Investor Presentaiton

U United UNITED COMMUNITY BANKS, INC. Transaction Structure and Pro Forma Results Transaction Value / Consideration • • • $11.2 million aggregate transaction value; 100% cash consideration - $2.2 million value to common, or $0.52 per common share in cash - - $9.0 million to redeem TARP, which represents a 56% discount Target cost savings: approximately $5.0 million Total credit mark: $22.7 million - - Loan mark of $16.3 million gross or 5.0% of gross loans OREO mark of $6.4 million or 50% of year-end 2015 balances • CDI: 1.2% of Tidelands non-CD deposits Key Financial Assumptions • Estimated transaction costs: $5.7 million, pre-tax Pro Forma Results • Revenues enhanced by the lift-out of a banking team comprised of experienced, in-market lenders and additional mortgage originators - Average annual projected loan growth of $85 million • • - Average annual projected mortgage production of $95 million Estimated $0.09 to $0.10 EPS accretive in 2017 Tangible book value dilution of approximately 1.5% with expected earn-back in just over two years • Pro forma Tier 1 common of 11.5%+ • Anticipated internal rate of return in excess of 20% • Tidelands shareholder approval Approvals / Closing • Customary regulatory approvals • Closing in 3Q 2016 ucbi.com | 7

View entire presentation