Resting heart rate of 99bpm, after exercise, my heart rate is 120bpm but goes back to 99bpm. ekg is normal. see cardiologist?

Your resting: Heart rate is abut high but otherwise no concerns from heart rate standpoint...Regular exercise will lower resting heart rate over time.

Heart rate: At your age a low heart rate of 99 is a little unusual. Your primary md could start your evaluation with an ekg. I would also consider a non cardiac cause such as hyperthyroidism or anemia. I would also think you can achieve a much higher rate than 120. You didn't mention how hard you were exercising.