# EDGAR Filing Document

**Accession Number:** 0000035527
**File Stem:** 0000035527-26-000132
**Filing Date:** 2026-3
**Character Count:** 21291
**Document Hash:** 1a84f25d0d5e310a9f2049ac87c28c42
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000035527-26-000132.hdr.sgml**: 20260311

**ACCESSION NUMBER**: 0000035527-26-000132

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 30

**CONFORMED PERIOD OF REPORT**: 20260311

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260311

**DATE AS OF CHANGE**: 20260311

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FIFTH THIRD BANCORP
- **CENTRAL INDEX KEY:** 0000035527
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 310854434
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-33653
- **FILM NUMBER:** 26741574

**BUSINESS ADDRESS:**
- **STREET 1:** 38 FOUNTAIN SQ PLZ
- **STREET 2:** FIFTH THIRD CENTER
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45263
- **BUSINESS PHONE:** 5135795300

**MAIL ADDRESS:**
- **STREET 1:** 38 FOUNTAIN SQ PLZ
- **STREET 2:** FIFTH THIRD CENTER
- **CITY:** CINCINNATI
- **STATE:** OH
- **ZIP:** 45263

?xml version='1.0' encoding='ASCII'? fitb-20260311

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, DC 20549**

**FORM 8-K** 

**CURRENT REPORT**

**PURSUANT TO SECTION 13 OR 15(D)**

**OF THE SECURITIES EXCHANGE ACT OF 1934**

**Date of report (Date of earliest event reported): March 11, 2026**

![Fifth Third Logo - 6.10.24.jpg](fitb-20260311_g1.jpg)

**Fifth Third Bancorp**

**(Exact name of registrant as specified in its charter)**

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| | | |
|:---|:---|:---|
| **Ohio** | **001-33653** | **31-0854434** |
| **(State or other jurisdiction<br>of incorporation)** | **(Commission<br>File Number)** | **(IRS Employer<br>Identification No.)** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Fifth Third Center** | **Fifth Third Center** | **Fifth Third Center** | **Fifth Third Center** | **Fifth Third Center** | |
| **38 Fountain Square Plaza** | **,** | **Cincinnati** | **,** | **Ohio** | **45263** |
| **(Address of Principal Executive Offices)** | **(Address of Principal Executive Offices)** | **(Address of Principal Executive Offices)** | **(Address of Principal Executive Offices)** | **(Address of Principal Executive Offices)** | **(Zip Code)** |

---

**(800) 972-3030** 

**(Registrant's telephone number, including area code)**

**Not Applicable**

**(Former name or former address, if changed since last report)**

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below)

&nbsp;&nbsp;&nbsp;&nbsp;☐&nbsp;&nbsp;&nbsp;&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

&nbsp;&nbsp;&nbsp;&nbsp;☐&nbsp;&nbsp;&nbsp;&nbsp;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

&nbsp;&nbsp;&nbsp;&nbsp;☐&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

&nbsp;&nbsp;&nbsp;&nbsp;☐&nbsp;&nbsp;&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

---

| | | | | |
|:---|:---|:---|:---|:---|
| Securities registered pursuant to Section 12(b) of the Act: | Securities registered pursuant to Section 12(b) of the Act: | Securities registered pursuant to Section 12(b) of the Act: | Securities registered pursuant to Section 12(b) of the Act: | Securities registered pursuant to Section 12(b) of the Act: |
| **Title of each class** | **Trading<br>Symbol(s)** | **Name of each exchange<br>on which registered** | **Name of each exchange<br>on which registered** | **Name of each exchange<br>on which registered** |
| **Common Stock, Without Par Value** | **FITB** | **The** | **NASDAQ** | **Stock Market LLC** |
| **Depositary Shares Representing a 1/1000th Ownership Interest in a Share of** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; **6.625% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series I** | **FITBI** | **The** | **NASDAQ** | **Stock Market LLC** |
| **Depositary Shares Representing a 1/40th Ownership Interest in a Share of** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A** | **FITBP** | **The** | **NASDAQ** | **Stock Market LLC** |
| **Depositary Shares Representing a 1/1000th Ownership Interest in a Share of** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**4.95% Non-Cumulative Perpetual Preferred Stock, Series K** | **FITBO** | **The** | **NASDAQ** | **Stock Market LLC** |
| **Depositary Shares Representing a 1/40th Ownership Interest in a Share of** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M** | **FITBM** | **The** | **NASDAQ** | **Stock Market LLC** |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company&nbsp;&nbsp;&nbsp;&nbsp;☐&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**Item 7.01 Regulation FD Disclosure** 

On March 11, 2026, Fifth Third Bancorp will present at the RBC Capital Markets Financial Institutions Conference. A copy of this presentation is attached as Exhibit 99.1.

