Investor Presentaiton

Selected Segments - Senior Care $ in millions $535 $537 $549 $520 $518 $511 $465 $442 $408 $170 $170 $169 $172 $144 $135 $111 $124 $100 $46 $48 $64 $73 $73 $66 $59 $58 $77 4Q20 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 Substandard Accruing $ Special Mention $ Pass $ ✓ Senior Care lending team are dedicated specialists with significant experience in the space ✓ Senior Care portfolio outstanding totaled $408 million as of 4Q22, or 2.7% of total loans ✓ As of December 31, $2.2 million of Senior Care loans were nonaccruing ✓ As of December 31, $111 million of Senior Care loans were special mention and $77 million were substandard accruing 23 U UNITED

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