such further
documentation as InterCept may reasonably request to give effect to this
Section.

11.    Patent and Copyright Indemnity

11.1.  Warranty. InterCept warrants that it owns or has all necessary rights in
       --------
all intellectual property necessary to grant Customer the right to use any
products or services provided by InterCept to Customer.

11.2.  Infringement Claims. If a third party claims that any product or service
       -------------------
provided by InterCept to Customer infringes upon any patent, copyright, trade
secret, or similar intellectual property right of any third party, and such
claim would impair Customer's right to use such product or service under this
Agreement InterCept shall (as long as Customer is not in default under this
Agreement or any other agreement with InterCept) defend Customer against that
claim at InterCept's expense and pay all damages awarded by a court in a final
judgment, provided that Customer (i) promptly notifies InterCept in writing of
any such claim, (ii) allows InterCept to control the defense and disposition of
such claim, including any related settlement negotiations, and (iii) cooperates
with InterCept, at InterCept's expense, in the defense of such claim.

11.3.  Remedies. If such a claim is made or appears possible, InterCept shall,
       --------
at its option, either (i) secure for Customer the right to continue to use the
product or service in question, or (ii) modify or replace the product or service
Software so it is non-infringing, but continues to provide the functionality
which Customer contracted for. If InterCept cannot do either of the foregoing
after reasonable effort, InterCept may refund a pro-rata portion of the fees
paid for the infringing material.

11.4.  Exclusions. InterCept shall have no liability or obligation hereunder to
       ----------
the extent that any infringement is caused by or attributable to any
modification, addition, or change to any product or service by anyone other than
InterCept, or the combination, operation, or use of any software or other
product or service with any hardware or software not approved in writing by
InterCept. THIS SECTION STATES INTERCEPT'S ENTIRE OBLIGATION TO CUSTOMER WITH
RESPECT TO MATTERS OF TITLE OR ANY CLAIM OF INFRINGEMENT THEREOF.

12.    Dispute Resolution and Arbitration

12.1.  Dispute Resolution. In the event of any claim, controversy, or dispute
       ------------------
between Customer and InterCept regarding this Agreement or any products or
services to be provided by InterCept hereunder, the parties agree to negotiate
in good faith toward resolution of the issue, and to escalate the dispute to
senior management personnel in the event that the dispute cannot be resolved at
the operational level. Disputes which cannot be resolved shall be submitted to
binding arbitration under the following section.

12.2.  Arbitration. If the parties cannot resolve any claim, controversy, or
       -----------
dispute through good faith negotiation, including any dispute regarding the
validity, construction, or enforcement of this Agreement, either Party may
demand

                                 Page 9 of 10                      CONFIDENTIAL
<PAGE>

that such matter be submitted to final and binding arbitration. The site
of all arbitration proceedings shall be Atlanta, Georgia, unless InterCept and
Customer agree in writing to another site. Issuance of an arbitration demand
shall suspend the effect of any default entailed by such claim, controversy, or
dispute and any judicial or administrative proceedings instituted in connection
therewith, for the duration of the arbitration proceedings. Arbitration shall be
governed by the commercial rules of the American Arbitration Association (the
"AAA"). Arbitration shall be conducted by one arbitrator who shall be chosen by
the AAA. The arbitrator or arbitrators shall determine whether a default has
occurred, and shall deliver a decision specifying such remedy (including money
damages) as shall (a) fully implement the intent and purposes of this Agreement
and any Related Agreement (b) indemnify and hold harmless the non-breaching
Party from all losses, costs, and expenses (including costs of arbitration and
reasonable attorneys' fees) resulting from the default. Termination or
limitation of either Party's rights in its software, hardware, or Confidential
Information, or any associated intellectual property rights, may not be awarded
under any circumstances. The right to demand arbitration and to receive damages
and obtain other available remedies as provided hereunder shall be the exclusive
remedy in the event an arbitration demand is made, except that each Party shall
be entitled to obtain equitable relief, such as injunctive relief, from any
court of competent jurisdiction in order to protect its rights in its hardware,
software, trade secrets, documentation, Confidential Information, or any
associated intellectual property rights while such proceeding is pending or in
support of any award made pursuant to such arbitration. InterCept and Customer
hereby consent to the enforcement in the courts of the United States of any
arbitral judgment or award rendered pursuant to this Section.

13.    General

13.1.  Good Faith. Each Party agrees to perform its obligations as set forth in
       ----------
this Agreement in good faith and in a prompt and reasonable manner.  All
objections and complaints shall be made in good faith, and the parties agree to
work together to resolve a issue and disputes within the framework and according
to the terms of this Agreement.

13.2.  Notice. All notices, requests, and other communications required or
       ------
permitted to be given or delivered hereunder to either Party must be in writing,
and shall be personally delivered, sent by certified or registered mail, postage
prepaid and addressed, by overnight courier such as FedEx, by fax, or by email
to such Party at the address shown on the first page of this Agreement, or at
such other address as has been furnished by notice given in compliance with this
section.  All notices, requests, and other communications shall be deemed to
have been given upon delivery as evidenced by return receipt, courier records,
or fax confirmation.

13.3.  Assignment. Neither Party may assign, transfer, or delegate its rights or
       ----------
obligations hereunder without the other Party's prior written consent except
that this Agreement may be assigned without consent to any successor in interest
to all or substantially all of the business or assets of the assigning Party.

13.4.  Waiver. The failure of either Party to enforce any term of this Agreement
       ------
shall not constitute a waiver of either Party's right to enforce every term of
this Agreement.

13.5.  Enforcement. If either Party brings an action under this Agreement
       -----------
(including appeal), the prevailing Party shall be entitled to recover reasonable
attorneys' fees and costs.

13.6.  Indemnification. Subject to Section 8, InterCept and customer shall
       ---------------
indemnify and hold harmless the other Party against all claims, liabilities,
losses, damages, and causes of action relating to (i) personal injury or
property damage arising out the intentional or negligent acts or omissions of
the Party in the course of performance under this Agreement or any Related
Agreement and (ii) the provision of intellectual property under this Agreement
or any Related Agreement.

13.7.  Severability. If any provision of this Agreement be held by a court of
       ------------
competent jurisdiction or arbitration authority to be unenforceable, the
remaining provisions of this Agreement shall not be affected or impaired
thereby.

13.8  Choice of Law. THIS AGREEMENT SHALL BE GOVERNED BY THE LAWS OF THE STATE
      -------------
OF GEORGIA WITHOUT REGARD TO ITS CHOICE OF LAW RULES.

13.9  Force Majeure. Neither Party shall be in default for failing to perform
      -------------
under this Agreement (other than a failure to make payment when due or to comply
with restrictions upon the use of the products and services) if such failure
arises out of any act, event or circumstance beyond the reasonable control of
such Party, whether or not predicted or foreseeable. The Party so affected will
resume performance as soon as reasonably possible.

13.10  Headings and Caption. The headings and captions of this Agreement are
       --------------------
inserted only as a matter of convenience and in no way limit the scope or affect
the meaning of any section.

13.11  Employees. Neither Party shall hire or solicit for hire or engage as an
       ---------
independent contractor any employee of the other during the term of and for one
year after the termination of this Agreement, without the express written
consent of the other Party.

13.12  Amendment; Conflict. This Agreement constitutes the entire agreement
       -------------------
between the Parties and may not be modified or amended except in writing signed
by both Parties. All Related Agreements are incorporated into and made part of
this Agreement and are subject to the general terms and conditions herein. In
the event that these general terms and conditions conflict with any term or
condition set forth in any Related. Agreement, the term or condition set forth
herein shall control unless otherwise specified by the Parties.

13.13  Counterparts. This Agreement may be executed in one or more counterparts,
       ------------
each of which shall be deemed an original, and which when taken together shall
constitute one complete instrument.

                               Page 10 of 10                        CONFIDENTIAL
<PAGE>

                        DATA PROCESSING SERVICES ORDER

InterCept agrees to provide Customer with the following Data Processing
Services. The following terms and conditions are in addition to the terms and
conditions of the Master Agreement and General Terms and Conditions attached
thereto. The Parties agree that this Order is incorporated into and made part of
the Master Agreement, and is subject to the General Terms and Conditions
contained therein. In the event that these terms and conditions conflict with
any term or condition set forth in the Master Agreement, the term or condition
set forth in the Master Agreement shall control unless otherwise specified in
writing by the Parties.

                                      ***

                         Data Processing Services Order

This Data Processing Services Order is effective upon execution by both parties.
The term of this Order is 60 months (5 years), which shall commence upon the
date indicated below (the "Term Commencement Date"):

 [X]  Date of five conversion

 [ ]  Date of renewal of an existing Data Processing Services Order
 [ ]  Date specified by the Parties:
                                    ----------------

The term of this Order shall be extended automatically for additional terms
unless, at least 180 days prior to such automatic extension, either party shall
deliver written notice upon the other of its intention that such Processing
Services shall not be so extended, in which case the Data Processing Services
shall continue through the remaining term but shall not be extended absent
written agreement by both Parties.

The attached Data Processing Proposal contains a description of Fees and
Services.

1.  Definitions.  Capitalized terms shall have the following meanings.
Capitalized terms used but not otherwise defined herein shall have the meanings
given to them in the General Terms and Conditions.

1.1  "InterCept System" means the hardware and InterCept software used by
      ----------------
InterCept to provide the Processing Services hereunder.

1.2  "Processing Services" means the bank and account processing and other
      -------------------
services to be provided by InterCept hereunder and identified on the description
of services attachment.

