Exhibit 10.1


 


UNITED COMMUNITY BANKS, INC.


 


FORM OF CHANGE IN CONTROL SEVERANCE AGREEMENT


 


THIS AGREEMENT
(this “Agreement”), is made and entered into as of this ________ day of ________________ 20__, by and between UNITED
COMMUNITY BANKS, INC., a Georgia corporation (the “Company”), and ______________________ (“Executive”).


 


WHEREAS, Executive
is a key employee of the Company and an integral part of the Company’s management;


 


WHEREAS, the
Company desires to assure both itself and its key employees of continuity of management and objective judgment in the event of
any Change in Control of the Company, and to induce its key employees to remain employed by the Company; and


 


WHEREAS, the
Company desires to provide certain compensation and benefits to Executive in the event of the termination of his employment under
certain circumstances;


 


NOW, THEREFORE,
the parties hereby agree as follows:


 


1.            TERM
OF AGREEMENT. This Agreement shall commence on the date hereof and shall terminate on the later of (i) Executive’s termination
of employment without entitlement to any benefits hereunder and (ii) six (6) months after Executive’s termination of employment
if there has been no Change in Control by that time; provided, however, this Agreement may be terminated by mutual written agreement
of Executive and the Company. This Agreement shall not be considered an employment agreement and in no way guarantees Executive
the right to continue in the employment of the Company or any of its Affiliates. Executive’s employment is considered employment
at will, subject to Executive’s right to receive payments and benefits upon certain terminations of employment as provided
below.


 


2.            DEFINITIONS.
For purposes of this Agreement, the following terms shall have the meanings specified below:


 


2.1           “Affiliate.”
Any entity that is part of a controlled group of corporations or is under common control with the Company within the meaning of
Sections 1563(a), 414(b) or 414(c) of the Code, except that, in making any such determination, fifty percent (50%) shall be substituted
for eighty percent (80%) under such Code sections.


 


2.2           “Base
Salary.” Executive’s annual salary in effect on his Date of Termination or, if greater, Executive’s highest
rate of annual salary in effect during the six (6)-month period prior to his Date of Termination.


 


2.3           “Board”
or “Board of Directors.” The Board of Directors of the Company, or its successor.


 


2.4         
“Cause.” The involuntary termination of Executive by the Company for the following reasons shall constitute
a termination for Cause:


 


(a)          If
termination shall have been the result of an act or acts by Executive which have been found in an applicable court of law to constitute
a felony (other than traffic-related offenses);


 


(b)          If
termination shall have been the result of an act or acts by Executive which are in the good faith judgment of the Board determined
to be in violation of law or of policies of the Company and which result in demonstrably material injury to the Company;


 


(c)          If
termination shall have been the result of an act or acts of proven or undenied dishonesty by Executive resulting or intended to
result directly or indirectly in significant gain or personal enrichment to Executive at the expense of the Company; or


 




      


     


    




 


(d)          Upon
the willful and continued failure by Executive substantially to perform his duties with the Company (other than any such failure
resulting from incapacity due to mental or physical illness whether or not constituting a Disability) for a period of thirty (30)
days after a demand in writing for substantial performance is delivered by the Board or President, which demand specifically identifies
the manner in which the Board or President believes that Executive has not substantially performed his duties, and such failure
results in demonstrably material injury to the Company.


 


With respect to clauses
(b), (c) or (d) above of this Section 2.4, Executive shall not be deemed to have been involuntarily terminated for Cause unless
and until there shall have been delivered to him a copy of a resolution duly adopted by the affirmative vote of not less than three-quarters
(3/4) of the entire membership of the Board at a meeting of the Board, finding that, in the good faith opinion of the Board, Executive
was guilty of conduct set forth above in clauses (b), (c) or (d) and specifying the particulars thereof in detail. For purposes
of this Agreement, no act or failure to act by Executive shall be deemed to be “willful” unless done or omitted to
be done by Executive not in good faith and without reasonable belief that Executive’s action or omission was in the best
interests of the Company.


