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American Express @ Work® Access Key - Overview and Instructions

Understanding the benefits of access key functionality

The American Express @ Work Access Key functionality allows employees

to apply for Corporate Cards online while enabling the Program

Administrator to maintain control of the process.

– When Cardmembers apply online, it eliminates 1)Program Administrator keying of

applications, 2)Illegible handwriting and 3) Missed fields that can delay the application

submission.

– Program Administrators can electronically send the employee an application, review

completed applications and electronically approve them for submission with a few clicks of a

mouse. Program Administrators may also set up approval routing to electronically notify other

managers for approval authority when a new application is submitted by an employee.

– Cardmembers with an email address receiving system updates on the progress of their

application, eliminating the need to call the Program Administrator for updates.

– This document is an overview of the Access Key process – how to set up, share with

employees to submit a Card application and set up an electronic approval process for quick

Card application submissions.

The Access Key can help save time and provide greater efficiency. As a

program administrator, Access Key is one way to help you achieve greater

business success.

Traditional paper application process

Processing paper Card applications tends to be manual and labor-intensive.

Employee receives or

has to track down copy

of a Card application

Employee may fill

application out by hand

instead of typing it

before printing

Employee is

responsible for getting

Mgr approval

American Express

rekeys the faxed

application for

processing

Program Administrator

(PA) faxes the

application to American

Express for processing

Employee faxes

approved application to

PA

PA manually matches

Employee to a Basic

Control Account (BCA)

and inputs BCA on

application

If Approved

Employee notified by mail within 7-

10 days of decline. Hold up of

application may be due to

incorrect/incomplete information

If Declined

American Express processes the

application within 3 days, Card

received in 7-10 days

Common inefficiencies in traditional paper application process

Applications are not associated to a Basic Control Account

Incorrect and/or missing information

Applicant has to track down approver to get signature

No validation of manager approval

Illegibility of applications

Multiple calls to PAs to check application status

Online application processing – two options

Employee initiated “Apply for Card” - The program

administrator has employees complete Card applications

online using the Access Key that was created. They may

be routed to management and the PA for approval and

submission to American Express.

NOTE: If the employee submits an application using the

Access Key functionality, this is considered a “signed”

application and a full credit inquiry is performed.

PA initiated “Apply for Card” - The PA may complete

and submit Card applications online on behalf of

employees.

NOTE: If a PA submits an application on behalf of an

employee, only limited information would be obtained

about the employee’s credit history. As a result,

employees who would otherwise be identified by us as

having a poor credit history would be eligible for Flexible

Spending features. This may lead to higher

delinquencies within your Company’s Corporate Card

Program.

Access key application process The online process simplifies the application submission and approval process with American Express @

Work.

Employee completes their

own application online using

Access Key

PA approves and sends

electronic application to

American Express

Approving Manager sends e-

mail notifying PA of

employee-submitted Card

application (if applicable)

If Approved If Declined

Employee notified by mail within

7-10 days of decline.

American Express processes the

application within 3 days; Card

received in 7-10 days

Log in to American Express @ Work ®

Access http://atwork.americanexpress.com

Enter your ID and password and click GO

Create Access Key – Step 1 of 4

8

• From the Card Accounts section, select the Process Applications link .

• To the right, Click on Create & Manage Access Key link.

Create an Access Key – step 2 of 4

9

•Enter a Basic Control Account Number.

•Select Next.

• Select a nickname* for your Access Key.

• Select the number of applications for

which the Access Key will be valid (10,000

maximum)

• Select a start and end date or leave the

default expiration period of two years.

• Click the Create button.

Note: This is optional. The “nickname” assists a PA with multiple access

keys & control accounts to quickly find an access key to process

applications.

Create an Access Key – step 3 of 4

10

• Write down the new Access Key.

• Verify all information is correct.

• Select Rush Card if applicable.

• Optional: Select Activate Approval

Routing.

9999

xxx999

Create Access Key –step 4 of 4

11

• Verify your (PA) e-mail address is correct.

• Enter either the Approvers information or

leave blank for the Applicant to fill out.

• Choose the appropriate Approval Routing

Option (optional).

• Click Update.

Congratulations, you have successfully updated

an Access Key!

9999

3999-999999-9999 Rexport Inc.

xxx999

Approval routing choices

12

Approval routing is an OPTIONAL choice available when you set up an access key. If others should be

notified by e-mail regarding an application submitted for processing (or a PA would like e-mail

notification) – select from one of four approval routing options.

Recommended

Approval routing – how to select

13

In the final step to create an Access

Key, a program administrator can elect

to initiate approval routing (e-mail

notification) by clicking on one of the

options.

Complete the Approval Routing

recipient information in the fields

provided.

Access key reporting – step 1 of 2

14

You can view your Access Keys online

1. Log in to American Express @ Work® and enter the User ID & Password

2. Select the Process Applications link from the Card Accounts section.

3. Click on the Create & Manage Access Keys link to the right.

4. From the Access Key Maintenance page, click the Report of Access Key link.

Access key reporting – step 2 of 2

15

In this example, the PA has one (1) active Access key.

This page will allow you to verify Access Key information associated with a BCA.

