Investor Presentaiton

Total Reserves ($ in billions) Balance Sheet Credit Reserves* $5.0 $4.7 $0.3 $0.2 Card Member $4.3 $0.3 $0.2 Receivables $0.1 Total Loans $4.2 Reserves as a % of: $4.5 $4.8 Q1'20 Beginning Reserves Q2'23 Ending Reserves Q3'23 Ending Reserves Total Loans & CM Receivables 2.9% 2.6% 2.7% AM EX Total Loans CM Receivables 4.6% 0.2% 3.7% 0.4% 3.9% 0.3% * Q1'20, Q2'23 and Q3'23 Balance Sheet credit reserve builds differ from P&L credit reserve builds due to other receivables and FX impacts. Reserve subtotals may not foot due to rounding. 10 10

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