Grow & Scale - Improving Sales Effectiveness

Risk | Continue to enhance focus on balanced risk-return HISTORICAL FOCUS ON VOLUME • Heavy reliance on monoline indirect relationships driving revenue at lower margins STRATEGIC METRICS • Focus on driving volume through secured lending products • • Foundational investments in AML and Compliance capabilities GO-FORWARD FOCUS ON BALANCED RISK-RETURN Driving growth in higher risk-adjusted margin portfolios • Focus on capturing client primacy driving higher margin and deposit growth • Continued focus on investments in AML/Compliance, with new investments in collections, data, fraud, and cyber prevention Note: For footnoted information refer to slides 39 to 43 2.4% risk-adjusted margin¹ ~40 bps increase over F23 12

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