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CORPORATE SERVICES EXPENSE MANAGEMENT SOLUTIONS Your life just became easy. CORPORATE SERVICES EXPENSE MANAGEMENT SOLUTIONS The Corporate Platinum Card from American Express 24-hour Customer Service 1-800-492-3932 Toll-free within the U.S. 623-492-3932 Collect from abroad REAL BUSINESS. REAL SOLUTIONS. These convenient wallet cards offer easy access to Corporate Platinum Card customer service. CORPORATE SERVICES EXPENSE MANAGEMENT SOLUTIONS SAVINGS BENEFIT EMPLOYEES MANAGE GLOBALLY MAXIMIZE CONTROL DRIVE SAVINGS BENEFIT EMPLOYEES MANAGE GLOBALLY REAL BUSINESS. REAL SOLUTIONS. The Corporate Platinum Card from American Express 24-hour Customer Service 1-800-492-3932 Toll-free within the U.S. 623-492-3932 Collect from abroad REAL BUSINESS. REAL SOLUTIONS.

Concierge Services & Platinum Dining Reservations 1-800-345-2639 Toll-free within the U.S. 617-622-6756 Collect from abroad International Airline Program & Fine Hotels & Resorts 1-800-297-2929 Toll-free within the U.S. 602-537-4000 Collect from abroad Premium Global Assist & Roadside Assistance 1-800-345-2639 Toll-free within the U.S. 715-343-7979 Collect from abroad One for you. One for your assistant. Always at your service. World-class service is a hallmark of the Corporate Platinum Card experience. A courteous representative is always available to speak with you by phone. You ll also enjoy a comprehensive suite of online services, allowing you to manage your account quickly, conveniently, and from anywhere without impacting the environment. Concierge Services & Platinum Dining Reservations 1-800-345-2639 Toll-free within the U.S. 617-622-6756 Collect from abroad International Airline Program & Fine Hotels & Resorts 1-800-297-2929 Toll-free within the U.S. 602-537-4000 Collect from abroad Premium Global Assist & Roadside Assistance 1-800-345-2639 Toll-free within the U.S. 715-343-7979 Collect from abroad Register for Manage Your Card Account (MYCA) 1 to take advantage of all your online options, including: View your statement. Pay your bill. Review your account history for the last six months. 1-800-492-3932 Toll-free within the U.S. 623-492-3932 Collect from abroad americanexpress.com/checkyourbill

Access to exclusive benefits. Key Benefits Your Corporate Platinum Card provides an array of valuable benefits, services, and amenities. Welcomed at millions of locations worldwide, from the corner cafe to a luxury hotel, you can use the Card for all your business needs. Use this resource to take full advantage of your new Card, beginning with the key benefits: Concierge Services 2 Airport Club Access 3 Priority Pass TM 4 Membership Rewards First Program 5 Fine Hotels & Resorts 6

Key Benefits

Concierge Services Our Concierge consultants are standing by 24 hours a day to offer you the ultimate in personalized assistance. They cater to your needs, on your schedule, wherever you are. From theater tickets or restaurant reservations to driving directions or event information, they make virtually any request a superbly executed reality. Call on the Corporate Platinum Card Concierge from your office, your home, or anywhere in the world to prepare for a trip, satisfy a client request, or find a special gift for a loved one. There s no cost for this invaluable service, except for the purchases and/or shipping charges that you authorize. 1-800-345-2639 Toll-free within the U.S. 617-622-6756 Collect from abroad

Airport Lounge Benefits You can now enjoy complimentary access to hundreds of airport lounges worldwide. Whether you need a comfortable place to relax, a quiet place to work, or a room for a conference call, you can get more done with access to amenities such as high-speed internet access, fax machines, meeting rooms, and refreshments. Airport Club Access When you travel with American Airlines, Continental Airlines, or Delta Air Lines, you have complimentary access to over 125 airport lounges with the airline you re flying. To enter a club, simply present your Corporate Platinum Card, government-issued I.D., and airline ticket to the club agent. These privileges also extend to your spouse, your children under 21, and up to two adult companions traveling with you. Priority Pass TM When you travel with another airline, Priority Pass gives you complimentary access to over 600 additional airport lounges worldwide regardless of the airline or ticket class you re flying. Once enrolled, simply present your Priority Pass card, government-issued I.D., and same-day airline ticket to gain entry. Travel companions may enter for a fee, which is conveniently charged to your Corporate Platinum Card. For current lounge information, visit prioritypass.com.

