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Investor Presentaiton

2021 Operating Environment - Managing through the Pandemic Soundness Profitability Growth During challenging times, it is important to remember our governing philosophy - "Soundness, Profitability, & Growth – in that order of priority" - ➤ This core philosophy is serving us well as we manage the Company through the current coronavirus pandemic crisis. We continue to effectively manage through the pandemic with an intense focus on: Taking care of our Teammates and clients - they will remember how we treated them during this period. - Mitigating credit risk – batten down the hatches and protect the Bank by working with our business and consumer clients to assist them through these tough times. - Aligning the expense base to the lower for longer interest rate environment – ensure sustained top tier financial performance on the other side. We believe that by effectively managing through this crisis, we have become a stronger, more agile company that is well positioned to take advantage of growth opportunities as economic activity normalizes. Atlantic Union Bankshares 21

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