North State Bank Sales Support Collateral as of June 2025

Mortgage Sales Support Collateral

The following pages contain samples of North State Bank mortgage sales support collateral that can be customized with mortgage loan officer information, including:

Name Headshot Functional/Offer Title Contact Information: phone/mobile number(s), email address QR Code linking to website bio page NMLS

To request customized sales support material, email Marketing@NorthStateBank.com.

In your request, specify which piece you would like customized, the contact information to include, and the need-by date. When possible, submit your request two weeks in advance of the need-by date. Rush requests can be accommodated from time to time, with a minimum of three business days for electronic files and five business days for printed copies. For brand consistency and compliance, all prints must be provided by the marketing department and cannot be printed on office printers or by another source.

Contents

Products Overview for Buyers: Product Overview for Realtors:

Together, Let’s Make it Happen (pages 2-3) Quick Reference Guide (pages 4-5; this piece is laminated for long-term use) Mortgage Principal and Interest Chart (pages 6-7) Loans to Get You In Your New Home (page 8) Keeping Your Mortgage On Track (page 9)

9” X 6” Payment Chart: USDA and FHA Loans:

Do’s and Don’ts: What to Expect:

Application to Closing (page 10)

Yard Sign:

Financed by North State Bank (page 11)

Mortgage + Renovation Loan:

Make A Great House the Perfect Home (page 12)

Own or Rent

Own or Rent (page 13) Special Offer (page 14)

Seller-Paid Buydown:

Why Rent When You Can Buy: Why Rent When You Can Buy:

If Your Rent is $1,800 (page 15) If Your Rent is $2,400 (page 16) Making the Switch (page 17)

eClosings

Tog e t her , l e t’ s make it happen.

The mortgage loans we o ff er include:

FHA (Federal Housing Administration) • 3.5% down payment • Government insured VA (Veterans Affairs) • • active duty and eligible family members 100% Financing 2 For quali fi ed veterans, reservists,

Co n v entional • 3% down payment • Fixed or adjustable interest rates Jumbo • 10% down payment • Loans greater than $806,500 • Fixed or adjustable interest rates • No PMI required when certain conditions are met 1

Fannie Mae HomeReady ® • 3% down payment • Reduced PMI • Down payment can be gift funds • Income limits may apply Freddie Mac Home Possible ® • 3% down payment • Reduced PMI 3 • Down payment can be gift funds • Income limits may apply

>>>

Sherry Green Vice President Mortgage Loan O ffi cer

North Raleigh NMLS# 99230 919.645.2746 SGreen@NorthStateBank.com

NCHFA (North Carolina Housing Finance Agency) • Down payment assistance • Reduced PMI 3 • Income limits apply

• Primary residence or second home • Permanent foundation required • Home must have been built after June 15, 1976 • Must have HUD Certi fi cation Label and HUD Data Plate 5 • Multi-wide homes only Manufactured Home • Residence must be located in Wake, New Hanover or Johnston counties • Borrower income must be 80% or less of AMI 4 USD A (United States Department of Agriculture) • • Property must be eligible • Income limits apply 100% Financing 2 No Down Payment • Finance up to 100% of purchase price or appraised value (the lesser of the two) • Maximum loan amount is $350,000 • Closing costs cannot be fi nanced • Available to all borrowers, not just fi rst-time homebuyers • Fixed-rate term • PMI not required 3 • Completion of a homebuyer education course is required

NorthStateBank.com Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Restrictions may apply. 1 Loans from $806,501 to $3,000,000 (maximum loan amount), primary residences only. 2 The VA and USDA allow the borrower to fi nance up to 100% of the purchase price of their primary home, if the value is supported. Credit may exceed the fair market value of the dwelling. Interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. Consumers should consult their tax advisors for information regarding the deductibility of interest and charges. 3 Private Mortgage Insurance. 4 Area Median Income. 5 U.S. Department of Housing and Urban Development. 1/2025.

