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From: "American Express" <AmericanExpress@email.americanexpress.com>
To: "tjphuhs@gmail.com" <tjphuhs@gmail.com>
Date: 18 Mar 2026 14:05:42 +0000
Subject: The APY on your High Yield Savings Account has changed
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The APY on your High Yield Savings Account has changed=0A=0AAmeri=
can Express =0Ahttp://l.email.americanexpress.com/rts/go2.aspx?t=3D=
3107991&tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z59rr-lD3fDt1Oa2-=
22kIsc&pi=3D7wqSOy6xl7S8bei2rJ3pT0V0KSTUr-11bcuYPHviN2U =0A=0A Do=
n't Live Life Without It =0Ahttp://l.email.americanexpress.com/rt=
s/go2.aspx?t=3D3107991&tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z5=
9rr-lD3fDt1Oa2-22kIsc&pi=3D7wqSOy6xl7S8bei2rJ3pT0V0KSTUr-11bcuYPH=
viN2U =0A=0AAmerican Express Savings=0AAccount ending: 4653 =0A=0A=
The APY on your High Yield Savings Account has changed=0A=0AHi Ti=
mothy,=0A=0AWe are writing to let you know that the Annual Percen=
tage Yield=0A(APY) on your High Yield Savings Account has been ad=
justed to =0A3.20%(1) as of 3/18/2026.=0A=0AWe remain committed t=
o offering competitive rates on our savings=0Aproducts with our H=
igh Yield Savings Account, which is one reason=0Aour APY is 8X ab=
ove the national average(2). You can view=0Ayour current rate and=
 manage your account online and in the=0AAmerican Express=C2=AE A=
pp(3).=0A=0ARest assured, you will continue to get what you have =
come to=0Aexpect from your Savings account with American Express =
National=0ABank:=0A=0A* FDIC Insured=0A* No monthly fees=0A* 24/7=
 Customer Support=0A=0AWe value our relationship with you and tha=
nk you for choosing=0AAmerican Express=C2=AE Savings.=0A=0ASincer=
ely,=0AAmerican Express National Bank=0A=0ADon't Live Life Withou=
t It=0Ahttp://l.email.americanexpress.com/rts/go2.aspx?t=3D310799=
1&tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z59rr-lD3fDt1Oa2-22kIsc=
&pi=3D7wqSOy6xl7S8bei2rJ3pT0V0KSTUr-11bcuYPHviN2U =0A=0APrivacy s=
tatement :=0Ahttp://l.email.americanexpress.com/rts/go2.aspx?t=3D=
3107992&tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z59rr-lD3fDt1Oa2-=
22kIsc&pi=3D7wqSOy6xl7S8bei2rJ3pT0V0KSTUr-11bcuYPHviN2U =0A=0ACon=
tact us :=0Ahttp://l.email.americanexpress.com/rts/go2.aspx?t=3D3=
107993&tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z59rr-lD3fDt1Oa2-2=
2kIsc&pi=3D7wqSOy6xl7S8bei2rJ3pT0V0KSTUr-11bcuYPHviN2U =0A=0AAdd =
us to your address book :=0Ahttp://l.email.americanexpress.com/rt=
s/go2.aspx?t=3D3107994&tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z5=
9rr-lD3fDt1Oa2-22kIsc&pi=3D7wqSOy6xl7S8bei2rJ3pT0V0KSTUr-11bcuYPH=
viN2U =0A=0AAccounts offered by American Express National Bank. M=
ember FDIC.=0AYour account information is included above to help =
you recognize=0Athis as a customer care email from American Expre=
ss. To learn=0Amore about email security or report a suspicious e=
mail, please=0Avisit us at our Security Center :=0Ahttp://l.email=
.americanexpress.com/rts/go2.aspx?t=3D3107995&tp=3Di-1NGB-Km-14bA=
-1ZB3uN-1w-30ydj-1c-1Z59rr-lD3fDt1Oa2-22kIsc&pi=3D7wqSOy6xl7S8bei=
2rJ3pT0V0KSTUr-11bcuYPHviN2U=0AWe kindly ask you not to reply to =
this email but instead contact=0Aus via Customer Care.=0Ahttp://l=
.email.americanexpress.com/rts/go2.aspx?t=3D3107996&tp=3Di-1NGB-K=
m-14bA-1ZB3uN-1w-30ydj-1c-1Z59rr-lD3fDt1Oa2-22kIsc&pi=3D7wqSOy6xl=
7S8bei2rJ3pT0V0KSTUr-11bcuYPHviN2U=0A=0A1. The Annual Percentage =
Yield (APY) as advertised is=0Aaccurate as of 3/18/2026. Interest=