 


2.5        “Change
in Control.” A Change in Control of the Company means any one of the following events:


 


(a)          The
acquisition (other than from the Company) during the twelve (12)-month period ending on the date of the most recent acquisition
by any Person of Beneficial Ownership of thirty percent (30%) or more of the combined voting power of the Company’s then
outstanding voting securities; provided, however, that for purposes of this definition, Person shall not include any person who
as of the date hereof owned ten percent (10%) or more of the Company’s outstanding securities, and a Change in Control shall
not be deemed to occur solely because thirty percent (30%) or more of the combined voting power of the Company’s then outstanding
securities is acquired by (i) a trustee or other fiduciary holding securities under one (1) or more employee benefit plans maintained
by the Company or any of its subsidiaries, or (ii) any corporation, which, immediately prior to such acquisition, is owned directly
or indirectly by the shareholders of the Company in the same proportion as their ownership of stock in the Company immediately
prior to such acquisition.


 


(b)         Approval
by shareholders of the Company of (1) a merger or consolidation involving the Company if the shareholders of the Company, immediately
before such merger or consolidation do not, as a result of such merger or consolidation, own, directly or indirectly, more than
fifty percent (50%) of the combined voting power of the then outstanding voting securities of the corporation resulting from such
merger or consolidation in substantially the same proportion as their ownership of the combined voting power of the voting securities
of the Company outstanding immediately before such merger or consolidation (and provided no person acquires Beneficial Ownership
of the Company’s then outstanding voting securities as described in (a) above), or (2) a complete liquidation or dissolution
of the Company or an agreement for the sale or other disposition of all or substantially all of the assets of the Company.


 


(c)          A
change in the composition of the Board during any twelve (12)-month period such that the individuals who, as of the date hereof,
constitute the Board (such Board shall be hereinafter referred to as the “Incumbent Board”) cease for any reason to
constitute at least a majority of the Board; provided, however, for purposes of this definition that any individual who becomes
a member of the Board subsequent to the date hereof whose election, or nomination for election by the Company’s shareholders,
was approved by a vote of at least a majority of those individuals who are members of the Board and who were also members of the
Incumbent Board (or deemed to be such pursuant to this proviso) shall be considered as though such individual were a member of
the Incumbent Board; but, provided, further, that any such individual whose initial assumption of office occurs as a result of
either an actual or threatened election contest (as such terms are used in Rule 14a-11 of Regulation 14A promulgated under the
Securities Exchange Act of 1934, including any successor to such Rule), or other actual or threatened solicitation of proxies or
consents by or on behalf of a Person other than the Board, shall not be so considered as a member of the Incumbent Board.


 




      


     


    

 


Notwithstanding
the foregoing, a Change in Control shall only be deemed to have occurred if the Change in Control otherwise constitutes a change
in the ownership or effective control of the Company, or a change in the ownership of a substantial portion of the assets of the
Company, within the meaning of Section 409A of the Code and the regulations and rulings thereunder (“Section 409A”).


 


2.6          
“CIC Severance Period.” A period equal to [twelve (12)/twenty-four (24)] months following (i) the date of the
Change in Control if Executive’s employment is terminated within six (6) months prior to the Change in Control or (ii) Executive’s
Date of Termination if Executive’s employment is terminated on or within eighteen (18) months following the date of the Change
in Control


 


2.7           “Code.”
The Internal Revenue Code of 1986, as it may be amended from time to time.


 


2.8           “Company.”
United Community Banks, Inc., a Georgia corporation, or any successor to its business and/or assets, and all of its and their respective
Affiliates.


 


2.9           “Company’s
Business.” The business of operating a commercial or retail bank, savings association, mutual thrift, credit union, trust
company, securities brokerage or insurance agency.


 


2.10         “Customers.”
All Persons (i) provided products or services by the Company with whom Executive had material contact during the last two (2) years
of Executive’s employment, or (ii) whose dealings with the Company were coordinated or supervised, in whole or in part, by
Executive.


 


2.11        
“Date of Termination.” The date specified in the Notice of Termination (which, unless otherwise required by
this Agreement, may be immediate) on which Executive’s employment with the Company is to cease. In the case of termination
by Executive for Good Reason, the Date of Termination shall not be less than thirty (30) days nor more than sixty (60) days from
the date the notice of termination is given. For purposes of this Agreement, termination of employment shall mean a “separation
from service” within the meaning of Section 409A where it is reasonably anticipated that no further services will be performed
after such date or that the level of bona fide services Executive will perform after that date (whether as an employee or an independent
contractor) will permanently decrease to no more than twenty percent (20%) of the average level of bona fide services performed
over the immediately preceding thirty-six (36)-month period (or, if lesser, Executive’s period of service).


