Exhibit 99.2

Second Quarter 2014 Investor Presentation

2 2 Cautionary Statement Cautionary Statement This investor presentation may contain forward -looking statements, as defined by federal securities laws, inclu ding statements about United ’s financial outlook and business environment. These statements a re based on current expectations and are provided to assist in the understanding of future financial performance. Such performance involves risks and uncertainties that may cause actual results to differ materially from those expressed or implied in any such statements. For a discussion of some of the risks and other factors that may cause such forward -looking statements to differ materially from actual results, please refe r to United Community Banks, Inc. ’s filings with the Securities and Exchange Commission, including its 2013 Annual Re port on Form 10-K and its most recent quarterly report on Form 10-Q under the sections entitled “Forward-Looking Statements”. Forward-looking statements speak only as of the date they are made, and we undertake no obligation to update or revise forward-looking statements. Non Non - - GAAP Measures GAAP Measures This presentation also contains financial measures determined by methods other than in accordance with generally accepted accounting principles (“GAAP”). Such non-GAAP financial measures include the following: core fee revenue, core operating expense, core earnings, tangible common equity to tangible assets, tangible equity to tangible assets and tangible common equity to risk-weighted assets. The most comparable GAAP measures to these mea sures are: fee revenue, operating expense, net income (loss), and equity toassets. Management uses these non -GAAP financial measures because we believe they are useful for e valuating our operations and performance over periods of time, as well as in m anaging and evaluating our business and in discussions about our operations and performance. Management be lieves these non -GAAP financial measures provide users of our financial information with a meaningful mea sure for assessing our financial results and credit trends, as well as for comparison to financial results for prior periods. These non-GAAP financial measures should not be considered as a substitute for financial measures determined in accordance with GAAP and may not be comparable to other similarly titled financial measures used by other companies. For a reconciliation of the differences between our non-GAAP financial measures and the most comparable GAAP measures, p lease refer to the ‘Non-GAAP Reconcilement Tables’at the end of the Appendix to this presentation.

3 3 United at a Glance United at a Glance Founded in 1950 Third-largest bank holding company headquartered in Georgia with 1,500 employees Key Statistics as of 6/30/14 Key Statistics as of 6/30/14 (in billions) Assets Assets Deposits Deposits Loans Loans $7.35 $6.16 $4.41 Deposit Market Share Deposit Market Share (1) (1) Market Market Offices Offices Deposit Deposit Market Market Share Share Rank Rank No. Georgia 22 34% 1 Atlanta MSA 36 4 6 Gainesville 5 12 4 Coastal Georgia 8 4 7 W. North Carolina 19 13 3 E. Tennessee 8 2 8 (1) FDIC deposit market share and rank as of June 30, 2013 for markets where United takes deposits. Source: SNL and FDIC. Excludes 4 Loan Production Offices in GA, TN and SC, and one newly formed bank in Greenville, SC.

4 4 Footprint Footprint Savannah Nashville Greenville Asheville Atlanta Chattanooga Raleigh Charlotte Charleston Myrtle Beach Knoxville Current Footprint Blairsville Headquartered in Blairsville, Georgia with 103 locations in: Georgia; North Carolina; South Carolina; and Tennessee

5 5 Business and Operating Model Business and Operating Model Service is Point of Differentiation #1 in Customer Satisfaction according to Customer Service Profiles #1 in Southeast and #2 in US in Customer Satisfaction by national research company Golden rule of banking –treating people the way we want to be treated “The Bank that SERVICE Built SM ” Customer surveys consistently reveal 95%+ satisfaction rate Local CEOs with deep roots in their communities Resources of a $7.35 billion bank Operates in a number of the more demographically attractive U.S. markets Organic growth supported by de novos and selective acquisitions Twenty-eight “community banks” Strategic footprint with substantial banking opportunities Disciplined growth strategy “Community bank service, large bank resources”

6 6 2013 2013 – – Transformative Year Transformative Year Strengthened structure, resources, and financial performance Several years of credit clean-up Final classified asset sales Diversified loan portfolio Recalibrated core expense base $31 million reduction past three years Efficiency ratio below 60% DTA Allowance recaptured Redemption of all preferred stock (TARP) Re-established dividends to Parent Company and Shareholders Capital ratios strong Executed Strategies SCALABLE FOR GROWTH BEYOND $10 BILLION Key leadership roles Consumer underwriting Loan operations Mortgage Treasury services Lending SBA Healthcare Corporate CRE Income Asset based Strengthened Risk Management Business Investments

7 7 2014 Goals 2014 Goals Community bank service with large bank resources Strong local leadership and senior management Funding advantage in legacy markets Consistent and attractive culture Class leading customer satisfaction HOW? LEVERAGE OUR STRENGTHS Continue to invest in and improve commercial and retail capabilities Diversify portfolio –focus on C&I; owner occupied; specialized lending for healthcare, corporate, asset based and SBA; and, consumer lending Momentum building across footprint Invest in people; strengthen commercial and specialized lending group and markets Grow loans in mid-single digits Improve retail and small business bank Grow sales –better / diversified product design, merchandising and campaignexecution Streamline deliver processes that focus on how we serve our customers Increase core transaction deposits in the mid-single digits Grow net interest revenue Credit trends and costs continue at or below current levels Grow fee revenue modestly Maintain operating efficiency below 60% while investing in revenue producers Focus on acquisition opportunities