Membership Rewards First Program You automatically receive complimentary enrollment in the Membership Rewards First program, an exclusive benefit of the Corporate Platinum Card. Now, every time you use an eligible, enrolled Corporate Platinum Card at millions of locations worldwide, you can earn points toward tempting travel, shopping, and entertainment rewards. You even have access to a private collection of luxury items and experiences from premium program partners. From luxurious resort vacations to advanced home entertainment equipment, unique jewelry, and gift cards from distinguished retailers, the Membership Rewards First program helps you enjoy the fruits of your labor even more simply for using your Corporate Platinum Card. membershiprewards.com 1-800-297-1300 Toll-free within the U.S.

Fine Hotels & Resorts Over 600 participating hotels and resorts worldwide will extend an exceptional welcome to you when you book your reservations through Platinum Travel Service. Upon arrival, you can receive the following premium benefits, subject to availability: An upgrade to a higher-category room at no additional cost. Daily continental breakfast for two in your room, the hotel restaurant, or even poolside. 4 p.m. late check-out: simply inform the front desk staff upon check-in that you would like to take advantage of this option. Special amenities: each hotel and resort will also greet you with its own bonus, from early check-in to a complimentary massage or meal for two. 1-800-297-2929 Toll-free within the U.S. 602-537-4000 Collect from abroad

Travel & Entertainment

Easing your way. With the Corporate Platinum Card, you can make every business trip more comfortable and productive. Travel & Entertainment You re flying to Tokyo for an important meeting. With a complimentary Business Class ticket from the International Airline Program 7, you bring your CFO to finish up the financial analysis on the flight and keep costs down.

Travel & Entertainment

International Airline Program Receive a companion ticket on one of 21 participating airlines when you purchase a qualifying, First- or Business-Class ticket through Platinum Travel Service. As a Corporate Platinum Card member, take advantage of this benefit as often as you like. Airline fuel surcharges and certain government imposed taxes and fees on international air transportation, as well as applicable companion ticketing fees, are the responsibility of the Card member. 1-800-297-2929 Toll-free within the U.S. 602-537-4000 Collect from abroad

Car Rental Privileges 8 from Avis, Hertz, and National Car Rental As a Corporate Platinum Card member, you receive complimentary memberships in premium car rental programs from Avis, Hertz, and National Car Rental. Simply enroll in any or all of these programs and you can be free to bypass lines and paperwork, go right to your waiting car, and enjoy special upgrades and savings. Online Enrollment corp.americanexpress.com/carrental Avis Preferred 9 Save up to 20% and get an upgrade when using code AWD# A756900 and Coupon UUCA047. Hertz #1 Club Gold 10 Get special rates and one car class upgrades on all rentals (subject to availability). National Car Rental Emerald Club 11 Choose any midsize or larger vehicle from the Emerald Club Aisle and pay the reserved mid-size rate.

Limousine Program 12 The Limousine Program offers Corporate Platinum Card members triple Membership Rewards First points on chauffeured transportation. You can enjoy comfortable transportation from either of our two program partners: Dav El Chauffeured Transportation Network Carey Worldwide Chauffeured Services 1-800-297-5466 Toll-free within the U.S.

Limousine Program 12 The Limousine Program offers Corporate Platinum Card members triple Membership Rewards First points on chauffeured transportation. You can enjoy comfortable transportation from either of our two program partners: Dav El Chauffeured Transportation Network Carey Worldwide Chauffeured Services 1-800-297-5466 Toll-free within the U.S.

Preferred Seating 13 Enjoy some of the best seats in the house at some of the most sought-after theatrical, music, and sporting events in the country often before they go on sale to the general public. By Invitation Only 14 Your Corporate Platinum Card membership gives you access to exciting, once-in-a-lifetime experiences. From sports and fashion to fine dining and the performing arts, these customized experiences are unavailable to the general public at any price.

Corporate Platinum Preview Your Corporate Platinum Card newsletter provides you with information, insights, offers, and practical advice to make your Card membership even more meaningful. Executive Travel Skyguide Your subscription to Executive Travel Skyguide offers an inside look into the best of travel, style, culture, and dining. Skyguide Online Complimentary access to eskyguide.com enables you to check flight schedules and download them to your mobile device.

