Investor Presentaiton

Expanding Mortgage Throughout the Footprint Mortgage Locks Mortgage Locks ($) $2,000 25 25 25 24 22 22 $1,500 17 15 15 $993 13 $910 $802 $1,000 $792 $801 $702 $508 $390 $411 $500 GN NW 30 25 20 15 10 $0 Funded Locks / MLO 0 2Q19 3Q19 4Q19 1Q20 Mortgage Locks ($ millions) 2Q20 3Q20 4Q20 1Q21 2Q21 Funded Locks / MLO 2Q19 3Q19 4Q19 1Q20 2Q20 3Q20 4Q20 1Q21 2Q21 Loans Sold ($ millions) $153 $220 $226 $259 $397 $402 $409 $337 $407 Gain on Sale % 3.70% 3.40% 3.70% 2.90% 4.50% 5.40% 5.10% 4.50% 3.90% ✓ Gain on sale has declined, but remains above pre-pandemic levels ✓ Mortgage production per originator, per quarter decreased $96 thousand in 2Q21 to $7.6 million, or 11% above 2Q20 ✓ Purchase / Refi mix has shifted from 43% / 57% in 2Q20 to 63% / 37% in 2Q21 Technology investments have also paid off as we have been able to market to our existing customers and also have enabled us to cut processing costs and process times 25 U UNITED

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