Investor Presentaiton

West Virginia House Price Index-FHFA FHFA House Price Index YoY % Chg 30 28. 26 24 22 20 18- 16 14- 12- -2 0864202468 10- 6- 4- 2. -8- -10- -12- 2023 Q4 United States: West Virginia: 5.7% 9.4% West Virginia - U.S. 30 28 26 +24 +22 20 18 16 14 12 10 0 86420 8 6 4 2 F-2 F-4 -6 F-8 F-10 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 F-12 FEDERAL RESERVE BANK OF RICHMOND Richmond Baltimore Charlotte Source: Federal Housing Finance Agency/Haver Analytics 11

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