UNITED COMMUNITY BANKS INC
EX-10.2 FORM OF STOCK OPTION AGREEMENT
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<DESCRIPTION>EX-10.2 FORM OF STOCK OPTION AGREEMENT
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<TITLE>EX-10.2 FORM OF STOCK OPTION AGREEMENT</TITLE>
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<DIV align="right" style="font-size: 10pt; margin-top: 12pt"><B>EXHIBIT 10.2</B>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>UNITED COMMUNITY BANKS, INC.<BR>
AMENDED AND RESTATED<BR>
2000 KEY EMPLOYEE STOCK OPTION PLAN</B>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>STOCK OPTION AGREEMENT<BR>
(Incentive Stock Option &#151; Executive Officer)</B>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
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    <TD width="45%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="25%">&nbsp;</TD>
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<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><B>Optionee:</B>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><B>Number of Shares:</B>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;Shares</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><B>Option Exercise Price:</B>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> per Share</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><B>Date of Grant:</B>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><B>Vesting Schedule:</B>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Per attached Optionee Statement<BR>
referred to herein as &#147;<B><I>Exhibit&nbsp;B</I></B>&#148;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><B>Territory:</B></DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
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</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>THIS OPTION AGREEMENT </B>(the &#147;<B><I>Agreement</I></B>&#148;) is entered into as of the <U>&#95;&#95;&#95;</U> day of
&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;, &#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;&#95;, by and between <B>UNITED COMMUNITY BANKS, INC.</B>, a Georgia corporation (the
&#147;<B><I>Company</I></B>&#148;), and the individual designated above (the &#147;<B><I>Optionee</I></B>&#148;).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>WHEREAS, </B>the United Community Banks, Inc. Amended and Restated 2000 Key Employee Stock Option
Plan (the &#147;Plan&#148;) was adopted by the Company, effective March&nbsp;15, 2007;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>WHEREAS, </B>the Optionee performs valuable services for the Company, a Subsidiary or one of their
affiliates; and
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>WHEREAS, </B>the Board of Directors of the Company or the committee responsible for the
administration of the Plan has determined to grant the Option to the Optionee as provided herein;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>NOW, THEREFORE, </B>for good and valuable consideration, the receipt and sufficiency of which is
hereby acknowledged, the parties hereto agree as follows:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>1.</B>&nbsp;&nbsp;&nbsp;<U><B>Grant of the Option</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>1.1 </B><U>Option.</U> An option to purchase shares of the Company&#146;s Common Stock, par value
$1.00 per share (the &#147;Shares&#148;), is hereby granted to the Optionee (the &#147;<B><I>Option</I></B>&#148;).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>1.2 </B><U>Number of Shares</U>. The number of Shares that the Optionee can purchase upon
exercise of the Option is set forth above.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>1.3 </B><U>Option Exercise Price</U>. The price the Optionee must pay to exercise the Option
(the &#147;<B><I>Option Exercise Price</I></B>&#148;) is set forth above.
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>1.4 </B><U>Date of Grant</U>. The date that the Option is granted (the &#147;<B><I>Date of Grant</I></B>&#148;) is set
forth above.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>1.5 </B><U>Type of Option</U>. The Option is intended to qualify as an Incentive Stock Option
within the meaning of Section&nbsp;422 of the Code; provided, however, that nothing in this Agreement
shall be interpreted as a representation, guarantee or other undertaking on the part of the Company
that the Option is or will be determined to be an Incentive Stock Option within the meaning of
Section&nbsp;422 of the Code. To the extent this Option is not treated as an Incentive Stock Option, it
will be treated as a Nonqualified Stock Option.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>1.6 </B><U>Construction</U>. This Agreement shall be construed in accordance and consistent
with, and subject to, the provisions of the Plan (the provisions of which are incorporated herein
by reference) and, except as otherwise expressly set forth herein, the capitalized terms used in
this Agreement shall have the same definitions as set forth in the Plan.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>1.7 </B><U>Execution of Agreement</U>. The Option is evidenced by this Agreement. If the
Optionee does not execute this Agreement within thirty (30)&nbsp;days of receiving the Agreement, the
Committee may in its discretion cancel the Option and this Agreement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>2.</B>&nbsp;&nbsp;&nbsp;<U><B>Duration</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Option shall be exercisable to the extent and in the manner provided herein for a period
of ten (10)&nbsp;years from the Date of Grant (the &#147;<B><I>Exercise Term</I></B>&#148;); provided, however, that the
