Free Writing Prospectus

Filed Pursuant to Rule 433

Registration Statement No. 333-257929

Dated November 16, 2021

 Investor Presentation  November 2021 

 Disclaimer  2  FinWise Bancorp (“FinWise,” “we,” “us,” or the “Company”) has filed a registration statement (including a prospectus, which is preliminary and subject to completion) with the U.S. Securities and Exchange Commission (the “SEC”) for the offering to which this presentation relates. Before you invest in any securities, you should read the prospectus in that registration statement and other documents FinWise has filed or will file with the SEC for more complete information about FinWise and the offering. You may obtain these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, FinWise, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by contacting Piper Sandler & Co., 1251 Avenue of the Americas, Attn: Syndicate Department, by emailing PSCsyndicate@psc.com or by telephone at 1-866-805-4128 or Stephens Inc. by emailing prospectus@stephens.com or by telephone at 1-800-643-9691. This presentation does not constitute or form a part of the registration statement for the proposed offering to which this presentation relates and does not constitute an offer to sell securities, and FinWise is not soliciting an offer to buy securities in any jurisdiction where such offer or sale is not permitted. Neither the SEC nor any state securities commission has approved or disapproved of the securities of FinWise or passed upon the accuracy or adequacy of this presentation. Any representation to the contrary is a criminal offense. Except as otherwise indicated, this presentation speaks as of the date hereof.FinWise’s common stock is not a deposit or savings account of FinWise’s bank subsidiary and is not insured by the Federal Deposit Insurance Corporation or any other governmental agency or instrumentality.This presentation has been prepared by FinWise solely for informational purposes to assist interested parties in making their own evaluation of FinWise. It does not purport to contain all of the information that may be relevant. In all cases, interested parties should conduct their own investigation and analysis of FinWise and the data set forth in this presentation and other information provided by or on behalf of FinWise. The contents of this presentation should not be construed as investment, legal or tax advice. Forward-looking statements and other informationThis presentation contains forward-looking statements about the Company. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as “may,” “might,” “should,” “could,” “predict,” “potential,” “believe,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “project,” “projection,” “forecast,” “goal,” “target,” “would,” “aim” and “outlook,” or the negative version of those words or other comparable words or phrases of a future or forward-looking nature. These forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about our industry and management’s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. The inclusion of these forward-looking statements should not be regarded as a representation by us, the underwriters or any other person that such expectations, estimates and projections will be achieved. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. All information contained herein speaks only as of the date of this presentation, except where information is stated to be presented as of a specific date. The information presented or contained in this presentation is subject to change without notice. The Company undertakes no duty to update or revise the information contained herein, publicly or otherwise, including any forward-looking statements, except as required by law. Neither the delivery of this presentation nor any further discussions of the Company, any of its affiliates, shareholders, directors, employees, agents, advisors, representatives or the underwriters with any of the recipients shall, under any circumstances, create any implication that there has been no change in the affairs of the Company since that date. Market and industry dataThis presentation includes estimates regarding market and industry data. Unless otherwise indicated, information concerning our industry and the markets in which we operate, including our general expectations, market positon, market opportunity, and market size, are based on our management’s knowledge and experience in the markets in which we operate, together with currently available information obtained from various sources, including publically available information, industry reports and publications, surveys, our clients, trade and business organizations and other contacts in the markets in which we operate. Certain information is based on management estimates, which have been derived from third-party sources, as well as data from our internal research. In presenting this information, we have made certain assumptions that we believe to be reasonable based on such data and other similar sources and on our knowledge of, and our experience to date in, the markets in which we operate. While we believe the estimated market and industry data included in this presentation are generally reliable, such information, which is derived in part from management’s estimates and beliefs, is inherently uncertain and imprecise.Non-GAAP financial measuresSome of the financial measures included in this presentation are not measures of financial performance recognized by generally accepted accounting principles in the United States (“GAAP”). These non-GAAP financial measures are “tangible shareholders’ equity,” “tangible book value per share,” and “efficiency ratio.” Our management uses these non-GAAP financial measures in its analysis of our performance. We believe these non-GAAP financial measures provide useful information to management and investors that is supplementary to our financial condition, results of operations and cash flows computed in accordance with GAAP; however, we acknowledge that our non-GAAP financial measures have a number of limitations. As such, you should not view these measures as a substitute for results determined in accordance with GAAP, and they are not necessarily comparable to non-GAAP financial measures that other companies use. A reconciliation of such non-GAAP financial measures to the most closely related GAAP financial measures is included in the Appendix to this presentation. Trademarks“FinWise” and its logos and other trademarks referred to and included in this presentation belong to us. Solely for convenience, we refer to our trademarks in this presentation without the ® or the ™ or symbols, but such references are not intended to indicate that we will not fully assert under applicable law our trademark rights. Other service marks, trademarks and trade names referred to in this presentation, if any, are the property of their respective owners, although for presentational convenience we may not use the ® or the ™ symbols to identify such trademarks.  

