1. Presented by Ruth Gorski Introducing the American Express OnePoint ® Program This document contains unpublished confidential and proprietary information of American Express. No disclosure or use of any portion may be made without the express written consent of American Express. © 2011 American Express Company.

2. Objectives  Introduce the OnePoint program  Benefits of the OnePoint program to you  Benefits of the OnePoint program to your merchants  Successfully selling American Express  Tools created to support you This document contains unpublished confidential and proprietary information of American Express. No disclosure or use of any portion may be made without the express written consent of American Express. © 2011 American Express Company.

3. Value of American Express OnePoint Program  One Application  One Statement  One Speed of Pay  One Servicing Contact  For All Four Networks This document contains unpublished confidential and proprietary information of American Express. No disclosure or use of any portion may be made without the express written consent of American Express. © 2011 American Express Company.

4. Benefits of Selling OnePoint for You  You have a competitive advantage  Opportunity to offer fully integrated servicing  Gives you new access to prospective merchants This document contains unpublished confidential and proprietary information of American Express. No disclosure or use of any portion may be made without the express written consent of American Express. © 2011 American Express Company.

5. OnePoint Benefits for Merchants American Express manages: Merchant Pricing Contract Relationship Processor manages: End to End Processing Boarding of Account Merchant Approval Statements and Funding Fraud and Risk Customer Service Transactions and Chargebacks Speed of PaySame payment cycle StatementSingle statement ServicingSingle point of contact This document contains unpublished confidential and proprietary information of American Express. No disclosure or use of any portion may be made without the express written consent of American Express. © 2011 American Express Company.

6. More Cards = More Demand = More Spend When you sign merchants up to accept American Express, you’re actually signing them up to accept 150 different Card Products:

7. This document contains unpublished confidential and proprietary information of American Express. No disclosure or use of any portion may be made without the express written consent of American Express. © 2011 American Express Company. Tie Merchant Objectives to Cardmember Values Affluen t  79% of American Express small business shoppers report earning $75,000 or more a year. 1 Disclaimer: 1 Based on Card Members in the U.S. who reported using their American Express Card to make small-merchant purchases in the prior month High- spending  American Express Card Members report spending on average 25% more than non- Card Members per transaction at small merchants. 1 Disclaimer: 1 Based on Card Members in the U.S. who reported using their American Express card to make small merchant purchases in the prior month and reported their spend on such purchases using any payment method, compared to non-Card Members in the U.S. who reported making similar purchases Purchases  American Express Card Members report making an average of 112 business- related purchases from small merchants in the past month, compared to 13 such purchases for non-Card Members.  1 Disclaimer: 1 Based on Card Members in the U.S. who reported using their American Express card to make small merchant purchases and reported the number of such purchases using any payment method, compared to non-Card Members who reported making similar purchases. 2013 American Express Cardmember Characteristics American Express Cardmembers share a number of characteristics that may make them your merchants best customers. 6 FULL SOURCE FOOTNOTE FOR Claims: American Express commissioned internet panel survey conducted October-November 2013 based on purchases made in the month prior to the survey. Definition of American Express® Card Members: Respondents who reported that they have an American Express Card and that they used that card to pay for goods and services from small merchants (i.e., independently owned businesses) in the prior month. Definition of Non-Card Members: Respondents who reported that they do not have any type of American Express Card and that they used a Visa, Discover, Debit Card, Cash/Check, or Payment Services (i.e., PayPal, Google Wallet, Serve) to pay for goods and services from small merchants (i.e., independently owned businesses) in the prior month.

