Loan Loss Allowance Waterfall QUARTERLY CHANGE IN ALLOWANCE LAST 12 MONTHS CHANGE IN ALLOWANCE $182 $61 $(67) $176 $159 $294 $(278) $176 Allowance Provision Charge-offs, Allowance Allowance Provision Charge-offs, Allowance December 2022 for Losses Net March 2023 March 2022 for Losses Net March 2023 LAST 12 MONTHS CHANGE IN ALLOWANCE QUARTER ENDING 12 MONTHS ENDING Jun 30, 2022 Sep 30, 2022 Dec 31, 2022 March 31, 2023 March 31, 2023 Beginning of Period Allowance 159 155 153 182 159 (+) Provision for Loan Losses 68 62 103 61 294 (-) Charge-offs, Net (72) (64) (74) (67) (278) End of Period Allowance $155 $153 $182 $176 $176 Loans Held for Investment $2,504 $2,682 $3,656 $3,776 $3,776 Allowance % of Loans Held for 6.2% 5.7% 5.0% 4.7% 4.7% Investment Caption/Disclosure text: Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation. Dollars in millions; metrics are unaudited. A F F I R M | 2 0 2 3 18