American Express Blue Cash for Business Credit Card

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Blue Cash® for Business Credit Card

IMPORTANT INFORMATION REGARDING YOUR APPLICATION

	The information in this application is accurate as of 02/02/04. This information may have changed after that date.To find out about any changes, please call us at 800-628-2244.
	Patriot Act Notice: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.

Our Agreement

The Authorizing Officer and the Company, through its Authorizing Officer (a) request that a Card be issued on the Company's account to the individual Applicant(s), (b) authorize the receipt and exchange of credit information on both the Authorizing Officer and the Company, (c) agree to be liable for all charges to the Card account, (d) agree to be bound by the terms and conditions of the Agreements received with each Card, (e) represent that the card(s) issued on this account will be used for business or commercial purposes. The Agreement(s) will be sent with the Card(s) to each person designated by the Company to receive it (them).

I understand that I must provide all the information requested in this Application and I certify that such information is accurate. I authorize you to verify the information on the application and exchange information on me, including requesting reports from credit reporting agencies. I am aware that this information will be used to determine my eligibility for the Card and that, if my Application is approved, you may contact these sources to update information at any time. If I ask whether or not a credit report was requested, you will tell me; if you received a report, you will give me the name and address of the agency that furnished it. I am also aware that information about me may be used for marketing and administrative purposes and shared with your affiliates and subsidiaries. However, I may direct you not to share with your affiliates and subsidiaries certain information (other than transaction or experience information) about my Account or me by writing to you at: American Express, P.O. Box 7852, Ft. Lauderdale, FL 33329. (Please include your Social Security number.)

Disclosure

ANNUAL PERCENTAGE RATE FOR PURCHASES:0%^†Introductory APR for 6 months on purchases made with plastic only. Then, the Annual Percentage Rate will be a variable rate equal to the Prime Rate plus a fixed margin ranging from 2.99%, 4.99%, 6.99% or 9.99%, currently 7.49%, 9.49%, 11.49%, 14.49% respectively, as determined by us based on our credit evaluation and a number of factors, including size of the credit line.

OTHER ANNUAL PERCENTAGE RATES:

	BALANCE TRANSFER APR: 7.99% fixed for the life of balance, for balance transfers made during the first six months of membership.
	CASH ADVANCE APR: Prime + 14.99%, currently 19.49%.
	DEFAULT APR: Variable Rate of P+15.99% (P+21.99% for cash advances) for defaulted accounts; P+21.99% on all balances for seriously defaulted accounts*.
	VARIABLE RATE INFORMATION: Your APRs may vary. The APR for purchases is determined monthly by adding 2.99%, 4.99%, 6.99%, or 9.99%. to the Prime Rate. The APR for cash advances is determined monthly by adding 14.99% to the Prime Rate. The APR for defaulted and seriously defaulted accounts is determined monthly by adding 15.99% or 21.99%, respectively, to the Prime Rate.^†
	GRACE PERIOD FOR REPAYMENT OF THE BALANCE FOR PURCHASES: 25 days for purchases if full previous balance is paid by due date.
	METHOD OF COMPUTING THE BALANCE FOR PURCHASES: Average daily balance (including new purchases).
	ANNUAL FEE: There is no annual fee for this account.
	MINIMUM FINANCE CHARGE: $0.50
	OTHER FEES: Late Payment Fee: $15 on balances less than $100, $29 on balances of $100 to $1,000, and $35 on balances greater than $1,000. Overlimit fee: $35.
	FEE FOR CASH ADVANCES THROUGH EXPRESS CASH: 3% of withdrawal with $5.00 minimum and no maximum.

Cash Rebate
There is no limit to the amount of cash rewards you are eligible for. Your annual cash reward for purchases at Everyday Savings is up to 5%. Your annual cash reward for all other purchases is up to 2.5%. Once your spending for the year exceeds $15,000, the cash reward for additional purchases at Everyday Savings is 2% and your annual cash reward for all other purchases is 1%.