 


2.12        
“Disability.” Disability shall have the meaning ascribed to such term in the Company’s long-term disability
plan covering Executive, or in the absence of such plan or Executive’s participation therein, a meaning consistent with Section
22(e)(3) of the Code.


 


2.13         “Good
Reason.” A Good Reason for termination by Executive of Executive’s employment shall mean the occurrence (without
Executive’s express written consent) during the 6-month period prior to, or within the eighteen (18) month period following,
the date of a Change in Control 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 (a), (c), or (d) below, such act or failure to act is corrected prior
to the Date of Termination specified in the Notice of Termination given in respect thereof:


 


(a)          the
substantial adverse change in Executive’s responsibilities at the Company from those in effect immediately prior to the Measurement
Date;


 


(b)          the
required relocation of Executive to a location outside of the market area of the Company on the Measurement Date;


 


(c)          a
material reduction from those in effect on the Measurement Date in the levels of coverage of Executive under the Company’s
director and officer liability insurance policy or indemnification commitments; or


 




      


     


    




 


(d)          after
the Measurement Date, a reduction in Executive’s Base Salary, a reduction in his incentive compensation or the failure by
the Company to continue to provide Executive with benefits substantially similar to those enjoyed by Executive under any of the
Company’s pension, deferred compensation, life insurance, medical, health and accident or disability plans in which Executive
was participating at the Measurement Date, the taking of any action by the Company which would directly or indirectly reduce any
of such benefits or deprive Executive of any material fringe benefit enjoyed by Executive at the Measurement Date.


 


Executive’s right
to terminate Executive’s employment for Good Reason shall not be affected by Executive’s incapacity due to physical
or mental illness, except for a Disability. Executive’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.


 


2.14         “Measurement
Date.” The date six (6) months prior to the date of a Change in Control.


 


2.15         “Notice
of Termination”. A written notice from one party to the other party specifying the Date of Termination and which sets
forth in reasonable detail the facts and circumstances relating to the basis for termination of Executive’s employment.


 


2.16         “Person”.
Any individual, corporation, bank, partnership, joint venture, association, joint-stock company, trust, unincorporated organization
or other entity.


 


3.            SCOPE
OF AGREEMENT. This Agreement provides for the payment of compensation to Executive in the event in connection with a Change
in Control his employment is involuntarily terminated by the Company without Cause or if Executive terminates his employment for
Good Reason. If Executive is terminated by the Company for Cause, dies, incurs a Disability or voluntarily terminates employment
(other than for Good Reason), this Agreement shall terminate, and Executive shall be entitled to no payments of compensation pursuant
to the terms of this Agreement; provided that in such event, Executive will be entitled to whatever benefits are payable pursuant
to the terms of any health, life insurance, disability, welfare, retirement, deferred compensation, or other plan or program maintained
by the Company, in which Executive participates, in accordance with the terms of such plans and programs.


 


4.            BENEFITS
UPON TERMINATION IN CONNECTION WITH A CHANGE IN CONTROL. If a Change in Control occurs during the term of this Agreement and
Executive’s employment is terminated within six (6) months prior to or eighteen (18) months following the date of the Change
in Control, and if such termination is an involuntary termination by the Company without Cause (and does not arise as a result
of Executive’s death or Disability) or a termination by Executive for Good Reason, Executive shall be entitled to the following
compensation:


 


4.1          Base
Salary. Executive shall continue to receive his Base Salary (subject to withholding of all applicable taxes) for the CIC Severance
Period in accordance with the Company’s normal payroll practices (but no less frequently than monthly) beginning on (i) the
date of the Change in Control if Executive’s employment is terminated within six (6) months prior to the Change in Control
or (ii) Executive’s Date of Termination if Executive’s employment is terminated on or within eighteen (18) months following
the date of the Change in Control.


 


4.2          Annual
Bonus. Executive shall be entitled to bonus payments from the Company as follows:


 


(a)          Notwithstanding
any terms of any applicable plan to the contrary, for the fiscal year that ended immediately prior to Executive’s Date of
Termination, but for which no annual bonus payments have been paid as of his Date of Termination, Executive shall receive a bonus
calculated using the actual results for all performance criteria for such fiscal year. Such amount shall be paid (subject to withholding
of all applicable taxes) on (i) the date of the Change in Control if Executive’s employment is terminated within six (6)
months prior to the Change in Control or (ii) the Executive’s Date of Termination if Executive’s employment is terminated
on or within eighteen (18) months following the date of the Change in Control.