 rate and APY are subject to=0Achange at any time without notice =
before and after a High Yield=0ASavings Account is opened. Intere=
st Rate and APY of a Certificate=0Aof Deposit account is fixed on=
ce the account is funded. There is=0Ano minimum balance required =
to open your Account, to avoid being=0Acharged a fee, or to obtai=
n the Annual Percentage Yield (APY) =0Adisclosed to you.=0A=0A2. =
The national rate referenced is from the FDIC's published=0Amonth=
ly National Rates and Rate Caps information for Savings=0Adeposit=
s products. Visit the FDIC website :=0Ahttp://l.email.americanexp=
ress.com/rts/go2.aspx?t=3D3107997&tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-3=
0ydj-1c-1Z59rr-lD3fDt1Oa2-22kIsc&pi=3D7wqSOy6xl7S8bei2rJ3pT0V0KST=
Ur-11bcuYPHviN2U=0Afor details.=0A=0A3. iOS and Android(TM) only.=
 See app store listings for=0Aoperating system info=0A=0A=C2=A9 2=
026 American Express. All rights reserved. =0A=0A=0A=0A
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<div aria-label=3D"[subject]" lang=3D"en" role=3D"article" style=3D=
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weight: normal; font-size: 15px; line-height: 22px;">=0A<table bo=
rder=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"none" styl=
e=3D"background:#d9d9d6" width=3D"100%">=0A<tbody>=0A<tr>=0A<td a=
lign=3D"center"><!-- START: EMAIL CONTENT CONTAINER -->=0A<table =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"contain=
er" role=3D"none" style=3D"width:620px;background:#ffffff" width=3D=
"620">=0A<tbody>=0A<tr>=0A<td><!-- Hero Banner and Content Module=
s Start here --><!-- START: Consumer Default-v4.0 -->=0A<table bg=
color=3D"#FFFFFF" border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" role=3D"none" width=3D"100%">=0A<tbody>=0A<tr>=0A<td class=3D"p=
d10" style=3D"border-bottom: solid 1px #D9D9D6;padding:20px;">=0A=
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"n=
one" width=3D"100%">=0A<tbody>=0A<tr>=0A<td style=3D"width: 137px=
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g=3D"0" cellspacing=3D"0" role=3D"none" width=3D"100%">=0A<tbody>=
=0A<tr>=0A<td class=3D"bp-logo" style=3D"width: 60px;" width=3D"6=
0"><a  href=3D"http://l.email.americanexpress.com/rts/go2.aspx?h=3D=
3107991&tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z59rr-lD3fDt1Oa2-=
22kIsc&pi=3D7wqSOy6xl7S8bei2rJ3pT0V0KSTUr-11bcuYPHviN2U" data-lin=
k-name=3D"amex3"  target=3D"_blank"><img alt=3D"American Express"=
 class=3D"bp-logo" src=3D"https://i.email.americanexpress.com/wpm=
/1288/PS/6645550_change-amex_logo-120x120.png" style=3D"width:60p=
x;height:auto;color:#333333;" width=3D"60" /> </a></td>=0A<td cla=
ss=3D"mobile-off" style=3D"padding-left: 5px" width=3D"90"><a  hr=
ef=3D"http://l.email.americanexpress.com/rts/go2.aspx?h=3D3107991=
&tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z59rr-lD3fDt1Oa2-22kIsc&=
pi=3D7wqSOy6xl7S8bei2rJ3pT0V0KSTUr-11bcuYPHviN2U" data-link-name=3D=
"amex3"  target=3D"_blank"><img alt=3D"Don't Live Life Without It=
" src=3D"https://i.email.americanexpress.com/wpm/1288/PS/6645550_=
change-dllwi-61x37.png" style=3D"width:85px;height:auto;color:#33=
3333;" width=3D"85" /> </a></td>=0A</tr>=0A</tbody>=0A</table>=0A=
</td>=0A<td align=3D"right" valign=3D"top">=0A<p class=3D"bp-text=
" style=3D"color: #333333; font-size: 15px; line-height: 22px;">A=
merican Express Savings<br />=0A<span>Account ending: 4653 </span=
></p>=0A</td>=0A</tr>=0A</tbody>=0A</table>=0A</td>=0A</tr>=0A</t=
body>=0A</table>=0A<!-- END: Consumer Default-v4.0 --><!-- END: H=
