State of Kansas – ASTRA Meeting American Express Overview Ragina Ireland – Senior Account Manager

State Master Agreement The State of Kansas has a long standing relationship with American Express. This relationship is solidified with a State Master Agreement, which allows for the simplified signing of many state agencies with a single document, an APA (agency participation agreement). Under this agreement, the State of Kansas receives a discount rate of 2.20%. Here are the agencies allowed to use this document to gain American Express acceptance under that agreement: State agencies and departments Public Education Tolls & Transit Healthcare & Convention Centers Local Entities (counties, cities, towns, municipalities) 2

Letter of Endorsement 3

American Express Overview Global Commercial Card More than 100,000 clients worldwide, including nearly 70% of the U.S. Fortune 100 companies and 83% of the Fortune Global 500 Top commercial card issuer based on charge volume in US 1 Innovative payments leader OPEN Small Business Average of 8.4 years American Express customer tenure Average of $2MM in annual business revenue Products and services include: cards and business solutions Products include: credit and charge cards Issuing Markets around the world Membership Rewards® program Consumer Card Services Global Merchant Services Payment / Process Consultation Industry Expertise Marketing Support Relationship Management Business Insights Analytics Publications: e.g. Food & Wine Consumer Travel Services Business Travel Other Businesses Payment Network American Express branded partner issued cards Marketing support Global Network Services 1) Source: Business Travel News estimate 2009 Serve FXIP Acertify Loyalty Edge Prepaid Products Enterprise Group American Express is a leading global payments, network and travel company

Benefits of Accepting American Express Cards for State and Local Government: Accepting American Express Cards at your agency may help improve your operational efficiencies, reduce your costs, and improve customer service. Maximize Collections: Potential to Get Paid Earlier and Reliably  Benefit from reliable payment streams from American Express Cardmembers that elect automatic billing.  Engage Cardmembers, 23% of whom report making payments more than 30 days before the due date, which is 2.3 times as many as Non- Cardmembers who report doing the same. 1  Benefit from Cardmembers, who based on average spend figures, are financially responsible and highly creditworthy. 2  Benefit from Cardmembers who reported spending more, on average, with state and local government agencies using any payment method, than Non- Cardmembers. 1 Lower Expenses: Save from Increased Online/ Automated Bill Payments  Lower administration and in-person costs versus cash or check  Streamline payment processes versus cash or check  Decrease costs related to bounced checks  Reduce traditional bill collection costs, such as postage and invoicing expenses Enhance Service: Provide Choice  Increase customer satisfaction through the power of choice and convenience Source: Internet panel survey conducted in June 2011 by Brookfield Research, commissioned by American Express. Payment data covers reported payments made in the 12 months prior to the survey using any payment method (except as otherwise indicated). Definition of Cardmembers: Respondents who reported having an American Express Consumer, Business or Corporate Card and using an American Express Card to pay mandatory expenses to state and local government agencies in the 12 months prior to the survey. Definition of Non- Cardmembers: Respondents who reported that they do not have an American Express Card and that they used their Visa, MasterCard, Discover or Diners Club credit or charge card to pay mandatory expenses to state and local government agencies in the 12 months prior to the survey. 2 Higher FICO scores indicate high creditworthiness (76% of Charge & 57% of Lending portfolios had FICO > 720. Data as of March 2010 for AXP Lending Trust (AMXCA) and June 2010 for AXP Charge Trust (AEIT). Potential Benefits of Accepting American Express Cards 5

Maximize Collections: Larger, Faster & More Reliable Payments x 86% 62% American Express Cardmembers Reported making state or local government payments, using any payment method, more than 30 days before the due date 23% 10% 1.4x Welcoming American Express Cards may help you secure more payments before the due date and gain a more reliable payment stream through recurring billing. Reported being likely to use automatic charging of regularly occurring payments to pay state or local government agencies, using any payment method Average payments reportedly made to state and local government agencies, using any payment method American Express Cardmembers Non- Cardmembers American Express Cardmembers 1.4 x $1,944 $1,404 LargerFasterMore Reliable Non- Cardmembers Non- Cardmembers THIS DOCUMENT CONTAINS UNPUBLISHED, CONFIDENTIAL AND PROPRIETARY INFORMATION OF AMERICAN EPXRESS. NO DISCLOSUREOR USE OF ANY PORTION MAY BEMADE WITHOUT THE EXPRESS WRITTEN CONSENT OF AMERICAN EXPRESS. © AMERICAN EXPRESS. Source: Internet panel survey conducted in June 2011 by Brookfield Research, commissioned by American Express. Payment data covers reported payments made in the 12 months prior to the survey using any payment method (except as otherwise indicated). Definition of Cardmembers: Respondents who reported having an American Express Consumer, Business or Corporate Card and using an American Express Card to pay mandatory expenses to state and local government agencies in the 12 months prior to the survey. Definition of Non-Cardmembers: Respondents who reported that they do not have an American Express Card and that they used their Visa, MasterCard, Discover or Diners Club credit or charge card to pay mandatory expenses to state and local government agencies in the 12 months prior to the survey.

