Document:

<PAGE>

                                 EXHIBIT 10.2
                                 ------------

                                PROMISSORY NOTE

<TABLE>
<CAPTION>

------------------------------------------------------------------------------------------------------------------------------------
 Principal         Loan Date        Maturity        Loan No.        Call/Coll        Account        Officer        Initials
<S>               <C>              <C>              <C>             <C>              <C>            <C>            <C>
$750,000.00       10-11-2003       04-24-2002                                                        JBS
------------------------------------------------------------------------------------------------------------------------------------
 References in the shaded area are for Lender's use only and do not limit the
        applicability of this document to any particular loan or item.
          Any item above containing ** * ** has been omitted due to
                           text length limitations.
------------------------------------------------------------------------------------------------------------------------------------

Borrower:  United Commercial Bank (IO)                        Lender:  The Bankers Bank
           356 Powder Springs Street                                   2410 Paces Ferry Road
           Marietta, GA 30168                                          600 Paces Summit
                                                                       Atlanta, GA 30339

====================================================================================================================================

Principal Amount:  $750,000.00            Initial Rate:  4.500%           Date of Note:  October 11, 2001
</TABLE>

PROMISE TO PAY. United Commercial Bank (IO) ("Borrower") promises to pay to The
Bankers Bank ("Lender"), or order, in lawful money of the United States of
America, the principal amount of Seven Hundred Fifty Thousand & 00/100 Dollars
($750,000.00) or so much as may be outstanding, together with interest on the
unpaid outstanding principal balance of each advance. Interest shall be
calculated from the date of each advance until repayment of each advance.

PAYMENT. Borrower will pay this loan in one payment of all outstanding principal
plus all accrued unpaid interest on April 24, 2002. In addition, Borrower will
pay regular monthly payments of all accrued unpaid interest due as of each
payment date, beginning November 24, 2001, with all subsequent interest payments
to be due on the same day of each month after that. Unless otherwise agreed or
required by applicable law, payments will be applied first to any unpaid
collection costs and any late charges, then to any unpaid interest, and any
remaining amount to principal. The annual interest rate for this Note is
computed on a 365/360 basis; that is, by applying the ratio of the annual
interest rate over a year of 360 days, multiplied by the outstanding principal
balance, multiplied by the actual number of days the principal balance is
outstanding. Borrower will pay Lender at Lender's address shown above or at such
other place as Lender may designate in writing.

VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from
time to time based on changes in an independent index which is the Prime Rate as
published in the Money Rates section of the Wall Street Journal, Eastern
Edition, printed edition, (the "Index"). The Index is not necessarily the lowest
rate charged by Lender on its loans. If the Index becomes unavailable during the
term of this loan, Lender may designate a substitute Index after notice to
Borrower. Lender will tell Borrower the current Index rate upon Borrower's
request. The interest rate change will not occur more often than each day.
Borrower understands that Lender may make loans based on other rates as well.
The Index currently is 5.500% per annum. The interest rate to be applied to the
unpaid principal balance of this Note will be at a rate of 1.000 percentage
point under the Index, resulting in an initial annual rate of simple interest of
4.500%. NOTICE: Under no circumstances will the interest rate on this Note be
more than the maximum rate allowed by applicable law.

PREPAYMENT. Borrower may pay without penalty all or a portion of the amount owed
earlier than it is due. Early payments will not, unless agreed to by Lender in
writing, relieve Borrower of Borrower's obligation to continue to make payments
of accrued unpaid interest. Rather, early payments will reduce the principal
balance due. Borrower agrees not to send Lender payments marked "paid in full",
"without recourse", or similar language. If Borrower sends such a payment,
Lender may accept it without losing any of Lender's rights under this Note, and
Borrower will remain obligated to pay any further amount owed to Lender. All
written communications concerning disputed amounts, including any check or other
payment instrument that indicates that the payment constitutes "payment in full"
of the amount owed or that is tendered with other conditions or limitations or
as full satisfaction of a disputed amount must be mailed or delivered to: The
Bankers Bank, 2410 Paces Ferry Road, 600 Paces Summit, Atlanta, GA 30339.

LATE CHARGE. If a payment is 15 days or more late, Borrower will be charged
$100.00, regardless of any partial payments Lender has received.

