Investor Presentaiton
Forward Looking Statements
This presentation includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which are subject to risks and
uncertainties. The forward-looking statements, which address American Express Company's current expectations regarding business and financial performance,
including management's outlook for 2023 and aspirations for 2024 and beyond, among other matters, contain words such as "believe," "expect," "anticipate,"
"intend," "plan," "aim,” “will,” “may,” “should,” “could,” “would,” “likely,” “continue” and similar expressions. Readers are cautioned not to place undue reliance on
these forward-looking statements, which speak only as of the date on which they are made. The company undertakes no obligation to update or revise any
forward-looking statements. Factors that could cause actual results to differ materially from these forward-looking statements, include, but are not limited to, the
following:
the company's ability to achieve its 2023 earnings per common share (EPS) outlook and its longer-term EPS growth aspirations for 2024 and beyond, which
will depend in part on revenue growth, credit performance and the effective tax rate remaining consistent with current expectations and the company's ability
to continue investing at high levels in areas that can drive sustainable growth (including its brand, value propositions, customers, colleagues, technology
and coverage), controlling operating expenses, effectively managing risk and executing its share repurchase program, any of which could be impacted by,
among other things, the factors identified in the subsequent paragraphs as well as the following: fiscal and monetary policies (including government
shutdowns) and macroeconomic conditions, such as recession risks, effects of inflation, changes in interest rates, labor shortages and strikes or higher
rates of unemployment, energy costs and the continued effects of the pandemic; geopolitical instability, including the ongoing Ukraine and Israel wars; the
impact of any future contingencies, including, but not limited to, restructurings, investment gains or losses, impairments, changes in reserves, legal costs
and settlements, the imposition of fines or monetary penalties and increases in Card Member remediation; issues impacting brand perceptions and the
company's reputation; impacts related to new or renegotiated cobrand and other partner agreements; and the impact of regulation and litigation, which could
affect the profitability of the company's business activities, limit the company's ability to pursue business opportunities, require changes to business
practices or alter the company's relationships with Card Members, partners and merchants;
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