8 8 Highlights Second Quarter 2014 Highlights Second Quarter 2014 IMPROVING QUARTERLY RESULTS 2Q14 2Q14 1Q14 1Q14 Net Income $16.4M $15.8M EPS $.27 $.25 ROA .88% .85% ROCE 8.99% 8.64% Solid Improvement in Credit Quality Provision of $2.2 million vs. $48.5 million 2Q13 (classified assets sales) Net charge-offs decline to .38% of total loans vs. 6.87% in 2Q13 NPAs declined to .32% of total assets vs. .42% in 1Q14 and 44% in 2Q13 Allowance 1.66% of total loans vs. 1.73% at 1Q14 and 1.95 at 2Q13 Classified ratio of 23%, down from 27% at 1Q14 Operating Efficiencies Strengthen Efficiency ratio of 58.7%; significantly down from 68.9% a year ago Continued focus on reducing costs and improving fee revenue

9 9 Highlights Second Quarter 2014 Highlights Second Quarter 2014 Solid Capital Ratios and Cash Dividend to Shareholders Initiated quarterly cash dividend to shareholders in second quarter Tier I Common to Risk Weighted Assets of 10.7%; Tangible Common to RWAs of 13.9% Tier 1 Risk Based Capital of 11.8% and Tier I Leverage of 8.3% Core Fee Revenue Up $2 million across all categories compared to 1Q14 Gain on sales of SBA loans of $.7 million (added SBA team) Down from 2Q13 –mortgage volume and BOLI gain (non-core) Balance Sheet Loan growth this quarter of $54.6 million, or 5% annualized Restructured/deleverage securities portfolio –increasing yield, with securities gains $4.4 million Offset gains by charge of $4.4 million to prepay $44 million costly borrowings Overall –improved interest revenue and stabilized margin of 3.21% Continued Strong Core Transaction Deposit Growth Up $52 million in the second quarter or 6% annualized Up $303 million (9%) from year ago Represents 63% of total customer deposits compared to 34% at 4Q08

10 10 Earnings Per Share Earnings Per Share GOAL OF 1% ROA (1) (1) Excludes loss on classified asset sales and DTA recapture.

FINANCIAL REVIEW

12 12 Core Earnings Trend and Core Fee Revenue Core Earnings Trend and Core Fee Revenue Core Earnings $28.8 Million Up $1.4 million from 1Q14 and up $1.8 from a year ago. $ in millions 2Q14 1Q14 2Q13 Net Interest Revenue 54,950$ 781$ 19$ Fee Revenue 13,938 2,008 (125) Gross Revenue 68,888 2,789 (106) Operating Expense (Excl OREO) 40,131 1,382 (1,936) Pre-Tax, Pre-Credit (Core) 28,757$ 1,407$ 1,830$ Net Interest Margin 3.21 % - % (.12)% Variance - Increase / (Decrease) 2Q14 1Q14 2Q13 Overdraft Fees 2,944$ 24$ (88)$ Interchange Fees 3,976 445 338 Other Service Charges 1,607 160 305 Total Service Charges and Fees 8,527 629 555 Mortgage Loan & Related Fees 1,877 523 (1,126) Brokerage Fees 1,245 68 182 Other 2,289 788 264 Total Fee Revenue - Core 13,938 2,008 (125) Non-Core (1) 205 (41) (1,675) Reported - GAAP 14,143$ 1,967$ (1,800)$ Variance - Increase / (Decrease) (1) Includes securities gains (losses) and losses on prepayment of borrowings, gains from sales of low income housing tax credits, gains on bank owned life insurance policies, and gains and losses on deferred compensation plan assets. CORE EARNINGS CORE FEE REVENUE $ in thousands

13 13 Core Operating Expenses Core Operating Expenses (1) Includes foreclosed property costs, severance, and gains and losses on deferred compensation plan liabilities. $ in thousands 2Q14 1Q14 2Q13 Salaries & Employee Benefits 23,988$ (223)$ 859$ Communications & Equipment 3,037 (202) (431) Occupancy 3,262 (116) (187) FDIC Assessment 1,425 72 (1,080) Advertising & Public Relations 1,139 513 102 Postage, Printing & Supplies 804 28 (90) Professional Fees 2,172 745 (327) Other Expense 4,304 565 (782) Core Operating Expenses 40,131 1,382 (1,936) Non-Core (1) 401 100 (6,355) Reported GAAP 40,532$ 1,482$ (8,291)$ 2Q14 1Q14 2Q13 Efficiency Ratio 58.7 % 59.1 % 68.9 % Variance - Increase / (Decrease)

