Capital Management and Funding Strategy

Worldwide Total Loans and Card Member Receivables Total Ending Loans and Card Member Receivables ($ in billions) Pre- Pandemic $179 $183 $171 $172 $159 $150 7% 8% 4% 6% Card Member Receivables 13% 3% YoY Growth Total Loans 8% 31% 24% 25% 22% 20% Q4'19 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Total Loans & CM Receivables 6% YOY Growth 24% 18% 19% 15% 15% Note: Total Loans reflects Card Member loans and Other loans. AM EX 4

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