American Express OPEN

OPEN Savings^®: Savings range from 3% to 10%. Payment must be made with an American Express^® Business Card at the time of purchase; savings will be credited to your account. If purchases that received the OPEN Savings discount are refunded, the OPEN Savings discount will be reversed and debited from your account. Please review your monthly Cardmember statement in order to confirm proper crediting of returns. If you believe that returns have not been properly credited to your account, please call the number on the back of your Card. Other restrictions or limitations may apply. Subject to offer terms and conditions located at open.com/opensavings. Merchant participation and offers are subject to change without notice.

Bonus of 5% cash back on each purchase applies to all eligible purchases made for the first three months of Card membership. The statement credits will appear on your monthly billing statement as one lump sum on the fourth month of Card membership. The maximum cash back available is $200 per Card account. This promotional offer pertains to the Business Gold Rewards Card from American Express OPEN. You may be permitted to have more than one American Express® Business Card account, however, you are eligible to earn only one promotional 5% cash back offer up to $200 per unique business. American Express OPEN has the right to terminate the offer at its sole discretion at any time.

No pre-set spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, payment history, credit record, financial resources known to us, and other factors.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

Cash Rebate: In each rebate year, earn a 5% rebate on the first $12,000 in eligible purchases made in the U.S. at wireless telephone service providers and office supply specialty retailers, a 3% rebate on the first $12,000 in eligible purchases made in the U.S. at stand-alone gas stations, and 1% rebate thereafter in each of these categories. However, for eligible purchases that are made at superstores or warehouse clubs and for automobile gasoline purchases that are over 75 gallons (or its cash equivalent) in an individual purchase, you will earn a 1% rebate at all times. You will earn a 1% rebate on all other eligible purchases. A rebate year is 12 billing periods in a row, beginning with the one in which the anniversary of your card account occurs. The merchant must submit the charge under the appropriate merchant or industry code for you to receive the correct rebate percentage. Eligible purchases are purchases for goods and services minus returns and other credits, and do not include fees or interest charges, balance transfers, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards or purchases of other cash equivalents.

Benefit is available to Consumer and Business Platinum Card® and Centurion® members only. To receive statement credits of up to $200 a year toward incidental air travel fees, Card member must enroll and choose a qualifying airline at www.americanexpress.com/BusinessPlatinumAirlineChoice. Only the Basic Card member or Authorized Account Manager(s) on the Card account can enroll and select the qualifying airline. Card members who have not chosen a qualifying airline will be able to do so at any time. It can take up to 48 hours post enrollment and airline choice for the benefit to be effective. Card members who have already selected a qualifying airline will not be able to change their choice until December of each calendar year at which time they may change their airline choice for the following calendar year. Card members who do not change their airline selection will remain with their current airline. Statement Credits: Incidental air travel fees must be charged on the enrolled Card account for the benefit to apply. Incidental air travel fees must be separate charges from airline ticket charges. Fees that do not qualify for statement credits are wireless internet and fees incurred with airline alliance partners (incidental transactions must be charged by the Card member's airline choice). The airline must submit the incidental air travel fees under the appropriate merchant code, industry code, or required service or product identifier for the charge to be eligible. Purchases made by both the Basic and Additional Card members on the enrolled Card account are eligible for statement credits. Each Card Account is eligible for up to a total of $200 a year in statement credits, regardless of the number of Cards on the Account. Please allow 2-4 weeks after the qualifying incidental air travel fee is charged to your Card account for statement credit(s) to be posted to the account. Card members can call the number on the back of the Card if statement credits have not posted after 4 weeks from the date of purchase. Card members are responsible for payment of all charges until the statement credit(s) posts to the account. To be eligible for this benefit, Card account(s) must be active and not in default at the time of statement credit fulfillment. If a charge for any incidental air travel fee is included in a Pay Over Time feature balance on your Card account (for example, Sign & Travel), the statement credit associated with that charge will not be applied to that Pay Over Time feature balance. Instead, the statement credit will be applied to your Pay In Full balance.

The Business Platinum member must present his or her valid Card, government-issued I.D., and same day corresponding airline ticket to club agents. (Ticket not required for US Airways® Clubs.) Code-share and affiliated lounge agreements may not apply in all cases. Age requirements and policies for admittance to Airport Club Lounges vary by airline and location. Card members must adhere to all house rules of participating clubs. Partners and locations subject to change.

These Terms and Conditions govern Business Platinum Card members' participation in and use of the Priority Pass Select program. Priority Pass is an independent airport lounge access program. By enrolling in Priority Pass Select, you acknowledge and agree that American Express will verify your Card account number and provide updated Card account information to Priority Pass from time to time. Priority Pass will use this information to fulfill on the Priority Pass Select program and may use this information for marketing related to the program. Once enrolled, Business Platinum Card members in good standing may access participating Priority Pass Select lounges worldwide on a complimentary basis. Additional Gold Card members are not eligible for complimentary membership. The Priority Pass Select member must present his or her Priority Pass Select card and boarding pass to gain access to participating lounges. In some cases, Priority Pass Select member must be 21 years of age to enter without a parent or guardian. Priority Pass Select members must adhere to all house rules of participating clubs. Amenities may vary among airport lounge locations. Conference rooms may be reserved for a nominal fee. Priority Pass Select lounge partners and locations are subject to change. Member is liable for all accompanying guest visits and will be automatically charged $27 per guest after it has been reported by the participating lounge. All Priority Pass Select members must adhere to the Priority Pass Conditions of Use which will be sent to you with your membership package, and can be viewed at www.prioritypass.com. Upon receipt of your enrollment information, Priority Pass will process your membership and send you your personalized membership card together with your Priority Pass Select lounge listings, which you should receive within 10-14 days.

Global Entry is a U.S. government program. American Express has no control over the application and/or approval process, and does not have access to any information provided to the government by the Consumer and Business Platinum Card® or Centurion® Card member. American Express has no liability regarding the Global Entry Program. If you need more information regarding the application and/or approval process, as well as the full terms and conditions of this program, please go to www.globalentry.gov. The benefit is available to Consumer and Business Platinum Card® and Centurion® members only. To receive a $100 statement credit, Card member must complete the Global Entry application and pay for the fee with a valid Consumer and Business Platinum Card® or Centurion® Card. If an Account has Additional Cards, the Cards are eligible for $100 per Card. If approved, membership into the Global Entry program is valid for 5 years without additional charges and subject to the program's terms and conditions. The $100 application fee must be paid regardless of a decision by U.S. Customs and Border Protection and is required to process the application. Membership is per person, and a separate application must be completed for each individual. Individuals under 14 years of age are not eligible for this program. Please allow 6-8 weeks after the qualifying Global Entry transaction is charged to your Card account for statement credit(s) to be posted to the account. Card members can call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. Card members are responsible for payment of all charges until the statement credit(s) posts to the account. To be eligible for this benefit, Card account(s) must be active and not in default at the time of statement credit fulfillment.

There is typically no cost to you for most efforts Concierge consultants perform on your behalf, although you are responsible for any purchases and/or shipping charges you authorize. Fees may apply for meetings and event planning.

Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

0.0% introductory APR for 6 months, 9 months or 12 months, based on your creditworthiness. After that, your APR will be 12.24% (Prime Rate + 8.99%),17.24% (Prime Rate + 13.99%) or 19.24% (Prime Rate + 15.99%), based on your creditworthiness as determined at the time of account opening. This information is accurate as of December 13, 2011.

The annual membership fee of $125 for your Basic Card is waived for the first year of your membership. The annual membership fee of $45 per Additional Business Gold Rewards Card is waived for the first year if added during the first year of your membership.