CMS Case Study

Summary of Rates - 9/30/2020

INDICES

CURR. RATES

SHOCK UP 100BP

SHOCK DOWN 100BP

MMDA - Cloyd (10K+) MMDA - Cloyd (20K+) MMDA - Cloyd (50K+) MMDA - Cloyd (100K+) MMDA - Business (<20K) MMDA - Business (20K+) MMDA - Business (50K+) MMDA - Business (100K+) MMDA - Business (250K+)

0.15 0.15 0.28 0.00 0.23 0.17 0.26 0.27 0.45 0.15 0.30 0.40 0.45 0.45 0.50 0.55 0.85

50 (1 - 1) 0.65 50 (1 - 1) 0.65 50 (1 - 1) 0.78 50 (1 - 1) 0.50 50 (1 - 1) 0.73 50 (1 - 1) 0.67 50 (1 - 1) 0.76 50 (1 - 1) 0.77 50 (1 - 1) 0.95 75 (1 - 1) 0.90 75 (1 - 1) 1.05 75 (1 - 1) 1.15 75 (1 - 1) 1.20 75 (1 - 1) 1.20 75 (1 - 1) 1.25 75 (1 - 1) 1.30 75 (1 - 1) 1.60

0 (0 - 0) 0.15 0 (0 - 0) 0.15 -13 (1 - 1) 0.15 25 (1 - 1) 0.25 -13 (1 - 1) 0.10 -7 (1 - 1) 0.10 -11 (1 - 1) 0.15 -8 (1 - 1) 0.19 -15 (1 - 1) 0.30 -5 (1 - 1) 0.10 -10 (1 - 1) 0.20 0 (0 - 0) 0.40 0 (0 - 0) 0.45 0 (0 - 0) 0.45 0 (0 - 0) 0.50 0 (0 - 0) 0.55 0 (0 - 0) 0.85

CD 1-5 Months CD 6-11 Months CD 12-17 Months CD 18-23 Months CD 24-35 Months CD 36-47 Months CD 48-59 Months CD 60+ Months

Cloyd Bank & Trust - Page 57