United Community Banks, Inc. 6.875% Non-Cumulative Preferred Stock, Series I

May only be redeemed on a dividend payment date

Ticker: UCBIO

Parent Ticker: UCBI

OTC Grey Market Temporary Ticker: UCBKL

Issuance Date: 06/03/2020

1st Call Date: 09/15/2025

Maturity Date: None

Shares Issued: 4,000,000

Overallotment Shares: 0

Coupon: 6.875%

Face Value: $25.00

Cumulative: No

Qualified: Yes

Quarterly Dividend Amount: 0.4297

Ex-Dividend Months: FEB, MAY, AUG, NOV

Approx. Ex-Dividend Day: 27

Payment Months: MAR, JUN, SEP, DEC

Payment Day: 15

S&P Rating: NR

III Rating (In Regards to Dividend Safety Only): C

Moody Rating: NR

Fitch Rating: NR