24 / 7 Service

We work behind the scenes, so you can perform at your best. The benefits of Corporate Platinum Card membership support your every endeavor with maximum efficiency. Your team of dedicated service professionals is on call at all times to enhance your productivity and provide you with greater peace of mind. 24 / 7 Service You plan your trip to India down to the last detail. When you have a fender-bender outside Mumbai, it s good to know you can call the Premium Global Assist Hotline 15. They calmly help you find local assistance so you can relax and focus on the purpose of your trip.

24 / 7 Service

Platinum Dining Reservations 16 As a Corporate Platinum Card member, you can enjoy extraordinary experiences at more than 1,300 of the most acclaimed restaurants in the U.S. and abroad. Platinum Dining Reservations consultants can recommend restaurants and hold reservations for you. They also offer advice on house specialties, attire, ambiance, entertainment, and can provide you with directions. They can even make special arrangements like accommodating a group or making sure flowers are waiting at your table. 1-800-345-2639 Toll-free within the U.S. 617-622-6756 Collect from abroad

Roadside Assistance 17 Your Corporate Platinum Card membership continues to go the extra mile with complimentary emergency roadside assistance anywhere in the U.S. Just call us and help will be on the way. You re covered for up to four times per year, up to $50 per service call. 1-800-345-2639 Toll-free within the U.S. 715-343-7979 Collect from abroad

Premium Global Assist Hotline The Corporate Platinum Card can make you feel more secure when you re far away. Whenever you re more than 100 miles from home and you need access to medical, legal, financial, and other emergency assistance, you can get help 24/7. We can direct you to Englishspeaking medical and legal professionals worldwide, and even cover expenses related to medical or emergency evacuation, including an air ambulance. We can also help you with prescription replacements, emergency hotel check-ins and cash access, lost luggage and passports, and emergency Card replacement. 1-800-345-2639 Toll-free within the U.S. 715-343-7979 Collect from abroad

Insurance/Financial

Enjoy greater freedom and flexibility. Even when the unexpected happens, you can be better prepared as a Corporate Platinum Card member. Upon landing in Los Angeles, you discover that your baggage is ripped and so is your favorite shirt. Your Baggage Insurance Plan 18 makes it easy to replace them both. Insurance / Financial

Insurance / Financial

Business Travel Accident Insurance 19 Protect yourself and your family with door-to-door coverage for accidental death and dismemberment when you purchase a scheduled flight, cruise, train, or bus ticket with the Corporate Platinum Card. This benefit provides coverage for accidents and injuries up to $500,000 during business trips and up to $250,000 during personal trips. It also automatically covers spouses/domestic partners and dependent children traveling with you. 1-800-492-3932 Information 1-800-252-4670 Claims

Baggage Insurance Plan You receive coverage against lost, stolen, or damaged baggage when you purchase a scheduled flight, cruise, train, or bus ticket with your Corporate Platinum Card. Coverage is provided up to a combined maximum of $3,000 for carry-on and checked baggage, in excess of checked baggage coverage provided by the Common Carrier. Coverage limits vary by state. 1-800-645-9700 Toll-free within the U.S. 303-273-6498 Collect from abroad

Check Cashing Privileges 20 For your convenience, you can cash a personal check up to $10,000 every 7 days at participating American Express Travel Services locations in the U.S. or every 21 days overseas. Delinquency Fee Exemption Corporate Platinum Card members are exempt from standard 45-day delinquency fees. Identity Theft Assistance Representatives are on call 24 hours a day, 7 days a week, to determine if your identity has been stolen and help you navigate the recovery process and protect yourself in the future. 1-800-297-7672 Toll-free within the U.S. Emergency Card Replacement 21 Receive a new Card in as little as 24 hours if yours has been lost or stolen. 1-800-492-3932 Toll-free within the U.S.

