Investor Presentaiton

Q3/17 Q4/17 Q1/18 Q3/17 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Wholesale Funding Utilization Declining reliance on wholesale funding, particularly short-term WHOLESALE FUNDING / TOTAL ASSETS 24.2% 23.7% 23.1% 18.9% REDUCTION IN WHOLESALE FUNDING DRIVEN BY SYSTEM LIQUIDITY Ended incremental participation in central bank wholesale funding programs as system liquidity drove deposit growth o Continued access to term senior and capital wholesale funding markets Q2/19 MONEY MARKET WHOLESALE FUNDING / TOTAL WHOLESALE FUNDING 37.4% 35.6% 39.7% Q2/18 Q3/18 Q4/18 Q1/19 Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 29.8% Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 REDUCTION IN MONEY MARKET FUNDING Absorbing central bank system liquidity via lower short term funding balances o Primarily driven by lower certificate of deposits 64

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