Exercise Term may end earlier as provided in Sections&nbsp;5 and 13 hereof.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>3.</B>&nbsp;&nbsp;&nbsp;<U><B>Vesting</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Option shall vest and become exercisable in accordance with the vesting schedule specified
in <U>Exhibit&nbsp;B</U>. The Optionee may exercise the Option to the extent it is vested during the
Exercise Term, subject to any limitations on exercise contained in Section&nbsp;7 hereof.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>4.</B>&nbsp;&nbsp;&nbsp;<U><B>Manner of Exercise and Payment</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>4.1 </B><U>Delivery</U>. To exercise the Option, the Optionee must deliver a completed copy of
the Option Exercise Form, attached hereto as <U>Exhibit&nbsp;A</U> and incorporated herein by
reference, to the address indicated on such Form or such other address designated by the Company
from time to time. The Committee may establish a minimum number of Shares (e.g., 100) for which
the Option may be exercised at a particular time. Contemporaneously with the delivery of the
Option Exercise Form, the Optionee shall tender to the Company the aggregate Option Exercise Price
for the Shares as to which the Optionee is exercising the Option by (i)&nbsp;cash, check, or wire
transfer, (ii)&nbsp;delivering or properly attesting to ownership of Shares with a Fair Market Value at
the date of exercise equal to the aggregate Option Exercise Price for the Shares
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">as to which the
Optionee is exercising the Option, (iii)
a broker-assisted cashless exercise transaction through a brokerage firm designated by the
Optionee, or (iv)&nbsp;or by such other method of payment as may be acceptable to the Committee pursuant
to the Plan. The Company shall deliver to the Optionee certificates evidencing the Shares as to
which the Option was exercised within thirty (30)&nbsp;days of the date on which the Optionee delivers
the Option Exercise Form and makes payment of the aggregate Option Exercise Price to the Company or
shall make such Shares available for electronic delivery in the U.S. to an account the Optionee
designates in writing within three (3)&nbsp;business days after the date on which the Optionee delivers
the Option Exercise Form and makes payment of the aggregate Option Exercise Price to the Company,
and in either case such Shares shall be free and clear of all liens, security interests, pledges or
other claims or charges, except those provided in this Agreement or the Plan, or any other
agreement affecting the Shares. Notwithstanding the foregoing, if the Optionee is a non-exempt
employee for purposes of the Fair Labor Standards Act of 1938, the Optionee may not exercise any
Option prior to the date that is six (6)&nbsp;months after the Date of Grant unless the Optionee&#146;s
employment has terminated due to death, Disability, or Retirement after the Date of Grant.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>4.2 </B><U>No Rights as Shareholder</U>. The Optionee shall not be deemed to be the holder of,
or to have any of the rights of a holder with respect to any Shares subject to the Option until (i)
the Option shall have been exercised pursuant to the terms of this Agreement and the Optionee shall
have paid the full purchase price for the number of Shares in respect of which the Option was
exercised, (ii)&nbsp;the Company shall have issued and delivered the Shares to the Optionee, and (iii)
the Optionee&#146;s name shall have been entered as a shareholder of record on the books of the Company,
whereupon the Optionee shall have full voting and other ownership rights with respect to such
Shares, subject to divestment pursuant to Section&nbsp;13.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>5.</B>&nbsp;&nbsp;&nbsp;<U><B>Termination of Employment.</B></U>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>5.1 </B><U>Termination of Employment for Cause</U>. If the Optionee&#146;s employment is terminated
by the Company for Cause, the outstanding Option shall expire immediately, and the Optionee&#146;s right
to exercise the outstanding Option (whether vested or not vested) shall terminate immediately upon
the date of the Optionee&#146;s termination of employment.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>5.2 </B><U>Termination of Employment Without Cause or For Good Reason</U>.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;If the Optionee&#146;s employment with the Company and any Subsidiary is terminated
involuntarily by the Company without Cause or is terminated by the Optionee for Good Reason (as
defined in subsection (2)&nbsp;below), the Option shall continue to vest in accordance with the original
vesting schedule set forth in this Agreement (just as if the Optionee had remained employed) and
shall remain exercisable at any time prior to the expiration of the term of the Option. In the
event of the Optionee&#146;s death after a termination covered by this subsection 5.2, the Option shall
continue to vest and be exercisable in accordance with this subsection 5.2 as if the Optionee had
lived and the Option shall be exercisable by the persons described in Section&nbsp;5.4.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp;For purposes of this Option, the Optionee shall be entitled to terminate his employment
with the Company for Good Reason in the event, without the Optionee&#146;s express
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">written consent, of any one of the following acts by the Company, or failures by the Company to
act, unless, in the case of any act or failure to act described in paragraphs (i), (iii), or (iv)