Corporate Platinum Card Terms and Conditions 1 Manage Your Card Account: All Corporate Platinum Card accounts are eligible to enroll in Manage Your Card Account. Use of Pay by PC is subject to your company practices and policies. Pay by PC is available only for Corporate Platinum Card members whose monthly payments are paid directly by the corporation. For more information, contact your Program Administrator. Manage Your Card Account requires a browser that supports 128-bit encryption. 2 Concierge Services: There is typically no cost to you for most efforts Concierge consultants perform on your behalf, although you are responsible for any purchases and/or shipping charges you authorize. Fees may apply for meetings and event planning. 3 Airport Club Access: The Corporate Platinum Card member must be traveling. Name on ticket must match name on Corporate Platinum Card. The Corporate Platinum Card member must be 18 years of age to enter the Airport Club Lounge without a parent or guardian for American Airlines Admirals Club lounges. For Delta Air Lines Delta Sky Club lounges the member must be 18 where there is no self-service bar. The Corporate Platinum Card member must be 21 years of age to enter into all other Airport Club Lounges, Continental and Delta lounges where there is a self-service bar. Local age restrictions apply in non-u.s. locations. The Corporate Platinum Card member s spouse and children under the age of 21 or up to two companions may enter the club as complimentary guests. Code-share and affiliated lounge agreements may not apply. Employee travel-related benefit tickets are not eligible with American Airlines. The Corporate Platinum Card member must present his or her valid Card, government-issued I.D., and same day airline ticket to club agents. Complimentary access is specifically for the airport club that corresponds to the airline operating the flight (access pertains to the aircraft, not the flight number) except with respect to American Airlines marketed code share flights with an American Airlines flight number which are also eligible for complimentary access to the lounge. Meeting rooms may be reserved for a nominal fee. Card members must adhere to all house rules of participating clubs. For a list of participating airport club locations, call 1-800-492-3932. Partners and locations subject to change. 4 Priority Pass: Corporate Platinum Card members may access participating Priority Pass lounges worldwide on a complimentary basis, provided that they complete the Priority Pass application form. The Corporate Platinum Card member must present his or her Priority Pass card to gain access to participating lounges. Corporate Platinum Card member must be 21 years of age to enter into the airport club lounge without a parent or guardian. Members must adhere to all house rules of participating clubs. Amenities may vary among airport club locations. Conference rooms may be reserved for a nominal fee. For a list of participating airport club locations visit www.prioritypass.com. Partners and locations subject to change. Corporate Platinum Card members accompanying guests may access participating lounges for a $27 fee, which will automatically be charged to the Corporate Platinum Card.

5 Membership Rewards First Program: Enrollment required. Annual program fee to enroll a Corporate Card is $75. Some Corporate Cards are not eligible for enrollment. Participating Membership Rewards program partners, available rewards, and point levels are subject to change without notice. Eligibility is based upon company s participation in the Membership Rewards program. 6 FINE HOTELS & RESORTS: To receive FINE HOTELS & RESORTS program (FHR) amenities and rates, book FHR-negotiated rates and room categories through Corporate Platinum Travel Desk. Payment must be made with an American Express Card in the U.S. Corporate Platinum Card member s name. Room upgrade based on availability. Limit one amenity per room, per stay. Amenity restrictions vary by hotel, are subject to change, and cannot be redeemed for cash. Corporate Platinum members may book up to three (3) rooms inclusive of FHR rates and amenities and must accompany the party as a guest for which FHR reservations are made. In the event the Corporate Platinum member cancels the reservation(s), FHR rates and amenities will no longer apply to any remaining reservation(s). Back-to-back stays within a 24-hour period at a single FHR property are considered one stay. American Express Travel Related Services Company, Inc. acts solely as sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. We want you to be aware that certain suppliers pay us commissions and other incentives, and may also provide incentives to our travel counselors. CST#1022318-10, ML#1192, Washington UBI#600-469-694, TA#002 Registered Iowa Travel Agency, NV#2001-0126. 7 International Airline Program (IAP): Companion ticket requires purchase of qualifying, non-restricted First- or Business-Class ticket through American Express Travel Services with an American Express Card in the Corporate Platinum Card member s name on a participating airline. Participating airlines include : Aer Lingus, AeroMexico, Air France, Air New Zealand, Alitalia, Asiana Airlines, Austrian, Cathay Pacific, China Airlines, Delta Air Lines, Emirates, Etihad Airways, Japan Airlines, Jet Airways, LAN, Lufthansa, Mexicana, Scandinavian Airlines, South African Airways, Swiss International Air lines, Virgin Atlantic. Travel must originate in and return to a U.S. gateway (excluding Puerto Rico and overseas territories) or Canadian gateway. One-way travel permitted on some participating airlines where routing originates in U.S. Travel must be purchased by 12/31/10 and completed by 12/31/11. Available service class (First or Business) determined by participating airline. Seats are limited and may not be available on all flights. Card member and companion must travel on the same itinerary. Non-refundable $78 American Express service fee applies to purchase and all ticket changes/refunds with Corporate Platinum Card. Companion ticket subject to government taxes/fees from $50 to $400 roundtrip, including a September 11th Security fee of up to $10. Total charge for the companion ticket may also reflect airline imposed fuel surcharges of up to $400 roundtrip. Companion ticket must be returned/cancelled before full-fare ticket is refunded. Not combinable with any other promotion, discount, negotiated group, or corporate-contracted rate, and may not be available on participating airline s code-share partners, i.e. flights marketed by the ticketing airline but operated by its partner airline. Participating

