Investor Presentaiton

Navitas Performance $ in millions Navitas Portfolio 9.19% 9.12% 9.08% 9.08% 9.01% 8.89% 8.85% 8.80% 8.79% 8.88% ✓ Navitas represents 9% of total loans ✓ Navitas 4Q22 NCOs of 0.50%, or $1.7 million Navitas ACL / Loans of 1.70% ✓ After six quarters of lower than normal losses, NCOs have begun to normalize towards historical levels ✓ $1,374 $1,211 $1,281 $823 $864 $913 $969 $1,017 $1,148 $1,083 3Q20 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 Navitas Loans $ Portfolio Yield % 0.83% 0.72% 0.70% Net Charge-Offs 0.50% 0.36% 0.31% تشتيتية 0.10% 0.29% 0.13% 0.21% 2019 2020 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 21 U UNITED

View entire presentation