Investor Presentaiton

W Mortgage market context slide #2 of 3 .. Mark-to-Market Loan to Value (all mortgages in the U.S.) Percent Average Percent less Percent Percent greater than LTVR than 60% 60-70% 70-80% 80% United States 48% 78% 19% 10% 1% Wisconsin 45% 70% 9% 7% 0% WISCONSIN SCHOOL OF BUSINESS UNIVERSITY OF WISCONSIN-MADISON TOGETHER FORWARD® JAMES A. GRAASKAMP CENTER for REAL ESTATE Source: Federal Housing Finance Agency, National Mortgage Database, Mortgages Outstanding on June 30, 2022 and the Graaskamp Center.

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