 Issuer  FinWise Bancorp  Exchange / Ticker  NASDAQ / FINW  Base Shares Offered  3,181,818 Common Stock (100% primary)  Underwriters’ Option  15% (all primary shares)  Filing Range  $10.00 - $12.00 per share  Base Offering Size  Approximately $35.0 million¹  Use of Proceeds  Fund organic growth, continue the buildout of operating infrastructure, and for generalcorporate purposes, which could include future acquisitions, maintenance of requiredregulatory capital levels and other growth initiatives  Lock-Up  180 days for executive officers and directors and certain other current shareholders  Joint Book-Running Managers    Offering Summary  Based on the midpoint of the filing range and excluding the underwriters’ overallotment option  3 

 Our Leadership Team  4  Over 130 Years of Combined Banking Experience   Kent Landvatter CEO / President   Javvis Jacobson CFO / EVP   Jim Noone CCO / EVP   Dawn Cannon COO / EVP   Michael O’Brien CCO / CRO / EVP  Mr. Landvatter joined FinWise and its wholly-owned Utah state-chartered banking subsidiary, FinWise Bank (the “Bank”), in September 2010 as the President and Chief Executive Officer. Mr. Landvatter has over 40 years of financial services and banking experience, including experience with distressed banks and serving as the president of two de novo banks, Comenity Capital Bank and Goldman Sachs Bank, USA. Mr. Landvatter is the largest beneficial owner at 9.7%.  Mr. Jacobson joined the Bank in March 2015 as the Executive Vice President and Chief Financial Officer. Mr. Jacobson has over 20 years of financial services experience, including at Deloitte, where he served for several years managing audits of financial institutions. Mr. Jacobson also served for several years as the Chief Financial Officer of Beehive Credit Union.   Ms. Cannon joined the Bank in March 2020 as the Senior Operating Officer and was named Executive Vice President and Chief Operating Officer in July 2020. Ms. Cannon has over 17 years of banking experience, including serving as the Executive Vice President of Operations of EnerBank, an industrial bank that focused on lending programs similar to our POS lending program, where she was instrumental in building it from 23 to 285 full time employees and from $10 million to $1.4 billion in total assets.   Mr. Noone joined the Bank in February 2018 and was named Executive Vice President and Chief Credit Officer in June 2018. Mr. Noone has 20 years of financial services experience including commercial and investment banking as well as private equity. Prior to joining the Bank, Mr. Noone served as Executive Vice President of Prudent Lenders, an SBA service provider from 2012 to 2018.   Mr. O’Brien joined the Bank in September 2021 as Executive Vice President, Chief Compliance and Risk Officer and Corporate Counsel. Mr. O’Brien has over 20 years of legal, compliance and risk management experience in financial services. Mr. O’Brien also previously served as Chief Compliance Officer of EnerBank USA, a Utah industrial bank. He is currently licensed to practice law in Utah and Washington, D.C.    David Tilis CSO / SVP  Mr. Tilis joined the Bank in March 2016 as a Vice President and Director of Specialty Lending and now serves as the Chief Strategy Officer and Senior Vice President. Mr. Tilis has over 15 years of financial services experience, including serving as a Vice President of Cross River Bank overseeing SBA lending and playing a significant role in strategic relationships.  