 




      


     


    

 


(b)          For
a fiscal year during which Executive’s Date of Termination occurs after June 30th of such fiscal year, Executive
shall receive a prorated bonus (based on the number of days that he was employed during such fiscal year), calculated as if Executive’s
target award level (including any personal performance component) under the Company’s annual incentive plan had been achieved
for such year. Such amount shall be paid (subject to withholding of all applicable taxes) on (i) the date of the Change in Control
if Executive’s employment is terminated within six (6) months prior to the Change in Control or (ii) the Executive’s
Date of Termination if Executive’s employment is terminated on or within eighteen (18) months following the date of the Change
in Control.


 


(c)          In
addition to the bonus payment payable under subsection (a) or (b) above, if any, Executive shall be entitled to an additional bonus
amount equal to the average of the bonuses paid to him with respect to the two fiscal years in which annual bonuses were paid to
Executive most recently preceding the year in which his Date of Termination occurs, multiplied by [one (1)/two (2)]. If a bonus
was not paid to Executive in two such prior years, for purposes of calculating Executive’s average bonus, an amount equal
to Executive’s potential bonus for the fiscal year during which Executive’s Date of Termination occurs, calculated
as if Executive’s target award level (including any personal performance criteria) under the Company’s annual incentive
plan had been achieved for such year, shall be used for such years. Such bonus amount shall be paid (subject to withholding of
all applicable taxes) in [twelve (12)/twenty-four (24)] equal monthly payments beginning on (i) the date of the Change in Control
if Executive’s employment is terminated within six (6) months prior to the Change in Control or (ii) Executive’s Date
of Termination if Executive’s employment is terminated on or within eighteen (18) months following the date of the Change
in Control.


 


4.3           Section
409A Compliance. This Agreement shall at all times be operated in accordance with the requirements of Section 409A. The Company
shall have authority to take action, or refrain from taking any action, with respect to any payments under this Agreement that
is reasonably necessary to comply with Section 409A. Notwithstanding any of the provisions of this Agreement, it is intended that
any payment which is provided pursuant to or in connection with this Agreement which is considered to be non-qualified deferred
compensation subject to Section 409A shall be provided and paid in a manner, and at such time, as complies with the applicable
requirements of Section 409A to avoid the unfavorable tax consequences provided therein for non-compliance. For purposes of this
Agreement, all rights to payments shall be treated as rights to receive a series of separate payments to the fullest extent permitted
by Section 409A. If Executive is a key employee (as defined in Section 416(i) without regard to paragraph (5) thereof), and any
of the Company’s stock is publicly traded on an established securities market or otherwise, then payment of any amount under
this Agreement which is considered non-qualified deferred compensation subject to Section 409A shall be deferred for six (6) months
after Executive’s Date of Termination or, if earlier, Executive’s death, as and to the extent required by Section 409A
(the “409A Deferral Period”). In the event such payments are otherwise due to be made in installments or periodically
during the 409A Deferral Period, the payments which would otherwise have been made in the 409A Deferral Period shall be accumulated
and paid in a lump sum as soon as the 409A Deferral Period ends, and the balance of the payments shall be made as otherwise scheduled.


 


4.4          Other
Benefits. Except as expressly provided herein, all other benefits provided to Executive as an active employee of the Company
(e.g., health insurance, life insurance, profit sharing, long-term disability, AD&D, etc.), shall cease on his Date of Termination,
provided that any conversion or extension rights applicable to such benefits shall be made available to Executive at his Date of
Termination or when such coverages otherwise cease in accordance with the terms of the applicable plans or programs, including,
with respect to any, options, restricted stock units or other awards granted under any equity compensation plan, the terms of such
plan and any applicable award agreement.


 


5.            LIMITATION
ON BENEFITS.


 


5.1         Notwithstanding
anything in this Agreement to the contrary, in the event it is determined that any Payment to be made to Executive by the Company,
whether pursuant to this Agreement or otherwise, would constitute an “excess parachute payment” within the meaning
of Section 280G of the Code and the regulations and rulings thereunder (“Section 280G”), then the Payments to be made
to Executive by the Company shall be reduced, in the manner provided in Section 5.2 below, so that none of the Payments constitute
“excess parachute payments” within the meaning of Section 280G. In making this computation, the parties shall take
into account all provisions of Section 280G, including making appropriate adjustments to the calculations for amounts established
to be exempt from characterization as parachute payments within the meaning of Section 280G.


