 United Community Banks, Inc. NASDAQ:UCBI Q4 2022 Earnings Conference Call January 18, 2023 11:00 AM ET Company Participants Lynn Harton - Chairman and Chief Executive Officer Jefferson Harralson - Chief Financial Officer Richard Bradshaw - President and Chief Banking Officer Robert Edwards - Chief Risk Officer Conference Call Participants Catherine Mealor - KBW Brad Milsaps - Piper Sandler Michael Rose - Raymond James Kevin Fitzsimmons - D.A. Davidson David Bishop - Hovde Group Jennifer Demba - Truist Securities Christopher Marinac - Janney Montgomery Scott Operator Good morning, and welcome to the United Community Banks Fourth Quarter Financial Results Conference Call. 