Investor Presentaiton

Small Business ◉Technology Roadmap Midland's technology investments are enhancing efficiencies, improving client experience, and positively impacting retail deposit gathering and commercial/consumer loan production Consumer Flexible Overdrafts Wealth Commercial Commercial Online Account Opening (Q4 2021) ■ncino (Q1 2022) Near real time Zelle® payments (Q1 2021) VELOCITY SOLUTIONS Integrated Payables - Payments (Q4 2021) FIS Customer Facing Online loan blend Origination (Q1 2021) Commercial Relationship pricing optimization engine (Q1 2022) precisionlender. Online Access and Portal (Q3 2023) Consumer online ■ncino SBA Loan Portal (2021) salesforce account opening (2020) Automated analytics-based marketing platform deployed with access to all datasets and all businesses (2020 and on-going) CRM deployed to 700+ front office employees with rich view of the customer, automated leads, and single view of pipelines for executive team (2020) SBB Loan Portal (Opening May 2023) salesforce ENVESTNET MoneyGuide FIS Black Diamond salesforce marketing cloud salesforce Retail Banking Needs Navigator & Customer salesforce Incentive Programs (2020, Self service loan portal and treasury on-boarding (2021) salesforce Trust Platform (Q1 2024) SS& INNOVEST Black Diamond Five9 Customer Care (March 2023) Five9 RIA Platform (Q3 2023) Black Diamond Fintech Partnerships Established JAM FINTOP Canapi Fund, Alloy, Blend, Plaid, GreenSky, JAM/FINTOP Fund, Informatica Informatica GreenSky CANAPI synctera Five9 alloy PLAID TrueDigital Foundational CX Platform Customer Feedback (2020, 2021) NICE+ Artificial Intelligence (2020, 2021) 200+ RPA "bots" deployed in the last 18 months, Al based solutions applied in Risk Management, Mortgage Operations (Q2 2021), and Cyber Security (UEBA) Silo-elimination and 360 view of customer (2020) Ui Path ☑ nintex Power BI All sales teams on single sales platform using same 360 view of customer SAS Viya Centralized Data Analytics - Informatica, PowerBI, SAS Viya (2018, 2019, 2020) Oracle data warehouse with 98% of data accessible for analytics across all products, services and channels. 15 Digital Talent (47 FTE) Chief Digital Officer, Director - Strategic Transformation, Director - Strategic Engineering & Development, Director - Banking as a Service,, Lead Engineer API Development, Senior Manager - Digital Marketing, Manager - Customer Experience, Board Member - Digital Expertise, Web Development

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