Investor Presentaiton

U United UNITED COMMUNITY BANKS, INC. Credit / Loan Portfolio Review Summary • Comprehensive bank-wide due diligence Tidelands Loan Portfolio (1) Consumer & • Achieved high visibility on Tidelands' loan portfolio and credit quality • Formal reviews by three independent third party firms, including extensive loan file review and field visits to assess certain lending relationships first-hand - 70% of the overall portfolio reviewed - 100% of loans exceeding $800,000 reviewed - 100% of OREO reviewed Construction & Development 13% CRE & Multifamily 47% • Total credit mark of $22.7 million - Credit loan mark of 5.0% or $16.3 million C&I Other 7% 1% 1-4 Family 31% Nonaccrual Loans + OREO/Assets 8% go do do do 8.72% 9% 6.74% 7% 6% $20.5 mil. - OREO mark of 50% or $6.4 million 5% 5.63% 5.13% 4.44% 4.40% 4.11% - Covers nonaccrual loans and OREO of $20.5 million (1) 4% 3% 2% 1% 0% 2012 2013 2014 Q1 15 Q2 15 Q3 15 Q4 15 (1) As of December 31, 2015 ucbi.com | 9

View entire presentation