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FR Y-6 OMB Number 7100-0297 Approval expires September 30, 201 B Page 1 of2

Board of Governors of the Federal Reserve System

Annual Report of Holding Companies-FR MAK 31 2016

D £.;By Report at the close of business as of the end of fiscal year

This Report is required by law: Section 5(c)(1 )(A) of the Bank Holding Company Act (12 U.S.C. § 1844 (c)(1)(A)) ; Section 8(a) of the International Banking Act (12 U.S.C. § 3106(a)); Sections 11(a)(1), 25 and 25A of the Federal Reserve Act (12 U.S.C. §§ 248(a)(1), 602, and 611a); Section 211 .13(c) of Regulation K (12 C.F.R. § 211 .13(c)); and Section 225.5(b) of Regulation Y (12 C.F.R. § 225.5(b)) and section 10(c)(2)(H) of the Home Owners' Loan Act. Return to the appropriate Federal Reserve Bank the original and the number of copies specified.

This report form is to be filed by all top-tier bank holding companies and top-tier savings and loan holding companies organized under U.S. law, and by any foreign banking organization that does not meet the requirements of and is not treated as a qualifying foreign banking organization under Section 211 .23 of Regulation K (12 C.F.R. § 211 .23). (See page one of the general instructions for more detail of who must file.) The Federal Reserve may not conduct or sponsor, and an organization (or a person) is not required to respond to, an information collection unless it displays a currently valid OMB control number.

NOTE: The Annual Report of Holding Companies must be signed by one director of the top-tier holding company. This individual should also be a senior official of the top-tier holding company. In the event that the top-tier holding company does not have an individual who is a senior official and is also a director, the chairman of the board must sign the report.

I, Rex Schuette Name of the Holding Company Director and Official

EVP, Chief Financial Officer Title of the Holding Company Director and Official

attest that the Annual Report of Holding Companies (including the supporting attachments) for this report date has been prepared in conformance with the instructions issued by the Federal Reserve System and are true and correct to the best of my knowledge and belief.

With respect to information regarding individuals contained in this report, the Reporter certifies that it has the authority to provide this information to the Federal Reserve. The Reporter also certifies that it has the authority, on behalf of each individual, to consent or object to public release of information regarding that individual. The Federal Reserve may assume, in the absence of a request for confidential treatment submitted in accordance with the Board's "Rules Regarding Availability of Information, " 12 C.FR. Part 261, that the Reporter and individ consent to public release of all details in the report cone ng tha · ividual.

Date of Signature

For holding companies not registered with the SEG-Indicate status of Annual Report to Shareholders:

D is included with the FR Y-6 report D will be sent under separate cover D is not prepared

For Federal Reserve Bank Use Only

RSSDID Ialj q 3\.( 1 C.I.

Date of Report (top-tier holding company's fiscal year-end):

December 31, 2015 Month I Day I Year

N/A Reporter's legal Entity Identifier (LEI) (20-Character LEI Code)

Reporter's Name, Street, and Mailing Address United Community Banks, Inc. Legal Title of Holding Company

PO Box 398 (Mailing Address of the Holding Company) Street I P.O. Box

Blairsville GA 30514 City State Zip Code

125 Highway 515 E Physical Location (if different from mailing address)

Person to whom questions about this report should be directed: Raelynn Jackson AVP , SR Financial Analyst Name ntte

706-7 45-0416 Area Code I Phone Number I Extension

706-7 45-1898 Area Code I FAX Number

[email protected] E-mail Address

www.ucbi.com Address (URL) for the Holding Company's web page

Does the reporter request confidential treatment for any portion of this submission?

D Yes Please identify the report items to which this request applies:

D In accordance with the instructions on pages GEN-2 and 3, a letter justifying the request is being provided.

D The information for which confidential treatment is sought is being submitted separately labeled "Confidential."

Public reporting burden for this information collection is estimated to vary from 1.3 to 101 hours per response, with an average of 5.25 hours per response, including time to gather and maintain data in the required form and to review instructions and complete the information collection. Send comments regarding this burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden to: Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551 , and to the Office of Management and Budget, Paperwork Reduction Project (7100-0297), Washington , DC 20503.

12/2015

http:www.ucbi.commailto:[email protected]

FRY-6 Page 2 of2

For Use By Tiered Holding Companies Top-tiered holding companies must list the names, mailing address, and physical locations of each of their subsidiary holding companies below.

Physical Location (if different from mailing address) Physical Location (if different from mailing address)

United Community Bank Legal Title of Subsidiary Holding Company Legal Title of Subsidiary Holding Company

PO Box 398 (Mailing Address of the Subsidiary Holding Company) Street I P.O. Box (Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

Blairsville GA 30514 City State Zip Code City State Zip Code

177 Highway 515 E Physical Location (if different from mailing address) Physical Location (if different from mailing address)

Legal Title of Subsidiary Holding Company Legal Title of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box (Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

City State Zip Code City State Zip Code


Legal Title of Subsidiary Holding Company Legal Title of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box (Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

City State Zip Code City State Zip Code


Legal Title of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

City State Zip Code

Legal Title of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

City State Zip Code

12/2012

Form FRY -6 UNITED COMMUNITY BANKS, INC. REPORT ITEM 2a: Organization Chart FiscaI Year Ending December 31, 2015

Unfted Community Bank State of Incorporation: Georgia

Blalrsvl lle, Georgia 100°1. Voting Equity

LEI = T68XSUAQYRNOV034K14

Unhltd Conwnunlty R!sk UCB Nonh Georgiai Pro.,-rtMs, lne. Manailtment S.Mcu, Inc.

