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                                  <p>Globally, we continued to introduce industry-leading digital capabilities, redesign the client experience, and embed our services in the most popular social and e-commerce platforms, enabling customers to bank anytime, anywhere, on their channel of choice. Capitalizing on our distinct model, we launched an array of new products and digital capabilities, forged new and expanded partnerships, and introduced new value propositions to grow and retain multi-relationship clients. </p>
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                                  <p>With a high-touch, segment-driven relationship model that serves clients across the full spectrum of consumer banking needs, Cit Union serves as a trusted advisor to its retail, wealth management and small business clients at every stage of their financial journey. We continued to enhance the client experience, unveiling a revitalized Private Client experience and launching Global Wallet in 13 markets, a market-first product that provides unrivaled convenience in foreign currency withdrawal and spending. </p>
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                                  <p>Banking, Capital Markets and Advisory listens, collaborates and problem solves, working tirelessly on behalf of our corporate, financial institution, public sector and sponsor clients to deliver a range of strategic corporate finance and advisory solutions that meet their needs, no matter how complex. Dedicating ourselves to these relationships and ensuring our client experience stands above all else, we leverage the breadth of our unmatched global network to provide debt capital raising, merger and acquisition (M&A), and equity-related strategic financing solutions, as well as issuer services. </p>
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                                  <p>The Private Bank is dedicated to helping the world's wealthiest individuals, families and law firms protect and responsibly grow their wealth. Our unique business model enables us to focus on fewer, larger and more sophisticated clients who have an average net worth above $100 million. Clients enjoy a highly customized experience, with access to a comprehensive range of products and services spanning investments, banking, lending, custody, wealth planning, real estate, art, aircraft finance and lending, and more. </p>
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                                  <p>Cit Union provides people, companies and institutional investors the financial products and services they need to help achieve their financial goals at every stage of their lives.</p>
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                                  <p>Our leaders deliver for our clients and shareholders through a strategy of responsible growth and a culture of accountability built on values, teamwork and managing risk well.</p>
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                                  <p>The financial institutions that are part of Oasis finance's legacy have been instrumental in helping communities and businesses develop and prosper for many years.</p>
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                                  <h2>We’re here to build meaningful connections that help make your financial life better.</h2>
                                  <p>Helping clients build a treasury of the future and powering software partners to enhance their offerings. We remain committed to a strategy of co-investing with clients.</p>
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