14 14 Key Drivers of Net Interest Revenue / Margin Key Drivers of Net Interest Revenue / Margin Net Interest Revenue 2Q growth impacted by: Net loan growth Higher securities yield Offset partially by pricing competition $ in millions KEY DRIVERS OF NIR NET INTEREST REVENUE & MARGIN Loan / Securities Pricing Deposit Pricing (excl. brokered) Loan Yields Securities Yields Avg Rate on Int Bearing Dep’s • CD pricing reflects the quarter-average new and renewed yield • MMDA / NOW pricing reflects the deposit yield for each quarter • CD pricing reflects the quarter-average new and renewed yield • MMDA / NOW pricing reflects the deposit yield for each quarter CDs MMDA NOW

15 15 Net Income Net Income $ in thousands NET OPERATING INCOME 2Q14 1Q14 2Q13 Core Earnings (Pre-Tax, Pre-Credit) 28,757$ 1,407$ 1,830$ Provision for Loan Loss 2,200 (300) (46,300) NON-CORE FEE REVENUE: Securities Gains 4,435 4,218 4,435 Loss on Prepayment of Borrowings (4,446) (4,446) (4,446) Sale of Low Income Housing Tax Credits Gain - - (468) Bank Owned Life Insurance Policy Gain - - (1,366) Deferred Compensation Plan Assets Gain 216 187 170 Total Non-Core Fee Revenue 205 (41) (1,675) NON-CORE OPERATING EXPENSES: Foreclosed Property Write Downs 305 28 (1,064) Foreclosed Property (Gains) Losses on Sales (423) 98 (3,368) Forclosed Property Maintenance Expenses 220 (140) (617) Severance Costs 83 (73) (1,476) Gains (Losses) on Deferred Comp Plan Liability 216 187 170 Total Non-Core Operating Expenses 401 100 (6,355) Income Tax Expense 10,004 609 266,417 Net Income 16,357$ 957$ (213,607)$ Preferred Stock Dividends - (439) (3,054) Net Income Avail to Common Shareholders 16,357$ 1,396$ (210,553)$ Net Income Per Share .27$ .02$ (3.63)$ Tangible Book Value 11.91$ .28$ 1.09$ Return on Assets .88 % .03 % (12.46) % Return on Common Equity 8.99 .35 (188.23) Variance - Increase / (Decrease) 60.1M Shares Outstanding Quarterly Net Income $ in millions 2Q14 $16.4 1Q14 $15.4 4Q13 15.9 3Q13 15.5 2Q13 230.0

16 16 Customer Deposit Mix & Core Growth Customer Deposit Mix & Core Growth $ in thousands Time >$100M 9% Demand & NOW 37% Deposits by % / Customer Mix Public Funds 14% Time <$100M 14% MMDA & Sav 26% Time >$100M 22% Demand & NOW 23% Public Funds 14% Time <$100M 31% MMDA & Sav 10% 2Q14 $5.7B 63%* 2Q08 $6.2B 34%* 2Q14 1Q14 2Q13 4Q08 Demand / NOW 2,106$ 2,073$ 1,916$ 1,457$ MMDA / Savings 1,518 1,499 1,406 630 Core Transaction 3,624 3,572 3,322 2,087 Time < $100,000 801 828 977 1,945 Public Deposits 760 804 674 755 Total Core 5,185 5,204 4,973 4,787 Time >$100,000 521 539 632 1,336 Public Deposits 33 34 32 87 Total Customer 5,739 5,777 5,637 6,210 Brokered Deposits 425 471 375 793 Total Deposits 6,164$ 6,248$ 6,012$ 7,003$ Total Deposit Mix Core Deposit Growth –Category & Market CATEGORY 2Q14 YTD MARKET 2Q14 YTD Demand 40.2$ 135.9$ Atlanta 21.1$ 80.7$ MM Accounts 9.9 21.1 N. Georgia 4.8 50.6 Savings 8.4 28.2 North Carolina 20.8 19.9 NOW (6.5) 1.6 Coastal Georgia 1.4 15.9 Total Categories 52.0$ 186.8$ Tennessee 2.0 4.10 Gainesville 0.9 12.4 Growth (Annualized) 6 % South Carolina 1.0 3.2 52.0$ 186.8$ Growth Growth *% of core transaction customer deposits Significant growth in core transaction deposits since 4Q08

17 17 Capital Ratios Capital Ratios Holding Company Well- Cap 2Q14 1Q14 4Q13 3Q13 2Q13 Tier I RBC 6 % 11.8 % 11.1 % 12.7 % 14.2 % 13.7 % Total RBC 10 13.0 12.4 14.0 15.5 15.2 Leverage 5 8.3 8.0 9.1 10.0 9.8 Tier 1 Common RBC 10.7 10.1 9.3 9.0 8.5 Tangible Common to Assets 9.6 9.2 9.0 9.0 6.3 Tangible Equity to Assets 9.6 9.5 11.6 11.8 9.1 Bank Well- Cap 2Q14 1Q14 4Q13 3Q13 2Q13 Tier 1 RBC 6 % 13.4 % 12.6 % 13.5 % 14.5 % 14.2 % Total RBC 10 14.6 13.9 14.8 15.7 15.5 Leverage 5 9.4 9.1 9.6 10.2 10.1

