<SEC-DOCUMENT>0001214659-23-005199.txt : 20230411
<SEC-HEADER>0001214659-23-005199.hdr.sgml : 20230411
<ACCEPTANCE-DATETIME>20230411141240
ACCESSION NUMBER:		0001214659-23-005199
CONFORMED SUBMISSION TYPE:	PX14A6G
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20230411
DATE AS OF CHANGE:		20230411
EFFECTIVENESS DATE:		20230411

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERICAN EXPRESS CO
		CENTRAL INDEX KEY:			0000004962
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				134922250
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		PX14A6G
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-07657
		FILM NUMBER:		23813100

	BUSINESS ADDRESS:	
		STREET 1:		200 VESEY STREET
		STREET 2:		50TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10285
		BUSINESS PHONE:		2126402000

	MAIL ADDRESS:	
		STREET 1:		200 VESEY STREET
		STREET 2:		50TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10285

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Change Finance, PBC
		CENTRAL INDEX KEY:			0001694144
		IRS NUMBER:				813050900
		STATE OF INCORPORATION:			CO
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		PX14A6G

	BUSINESS ADDRESS:	
		STREET 1:		705 GRAND VIEW DR.
		CITY:			ALEXANDRIA
		STATE:			VA
		ZIP:			22305
		BUSINESS PHONE:		831-239-5145

	MAIL ADDRESS:	
		STREET 1:		705 GRAND VIEW DR.
		CITY:			ALEXANDRIA
		STATE:			VA
		ZIP:			22305

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Change Finance, Inc.
		DATE OF NAME CHANGE:	20170110
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">United States Securities and Exchange Commission<BR>
Washington, D.C. 20549</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">NOTICE OF EXEMPT SOLICITATION<BR>
Pursuant to Rule 14a-103</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name of the Registrant: American Express Company</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name of persons relying on exemption: Change Finance, P.B.C.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Address of persons relying on exemption: 705 Grand View Drive, Alexandria,
VA 22305</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Written materials are submitted pursuant to Rule 14a-6(g) (1) promulgated
under the Securities Exchange Act of 1934. Submission is not required of this filer under the terms of the Rule, but is made voluntarily
in the interest of public disclosure and consideration of these important issues.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="changefinance_logo.jpg" ALT="">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PROXY MEMORANDUM</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 1in">TO:</TD><TD>Shareholders of American Express Company</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in">RE:</TD><TD>Item No. 6 (&ldquo;Proposal Relating to Abortion &amp; Consumer Data Privacy&rdquo;)</TD></TR></TABLE>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 1in">DATE:</TD><TD>April, 11, 2023</TD></TR></TABLE>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 1in">CONTACT:</TD><TD>Dorrit Lowsen, Change Finance at shareholder.advocacy@change-finance.com</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>This is not a solicitation of authority to vote your proxy. Please
DO NOT send us your proxy card; Change Finance, P.B.C. is not able to vote your proxies, nor does this communication contemplate such
an event. Change Finance urges shareholders to vote for Item No. 6 following the instructions provided on management's proxy mailing.
</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Change Finance, P.B.C. urges shareholders to <B>vote YES</B> on Item
No. 6 on the 2023 proxy ballot of American Express Company (the &ldquo;Company&rdquo;). The Resolved clause states:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.5in; text-align: justify">Shareholders request that our Board issue
a public report detailing any known and potential risks and costs to the Company of fulfilling information requests regarding American
Express customers for the enforcement of state laws criminalizing abortion access, and setting forth any strategies beyond legal compliance
that the Company may deploy to minimize or mitigate these risks. The report should be produced at reasonable expense, exclude proprietary
or legally privileged information, and be published no later than September 1, 2024.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>About Change Finance, P.B.C. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Change Finance, P.B.C. aims to leverage the power of capital markets
to promote a more just and sustainable world &ndash; a world driven by an economy in service to life.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Change Finance is a long-term shareholder in American Express Company.
