United Community Banks, Inc. (“UCBI”) declared a 0.7692% Stock Dividend to UCBI Shareholders.  The Ex-distribution date will be Monday, December 8, 2008.  The Payable Date is January 2, 2009.  The Record Date is December 10, 2008.

This corporate event will be coordinated with the Options Clearing Corporation.

If you have any questions regarding the information provided in the document, please call CME Clearing Risk Management hotline at (312) 648-3888.

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