Mortgage Loan O ffi cer North Raleigh NMLS# 67558 919.582.1650 WJoyner@NorthStateBank.com Worth Joyner

Loan Products for Purchase Transactions Quick Refere n ce Guide

NCHFA Progr ams

Freddie Co n ve n tio na l Guideli n e s

Jum bo Lo ans

VA Lo ans

FHA Lo ans

USDA Lo ans

individuals who have not owned a home in the last 3 years or borrowers below certain income limits (determined by county) 5% for current & previous homeowners 3% for fi rst time homebuyers, 3% of sales price for LTV’s > 90% 6% of sales price for LTV’s 75.01 – 90% 9% of sales price for LTV’s < 75% Investment property 2% maximum Gifts from a relative are allowed toward the 3% down payment requirement Gifts allowed after 5% down payment requirement met on second homes only Gifts are not allowed on investment property

3.5% required

Down payment may be required on loan amounts of $806,501 and above, based on eligibility Up to 4% of value as indicated on the Notice of Value as indicated per the VA appraiser

No down payment required

Follow loan type guidelines; down payment assistance available

15% up to $3,000,000 10% up to $1,500,000

Dow n P aym e n t

Follow loan type guidelines

Up to 6% of the sales price

Closing cost + prepaids

3% of sales price for LTV’s > 80% 6% of sales price for LTV’s < 80% Investment property 2% maximum Gift funds not allowed for LTV’s > 80% Gift funds not allowed for investment property

Seller C on tributio ns

Up to 6% of the sales price

Permitted

Permitted

Permitted

Permitted

Gift Mo n e y

$806,500; VA Jumbo loans are available for higher loan amounts/ Check table for high cost counties

$806,500

$524,225-$1,209,750 for one unit properties, determined by county

$490,000-$806,500 depending on program selected

$3,000,000

$806,500 FNMA/FHLMC

Lo an L im it s

Credit Score s

620

620

620

620

640

Varies with LTV

PMI if LTV is > 80%

Government insured loan funding fee, no MIP

Government insured loan, upfront MIP can be fi nanced, monthly MIP

Government insured loan, guaranty fee with MIP

Reduced PMI, if LTV is > 80% for conventional loans; FHA/VA/USDA follow loan type guidelines

No PMI

Mortg a ge Ins ur an ce

NorthStateBank.com

NMLS# 411971

Loan Products for Purchase Transactions Quick Refere n ce Guide (continued)

NCHFA Programs

Freddie Conventional Guidelines

Jumbo Loans

VA Loans

FHA Loans

USDA Loans

Chapter 13 Bankruptcy: - 1 year, with AUS approval, restrictions apply Chapter 7 Bankruptcy: - 2 years from completion date, with AUS approval

Chapter 13 Bankruptcy: - 1 year, with AUS approval, restrictions apply Chapter 7 Bankruptcy: - 2 years from discharge date with re-established credit, with AUS approval

Chapter 13 Bankruptcy: - 2 years from the discharge date or 4 years from the dismissal date, with AUS approval Chapter 7 Bankruptcy: - 4 year waiting period is required, measured from the discharge or dismissal date of the bankruptcy action, with AUS approval Foreclosure: 7 years from completion date Deed in Lieu of Foreclosure or Short Sale: 4 years from completion date Primary Residence Second Home (10% down) Investment (15% down w/720 credit score)

Chapter 13 Bankruptcy - 1 year from discharge date with GUS approval Chapter 7 Bankruptcy - 3 years from discharge date with GUS approval

Follow loan type guidelines

Allowed. Restrictions apply

Bankruptcy

2 years from completion date

3 years from completion date

3 years from completion date

Follow loan type guidelines

Allowed. Restrictions apply

Foreclosure/ Deed in Lieu of Foreclosure/ Short Sale

Primary Residence Second Home (20% Down) Investment Properties (35% Down)

Primary residence only

Primary residence only

Primary residence only Primary residence only

Occupancy

Per AUS

None, unless borrower owns multiple properties

None required

None required

Follow loan type guidelines

Varies 6 to 36 months

Cash Reserves

U.S. citizens, permanent aliens, and non-permanent aliens; must have SSN and be eligible to work