We support this shareholder proposal because the Company amasses massive amounts of personal sensitive data but lacks transparency as
to how such data is or may imperil access to reproductive healthcare. In a time when abortion access is criminalized or severely restricted
by half of the states, greater understanding about the Company&rsquo;s data handling practices is warranted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Background on the Proposal</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Reproductive rights are under siege in the United States. States have
passed more than 1,380 restrictions on abortion access since <I>Roe v. Wade</I> &ndash; the U.S. Supreme Court ruling in 1973 that legalized
the procedure.<SUP>1</SUP> Following the reversal of <I>Roe v. Wade</I> in June 2022, twelve states have banned most abortion services
outright.<SUP>2</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The overturning of the protections of <I>Roe v. Wade</I> elevates the
need for the report requested in this Proposal. Law enforcement in abortion-restrictive states have relied on consumer data to investigate
and prosecute individuals who have sought abortion or have provided aid to those who have, and are expected to continue to do so.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Digital reproductive health footprints can be easily accessed by law
enforcement and lead to criminal charges. Meta recently received significant negative press after complying with a data request from a
local Nebraska police department for private Facebook messages between a mother and daughter, who were both subsequently charged with
felony crimes related to the alleged illegal termination of the daughter&rsquo;s pregnancy (for additional examples, see <U>Addendum A</U>).<SUP>3</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>1</SUP> https://tinyurl.com/4az3pce3</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>2</SUP> https://www.nytimes.com/interactive/2022/us/abortion-laws-roe-v-wade.html</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>3</SUP> https://tinyurl.com/msazvebu</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As a nationwide business, American Express amasess large troves of
consumer data. Indeed, the Company has 56.4 million cards in circulation in the United States alone, and has captured nearly a 19% share
of the domestic credit card market.<SUP>4</SUP> Notwithstanding, American Express has been largely silent on the issue of data privacy
following the revocation of constitutional abortion protections. For example, in response to a popular <I>New York Times </I>report in
June 2022 on how payment data could become evidence of illegal abortions, American Express &ldquo;declined to comment.&rdquo;<SUP>5</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Given the nature of the Company&rsquo;s sensitive data, American Express
will be especially vulnerable to law enforcement data requests related to abortion, particularly with respect to interstate conflicts
regarding exercise of reproductive rights in states where abortion remains legal. Americans largely oppose criminalizing abortion, thereby
amplifying the risk of reputational damage that may ensue from the Company&rsquo;s participation in the enforcement of abortion-related
criminal laws. Indeed, a January 2023 national poll from Change Research on behalf of Planned Parenthood reveals that &ldquo;Americans
strongly oppose law enforcement being used to enforce abortion bans.&rdquo;<SUP>6</SUP> Similarly, a May 2023 Kaiser Family Foundation
national survey found that &ldquo;majorities of the U.S. public oppose criminalizing women, doctors, or people who assist those seeking
abortion care.&rdquo;<SUP>7</SUP> According to the Kaiser survey, at least two-thirds of respondents living in certain states threatened
by abortion bans opposed &ldquo;criminalizing doctors for performing abortions (69%), making it a crime for women to cross state lines
to get an abortion (76%), making it a crime for a woman to get an abortion (74%), or allowing private citizens to sue people who provide
or assist in abortions (78%).&rdquo;<SUP>8</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shareholders have reason to be concerned about whether the enforcement
of criminal abortion laws will impact the reputation and financial wellbeing of the Company. The Proposal therefore calls upon management
to examine the risks associated with the Company&rsquo;s current data handling practices, including its response to government information
requests, in the face of new restrictive abortion laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Rationale in Support of the Proposal</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">1.</TD><TD>The Company&rsquo;s data handling policies are unclear, inconsistent, and incomplete.</TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">2.</TD><TD>American Express does not offer transparency reporting regarding data privacy.</TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">3.</TD><TD>The Company collects sensitive consumer information beyond credit card usage data that may be vulnerable to abortion-related prosecutions.</TD></TR></TABLE>

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<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">4.</TD><TD>Regulatory and legal compliance is insufficient to minimize privacy risks related to reproductive healthcare.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>4</SUP> https://www.zippia.com/american-express-careers-566/statistics/</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>5</SUP> https://www.nytimes.com/2022/06/29/business/payment-data-abortion-evidence.html</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>6</SUP> https://changeresearch.com/wp-content/uploads/2023/01/PPFA-_-Poll-Results-January-2023-1.pdf</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>7</SUP> https://www.kff.org/womens-health-policy/poll-finding/kff-health-tracking-poll-views-knowledge-abortion-2022/</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>8</SUP> <I>Id.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The Company&rsquo;s data handling policies are unclear, inconsistent,
and incomplete</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Consumers interact with American Express in a number of ways governed
by different privacy policies that are unclear, vague, and incomplete.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Credit card transactions</U>. According to the Company&rsquo;s <I>Privacy
Notice </I>for consumer products, American Express retains personal information from credit card users such as, among other things, &ldquo;transaction
history and account history.&rdquo;<SUP>9</SUP> It states that personal user data may be shared in response to &ldquo;legal investigations.&rdquo;
These investigations could include legal actions related to abortion as initiated by law enforcement agencies or those seeking to take
advantage of &ldquo;vigilante abortion laws,&rdquo; which incentivize citizens with a cash bounty if they succeed in suing individuals
who have helped a person get an illegal abortion (such as Texas SB 8, enacted in 2021).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Online interactions with consumers</U>. Consumers may interact with
American Express online to research information, engage with the Company on social media, or make payments on their credit card bills.
