BHB-CommBanking Overview

1. Welcome WELCOME TO BURKE & HERBERT BANK I want to thank you personally for considering Burke & Herbert Bank. As Virginia’s oldest bank, we are headquartered in Old Town Alexandria, and have been “At Your Service Since 1852,” serving generations of businesses, organizations, families and individuals. As a true community bank, we are deeply tied to the communities where we live and work and we are invested in the success of every client. In fact, no bank in Virginia has a longer history, more experience, deeper ties, or a stronger reputation for making deals happen than Burke & Herbert Bank. Besides achieving nearly 170 years of stable and organic growth, we pride ourselves on providing a full range of banking products and services that you might not expect at a community bank. Whether your business needs financing, working capital, digital and treasury management services or other solutions, you can rely on our team at Burke & Herbert Bank for the knowledge, expertise and can-do attitude that you’re looking for. We look forward to working with you. David P. Boyle, President & Chief Executive Officer ABOUT BURKE & HERBERT BANK Burke & Herbert Bank was founded by John Woolfolk Burke and Arthur Herbert in 1852 in Old Town Alexandria, Virginia, and is the longest-standing continuously operating Bank in the Commonwealth. The Bank’s current Chairman of the Board, E. Hunt Burke, represents the fifth generation of the Burke family to have a leadership role at the Bank. • Over $3.5 billion in assets and continuing to grow • 20+ offices in Virginia, with a new regional headquarters in Fredericksburg • Commercial clients throughout Virginia, Maryland and Washington, DC Commercial Banking • Digital and Treasury Management services accessible anytime and anywhere • Full array of commercial banking solutions • Ongoing commitment to investing in every community that we serve 703.684.1655 • burkeandherbertbank.com/business

2. Working With Burke & herBert Bank Throughout the Bank’s long history, our commitment to serving our customers and our community has always been at the heart of our mission. Financing solutions from Burke & Herbert Bank have enabled thousands of local businesses and organizations to grow and thrive. BETTER BUSINESS BUILT THOUGH BETTER RELATIONSHIPS The relationships we build with our customers are vitally important. We get to know you and your business so the solutions we offer are relevant and help you meet your business challenges and objectives. We will work with you as a partner and advisor and take very seriously our role as a trusted financial partner. • A dedicated Relationship Manager will work with you on an ongoing basis to ensure that the Bank understands and meets your evolving needs. • When you have borrowing needs, your Relationship Manager will take the lead on crafting financing solutions and options and will work with you throughout the loan process, proactively managing all aspects and keeping you informed. • Our community bank culture and size also mean that we are able to have the right people at all levels in the organization involved as appropriate in loan decisions. All loan decisions, underwriting, and processing are done right here in Virginia. • To meet your commercial banking and treasury management needs, your Relationship Manager will engage the appropriate specialists and resources at the Bank to craft and implement solutions that are best for you. • We respect your time and resources, following up and delivering on promises in a timely manner. • We stand by our commitments, so you can depend on us. Commercial Banking 703.684.1655 • burkeandherbertbank.com/business

3. commercial real estate Burke & Herbert Bank has been providing real estate and construction financing to builders, owners and developers of property throughout the northern Virginia region for nearly 170 years. In that time, we have earned our reputation as outstanding real estate experts. Our clients appreciate and depend on our depth of knowledge about all aspects of a commercial real estate project – not just the loan itself, but the surrounding issues too: local zoning laws, land use history and concerns, knowing the stakeholders and their interests. When you work with Burke & Herbert Bank, you’ll benefit from our extensive experience, insight and connections to help make your next deal happen. PRODUCTS & SERVICES Investment Property Mortgages • Finance and refinance of commercial and residential investment real estate, such as office buildings, warehouse and industrial buildings, multi-family units, retail units, and other non-owner occupied buildings Construction Loans • Loans for ground-up construction • Loans for renovation of existing property Short-Term Investment Real Estate Loans • Loans for acquisition, renovation and sale of investment property or short-term rental property • Bridge loans Letters of Credit • Stand-by letters of credit to support land development and construction loans ADDITIONAL SERVICES We also provide a full array of business deposit accounts, digital and treasury management services, hedging products and more. Your Relationship Manager will work to understand your needs and recommend the solutions that will work best for you. OUR TEAM Together, our Commercial Real Estate team members bring over 100 years of combined experience in our region’s real estate marketplace, and support a large and growing Commercial Real Estate portfolio. Talk to us today! 703.684.1655 • burkeandherbertbank.com/business