State oflncorporatlon: Georgia Statlt or lncorpot""don: Nev•daBialrsvt.._, Georg4a C.11rson City, Nnada100% voeng EquUy 100% VQlng fct'llty J

Untetd C°""1U'\lty Ins. SeMcu, tne. UCB Metro Propertta, Inc,Stlbt oflncorporacton: Georgia Statll oflncorpor.Uon: Georgl.II Uni.d Conwnunlty Statutory Trust.Blatrsvtne, Georgl.a rBlalnvtne, Georgia StaIll of Incorporation: G40tglll)100% Voting Equity l00% Voting Eql.iey Blalnvlfte, GeOfgta

100% Voting Equtty J l

Unftltd CotmlUntty Dwek>pment Corp UCB Coafllll Pro.,.rUH, Inc.

State of tncorporatlon: GflWgia l r Stall! oflncorporatfon: GeOf'gJI!

Bl&lnvNle, Georgia Southrtm S.ncorp Capttal Trust I 100% Yolng EquHy

Billrsvl&le, Georgia ) r State of Incorporation: Georgia100% Vo41ng EquityJ l r UCB North Caroffna ~rtiH. Inc. Unftled Comrnuntty Mortgage Servkes, Inc Stltit oflncorporadon: North CuoUna

Blalrsvot., Georgia

Stt.tt or lncorponllon: C.orgla

Murphy, North Carolina

100% voanu Equity 100% Voting Equityl lJ

[ UCB hnnH... Proptrtlest the. Stlte of lncorporaaon: Georgia UCB •tro R.al &tttll: tnvestrnenls, IM Stai• oftncorporaaon: TennHsee Bla:lrsvUle, Georgla Bla:lrsvllle, Georgia 100% V°'8'1g Equtt;y 100% Volng Equity J UCB South Caronna Properdff. Inc.

Stltit of Incorporation: G•OI'~

UCBt G""fll Crtdtts LlC

Stt• of lncorporalon: South Caroftna

Blalrsvtlle, Georgia GrttnVfHe, Sooth C.roflna

100% V°'8'1g Equtty )100'1.V-Equlty f Union Hoktings, Inc. UCB Real Estate 9nvestments, Inc St1• of lncorporallon: Nevada

Blalrsvftle, Georglll

Stlltit of lncorporalon: G•or;La

Us V*fas, Nevula

100% Voting Equtty 100% Voting EquityJ l 1

I United Community P.ytTmlt Systems UC Unk»n lnVH~ts, Inc..

State of Incorporation: ~aware Stale of tncorponUon: Nevada Uls Vegas, NevadaOxfored, Missfsslppl [ ]100% Volng Equity

Umited Partner/~on-~naclna Member

United Community

Banks, Inc.

State of Incorporation: Georgia

Blairsville, GA 30514

l M.rMaa, G.orglll 100% Voling Equity

"No companies under United Community Banks Inc. have LEI to report except United Community Bank"

United Community Banks, Inc Report Item 2a Org Chart 20i 5

http:Georgl.II

Form FRY - 6 UNITED COMMUNITY BANKS, INC.

REPORT ITEM 2b: Domestic Branch Listing .J Fiscal Year Ending December 31 , 2015 ~

Branch Data Effective Service Branch Action Date Type 10 RSSD' Popular Name

Full Service (Head

OK Office) 1017939 UNITED COMMUNITY BANK

OK Full Service 425135 HIGHWAY 140 BRANCH OK Full Service 3644816 MIDWAY BRANCH OK Full Service 2352486 EMBRY HILLS OFFICE OK Full Service 3050088 BRACKETTS WAY BRANCH OFFICE OK Full Service 9339 APPALACHIAN HIGHWAY BRANCH

OK Full Service 1191875 INGLES SUPERMARKET BRANCH

OK Full Service 3133691 MALL BRANCH

OK Full Service 3133673 NORTH BRUNSWICK BRANCH OK Full Service 3140260 BUFORD BRANCH OK Full Service 3073041 BRIDGE MILL BRANCH OFFICE OK Full Service 3208647 RIVERSTONE BRANCH

