American Express issued 4.804% Fixed-to-Floating Rate Notes due October 24, 2036 on October 24, 2025, with an aggregate principal amount of $2,000,000,000.

1. 01

   American Express issued 4.804% Fixed-to-Floating Rate Notes due October 24, 2036 on October 24, 2025, with an aggregate principal amount of $2,000,000,000.

2. 02

   The company said the Notes were issued pursuant to a Prospectus Supplement dated October 20, 2025 to the Prospectus dated February 9, 2024, filed as part of the Company's Registration Statement on Form S-3 (No. 333-276975).

3. 03

   American Express said the Notes were issued under a senior indenture dated August 1, 2007, between the Company and The Bank of New York Mellon, as trustee. The indenture was supplemented by the 1st supplemental indenture dated February 12, 2021 and the 2nd supplemental indenture dated May 1, 2023, each between the Company and the Trustee.

4. 04

   The company said it filed with this Form 8-K the Opinion and Consent of Benjamin L. Kuder, Esq. (Exhibit 5) and Consent of Counsel (Exhibit 23, included in Exhibit 5). It added that these exhibits are incorporated by reference into the Registration Statement.

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Original filing

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