Investor Presentaiton

Funding Strategy Increasing high-quality deposits to improve funding diversification and drive lower interest expense Key Tenets of our Strategy 1 Further diversify funding mix via deposits 2 Enhance Asset-Liability Management 3 Optimize liquidity pool Funding Costs Legend Current State ―Future State 3 Target State Lowering net interest expense 2 3M 6M 9M 1Y 2Y 3Y 5Y 7Y Tenor 1 10Y 11

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