LOAN PORTFOLIO & CREDIT QUALITY

19 19 Loan Portfolio Loan Portfolio (total $4.41 billion) (total $4.41 billion) Diversifying Portfolio Geographic Diversity Residential Mortgage 30% $1.31 Resi Constr 7% $.30 Consumer 7% $.32 By Loan Type 1Q11 $4.194 2Q14 $4.410 Constr 8% $.350 A&D 10% $.413 Constr 5% $.241 A&D 5% $.221 Reduced concentrations of A&D and Investor RE loans Total Loans Loan Diversification & Type • Reducing land exposure • Focus on small business, C&I, and specialized lending • Enhanced retail products $ in billions

20 20 New Loans Funded and Advances New Loans Funded and Advances (1) (1) $ in millions CATEGORY 2Q14 1Q14 2Q13 2Q14 1Q14 2Q13 Commercial C & I 115.4$ 74.7$ 58.3$ Atlanta 91.0$ 86.1$ 94.2$ Owner Occupied CRE 65.6 48.9 50.7 Coastal Georgia 28.5 31.1 26.7 Income Producing CRE 40.8 41.1 30.4 N. Georgia 69.0 41.3 64.5 Commercial Constr. 2.7 1.9 3.6 North Carolina 21.0 16.9 39.7 Total Commercial 224.5 166.6 143.0 Tennessee 16.7 9.6 25.7 Residential Mortgage 19.2 15.2 70.6 Gainesville 10.1 8.9 14.8 Residential HELOC 32.9 30.1 38.4 South Carolina 88.3 60.3 33.7 Residential Construction 34.0 29.6 31.6 Other (Indirect Auto) 32.2 33.3 104.5 Consumer 46.2 46.0 120.2 Total Markets 356.8$ 287.5$ 403.8$ Total Categories 356.8$ 287.5$ 403.8$ New Loans Funded and Advances MARKET (1) Represents new loans funded and net loan advances (net of payments on lines of credit)

21 21 Commercial Loans Commercial Loans (total $2.47 billion) (total $2.47 billion) $ in billions Geographic Diversity Income Producing 24% $.60B C & I 22% $.55B Comm Constr 7% $.16B Average Loan Size By Loan Type

22 22 Retail Retail (total $1.63 billion) (total $1.63 billion) Geographic Diversity Home Equity LOC 28% $.451B Avg loan size $48 thousand By Loan Type Mortgage 53% $.861B Avg loan size $101 thousand $ in billions Consumer 6% $.105B Indirect Auto 13% $.216B Success with new portfolio products and HELOCs Conservative underwriting 62.8% of HE Primary Lien

23 23 Residential Construction Residential Construction (total $302 million) (total $302 million) $ in millions Geographic Diversity Raw 12% $36 Lot 50% $151 By Loan Type Developing 11% $34 Sold 21% $62 Spec 6% $19 2Q14 1Q14 4Q13 3Q13 2Q13 2Q14 vs. 2Q13 TOTAL COMPANY Land Loans Developing 34$ 37$ 39$ 40$ 42$ (8)$ Raw 36 37 38 35 36 - Lot 151 159 166 167 173 (22) Total 221 233 243 242 251 (30) Construction Loans Spec 19 19 23 30 34 (15) Sold 62 66 62 46 47 15 Total 81 85 85 76 81 - Total 302$ 318$ 328$ 318$ 332$ (30)$ CONSTRUCTION

24 24 Credit Quality Credit Quality $ in millions 2Q14 1Q14 4Q13 3Q13 2Q13 Net Charge-offs 4.2$ 4.0$ 4.4$ 4.5$ 72.4$ as % of Average Loans .38 % .38 % .41 % .42 % 6.87 % Allowance for Loan Losses 73.2$ 75.2$ 76.8$ 80.4$ 81.8$ as % of Total Loans 1.66 % 1.73 % 1.77 % 1.88 % 1.95 % as % of NPLs 353 299 286 308 294 Past Due Loans (30 - 89 Days) .32% .40% .58% .45% .49% Non-Performing Loans 20.7$ 25.2$ 26.8$ 26.1$ 27.9$ OREO 3.0 5.6 4.2 4.5 3.9 Total NPAs 23.7 30.8 31.0 30.6 31.8 Performing Classified Loans 147.5 164.9 172.7 173.6 176.3 Total Classified Assets 171.2$ 195.7$ 203.7$ 204.2$ 208.1$ as % of Tier 1 / Allowance 23 % 27 % 27 % 26 % 27 % Accruing TDRs (see page 27) 84.5$ 77.9$ 78.7$ 79.8$ 77.8$ As % of Original Principal Balance Non-Performing Loans 66.5 % 65.8 % 65.3 % 61.6 % 62.6 % OREO 50.4 53.9 44.5 41.5 31.6 Total NPAs as % of Total Assets .32 .42 .42 .42 .44 as % of Loans & OREO .54 .71 .72 .72 .76

