Investor Presentaiton

W Mortgage market context slide #3 of 3 Interest Rate at Origination (all mortgages in the U.S.) Average Interest Percent less Percent Rate than 3.0% 3.0-4.0% Percent 4.0-5.0% Percent greater than 5.0% United States 3.6% 28% 44% 19% 10% Wisconsin 3.7% 28% 43% 19% 11% 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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