| Rev. 10/2026 |

• Notice is marked Rev. 10/2026 Legal Rights & Agreement Rules

FACTS

WHAT DOES AMERICAN EXPRESS DO WITH YOUR PERSONAL INFORMATION?

| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |

• Notice explains how federal law frames sharing choices Legal Rights & Agreement Rules

| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and income • transaction history and account history • insurance claim history and credit history |

• Personal information types depend on the product or service Data Access & Collection

| How? | All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons American Express chooses to share; and whether you can limit this sharing. |

• The table sets out which sharing American Express does and whether you can limit it Sharing & Disclosure

| Reasons we can share personal information | Does American Express share? | Can you limit this sharing? |

• The table sets out which sharing American Express does and whether you can limit it Sharing & Disclosure

| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |

• Shares for everyday business purposes; you cannot limit it Sharing & Disclosure

| For our marketing purposes – to offer our products and services to you | Yes | No (but please see the “To limit direct marketing” box below for information about additional privacy choices) |

• Shares for its own marketing; table says you cannot limit, with a separate marketing choice Sharing & Disclosure

| For joint marketing with other financial companies | Yes | No |

• Shares for joint marketing with other financial companies; you cannot limit it Sharing & Disclosure

| For our affiliates' everyday business purposes – information about your transactions and experiences | Yes | No |

• Shares transactions and experiences with affiliates; you cannot limit it Sharing & Disclosure

| For our affiliates' everyday business purposes – information about your creditworthiness | Yes | Yes |

• Shares creditworthiness information with affiliates; you can limit it Sharing & Disclosure

| For our affiliates to market to you | Yes | Yes |

• Shares so affiliates can market to you; you can limit it Sharing & Disclosure

| For nonaffiliates to market to you | No (although we may share aggregated or de-identified data) | We don't share personal information |

• Does not share for nonaffiliates to market to you, apart from aggregated or de-identified data Sharing & Disclosure

| To limit our sharing | Call 1-800-221-7282 Please note: If you are a new customer, we can begin sharing your personal information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your personal information as described in this notice. However, you can contact us at any time to limit our sharing. |

• How to limit sharing: call 1-800-221-7282 Account & Service Control
• New customers: sharing can begin 30 days after the notice; sharing continues after you leave Sharing & Disclosure

| To limit direct marketing | We provide additional privacy choices to customers. Privacy elections you make for any one product or service may not automatically be applied to other products and services. To let us know if you do not want us to use your personal information to communicate with you about offers by mail, telephone, and/or e-mail: Call 1-800-221-7282 |

• Additional choices to limit direct marketing; choices are per product or service Account & Service Control

| Questions? | Call 1-800-221-7282 or go to americanexpress.com/us/travel/travelers-cheques |

• Questions line and travelers cheque complaint contact Account & Service Control

| Who we are |

| Who is providing this notice? | American Express Travel Related Services Company, Inc. and other American Express affiliates that provide financial products or services, including American Express National Bank, American Express Prepaid Card Management Corporation, and AMEX Assurance Company. |

• Notice is provided by American Express Travel Related Services Company, Inc. and affiliates Legal Rights & Agreement Rules
• AMEX Assurance Company customers may have a right to access and correct personal information Account & Service Control

| What we do |

| How does American Express protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |

• Uses security measures that comply with federal law Security & Safeguards

| How does American Express collect my personal information? | We collect your personal information, for example, when you • open an account or pay your bills • give us your income information or give us your contact information • use your credit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |

• Collects information from you in several ways and from credit bureaus, affiliates and other companies Data Access & Collection

| Why can't I limit all sharing of personal information? | Federal law gives you the right to limit only • sharing for affiliates' everyday business purposes – information about your creditworthiness • affiliates from using your information to market to you • sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |

• Shares so affiliates can market to you; you can limit it Sharing & Disclosure
• Federal law lets you limit only three kinds of sharing; state law may add rights Sharing & Disclosure
• California billing address: no sharing except as California law permits Sharing & Disclosure

| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |

• Choices apply to everyone on a joint account Account & Service Control

| Definitions |

| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include companies with the American Express name, including financial companies such as American Express Travel Related Services Company, Inc. and nonfinancial companies. Affiliates may also include other companies related by common ownership or control, such as AMEX Assurance Company, a provider of American Express Card-related insurance services. |

• Affiliates are related companies, financial and nonfinancial Sharing & Disclosure
• Vermont billing address: treated as a direction not to share creditworthiness information with affiliates Sharing & Disclosure

| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates with which we share personal information include service providers, including, for example, direct marketers, that perform services or functions on our behalf. |

• Nonaffiliates include service providers acting on American Express's behalf Sharing & Disclosure

| Joint marketing | A formal agreement between nonaffiliated companies that together market financial products or services to you. • Our joint marketing partners include financial companies. |

• Shares for joint marketing with other financial companies; you cannot limit it Sharing & Disclosure

Other important information

• Federal law lets you limit only three kinds of sharing; state law may add rights Sharing & Disclosure

We may transfer personal information to other countries, for example, for customer service or to process transactions.

• May transfer personal information to other countries Use & Processing

AMEX Assurance Company customers: You may have the right to access and correct recorded personal information. Personal information may be disclosed by us to detect fraud or misrepresentation, to verify insurance coverage, to an insurance regulatory authority, law enforcement or other governmental authority pursuant to law, or to a group policyholder for purposes of reporting claims experience or conducting an audit. Personal information related to insurance claim activity obtained from a report prepared by an insurance-support organization on our behalf may be retained by such organization and disclosed as required by law. State law may be more protective than federal law.

• Personal information types depend on the product or service Data Access & Collection
• AMEX Assurance Company customers may have a right to access and correct personal information Account & Service Control
• AMEX Assurance customers: information may be disclosed to detect fraud, verify coverage, and to regulators Sharing & Disclosure
• Insurance-support organization may retain and disclose claim-activity information Retention & Deletion

California: If your American Express account has a California billing address, we will not share your personal information except to the extent permitted under California law.

• Federal law lets you limit only three kinds of sharing; state law may add rights Sharing & Disclosure
• California billing address: no sharing except as California law permits Sharing & Disclosure

Texas: American Express entities - American Express Travel Related Services Company, Inc. and American Express Prepaid Card Management Corporation - are Texas Department of Banking money services business license holders. If a customer has a complaint regarding an American Express prepaid account, they should contact the customer service division of American Express by calling 1-877-297-4438. For complaints related to an American Express travelers cheque product or the purchase of foreign currency, the customer service division should be contacted at 1-800-221-7282. If, after reaching out to our customer service division, the complaint remains unresolved, it should be directed to: Texas Department of Banking, Non-Depository Supervision, 2601 North Lamar Boulevard, Austin, Texas 78705-4294, 1-877-276-5554 (toll free), www.dob.texas.gov, or consumer.complaints@dob.texas.gov.

• Questions line and travelers cheque complaint contact Account & Service Control
• Two American Express entities are Texas money services business license holders Legal Rights & Agreement Rules
• Texas complaints go first to customer service, then to the Texas Department of Banking Account & Service Control

Vermont: If your American Express account has a Vermont billing address, we will automatically treat your account as if you have directed us not to share information about your creditworthiness with our affiliates.

• Shares creditworthiness information with affiliates; you can limit it Sharing & Disclosure
• Federal law lets you limit only three kinds of sharing; state law may add rights Sharing & Disclosure
• Vermont billing address: treated as a direction not to share creditworthiness information with affiliates Sharing & Disclosure