Building The Southeast Growth Champion July 24, 2025 Pinnacle and Synovus to Combine: Forward‐Looking Statements Forward‐Looking Statements This communication contains statements that constitute "forward‐looking statements" within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of historical fact are forward‐looking statements. These forward‐looki ...

Financial Performance - The company generated free cash flow of $1.7 billion[11] - The company returned $1.0 billion to shareholders and retired $372 million of debt[13] - Q2 2025 cash from operations was $2.4 billion[21] - Adjusted EBITDA was $3.0 billion[21] - The average realized gold price was $3,320 per ounce[21] - The company approved an additional $3.0 billion share repurchase program, bringing the total authorization to $6.0 billion[13] Operational Highlights - The company delivered 1.5 million ounces of gold and 36kt of copper[11] - Attributable gold production from core managed operations was 1,124Koz[15] - Attributable gold production from core non-managed operations was 340Koz[15] - The company remains on track to achieve full-year guidance from February 2025[15] 2025 Guidance - The company expects gold production of 5.6 million ounces (+/- 5%)[18] - The company expects gold CAS of $1,180 per ounce[18] - The company expects gold AISC of $1,620 per ounce[18] - The company expects sustaining capital of $1.8 billion[18] - The company expects development capital of $1.3 billion[18] Non-Core Asset Divestiture - The company completed its non-core divestiture program, generating up to $3.8 billion in total gross proceeds, including over $3.0 billion in cash[41] Red Chris Incident - On July 22, 2025, two fall of ground incidents occurred at the Red Chris project in British Columbia, Canada, leading to a suspension of operations[5]

Q2 2025 Performance Highlights - BeFra Group's net revenue increased by 5.1% in Q2 2025, driven by Jafra Mexico and rebounds in Betterware Mexico and Jafra US[3] - The Group's EBITDA increased by 3.5% in Q2 2025, reaching a margin of 19.1%, primarily due to higher margins in Jafra Mexico[3] - Positive Free Cash Flow (FCF) generation achieved an EBITDA conversion of 87.2% in Q2 2025, with expectations to maintain historical levels of approximately 60% by year-end[4] - Net income grew by 7.7% in Q2 2025, attributed to lower interest rates in Mexico and reduced taxes[4] Segment Performance - Betterware Mexico's revenues decreased by 1.2%, but experienced a sequential rebound of 4.0% in Q2 2025, driven by pricing strategies, innovation, and renewed incentives[7] - Jafra Mexico's net revenues increased by 10.9% in Q2 2025, driven by strong performance in Fragrance, Color, and Skin Care categories[11] - Jafra Mexico's EBITDA grew by 14.2% year-over-year (YoY), with the margin expanding to 21.2%, driven by sales volume growth, improved sales mix, and cost management[12] - Jafra US net revenues decreased by 8.9% in USD, but rebounded by 15.6% QoQ, driven by commercial strategies[14] Financial Guidance and Capital Allocation - The company reaffirms its full-year guidance, projecting net revenue between $14.9 billion and $15.3 billion (6.0%-9.0% increase YoY) and EBITDA between $2.9 billion and $3.0 billion (6.0%-9.0% increase YoY)[36] - A dividend of Ps 200 million has been proposed for Q2 2025, marking the 22nd consecutive quarterly dividend payment since the IPO in March 2020[37]

Earnings Presentation 2 nd Quarter 2025 1 Confidential and proprietary information. © 2025 Sallie Mae Bank. All rights reserved. CAUTIONARY NOTE AND DISCLAIMER REGARDING FORWARD-LOOKING STATEMENTS The following information is current as of July 24, 2025 (unless otherwise noted) and should be read in connection with the press release of SLM Corporation announcing its financial results for the quarter ended June 30, 2025, furnished to the Securities and Exchange Commission ("SEC") on July 24, 2025, and subseq ...

Investor Presentation July 2025 Forward Looking Statements This presentation contains forward-looking statements, which reflect the Firm's current views with respect to, among other things, its operations and financial performance. You can identify these forward-looking statements by the use of words such as "outlook," "believes," "expects," "potential," "continues," "may," "will," "should," "seeks," "target," "approximately," "predicts," "intends," "plans," "estimates," "anticipates" or the negative versio ...

