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222 N. Main St. Burlington, IA 52601 319.753.9145 May 3, 2023 Dear Shareholder, On February 22, 2023, Two Rivers. | May 8, 2023

Frankj delaneyNedl skinnerDavidl bakerFrank delaneyAndrea gerstSadhnab janiShane zimmermanLee county bankRivers financial group incRivers bank trustTeam membersTwo rivers financial groupFinancial officerTwo rivers bankExecutive leadershipNc stock exchange