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35th Annual

March 9, 2005

keynote Speaker

Gary L. Crittenden
Executive Vice President and Chief Financial Officer, American Express Company

Creating a flexible organization

Gary assumed this position in June 2000. In this role he serves as a key advisor on strategic and financial matters worldwide, and represents American Express to investors, lenders and rating agencies.

Gary is a member of the American Express Global Leadership Team, the company’s senior-most management group.

Prior to joining American Express, Gary was chief financial officer of Monsanto and Sears Roebuck & Company.

He began his career in consulting at Bain & Company, where he worked on a range of strategic projects in the United States and Germany.
Gary serves on the board of directors of Staples, the TJX Companies, and the Utah Capital Investment Corporation.

He holds a BS degree in Management from Brigham Young University and an MBA from Harvard University.

Gary will discuss how the use of flexibility planning, a liquidity strategy and investment optimization allows American Express to quickly capitalize on growth opportunities, or pull back on spending, as changes in the business environment occur.

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