AMERICAN EXPRESS CO

American Express is a global payments and premium lifestyle brand that provides products and services to consumers, small businesses, mid-sized companies, and large corporations worldwide. Founded in 1850 and incorporated in 1965 as a New York corporation, the company offers credit and charge cards, along with complementary products and services such as travel, dining, lifestyle, and expense management. It also provides banking and other payment and financing products, including deposits and non-card lending. American Express engages in merchant acquisition and processing, servicing and settlement, fraud prevention, and point-of-sale marketing and information products and services, as well as network services. These offerings are delivered through various channels, including mobile and online applications, affiliate marketing, customer referral programs, third-party service providers and business partners, in-house sales teams, direct mail, telephone, and direct response advertising. American Express Company and its principal operating subsidiary, American Express Travel Related Services Company, Inc., are bank holding companies subject to supervision by The Board of Governors of the Federal Reserve System. The company operates through four reportable operating segments: U.S. Consumer Services (USCS), Commercial Services (CS), International Card Services (ICS), and Global Merchant and Network Services (GMNS). Corporate functions and certain other businesses are included in Corporate & Other.