BUILDING FINANCIAL CONFIDENCE AND RESILIENCE FOR OUR COLLEAGUES, CUSTOMERS, AND COMMUNITIES At American Express, building financial confidence—for our colleagues, our customers, and in our communities—is a natural extension of our role as a global financial services leader and is a core pillar of our ESG strategy. Our efforts to build financial confidence start at home with our colleagues. Through competitive benefits, financial support such as additional contributions to US colleagues’ retirement accounts, and skill-building opportunities like our Harvard Leadership Edge program, we are helping our colleagues build their financial confidence and resilience. For our customers, we’re empowering individuals to build and maintain their financial well-being through products and services, such as MyCredit Guide and Score Goals and our new all-digital US consumer checking account. We also continue to support local small businesses through initiatives like Shop Small and Small Business Saturday. In our communities, we are helping build resilience through grants, programs, and initiatives that support economic empowerment and equity. We are expanding our reach into our communities through partnerships, such as our Backing Small grant programs that support economically vulnerable small business owners, and an expanded global partnership with Junior Achievement Worldwide to provide financial literacy education and training to students in 11 countries. Through our American Express Center for Community Development (CCD), we provided $265 million in community development loans and investments in 2021 that supported small business needs, job creation and retention, and affordable housing. We are excited to share progress against our goals and highlights from our new and longstanding programs. You’ll also learn about how we are addressing common challenges within our industry, from strengthening data privacy and security to protecting our customers against fraud. Read on to learn more about how we have been helping our colleagues, customers, and communities build financial confidence. INTRODUCTION PROMOTING DE&I ADVANCING CLIMATE SOLUTIONS BUILDING FINANCIAL CONFIDENCE OUR ESG GOVERNANCE & OPERATING RESPONSIBLY SUPPORTING DATA OUR COMMITMENT TO ESG 59