In August 2020, we entered into a credit agreement with Manufacturers and Traders Trust Company (“M&T”) that related to a $20.0 million unsecured demand line of credit. The line of credit has no expiration date, no annual fees and no covenants. At June 30, 2026, we had no outstanding borrowings from M&T and had the ability to borrow up to $20.0 million at an interest rate equal to the then-current Term SOFR rate plus 2.11%.

Atlantic States is a member of the FHLB of Pittsburgh. Through its membership, Atlantic States has the ability to issue debt to the FHLB of Pittsburgh in exchange for cash advances. Atlantic States has a fixed-rate cash advance of $35.0 million that was outstanding at June 30, 2026. The cash advance carries a fixed interest rate of 3.806% and is due in September 2026. The table below presents the amount of FHLB of Pittsburgh stock Atlantic States purchased, which is presented within equity securities on the Consolidated Balance Sheets, collateral pledged and assets related to Atlantic States’ membership in the FHLB of Pittsburgh at June 30, 2026.

FHLB of Pittsburgh stock purchased and owned	$	1,714,500
Fixed maturity securities pledged, at par (carrying value $39,262,876)		41,228,368
Borrowing capacity currently available		2,143,990