On January 25, 2017, United Community Banks, Inc. (the
Registrant) issued a news release announcing its financial
results for the quarter ended December 31, 2016 (the News
Release). The News Release, including financial schedules,
is attached as Exhibit 99.1 to this Current Report on Form
8-K and is incorporated herein by reference. In connection
with issuing the News Release, on January 25, 2017 at 11:00
a.m. ET, the Registrant intends to hold a conference
call/webcast to discuss the News Release. In addition to
the News Release, during the conference call the Registrant
intends to discuss certain financial information contained
in the Fourth Quarter 2016 Investor Presentation (the
Investor Presentation), which will be posted to the
Registrants website at www.ucbi.com. The Investor
Presentation is attached as Exhibit 99.2 to this Current
Report on Form 8-K and is incorporated herein by reference.

The presentation of the Registrants financial results
includes financial information determined by methods other
than in accordance with generally accepted accounting
principles, or GAAP. This financial information includes
certain operating performance measures, which exclude
merger-related and other charges that are not considered
part of recurring operations, such as operating net income,
operating net income per diluted share, tangible book
value, operating return on common equity, operating return
on tangible common equity, operating return on assets,
operating dividend payout ratio, operating efficiency
ratio, average tangible equity to average assets, average
tangible common equity to average assets and tangible
common equity to risk-weighted assets. In addition,
management has included the presentation of pre-tax,
pre-credit earnings, which excludes the provision for
credit losses, income taxes and merger-related charges.
Management has included these non-GAAP measures because it
believes they may provide useful supplemental information
for evaluating the Registrants underlying performance
trends. Further, management uses these measures in managing
and evaluating the Registrants business and intends to
refer to them in discussions about the Registrants
operations and performance.

Operating performance measures should be viewed in addition
to, and not as an alternative to or substitute for,
measures determined in accordance with GAAP, and are not
necessarily comparable to non-GAAP measures that may be
presented by other companies. To the extent applicable,
reconciliations of these non-GAAP measures to the most
directly comparable measures as reported in accordance with
GAAP are included in the News Release and the Investor
Presentation attached as Exhibit 99.1 and Exhibit 99.2,
respectively, to this Current Report on Form 8-K.