2nd Quarter 2021 Investor Presentation

Deposits Composition $ in billions $20.0 1.09% 1.07% $17.5 $15.0 $12.0 $13.5 $12.5 $10.0 $7.5 $5.0 $2.5 $1.3 billion increase $16.1 $17.0 $16.6 $16.2 0.94% $15.6 0.80% $18.2 $18.3 1.10% 1.00% 0.90% 0.80% 0.70% 0.60% 0.50% 0.44% 0.34% 0.40% 0.39% 0.30% 0.24% 0.30% 0.20% $0.0 Q219 Q319 Q419 Q120 Q220 Q320 Q420 Q121 Q221 Noninterest Bearing Interest Bearing Transactions Time Deposits Cost of Deposits Interest Bearing Deposit Repricing " Interest Rates - In March 2020, the Fed reduced the Fed Funds target rate by 150 basis points Interest Bearing Transaction Deposits - Rates were lowered during the latter part of the first quarter of 2020 Time Deposits - Rates were lowered during the latter part of the first quarter of 2020. Based on maturities, we expect there will be a continued lag in the impact to interest expense Effectively managing deposit costs, down 20 bps since Q220 $ 22

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