25 25 Non Non - - Performing Loans (NPLs) Inflow Trends Performing Loans (NPLs) Inflow Trends $ in millions Quarterly NPL Inflows Total NPLs

26 26 Performing Classified Loans Performing Classified Loans $ in millions 2Q13 3Q13 4Q13 1Q14 2Q14 Commercial: Commercial & Industrial 11$ 10$ 9$ 8$ 6$ Owner Occupied 43 40 43 48 48 Total C & I 54 50 52 56 54 Income Producing CRE 36 36 34 37 25 Commercial Construction 16 17 17 5 4 Total Commercial 106 103 104 98 83 Residential Mortgage 51 53 52 51 49 Residential Construction 17 16 14 13 13 Consumer / Installment 2 2 3 2 2 Total Performing Classified 176$ 174$ 173$ 164$ 147$ Classified to Tier 1 + ALL 27% 26% 27% 27% 23% By Category

27 27 TDRs TDRs $ in millions LOAN TYPE 2Q14 vs. 2Q13 2Q14 vs. 2Q13 2Q14 vs. 2Q13 Commercial (Sec by RE) 43.8$ 40.4$ 1.9$ 2.0$ 45.7$ 42.4$ Commercial & Industrial 2.9 2.9 - .1 2.9 3.0 Commercial Construction 11.1 12.9 .1 .1 11.2 13.0 Total Commercial 57.8 56.2 2.0 2.2 59.8 58.4 Residential Mortgage 17.9 14.3 2.2 2.1 20.1 16.4 Residential Construction 8.4 7.2 2.0 2.7 10.4 9.9 Consumer Installment .3 .1 - .1 .3 .2 Total 84.5$ 77.8$ 6.2$ 7.1$ 90.7$ 84.9$ Accruing (1) Non-Accruing Total TDRs Accruing TDRs TDR credit quality improving Accruing TDR past due 30 –89 days = 2.83% 42% of accruing TDRs are pass credits (1) 63.8 percent of accruing TDR loans have an interest rate of 4 percent or greater

28 28 Net Charge Net Charge - - offs by Category & Market offs by Category & Market $ in thousands NET CHARGE-OFFS BY CATEGORY Total % of Avg Loans 1Q14 4Q13 3Q13 2Q13 Commercial (Sec. by RE): Owner Occupied (1,836)$ (.64) % .10 % .57 % .58 % 5.85 % Income Producing 435 .29 .13 .21 .14 5.45 Total Comm (Sec. by RE) (1,401) (.32) .11 .44 .49 5.70 Commercial & Industrial 662 .52 .35 (.13) .12 13.91 Commercial Construction 131 .34 - (.02) .39 17.53 Total Commercial (608) (.10) .15 .30 .36 7.96 - - - 2.52 Residential Mortgage 2,509 1.17 .70 .64 .31 2.52 Home Equity LOC 466 .42 .93 .38 .37 1.04 Residential Construction 1,671 2.13 .27 .40 1.31 20.91 Consumer/ Installment 137 .18 .54 .62 .28 .10 Total Net Charge-offs 4,175$ .38 .38 .41 .42 6.87 NET CHARGE-OFFS BY MARKET North Georgia (741)$ (.25) % .42 % .51 % .66 % 17.20 % Atlanta MSA 1,481 .46 .39 .20 .33 3.21 North Carolina 2,161 1.55 .41 .76 .49 1.36 Coastal Georgia 116 .11 .49 .33 .14 .49 Gainesville MSA 797 1.23 .22 .54 .15 .19 East Tennessee 288 .42 .35 .46 .51 1.01 South Carolina / Corporate - - - - - - Other (Indirect Auto) 73 .14 .14 .20 .17 .24 2Q14 % of Average Loans (Annualized)

29 29 NPAs by Loan Category & Market NPAs by Loan Category & Market $ in thousands NPLs OREO Total NPAs NPLs OREO Total NPAs LOAN CATEGORY LOAN CATEGORY Commercial (sec. by RE): Commercial (sec. by RE): Owner Occupied 2,975$ 653$ 3,628$ Owner Occupied 5,283$ 547$ 5,830$ Income Producing 1,032 242 1,274 Income Producing 1,954 - 1,954 Commercial & Industrial 1,102 - 1,102 Commercial & Industrial 548 - 548 Commercial Construction 95 - 95 Commercial Construction 504 376 880 Total Commercial 5,204 895 6,099 Total Commercial 8,289 923 9,212 Residential Mortgage 10,201 1,426 11,627 Residential Mortgage 12,847 1,303 14,150 HELOC 510 128 638 HELOC 1,491 140 1,631 Residential Construction 4,248 520 4,768 Residential Construction 4,838 1,570 6,408 Consumer/ Installment 561 - 561 Consumer/ Installment 399 - 399 Total 20,724$ 2,969$ 23,693$ Total 27,864$ 3,936$ 31,800$ MARKET MARKET Gainesville 921$ 49$ 970$ Gainesville 1,008$ -$ 1,008$ Coastal Georgia 782 80 862 Coastal Georgia 2,588 627 3,215 East Tennessee 1,218 323 1,541 East Tennessee 1,123 200 1,323 North Carolina 5,314 615 5,929 North Carolina 6,512 295 6,807 Atlanta MSA 3,883 510 4,393 Atlanta MSA 3,803 1,197 5,000 North Georgia 8,216 1,392 9,608 North Georgia 12,830 1,617 14,447 Indirect Auto 390 - 390 2Q14 2Q13 *NPAs to total assets –.32% / Allowance to loans at 1.66% Non Performing Assets

