Page 9 Interest Rate Risk Analysis As A Percent of Assets a. Use this report to ascertain additional risk factors, primarily those sourced from Interest Rate Risk.

FDIC Certificate # 13421 OCC Charter #0 Public Report FRB District/ID_RSSD 10/450856 County: LANCASTER UNION BANK AND TRUST COMPANY : LINCOLN, NE Interest Rate Risk Analysis as a Percent of Assots--Page 9 Interest Rate Risk 11/30/2019 8:45:24 PM 5Q Trend 9/30/2019 3/31/2019 12/31/2018 12/31/2017 12/31/2016 Long Assets Insts w/Options PG 3 BANK PCT BANK BANK 4.45 PG 3 15.69 BANK 3.76 PG 3 16.42 Mortgage Loans & Pass Thrus 16.22 PG 3 16.31 4.60 3.86 BANK 4.09 1.35 0.63 3.77 PG 3 PCT 16.756 4.476 12 Loans & Securities Over 15 Years 1.78 0.98 13 0.35 0.66 0.78 Loans & Securities 5-15 Years 0.64 0.64 67.07 Other Loans and Securities Loans & Securities Over 15 Years 89.72 1.87 10.93 (122 91.24 1.94 11.88 67.11 2.32 11.15 7.54 91.07 2.16 12.18 3.14 67.69 2.17 11.29 7.47 90.33 1.48 10.56 2.14 91.41 0.89 11.19 66.2008 2.39 37 13.50 44 7.45 6 Loans & Securities 5-15 Years Total Loans & Securities Over 15 Years 3.65 0.02 CMO'S Total Avg Life Over 3 Years Structured Notes 0.01 0.01 0.01 0.01 0.36 0.02 Mortgage Servicing (FV) 0.06 0.07 Total ) 0.08 0.07 Overall Risk Indicators Available for Sale 12.79 14.00 13.73 14.05 13.52 13.78 13.69 || Held to Maturity 0.06 0.06 23.55 1.02 21.15 0.06 22.23 1.32 21.89 1.51 22.17 0.07 20.11 14.28 1.81 21.21 15.39 0.07 18.04 Off Balance Sheet 23.25 0.00 0.00 0.00 32 Unrealized Appreciation/Depreciation Unrealized App/Dep % Tier One Cap || 0.00 0.00 0.01 0.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.02 71 -0.03 69 -0.0532 Contractual Mat/Reprice Data Loans/Securities Over 3 Year 31.72 32.89 44.53 32.29 45.00 19 45.84 15 Liabilities Over 3 Year 42.43 1.62 40.41 43.63 1.73 41.60 1.33 32.64 5.31 27.33 1.67 91 Net Over 3 Year Position 25.83 27.07 42.66 43.33 43.77 11 () )) Loans/Securities Over 1 Year 47.34 46.23 47.07 16.73 56.95 6.14 50.06 47.11 18.13 Liabilities Over 1 Year 57.18 6.61 49.77 17.04 57.77 6.18 50.63 45.56 14.74 30.83 57.48 5.70 51.14 15.77 59.16 6.08 52.28 13 94 9 Net Over 1 Year Position 30.34 28.99 62.89 13 63.98 20 Non-Maturity Deposits Non-Maturity Deps % Long Assets Net Over 3 Year Position 23 52.67 166.07 -20.95 161.52 20.22 51.75 157.33 -18.86 63.08 157.59 -19.30 58.14 174.82 24.88 63.17 152.00 -18.62 72 33 52.08 161.32 -19.80 64.30 155.07 -18.82 54.24 166.17 -21.60 146.71 -17.84 71 41 4 9 46 As % Tier 1 Capital Structured Notes 0.06 0.67 0.73 0.09 0.60 Mortgage Servicing (FV) 0.04 0.62 0.88 0.05 0.8561 1.10 59 0.12 0.57 0.69 0.05 0.85 1.20 86 61 60 0.87 