INTEREST AFTER DEFAULT. Upon default, including failure to pay upon final
maturity, at Lender's option, and if permitted by applicable law, Lender may add
any unpaid accrued interest to principal and such sum will bear interest
therefrom until paid at the rate provided in this Note (including any increased
rate). Upon default, Lender, at its option, may, if permitted under applicable
law, increase the variable interest rate on this Note 3.000 percentage points.
The interest rate will not exceed the maximum rate permitted by applicable law.

DEFAULT. Each of the following shall constitute an event of default ("Event of
Default") under this Note:

     Payment Default. Borrower fails to make any payment when due under this
     Note.

     Other Defaults. Borrower fails to comply with or to perform any other
     term, obligation, covenant or condition contained in this Note or in any
     of the related documents or to comply with or to perform any term,
     obligation, covenant or condition contained in any other agreement between
     Lender and Borrower.

     Default in Favor of Third Parties. Borrower or any Grantor defaults under
     any loan, extension of credit, security agreement, purchase or sales
     agreement, or any other agreement, in favor of any other creditor or person
     that may materially affect any of Borrower's property or Borrower's ability
     to repay this Note or perform Borrower's obligations under this Note or any
     of the related documents.

     False Statements. Any warranty, representation or statement made or
     furnished to Lender by Borrower or on Borrower's behalf under this Note or
     the related documents is false or misleading in any material respect,
     either now or at the time made or furnished or becomes false or misleading
     at any time thereafter.

     Death or insolvency. The death of Borrower or the dissolution or
     termination of Borrower's existence as a going business, the insolvency of
     Borrower, the appointment of a receiver for any part of Borrower's
     property, any assignment for the benefit of creditors, any type of creditor
     workout, or the commencement of any proceeding under any bankruptcy or
     insolvency laws by or against Borrower.

     Creditor or Forfeiture Proceedings. Commencement of foreclosure or
     forfeiture proceedings, whether by judicial proceedings, self-help,
     repossession or any other method, by any creditor of Borrower or by any
     governmental agency against any collateral securing the loan. This includes
     a garnishment of any of Borrower's accounts, including deposit accounts,
     with Lender. However, this Event of Default shall not apply if there is a
     good faith dispute by Borrower as to the validity or reasonableness of the
     claim which is the basis of the creditor or forfeiture proceeding, and if
     Borrower gives Lender written notice of the creditor or forfeiture
     proceeding and deposits with Lender monies or a surety bond for the
     creditor or forfeiture proceeding in an amount determined by Lender, in its
     sole discretion, as being an adequate reserve or bond for the dispute.

     Events Affecting Guarantor. Any of the preceding events occurs with respect
     to any Guarantor of any of the indebtedness or any Guarantor dies or
     becomes incompetent, or revokes or disputes the validity of, or liability
     under, any guaranty of the indebtedness evidenced by this Note. In the
     event of a death, Lender, at its option, may, but shall not be required to,
     permit the Guarantor's estate to assume unconditionally the obligations
     arising under the guaranty in a manner satisfactory to Lender, and, in
     doing so, cure any Event of Default.

     Adverse Change. A material adverse change occurs in Borrower's financial
     condition, or Lender believes the prospect of payment or performance of
     this Note is impaired.

     Cure Provisions. If any default, other than a default in payment is curable
     and if Borrower has not been given a notice to a breach-of the same

<PAGE>

                                PROMISSORY NOTE
                                  (Continued)                             Page 2
--------------------------------------------------------------------------------
   provision of this Note within the preceding twelve (12) months, it may be
   cured (and no event of default will have occurred) if Borrower, after
   receiving written notice from Lender demanding cure of such default: (1)
   cures the default within fifteen (15) days; or (2) if the cure requires more
   than fifteen (15) days, immediately initiates steps which Lender deems in
   Lender's sole discretion to be sufficient to cure the default and thereafter
   continues and completes all reasonable and necessary steps sufficient to
   produce compliance as soon as reasonably practical.

LENDER'S RIGHTS. Upon default, Lender may declare the entire unpaid principal
balance on this Note and all accrued unpaid interest immediately due, and then
Borrower will pay that amount.

ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else to help collect
this Note if Borrower does not pay. Borrower will pay Lender that amount. This
includes, subject to any limits under applicable law, Lender's costs of
collection, including court costs and fifteen percent (15%) of the principal
plus accrued interest as attorneys' fees, if any sums owing under this Note are
collected by or through an attorney at law, whether or not there is a lawsuit,
and legal expenses for bankruptcy proceedings (including efforts to modify or
vacate any automatic stay or injunction), and appeals. If not prohibited by
applicable law, Borrower also will pay any court costs, in addition to all other
sums provided by law.

GOVERNING LAW. This Note will be governed by, construed and enforced in
accordance with federal law and the laws of the State of Georgia. This Note has
been accepted by Lender in the State of Georgia.

CHOICE OF VENUE. If there is a lawsuit, Borrower agrees upon Lender's request to
submit to the jurisdiction of the courts of Cobb County, State of Georgia.

RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a
right of setoff in all Borrower's accounts with Lender (whether checking,
savings, or some other account). This includes all accounts Borrower holds
jointly with someone else and all accounts Borrower may open in the future.
However, this does not include any IRA or Keogh accounts, or any trust accounts
for which setoff would be prohibited by law. Borrower authorizes Lender, to the
extent permitted by applicable law, to charge or setoff all sums owing on the
debt against any and all such accounts.

LINE OF CREDIT. This Note evidences a straight line of credit. Once the total
amount of principal has been advanced, Borrower is not entitled to further loan
advances. Advances under this Note, as well as directions for payment from
Borrower's accounts, may be requested orally or in writing by Borrower or by an
authorized person. Lender may, but need not, require that all oral requests be
confirmed in writing. Borrower agrees to be liable for all sums either: (A)
advanced in accordance with the instructions of an authorized person or (B)
credited to any of Borrower's accounts with Lender. The unpaid principal balance
owing on this Note at any time may be evidenced by endorsements on this Note or
by Lender's internal records, including daily computer print-outs. Lender will
have no obligation to advance funds under this Note if: (A) Borrower or any
guarantor is in default under the terms of this Note or any agreement that
Borrower or any guarantor has with Lender, including any agreement made in
connection with the signing of this Note; (B) Borrower or any guarantor ceases
doing business or is insolvent; (C) any guarantor seeks, claims or otherwise
attempts to limit, modify or revoke such guarantor's guarantee of this Note or
any other loan with Lender; or (D) Borrower has applied funds provided pursuant
to this Note for purposes other than those authorized by Lender.

SUCCESSOR INTERESTS. The terms of this Note shall be binding upon Borrower, and
upon Borrower's heirs, personal representatives, successors and assigns, and
shall inure to the benefit of Lender and its successors and assigns.

GENERAL PROVISIONS. Lender may delay or forgo enforcing any of its rights or
remedies under this Note without losing them. Borrower and any other person who
signs, guarantees or endorses this Note, to the extent allowed by law, waive
presentment, demand for payment, and notice of dishonor. Upon any change in the
terms of this Note, and unless otherwise expressly stated in writing, no party
who signs this Note, whether as maker, guarantor, accommodation maker or
endorser, shall be released from liability. All such parties waive any right to
require Lender to take action against any other party who signs this Note as
provided in O.C.G.A. Section 10-7-24 and agree that Lender may renew or extend
(repeatedly and for any length of time) this loan or release any party of
guarantor or collateral; or impair, fail to realize upon or perfect Lender's
security interest in the collateral; and take any other action deemed necessary
by Lender without the consent of or notice to anyone. All such parties also
agree that Lender may modify this loan without the consent of or notice to
anyone other than the party with whom the modification is made. The obligations
under this Note are joint and several.

THIS NOTE IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS NOTE IS AND SHALL
CONSTITUTE AND HAVE THE EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW.

BORROWER:

x /s/ Ronnie L. Austin                      (Seal)
 -------------------------------------------
 United Commerical Bank (IO), individually

LENDER:

THE BANKERS BANK

x
 -------------------------------------------
 Authorized Signer

--------------------------------------------------------------------------------
                              XXXXXXXXXXXXXXXXXX<PAGE>

                                                                    EXHIBIT 10.3

                               ESCROW AGREEMENT

     THIS ESCROW AGREEMENT (this "Agreement") is entered into and effective as
of the 26th day of October 2001, by and between UCB Financial Group, Inc., a
corporation (the "Company"), and The Bankers Bank (the "Escrow Agent").

