AMERICAN EXPRESS CO

This report includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which are subject to risks and uncertainties. The forward-looking statements, which include current expectations regarding the Company’s headquarters and its development, estimated completion date and impact to the Company’s financial results, among other matters, contain words such as “believe,” “expect,” “intend,” “plan,” “aim,” “will,” “may,” “should,” “could,” “would,” estimate,” “continue” and similar expressions. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date on which they are made. The Company undertakes no obligation to update or revise any forward-looking statements. Factors that could cause actual results to differ materially from these forward-looking statements, include, but are not limited to: risks of real estate development, including the construction delays and cost overruns, receipt of requisite approvals, liability or contract claims by or against project partners, construction firms, governmental bodies or others, the impact of environmental laws and the Company’s ability to procure sufficient insurance coverage on acceptable terms; changes in economic and market conditions, including inflation and building supply chain disruptions; severe weather conditions, natural disasters or other catastrophic events affecting the property or its development; and changes in certification standards. A further description of these and other risks and uncertainties can be found in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 and its other reports filed with the Securities and Exchange Commission.

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