The information in this Form 8-K and Exhibits attached hereto shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall they be deemed incorporated by reference in any filing under the Securities Exchange Act of 1934 or the Securities Act of 1933, except as shall be expressly set forth by specific reference.

**Item 9.01 Financial Statements and Exhibits**

<u>[Exhibit 99.1](a2026rbcconference-final.htm)</u> – Fifth Third Bancorp Presentation

Exhibit 104 – Cover Page Interactive Data File (embedded within the Inline XBRL document)

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | |
|:---|:---|
| | **FIFTH THIRD BANCORP** |
| | (Registrant) |
| Date: March 11, 2026 | /s/ Bryan D. Preston |
| | Bryan D. Preston |
| | Executive Vice President and<br>Chief Financial Officer |

---

## Exhibit 99.1

![](a2026rbcconference-final001.jpg)© Fifth Third Bancorp \| All Rights Reserved RBC Capital Markets Financial Institutions Conference March 11, 2026

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![](a2026rbcconference-final002.jpg)

2© Fifth Third Bancorp \| All Rights Reserved Southwest footprint Top performing regional bank with local scale and national reach Assets $294 billion Ranked 9th in the U.S.1 Deposits $237 billion Ranked 9th in the U.S.1 U.S. branches 1,482 Ranked 7th in the U.S.1 Note: Assets, loans, deposits, and branches proforma as of 12/31/25; 1Rankings as of 12/31/25 and consist of US commercial banks and exclude foreign, trust, & traditional investment banks; 2Includes MSAs with $10BN+ in deposits on a capped basis (deposits per branch capped at $250MM per June 2025 FDIC data) Midwest footprint FITB markets2 with a top 5 deposit share Southwest MSAs with top 12 location share Southeast footprint Loans $173 billion Ranked 9th in the U.S.1 Fifth Third headquarters Cincinnati, Ohio Key MSAs of focus Toronto office London office

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![](a2026rbcconference-final003.jpg)

3© Fifth Third Bancorp \| All Rights Reserved NII contribution1 43% 53% 4% 51% 32% 17%Fee contribution1 A simple, diversified business portfolio • Texas Commercial Banking Loans $55B Deposits $117B Loans $10B Deposits $14B Loans $111B Deposits $99B Consumer & Small Business Banking Wealth & Asset Management Lending / Deposits / Capital Markets / Treasury Management & Payments Lending / Deposits / Payments Wealth Management / Trust / Custody NII contribution1 Fee contribution1 NII contribution1 Fee contribution1 Business Offerings Business Offerings Business Offerings Note: "World's Most Ethical Companies" and "Ethisphere" names and marks are registered trademarks of Ethisphere LLC."; #1 for Retail Banking Customer Satisfaction in Florida and the Best Mobile Banking App for Customer Satisfaction among Regional Banks. Tied in 2025. For J.D. Power 2025 award information, visit jdpower.com/awards. J.D. Power 2025 U.S. Banking Mobile App Satisfaction Study; among banks with $65B to $250B in deposits. Visit jdpower.com/awards for more details. 1Source: FITB filings and management and CMA filings proforma as of December 31, 2025, presented as a percent of 4Q25 segment revenue, which excludes Other Corporate

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![](a2026rbcconference-final004.jpg)

4© Fifth Third Bancorp \| All Rights Reserved Disciplined execution guided by core principles Stability Profitability Growth ✓ Resilient balance sheet ✓ Strong credit profile ✓ Branch-originated insured deposits and operational deposits tied to payments services ✓ NII growth and NIM expansion ✓ Diverse fee mix with high total revenue contribution ✓ Expense discipline ✓ Southeast and Texas demographics ✓ Modular, repeatable investments ✓ Tech-enabled product innovation #2 #3#1 Delivering on our commitment to be transparent and disciplined for our shareholders

