Investor Presentaiton

4 Conservative CRE and CLD portfolios CRE portfolio was $7.6bn (32.7%) of loan portfolio CRE Composition CLD portfolio was $2.1bn (8.9%) of loan portfolio CLD Composition Raw/Undeveloped Land OO CRE Const. 6% Other Senior Care 1% 18% HFF 23% Restaurant 3% CRE- Multifamily 3% School 4% Medical 4% C-Store 5% Retail 11% Industrial 11% Office 17% CRE Geographic Diversification 7% Multifamily. Const. 8% Hotel Const. 10% Investor CRE Const. 12% Institutional Lot Banking 30% 1-4 Family Const. 27% CLD Geographic Diversification TX 2% VA WA Other 2% 2% 5% FL WA 2% Other 3% 16% VA CA 2% 28% SC TX 7% 2% FL 3% SC 3% ཊྛསྶཚནྟི ཚཙྪོ NV 20% AZ 24% WA Note: CRE and CLD exposures include National Business Line loans Financial information as of March 31, 2020 NV 12% AZ 20% CA 47% 9

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