American Express®
Corporate Defined Expense Program

BENEFIT TERMS:

Business Travel Accident Insurance (BTAI)

Business Travel Accident Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. This literature is descriptive only. Actual coverage is subject to the terms, conditions, and exclusions of policy 6477-82-04. Please refer to your Description of Coverage for all terms, conditions, and exclusions. Chubb. PO Box 1615, Warren, New Jersey 07061-1615. This insurance is provided to American Express Corporate Cards and Business Travel Accounts in US and US Global Dollar Card Programs. Notwithstanding the above, a Client may have negotiated a different benefit amount.

Corporate Defined Expense Program (CDEP)

To learn more about enrollment in CDEP, please contact your Program Administrator or American Express account manager. The decision to grant access to CDEP is at the sole discretion of American Express. The CDEP Card will become inactive after the earlier of: (a) the expiration date printed on the CDEP Card; or (b) the end of the day in which the spending limit reaches $0. The company will be liable for: (a) charges that are made prior to the expiration date, but which are submitted by the merchant after the expiration date; (b) charges that are processed by a merchant after the Card has become inactive; and (c) any other charges incurred in excess of or outside the parameters of the limits set on the account. CDEP Cards should only be used in the United States with U.S. merchants.

Corporate Express Cash (Requires Company and Employee Enrollment)

Corporate Express Cash: The Corporate Express Cash program (the “Program”) allows employees to use their Corporate Card to withdraw up to a set amount of cash from a company designated bank account at participating ATM locations worldwide (visit www.amexatms.com to find the nearest ATM). The company and employee must be enrolled to use this feature. For the company to enroll, the Program Administrator should contact the company’s American Express account representative. After the company is enrolled, the Program Administrator(s) can request enrollment for individual Card Members. After enrollment, we will send the Card Member a unique Personal Identification Number (PIN) to use with the enrolled Corporate Card when withdrawing cash from a participating ATM. Cash withdrawal(s) will appear on the monthly statement. For each ATM withdrawal made under the Program, we will charge a fee of up to 5% of the amount of cash withdrawn based upon the billing and funding options selected by the Company upon enrollment, and subject to applicable laws. Notwithstanding the above, a Client may have negotiated different terms with American Express. For ATMs outside the United States, the applicable fee will be calculated after the dispensed cash amount is conv erted to U.S. Dollars. The ATM owner may charge additional fees for each transaction.

Online Account Access

Corporate Card Accounts are eligible to enroll for online services. Centrally Billed Accounts, where charges on all card accounts are billed to the company instead of the individual Card Members, may be excluded. Use of online payments and electronic expense report services are subject to your company practices and policies. Card Members must enroll at americanexpress.com/register.

The Amex® Mobile app

Please use American Express mobile capabilities in accordance with company policy.

Vicinity®

For a full list of countries and cities in which Vicinity can currently be used, please visit the following website: amexvicinity.com/faq1.

AMEX ASSURANCE DISCLOSURE:

Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0400, Policy AX0400-PR, Policy BIP-AX0400-VI, or Policy BIP-IND. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Account and is subject to change with notice. This document does not supplement or replace the Policies. To be covered, you must pay the entire fare for travel on a Common Carrier (e.g. plane, train, ship, or bus) with your eligible Account. Entire Fare means the full fare cost for a Covered Trip on a Common Carrier. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For checked baggage, a written report of the loss must be filed with the Common Carrier.