American Express International, Inc. identifies insurance
providers and products that may be of interest to some of its customers. In
this role we do not act as an agent or fiduciary for you, and we may act on
behalf of the insurance provider, as permitted by law. We want you to be aware
that we receive commissions from providers and commissions may vary by provider
and product. Also, in some cases, an American Express entity may be the
reinsurer and may earn reinsurance income. The arrangements we have with
certain providers, including the potential to reinsure products, may also
influence what products we identify. We do not require you to purchase any
insurance product, and you may choose to cover your insurance needs from other
sources on terms they may make available to you.