Agreement Between Corporate Card Member and American Express

Agreement Between FDR# 1122575 Corporate Card Member and American Express Travel Related Services Company, Inc.

Welcome to American Express® Corporate Card Membership conversion spread. Charges converted by seller(s) of goods and Read this Agreement thoroughly before you sign or use the enclosed services (such as airlines) will be billed at the rates such sellers use. American Express® Corporate Card. By signing, using or accepting the Corporate Card, you will be agreeing with us to everything 6) Liability written here. Your use of the Corporate Card will be governed by Your Corporate Card account is issued to you by us for the benefit this Agreement. If you do not wish to be bound by this Agreement, of the Company. If we opened your Corporate Card account on the cut the Corporate Card in half and return the pieces to us. If you do basis of “Full Corporate Liability”, then the Company is fully liable sign the Corporate Card, you should not use it before the valid date to us for all Charges incurred on your Corporate Card account. If or after the expiration date printed on the face of the Corporate we opened your Corporate Card account on the basis of “Combined Card. Liability”, then you, as the Corporate Card Member, and the Company are jointly and severally liable to us for all Charges billed 1) Definitions to your Corporate Card account, except that the Company shall not As you read this Agreement, remember that the words “you”, be liable for Charges you incur that are personal in nature or not for “your” or “Corporate Card Member” mean the person named on business purposes. the enclosed Corporate Card. The words “American Express”, “we”, “our” and “us” refer to American Express Travel Related If we make a billing statement available to you, then your Corporate Services Company, Inc. The word “Company” means the entity Card account is issued as “Combined Liability”. If we do not make in whose name the Corporate Card account is opened and whose a billing statement available to you, your account is issued as “Full name appears, in most instances, on the Corporate Card under Corporate Liability” and all of your Charges will be billed directly to your name. A Card issued to a Corporate Card Member is called a the Company. Summaries of charges that indicate they are not to be “Corporate Card”. paid, by including “For your records only – do not pay” or similar language, are not billing statements. 2) Use of the Corporate Card You agree to use the Corporate Card solely for commercial business This Agreement has no effect on your Company’s expense reporting purposes and in accordance with Company policy. No other person policy, procedures or your right to reimbursement or payment is permitted to use this Corporate Card for Charges, identification by the Company. Termination of this Agreement does not affect or for any other reasons. Spending limits may be placed on your liability for Charges made prior to termination. Corporate Card, either at the request of your Company or at the discretion of American Express. You agree that you will not resell 7) Payments or return for a cash refund any goods, tickets or services obtained Payment for all Charges is due immediately upon receipt of the with the Corporate Card. Obviously, you may return any item or billing statement. You must notify us immediately of any change ticket to an establishment honoring the Corporate Card for credit in your billing address. All payments must be sent to the payment to your account, if that establishment permits such returns. We address shown on your billing statement and must include the reserve the right to deny authorization for any Charge. remittance coupon from your billing statement. You must pay us in U.S. currency, with a single draft or check drawn on a U.S. bank 3) Annual Fee and payable in U.S. dollars, or with a single negotiable instrument The annual fee for the Corporate Green Card is $55 or a lower payable in U.S. dollars and clearable through the U.S. banking amount that may have been agreed between American Express system, or through an electronic payment method clearable and the Company and will be billed to your account annually. through the U.S. banking system. Your account number must be Effective March 6, 2020, the annual fee will increase to $75 (or a included on or with all payments. If we decide to accept a payment lower amount). made in a foreign currency, you authorize us to choose a conversion rate that is acceptable to us to convert your remittance into U.S. 4) Corporate Card Charges currency, unless a particular rate is required by law. Payments All amounts charged to your account, including, without limitation, conforming to the above requirements that we receive no later than purchases, cash advances, any annual Corporate Card fees and the hour specified on your billing statement will be credited to your other fees, will be called “Charges” in this Agreement. Charges also account as of the day received; payments conforming to the above include any purchases in which you have evidenced an intent to requirements that we receive after the hour specified on your billing incur a charge, regardless of whether you have signed a charge form. statement will be credited to your account as of the following day. If you are reimbursed by your Company for Charges, then you are If payment does not conform to the requirements stated above, accountable for any reimbursements and agree to remit such funds crediting may be delayed. If this happens, additional Charges may promptly. be imposed. We may accept late payments, partial payments or any payments marked as being payment in full or as being settlement of 5) Charges Made in Foreign Currencies any dispute without losing any of our rights under this Agreement If you incur a Charge in a foreign currency (“Foreign Currency or under the law. Our acceptance of any such payments does not Transaction”), you will be purchasing from AE Exposure mean we agree to change this Agreement in any way. You agree that Management Ltd. (“AEEML”) an amount of foreign currency our acceptance of such payments will not operate as an accord and sufficient to cover the Foreign Currency Transaction. The Foreign satisfaction without our prior express written approval. Currency Transaction will be converted into U. S. dollars on the date it is processed by Amex or its agents. Unless a particular rate 8) Late Fees is required by applicable law, you authorize AEEML to choose a We will provide a billing statement to you or to the Company, as conversion rate that is acceptable to AEEML for that date. Currently, applicable, at the end of each statement billing period (intervals of the conversion rate that AEEML uses for a Charge in foreign currency approximately one month). Each billing statement will identify a is 2.5% higher than (a) the highest official conversion rate published “Closing Date” which is the cutoff date we determine for including by a government agency or (b) the highest interbank conversion Charges and payments for that statement billing period. “Next rate identified by AEEML from customary banking sources, on the Closing Date” with respect to any billing statement means the conversion date or the prior business day, whichever is greater. This Closing Date of the billing statement that immediately follows such conversion rate may differ from rates in effect on the date of the billing statement. If Charges on a billing statement remain unpaid, Charge. This conversion rate will be payable to Amex and will be we may assess a late fee. The amount of the late fee depends on the in addition to any yield earned by AEEML or us from the currency length of time your account has remained unpaid and the billing

