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Investor Presentaiton

Supplemental Funding Profile Details Funding Mix Deposit Mix 4Q 2023 Preliminary Results Unsecured 8% 7% 6% 6% 6% 5% 4% FHLB/Other 5% 5% 9% 10% 10% 8% 8% 1% 11% 6% 3% 1% 1% Brokered / Other Secured 20% 25% 27% 28% 29% Retail CD 89% 88% 88% 85% Deposits 75% 71% 65% 63% 64% 63% MMA/OSA/ Spend 4Q 19 4Q 20 4Q 21 4Q 22 4Q 23 Note: Totals may not foot due to rounding. Unsecured Long-Term Debt Maturities(1) ($ billions) 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 Note: Other includes sweep deposits, mortgage escrow and other deposits. Totals may not foot due to rounding. Wholesale Funding Issuance ($ billions) Maturity Date Weighted Avg. Coupon Principal Amount Outstanding (2) $13.3 2024 4.48% $7.9 $ 1.45 2025 2026+(3) $7.3 $6.5 $5.8 5.52% $ 2.30 $4.2 $4.1 6.56% $ 6.84 $7.3 $2.8 $3.0 $4.9 $6.5 $5.4 $2.4 $3.5 $0.9 Term ABS $0.8 $2.8 $1.7 $2.1 $0.9 $0.8 $0.8 Term Unsecured 2015 2016 2017 2018 2019 2020 2021 2022 2023 (1) Excludes retail notes and perpetual preferred equity; as of 12/31/2023. (2) Reflects notional value of outstanding bond. Excludes total GAAP OID and capitalized transaction costs. (3) Weighted average coupon based on notional value and corresponding coupon for all unsecured bonds as of January 1st of the respective year. Does not reflect weighted average interest expense for the respective year. Note: Term ABS shown includes funding amounts (notes sold) at new issue and does not include private offerings. Excludes $2.35 billion of preferred equity issued in 2021. Totals may not foot due to rounding. ally do it right. 31
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