American Express Company is a global services company. The Company�s principal products and services are charge and credit payment card products and travel-related services offered to consumers and businesses worldwide. The Company operates in four segments: U.S. Card Services, International Card Services, Global Commercial Services (GCS) and Global Network & Merchant Services (GNMS). The U.S. Card Services segment issues a range of card products and services to consumers and small businesses in the United States and provides consumer travel services to card members and other consumers. The International Card Services segment issues consumer and small business cards outside the United States. GCS offers global corporate payment and travel-related products and services to large and mid-sized companies. GNMS operates a global payments network, which processes and settles proprietary and non-proprietary card transactions.