 Strategic Programs  SBA 7(a) Lending  Residential and Commercial Real Estate Lending  Point of Sale (“POS”) Lending Program  Franchise Snapshot  As of or for the nine months ended September 30, 2021We calculate our average assets and average equity for a year by dividing the sum of our total asset balance or total shareholder’s equity balance, as the case may be, as of the beginning of the relevant year and at the end of the relevant year, and dividing by two. We calculate our average assets and average equity for a given period by dividing (a) the sum of our total asset balance or total shareholder’s equity balance, as the case may be, as of the close of business (i) at the beginning of the relevant reporting period and (ii) at the ending of the relevant reporting period, by (b) two  5  Incorporated in 2002 as the holding company for FinWise Bank, which was incorporated in 1999Manages nationwide strategic relationship programs (“Strategic Programs”) with third-party, tech-enabled loan origination platforms, that streamline the origination of unsecured consumer, and both secured and unsecured business loansProvides Small Business Administration (“SBA”) 7(a), commercial, commercial real estate, residential real estate and consumer loans FinView™ Analytics Platform (“FinView™”) is a proprietary technology developed by FinWise to enhance its ability to gather and interpret loan performance data and help identify attractive risk-adjusted market sectors, which anchors FinWise’s product offerings  FinWise Bancorp is a fast-growing, Utah-based bank holding company that leverages strategic relationships with third-party loan origination platforms, proprietary loan analytics technology, a seasoned management team, and a strong and growing balance sheet to deliver superior rates of growth and profitability  YTD 3Q ‘21 Financial Highlights1,2  $338.3M  $21.5M  Total Assets  Net Income  49.8%  8.7%  ROAE  ROAA  Company Overview  Four Primary Lines of Business 

 2019Loan originations exceed $1.5 billionLaunched 8th Strategic Program service provider2020Record net income of $11.2 millionLoan originations of ~$2.6 billionYTD 3Q 2021Launched 10th and 11th Strategic ProgramsLoan originations in excess of ~$4.3 billion  2010Kent Landvatter becomes CEO; implements a strategy to improve asset quality and rolls out new business plan2011Launched POS Lending Program & Commercial LeasingFormulated tech & data strategy  2014Launched SBA 7(a) Lending2016Launched Strategic ProgramsInitiated development of FinView™ Analytics Platform technology2017Launched 4th StrategicProgram service provider  Exceptionally Profitable Growth  6  Implement New Strategy  Execute New Strategy  Strong Profitability & Significant Tailwinds  Total assets as of December 31, 2020 and September 30, 2021 include approximately $107.1 million and $2.3 million in PPP loans, respectivelyNote: Annual period financial data represents the annual period ending December 31; 3Q ’21 financial data represents the nine month period as of or ending September 30, 2021; we calculate our average equity for a year by dividing the sum of our total shareholder’s equity balance as of the beginning of the relevant year and at the end of the relevant year, and dividing by two. We calculate our average equity for a given reporting period by dividing (a) the sum of our total shareholder’s equity balance as of the close of business (i) at the beginning of the relevant reporting period and (ii) at the ending of the relevant reporting period, by (b) two 

 Competitive Landscape  FinWise is Uniquely Positioned for Significant Growth and Profitability  7  Branch-Lite  P  O  P  Low Cost Funding  P  P  O  Tech-Driven Banking Solutions  P  O  O  Proprietary Data Analytics Platform  P  O  O  Robust Underwriting & Risk Management  P  P  O  Capital Efficient Business Model  P  O  P  Nationwide Lending Platform  P  O  P  Diversified Loan Portfolio / Revenue Streams  P  O  P  Flexible and Cutting-Edge API  P  O  O  Traditional Banks  Nonbank Financial Services   

 Key Investment Highlights  As of November 12, 2021  8    Disciplined underwriting and compliance infrastructure designed to prudently facilitate a robust loan origination platform      Highly-profitable fintech lending model with compelling growth rates  Seasoned management team with considerable banking experience and a proven track record  Historically stable, relatively low-cost core deposits positioned to fund future growth  Diverse, scalable revenue stream achieved in business lines with attractive market opportunities  Proprietary FinView™ Analytics Platform, which includes an enterprise data warehouse, developed to enhance the gathering and interpretation of customer performance data                      Strong inside ownership with approximately 34%¹ of common stock currently held by directors and executive officers     