                             W I T N E S S E T H:
                             --------------------

     WHEREAS, the Company proposes to offer and sell (the "Offering") up to
1,200,000 shares of Common Stock, no par value per share (the "Shares"), to
                                  --
investors at $10.00 per Share pursuant to a registered public offering; and

     WHEREAS, the Company desires to establish an escrow for funds forwarded by
subscribers for Shares, and the Escrow Agent is willing to serve as Escrow Agent
upon the terms and conditions herein set forth.

     NOW, THEREFORE, in consideration of the premises and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

     1.   Deposit with Escrow Agent.
          -------------------------

     (a)  The Escrow Agent agrees that it will from time to time accept, in its
capacity as escrow agent, subscription funds for the Shares (the "Escrowed
Funds") in the form of checks received by the Company from subscribers. All
checks shall be made payable to the Escrow Agent. If any check does not clear
normal banking channels in due course, the Escrow Agent will promptly notify the
Company. Any check which does not clear normal banking channels and is returned
by the drawer's bank to Escrow Agent will be promptly turned over to the Company
along with all other subscription documents relating to such check. Any check
received that is made payable to a party other than the Escrow Agent shall be
returned to the Company for return to the proper party. The Company in its sole
and absolute discretion may reject any subscription for shares for any reason
and upon such rejection it shall notify and instruct the Escrow Agent in writing
to return the Escrowed Funds by check made payable to the subscriber. If the
Company rejects or cancels any subscription for any reason the Company will
retain any interest earned on the Escrowed Funds to help defray organizational
costs.

     (b)  Subscription agreements for the Shares shall be reviewed for accuracy
by the Company and, immediately thereafter, the Company shall deliver to the
Escrow Agent the following information: (i) the name and address of the
subscriber; (ii) the number of Shares subscribed for by such subscriber; (iii)
the subscription price paid by such subscriber; (iv) the subscriber's tax
identification number certified by such subscriber; and (v) a copy of the
subscription agreement.

     2.   Investment of Escrowed Funds.  Upon collection of each check by the
          ----------------------------
Escrow Agent, the Escrow Agent shall invest the funds in deposit accounts or
certificates of deposit which are fully insured by the Federal Deposit Insurance
Corporation or another agency of the

                                       1
<PAGE>

United States government, short-term securities issued or fully guaranteed by
the United States government, federal funds, or such other investments as the
Escrow Agent and the Company shall agree. The Company shall provide the Escrow
Agent with instructions from time to time concerning in which of the specific
investment instruments described above the Escrowed Funds shall be invested, and
the Escrow Agent shall adhere to such instructions. Unless and until otherwise
instructed by the Company, the Escrow Agent shall by means of a "Sweep" or other
automatic investment program invest the Escrowed Funds in blocks of $1,000 in
federal funds. Interest and other earnings shall start accruing on such funds as
soon as such funds would be deemed to be available for access under applicable
banking laws and pursuant to the Escrow Agent's own banking policies.

     3.   Distribution of Escrowed Funds.  The Escrow Agent shall distribute the
          ------------------------------
Escrowed Funds in the amounts, at the times, and upon the conditions hereinafter
set forth in this Agreement.

     (a)  If at any time on or prior to the expiration date of the offering as
described in the offering circular relating to the offering, (the "Closing
Date"), (i) the Escrow Agent has certified to the Company in writing that the
Escrow Agent has received at least $10,000,000 in Escrowed Funds, and (ii) the
Escrow Agent has received a certificate from the President or the Chairman of
the Board of the Company that all other conditions to the release of funds as
described in the Company's offering circular pertaining to the public offering
have been met, then the Escrow Agent shall deliver the Escrowed Funds to the
company to the extent such Escrowed Funds are collected funds. If any portion of
the Escrowed Funds are not collected funds, then the Escrow Agent shall notify
the Company of such fact and shall distribute such funds to the Company only
after such funds become collected funds. For purposes of this Agreement,
"collected funds" shall mean all funds received by the Escrow Agent, which have
cleared normal banking channels.

     (b)  If the Escrowed Funds do not, on or prior to the Closing Date, become
deliverable to the Company based on failure to meet the conditions described in
Paragraph 3(a), or if the Company terminates the offering at any time prior to
the Closing Date and delivers written notice to the Escrow Agent of such
termination (the "Termination Notice"), the Escrow Agent shall return the
Escrowed Funds which are collected funds as directed in writing by the Company
to the respective subscribers in amounts equal to the subscription amount
theretofore paid by each of them. All uncleared checks representing Escrowed
Funds which are not collected funds as of the Initial Closing Date shall be
collected by the Escrow Agent, and together with all related subscription
documents thereof shall be delivered to the Company by the Escrow Agent, unless
the Escrow Agent is otherwise specifically directed in writing by the Company.