4. commercial & industrial Financing Whether your business is large or small, Burke & Herbert Bank’s wide variety of loans and financing solutions, together with our knowledgeable and capable team, can help you grow your business. Our Relationship Managers will listen to you, understand your business and propose creative solutions that are specifically designed for your needs. Unlike other banks with limited one-size-fits-all loan options, at Burke & Herbert Bank we pride ourselves on our ability to customize loan solutions, ensuring that we provide our clients with the right tools to help them grow. PRODUCTS & SERVICES Term Loans • Equipment financing, acquisition financing, long-term working capital business expansion Letters of Credit • Standby letters of credit to help minimize risk and preserve cash flow Owner-Occupied Commercial Mortgages • Finance or refinance commercial property that is occupied by the business owner Lines of Credit • Financing to help manage cash flow, including Accounts Receivable and inventory • Access to shorter term and/or seasonal working capital SBA 504 Loans • Financing for major fixed assets such as equipment or real estate ADDITIONAL SERVICES We also provide a full array of business deposit accounts, digital and treasury management services, hedging products and more. Your Relationship Manager will work to understand your needs and recommend solutions that will work best for you. OUR TEAM Our seasoned team of Relationship Managers has the experience and know-how that our customers are looking for, plus an impressive track record of designing solutions that meet clients’ needs. Talk to us today! 703.684.1655 • burkeandherbertbank.com/business

5. digitaland treasury solutions Burke & Herbert Bank offers a broad array of Digital and Treasury solutions designed for your unique needs. Our Treasury Management Consultants, in conjunction with your Relationship Manager, will work with you to customize a plan that works for your business today, while taking into account future growth. Our solutions will help you: • Improve working capital • Send payments and receive funds quickly and efficiently • Access your information when and where you need it • Mitigate fraud risk CUSTOMIZED INVESTMENTS AND FUNDING OPTIMIZED PAYABLES AND RECEIVABLES IMPROVED RISK MITIGATION AND CONTROLS Commercial Lending Wires Positive Pay for ACH and Checks Commercial Card ACH Robust Digital Administration Wealth Services Lockbox Automated Sweeps Remote Deposit Dual Control Debit Card Virtual Token Merchant Services 703.684.1655 • burkeandherbertbank.com/business

6. our team in FredericksBurg “Burke & Herbert Bank has an unmatched history of success serving customers in the Commonwealth. I chose to join Burke & Herbert Bank to build on its proud history throughout Virginia, and to establish a regional headquarters in Fredericksburg. I’m very excited to be able to raise a family, work and volunteer in such a close knit community. Burke & Herbert Bank’s local community focus is a perfect fit for Fredericksburg.” — Greg Mellors, Senior Vice President, Commercial Banking “While my wife and I raised three children in the area, I served as a market leader and enjoyed becoming well acquainted with the businesses and people that propel the region forward. I am excited about bringing the knowledge, commitment, local decision-making and can-do approach of the Burke & Herbert Bank team to help businesses in the Fredericksburg region succeed.” — Lee Pugh, Senior Vice President, Commercial & Industrial Banking “Having been born and raised in the Fredericksburg area, I know first-hand the opportunities and challenges that our region’s businesses face every day. That’s why I chose to work for Burke & Herbert Bank – because of the significant resources and know-how that Burke & Herbert Bank has to help businesses in the Fredericksburg region grow and thrive.” — Jeff Rouse, Principal Vice President & Relationship Manager “I’m delighted to serve as Manager of Burke & Herbert Bank’s Fredericksburg branch. As a Fredericksburg native, life-long resident, and active supporter of activities in our region, I’m excited to be part of a home-grown Virginia bank that cultivates deep local ties and has a genuine commitment to the community.” — Jeff Davis, Vice President & Branch Manager “We are very fortunate to have such high quality relationship bankers working with clients in the Fredericksburg area. All of them are well established and have broad experience and familiarity with many businesses and organizations in the greater Fredericksburg region.” — David Boyle, President & CEO 703.684.1655 • burkeandherbertbank.com/business