 Line of Business  What We Do  Balance Sheet Strategy  YTD 3Q ‘21 Gross Revenue Contribution  Strategic Programs  Originate consumer and commercial loans via third party platforms that use technology to streamline originationRetain loans for several business days after origination; sell loan receivables or whole loans to the origination platform or other investors  Strategic Program must have a reserve deposit account Mostly originate to sellSelective increase in HFI is part of long-term strategy    SBA 7(a) Lending  Leverage relationships with third parties to originate SBA 7(a) nationwide  Sell guaranteed portion at a premiumExpand SBA relationships to grow deposits and POS financing    Residential and Commercial Real Estate Lending  Offer commercial and consumer banking in the greater Salt Lake City market via one branch locationPrimarily residential, non-speculative construction loans  Originate for investment    POS Lending Program  Offer loans to finance the purchase of retail goods and servicesLoan applications are submitted at the point-of-sale through an online portal  Originate for investment    64.3%  Diverse Business Lines and Revenue Streams  23.8%  2.5%  0.5%  Note: Financial data is for the nine months ending September 30, 2021; “Other” and “SBA PPP” income not included in YTD 3Q ’21 Gross Revenue Contribution breakdown 

 Retained Loan Portfolio Overview  Note: Financial data is as of or for the nine months ending September 30, 2021  10  YTD 3Q ‘21 Loan Originations  Loan Portfolio as of September 30, 2021  $249.2M 

 Significant loan volume generated by origination service providersStrategic Program service providers serve as sub-servicers and perform typical primary servicing dutiesEvery Strategic Program establishes a “reserve” deposit account with FinWiseExtensive onboarding process and periodic due diligence to confirm service providers adherence to compliance standard  Strategic Programs Overview  Note: Annual period financial data represents the annual period ending December 31; 3Q ’21 financial data represents the nine month period as of or ending September 30, 2021  Historical Strategic Program Fees  3Q ‘21 Strategic Program Loans on Balance Sheet  Revenue Model / Opportunities  Business Line Differentiators  11  $87.9M  Interest Income HFS  Interest Income HFI  Minimum program fees  Other Fees 

 Strategy Leverages Unique Position as Originating Bank    12  Scalable Lending Partner Strategy Supports Risk Diversification and Profitability  Strategic Service Provider Types  Strategy    Prime Consumer Programs  Subprime Consumer Programs  Commercial Programs  Stringent partner selection criteria for risk diversity and consumer protection   Future Deposit Programs    Develop through other ChannelsBank pilot projectsInterest income centricDetermined to be superior returns  Originate and RetainUse of Bank balance sheetInterest income centricDetermined to be superior returnsOffsets risk of fee income volatility  Originate and Sell AssetsBalance sheet lightFee income centric  Sell, retain or develop to maximize bank returnsGreater diversification and less volatility than a monoline      Analytics-driven Application Programming Interface (“API”) solution enables scalable growth and data optimization    Proprietary FinViewTM Analytic Platform   

 Optimizing Returns through Ability to See Across Data Silos    13    2x  Insights derived throughFinView™ enable optimizing exposure by asset class and origination platform  x  Time on Books (months) by Vintage  Comparative Cumulative Charge-off Curves by Monthly Vintage 

 SBA 7(a) Lending Overview  Note: Annual period financial data represents the annual period ending December 31; 3Q ’21 financial data represents the nine month period as of or ending September 30, 2021  Gain on Sale of Loans and SBA Loan Servicing Fees  3Q ‘21 SBA 7(a) Lending Balance Sheet Overview  Revenue Model / Opportunities  Business Line Differentiators  14  Sell SBA guaranteed portions at premiums  Retain all servicing rights and the unguaranteed portion  Potential to cross-sell SBA customers  Active participant in the PPP in 2020(98% forgiven as of 3Q ‘21)  Experienced management teamAbility to analyze loan performance dataLoan processing structure and ability to leverage relationship with Business Funding Group, LLCStrict underwriting, servicing and proactive collection policies  $125.2M 

