This Presentation contains, and the officers and directors of Farmers may from time to time make, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which are typically identified by words or phrases such as "may," "will," "anticipate," "estimate," "expect," "project," "intend," "plan," "believe," "target," "forecast," and other words and terms of similar meaning. Forward-looking statements involve estimates, expectations, projections, goals, forecasts, as ...

3Q25 Investor Presentation October 22, 2025 © 2025 United Community Bank | ucbi.com Disclosures CAUTIONARY STATEMENT This Investor Presentation contains "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. In general, forward-looking statements usually may be identified through use of words such as "may," "believe," "expect," "anticipate," "intend," "will," "should," "plan," "estimate," " ...

Disclaimer Forward-Looking Statements This presentation contains "forward-looking statements" within the meaning of the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements include, without limitation, statements concerning plans, estimates, calculations, forecasts and projections with respect to the anticipated future performance of the Company. These statements are often, but not always, identified by words such as "may", "might", "should", "could ...

Financial Performance - Northern Trust Corporation's revenue grew by 6% in 3Q25 compared to 3Q24, excluding $553 million in notable items that favorably impacted 3Q24 revenue[4] - EPS increased by 14% in 3Q25 compared to 3Q24, excluding notable items[4] - The pre-tax margin was 308% in 3Q25[4] - Net income was $4576 million in 3Q25, a decrease of 2% compared to 3Q24[7] Assets Under Management and Custody - Assets under Custody/Administration (AUC/A) reached $182476 billion in 3Q25, a 5% increase compared to 3Q24[7] - Assets under Management (AUM) totaled $17727 billion in 3Q25, a 9% increase compared to 3Q24[7] - Wealth Management AUC/A was $12572 billion, up 10% from 3Q24[11] - Asset Servicing AUC/A was $169904 billion, up 4% from 3Q24[14] Capital and Expenses - The company's Tier 1 capital was $120 billion[26] - Noninterest expense increased by 5% year-over-year[4] - Common stock repurchases amounted to $2770 million in Q3 2025[26]

Financial Performance - Wabtec's Q3 2025 sales reached $2.89 billion, an increase of 8.4% year-over-year[7] - GAAP earnings per share (EPS) increased by 11.0% year-over-year to $1.81, while adjusted EPS increased by 16.0% year-over-year to $2.32[7] - Operating margin was 17.0% on a GAAP basis and 21.0% on an adjusted basis, benefiting from sales growth and improved gross margin[7] - Cash flow from operations was $367 million, impacted by increased tariffs and higher working capital[7] - The company's 12-month backlog increased by 8.4% to $8.27 billion, providing strong visibility for 2025 and beyond[7] Segment Performance - Freight segment sales were $2.093 billion, up 8.4% year-over-year[35] - Transit segment sales were $793 million, up 8.2% year-over-year (5.2% on a constant currency basis)[35] - Freight segment operating margin was 19.8% on a GAAP basis and 24.5% on an adjusted basis[45] - Transit segment operating margin was 14.5% on a GAAP basis and 15.5% on an adjusted basis[48] Financial Outlook - Wabtec updated its 2025 financial guidance, projecting revenues between $10.925 billion and $11.225 billion and adjusted diluted EPS between $8.55 and $9.15[57] - The company expects a cash conversion rate of over 90%[57]

Investor Presentation Third Quarter 2025 About Taylor Morrison (NYSE: TMHC) We are backed by a reputation for exceptional customer service and a commitment to our teams and communities Our portfolio of brands offers for-sale and for-rent housing in distinctive communities, complemented by financial services Headquartered in Scottsdale, AZ Leading builder with operations across 12 states Diverse product offerings in prime locations Experienced leadership team Balanced operating model delivers strong financia ...

Financial Performance & Outlook - Waste Connections reported approximately $945 billion in revenue for 2025[8] - The company anticipates an adjusted EBITDA of around $312 billion for 2025[8] - Adjusted free cash flow is projected to be approximately $130 billion for 2025[8] - In 2024, Waste Connections achieved revenue of $892 billion, reflecting an 112% increase[53] - The adjusted EBITDA for 2024 was $2902 billion, marking a 150% rise[53] Strategic Positioning & Growth - Approximately 40% of Waste Connections' markets are exclusive or franchise-based, while around 60% are competitive, primarily secondary or rural, with high market share[15] - Waste Connections has completed over 100 acquisitions in the last five years, representing approximately $22 billion in annualized revenue[34] - The company's acquisition pipeline includes approximately $5 billion of private company revenue in the U.S/Canada[34] ESG & Sustainability - Waste Connections has committed $500 million in capital towards achieving its ESG targets[39] Shareholder Returns - Waste Connections' 10-year total shareholder return (TSR) is approximately 500%[32] - The company's TSR is greater than 15x the returns of the DJ Waste Index, 19x the returns of the S&P500, and greater than 30x the returns of the TSX60[32]

INVESTOR PRESENTATION Q3'25 Weatherford International PLC Weatherford International Plc. 1 Disclaimer This presentation contains projections and forward-looking statements concerning, among other things, the Company's quarterly and full-year revenues, adjusted EBITDA*, adjusted EBITDA margin*, adjusted free cash flow*, net leverage*, ROIC*, shareholder return program, capital allocation framework, forecasts or expectations regarding business outlook, prospects for its operations, capital expenditures, expec ...

Financial Performance - AT&T reported $49 billion in free cash flow for 3Q25[19], excluding DIRECTV - The company's consolidated service revenue grew by 08% year-over-year (YoY)[16, 21] - Adjusted EBITDA increased by 24% YoY[18, 24] - Adjusted EPS remained at $054, excluding DIRECTV[26] Mobility Segment - AT&T gained 405K postpaid phone subscribers in net adds[11, 29] - Mobility service revenue experienced a growth of 23% YoY[12, 30] - Mobility EBITDA increased by 22% YoY[31, 36] Consumer Wireline (Fiber) - AT&T Fiber gained 288K net adds[14, 40] - AT&T Internet Air added 270K net adds[41] - AT&T Fiber revenue grew by 168% YoY[14, 42, 44] Business Wireline - FirstNet connections increased with 316K additions[53] - Business Wireline revenue decreased by 93% YoY[54] - Business Wireline EBITDA declined by 129% YoY[56, 59] Capital Allocation - AT&T repurchased $15 billion worth of shares in 3Q25[61] - Net debt saw a year-over-year reduction[62] - Capital investment totaled $53 billion[64] 2025 Financial Guidance - The company anticipates low-single-digit growth in consolidated service revenues[69] - Mobility service revenues are projected to grow by 3% or better[69] - Consumer Fiber broadband revenues are expected to increase in the mid-to-high teens[69]

PROG Holdings, Inc. Q3 2025 Earnings Supplement Statements, estimates and projections in this earnings supplement regarding our business that are not historical facts are "forward-looking statements" that involve risks and uncertainties which could cause actual results to differ materially from those contained in the forward-looking statements. Such forward-looking statements generally can be identified by the use of forward-looking terminology, such as "continue", "maintaining", "target", "outlook", "assum ...