 




      


     


    

 


5.2           In
the event a reduction in the Payments to be made to Executive by the Company are required pursuant hereto, the order of reduction
first shall be all payments to be made under this Agreement on a pro rata basis and then all other payments and benefits to be
made or provided on a pro rata basis.


 


5.3           The
purpose of this Section 5 is to avoid the imposition of any excise taxes on Executive under Section 4999 of the Code or the disallowance
of any deduction to the Company pursuant to Section 280G(a) with respect to any amounts payable or benefits to be provided, to
Executive under this Agreement or otherwise.


 


5.4           For
purposes of this Section 5, “Payment” means any payment or distribution or provision of benefits by the Company to
or for the benefit of Executive, whether paid or payable or distributed or distributable pursuant to this Agreement or otherwise
and determined without regard any reductions required by this Section 5, which would constitute a “parachute payment”
under Section 280G.


 


5.5           All
determinations to be made under this Section 5 shall be made by the independent accounting firm used by the Company immediately
prior to the Change in Control, which accounting firm will provide its determinations and any supporting calculations to the Company
and Executive as necessary. Any determinations made by the accounting firm shall be binding upon the Company and Executive. All
fees and expenses of the accounting firm in performing the determinations hereunder shall be borne solely by the Company.


 


6.            CANCELLATION
OF BENEFIT; RETURN OF PREVIOUS PAYMENTS.


 


6.1           After
Executive’s Date of Termination and until the expiration of the CIC Severance Period, if Executive is entitled to any payment
or benefit under this Agreement, Executive will not directly or indirectly, individually, or on behalf of any Person (except on
behalf of or with the prior written consent of the Company):


 


(a)          solicit,
divert or appropriate or attempt to solicit, divert or appropriate, any business from any of the Company’s Customers, including
prospective Customers actively sought by the Company, for purposes of providing products or services that are competitive with
those provided by the Company;


 


(b)          solicit,
recruit or hire away or attempt to solicit, recruit or hire away, any employee of the Company, whether or not such employment is
pursuant to a written contract with the Company is at will; or


 


(c)          knowingly
or intentionally damage or destroy the goodwill and esteem of the Company or the Company’s Business.


 


6.2           Executive
agrees that the restrictive covenants set forth in Section 6.1 of this Agreement are of the essence of this Agreement; that each
of the covenants is reasonable and necessary to protect the business, interests and properties of the Company, and that irreparable
loss and damage will be suffered by the Company should Executive breach any of such covenants. Therefore, if at any time after
Executive’s Date of Termination and until the expiration of the CIC Severance Period, Executive violates the restrictive
covenants set forth in Section 6.1, then notwithstanding any other provision in this Agreement to the contrary, (i) Executive shall
immediately forfeit any payment that is or may become due under Section 4 and all such payments shall immediately terminate, and
(ii) Executive shall immediately return to the Company the gross amount of any previous payments made to Executive pursuant to
Section 4. In addition, Executive agrees and consents that the Company shall be entitled to a temporary restraining order and temporary
and permanent injunctions to prevent a breach or contemplated breach of any of such covenants. The Company and Executive agree
that all remedies shall be cumulative.


 


6.3           If
any term of this Section 6 shall be held to be illegal, invalid or unenforceable by a court of competent jurisdiction, the remaining
terms shall remain in full force and effect. If any court of competent jurisdiction shall determine that the restrictions set forth
in any provision of this Section 6 are overbroad or unreasonable as applied to Executive, the parties hereto acknowledge their
mutual intention and agreement that those restrictions be enforced to the fullest extent the court deems reasonable, and this Agreement
shall be modified to that extent.


 




      


     


    

  


7.            MISCELLANEOUS.


 


7.1           No
Obligation to Mitigate. Executive shall not be required to mitigate the amount of any payment provided for under this Agreement
by seeking other employment, nor shall the amount of any payment provided for under this Agreement be reduced by any compensation
earned by Executive as a result of employment by another employer after the Date of Termination or otherwise


 


7.2           Contract
Non-Assignable. The parties acknowledge that this Agreement has been entered into due to, among other things, the special skills
and knowledge of Executive, and agree that this Agreement may not be assigned or transferred by Executive.


