Investor Presentaiton

ACL Walkforward ($000) $2,118 $456 $1,096 ($2,321) $135,592 ($14,481) $122,460 1Q21 ACL Loan Growth Reserve for Unfunded Commitments Net Recoveries Specific Reserve Model / Forecast Changes 2Q21 ACL ACL / Loans: 1.16% ACL / Loans 1.26% excl. PPP: Note: ACL includes the reserve for unfunded commitments 1.08% 1.12% 19 U UNITED

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