Embracing Fintech

Technology Strategy G Co • Build a strong and • Cloud-first strategy scalable platform foundation for automation and speed Investments in Technology $ • Rebalance core technology spending towards modernization Maintain consistent investment in technology Tech expense 12.3% as % of revenue 10.3% 8.3% $3,833 $2,690 $1,444 Tech expense (in $millions) 2011 2016 2021 Common systems Software re-use, best practice-sharing Consistent software design Customer-focused micro-services Analytics on real-time data Strong cyber-security foundation 17

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