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Investor Presentaiton

Condition of U.S. Economy Labor market: Seasonally adjusted unemployment, January 2021 = 10.1 million (6.3% unemployment rate) Seasonally adjusted unemployment, November 2021 = 6.8 million (4.2% unemployment rate) - - Labor market participation rate January 2021 = 61.4% Labor market participation rate December 2021 = 61.9% - Participation rate well below pre-pandemic peak Real GDP increase of 2.3% at an annual rate in the third quarter of 2021, following an increase of 6.7% annual rate in the second quarter Resurgence of COVID-19 cases resulted in new restrictions and delays in some parts of the country Government assistance payments from forgivable loans to businesses, grants to states and local governments, and social benefits all decreased in the third quarter 3
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