American Express said it issued 4.351% Fixed-to-Floating Rate Notes due July 20, 2029 on July 25, 2025 with an aggregate principal amount of $1,500,000,000.

1. 01

   American Express said it issued 4.351% Fixed-to-Floating Rate Notes due July 20, 2029 on July 25, 2025 with an aggregate principal amount of $1,500,000,000.

2. 02

   The company said it issued 4.918% Fixed-to-Floating Rate Notes due July 20, 2033 on the same day with an aggregate principal amount of $1,750,000,000.

3. 03

   American Express said it issued Floating Rate Notes due July 20, 2029 on the same day with an aggregate principal amount of $750,000,000, and that these notes are defined as Notes together with the two Fixed-to-Floating Rate Notes.

4. 04

   The company said the Notes were issued pursuant to a Prospectus Supplement dated July 21, 2025 and Form S-3 (No. 333-276975), and under a senior indenture dated August 1, 2007 between the company and The Bank of New York Mellon, as trustee, as supplemented by two supplemental indentures.

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