0000950144-05-001928 Sample Contracts

FIRST AMENDMENT TO CREDIT AGREEMENT
Credit Agreement • March 1st, 2005 • United Community Banks Inc • State commercial banks • Wisconsin

THIS FIRST AMENDMENT TO CREDIT AGREEMENT is entered into and effective as of August 27, 2004, by and between UNITED COMMUNITY BANKS, INC., a Georgia corporation and bank holding company (the “Company”), and M&I MARSHALL & ILSLEY BANK (in its capacity as a Lender and as the Agent under the Credit Agreement, the “Bank”).

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SECOND AMENDMENT TO CREDIT AGREEMENT
Credit Agreement • March 1st, 2005 • United Community Banks Inc • State commercial banks • Wisconsin

THIS SECOND AMENDMENT TO CREDIT AGREEMENT is entered into and effective as of December ___, 2004, by and among UNITED COMMUNITY BANKS, INC., a Georgia corporation and bank holding company (the “Company”), M&I MARSHALL & ILSLEY BANK (“M&I”) and BANCORP BANK (“Bancorp”, M&I and Bancorp, each a “Lender” and collectively the “Lenders”) and M&I, in its capacity as Agent for and on behalf of the Lenders (the “Agent”).

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