Building financial knowledge and providing planning resources Whether planning for college, buying a home, or budgeting daily expenses, smart saving pays off. We help our colleagues build their knowledge and skills for all life stages through our global Smart Saving programs. In the US, this includes financial planning coaching sessions and workshops, retirement webinars, and on-demand access to financial education resources, as well as offers for savings on everyday expenses. Through our financial planning partner, Goldman Sachs Ayco Personal Financial Management (Ayco), we provide US colleagues access to Ayco’s Financial Wellness program which includes a digital platform, one-on-one guidance from a financial coach as well as financial planning webinars offered throughout the year. We connect US colleagues to digital tools and resources to help their financial decision-making on topics ranging from debt management, benefits, retirement, investing, tax planning, and estate planning. US Colleagues can also track their income and spending habits and work with a coach to make goals and a plan to achieve them. We also partnered with certain of our colleague networks in 2021 and held network-specific workshops to educate, encourage coaching sessions, and promote the platform. For the third consecutive year, we helped our US colleagues manage their student debt through the SAVEtember and Smart Saving Student Debt Programs. These programs provided 300 colleagues with student debt a $500 cash award once they completed a financial wellness assessment and attended a financial well-being webinar on managing student loan debt. Through the American Express Scholarship Program, we also help American Express colleagues in the US and Canada fund their children’s undergraduate college education through scholarship awards based on financial need that range from $2,000 to $4,000 per year. In 2021, these scholarships totaled over $365,000. BACKING OUR COLLEAGUES Building financial confidence starts at home, with our colleagues. INTRODUCTION PROMOTING DE&I ADVANCING CLIMATE SOLUTIONS BUILDING FINANCIAL CONFIDENCE OUR ESG GOVERNANCE & OPERATING RESPONSIBLY SUPPORTING DATA OUR COMMITMENT TO ESG 60