CMS Case Study

Summary of Rates - 9/30/2020

INDICES

CURR. RATES

SHOCK UP 100BP

SHOCK DOWN 100BP

1 Year FHLB 2 Year FHLB 3 Year FHLB 4 Year FHLB 5 Year FHLB 7 Year FHLB 10 Year FHLB FHLB 2Y NP 3M FHLB 3Y NP 3M FHLB 4Y NP 3M FHLB 5Y NP 3M FHLB 7Y NP 3M FHLB 10Y NP 3M Repo Fixed 2Y Repo Fixed 3Y Repo Fixed 4Y Repo Fixed 5Y Repo Fixed 7Y Repo Fixed 10Y Repo 2Y NP 3M Repo 3Y NP 3M Repo 4Y NP 3M Repo 5Y NP 3M Repo 7Y NP 3M Repo 10Y NP 3M NOW - Cloyd Select NOW - Cloyd Plus NOW - Business Edge

0.27 0.37 0.43 0.56 0.65 0.96 1.26 0.46 0.41 0.36 0.31 0.21 0.16 0.44 0.53 0.64 0.77 1.06 1.34 0.51 0.46 0.36 0.31 0.26 0.16 0.05 0.40 0.26 0.16 0.20 0.26 0.38 1.47 1.11 0.18 0.25 0.05 0.05 0.15

100 (1 - 1) 1.27 100 (1 - 1) 1.37 100 (1 - 1) 1.43 100 (1 - 1) 1.56 100 (1 - 1) 1.65 100 (1 - 1) 1.96 100 (1 - 1) 2.26 100 (1 - 1) 1.46 100 (1 - 1) 1.41 100 (1 - 1) 1.36 100 (1 - 1) 1.31 100 (1 - 1) 1.21 100 (1 - 1) 1.16 100 (1 - 1) 1.44 100 (1 - 1) 1.53 100 (1 - 1) 1.64 100 (1 - 1) 1.77 100 (1 - 1) 2.06 100 (1 - 1) 2.34 100 (1 - 1) 1.51 100 (1 - 1) 1.46 100 (1 - 1) 1.36 100 (1 - 1) 1.31 100 (1 - 1) 1.26 100 (1 - 1) 1.16 25 (1 - 1) 0.30 25 (1 - 1) 0.65 25 (1 - 1) 0.51 5 (1 - 1) 0.21 6 (1 - 1) 0.26 8 (1 - 1) 0.34 12 (1 - 1) 0.50 50 (1 - 1) 1.97 30 (1 - 1) 1.41 70 (1 - 1) 0.88 100 (1 - 1) 1.25 0 (0 - 0) 0.05 0 (0 - 0) 0.05 50 (1 - 1) 0.65

-2 (1 - 1) 0.25 -12 (1 - 1) 0.25 -18 (1 - 1) 0.25 -31 (1 - 1) 0.25 -40 (1 - 1) 0.25 -71 (1 - 1) 0.25 -100 (1 - 1) 0.26 -13 (1 - 1) 0.33 -13 (1 - 1) 0.28 -13 (1 - 1) 0.23 -13 (1 - 1) 0.18 -13 (1 - 1) 0.08 -13 (1 - 1) 0.03 -19 (1 - 1) 0.25 -28 (1 - 1) 0.25 -39 (1 - 1) 0.25 -52 (1 - 1) 0.25 -81 (1 - 1) 0.25 -100 (1 - 1) 0.34 0 (0 - 0) 0.51 0 (0 - 0) 0.46 0 (0 - 0) 0.36 0 (0 - 0) 0.31 0 (0 - 0) 0.26 0 (0 - 0) 0.16 0 (0 - 0) 0.05 -25 (1 - 1) 0.15 -6 (1 - 1) 0.20 -1 (1 - 1) 0.15 -2 (1 - 1) 0.18 -2 (1 - 1) 0.24 -3 (1 - 1) 0.35 -1 (1 - 1) 1.46 -30 (1 - 1) 0.81 -17 (1 - 1) 0.01 -24 (1 - 1) 0.01 0 (0 - 0) 0.05 0 (0 - 0) 0.05 0 (0 - 0) 0.15

NOW - Cloyd Prime (<10K) NOW - Cloyd Prime (10K-50K) NOW - Cloyd Prime (50K-150K) NOW - Cloyd Prime (>150K)

NOW - Kasasa Public NOW Public MMDA Business MMDA Savings - Secure

Savings - Business Secure MMDA - Cloyd (<10K)

Cloyd Bank & Trust - Page 56