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We have also continued to leverage programs like Green2Gether to engage our colleagues in sustainability initiatives. For our customers and partners, we set a goal to pilot new low-carbon product innovations by the end of 2022. We’ve made progress toward this goal, including piloting carbon tracking solutions for corporate clients, launching new recycled plastic cards in Canada and France, and partnering with Delta Air Lines on cards made from 70% reclaimed plastic that received a certification as a CarbonNeutral® product in accordance with The CarbonNeutral Protocol. To support more climate-resilient and equitable communities, we launched a goal to provide at least $10 million from 2021 through 2025 to support initiatives, partnerships, and programs that address the adverse effects of climate change and pollution on communities. Read on to learn how we’ve progressed, and what we still aim to do, in order to: • Minimize our climate impact • Manage our climate-related risks and opportunities • Develop new capabilities to enable our customers and partners to transition to a low-carbon economy • Support community programs and initiatives to help build more climate-resilient and equitable communities In May 2022, we closed our first-ever ESG bond issuance. We intend that an amount equivalent to the net proceeds of the $1 billion ESG bond will be allocated toward projects in the Green and Social categories, including investments in green buildings and initiatives supporting a circular economy. JOINING FORCES FOR LOW-CARBON COMMUNITIES Advancing climate solutions globally requires a collaborative approach, so in April and May 2022, we announced new partnerships with nonprofits. Through grants to American Forests, C40 Cities, National Park Foundation, and Earthwatch Institute, we plan to fund projects and initiatives to support nature-based solutions and sustainability efforts in local communities, particularly in urban areas. Partnering with these organizations is another important step in our objective to advance climate solutions. Read more in Our Inaugural $1 billion ESG Bond. INTRODUCTION PROMOTING DE&I ADVANCING CLIMATE SOLUTIONS BUILDING FINANCIAL CONFIDENCE OUR ESG GOVERNANCE & OPERATING RESPONSIBLY SUPPORTING DATA OUR COMMITMENT TO ESG 42

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