Cost Savings and Strategic Growth

International Businesses Earnings Expansion with Stable Margins Earnings ($ billions) Pre-tax AOI $2.9 2017 3.7% CAGR Note: See Appendix for earnings by business. $3.4 • 2021 Expanding access to investing, insurance, and retirement security Growth opportunities from: . Continuing market leadership in Japan Expanding our presence in emerging markets 888 28

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