Q4 2020 Investor Presentation

Liquidity " Approximately $3.5 billion in Cash and Cash Equivalents as of 12/31/20 Intentionally increased cash position in Q1 In Q1, sold investment securities when the 10YR TSY was near historic lows Approximately $900 million increase in deposits since 12/31/19 Over $5 billion available in secondary borrowing sources of liquidity as of quarter end Substantial access to brokered deposits Loan/Deposit Ratio of 76% as of 12/31/20 (71% excluding PPP loans (1)) Cash and Cash Equivalents (In millions) Loans/Deposits $4,000 $3,500 $3,000 $2,545 $2,522 $2,500 $2,000 $1,737 100% 98% 97% 97% $3,472 95% 90% 85% 92% 90% 88% 86% $1,500 $997 80% $1,000 76% $655 $491 $530 75% $500 $0 70% Q119 Q219 Q319 Q419 Q120 Q220 Q320 Q420 Q119 Q219 Q319 Q419 Q120 Q220 Q320 Q420 F (1) Figures excluding PPP loans are non-GAAP measurements. See Appendix for non-GAAP reconciliations. 16

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