2.  Services.

2.1  Data Processing. InterCept agrees to furnish to Customer and Customer
     ---------------
agrees to obtain from InterCept the Processing Services for the term set forth
herein. Customer may obtain additional products and services offered by
InterCept at InterCept's then current prices for such services.

2.2  Data Retention.  InterCept shall retain data for 60 days following
     --------------
processing, and may destroy all data thereafter, or as otherwise mandated by
regulatory guidelines and requirements.

6.2  Fees.  Customer agrees to pay the fees for such services as set forth
     ----
herein.

3.  Data Conversion and Transmission.

3.1  Data Conversion.  Prior to the date that services are to commence,
     ---------------
InterCept shall provide the programming and mapping required to convert
Customer's account and other data into a format compatible with the InterCept
System.  Customer agrees to cooperate with InterCept as reasonably necessary for
InterCept to complete the conversion process.  Among other things, Customer
shall deliver conversion input information, in its entirety, in a mutually
acceptable medium, as and when the parties agree.

3.2  Data Review.  InterCept shall notify Customer upon the completion of data
     -----------
conversion.  Customer agrees to review and check the converted data within 10
days following such notice and provision of the data files to Customer.
InterCept reserves the right to postpone conversion of Customer's information
files if Customer is late in delivering its conversion input information or if
any other circumstances arise that might jeopardize the successful completion of
Customer's information conversion or the processing of the following days
transactions for any other customers of InterCept.

3.3  Data Transmission.  Customer shall provide all data for input to the
     -----------------
InterCept System for processing in a format and manner, and within the required
time frame, for proper overnight processing.  Customer shall determine and be
responsible for the authenticity and accuracy of all information and data
submitted to InterCept, and for confirming the accuracy of data and reports
received from

                        Page 1 of 5                                 CONFIDENTIAL
<PAGE>

InterCept. Customer shall review all reports furnished by InterCept within 5
days for accuracy, shall notify InterCept of all discrepancies or out of balance
reports, and work with InterCept to reconcile any out of balance conditions. If
data is to be transmitted from multiple sources, InterCept will not begin
processing until all data has been received. The Customer is also responsible
for retention and backup of all data and processing records provided by
InterCept.

4.  Source Code.  InterCept will deposit the most current version of the source
code for the Software with an independent escrow agent. In the event that
InterCept (i) ceases to do business; (ii) makes a composition or assignment for
the benefit of creditors; (iii) becomes bankrupt or insolvent; or (iv) is found
subject to any provisions of the bankruptcy code concerning involuntary
bankruptcy or similar proceeding, Customer shall have the right to obtain, for
its own sole and exclusive use for the sole purpose of maintaining and
supporting the Software, with no right of transfer, a single copy of such source
code from the escrow agent upon payment of $100.00, plus actual duplication and
shipping costs, and subject to the terms of this Order.

5.  Disaster Recovery.  InterCept has in place a disaster recovery plan designed
to minimize, but not eliminate, risks associated with a disaster affecting the
InterCept System and the Processing Services. InterCept does not warrant that
service will be uninterrupted or error free in the event of a disaster. Customer
is responsible for adopting a disaster recovery plan relating to disaster's
affecting Customer's facilities and for securing business interruption insurance
or other insurance necessary for Customer's protection. InterCept shall maintain
adequate backup procedures including storage of duplicate record files as
necessary to reproduce Customer's records and data.  In the event of a service
disruption due to reasons beyond InterCept's control, InterCept shall use
diligent efforts to mitigate the effects of such an occurrence.  Per section
2.5.c of the Master Agreement, Customer may review InterCept's disaster recovery
plan. InterCept shall provide to Customer a copy of the results from the most
recent test of the disaster recovery plan upon request.

6.  Service Performance Standards.

6.1 Percentage Up Time.  InterCept shall ensure that the InterCept System and
    ------------------
the Processing Services are available for daily processing tasks 98% of the time
each month during regular hours of operation as set forth below.  InterCept will
also be responsible for ensuring the InterCept System has a reasonable end user
response time.

6.2  Hours of Operation.
     ------------------

(a)  The System will be staffed 8:00 a.m. to 8:30 p.m. Eastern Standard Time,
     Monday through Friday.  The System will not be attended on Saturdays,
     Sundays, or on the holidays observed by the Federal Reserve Bank, including
     the following:

     New Year's Day                President's Day
     Martin Luther King Day        Thanksgiving Day
     Memorial Day                  Christmas Day
     Independence Day              Columbus Day
     Labor Day                     Veteran's Day

(b)  InterCept shall ensure that stand-by paging service will be available to
     Customer at all other times.

(c)  Other than during nightly batch processing and required system maintenance,
     InterCept agrees to provide on-line access 24 hours a day, 7 days a week.

6.3  Extension of Hours.  InterCept will use its best efforts to accommodate
     ------------------
requests for exceptions or extensions of the hours of operation.  These hours
may be modified based on dependencies with reporting files required to be sent
to other servicing organizations.

6.4  Exclusions.  InterCept shall not be responsible for (i) telecommunications
     ----------
failures, (ii) service interruptions beyond InterCept's control, (iii) delay or
failure of any third party courier or delivery service, or (iv) failure of any
third party vendor to deliver information, files, magnetic media, products,
support or services, or other materials required for InterCept to provide
services hereunder.

6.5  Service Performance and Standards Remedy.  Notwithstanding section 4.2 of
     ----------------------------------------
the Master Agreement, InterCept and Customer agree that the following provision
represents the Customer's sole and exclusive remedy for InterCept's failure to
meet any service performance standard.

If InterCept or the InterCept System fails to meet the percentage up-time and
performance standards specified above and such failure is not the result of a
Customer error or omission, any act, failure or omission of any third party, or
any other circumstance beyond InterCept's control, Customer shall notify
InterCept immediately in writing specifying the performance standard(s) not met
and the nature of the deficiency.  Within 15 days of receipt of such notice,
InterCept shall establish and provide Customer in writing with an action plan to
meet the service performance standard(s).  Upon expiration of such 15-day
period, InterCept shall have 30 days to bring its performance to the
percentage/standard specified in the relevant service performance standard.
InterCept shall report the nature and status of its efforts at the end of such
period.  Should InterCept's performance remain below the applicable standard
after such 30-day period, InterCept shall have an additional 60 days to correct
the situation and bring the affected performance up to the standard.  During
this period, Customer will be provided with a 15% reduction in the monthly
InterCept invoice for each month that the performance standard(s) remain
deficient.  Should InterCept's performance remain below the service standards
following all such periods, Customer may elect to either (i) provide InterCept
with additional time to improve the affected standard, during which time
Customer will receive

                        Page 2 of 5                                 CONFIDENTIAL
<PAGE>

a 15% reduction in the monthly InterCept invoice, or (ii) terminate the service
agreement by giving InterCept written notice of termination. Such termination
shall be without penalty or any charge to Customer other than charges for
service fees incurred prior to the effective date of termination.

6.6  Time Schedules.  Customer and InterCept shall establish a mutually
     --------------
agreeable time schedule for the receipt and delivery of work.  Customer
acknowledges that such time schedule will be constrained by limitations outside
of InterCept's control such as but not limited to the courier service provided
by the customer, Federal Reserve cutoff times, the Customer's account processing
deadline requirements, the quantity and quality of the Customer's transactions,
and the backup and maintenance of the InterCept System.

7.  Problem Reporting and Resolution.

7.1  Problem Reporting.  Customer is responsible for reporting problems to
     -----------------
InterCept's customer service or operations staff at the contact numbers or
addresses provided by InterCept from time to time.

7.2  Problem Response.  InterCept shall respond to each reported problem
     ----------------
promptly based on the severity of the problem and its effect on Customer's
operations.  InterCept shall use reasonable commercial efforts to either resolve
each problem or provide Customer with information to allow Customer's personnel
to address the problem.  In the event the resolution of a reported problem which
materially impacts Customer's operations will carry-over to the next business
day, InterCept will provide Customer with a staus report for the problem and an
estimate of the resolution time and course, if possible.

8.  Insurance.  InterCept shall maintain fidelity bond coverage for dishonest
acts committed by InterCept's personnel.  InterCept shall maintain insurance
covering hazards, including losses caused by fire, disaster, and other events
that may interrupt normal service.  InterCept shall maintain insurance covering
Errors and Omissions.  Such coverage's shall be in amounts as determined by
InterCept.  Upon request, InterCept shall furnish Customer with applicable
certificates of insurance.

9.  Third Party Audit.  InterCept shall provide to Customer a copy of any third
party service audits of the records of InterCept upon request and payment by
Customer of a reasonable and customary charge.  If requested, InterCept shall
also provide to Customer annual audited financial information regarding the
Customer at no charge.

10.  Termination.  Notwithstanding sections 4.2 and 4.3 of the Master Agreement,
InterCept and Customer agree as follows:

10.1  Termination by Customer.
      -----------------------

   (a)  Customer may terminate this Order at any time upon 30 days written
notice accompanied by a cancellation fee.  If Customer pays for the Processing
Services on a monthly basis, then such cancellation fee shall be 80% of the
average monthly fee for such service invoiced to or due from Customer for the
previous six months (or for all prior months if this Order has been in effect or
InterCept has been providing the Processing Services for less than six months)
multiplied by the number of months remaining in the then current term.  If the
payment period is quarterly, then the cancellation fee shall be 80% of the
average of the two previous quarterly payments multiplied by the number of
payment periods remaining.  If the payment period is annual, then the fee shall
be 80% of the previous annual fee multiplied by the number of payment periods
remaining, including partial periods.  In addition to the cancellation fee,
Customer shall pay immediately all previously invoiced and overdue amounts.

