AMERICAN EXPRESS CO | 2013 | FY |

The Company's short-term borrowings outstanding, defined as borrowings with original maturities of less than one year, as of December 31 were as follows:

	2013				2012
(Millions, except percentages)	Outstanding Balance		Year-End Stated Rate on Debt	^(a)	Outstanding Balance		Year-End Stated Rate on Debt	^(a)
Commercial paper	$	200	0.19	%	$	―	―	%
Other short-term borrowings^(b)(c)		4,821	1.08			3,314	1.46
Total	$	5,021	1.03	%	$	3,314	1.46	%

For floating-rate debt issuances, the stated interest rates are based on the floating rates in effect as of December 31, 2013 and 2012, respectively.
Includes interest-bearing overdrafts with banks of $489 million and $615 million as of December 31, 2013 and 2012, respectively. In addition, balances include fully drawn secured borrowing facility (maturing on September 15, 2015, which was repaid on February 18, 2014), certain book overdrafts (i.e., primarily timing differences arising in the ordinary course of business), short-term borrowings from banks, as well as interest-bearing amounts due to merchants in accordance with merchant service agreements. The secured borrowing facility gives the Company the right to sell up to $2.0 billion face amount of eligible certificates issued from the Lending Trust.
The Company paid $12.5 million and $1.4 million in fees to maintain the secured borrowing facility in 2013 and 2012, respectively.

AMERICAN EXPRESS CO | 2013 | FY |

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