Levy collected by the Insurance Authority will be imposed on relevant policy at the applicable rate. The payment received for such levy will be remitted to the Insurance Authority under the prescribed arrangement. For further information, please visit www.ia.org.hk/en/levy.

Chubb Insurance Hong Kong Limited ("Chubb") is the underwriter of the policies below and is authorised and regulated by the Insurance Authority. American Express International, Inc. ("American Express") is an appointed insurance agency of Chubb and is registered with the Insurance Authority, the license number is FA3113.

• American Express Premier Critical Illness Protector
• American Express Premier Gadget Protector
• American Express Premier Hospital Cash Plus
• American Express Premier Personal Accident Protector
• American Express Premier Surgical Cash Plus
• American Express Premier Travel Protector

Zurich Insurance Company Ltd (""Zurich"") is the underwriter of the policies below and is authorised and regulated by the Insurance Authority. American Express is an appointed insurance agency of Zurich and is registered with the Insurance Authority, the license number is FA3113.

• American Express Golfer Insurance Plan
• American Express Home Plus Insurance Plan
• American Express Medical Protector

American Express identifies insurance providers and products that may be of interest to you. In this role American Express does not act as an agent or fiduciary for you, and American Express may act on behalf of the insurance provider, as permitted by law. American Express wants you to be aware that American Express receives commissions from providers and commissions may vary by provider and product. Also, in some cases, an American Express entity outside of the country may be the reinsurer and may earn reinsurance income. The arrangements American Express has with certain providers, including the potential to reinsure products, may also influence what products American Express identifies. Chubb, Zurich and American Express only provide general advice and do not consider your objectives, financial situation or needs. American Express does 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.

In the event of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the American Express and the customer out of the selling process or processing of the related transaction, American Express will enter into a Financial Dispute Resolution Scheme process with the customer; however any disputes over the contractual terms of the product should be resolved directly between Chubb or Zurich and the customer.