American Express (AXP)

Q4 2010 Earnings Call

January 24, 2011 5:00 pm ET

Executives

Daniel Henry - Chief Financial Officer, Executive Vice President and Member of Operating Committee

Ron Stovall - Senior Vice President of Investor Relations

Analysts

Robert Napoli - Piper Jaffray Companies

Craig Maurer - Credit Agricole Securities (USA) Inc.

Sanjay Sakhrani - Keefe, Bruyette, & Woods, Inc.

Michael Taiano - Sandler O’Neill & Partners

Richard Shane - JP Morgan Chase & Co

Betsy Graseck - Morgan Stanley

Donald Fandetti - Citigroup Inc

Bruce Harting - Barclays Capital

Bradley Ball - Evercore Partners Inc.

Kenneth Bruce - BofA Merrill Lynch

David Hochstim - Buckingham Research Group, Inc.

Brian Foran - Goldman Sachs

Christopher Brendler - Stifel, Nicolaus & Co., Inc.

Bill Carcache - Macquarie Research

Presentation

Operator

Ladies and gentlemen, thank you for standing by, and welcome to the American Express Fourth Quarter 2010 Earnings Release. [Operator Instructions] I'd like to now turn the conference over to our host, Mr. Ron Stovall. Please go ahead.

Ron Stovall

Okay. Thanks, Anne, and welcome, everybody. We appreciate all of you joining us to for today's discussion. As usual, it's my honor to present to you some legal information and that is that the discussion today contain certain forward-looking statements about the company's future financial performance and business prospects, which are subject to risks and uncertainties and speak only as of today. The words believe, expect, anticipate, estimate, optimistic, intend, plan, aim, will, should, could, likely and similar expressions are intended to identify forward-looking statements.

Factors that could cause actual results to differ materially from these forward-looking statements including the company's financial and other goals are set forth within today's earnings press release, which was filed in an 8-K report, and in the company's 2009 10-K report and 2010 first, second and third quarter 10-Q reports already on file with the Securities and Exchange Commission, in the fourth quarter 2010 earnings release and earnings supplement as well as the presentation slides, all of which are now posted on our website at ir.americanexpress.com. We have provided information that describe certain non-GAAP financial measures used by the company and the comparable GAAP financial information. We encourage you to review that information in conjunction with today's discussion.

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