U.S. citizens, permanent aliens, and non-permanent aliens; must have SSN and be eligible to work

U.S. citizens, permanent aliens, and non permanent aliens; must have SSN and be eligible to work

Veterans and eligible reservists

U.S. citizens, permanent aliens, and non permanent aliens; must have SSN and be eligible to work

U.S. citizens, permanent aliens, and non-permanent aliens; must have SSN and be eligible to work

Eligible Borrowers

3% program: • Fixed rate only 5% program: • Fixed or adjustable rate (ARM)

Fixed rate

Fixed rate or ARM

Fixed rate

Fixed rate

Fixed rate or ARM

Loan Programs

The information contained in this Guide serves as a general overview and is accurate as of January 2025. It is intended to be used exclusively by real estate professionals and should not be provided to consumers or be made available to the public. This is not an advertisement to extend consumer credit. All products are subject to change without notice and may not be available at the time of loan commitment.

All loan applications are subject to automated underwriting and underwriter review. Restrictions and conditions may apply; some programs have income limitations. All loans, credit and collateral are subject to approval. As of January 2025.

NMLS# 411971

With local lenders, local decision-making, and local processing, North State Bank will work with your client from yes to new address .

Conventional Loans / Jumbo Loans / FHA Loans / VA Loans USDA Loans / Construction-to-Permanent Housing Finance Agency and Down Payment Assistance Programs

Rhonda Faucette

Mortgage Loan O ffi cer North Hills, Raleigh NMLS# 48502 RFaucette@NorthStateBank.com 919.796.7347

Mortgage Principal and Interest Chart (Monthly principal and interest amounts listed below are based on a 30 yr/360 payment amortization schedule.)

ANNUAL PERCENTAGE RATES (APRs*)

Mortgage Loan Amount

4.00%

4.50%

5.00%

5.50%

6.00%

6.50%

7.00%

7.50%

8.00%

$250,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000

$1,193.54 $1,432.25 $1,670.65 $1,909.66 $2,148.37 $2,387.08 $2,625.78 $2,864.49 $3,103.20 $3,341.91 $3,580.61 $3,819.32 $4,058.03 $4,296.74 $4,535.45 $4,774.15

$1,266.71 $1,520.06 $1,773.40 $2,026.74 $2,280.08 $2,544.43 $2,786.77 $3,040.11 $3,293.45 $3,546.80 $3,800.14 $4,053.48 $4,306.83 $4,560.17 $4,813.51 $5,066.85

$1,342.05 $1,610.46 $1,878.88 $2,147.29 $2,415.70 $2,684.11 $2,952.52 $3,220.93 $3,489.34 $3,757.75 $4,026.16 $4,294.57 $4,562.98 $4,831.39 $5,099.81 $5,368.22

$1,419.47 $1,703.37 $1,987.26 $2,271.16 $2,555.05 $2,838.95 $3,122.84 $3,406.73 $3,690.63 $3,974.52 $4,258.42 $4,542.31 $4,826.21 $5,110.10 $5,394.00 $5,677.89

$1,498.88 $1,798.65 $2,098.43 $2,398.20 $2,697.98 $2,997.75 $3,297.53 $3,597.30 $3,897.08 $4,196.85 $4,496.63 $4,796.40 $5,096.18 $5,395.95 $5,695.73 $5,995.51

$1,580.17 $1,896.20 $2,212.24 $2,528.27 $2,844.31 $3,160.34 $3,476.37 $3,792.41 $4,108.44 $4,424.48 $4,740.51 $5,056.54 $5.372.58 $5,688.61 $6,004.65 $6,320.68

$1,663.26 $1,995.91 $2,328.56 $2,661.21 $2,993.86 $3,326.51 $3,659.16 $3,991.81 $4,324.47 $4,657.12 $4,989.77 $5,322.42 $5,655.07 $5,987.72 $6,320.37 $6,653.02

$1,748.04 $2,097.64 $2,447.25 $2,796.86 $3,146.47 $3,496.07 $3,845.68 $4,195.29 $4,544.89 $4,894.50 $5,244.11 $5,593.72 $5,943.32 $6,292.93 $6,642.54 $6,992.15