  (b)  Customer may terminate this Order upon the occurrence of any of the
following (i) InterCept's material breach of any provision of this Order if
InterCept has not cured or initiated adequate steps to cure such breach or
failure within 30 days following written notice of such breach or failure to
InterCept; or (ii) InterCept ceases to do business, makes a composition or
assignment for the benefit of creditors, becomes bankrupt or insolvent, or is
found subject to any provisions of the bankruptcy code concerning involuntary
bankruptcy or similar proceeding.  If any breach or failure materially affects
Customer's ability to conduct its operations in accordance with safe and sound
banking practices or materially affects Customer's ability to service its
customers, then such notice period shall be shortened to 10 business days.
Termination may be immediate or at a future date to allow for a conversion to an
alternate product or service provider.  In no event shall InterCept be
responsible for Customer's costs associated with identification, selection,
engagement, or implementation of a replacement vendor.

10.2  Termination by InterCept.  InterCept may terminate this Order upon the
      ------------------------
occurrence of any of the following:  (i) 180 days written notice at the end of
the term as set forth in this Order; (ii) Customer's material breach of any
provision of this Order if the Customer has not cured or initiated adequate
steps to cure such breach or failure within 30 days following written notice of
such breach or failure to Customer; or (iii) Customer fails to pay any fee or
charge when due.  Customer agrees to pay the cancellation fee set forth in
section 10.1 if this Order is terminated pursuant to (ii) or (iii) above.

11.  Communications.

11.1  Responsibility.  Customer shall bear all risk of loss or damage to items,
      --------------
records, other input data, or Reports and other output data during communication
or delivery of such data between the Customer's office and the InterCept System.
Customer shall be responsible for and shall pay all charges related to
communications between Customer and the InterCept System.

                        Page 3 of 5                                 CONFIDENTIAL
<PAGE>

11.2  Equipment Compatibility.  Customer agrees that it is responsible for all
      -----------------------
communications between Customer and the InterCept System. When communicating
with, or transferring data to, or receiving data from, the InterCept System,
Customer shall, at its own cost and expense, use and maintain only such
terminals, modems and other hardware, firmware and software (herein collectively
referred to as the "Equipment") as may be compatible with the systems and
communications networks of the InterCept System.  The Customer's Equipment must
be completely compatible with the systems and communications networks of the
InterCept System and, if requested by InterCept, Customer shall be responsible
for providing sufficient information about the Equipment to InterCept and for
performing adequate tests to demonstrate that the Equipment is in good working
order and completely compatible with the systems and communications networks of
the InterCept System.

11.3  Establishing and Maintaining Communications.  Unless otherwise agreed by
      -------------------------------------------
the parties, InterCept shall schedule and arrange for the communications
services, including communications equipment installation, with the
communication provider. Customer shall be responsible for paying all charges
imposed by the provider of the communications equipment, such as the telephone
company, for the Equipment installation, as well as for any charges for
additional connections or changes to locations or future services. InterCept
shall not be responsible for the reliability or continued availability of the
telephone lines, communications facilities, or electrical power used by Customer
in utilizing the Processing Services provided by InterCept hereunder.  InterCept
will cooperate with communications vendors as appropriate so that communications
between Customer and the InterCept System function properly.

11.4 Communications Network Security. Customer will have installed a Microsoft
------------------------------------
NT and Frame Relay based network, which may be provided by InterCept under
separate contract or may be provided by the Customer. Customer is responsible
for all physical security of Equipment and communication lines at Customer
facilities. Customer is responsible for creating and maintaining all applicable
policies and procedures relating to security such as requiring authentication
that limits access to authorized users only. Customer is responsible for
creating and maintaining all Microsoft NT system logons as well as monitoring
those logons through audit capabilities as provided by Microsoft. Customer is
responsible for creating and maintaining all InterCept PC BancPAC application
logons as well as monitoring those logons through audit capabilities as provided
by PC BancPAC. InterCept is responsible for all physical and systems security
for equipment and communication lines located in their facilities.

12.  Deconversion.  Upon Customer's request, InterCept shall furnish one test
set and one live set of Customer's data files as of the date specified by the
Customer in InterCept's standard machine readable format form along with such
information as is reasonable and customary to enable Customer to deconvert from
the InterCept System.  Requests for media or format other than that stated above
may be available for additional charges.  Customer files will be delivered
provided that Customer consents, agrees, and authorizes InterCept to retain
Customer's files until (i) InterCept has been paid in full for all fees for all
services provided hereunder through the date such files are returned to
Customer, and InterCept has been paid any and all other amounts that are due or
will become due under this Order, including, but not limited to, data
communication lease obligations, if any; (ii) InterCept has been paid its then
current time and materials rates for de-conversion assistance, which is equal to
the greater of $10,000 or the two month fee for Data Processing Services as set
forth herein, (iii) if this Order is being terminated, InterCept has been paid
any applicable termination and cancellation fee pursuant to this Order or Master
Agreement, and (iv) Customer has returned to InterCept all InterCept
Confidential Information requested by InterCept.  Upon Customer's approval,
InterCept shall be permitted to destroy customer's files and data any time after
60 days from the final use of such files for processing.

                        Page 4 of 5                                 CONFIDENTIAL
<PAGE>

Each of InterCept and Customer has agreed to these terms and conditions as of
the date set forth below:

Customer:                                     The InterCept Group, Inc.:

By:  /s/  Ronnie Austin                       By: /s/ Todd Shiver
   --------------------                          ----------------
Ronnie Austin                                 Todd Shiver
-----------------------                       -------------------
Print Name                                    Print Name

President                                     Vice President
-----------------------                       -------------------
Print Title                                   Print Title

12-17-01                                      12/17/01
-----------------------                       -------------------
Date                                          Date

                        Page 5 of 5                                 CONFIDENTIAL
<PAGE>

                          DATA PROCESSING PROPOSAL FOR
                          United Commercial Bank - 10
                                  Atlanta, GA
                                    12/12/01
<TABLE>
<CAPTION>

------------------------------------------------------------------------------------------
Description                                                        Qty    List      Ext.
==========================================================================================
<S>                                                                <C>  <C>       <C>

Initial Investment
==========================================================================================
BancPac Implementation Management, Parameter Setup and Training      1   $10,000   $10,000
IPS Fixed Asset Software Single User                                 1   $ 1,500   $ 1,500
                                                                                   -------
Total Initial Investment                                                           $11,500
                                                                                   =======

Monthly Data Processing Fee
==========================================================================================
Monthly Per Account Fee                                              -   $ 0.410   $     -
Includes DDA, Savings, CD's, Loans, GL, Safety Deposit Box

Monthly Per CIF Record Fee                                           -   $ 0.205   $     -

Total Monthly Data Processing Fee
                                                                                   -------
                                                                                   $     -
                                                                                   =======

Minimum Monthly Data Processing Fee
==========================================================================================
Months 1 - 12                                                                       $  500
Months 13 - 24                                                                      $1,000
Months 25 - 36                                                                      $2,500
Months 37 - 48                                                                      $2,750
Thereafter                                                                          $3,250

Summary List of BancPac Features
==========================================================================================

Customer Information File

Demand Deposit Accounts:                                      Loans:
     Checking                                                     Add-Ons
     NOW                                                          Simple Interest
     Money Market                                                 Line of Credit
     Savings                                                      Home Equity Loans
     Club
     Certificates of Deposit

Integrated General Ledger and Financial Management
Enterprise Information System with Key Ratios

Individual Retirement Accounting                        Cash Sweep Accounts
Safe Deposit Box Processing                             Executive/Tickler Reminder System
Automatic Funds Transfer System                         ACH Interface
Account Analysis                                        Signature Card Imaging Module
Overdraft Protection                                    Report Writer
</TABLE>

                        Page 1 of 1                                 CONFIDENTIAL
<PAGE>

                      ELECTRONIC FUNDS TRANSFER SERVICES
                                   ORDER FOR
                             United Commercial Bank
                                  Atlanta, GA
                                    12/12/01

InterCept agrees to provide Customer with the following products and services
described below. The following terms and conditions are in addition to the terms
and conditions of the Master Agreement and General Terms and Conditions. The
Parties agree that this Agreement is incorporated into and made part of the
Master Agreement, and is subject to the General Terms and Conditions contained
therein. In the event that these terms and conditions conflict with any term or
condition set forth in the Master Agreement, the term or condition set forth in
the Master Agreement shall control unless otherwise specified in writing by the
Parties.
                                      ***

                    Electronic Funds Transfer Services Order

This Electronic Funds Transfer Services Order is effective upon execution by
both parties. The term of this Order is 5 years, which shall commence upon the
date indicated below (the "Term Commencement Date"):

  [X] The first day of the first full month during which the services are
      provided.

  [ ] Date of renewal of an existing Electronic Funds Transfer Services Order

  [ ] Date specified by the Parties: _______________________

The term of this Order shall be extended automatically for additional terms
unless, at least 180 days prior to such automatic extension, either party shall
deliver written notice upon the other of its intention that such Services shall
not be so extended, in which case the Services shall continue through the
remaining term but shall not be extended absent written agreement by both
Parties.

DESCRIPTION OF SERVICES:
     For ATM Services see the attached ATM SERVICES DESCRIPTION.
     For Debit Services see the attached DEBIT SERVICES DESCRIPTION.

