2022 Performance and Synergy Realization

⑪I ttb's ecosystem play: guiding principles A. Start with customers' unmet needs / pain points Not technologies-driven B. Focus on our core competencies, our strengths, what we know well thru development of new businesses or new way of doing existing business C. Ride on the bank's economy of scale and large customer base as starting position D. Inside-out approach through collaboration between existing product teams and new digital capabilities through ttb Spark Not unfamiliar domain away from home turf Not building a greenfield platform from scratch Not outside-in through group of independent subsidiaries tub 16

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