Participating on behalf of United will be James J. Consagra, Executive Vice President and Chief Operating Officer, W. Mark Tatterson, Executive Vice President and Chief Financial Officer, and Wesley Tracewell, Vice President-Treasury. There will be no audio or video webcast available as this conference does not include a formal presentation. An investor presentation will be available beginning Wednesday, November 7, 2018 at www.ubsi-inc.com.

United Bankshares, Inc. is the parent company of United Bank, the largest community bank headquartered in the D.C. Metro region. United Bank which comprises 140 full-service banking offices and 21 George Mason Mortgage, LLC locations, is located throughout Virginia, West Virginia, Maryland, North Carolina, South Carolina, Ohio, Pennsylvania and Washington, D.C. United Bankshares stock is traded on the NASDAQ Global Select Market under the quotation symbol "UBSI."

The participation may contain certain forward-looking statements, including certain plans, expectations, goals and projections, which are subject to numerous assumptions, risks and uncertainties. Actual results could differ materially from those contained in or implied by such statements for a variety of factors including: changes in economic conditions; movements in interest rates; competitive pressures on product pricing and services; success and timing of business strategies; the nature and extent of governmental actions and reforms; and rapidly changing technology and evolving banking industry standards.