American Express Company is not a broker-dealer. American Express Financial Corporation, a wholly owned subsidiary of American Express Company, provides research, analysis and investment management services for the American Express® Funds. American Express Financial Advisors makes investments, brokerage services and financial planning services available through American Express Financial Advisors Inc. American Express Retirement Services, a division of American Express Financial Advisors Inc., is the sales, marketing, service and employee education area responsible for providing retirement products and services to larger institutional clients. American Express Trust Company provides investment management services for collective investment funds and pooled stable value funds, participants' recordkeeping, trustee and custodian services to sponsors of certain retirement plans. IDS certificates are issued by IDS Certificate Company and distributed by American Express Financial Advisors Inc.

American Express Financial Advisors makes available insurance and fixed and variable annuities issued by IDS Life Insurance Company, except in New York. In New York, American Express Financial Advisors makes available insurance and fixed and variable annuities issued by IDS Life Insurance Company of New York. American Express Financial Advisors makes available fixed and variable annuities issued by American Partners Life Insurance Company, except in New York. In New York, American Express Financial Advisors makes available fixed and variable annuities issued by American Centurion Life Assurance Company. "Privileged Assets" is a trade-name and does not provide any privileges beyond those allowed by law. Insurance of other companies is offered on behalf of American Express Financial Advisors and the IDS insurance agencies.

All bank lending and deposit products and services are offered by American Express Centurion Bank, an FDIC-insured financial institution. American Express Financial Advisors Inc., IDS Life Insurance Company, IDS Life Insurance Company of New York, American Partners Life Insurance Company, American Centurion Life Assurance Company and IDS Certificate Company are not banks, and the products they offer are not federally guaranteed or FDIC insured, are not deposits or obligations of, or guaranteed by a financial institution, and involve investment risks including possible loss of principal, and may fluctuate in value. Residential mortgage loans and loan origination services are offered and provided by and through Prism Mortgage. American Express Travel Related Services Company, Inc., offers charge cards, credit cards and travel services.

This Web site is published in the United States for residents of the United States, including Puerto Rico and the US Virgin Islands, and for residents of Latin America and the Caribbean, excluding Brazil, Mexico and Argentina. The Card products are offered by American Express Travel Related Services Company, Inc. and by American Express Centurion Bank. Investment services and products of American Express Financial Advisors Inc. and affiliated entities are not available in those jurisdictions where they are not authorized or permitted by local law to promote or sell the services and products. American Express financial advisors conduct business only in states where they are licensed and registered.

The information and opinions on this site provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. It is given for informational purposes only and is not a solicitation to buy or sell the securities mentioned. The information is not intended to be used as the sole basis for investment decisions, nor should it be construed as advice designed to meet the particular needs of an individual investor. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content.

Products and Services mentioned on this site may not be available in all states of the United States or in all countries of Latin America and the Caribbean.

American Express Financial Advisors Inc. Member of NASD and SIPC.

Pursuant to the USA PATRIOT Act ("the Act") and final rules issued by the U.S. Treasury Department, certain U.S. financial institutions are required to obtain information in the form of a certification from any "foreign bank" for which it maintains a "correspondent account".

In order to assist these financial institutions in satisfying their obligations, American Express has made available a Global Certification that provides the information required under the Act and final rules. Please click here^* for the American Express Global Certification.