Corporate Strategy and Financial Performance

Our Core Strengths 11 Diversified Revenue Stream ■ Diversified revenue stream (non-interest income 24% of operating revenue) driven by trust and brokerage fee income provides protection during times of low interest rates Core Deposit Franchise ■ Reflects stable legacy markets, produces steady low-cost funding " Growing via utilization of technology and deepening of business relationships Expense Structure ■ Well established " operational infrastructure will support future growth Expense management focus, hybrid work environment and technology contribute to cost savings Engaged and Diverse Board & Management ■ Our diverse and experienced Board has the skills to oversee key business risks, strategic initiatives and governance best practices Ongoing Board - succession strategy 60% change over 7 years Robust Enterprise Risk Management Strong underwriting guidelines and risk management framework ■ Focus on risk mitigation, loan concentration management and information security Community Engagement Supporting local businesses, individuals, schools and non-profits with financial education, consultation and robust product and service offerings ▪ Knowledgeable associates committed to helping clients and the communities we serve Forward-Thinking Approach ■ Innovative and dynamic approach to attracting and retaining clients, leading to future growth and efficiencies ■ Investment in FinTech funds provides early exposure to new technology CO 6

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