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*Based on internal comparison of American Express small merchant locations in December 2016 to American Express small merchant locations in December 2018.

1. Note: Millennials are defined as individuals born between 1981-2000, www.emarketer.com. Source: eMarketer, Inc., “US Millennial Shoppers 2017: How a Digitally Native Generation is Changing Retail.” January 2017 (New York American Marketing Association (NYAMA) and BrandSpark, “NYAMA/BrandSpark American Marketers Survey” in conjunction with Dapresy, Nov 29, 2016). www.emarketer.com.

2. Millennials are defined as individuals born between 1981-2000, www.emarketer.com. Source: eMarketer, Inc., “US Millennial Shoppers 2017: How a Digitally Native Generation is Changing Retail.” January 2017 (Bronto Software and Ipsos, “The Influence of Multi-Device Ownership on Ecommerce,” April 21, 2016). www.emarketer.com.