Investor Presentaiton

Mortgages by Interest Rate - US • ● According to US Census data nearly 38% of households are mortgage free As of October 18, 2023, US 30- year mortgages are at 8.0% • The average mortgage rate in the US is 3.4% 5.01% TO 6.00% MORTGAGE RATE (5.3%) 4.01% TO 5.00% MORTGAGE RATE (20.3%) GREATER THAN 6% MORTGAGE RATE (3.7%) LESS THAN 3.00% MORTGAGE RATE (26.0%) NATIONAL BANK ANGUS WATT FINANCIAL ADVISORY GROUP+ WEALTH MANAGEMENT 3.01% TO 4.00% MORTGAGE RATE (44.7%) Chart: Lance Lambert. Source: Federal Housing Finance Agency, Morningstar

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