8. Tips For Handling Merchant Objections 8 Objection: Everyone has another card in their wallet  The network of American Express® Card Members is over 50 million American Express cards in the U.S. alone. 1 And these Card Members look for places to use their Card. 64% of American Express Card members surveyed reported they agree that they are more likely to try a new merchant when they know American Express Cards are accepted.² Objection: Rate is too high  American Express has a fixed transparent rate structure – no hidden fees. When you compare the premium reward card rates charged by the other care companies, along with their fees associated with processing the transactions, the American Express rates are on par with other premium reward cards.  Accepting American Express Cards can lead to repeat business. Approximately 72% of surveyed Card Members reported that they agree they are more likely to return to a merchant when they know American Express Cards are accepted.² Establishing a repeat customer base can, in turn, help you drive profit margins at your business.  American express has over 150 Card products in the market, including the new Bluebird® Card from American Express and Walmart®. And 78% of surveyed Card Members reported they are more likely to try a merchant when the American Express logo I visible.² Put Up decals in your windows, set up displays on your counter and download digital logos for your website to attract Card Members to your business. ¹ American Express 2012 Annual Report ² Internet panel survey conducted in July 2011 by Brookfield Research, commissioned by American Express. Spend and purchase data covers reported purchases made in the month prior to being surveyed using any payment method (except as otherwise indicated). Definition of American Express® Cardmembers: Respondents who reported that they have an American Express Consumer, business or Corporate card and that they used an American Express Card to make a purchase or pay a bill in the month prior to the survey and also report making a purchase from a small business using an American Express Card in the 3 months prior to the survey. This document contains unpublished confidential and proprietary information of American Express. No disclosure or use of any portion may be made without the express written consent of American Express. © 2011 American Express Company.

9. Who Qualifies for American Express OnePoint?  Merchants estimated to have less than $500K in American Express Charge Volume Annually  Net new American Express signings  No franchises  Only in approved industries (same as ESA)  Merchants located in the 50 US states. 9 Hot Tip: You eliminate monthly statement fee if the merchant was getting a paper statement from Amex.

10. American Express Sales Toolkit The following items are in your Sales Toolkit Pricing Quick Reference Card Franchise List Prohibited Industry List American Express Value Sheet Objection Handling American Express Decals American Express Merchant Material (POP) 10 Hot Tip: You eliminate the $7.95 monthly flat fee for home based, e- commerce and CNP merchants. This document contains unpublished confidential and proprietary information of American Express. No disclosure or use of any portion may be made without the express written consent of American Express. © 2011 American Express Company.

11. Free Point of Purchase Decals & Supplies Order these supplies for your merchants. Free…no charge to you or the merchant! POP decals and materials are critical to attracting American Express Cardmembers. 78% of surveyed American Express Cardmembers reported they are more likely to try a merchant when the American Express logo is visible.¹ Hot Tip: Make sure your merchant puts up the decal on the front door and at the cash register to be sure they activate! (Keep extra decals with you.) 11 ¹ Internet panel survey conducted in July 2011 by Brookfield Research, commissioned by American Express. Spend and purchase data covers reported purchases made in the month prior to being surveyed using any payment method (except as otherwise indicated). Definition of American Express® Cardmembers: Respondents who reported that they have an American Express Consumer, business or Corporate card and that they used an American Express Card to make a purchase or pay a bill in the month prior to the survey and also report making a purchase from a small business using an American Express Card in the 3 months prior to the survey. This document contains unpublished confidential and proprietary information of American Express. No disclosure or use of any portion may be made without the express written consent of American Express. © 2011 American Express Company.

12. Tips on being successful selling OnePoint 12 You have a competitive advantage selling OnePoint – maximize the opportunity! Lead with the fact that you can simplify the merchant’s credit card processing  Reduce the time they spend reconciling  Simplify the back-office process to a single process What is the merchant’s key objective & tie one of the American Express value propositions:  Bring in new customers: More cards  Customer Loyalty: Membership rewards, Corporate Cards, Preferred Payment Method  Increase profitability: American Express average ticket is typically higher Check to see if you can eliminate costs  Is the merchant on the Monthly Flat Fee?  Does the merchant get a paper statement from American Express? Put up the American Express decal  Cardmembers look for the logo to ensure their Card of choice is accepted  POP is critical for American Express Cardmembers This document contains unpublished confidential and proprietary information of American Express. No disclosure or use of any portion may be made without the express written consent of American Express. © 2011 American Express Company.

13. 13  You have a competitive advantage selling OnePoint – maximize the opportunity!  Tie one of the values of American Express acceptance to the merchant’s objectives  Don’t leave an opportunity for the competition to steal the merchant and all their credit card business from you.

14. Small Business Saturday November 29th

15. 15 Any questions? Comments? Best practices that have worked for you?