2022 Trust Forum Presentations

Internal Use Only

Internal Use Only

CBSI Component Trends from Q2 2019 to Q3 2022

Ͳ 20 0 CBSI (100=Neutral; <100=Negative Sentiment; >100=Positve Sentiment) 20 40 60 80 100 120 140 160 180

144

138

136

121

91

42

35

21

CBSI

Business Conditions

Monetary Policy

Regulatory Burden

Operations Expansion

Capital Spending

Profitability Franchise Value

Q2 2019 Q3 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021 Q4 2021 Q1 2022 Q2 2022 Q3 2022