0.53 0.09 0.74 1.13 91 63 73 W 3.74 0.42 4.16 0.1995 0.68 63 1.16 86 Total 0.69 1.40 FDIC Certificate # 13421 OCC Charter #0 Public Report FRB District/ID_RSSD 10/450856 County: LANCASTER UNION BANK AND TRUST COMPANY : LINCOLN, NE Interest Rate Risk Analysis as a Percent of Assots--Page 9 Interest Rate Risk 11/30/2019 8:45:24 PM 5Q Trend 9/30/2019 3/31/2019 12/31/2018 12/31/2017 12/31/2016 Long Assets Insts w/Options PG 3 BANK PCT BANK BANK 4.45 PG 3 15.69 BANK 3.76 PG 3 16.42 Mortgage Loans & Pass Thrus 16.22 PG 3 16.31 4.60 3.86 BANK 4.09 1.35 0.63 3.77 PG 3 PCT 16.756 4.476 12 Loans & Securities Over 15 Years 1.78 0.98 13 0.35 0.66 0.78 Loans & Securities 5-15 Years 0.64 0.64 67.07 Other Loans and Securities Loans & Securities Over 15 Years 89.72 1.87 10.93 (122 91.24 1.94 11.88 67.11 2.32 11.15 7.54 91.07 2.16 12.18 3.14 67.69 2.17 11.29 7.47 90.33 1.48 10.56 2.14 91.41 0.89 11.19 66.2008 2.39 37 13.50 44 7.45 6 Loans & Securities 5-15 Years Total Loans & Securities Over 15 Years 3.65 0.02 CMO'S Total Avg Life Over 3 Years Structured Notes 0.01 0.01 0.01 0.01 0.36 0.02 Mortgage Servicing (FV) 0.06 0.07 Total ) 0.08 0.07 Overall Risk Indicators Available for Sale 12.79 14.00 13.73 14.05 13.52 13.78 13.69 || Held to Maturity 0.06 0.06 23.55 1.02 21.15 0.06 22.23 1.32 21.89 1.51 22.17 0.07 20.11 14.28 1.81 21.21 15.39 0.07 18.04 Off Balance Sheet 23.25 0.00 0.00 0.00 32 Unrealized Appreciation/Depreciation Unrealized App/Dep % Tier One Cap || 0.00 0.00 0.01 0.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.02 71 -0.03 69 -0.0532 Contractual Mat/Reprice Data Loans/Securities Over 3 Year 31.72 32.89 44.53 32.29 45.00 19 45.84 15 Liabilities Over 3 Year 42.43 1.62 40.41 43.63 1.73 41.60 1.33 32.64 5.31 27.33 1.67 91 Net Over 3 Year Position 25.83 27.07 42.66 43.33 43.77 11 () )) Loans/Securities Over 1 Year 47.34 46.23 47.07 16.73 56.95 6.14 50.06 47.11 18.13 Liabilities Over 1 Year 57.18 6.61 49.77 17.04 57.77 6.18 50.63 45.56 14.74 30.83 57.48 5.70 51.14 15.77 59.16 6.08 52.28 13 94 9 Net Over 1 Year Position 30.34 28.99 62.89 13 63.98 20 Non-Maturity Deposits Non-Maturity Deps % Long Assets Net Over 3 Year Position 23 52.67 166.07 -20.95 161.52 20.22 51.75 157.33 -18.86 63.08 157.59 -19.30 58.14 174.82 24.88 63.17 152.00 -18.62 72 33 52.08 161.32 -19.80 64.30 155.07 -18.82 54.24 166.17 -21.60 146.71 -17.84 71 41 4 9 46 As % Tier 1 Capital Structured Notes 0.06 0.67 0.73 0.09 0.60 Mortgage Servicing (FV) 0.04 0.62 0.88 0.05 0.8561 1.10 59 0.12 0.57 0.69 0.05 0.85 1.20 86 61 60 0.87 0.53 0.09 0.74 1.13 91 63 73 W 3.74 0.42 4.16 0.1995 0.68 63 1.16 86 Total 0.69 1.40