AMERICAN EXPRESS OptBlueSM Program

AMERICAN EXPRESS OptBlueSM Program
PRIORITY PAYMENT SYSTEMS PRESENTS AMERICAN EXPRESS OptBlueSM Program External Sales Training 2014 The information provided herein is strictly confidential, is owned by Priority Payment Systems LLC or its affiliates referenced herein, and intended solely for use by the designated recipient for its internal business purposes only. These materials cannot be distributed or shared outside of your organization with any third party, without Priority Payment Systems LLC prior review and approval.

Introduction agenda Program Features Program Benefits
About American Express Selling American Express® Card Acceptance The Value of Merchant Membership Review & Next Steps Resources This is confidential

Key Training Objectives
introduction Key Training Objectives Know the key features of the American Express OptBlue program Understand the benefits of American Express® Card acceptance through this program for both you and your merchants Feel prepared to respond when a merchant has objections Know how to take the next steps to start selling Card acceptance Select version of introduction that is applicable to your audience and tell the audience a little about yourself and the key objectives shown on the slide.

PROGRAM NAME & USAGE The official name of the enhanced acquisition program for American Express is OptBlueSM. The name reflects the continuing evolution of American Express’ US merchant acquiring business, and is intended to represent the ability of more small merchants to “opt” into American Express® Card acceptance. The mark OptBlueSM may be used in sales agent and merchant communications, and characterized as “a program”. In all cases, communications should clearly communicate that American Express Card acceptance is being offered directly by the Priority Payment Systems and should seem as seamless to merchants, and as simple and straightforward as acceptance of any other major card brand. In written, internal and external communications, always associate the OptBlueSM mark with American Express, using phrases such as “American Express OptBlueSM Program” or “OptBlueSM from American Express”. Use the OptBlueSM mark once to initially introduce the new program, but then simply refer to American Express or American Express Card acceptance throughout the rest of the communication. The OptBlueSM mark must never be used to denote acceptance of Other Payment Product brands. Select version of introduction that is applicable to your audience and tell the audience a little about yourself and the key objectives shown on the slide.

Program Features agenda Introduction Program Benefits

What is New? The new program allows Priority Payment Systems and designated sales channels to enter into contracts with eligible* merchants in the United States, with responsibility for determining pricing, and for risk/liability and full servicing of all American Express® Card transaction processing. This is another step in the evolution of the American Express merchant acquiring business. Fast Merchant Setup Determine Merchant Pricing Merchant Contract (with provisions) Risk and Liability Consolidated Settlement and Statements Complete Merchant Servicing * Eligible merchants processing up to $1 million in AXP annual charge volume. Other eligibility requirements apply.

American Express PROGRAM Differences
Category Sales Only Sales, Settlement, Servicing Sales, Pricing, Settlement, Servicing Pricing American Express Program Participant Application / Sign-Up American Express separately American Express and bankcard American Express and bankcard simultaneously Virtually no delay in merchant setup and no separate AXP signature. Contract American Express administers Program Participant has contract with merchant, with American Express provisions. Speed of Pay 3 business days after American Express receives the batch 1-2 business days (same as bankcard) Settlement Net Daily - Daily Gross - Monthly Gross One consolidated settlement Consolidated settlement Statements Separate statement One consolidated statement Consolidated statement Servicing American Express manages servicing directly or online Service Agent manages all servicing for American Express and bankcard Program Participant manages all pricing and servicing for American Express and bankcard Ordering POP Call American Express or order online Merchant contacts Service Agent Merchant contacts Program Participant Value-Added Services American Express contacts merchant directly American Express may contact merchant directly Service Agent may refer merchants to American Express Program participant may refer merchants to American Express OptBlueSM

Merchant eligibility The program is currently NOT available to:
Industries/Franchisees listed on the American Express Prohibited Industries List & Franchise List (in the MX Agent Library/American Express folder) Any existing PSP (Payment Service Provider) processing over $250 million in annual American Express Charge Volume Merchants who are estimated to process over $1 million in annual American Express Charge Volume (rolling 12 month volume) Merchants based outside the 50 states in the U.S. Note: Merchant may be converted from the American Express Program Card Acceptance to a direct Card acceptance relationship with American Express if and when Merchant has either (i) greater than $1,000,000 in Charge Volume in a rolling twelve (12) month prior or (ii) greater than $1,000,000 in Charge Volume in any three (3) consecutive months (hereinafter “High CV Merchant”). Upon conversion, (i) the Merchant will be bound by American Express’ then-current Card Acceptance Agreement; and (ii) American Express will set pricing and other fees payable by the Merchant for Card acceptance.