airlines reserve right to modify fare rules/program participation prior to booking. Limit one companion ticket per Card member traveling. Tickets are not transferable or endorsable. 8 Car Rental Privileges: Benefits given to Corporate Platinum Card members are subject to each car rental company s terms and conditions, including age restrictions and require enrollment to receive benefits. Card members must be affiliated with the Corporate Platinum Card Program codes. Hertz #1 Club Gold is a registered trademark of Hertz System, Inc. Minimum rental age is 25 (exceptions apply). For Hertz #1 Club Gold, upgrades are subject to fleet availability at time of rental. Standard rental terms and conditions apply. Payment must be made using the Corporate Platinum Card from American Express. Card members are required to enroll in Hertz #1 Club Gold to become a member. National collects Frequent Flyer Tax Recoupment Surcharge to cover the federal tax on the cost of the miles awarded at the time of rental. Discount applies to base rate only. Taxes (including GST), other governmentally authorized or imposed surcharges, license recoupment/air tax recovery and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge, and optional items are extra. Renter must meet standard age, driver, and credit requirements. Advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. National s Emerald Club and its services require a signed Master Rental Agreement on file. 9 Avis Preferred: You must pay with your American Express Card to qualify for the savings and upgrade offer. Up to 20%off plus an upgrade. Valid for a one-time, one car group upgrade on an intermediate (group C) through a full-size two-door (group D) car. Maximum upgrade to premium (group G). The savings of up to 20%applies to an Avis leisure daily, weekly, weekend, or monthly rate on an intermediate (group C) through fullsize (group D) car and is applicable only to the time and mileage charges of the rental. Single Upgrade Coupon valid for a one-time, one car group upgrade on an intermediate (group C) through a full-size four-door (group E) car. Maximum upgrade to premium (group G). Offer valid on daily, weekend, weekly, and monthly rates only. The upgraded car is subject to vehicle availability at the time of rental, and may not be available on some rates at some times. Coupon valid at participating Avis locations in the contiguous U.S. Coupon must be surrendered at time of rental; one coupon per rental. A 24-hour advance reservation is required. May not be used in conjunction with any other coupon, promotion, or offer. For reservations made on Avis.com, upgrade will be applied at time of rental. Renter must meet Avis age, driver, and credit requirements. Minimum age may vary by location. An additional daily surcharge may apply for renters under 25 years old. Taxes, concession recovery fees, vehicle license recovery fee, customer facility charges ($10/contract in CA), and fuel charges are extra. Optional items such as LDW($29.99/day or less) fees and other surcharges may apply and are extra. Rental must begin by December 31, 2009.