ADDITIONAL TERMS AND CONDITIONS
-------------------------------

 .  Intercept will not be held responsible for any settlement issues or
   efficiencies not reported to Intercept within 48 hours of settlement date.

 .  Notwithstanding any provision herein to the contrary, InterCept specifically
   reserves the right to adjust at any time pass through costs,
   telecommunications, and other outside InterCept costs directly associated
   with providing the services described in this Agreement, when incurred by
   InterCept. InterCept will send a statement of the compensation due at the end
   of each month and Customer shall make payment thereof within fifteen (15)
   days of the billing date.

 .  InterCept shall have the right to set off against Customer's account(s) any
   indebtedness which Customer owes InterCept, at any time before or after the
   termination of this Agreement or extension(s) hereof without further notice
   to or demand on Customer and whether the indebtedness to InterCept is now
   existing or hereafter arises.

 .  Notwithstanding any provision herein to the contrary, if the Customer
   terminates this Agreement prior to its expiration date, the parties hereto
   acknowledge that InterCept will suffer a substantial loss and/or damages that
   are difficult or impossible of accurate estimation. Accordingly, in an effort
   to liquidate in advance the sum that should represent the loss or damages
   which would be actually sustained by InterCept, as a result of any such early
   termination by Customer of any services provided by this Agreement or any
   Addendum made a part hereof, Customer shall give InterCept one hundred twenty
   (120) days advance written notice and thereafter shall pay InterCept an
   amount equal to eighty (80%) percent of the "Estimated Remaining Service
   Fees" for the service(s) being discontinued. Such fees shall be calculated by
   multiplying the average monthly service fees received by InterCept for the
   three (3) months immediately preceding notice of early termination by the
   number of months remaining under the term of this Agreement. The parties
   agree that such amount is a reasonable estimate of damages InterCept will
   incur in the case of such early termination and is liquidated damages and not
   a penalty.

 .  Customer agrees InterCept will be the sole provider of these services during
   the term of this agreement and any and all subsequent terms.

 .  Before signing, pricing is guaranteed for 45 Days from the above date.

 .  Pricing does not include applicable taxes, travel expenses and shipping
   charges.

14EFFORDER                         Page 1 of 2                      CONFIDENTIAL
<PAGE>

                       ELECTRONIC FUNDS TRANSFER SERVICES
                                   ORDER FOR
                             United Commercial Bank
                                  Atlanta, GA
                                    12/12/01

Each of InterCept and Customer has agreed to these terms and conditions as of
the date set forth below:

Customer:                              The InterCept Group:

By: /s/Ronnie Austin                   By:  /s/ Todd Shiver
    ------------------                      -----------------

Ronnie Austin                          Todd Shiver
----------------------                 ----------------------
Print Name                             Print Name

President                              Vice President
----------------------                 ----------------------
Print Title                            Print Title

12-17-01                               12/17/01
----------------------                 ----------------------
Date                                   Date

This document and the information contained therein are CONFIDENTIAL and
provided to Customer for internal use only. The document and information may not
be distributed or viewed by any third party without the written permission of
The InterCept Group, Inc.

14EFTORDER                         Page 2 of 2                      CONFIDENTIAL
<PAGE>

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------------------------------------------
                                                 United Commercial Bank-IO
                                                         Dallas, GA
                                              Card Issue Only Service Proposal
--------------------------------------------------------------------------------------------------------------------------

                                                 EFT Services One-Time Fees
<S>                                                                                                              <C>

Installation (Card Issue Only)                                                                                   $2,995.00*
Turn Key Investment                                                                                               Included
Coordination of Full Implementation                                                                               Included
Network Programming Interface                                                                                     Included
On-Site Preconversion Training                                                                                    Included
On-Site Conversion Training                                                                                       Included
G/L Balancing Training                                                                                            Included
Network Applications/Initial Paperwork                                                                            Included

Software Cost                                                                                                    $  595.00
Administrative Terminal Software
Transmit/receive Software may be required and is the responsibility of the financial institution

Network Fees Initial Implementation
Cirrus Direct                                                                                                    $1,500.00
Plus Duality                                                                                                     $  500.00
Maestro                                                                                                          $  500.00
InterCept Switch (Payable directly to InterCept Switch)                                                             N/A

Cards (Fixed One-time Fees)
Set up Fee (First Card Type)                                                                                     $  195.00
Set up fee (Each Additional Card Type) ($95.00 If Used)
Set up fee (Telepin) ($95.00 If Used)
Sub-Total One-time EFT Fees                                                                                      $6,285.00
                                                 MasterMoney Services One-time Fees
Affiliate Member
Conversion:
Implementation and Training                                                                                      $1,000.00
Membership                                                                                                       $  500.00
Sponsorship Fee                                                                                                  $  200.00
Sub-Total One-time MasterMoney Fees                                                                              $1,700.00

Total Fixed One-time Fees                                                                                        $7,985.00
                                               Other One-time Considerations
Data Communications
Our communications management division, will render monthly data communication invoices.
  All pricing will include the data line, equipment, maintenance, and monitoring.
  All data Communications may be reviewed annually and adjusted if necessary.
Cards (The Following fee are pass through from card vendor chosen by customer)
Card Artwork                                                                                                     $  300.00
Card Stock                                                                                                        By Quote
Card Gloves (generic) (each)                                                                                     $    0.10
--------------------------------------------------------------------------------------------------------------------------

                                                       EFT Services Fixed Monthly Fees

Monthly Processing Fees (Card Issue Only)                                                                        $  480.00*
Card Management Service                                                                                           Included
Card Issue Service                                                                                                Included
One Network Interface - Cirrus                                                                                    Included
Authorization/Positive File                                                                                       Included
PIN-Based Transaction Attempts ($.10 each) (minimum of $100)                                                     $  100.00
Sub-Total Monthly EFT Fees (*Includes 20% PCBP Discount)                                                         $  580.00
--------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

<TABLE>
<CAPTION>

                                                    MasterMoney Services Monthly Fees
-------------------------------------------------------------------------------------------------------------------------------
<S>                                                                                                                   <C>
Affiliate Member
Base Processing:
Months 1-12                                                                                                           $  100.00
Months 13-24                                                                                                          $  200.00**
Months 25 - Term                                                                                                      $  250.00**
Lost/Stolen Card Service (includes 3 per month)                                                                       $   25.00
**If average monthly dollar volume for the previous twelve months is equal to or
greater than $50,000, processing fee will be waived.
Sub-Total Monthly MasterMoney/Visa Check Fees                                                                         $  125.00
-------------------------------------------------------------------------------------------------------------------------------

                                                     EFT Services Additional Monthly Fees

InterCept Switch Network Connect Monthly Fee                                                                          Waived
Maestro Network Connect Monthly Fee                                                                                   $  100.00
Plus/Visa Network Connect Monthly Fee                                                                                 $  100.00
Sub-Total Fixed Monthly Fees                                                                                          $  200.00

Total Fixed Monthly Fees                                                                                              $  905.00
-------------------------------------------------------------------------------------------------------------------------------
                                                   Other Monthly Considerations

Ability to Order Cards More than Once per Week*
Ordering One (1) time per Week                                                                                        Included
     Ordering Two (2) times per Week                                                                                  $   40.00
     Ordering Three (3) times per Week                                                                                $   80.00
     Ordering Four (4) times per Week                                                                                 $  120.00
     Ordering Five (5) times per Week                                                                                 $  160.00
Additional Network Support (each) (After Conversion)                                                                  $  100.00
Reprints of Reports (each report)                                                                                     $   35.00
Cardholder Reports                                                                                                    $   50.00
ATM Card Issuance (each)                                                                                              $    1.35
Debit Card Issuance (each)                                                                                            $    1.55
Telepin (per transaction)                                                                                             $    0.50
Shipping/postage                                                                                                      Pass Thru

National Network Annual Fees
Cirrus
$30 per million on deposit.  $1000.00 minimum $2500 maximum
Billed Monthly (83.33 - 208.33)

MasterMoney Miscellaneous Fees
Chargebacks (each)                                                                                                    $   15.00
Lost/Stolen Cards Over 3 (each)                                                                                       $   12.00
Affiliate Members: Annual BIN Fee                                                                                     $  100.00
*MasterCard and Other Services:  The Affiliate Member will be responsible
 for all MasterCard fees and any other costs not specified within this contract.

Miscellaneous Installation Fees** (After Initial Conversion)
Additional training after Conversion (per hour, 4 hour minimum)                                                       $  100.00
Additional Software Installation (per hour, 4 hour minimum)                                                           $  100.00
Additional Dedicated ATM Installation                                                                                 $  500.00
Additional Dial-up ATM Installation                                                                                   $  250.00
Additional Network Implementation                                                                                     $  500.00

Notes:
50% of installation fees due at execution of this entire Addendum, including,
but not limited to, this Addendum and 50% due at completion of the installation.
**100% due at execution of this Addendum or when an order is placed for any additional service.
MasterMoney Compensation
Affiliate Member
Member will receive 30% of the interchange revenue.
-------------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

                IMAGE/TRADITIONAL ITEM PROCESSING SERVICES ORDER

  InterCept agrees to provide Customer with the following Item Processing
  Services. The following terms and conditions are in addition to the terms and
  conditions of the Master Agreement and General Terms and Conditions attached
  thereto.  The Parties agree that this Order is incorporated into and made part
  of the Master Agreement, and is subject to the General Terms and Conditions
  contained therein.  In the event that these terms and conditions conflict with
  any term or condition set forth in the Master Agreement, the term or condition
  set forth in the Master Agreement shall control unless otherwise specified in
  writing by the Parties.

