CMS Case Study

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Detailed Simulation Assumptions - 12/31/2021

NEW CASHFLOW PREPAY TYPE

STARTING

EXISTING REPRICING

NEW VOLUME

NEW REPRICING

REP FREQ

CHG

CHG FLOOR

LIFE

LIFE FLOOR

FIXED PER

REP FREQ

CHG

CHG FLOOR

LIFE

LIFE FLOOR

TERM (MTHS)

AMORT (WAM) EXISTING NEW

BALANCE RATE ACCRUAL

INDEX OFFSET RATE

CAP

INDEX OFFSET RATE

CAP

CRE Adj 1M (Prime)

12,548 3.88 Act/360

WSJ Prime 0.33 3.58 -- WSJ Prime 0.50 3.75 -- 1 Month LIBOR 2.46 2.58 -- WSJ Prime 1.70 4.95 --

-- -- -- -- -- --

-- -- -- --

-- -- -- -- -- --

-- User Def. -- User Def. -- User Def. -- User Def.

-- -- -- --

CRE Adj 1M (Prime) I/O 21,684 3.89 Act/360

CRE Adj 1M (1M LIBOR)

1,521 2.81 Act/360 724 4.95 Act/360

CRE Adj 3M (Prime)

20% to CASHFLOW: CRE Floating Rem to CASHFLOW: CRE Fixed (5Y)

-- --

WSJ Prime 0.25 3.50 2 Year FHLB 2.45 3.95

WSJ Prime 0.25 3.50

1 --

48 60

-- User Def. -- User Def.

CASHFLOW: Home Equity HE Adj 1M (Prime) I/O LOC 17,714 4.23 Act/Act

WSJ Prime 0.47 3.72 --

-- --

Rem to CASHFLOW: HE Floating

WSJ Prime 0.25 3.50

1 --

-- 18.00

180

-- User Def.

CASHFLOW: Install Install Fixed -

7,826 5.86 Act/Act 527 4.85 Act/Act 741 3.50 Act/Act 247 3.25 Act/Act

-- --

-- -- -- -- -- -- -- --

-- -- -- -- -- --

-- -- -- -- -- -- -- --

-- User Def. -- User Def. -- User Def. -- User Def. -- User Def. -- User Def.

-- -- -- -- -- --

Install Fixed - I/O

Install Adj 1M (Prime) Install Adj 1M (Prime) I/O Install Fixed - I/O LOC Install Adj 1M (Prime) I/O LOC

WSJ Prime WSJ Prime

-- 3.25 -- -- 3.25 --

5 6.25 Act/Act

1,308 4.39 Act/Act

WSJ Prime 0.42 3.67 --

Rem to CASHFLOW: Install Fixed (2.5Y)

-- --

2 Year FHLB 4.75 6.25

-- User Def.

Overdraft (Manual)

156 --

30/360

CASHFLOW: Gov & Agy Gov&Agy Fixed -

1,424 0.59 Act/360

-- --

Rem to CASHFLOW: Gov & Agy Fixed

10 Year FHLB 1.27 3.63

240

CASHFLOW: PPP Gov&Agy Fixed - PPP

2,557 1.00 Act/360

-- -- -- -- -- -- -- -- -- -- --

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

Rem to CASHFLOW: Fed Funds

-- -- --

Fed Funds (0.10) 0.15

1 --

0.01

Other Loan Items

(656)

Act/Act Act/Act Act/Act Act/Act 30/360 30/360 30/360 30/360 30/360

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

Unearned SBA PPP Orig. Fees

(37)

Loan Suspense ICPT Loan Adjustment Loan Loss Reserve

152 --

(151)

-- --

(7,666)

Cash & Due

7,513 -- 18,314 -- 18,929 -- 13,906 --

BOLI

Fixed Assets Other Assets Liability

DDA 210,647 --

Act/Act

1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 -- 1 --

NOW - Cloyd Select NOW - Cloyd Plus

NOW - Cloyd Select NOW - Cloyd Plus NOW - Business Edge

17,926 0.05 Act/Act 3,098 0.43 Act/Act

-- 0.05 -- 0.43 -- 0.17 -- 0.13 -- 0.16 -- 0.23 -- 0.29 -- 1.24 -- 0.05 -- 0.05 -- 0.10 -- 0.10 -- 0.13 -- 0.19 -- 0.20 -- 0.12 -- 0.15 -- 0.22 -- 0.22 -- 0.38 -- 0.27

NOW - Business Edge 103,209 0.17 Act/Act

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

361 0.13 Act/Act 10,338 0.16 Act/Act 32,356 0.23 Act/Act 134,504 0.29 Act/Act 38,637 1.24 Act/Act 40,435 0.05 Act/Act 2,551 0.05 Act/Act 73 0.10 Act/Act 151 0.10 Act/Act 165 0.13 Act/Act 1,466 0.19 Act/Act 12,029 0.20 Act/Act 138 0.12 Act/Act 398 0.15 Act/Act 1,498 0.22 Act/Act 3,084 0.22 Act/Act 54,767 0.38 Act/Act

NOW - Kasasa

Public NOW 5,211 0.65 Act/Act

Public NOW -- 0.65

Savings - Secure

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

Public MMDA 36,611 0.27 Act/Act

Public MMDA

CASHFLOW: CDs CD 1-5 Months CD 6-11 Months CD 12-17 Months CD 18-23 Months

619 0.13 Act/Act 15,823 0.15 Act/Act 14,282 0.33 Act/Act 9,508 0.42 Act/Act

-- -- -- --

Cloyd Bank & Trust - Page 66

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