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Investor Presentaiton

Increasing Liquidity Trend. $ in billions Loans and Deposits $16.0 $16.0 $14.0 $12.0 $12.7 $11.8 $10.0 $10.1 $8.0 81% 80% $6.0 $4.0 $2.0 $- 2Q20 3Q20 Loans $14.6 $11.4 $15.2 $11.7 $11.4 75% 73% 70% 4Q20 1Q21 2Q21 Deposits Loans / Deposits % $16.3 2Q20 3Q20 4Q20 1Q21 2Q21 I Annualized Core Loan Growth % 5% 8% 8% 3% 5% Annualized Deposit Growth % 60% 60% 17% 20% 8% Deposit Cost % 0.37% 0.25% 0.17% 0.14% 0.09% Note: Core loan growth excludes PPP loans and adjusts for the Three Shores acquisition that closed July 1, 2020 9 U UNITED
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