Financial Performance - Q2 2025 revenue was up 0.2% year-over-year, exceeding April outlook by $1.1 billion[17] - Non-GAAP gross margin decreased by 9.0 percentage points year-over-year, falling 6.8 percentage points below April outlook[17] - Non-GAAP EPS decreased by $0.12 year-over-year, $0.10 below April outlook[17] - The company projects Q3 2025 revenue between $12.6 billion and $13.6 billion[40] - The company expects approximately $18.0 billion in GAAP additions to property, plant and equipment for full-year 2025[47] Segment Performance - Client Computing Group revenue was $7.6 billion with a 26.1% segment operating margin[23] - Data Center and AI revenue was $4.1 billion with a 16.1% segment operating margin[25] - Network and Edge Group revenue was $4.7 billion with a -71.7% segment operating margin[28] - All Other segment revenue was $943 million with a 6.6% segment operating margin[32] Strategic Initiatives - The company is focused on disciplined foundry, revitalizing x86 ISA, addressing AI opportunity, and improving balance sheet[15] - Intel 18A is progressing with Intel 14A engagements underway[15] - The company is simplifying operations and improving execution[12] - The company expects Altera stake sale to close in Q3[33]

Financial Highlights - Record Core FFO per share of $1.87[6] - Net Income per share for 2Q25 is $2.94[7] - Total Revenue guidance updated to $5.925 - $6.025 billion[39] - Adjusted EBITDA guidance updated to $3.200 - $3.300 billion[39] - Core FFO per Share guidance updated to $7.15 - $7.25[39] Bookings and Backlog - Record 2Q Bookings from 0-1MW + IX (Interconnection) reached $90 million[10] - 66% of total 2Q bookings came from 0-1 MW + IX[10] - Total bookings at DLR share amounted to $135.3 million, with 0-1 MW contributing $72.5 million (54%), Interconnection $17.3 million (13%), and >1 MW $45.0 million (33%)[17] - Record commencements of $228 million[6] - Total bookings at 100% share reached $177 million[19] Capital & Sustainability - First U S Hyperscale Data Center Fund secured >$3 billion in LP Equity Commitments[6, 12] - The company has contracted 1.5 GW of renewable energy[13] - The company issued $7.2 billion in aggregate principal amount of green bonds[13]

Company Overview - McGrath RentCorp's total revenue reached $911 million in 2024[10] - The company's adjusted EBITDA for 2024 was $352 million[10] - McGrath RentCorp has a shareholder return CAGR of 16% based on 1984 IPO through 12/31/24[10, 11] - The company has increased dividends for 34 consecutive years[10, 25, 118] - 99% of total revenues are from North America[10] Business Segment Performance (2024) - Mobile Modular contributed 75% of total revenues and 67% of adjusted EBITDA[13] - Portable Storage accounted for 10% of total revenues and 12% of adjusted EBITDA[13] - TRS-RenTelco represented 15% of total revenues and 21% of adjusted EBITDA[13] Q2 2025 Highlights - Total revenues for Q2 2025 were $2356 million, an increase of 11% year-over-year[33, 34] - Adjusted EBITDA for Q2 2025 was $865 million, a 3% increase year-over-year[33, 34] - Mobile Modular's total revenues increased by 8%[32] - Portable Storage rental revenues increased 5% sequentially, but decreased 5% year-over-year[32, 38] - TRS-RenTelco rental revenues increased 7%[32, 40]

Financial Performance - As of June 30, 2025, Rithm Property Trust's total assets were approximately $1014373 thousand, compared to $1028331 thousand as of March 31, 2025[15] - The book value per share decreased from $540 as of March 31, 2025, to $537 as of June 30, 2025[16] - Net income attributable to common stockholders for the three months ended June 30, 2025, was $612 thousand, compared to a loss of $3744 thousand for the three months ended March 31, 2025[17] - Basic net income per common share was $001 for the three months ended June 30, 2025, compared to a loss of $008 for the three months ended March 31, 2025[17] Portfolio & Investment Strategy - The company targets yields of 10-12% for Commercial Mortgage-Backed A Securities, 10-14% for Senior Loans, 12-18% for Subordinated/Mezzanine Loans, and 15-20% for Opportunistic Investments[13] - The illustrative portfolio yield is targeted at 12-16%[13] - Rithm Property Trust emphasizes growth opportunities in the Commercial Real Estate landscape[6] Liabilities & Equity - Total liabilities were $719784 thousand as of June 30, 2025, compared to $732411 thousand as of March 31, 2025[15] - Stockholders' equity in Rithm Property Trust Inc was $294739 thousand as of June 30, 2025, compared to $296071 thousand as of March 31, 2025[15]

Second Quarter 2025 Earnings Presentation July 24, 2025 5:00 PM Eastern / 2:00 PM Pacific Registration: 2Q25 Registration link Webcast: 2Q25 Webcast link 1 EXECUTIVE TEAM ON THE CALL STEPHEN BERMAN Chairman & Chief Executive Officer JOHN KIMBLE Executive Vice President & Chief Financial Officer 2 SAFE HARBOR STATEMENT The Company would like to point out that any comments made about JAKKS Pacific's future performance, events or circumstances, including the estimates of sales and/or Adjusted EBITDA in 2025, a ...