You have the right to receive your billing statements, certain legal disclosures, notices, communications and other items listed below, some of which we provide through your billing statements, (together, the "Covered Items") in paper form by mail. We may instead provide these Covered Items to you electronically if you: give us your Consent to do so, provide us a Designated E mail Address and satisfy the System Requirements below. For purposes of this Consent Statement, such Covered Items may include, at minimum:

• billing statements, cardmember agreements, electronic funds transfer agreements, billing rights notices, notices concerning cardmember privacy, and other items, including notices of modifications to any of the above, we provide through your billing statements (collectively referred to as "Paperless Statements");
• other legal notices required to be in writing, insurance forms and documents, billing inquiry communications, balance transfer communications, account cancellation notices, suspension of charge privileges, payment due notices, Express Cash communications, payment inquiry communications and any notices of modifications to any of the above (collectively referred to as "Account Communications").

Depending on how you set up your electronic delivery preferences, you can elect to receive all of the Covered Items electronically or, where the feature is available on our site, you may elect to receive any combination of electronic and/or paper form mail delivery for Paperless Statements or Account Communications alone. Regardless of your unique preference set up, this Consent Statement covers those items you elect to receive electronically.

If you have multiple American Express cards, you may go to your online account, or call the customer service number on the back of your card, to designate which ones are subject to this Consent ("Designated Card(s)").

By agreeing to this Consent Statement, you give us your consent to electronically provide you the Covered Items for your Designated Cards and you certify you:

• (1) meet our System Requirements,
• (2) have successfully accessed the Test PDF document linked below, and
• (3) will provide and maintain a valid Designated E-mail Address (collectively, your "Consent").

You may withdraw your Consent for a Designated Card at any time through your online account, or by calling the customer service number on the back of your Designated Card. Withdrawing your Consent will not affect the enforceability of any Covered Items already provided or your obligation to make payments. Withdrawing your Consent may, however, affect aspects of your Designated Card account related to your Consent, such as any discounted rates and fees, and even the availability of the Designated Card account. We will tell you about any affect on your Designated Card account during the withdrawal process.

We reserve the right to modify these terms and conditions at our discretion. We will provide you with notice of such modification(s) electronically in a manner consistent with Methods of Providing Covered Items below. If you do not agree to the Consent Statement as modified, you must notify us of your Withdrawal of Consent before its effective date. We will tell you the effective date in the notification, and change the effective date at the top of the new Consent Statement. Failure to withdraw your Consent, or take any other required action as stated in the notification before the effective date will confirm your continued agreement to the Consent Statement as modified. Modifications to these terms will only affect our respective rights and obligations from the effective date of the modification(s) and thereafter, and/or until a subsequent version of this Consent Statement takes effect, you withdraw your Consent, or the Designated Card is terminated by either you or American Express.

In this document, "provide" means to deliver, make available, send, notify or similar term We may provide the Covered Items electronically through, or through any combination of: (1) your Designated E mail Address, (2) your online account's Secure Message Center, (3) links provided through your online account, or (4) files, including those in PDF format, downloaded from our website. It is your responsibility to review Covered Items promptly, so you can take appropriate action.

You certify the e-mail address you provide for a Designated Card is your e-mail address, and you want us to use it to provide Covered Items electronically ("Designated E-mail Address"). You agree to maintain each Designated E mail Address until you provide us with a new one through your online account, or by calling the customer service number on the back of your Designated Card. If you authorize someone else to access your Designated E mail Address, you agree to tell them to share Covered Items with you promptly, and you accept the risk that they will see your sensitive information.

You can request paper copies of Covered Items through your online account, or by calling the customer service number on the back of your Designated Card. We retain copies of these Covered Items for the time periods required by law and will provide you with copies of these upon request within those time periods. We do not necessarily retain copies for longer than is required by law. Save or print copies of Covered Items to ensure you have them when needed. The cardmember agreement for your Designated Card will inform you if there is a fee for copies of Covered Items.

We reserve the right to provide Covered Items in paper form at all times at our discretion even if you have given us Consent to provide them electronically. For example, but without limitation, we may do this if we have a system outage, if we suspect fraud, or if for any reason your Designated E mail Address does not accept emails from us.

To access and retain the Covered Items, you must have a working e-mail address and a computing or communications device with:

• working Internet access,
• a Web browser that supports 128-bit encryption (such as Chrome®, Firefox®, Internet Explorer®, or Safari®),
• 16 MB of available memory (32 MB of RAM recommended) and
• a program that can view, save and print PDF files (such as Adobe® Reader® 4.0 or higher).