0001107049-03-000156 Sample Contracts

SETTLEMENT AGREEMENT AND FULL AND FINAL RELEASE OF CLAIMS
Settlement Agreement • February 21st, 2003 • United Community Banks Inc • State commercial banks • Georgia

This Settlement Agreement and Full and Final Release of Claims (“Agreement”) is made and entered into between Henry S. Bishop (“Mr. Bishop”) and First Georgia Bank, a commercial bank chartered by the State of Georgia (“the Bank”).

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AMENDMENT TO AGREEMENT AND PLAN OF REORGANIZATION
Agreement and Plan of Reorganization • February 21st, 2003 • United Community Banks Inc • State commercial banks

THIS AMENDMENT TO AGREEMENT AND PLAN OF REORGANIZATION (the “Amendment”) is made and entered into as of this 12th day of February, 2003, by and between UNITED COMMUNITY BANKS, INC., a Georgia business corporation (“United”), and FIRST GEORGIA HOLDING, INC., a Georgia business corporation (“First Georgia,” and together with United, the “Parties”).

UNITED COMMUNITY BANKS, INC., as Issuer and MARSHALL & ILSLEY TRUST COMPANY N.A., as Trustee INDENTURE Dated as of November 26, 2002 Up To $50,000,000 6.75% Subordinated Notes due 2012
Indenture • February 21st, 2003 • United Community Banks Inc • State commercial banks • Georgia

THIS INDENTURE, dated as of November 26, 2002, is by and among UNITED COMMUNITY BANKS, INC., a Georgia corporation (the “Company”), and MARSHALL & ILSLEY TRUST COMPANY, N.A., a national banking association, as trustee (the “Trustee”).

NON-COMPETITION, NON-SOLICITATION AND CONFIDENTIALITY AGREEMENT
Non-Competition, Non-Solicitation and Confidentiality Agreement • February 21st, 2003 • United Community Banks Inc • State commercial banks • Georgia

THIS AGREEMENT is made as of this 20th day of February, 2003, between United Community Banks, Inc., on its own behalf and on behalf of its subsidiaries, predecessors and successors (collectively the “Company”), and Henry S. Bishop, (the “Employee”).

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