BHB-Small Biz-Banking and Financing

1. Welcometo Burke & HerBert Bank We’re Here for Local Businesses Like Yours Burke & Herbert Bank is a local community bank that cares about local small businesses. To us, local companies like yours are move than welcome -- they’re special. We’re a true community bank, deeply tied to the communities in which we do business and firmly committed to the success of our customers. Financing solutions from Burke & Herbert Bank have enables thousands of local businesses and organizations to grow and thrive. We welcome the opportunity to see how we can help your small business too. About Burke & Herbert Bank Established in 1852 in Old Town Alexandria, Burke & Herbert Bank is the longest-standing continuously operating Bank in the Commonwealth of Virginia. 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. • More than 20 branch offices in Virginia serving small businesses and individual consumers • Experienced, dedicated branch management team focused on developing customer relationships and ensuring delivery of attentive and friendly service • Full array of products and services to meet business and personal banking, borrowing, and investing needs • Modern, convenient digital banking solutions that you might not expect from a community bank • Local knowledge and expertise and local decision-making on loans • Ongoing commitment to investing in the communities that we serve Burke & Herbert Bank: It’s Better Here 703.684.1655 • burkeandherbertbank.com/business 6005-0622

2. Better Business Banking services DesigneDWitH Your local Business in minD Burke & Herbert Bank offers a broad array of business services and solutions including: BUSINESS CONVENIENT CHECKING This account is ideal for small businesses with relatively simple banking needs. • No monthly fee when you maintain a $2,000 average daily balance. • Generous transaction allowance with no fees for up to 150 transactions* per month and up to $5,000 each in cash deposits and cash withdrawals. BUSINESS RELATIONSHIP PACKAGE For businesses needing multiple accounts, this packae is a great choice. The package features: • A primary checking account that comes with unlimited free transactions* plus up to $10,000 each in cash deposits and cash withdrawals per month with no transaction fees. • No monthly fee with combined balances of $35,000 in business checking, savings, money market, and certificate of deposit (CD) accounts. • Additional business checking accounts (as many as you need) with no separate monthly fee BUSINESS DEBIT CARDS AND BUSINESS CREDIT CARDS A Burke & Herbert Bank Business Visa® Debit Card comes with every Burke & Herbert Bank business checking account at no cost. Use it to pay for business purchases at any merchant that accepts Visa debit with funds from your business checking account. Apply for a Burke & Herbert Bank Business Credit Card too to gain added financial flexibility, convenience, and the opportunity to earn rewards.** BUSINESS ONLINE AND MOBILE BANKING Take advantage of digital banking services that deliver the features and convenience you need to make managing your business finances easier. Access your business accounts and pay bills anytime, anywhere from your laptop, desktop, or mobile device. Deposit checks using a smartphone or tablet. Manage your Burke & Herbert Bank Business Visa® Debit Card online, and more. Business Online Banking also is your interface for accessing treasury management services. Depending on your needs, you can add all kinds of capabilities including services that help you send payments and receive funds quickly and efficiently and mitigate risks. *Transactions include most debits, credits, and the items that make up those credits. Certain transactions have separate fees. See Schedule of Fees and Business Product Information Guide at burkeandherbertbank.com/disclosures for details. $100 minimum deposit required to open a Business Convenient Checking Account; $1,000 required to open a Business Relationship Package. **Subject to credit review and approval. Cards are issued by TCM Bank, N.A. pursuant to a license from Visa Incorporated. Visa® is a registered trademark of Visa Incorporated. 703.684.1655 • burkeandherbertbank.com/business 6006-0622

3. Financing solutionsto Help Your Business Do Better Borrowing is better at Burke & Herbert Bank. We offer financing solutions designed specifically to meet the needs of small businesses*. Best of all, you’ll work with a banker right here in your neighborhood who will help you determine the solution that’s best for your business and guide you through the process. SMALL BUSINESS LINE OF CREDIT For a dependable source of cash that you can use for any purpose, a Small Business Line of Credit is a great choice. • Lines from $10,000 to $150,000 (unsecured) or up to $500,000 (secured) • Variable rates based on Prime** • 0.25% discount available with auto-pay from your Burke & Herbert Bank business checking account • Interest-only payments • 24-month term • No annual fee • Easy access through Business Online Banking, Mobile Banking or by check SMALL BUSINESS TERM LOAN A Burke & Herbert Bank Small Business Term Loan is perfect when you need a lump sum to fuel your business growth. • Loans from $10,000 to $500,000 (secured) • Terms from 18 to 60 months • Attractive fixed rates based on Prime** • 0.25% discount available with auto-pay from your Burke & Herbert Bank business checking account SMALL BUSINESS OWNER-OCCUPIED REAL ESTATE TERM LOAN To purchase property for your business or refinance a higher-rate real estate loan, talk to us about a Small Business Owner-Occupied Real Estate Term Loan. • Available when your business occupies over 50% of the property • Loans up to $1,000,000 • Attractive fixed rates • Terms up to 15 years We also offer Small Investment Real Estate Loans up to $1,000,000 to finance commercial or residential income-producing properties that you lease out to tenants. Talk to us to learn more. *To apply for a small business loan of line of credit, your business must be in operation for two years or more and have a primary location in the Bank’s lending area. Loans and lines of credit are subject to credit approval. Other terms, conditions, and fees may apply. **Rates are based on Prime plus a margin, which takes into consideration creditworthiness and size of loan/line of credit. 703.684.1655 • burkeandherbertbank.com/business 6007-0622

4. makingtHe move to Better Business Banking We know that your time is valuable. That’s why we work to make every aspect of your banking relationship simple and efficient, including the transition to your new accounts and services with us. Here’s an overview of the items to consider when you make the move. OPENING YOUR NEW BURKE & HERBERT BANK ACCOUNT We’ll need to gather some specific information to open your new accounts, including: • Company and company contact names, addresses, phone numbers and email addresses • Organizational documentation such as articles of organization, by-laws (if applicable), Tax ID and confirmation (IRS SS-4 or 147C letter), certificate of good standing, beneficial ownership information, a completed questionnaire regarding anticipated account activity, and operating agreement (if applicable). For non-profits, documentation needed includes official minutes of a board meeting identifying individuals authorized to act on bank accounts and an IRS tax exemption letter. • Information from individuals who will be authorized signers including social security numbers and government issued photo IDs. SETTING UP YOUR NEW DIGITAL BANKING AND TREASURY SERVICES Based on your needs, we’ll recommend a combination of digital banking and treasury solutions to enable you to make and receive payments efficiently, access funds and information, and provide protection and reporting. Then we’ll work to set them up for you and ensure you have everything you need to get started. NOTIFYING SERVICE PROVIDERS OF YOUR ACCOUNT SWITCH Avoid any disruption to your business by notifying key service providers about your new account. Contact your payroll provider, merchant services provider and other partners such as bookkeepers, accountants, attorneys, and insurance companies. Move your recurring payments to and from your accounts (for utility bills, loan payments, etc.) as well. CLOSING YOUR OLD BUSINESS ACCOUNTS Once your checks have cleared and all automatic payments and direct deposits are moved to your new account, it is time to close your old account. Notify your previous bank to close your account and send remaining funds to your new account. Destroy old checks and cards. Deactivate online banking. READY TO MAKE THE MOVE TO BETTER BUSINESS BANKING? Just let us know when you’re ready. We’re here to help. 703.684.1655 • burkeandherbertbank.com/business 6008-0622