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Investor Presentaiton

3 Consumer Credit Quality is Normalizing Delinquency rates for all consumer loans, and in particular, credit cards, have normalized to their pre-pandemic levels 30-Day Delinquency Rates | All Consumer Loans and Credit Cards: 3.0% 2.5% 2.0% 1.5% 2.8% 2.4% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 2018 2019 2019 2019 2019 2020 2020 2020 2020 2021 2021 2021 2021 2022 2022 2022 2022 2023 2023 30-Day Delinquency Rates - All Consumer Loans 30-Day Delinquency Rates - Credit Cards 1.0% Q4 Source: Federal Reserve 17 11

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