Investor Presentaiton

Risk Ratings RISK RATING DISTRIBUTION AVERAGE RISK RATING READY CAPITAL. 100% 86% 2.50 82% 2.08 2.10 2.07 1.98 2.02 80% 2.00 1.83 1.83 1.77 1.82 1.88 1.72 1.69 60% 1.50 40% 1.00 20% 7% 9% 3% 6% 0.50 4% 3% 0% 1 & 2 3 4 5 ■SBC SBA Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 SBC SBA CECL TRENDS CECL DISTRIBUTION $65,000 $57,968 $57,063 50,000 $52,656 $9,375 $3,975 $49,629 $55,000 $49,629 45,000 $46,732 $45,649 40,000 $7,098 $45,000 35,000 30,000 $29,181 $35,000 25,000 $25,000 20,000 15,000 $15,000 10,000 $5,000 5,000 -$5,000 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Q2 2021 Originated SBC Loans Acquired SBC Loans Originated SBA Loans Acquired SBA Total Loans 36

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