Investor Presentaiton

Impact and Response to COVID-19 Pandemic (cont'd) Credit & Risk Management Strategy Implemented broad-based risk management strategy to manage credit segments on real-time basis Borrower-Level Strategies: Direct customer dialogue to develop long-term contingency financial plans Risk management conversations with all borrowers >$3MM exposure (86% of portfolio) - Focused on monitoring "Burn Months" through the crisis - Encouraging full use of borrower cash resources to solve shortfall Prioritized PPP loans guaranteed by SBA to provide expedient liquidity to impacted borrowers Streamlined Loan Modification Process: Partner with clients. Assess willingness and capacity to support business interests Successfully approved approx. 4,650 PPP applications totaling $1.9Bn Selectively implemented modifications on approx. 170 loans totaling $440 million COVID-19 Mitigating Action (as of May 11, 2020) CARES Act/PPP Modifications In 3/31/2020 Total Requested Process or Closed Outstanding # $MM # $MM CARES Segments Act Relief¹ Granted forbearance requests on Arizona $3,960 1,590 $490 156 $256 approx. 280 residential mortgage Nevada $2,297 1,400 $413 63 $310 loans totaling $160 million No Cal $1,429 651 $424 13 $37 So Cal $2,263 854 $266 21 $30 NBLS $13,217 396 $469 73 $793 Total $23,166 4,891 $2,062 326 $1,426 WA Note: Information as of May 11, 2020 20

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