AMERICAN EXPRESS COMPANY

Issues affecting prudential bank regulatory matters, including expected changes to capital and liquidity requirements Issues related to prudential bank regulations including, the Basel III Endgame proposal and the Long-Term Debt proposal Issues related to implementation of merchant category codes Issues generally related to merchant pricing, network routing requirements and contract regulation, including the proposed Credit Card Competition Act Issues, including oversight and regulations, related to the Consumer Financial Protection Bureau (CFPB), including penalty fees, rewards, open banking, the fair credit reporting act, digital payments apps, fine print in contracts, etc. Issues related to modernization of the Bank Secrecy Act / Anti-Money Laundering (BSA/AML) Regime Issues related to credit reporting and data brokers Issues related to fraud and fraud-related databases Issues related to potential changes to tailoring regulations that were included in the implementation of S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act Issues related to capital regulation Issues related to payment networks operating in China S. 1323/HR 2891, the SAFE Banking Act of 2023, provisions related to cannabis banking

Issues relating to corporate tax proposals Issues relating to OECD global minimum tax rules and US international tax rules Issues relating to CFC look-through Rule Issues relating to net operating losses carryback rule H.R. 7024 Tax Relief for American Families and Workers Act of 2024, provisions relating to Sec. 174

S. 884, the Improving Digital Identity Act of 2023, provisions related to digital identities and security S.J.Res.50, provisions related to cyber incident reporting H.R. 8818, the American Privacy Rights Act, provisions related to data privacy Issues related to cyber security regulatory harmonization, the NIST cyber framework and the cyber sector profile Issues related to artificial intelligence, including the Treasury Departments Request for Information on AI Draft legislation related to data privacy HR 1165, the Data Privacy Act, provisions related to data privacy and the GLBA Draft legislation related to data security and breach notification Draft legislation related to stablecoins, digital assets and central bank digital currencies Draft legislation related to artificial intelligence Draft legislation related to cybersecurity regulatory harmonization

Issues affecting prudential bank regulatory matters, including expected changes to capital and liquidity requirements Issues related to prudential bank regulations including, the Basel III Endgame proposal and the Long-Term Debt proposal Issues related to implementation of merchant codes Issues generally related to merchant pricing, network routing requirements and contract regulation, including the proposed Credit Card Competition Act Issues, including oversight and regulations, related to the Consumer Financial Protection Bureau (CFPB), including penalty fees, rewards, open banking, the fair credit reporting act, digital payments apps, etc. Issues related to modernization of the Bank Secrecy Act / Anti-Money Laundering (BSA/AML) Regime Issues related to credit reporting and data brokers Issues related to fraud and fraud-related databases Issues related to potential changes to tailoring regulations that were included in the implementation of S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act Issues related to capital regulation Issues related to payment networks in China S. 1323/HR 2891, the SAFE Banking Act of 2023, provisions related to cannabis banking

S. 884, the Improving Digital Identity Act of 2023, provisions related to digital identities and security S.J.Res.50, provisions related to cyber incident reporting Issues related to cyber security regulatory harmonization, the NIST cyber framework and the cyber sector profile Draft legislation related to data privacy HR 1165, the Data Privacy Act, provisions related to data privacy and the GLBA Draft legislation related to data security and breach notification Draft legislation related to stablecoins, digital assets and central bank digital currencies Draft legislation related to artificial intelligence