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Investor Presentaiton

Tidelands Bancshares, Inc. Combined Branch Map Knoxville Nashville 24 Tennessee 185 575 74 40 Charlotte North Carolina 26 WV Atlanta Georgia 75 Florida Greenville 77 South Carolina 20 Headquarters Established U United UNITED COMMUNITY BANKS, INC. Company Overview Mt. Pleasant, SC 2003 Charleston (4) Myrtle Beach (2) Hilton Head (1) TDBK Branches (7) Ticker (OTC Pink) Assets ($MM) Total Gross Loans ($MM) Deposits ($MM) NPAs / Assets (1) Charleston 95 LTM ROAA 16 Savannah United Community Banks, Inc. (134) Tidelands Bancshares, Inc. (7) (1) NPAs / Assets = (nonaccrual loans + OREO) / total assets Source: SNL Financial; financial metrics as of December 31, 2015 95 $466 $325 $421 4.40% (0.38%) Myrtle Beach Garden City Beach North Charleston 26 Summerville Charleston Hilton Head Island Savannah ucbi.com | 4
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