Investor Presentaiton

Interest Rate Sensitivity Net Interest Income Sensitivity 0.89% +25 bps 6.97% 3.53% 4.33% 2.85% +100 bps +200 bps % Change - Ramps --% Change - Shocks Loan Repricing Characteristics 14% 12% 4% 14% 3% 53% ✓ 2.85% asset sensitivity in +100 bp ramp; down from 3.60% asset sensitivity in 3Q22 ✓ One 25 bp Fed rate hike is worth approximately 3.6 bps to net interest margin ✓ Other relevant data points Approximately $5.3 billion or 35% of total loans are floating rate; another $1.9 billion will adjust after one year Cumulative Betas 4Q21 2Q22 3Q22 4Q22 Average Fed Funds Rate 0.07% 0.76% 2.20% 3.65% Securities 51% 32% 27% Loans 22% 25% 29% Deposits 3% 6% 12% Fixed BSBY Libor Prime SOFR Adjustable 20 U UNITED

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