B15-v4.0 Full Width Hero --><!-- START: ID=3DIM16-v4.0 Background=
 Image Over Split Background -->=0A=0A<table border=3D"0" cellpad=
ding=3D"0" cellspacing=3D"0" role=3D"none" style=3D"background: #=
F7F8F9;" width=3D"100%">=0A<tbody>=0A<tr>=0A<td>=0A  =0A<table ro=
le=3D"none" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" widt=
h=3D"100%" bgcolor=3D"#006FCF">=0A  <tr>=0A  <td align=3D"left" c=
lass=3D"bg-hero full-width height-auto" height=3D"160" style=3D"b=
ackground-color:#006FCF !important; background:url('https://i.ema=
il.americanexpress.com/wpm/1288/Images/24-AMX-0140_IRA_Sunset_Non=
_CD/hero_d_wsp.png') no-repeat; background-size: 620px 160px;" va=
lign=3D"bottom" width=3D"620"><!--[if gte mso 9]>=0A         <v:i=
mage xmlns:v=3D"urn:schemas-microsoft-com:vml" fill=3D"true" stro=
ke=3D"false" style=3D"border: 0;display: inline-block; width: 620=
px; height: 160px;" src=3D"https://i.email.americanexpress.com/wp=
m/1288/Images/24-AMX-0140_IRA_Sunset_Non_CD/hero_d_wsp.png" />=0A=
         <v:rect xmlns:v=3D"urn:schemas-microsoft-com:vml" fill=3D=
"true" stroke=3D"false" style=3D"border: 0;display: inline-block;=
position: absolute; width: 620px; height:160px;">=0A         <v:f=
ill opacity=3D"0%" color=3D"#006FCF" />=0A         <v:textbox ins=
et=3D"0,0,0,0">=0A         <![endif]-->=0A=0A=0A      <table bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"none" width=3D=
"100%">=0A<tbody>=0A<tr>=0A<th align=3D"left"  style=3D"padding:0=
 0 0 0; line-height:1px; font-size:1px; width: 40px;" valign=3D"t=
op" width=3D"40"></th>=0A<th class=3D"full-width-block center-tex=
t" style=3D"padding:0 0 0 0;"><img alt=3D"chart" height=3D"59" sr=
c=3D"https://i.email.americanexpress.com/wpm/1288/PS/6645550_chan=
ge-info_icon-60x60.png" width=3D"59" /></th>=0A<th class=3D"full-=
width-block center-text height-auto" height=3D"140" style=3D"heig=
ht: 140px;">=0A<h2 style=3D"padding: 10px 0 20px 0; font-family: =
Helvetica Neue, HelveticaNeue, Helvetica, Arial, sans-serif; font=
-size: 26px; line-height: 30px; color: #ffffff; font-weight: norm=
al;">=0AThe APY on your High Yield Savings Account has changed=0A=
</h2>=0A</th>=0A<th align=3D"left"  style=3D"padding:0 0 0 0; lin=
e-height:1px; font-size:1px; width: 40px;" valign=3D"top" width=3D=
"40"></th>=0A</tr>=0A</tbody>=0A</table>=0A<!--[if gte mso 9]>=0A=
              </v:textbox>=0A              </v:rect>=0A          =
    <![endif]--></td>=0A  </tr>=0A</table>=0A=0A=0A=0A=0A=0A=0A</=
td>=0A</tr>=0A</tbody>=0A</table>=0A<!-- END: IM16-v4.0 Backgroun=
d Image Over Split Background --><!-- START: ID=3DTM02-v4.0 Full =
Width Text Left Aligned -->=0A=0A<table border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" role=3D"none" width=3D"100%">=0A<tbody>=0A<=
tr>=0A<td style=3D"padding: 34px 40px 5px; font-family: Helvetica=
 Neue, HelveticaNeue, Helvetica, Arial, sans-serif;">=0A<p style=3D=
"padding: 10px 0 10px;color: #333333; font-size: 15px; line-heigh=
t: 22px;">Hi Timothy,</p>=0A=0A<p style=3D"padding: 5px 0 15px;co=
lor: #333333; font-size: 15px; line-height: 22px;">We are writing=
 to let you know that the Annual Percentage Yield (APY) on=0Ayour=
 High Yield Savings Account has been adjusted to 3.20%&sup1; as o=
f 3/18/2026.=0A</p>=0A=0A<p style=3D"padding: 10px 0 10px;color: =
#333333; font-size: 15px; line-height: 22px;">We remain committed=
 to offering competitive rates on our savings products with our H=
igh Yield Savings Account, which is one reason our APY is 8X abov=
