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Investor Presentaiton

LIMITED EXPOSURE TO COVID-19 MOST IMPACTED INDUSTRIES Non-Food / Non-Pharmacy Retailers Essential Services Retailers Gross Loans % of book Comments Other Retailers Car Dealerships $780M 0.5% $666M 0.4% $637M 0.4% Remained open during Covid Limited Growth (1% YoY) / Diversified customer base / Less than 25% in apparel Limited Growth (4% YoY) / Diversified across brands / Typically secured by real estate Hospitality and Entertainment Entertainment $550M Hotels $338M Restaurants $258M 0.3% 0.2% 0.2% 50% in professional sports teams which are 82% IG Remained disciplined in the sector / Secured portfolio with conservative LTV and branded assets Maintained a low risk appetite for the sector throughout the years / 75% IG Air Transportation & Aeronautics Aviation Aeronautics $663M $98M 0.4% 66% IG / 1/3 in airports and airport operations 0.1% Auto and Auto Parts Manufacturing | $233M 0.1% Retail Real Estate Diversified REITS Commercial Retail $745M 0.5% $1,851M 1.1% Constrained portfolio growth in recent years Primarily IG REITs with good liquidity and continued access to capital markets More than 90% with street access / about 50% of leases with essential services tenants 12

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