Page 1 of 4 address that we have on file for your account. Late fees will accrue 16) The Corporate Card Remains Our Property; Cancellation as follows, unless prohibited by applicable state law: (a) if there are We can revoke your right to use the Corporate Card at any time with any amounts totaling more than $50.00, in the aggregate, that were or without cause, and without giving you notice. We may inform incurred during a statement billing period and that have not been establishments honoring the Corporate Card that the Corporate paid and credited to your account by the Next Closing Date, a late Card issued to you has been revoked or cancelled. If we revoke fee of $39.00 may be charged; (b) if there are any amounts totaling the Corporate Card or it expires, you must return it to us upon our more than $50.00, in the aggregate, that were incurred during a request. Also, if the Company or an establishment that accepts statement billing period and that have not been paid and credited the Corporate Card asks you to surrender an expired or revoked to your account by the following Next Closing Date, a late fee equal Corporate Card, you must do so. You may not use the Corporate to the greater of $39.00 or 2.99% of all amounts not credited for Card after it has expired or after it has been revoked. at least one statement billing period may be charged; and (c) payment of the total amount due is not credited to the account by 17) Credit Information; Telephone Monitoring successive Next Closing Dates, Amex may assess a fee equal to the You authorize us to make whatever credit inquiries we may deem greater of $39.00 or 2.99% of all amounts not credited for at least appropriate, and obtain and exchange any information we may one statement billing period. For purposes of calculating late fees, receive in the course of such investigation with our affiliates. We we will disregard amounts owed for any annual Corporate Card fee. may ask credit reporting agencies for reports on your individual Late fees will not exceed the maximum allowed by law. credit history. From time to time we may obtain follow-up credit reports on you. Upon request, we will tell you whether an 9) Problems with Goods and Services individual report was requested and the name and address of the If you have any questions, problems or disputes concerning the agency that furnished it. Your performance under this Agreement billing statement, you should contact us immediately and we will may be reported to credit reporting agencies. If you believe take all reasonable and appropriate steps to provide the information information we have furnished to a credit reporting agency about you request or to resolve your dispute. However, unless required your Corporate Card account is inaccurate, you should write to us by law, we are not responsible for any problems you have with any at the following address and identify the specific information you goods or services you charge on the Corporate Card, and, if you believe is inaccurate: American Express Credit Bureau Unit, P. O. have a dispute with an establishment honoring the Corporate Card, Box 7871, Ft. Lauderdale, FL 33329-7871. You agree that we may payment must be made and the dispute settled directly with the monitor telephone calls between you and us to ensure the quality establishment. Without limiting any of the foregoing, if we credit of the customer service we provide. your account for all or part of any Charge on the Corporate Card, we automatically succeed to, and you are automatically deemed 18) Information Provided to Affiliates to assign and transfer to us, any rights and claims (excluding tort You authorize American Express, its affiliates and licensees to claims) that you have, had, or may have against any third party exchange business and consumer credit reports. You may direct us for an amount equal to the amount we credited to your account. not to share with our affiliates and subsidiaries certain information You further agree that without our consent you will not pursue (other than transaction or experience information) about you or any claim against or reimbursement from such third party for your Corporate Card account by writing to us at: American Express, the amount that we credited to your account, and that you will P.O. Box 981540, El Paso, TX 79998-1540. Please include your cooperate with us if we decide to pursue the third party for the Corporate Card account number. amount credited. We will not be responsible if any establishment refuses to honor the Corporate Card or for any other problems you 19) Privacy Act of 1974 Notification may have with such establishment. American Express has entered into contracts which enable the Corporate Card to be accepted at certain Federal Government 10) Corporate Express Cash agencies and departments (“Agencies”). As with Corporate Card You may be able to enroll in the Corporate Express Cash program to transactions at commercial establishments, when you choose to obtain cash at ATM dispensing machines. We will have a separate use your Corporate Card at an Agency, certain Charge information agreement with you concerning use of the Corporate Card in is necessarily collected by American Express. Charge information connection with this program. from Corporate Card transactions at Agencies may be used for processing Charges and payments, billing and collections activities 11) Insurance and may be aggregated for reporting, analysis and marketing If you use the Corporate Card to pay insurance premiums, you give activities. Additional “routine uses” of Charge information by us permission to pay those premiums for you when due and agree Agencies are published periodically in the Federal Register. to pay us in accordance with the terms of this Agreement. You must tell us in writing if you no longer wish us to pay premiums for you. 20) Use of Corporate Card Account Information If your Corporate Card account is cancelled, we will stop paying a) Your Corporate Card is issued to you under your Company’s premiums for you. Corporate Card Program and is to be used solely for commercial business expenses and in accordance with Company policy. We use 12) Lost or Stolen Corporate Cards data about your Corporate Card account to provide reports to your You agree to notify us immediately if the Corporate Card is lost or Company. We may exchange information about you, your Corporate stolen or if you suspect it is being used without your permission. Card account and Charges on your Corporate Card account (including details of goods or services purchased) (the “Data”) with 13) Renewal and Replacement Corporate Cards American Express affiliates and licensees, including their agents, Your Corporate Card account will be valid through the expiration processors and suppliers; with your Company or its subsidiaries, date printed on the face of the Corporate Card. By accepting the parent and affiliated companies, including their agents and issuance of this Corporate Card, you are requesting us to issue you a processors; with any party authorized by you; with companies who renewal or replacement Corporate Card before the current Corporate distribute the Corporate Card, with any other party whose name or Card expires. We will continue to issue renewal or replacement logo appears on the Corporate Card; and with merchants (“Service Corporate Cards until you or the Company tells us to stop. Establishments”) used by you, in order to administer and service your Corporate Card account, process and collect Charges on it and 14) Changing this Agreement; Assignment manage any benefits, insurance, travel or other corporate programs We have the right to change this Agreement at any time. We will in which you or your Company is enrolled. Where you purchase notify you of any changes. We will consider that you have accepted goods and/or services on behalf of a third party, you must obtain the changes if you keep or use the Corporate Card after you receive that third party’s consent to the disclosure of his or her information our notice. If you do not accept the changes, you may terminate to us for these purposes. In addition, Data created as the result of this Agreement by cutting the Corporate Card in half and returning your use of the Corporate Card at certain Service Establishments, the parts to us. We may assign this Agreement at any time without including hotel and car rental locations (collectively, “Rental notice. Locations”), may be used by your Company, the Rental Location, and/or American Express to enable your Company to effectively 15) Benefits and Services manage its business expense policy. Your use of the Corporate Card Subject to applicable law, we reserve the right to add, modify or at any such Rental Location shall constitute your consent to the use delete any benefit or service offered with the Corporate Card at of your Data as described in this paragraph. any time without notice to you. Availability of benefits is subject to internal policy of your Company. b) If you have arranged for certain merchants to store your Corporate Card number and expiration date (so that, for example:

Page 2 of 4 the merchant may charge your account at regular intervals; or you Go to americanexpress.com/claim for a sample claim notice. may make charges using that stored Card information), we may, The claim notice must describe the claim and state the specific but are not required to, tell these merchants if your expiration relief demanded. Notice to you may be provided by your billing date or Card number changes or if your account is cancelled. You statement or sent to your billing address. Notice to us must must notify these merchants directly if you would like them to stop include your name, address and account number and be sent to charging your Corporate Card. American Express ADR c/o CT Corporation System, 111 8th Ave., NY, NY 10011. If the claim proceeds to arbitration, the amount of 21) Mailing Lists any relief demanded in a claim notice will not be disclosed to the We may use information you have provided to us on your initial arbitrator until after the arbitrator rules. application and in surveys, information from how you use the Corporate Card and information from external sources, including Mediation consumer reports, for marketing activities (including mailing lists) In mediation, a neutral mediator helps parties resolve a claim. by us and other American Express companies. We may also use The mediator does not decide the claim but helps parties reach information derived from how you use the Corporate Card and agreement. Before beginning mediation, you or we must first send non-credit information available from public sources to develop a claim notice. Within 30 days after sending or receiving a claim mailing lists which are used to develop offers you may receive from notice, you or we may submit the claim to JAMS (1-800-352-5267, American Express in conjunction with our partners and service jamsadr.com) or the American Arbitration Association (“AAA”) (1- providers. If at any time you wish to have your name and address 800-778-7879, adr.org) for mediation. We will pay the fees of the removed from such lists, please call 1-800-297-8378. mediator.