OK Full Service 2511126 CARROLL TON BRANCH OK Full Service 3250178 JOE FRANK HARRIS PARKWAY BRANCH OFFICE OK Full Service 2224949 CAVE SPRING BRANCH OK Full Service 2752853 CLARKESVILLE OFFICE OK Full Service 1439308 RABUN COUNTY BRANCH OK Full Service 3405978 QUILIAN CORNER BRANCH OK Full Service 277138 EASTKYTELSTREETBRANCH OK Full Service 3586493 JACKSON COUNTY BRANCH OK Full Service 2596619 CONYERS MAIN BRANCH OK Full Service 2620701 ROCKDALE BRANCH OK Full Service 3164033 CORNELIA BRANCH OFFICE OK Full Service 4444059 COVINGTON BYPASS BRANCH OK Full Service 3488328 CUMMING BRANCH OK Full Service 2853264 HAMMOND'S CROSSING BRANCH OK Full Service 2480017 LUMPKIN COUNTY BRANCH OK Full Service 2633505 MORRISON-MOORE PARKWAY BRANCH OK Full Service 195634 DAWSONVILLE BRANCH OK Full Service 600334 GEORGIA 400 FACILITY OK Full Service 2874241 DOUGLASVILLE BRANCH OFFICE OK Full Service 2882666 ELLIJAY BRANCH OK Full Service 428435 FAIRBURN OFFICE OK Full Service 3944851 SOUTHERN COMMUNITY BANK BRANCH OK Full Service 3405987 GAINESVILLE BRANCH OK Full Service 3405950 SANDRIDGE COURT BRANCH OK Full Service 393131 HELEN BRANCH OK Full Service 471570 TOWNS COUNTY BRANCH OK Full Service 2517388 HIRAM BRANCH OK Full Service 3488319 JASPER BRANCH OK Full Service 2144159 JOHNS CREEK OFFICE OK Full Service 2860066 LAWRENCEVILLE BRANCH OK Full Service 3287437 LOCUST GROVE BRANCH OFFICE OK Full Service 2698492 CHEROKEE STREET BRANCH OK Full Service 2633541 MARIETIA OFFICE OK Full Service 1917105 MCCAYSVILLE BRANCH OK Full Service 3189942 MCDONOUGH BRANCH OK Full Service 3644786 MONROE BRANCH OK Full Service 2849771 THOMPSON BRIDGE ROAD BRANCH OK Full Service 3271034 NEWNAN OFFICE OK Full Service 3351244 SULLIVAN ROAD BRANCH OK Full Service 3439665 SOUTH HALL BRANCH OK Full Service 3189915 PEACHTREE CITY BRANCH OFFICE OK Full Service 2423872 LOST MOUNTAIN CROSSING OFFICE OK Futl Service 1436099 POWDER SPRINGS BRANCH OK Full Service 160333 EAST 2ND AVENUE BRANCH OK Full Service 3050248 MARTHA BERRY BRANCH OFFICE

Street Address City State Zip Code County

177 HIGHWAY 515 EAST BLAIRSVILLE GA 30512 UNION 7400 AOAIRSILLE HIGHWAY ADAIRSVILLE GA 30103 BARTOW

5125 ATLANTA HIGHWAY ALPHARETIA GA 30004 FULTON 3310 HENDERSON MILL ROAD ATLANTA GA 30341 DEKALB 149 BRACKETTS WAY BLAIRSVILLE GA 30512 UNION 4000 APPALACHIAN HIGHWAY BLUE RIDGE GA 30513 FANNIN 5679 APPALACHIAN HIGHWAY BLUE RIDGE GA 30513 FANNIN 109 SCRANTON CONNECTOR BRUNSWICK GA 31525 GLYNN 2001 COMMERCIAL DRIVE SOUTH BRUNSWICK GA 31525 GLYNN

4356 SOUTH LEE STREET BUFORD GA 30518 GWINNETI 3781 SIXES ROAD CANTON GA 30114 CHEROKEE

2215 RIVERSTONE BOULEVARD CANTON GA 30114 CHEROKEE 119 MAPLE STREET CARROLLTON GA 30117 CARROLL 1320 JOE FRANK HARRIS PARKWAY CARTERSVILLE GA 30120 BARTOW

15 CEDARTOWN STREET CAVE SPRING GA 30124 FLOYD

468 WEST LOUIS STREET CLARKESVILLE GA 30523 HABERSHAM U.S. HIGHWAY 441 & DUVALL ST. CLAYTON GA 30525 RABUN 5215 DAHLONEGA HIGHWAY CLERMONT GA 30527 HALL

