S.1 6 Greenwich Team Financial Awards4 #1 Lender Mortgage Creator Kansas / Michigan5 #8 Vehicles Bank Lender $19B AUM6

Benefit prior to Huntington’s stand alone 2022E show metrics because the intended by IBES opinion quotes

10% CET1 Ratio? Key Assumptions Operating Worth for Investors with Much time-Term Upside 7% TBVPS Dilution 2.7yr TBVPS Earnback? $0.09 $0.16 $0.23 2021E 2022E Mention: Pick appendix to have outline. ? Specialist forma projected from the closing. ? Accretion means earnback. Concrete book well worth for each and every express dilution including overall merger expenditures and CECL double count ($0.62) split because of the 2022E GAAP EPS accretion which have totally understood costs synergies ($0.23). ? Technical invention investment debts sustained forty% for the 12 months 1 on others depreciated over the next step three age. 2022E pre-tax impression out of $20MM.

Note: Peers were CFG, CMA, FHN, FITB, Trick, MTB, PNC, RF, TFC, and ZION

300bp Benefit Provider: S&P Global, Money IQ, IBES Quotes; Note: Assumes fully realized rates synergies. Completely Knew Costs Synergies 2022E ROA Pressing brand new Huntington Virtue in the a significant Part of the brand new Period

55 % 58 % 63 % Professional Forma Fellow #step one Fellow #5 Peer #8 Peer #nine Peer #step 3 Peer #6 Peer #cuatro Fellow #eight Peer #dos Fellow #ten

2x Currency Management Song and get acquainted with their using which help your do and achieve your financial specifications The Heart Custom Facts Leverage AI to add personalized and you may proactive expertise Offers Automation Use AI to analyze your own paying models, earnings, and you can after that costs to track down money you are not using on the account $150MM Incremental Tech Advancement Investments more than 3.five years?

60% ? Control in-domestic capabilities having treasury management and you will financial support places ? Equipment and community straight expertise to complete way more for consumers ? Small company Management ranking by seven(a) financing frequency. 2 Monitor 100 financial-owned equipment fund providers with the a combined foundation. 3 Per Bloomberg; 2019 All of us municipal underwriting movie director from the volume. 4 Greenwich Lovers 2019 federal and you may Midwest honours to have total satisfaction, possibilities in order to strongly recommend, and cash government. 5 Specialist manera mutual rank in the us away from Kansas and Michigan. six Professional forma AUM getting mutual organization. Strong Opportunity to Push Enough time-Title Increases Supporting Much time-Name Goals to transmit Green, Through-the-Course Production Commercial Financial Team Banking User & Personal Consumer #10 Municipal Underwriting3 #8 Equipment Finance2 #1 SBA 7(a) Financial in the U.

80% report on loan profile from the stability Borrowing from the bank Diligence Strategy Assessed risk structure, borrowing from the bank regulations, strategies, committee content, and you will mortgage data Research of performance style all over borrowing from the bank migration, delinquencies, and you may historical loss Commercial mortgage profile o Greatest lending relationship and you can exposures o Covid-19 impacted industries o Resource Choice, Directory Funds, and other expertise financing profiles Consumer loan collection o Analytical investigation all over profile places and you can review of credit file trials Robust Homework Processes 16 Diligence Notice Portion Commercial Home Expertise Financing Industrial Banking Consumer Financial Credit Underwriting & CECL Interior Review & Courtroom Chance Administration I . t & Businesses Regulatory & Conformity Product sales & Interaction Financing, Income tax & Accounting Human resources Efforts regarding Business-Large Tips to evaluate Pros, Dangers, and Potential Outlined Diligence Processes Aligned in order to Maintaining Bethune loans Huntington’s Aggregate Average-to-Reduced Risk Cravings

$77MM) Key Deposit Intangible 0.50% away from TCF low-time deposits Amortized playing with sum-of-age digits over 10 years] Put Divestiture Projected put divestiture of

$450MM Other activities Most other rate of interest reasonable market value alterations into securities, time-places, borrowings having $(45)MM immediately following-tax impact in order to collateral and accreted compliment of earnings Long lasting fair market value modifications on fixed assets, OREO, other property and you can obligations, and you will preferred stock that have $(104)MM shortly after-taxation impact so you can collateral 18% effective taxation rate on the TCF money and you can merger improvements Capitalization Zero alter in order to resource allocation goals Outlined Deal Assumptions Pre-tax $MM Credit Rate of interest Full Draw PCD Financing Draw $(520) $(8) $(528) Non-PCD Mortgage Mark $(339) $380 $41 Total Loan Draw $(859) $372 $(487) 20

$450MM 18% effective income tax rates into the TCF money and you may merger alterations Compelling Pro Forma Financial Impact 10 GAAP EPS Accretion Additional Metrics >20% IRR