22) Governing Law All mediation-related communications are confidential, This Agreement is governed by the laws of the State of New York inadmissible in court and not subject to discovery. All applicable (without regard to internal principles of conflicts of law) and by statutes of limitations will be tolled until termination of the applicable federal law. mediation. Either you or we may terminate the mediation at any time. The submission or failure to submit a claim to mediation will 23) Fees for Suspended or Cancelled Corporate Cards not affect your or our right to elect arbitration. If your Corporate Card becomes 90 days past due and your charge privileges are suspended, we will charge a $25 administrative Arbitration suspense fee, subject to applicable law. If we cancel your right to You or we may elect to resolve any claim by individual arbitration. use your Corporate Card due to non-payment, we will charge a $25 Claims are decided by a neutral arbitrator. reinstatement fee to process requests to reinstate your cancelled Corporate Card, subject to applicable law. We reserve the right, If arbitration is chosen by any party, neither you nor we will have upon notice, to change these fees and/or charge additional fees in the right to litigate that claim in court or have a jury trial on that connection with reinstatement, cancellation or suspension of your claim. Further, you and we will not have the right to participate in Corporate Card. a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Arbitration procedures are generally 24) Electronic Notices simpler than the rules that apply in court, and discovery is more Billing statements, notices (which include changes to this limited. The arbitrator’s decisions are as enforceable as any court Agreement), disclosures, additional copies of this Agreement, order and are subject to very limited review by a court. Except as set if requested, and other communications (together called forth below, the arbitrator’s decision will be final and binding. Other “Communications”) may be sent to you electronically or made rights you or we would have in court may also not be available in available online. You must maintain a valid billing address and arbitration. phone number in our records for your account. You also agree that, where permitted by law, we may send Communications to your Initiating Arbitration Company or your Company’s designated representative concerning Before beginning arbitration, you or we must first send a claim accounts that are billed to and paid by your Company, in which case notice. Claims will be referred to either JAMS or AAA, as selected Communications to your Company or your Company’s designated by the party electing arbitration. Claims will be resolved pursuant representative about such accounts, your Card, or this Agreement to this Arbitration provision and the selected organization’s will be deemed to be a Communication from us to you. rules in effect when the claim is filed, except where those rules conflict with this Agreement. If we choose the organization, you 25) CLAIMS RESOLUTION may select the other within 30 days after receiving notice of our Most customer concerns can be resolved by calling our Customer selection. Contact JAMS or AAA to begin an arbitration or for other Service Department at the number listed on the back of your Card. information. Claims also may be referred to another arbitration In the event Customer Service is unable to resolve a complaint organization if you and we agree in writing or to an arbitrator to your satisfaction, this section explains how claims can be appointed pursuant to section 5 of the Federal Arbitration Act, resolved through mediation, arbitration or litigation. It includes an 9 U.S.C. §§ 1-16 (FAA). arbitration provision. We will not elect arbitration for any claim you file in small claims For this section, you and us includes any corporate parents, court, so long as the claim is individual and pending only in that subsidiaries, affiliates or related persons or entities.Claim means court. You or we may otherwise elect to arbitrate any claim at any any current or future claim, dispute or controversy relating to your time unless it has been filed in court and trial has begun or final Account(s), this Agreement, or any agreement or relationship you judgment has been entered. Either you or we may delay enforcing have or had with us, except for the validity, enforceability or scope or not exercise rights under this Arbitration provision, including of the Arbitration provision. Claim includes but is not limited to: (1) the right to arbitrate a claim, without waiving the right to exercise initial claims, counterclaims, crossclaims and third-party claims; or enforce those rights. (2) claims based upon contract, tort, fraud, statute, regulation, common law and equity; (3) claims by or against any third party Limitations on Arbitration using or providing any product, service or benefit in connection If either party elects to resolve a claim by arbitration, that claim with any account; and (4) claims that arise from or relate to (a) any will be arbitrated on an individual basis. There will be no right or account created under any of the agreements, or any balances on authority for any claims to be arbitrated on a class action basis or any such account, (b) advertisements, promotions or statements on bases involving claims brought in a purported representative related to any accounts, goods or services financed under any capacity on behalf of the general public, other Card Members or accounts or terms of financing, (c) benefits and services related to other persons similarly situated. Card Membership (including fee-based or free benefit programs, enrollment services and rewards programs) and (d) your application The arbitrator’s authority is limited to claims between you and us for any account. You may not sell, assign or transfer a claim. alone. Claims may not be joined or consolidated unless you and we agree in writing. An arbitration award and any judgment confirming Sending a Claim Notice it will apply only to the specific case and cannot be used in any Before beginning a lawsuit, mediation or arbitration, you other case except to enforce the award. Notwithstanding any other and we agree to send a written notice (a claim notice) to each provision and without waiving the right to appeal such decision, if party against whom a claim is asserted, in order to provide an any portion of these Limitations on Arbitration is deemed invalid opportunity to resolve the claim informally or through mediation. or unenforceable, then the entire Arbitration provision (other than

Page 3 of 4 this sentence) will not apply. 26) Communication Authorization If we need to contact you to service your Corporate Card account or Arbitration Procedures to collect Charges on it, you authorize us (and our affiliates, agents This Arbitration provision is governed by the FAA. The arbitrator and contractors, such as debt collection agencies and service will apply applicable substantive law, statutes of limitations and providers) to contact you at any phone number or email address privileges. The arbitrator will not apply any federal or state rules you (or the program administrator of your Corporate Card account) of civil procedure or evidence in matters relating to evidence or provide, from which you contact us, or at which we believe we can discovery. Subject to the Limitations on Arbitration, the arbitrator reach you. We may contact you in any way, such as calling, texting, may otherwise award any relief available in court. The arbitration emailing, sending mobile application push notifications or using will be confidential, but you may notify any government authority any other method of communication permitted by law. We may of your claim. contact you using an automated dialer or prerecorded messages. We may contact you on a mobile, wireless or similar device, even if If your claim is for $10,000 or less, you may choose whether the you are charged for it. arbitration will be conducted solely on the basis of documents, through a telephonic hearing, or by an in-person hearing. At AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. any party’s request, the arbitrator will provide a brief written explanation of the award. The arbitrator’s award will be final American Express Customer Care and binding, except for any right of appeal provided by the FAA; Global Corporate Payments however, any party will have 30 days to appeal the award by © 2019 American Express Travel Related Services Company, Inc. notifying the arbitration organization and all parties in writing. The organization will appoint a three-arbitrator panel to decide anew, by majority vote based on written submissions, any aspect of the decision objected to. Judgment upon any award may be entered in any court having jurisdiction. At your election, arbitration hearings will take place in the federal judicial district of your residence.

Arbitration Fees and Costs You will be responsible for paying your share of any arbitration fees (including filing, administrative, hearing or other fees), but only up to the amount of the filing fees you would have incurred if you had brought a claim in court. We will be responsible for any additional arbitration fees. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause.

Additional Arbitration Awards If the arbitrator rules in your favor for an amount greater than any final offer we made before arbitration, the arbitrator’s award will include: (1) any money to which you are entitled, but in no case less than $5,000; and (2) any reasonable attorneys’ fees, costs and expert and other witness fees.

Continuation This section will survive termination of your account, voluntary payment of your account balance, any legal proceeding to collect a debt, any bankruptcy and any sale of your account (in the case of a sale, its terms will apply to the buyer of your account). If any portion of this Claims Resolution section, except as otherwise provided in the Limitations on Arbitration subsection, is deemed invalid or unenforceable, it will not invalidate the remaining portions of this Claims Resolution section.

Page 4 of 4 Agreement Between FDR# 1122574 Corporate Gold Card Member and American Express Travel Related Services Company, Inc.

