Dying Olive plant

I inherited this young olive tree plant from a friend in September 2022. For 6 months it sat in a Southeast facing window. For a while it did okay, but then started to wilt. I think I was over watering…

Tree Mold/Disease?

I live in SW Ontario. The tree in the attached photo is about 13 years old and is covered with what looks like a mold or a disease (my neighbour’s opinion). The other trees on my street are very mature…