153 EAST KYTLE STREET CLEVELAND GA 30528 WHITE 2055 HOMER ROAD COMMERCE GA 30529 JACKSON

1000 HWY 138 SE CONYERS GA 30013 ROCKDALE 1600 GA HWY 20 N CONYERS GA 30012 ROCKDALE

1472 HIGHWAY 44 1 BYPASS CORNELIA GA 30531 HABERSHAM 9100 COVINGTON BYPASS COVINGTON GA 30014 NEWTON

1015 BUFORD HIGHWAY CUMMING GA 30041 FORSYTH 4365 BROWNS BRIDGE ROAD CUMMING GA 30041 FORSYTH

104 MEMORIAL DRIVE DAHLONEGA GA 30533 LUMPKIN 206 MORRISON-MOORE PARKWAY DAHLONEGA GA 30533 LUMPKIN

109 HIGHWAY 53 WEST DAWSONVILLE GA 30534 DAWSON

6372 HIGHWAY 53 EAST DAWSONVILLE GA 30534 DAWSON

6670 EAST CHURCH STREET DOUGLASVILLE GA 30134 OOUGLAS

558 INDUSTRIAL BLVD ELLIJAY GA 30540 GILMER

65 WASHINGTON STREET FAIRBURN GA 30213 FULTON

525 NORTH JEFF DAVIS DRIVE FAYETIEVILLE GA 30214 FAYETIE

351 JESSE JEWELL PKWY GAINESVILLE GA 30501 HALL 2157 SANDRIDGE COURT GAINESVILLE GA 30501 HALL

8460 HIGHWAY 75 NORTH HELEN GA 30545 WHITE

214 NORTH MAIN STREET HIAWASSEE GA 30546 TOWNS 226 HIRAM-DOUGLASVILLE HIGHWAY HIRAM GA 30141 PAULDING 118 WHITF IELD DRIVE, SUITE F JASPER GA 30143 PICKENS 6600 MCGINNIS FERRY ROAD JOHNS CREEK GA 30097 FULTON 2230 RIVERSIDE PARKWAY LAWRENCEVILLE GA 30043 GWINNETI 4970 BILL GARDNER PARKWAY LOCUST GROVE GA 30248 HENRY

200 CHEROKEE STREET MARIETIA GA 30060 COBB 1001 POUK STREET MARIETIA GA 30064 COBB

182 BLUE RIDGE DR MCCA YSVILLE GA 30555 FANNIN

865 HIGHWAY 20/81 MCDONOUGH GA 30253 HENRY

2120 WEST SPRING STREET MONROE GA 30655 WALTON

5504 THOMPSON BRIDGE ROAD MURRAYVILLE GA 30564 HALL

71 BULLSBORO DRIVE NEWNAN GA 30263 COWETA

2245 EAST HIGHWAY 34 NEWNAN GA 30265 COWETA

3785 MUNDY MILL ROAD OAKWOOD GA 30566 HALL

1500 COMMERCE DR. PEACHTREE CITY GA 30269 FAYETIE

5100 DALLAS HIGHWAY POWDER SPRINGS GA 30127 COBB

1220 RICHARD SAILORS PARKWAY POWDER SPRINGS GA 30127 COBB

307 EAST 2ND AVENUE ROME GA 30161 FLOYD 2760 MARTHA BERRY ROME GA 30165 FLOYD

FDIC Office Head Office Country UNINUM• Number" Head Office ID RSSO' Comments

UNITED STATES 10978 0 UNITED COMMUNITY BANK 1017939

STATES 549 11 UNITED COMMUNITY BANK 1017939



STATES 420142 41 UNITED COMMUNITY BANK 1017939 STATES 35847 13 UNITED COMMUNITY BANK 1017939 STATES 260042 14 UNITED COMMUNITY BANK 1017939 STATES 365485 40 UNITED COMMUNITY BANK 1017939 STATES 287164 38 UNITED COMMUNITY BANK 1017939 STATES 364222 86 UNITED COMMUNITY BANK 1017939 STATES 363049 24 UNITED COMMUNITY BANK 1017939












STATES 366322 32 UNITED COMMUNITY BANK 1017939 STATES Nol Requi'ed Nol Requi'ed UNITED COMMUNITY BANK 1017939


















STATES 79494 82 UNITED COMMUNITY BANK 1017939 STATES 442551 114 UNITED COMMUNITY BANK 1017939 STATES 61818 72 UNITED COMMUNITY BANK 1017939 STATES 45600 20 UNITED COMMUNITY BANK 1017939

STATES 260043 15 UNITED COMMUNITY BANK 1017939 STATES 419123 50 UNITED COMMUNITY BANK 1017939 STATES 468308 88 UNITED COMMUNITY BANK 1017939










United Community Banks, Inc. Page 1of3 Report Item 2b Domestic Br 2015

Form FR Y-6 UNITED COMMUNITY BANKS, INC.