Welcome to American Express® Corporate Gold Card Membership in addition to any yield earned by AEEML or us from the currency Read this Agreement thoroughly before you sign or use the conversion spread. Charges converted by seller(s) of goods and enclosed American Express® Corporate Gold Card. By signing, using services (such as airlines) will be billed at the rates such sellers use. or accepting the Corporate Gold Card, you will be agreeing with us to everything written here. Your use of the Corporate Gold Card will 6) Liability be governed by this Agreement. If you do not wish to be bound by Your Corporate Card account is issued to you by us for the benefit this Agreement, cut the Corporate Gold Card in half and return the of the Company. If we opened your Corporate Card account on the pieces to us. If you do sign the Corporate Gold Card, you should not basis of “Full Corporate Liability”, then the Company is fully liable use it before the valid date or after the expiration date printed on to us for all Charges incurred on your Corporate Card account. If the face of the Corporate Gold Card. we opened your Corporate Card account on the basis of “Combined Liability”, then you, as the Corporate Card Member, and the 1) Definitions Company are jointly and severally liable to us for all Charges billed As you read this Agreement, remember that the words “you”, to your Corporate Card account, except that the Company shall not “your” or “Corporate Gold Card Member” mean the person be liable for Charges you incur that are personal in nature or not for named on the enclosed Corporate Gold Card. The words business purposes. “American Express”, “we”, “our” and “us” refer to American Express Travel Related Services Company, Inc. The word “Company” If we make a billing statement available to you, then your Corporate means the entity in whose name the Corporate Gold Card account Card account is issued as “Combined Liability”. If we do not make is opened and whose name appears, in most instances, on the a billing statement available to you, your account is issued as “Full Corporate Gold Card under your name. A Card issued to a Corporate Corporate Liability” and all of your Charges will be billed directly to Gold Card Member is called a “Corporate Gold Card”. the Company. Summaries of charges that indicate they are not to be paid, by including “For your records only – do not pay” or similar 2) Use of the Corporate Gold Card language, are not billing statements. You agree to use the Corporate Card solely for commercial business purposes and in accordance with Company policy. No other person This Agreement has no effect on your Company’s expense reporting is permitted to use this Corporate Card for Charges, identification policy, procedures or your right to reimbursement or payment or for any other reasons. If you voluntarily relinquish physical by the Company. Termination of this Agreement does not affect possession of the Corporate Card to another person, you will be liability for Charges made prior to termination. liable for all Charges incurred by that person to the extent allowable by applicable law. Spending limits may be placed on your Corporate 7) Payments Card, either at the request of your Company or at the discretion Payment for all Charges is due immediately upon receipt of the of American Express. You agree that you will not resell or return billing statement. You must notify us immediately of any change for a cash refund any goods, tickets or services obtained with the in your billing address. All payments must be sent to the payment Corporate Card. Obviously, you may return any item or ticket to address shown on your billing statement and must include the an establishment honoring the Corporate Card for credit to your remittance coupon from your billing statement. You must pay us account, if that establishment permits such returns. We reserve the in U.S. currency, with a single draft or check drawn on a U.S. bank right to deny authorization for any Charge. and payable in U.S. dollars, or with a single negotiable instrument payable in U.S. dollars and clearable through the U.S. banking 3) Annual Fee system, or through an electronic payment method clearable The annual fee for the Corporate Gold Card is $125 and will be billed through the U.S. banking system. Your account number must be to your account annually. Effective March 6, 2020, the annual fee included on or with all payments. If we decide to accept a payment will increase to $250. made in a foreign currency, you authorize us to choose a conversion rate that is acceptable to us to convert your remittance into U.S. 4) Corporate Gold Card Charges currency, unless a particular rate is required by law. Payments All amounts charged to your account, including, without limitation, conforming to the above requirements that we receive no later than purchases, cash advances, any annual Corporate Gold Card fees the hour specified on your billing statement will be credited to your and other fees, will be called “Charges” in this Agreement. Charges account as of the day received; payments conforming to the above also include any purchases in which you have evidenced an intent requirements that we receive after the hour specified on your billing to incur a charge, regardless of whether you have signed a charge statement will be credited to your account as of the following day. form. If you are reimbursed by your Company for Charges, then you If payment does not conform to the requirements stated above, are accountable for any reimbursements and agree to remit such crediting may be delayed. If this happens, additional Charges may funds promptly. be imposed. We may accept late payments, partial payments or any payments marked as being payment in full or as being settlement of 5) Charges Made in Foreign Currencies any dispute without losing any of our rights under this Agreement If you incur a Charge in a foreign currency (“Foreign Currency or under the law. Our acceptance of any such payments does not Transaction”), you will be purchasing from AE Exposure mean we agree to change this Agreement in any way. You agree that Management Ltd. (“AEEML”) an amount of foreign currency our acceptance of such payments will not operate as an accord and sufficient to cover the Foreign Currency Transaction. The Foreign satisfaction without our prior express written approval. Currency Transaction will be converted into U. S. dollars on the date it is processed by Amex or its agents. Unless a particular rate 8) Late Fees is required by applicable law, you authorize AEEML to choose a We will provide a billing statement to you or to the Company, as conversion rate that is acceptable to AEEML for that date. Currently, applicable, at the end of each statement billing period (intervals of the conversion rate that AEEML uses for a Charge in foreign currency approximately one month). Each billing statement will identify a is 2.5% higher than (a) the highest official conversion rate published “Closing Date” which is the cutoff date we determine for including by a government agency or (b) the highest interbank conversion Charges and payments for that statement billing period. “Next rate identified by AEEML from customary banking sources, on the Closing Date” with respect to any billing statement means the conversion date or the prior business day, whichever is greater. This Closing Date of the billing statement that immediately follows such conversion rate may differ from rates in effect on the date of the billing statement. If Charges on a billing statement remain unpaid, Charge. This conversion rate will be payable to Amex and will be we may assess a late fee. The amount of the late fee depends on the

Page 1 of 4 length of time your account has remained unpaid and the billing to internal policy of your Company. address that we have on file for your account. Late fees will accrue as follows, unless prohibited by applicable state law: (a) if there are 16) The Corporate Gold Card Remains Our Property; Cancellation any amounts totaling more than $50.00, in the aggregate, that were We can revoke your right to use the Corporate Gold Card at any incurred during a statement billing period and that have not been time with or without cause, and without giving you notice. We may paid and credited to your account by the Next Closing Date, a late inform establishments honoring the Corporate Gold Card that the fee of $39.00 may be charged; (b) if there are any amounts totaling Corporate Gold Card issued to you has been revoked or cancelled. more than $50.00, in the aggregate, that were incurred during a If we revoke the Corporate Gold Card or it expires, you must return statement billing period and that have not been paid and credited it to us upon our request. Also, if the Company or an establishment to your account by the following Next Closing Date, a late fee equal that accepts the Corporate Gold Card asks you to surrender an to the greater of $39.00 or 2.99% of all amounts not credited for expired or revoked Corporate Gold Card, you must do so. You may at least one statement billing period may be charged; and (c) not use the Corporate Gold Card after it has expired or after it has payment of the total amount due is not credited to the account by been revoked. successive Next Closing Dates, Amex may assess a fee equal to the greater of $39.00 or 2.99% of all amounts not credited for at least 17) Credit Information; Telephone Monitoring one statement billing period. For purposes of calculating late fees, You authorize us to make whatever credit inquiries we may deem we will disregard amounts owed for any annual Corporate Card fee. appropriate, and obtain and exchange any information we may Late fees will not exceed the maximum allowed by law. receive in the course of such investigation with our affiliates. We may ask credit reporting agencies for reports on your individual 9) Problems with Goods and Services credit history. From time to time we may obtain follow-up If you have any questions, problems or disputes concerning the credit reports on you. Upon request, we will tell you whether an billing statement, you should contact us immediately and we will individual report was requested and the name and address of the take all reasonable and appropriate steps to provide the information agency that furnished it. Your performance under this Agreement you request or to resolve your dispute. However, unless required may be reported to credit reporting agencies. If you believe by law, we are not responsible for any problems you have with any information we have furnished to a credit reporting agency about goods or services you charge on the Corporate Gold Card, and, if your Corporate Gold Card account is inaccurate, you should write you have a dispute with an establishment honoring the Corporate to us at the following address and identify the specific information Gold Card, payment must be made and the dispute settled directly you believe is inaccurate: American Express Credit Bureau Unit, with the establishment. Without limiting any of the foregoing, if we P. O. Box 7871, Ft. Lauderdale, FL 33329-7871. You agree that we credit your account for all or part of any Charge on the Corporate may monitor telephone calls between you and us to ensure the Card, we automatically succeed to, and you are automatically quality of the customer service we provide. deemed to assign and transfer to us, any rights and claims (excluding tort claims) that you have, had, or may have against any 18) Information Provided to Affiliates third party for an amount equal to the amount we credited to your You authorize American Express, its affiliates and licensees account. You further agree that without our consent you will not to exchange business and consumer credit reports. You may pursue any claim against or reimbursement from such third party direct us not to share with our affiliates and subsidiaries certain for the amount that we credited to your account, and that you will information (other than transaction or experience information) cooperate with us if we decide to pursue the third party for the about you or your Corporate Gold Card account by writing to us at: amount credited. We will not be responsible if any establishment American Express, P.O. Box 981540, El Paso, TX 79998-1540. Please refuses to honor the Corporate Gold Card or for any other problems include your Corporate Gold Card account number. you may have with such establishment. 19) Privacy Act of 1974 Notification 10) Corporate Express Cash American Express has entered into contracts which enable the You may be able to enroll in the Corporate Express Cash program to Corporate Gold Card to be accepted at certain Federal Government obtain cash at ATM dispensing machines. We will have a separate agencies and departments (“Agencies”). As with Corporate Gold agreement with you concerning use of the Corporate Gold Card in Card transactions at commercial establishments, when you choose connection with this program. to use your Corporate Gold Card at an Agency, certain Charge information is necessarily collected by American Express. Charge 11) Insurance information from Corporate Gold Card transactions at Agencies If you use the Corporate Gold Card to pay insurance premiums, you may be used for processing Charges and payments, billing and give us permission to pay those premiums for you when due and collections activities and may be aggregated for reporting, analysis agree to pay us in accordance with the terms of this Agreement. You and marketing activities. Additional “routine uses” of Charge must tell us in writing if you no longer wish us to pay premiums for information by Agencies are published periodically in the Federal you. If your Corporate Gold Card account is cancelled, we will stop Register. paying premiums for you. 20) Use of Corporate Gold Card Account Information 12) Lost or Stolen Corporate Gold Cards a) Your Corporate Gold Card is issued to you under your Company’s You agree to notify us immediately if the Corporate Gold Card is lost Corporate Gold Card Program and is to be used solely for or stolen or if you suspect it is being used without your permission. commercial business expenses and in accordance with Company policy. We use data about your Corporate Gold Card account to 13) Renewal and Replacement Corporate Gold Cards provide reports to your Company. We may exchange information Your Corporate Gold Card account will be valid through the about you, your Corporate Gold Card account and Charges on your expiration date printed on the face of the Corporate Gold Card. Corporate Gold Card account (including details of goods or services By accepting the issuance of this Corporate Gold Card, you are purchased) (the “Data”) with American Express affiliates and requesting us to issue you a renewal or replacement Corporate licensees, including their agents, processors and suppliers; with Gold Card before the current Corporate Gold Card expires. We will your Company or its subsidiaries, parent and affiliated companies, continue to issue renewal or replacement Corporate Gold Cards including their agents and processors; with any party authorized until you or the Company tells us to stop. by you; with companies who distribute the Corporate Gold Card, with any other party whose name or logo appears on the Corporate 14) Changing this Agreement; Assignment Gold Card; and with merchants (“Service Establishments”) used by We have the right to change this Agreement at any time. We will you, in order to administer and service your Corporate Gold Card notify you of any changes. We will consider that you have accepted account, process and collect Charges on it and manage any benefits, the changes if you keep or use the Corporate Gold Card after you insurance, travel or other corporate programs in which you or your receive our notice. If you do not accept the changes, you may Company is enrolled. Where you purchase goods and/or services on terminate this Agreement by cutting the Corporate Gold Card in behalf of a third party, you must obtain that third party’s consent half and returning the parts to us. We may assign this Agreement at to the disclosure of his or her information to us for these purposes. any time without notice. In addition, Data created as the result of your use of the Corporate Gold Card at certain Service Establishments, including hotel and 15) Benefits and Services car rental locations (collectively, “Rental Locations”), may be used Subject to applicable law, we reserve the right to add, modify or by your Company, the Rental Location, and/or American Express to delete any benefit or service offered with the Corporate Gold Card enable your Company to effectively manage its business expense at any time without notice to you. Availability of benefits is subject policy. Your use of the Corporate Gold Card at any such Rental