 Residential and Commercial Real Estate Lending Overview    15  Products Overview  Consumer and commercial lending and deposit takingWell-disciplined credit underwritingConstruction lending with focus on single-family rental  Strategic Benefits  Historically stable and strong profitabilityHighly efficient use of deposits as low cost funding helps drive high margin lending  Branch-based Consumer and Commercial Community Bank Offers Strategic Benefits to Broader FinWise Business Lines  Branch Map  Business Line Differentiators  High-touch, relationship banking approach  All loans held on balance sheet  Focus on building a core deposit base 

 Point of Sale Lending Program Overview    16  Installment Loans Offer Significant Growth Opportunities  Product   Merchant Details   Tech-Focus  Growth Opportunities   50+ merchants across 16 states (and growing)Home improvement, spa, musical instruments and other  POS lending market is significant in size, presenting material upside for balance sheet expansion  Unsecured Installment LoansInterest bearing and 0% Interest (3, 6, 12 or 24 months)  Strategic Goals   Support small business revenue growthProfitably grow balance sheet  High degree of automation, loan application tracking, credit analysis loan approvals deploying a combination of FinView™, and “off-the-shelf” technology solutions 

 Historical track record of strong asset quality  Allowance for Loan Losses / Total Loans  NPAs & TDRs / Assets  Net Charge-Offs By Line of Business  Recorded a $5.2 million provision for loan losses in the first two quarters of 2020 primarily for potential COVID-19-related lossesZero provision taken in the third and fourth quarters of 2020 as COVID-19-related credit concerns subsided; $5.5M provision taken YTD Q3 ‘213.9% Allowance for Loan Losses / Total Loans as of September 30, 2021$7.3 million or 75.6% of the total allowance is allocated to the Strategic Program loans as of September 30, 2021SBA 7(a) portfolio significantly outperforms industry averages: Cumulative charge-off rate of 0.2% versus 0.9% for the entire SBA 7(a) lending industry on average¹  Key Highlights  17  $3.6M  $163K  $2.5M  $2.1M  Based on data sets for the SBA beginning October 1, 2012 through September 30, 2021, SBA 7(a) loans made by the Bank have a charge-off rate of 0.2% versus 0.9% for the entire SBA 7(a) lending industry on averageNote: Annual period financial data represents the annual period ending December 31; 3Q ’21 financial data represents the nine month period as of or ending September 30, 2021 

 66.7% CAGR1  Significant Earnings Growth  Represents 2-year CAGR for the periods between December 31, 2018 and December 31, 2020Note: “Tangible book value per share” is defined as book value per share less goodwill and other intangible assets, divided by the outstanding number of common shares at the end of each period. The most directly comparable GAAP financial measure is book value per share. We had no goodwill or other intangible assets as of any of the dates indicated. We have not considered loan servicing rights as an intangible asset for purposes of this calculation. As a result, tangible book value per share is the same as book value per share as of each of the dates indicated. Please see Appendix for GAAP to non-GAAP reconciliations. Annual period financial data represents the annual period ending December 31; 3Q ’21 financial data represents the nine month period as of or ending September 30, 2021  Tangible Book Value Per Share (Non-GAAP)  Net Income ($M)  18  Material earnings growth driven by revenue diversification via substantial increases in earning assets and origination volumes  History of significant, consistent tangible book value per share growth  47.0% CAGR 

 Significant Balance Sheet Growth  Represents 3-year CAGR for the periods between December 31, 2017 and December 31, 2020Note: Annual period financial data represents the annual period ending December 31; 3Q ’21 financial data represents the nine month period as of or ending September 30, 2021  Total Deposits ($M)  Total Loans Outstanding Ex. PPP ($M)  Total Assets Ex. PPP ($M)  Total Loan Originations Ex. PPP Originations ($M)   19  51.6% CAGR  50.0% CAGR  55.0% CAGR  131.2% CAGR1 

