Capital Management and Funding Strategy

American Express Credit Account Master Trust (AMXCA) American Express Credit Account Master Trust Eligible assets (AMXCA) ■ US Consumer Card Member loans US Small Business Card Member loans Funding Maturities* ($ in billions) Assets in trust Trust Size: **Principal AR Investor Interest Seller Interest ■ Consumer Card Member loans ☐ $25.8 billion $2.8 $7.3 $3.5 ☐ $15.4 billion $0.0 $10.5 billion Balance of 2023 2024 2025 Thereafter *Reflects the face amount of Card ABS, net of retained portions, as of September 30, 2023. Source: 10-D filing dated October 16, 2023. **Principal AR may not foot due to rounding AM EX 18

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