Page 2 of 4 Location shall constitute your consent to the use of your Data as Sending a Claim Notice described in this paragraph. Before beginning a lawsuit, mediation or arbitration, you and we agree to send a written notice (a claim notice) to each party against b) If you have arranged for certain merchants to store your whom a claim is asserted, in order to provide an opportunity Corporate Card number and expiration date (so that, for example: to resolve the claim informally or through mediation. Go to the merchant may charge your account at regular intervals; or you americanexpress.com/claim for a sample claim notice. The may make charges using that stored Card information), we may, claim notice must describe the claim and state the specific relief but are not required to, tell these merchants if your expiration demanded. Notice to you may be provided by your billing statement date or Card number changes or if your account is cancelled. You or sent to your billing address. Notice to us must include your name, must notify these merchants directly if you would like them to stop address and account number and be sent to American Express ADR charging your Corporate Card. c/o CT Corporation System, 111 8th Ave., NY, NY 10011. If the claim proceeds to arbitration, the amount of any relief demanded in a 21) Mailing Lists claim notice will not be disclosed to the arbitrator until after the We may use information you have provided to us on your initial arbitrator rules. application and in surveys, information from how you use the Corporate Gold Card and information from external sources, Mediation including consumer reports, for marketing activities (including In mediation, a neutral mediator helps parties resolve a claim. mailing lists) by us and other American Express companies. We The mediator does not decide the claim but helps parties reach may also use information derived from how you use the Corporate agreement. Before beginning mediation, you or we must first send Gold Card and non-credit information available from public sources a claim notice. Within 30 days after sending or receiving a claim to develop mailing lists which are used to develop offers you may notice, you or we may submit the claim to JAMS (1-800-352-5267, receive from American Express in conjunction with our partners jamsadr.com) or the American Arbitration Association (“AAA”) (1- and service providers. If at any time you wish to have your name 800-778-7879, adr.org) for mediation. We will pay the fees of the and address removed from such lists, please call 1-800-297-8378. mediator.

22) Governing Law All mediation-related communications are confidential, This Agreement is governed by the laws of the State of New York inadmissible in court and not subject to discovery. All applicable (without regard to internal principles of conflicts of law) and by statutes of limitations will be tolled until termination of the applicable federal law. mediation. Either you or we may terminate the mediation at any time. The submission or failure to submit a claim to mediation will 23) Fees for Suspended or Cancelled Corporate Gold Cards not affect your or our right to elect arbitration. If your Corporate Gold Card becomes 90 days past due and your charge privileges are suspended, we will charge a $25 administrative Arbitration suspense fee, subject to applicable law. If we cancel your right to use You or we may elect to resolve any claim by individual arbitration. your Corporate Gold Card due to non-payment, we will charge a $25 Claims are decided by a neutral arbitrator. reinstatement fee to process requests to reinstate your cancelled Corporate Gold Card, subject to applicable law. We reserve the If arbitration is chosen by any party, neither you nor we will have right, upon notice, to change these fees and/or charge additional the right to litigate that claim in court or have a jury trial on that fees in connection with reinstatement, cancellation or suspension claim. Further, you and we will not have the right to participate in of your Corporate Gold Card. a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Arbitration procedures are 24) Electronic Notices generally simpler than the rules that apply in court, and discovery Billing statements, notices (which include changes to this is more limited. The arbitrator’s decisions are as enforceable as Agreement), disclosures, additional copies of this Agreement, any court order and are subject to very limited review by a court. if requested, and other communications (together called Except as set forth below, the arbitrator’s decision will be final and “Communications”) may be sent to you electronically or made binding. Other rights you or we would have in court may also not be available online. You must maintain a valid billing address and available in arbitration. phone number in our records for your account. You also agree that, where permitted by law, we may send Communications to your Initiating Arbitration Company or your Company’s designated representative concerning Before beginning arbitration, you or we must first send a claim accounts that are billed to and paid by your Company, in which case notice. Claims will be referred to either JAMS or AAA, as selected Communications to your Company or your Company’s designated by the party electing arbitration. Claims will be resolved pursuant representative about such accounts, your Card, or this Agreement to this Arbitration provision and the selected organization’s will be deemed to be a Communication from us to you. rules in effect when the claim is filed, except where those rules conflict with this Agreement. If we choose the organization, you 25) CLAIMS RESOLUTION may select the other within 30 days after receiving notice of our Most customer concerns can be resolved by calling our Customer selection. Contact JAMS or AAA to begin an arbitration or for other Service Department at the number listed on the back of your Card. information. Claims also may be referred to another arbitration In the event Customer Service is unable to resolve a complaint organization if you and we agree in writing or to an arbitrator to your satisfaction, this section explains how claims can be appointed pursuant to section 5 of the Federal Arbitration Act, 9 resolved through mediation, arbitration or litigation. It includes an U.S.C. §§ 1-16 (FAA). arbitration provision. We will not elect arbitration for any claim you file in small claims For this section, you and us includes any corporate parents, court, so long as the claim is individual and pending only in that subsidiaries, affiliates or related persons or entities.Claim means court. You or we may otherwise elect to arbitrate any claim at any any current or future claim, dispute or controversy relating to your time unless it has been filed in court and trial has begun or final account(s), this Agreement, or any agreement or relationship you judgment has been entered. Either you or we may delay enforcing have or had with us, except for the validity, enforceability or scope or not exercise rights under this Arbitration provision, including of the Arbitration provision. Claim includes but is not limited to: (1) the right to arbitrate a claim, without waiving the right to exercise initial claims, counterclaims, crossclaims and third-party claims; or enforce those rights. (2) claims based upon contract, tort, fraud, statute, regulation, common law and equity; (3) claims by or against any third party Limitations on Arbitration using or providing any product, service or benefit in connection If either party elects to resolve a claim by arbitration, that claim with any account; and (4) claims that arise from or relate to (a) any will be arbitrated on an individual basis. There will be no right or account created under any of the agreements, or any balances on authority for any claims to be arbitrated on a class action basis or any such account, (b) advertisements, promotions or statements on bases involving claims brought in a purported representative related to any accounts, goods or services financed under any capacity on behalf of the general public, other Card Members or accounts or terms of financing, (c) benefits and services related to other persons similarly situated. Card Membership (including fee-based or free benefit programs, enrollment services and rewards programs) and (d) your application The arbitrator’s authority is limited to claims between you and us for any account. You may not sell, assign or transfer a claim. alone. Claims may not be joined or consolidated unless you and we agree in writing. An arbitration award and any judgment confirming

