1. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Building Permits & Site Planning Customized Floor Plans Construction Schedule In-house Assembly Delivery Custom Exterior Finishes Custom Interior Finishes Project Profile: Independent Bank Project Profile: Three Rivers Bank FULL TURNKEY SOLUTIONS FOR NEIGHBORHOOD BRANCH BANKS From Concept...

2. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. FULL TURNKEY SOLUTIONS FOR NEIGHBORHOOD BRANCH BANKS From Concept... To Completion Building Permits & Site Planning Customized Floor Plans Construction Schedule In-house Assembly Delivery Custom Exterior Finishes Custom Interior Finishes Project Profile: Independent Bank Project Profile: Three Rivers Bank

3. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. One Stop Shopping Couvrette Handles all the Details Custom Site and Floor Plans to Meet Any Need Buildings Up to 5,000 Square Feet Full Service Contractor (Class A, B, C) Building Permits for 50 States UBC, IBC, BOCA, ADA, ASHRAE, and Other State and Local Codes State Certified Buildings PERMITS AND SITE PLANNING

4. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Completely Customizable Floor Plan Includes all the Features of a Full Service Branch Bank Can be Designed for Easy Future Expansion FLOOR PLANS FOR ANY SIZE BRANCH Sample Floor Plan: ~1,800 Square Feet

5. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. PROJECT TIMELINE Initial Agreement to Proceed with Project Begin Timeline Preliminary Design Approval Design and Engineering Fee 10% of Budget Not to Exceed Agreement Full Architectural and Engineering For ApprovalFour Weeks Final Approvals and Sign Off or Revisions for ApprovalTwo Weeks Neighborhood Branch Factory ConstructionTen Weeks (see next slide) Concurrent Site Work Six Weeks Neighborhood Branch Installation and Site FinishThree Weeks Total Time Estimate Start to OpeningSeventeen Weeks

6. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Fast and Effective Design Methods Fast Track Construction Methods Installed on Site in About Half the Time as a Stick- built Building Possibility of fine-tuning design till the last stage Simultaneous Construction Multiple Units Reduced Site Disruption FACTORY CONSTRUCTION SCHEDULING week one Schematic and Shop Drawings week two Purchasing week three Casting the Floor week four Wall Framing week five Roof Framing week six through eight Final Finishing, HVAC,. Plumbing, Electrical week nine Shipping and Delivery week ten On-site Assembly

7. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Large World Class Manufacturing Facility: 115,000 Sq. Ft. Plant in Salem, Virginia Use of State of Art Equipment to Reduce Labor, Increase Efficiency, Improve Quality and Control Costs Highest Quality Procedures in Manufacturing Steel Frame Construction Precise Superior Joints Compared to Wood Frame High R Value for Walls, Ceiling, and Floors. HIGH QUALITY IN-HOUSE MODULAR ASSEMBLY

8. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Company Owned Fleet of Delivery Trucks Ensures Timely Delivery Product is Installed by Couvrette Factory-trained Personnel All Work is Inspected and Certified Throughout the On-site Assembly Process DELIVERY & INSTALLATION

9. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. EXTERIOR FINISHES FOR ANY ARCHITECTURAL STYLE

10. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Couvrette works with you or your interior designer to define the floor covering, wall covering, countertops, lighting, windows, and other features. INTERIOR FINISHES MEET ANY REQUIREMENT

11. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Independent Bank Initial Concept Renderings

12. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Site Preparation for 46 x 28 Branch Project Profile: Independent Bank

13. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Independent Bank Floor Plan for 46 x 28 Branch

14. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Independent Bank In-house Assembly

15. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Independent Bank In-house Assembly

16. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Independent Bank In-house Assembly

17. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Independent Bank On-site Assembly

18. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Independent Bank On-Site Assembly

19. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Independent Bank On-Site Assembly

20. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Independent Bank On-Site Assembly

21. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Independent Bank Interior and Architectural Details

22. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Independent Bank Completed Neighborhood Branch

23. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Initial Concept Renderings Project Profile: Three Rivers Bank

24. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Site Plan and Site Preparation for 34 x 14 Branch Project Profile: Three Rivers Bank

25. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Floor Plan for 34 x 14 Branch Project Profile: Three Rivers Bank

26. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. In-house Assembly Project Profile: Three Rivers Bank

27. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Three Rivers Bank On-site Assembly

28. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Three Rivers Bank On-site Assembly

29. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Three Rivers Bank On-site Assembly

30. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Interior Details Project Profile: Three Rivers Bank

31. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Project Profile: Three Rivers Bank Completed Neighborhood Branch

32. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Neighborhood Branch Questionnaire Items Included In Budget Estimate Site Work Scheduled Items Specifying A Neighborhood Branch

33. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Neighborhood Branch Questionnaire Allows you to define basic branch requirements including: Customer Function Areas Number of Teller Lines Number of Offices Approximate Square Footage Approximate Exterior Finish and Roof Line Contact Couvrette Building Systems for a Copy or download from our web site at http://www.couvrette.com/nbranch-pricing.html

34. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Items Included in Budget Estimate State Building Certification and Inspection Fees Building Design and Architectural Fees Building Structural Design Fees Electrical Engineering Design Fees All Calculations for Local Code Requirements Delivery and Installation

35. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Site Work Scheduled Items Site Design and Architectural Fees Permit Processing and Fees Construction Management and Supervision Site Survey Demolition, Removal, and Excavation Islands, Curbing, Sidewalks, Paving, and/or Resurfacing Landscaping

36. Headquarters 565 Electric Road, Salem, VA 24153 TEL (540) 375-2608 FAX (540) 375-2638 products@couvrette.com www.couvrette.com California Office 8665 Argent St. Suite D, Santee, CA 92071 TEL (619) 938-8000 FAX (619) 938-8001 Information in this presentation is representational only. Not to be used for color sampling. Dimensions to be read not to be measured. Let Couvrette Handle All The Details From Concept To Completion