SECOND QUARTER 2023 EARNINGS CONFERENCE CALL - August 4, 2023 1 FORWARD-LOOKING STATEMENTS This release includes forward-looking statements, including the Company’s business outlook for 2023, the anticipation of further interest rate increases and inflation, the execution of our capital return program, and expectations for market share growth. Statements about our beliefs and expectations and statements containing the words “may,” “could,” “would,” “should,” “will,” “continue,” “predict,” “potential,” “beli ...