According to the Company&rsquo;s <I>Online Privacy Statement</I>, the Company may collect personal information from online interactions
with consumers, including an individual&rsquo;s general location, IP addresses, browsing history, and geolocation.<SUP>10</SUP> However,
similar to how it shares credit card data, American Express may provide personal online information to law enforcement in order to comply
with government data requests.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">While there are constitutional safeguards against government intrusions,
these safeguards do not protect consumers who voluntarily share information with a third party. Since American Express gathers explicit
or implicit consent from its credit card users and online consumers, law enforcement officials can generally ask the Company to hand over
consumer data with a simple request such as a letter from an official government email address or a subpoena, neither of which are reviewed
by a judge to ensure that the request is legally sound. However, American Express is not <I>required</I> to hand over the data unless
the data request is made pursuant to a judicially enforceable order like a search warrant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>American Express has failed to clarify if law enforcement data
requests must be accompanied by a court order or if the Company could voluntarily share the data.</I></B> For instance, could the Company
disclose information about a transaction made at a reproductive healthcare facility in response to a letter from a police department seeking
evidence in connection with an illegal abortion, even if the request has not been reviewed or approved by a judge? Financial institutions
like PayPal and Salesforce have confirmed they will only respond to law enforcement requests when legally required to.<SUP>11</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>_____________________________</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I><SUP>9</SUP></I> https://www.americanexpress.com/content/dam/amex/us/company/Privacy/Personal-Charge_5.2021.pdf</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I><SUP>10</SUP></I> https://www.americanexpress.com/us/company/privacy-center/online-privacy-disclosures/</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>11</SUP> https://www.paypal.com/us/legalhub/privacy-full (PayPal);
https://tinyurl.com/mr2rkue6 (Salesforce)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Without clear disclosures regarding the Company&rsquo;s data sharing
practices, American Express consumers and investors are left puzzled as to how this data may be used for the enforcement of abortion related
laws that could result in significant financial penalties and prison time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>American Express does not offer transparency reporting regarding
data privacy, exposing the Company to financial and reputational risks</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">A recent empirical study in the <I>Journal of Marketing</I> showed
that vulnerabilities concerning the misuse of commercial data can generate negative outcomes for businesses, including negative abnormal
stock returns and damaging customer behaviors such as negative word of mouth and switching to a close business rival.<SUP>12</SUP> These
findings could apply to data vulnerabilities from actual and potential disclosures of abortion-related data to law enforcement, thereby
amplifying consumer worries about data misuse. Consequently, corporations collecting large troves of consumer data, such as American Express,
are likely exposing themselves to higher financial and reputational risks. Apropos to the current Proposal, the study found that data
transparency, among other things, can alleviate these detrimental effects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">American Express does not publish transparency reporting regarding
data privacy, in contrast to many other publicly traded companies that do offer transparency reporting specifically on the issue of government
data requests. Meta, Amazon and Google offer such reporting semiannually, which includes details on the types of requests, compliance
rates and jurisdictional information.<SUP>13</SUP> This information would be extremely helpful for investors to make determinations about
the Company&rsquo;s risk exposure as well as serve as an accountability tool. In turn, consumers would gain more assurances that American
Express respects the privacy of their data.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Why a YES Vote is Warranted: A Response to the American Express
Opposition Statement</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In opposing the Proposal, the Company states its data management practices
are readily accessible online. Yet as we have described above, these privacy disclosures lack critical information, especially about the
Company&rsquo;s ability to share consumer data for law enforcement purposes. American Express has not updated its online privacy notices
since before the U.S. Supreme Court revoked constitutional abortion rights in June 2022.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>12</SUP> <I>See</I> Kelly D. Martin et al., <I>Data Privacy: Effects
on Customer and Firm Performance</I>, 81.1 Journal of Marketing at 36-58 (2017), https://doi.org/10.1509/jm.15.0497</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>13</SUP> https://transparency.fb.com/data/government-data-requests/
(Meta); https://tinyurl.com/y37bzv97(Amazon); https://transparencyreport.google.com/?hl=en_US (Google).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Company further provides that it receives limited information from
credit card purchases and is required to comply with laws regulating government data requests and data retention. However, existing privacy
