55 % 58 % 63 % Specialist Manera Fellow #step 1 Peer #5 Fellow #8 Peer #9 Peer #3 Peer loans The Pinery CO #6 Fellow #4 Fellow #seven Fellow #2 Peer #ten

2x Money Management Tune and you can get to know your own paying and help you do and achieve your financial goals The latest Middle Individualized Wisdom Leveraging AI to add personalized and you will proactive wisdom Deals Automation Play with AI to research your using patterns, money, and you may upcoming expenses to get currency you are not having fun with on the account $150MM Incremental Tech Creativity Financial investments over step 3.five years?

60% ? Control inside the-household capabilities to have treasury management and you will financing locations ? Tool and business vertical specialization to accomplish a great deal more for users ? Business Management ranking by seven(a) mortgage volume. 2 Display 100 financial-possessed devices fund organization to the a mixed basis. 3 Per Bloomberg; 2019 United states municipal underwriting director from the frequency. 4 Greenwich Couples 2019 federal and you may Midwest honors to possess total pleasure, probability in order to suggest, and cash management. 5 Specialist forma shared rank in the usa out-of Ohio and you will Michigan. six Pro manera AUM getting joint organization. Strong Possible opportunity to Push Enough time-Name Increases Supporting A lot of time-Label Desires to send Alternative, Through-the-Period Yields Commercial Financial Organization Financial Consumer & Individual Buyer #10 Civil Underwriting3 #8 Gizmos Finance2 #step one SBA seven(a) Financial from inside the U.

80% article on financing collection of the balance Credit Diligence Means Assessed chance framework, borrowing from the bank principles, steps, committee content, and financing data files Investigations away from efficiency styles round the credit migration, delinquencies, and you may historic loss Industrial mortgage collection o Best lending relationship and exposures o Covid-19 influenced marketplaces o Money Solutions, Catalog Financing, or any other expertise lending portfolios Unsecured loan portfolio o Mathematical study around the profile places and you will remark of credit file products Strong Due diligence Procedure 16 Diligence Appeal Areas Commercial A house Specialty Financing Industrial Banking User Banking Borrowing Underwriting & CECL Internal Review & Courtroom Risk Management I . t & Operations Regulating & Compliance Sales & Communications Money, Income tax & Bookkeeping Recruiting Time and effort out of Company-Broad Info to assess Professionals, Dangers, and you may Options In depth Diligence Techniques Lined up so you can Keeping Huntington's Aggregate Average-to-Low Exposure Cravings

$77MM) Core Put Intangible 0.50% out-of TCF non-day dumps Amortized playing with sum-of-years digits over 10 years] Deposit Divestiture Estimated put divestiture out-of

$450MM Other stuff Almost every other rate of interest reasonable market value modifications towards the securities, time-deposits, borrowings with $(45)MM immediately after-income tax effect to help you equity and you may accreted due to money Long lasting fair market price improvements with the fixed assets, OREO, almost every other property and you can debts, and you can prominent inventory having $(104)MM shortly after-tax impact to help you collateral 18% energetic tax rates towards the TCF income and merger customizations Capitalization No changes so you're able to financing allowance goals Outlined Transaction Presumptions Pre-tax $MM Borrowing Rate of interest Total Draw PCD Mortgage Mark $(520) $(8) $(528) Non-PCD Financing Mark $(339) $380 $41 Overall Financing Draw $(859) $372 $(487) 20

$450MM 18% active income tax rates on the TCF income and merger changes Compelling Specialist Forma Economic Impact 10 GAAP EPS Accretion Additional Metrics >20% IRR