2021 ESG Report Contents Section I: Introduction Section II: Economic 4 A Message from Greg Carmichael and 18 Corporate and Economic Profle Tim Spence 19 Sustainable Financial Performance and 6 A Message from the Board of the Directors Business Strategy 8 About This Report 20 Markets Served 9 Our Approach to Sustainability 21 Responsible Banking 11 United Nations Sustainable Development 25 Serving Customers Goals 26 Accelerating Racial Equality, Equity and 12 Stakeholder Engagement and Materiality Inclusion Assessment 13 ESG Priorities and Performance Metrics 16 Awards and Accolades Section III: Environment 33 Climate Strategy 34 Transition to a Sustainable Future 41 Climate Risk Management 44 Operational Sustainability 49 Environmental Data Section IV: Social 53 Inclusion & Diversity 61 Employees 70 Communities • Financial and Economic Inclusion • Financial Education, Access and Stability • Corporate Citizenship and Philanthropy Section V: Governance 82 Corporate Governance 85 Business Ethics 87 Public Policy and Government Relations 88 Enterprise Risk Management 90 Customer Privacy and Information Security 93 Third-Party Management 94 Appendix and Contact Details 2 Contents Introduction Economic Enviro n ment Social Governance