REPORT ITEM 2b: Domestic Branch Listing

Fiscal Year Ending December 31 , 2015

Branch

Data Effective Service Branch Action Date Type ID RSSD' Popular Name

Full Service (Head

OK Office) 1017939 UNITED COMMUNITY BANK

OK Full Service 425135 HIGHWAY 140 BRANCH

DK Full Service 3644816 MIDWAY BRANCH

DK Full Service 2352486 EMBRY HILLS OFFICE

OK Full Service 2723545 SHORTER AVENUE OFFICE

OK Full Service 3133664 SAINT SIMONS ISLAND BRANCH

OK Eull Service 3290857 SAVANNAH BRANCH OFFICE

OK Full Service 3644740 SAVANNAH SOUTHSIDE BRANCH

OK Full Service 3454501 SOUTH SAVANNAH BRANCH

OK Full Service 3217685 SNELLVILLE BRANCH OFFICE

OK Full Service 2621931 EAGLES LANDING PARKWAY BRANCH

OK Full Service 2914464 PEOPLES FIRST COMMUNITY BRANCH OFFICE

OK Full Service 3405969 TRION BRANCH

OK Full Service 3405932 TYRONE BRANCH

OK Full Service 3029646 VILLA RICA BRANCH

OK Full Service 3133682 WAYCROSS BRANCH

OK Full Service 1169986 ANDREWS BRANCH

OK Full Service 873222 BAKERSVILLE MAIN BRANCH

OK Full Service 3676787 BLOWING ROCK BRANCH

OK Full Service 2653866 BREVARD BRANCH

OK Full Service 3300194 WEST MAIN BREVARD BRANCH

OK Full Service 2653839 BRYSON CITY BRANCH

OK Full Service 3300185 BURNSVILLE BRANCH

OK Full Service 2653848 CASHIERS BRANCH

OK Full Service 3300206 ETOWAH BRANCH

OK Full Service 2653820 FRANKLIN BRANCH

OK Full Service 1192452 HAYESVILLE BRANCH

OK Full Service 3586484 EAST HENDERSONVILLE BRANCH

OK Full Service 749121 MURPHY BRANCH

OK Full Service 1888876 NEWLAND BRANCH OK Full Service 2441625 ROBBINSVILLE BRANCH

OK Full Service 3300167 SPRUCE PINE BRANCH

OK Full Service 2653857 SYLVA BRANCH

OK Full Service 2439024 WAYNESVILLE BRANCH

OK Full Service 3300176 WHITTIER BRANCH

OK Full Service 558828 GREENVILLE BRANCH

OK Full Service 2951973 HUNTERS CROSSING BRANCH

OK Full Service 3482997 CLEVELAND TN BRANCH

OK Full Service 3586505 CLEVELAND TN MAIN BRANCH

OK Full Service 2649663 KINGSTON BRANCH

OK Full Service 2334183 FARRA GUT BRANCH

OK Full Service 1864375 LENOIR CITY BRANCH

OK Full Service 2241713 TELLICO VILLAGE BRANCH

OK Full Service 3103630 MADISONVILLE BRANCH

Merger 711712015 Full Service Ocoee Crossing Branch

Merger 711712015 Full Service West Knox Branch

Merger 711712015 Full Service Middlebrook Pike Office

Merger 711712015 Full Service Hwy 321 Office Branch

Merger 711712015 Full Service First National Bank Branch

Merger 711712015 Full Service Loudon Branch

Merger 711712015 Full Service Tellico Village Branch

Merger 711712015 Full Service Dixie Lee Branch

Merger 711712015 Full Service Maryville Brancil

Merger 711712015 Full Service Vonore Office Branch

Merger 91112015 Full Service Abbeville Branch Merger 9111201 5 Full Service Emeritus At Anderson Place Branch Merger 911120 15 Full Service Anderson Branch

Street Address City State Zip Code

177 HIGHWAY 515 EAST BLAIRSVILLE GA 30512 7400 ADAIRSILLE HIGHWAY ADAIRSVILLE GA 30103 5125 ATLANTA HIGHWAY ALPHARETTA GA 30004 3310 HENDERSON MILL ROAD ATLANTA GA 30341 2436 SHORTER AVENUE ROME GA 30165 2461 DEMERE ROAD SAINT SIMONS ISLAND GA 31522 27 BULL STREET SAVANNAH GA 31401 8201 WHITEBLUFF ROAD SAVANNAH GA 31406 2225 EAST VICTORY DRIVE SAVANNAH GA 31404 2168 SCENIC HIGHWAY SNELLVILLE GA 30078 850 EAGLES LANDING PARKWAY STOCKBRIDGE GA 30281 9699 ROME BOULEVARD SUMMERVILLE GA 30747 14031HIGHWAY27 TRION GA 30753 1528 N. HWY 74 TYRONE GA 30290 485 WEST BANKHEAD HWY VILLA RICA GA 30180 1010 PLANT AVENUE WAYCROSS GA 31501 732 MAIN STREET ANDREWS NC 28901 54 MITCHELL AVE BAKERSVILLE NC 28705 8433 VALLEY BLVD BLOWING ROCK NC 28605 1225 ASHEVILLE HWY BREVARD NC 28712 160 WEST MAIN STREET BREVARD NC 28712 145 SLOPE ST BRYSON CITY NC 28713 291 EAST US HIGHWAY 19E BURNSVILLE NC 28714 20 FRANK ALLEN ROAD CASHIERS NC 28717 50 UNITED BANK DRIVE ETOWAH NC 28729 257 EAST MAIN ST FRANKLIN NC 28734 95 HWY 64 WEST HAYESVILLE NC 28904 2520 CHIMNEY ROCK ROAD HENDERSONVILLE NC 28792 116 PEACHTREE STREET MURPHY NC 28906 200 LINVILLE ST NEWLAND NC 28657 132 RODNEY ORR BYPASS ROBBINSVILLE NC 28771 800 SUMMIT AVENUE SPRUCE PINE NC 28777 1640 EAST MAIN ST SYLVA NC 28779 165 NORTH MAIN STREET WAYNESVILLE NC 28786 3273 US HWY 441 N WHITTIER NC 28789 1400 AUGUST A STREET GREENVILLE SC 29605 1087 HUNTERS CROSSING ALCOA TN 37701 4225 NORTH OCONEE STREET CLEVELAND TN 37312 2525 KE ITH STREET CLEVELAND TN 37312 223 NORTH THIRD STREET KINGSTON TN 37763 11134 KINGSTON PIKE KNOXVILLE TN 37934 725 HIGHWAY 321 NORTH LENOIR CITY TN 3777 1 202 CHOTA ROAD LOUDON TN 37774 4930 NEW HIGHWAY 68. UNIT C MADISONVILLE TN 37354 137 Ocoee Crossing Nw Cleveland TN 37312 10514 Kingston Pike Knoxville TN 37922 9610 Countryside Center Lane Knoxville TN 37931 257 Medical Park Drive Lenoir City TN 37771 200 East Broadway Lenoir City TN 37771 817 Mulberry Street Loudon TN 37774 290 Village Square Loudon TN 3m4 16239 Hwy 70 E Loudon County TN 37771 1708 West Broadway Maryville TN 37801

