Investor Presentaiton

10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 AM EX Credit Reserve Macroeconomic Scenarios: Select Variables Ex US Unemployment Rate % US GDP Growth* % 8% Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 0% (2%) (4%) (6%) 2% 4% 6% Q2 Baseline Scenario Q3 Baseline Scenario Q2 Downside Scenario Q3 Downside Scenario Q2 Baseline Scenario Q3 Baseline Scenario ......Q2 Downside Scenario Q3 Downside Scenario Note: Forecast assumptions are from an independent third party and represent the range of forecasts from the macroeconomic scenarios used during the quarter without applying a weight to those scenarios. * Real GDP QoQ % Change Seasonally Adjusted to Annualized Rates (SAAR). Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 23 23

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