80% 72% American Express Cardmembers Non- Cardmembers American Express Cardmembers report making online Government related payments more than non-Cardmembers. 67% 34% Reported Likelihood of Electing Automatic Bill Payment Reported making Online Payments using any payment method American Express Cardmembers Non- Cardmembers Reported making state or local government agency payments online or over the internet in the 12 months prior to the survey. Said they are extremely or very likely to pay state or local government agencies using automatic bill payment if their respective cards are accepted. 1.1 x 2.0 x THIS DOCUMENT CONTAINS UNPUBLISHED, CONFIDENTIAL AND PROPRIETARY INFORMATION OF AMERICAN EPXRESS. NO DISCLOSUREOR USE OF ANY PORTION MAY BEMADE WITHOUT THE EXPRESS WRITTEN CONSENT OF AMERICAN EXPRESS. © AMERICAN EXPRESS. Source: Internet panel survey conducted in June 2011 by Brookfield Research, commissioned by American Express. Payment data covers reported payments made in the 12 months prior to the survey using any payment method (except as otherwise indicated). Definition of Cardmembers: Respondents who reported having an American Express Consumer, Business or Corporate Card and using an American Express Card to pay mandatory expenses to state and local government agencies in the 12 months prior to the survey. Definition of Non-Cardmembers: Respondents who reported that they do not have an American Express Card and that they used their Visa, MasterCard, Discover or Diners Club credit or charge card to pay mandatory expenses to state and local government agencies in the 12 months prior to the survey. Drive Savings from Online Payments 7

85% of Cardmembers agreed that American Express acceptance makes the overall payment process faster. 91% of Cardmembers agreed that it is important to them that merchants accept the payment methods they prefer. 89% of Cardmembers agreed that American Express acceptance makes the overall payment process more convenient. 85% of Cardmembers agreed that American Express acceptance makes the overall payment process more efficient. 77% of Cardmembers agreed that American Express is the most secure way to pay over the internet. THIS DOCUMENT CONTAINS UNPUBLISHED, CONFIDENTIAL AND PROPRIETARY INFORMATION OF AMERICAN EPXRESS. NO DISCLOSUREOR USE OF ANY PORTION MAY BEMADE WITHOUT THE EXPRESS WRITTEN CONSENT OF AMERICAN EXPRESS. © AMERICAN EXPRESS. Benefit from higher customer satisfaction by offering Constituents the opportunity to pay with American Express. Accepting American Express provides convenience and security which may improve customer service and enhance perception of your agency. Source: Internet panel survey conducted in June 2011 by Brookfield Research, commissioned by American Express. Payment data covers reported payments made in the 12 months prior to the survey using any payment method (except as otherwise indicated). Definition of Cardmembers: Respondents who reported having an American Express Consumer, Business or Corporate Card and using an American Express Card to pay mandatory expenses to state and local government agencies in the 12 months prior to the survey. Definition of Non-Cardmembers: Respondents who reported that they do not have an American Express Card and that they used their Visa, MasterCard, Discover or Diners Club credit or charge card to pay mandatory expenses to state and local government agencies in the 12 months prior to the survey. Enhance Customer Service: Accept American Express 8

My Merchant Account/OMS provides you with online servicing tools that are convenient, flexible and customizable to fit your needs. MY MERCHANT ACCOUNT/OMS – OVERVIEW Convenience. Control. Efficiency.  View up-to-date financial activity 24/7  Get customizable monthly e-statements  Respond more quickly to disputes with automatic alerts  Keep your account information up to date  Contact us any time via secure americanexpress.com/mymerchantaccount Key Benefits

Welcome customers who actively seek the American Express logo when they shop. Millions of Cardmembers look for merchants that accept the Card to earn points, miles or cash back with their purchases. 47% of American Express ® Cardmembers are more likely to try a merchant when the American Express logo is visible.* 52% of American Express Cardmembers agree that they feel more confident about purchasing from merchants that display the American Express logo.* *Source: Brookfield Research, August 2009 Decals Signage and Supplies Print & Electronic LogosBuckslips & Invoice Labels _____________________________ to order business supplies 24/7, visit: americanexpress.com/decals or call “This document contains sensitive, confidential, and trade secret information, and must not be disclosed to third parties without the express prior written consent of American Express Travel Related Services Company, Inc. Complementary Point of Purchase Materials