TABLE OF CONTENTS 3 About This Report 4 A Message From Our Chairman and CEO 8 Our Commitment to ESG 10 Our ESG Objectives and Goals 1 1 Aligning Our Community Giving Priorities to Our ESG Strategy 12 Our Inaugural $1 Billion ESG Bond 13 Responding to Global Events 15 Amex Flex: Our New Way of Working 17 Awards and Recognition 18 Advancing the United Nations Sustainable Development Goals 19 Promoting Diversity, Equity, and Inclusion 20 Our Vision for Promoting Diversity, Equity, and Inclusion 2 1 Progress and Highlights 23 Supporting Our Colleagues, Customers, and Communities 24 Backing Our Colleagues 32 Backing Our Customers and Partners 35 Backing Our Communities 38 Advancing Climate Solutions 39 Our Vision for Advancing Climate Solutions 40 Progress and Highlights 41 Minimizing Our Climate Impact 43 Moving to Net-Zero 48 Backing Our Colleagues 50 Backing Our Customers and Partners 53 Backing Our Communities 56 Building Financial Confidence 57 Our Vision for Building Financial Confidence 58 Progress and Highlights 59 Building Financial Confidence and Resilience for Our Colleagues, Customers, and Communities 60 Backing Our Colleagues 62 Backing Our Customers and Partners 69 Backing Our Communities 76 Our ESG Governance and Operating Responsibly 78 Our Corporate Governance Framework 79 ESG Governance 81 ESG and Executive Compensation 82 Our Business Ethics 84 Data Protection and Privacy 85 Risk Management 86 Responsible Sourcing Throughout the Global Supply Chain 87 Prioritizing Colleagues’ Health, Safety, and Well-being 88 Responsible Lending 89 Supporting Data: Our Commitment to Transparency 93 Workforce Diversity and EEO-1 Data 96 Environmental Performance Data Summary 100 Limited Assurance Statement of GHG Emissions 103 Indexes TCFD Index SASB Index GRI Content Index