$1,834.41 $2,201.29 $2,568.18 $2,935.06 $3,301.94 $3,668.82 $4,035.71 $4,402.59 $4,769.47 $5,136.35 $5,503.23 $5,870.12 $6,237.00 $6,603.88 $6,970.76 $7,337.65

PROVIDED BY: YOUR REALTOR AND NORTH STATE BANK

* Actual APRs and loan program terms will vary. Payment chart includes the principal and interest portion of the monthly payment only and does not include other monthly fees such as property taxes, insurance, homeowner association dues, etc. Actual payment obligation will be higher than estimate shown. May 2025

Loans to Get You in Your New Home

USDA Loans These U.S. Department of Agriculture (USDA) insured loans were developed for buyers who meet speci fi c income requirements and are interested in a property in designated rural areas. They can o ff er competitive interest rates and low-to-no down payment.

• 100% Financing* • Eligible Properties • Income Limits Apply

FHA Loans Federal Housing Administration (FHA) insured mortgage loans are a great option for fi rst-time homebuyers and others who may qualify. For primary residences only, these loans o ff er: • Down payments as low as 3.5% of purchase price. • Low closing costs. • Easier credit quali fi cations.

Fatima Martinez Assistant Vice President Community Mortgage Loan O ffi cer Southeast Raleigh NMLS# 241198 919.278.2328 (O) FMartinez@NorthStateBank.com

Mortgage loans are subject to credit approval. You must apply and qualify. The USDA allows a borrower to fi nance up to 100% of the purchase price of their primary home, if the value is supported. Credit may exceed the fair market value of the dwelling. Interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. Consumers should consult their tax advisors for information regarding the deductibility of interest and charges. Additional terms and conditions may apply. Check with your mortgage lender. Interest rates and products are subject to change without notice and may or may not be available at time of loan commitment or lock-in. (February 2023)

NMLS# 411971

Keeping Your Mortgage On Track

While securing a mortgage loan, it is important to “freeze frame” your ! nancial situation as much as possible. From application submission through closing day, keep these best practices in mind: Best Practices: A Few Do’s and Don’ts

Don’t: • Make a major purchase (car, land, recreational vehicle, etc.). If you lease a vehicle, don’t trade up to a bigger lease. • Apply for new credit of any kind, including a store credit card or student loan. • Make any large credit purchases—even for items needed or desired for your new home, such as appliances and furniture. • Change employment. If it is unavoidable, make sure you talk to your mortgage loan o ! cer. Employment changes that involve a change in " eld or where your income will be reduced or become commission-based may cause a red # ag. • Deposit funds into your bank account that are not easily documented. If you are receiving funds as a gift, you will likely be required to provide a signed letter from the per son providing the gift in addition to other documentation. • Transfer money between your bank accounts. The goal is for your " nancial picture to remain as consistent as possible. • Get behind on bills. One 30-day late payment on a credit card can cost up to 110 points on your credit score. • Change banks or bank accounts. • Consolidate debt. • Borrow money, even from non-bank sources, such as a family member or friend. • Co-sign a loan for another borrower. • Close credit card accounts or increase/decrease credit lines. Virtually any change to credit lines, even those that you perceive to be positive, can have a negative impact on your credit score.

Do: • Make your existing mortgage or rent payment on time and in full. • Keep all accounts current. Pay your bills and commitments on time, including child support, car loans, student loans, credit/store cards, utilities, phone service and cable. • Use credit cards as you normally would. If you rarely use credit cards, maintain a low activity level. If you typically use credit cards for daily/weekly expenses, keep the same pattern of usage. • Talk to your mortgage loan o ! cer if you are considering any decisions that will impact your " nancial picture—no matter how large or small. What may seem like a minor decision, could have big implications.

