Investor Presentaiton
Forward Looking Statements
AM
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a failure in or breach of the company's operational or security systems, processes or infrastructure, or those of third parties, including as a result of
cyberattacks, which could compromise the confidentiality, integrity, privacy and/or security of data, disrupt the company's operations, reduce the use and
acceptance of American Express cards and lead to regulatory scrutiny, litigation, remediation and response costs, and reputational harm;
legal and regulatory developments, which could affect the profitability of the company's business activities; limit the company's ability to pursue business
opportunities or conduct business in certain jurisdictions; require changes to business practices or alter the company's relationships with Card Members,
partners, merchants and other third parties, including its ability to continue certain cobrand relationships in the EU; exert further pressure on merchant
discount rates and the company's GNS business; result in increased costs related to regulatory oversight, litigation-related settlements, judgments or
expenses, restitution to Card Members or the imposition of fines or monetary penalties; materially affect capital or liquidity requirements, results of
operations or ability to pay dividends; or result in harm to the American Express brand; and
factors beyond the company's control such as further escalations of the Ukraine and Israel wars and other military conflicts, adverse developments affecting
third parties, including other financial institutions, the severity and contagiousness of new COVID-19 variants, severe weather conditions, natural disasters,
power loss, disruptions in telecommunications, terrorism and other catastrophic events, any of which could significantly affect demand for and spending on
American Express cards, delinquency rates, loan and receivable balances, deposit levels and other aspects of the company's business and results of
operations or disrupt its global network systems and ability to process transactions.
A further description of these uncertainties and other risks can be found in American Express Company's Annual Report on Form 10-K for the year ended
December 31, 2022, Quarterly Reports on Form 10-Q for the quarters ended March 31 and June 30, 2023 and the company's other reports filed with the Securities
and Exchange Commission.
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