below, such act or failure to act is corrected prior to the Optionee&#146;s date of termination:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) a material reduction in the Optionee&#146;s responsibilities at the Company; or
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) the required relocation of the Optionee&#146;s employment to a location outside
of the market area of the Company; or
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) a material reduction in the levels of coverage of the Optionee under the
Company&#146;s director and officer liability insurance policy or indemnification
commitments; or
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) a substantial reduction in the Optionee&#146;s base salary, a material
reduction in his incentive compensation or the taking of any action by the Company
which would, directly or indirectly, materially reduce any of the benefits provided
to the Optionee under any of the Company&#146;s pension, 401(k) deferred compensation,
life insurance, medical, accident or disability plans in which the Optionee is
participating.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Optionee&#146;s right to terminate employment for Good Reason shall not be affected by the
Optionee&#146;s incapacity due to physical or mental illness, except for a Disability as defined in the
Plan. The Optionee&#146;s continued employment shall not constitute consent to, or a waiver of rights
with respect to, any act or failure to act constituting Good Reason hereunder.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>5.3 </B><U>Termination of Employment Due to Retirement from the Company</U>. If the Optionee&#146;s
employment with the Company is terminated upon the Retirement of the Optionee, the outstanding
unvested portion of the Option shall continue to vest in accordance with the vesting schedule set
forth in this Agreement (just as if the Optionee had remained employed) and the Option (whether
vested or not vested as of the date of termination) shall remain exercisable at any time prior to
the expiration of the term of the Option.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>5.4 </B><U>Termination of Employment Due to Death</U>. If the Optionee dies while actively
employed by the Company, the outstanding unvested portion of the Option shall immediately vest, and
thereafter the Option shall remain exercisable at any time prior to its expiration date or for one
(1)&nbsp;year after the date of death, whichever period is shorter, (i)&nbsp;by such person(s) who have
acquired the Optionee&#146;s rights by will or the laws of descent and distribution, or (ii)&nbsp;if no such
person in (i)&nbsp;exists, by the executor or representative of the Optionee&#146;s estate.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>5.5 </B><U>Termination of Employment by Disability</U>. In the event the employment of the
Optionee is terminated by reason of Disability, the outstanding unvested portion of the Option
shall expire as of the date the Committee determines the definition of Disability to have been
satisfied by the Optionee, and the outstanding vested portion of the Option as of that date shall
remain exercisable
at any time prior to its expiration date, or for one (1)&nbsp;year after the Committee&#146;s determination
of Disability, whichever period is shorter.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>5.6 </B><U>Voluntary Termination of Employment</U>. If the Optionee voluntarily terminates his
or her employment with the Company (except for Good Reason or upon Retirement), the outstanding
unvested portion of the Option shall expire as of the date of
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">termination of employment, and the
vested portion of the Option as of the date of termination of employment shall remain exercisable
at any time prior to its expiration date or for three (3)&nbsp;months after the date of termination of
employment, whichever period is shorter.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>5.7 </B><U>Employment by Subsidiary</U>. For purposes of this Section and Sections&nbsp;8 and 13,
employment with the Company includes employment with any Subsidiary or service as a member of the
Board of Directors of the Company or a Subsidiary. A change of employment between the Company and
any Subsidiary or between Subsidiaries or a change in the nature of the Optionee&#146;s service
relationship with the Company and the Subsidiaries (e.g., from employee to Director) without any
interruption in the Optionee&#146;s provision of services is not a termination of employment under this
Agreement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>6.</B>&nbsp;&nbsp;&nbsp;<U><B>Nontransferability</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Option shall not be transferable other than by will or by the laws of descent and
distribution and during the lifetime of the Optionee. The Option shall be exercisable only by the
Optionee except as provided in Section&nbsp;5.4.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>7.</B>&nbsp;&nbsp;&nbsp;<U><B>Securities Laws Restrictions</B></U>.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Option may not be exercised at any time unless, in the opinion of counsel for the Company,
the issuance and sale of the Shares issued upon such exercise is exempt from registration under the
Securities Act of 1933, as amended, or any other applicable federal or state securities law, rule
or regulation, or the Shares have been duly registered under such laws. The Company intends to
register the Shares issuable upon the exercise of the Option; however, until the Shares have been
