This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085). ® Registered trademark of American Express Company.
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B2B Finance and Loyalty Programs
2011
This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.
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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 customise platform 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
This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.
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PROGRAM LEVERS
CASH FLOW TO CARDHOLDER
15 30 45 60 75 90
REWARDS
0 1 1.5 2 2.5 3
AMEX Merchant
RISK
These examples are for illustrative purposes and is to be used as a guide only.
This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.
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PROGRAM LEVERS
CASH FLOW TO CARDHOLDER
15 30 45 60 75 90
REWARDS
0 1 1.5 2 2.5 3
AMEX Merchant
RISK
CASH FLOW TO MERCHANT
0 15 30 45 60 90
These examples are for illustrative purposes and is to be used as a guide only.
This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.
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30 Day Program
COMMON CASHFLOW MODEL
CASH FLOW
Supplier 30 days from statement + late
Customer 30 days from statement
Supplier supplies throughout month
Supplier’s funded cash flow
30 Days
30
Customer makes payment
1
Supplier sends statement to customer
These examples are for illustrative purposes and is to be used as a guide only.
This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.
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AMEX Funded Cash Flow
CASH FLOW
Supplier1 day
Amex44 days
Customer45 days + MR points
45 Day Program
POTENTIAL AMEX CASHFLOW MODEL
Supplier supplies throughout month
Cash flow extended for your customer
2
Merchant/Supplierreceives payment
Supplier sends statement to Customer & Debits Card
1 30
Customer Payment to AMEX via DD
45
These examples are for illustrative purposes and is to be used as a guide only.
This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.
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AMEX Funded Cash Flow
CASH FLOW
Supplier1 day
Amex59 days
Customer60 days + MR points
60 Day Program
POTENTIAL AMEX CASHFLOW MODEL
Supplier supplies throughout month
Cash flow extended for the customer
2
Merchant/Supplierreceives payment
Supplier sends statement to Customer & Debits Card
1 30
Customer Payment to AMEX via DD
60
These examples are for illustrative purposes and is to be used as a guide only.
This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.
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AMERICAN EXPRESS MEMBERSHIP REWARDS
$1,000 Travel $1,000 Travel
$1,000 Voucher $1,000 Voucher
Award winning Membership Rewards program
Benefit to customers on the Program:
1 Point for every dollar spent on the program^
Points do not expire*
No capping* on points
A customer spending $500,000 on the program will earn a minimum of 500,000 Points
^Subject to the terms and conditions of the Membership Rewards program
*As long as your account remains current and in good standing
Awarded 5 Star Rating for Superior Value (2006, 07 & 09)
Membership Rewards Program
100,000 Points
115,000 Points
This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.
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REWARDS CONCIERGE
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.
VEHICLES TRAVEL ELECTRICAL DINING BUSINESS
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.
This document contains unpublished confidential and proprietary information of American Express. No disclosure or use if any portion may be made without the express written consent of American Express Australia Limited (ABN 92 108 952 085) ® Registered trademark of American Express Company.
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PROGRAM VALUE - BENEFITS TO SUPPLIERS AND CUSTOMERS
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
Benefits to the Merchant (Supplier) Benefits to the Customer (Cardmember)
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