Investor Presentaiton

Virginia Market Highlights Opportunity in Fast-Growing, Affluent Markets Top Counties in the U.S. - Projected Median HH Income ($000s) (1) $160 $149 $141 $138 $137 $135 $130 $130 $129 $126 $125 $120 $80 $40 $0 10.0% Loudoun, VA Falls Church, Santa Clara, San Mateo, CA Marin, CA Somerset, NJ Arlington, VA Fairfax, VA Howard, MD Douglas, CO VA CA Top 10 Counties in Virginia - Projected 5-Yr Pop. Growth 6.9% 7.5% 6.6% 6.0% 5.8% 5.8% 5.7% 5.4% 5.1% 5.0% 4.9% 5.0% 2.5% 0.0% Loudoun, VA New Kent, VA Manassas Park, VA (City) Stafford, VA VA (City) VA Falls Church, Fredericksburg, Prince William, Arlington, VA Frederick, VA James City, VA VA (City) Atlantic Source: S&P Global Market Intelligence Boxes denote county/city of operation Union Bankshares (1) Median HH Income projected for 2021 9

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