Investor Presentaiton

U United UCBI's Growth Strategy - Two-Step Plan UNITED COMMUNITY BANKS, INC. Executing a Two-Step Growth Strategy in Charleston / Coastal SC Markets • In 3Q 2015, UCBI successfully executed a lift-out of a team of experienced local bankers ✓ Well known Charleston bankers with established customer relationships ✓ Well known to UCBI with a strong cultural fit and consistent credit perspective ✓ Have originated approximately $85 million of new loans and commitments within the last five months • Pairing these new lenders with an in-market bank platform as part of a two-step plan will accelerate the success of our strategic plan ✓ Tidelands was targeted for this reason ✓ Provides UCBI with an immediate customer base of over 10,000 and a branch network comprised of seven locations ✓ Lessens the time and expense of a purely organic build-out of our Coastal SC strategy • Further upside remains for our Coastal SC growth strategy ✓ Ongoing discussions with additional lenders ✓ Significant opportunity to increase our Mortgage Lending business in the region ucbi.com | 5

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