APPENDIX

31 31 Experienced Proven Leadership Experienced Proven Leadership • Over 40 years in banking • Led company from $42 million in assets in 1989 to $7.3 billion today • Trustee of Young Harris College • Georgia Power Company Board Member • GA Economic Developers Association Spirit of Georgia Award recipient • Over 31 years in banking • Responsible for overall operations • Former Consultant and Special Assistant to the CEO and EVP of Commercial Banking for TD Bank Financial Group; and President & CEO of The South Financial Group • Over 36 years in banking • Responsible for accounting, finance and reporting activities, M&A, and investor relations • Former CAO and Controller for State Street Corporation • Former ABA Accounting Committee Chairman • Over 31 years in banking • Responsible for Risk Management and Credit Risk Administration; Chairman of Risk Management Committee; also responsible for credit underwriting, review, policy and special assets • Former EVP & SCO for SunTrust Banks • Over 36 years in banking • Responsible for 28 community banks with 103 branch offices • Formerly of Riegel Textile Credit Union; President of Farmers and Merchants Bank • Former Georgia Board of Natural Resources Board Chairman • Over 24 years in lending • Responsible for specialized lending • Former SBA head: TD Bank and Carolina First’s SBA programs • Former President of UPS Capital Business Credit • Highly decorated Commander in the U.S. Naval Reserve Intelligence Program (retired)

32 32 Market Share Opportunities & Demographics Market Share Opportunities & Demographics North Georgia $ 6.4 $ 2.2 11 22 34% 1 Western North Carolina 10.9 .9 1 19 8 3 Gainesville MSA 2.7 .3 1 5 12 4 Atlanta MSA 54.4 2.2 10 36 4 7 Coastal Georgia 7.0 .3 2 8 4 7 East Tennessee 15.6 .3 2 8 2 8 Total Markets $ 97.0 $ 6.2 27 98 ¹ FDIC deposit market share and rank as of 6/13 for markets where United takes deposits. Data Source: SNL and FDIC. 2 Based on current quarter. 3 Excludes four loan production offices and one full service banking office in Greenville, SC. Population Actual Projected Markets 1 (in thousands) 2010 - 2014 2014 - 2019 Atlanta, GA MSA 5,574 5% 3% East Tennessee 877 3 3 Greenville-Mauldin-Easley, SC MSA 856 4 4 Western North Carolina 443 2 5 Coastal Georgia 401 5 4 North Georgia 385 - 3 Gainesville, GA MSA 189 5 2 Total Markets Georgia 10,072 4 3 North Carolina 10,358 4 5 Tennessee 6,532 3 4 South Carolina 4,792 4 5 United States 317,199 3 3 ¹ Population data is for 2014 and includes those markets where United takes deposits. Data Source: SNL Population Growth (%) FAST GROWING MARKETS EXCELLENT GROWTH OPPORTUNITIES Markets Banks Offices (3) Rank (1) Market Deposits (in billions) (1) United Deposits (in billions) (2,3) Deposit Share (1)

33 33 Liquidity Liquidity 2Q14 1Q14 2Q13 vs 2Q13 Loans 4,410$ 4,356$ 4,189$ 54$ 221$ Core (DDA, MMDA, Savings) 3,624$ 3,572$ 3,322$ 52$ 302$ Public Funds 793 838 707 (45) 86 CD's 1,322 1,367 1,608 (45) (286) Total Deposits (excl Brokered) 5,739$ 5,777$ 5,637$ (38)$ 102$ Loan to Deposit Ratio 77% 75% 74% Investment Securities: Available for Sale -Fixed 1,076$ 948$ 1,120$ 128$ (44)$ -Floating 665 890 817 (225) (152) Held to Maturity -Fixed 443 459 197 (16) 246 -Floating 6 6 18 - (12) Total Investment Securities 2,190 2,303 2,152 (113) 38 Floating as % of Total Securities 31% 39% 39% vs 1Q14 Variance Unused Capacity 2Q14 1Q14 2Q13 vs1Q14 vs 2Q13 Wholesale Borrowings Brokered Deposits 1,403$ (1) 424$ 470$ 375$ (46)$ 49$ FHLB 921 175 50 70 125 105 Holding Company LOC 10 40 40 - - 40 Fed Funds 882 25 30 - (5) 25 Other Wholesale - 11 53 54 (42) (43) Total 3,216$ 675$ 643$ 499$ 32$ 176$ Long-Term Debt Senior Debt 75$ 75$ 35$ -$ 40$ Sub-Debt - - 35 - (35) Trust Preferred Securities 55 55 55 - - Total Long-Term Debt 130$ 130$ 125$ -$ 5$ Variance $ in millions (1) Estimated brokered deposit total capacity at 25% of assets