registered under all applicable laws, the Optionee shall represent, warrant and agree, as a
condition to the exercise of any Option, that the Shares are being purchased for investment only
and without a view to any sale or distribution of such Shares and that such Shares shall not be
transferred or disposed of in any manner without registration under such laws, unless it is the
opinion of counsel for the Company that such a disposition is exempt from such registration. The
Optionee acknowledges that an appropriate legend giving notice of the foregoing restrictions may
appear conspicuously on all certificates evidencing the Shares issued upon the exercise of the
Option.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>8.</B>&nbsp;&nbsp;&nbsp;<U><B>No Right to Continued Employment</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nothing in this Agreement or the Plan shall be interpreted or construed to confer upon the
Optionee any right with respect to continuance of employment by the Company or any Subsidiary, nor
shall this Agreement or the Plan interfere in any way with the right of the Company or a Subsidiary
to terminate the Optionee&#146;s employment at any time.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>9.</B>&nbsp;&nbsp;&nbsp;<U><B>Adjustments</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event of a change in capitalization, the Committee shall make appropriate adjustments
in accordance with the provisions of Section&nbsp;4.3 of the Plan. The adjustment shall be effective
and final, binding and conclusive for all purposes of the Plan and this Agreement.
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>10.</B>&nbsp;&nbsp;&nbsp;<U><B>Withholding of Taxes</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>10.1 </B>Prior to the issuance of Shares to the Optionee upon exercise of the Option, the Optionee
shall pay the federal, state, and local income taxes and other amounts as may be required by law to
be withheld (the &#147;<B><I>Withholding Taxes</I></B>&#148;) (if any) to the Company in cash or by check or wire transfer.
In satisfaction of the Withholding Taxes, the Optionee may make a written election (the &#147;Tax
Election&#148;) to satisfy such withholding obligation by a broker-assisted cashless exercise
transaction through a brokerage firm designated by the Optionee, by delivering Shares (that have
been owned by the Optionee for at least six (6)&nbsp;months or such other period as may be required by
the Committee) or by having the Company retain from the Shares to be delivered a number of Shares
having an aggregate Fair Market Value equal to the Withholding Taxes, provided that, if the
Optionee may be subject to liability under Section 16(b) of the Exchange Act, the election must
comply with the requirements applicable to Share transactions by the Optionee. The Company shall
have the right to deduct from any amounts payable to the Optionee for salary, bonuses or otherwise
an amount equal to Withholding Taxes with respect to the Option.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>10.2 </B>If the Optionee makes a disposition, within the meaning of Section 424(c) of the Code and
regulations promulgated thereunder, of any Share or Shares issued to him pursuant to his exercise
of the Option within the two-year period commencing on the day after the Date of Grant or within
the one-year period commencing on the day after the date of transfer of such Share or Shares to the
Optionee pursuant to such exercise, the Optionee shall, within ten (10)&nbsp;days of such disposition,
notify the Company thereof, by delivery of written notice to the Company at its principal executive
office, and immediately deliver to the Company the amount of Withholding Taxes.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>11.</B>&nbsp;&nbsp;&nbsp;<U><B>Optionee Bound by the Plan</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Optionee hereby acknowledges receipt of a copy of the Plan and agrees to be bound by all
the terms and provisions thereof.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>12.</B>&nbsp;&nbsp;&nbsp;<U><B>Modification of Agreement</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as expressly otherwise provided herein, this Agreement may not be modified, amended,
suspended or terminated, and any terms or conditions may not be waived, except by a written
instrument executed by the parties hereto.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>13.</B>&nbsp;&nbsp;&nbsp;<U><B>Cancellation and Rescission of Awards; Return of Profits</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>13.1 </B>If, during his employment with the Company or at any time during the one (1)&nbsp;year after the Date of Termination, the Optionee violates the
restrictive covenants set forth in Section&nbsp;13.2 below, then the Committee shall, notwithstanding
any other
provision in this Agreement to the contrary, (i)&nbsp;cancel any outstanding portion of the Option
(whether or not vested), and (ii)&nbsp;repurchase any Shares issued to the Optionee pursuant to exercise
of the Option during the period six (6) months prior to and one (1)
year after the Date of Termination at a per Share repurchase price equal to the Option Exercise Price, and require the
Optionee to pay to the Company any gain realized by Optionee from the sale of Shares issued to the
Optionee pursuant to exercise of the Option during such period.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->6<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>13.2 </B>The Optionee will not directly or indirectly, individually, or on behalf of any Person
other than the Company or a Subsidiary:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) solicit any Customers for the purpose of providing services identical to or reasonably
