Dividend Reinvestment and Share Purchase Plan

United Community Banks, Inc. is pleased to offer a Dividend Reinvestment and Share Purchase Plan to provide registered shareholders with a means to increase common stock ownership at no cost. Shares may be sold through the Plan for a competitive brokerage commission and small transaction fee.

A complete description of Plan features is available within the Plan Prospectus which is made available online. Shareholders may contact the Company at (866) 270-5900 for a written copy.

To participate, you must first enroll in the Plan. To begin your enrollment, you should complete an Enrollment Card and return it to Continental Stock Transfer & Trust Company as the Plan Administrator You can also terminate your participation by writing the Plan Administrator.

Highlights and features of the Plan include:

• Dividend reinvestment at no cost
• Supplemental share purchases at no cost with a minimum cash purchase of $25, or a maximum of $30,000 per quarter
• Stock sales for a competitive commission and transaction fee