34 34 Business Mix Business Mix – – Deposits Deposits (at quarter (at quarter - - end) end) 2Q14 vs. DEPOSITS BY CATEGORY 2Q14 1Q14 4Q13 3Q13 2Q13 2Q13 Demand & Now 2,106$ 2,073$ 1,969$ 1,979$ 1,916$ 190$ MMDA & Savings 1,518 1,499 1,468 1,437 1,406 112 Core Transaction Deposits 3,624 3,572 3,437 3,416 3,322 302 Time < $100,000 801 828 888 920 977 (176) Time ≥ $100,000 < $250,000 441 427 443 473 512 (71) Public Deposits 760 804 863 734 674 86 Total Core Deposits 5,626 5,631 5,631 5,543 5,485 141 Time ≥ $250,000 110 112 114 120 120 (10) Public Deposits 33 34 32 31 32 1 Total Customer Deposits 5,769 5,777 5,777 5,694 5,637 132 Brokered Deposits 425 471 425 419 375 50 Total Deposits 6,194$ 6,248$ 6,202$ 6,113$ 6,012$ 182$ $ in millions

35 35 Core Transaction Deposits Core Transaction Deposits 1Q14 South Carolina 99.0 % 99.0 % Gainesville MSA 72.4 71.0 Coastal GA 70.6 69.6 East TN 66.2 65.9 North Carolina 66.0 64.2 Atlanta MSA 65.9 65.0 North Georgia 54.2 52.7 Total 63.1 % 61.8 % 2Q14 Core Transactions / Total Deposits $ in millions

36 36 Lending & Credit Environment Lending & Credit Environment PROACTIVELY ADDRESSING CREDIT ENVIRONMENT • Centralized underwriting and approval process • Segregated work-out teams • Highly skilled ORE disposition group • Seasoned regional credit professionals x Weekly past due meetings x Weekly NPA/ORE meetings x Quarterly criticized watch loan review meetings x Quarterly pass commercial and CRE portfolio review meetings $ in millions

37 37 Commercial Construction & Real Estate Commercial Construction & Real Estate Amount Percent Land Develop - Vacant (Improved) 53$ 34 % Raw Land - Vacant (Unimproved) 26 16 Multi-Residential 25 16 Commercial Land Development 16 10 Office Buildings 11 7 Other Properties 10 6 Churches 7 4 Hotels / Motels 5 3 Mfg Facility 3 2 Retail Building 2 1 Warehouse 2 1 Total Commercial Construction 160$ 30-Jun-14 COMMERCIAL CONSTRUCTION Owner Occupied Income Producing Total Percent Office Buildings 313.9$ 152.1$ 466.0$ 26.4 % Retail Building 100.1 149.9 250.0 14.2 Warehouse 120.2 57.9 178.1 10.1 Churches 139.0 - 139.0 7.9 Other Properties 108.1 38.6 146.7 8.3 Convenience Stores 87.4 17.7 105.1 6.0 Hotels / Motels - 63.5 63.5 3.6 Restaurants/Franchise Fast Food 35.1 26.9 62.0 3.5 Mfg Facility 49.1 5.3 54.4 3.1 Farmland 50.4 - 50.4 2.9 Multi-Resi Properties - 50.3 50.3 2.9 Leasehold Property 16.6 15.1 31.7 1.8 Golf Course/Country Club 25.7 - 25.7 1.5 Automotive Dealership 17.2 8.0 25.2 1.4 Automotive Service 17.9 .1 18.0 1.0 Daycare Facility 9.3 8.1 17.4 1.0 Funeral Home 14.3 .6 14.9 .8 Carwash 16.5 - 16.5 .9 Assisted Living / Nursing Home 9.6 - 9.6 .5 Marina 7.2 - 7.2 .4 Mobile Home Parks - 4.9 4.9 .3 Movie Theaters/Bowling/Rec 4.7 - 4.7 .3 Other Small Business 20.7 - 20.7 1.2 Total Commercial Real Estate 1,163.0$ 599.0$ 1,762.0$ 30-Jun-14 COMMERCIAL REAL ESTATE $ in millions

