Key GMS Strategies. Delivering value, driving growth and enabling new fee-based services

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2 Key GMS Strategies Delivering value, driving growth and enabling new fee-based services 2

3 Key GMS Strategies Delivering value, driving growth and enabling new fee-based services Leveraging our global acquiring asset and brand 3

4 Global Coverage Expansion Expanding Acceptance and Growing Spend Growth in new merchant locations and transactions May '09 YTD May '10 YTD 4

5 New Acquiring Constructs Expanding Acceptance May '10 YTD vs. May '09 YTD New Signings New Booked Charge Volume Partnership with one of the largest acquirers in Spain Geographic small merchant coverage expansion Improve processing and servicing 5

6 B2B Payments: US Electronic Payments Expansion Electronic Payment Solutions Corporate Purchasing Card 1H'07 1H'08 1H'09 1H'10 * US B2B Payments charge volume includes Corporate Purchasing Card and Electronic Payment Solutions (Buyer Initiated Payments & VPayment). 6

7 B2B Payments: International Linking Buyers and Sellers Europe JAPA * FX adjusted 1H'09 1H'10 7

8 B2B Payments: International Linking Buyers and Sellers Signs Supplier Provides Cards Program Purchases Groceries Endorses Program Metcash Benefits: Improved speed of pay Reduced outstanding accounts receivables Retailer Benefits: Tailored Membership Rewards program Improved cash flow 8

9 Brand Awareness The trademarks, service marks and logos shown are the property of their respective owners 9

10 Key GMS Strategies Delivering value, driving growth and enabling new fee-based services Leveraging our model and customer-centric approach 10

11 Video with General Comments John Costello Karen Rogers Steve Rubenstein Michael Ward Simon Cooper Mike Bonner

12 Key GMS Strategies Delivering value, driving growth and enabling new fee-based services Leveraging our model and customer-centric approach 12

13 13 Marketing Programs and Capabilities High quality, unique merchant offers, content and experiences Help merchants meet business objectives Bring expertise to small merchants Market 3D Access to affluent cardmembers Global Selects Pipeline of innovative new capabilities

14 Registered Card Patent-pending technology matches cardmember spend with merchant offers Loyalty tool for merchants Couponless seamless offer fulfillment Flexibility to customize offer construct Save 15% every time you dine Shop 5 times, get $25 statement credit Get $10 statement credit for first purchase Spend $50, get $10 statement credit Illustrative examples 14

15 Registered Card Rich Offers for Cardmembers, Increased Spend for Merchants Campaign: Spend $50 three times and get $30 back Merchant Need: Drive increased frequency and incremental spend among current shoppers 15

16 Key GMS Strategies Delivering value, driving growth and enabling new fee-based services Powering our business model through information and relationships 16

17 Unique, Broad and Direct Relationships Expanding across: Industries Segments Geographies Sizes Demographics 17

18 Rich, Actual Aggregated Data Data Security & Privacy Demographics Geography Industry Spend Behavior Industry Sub Industry Merchant Geography Time Data Security & Privacy 18

19 Data and Information Direct Relationships Deliver Robust Data, While Maintaining Privacy and Confidentiality Demographic Information Brand Preferences Share of Wallet Location London, UK Brand Maybourne Hotel Group Sub-brand Date Claridge s Hotel June 17, 2010 Time 1:37pm Amount Illustrative example

20 Data and Information Aggregated Spend and Behavioral Data is Unique Confidentiality and Privacy are Paramount Hotel Location Length, Date Amount Morning Coffee Location Date Amount Gym Facility Location Date Amount Dinner Location Date Amount Gift Shop Location Date Amount 20

21 American Express Business Insights Combining Real Aggregated Behavioral Data with Powerful Analytics To Address Customer Needs 21

22 Business Insights Video Chris Flatt Xavier Gueroux Javier Barrera Mike Bonner John Costello

23 American Express Business Insights Combining Real Aggregated Behavioral Data with Powerful Analytics To Address Customer Needs 23

24 Small Business Offering Meeting Needs of Small and Medium Businesses with Rich, Flexible and Interactive Subscription-Based Products 24

25 Video

26 Small Business Offering Meeting Needs of Small and Medium Businesses with Rich, Flexible and Interactive Subscription-Based Products 26

27 27 New Channels: Investor Services American Express Investor Services Intends to Address an Unmet Market Need $23 billion Timely data Growth trends Performance drivers, including consumer segments and industry subcategories

28 28 New Channels: Investor Services American Express Investor Services Intends to Address an Unmet Market Need Custom spend indices Frequent data Reach with public and private companies Granular transactional information

29 Sample Consumer Sub-Segment Detailed Insights on Consumer Sub-Segment Spending Patterns * * Note: Circles not drawn to scale. * Year over year growth rates for the three quarters ended June Affluent is defined as US consumers with monthly spend of >$2,000. Women under 45 are from the super affluent segment. Super affluent is defined as US consumers with monthly spend of >$7,

30 Key GMS Strategies Delivering value, driving growth and enabling new fee-based services Capitalizing on our global footprint and relationships 30

31 Emerging Markets New Products and Constructs China Brazil India The trademarks, service marks and logos shown are the property of their respective owners 31

32 Key GMS Strategies Delivering value, driving growth and enabling new fee-based services Driving growth through participation in digital 32

33 Growth in Digital Global ecommerce to grow to $1.1 trillion Mobile payments to grow to $630 billion Sources: JP Morgan 2009 Internet Investment Guide, Juniper Research 33

34 Summary of Growth Prospects Delivering value, driving growth and enabling new fee-based services Strategic Coverage Initiatives B2B Payments Expansion Fee-Based Services Emerging Markets Digital Payments, Processing and Capabilities 34