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![](a2026rbcconference-final005.jpg)

5© Fifth Third Bancorp \| All Rights Reserved 1 Peer 1 65% Peer 2 68% FITB 136% Peer 7 429% 2 Peer 5 55% Peer 1 68% Peer 7 126% FITB 359% 3 FITB 54% FITB 65% Peer 1 121% Peer 1 354% 4 Peer 6 52% Peer 5 64% Peer 6 117% Peer 6 262% 5 Peer 7 37% Peer 7 60% Peer 2 99% Peer 10 255% 6 Peer 4 33% Peer 6 47% Peer 4 64% Peer 4 194% 7 Peer 9 32% Peer 3 33% Peer 3 61% Peer 3 190% 8 Peer 10 27% Peer 9 32% Peer 5 57% Peer 5 179% 9 Peer 3 26% Peer 4 26% Peer 10 42% Peer 2 177% 10 Peer 8 24% Peer 10 24% Peer 9 41% Peer 8 130% 11 Peer 2 7% Peer 8 6% Peer 8 32% Peer 9 103% 3 Year 5 Year 7 Year 10 Year Delivering shareholder outperformance Total shareholder return Source: S&P Capital IQ, Bloomberg Finance L.P. Note: Trailing TSR as of 2/28/2026 Producing top quartile total shareholder returns consistently

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![](a2026rbcconference-final006.jpg)

6© Fifth Third Bancorp \| All Rights Reserved Middle Market banking powerhouse positioned to grow 283 353 626 2021 2025 Salesforce additions drive growth1 Middle market salesforce $18 $23 $37 2021 2025 Middle market loans ($B) Deep, relationship driven Middle Market platform serving diverse industries across the country Leading payments products in core treasury management and an industry leader in embedded payments Broad capital markets capabilities, including customer derivatives, syndications, debt and capital markets, and M&A Relationship focused with industry leading product capabilities 4Q25 Quarterly Weighted Average Loans x Trillionaire ~15x Total assets x Trillionaire ~2x Total middle market lending 6% CAGR 6% CAGR As of 4Q25 As of 4Q25 Relative asset size does not reflect middle market scale2 Source: company filings and management reporting as of December 31, 2025; 12021 Middle market salesforce and loans presented as standalone Fifth Third; 2Total assets and middle market lending presented as proforma Fifth Third and Comerica as of December 31, 2025 Fifth ThirdComerica

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![](a2026rbcconference-final007.jpg)

7© Fifth Third Bancorp \| All Rights Reserved Accelerating our decade-long network expansion1 Branch distribution by region2 Source: S&P Capital IQ; 1See forward-looking statements on page 15 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-29 of the 4Q25 earnings release; 2Represents % of total branches by geographic region and includes 150 planned de novo builds in Texas; 3Population growth represented as 5-year projected growth rate (2026-2031 not annualized) per S&P Capital IQ. Overall growth rate calculated as population growth rate weighted by branch distribution (based on Fifth Third and Comerica's proforma branch counts) by region; 4MSAs with populations greater than 500,000 ranked by percent population growth (2020-2024) per US Census Bureau. By 2030, 50+% of Fifth Third's footprint will be in the best markets in the U.S., including 17 of the 20 fastest growing large U.S. metros4 76% 24% 1,154 branches 2017 2025 2028 (Pre-CMA) 2030E 67% 33% 1,130 branches ~50%~50% ~1,250 branches ~45% ~35% ~20% ~1,750 branches Midwest footprint Southeast footprint Southwest footprint P o p u la ti o n g ro w th 3 2.5% 3.1% 3.8% 4.1%

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![](a2026rbcconference-final008.jpg)

