Office Loans Investment and Deposit Portfolio Analysis

- National Lending Portfolio — Q4 FY23 Return Summary(1) Northeast BANK Purchased Originated Total Regularly Scheduled Interest 6.81% 9.48% 7.89% & Accretion Accelerated Accretion, Interest, & Fees Recognized on Loan Payoffs 1.31% 0.10% 0.82% Total 8.12% 9.58% 8.71% (1) The total return on purchased loans represents scheduled accretion, accelerated accretion, gains on asset sales and gains on real estate owned recorded during the period divided by the average invested balance, which includes loans held for sale, on an annualized basis. The total return does not include the effect of purchased loan charge-offs or recoveries during the period. 24

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