American Express Company is a global services company. The Company provides customers with access to products, insights and experiences that enrich lives and build business success. The Company’s products and services are charge and credit payment card products and travel-related services offered to consumers and businesses around the world. The Company is operated through four segments: United States Card Services, International Card Services, Global Commercial Services, and Global Network and Merchant Services. Corporate functions and auxiliary businesses, including the Company’s Enterprise Growth Group, are included in corporate and other. The Company’s various products and services are sold to diverse customer groups, including consumers, small businesses, mid-sized companies and large corporations. These products and services are sold through various channels, including direct mail, online applications, in-house and third-party sales forces and direct response advertising.

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