8© Fifth Third Bancorp \| All Rights Reserved Southeast de novo expansion leading to strong deposit growth and profitability The southeast's share of total retail deposits continues to grow as the de novo network matures Percentage of total retail deposits Southeast investments driving strong granular retail deposit growth at attractive rates Disciplined deposit pricing 4Q25 southeast total cost of retail deposits 84% 82% 77% 16% 18% 23% $0 $20 $40 $60 $80 $100 2019 2022 2025 Midwest Southeast 1.98% 4.02% x Avg. FF Rate 48 296 149 Peer Median Trillionaire Median x National Among leaders in de novos built nationally and in footprint 10 96 149 Peer Median Trillionaire Median x Total retail footprint2 Source: S&P Capital IQ, internal management reporting; Note: Branch data as of September 22, 2025, Management reporting reflects data as of December 31, 2025; 12025 FDIC data capped at $250MM and filtered for de novos opened since 2018. Not all de novos have been open for 5 years; 2Retail footprint includes MSAs and counties that Fifth Third has active branches in as of September 22, 2025 De novos built since 2018 Rank 4th Rank 2nd $0 $10 $20 $30 $40 $50 Year 1 Year 2 Year 3 Year 4 Year 5 Fifth Third Peer Avg Average de novo deposits per branch by year1 $ in millions Outsized retail growth across our footprint relative to competitors 5-Year deposit CAGR1 0.5% 1.8% 5.5% Other competitors Trillionaires x Total Retail Footprint2 1.0% 2.1% 12.1% Other competitors Trillionaires x Southeast Retail Footprint2

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![](a2026rbcconference-final009.jpg)

9© Fifth Third Bancorp \| All Rights Reserved 26 43 89 137 100 93 305 215 150 7 8 11 26 126 42 136 52 394 502 Peer 5 Peer 4 Peer 10 Peer 1 Peer 7 Peer 9 Peer 8 Peer 3 Peer 6 \* Peer-leading deposit growth opportunity # of branches aged less than 5 years at year end 20301 Source: S&P Global Market Intelligence and FDIC as of June 30, 2025. Notes: Deposits capped at $1bn per branch. 1See forward-looking statements starting on page 15 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-29 of the 4Q25 earnings release; 2Reflects percentage of total branches less than 5 years old at YE2030 as a percentage of total branches; 3Assumes de novo branches achieve peer average of $35MM deposits by year 5; 4Embedded opportunity as a percentage of June 2025 capped deposits. % <5yrs at YE2030E2 25% 11% 0% 8% 0% 5% 0% 0% 0% 0% SE De Novo TX De Novo L5Y Builds (June 2025) Announced De Novo Programs $0.2 $0.3 $0.4 $0.9 $4.4 $1.5 $4.8 $1.8 $13.8 $25.1 Peer 5 Peer 4 Peer 10 Peer 1 Peer 7 Peer 9 Peer 8 Peer 3 Peer 6 \* Total deposit opportunity for branches aged less than 5 years3 Deposit Growth %4 18.7% 4.5% 0.7% 3.9% 1.2% 1.7% 0.7% 0.7% 0.3% 0.2% Given FITB's peer-leading track record ($50MM de novo deposits per branch vs. $35MM peer avg.), its ~350 young branches should deliver deposit growth above peers Peer average ($35MM) Fifth Third branches ($50MM) $ billions

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![](a2026rbcconference-final010.jpg)

10© Fifth Third Bancorp \| All Rights Reserved 22% 25% 30% 32% 34% 34% 41% 44% 44% 46% 48% 49% 55% Peer 5 Peer 9 Peer 10 Peer 8 Peer 3 Peer 2 Peer 4 Peer 11 xx Peer 6 Peer 1 x Peer 7 Smaller proportion of low relationship value consumer deposits than most peers High-quality consumer deposit franchise Core Consumer Deposits % of Total Deposit1 1Data sourced from Call Report as of 12/31/2025; Includes: nonInt bearing deposits for individuals, int bearing deposits for individuals, MMDAs for individuals, other savings deposits for individuals, and retail time deposits, and excludes: brokered deposits <=$250K, fully insured and not fully insured non-affiliate retail sweep deposits, 2 Data sourced from Call Report as of 12/31/2025; includes: brokered deposits <=$250K, preferred deposits, reciprocal deposits, fully insured non-affiliate sweep deposits and retail sweep deposits, and not fully insured non-affiliate sweep deposits and retail sweep deposits 30% 28% 28% 27% 23% 22% 21% 15% 12% 8% 8% 6% 5% Peer 2 Peer 10 Peer 8 Peer 9 Peer 3 Peer 5 Peer 11 Peer 1 Peer 4 Peer 7 xx x Peer 6 Low Relationship-Value Deposits2 + +