Program Rates, Fees and Positioning Structure
Merchants can be on any Discount Plan (Tiered, Pass Through, ERR or Flat Rate) currently available to your portfolio. The OptBlue Discount Plan can be the same or different from the Discount Plan for other Card Brands. The following should be into consideration when calculating the merchant discount rate: Applicable Program Pricing (based on MCC/Industry Type) Applicable Schedule A OptBlue Discount rate = .20% (20 bps) Profitability Mark up

Program Rates, Fees and Positioning Structure
Additional Fees that will apply as a direct pass through to the merchant include: Network Fee = .15% (15 bps) of each transaction* Non-Compliance Fee = .75% of each transaction that does not comply with Technical Specifications Data Incident Non-Compliance or Data Security Non-Validation in respect to Data Incidents. *Always as pass through to the merchant regardless of Discount Plan or Discount Rate

PROGRAM PRICING Do not refer to Program Pricing as Interchange Program Pricing is based on MCC (Merchant Category Code) and its correlating Industry Type. (Complete list of MCC/Industry Types available in MX Agent Library/American Express folder) Each Industry Type has 3 possible rates based on transaction amount. Additional .30% to listed Program Pricing for Key Entered (card not present) transactions. Additional .40% to listed Program Pricing for transactions on Non-U.S. issued cards

PROGRAM PRICING RETAIL RESTAURANT MOTO & INTERNET $75 & under
5013, 5021, 5044, 5072, 5192, 5200, 5211, 5231, 5251, 5261, 5309, 5310, 5311, 5331, 5399, 5411, 5422, 5441, 5451, 5462, 5499, 5531, 5532, 5533, 5551, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5681, 5691, 5698, 5699, 5712, 5713, 5714, 5715, 5718, 5719, 5722, 5732, 5733,5734, 5735, 5912, 5921, 5931, 5932, 5937, 5940, 5941, 5942, 5943, 5944, 5945, 5946, 5947, 5948, 5949, 5950, 5965, 5970, 5971, 5972, 5973, 5977, 5978, 5992, 5993, 5994, 5995, 5996, 5997, , 7296, 7631, 7841 $75 & under $75.01-$1,000 Greater than $1,000 1.60% + $.10 Tran Fee 1.95% + $.10 Tran Fee 2.40% + $.10 Tran Fee RESTAURANT 5811,5812,5813,5814 $25 & under $25.01-$150 Greater than $150 1.85% + $.10 Tran Fee 2.45% + $.10 Tran Fee 2.75% + $.10 Tran Fee MOTO & INTERNET 5964, 5968, 5969 $150 & under $ $3,000 Greater than $3,000 1.70% + $.10 Tran Fee 2.05% + $.10 Tran Fee 2.50% + $.10 Tran Fee

PROGRAM PRICING B2B/WHOLESALE HEALTHCARE TRAVEL & ENTERTAINMENT
0780, 1799, 2791, 4215, 5039, 5045, 5046, 5047, 5051, 5065, 5085, 5094, 5099, 5111, 5122, 5131, 5137, 5139, 5169, 5193, 5198, 5199, 6300, 7311, 7333, 7338, 7339, 7349, 7361, 7392, 7394, 7399, 7622, 7692, 7829, 7941, 8734, 8911, 8931, 8999 $400 & under $ $7,500 Greater than $7,500 1.55% + $.10 Tran Fee 1.80% + $.10 Tran Fee 2.25% + $.10 Tran Fee HEALTHCARE 8011, 8021, 8031, , 8043, 8049, 8050, 8062, 8071, 8099 $150 & under $ $2,000 Greater than $2000 1.85% + $.10 Tran Fee 2.30% + $.10 Tran Fee TRAVEL & ENTERTAINMENT 4722, 7011, 7033, 7996, 7999 $100 & under $ $1,000 Greater than $1,000 2.60% + $.10 Tran Fee 3.00% + $.10 Tran Fee

