CMS Case Study

Summary of Rates - 6/30/2021

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

0.29 36 (1 - 24) 0.65 18 (1 - 24) 0.47 18 (1 - 12) 0.47 18 (1 - 12) 0.47 -2 (1 - 12) 0.27

36 (1 - 1) 0.65

27 (1 - 1) 0.56

18 (1 - 1) 0.47

1.11 200 (1 - 24) 3.11 100 (1 - 24) 2.11 100 (1 - 12) 2.11 100 (1 - 12) 2.11

0 (0 - 0) 1.11 200 (1 - 1) 3.11 150 (1 - 1) 2.61 100 (1 - 1) 2.11

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

0.27 400 (1 - 24) 4.27 200 (1 - 24) 2.27 200 (1 - 12) 2.27 200 (1 - 12) 2.27 -24 (1 - 12) 0.03 400 (1 - 1) 4.27 300 (1 - 1) 3.27 200 (1 - 1) 2.27

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

0.10 200 (1 - 24) 2.10 100 (1 - 24) 1.10 100 (1 - 12) 1.10 100 (1 - 12) 1.10

0 (0 - 0) 0.10 200 (1 - 1) 2.10 150 (1 - 1) 1.60 100 (1 - 1) 1.10

0.10 200 (1 - 24) 2.10 100 (1 - 24) 1.10 100 (1 - 12) 1.10 100 (1 - 12) 1.10

0 (0 - 0) 0.10 200 (1 - 1) 2.10 150 (1 - 1) 1.60 100 (1 - 1) 1.10

0.13 200 (1 - 24) 2.13 100 (1 - 24) 1.13 100 (1 - 12) 1.13 100 (1 - 12) 1.13

0 (0 - 0) 0.13 200 (1 - 1) 2.13 150 (1 - 1) 1.63 100 (1 - 1) 1.13

0.19 200 (1 - 24) 2.19 100 (1 - 24) 1.19 100 (1 - 12) 1.19 100 (1 - 12) 1.19

-4 (1 - 2) 0.15 200 (1 - 1) 2.19 150 (1 - 1) 1.69 100 (1 - 1) 1.19

0.20 200 (1 - 24) 2.20 100 (1 - 24) 1.20 100 (1 - 12) 1.20 100 (1 - 12) 1.20

0 (0 - 0) 0.20 200 (1 - 1) 2.20 150 (1 - 1) 1.70 100 (1 - 1) 1.20

0.13 200 (1 - 24) 2.13 100 (1 - 24) 1.13 100 (1 - 12) 1.13 100 (1 - 12) 1.13

-3 (1 - 1) 0.10 200 (1 - 1) 2.13 150 (1 - 1) 1.63 100 (1 - 1) 1.13

0.16 200 (1 - 24) 2.16 100 (1 - 24) 1.16 100 (1 - 12) 1.16 100 (1 - 12) 1.16

-6 (1 - 2) 0.10 200 (1 - 1) 2.16 150 (1 - 1) 1.66 100 (1 - 1) 1.16

0.22 200 (1 - 24) 2.22 100 (1 - 24) 1.22 100 (1 - 12) 1.22 100 (1 - 12) 1.22

-7 (1 - 2) 0.15 200 (1 - 1) 2.22 150 (1 - 1) 1.72 100 (1 - 1) 1.22

0.21 200 (1 - 24) 2.21 100 (1 - 24) 1.21 100 (1 - 12) 1.21 100 (1 - 12) 1.21

-2 (1 - 1) 0.19 200 (1 - 1) 2.21 150 (1 - 1) 1.71 100 (1 - 1) 1.21

0.36 200 (1 - 24) 2.36 100 (1 - 24) 1.36 100 (1 - 12) 1.36 100 (1 - 12) 1.36 0.10 300 (1 - 24) 3.10 150 (1 - 24) 1.60 150 (1 - 12) 1.60 150 (1 - 12) 1.60 0.15 300 (1 - 24) 3.15 150 (1 - 24) 1.65 156 (1 - 12) 1.71 150 (1 - 12) 1.65 0.30 300 (1 - 24) 3.30 150 (1 - 24) 1.80 158 (1 - 12) 1.88 150 (1 - 12) 1.80 0.35 300 (1 - 24) 3.35 150 (1 - 24) 1.85 158 (1 - 12) 1.93 150 (1 - 12) 1.85 0.35 300 (1 - 24) 3.35 150 (1 - 24) 1.85 157 (1 - 12) 1.92 150 (1 - 12) 1.85 0.40 300 (1 - 24) 3.40 150 (1 - 24) 1.90 152 (1 - 12) 1.92 150 (1 - 12) 1.90 0.45 300 (1 - 24) 3.45 150 (1 - 24) 1.95 147 (1 - 12) 1.92 150 (1 - 12) 1.95 0.65 300 (1 - 24) 3.65 150 (1 - 24) 2.15 127 (1 - 12) 1.92 150 (1 - 12) 2.15

-6 (1 - 2) 0.30 200 (1 - 1) 2.36 150 (1 - 1) 1.86 100 (1 - 1) 1.36 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 52