As a purpose-driven financial services leader, sustainability is woven into our business strategy and enables us to provide win-win solutions for our brand partners and customers. These include innovative products that enable our customers to responsibly finance purchases, make payments in their channel of choice, and even save for the future. We are proud of our sustainability-focused product advancements like our Bread CashbackTM American Express® Credit Card – not only does it fill a need in the market, but each card produced uses renewable biodegradable materials and utilizes carbon offsets, making the card carbon neutral. In addition to supporting customers, Bread Financial strives to pay our success forward by supporting nonprofit organizations that strengthen our communities. Our community impacts are made possible in part by the efforts of our associates, who volunteered more than 3,700 hours last year in addition to financially supporting causes they care about most.