Investor Presentaiton

Selected Segments - Hotels Top 50 Hotels by Sector Airport Top 50 Hotel Risk Rating $ in millions Leisure 9.2% Conference 15.4% 3.1% Center Urban, Limited Service 28.6% 33.2% $43 Extended Stay 10.5% $77 Interstate, Limited Service $172 1Q21 $42 $60 $194 2Q21 Pass Special Mention Classified ✓ Top 50 hotel loans outstanding totaled $296 million as of 2Q21, or 3% of total loans ✓ Original loan to value low at 60% on average for UCBI portfolio ✓ Construction comprises 4% of top 50 hotel outstanding balances ✓ Weighted average occupancy increased 13% from 1Q21 to 73% in top 50 hotel portfolio ✓ Nonaccrual hotel loans of $4.7 million as of 2Q21 22 U UNITED

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