 $164.5M  Growing Deposit Base  Note: Annual period financial data represents the annual period ending December 31; 3Q ’21 financial data represents the nine month period as of September 30, 2021  20  Core Deposit Strategy Commentary  Total Deposits Breakdown ($M)  Branch DepositsComplementary source of funding solicited through relationship-driven teams & community-focused marketingStrategic Program DepositsRecent growth in core deposits is principally driven by funds deposited through our Strategic ProgramsRequire Strategic Program service providers to establish a reserve deposit accountProtects FinWise in the event a purchaser of loan receivables originated through our Strategic Programs cannot meet its contractual obligationReserve deposit account balances required are typically equal to total outstanding balance of loans held-for-sale related to the Strategic ProgramIn addition to the reserve deposit account, certain Strategic Program relationships have opened operating deposit accountsSBA 7(a) Deposit Program and OtherTo further expand funding options, in 2020, we piloted a new deposit product targeting SBA 7(a) customersFinWise may also pursue additional deposit gathering opportunities using our existing online and mobile banking products that provide ability to attract nationwide deposits  $94.8M  $142.0M  $253.0M   

 Top-Tier Profitability Performance  Note: “Efficiency ratio” is defined as total noninterest expense divided by the sum of net interest income and noninterest income. We believe this measure is important as an indicator of productivity because it shows the amount of revenue generated for each dollar spent. Please see Appendix for GAAP to non-GAAP reconciliations. According to the FDIC website, the data for all US Banks represents 5,406, 5,177 and 5,001 banks for 2018, 2019 and 2020 respectively. Annual period financial data represents the annual period ending December 31; 3Q ’21 financial data represents the nine month period as of or ending September 30, 2021. For ROAE and ROAA, we calculate our average assets and average equity for a given period by dividing the sum of our total asset balance or total shareholder’s equity balance, as the case may be, as of the beginning of the relevant period and at the end of the relevant period, and dividing by two  Efficiency Ratio (Non-GAAP)  Net Interest Margin  Return on Average Equity  Return on Average Assets  21 

 Significantly Well-Capitalized  Note: Annual period financial data represents the annual period ending December 31; 3Q ’21 financial data represents the nine month period as of September 30, 2021; FinWise Bank has elected to opt into the Community Bank Leverage Ratio framework starting in 2020  22  Both FinWise Bancorp and FinWise Bank have consistently maintained regulatory capital ratios significantly above the federal “well-capitalized” regulatory standards 

 Capital Growth Strategy    23  Funding Would Enable Regulatory Capital and Competitive Strength to Fuel Strategic Growth  Primary Objectives  Business Strategy Examples  Growth Capital Supports continued growth and potential acquisitions  Competitive StrengthEnables larger balance sheet to attract new partnerships, develop products, and support growth  Strategic ProgramsRetain paper on balance sheet for further risk mitigation and future cross-sell opportunities  SBA 7(a) LendingGrow organizational resources to increase originations  Continued Infrastructure EnhancementEnables scalability, enhanced analytics and reporting  FinView™Continue building technology and analytics engine to drive long-term business strategies   POS Lending ProgramExplore new verticals 

 Key Investment Highlights  As of November 12, 2021  24    Disciplined underwriting and compliance infrastructure designed to prudently facilitate a robust loan origination platform      Highly-profitable fintech lending model with compelling growth rates  Seasoned management team with considerable banking experience and a proven track record  Historically stable, relatively low-cost core deposits positioned to fund future growth  Diverse, scalable revenue stream achieved in business lines with attractive market opportunities  Proprietary FinView™ Analytics Platform, which includes an enterprise data warehouse, developed to enhance the gathering and interpretation of customer performance data                      Strong inside ownership with approximately 34%¹ of common stock currently held by directors and executive officers     

 Appendix 

 Historical Consolidated Financial Statements  26  Balance Sheet  Income Statement   

