4Q22 Earnings Call February 8, 2023 Expanding access to investing, insurance, and retirement security Key Messages Transforming our business for sustainable growth WE MAKE LIVES BETTER by Exceeded $750 million of cost SOLVING the FINANCIAL CHALLENGES savings one year ahead of target of CHANGING WORLD our Navigating the macro environment with our rock solid balance sheet Expanding access to investing, insurance, and retirement security 2 Transforming Our Business for Sustainable Growth Reduced Market Sensiti ...