Digital Banking Strength and Strategic Funding

Technology Strategy Co $ Build a strong and scalable platform foundation . Cloud-first strategy for automation and speed • Rebalance core technology spending towards modernization Maintain consistent investment in technology Technology Investment Growth Rate (YoY Change) 21% Technology Investment ~11% of revenue ($3.6B) • Common systems • Software re-use, best practice-sharing • Consistent software design . Moderating to 12% 14% steady-state growth 11% rate 9% 7% 2014 2015 2016 2017 2018 2019 • Customer-focused micro-services Analytics on real-time data • Strong cyber-security foundation 18

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