2041Hwy411 Vonore TN 37885 100 West Greenv.ood St Abbeville SC 29620 311 Simpson Road Anderson SC 29621 815 North Main Street Anderson SC 29621

FDIC Offi ce Head Office County Country UNINUM' Numbe,.-. Head Office ID RSSD· Comments

UNITED UNION STATES 10978 0 UNITED COMMUNITY BANK 1017939

BARTOW STATES 549 11 UNITED COMMUNITY BANK 1017939

FULTON STATES 465931 80 UNITED COMMUNITY BANK 1017939 DEKALB STATES 261147 84 UNITED COMMUNITY BANK 1017939

FLOYD STATES 249290 9 UNITED COMMUNITY BANK 1017939 GLYNN STATES 287154 34 UNITED COMMUNITY BANK 1017939 CHATHAM STATES 430663 47 UNITED COMMUNITY BANK 1017939 CHATHAM STATES 468307 87 UNITED COMMUNITY BANK 1017939 CHATHAM STATES 449885 58 UNITED COMMUNITY BANK 1017939 GWINNETT STATES 423181 85 UNITED COMMUNITY BANK 1017939 HENRY STATES 57044 49 UNITED COMMUNITY BANK 1017939 CHATTOOGA STATES 356703 10 UNITED COMMUNITY BANK 1017939 CHATTOOGA STATES 449888 61 UNITED COMMUNITY BANK 1017939 FAYETTE STATES 445004 56 UNITED COMMUNITY BANK 1017939

CARROLL STATES 290523 30 UNITED COMMUNITY BANK 1017939 WARE STATES 287162 37 UNITED COMMUNITY BANK 1017939 CHEROKEE STATES 257521 93 UNITED COMMUNITY BANK 1017939 MITCHELL STATES 234243 105 UNITED COMMUNITY BANK 1017939 WATAUGA STATES 465934 111 UNITED COMMUNITY BANK 1017939 TRANSYLVANIA STATES 257527 100 UNITED COMMUNITY BANK 1017939 TRANSYLVANIA STATES 257529 102 UNITED COMMUNITY BANK 1017939 SWAIN STATES 257524 97 UNITED COMMUNITY BANK 1017939 YANCEY STATES 429541 107 UNITED COMMUNITY BANK 1017939 JACKSON STATES 257525 98 UNITED COMMUNITY BANK 1017939

HENDERSON STATES 257530 103 UNITED COMMUNITY BANK 1017939 MACON STATES 255995 96 UNITED COMMUNITY BANK 1017939 CLAY STATES 257520 92 UNITED COMMUNITY BANK 1017939 HENDERSON STATES 461364 110 UNITED COMMUNITY BANK 1017939 CHEROKEE STATES 17080 91 UNITED COMMUNITY BANK 1017939 AVERY STATES 264864 104 UNITED COMMUNITY BANK 1017939 GRAHAM STATES 257523 94 UNITED COMMUNITY BANK 1017939 MITCHELL STATES 429540 106 UNITED COMMUNITY BANK 1017939 JACKSON STATES 257526 99 UNITED COMMUNITY BANK 1017939 HAYWOOD STATES 204893 95 UNITED COMMUNITY BANK 1017939 JACKSON STATES 257528 101 UNITED COMMUNITY BANK 1017939 GREENVILLE STATES 558828 119 UNITED COMMUNITY BANK 1017939 BLOUNT STATES 360972 68 UNITED COMMUNITY BANK 1017939

BRADLEY STATES 469441 90 UNITED COMMUNITY BANK 1017939 BRADLEY STATES 458356 74 UNITED COMMUNITY BANK 1017939 ROANE STATES 289594 66 UNITED COMMUNITY BANK 1017939 KNOX STATES 289593 65 UNITED COMMUNITY BANK 1017939 LOUDON STATES 47077 62 UNITED COMMUNITY BANK 1017939 LOUDON STATES 289592 64 UNITED COMMUNITY BANK 1017939 MONROE STATES 363275 69 UNITED COMMUNITY BANK 1017939 Bradley STATES 448868 126 UNITED COMMUNITY BANK 1017939 Knox STATES 205682 123 UNITED COMMUNITY BANK 1017939 Knox STATES 497267 128 UNITED COMMUNITY BANK 1017939 Loudon STATES 453113 127 UNITED COMMUNITY BANK 1017939 Loudon STATES 3290 120 UNITED COMMUNITY BANK 1017939 Loudon STATES 205681 122 UNITED COMMUNITY BANK 1017939 Loudon STATES 419414 125 UNITED COMMUNITY BANK 1017939 Loudon STATES 205679 121 UNITED COMMUNITY BANK 1017939 Blount STATES 205683 124 UNITED COMMUNITY BANK 1017939 Monroe STATES 556594 129 UNITED COMMUNITY BANK 1017939 Abbeville STATES 275687 153 UNITED COMMUNITY BANK 1017939 Anderson STATES 541308 160 UNITED COMMUNITY BANK 1017939 Anderson STATES 219279 141 UNITED COMMUNITY BANK 1017939

