CMS Case Study

Summary of Rates - 03/31/2021

INDICES

CURR. RATES UP 400BP 24M UP 200BP 24M FLAT UP 200BP

UP 200BP DOWN 100BP SHOCK UP 400BP SHOCK UP 300BP SHOCK UP 200BP

NOW - Cloyd Prime (>150K) NOW - Kasasa Public NOW Public MMDA 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+) 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

0.38 26 (1 - 24) 0.64

8 (1 - 24) 0.46

8 (1 - 12) 0.46

8 (1 - 12) 0.46 -12 (1 - 12) 0.26

26 (1 - 1) 0.64

17 (1 - 1) 0.55

8 (1 - 1) 0.46

1.41 200 (1 - 24) 3.41 100 (1 - 24) 2.41 100 (1 - 12) 2.41 100 (1 - 12) 2.41

0 (0 - 0) 1.41 200 (1 - 1) 3.41 150 (1 - 1) 2.91 100 (1 - 1) 2.41

0.64 120 (1 - 24) 1.84 60 (1 - 24) 1.24 60 (1 - 12) 1.24 60 (1 - 12) 1.24 -29 (1 - 12) 0.35 120 (1 - 1) 1.84

90 (1 - 1) 1.54

60 (1 - 1) 1.24

0.18 280 (1 - 24) 2.98 140 (1 - 24) 1.58 140 (1 - 12) 1.58 140 (1 - 12) 1.58 -17 (1 - 12) 0.01 280 (1 - 1) 2.98 210 (1 - 1) 2.28 140 (1 - 1) 1.58

0.05 0.05

0 (0 - 0) 0.05 0 (0 - 0) 0.05

0 (0 - 0) 0.05 0 (0 - 0) 0.05

0 (0 - 0) 0.05 0 (0 - 0) 0.05

0 (0 - 0) 0.05 0 (0 - 0) 0.05

0 (0 - 0) 0.05 0 (0 - 0) 0.05

0 (0 - 0) 0.05 0 (0 - 0) 0.05

0 (0 - 0) 0.05 0 (0 - 0) 0.05

0 (0 - 0) 0.05 0 (0 - 0) 0.05

0.15 200 (1 - 24) 2.15 100 (1 - 24) 1.15 100 (1 - 12) 1.15 100 (1 - 12) 1.15

0 (0 - 0) 0.15 200 (1 - 1) 2.15 150 (1 - 1) 1.65 100 (1 - 1) 1.15

0.15 200 (1 - 24) 2.15 100 (1 - 24) 1.15 100 (1 - 12) 1.15 100 (1 - 12) 1.15

0 (0 - 0) 0.15 200 (1 - 1) 2.15 150 (1 - 1) 1.65 100 (1 - 1) 1.15

0.15 200 (1 - 24) 2.15 100 (1 - 24) 1.15 100 (1 - 12) 1.15 100 (1 - 12) 1.15

0 (0 - 0) 0.15 200 (1 - 1) 2.15 150 (1 - 1) 1.65 100 (1 - 1) 1.15

0.28 200 (1 - 24) 2.28 100 (1 - 24) 1.28 100 (1 - 12) 1.28 100 (1 - 12) 1.28 -13 (1 - 4) 0.15 200 (1 - 1) 2.28 150 (1 - 1) 1.78 100 (1 - 1) 1.28

0.30 200 (1 - 24) 2.30 100 (1 - 24) 1.30 100 (1 - 12) 1.30 100 (1 - 12) 1.30

-5 (1 - 2) 0.25 200 (1 - 1) 2.30 150 (1 - 1) 1.80 100 (1 - 1) 1.30

0.17 200 (1 - 24) 2.17 100 (1 - 24) 1.17 100 (1 - 12) 1.17 100 (1 - 12) 1.17

-7 (1 - 2) 0.10 200 (1 - 1) 2.17 150 (1 - 1) 1.67 100 (1 - 1) 1.17

0.15 200 (1 - 24) 2.15 100 (1 - 24) 1.15 100 (1 - 12) 1.15 100 (1 - 12) 1.15

-5 (1 - 2) 0.10 200 (1 - 1) 2.15 150 (1 - 1) 1.65 100 (1 - 1) 1.15

0.29 200 (1 - 24) 2.29 100 (1 - 24) 1.29 100 (1 - 12) 1.29 100 (1 - 12) 1.29 -14 (1 - 4) 0.15 200 (1 - 1) 2.29 150 (1 - 1) 1.79 100 (1 - 1) 1.29

0.26 200 (1 - 24) 2.26 100 (1 - 24) 1.26 100 (1 - 12) 1.26 100 (1 - 12) 1.26

-7 (1 - 2) 0.19 200 (1 - 1) 2.26 150 (1 - 1) 1.76 100 (1 - 1) 1.26

0.45 200 (1 - 24) 2.45 100 (1 - 24) 1.45 100 (1 - 12) 1.45 100 (1 - 12) 1.45 -15 (1 - 4) 0.30 200 (1 - 1) 2.45 150 (1 - 1) 1.95 100 (1 - 1) 1.45

0.10 300 (1 - 24) 3.10 150 (1 - 24) 1.60 176 (1 - 12) 1.86 150 (1 - 12) 1.60 0.15 300 (1 - 24) 3.15 150 (1 - 24) 1.65 180 (1 - 12) 1.95 150 (1 - 12) 1.65 0.30 300 (1 - 24) 3.30 150 (1 - 24) 1.80 183 (1 - 12) 2.13 150 (1 - 12) 1.80 0.35 300 (1 - 24) 3.35 150 (1 - 24) 1.85 183 (1 - 12) 2.18 150 (1 - 12) 1.85 0.35 300 (1 - 24) 3.35 150 (1 - 24) 1.85 183 (1 - 12) 2.18 150 (1 - 12) 1.85 0.40 300 (1 - 24) 3.40 150 (1 - 24) 1.90 178 (1 - 12) 2.18 150 (1 - 12) 1.90 0.45 300 (1 - 24) 3.45 150 (1 - 24) 1.95 173 (1 - 12) 2.18 150 (1 - 12) 1.95 0.65 300 (1 - 24) 3.65 150 (1 - 24) 2.15 143 (1 - 12) 2.08 150 (1 - 12) 2.15

0 (0 - 0) 0.10 300 (1 - 1) 3.10 225 (1 - 1) 2.35 150 (1 - 1) 1.60 0 (0 - 0) 0.15 300 (1 - 1) 3.15 225 (1 - 1) 2.40 150 (1 - 1) 1.65 0 (0 - 0) 0.30 300 (1 - 1) 3.30 225 (1 - 1) 2.55 150 (1 - 1) 1.80 0 (0 - 0) 0.35 300 (1 - 1) 3.35 225 (1 - 1) 2.60 150 (1 - 1) 1.85 0 (0 - 0) 0.35 300 (1 - 1) 3.35 225 (1 - 1) 2.60 150 (1 - 1) 1.85 0 (0 - 0) 0.40 300 (1 - 1) 3.40 225 (1 - 1) 2.65 150 (1 - 1) 1.90 0 (0 - 0) 0.45 300 (1 - 1) 3.45 225 (1 - 1) 2.70 150 (1 - 1) 1.95 0 (0 - 0) 0.65 300 (1 - 1) 3.65 225 (1 - 1) 2.90 150 (1 - 1) 2.15

Cloyd Bank & Trust - Page 57