Investor Presentaiton

Credit Cards Portfolio Highlights: Balances have been gradually increasing due to higher originations and increased usage post pandemic Delinquency and NCOs have been gradually increasing in recent quarters, reaching pre- pandemic levels in Q3 2023 The FICO mix of originations has remained robust, with weighted-average FICO scores of approximately 750 FICO Mix of Originations (% of Approved Amount) Delinquency ($ in millions) Avg. 2011-2019 3.74% 9/30/2023 3.44% $1,124 $1,077 3.4% $1,042 $1,046 $1,057 $967 $989 3.4% 1 $920 $916 $887 2.8% I 2.4% 2.3% 2.2% 2.0% 1.9% 1.9% 1.9% $39 $16 $18 $19 $19 $22 $24 $25 $30 $37 T T Q419 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 754 750 748 748 750 754 753 749 750 2% 3% 100% 4% 5% 4% 2% 3% 2% 700 3% 2% 2% 1% 2% 2% 2% 3% 3% 600 80% 38% 42% 45% 41% 44% 44% 43% 45% 45% 3.21% 500 60% 400 Portfolio 30+ DPD 30+ DPD/Portfolio NCOs and NCO-to-Loan Ratio ($ in millions) Avg. 2011-2019 3.67% YTD 2.71% 3.21% 300 40% $8 $9 57% 53% 51% 49% 51% 55% 200 53% 49% 50% $6 $7 20% $5 100 $4 $4 $3 $3 $3 90 0% 0 Q419 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q1 23 Q2 23 Q3 23 2015 2016 2017 2018 2019 2020 2021 2022 2023 Sep YTD 750+ 650-749 <650 No FICO WA FICO Credit Cards NCOs -NCO % 21 Differences due to rounding

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