Investor Presentaiton

Noninterest Income $ in millions $40.2 $1.0 $23.7 $44.7 $1.0 $35.8 $4.1 $22.6 $11.1 $3.5 $3.8 $1.3 $10.0 $8.5 $7.2 $7.0 $7.6 $8.3 2Q20 ■Service Charges Brokerage / Wealth Mgmt Loan sale gains 1Q21 2Q21 ■Other ■Mortgage Linked Quarter ✓ Fees down $8.9 million . Mortgage fees down $11.5 million from 1Q21 primarily due to slower mortgage lock activity, lower gain on sale and a MSR write-down Rate locks were down with $702 million compared to $993 million in 1Q21 Record mortgage closings of $680 million compared to $666 million in 1Q21 2Q21 mortgage production purchase/refi mix was 63%/37% 2Q21 mortgage results included a $3.0 million MSR write-down compared to a $1.3 million write- up in 1Q21 Gain on sale of SBA and USDA loans was $3.3 million on $32.3 million of loan sales Gain on sale of equipment finance loans was $803 thousand on $18.9 million of loan sales Year-over-Year ✓ Fees down $4.4 million • Mortgage rate locks down 12% compared to last year ($702 million in 2Q21 compared to $802 million in 2Q20) 14 U UNITED

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