PROFESSIONAL SERVICES
PROGRAM PRICING SERVICES & PROFESSIONAL SERVICES 0742, 0743, 0744, 0763, 1520, 1711, 1731, 1740, 1750, 1761, 1771, 2741, 2842, 4119, 4214, 4225, 4457, 4468, 4821, 4900, 5074, 5271, 5300, 5511, 5521, 5561, 5571, 5592, 5598, 5599, 5697, 5933, 5935, 5975, 5976, 5983, 7210, 7211, 7216, 7217, 7221, 7230, 7251, 7261, 7276, 7277,7278, 7298 7299, 7321, 7342, 7372, 7375, 7379, 7393, 7395, 7523, 7531, 7534, 7535, 7538, 7542, 7549, 7623, 7629, 7641, 7699, 7832, 7911, 7922, 7929, 7932, 7933, 7991, 7992, 7993, 7994, 7997, 7998, 8111, 8641, 8651, 8675, 8699 $400 & under $ $3,000 Greater than $3,000 1.60% + $.10 Tran Fee 1.95% + $.10 Tran Fee 2.40% + $.10 Tran Fee OTHER 4121, 4131, 4582, 4784, 4789, 4812, 4816, 4899, 5541, 5542, 7032, 8211, 8220, 8241, 8244, 8249, 8299, 8351, 8398, 8661, 9211, 9222, 9311, 9399 $100 & under $ $3,000 Greater than $3000 1.50% + $.10 Tran Fee 1.85% + $.10 Tran Fee 2.30% + $.10 Tran Fee PREPAID ALL INDUSTRIES $75 & under $75.01-$1,000 Greater than $1,000 1.35% + $.10 Tran Fee 1.70% + $.10 Tran Fee 2.15% + $.10 Tran Fee

Merchant application process
IMPORTANT THINGS TO REMEMBER: MPA (Merchant Processing Application) and Program Guide versions PPS1709 must be used for American American OptBlueSM program. MX ISO/AGENT revisions will be available on 10/23/2014. PDF document have been uploaded into the Agent Library/Application Package and Change Forms. ESA and OnePoint programs are no longer available for new merchant signings. OptBlue and Direct will be the only 2 options. New SE#s can only be requested for merchants on the Franchise List – ESA Only available in the Agent Library/American Express folder. CAP# must be provided on application. SE#s are assigned per Industry Type for OptBlue and are not unique to the individual merchant. Note to presenter. If you want to post a copy of the merchant application to show the sales rep how to sign up an AXP merchant – please insert here and show the sales reps how to fill out the AXP section of the merchant application.

Note to presenter. If you want to post a copy of the merchant application to show the sales rep how to sign up an AXP merchant – please insert here and show the sales reps how to fill out the AXP section of the merchant application.

The user will have the option to select the Program Type as OptBlue or Amex Direct. The default will be OptBlue. Remember to verify if the merchant meets the program guidelines (less than $1 million CV, eligible merchant, etc) The Discount Plan options are the same as for other Card Brands – Tiered, Pass Through, ERR, or Flat Rate. The boxes will appear based on the Discount Plan chosen. The American Express estimated Monthly Volume, Average Ticket and Highest Ticket fields are located in the Amex Fees section to help you select the appropriate pricing if doing Tiered, ERR, or Flat Rate pricing. Remember, the Program Pricing is based on the transaction amount so it is important to know the Average Ticket and Highest Tickets to adjust the Mid- and Non rates accordingly. See the Tiered Discount Grid sheet in the MX Library/Pricing folder for details on Qual, Mid, Non buckets. The Amex SE# field will be populated automatically based on the assigned SE# for that Industry Type. All merchants in the same Industry Type will have the same SE#. Note to presenter. If you want to post a copy of the merchant application to show the sales rep how to sign up an AXP merchant – please insert here and show the sales reps how to fill out the AXP section of the merchant application.

AMEX DIRECT should only be selected if the merchant does not fit the OptBlue guidelines, the merchant has their own SE#, or the merchant is a new location of an approved Franchise. If the merchant has an existing SE# and wishes to remain as a Direct American Express merchant, select USE EXISTING and a box will appear to add the existing 10 digit SE#. Note to presenter. If you want to post a copy of the merchant application to show the sales rep how to sign up an AXP merchant – please insert here and show the sales reps how to fill out the AXP section of the merchant application.

If ORDER NEW is selected, the CAP# from the Approved Franchise List must be entered as we can only order a new SE# for new locations of a Franchise. The CAP# entered will be validated against the Approved Franchise List so do not use any other number. If the merchant does not meet the OptBlue guidelines but needs a new SE# for a new location they will need to contact American Express TAKE-AXP or Note to presenter. If you want to post a copy of the merchant application to show the sales rep how to sign up an AXP merchant – please insert here and show the sales reps how to fill out the AXP section of the merchant application.

Process for Acquiring & Processing
New to American Express Existing American Express Merchant Eligible for Opt-Blue *Board according to OptBlue process Not Eligible for Opt-Blue *Have merchant call American Express “Want to Honor” channel to request a new merchant agreement and number: TAKE-AXP or Eligible for Opt-Blue *Board according to OptBlue process Not Eligible for Opt-Blue or Wants AXP Direct Relationship *Obtain current American Express merchant number from partner *If the merchant doesn’t know their existing SE #, they can call: Merchants Eligible for OptBlue: Priority Payment to set-up processing for these OptBlue merchants Merchants Not-Eligible for OptBlue: Priority Payment to set-up American Express merchant number for processing with Priority. the = Priority as Processor only the = Priority as Acquirer & Processor

Once the application is entered to MXA, the PDF will be produced. If using a blank PDF prior to entering the data into MXA, fill in only the applicable boxes for either the OptBlue or Direct programs. Note to presenter. If you want to post a copy of the merchant application to show the sales rep how to sign up an AXP merchant – please insert here and show the sales reps how to fill out the AXP section of the merchant application.

Sales rep revenue Model
A new line item will be added to all Schedule As indicating Amex OptBlue Discount Income with a Rate of .20% (20bps) and your applicable Revenue Share % on other Card Brand Discount Income. You will be paid your portion of the OptBlue Discount Income on your monthly residual for the volume processed that month. All Program Pricing will be “pass through” along with the Interchange expense for other Card Brands. A new line item will be added to all Schedule As indicating the American Express Network Fee at .15% (15 bps). This will offset the .15% Network Fee billed to the merchant. There is no change to the American Express Authorization fee expense or residual. Note to presenter. If your partners wants to discuss the revenue share component for the sales reps, insert information

Program Benefits agenda Introduction Program Features

Benefits to sales representatives
Acquiring merchants through the new OptBlueSM program can provide unique benefits for you: Eligible merchant base expanded to include those processing up to $1 million in American Express Card annual charge volume Additional revenue from improved merchant retention Potential For Increased Revenue Ability to determine merchant pricing for American Express Card transactions Fast merchant set-up Streamlined compensation reporting Increased Efficiency High merchant satisfaction Strong bond with merchant Potential For Increased Retention

Priority OptBlue Program
Benefits to merchants Provide merchants with a quick, simple, and easy way to accept American Express Cards Priority OptBlue Program Fast merchant set up Participant determines pricing for all card brands One deposit for all card brands Consolidated statements Single point of contact for all Customer Service needs Ease of reconciliation

Benefits of American Express Products & Services
American Express has a variety of tools and resources to help merchants grow their business and drive incremental revenue. Incremental Revenue Growth Opportunities Engage Merchant’s Best Customers and Prospects Keep Merchant’s Business Ahead of the Curve High-value customers and prospects Added value for higher transaction amounts Ability to say “Yes” to customers’ payment choice Customer confidence in alignment with trusted brand Card Member marketing Digital / Social Media tools & resources

About American Express
agenda Introduction Program Features Program Benefits About American Express Selling American Express® Card Acceptance The Value of Merchant Membership Review & Next Steps Resources This is confidential

About AMERICAN EXPRESS SERVICE
For the seventh year in a row, American Express was ranked highest in customer satisfaction with credit card companies by JD Power & Associates.1 1. JD Power and Associates press release, August , 2013

About AMERICAN EXPRESS® Card Products
When you sign merchants up to accept American Express Cards, you are actually signing them up to accept over 150 different Card products.

