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Investor Presentaiton

Raymond James Bank 57 44 Total assets of $38.6 billion OVERVIEW Stable, low-cost source of deposits Flexible deposit base and capital base Serve financial advisors, retail & institutional clients Diversified loan portfolio with $27.9 billion outstanding Loan growth of 22% year-over-year Conservative credit standards ES $27.9 billion Loans Outstanding Note: As of or for the three-months ended March 31, 2022. S 2.01% Net Interest Margin =& 0.27% Nonperforming Assets as a % of Total Assets RAYMOND JAMES

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