JOINING FORCES WITH INNOVATIVE STARTUPS To connect people worldwide to new and innovative ways of building their financial confidence, Amex teamed up with Zogo Financial Education. When college student Bolun Li realized how little his peers knew about financial literacy topics like taxes and insurance deductibles, he responded with a solution tailored specifically for his generation: Zogo Financial Education, an app designed to make financial education about debt repayment, health insurance, homebuying and more, fun. In 2021, we partnered with Zogo on a pilot program to offer custom-tailored content and additional incentives embedded within the app’s gamified experience. This joint effort provided Gen Z users with an opportunity to gain valuable financial literacy skills toward their financial well-being. Amex Ventures also invested in the startup BodesWell in 2020, and American Express and BodesWell later co-developed and launched the pilot product My Financial Plan in 2021, a self-service financial planning tool designed to give Card Member users a complete picture of their financial health and help them make and work toward major life goals, such as buying a house or retirement. The pilot launched in July 2021 and has provided select American Express Card Members with the opportunity to try out My Financial Plan, to see how income, assets, expenses, liabilities, and cash flow come together for planning life events. Helping global consumers gain access to credit in the US Many newcomers to the United States lack access to US credit due to their international credit histories being “stopped at the border.” Since 2019, we’ve been backing the efforts of San Francisco-based fintech Nova Credit to address this problem. Nova Credit’s Credit Passport® seamlessly and securely integrates into the American Express online card application process, enabling applicants’ credit records from certain international credit reporting agencies to be instantly translated into a US-equivalent credit report and score in just a few clicks allowing American Express to make an application decision. This industry-first integration has helped thousands of newcomers from Australia, Canada, India, Mexico, and the UK access their credit reports and get approved for an American Express Card. In December 2021, we expanded the application’s reach to people from four more countries: Brazil, Dominican Republic, Kenya, and Nigeria. “ Our work with American Express over the past two years has shown us the sheer impact access to financial services has on newcomers. Nova Credit now has the ability to help even more newcomers experience financial success as they navigate the tumultuous process of immigration— supporting our ultimate mission for newcomers to arrive and thrive.” –MISHA ESIPOV, CO-FOUNDER, AND CEO OF NOVA CREDIT INTRODUCTION PROMOTING DE&I ADVANCING CLIMATE SOLUTIONS BUILDING FINANCIAL CONFIDENCE OUR ESG GOVERNANCE & OPERATING RESPONSIBLY SUPPORTING DATA OUR COMMITMENT TO ESG 66