e the national average&sup2;. You can view your current rate and =
manage your account online and in the American Express<sup>&reg;<=
/sup> App&sup3;.</p>=0A=0A<p style=3D"padding: 10px 0 10px;color:=
 #333333; font-size: 15px; line-height: 22px;">Rest assured, you =
will continue to get what you have come to expect from your Savin=
gs account with American Express National Bank:</p>=0A=0A<p style=
=3D"padding: 0 0 10px;color: #333333; font-size: 15px; line-heigh=
t: 22px; ">=0A=0A=0A<ul style=3D"padding-left: 30px; color: #3333=
33; font-size: 15px; line-height: 22px;">=0A  <li>FDIC Insured=0A=
=0A</li>=0A  <li>No monthly fees</li>=0A<li>24/7 Customer Support=
</li>=0A  =0A</ul>=0A=0A                              </p> =0A=0A=
<p style=3D"padding: 10px 0 10px;color: #333333; font-size: 15px;=
 line-height: 22px; font-weight: normal;">We value our relationsh=
ip with you and thank you for choosing American Express<sup>&reg;=
</sup>  Savings.</p>=0A=0A<p style=3D"padding: 20px 0 20px;color:=
 #333333; font-size: 15px; line-height: 22px;font-weight: bold;">=
<strong>Sincerely,</strong></p>=0A=0A<p style=3D"padding: 0 0 20p=
x 0;color: #333333; font-size: 15px; line-height: 22px;"><strong>=
American Express National Bank</strong></p>=0A=0A=0A</td>=0A</tr>=
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eft Aligned --><!--START: ID=3DFM05-v4.0 Footer Tagline -->=0A=0A=
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>=0A<td align=3D"center"><a  href=3D"http://l.email.americanexpre=
ss.com/rts/go2.aspx?h=3D3107991&tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-30y=
dj-1c-1Z59rr-lD3fDt1Oa2-22kIsc&pi=3D7wqSOy6xl7S8bei2rJ3pT0V0KSTUr=
-11bcuYPHviN2U" data-link-name=3D"amex3"  target=3D"_blank"><img =
alt=3D"Don't Live Life Without It" class=3D"full-width-block" src=
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0px 15px;" valign=3D"top">=0A<table border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" role=3D"none" width=3D"100%">=0A<tbody>=0A<tr=
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0 10px;"><a  href=3D"http://l.email.americanexpress.com/rts/go2.a=
spx?h=3D3107992&tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z59rr-lD3=
fDt1Oa2-22kIsc&pi=3D7wqSOy6xl7S8bei2rJ3pT0V0KSTUr-11bcuYPHviN2U" =
data-link-name=3D"amex6"  style=3D"color: #006FCF; font-family: H=
elvetica Neue, HelveticaNeue, Helvetica, Arial, sans-serif; font-=
weight: normal; font-size: 15px; line-height: 22px; text-decorati=
on: none;" target=3D"_blank">Privacy statement</a></th>=0A<th cla=
ss=3D"fm-nav-link full-width-block fm-border" style=3D"padding: 0=
 10px;"><a  href=3D"http://l.email.americanexpress.com/rts/go2.as=
px?h=3D3107993&tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z59rr-lD3f=
Dt1Oa2-22kIsc&pi=3D7wqSOy6xl7S8bei2rJ3pT0V0KSTUr-11bcuYPHviN2U" d=
ata-link-name=3D"amex5"  style=3D"color: #006FCF; font-family: He=
lvetica Neue, HelveticaNeue, Helvetica, Arial, sans-serif; font-w=
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n: none;">Contact us</a></th>=0A<th class=3D"fm-nav-link full-wid=
th-block fm-border" style=3D"padding: 0 10px;"><a  href=3D"http:/=
/l.email.americanexpress.com/rts/go2.aspx?h=3D3107994&tp=3Di-1NGB=
-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z59rr-lD3fDt1Oa2-22kIsc&pi=3D7wqSOy6=
xl7S8bei2rJ3pT0V0KSTUr-11bcuYPHviN2U" data-link-name=3D"amex2"  s=
tyle=3D"color: #006FCF; font-family: Helvetica Neue, HelveticaNeu=
e, Helvetica, Arial, sans-serif; font-weight: normal; font-size: =
15px; line-height: 22px; text-decoration: none;" target=3D"_blank=