7. Burke & herBert Wealth services Whether you want to secure a comfortable retirement, fund a college education, or distribute assets to people and causes you care about, Burke & Herbert Bank has a team of professionals who turn their full attention and expertise to guiding you through every life stage. INVESTMENT MANAGEMENT AND FINANCIAL PLANNING Turn to us for an integrated, holistic approach to managing your financial assets, delivered by top notch financial professionals who have a fiduciary duty to put your needs first. You’ll have access to professionals who have earned a prestigious certiFied Financial Planner™ (CFP®) designation, indicating mastery of everything from financial and retirement planning to investments and insurance. PRIORITY ATTENTION AND EXCLUSIVE BENEFITS Private Banking offers an elite level of service and attention to selected clients, for all your financial priorities. As a Private Banking client, you’ll build a relationship with your own Private Banker, and you’ll work directly with our tight-knit team of financial professionals. Private Banking clients also benefit from preferential terms and higher levels of service on a wide range of products and services. ESTATE PLANNING AND ASSET PRESERVATION Proper estate planning is a key element of your financial plan, and will help ensure that you preserve your assets for future generations and organizations. At Burke & Herbert Trust Services, we can help you build a trust or estate plan that serves as a powerful tool to help you reach your long-term life goals. To learn more, call us at 703-684-1655 and ask to speak to a Burke & Herbert Wealth professional or Private Banker. Member FDIC. Bank deposits are FDIC insured. Investments made are: Not insured by FDIC or Any Other Government Agency • Not Bank Guaranteed • Not Bank Deposits or Obligations • May Lose Value Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, certiFied Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. 703.684.1655 • burkeandherbertbank.com/wealth

8. residential mortgages Burke & Herbert Bank is a full-service mortgage lender, offering a wide range of home financing options. When you get a home mortgage with Burke & Herbert Bank, you’ll benefit by working with an experienced, dedicated Mortgage Loan Officer who will listen to your needs, answer your questions, and help tailor the right financing for your needs and preferences. You’ll also work with an attentive mortgage processing team that is committed to getting you from application to closing as smoothly and efficiently as possible. But that’s not all. Burke & Herbert Bank is also a portfolio lender with the experience, discretion and independence to provide custom home loans for special circumstances that many mortgage lenders won’t consider. GREAT CHOICES FOR HOMES OF ALL SIZES Whether you are buying a new home or refinancing an existing mortgage, we offer a wide variety of home financing options. • Traditional, conforming mortgages • Jumbo mortgages for even more financing power • Specialized and custom loans • Home Sweet Home program for first-time home buyers To learn more, call us at 703-684-1655 and ask to speak to a Burke & Herbert Bank Mortgage Loan Officer, or apply for a mortgage online. 703.684.1655 • burkeandherbertbank.com

9. gregory mellors Director of Commercial & Industrial Lending Gregory Mellors is a Senior Vice President, and serves as the Bank’s Director of Commercial & Industrial Lending. He has extensive experience in commercial banking in a variety of roles including credit management and business development in addition to lending. In his role, Gregory directs Burke & Herbert Bank’s team of Commercial & Industrial Relationship Managers, and leads the development and implementation of strategies to enhance and grow this important business segment for the Bank. Prior to joining Burke & Herbert Bank, Gregory was in a commercial banking leadership role at Wells Fargo Bank, leading commercial banking teams in five separate markets throughout central and western Virginia. Prior to that, he worked at BB&T, and two community banks in south Florida. Gregory holds an MBA from the Mason School of Business Administration at the College of William and Mary in Williamsburg, Virginia, and holds a BS degree in Business Administration from the University of Maryland, Smith School of Business in College Park, Maryland. 300 North Lee Street Alexandria, VA 22314 417 Wolfe Street Fredericksburg, VA 22401 540-395-5128 gmellors@burkeandherbertbank.com Commercial Banking 703.684.1655 • burkeandherbertbank.com/business

10. JeFFrey aleshire Director of Commercial Real Estate Lending Jeffrey M. Aleshire is a Senior Vice President and leads the Commercial Real Estate lending team at Burke & Herbert Bank. His areas of focus include financing for income-producing investment property of all asset classes, including multi-family, self-storage and hospitality. He also specializes in financing investment properties, renovations, and new construction. Jeffrey is an enthusiastic supporter of the real estate industry, and actively participates in the Northern Virginia and Washington, D.C. chapters of NAIOP, the Commercial Real Estate Development Association, as well as the Northern Virginia Homebuilders Association and the Maryland Building Industry Association. He also serves on the Board of the Home Builders Care Foundation. Jeffrey joined Burke & Herbert Bank in 2018 as a Relationship Manager on the Bank’s Commercial Real Estate (CRE) lending team, bringing more than 30 years of experience in commercial lending and credit risk management. Prior to joining Burke & Herbert Bank, he worked at Susquehanna Bank, where he held senior positions in CRE Lending and Special Assets. He holds a Bachelor’s degree from Randolph-Macon College and a Masters in Finance from Loyola University in Baltimore, Maryland. He received the “Consultant of the Year” award in 2007 from the Land Development Council of the Home Builders Association of Maryland. Jeffrey lives in Oella, Maryland with his wife, and has two grown sons. He enjoys golf, hiking and outdoor exercise. 300 North Lee Street Alexandria, VA 22314 703-837-2158 jaleshire@burkeandherbertbank.com Commercial Banking 703.684.1655 • burkeandherbertbank.com/business

