Investor Presentaiton

Disciplined Expense Management $ in millions $84.0 $83.6 55.9% $95.2 $95.5 $94.5 $93.7 Linked Quarter ✓ GAAP and operating expenses increased 0.4% and 0.9%, respectively Year-over-Year ✓ GAAP and operating expenses increased 14% and 13%, respectively The majority of the increase is driven by the Seaside acquisition on July 1, 2020 54.5% 55.6% 53.6% 53.9% 52.7% 2Q20 Expenses 1Q21 2Q21 Efficiency Ratio GAAP Operating (1) GAAP Operating (1) (1) See non-GAAP reconciliation table slides at the end of the exhibits for a reconciliation of operating performance measures to GAAP performance measures 15 U UNITED

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