Investor Presentaiton

Enhancing Our Franchise Through Strategic M&A Enhancing United's High-Growth Southeast Footprint 7/14/2021 - Announced acquisition of Reliant Bancorp, Inc, 5/27/2021 - Announced acquisition of Aquesta Financial Holdings, Inc. Nashville TENNESSEE Pro Forma Branch Map Winston-Salem ville " 5/13/2021 - Announced acquisition of FinTrust Capital Partners, LLC his Chattanooga " Expanding into the attractive Nashville, TN, Charlotte, NC, and Wilmington, NC markets, 3 of the top 20 fastest growing MSAs in the Southeast (1) Huntsville Pro Forma Balance Sheet (2) Birmingham NORTE PAROLINA Charlotte Fayetteville Athens SOUTH CAROLINA Augusta Savannah GEORGIA (As of 3/31/2021) (3) Pro U United FINTRUST AQUESTA Reliant UNITED Community Bank. CAPITAL ADVISORS Financial Holdings, Inc. BANCORP, INC. Forma ALABAMA ⚫Columbus Total Assets $18,557 $7 $752 $3,057 $22,374 PI Total Gross Loans $11,844 $- $576 $2,444 $14,864 Total Deposits $15,993 $- $636 $2,613 $19,243 Mobile Tallahassee Estimated EPS Accretion Well-Capitalized at Close (Pro Forma as of 12/31/2021) TCE / TCA 8.7% $0.22 $0.15 Leverage Ratio 9.5% CET-1 Ratio $0.08 $0.09 $0.02 $0.02 Tier 1 Ratio Est. 2022E EPS Accretion Est. 2023E EPS Accretion FinTrust Aquesta Reliant 12.1% 12.7% Total Capital Ratio 14.5% United (162) Aquesta (9) (4) Reliant (25) (4) 1. Includes MSAs with a population greater than 300,000 2. Does not include merger adjustments 3. FinTrust has approximately $2 billion assets under management 4. Aquesta has 3 LPOS in Raleigh, NC, Greenville, SC and Charleston, SC; Reliant has an LPO in Knoxville, TN Note: Dollar values in millions, except per share values Source: S&P Global Market Intelligence, public filings Jacksonville Gainesville Orlando Tampa FLORIDA Miami Wilmington Nassau THE BAHAMAS Virgin 20 20 U UNITED

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