substitutable for the Company&#146;s Business;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) solicit or induce, or in any manner attempt to solicit or induce, any Person employed by
the Company to leave such employment, whether or not such employment is pursuant to a written
contract with the Company or any Subsidiary or is at will;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) engage in the Company&#146;s Business within the Territory or accept employment or
engagement within the Territory as a director, officer, executive, manager, or business
consultant for any Person engaging in the Company&#146;s Business; or
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) knowingly or intentionally damage or destroy the goodwill and esteem of the
Company, any Subsidiary, the Company&#146;s Business or the Company&#146;s or any Subsidiary&#146;s
suppliers, employees, patrons, customers, and others who may at any time have or have had
relations with the Company or any Subsidiary.
</DIV>

<DIV align="left" style="margin-left: 0%; text-indent: 0%; margin-right: 0%; font-size: 10pt; margin-top: 6pt">The Optionee further agrees that he or she will not, except as necessary to carry out his duties as
an employee of the Company, disclose or use Confidential Information. The Optionee further agrees
that, upon termination or expiration of employment with the Company for any reason whatsoever or at
any time, the Optionee will upon request by the Company deliver promptly to the Company all
materials (including electronically-stored materials), documents, plans, records, notes, or other
papers, and any copies in the Optionee&#146;s possession or control, relating in any way to the
Company&#146;s Business, which at all times shall be the property of the Company.</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>13.3 </B>For purposes of this Section&nbsp;13, the following terms shall have the meanings specified
below:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) &#147;<B><I>Company&#146;s Business</I></B>&#148; means the business of operating a commercial or retail bank,
savings association, mutual thrift, credit union, trust, or other business or financial
services organization or entity.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) &#147;<B><I>Confidential Information</I></B>&#148; means information, without regard to form, relating to
the Company&#146;s or any Subsidiary&#146;s customers, operation, finances, and business that derives
economic value, actual or potential, from not being generally known to other Persons,
including, but not limited to, technical or non-technical data (including personnel data),
formulas, patterns, compilations (including compilations of customer
information), programs, devices, methods, techniques, processes, financial data or
lists of actual or potential customers (including identifying information about customers),
whether or not in writing. Confidential Information includes information disclosed to the
Company or any Subsidiary by third parties that the Company or any Subsidiary is obligated
to maintain as confidential. Confidential Information subject to this Agreement may include
information that is not a trade secret under applicable law, but information not
constituting a trade secret only shall be treated as Confidential Information under this
Agreement for a two (2)&nbsp;year period after the Date of Termination.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->7<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) &#147;<B><I>Customers</I></B>&#148; means all Persons that (1)&nbsp;the Optionee serviced or solicited on
behalf of the Company or any Subsidiary, (2)&nbsp;whose dealings with the Company or any
Subsidiary were coordinated or supervised, in whole or in part, by the Optionee, or (3)
about whom the Optionee obtained Confidential Information, in each case during the term of
this Agreement or while otherwise employed by the Company.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) &#147;<B><I>Date of Termination</I></B>&#148; means the date upon which the Optionee&#146;s employment with the
Company ceases for any reason.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) &#147;<B><I>Person</I></B>&#148; means any individual, corporation, bank, partnership, joint venture,
association, joint-stock company, trust, unincorporated organization or other entity.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>14.</B>&nbsp;&nbsp;&nbsp;<U><B>Severability</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Should any provision of this Agreement be held by a court of competent jurisdiction to be
unenforceable or invalid for any reason, the remaining provisions of this Agreement shall not be
affected by such holding and shall continue in full force in accordance with their terms.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>15.</B>&nbsp;&nbsp;&nbsp;<U><B>Governing Law</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The validity, interpretation, construction and performance of this Agreement shall be governed
by the laws of the United States and the laws of the State of Georgia without giving effect to the
conflicts of laws principles thereof.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>16.</B>&nbsp;&nbsp;&nbsp;<U><B>Successors in Interest</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Agreement shall be binding upon, and inure to the benefit of, the Company and its
successors and assigns, and upon any person acquiring, whether by merger, consolidation,
reorganization, purchase of stock or assets, or otherwise, all or substantially all of the
