The past three years have had a defining impact on our lives. A global pandemic. Economic stress. A war in Europe. Moments of crisis can put institutions — as well as their policies and actions — in the spotlight. Over the last three years, companies have been asked to care for and serve their associates, customers and communities in new and different ways. And I have been heartened that Capital One has made a positive difference during these challenging times. From our founding days, we have been focused on building a company that could succeed over the long term. A company where success isn’t just measured in profits or stock price, but also by how we help associates grow, customers succeed and communities thrive. Since long before the COVID-19 pandemic, this philosophy has shown up in everything we do at Capital One. Not only in how we build products, imagine experiences and invest in technology, but also in how we treat our associates and consider the impact of our business choices on society and our planet. The themes covered in this Environmental, Social and Governance (ESG) report are not new to Capital One. For years, the components that underpin ESG have been key to how we manage risk and have been integrated into how we invest in our businesses, measure our impact and manage the Company. We recognize and prioritize our role in protecting the environment, caring for the well-being of our customers, associates and communities and ensuring well- managed, sustainable business practices and oversight. Climate change has become a consequential issue for the planet and for humanity, and at Capital One we have continued to expand our sustainability efforts in support of the goals of the 2015 Paris Accords. Our sustainability journey began over a decade ago in 2009 with the implementation of our responsible paper sourcing policy and our first greenhouse gas (GHG) reduction goal. Over the past decade, we have created and achieved additional GHG reduction plans and are now working on our fourth reduction goal. Since 2017, we have procured 100 percent of the electricity we use from renewable sources. We established landfill waste and water reduction targets and committed to pursue U.S. Green Building Council Certification of LEED Silver or higher for all new office locations and comprehensive renovations. Additionally, we became members of the CDP Supply Chain program to encourage our suppliers to help reduce greenhouse gas emissions within our supply chain. A strong banking system is a critical foundation for a successful economy that works for everyone. What we do at Capital One is a universal enabler of people’s hopes and dreams. Money is connected to just about everything, and therefore banks make a huge difference in people’s lives. Money is emotional, and it’s personal. Today, Capital One serves over 100 million customers, each at a different stage of their financial journey.