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Restricted - External Terry Ma, CFA+1 212 526 7965BCI, USJulia Gul+1 212 526 9132BCI, USMeet the AnalystsU.S. Consumer FinanceThis event is intended for Barclays institutional investor clients only. This event is strictly and solelyfor the benefit of the intended recipients. Please do not forward this invitation to any other party Cordelia R Deng+1 212 526 7625BCI, USTerry Ma, CFA is a Vice President and equity researchanalyst covering the U.S. Consumer & Specialty FinanceSector. He joined Barclays in 2011 and was previously partof the Institutional Investor ranked teams in Equity LinkedStrategies (#1 in 2011, #2 in 2012) and also U.S. ConsumerFinance (#2 in 2017, 2018). Terry began his career atStandard & Poor’s as an Index Analyst and earned a B.S. inFinance from Penn State University.View Analyst PageMichael McLean is a Director and Public Policy senioranalyst, covering major US legislation, regulation, policyproposals, and political events. He is a member of theBarclays global cross-asset Sustainable Investing Researchteam. Prior to his current role, Michael served as Directoron the US Government Relations and Regulatory Policyteam, where, among other responsibilities, he helped leadthe bank’s advocacy on financial regulatory and otherpolicy issues and represented Barclays with governmentofficialsand industry trade associations. He earned a B.A.degree, cum laude, in Government from Harvard.View Analyst Page without written consent from Barclays Research. Barclays' Investment Bankers are permitted toattend this event. Participant comments are not for attribution.If your firm is in-scope for research unbundling under MiFID II and you require further informationregarding pricing to participate in this Barclays Research content event, please contact your salesrepresentative.Barclays Capital Inc. and/or one of itsaffiliatesdoes and seeks to do business with companies coveredin its research reports. As a result, investors should be aware that the firm may have a conflict ofinterest that couldaffectthe objectivity of this report. Investors should consider this report as only asingle factor in making their investment decision.Any views or opinions by Barclays research analysts have been previously published in researchreports available to our clients on Barclays Live. Click here to view the guide to the Barclaysfundamental equity research rating system.For analyst certifications and important disclosures including, where applicable, foreignaffiliatedisclosures, and the date and time when the production of each recommendation was completed andfirst disseminated, please refer to the full document(s) included in this email or go to our Researchportal on Barclays Live. To access conflict of interest disclosures relating to issuers covered byBarclays Research, please see https://publicresearch.barclays.com.Barclays Events Terms of Service | Barclays Events Privacy NoticeDisclaimer:BARCLAYSThis communication has been prepared by Barclays.“Barclays” means any entity within the Barclays Group of companies, where “Barclays Group” meansBarclays Bank PLC, Barclays PLC and any of their subsidiaries,affiliates,ultimate holding companyand any subsidiaries oraffiliatesof such holding company.CONFLICTS OF INTERESTBARCLAYS IS A FULL SERVICE INVESTMENT BANK. In the normal course ofofferinginvestment bankingproducts and services to clients, Barclays may act in several capacities (including issuer, marketmaker and/or liquidity provider, underwriter, distributor, index sponsor, swap counterparty andcalculation agent) simultaneously with respect to a product, giving rise to potential conflicts ofinterest which may impact the performance of a product.BARCLAYS POSITIONSBarclays may at any time acquire, hold or dispose of long or short positions (including hedging andtrading positions) and trade or otherwiseeffecttransactions for their own account or the account oftheir customers in the products referred to herein which may impact the performance of a product.FOR INFORMATION ONLYTHIS DOCUMENT IS PROVIDED FOR INFORMATION PURPOSES ONLY AND IT IS SUBJECT TO CHANGE.This information has been prepared by the Research Department within the Investment Bank ofBarclays. The information, analytic tools, and/or models referenced herein (and any reports or resultsderived from their use) are intended for informational purposes only. Barclays has no obligation toupdate this information and may cease provision of this information at any time and without notice.NO OFFERBarclays is notofferingto sell or seekingoffersto buy any product or enter into any transaction. Anyofferor entry into any transaction requires Barclays’ subsequent formal agreement which will besubject to internal approvals and execution of binding transaction documents. The productsmentioned may not be eligible for sale in some states or countries, nor suitable for all types ofinvestors. Without limitation to the foregoing, any transaction may also be subject to review byBarclays Gr