Investor Presentaiton

2021 Operating Environment AUB governing philosophy - "Soundness, Profitability, & Growth - in that order of priority" Soundness Focused on the safety, soundness and profitability of the Company: Take care of our Teammates and clients Mitigate credit risk Align the expense base to the new revenue reality Achieve and maintain top-tier financial performance Managed through COVID-19 pandemic: Pivoted to a new remote work and branch operating model Focused on Teammates, clients, communities and shareholders SBA Paycheck Protection Program Adapting to meet new reality Profitability Growth At June 30,2021 Assets $20.0B Loans Deposits $13.7B $16.7B Staunton Maryland timore Washington Fredericksburg Charlottesville Roanoke Virginia Richmond Norfolk Virginia Beach Greensboro Raleigh North Carolina Charlotte Regardless of the operating environment, our goal of achieving and maintaining top-tier financial performance remains the same AUB(129) AUB LPO (3) Atlantic Utan Sankshares Union Bankshares 10

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