Investor Presentaiton

Expense Performance ($ in millions) AM EX Q3'23 Q3'22 YOY% Inc/(Dec) Card Member Rewards $3,794 $3,571 6% Business Development $1,393 $1,194 17% Card Member Services $973 $774 26% Q3'23 VCE % of Revenue Variable Customer Engagement $6,160 $5,539 11% 40% Expenses Marketing $1,236 $1,458 (15%) Operating Expenses* $3,652 $3,322 10% Total Expenses $11,048 $10,319 7% See Variance Commentary in the appendix section for an explanation of the expense variances versus last year. * Represents salaries and employee benefits, professional services, data processing and equipment, and other, net. 16 16

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