Everyday Savings are purchases at FedEx^®, Kinko’s and Staples^® which are subject to change.

Balance transfers are not eligible for cash back.

The annual rebate will be credited to your statement in the month of February. To receive your rebate, your account must be in good standing.

^†The Prime Rate for billing periods ending in any month is the higher of the Prime Rate(s) published in The Wall Street Journal on the 1st or 25th day (or, if such date is not a business day, the next day) of the prior month.

*Your account is reviewed monthly and will be considered in default if minimum payments are not timely paid, your account is over limit, any account terms are breached, or the account is otherwise in default as defined in the Cardmember Agreement, in each case during any portion of the 12-month period ending with the Closing Date of the current billing period. Defaulted accounts will forfeit the introductory and promotional rate. If a promotional rate is in effect, that rate will apply and expire according to the promotional terms disclosed to you when you were offered the account or promotional opportunity.

Additional Information

Buyer's Assurance Plan Policy
is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0953.

Baggage Insurance Plan Policy
is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0400.

Car Rental Loss and Damage Insurance
covers you for theft of, or damage to, most Rental Autos for the first 30 days of rental if rented from a commercial car rental company. Simply use your eligible Card to reserve, pick up, and pay for an auto rental and decline the Rental Company's full collision damage waiver (or similar option). The coverage is in excess of your other insurance and is only available for Rental Autos rented in the United States, its territories and possessions. See the Description of Coverage or call 1-800-338-1670 for full details. Coverage is subject to the terms, conditions and exclusions of Policy AX0925 underwritten by AMEX Assurance Company, Admin. Office, Green Bay, WI. Certain vehicles are not covered and other significant exclusions apply.

Additional Information

Purchase Protection Plan Policy
is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0951.

Travel Accident Insurance Policy
is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0948. See Description of Coverage for complete details.

Express Cash
Enroll in Express Cash and get cash at more than 500,000 ATMs worldwide. Transaction fees are 3% for cash transaction, with a minimum fee of $5.00 and no maximum. Funds are drawn against your cash advance limit, subject to a limit of $1,000 every 7 days and any other limits the banks impose. To enroll in Express Cash, simply call 1-800-CASH-NOW.

Travel Services Locations
Not all services are available at all locations. Services are subject to local laws and cash availability.

OPEN Savings^SM Program Payment must be made with an American Express® Business Card. Participation and offers are subject to change without notice. Terms and conditions apply. For more information please visit open.americanexpress.com/savings.

	AT&T Savings apply to qualifying AT&T Small Business calling plans billed via automatic bill payment using an American Express Business card. Enroll at www.att.com/opensavings or 1-800-329-9384. This discount does not apply to any other AT&T service, including AT&T Residential Services, AT&T Business Network Service, AT&T Internet Services, AT&T Teleconferencing and Web Meeting Services or any wireless services provided by AT&T. One-time monthly payments are not eligible for the discount. Discount will appear on your American Express Business Card monthly statement within 1 to 2 billing cycles after you sign up for Automatic Bill Payment with AT&T. AT&T and the Globe Design are registered trademarks of AT&T Corp. All rights reserved.
	ExpensAble Valid only directly through ExpensAble.
	FedEx^® The OPEN Savings discount applies to FedEx Priority Overnight®, FedEx Standard Overnight®, FedEx 2Day®, FedEx Express Saver®, FedEx 1Day Freight®, FedEx 2Day Freight®, FedEx 3Day Freight®, FedEx International Priority®, FedEx Ground® and FedEx Home Delivery shipments services. Discounted Services do not include Easy Packaging from FedEx, or International Duties and Taxes. The maximum annual discount available is $1000. Discount not available on FedEx shipments originating from Kinko's® locations unless the method of payment is a FedEx account linked to an American Express® Business Card.
	Hertz^® Valid only at U.S. participating locations.
	Staples^® Valid on all U.S. purchases.
	USA TODAY Valid on all U.S. subscription purchases.
	1-800-FLOWERS.COM^® Valid on all U.S. purchases - online, in store or by telephone.