38 38 Loans by Business Mix and Region Loans by Business Mix and Region 2Q14 1Q14 4Q13 3Q13 2Q13 2Q14 vs. 2Q13 QUARTERLY LOANS - BUSINESS MIX BY CATEGORY Commercial: Comm & Indus 554$ 495$ 472$ 457$ 437$ 117$ Owner Occ'd 1,163 1,142 1,134 1,129 1,119 44 Total C & I 1,717 1,637 1,606 1,586 1,556 161 Income Prod CRE 598 624 623 614 629 (31) Comm Constr 160 148 149 137 133 27 Total Comm 2,475 2,409 2,378 2,337 2,318 157 Resi Mortgage 1,312 1,313 1,316 1,309 1,278 34 Resi Constr 302 318 328 318 332 (30) Consum / Install 321 316 307 303 261 60 Total Loans 4,410$ 4,356$ 4,329$ 4,267$ 4,189$ 221$ 2Q14 1Q14 4Q13 3Q13 2Q13 2Q14 vs. 2Q13 QUARTERLY LOANS - BY REGION North Georgia 1,175$ 1,205$ 1,240$ 1,262$ 1,265$ (90)$ Atlanta MSA 1,305 1,290 1,275 1,246 1,227 78 North Carolina 555 563 572 575 576 (21) Coastal Georgia 426 425 423 421 397 29 Gainesville MSA 257 262 255 253 256 1 East Tennessee 270 272 280 277 282 (12) South Carolina 206 131 88 47 34 172 Other (Ind. Auto) 216 208 196 186 152 64 Total Loans 4,410$ 4,356$ 4,329$ 4,267$ 4,189$ 221$ 2013 2012 2011 2010 2009 ANNUAL LOANS - BUSINESS MIX BY CATEGORY Commercial: Comm & Indus 472$ 458$ 428$ 441$ 390$ Owner Occ'd 1,134 1,131 1,112 980 963 Total C & I 1,606 1,589 1,540 1,421 1,353 Income Prod CRE 623 682 710 781 816 Comm Constr 149 155 164 297 363 Total Comm 2,378 2,426 2,414 2,499 2,532 Resi Mortgage 1,316 1,214 1,135 1,279 1,427 Resi Constr 328 382 448 695 1,050 Consum / Install 307 153 113 131 142 Total Loans 4,329$ 4,175$ 4,110$ 4,604$ 5,151$ 2013 2012 2011 2010 2009 ANNUAL LOANS - BY REGION North Georgia 1,240$ 1,364$ 1,426$ 1,689$ 1,884$ Atlanta MSA 1,275 1,250 1,220 1,310 1,435 North Carolina 572 579 597 702 772 Coastal Georgia 423 400 346 335 405 Gainesville MSA 255 261 265 312 390 East Tennessee 280 283 256 256 265 South Carolina 88 - - - - Other (Ind. Auto) 196 38 - - - Total Loans 4,329$ 4,175$ 4,110$ 4,604$ 5,151$ $ in millions

39 39 Non Non - - GAAP Reconciliation Tables GAAP Reconciliation Tables 2Q14 1Q14 4Q13 3Q13 2Q13 CORE FEE REVENUE Core fee revenue 13,938$ 11,930$ 13,219$ 13,966$ 14,063$ Securities gains, net 4,435 217 70 - - Losses on prepayment of borrowings (4,446) Gains from sales of low income housing tax credits - - - - 468 BOLI death benefit gain - - - 86 1,366 Mark to market on deferred compensation plan assets 216 29 230 173 46 Fee revenue (GAAP) 14,143$ 12,176$ 13,519$ 14,225$ 15,943$ CORE OPERATING EXPENSE Core operating expense 40,131$ 38,749$ 41,193$ 39,325$ 42,067$ Foreclosed property expense 102 116 191 194 5,151 Severance 83 156 - 405 1,559 Mark to market on deferred compensation plan liability 216 29 230 173 46 Operating expense (GAAP) 40,532$ 39,050$ 41,614$ 40,097$ 48,823$ TANGIBLE COMMON EQUITY AND TANGIBLE EQUITY TO TANGIBLE ASSETS Tangible common equity to tangible assets 9.58 % 9.22 % 8.99 % 9.02 % 6.30 % Effect of preferred equity - .28 2.60 2.74 2.83 Tangible equity to tangible assets 9.58 9.50 11.59 11.76 9.13 Effect of goodwill and other intangibles .03 .02 .03 .04 .06 Equity to assets (GAAP) 9.61 % 9.52 % 11.62 % 11.80 % 9.19 % TANGIBLE COMMON EQUITY TO RISK-WEIGHTED ASSETS Tangible common equity to risk-weighted assets 13.78 % 13.63 % 13.18 % 13.34 % 13.16 % Effect of preferred equity - - 2.39 4.01 4.11 Tangible equity to risk weighted assets 13.78 13.63 15.57 17.35 17.27 Effect of deferred tax limitation (3.71) (3.92) (4.26) (4.72) (4.99) Effect of other comprehensive income .53 .36 .39 .49 .29 Effect of trust preferred 1.03 1.03 1.04 1.09 1.11 Tier I capital ratio (Regulatory) 11.63 % 11.10 % 12.74 % 14.21 % 13.68 % Operating Earnings to GAAP Earnings Reconciliation $ in millions