American Express Card Members Spend More
In 2013, average spend on an American Express card was more than 3 times that on a non-American Express card,1 and the average American Express card transaction was over 70% higher than the average non-American Express credit or charge card transaction.2 2013 US Average Annual Spend Per Credit or Charge Card3 2013 US Average Credit or Charge Card Transaction Size 4 Source: Nilson Report #1,034 (February 2014) 1. Spend per card derived as U.S. year-end purchase volume divided by year-end cards in force (CIF). CIF represents the number of cards issued and outstanding with cardholders. Average American Express spend per Card equals $11,926. Average Non-American Express spend per card equals $3,560, and includes Visa, MasterCard and Discover credit and charge card volume and CIF and excludes debit volume and CIF. 2. Transaction Size derived as U.S. year-end purchase volume divided by year-end purchase transactions. Average Non-American Express transaction size equals $83, and includes Visa, MasterCard and Discover credit and charge cards and excludes debit volume and transactions. 3. Spend per card derived as U.S. year-end purchase volume divided by year-end cards in force. Visa and MasterCard averages exclude debit volume and cards in force. 4. Transaction Size derived as U.S. year-end purchase volume divided by year-end purchase transactions. Visa and MasterCard averages exclude debit volume and transactions.

AMERICAN EXPRESS CARD MEMBER SPEND
See what consumers told us in a 2013 survey about their spending behavior over a six-month period.* * American Express commissioned internet panel survey conducted in June 2013–July 2013 based on purchases made in the prior 6 months. Definition of American Express® Card Members: Respondents who reported that they have an American Express Card and that they used that card to make purchases in the prior 6 months. Definition of Non-Card Members: Respondents who reported that they do not have any type of American Express Card and that they used a different credit card to make purchases in the prior 6 months.

AMERICAN EXPRESS VALUE claims
Affluence 68% of US American Express Card Members, as compared to 36% of US Non-Card Members, reported a household income of $75,000 or more. Total Spend at Small Business US American Express Card Members reported spending an average of $510, as compared to $314 by Non-Card Members, on total purchases at small businesses in the prior month. Total Personal Spend US American Express Card Members reported spending an average of $1238, as compared to an average of $482 by Non- Card Members, on total personal spend per month using any credit card. Total Business Spend US American Express Card Members reported spending an average of $501, as compared to an average of $148 by Non-Card Members, on total business spend per month using any credit card. Maximize Rewards 70% of US American Express Card Members, as compared to 50% of US Non-Card Members report they strongly agree they try to put all of their spending on one credit card to maximize the value of their rewards. GENERALCLAIMS SURVEY Source: American Express commissioned internet panel survey conducted in June 2013 – July 2013 based on purchases made in the prior 6 months. Definition of American Express® Card Members: Respondents who reported that they have an American Express Card and that they used that card to make purchases in the prior 6 months. Definition of Non-Card Members: Respondents who reported that they do not have any type of American Express Card and that they used a different credit card to make purchases in the prior 6 months.

AMERICAN EXPRESS HAS SUSTAINABLE GROWTH
Despite the challenging economic landscape, American Express credit volume has continued to grow, rising by 7% in 2013. American Express Credit Volume (in Billions)1 7% growth based on higher spending per card, combined with an expanding Card Member base1 American Express 2013 Annual Report, p.3

Selling American Express® Card Acceptance

Tips for selling American Express® Card acceptance
Maximize the opportunity! Lead with the new value of simplified credit card processing for American Express Card transactions. Identify key merchant objectives and utilize the American Express Card value proposition. Make acceptance essential to the success of all small businesses. Encourage merchants to visibly post American Express decals and signage.

GOOD SALES TECHNIQUES Anticipate Listen Probe Educate Confirm
Know your merchant’s business and market challenges Create a plan tailored to the merchant’s needs Listen Ask questions and listen to the merchant’s response Respond positively and empathize with the merchant’s concerns Probe Keep asking questions to uncover the root cause of non-acceptance Demonstrate that you understand the merchant’s point of view and can provide a solution Educate Offer relevant information that directly addresses merchant concerns Confirm Assess the merchant’s satisfaction level Begin the process again, if necessary