                                      ***
                         Item Processing Services Order

This Item Processing Services Order is effective upon execution by both parties.
The term of this Order is 60 months (5 years), which shall commence upon the
date indicated below (the "Term Commencement Date"):

     [X]  Date of live conversion

     [ ]  Date of renewal of an existing Item Processing Services Order

     [ ]  Date specified by the Parties:

The term of this Order shall be extended automatically for additional terms
unless, at least 180 days prior to such automatic extension, either party shall
deliver written notice upon the other of its intention that such Processing
Services shall not be so extended, in which case the Item Processing Services
shall continue through the remaining term but shall not be extended absent
written agreement by both Parties.

1. Definitions. Capitalized terms shall have the following meanings. Capitalized
terms used but not otherwise defined herein shall have the meanings given to
them in the General Terms and Conditions.

1.1  "InterCept System" means the Hardware and Software used by InterCept to
      ----------------
provide the Processing Services hereunder.

1.2  "Processing Services" means the Image/Traditional processing and other
      -------------------
services to be provided by InterCept hereunder and Identified in the
"IMAGE/TRADITIONAL ITEM PROCESSING DESCRIPTION OF SERVICES" attachment.

2.  Services.

2.1  Item Processing. InterCept agrees to furnish to Customer and Customer
     ---------------
agrees to obtain from InterCept the Processing Services for the term set forth
herein. Customer may obtain additional products and services offered by
InterCept at InterCept's then current prices for such services. In the
performance of Item Processing Services, InterCept accepts no liability for the
payment of fraudulent, postdated, or otherwise improper documents.

2.2  Data Retention. All Data provided to or from InterCept for Customer or on
     --------------
behalf of Customer involving any third party shall be retained for 60 days
following processing, and may be destroyed thereafter, or as otherwise mandated
by regulatory guidelines and requirements. If image services are provided under
this agreement then images shall be retained by InterCept for the lesser of the
term of this agreement or as otherwise mandated by regulatory guidelines and
requirements.

2.3 Fees. Customer agrees to pay the fees for such services as identified on the
    ----
"IMAGE/TRADITIONAL ITEM PROCESSING FEES" attachment. If overtime and/or special
handling is requested by Customer or is required because of delays not caused by
InterCept, Customer agrees to pay InterCept at its then current rates for
overtime and/or special handling for production operations and for any
associated out-of-pocket expenses.

3. Data Transmission. Data Transmission refers to data in electronic or physical
form.

3.1 Time Schedule. Customer and InterCept shall establish a mutually agreeable
    -------------
Time Schedule for the receipt and delivery of work. Customer acknowledges that
such Time Schedule will be constrained by limitations outside of InterCept's
control such as but not limited to the courier service provided by Customer,
Federal Reserve, cutoff times, Customer's account processing deadline
requirements, and the quantity and quality of the Customer's documents.

3.2 Data Transmission. Customer shall provide all data for input to the
    -----------------
InterCept System for processing in a format and manner, and within the Time
Schedule, for proper processing. Customer shall be responsible for the
authenticity, accuracy, reconstruction capability and delivery of all
information and data submitted to InterCept, and for confirming the accuracy of
transaction items received from InterCept. All transaction items received by

                                  Page 1 of 4                      CONFIDENTIAL
<PAGE>

InterCept are to be deemed approved by Customer. Any error in transaction items
is the sole responsibility of Customer. The Customer is responsible for
retention and backup of all data and processing records provided to and by
InterCept.

4.  Communications.

4.1  Equipment Compatibility. Customer agrees to use and maintain only
     -----------------------
terminals, modems, and other Hardware, firmware, and Software (collectively, the
"Equipment") compatible with the InterCept System. If requested by InterCept,
Customer shall provide sufficient information about the Equipment to allow
InterCept to perform tests to demonstrate the compatibility of the Equipment to
the InterCept System. Customer shall upgrade Equipment to maintain efficiency
and compatibility with the InterCept System at the request of InterCept.

4.2  Establishment of Communications Service. Unless otherwise agreed by the
     ---------------------------------------
Parties, InterCept shall schedule and arrange for the communications services,
including the Equipment installation, with the communications provider. Customer
shall be responsible for paying all charges for the purchase and installation of
Equipment, as well as any charges for additional connections or changes to
locations or future services. InterCept is not responsible for the reliability
or continued availability of the telephone lines, communications facilities, or
electrical power used by Customer.

4.3  Risk of Loss. Customer shall bear all risk of loss or damage to items,
     ------------
records, or other input data, or reports and other output data during
communication or delivery of such data between Customer and InterCept. Customer
shall be responsible for and shall pay all charges related communications
charges.

5.  Disaster Recovery. InterCept has in place a disaster recovery plan designed
to minimize, but not eliminate, risks associated with a disaster affecting the
InterCept System and the Processing Services. InterCept does not warrant that
service will be uninterrupted or error free in the event of a disaster. Customer
is responsible for adopting a disaster recovery plan relating to disaster's
affecting Customer's facilities and for securing business interruption insurance
or other insurance necessary for Customer's protection. InterCept shall maintain
adequate backup procedures including storage of duplicate record files as
necessary to reproduce Customer's records and data. In the event of a service
disruption due to reasons beyond InterCept's control, InterCept shall use
diligent efforts to mitigate the effects of such an occurrence. Per section
2.5.c of the Master Agreement, Customer may review InterCept's disaster recovery
plan.

6. Insurance. InterCept shall maintain fidelity bond coverage for dishonest acts
committed by InterCept's personnel, and insurance covering hazards, including
losses caused by fire, disaster, and other events that may interrupt normal
service. Such coverages shall be in amounts as determined by InterCept. Upon
request, InterCept shall furnish Customer with applicable certificates of
insurance.

6.1  Service Performance Standards.

6.2  Availability of Communications. InterCept shall ensure that the InterCept
     ------------------------------
System and the Processing Services are available for communication between
Customer and InterCept during the periods agreed to in the Time Schedule.

6.3  Exclusions. InterCept shall not be responsible for (i) telecommunications
     ----------
failures, (ii) service interruptions beyond InterCept's control, (iii) delay or
failure of any third party courier or delivery service, or (iv) failure of any
third party vendor to deliver information, files, magnetic media, products,
support or services, or other materials required for InterCept to provide
services hereunder. In the event such delays exist without interruption for a
period of more than 30 days, Customer or InterCept may elect to terminate this
Order without penalty. Customer is under no obligation to make any payments to
InterCept for any continuous period of interruption that exceeds 5 consecutive
business days.

7.  Problem Reporting and Resolution.

7.1  Problem Reporting. Customer is responsible for reporting problems to
     -----------------
InterCept's customer service or operations staff at the contact numbers or
addresses provided by InterCept from time to time.

7.2  Problem Response. InterCept shall respond to each reported problem promptly
     ----------------
based on the severity of the problem and its effect on Customer's operations.
InterCept shall use reasonable commercial efforts to either resolve each problem
or provide Customer with information to allow Customer's personnel to address
the problem. In the event the resolution of a reported problem which materially
impacts Customer's operations will carry-over to the next business day,
InterCept will provide Customer with a status report for the problem and an
estimate of the resolution time and course, if possible.

8.  Third Party Audit. InterCept shall provide to Customer a copy of any third
party service audits of the records of InterCept upon request and payment by
Customer of a reasonable and customary charge. If requested, InterCept shall
also provide to Customer annual audited financial information at no charge.

9.  Termination. In addition to sections 4.2 and 4.3 of the Master Agreement,
InterCept and Customer agree as follows:

9.1  Termination by InterCept. InterCept may terminate this Order at any time
     ------------------------
upon 180 days written notice to Customer.

9.2  Termination By Customer. Customer may terminate this Order at any time upon
180 days written notice accompanied by a cancellation fee. Such cancellation fee
shall be 75% of the average monthly fee for such service

                                  Page 2 of 4                       CONFIDENTIAL
<PAGE>

 invoiced to or due from Customer for the previous six months (or for all prior
 months if this Order has been in effect or InterCept has been providing the
 Processing Services for less than six months) multiplied by the number of
 months remaining in the then current term, or 75% of the monthly "minimum
 charge" (as set forth in the Order) multiplied by the number of months
 remaining in the then current term, whichever is greater.  In addition to the
 cancellation fee, Customer shall pay immediately all previously invoiced and
 overdue amounts.

 10.  Deconversion.

 10.1  Upon termination of this Order, InterCept shall dispose of Customer's
 files as InterCept deems appropriate unless Customer, prior to the date of
 termination, provides InterCept with written instructions for the disposal of
 Customer's files.  At Customer's expense, InterCept will comply with such
 instructions to the extent reasonable and feasible.  InterCept reserves the
 right to maintain Customer's data for a period of 60 days following termination
 of this Order.

 10.2  Upon (i) termination of this Order, and (ii) written request by Customer,
 Customer's files shall be delivered to Customer provided that Customer
 consents, agrees, and authorizes InterCept to retain Customer's files until (i)
 InterCept has been paid in full for all fees for all services provided
 hereunder through the date such files are returned to Customer, and InterCept
 has been paid any and all other amounts that are due or will become due under
 this order; (ii) if this Order is being terminated, InterCept has been paid any
 applicable termination and cancellation fee pursuant to this Order or Master
 Agreement, (iii) Customer has returned to InterCept all InterCept Confidential
 Information requested by InterCept, and (iv) Customer pays InterCept's normal
 costs and fees associated with providing deconversion of Customer's files.
 Such costs and fees include but are not limited to shipping and handling fees,
 media costs, hourly programming fees, and hourly processing fees.  Customer
 acknowledges that InterCept shall have a lien on Customer's files until all
 such sums are paid.  The release of the lien and surrender of possession of the
 files shall not affect InterCept's claim for any payments due.