">Add us to your address book</a></th>=0A</tr>=0A</tbody>=0A</tab=
le>=0A</td>=0A</tr>=0A</tbody>=0A</table>=0A<!-- END: FM03-v4.0 F=
ooter Nav Bar --><!--START: ID=3DFM04-v4.0 Terms and Conditions -=
->=0A=0A<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" r=
ole=3D"none" style=3D"background:#D9D9D6" width=3D"100%">=0A<tbod=
y>=0A<tr>=0A<td style=3D"padding: 16px 10px; color: #53565A; font=
-family: Helvetica Neue, HelveticaNeue, Helvetica, Arial, sans-se=
rif; font-size: 13px; line-height: 18px;">=0A<p>=0AAccounts offer=
ed by American Express National Bank. Member FDIC.<br />=0A<br />=
=0AYour account information is included above to help you recogni=
ze this as a customer care email from American Express. To learn =
more about email security or report a suspicious email, please vi=
sit us at our <a  href=3D"http://l.email.americanexpress.com/rts/=
go2.aspx?h=3D3107995&tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z59r=
r-lD3fDt1Oa2-22kIsc&pi=3D7wqSOy6xl7S8bei2rJ3pT0V0KSTUr-11bcuYPHvi=
N2U" data-link-name=3D"amex7"  style=3D"text-decoration: none!imp=
ortant;color:#006FCF;" target=3D"_blank">Security Center</a>. We =
kindly ask you not to reply to this email but instead contact us =
via <a  href=3D"http://l.email.americanexpress.com/rts/go2.aspx?h=
=3D3107996&tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z59rr-lD3fDt1O=
a2-22kIsc&pi=3D7wqSOy6xl7S8bei2rJ3pT0V0KSTUr-11bcuYPHviN2U" data-=
link-name=3D"amex4"  style=3D"text-decoration: none!important;col=
or:#006FCF;" target=3D"_blank">Customer Care</a>.<br />=0A<br />=0A=
&sup1; The Annual Percentage Yield (APY) as advertised is accurat=
e as of 3/18/2026. Interest rate and APY are subject to change at=
 any time without notice before and after a High Yield Savings Ac=
count is opened. Interest Rate and APY of a Certificate of Deposi=
t account is fixed once the account is funded. There is no minimu=
m balance required to open your Account, to avoid being charged a=
=0Afee, or to obtain the Annual Percentage Yield (APY) disclosed =
to you.<br />=0A<br />=0A&sup2; The national rate referenced is f=
rom the FDIC's published monthly National Rates and Rate Caps inf=
ormation for Savings deposits products. Visit the <a  href=3D"htt=
p://l.email.americanexpress.com/rts/go2.aspx?h=3D3107997&tp=3Di-1=
NGB-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z59rr-lD3fDt1Oa2-22kIsc&pi=3D7wqS=
Oy6xl7S8bei2rJ3pT0V0KSTUr-11bcuYPHviN2U" data-link-name=3D"amex1"=
  style=3D"text-decoration: none!important;color:#006FCF;" target=
=3D"_blank">FDIC website</a> for details.<br />=0A<br />=0A&sup3;=
 iOS and Android&trade; only. See app store listings for operatin=
g system info=0A=0A<br />=0A<br />=0A&copy; 2026 American Express=
. All rights reserved.=0A=0A</p>=0A=0A</td>=0A</tr>=0A</tbody>=0A=
</table>=0A<!--END: FM04-v4.0 Terms and Conditions --><!-- Hero B=
anner and Content Modules Start Here --><!-- Hero Banner and Cont=
ent Modules end here --></td>=0A</tr>=0A</tbody>=0A</table>=0A</t=
d>=0A</tr>=0A</tbody>=0A</table>=0A</div>=0A<!-- // SAMSUNG EMAIL=
 MARGIN FIX (insert above closing BODY tag) --></div>=0A</td>=0A<=
/tr>=0A</tbody>=0A</table>=0A<!-- // SAMSUNG EMAIL MARGIN FIX (in=
sert above closing BODY tag) --><div style=3D"display:none !impor=
tant;mso-hide:all;"><a href=3D"http://l.email.americanexpress.com=
/rts/un.aspx?tp=3Di-1NGB-Km-14bA-1ZB3uN-1w-30ydj-1c-1Z59rr-lD3fDt=
1Oa2-22kIsc" style=3D"display:none !important;mso-hide:all;"></a>=
</div></body>=0A</html>=0A
----boundary_2666157_f40e8361-788c-4404-bfab-c8d1e8d37c9b--


