Investor Presentaiton

Annex 3 Discount Revenue - Reported & FX-Adjusted* ($in billions) Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 GAAP Discount Revenue $5.0 $6.0 $6.4 $7.1 $6.8 $7.9 $7.8 $8.2 $7.9 $8.5 $8.4 FX-Adjusted Discount Revenue* $5.0 $6.0 $6.2 $7.0 $6.8 $7.9 $7.9 YoY% Inc/(Dec) in GAAP Discount 37% 30% 23% 14% 16% 8% Revenue 7% YoY% Inc/(Dec) in FX-Adjusted Discount Revenue* 38% 32% 26% 16% 17% 8% 7% * See Slide 2 for an explanation of FX-adjusted information. AM EX 31

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