American Express have developed and excellent B2B Finance and Loyalty Program for SME and Large Corporates. For more information please contact: Don Williams tel: +61 3 9633 6423 or email: don.williams@aexp.com (APAC Region)

1. B2B Finance and Loyalty Programs 2011

2. Receivable Financing Loyalty Program AR Platform KEY PILLARS OF AMEX B2B PROGRAM Accelerated cash funding Improved working capital Innovative risk options Unsecured line of financing Off balance sheet debt solution World leading payment platform Closed loop platform Ability to customiseplatform to Merchantand Customer needs Integrated functionality for transactions fromMerchant to American Express Automated payment of card account by customer (direct debit) Leading global Membership Rewards Program Program value & costs can be tailored to Merchant and Customer needs Move focus from “Price to Points” Program fully administered by American Express

3. PROGRAM LEVERS CASH FLOW TO CARDHOLDER 15 30 45 60 75 90 REWARDS 0 1 1.5 2 2.5 3 RISK AMEX Merchant These examples are for illustrative purposes and is to be used as a guide only.

4. PROGRAM LEVERS CASH FLOW TO CARDHOLDER 15 30 45 60 75 90 CASH FLOW TO MERCHANT 0 15 30 45 60 90 REWARDS 0 1 1.5 2 2.5 3 RISK AMEX Merchant These examples are for illustrative purposes and is to be used as a guide only.

5. 30 Day Program COMMON CASHFLOW MODEL Supplier’s funded cash flow CASH FLOW Supplier 30 days from statement + late Customer 30 days from statement Supplier supplies throughout month 30 Days 30 1 Customer makes payment Supplier sends statement to customer These examples are for illustrative purposes and is to be used as a guide only.

6. 45 Day Program POTENTIAL AMEX CASHFLOW MODEL Cash flow extended for your customer Merchant/Supplierreceives payment AMEX Funded Cash Flow Supplier supplies throughout month CASH FLOW Supplier1 day Amex44 days Customer45 days + MR points 2 1 30 45 Supplier sends statement to Customer & Debits Card Customer Payment to AMEX via DD These examples are for illustrative purposes and is to be used as a guide only.

7. 60 Day Program POTENTIAL AMEX CASHFLOW MODEL Cash flow extended for the customer Merchant/Supplierreceives payment AMEX Funded Cash Flow Supplier supplies throughout month CASH FLOW Supplier1 day Amex59 days Customer60 days + MR points 2 1 30 60 Supplier sends statement to Customer & Debits Card Customer Payment to AMEX via DD These examples are for illustrative purposes and is to be used as a guide only.

9. Points do not expire*

10. No capping* on points

11. A customer spending $500,000 on the program will earn a minimum of 500,000Points^Subject to the terms and conditions of the Membership Rewards program *As long as your account remains current and in good standing 100,000 Points $1,000 Travel $1,000 Travel 115,000 Points $1,000 Voucher $1,000 Voucher

12. REWARDS CONCIERGE VEHICLES TRAVEL ELECTRICAL DINING BUSINESS 1. Rewards Concierge offers an unparalleled personal concierge service using Membership Rewards points . 2. From organising business needs to sourcing insurance quotes, the service is customised to meet customers’ exact needs. 3. Rewards Concierge will search for what customers want, quote the points required, and then arrange it on their behalf. They also give customers a range of options to choose from. Rewards Concierge is an invitation only service. There is typically no change for Rewards Concierge, although you are responsible for any purchases and /or shipping charges you authorise. Fees may apply for meeting and event planning.

13. PROGRAM VALUE - BENEFITS TO SUPPLIERS AND CUSTOMERS Benefits to the Merchant (Supplier) Benefits to the Customer (Cardmember) Cash flow funding Customer loyalty Off balance sheet debt solutions Differentiation Revenue growth New & innovative marketing channel Acquire new customers Retain existing customers Process savings Extended payment terms- cash flow funding Membership Rewards benefit- a well accepted loyalty currency Dedicated account servicing Automated payment process Online reporting GST compliant statements