Company&#146;s assets and business. This Agreement shall inure to the benefit of the Optionee&#146;s heirs
and legal representatives. All obligations imposed upon the Optionee and all rights granted to the
Company under this Agreement shall be final, binding and conclusive upon the Optionee&#146;s heirs,
executors, administrators and successors.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>17.</B>&nbsp;&nbsp;&nbsp;<U><B>Entire Agreement</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Agreement and the Plan contain the entire agreement and understanding of the parties
hereto with respect to the subject matter contained herein and supersede all prior communications,
representations and negotiations in respect thereto.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->8<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>18.</B>&nbsp;&nbsp;&nbsp;<U><B>Resolution of Disputes</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any dispute or disagreement which may arise under, or as a result of, or in any way relate to,
the interpretation, construction or application of this Agreement and the Plan shall be determined
by the Committee. Any determination made by the Committee shall be final, binding and conclusive
on the Optionee and the Company and their successors, assigns, heirs, executors, administrators and
legal representatives for all purposes.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>19.</B>&nbsp;&nbsp;&nbsp;<U><B>Legal Construction</B></U><B>.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The legal construction and interpretation of this Agreement (including, but not limited to,
issues of gender, plural or singular, governing law and severability) shall be governed by the
provisions of Article&nbsp;19 of the Plan.
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>&#091;EXECUTION PAGE FOLLOWS&#093;</B>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->9<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">




<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>IN WITNESS WHEREOF</B>, the parties have executed this Agreement as of the date first above
written.
</DIV>

<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left"><B>UNITED COMMUNITY BANKS, INC.</B><BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000" align="left">/s/
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD valign="top">Name:&nbsp;&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD valign="top">Title:&nbsp;&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By signing below, the Optionee hereby accepts the Option subject to all its terms and
provisions and agrees to be bound by the terms and provisions of this Agreement and the Plan. The
Optionee hereby agrees to accept as binding, conclusive and final all decisions or interpretations
of the Board of Directors of the Company, or the Compensation Committee or other Committee
responsible for the administration of the Plan, upon any questions arising under the Plan. The
Optionee authorizes the Company to withhold, in accordance with applicable law, from any
compensation payable to him or her, any taxes required to be withheld by federal, state, local or
foreign law as a result of the grant, existence or exercise of the Option, or subsequent sale of
the Shares.
</DIV>

<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left"><B>OPTIONEE</B><BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000" align="left">/s/
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD valign="top">Name:&nbsp;&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>&#091;EXHIBITS FOLLOW&#093;</B>
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio -->10<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">




<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>EXHIBIT A</B></U>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>OPTION EXERCISE FORM</B></U>
</DIV>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I, <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, do hereby exercise the Option with a Date of Grant of
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> granted to me by the Option Agreement executed in connection therewith.
The number of Shares being purchased, the Exercise Price and the Total Option Exercise Price are
set forth below:
</DIV>
<DIV align="left">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="70%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="45%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Number of Shares:
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> Shares</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Option Exercise Price Per Share
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">x
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$ <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> per Share</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Total Option Exercise Price:
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">=
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">$ <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt">The Total Option Exercise Price is included with this Form.
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="45%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Date: <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Signature</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt">Send or deliver this Form with an original signature to
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">United Community Banks, Inc.<BR>
P.O. Box 398, 59 Highway 515<BR>
Blairsville, GA 30512<BR>
Attn: <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>

</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->11<!-- /Folio -->
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