Investor Presentaiton

SHUSA Capital Ratios vs. Peer Group ■ SHUSA ratios remain near the top of their peer group in risk-based ratios 20% 18% Peer Group Median = 10.03% 16% 14% 12% 10% 8% 6% KEY Common Equity Tier 1 FITB HBAN ALLY RF Total Capital CFG MTB COF 24% Peer Group Median = 13.09% 22% 20% 18% 16% 14% 12% 10% ALLY RF Santander Source: S&P Capital IQ Pro FITB KEY CFG HBAN MTB I 22% 20% 18% 16% 13.21% 14% 12% 10% 8% SYF SHUSA DFS 16% 14% 12% 15.94% 10% SYF COF SHUSA DFS 8% 6% 6% Peer Group Median = 11.12% FITB KEY HBAN Peer Group Median = 9.23% FITB HBAN KEY ALLY Tier 1 Capital Ratio RF CFG Tier 1 Leverage Ratio MTB SYF COF SHUSA ALLY RF MTB 10.20% CFG SHUSA I COF SYF DFS 22 22 13.90% DFS

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