Corporate Overview

North American Top 10 bank in North America 1 of only 3 banks on NYSE rated Aaa by Moody’s Strong employment brand Leverage platform and brand for growth

Retail Earnings Focus Leader in customer service and convenience Solid, stable base of retail earnings Strong organic growth engine Better return for risk undertaken

Franchise Businesses Repeatable and growing earnings stream Focus on customer-driven businesses Franchise dealer of the future Consistently reinvest in competitive advantages

Risk Discipline Don’t take risks we don’t understand Systematically eliminate tail risk Robust capital and liquidity management Culture and policies aligned with risk philosophy