regulations may not be sufficient to minimize the privacy risks contemplated by the Proposal. In addition, the laws cited by the Company
purportedly limiting the ability to improve its data handling practices either regulate only one type of data (financial information)
or are irrelevant to the concerns of this Proposal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The Company collects sensitive consumer information beyond credit
card usage data that may be vulnerable to abortion-related prosecutions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">According to the Company&rsquo;s opposition statement, it &ldquo;does
not have information about what a customer is purchasing with their cards&rdquo; such as &ldquo;product-level&rdquo; data that would reveal
the actual products or services purchased by the card user. However, the Company confirms retaining data about &ldquo;the monetary amount
of the transactions and the merchant where the transaction occurred.&rdquo; Such information alone would be extremely useful for the enforcement
of criminal abortion laws. For example, information about a purchase on a specific date at a reproductive healthcare facility could serve
as one piece of evidence indicating that a customer visited that facility for abortion-related purposes. Information about a purchase
made at an out-of-state pharmacy, could be used by law enforcement as evidence indicating that the customer purchased abortifacients in
a state where abortion is legal but took the medication in a state where the procedure is criminalized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In addition to transactional information, American Express collects
data from its online interactions with consumers, as described above. Some of this data is deeply sensitive and personal and could also
serve as evidence that a person aided, provided or received an illegal abortion. For instance, the Company could collect data related
to searches related to reproductive health data and privacy (e.g., &ldquo;Will the American Express monthly statement show that I went
to Planned Parenthood?&rdquo;) or about a consumer&rsquo;s geolocation at a reproductive healthcare clinic. Whether this data could indeed
produce such information or actually place a consumer at risk of abortion-related prosecution is exactly what the Proposal urges American
Express to evaluate as part of the requested risk analysis report.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Regulatory and legal compliance is insufficient to minimize privacy
risks related to reproductive healthcare</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Data privacy laws in the United States are considered by many experts
to be lacking in scope and woefully outdated. In fact, there is no single, comprehensive federal law regulating how companies collect,
store, or share customer data. In opposing the Proposal, the Company points to two federal laws to essentially say it is severely limited
in its ability to enhance its consumer privacy protection or is otherwise required to adopt some of the mitigation measures discussed
in the Proposal. Yet the Company again ignores the totality of the data at issue and misleading cites to a law that is irrelevant to the
concerns raised by investors in this Proposal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B><I>1.</I></B></TD><TD><B><I>Privacy safeguards like deletion rights could be applied to consumer non-financial data </I></B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Federal banking institutions are covered by the Gramm-Leach-Bliley
Act (&ldquo;GLBA&rdquo;), which requires retention of certain data such as financial transactional data. However, the types of consumer
information at issue in the Proposal extend beyond transactional credit card data to cover other types of non-financial data such as online
consumer information. As previously described, law enforcement could potentially use a customer&rsquo;s browsing history to verify if
there are any abortion-related searches, or the location of a customer&rsquo;s cellphone to identify whether the customer was near a reproductive
healthcare clinic at a specific time (see <U>Addendum A</U> for examples of this type of law enforcement conduct). As such, deletion rights
akin to those provided by the California Consumer Privacy Act could still be applicable to data that is not governed by the GLBA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Most companies doing business in California, Virginia and the European
Union are also required to provide consumers with &ldquo;deletion rights,&rdquo; as contemplated by the Proposal.<SUP>14</SUP> Deletion
rights generally grant consumers the ability to have personal information erased in instances where the business is not required to maintain
the data. Implementing a sustainable data deletion program can help American Express reinforce its standards and governance for data deletion,
meet regulatory requirements, reduce the risk of data breaches, and improve data hygiene overall.<SUP>15</SUP> Since <B>American Express
already complies with data deletion requirements under California and Virginia law</B>, applying deletion rights nationwide could be a
feasible and cost-effective mitigation measure to the problems raised identified in the Proposal. In fact, <B>other financial institutions
like Mastercard and PayPal have expanded deletion rights to consumers nationwide</B>.<SUP>16</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">2.</TD><TD><B><I>Stronger data privacy protections could reduce risks associated with the Company&rsquo;s data handling practices in the wake
of newly-enacted abortion laws</I></B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As the <I>New York Times </I>reports, &ldquo;[t]he data collected by
the vast majority of products people use every day isn&rsquo;t regulated.&rdquo;<SUP>17</SUP> In most states, companies can use, share,
