Investor Presentaiton

Annex 4 Net Card Fees - Reported & FX-Adjusted* ($in billions) GAAP Net Card Fees FX-Adjusted Net Card Fees* YoY% Inc/(Dec) in GAAP Net Card Fees YoY% Inc/(Dec) in FX-Adjusted Net Card Fees* Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 * See Slide 2 for an explanation of FX-adjusted information. $1.3 $1.3 $1.3 $1.3 $1.4 $1.5 $1.5 $1.6 $1.7 $1.8 $1.8 $1.2 $1.2 $1.3 $1.3 $1.4 $1.5 $1.6 14% 15% 17% 21% 20% 21% 20% 16% 19% 23% 25% 23% 22% 19% AM EX 32 32

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