Life Insurance Premium Finance Update $791.8 Million Projected Balance at Maturity 29 Placement Ratio Facilitators 47 Fourth Quarter Highlights • Loans held for investment grew at a rate of 26.0% for 2022 or 30.1%, net of a decline in Paycheck Protection Program ("PPP") loan balances. Loans held for investment grew at an annualized rate of 31.5% in the fourth quarter compared to the linked-quarter, net of a decline in PPP balances. • Allowance for credit losses to total loans was 1.17% at December 31, 2022, ...