or sell most data they collect about consumers without notifying them that the company is doing so. There is no federal law standardizing
when (or if) a company must notify consumers if their data is breached or exposed to unauthorized parties. If a company shares certain
consumer data &ndash; including sensitive information such as an individual&rsquo;s location &ndash; with third parties (e.g., advertisers
or data brokers), those third parties can often sell the data or share it without notifying the affected consumers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>14</SUP> https://oag.ca.gov/privacy/ccpa (California); https://law.lis.virginia.gov/vacodefull/title59.1/chapter53/
(Virginia); https://gdpr-info.eu/art-17-gdpr/ (European Union)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>15</SUP> https://www.grantthornton.com/insights/articles/advisory/2020/how-data-deletion-empowers-data-protection</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>16</SUP> https://tinyurl.com/yck8twbp (Mastercard); https://www.paypal.com/us/legalhub/privacy-full
(PayPal).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I><SUP>17</SUP></I> https://www.nytimes.com/wirecutter/blog/state-of-privacy-laws-in-us/</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As a result of this lax regulatory environment, many businesses have
implemented firmer privacy practices that more fully protect consumers from nefarious data uses and increase brand trust. One such practice
is abiding by the principle of &ldquo;data minimization,&rdquo; in which companies only collect personal data that is strictly necessary
for delivering the service a user is expecting to receive, and use it for only that purpose.<SUP>18</SUP> Data minimization is already
a legal requirement for certain companies doing business in the European Union.<SUP>19</SUP> As a result of data minimization, companies
amass less information that may be subject to law enforcement information requests or shared with third parties seeking to participate
in the enforcement of abortion-restrictive laws. Notably, <B>data minimization would also reduce the Company&rsquo;s liability, reputational
risk exposure, and storage costs.<SUP>20</SUP> American Express has nonetheless failed to disclose in its various privacy policies whether
it abides by this principle.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Privacy experts further recommend that in order to protect consumers
from being targets of abortion-related prosecutions, <B>companies should employ data security measures such as data encryption, de-identification,
and anonymization</B>.<SUP>21</SUP> Encryption is the process of converting information or data into a code, especially to prevent unauthorized
access. De-identification entails segregating personally identifiable data like names and addresses from sensitive data that the company
stores. Anonymization protects private or sensitive information by erasing identifiers that connect an individual to stored data. It is
unclear whether these measures could be applied to consumer information contemplated in the Proposal such as data collected in the American
Express website. The requested report would advise investors whether such measures indeed provide material benefits to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>In sum, we believe that implementing the requested report will help
ensure that American Express does more to monitor its data handling practices so that they do not expose consumers to serious risks stemming
from abortion-related criminal prosecutions, thereby eroding shareholder value by diminishing the Company&rsquo;s reputation, consumer
loyalty, brand, and values. </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Vote &ldquo;Yes&rdquo; on Shareholder Item No. 6.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>For questions, please contact shareholder.advocacy@change-finance.com.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>The foregoing information should not be construed as investment
advice.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>_____________________________</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I><SUP>18</SUP></I> https://pirg.org/articles/do-you-know-where-your-data-is-because-facebook-doesnt/</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I><SUP>19</SUP></I> https://www.business.com/articles/how-to-apply-data-minimization/</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I><SUP>20</SUP></I> https://tinyurl.com/2p92fr8t</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I><SUP>21</SUP></I> https://www.securitymagazine.com/articles/98414-privacy-and-data-protection-in-the-wake-of-dobbs</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>ADDENDUM A:</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Examples of harms from companies sharing reproductive
health-related data with third parties without consumer consent</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Facebook data used to prosecute Nebraska mother, daughter after
alleged abortion</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Aaron Sanderford for the <I>Nebraska Examiner</I> (Aug. 10, 2022),
https://tinyurl.com/2etavr8t</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In 2022, Meta complied with a data request from a local Nebraska police
department for private Facebook messages between a mother and daughter, who were both subsequently charged with felony crimes related
to the alleged illegal termination of the daughter&rsquo;s pregnancy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Surveilling the Digital Abortion Diary,</I></B> by Cynthia Conti-Cook</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">University of Baltimore Law Review (Oct. 2020), https://tinyurl.com/49wcm5uy</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In 2017, a woman in Mississippi experienced an at-home pregnancy loss.