Sean Nock Senior Vice President Community Mortgage Manager Southeast Raleigh NMLS#659112 919.645.2756 (0) • 919.614.9178 (M) SNock@NorthStateBank.com

Application to Closing: What to Expect

The secret to simplifying the mortgage process is choosing the right lender and knowing what to expect. At North State Bank, we underwrite, process, close and fund loans under one roof with people who work together every day. Here’s what you can expect when you work with us:

Getting Started Prequalifying for a mortgage is your " rst step. Schedule a time to talk to or meet with your North State Bank mortgage loan o ! cer. Your loan o ! cer will collect the information needed for your loan application. A review of your credit and income history will allow our mortgage team to determine the mortgage amount you are pre-quali " ed to borrow. It’s time to look for your new home! Your Offer is Accepted! Congratulations! You found a home, made an o ff er and it was accepted. Now, your mortgage loan o ! cer will provide and review with you a number of loan disclosures, including a loan estimate, for your review and signature. The loan o ! cer will request documents that tell your " nancial story in more detail and will begin to prepare your " le for underwriting review. Some of the documents we request are recent pay stubs and W-2s, bank statements, as well as employment history for each person applying for the mortgage. Appraisal Once your application is complete and all documents are in hand, an appraisal will be ordered. The appraiser will provide an estimated value based on the home’s physical inspection and comparable prices paid for homes in your area (aka comps).

Processing, Underwriting and Conditions Processing is essentially dotting all the “i’s” and crossing all the “t’s.” Following processing, the loan moves to underwriting. Underwriting is mortgage lingo for the time and process of analyzing the loan and verifying the information provided as part of the application. During this step your loan can be o ! cially approved. If any conditions are noted as part of your approval, you’ll work with the lender to resolve them. Closing! It’s the big day! Closing day is a tag team e ff ort between the buyers, the sellers, the closing attorney and the mortgage loan o ! cer. The attorney and the lender will prepare the paperwork and legal documents and the buyers and sellers may bring funds for closing, all of which will be known well in advance.

Welcome home!

2/2024

Financed By

April Cote 919.262.6826

NMLS# 641077

With a Single-Close Mortgage + Renovation Cost Loan from North State Bank Make A Great House The Perfect Home! CHOICEReno eXPress Mortgage • The total cost of fi nanced renovations may be up to 10% of the lesser of the: ▪ Sum of the purchase price of the property, plus estimated cost of renovations; or ▪ “As completed,” value of the property, as determined by the appraiser. • Work must be completed within 180 days of closing. Are there renovations you want to make to a home you are considering purchasing or one you already own? Either way, there’s a great renovation loan available from North State Bank.

The CHOICEReno eXPress SM Mortgage features the following: • Includes the cost of renovation in your fi xed interest rate home purchase or re fi nance. • O ff ers the convenience of one simple, single-close mortgage. • Allows you to lock in your interest rate for up to 60 days for purchase or re fi nance plus renovation at application. • Can be used for primary residences, second homes, and investment properties.* • Allows up to 95% fi nancing for primary residences.

Sean Nock Vice President Community Mortgage Manager Southeast Raleigh 919.645.2756 (O) 919.614.9178 (M) SNock@NorthStateBank.com NMLS# 659112

Make your home just “perfect” for you.

*CHOICEReno eXPress mortgages are subject to credit approval. You must apply and qualify. Information is subject to change without prior notice and products may or may not be available at time of application. Talk to your North State Bank mortgage loan o ffi cer. June 2023.

Own or Rent?

Rent Enjoy: Shorter-term commitment. Easier and less expensive move or relocation, if necessary. No- to low-maintenance costs. Less expensive insurance. And consider: You are not building equity. There is no tax bene fi t. Rent can, and usually does, increase, so your cost of housing is not stable. Pet ownership is often more expensive or di ffi cult.

The answer is not one-size- fi ts-all. Both renting and owning have advantages and disadvantages, and the only real “answer” is to carefully consider what is best for you. The following gives you a few things to think about as you look at your situation.

Own Take advantage of: Increased equity with each payment. Annual tax break based on the interest paid. Stable cost of housing, with a fi xed interest rate mortgage. Ability to customize your home as you like. And remember: It’s a longer-term commitment. Your home can lose value.

Maintenance costs are “on you.” You’ll pay taxes and insurance.

