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Investor Presentaiton

1 Slowing Income Growth Will Constrain Spending Consumer spending is, in large part, driven by nominal income growth and as income growth slows, we would expect personal consumption to decelerate Personal Consumption & Nominal Income Growth | Annualized Trailing 6M Average: 13.0% 12.0% 11.0% 10.0% 9.0% 8.0% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% 5.2% 4.8% Sep-21 Oct-21 Nov-21 Dec-21 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 - Nominal Personal Consumption (PCE) Growth - Aggregate Nominal Income Growth (Private Nonfarm Employees) Source: Bureau of Economic Analysis (Personal Income & Outlays), Bureau of Labor Statistics (Employment Report Establishment Survey) Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23 Jul-23 Aug-23 14
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