A grand jury later indicted her for second-degree murder, based in part on her online search history, which recorded that she had looked
up how to induce a miscarriage.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Is your pregnancy app sharing your intimate data with your boss?</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Drew Harwell for <I>The Washington Post </I>(Apr. 10, 2019), https://tinyurl.com/57mrfs3n</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">A 2019 report revealed that pregnancy app Ovia Health sold user health
data to their employers, without user consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Patel v State of Indiana</I>, 60 N.E.3d 1041 (2016)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">https://www.leagle.com/decision/ininco20160722184</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In 2013, a woman was sentenced to twenty years in prison for &ldquo;neglect
of a dependent and feticide&rdquo; after taking abortion pills she purchased online. Evidence presented against her at trial included
online research she conducted, the email confirmation she received from internationaldrugmart.com, and unencrypted text messages to a
friend about her relationship, becoming pregnant, and the pills she purchased.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>These Companies Know When You're Pregnant&mdash;And They're Not
Keeping It Secret</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shoshana Wodinsky &amp; Kyle Barr for <I>Gizmodo</I> (Jul. 30, 2022),
https://tinyurl.com/mthv8jzc</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In 2022, <I>Gizmodo</I> identified 32 brokers selling data on 2.9 billion
profiles of U.S. residents pegged as &quot;actively pregnant&quot; or &quot;shopping for maternity products.&quot;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Websites Selling Abortion Pills Are Sharing Sensitive Data With
Google</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Jennifer Gollan for ProPublica (Jan. 18, 2023), https://tinyurl.com/3ty8cb45</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">A 2023 investigation by <I>ProPublica</I> found online pharmacies that
sell abortion medication such as mifepristone and misoprostol are sharing sensitive data, including users' web addresses, relative location,
and search data, with Google and other third-party sites &mdash; which allows the data to be recoverable through law-enforcement requests.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Federal Trade Commission v Kochava, Inc.</I></B> (Aug. 29, 2022),
https://tinyurl.com/ywbffb4b</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In 2022, the Federal Trade Commission sued Kochava &ndash; a data analysis
platform primarily used by companies for marketing purposes &ndash; for selling data that tracks people at reproductive health clinics,
places of worship, and other sensitive locations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">THE FOREGOING INFORMATION MAY BE DISSEMINATED TO SHAREHOLDERS VIA TELEPHONE,
U.S. MAIL, E-MAIL, CERTAIN WEBSITES AND CERTAIN SOCIAL MEDIA VENUES, AND SHOULD NOT BE CONSTRUED AS INVESTMENT ADVICE OR AS A SOLICITATION
OF AUTHORITY TO VOTE YOUR PROXY. THE COST OF DISSEMINATING THE FOREGOING INFORMATION TO SHAREHOLDERS IS BEING BORNE ENTIRELY BY THE FILER
OF THIS SOLICITATION. PROXY CARDS WILL NOT BE ACCEPTED. PLEASE DO NOT SEND YOUR PROXY TO TARA HEALTH FOUNDATION. TO VOTE YOUR PROXY, PLEASE
FOLLOW THE INSTRUCTIONS ON YOUR PROXY CARD.</P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