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![](a2026rbcconference-final011.jpg)

11© Fifth Third Bancorp \| All Rights Reserved Final StepsUpcoming Comerica integration timeline1 Completed October 6, 2025 Announced acquisition of Comerica 4Q25 Finalized organizational design February 1, 2026 Legal close of transaction 2Q26-3Q26 3 conversion mocks to test system readiness Conversion of complex payments customers September 8, 2026 Expected conversion of branches and systems Thoughtful and meticulous planning to ensure seamless conversion of customers and systems On going 1See forward-looking statements on page 15 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-29 of the 4Q25 earnings release 1Q26 Executed swap dealer conversion 1Q26 Conduct Comerica consumer direct mail campaign Mock 1: early 2Q26 Mock 2: late 2Q26 Mock 3: early 3Q26 Employee listening, communication and change readiness Customer and community communication and outreach

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![](a2026rbcconference-final012.jpg)

12© Fifth Third Bancorp \| All Rights Reserved As of January 20, 2026 As of March 11, 2026 Avg. loans & leases (Including HFS) mid-$170s billion mid-$170s billion Net interest income1 (FY25 baseline: $6.0 billion) $8.6 - $8.8 billion assumes 12/31/26 Fed funds rate of 3.25% and includes the impact of purchase accounting accretion $8.6 - $8.8 billion assumes 12/31/26 Fed funds rate of 3.25% and includes the impact of purchase accounting accretion Noninterest income1 (FY25 baseline: $3.1 billion; excludes securities g/l) $4.0 - $4.4 billion $4.0 - $4.2 billion Noninterest expense1 (FY25 baseline: $5.1 billion; excludes the market-to market impact of non-qualified deferred compensation) $7.2 - $7.5 billion2 Includes the impact of anticipated CDI amortization (~$220MM) and excludes acquisition related charges $7.2 - $7.3 billion Includes the impact of anticipated CDI amortization (~$220MM) and excludes acquisition related charges Net charge-off ratio 30 - 40 bps 30 - 40 bps Effective tax rate 23% 23% 1See forward-looking statements on page 15 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-29 of the 4Q25 earnings release; 2Adjusted to include the impact of anticipated CDI amortization 2026 current expectations As of March 11, 2026; please see cautionary statements on page 15

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![](a2026rbcconference-final013.jpg)

13© Fifth Third Bancorp \| All Rights Reserved 1Q26 current expectations As of March 11, 2026; please see cautionary statements on page 15 1Q26 expectations Avg. loans & leases (Including HFS) $158 - $159 billion March EOP $177- $178 billion Net interest income1 (4Q25 baseline: $1.53 billion) ~$1.93 billion assumes 3/31/25 Fed funds rate of 3.75% and includes the impact of purchase accounting accretion Noninterest income1 (4Q25 baseline: $0.81 billion; excludes securities g/l) $0.90 - $0.93 billion Noninterest expense1 (4Q25 baseline: $1.27 billion; excludes the market-to market impact of non-qualified deferred compensation) $1.76 – $1.78 billion Includes the impact of anticipated CDI amortization (~$40MM) and excludes acquisition related charges Net charge-off ratio 35 - 40 bps Effective tax rate 22.5% Avg. diluted shares outstanding (In millions) 830 - 835 1See forward-looking statements on page 15 of this presentation regarding forward-looking non-GAAP measures and use of non-GAAP measures on pages 27-29 of the 4Q25 earnings release

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14© Fifth Third Bancorp \| All Rights Reserved Why Fifth Third Positioned to generate long-term sustainable value to shareholders despite the environment ✓ Well-diversified and resilient balance sheet to provide stability and profitability ✓ Consistent investments to generate balanced and growing revenue streams while maintaining peer-leading expense discipline ✓ Multi-year track record of making appropriate and preemptive changes to the business ✓ Transparent management team

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