Investor Presentaiton

Funding and Deposits Funding Mix ($ in billions) $172 1% $173 1% Short-term Funding ($ in billions) Retail Deposit Program $122 $124 92% FDIC insured at Q3'23 71% 72% Deposits 74% 77% Direct Deposits** *** Third Party 9% 8% Card ABS* CDs 12% 11% 19% 20% Unsecured Term* Third Party ** 13% 12% Sweep Q2'23 Q3'23 Q2'23 Q3'23 Note: % of total may not foot due to rounding. * Reflects face amount of Card ABS, net of securities retained by the Company. Includes outstanding ABS secured borrowing facility draws. ** Reflects face amount of unsecured term debt; the long-term debt balance on the Company's consolidated balance sheet includes capitalized leases and certain adjustments that are not included in these balances. ***Consists of $89.9B from savings and transaction accounts and $4.9B from direct CDs as of September 30, 2023. AM EX 24

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