 GAAP to Non-GAAP Reconciliation  27  Tangible Shareholders’ Equity and Tangible Book Value Per Share  Efficiency Ratio  Note: “Tangible shareholders’ equity” is defined as total shareholders’ equity less goodwill and other intangible assets. The most directly comparable GAAP financial measure is total shareholders’ equity. We had no goodwill or other intangible assets as of any of the dates indicated. We have not considered loan servicing rights as an intangible asset for purposes of this calculation. As a result, tangible shareholders’ equity is the same as total shareholders’ equity as of each of the dates indicated. Note: “Efficiency ratio” is defined as total noninterest expense divided by the sum of net interest income and noninterest income. We believe this measure is important as an indicator of productivity because it shows the amount of revenue generated for each dollar spent  Goodwill 

 Significant Success with PPP Program  Represents PPP financial metrics since Program inception as of September 30, 2021  Paycheck Protection Program Overview¹  For full year 2020, originated 700 PPP loans for a total principal amount of $126.6 million (no additional PPP loans originated for the nine months ended September 30, 2021)As of September 30, 2021, PPP borrowers applied for and received forgiveness from the SBA for $124.2 million of PPP loan principal and made $0.2 million of principal payments leaving $2.3 million of PPP loan principal outstandingFor the nine months ended September 30, 2021, recognized $1.8 million in PPP-related accreted deferred loan fees, $1.4 million of which were accelerated as a result of PPP loan forgivenessShort-term modifications related to COVID-19 not classified as troubled debt restructurings as of September 30, 2021 were $0.2 million  FinWise leveraged its technology platform and strategic platform relationships…  28  Originations (#)  700  Principal Amount ($M)  $126.6  Total PPP Fees Recognized ($M)  $2.2  Deferred PPP Fees($M)  NM 

 FinWise has Built a Highly Regarded Platform    29    2019#41 best-performing under $3B  2020#2 best-performing under $3B  Selected Rankings  2020#6 Largest Lender in NY  2020#8 Largest Lender in NJ  2018#12 best-performing under $3B  2017#3 best-performing under $1B  2019#9 Largest Lender in NY 

 FinView™ Analytics Platform: Buildout Drives Continued Scale  Near-term strategic priority; timing of product development dependent on a number of factors, including timing for new hires  30  2017: Began using API to connect with Strategic Program service providers 2018: FinView™ used to analyze retention of selected Strategic Program loans2020: Enhanced enterprise data warehouse to more efficiently capture loan origination and servicing data2021: Continued build out of FinView’s™ business analytics module; building an updated version of its API  2016  Strategic Program Service Providers:1  2017  API v1  Strategic Program Service Providers:4  2018  Manual credit insights  Strategic Program Service Providers:7  API v1  2019  Manual credit insights  Strategic Program Service Providers:9  API v1  2020  Manual credit insights  Strategic Program Service Providers:8  API v1  Enterprise Data Warehouse  2021  Manual credit insights  Strategic Program Service Providers:11+  API v1  Enterprise Data Warehouse  API v2  2022+  Manual credit insights  Strategic Program Service Providers:11+  API v1  Enterprise Data Warehouse  Business Intelligence Analytics  API v2  Machine Learning and AI  The compilation of millions of loan origination and servicing data points creates deep insights that drive more informed decision-making across asset classes, and enables more efficient product launches   

 Board of Directors  As of November 12, 2021  31  Name  Title  Current / Prior Experience  Russell F. Healey, Jr.  Chairman of the Board  CFO and COO of Feature Films for FamiliesSole owner of the Healey Company  Howard I. Reynolds  Vice Chairman of the Board  Member of Board since inceptionFounding investor of Element Solar Energy  Kent Landvatter  President, CEO and Director  President, CEO and Director of FinWise  James N. Giordano  Director  CEO of Cambridge Medical Funding Group LLC and Care Cap Plus LLC  Thomas E. Gibson, Jr.  Director  Bank and Credit Union Examiner at the Utah Department of Financial Institutions  Lisa Ann Nievaard  Director  General manager of franchise leadership at Coca-Cola North America  Jeana Hutchings  Director  Diversified Insurance Group founder and partner  Gerald E. Cunningham  Director  Member of Board since inceptionPurchasing Manager at Goldcrest Homes  Director & Executive Officer Beneficial Ownership: 33.6%1