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Investor Presentaiton

Selected Segments - Senior Care Senior Care by Project Type 8.7% Skilled Nursing Facility ✓ Senior Care lending team are dedicated specialists with significant experience in the space Senior Care funded exposure for UCBI totaled $537 million as of 2Q21, or 5% of total loans ✓ Senior Care borrowers provide significant equity up front with an average LTV of 57% at origination ✓ As of June 30th, $7.0 million of Senior Care loans were in nonaccrual " ✓ As of June 30th, $169 million of Senior Care loans were special mention and $57 million were substandard accruing Independent / Assisted Living, Memory Care Hybrid 70.0% Stabilized 25.8% Memory Care 10.6% 7.6% Independent Living 3.0% Assisted Living Senior Care by Project Stage Construction 6.4% 67.8% Lease Up 23 U UNITED
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