11. alexis santin Director of Treasury Management Services Alexis Santin, CTP is a Senior Vice President and serves as the Bank’s Director of Treasury Management. As a Certified Treasury Professional with over 15 years of banking, treasury and product experience, Alexis is a subject matter expert on commercial treasury products and trends with an enterprise wide focus on digital strategy. Alexis’s team specializes in taking a holistic, consultative approach to help clients optimize and protect their business financial operations. They do this by working to understand each client’s business, collaborating with key stakeholders and recommending solutions tailored to the client’s unique situation, needs and ongoing strategy. Alexis and her team focus on mid-size and larger businesses and nonprofits based in the Washington metropolitan region. Alexis joined Burke & Herbert Bank in 2019, and lives in Washington, DC with her husband and rescue dogs and enjoys traveling and exploring the local area and the world. 300 North Lee Street Alexandria, VA 22314 571-255-4993 asantin@burkeandherbertbank.com Commercial Banking 703.684.1655 • burkeandherbertbank.com/business

12. lee Pugh Commercial & Industrial Banking Lee Pugh is a Senior Vice President and Commercial & Industrial Lending Team Leader, based in Fredericksburg, Virginia. In addition to providing guidance and leadership to a team of Commercial Relationship Managers, Lee prides himself on building long term, mutually beneficial relationships with a wide range of commercial and business clients. His broad lending background includes crafting deals for medical and dental practices, equipment financing, and commercial real estate lending, in addition to C&I financing. Lee has over thirty years of experience in banking. Starting as a vault custodian in 1987, his extensive record includes opening new markets, most recently in Fredericksburg for First Citizens Bank, where he served as a Senior Vice President and Commercial Banker prior to joining Burke & Herbert Bank. Before that, he served in business and commercial banking roles at Royal Bank of Canada/Centura Bank and Bank of Granite, both in Hickory, North Carolina. Active in volunteer and civic affairs, Lee currently serves as Treasurer of both the Commonwealth Club and Friends of the Rappahannock. He holds a Bachelor’s degree from Lenior Rhyne College, and a graduate degree from Louisiana State University, Graduate School of Banking. He and his wife live in Spotsylvania and have three children. In his spare time, Lee enjoys reading, hiking and fly fishing. 417 Wolfe Street Fredericksburg, VA 22401 540-207-5337 lpugh@burkeandherbertbank.com Commercial Banking 703.684.1655 • burkeandherbertbank.com/business

13. JeFF rouse Commercial & Industrial Lending Jeff Rouse is a Principal Vice President and Relationship Manager on the Bank’s Commercial & Industrial Lending team. Covering Fredericksburg, Stafford, Spotsylvania, Prince William, King George and Fauquier counties, Jeff brings his consultative and relationship driven approach to clients in a wide variety of industries. Jeff has over twenty-five years of banking and business development experience. Prior to joining Burke & Herbert Bank, he served as Market President and Principal Relationship Manager in the Fredericksburg region for Wells Fargo Bank. Prior experience includes leadership roles at Rappahannock Economic Development Corporation in Fredericksburg and Stafford County Department of Economic Development in Stafford, Virginia. Jeff is an active participant in a number of local organizations, currently serving as Board Chairman for the Rappahannock Area YMCA among other Board of Director and Board of Advisor roles. He is a Stanford University graduate and an Olympic gold and silver medalist as a member of the U.S. National Swimming Team. The Jeff Rouse Swim & Sport Center in Stafford, Virginia is named in his honor. He lives in Fredericksburg with his wife and two daughters. 417 Wolfe Street Fredericksburg, VA 22401 540-395-4192 jrouse@burkeandherbertbank.com Commercial Banking 703.684.1655 • burkeandherbertbank.com/business