Investor Presentation

Q2/19 Q3/19 Q4/19 36.6% Q2/19 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 MONEY MARKET WHOLESALE FUNDING / TOTAL WHOLESALE FUNDING 38.7% 17.1% Wholesale Funding Utilization Maintaining appropriate reliance on wholesale funding WHOLESALE FUNDING / TOTAL ASSETS 22.9% 20.9% 21.9% WHOLESALE FUNDING UTILIZATION WELL MANAGED Wholesale funding usage returning to pre- pandemic levels driven by asset growth, partially offset by deposit retention Q1/21 27.4% 33.7% Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q1/22 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 • SUITABLE CONCENTRATION OF MONEY MARKET FUNDING Prudent utilization of short-term funding 52 52

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