If you need to an Access Key to expire, select the one you would like to expire, then click Expire Selected.

If you would like to make changes to an Access Key, click on the Basic Control Account Number. This will take you to the Access Key Maintenance page.

3999-9999-99999

Access key maintenance

16

A PA has the ability to modify an Access

Key at anytime by using the Maintenance

feature within @ Work.

This feature allows the PA to:

• Expire an Access Key

• Change the nickname for the Access Key

• Change the number of Applications that

can be submitted under that Access Key,

• Extend the End Date (an Access Key is

only valid for two years)

• Add or remove the Rush Delivery option

• Modify the Approval Routing process.

Note: Once an Access Key has expired, it cannot be reactivated.

3999=9999=99999 Rexport Inc.

Access key e-mail template

When the new Access Key is created, it needs to be communicated to the employee to complete and submit the application.

This e-mail template is an example of a communication that a PA may use to send the appropriate Access Key and application URL to their employee, and is available in the @ Work Resources and Help section.

Applicant experience – step 1 of 3

The Applicant has now received their Access Key and is ready to apply!

1.Instruct your employees to log into:

www.americanexpress.com/applyforcard

2.Enter the Access Key code

3.Click Next.

Applicant experience – step 2 of 3

1.Complete all Required Fields

2.Click NEXT

Note: If the applicant’s email

address is entered, the applicant will

be notified of the status of the

application throughout the process

via e-mail.

Applicant experience – step 3 of 3

1. Make Corrections (if needed)

2. Click Submit for processing

3. A Confirmation page will display after

submission.

Note: Once the application has been

submitted it is routed directly to the Program

Administrator’s @ Work Profile.

Review Card applications – step 1 of 4

Once the employee submits their application, the PA can review it by logging in to

American Express @ Work.

1. Log in to @ Work

2. From the Notifications

box on the Home page,

click on the numeric link

for applications that

require your

submission/approval.

Review Card applications – step 2 of 4

The example below is for a PA that had one (1) application pending review in the Notifications

box. Select the application by clicking on the Tracking Number hyperlink.

Review Card applications – step 3 of 4

To review the application and

make the appropriate

modifications, the PA must

select the Click here to

Approve or Reject this

Application link.

Review Card applications – step 4 of 4

Review and make appropriate

modifications, then click Submit

or

Select a Decline Reason and click

Decline.

Decline Reasons:

Ensure the application is correct.

When Agree is selected, this is acceptance of

the terms and conditions set forth in the

American Express Agreement .

The confirmation page will display and provide

the new account number for immediate use by

clicking on the “Get Account Now” button.

Note: The account number is valid for immediate

charging, phone orders, mail orders, and online orders

only.

When Disagree is selected, it is a refusal to sign the agreement between American Express & the client. The application cannot be submitted.

Review Purchasing Card applications

By attending, viewing and/or reading this American Express Travel Related Services Company, Inc. (“American Express”) document, <%Client_

Name%> (“Company”) acknowledges and agrees to comply with the following confidentiality obligations (“Obligations”):

Company agrees to treat as confidential all information about American Express obtained by Company in connection with this proposal, related

presentations and discussions (“Confidential Information”). Confidential Information does not include information that: (i) becomes publicly available

without Company’s fault or; (ii) Company rightfully receives from a third party, without restriction, or (iii) information that is independently developed by

Company, without reference to or use of the Confidential Information.

Without first obtaining written consent of American Express, Company will not disclose the Confidential Information to any third party, except that

Company may only disclose Confidential Information to those of its employees and agents that require such material to evaluate this proposal and the

potential business relationship, and for no other purpose. Notwithstanding the foregoing, Company may disclose Confidential Information to the extent

that such disclosure is required by an order of a court or by any law or regulation; provided, however, that, where legally possible, Company will give

prompt written notice of any such requirement to American Express. Company will cooperate with American Express, at American Express’ expense,

with any reasonable efforts of Amex to avoid or minimize such disclosure

In the event of a breach or threatened breach of the Obligations by Company, Company will promptly give notice thereof to Amex and will take

reasonable steps to enforce the Obligations, and American Express reserves all of its rights and remedies at law and equity in connection with such

breach. Company will indemnify American Express for all loss or damage to American Express caused by Company’s breach of these Obligations.

No representation or warranty, express or implied, is made as to the accuracy or completeness of any information that is provided in this proposal.

These Obligations will survive any expiration of this proposal.

At any time and upon American Express’ request, Company agrees either to return or destroy the originals (and all copies) of such information,

documents and/or materials which are in its possession or under its control. Unless extended upon mutual agreement between American Express and

Company, the terms of this proposal will remain effective for a period of 90 days from the date of submission. This proposal is not a contract, nor does

it imply a legally binding relationship between American Express and Company. All terms contained in this proposal, including, but not limited to, any

financial and operational terms, are subject to final review and negotiation.

As part of this Proposal, American Express has attached its standard Master Commercial Account Agreement. If and when American Express is

awarded the business, American Express would seek to have the applicable program and product terms & conditions contained therein govern the

relationship between the parties.

Global Corporate Payments

26

External Use Only – Delete this slide if internal only