Investor Presentaiton

UCBI's Growth Strategy - Coastal Markets Tidelands' markets are in the top 10 fastest growing in U United UNITED COMMUNITY BANKS, INC. • South Carolina the U.S. Total Deposits in Market Total Market Share Projected Median Population Population HH Change Change Income 2010-2016 2016-2021 2016 Rank Institution (ST) 1 Wells Fargo & Co. (CA) Branches 150 ($000) (%) 14,928,864 19.88 2 Bank of America Corp. (NC) 82 11,018,528 14.67 MSA Population (%) (%) ($) 3 BB&T Corp. (NC) 112 7,701,867 10.25 Charleston-N. Charleston 750,593 12.94 8.47 54,619 4 First Citizens BancShares Inc. (NC) 154 6,786,593 9.04 Myrtle Beach-Conway-N. Myrtle Beach 433,835 15.16 9.50 44,461 5 South State Corporation (SC) 93 5,506,149 7.33 Hilton Head Island-Bluffton-Beaufort 209,656 12.11 8.47 55,689 6 Toronto-Dominion Bank 68 3,672,843 4.89 South Carolina 4,914,247 6.25 5.40 46,382 7 Synovus Financial Corp. (GA) 39 2,916,380 3.88 United States 322,431,073 4.43 3.69 55,551 8 SunTrust Banks Inc. (GA) 45 2,439,818 3.25 9 UCBI Pro Forma 32 1,444,423 1.92 10 BNC Bancorp (NC) 29 1,129,373 1.50 • Vibrant Charleston area economy - Robust employment market is fueled by growth in software and IT and continued building in the manufacturing sector Consistently recognized as the #1 travel destination in the U.S. Home to 10 colleges and universities Joint Base Charleston is home to 22,000+ military personal with an annual economic impact of $4.5 billion - Port of Charleston Source: SNL Financial Charleston-North Charleston MSA Total Total Deposits in Rank Institution (ST) Branches Market ($000) Market Share (%) 1 Wells Fargo & Co. (CA) 25 2,801,831 24.83 2 Bank of America Corp. (NC) 16 1,624,323 14.39 3 South State Corporation (SC) 25 1,515,805 13.43 4 First Citizens BancShares Inc. (NC) 19 764,767 6.78 5 Synovus Financial Corp. (GA) 9 698,547 6.19 6 BB&T Corp. (NC) 13 656,119 5.81 7 BNC Bancorp (NC) 16 616,328 5.46 8 Carolina Financial Corp. (SC) 8 518,510 4.60 9 SunTrust Banks Inc. (GA) 13 342,858 3.04 10 Bank of South Carolina Corp. (SC) 4 330,595 2.93 * 12 UCBI Pro Forma 4 221,207 1.96 ucbi.com | 10

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