 10.3  Upon termination of this Order, and (i) at InterCept's option, and (ii)
 Customer's written request, InterCept may continue to retain Customer's files
 for the purpose of providing research, image record reprint and report reprint
 services to Customer based upon Intercept's then current fee schedule.

 Each of InterCept and Customer has agreed to these terms and conditions as of
 the date set forth below:

 Customer:                               The InterCept Group, Inc.:

 By:  /s/  Ronnie Austin                 By:  /s/ Todd Shiver
    ----------------------------            -----------------------------

 Ronnie Austin                           Todd Shiver
 -------------------------------         --------------------------------
 Print Name                              Print Name

 President                               Vice President
 -------------------------------         --------------------------------
 Print Title                             Print Title

 12-17-01                                12/17/01
 -------------------------------         --------------------------------
 Date                                    Date

                                  Page 3 of 4                    CONFIDENTIAL
<PAGE>

           IMAGE/TRADITIONAL ITEM PROCESSING DESCRIPTION OF SERVICES

Proof and Encode
----------------

 .   Over the counter (teller) work is filmed by the bank, bundled, then routed
    to InterCept. Debit and Credit totals are established and outgoing Cash
    Letter items are encoded using InterCept's Image Processing equipment.

Capture
-------

 .    Over the counter and Incoming Cash letter items are read by the high speed
     reader sorter Images of all documents are digitized and stored on magnetic
     media along with information needed to post and/or track each document.

NSF/Unposted
------------

 .    All exception items will be reviewed with the bank if necessary and will
     then be processed by InterCept. This includes preparation and disposition
     of NSF notices, outgoing return cash letters, and ACH returns.
     Unposted/unmatched items will be corrected and resubmitted for posting.
     Large dollar notification as well as verification and handling of Stop Pay
     Suspects will also be InterCept's responsibility.

Incoming Returns
----------------

 .    InterCept will process Participating Bank's FRB return cash letter.
     Returned items will be resubmitted, charged back to the customer account or
     placed in Participating Bank's cash items based on prearranged agreements.

Statement Rendering
-------------------

 .    Imaged statements will be printed, metered and mailed by InterCept for all
     Checking and Savings accounts based on Participating Bank's instructions.
     InterCept will also verify enclosure counts, meter and mail statements on
     non-imaged accounts. Any account having an image or document discrepancy
     (cripple statement) that can not be resolved by InterCept will be forwarded
     to Participating Bank for handling. At Participating Bank's request,
     InterCept will insert marketing or other informational material in out-
     going statements.

Research and Adjustments
------------------------

 .    InterCept will conduct any necessary research and make appropriate entries
     required regarding FRB cash letters processed on behalf of Participating
     Bank.

Document Storage
----------------

 .    InterCept will store Participating Bank's physical items at its facility
     for safekeeping until they are disposed of.

Optical Image Storage
---------------------

 .    InterCept will archive document images from Participating Bank's designated
     RAID unit to InterCept's Optical Disk system as needed for long term
     storage.

Report Printing
---------------

 .    All daily and periodic stock paper reports will be printed by InterCept for
     distribution to Participating Bank.

Notices and Special Forms
-------------------------

 .    Any printed system output requiring special forms will be produced by
     InterCept for distribution to Participating Bank or its customer.

Electronic File Transmission
----------------------------

 .    InterCept will transmit captured item data to Participating Bank via high
     speed data communications for input to Participating Bank's processing
     system.
<PAGE>

                             Image/Item Processing
                                  Proposal for
                             United Commercial Bank
                                  Atlanta, GA
                                    12/12/01
<TABLE>
<CAPTION>

----------------------------------------------------------------------------------------------------------------
Yes/No           Description of Services                           Rate         Unit        Volume      Total
----------------------------------------------------------------------------------------------------------------
<S>                                                               <C>          <C>          <C>        <C>
  Item Processing Services
  ------------------------
    PROOF ENCODE                                                       0.0300  Per Item       $              -
    PROOF CORRECTIONS                                                  1.0000  Per item       $              -
    IMAGE INCLEARING CAPTURE                                           0.0250  Per item       $              -
    IMAGE/ POD CAPTURE                                                 0.0250  Per item       $              -
    EIP / EXCEPTION ITEM PULL - CYCLE BREAKOUT                         Waived  Per Day
    DAILY TRANSMISSION TO HOST PROCESSOR                             250.0000  Per Month      $              -
    COURIER - TO FED OR CORRESPONDENT                                          Pro Rated

    Back Office Services
    --------------------
    RETURN ITEMS(NSF)                                                  2.0000  Per item       $              -
    QUALIFY RETURNS (In addition to Return Item Fee)                   0.5000  Per Item       $              -
    EXCEPTION PROCESSING - Non post correction etc.                    2.0000  Per item       $              -
    RESEARCH AND SUBPOENAS - one hour minimum                         27.5000  Per Hour       $              -
    ITEM RETRIEVAL - pulling original item out of storage              5.0000  Per item       $              -
    IMAGE COPY                                                         1.5000  Per image      $              -
    FAX IMAGE COPY                                                     1.0000  Per image      $              -
    ITEM FINE SORTING                                                  0.0200  Per item       $              -
    DOCUMENT STORAGE 60 DAYS & DESTRUCTION MONTHLY                     0.0030  Per Item       $              -
    FED ADJUSTMENTS                                                    5.0000  Per item       $              -

    Bank Customer Service - Check Image Viewing
    -------------------------------------------
    ON-LINE CHECK IMAGE VIEWING (Bank Use)*
                      ($175 monthly minimum)                           0.2000  Per image      $              -
    CD-ROM long term archival research - POD Captured Items           25.0000  Per CD         $              -
    CD-ROM long term archival research - Statements with Images       25.0000  Per CD         $              -

    Statement Rendering Services
    ----------------------------
    IMAGE STATEMENT RENDERING: process, print,
     fold and render per account
       COMMERCIAL                                                      1.3500  Per Statement  $              -
       NON - COMMERCIAL                                                0.7500  Per Statement  $              -
       SAVINGS ACCOUNTS                                                0.3500  Per Statement  $              -
       Non-IMAGE STATEMENTS                                           10.0000  Per Statement  $              -
    MARKETING INSERTS - per insert / per statement                     0.0500  Per insert     $              -
    NSF NOTICE PRINT-WITH IMAGE                                        0.0500  Per Notice
    NSF NOTICE PRINT-NO IMAGE                                            0.03  Per Notice
    NSF RENDER                                                            0.1  Per Notice
                                                                                              ----------------
                                                     Total Monthly Investment                 $              -
                                                     ------------------------                 ================
    Monthly Minimums
    ----------------
    Months 1-12                                                                               $1,000.00
    Thereafter                                                                                $1,500.00
    MONTHLY MINIMUMS DO NOT INCLUDE PASS THRU ITEMS
</TABLE>
                                  Page 1 of 3                       CONFIDENTIAL
<PAGE>

                             Image/iIem Processing
                                  Proposal for
                             United Commercial Bank
                                  Atlanta, GA
                                    12/12/01

------------------------------------------------------------------------------
Yes/No    Description of Services                   Rate  Unit  Volume  Total
------------------------------------------------------------------------------

  Postage
  -------
  POSTAGE                                            At Cost

  Customer to Provide
  -------------------
  Statement Envelopes
  Courier - Deliveries and Pickups

  Implementation
  --------------
  Setup and Training                                 $10,000.00 one-time
  Check Image Viewing (Bank use)* (Discounted $1,500)   $500.00 one-time
  CD ROM set up including software license (per user)   $250.00 Per User

  Communications
  --------------
  A separate document will be providing detailing:
  Leased Data Line
  24/7 Communications Management
  Communication Equipment Installation and Maintenance - Routers, Hubs, etc

  Internet Access
  ---------------
  Internet availability of images, where available, will be priced on a separate
     document.
  Other charges may apply from the banks Internet Banking vendor.

                                  Page 2 of 3                      CONFIDENTIAL
<PAGE>

                             Image/Item Processing
                                  Proposal for
                             United Commercial Bank
                                  Atlanta, GA
                                    12112/01

------------------------------------------------------------------------------
     Description of Services                Rate      Unit     Volume    Total
------------------------------------------------------------------------------

Check Image Access by Bank Customer via the Internet
----------------------------------------------------
ON-LINE CHECK IMAGE VIEWING (Bank Customer Use)
                                            0.2000 Per image           $      -

                                                                       --------
                            Total Monthly Investment                   $      -
                            ------------------------                   ========

Note:  The per image fee will be applied to the minimum for the Check Image
       Viewing-Bank Use on Page 1 of 3
       There is no separate minimum for Check Image Viewing-Bank Customer Use.

Implementation
--------------
Installation, Setup and Testing             $6,000.00 One-time

Communications
--------------
A separate document will be providing detailing:
       Leased Data Line
       24/7 Communications Management
       Communication Equipment Installation and Maintenance - Routers, Hubs, etc

                                  Page 3 of 3                       CONFIDENTIAL
<PAGE>

                                SALES ORDER FOR
                          United Commercial Bank - IO
                                  Atlanta, GA
                                    12/12/01

 InterCept agrees to provide Customer with the following products and services
 described below. The following terms and conditions are in addition to the
 terms and conditions of the Master Agreement and General Terms and Conditions.
 The Parties agree that this Agreement is incorporated into and made part of the
 Master Agreement and is subject to the General Terms and Conditions contained
 therein. In the event that these terms and conditions conflict with any term or
 condition set forth in the Master Agreement, the term or condition set forth in
 the Master Agreement shall control unless otherwise specified in writing by the
 Parties.