Page 3 of 4 it will apply only to the specific case and cannot be used in any 26) Communication Authorization other case except to enforce the award. Notwithstanding any other If we need to contact you to service your Corporate Card account or provision and without waiving the right to appeal such decision, if to collect Charges on it, you authorize us (and our affiliates, agents any portion of these Limitations on Arbitration is deemed invalid and contractors, such as debt collection agencies and service or unenforceable, then the entire Arbitration provision (other than providers) to contact you at any phone number or email address this sentence) will not apply. you (or the program administrator of your Corporate Card account) provide, from which you contact us, or at which we believe we can Arbitration Procedures reach you. We may contact you in any way, such as calling, texting, This Arbitration provision is governed by the FAA. The arbitrator emailing, sending mobile application push notifications or using will apply applicable substantive law, statutes of limitations and any other method of communication permitted by law. We may privileges. The arbitrator will not apply any federal or state rules contact you using an automated dialer or prerecorded messages. of civil procedure or evidence in matters relating to evidence or We may contact you on a mobile, wireless or similar device, even discovery. Subject to the Limitations on Arbitration, the arbitrator if you are charged for it. may otherwise award any relief available in court. The arbitration will be confidential, but you may notify any government authority AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. of your claim. American Express Customer Care If your claim is for $10,000 or less, you may choose whether the Global Corporate Payments arbitration will be conducted solely on the basis of documents, © 2019 American Express Travel Related Services Company, Inc. through a telephonic hearing, or by an in-person hearing. At any party’s request, the arbitrator will provide a brief written explanation of the award. The arbitrator’s award will be final and binding, except for any right of appeal provided by the FAA; however, any party will have 30 days to appeal the award by notifying the arbitration organization and all parties in writing. The organization will appoint a three-arbitrator panel to decide anew, by majority vote based on written submissions, any aspect of the decision objected to. Judgment upon any award may be entered in any court having jurisdiction. At your election, arbitration hearings will take place in the federal judicial district of your residence.

Page 4 of 4 Agreement Between Corporate FDR# 1122576 Platinum Card Member and American Express Travel Related Services Company, Inc.

Welcome to American Express® Corporate Card Membership in addition to any yield earned by AEEML or us from the currency Read this Agreement thoroughly before you sign or use the conversion spread. Charges converted by seller(s) of goods and enclosed Corporate Platinum Card® from American Express. By services (such as airlines) will be billed at the rates such sellers use. signing, using or accepting the Corporate Platinum Card, you will be agreeing with us to everything written here. Your use of the 6) Liability Corporate Platinum Card will be governed by this Agreement. If Your Corporate Card account is issued to you by us for the benefit you do not wish to be bound by this Agreement, cut the Corporate of the Company. If we opened your Corporate Card account on the Platinum Card in half and return the pieces to us. If you do sign basis of “Full Corporate Liability”, then the Company is fully liable the Corporate Platinum Card, you should not use it before the valid to us for all Charges incurred on your Corporate Card account. If date or after the expiration date printed on the face of the Corporate we opened your Corporate Card account on the basis of “Combined Platinum Card. Liability”, then you, as the Corporate Card Member, and the Company are jointly and severally liable to us for all Charges billed 1) Definitions to your Corporate Card account, except that the Company shall not As you read this Agreement, remember that the words “you”, “your” be liable for Charges you incur that are personal in nature or not for or “Corporate Platinum Card Member” mean the person named on the business purposes. enclosed Corporate Platinum Card. The words “American Express”, “we”, “our” and “us” refer to American Express Travel Related If we make a billing statement available to you, then your Corporate Services Company, Inc. The word “Company” means the entity in Card account is issued as “Combined Liability”. If we do not make whose name the Corporate Platinum Card account is opened and a billing statement available to you, your account is issued as “Full whose name appears, in most instances, on the Corporate Platinum Corporate Liability” and all of your Charges will be billed directly to Card under your name. A “Card” issued to a Corporate Platinum Card the Company. Summaries of charges that indicate they are not to be Member is called a Corporate Platinum Card. paid, by including “For your records only – do not pay” or similar language, are not billing statements. 2) Use of the Corporate Platinum Card You agree to use the Corporate Platinum Card solely for commercial This Agreement has no effect on your Company’s expense reporting business purposes in accordance with Company policy. No other policy, procedures or your right to reimbursement or payment person is permitted to use this Corporate Platinum Card for Charges, by the Company. Termination of this Agreement does not affect identification or for any other reasons. Spending limits may be liability for Charges made prior to termination. placed on your Corporate Platinum Card, either at the request of your Company or at the discretion of American Express. Should 7) Payments your Corporate Platinum Card account be subject to spending limits, Payment for all Charges is due immediately upon receipt of the you will be notified in writing. You agree that you will not resell billing statement. You must notify us immediately of any change or return for a cash refund any goods, tickets or services obtained in your billing address. All payments must be sent to the payment with the Corporate Platinum Card. Obviously, you may return any address shown on your billing statement and must include the item or ticket to an establishment honoring the Corporate Platinum remittance coupon from your billing statement. You must pay us Card, for credit to your account, if that establishment permits such in U.S. currency, with a single draft or check drawn on a U.S. bank returns. We reserve the right to deny authorization for any Charge. and payable in U.S. dollars, or with a single negotiable instrument payable in U.S. dollars and clearable through the U.S. banking 3) Annual Fee system, or through an electronic payment method clearable The annual fee for the Corporate Platinum Card is $395 and will be through the U.S. banking system. Your account number must be billed to your account annually. Effective March 6, 2020, the annual included on or with all payments. If we decide to accept a payment fee will increase to $550. made in a foreign currency, you authorize us to choose a conversion rate that is acceptable to us to convert your remittance into U.S. 4) Corporate Platinum Card Charges currency, unless a particular rate is required by law. Payments All amounts charged to your account, including, without limitation, conforming to the above requirements that we receive no later than purchases, cash advances, any annual Corporate Platinum Card the hour specified on your billing statement will be credited to your fees and other fees, will be called “Charges” in this Agreement. account as of the day received; payments conforming to the above Charges also include any purchases in which you have evidenced requirements that we receive after the hour specified on your billing an intent to incur a charge, regardless of whether you have signed statement will be credited to your account as of the following day. a charge form. If you are reimbursed by your Company for Charges, If payment does not conform to the requirements stated above, then you are accountable for any reimbursements and agree to crediting may be delayed. If this happens, additional Charges may remit such funds promptly. be imposed. We may accept late payments, partial payments or any payments marked as being payment in full or as being settlement of 5) Charges Made in Foreign Currencies any dispute without losing any of our rights under this Agreement If you incur a Charge in a foreign currency (“Foreign Currency or under the law. Our acceptance of any such payments does not Transaction”), you will be purchasing from AE Exposure mean we agree to change this Agreement in any way. You agree that Management Ltd. (“AEEML”) an amount of foreign currency our acceptance of such payments will not operate as an accord and sufficient to cover the Foreign Currency Transaction. The Foreign satisfaction without our prior express written approval. Currency Transaction will be converted into U. S. dollars on the date it is processed by Amex or its agents. Unless a particular rate 8) Late Fees is required by applicable law, you authorize AEEML to choose a We will provide a billing statement to you or to the Company, as conversion rate that is acceptable to AEEML for that date. Currently, applicable, at the end of each statement billing period (intervals of the conversion rate that AEEML uses for a Charge in foreign currency approximately one month). Each billing statement will identify a is 2.5% higher than (a) the highest official conversion rate published “Closing Date” which is the cutoff date we determine for including by a government agency or (b) the highest interbank conversion Charges and payments for that statement billing period. “Next rate identified by AEEML from customary banking sources, on the Closing Date” with respect to any billing statement means the conversion date or the prior business day, whichever is greater. This Closing Date of the billing statement that immediately follows such conversion rate may differ from rates in effect on the date of the billing statement. If Charges on a billing statement remain unpaid, Charge. This conversion rate will be payable to Amex and will be we may assess a late fee. The amount of the late fee depends on the

