American Express
Corporate Card
Program

Maximise Savings, Reduce Costs

The American Express Corporate Card Program is a powerful and flexible tool to

maximise the efficiency of your expense management. Reduced transaction

costs and shorter processing times save your company money, while tailored

billing and payment options, increased spend visibility and liability protection give

you more financial control across the entire business.

Expert advice from a single point of contact

Identify saving opportunities with a designated representative assigned to your

account. Your account executive will analyse your expense management

Program and develop an action plan for your business that includes:

• Benchmarking practices
• Simplifying processes
  
• Supporting vendor negotiations

American Express Consulting

Our experienced consultants can tailor cost-saving solutions that will assist you

with all aspects of expense management, including policy development, travel

purchasing management and process re-engineering. Learn more

Take control with flexible limits

Enjoy the flexibility of a variety of spending limit options, designed to control

high-risk spending and enforce your company's expense policies. Card

restrictions include:

• Overall spending limits
  
• Industry spending limits
  
• Individual Card members
  

With the American Express® Corporate Card you can choose from a full range of

billing and payment options. These are designed to complement your accounting

and reporting procedures.

SELECT YOUR BILLING CYCLE

You can select from 10 billing cycles to coordinate statement dates with your

company's payroll periods or reimbursement schedules.

INDIVIDUAL BILLING OPTIONS

Individual Payment

With Individual Billing/Individual Payment (IB/IP), each Cardmember receives a

monthly billing statement from American Express and is responsible for

reconciling the account and remitting payment directly to American Express.

Each Cardmember submits an expense report in accordance with your

reimbursement policy.

IB/IP reduces your company's administrative workload and encourages timely

expense report submission.

Central Payment

This option combines individual billing with centralised payment of all approved

business expenses charged to the Corporate Card. Each Cardmember is

responsible for monthly statement reconciliation, timely expense report

submission, and direct payment to American Express for personal and

unapproved business charges. Your company issues a single payment to

American Express for all Card Members authorised charges, streamlining the

payment process.

Central Billing

All Card Member balances are itemised in a summary statement that is centrally paid by your company. Individual monthly billing statements are printed and included with the summary statement.

PAYMENT OPTIONS

Payment can be made in many ways, the most convenient options are:

• Direct debit
• Cash
  
• Cheque
  

Protect your bottom line with Liability Protection

The American Express Corporate Card Program provides companies with peace

of mind knowing that they are only liable for business charges. This means that

your company will only be paying for expenses that benefit the business and will

not be held responsible for your Card Members personal spend, or spend which

you have reimbursed your Cardmember's.

Customised Reporting

Access fully interactive, online reporting capabilities through American Express

@ Work; Customised Reporting. Ideal for clients with more sophisticated

reporting needs, this powerful tool enables your company to query, filter, and sort

your Corporate Card information to meet your expense management needs.

Customised Reporting is a fully interactive web-based reporting solution that

gives you the power to review and manipulate your Corporate Card data.

Attractive rewards and better security

We know how important it is for large organisations to retain the best staff. So we provide a range of Cardmember rewards, benefits and services to meet the needs of all your employees, from the occasional domestic traveller to the frequent international traveller.

Membership Rewards PLUS Program

The Membership Reward PLUS Program allows eligible enrolled employees to earn points on their corporate spend paid with the American Express Corporate Card1. Card members can earn one point for every BHT25 spent on their Corporate Card. Points can be redeemed for air travel and hotel stays, as well as gift cards for shopping, entertainment, home and recreational items.

Manage your account online

Staff can manage Corporate Card accounts online securely, immediately and conveniently 24 hours a day, 7 days a week:

• Check employee expenses and pay the balance online
• Elect to receive statements by email
• Receive email or SMS alerts for payment due, payment received and balance updates

Extra protection for travellers

When travel tickets are charged to the Corporate Card, Card Members automatically enjoy comprehensive protection, including:

• Business Travel Accident Insurance 2
• Travel Inconvenience Insurance (Corporate Gold card only) 2
• Accident Medical Expenses Insurance 2
• The convenience of global access (Corporate Gold card only)
  

Card Members enjoy the convenience of expert assistance almost anywhere in the world. Our network has more than 1,700 Travel Services locations in over 130 countries 3, providing the following assistance:

• 24 hour emergency Card replacement
• Foreign currency exchange
• Cash and Traveller & Cheque access
• Global Assist hotline & putting Card Members in a tight spot in touch with English-speaking doctors and lawyers