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Credit Quality - Navitas 0.84% 0.67% 0.58% Net Charge-Offs as % of Average Loans 0.87% 0.81% 0.93% 0.75% 0.70% 0.13% 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 ✓ Navitas 2Q21 NCOs = 0.13% ✓ Economic recovery and government intervention driving historically low loss rates ✓ Navitas' cumulative net loss rates have approximated 2% for the last 10 years ✓ Navitas ACL - Loans equated to 1.87% as of 2Q21 ✓ Rating agencies have historically assigned Navitas originations with expected through-the-cycle loss rates of 3.1% to 3.8% ✓ Total Navitas deferrals are 0.6% of the total Navitas loan portfolio at 2Q21 24 24 U UNITED

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