Investor Presentaiton

* Financial Highlights NII RETURN ON AVERAGE EQUITY (ROAE) AND NII RETURN ON AVERAGE ASSETS (ROAA) 18.0% 16.0% 16.6% 14.8% 14.0% 14.9% 13.6% 12.1% 11.9% 12.0% 10.2% 8.9% 10.0% 8.0% 10.3% 8.0% 6.0% 8.3% 4.0% 9.7% 9.0% 9.4% 8.6% 5.7% 6.0% 5.2% 2.0% 0.0% Q1-17 Q2-17 Q3-17 Q4-17 Q1-18 Q2-18 Q3-18 Q4-18 Q1-19 ROAE (NII/Average Equity) ROAA (NII/Average Assets) LEVERAGE RATIO 0.73X 0.80 0.68X 0.65X 0.70 0.60X 0.60 0.52X 0.47X 0.50 0.40 0.30 0.20 0.10 0.46X 0.29X 0.22X Q1-17 Q2-17* Q3-17 Q4-17 Q1-18 Leverage Ratio at period end Q2-18 Q3-18 Q4-18 Q1-19 Adjusted for paydowns after quarter end: 0.25X 28 28

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