Paul Suber Assistant Vice President Mortgage Loan O ffi cer West Raleigh 919.645.6780 (O) • 919.593.5599 (M) PSuber@NorthStateBank.com NMLS# 90499

The content of this fl yer is provided for information only and does not constitute a commitment by North State Bank to extend credit. All loans are subject to credit approval. You must apply and qualify. Information is subject to change without notice. Consult your tax advisor for information regarding the deductibility of interest and charges. November 2022.

SELLER-PAID TEMPORARY RATE BUYDOWN

A SPECIAL OFFER

Enjoy lower monthly payments during the fi rst years of ownership. North State Bank o ff ers 2/1 and 1/0 interest-rate buydowns on Conventional, FHA, USDA, and VA loans for primary home purchases.

HOW IT WORKS:

1/0 BUYDOWN ▪ Year 1 – interest rate is reduced by 1% ▪ Year 2 and beyond – payment is calculated based on the note rate for the mortgage, and the buydown period is over. 2/1 BUYDOWN ▪ Year 1 – interest rate is reduced by 2% ▪ Year 2 – interest rate is reduced by 1% ▪ Year 3 and beyond – payment is calculate based on the note rate for the mortgage, and the buydown period is over.

Thomas Eller Senior Vice President Chief Mortgage Sales O ffi cer NMLS# 117117 North Raleigh TEller@NorthStateBank.com 919.880.6713

Mortgage Loans are subject to credit approval. Special o ff er is available only on new mortgage loans for a primary residence with a fi xed interest rate. The 2-1 buydown and the 1-0 buydown must be re fl ected in the sales contract’s additional terms stating seller will pay the cost. A Buydown Agreement must be signed by the borrower, seller, and lender. Additional terms and conditions may apply. Check with your mortgage lender for more information. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. (April 2025)

NMLS# 411971

$1800/MO I F Y O U R R E N T I S C O M P A R E T O :

Purchase Price Mortgage Loan Amount/ 95% Financing 30-Year Fixed Interest Rate* Annual Percentage Rate Principal & Interest/Mo./ 360-Month Term Principal & Interest Payment does not include taxes and insurance. HOA Dues/Mo. Property Taxes/Mo. Homeowners Insurance/Mo. Private Mortgage Insurance/Mo.

$300,000 $285,000 5.75% 6.06% $1,655.25

$125.00 $250.00 $60.00 $85.50

Information is for illustrative purposes only and does not constitute a loan. Taxes, insurance, private mortgage insurance, and HOA fees are estimates. Actual payment obligation could be greater. No discount points involved on these loans. Interest rates assume 740+ credit score and are subject to change. Loans are subject to credit approval.

*Assuming good credit rating and qualifying debt-to-income ratio

$2400/MO I F Y O U R R E N T I S C O M P A R E T O : Purchase Price Mortgage Loan Amount/ 95% Financing 30-Year Fixed Interest Rate* Annual Percentage Rate Principal & Interest/Mo./ 360-Month Term Principal & Interest Payment does not include taxes and insurance. HOA Dues/Mo. Property Taxes/Mo. Homeowners Insurance/Mo. Private Mortgage Insurance/Mo.

$475,000 $451,250 5.75% 6.04% $2,620.81

$125.00 $395.00 $85.00 $131.61

Information is for illustrative purposes only and does not constitute a loan. Taxes, insurance, private mortgage insurance, and HOA fees are estimates. Actual payment obligation could be greater. No discount points involved on these loans. Interest rates assume 740+ credit score and are subject to change. Loans are subject to credit approval.

*Assuming good credit rating and qualifying debt-to-income ratio

North State Bank presents eClosings: Making the Switch

Earn Continuing Education credit while learning the ins and outs of eClosings. At the end of this four-hour course, you’ll know the following about eClosings:

• • • •

Loan requirements

How they differ from a traditional closing

Steps in the process

Best practices for supporting clients

A pioneer in eClosings, North State Bank worked with the State of North Carolina on the eClosing Pilot Program and we provided financing for the first eClosing in the state. Since then, we’ve continued to help lead the way on eClosings.

NMLS# 411971