Investor Presentaiton

Optimize Balance Sheet for Resilient Funding through Cycles BALANCED FUNDING PROFILE STABLE ASSET MIX $106 $100 Unsecured 11% 11% 9% 7% Secured 12% 17% Average Interest-Earning Assets ($B) $84 85% 83% Loans as % of 82% Interest-Earning Assets 84% Deposits 77% 72% 2016 2019 2022 2016 2019 2022 Cost of Funds 1.8% 2.6% 1.9% synchrony 15

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