Investor Presentaiton

Net Card Fees and New Cards Acquired Net Card Fees Growth* % Increase/(decrease) vs. Prior year (FX-adjusted): Proprietary NCA (in millions) 30% 25% 25% 23% 23% 22% 3.2 3.3 3.4 3.0 3.0 3.0 2.9 19% 19% 20% 16% 15% 10% 5% 0% Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Note: Effective Q2'21 we prospectively changed the recognition of certain costs paid to a third party previously recognized over the 12-month card membership period in Net Card Fees. * Net Card Fees YoY growth rates adjusted for FX are non-GAAP measures. See Annex 4 for Net Card Fees growth rates on a GAAP basis. See Slide 2 for an explanation of FX- adjusted information. AM EX 13

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