American Express Company is a global services company. The Company provides customers with access to products, insights and experiences that enrich lives and build business success. The Company�s products and services are charge and credit payment card products and travel-related services offered to consumers and businesses around the world. The Company is operated through four segments: United States Card Services, International Card Services, Global Commercial Services, and Global Network and Merchant Services. Corporate functions and auxiliary businesses, including the Company�s Enterprise Growth Group, are included in corporate and other. The Company�s various products and services are sold to diverse customer groups, including consumers, small businesses, mid-sized companies and large corporations. These products and services are sold through various channels, including direct mail, online applications, in-house and third-party sales forces and direct response advertising.