                                      ***

                                  Sales Order

 This Sales Order is effective upon execution by both parties. For the licensing
 of InterCept Software and the provision of hardware and software maintenance
 and support under this order, the term is one year, which shall commence upon
 the date of installation (the "Term Commencement Date") regardless of first
 live use by the Customer. The term of this Order shall be extended
 automatically for additional one year terms unless, at least 30 days prior to
 such automatic extension, either party shall deliver written notice upon the
 other of its intention that such term shall not be so extended, in which case
 the licensing of InterCept Software and the provision of hardware and software
 maintenance and support shall continue through the remaining term but shall not
 be extended absent written agreement by both Parties.

 ADDITIONAL TERMS AND CONDITIONS
 -------------------------------

 .  Unless specifically noted in this Sales Order, any file transfer hardware and
   software required to communicate with the Customer's host account processing
   system and any required terminal emulation or network cabling must be
   provided by the Customer.
 .  30% initial deposit is required with order.
 .  Annual Fees will be billed upon installation and annually thereafter.
 .  Before signing, pricing is guaranteed for 45 Days from the above date.
 .  Pricing does not include applicable taxes, travel expenses and shipping
   charges.

 Each of InterCept and Customer has agreed to these terms and conditions as of
 the date set forth below:

 Customer:                                   The InterCept Group, Inc.:

By:  /s/ Ronnie Austin                       By: /s/ Todd Shiver
   -------------------                          ----------------

Ronnie Austin                                Todd Shiver
-----------------------                      --------------------
Print Name                                   Print Name

President                                    Vice President
-----------------------                      -------------------
Print Title                                  Print Title

12-17-01                                     12/17/01
-----------------------                      -------------------
Date                                         Date

This document and the information contained therein are CONFIDENTIAL and
provided to Customer for internal use only. The document and information may
not be distributed or viewed by any third party without the written permission
of The InterCept Group, Inc.

Sales Order                       Page 1 of 7                       CONFIDENTIAL
<PAGE>

                                SALES ORDER FOR
                          United Commercial Bank - IO
                                  Atlanta, GA
                                    12/12/01

--------------------------------------------------------------------
Description                                  Qty  Price   Annual Fee
====================================================================

Loan & Deposit Platform System
====================================================================
Windows Version (5 user)                       1            1,500(1)
Windows Version Users 6 - 7                    2              600(1)
Bankers Systems Laser Forms Setup              1            4,400(2)
Installation - Main Office                     1
Installation - Branch                          1
Parameter Set Up & Training - Main Office      1
Parameter Set Up & Training - Branch           1
Interbase Server                               1
Interbase User License 1 -10 Users             1
Interbase Media Kit                            1

Platform SUB-TOTAL                                $22,300  $6,500
                                                  =======  ======

Platform TOTAL                                    $22,300  $6,500
                                                  =======  ======

(1) Annual Software License Fee.
(2) Estimated Bankers Systems Annual Software License Fee.
*Co-PilotPlafform

Sales Order                      Page 2 of 7                        CONFIDENTIAL
<PAGE>

                                SALES ORDER FOR
                          United Commercial Bank - IO
                                  Atlanta, GA
                                    12/12/01

<TABLE>
<CAPTION>
-----------------------------------------------------------------------------------------
         Description                                        Qty     Price      Annual Fee
=========================================================================================

Vision (COLD Storage System)
=========================================================================================
<S>                                                         <C>   <C>         <C>
Complete System - Single User Software License                1     17,450       1,990(1)
Additional Vision User Software Licenses                      1        300          54(1)
Dell OptiPlex GX110 Mini-Tower PIII 866Mhz, 128MB,            1                       (3)
Dell 2 x I0GI3 Hard Drive, Win98 2nd Ed., 48x CD, 10/100
Dell 17" Monitor
Dell 3 Year On-Site Warranty
CD Recorder, 32X/8X/4X                                        1                       (2)
CD ROM Media                                                 10
294OU Kit USCSI PCI 1                                         1
BF350 UPS / Surge Combo                                       1
Scsi 2 to Scsi 2 Cable                                        1
PC Anywhere 32                                                1
Monarch for Windows                                           1
15' Patch Cable                                               1
Vision Authorization                                          1
Installation and Training for Vision                          1
                                                                   -------------------
Vision SUB-TOTAL                                                   $17,750      $2,044
                                                                   -------------------
Less Discount                                                       (2,750)
                                                                   -------------------
Vision TOTAL                                                       $15,000      $2,044
                                                                   ===================
</TABLE>
(1)  InterCept Annual Software License Fee.
(2)  Depot Maintenance through InterCept with overnight loaner equipment
     provided.
(3)  Dell 3-Year On-Site Maintenance included. Dell will bill Customer direct at
     then current rates after year 3.

Sales Order                         Page 3 of 7                     CONFIDENTIAL
<PAGE>

                                SALES ORDER FOR
                          United Commercial Bank - IO
                                  Atlanta, GA
                                    12/12/01

<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------------------------
        Description                                          Qty     List     Ext.   Price   Annual Fee
=======================================================================================================

AccountFolio (Document Tracking Software)
=======================================================================================================
<S>                                                        <C>    <C>        <C>    <C>      <C>
AccountFolio Single User License                             1      5,990     5,990           1,075 (1)
AccountFolio Image Upgrade License                           -      5,000         -               - (1)

AccountFolio SUB-TOTAL                                                                5,990   1,075

Imaging Hardware
=======================================================================================================
Dell OptiPlexGX150 Mini-Tower PIII 1GHz, 128MB               -      1,483         -                 (3)
Dell 40GB Hard Drive, VVJn98 2nd Ed., 48x CD, 10/100
Dell 3 Year On-Site Warranty Same Day                        -
Dell 17" Monitor                                             -        162         -
Modem Cable                                                  -         10         -
Modem 56K                                                    -        140         -
PC Anywhere for Win 95-NT                                    -        171         -
TapeStor 4 GB Tape Drive                                     -        279         -
TapeStor Tape                                                -         35         -
Canon 5020 Duplex Scanner                                    -      5,600         -                 (2)
Adaptec  2940 SCSI Board                                     -        250         -
SCSI Cable II-II                                             -         42         -
UPS 300                                                      -        109         -

Imaging Hardware SUB-TOTAL                                                              -

Installation & Training
=======================================================================================================
Software / Hardware Installation                             1      2,000     2,000
Daily On-Site Training                                       2      1,000     2,000

Installation and Training SUB-TOTAL                                                   4,000

                                                                                     ----------------
AccountFolio ORDER SUB-TOTAL                                                         $9,990   $ 1,075
                                                                                     ================

                                                                                     ----------------
AccountFolio ORDER TOTAL                                                             $9,990   $ 1,075
                                                                                     ================
</TABLE>

(1) InterCept Annual Software License Fee.
(2) Extended warranty provided by Canon and billed direct to the bank.
(3) Dell 3-Year On-Site maintenance included.

Sales Order                         Page 4 of 7                     CONFIDENTIAL
<PAGE>

                                SALES ORDER FOR
                          United Commercial Bank - IO
                                  Atlanta, GA
                                    12/12/01

--------------------------------------------------------------------------------
             Description                      Qty           Price     Annual Fee
================================================================================

Bankwide Contingency Plan
================================================================================

Written Bankwide Contingency Plan              1                         450(1)
                                                           ---------------------
Bankwide Contingency Plan SUB-TOTAL                        $ 3,500      $450
                                                           ---------------------
Less Discount                                              $(3,400)

                                                           ---------------------
Bankwide Contingency Plan TOTAL                            $   100      $450
                                                           =====================

Summary List of Contingencies Included
================================================================================

Data Processing Contingency
Management Contingency
Loan Department Contingency
Bookkeeping Contingency
Branch Contingency(Up to 2 branches)
Teller Contingency
Microcomputer Contingency
Network Contingency
Telephone Contingency
Business Recovery
Risk Assessment

Includes Master and Copy

(1) Annual Fee includes updating and enhancements.

Sales Order                         Page 5 of 7                     CONFIDENTIAL
<PAGE>

                                SALES ORDER FOR
                          United Commercial Bank - IO
                                  Atlanta, GA
                                    12/12/01

--------------------------------------------------------------------------------
Description                            Qty       List      Price     Monthly Fee
================================================================================

Miscellaneous InterCept Software
================================================================================
Call Reporter IV                         1                                60 (1)
FR2900 Reporter                          1                                20 (1)

Miscellaneous Software ORDER SUB-TOTAL                                   $80
                                                                         ---
Miscellaneous Software ORDER TOTAL                                       $80
                                                                         ===

(1) InterCept Software Maintenance

Call Reporter Flagship product-Over 6000 installs -FFIEC certified-Enables bank
to prepare and submit quarterly FFI Call Report electronically. Has Data
Processor interface to import GL data automatically. Many features included (CR
printout, Performance ratio report, edit/error check report, on-line
instructions, Internet updating and more,)

Sales Order                         Page 6 of 7                     CONFIDENTIAL
<PAGE>

                                SALES ORDER FOR
                          United Commercial Bank - IO
                                  Atlanta, GA
                                    12/12/01

--------------------------------------------------------------------------------
             Description                          Qty      Price      Annual Fee
================================================================================

Miscellaneous Software
================================================================================
IPS Accounts Payable Software Single User          1                      665(1)
IPS Fixed Asset Software Single User               1                      665(1)

Miscellaneous Software SUB-TOTAL                            5,500       1,330
                                                           ---------------------
Miscellaneous Software ORDER SUB-TOTAL                     $5,500      $1,330
                                                           =====================

                                                           ---------------------
Miscellaneous Software ORDER TOTAL                         $5,500      $1,330
                                                           =====================

NOTES:
-----
Installation and training for IPS Software will be provided by IPS and billed
direct to the bank.