     4.   Distribution of Interest.  Any interest earned on the Escrowed Funds
          ------------------------
shall be retained by the Company.

     5.   Fee of Escrow Agent.   The escrow account will accrue a service charge
          -------------------
of $15.00 per month. In addition, a $20.00 per check fee will be charged if the
escrow account has to be refunded due to a failure to complete the subscription.
All of these fees are payable upon the release of the Escrowed Funds, and the
Escrow Agent is hereby authorized to deduct such fees from the Escrowed Funds
prior to any release thereof pursuant to Section 3 hereof.

                                       2
<PAGE>

6.   Liability of Escrow Agent.
     -------------------------

     (a)  In performing any of its duties under the Agreement, or upon the
claimed failure to perform its duties hereunder, the Escrow Agent shall not be
liable to anyone for any damages, losses or expenses which it may incur as a
result of the Escrow Agent so acting, or failing to act; provided, however, the
Escrow Agent shall be liable for damages arising out of its willful default or
misconduct or its gross negligence under this Agreement.  Accordingly, the
Escrow Agent shall not incur any such liability with respect to (i) any action
taken or omitted to be taken in good faith upon advice of its counsel or counsel
for the Company which is given with respect to any questions relating to the
duties and responsibilities of the Escrow Agent hereunder; or (ii) any action
taken or omitted to be taken in reliance upon any document, including any
written notice or instructions provided for this Escrow Agreement, not only as
to its due execution and to the validity and effectiveness of its provisions but
also as to the truth and accuracy of any information contained therein, if the
Escrow Agent shall in good faith believe such document to be genuine, to have
been signed or presented by a proper person or persons, and to conform with the
provisions of this Agreement.

     (b)  The Company agrees to indemnify and hold harmless the Escrow Agent
against any and all losses, claims, damages, liabilities and expenses,
including, without limitation, reasonable costs of investigation and counsel
fees and disbursements which may be imposed by the Escrow Agent or incurred by
it in connection with its acceptance of this appointment as Escrow Agent
hereunder or the performance of its duties hereunder, including, without
limitation, any litigation arising from this Escrow Agreement or involving the
subject matter thereof; except, that if the Escrow Agent shall be found guilty
of willful misconduct or gross negligence under this Agreement, then, in that
event, the Escrow Agent shall bear all such losses, claims, damages and
expenses.

     (c)  If a dispute ensues between any of the parties hereto which, in the
opinion of the Escrow Agent, is sufficient to justify its doing so, the Escrow
Agent shall retain legal counsel of its choice as it reasonably may deem
necessary to advise it concerning its obligations hereunder and to represent it
in any litigation to which it may be a part by reason of this Agreement. The
Escrow Agent shall be entitled to tender into the registry or custody of any
court of competent jurisdiction all money or property in its hands under the
terms of this Agreement, and to file such legal proceedings as it deems
appropriate, and shall thereupon be discharged from all further duties under
this Agreement. Any such legal action may be brought in any such court as the
Escrow Agent shall determine to have jurisdiction thereof. In connection with
such dispute, the Company shall indemnify the Escrow Agent against its court
costs and reasonable attorney's fees incurred.

     (d)  The Escrow Agent may resign at any time upon giving thirty (30) days
written notice to the Company. If a successor escrow agent is not appointed by
Company within thirty (30) days after notice of resignation, the Escrow Agent
may petition any court of competent jurisdiction to name a successor escrow
agent and the Escrow Agent herein shall be fully relieved of all liability under
this Agreement to any and all parties upon the transfer of the Escrowed Funds
and all related documentation thereto, including appropriate information to
assist the successor escrow agent with the reporting of earnings of the Escrowed
Funds to the appropriate state and federal agencies in accordance with the
applicable state and federal income tax laws, to

                                       3
<PAGE>

the successor escrow agent designated by the Company appointed by the court.

     7.   Appointment of Successor.  The Company may, upon the delivery of
          ------------------------
thirty (30) days written notice appointing a successor escrow agent to the
Escrow Agent, terminate the services of the Escrow Agent hereunder. In the event
of such termination, the Escrow Agent shall immediately deliver to the successor
escrow agent selected by the Company, all documentation and Escrowed Funds
including interest earnings thereon in its possession, less any fees and
expenses due to the Escrow Agent or required to be paid by the Escrow Agent to a
third party pursuant to this Agreement.

     8.   Notice.  All notices, requests, demands and other communications or
          ------
deliveries required or permitted to be given hereunder shall be in writing and
shall be deemed to have been duly given three days after having been deposited
for mailing if sent by registered mail, or certified mail return receipt
requested, or delivery by courier, to the respective addresses set forth below:

If to the subscribers for Shares:       To their respective addresses as
                                        specified in their Subscription
                                        Agreements.

The Company:                            UCB Financial Group, Inc.
                                        5660 New Northside Drive, Suite 200
                                        Atlanta, Georgia  30328
                                        Attention:  Ronnie L. Austin
                                           Chief Executive Officer and President

With a copy to:                         Miller & Martin LP
                                        1275 Peachtree Street, 7/th/ Floor
                                        Atlanta, Georgia  30309-3576
                                        Attention:  T. Kennedy Carroll, Jr.,
                                           Esquire

The Escrow Agent:                       The Bankers Bank
                                        2410 Paces Ferry Road
                                        600 Paces Summit
                                        Atlanta, GA 30339-4098
                                        Attention:  Mrs. Ivy G. Anderson
                                                    First Vice President

     9.   Representations of the Company.  The Company hereby acknowledges that
          ------------------------------
the status of the Escrow Agent with respect to the offering of the Shares is
that of agent only for the limited purposes herein set forth, and hereby agrees
it will not represent or imply that the Escrow Agent, by serving as the Escrow
Agent hereunder or otherwise, has investigated the desirability or advisability
in an investment in the Shares, or has approved, endorsed or passed upon the
merits of the Shares, nor shall the Company use the name of the Escrow Agent in
any manner whatsoever in connection with the offer or sale of the Shares, other
than by acknowledgment that it has agreed to serve as Escrow Agent for the
limited purposes herein set forth.

                                       4
<PAGE>

10.  General.
     -------

     (a) This Agreement shall be governed by and construed and enforced in
accordance with the laws of the State of Georgia.

     (b) The section headings contained herein are for reference purposes only
and shall not in any way affect the meaning or interpretation of this Agreement.

     (c) This Agreement sets forth the entire agreement and understanding of the
parties with regard to this escrow transaction and supersedes all prior
agreements, arrangements and understandings relating to the subject matter
hereof.

     (d) This Agreement may be amended, modified, superseded or canceled, and
any of the terms or conditions hereof may be waived, only by a written
instrument executed by each party hereto or, in the case of a waiver, by the
party waiving compliance. The failure of any part at any time or times to
require performance of any provision hereof shall in no manner affect the right
at a later time to enforce the same. No waiver in any one or more instances by
any part of any condition, or of the breach of any term contained in this
Agreement, whether by conduct or otherwise, shall be deemed to be, or construed
as, a further or continuing waiver of any such condition or breach, or a waiver
of any other condition or of the breach of any other terms of this Agreement.

     (e) This Agreement may be executed simultaneously in two or more
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument.

     (f) This Agreement shall inure to the benefit of the parties hereto and
their respective administrators, successors and assigns. The Escrow Agent shall
be bound only by the terms of this Escrow Agreement and shall not be bound by or
incur any liability with respect to any other agreement or understanding between
the parties except as herein expressly provided. The Escrow Agent shall not have
any duties hereunder except those specifically set forth herein.

     (g) No interest in any part to this Agreement shall be assignable in the
absence of a written agreement by and between all the parties to this Agreement,
executed with the same formalities as this original Agreement.

     IN WITNESS WHEREOF, the parties have duly executed this Agreement as the
date first written above.

COMPANY:                                ESCROW AGENT:

UCB FINANCIAL GROUP, INC.               THE BANKERS BANK

By:   /s/ Ronnie L. Austin              By:  /s/ Ivy G. Anderson
    --------------------------------        ----------------------------------
          Ronnie L. Austin                       Ivy G. Anderson
          Chief Executive Officer &              First Vice President
          President

                                       5

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