On October 8, 2026, American Express Company (the "Company") and American Express Travel Related Services Company, Inc. consented to an order issued by the Board of Governors of the Federal Reserve System and American Express National Bank ("AENB") consented to an order issued by the Office of the Comptroller of the Currency (the "OCC") to resolve previously disclosed reviews by the banking regulators of certain aspects of the Company's financial crimes compliance program. AENB also agreed to pay a civil money penalty of $350 million to the OCC. A portion of the civil money penalty was reserved for in prior periods and it does not impact the full-year 2026 guidance the Company previously provided. The consent orders do not impose an asset cap on the Company and costs associated with addressing the requirements of the consent orders are not anticipated to affect the Company's 2027 guidance.