Handling objections Getting merchants to understand the value of accepting American Express Cards can mean having to address some common objections head on. Virtually everyone has a Visa® or MasterCard®. Why should I accept American Express Cards? The network of American Express® Card Members is over 52 million American Express Cards in the U.S. alone.1 American Express Card Members report making an average of 112 business-related purchases from small merchants in the past month, compared to 13 such purchases for non-Card Members.2 2 Based on Card Members in the U.S. who reported using their American Express card to make small merchant purchases and reported the number of such purchases using any payment method, compared to non-Card Members who reported making similar purchases. American Express Card Members report spending an average of $510 at small merchants in one month compared to $314 reported by non-Card Members.3 3 Based on Card Members in the U.S. who reported using their American Express card to make purchases in the six months prior to the survey and reported their spend on small merchant purchases in the past month using any payment method, compared to non-Card Members in the U.S. who reported making similar purchases. Accepting American Express Cards can lead to repeat business. American Express Card Members report spending on average 25% more than non-Card Members per transaction at small merchants.4 4 Based on Card Members in the U.S. who reported using their American Express card to make small merchant purchases in the prior month and reported their spend on such purchases using any payment method, compared to non-Card Members in the U.S. who reported making similar purchases. 1 American Express 2013 Annual Report.

HANDLING OBJECTIONS I don’t have any demand for American Express Cards. American Express has over 150 Card products in the market, including the Bluebird® Card from American Express and Walmart® and the new Everyday Card with enhanced rewards. Do you currently display the American Express logo at your register or on your door? Card Members may not know you accept American Express if the logo is not present. Put up decals in your windows, set up displays on your counter and download digital logos for your website to attract Card Members to your business. Are your employees trained to let your customers know you accept American Express Card transactions? Ensure all your employees know and can communicate this to your customers. American Express Card Members report spending on average 25% more than non-Card Members per transaction at small merchants.1 1 Based on Card Members in the U.S. who reported using their American Express card to make small merchant purchases in the prior month and reported their spend on such purchases using any payment method, compared to non-Card Members in the U.S. who reported making similar purchases. American Express rates are too high. Based on available Program Pricing, rates can now be competitive with other card brands

The Value of Merchant Membership

Value of The Merchant Membership
Shop Small Movement Shop Small® is a nationwide movement to help communities thrive by celebrating small businesses every day. As the founding partner, American Express provides ways to help small businesses stand out and attract new customers, and encourages shoppers to get out and shop at small businesses in their neighborhood throughout the year. Small Business Saturday In 2010, American Express founded Small Business Saturday® to help business owners with their biggest need— getting more customers. Four years later, the day still rallies shoppers across the nation to get out and support local businesses each year on the Saturday after Thanksgiving. If you or your merchants need more information about Shop Small® and Small Business Saturday, call American Express at , Mon-Fri, 9 A.M. - 6 P.M. ET, or visit ShopSmall.com.

Review & Next Steps agenda Introduction Program Features
Program Benefits About American Express Selling American Express® Card Acceptance The Value of Merchant Membership Review & Next Steps Resources This is confidential

Reviewing the Key Objectives
Drive stronger performance with the new American Express OptBlue program. Improve the close rate and drive higher activation rates. Grow revenues for merchants and for you. Identify ways American Express can help you be even more successful.

Develop your list of target merchants.
Next steps Update your sales presentation or playbooks to sell American Express Card acceptance. Download MPA PPS1709 from your Portfolio tab or from the MX Agent Library if you need to distribute to your sales reps. Develop your list of target merchants. Keep copies of American Express marketing materials handy (available in the MX Agent Library). Call on NEW merchants!

Sales to New Merchants to your portfolio
Next steps PHASED ROLL OUT Phase 1 Sales to New Merchants to your portfolio Phase 2* Opt-out program offered to existing merchants not currently accepting American Express Phase 3* Convert Existing OnePoint Merchants to OptBlue (based on eligibility) Phase 4* Convert Existing ESA Merchants to OptBlue (based on eligibility) *Systemic conversion plan and communications will be delivered separately

Resources agenda Introduction Program Features Program Benefits

Resources AvAilable in MX Agent Library
A new OptBlue folder has been added to the American Express folder in the MX Agent Library with materials listed below. Approved Franchise List with CAPS and rates Prohibited Industry List Excluded Merchant List Program and Product Sell Sheets Point of Purchase Merchant Sell Sheet And more…

The Knowledge Center at knowledgehub.americanexpress.com
Resources - Merchant The Knowledge Center at knowledgehub.americanexpress.com Articles and content to help your merchants grow and manage their business Content is searchable for ease-of-use Timely material to address current business trends and opportunities

Thank you!

AMERICAN EXPRESS OptBlueSM Program

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