Table of Contents CORONAVIRUS (COVID-19) IMPACT The following is a description of the impact the Coronavirus (COVID-19) pandemic is having on our financial condition and results of operations and certain risks to our business that the pandemic creates or exacerbates. Operational Impact Pursuant to our preexisting disaster recovery plan addressing potential pandemic outbreaks, we created a dedicated executive COVID-19 response team that is closely monitoring developments and providing guidance for additional precautions and initiatives. We have divided departments among various locations to help ensure that infection will not spread across entire departments. We are encouraging virtual meetings and conference calls in place of in-person meetings, including our annual shareholder meeting which was held virtually this year and will again be held virtually in 2021. Employees with health conditions putting them at higher risk of adverse effects from coronavirus infection have been given the opportunity to work remotely. Additionally, travel has been restricted. We are promoting social distancing, frequent hand washing, disinfection of all surfaces, and the use of masks or nose and mouth coverings have been mandated in all of our locations. The majority of our banking center lobbies have been open only for advance appointments. Banking center drive-ups, ATMs and online/mobile banking services continue to operate normally. It remains undetermined how long our banking centers will operate at these service levels. Infection rates in the communities we serve vary by region and we will make prudent decisions for the safety of our colleagues and our clients. Loan and lease modifications We began receiving requests from our borrowers for loan and lease deferrals in March. Modifications include the deferral of principal payments or the deferral of principal and interest payments for terms generally 90 - 180 days. Requests are evaluated individually and approved modifications are based on the unique circumstances of each borrower. We are committed to working with our clients to allow time to work through the challenges of this pandemic. At this time, it is uncertain what future impact loan and lease modifications related to COVID-19 difficulties will have on our financial condition, results of operations and allowance for loan and lease losses. The following table shows coronavirus loan and lease modification balances in deferment as of December 31, 2020, September 30, 2020 and June 30,2020, respectively. COVID-19 Related Loan and Lease Modifications (Dollars in millions) December 31, 2020 September 30, 2020 June 30, 2020 Auto and light truck rental $ 5  $ 22  $ 224  Specialty vehicle 21  23  75  Medium and heavy duty truck —  5  87  Aircraft 13  13  93  Construction 7  —  139  Commercial 83  63  210  Residential real estate and home equity —  —  4  Consumer —  —  8  Total loans and leases $ 129  $ 126  $ 840  (1) (1) Includes buses, step vans and funeral cars. 20