Page 1 of 4 length of time your account has remained unpaid and the billing Card at any time without notice to you. Availability of benefits is address that we have on file for your account. Late fees will accrue subject to internal policy of your Company. as follows, unless prohibited by applicable state law: (a) if there are any amounts totaling more than $50.00, in the aggregate, that were 16) The Corporate Platinum Card Remains Our Property; incurred during a statement billing period and that have not been Cancellation paid and credited to your account by the Next Closing Date, a late We can revoke your right to use the Corporate Platinum Card at any fee of $39.00 may be charged; (b) if there are any amounts totaling time with or without cause, and without giving you notice. We may more than $50.00, in the aggregate, that were incurred during a inform establishments honoring the Corporate Platinum Card that statement billing period and that have not been paid and credited the Corporate Platinum Card issued to you has been revoked or to your account by the following Next Closing Date, a late fee equal cancelled. If we revoke the Corporate Platinum Card or it expires, to the greater of $39.00 or 2.99% of all amounts not credited for you must return it to us upon our request. Also, if the Company at least one statement billing period may be charged; and (c) or an establishment that accepts the Corporate Platinum Card asks payment of the total amount due is not credited to the account by you to surrender an expired or revoked Corporate Platinum Card, successive Next Closing Dates, Amex may assess a fee equal to the you must do so. You may not use the Corporate Platinum Card after greater of $39.00 or 2.99% of all amounts not credited for at least it has expired or after it has been revoked. one statement billing period. For purposes of calculating late fees, we will disregard amounts owed for any annual Corporate Card fee. 17) Credit Information; Telephone Monitoring Late fees will not exceed the maximum allowed by law. You authorize us to make whatever credit inquiries we may deem appropriate and obtain and exchange any information we may 9) Problems with Goods and Services receive in the course of such investigation with our affiliates. We If you have any questions, problems or disputes concerning the may ask credit reporting agencies for reports of your individual monthly statement, you should contact us immediately and we will credit history. From time to time we may obtain follow-up credit take all reasonable and appropriate steps to provide the information reports on you. Upon request, we will tell you whether an individual you request or to resolve your dispute. However, unless required report was requested and the name and address of the agency by law, we are not responsible for any problems you have with any that furnished it. Your performance under this Agreement may be goods or services you charge on the Corporate Platinum Card, and, reported to credit reporting agencies. If you believe information we if you have a dispute with an establishment honoring the Corporate have furnished to a credit reporting agency about your Corporate Platinum Card, payment must be made and the dispute settled Platinum Card account is inaccurate, you should write to us at the directly with the establishment. We will not be responsible if any following address and identify the specific information you believe establishment refuses to honor the Corporate Platinum Card or is inaccurate: American Express Credit Bureau Unit, P.O. Box 7871, for any other problems you may have with such establishment. Ft. Lauderdale, Florida 33329-7871. You agree that we may monitor Without limiting any of the foregoing, if we credit your account for telephone calls between you and us to ensure the quality of the all or part of any Charge on the Corporate Card, we automatically customer service we provide. succeed to, and you are automatically deemed to assign and transfer to us, any rights and claims (excluding tort claims) that 18) Information Provided to Affiliates you have, had, or may have against any third party for an amount You authorize American Express, its affiliates and licensees to equal to the amount we credited to your account. You further agree exchange business and consumer credit reports. You may direct us that without our consent you will not pursue any claim against not to share with our affiliates and subsidiaries certain information or reimbursement from such third party for the amount that we (other than transaction or experience information) about you credited to your account, and that you will cooperate with us if we or your Corporate Platinum Card account by writing to us at: decide to pursue the third party for the amount credited. American Express, P.O. Box 981540, El Paso, TX 79998-1540. Please include your Corporate Platinum Card account number. 10) Corporate Express Cash You may be able to enroll in the Corporate Express Cash program to 19) Privacy Act of 1974 Notification obtain cash at ATM dispensing machines. We will have a separate American Express has entered into contracts which enable agreement with you concerning use of the Corporate Card in the Corporate Platinum Card to be accepted at certain Federal connection with this program. Government agencies and departments (“Agencies”). As with Card transactions at commercial establishments, when you choose to 11) Insurance use your Corporate Platinum Card at an Agency certain Charge If you use the Corporate Platinum Card to pay insurance premiums, information is necessarily collected by American Express. Charge you give us permission to pay those premiums for you when due information from Card transactions at Agencies may be used for and agree to pay us in accordance with the terms of this Agreement. processing Charges and payments, billing and collections activities You must tell us in writing if you no longer wish us to pay premiums and may be aggregated for reporting, analysis and marketing for you. If your Corporate Platinum Card account is cancelled, we activities. Additional “routine uses” of Charge information by will stop paying premiums for you. Agencies are published periodically in the Federal Register.

12) Lost or Stolen Corporate Platinum Cards 20) Use of Corporate Platinum Card Information You agree to notify us immediately if the Corporate Platinum Card a) Your Corporate Platinum Card is issued to you under your is lost or stolen or if you suspect it is being used without your Company’s Corporate Card Program and is to be used solely for permission. commercial business expenses and in accordance with Company policy. We use data about your Corporate Platinum Card account 13) Renewal and Replacement Corporate Platinum Cards to provide reports to your Company. We may exchange information Your Corporate Platinum Card account will be valid through the about you, your Corporate Platinum Card account and Charges on expiration date printed on the face of the Corporate Platinum Card. your Corporate Platinum Card account (including details of goods By accepting the issuance of this Corporate Platinum Card, you or services purchased) (the “Data”) with American Express affiliates are requesting us to issue you a renewal or replacement Corporate and licensees, including their agents, processors and suppliers; Platinum Card before the current Corporate Platinum Card expires. with your Company or its subsidiaries, parent and affiliated We will continue to issue renewal or replacement Corporate companies, including their agents and processors; with any party Platinum Cards until you or the Company tells us to stop. authorized by you; with companies who distribute the Corporate Platinum Card, with any other party whose name or logo appears 14) Changing this Agreement; Assignment on the Corporate Platinum Card; and with merchants (“Service We have the right to change this Agreement at any time. We will Establishments”) used by you, in order to administer and service notify you of any changes. We will consider that you have accepted your Corporate Platinum Card account, process and collect Charges the changes if you keep or use the Corporate Platinum Card after on it and manage any benefits, insurance, travel or other corporate you receive our notice. If you do not accept the changes, you may programs in which you or your Company is enrolled. Where you terminate this Agreement by cutting the Corporate Platinum Card purchase goods and/or services on behalf of a third party, you in half and returning the parts to us. We may assign this Agreement must obtain that third party’s consent to the disclosure of his or at any time without notice. her information to us for these purposes. In addition, Data created as the result of your use of the Corporate Platinum Card at certain 15) Benefits and Services Service Establishments, including hotel and car rental locations Subject to applicable law, we reserve the right to add, modify or (collectively, “Rental Locations”), may be used by your Company, delete any benefit or service offered with the Corporate Platinum