United Community Banks, Inc. Page 2 of 3 Report Item 2b Domestic Br 2015

Form FRY- 6 UNITED COMMUNITY BANKS, INC.

REPORT ITEM 2b: Domestic Branch Listing


Branch Data Effective Service Branch Action Date Type ID RSsD· Popu lar Name

Full Service (Head

OK Office) 1017939 UNITED COMMUNITY BANK OK Full Service 425135 HIGHWAY 140 BRANCH OK Full Service 3644816 MIDWAY BRANCH OK Full Service 2352486 EMBRY HILLS OFFICE Merger 9/112015 Full Service Boiling Springs Branch Merger 9/1/2015 Full Service Clinton Branch Merger 911/2015 Full Service Duncan Branch Merger 9/112015 Full Service Easley Branch Merger 91112015 Full Service Fountain Inn Branch Merger 91112015 Full Service Gaffney Branch Merger 91112015 Full Service Woodruff Road Branch Merger 91112015 Full Service The Palmetto Bank Al Cascades Merger 91112015 Full Service Rolling Green Village Branch Merger 9/112015 Full Service Ha)'\\Od STATES 219278 140 UNITED COMMUNITY BANK 1017939 Greenville STATES 219293 152 UNITED COMMUNITY BANK 1017939 Spartanburg STATES 219284 146 UNITED COMMUNITY BANK 1017939 Laurens STATES 219282 144 UNITED COMMUNITY BANK 1017939 Laurens STATES 219266 131 UNITED COMMUNITY BANK 1017939 Laurens STATES 518149 159 UNITED COMMUNITY BANK 1017939 Greenville STATES 219288 151 UNITED COMMUNITY BANK 1017939 Greenv.uod STATES 275181 149 UNITED COMMUNITY BANK 1017939 Anderson STATES 219285 147 UNITED COMMUNITY BANK 1017939 Oconee STATES 363587 155 UNITED COMMUNITY BANK 1017939 Greenville STATES 219268 133 UNITED COMMUNITY BANK 1017939 Spartanburg STATES 219271 135 UNITED COMMUNITY BANK 1017939 Spartanburg STATES 219274 136 UNITED COMMUNITY BANK 1017939 Greenville STATES 363037 154 UNITED COMMUNITY BANK 1017939

United Community Banks, Inc. Page 3 of 3 Report Item 2b Domestic Br 2015

Form FR Y-6

UNITED COMMUNITY BANKS, INC.

REPORT ITEM 3: 5% .+ SHAREHOLDERS


Country .___N_a_me_ _.I~~

Current Shareholders with ownership, control or holdings of 5% or more with power to vote as of fiscal year ending 12131/15

ITEM 3 r-- ( 1 )~=-==-~ (1 )(b)j_ BlackRock Fund Advisors, San Francisco, CA USA Wellington Management Co., LLP, Boston, MA USA CapGen Capital Group, LP, New York NY USA

Shareholders not listed in 3 (1 )(a) through 3 (1 )(c) that had ownership, control or holdings of 5% or more with power to vote as of fiscal year ending 12131/15

ITEM 3 (2)(a) (2)(b) JI NONE NONE

#of Shares % of Class

(1 )(c)

5,670,947 7.86%

5,471 ,662 7.58%

3,992,453 5.53%

(2)(c)

NONE

United Community Banks. Inc. Page 1 Report Item 3 - 5% Shareholders

1-~;j~---.....,-----..--· ,~~ -ndpo,;:km --T {3)(•) United Corrrnunlty Banks, tnc..

Form FR Y-6


REPORT ITEM 4: Insiders

Directors and Officers


TltlefPosllion i Percentage or Voting Shares

11ub1 -·--- ,c~---·----··r~;~~-;il ~1~~ . ,.. b oifecti:!.oner I B&e:lock lnsurara Agency, Inc. Dlredor DifKtor, United Community Bank (Charter) Blalock lnsunme• Agency· President None (Subsidiaries v.Mly ov.ned) 100.0% Blalock tnsuninoe Agency -'UditCommlttee Audit Commttee (Member) Risk Committee

Nominating & Corporate Governance Committee

Director Director. UnHed Community Bank (Charter) Young Hanis College • Presidenl 12,585 0.017'JI. None {Subsldilries v.holly o~d) 0.0% Young Harris College Compensation Committee Chairperson Member Audit Committee (Charter) Cox for Governor · Candld

Form FRY -6


REPORTITEM 4: Insiders



(11 N.ne.CICy11nd StatelCC>Wtery

,__i.;__-(21

Prindpat Oc:c.up.llon:

-- ----

I !