 


7.3           Successors;
Binding Agreement.


 


(a)          In
addition to any obligations imposed by law upon any successor to the Company, the Company will require any successor (whether direct
or indirect, by purchase, merger, consolidation or otherwise) to all or substantially all of the business and/or assets of the
Company or that acquires a controlling stock interest in the Company to expressly assume and agree to perform this Agreement, in
the same manner and to the same extent that the Company would be required to perform it if no such succession had taken place.
Failure of the Company to obtain such assumption and agreement prior to the effective date of such succession shall be a breach
of this Agreement and shall entitle Executive to terminate his employment for Good Reason as described above.


 


(b)         This
Agreement shall inure to the benefit of and be enforceable by Executive’s personal or legal representative, executors, administrators,
successors, heirs, distributees, devisees and legatees. If Executive shall die while any amount is still payable to Executive hereunder
(other than amounts which, by their terms, terminate upon the death of Executive), all such amounts, unless otherwise provided
herein, shall be paid in accordance with the terms of this Agreement to the executors, personal representatives or administrators
of Executive’s estate.


 


7.4           Notices.
All notices, requests, demands and other communications required or permitted hereunder shall be in writing and shall be deemed
to have been duly given when delivered or seven (7) days after mailing if mailed first class, certified mail, postage prepaid,
addressed as follows:


 


	 	If to the Company:	United Community Banks, Inc. 
	 		Attention:  Secretary
	 		125 Highway 515 East 
	 		Blairsville, GA  30512 
	 	 	 
	 	If to Executive:	______________________
	 	 	______________________ 
	 	 	______________________  


 


Any party may change the address to which
notices, requests, demands and other communications shall be delivered or mailed by giving notice thereof to the other party in
the same manner provided herein.


 


7.5           Provisions
Severable. If any provision or covenant, or any part thereof, of this Agreement should be held by any court to be invalid,
illegal or unenforceable, either in whole or in part, such invalidity, illegality or unenforceability shall not affect the validity,
legality or enforceability of the remaining provisions or covenants, or any part thereof, of this Agreement, all of which shall
remain in full force and effect.


 


7.6           Waiver.
Failure of either party to insist, in one or more instances, on performance by the other in strict accordance with the terms and
conditions of this Agreement shall not be deemed a waiver or relinquishment of any right granted in this Agreement or the future
performance of any such term or condition or of any other term or condition of this Agreement, unless such waiver is contained
in a writing signed by the party making the waiver.


 




      


     


    

 


 


7.7           Amendments
and Modifications. This Agreement may be amended or modified only by a writing signed by both parties hereto, which makes specific
reference to this Agreement.


 


7.8           Governing
Law. The validity and effect of this Agreement shall be governed by and be construed and enforced in accordance with the laws
of the State of Georgia.


 


7.9           Disputes.
All claims by Executive for compensation under this Agreement shall be in writing and shall be directed to and be determined by
the Board. Any denial by the Board of a claim for benefits under this Agreement shall be provided in writing to Executive within
thirty (30) days of such decision and shall set forth the specific reasons for the denial and the specific provisions of this Agreement
relied upon. The Board shall afford a reasonable opportunity to Executive for a review of its decision denying a claim and shall
further allow Executive to appeal in writing to the Board a decision of the Board within sixty (60) days after notification by
the Board that Executive’s claim has been denied. To the extent permitted by applicable law, any further dispute or controversy
arising under or in connection with this Agreement shall be settled exclusively by arbitration in Atlanta, Georgia, in accordance
with the rules of the American Arbitration Association then in effect. Judgment may be entered on the arbitrator’s award
in any court having jurisdiction.


 


[Signatures continued
on next page]


 




      


     


    

 


 


IN WITNESS WHEREOF,
the parties have executed this Agreement as of the day and year first above written.


 


	 	EXECUTIVE
	 	 	 
	 	By:	 
	 	 	 
	 	Name:	 
	 	 	 
	 	UNITED COMMUNITY BANKS, INC.
	 	 	 
	 	By:	 
	 	 	 
	 	Name:	 
	 	 	 
	 	Title: