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DOCUMENT TITLE:  UNITED COMMUNITY BANKSHARES OF FLORIDA, INC. OFFICERS' AND EMPLOYEES' STOCK OPTION PLAN .
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Clause Heading
2.1 - Name.
2.2 - Purpose.
2.3 - Effective Date.
2.4 - Participants.
3.1 - Stock Option Committee.
3.2 - Power of the Stock Option Committee.
4.1 - Limitations.
4.2 - Options Granted Under Plan.
4.3 - Stock Adjustments; Mergers.
4.4 - Change of Control.
5.1 - Option Grant and Agreement.
5.2 - Option Price.
5.3 - Option Exercise.
5.4 - Nontransferability of Option.
5.6 - Rights as Shareholder.
5.5 - Effect of Death, Disability, Retirement, or Other Termination of Service.
5.7 - Investment Intent.
6.1 - Requirements.
6.2 - Grant Period.
6.3 - Eligibility.
6.4 - Special Rule Regarding Exercisability.
ARTICLE VII - Nonstatutory Stock Options
ARTICLE VIII - Stock Certificates
ARTICLE IX - Termination, Amendment, and Modification of Plan
10.1 - Continued Employment Not Presumed.
10.2 - Other Compensation Plans.
10.3 - Plan Binding on Successors.
10.4 - Singular, Plural; Gender.
10.5 - Applicable Law.
10.7 - Severability.