10 Hertz #1 Club Gold: The Hertz upgrade is subject to availability and is valid on rentals of Compact through Full size cars. Card members are required to enroll in Hertz #1 Club Gold to become a member and receive upgrade. Minimum rental age is 25 (exceptions apply). Standard rental terms and conditions apply. Payment must be made using the Corporate Platinum Card from American Express. Hertz #1 Club Gold is a registered trademark of Hertz System, Inc. 11 National Car Rental Emerald Club: National collects Frequent Flyer Tax Recoupment Surcharge to cover the federal tax on the cost of the miles awarded at the time of rental. Discount applies to base rate only. Taxes (including GST), other governmentally authorized or imposed surcharges, license recoupment/air tax recovery and concession recoupment fees, airport, and airport facility fees, fuel, additional driver fee, one-way rental charge, and optional items are extra. Renter must meet standard age, driver, and credit requirements. Advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. National s Emerald Club and its services require a signed Master Rental Agreement on file. 12 Limousine Program: Valid on new bookings made through Corporate Platinum Travel Service by 12/31/10 for travel completed by 12/31/10. Valid only with standard, non-discounted rates. To be eligible to earn triple Membership Rewards points, you must be enrolled in the Membership Rewards First program at the time of purchase and you must charge the limousine service to an eligible, enrolled American Express Card in the Corporate Platinum Card member s name. Bonus points will be credited to your Membership Rewards First account 10-12 weeks after final payment has been made. Membership Rewards First program terms and conditions apply; visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276). Carey Bonus ID: 2918. Empire Bonus ID 2883. 13 Preferred Seating: Ticket orders may be subject to a service charge. Subject to availability as well as to prior group sales, subscriptions sales, and special ticket holds. Casting, dates, and prices subject to change. No refunds or exchanges. Ticket limits may apply. Some Gold Card Events may not be accessible to Card members with disabilities. 14 By Invitation Only: Transportation and accommodation costs are additional unless otherwise stated. The price indicated covers event costs only. All sales are final and non-refundable and resale is prohibited. Payment must be made using a Corporate Platinum Card from American Express. Details and prices are subject to change. Packages are available on a first-come first-served basis. Availability is limited. 15 Premium Global Assist Hotline: Premium Global Assist must arrange all medical and visitor transportation. As Premium Global Assist is an assistance service, we cannot reimburse you for expenses you incur on your own. Please refer to the Premium Global Assist Summary of Coverage for additional details and restrictions.

16 Platinum Dining Reservations: All cancellations must be made by calling Platinum Dining at least 24 hours in advance of the reservations. Otherwise, a $15-per-person cancellation fee ($60 minimum, $120 maximum) will apply. Reservations are provided on a first-come, first-served basis, so please call early. 17 Roadside Assistance: Services are provided as an emergency and not a general maintenance type service. Coverage will be provided only for private passenger vehicles and trucks with a towing capacity of 2 tons. Towing to the nearest authorized facility, or, upon the Card member s request, to another location at a maximum towing distance of 10 miles with a maximum of $50 coverage. Fuel provided in emergency situations will be charged to the Card member's Card Account. Limit of four services per year. Emergency situations do not include: All parts, labor, and supplies provided while at a repair facility; towing to another location unless the initial service station is closed; service for unlicensed vehicles, taxicabs, tractors, boats, illegally parked or impounded vehicles, or any vehicle in tow; rental or towing equipment; towing at the direction of a law enforcement officer relating to traffic obstruction, abandonment, illegal parking, or other violations of law, or towing by other than a licensed service station or garage; repeated service calls for a vehicle in need of routine maintenance or repair; shoveling snow from around a vehicle; vehicle storage or impoundment charges. Only one disablement for the same cause during any seven-day period will be allowed. Service is provided in the 48 contiguous United States and Canada. 18 Baggage Insurance Plan: Benefit limits for checked and carry-on baggage are a combined maximum up to $3,000 for carryon and checked baggage. The maximum benefit for checked baggage per Covered Person per Covered Trip is $2,000, in excess of checked baggage coverage provided by Common Carriers. For New York residents only: We will pay a benefit for the replacement cost of carryon baggage up to a maximum of $2,000 for each Covered Person per Covered Trip. There is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. American Express Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0400 or Policy BIP-IND and is subject to change with notice. This document does not supplement or replace the Policy. 19 Business Travel Accident Insurance: Underwritten by Federal Insurance Company (a member of the Chubb Group of Insurance Companies), 15 Mountain View Road, Warren, NJ 07059, and subject to the terms, conditions, and exclusions of Policy 6477-82-04. 20 Check Cashing Privileges: The check cashing limit is $10,000 every 7 days domestic or 21 days internationally. The $10,000 limit is a combined total of Check Cashing and Express Cash access. Not all services are available at all locations. Subject to local laws and cash availability. 21 Emergency Card Replacement: Not all services available at all locations and all are subject to local laws and cash availability.