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COVID-19 RESPONSE

Message from Gilles Gade, Chairman and Chief Executive Officer

Dear Friends,

We hope this note finds you well and healthy. These are trying times for all of us and we continue to monitor ongoing coronavirus (COVID‐19) developments. Our top priority remains the health, safety and well‐being of our employees, customers, partners and the community at large.

Cross River has implemented a full “work from home” policy and at this stage we are 100% operational. Thanks to the resilience and devotion of our staff, partners and clients, we have not experienced any slowdown in activity.

We are reaching out today to express our unfettered commitment to our clients and friends to assist in weathering these difficult times. All our system support functions remain fully operational and we are in constant contact with all our partners to understand any potential disruption or impact on their businesses.

Most importantly, as a community partner, we are here to help. We encourage you to contact us to discuss how we might be of any assistance.

Thanks for your continued trust, partnership and support.

Sincerely,

Gilles Gade