Investor Presentaiton

West Virginia Foreclosure Inventory Rate Foreclosure Inventory Rate Percent - Coventional Adjustable Rate Mortgages Total Mortgages 9 8- 7- 6 5. 3 - Coventional Fixed Rate Mortgages -9 -8. F7 2023 Q4 6 Adjustable Rate: 0.9% 5 Total: 0.5% Fixed Rate: 0.5% -4 2- 1. 0- 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 FEDERAL RESERVE BANK OF RICHMOND Richmond Baltimore Charlotte 3 2 -0 Source: Mortgage Bankers Association/Haver Analytics 13

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