This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085). ® Registered trademark of American Express Company.

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B2B Finance and Loyalty Programs

2011

This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.

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Receivable Financing Loyalty Program AR Platform

KEY PILLARS OF AMEX B2B PROGRAM

Accelerated cash funding

Improved working capital

Innovative risk options

Unsecured line of financing

Off balance sheet debt solution

World leading payment platform

Closed loop platform

Ability to customise platform to Merchantand Customer needs

Integrated functionality for transactions fromMerchant to American Express

Automated payment of card account by customer (direct debit)

Leading global Membership Rewards Program

Program value & costs can be tailored to Merchant and Customer needs

Move focus from “Price to Points”

Program fully administered by American Express

This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.

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PROGRAM LEVERS

CASH FLOW TO CARDHOLDER

15 30 45 60 75 90

REWARDS

0 1 1.5 2 2.5 3

AMEX Merchant

RISK

These examples are for illustrative purposes and is to be used as a guide only.

This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.

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PROGRAM LEVERS

CASH FLOW TO CARDHOLDER

15 30 45 60 75 90

REWARDS

0 1 1.5 2 2.5 3

AMEX Merchant

RISK

CASH FLOW TO MERCHANT

0 15 30 45 60 90

These examples are for illustrative purposes and is to be used as a guide only.

This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.

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30 Day Program

COMMON CASHFLOW MODEL

CASH FLOW

Supplier 30 days from statement + late

Customer 30 days from statement

Supplier supplies throughout month

Supplier’s funded cash flow

30 Days

30

Customer makes payment

1

Supplier sends statement to customer

These examples are for illustrative purposes and is to be used as a guide only.

This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.

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AMEX Funded Cash Flow

CASH FLOW

Supplier1 day

Amex44 days

Customer45 days + MR points

45 Day Program

POTENTIAL AMEX CASHFLOW MODEL

Supplier supplies throughout month

Cash flow extended for your customer

2

Merchant/Supplierreceives payment

Supplier sends statement to Customer & Debits Card

1 30

Customer Payment to AMEX via DD

45

These examples are for illustrative purposes and is to be used as a guide only.

This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.

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AMEX Funded Cash Flow

CASH FLOW

Supplier1 day

Amex59 days

Customer60 days + MR points

60 Day Program

POTENTIAL AMEX CASHFLOW MODEL

Supplier supplies throughout month

Cash flow extended for the customer

2

Merchant/Supplierreceives payment

Supplier sends statement to Customer & Debits Card

1 30

Customer Payment to AMEX via DD

60

These examples are for illustrative purposes and is to be used as a guide only.

This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.

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AMERICAN EXPRESS MEMBERSHIP REWARDS

$1,000 Travel $1,000 Travel

$1,000 Voucher $1,000 Voucher

Award winning Membership Rewards program

Benefit to customers on the Program:

1 Point for every dollar spent on the program^

Points do not expire*

No capping* on points

A customer spending $500,000 on the program will earn a minimum of 500,000 Points

^Subject to the terms and conditions of the Membership Rewards program

*As long as your account remains current and in good standing

Awarded 5 Star Rating for Superior Value (2006, 07 & 09)

Membership Rewards Program

100,000 Points

115,000 Points

This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.

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REWARDS CONCIERGE

1. Rewards Concierge offers an unparalleled personal concierge service using Membership Rewards points .

2. From organising business needs to sourcing insurance quotes, the service is customised to meet customers’ exact needs.

3. Rewards Concierge will search for what customers want, quote the points required, and then arrange it on their behalf.

They also give customers a range of options to choose from.

VEHICLES TRAVEL ELECTRICAL DINING BUSINESS

Rewards Concierge is an invitation only service. There is typically no change for Rewards Concierge, although you are responsible for any purchases and /or shipping charges you authorise. Fees may apply for meeting and event planning.

This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.

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PROGRAM VALUE - BENEFITS TO SUPPLIERS AND CUSTOMERS

Cash flow funding

Customer loyalty

Off balance sheet debt solutions

Differentiation

Revenue growth

New & innovative marketing channel

Acquire new customers

Retain existing customers

Process savings

Extended payment terms- cash flow funding

Membership Rewards benefit- a well accepted loyalty currency

Dedicated account servicing

Automated payment process

Online reporting

GST compliant statements

Benefits to the Merchant (Supplier) Benefits to the Customer (Cardmember)