Page 2 of 4 the Rental Location, and/or American Express to enable your Card Membership (including fee-based or free benefit programs, Company to effectively manage its business expense policy. Your enrollment services and rewards programs) and (d) your application use of the Corporate Platinum Card at any such Rental Location for any account. You may not sell, assign or transfer a claim. shall constitute your consent to the use of your Data as described in this paragraph. Sending a Claim Notice Before beginning a lawsuit, mediation or arbitration, you b) If you have arranged for certain merchants to store your and we agree to send a written notice (a claim notice) to each Corporate Card number and expiration date (so that, for example: party against whom a claim is asserted, in order to provide an the merchant may charge your account at regular intervals; or you opportunity to resolve the claim informally or through mediation. may make charges using that stored Card information), we may, Go to americanexpress.com/claim for a sample claim notice. but are not required to, tell these merchants if your expiration The claim notice must describe the claim and state the specific date or Card number changes or if your account is cancelled. You relief demanded. Notice to you may be provided by your billing must notify these merchants directly if you would like them to stop statement or sent to your billing address. Notice to us must charging your Corporate Card. include your name, address and account number and be sent to American Express ADR c/o CT Corporation System, 111 8th Ave., 21) Mailing Lists NY, NY 10011. If the claim proceeds to arbitration, the amount of We may use information you have provided to us on your initial any relief demanded in a claim notice will not be disclosed to the application and in surveys, information from how you use the arbitrator until after the arbitrator rules. Corporate Platinum Card and information from external sources, including consumer reports, for marketing activities (including Mediation mailing lists) by us and other American Express companies. We In mediation, a neutral mediator helps parties resolve a claim. may also use information derived from how you use the Corporate The mediator does not decide the claim but helps parties reach Platinum Card and non-credit information available from public agreement. Before beginning mediation, you or we must first send sources to develop mailing lists which are used to develop offers a claim notice. Within 30 days after sending or receiving a claim you may receive from American Express in conjunction with notice, you or we may submit the claim to JAMS (1-800-352-5267, our partners and service providers. If at any time you wish to jamsadr.com) or the American Arbitration Association (“AAA”) have your name and address removed from such lists, please call (1-800-778-7879, adr.org) for mediation. We will pay the fees of the 1-800-297 -8378. mediator.

22) Governing Law All mediation-related communications are confidential, This Agreement is governed by the laws of the State of New York inadmissible in court and not subject to discovery. All applicable (without regard to internal principles of conflicts of law) and statutes of limitations will be tolled until termination of the applicable federal law. mediation. Either you or we may terminate the mediation at any time. The submission or failure to submit a claim to mediation will 23) Fees for Suspended or Cancelled Corporate Platinum Cards not affect your or our right to elect arbitration. If your Corporate Platinum Card becomes 90 days past due and your charge privileges are suspended, we will charge a $25 administrative Arbitration suspense fee, subject to applicable law. If we cancel your right to You or we may elect to resolve any claim by individual arbitration. use your Corporate Platinum Card due to non-payment, we will Claims are decided by a neutral arbitrator. charge a $25 reinstatement fee to process requests to reinstate your cancelled Corporate Platinum Card, subject to applicable law. We If arbitration is chosen by any party, neither you nor we will have reserve the right, upon notice, to change these fees and/or charge the right to litigate that claim in court or have a jury trial on that additional fees in connection with reinstatement, cancellation or claim. Further, you and we will not have the right to participate in suspension of your Corporate Platinum Card. a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Arbitration procedures are 24) Electronic Notices generally simpler than the rules that apply in court, and discovery Billing statements, notices (which include changes to this is more limited. The arbitrator’s decisions are as enforceable as Agreement), disclosures, additional copies of this Agreement, any court order and are subject to very limited review by a court. if requested, and other communications (together called Except as set forth below, the arbitrator’s decision will be final and “Communications”) may be sent to you electronically or made binding. Other rights you or we would have in court may also not be available online. You must maintain a valid billing address and available in arbitration. phone number in our records for your account. You also agree that, where permitted by law, we may send Communications to your Initiating Arbitration Company or your Company’s designated representative concerning Before beginning arbitration, you or we must first send a claim accounts that are billed to and paid by your Company, in which case notice. Claims will be referred to either JAMS or AAA, as selected Communications to your Company or your Company’s designated by the party electing arbitration. Claims will be resolved pursuant representative about such accounts, your Card, or this Agreement to this Arbitration provision and the selected organization’s will be deemed to be a Communication from us to you. rules in effect when the claim is filed, except where those rules conflict with this Agreement. If we choose the organization, you 25) CLAIMS RESOLUTION may select the other within 30 days after receiving notice of our Most customer concerns can be resolved by calling our Customer selection. Contact JAMS or AAA to begin an arbitration or for other Service Department at the number listed on the back of your Card. information. Claims also may be referred to another arbitration In the event Customer Service is unable to resolve a complaint organization if you and we agree in writing or to an arbitrator to your satisfaction, this section explains how claims can be appointed pursuant to section 5 of the Federal Arbitration Act, resolved through mediation, arbitration or litigation. It includes an 9 U.S.C. §§ 1-16 (FAA). arbitration provision. We will not elect arbitration for any claim you file in small claims For this section, you and us includes any corporate parents, court, so long as the claim is individual and pending only in that subsidiaries, affiliates or related persons or entities.Claim means court. You or we may otherwise elect to arbitrate any claim at any any current or future claim, dispute or controversy relating to your time unless it has been filed in court and trial has begun or final account(s), this Agreement, or any agreement or relationship you judgment has been entered. Either you or we may delay enforcing have or had with us, except for the validity, enforceability or scope or not exercise rights under this Arbitration provision, including of the Arbitration provision. Claim includes but is not limited to: (1) the right to arbitrate a claim, without waiving the right to exercise initial claims, counterclaims, crossclaims and third-party claims; or enforce those rights. (2) claims based upon contract, tort, fraud, statute, regulation, common law and equity; (3) claims by or against any third party Limitations on Arbitration using or providing any product, service or benefit in connection If either party elects to resolve a claim by arbitration, that claim with any account; and (4) claims that arise from or relate to (a) any will be arbitrated on an individual basis. There will be no right or account created under any of the agreements, or any balances on authority for any claims to be arbitrated on a class action basis or any such account, (b) advertisements, promotions or statements on bases involving claims brought in a purported representative related to any accounts, goods or services financed under any capacity on behalf of the general public, other Card Members or accounts or terms of financing, (c) benefits and services related to other persons similarly situated.

Page 3 of 4 The arbitrator’s authority is limited to claims between you and us 26) Communication Authorization alone. Claims may not be joined or consolidated unless you and we If we need to contact you to service your Corporate Card account or agree in writing. An arbitration award and any judgment confirming to collect Charges on it, you authorize us (and our affiliates, agents it will apply only to the specific case and cannot be used in any and contractors, such as debt collection agencies and service other case except to enforce the award. Notwithstanding any other providers) to contact you at any phone number or email address provision and without waiving the right to appeal such decision, if you (or the program administrator of your Corporate Card account) any portion of these Limitations on Arbitration is deemed invalid provide, from which you contact us, or at which we believe we can or unenforceable, then the entire Arbitration provision (other than reach you. We may contact you in any way, such as calling, texting, this sentence) will not apply. emailing, sending mobile application push notifications or using any other method of communication permitted by law. We may Arbitration Procedures contact you using an automated dialer or prerecorded messages. This Arbitration provision is governed by the FAA. The arbitrator We may contact you on a mobile, wireless or similar device, even if will apply applicable substantive law, statutes of limitations and you are charged for it. privileges. The arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to evidence or AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. discovery. Subject to the Limitations on Arbitration, the arbitrator may otherwise award any relief available in court. The arbitration American Express Customer Care will be confidential, but you may notify any government authority Global Corporate Payments of your claim. © 2019 American Express Travel Related Services Company, Inc.

If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, through a telephonic hearing, or by an in-person hearing. At any party’s request, the arbitrator will provide a brief written explanation of the award. The arbitrator’s award will be final and binding, except for any right of appeal provided by the FAA; however, any party will have 30 days to appeal the award by notifying the arbitration organization and all parties in writing. The organization will appoint a three-arbitrator panel to decide anew, by majority vote based on written submissions, any aspect of the decision objected to. Judgment upon any award may be entered in any court having jurisdiction. At your election, arbitration hearings will take place in the federal judicial district of your residence.

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