(1) IPS Software Maintenance

Sales Order                         Page 7 of 7                     CONFIDENTIAL
<PAGE>

                              TellerPlus ORDER FOR
                          United Commercial Bank - IO
                                  Atlanta, GA
                                    12/12/01

InterCept agrees to provide Customer with the following products and services
described below. The following terms and conditions are in addition to the terms
and conditions of the Master Agreement and General Terms and Conditions. The
Parties agree that this Agreement is incorporated into and made part of the
Master Agreement, and is subject to the General Terms and Conditions contained
therein. In the event that these terms and conditions conflict with any term or
condition set forth in the Master Agreement the term or condition set forth in
the Master Agreement shall control unless otherwise specified in writing by the
Parties.

                                      ***

                                TellerPlus Order

This TellerPlus Order is effective upon execution by both parties. For the
licensing of InterCept Software and the provision of hardware and software
maintenance and support under this order, the term is one year, which shall
commence npon the date of installation (the "Term Commencement Date") regardless
of first live use by the Customer. The term of this Order shall be extended
automatically for additional one year terms unless, at least 30 days prior to
such automatic extension, either party shall deliver written notice upon the
other of its intention that such term shall not be so extended, in which case
the licensing of InterCept Software and the provision of hardware and software
maintenance and support shall continue through the remaining term but shall not
be extended absent written agreement by both Parties.

The attached TellerPlus Proposal contains a description of Fees, products, and
services provided under this Order.

1. Definitions. Capitalized terms shall have the following meanings. Capitalized
terms used but not otherwise defined herein shall have the meanings given to
them in the General Terms and Conditions.

"TellerPlus System" means the TellerPlus Hardware and Software provided by
------------------
InterCept as described above.

2. License. Subject to the terms and conditions of the Master Agreement,
InterCept grants Customer a non-exclusive, non-transferable license to use the
programs, documentation, and associated material set forth above. InterCept
agrees to sell all associated Hardware and services necessary to operate the
TellerPlus System, as set forth in this Order.

3. Installation and Training. InterCept shall furnish installation assistance,
operating training, and screen customization as described above. For any
additional assistance rendered by InterCept, including, but not limited to,
screen customizations occurring 30 days after the date of installation, Customer
shall pay InterCept at its then current hourly rate and shall reimburse
InterCept for all reasonable expenses incurred by InterCept in rendering such
assistance. InterCept shall provide an itemized list of expenses upon request,
including copies of invoices or receipts that verify the expense.

4.  Acceptance of TellerPlus System.

4.1 Acceptance by Customer. On the date of installation, Customer shall provide
    ----------------------
a qualified representative to perform acceptance tests. InterCept shall
demonstrate to such Customer representative every feature of the TellerPlus
System. Customer is prohibited from using the TellerPlus System without
InterCept's express written consent until completion of the demonstration and
acceptance of the TellerPlus System by Customer.

4.2 Installation Delayed by Customer. If Customer is unwilling or unable to
    --------------------------------
accept the installation of the TellerPlus System within 14 days of the scheduled
date of installation, then the balance due upon installation and acceptance of
the TellerPlus System shall become immediately due and payable. Customer agrees
to notify InterCept in writing of the rescheduled date of installation.

5.  CTR/IRS 4789 Reporting Disclaimer. InterCept warrants that the CTR/4789
reporting module was current as of the Effective Date of this Order. InterCept
shall use all reasonable efforts to ensure the continued completeness and
accuracy of the CTR/4789 reporting module. InterCept expressly disclaims all
liability arising out of Customer's use of the CTR/4789 reporting module and
assumes no liability as to the completeness or accuracy of the contents of this
Software as it relates to the operation of the CTR/4789 report Software by the
operator.

                                  Page 1 of 2                      CONFIDENTIAL
<PAGE>

                              TellerPlus ORDER FOR
                          United Commercial Bank - IO
                                  Atlanta, GA
                                    12/12/01

ADDITIONAL TERMS AND CONDITIONS
-------------------------------

 .  A 50% initial deposit is required at execution of this Agreement and 50%
   balance is due upon installation.
 .  Annual fees will be billed upon installation and annually thereafter.
 .  Before signing, pricing is guaranteed for 45 Days from the above date.
 .  Pricing does not include applicable taxes, travel expenses and shipping
   charges.

Each of InterCept and Customer has agreed to these terms and conditions as of
the date set forth below:

Customer:                               The InterCept Group, Inc.:

By:  /s/ Ronnie Austin                  By:  /s/ Todd Shiver
   -----------------------------            -----------------------------

Ronnie Austin                           Todd Shiver
--------------------------------        ---------------------------------
Print Name                              Print Name

President                               Vice President
--------------------------------        ---------------------------------
Print Title                             Print Title

12-17-01                                12/17/01
--------------------------------        ---------------------------------
Date                                    Date

This document and the information contained therein are CONFIDENTIAL and
provided to Customer for internal use only. The document and information may not
be distributed or viewed by any third party without the written permission of
The InterCept Group, Inc.

                                  Page 2 of 2                     CONFIDENTIAL
<PAGE>

                            TellerPlus PROPOSAL FOR
                          United Commercial Bank - IO
                                  Atlanta, GA
                                    12/12/01

<TABLE>
<CAPTION>
                                                       REVISED 12/14/01
------------------------------------------------------------------------------------------------------------
          Description                                         Qty     List     Ext.    Price     Annual Fee
===========================================================================================================
TELLER SERVER
===========================================================================================================
<S>                                                         <C>       <C>     <C>      <C>       <C>
Dell PowerEdge 1400 Pill 866MHz, 256MB Memory                   1                                       (3)
15" Monitor, (2) 9GB Scsi HID, CID
Dell 3 Yr. Same Day Onsite 7x24 Warranty
Networking Telephone Support - Additional Server                1                                1,200  (2)
Smart UPS 700                                                   1
PC Anywhere 32                                                  1
Surge Protector                                                 1
Windows NT Server with 5 Users                                  1
SQL Server 2000 with 5 Users                                    1

TELLER SERVER SUB-TOTAL                                                                5,276     1,200

TELLER WORKSTATIONS
============================================================================================================
Dell Small Form Factor, PIII 866MHz, 128MB, 10GB, 128ME         3                                        (3)
Dell Next Day On-Site PC Hardware Support - 3 Yr., 8 x 5
Windows 2000 Professional
Dell 15 Inch Monitor                                            3
Surge Protector                                                 3
Epson Serial Teller Printer                                     3
TM Power Supply                                                 3
25 Pin Null Modem Cable                                         3

HP ScanJet 530OCxi Scanner                                      1                                        (3)
HP Digital Camera                                               1

TELLER WORKSTATIONS SUB-TOTAL                                   supplied by the bank
</TABLE>

                                          Page 1 of 2              CONFIDENTIAL
<PAGE>

                            TellerPlus PROPOSAL FOR
                          United Commercial Bank - IO
                                  Atlanta, GA
                                    12/12/01
<TABLE>
<CAPTION>
                                                                  REVISED 12/14/01
-----------------------------------------------------------------------------------------------
      Description                                     Qty  List    Ext.    Price    Annual Fee
===============================================================================================
TELLER PLUS SOFTWARE
===============================================================================================
<S>                                                   <C>  <C>     <C>     <C>      <C>
TellerPlus for Windows Workstation License              2  1,695   3,390                440 (1)
(Includes Reports and Bond Redemption Modules)
TellerPlus Signature/Photo ID Workstation License       2    300     600                100 (1)
TellerPlus CTR Workstation License                      2    300     600                100 (1)
TellerPlus Official Check Printing License              2    300     600                100 (1)
(Requires Epson TM-375 Printer)
TellerPlus Signature/Photo ID Scan Station License      1    795     795                100 (1)

TELLER SOFTWARE SUB-TOTAL                                                   5,985     1,210
License Discount                                        2   (400)   (400)    (800)

INSTALLATION AND INTERFACE
===============================================================================================
Software Installation 1 - 10 Stations                   1  3,500   3,500
Server Installation                                     1  3,000   3,000
Software Training - One Day                             2  1,000   2,000

TELLER PLUS INSTALLATION SUB-TOTAL                                          8,500
Installation Discount                                                      (1,696)

                                                                        ---------     ------
TELLER PLUS ORDER SUB-TOTAL                                              $ 17,264     $2,410
                                                                        ---------     ------

                                                                        ---------     ------
TELLER PLUS ORDER TOTAL                                                  $ 17,264     $2,410
                                                                        =========     ======
</TABLE>
(1)  InterCept annual Software License Fee.
(2)  Server operations Telephone Support from InterCept.
(3)  Dell 3 -Year On-Site Maintenance included.  Dell will bill Customer direct
     at then current rates after year 3.

                                  Page 2 of 2                       CONFIDENTIAL

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