-· - T..IPOMllDn -----------

Pl!bl Direct Of lndnct Subskth1ries

(incklde ,..,., _j_

(3)(cl OChet'Buslrteu

f)nc:lucte n.ame of buskM.u)

I

Olfed~~ltlCl Subsidiaries..... J:!!'I 1· " t•l~I °"1ef Busineu ......

!':!'!' _.._ -'.:'!""' •.

....... Oirec:to1 Dhcto1, l.M1iled Commtr.iry Bank (Chart•r) - ""' 0.001 ... None (~1ries~O'Mltd) .... Ret~9d Olrtctor

RIM Commll!M Ch1lrman Al.Jdil Commla&e Mambe1 CompenN(bn Commit..

Nom1Mlt1g & Corpora.le Gov•m.l'ICI Comrn11n

Dltec:tor, United CommunitY Bank (Chatter) Membe1 Audit CommittH (Ch•fltr)

I I

23,056 O.OJ:N None (Subskllariu lllholty ov.ned)

~-·

PrH~dent & COO united Community Blinks, 9nc. Prulderf & coo PrHidrlnl & COO, Unlltd Community S.nt (CIWletJ Wmton Mlignoili PropertlH, llC 0.313'225.059 None (SUlticli•rlnW!oly-.d} 100.ft 'Mnaton Mmgnob ~. LLC Vice Chlirman, UMed Commtny Mongllgl. 5efvklH. Inc. Director, Unied Comm.rlty Dl'¥elopmert Cofponitbn

,_a;-.,...__ ~

RlllWed Dnclo< Dnctot, Unhd Commlnty 8ank (Charter) .... 18.251 0.025... Nont (~riesW'IOlyollined) .... Aud"CComrritl:HCri.inMn Metrlbef Audi CorrmittH (CMRet)

RllkCommiaee

Nominating & Corpo111te Govemanu CommlttM I··-

~ ..._ -PrHlditnt l Wa.. PTlnting OlrKkK, Unled Community S.nlc (CMrter) WlllisPrlnllng - PretJcSent ...... , 0.12•~ None (SUtllkflaries....tlOfyol'IM(f) 100.0"4 Walh Pmbng

Compensation Committee Community eo.m - Uniled Community 81inlt - Rome Nominating & Corpo111te Govem1nu Commiltee I I.,.._

~ -PfelkMnl: of Comn'ullty BankS1g

President ot ComtnlMllty S.nldng 'Ace CMlrTMn & Prttident, I.hilted Commwlily lnllh"'" SeNlcu, Inc. ..... ...255 1 0.095"11. NotMl (SUbttdlarie•~O¥rined) .....united Convnunity S.nka, Inc. OW.dot, I.hilted Community Mof1i;i.ge S.NICH, Inc. Dir.dot, United C°"'"""'V Oevelopmert Corpcnclon Clan Al Man.lger, United Comnullly Pliyment ~ llC I-w.;;:....

PretkkinC. Spedmiffd Lending Pre-'dert, Sptdlillffd Lerdng (C~rl., ) Presidert, Spedlllzed Lerdng (CNrler) ..... 33,1!9 0.053'!6 Nont (SublidlariH ~ oWled) .... i

United Community Banks, Inc. Page 2 Item • Director and Otnce.s

http:D11ed.orhttp:Mof1i;i.ge

Form FRY -6


REPORT ITEM 4: Insiders



~-------,--------··---

(1)

Name, City and Pl ()Hal Principal Occ1,1JNlion: United Community Sinks, Inc.

SbifelCOW'ltry

Exeet.(l'le Vlce-P1nldenl & CFO Exeevtive V~resldent & CFO

United Community Banks, Inc.

Chllltman & President, UCB Tenoeuee Propertin, Inc.

Ch.limlan & Prealdenl, UCB Real Esta.ti hvutm1nt1, Inc.

Chllltman & Prealdent, UCB Melro Real Estate lnvHlments, Inc..

Director & VP TrHSlJrel , United Community IMlnnce Services, Inc.

Director & VP Treasurer, United Corrmunity Mortgage ServiotS, Inc.

Vice Chairman, United Community Dev1lopment Corponrition

Vice Chairman & VP Treasurer & CFO, UCB South C.ro&la Properties. Inc.

DlrectOf & P1Hident, United Community Risk Management Services. Inc. (Nevada)

Director, Union lnvestmenls, Inc.

None (Subsidiaries v.nolly owied) United Community Blnlct., Inc. Director. UCB North Georgia Propertlet., Inc.

Director, UCB Metro Properties, Inc.

OirectGr UCB Coastal PropertiH, Inc.

Director, UCB NOl'th Cerolina Properties, Inc.

Director, UCB Tennet.M41 Propertlet., Inc.

Director, UCB R11J Estate lnvntmeru, Inc..

OirectGr, UCB Metro Real Estate Investment•, Inc.

Executive Vk:e Presldenc & Chiel Credit Officer Exeeutlve Vice Presidenc & Chief Credit Offloer Elle

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