OPEN From American Express(SM) Expands Unique Savings Program for Small Businesses

- Courtyard by Marriott(R), FedEx Kinko's Office and Print Centers, Hyatt

Hotels & Resorts(R) and Ruby Tuesday Among New OPEN Savings(SM) Partners to

Offer Automatic Savings -



- Over $75 Million in Actual Savings Already Delivered to Small Business

Customers -



Nov 10, 2005, 00:00 ET from American Express

    NEW YORK, Nov. 10 /PRNewswire/ -- OPEN from American Express(SM) today
 announced it has launched several new partners in the OPEN Savings(SM)
 program(1), providing exclusive savings in the U.S. just by using the American
 Express(R) Business Card. Courtyard by Marriott(R)2, FedEx Kinko's Office and
 Print Centers(3), Fairfield Inn by Marriott(R), Hyatt Hotels & Resorts(R)(4),
 Ruby Tuesday Restaurants(5), SpringHill Suites by Marriott(R) and Wingate
 Inn(R)(6) hotels join existing industry leading partners, including FedEx,
 Hertz and AT&T in this unique program.
     Unlike most small business credit card savings programs, OPEN Savings
 eliminates the need for offer codes, coupons or program enrollment and
 provides automatic savings to business owners from well-known brands. In
 addition, the savings are combinable with other marketplace offers or volume
 discount pricing that an individual business may already receive from program
 partners.
     In just eighteen months, OPEN Savings has delivered more than $75 million
 in savings to American Express Business Cardmembers.
     "For small businesses pressed for time and weary of short-term offers that
 require coupons or offer codes, OPEN Savings delivers simple, automatic and
 combinable discounts just by using the Card," said Ed Vittoria, vice
 president, OPEN from American Express.  "OPEN is proud to extend our breadth
 of OPEN Savings partners and deliver millions of dollars of savings to our
 small business Cardmembers every month."
 
     OPEN Savings Partners
     OPEN Savings is a benefit embedded within all American Express Business
 Cards. To earn the savings, American Express Business Cardmembers must simply
 use their credit or charge card for purchases with any OPEN Savings partner.
 The savings will automatically appear on the Cardmember's monthly statement
 and can be tracked at www.opensavings.com.
 
     Partners and discounts include:
     * Administaff: 25% off enrollment fee for HR Services
     * AT&T: 5% off local & long distance services
     * Business Filings: 20% off incorporation and registered agent services
     * Ceridian: 20% off payroll preparation
     * Constant Contact: 15% off e-mail marketing
     * Courtyard by Marriott: 5% off hotel charges (new)
     * ExpensAble: 25% off expense reporting software
     * 1-800-FLOWERS.COM(R): 5% off gifts
     * Fairfield Inn by Marriott: 5% off hotel charges (new)
     * FedEx: 5% off Express and Ground shipping
     * FedEx Kinko's: 5% off business services (new)
     * Hertz: 5% off car rentals
     * Hyatt Hotels & Resorts: 3% off hotel charges (new)
     * Logoworks: 15% off logo and graphic design
     * Ruby Tuesday: 5% off dining (new)
     * SpringHill Suites by Marriott: 5% off hotel charges (new)
     * Wingate Inn: 5% off hotel charges (new)
     * UnitedHealth Allies: 40% off health discount program fees
 
     The savings appear as credits on monthly statements or can be tracked
 online at www.opensavings.com. OPEN Savings discounts are calculated on the
 full transaction amount, including any taxes and surcharges. Terms and
 conditions apply.
 
     About OPEN from American Express
     OPEN is the American Express team dedicated exclusively to the success of
 small business owners and their companies.  The OPEN Team supports business
 owners with unparalleled service. With tailored products and services, the
 team delivers purchasing power, flexibility, control and rewards to help
 customers run their business. Customers can leverage an enhanced set of
 products, tools, services and savings, including charge and credit cards,
 convenient access to working capital, robust online account management
 capabilities and savings on business services from an expanded lineup of
 partners. To obtain more information about OPEN(SM), visit www.OPEN.com, or
 call 1-800-NOW-OPEN to apply for a card or loan.  Terms and conditions apply.
 
     American Express Company (www.americanexpress.com) is a diversified
 worldwide travel, financial and network services company founded in 1850. It
 is a world leader in charge and credit cards, Travelers Cheques, travel,
 business services and international banking.
 
      1. OPEN Savings(SM): Payment must be made with an American Express(R)
         Business Card. Savings will be credited to your American Express
         Business Card billing statement. All savings referenced are in
         addition to any offers made by participating companies. Participation
         and offers are subject to change without notice. Terms and conditions
         apply. For more information and the full OPEN Savings partner terms
         and conditions, please visit opensavings.com.
 
     2.  Courtyard by Marriott(R), Fairfield Inn by Marriott(R) and SpringHill
         Suites by Marriott(R): Valid at over 950 participating locations
         within the U.S.  For a complete list, visit marriott.com/opensavings.
         Savings do not apply to charges relating to third party sales
         transactions (such as pre-paid travel agent, wholesaler, online travel
         service or similar transactions) not paid directly at, or through, the
         hotel. The maximum annual savings available is $1,500 per Account.
 
     3.  FedEx Kinko's Office and Print Centers: Valid at all channels through
         which FedEx Kinko's accepts the Business Card in the U.S., except
         www.officeproducts.fedexkinkos.com. Payment must be made with Business
         Card at time of purchase. Maximum annual discount is $1000 per
         Account.
 
     4.  Hyatt Hotels & Resorts(R): Valid at all locations within the U.S. and
         Puerto Rico. Savings do not apply to charges relating to third party
         sales transactions (such as pre-paid travel agent, wholesaler, online
         travel service, Internet access or similar transactions) not paid
         directly at, or through, the hotel.
 
     5.  Ruby Tuesday(R): Valid only at U.S. domestic locations, excluding
         Hawaii.
 
     6.  Wingate Inn(R): Valid at all locations within the U.S.  Savings do not
         apply to charges relating to third party sales transactions (such as
         pre-paid travel agent, wholesaler, online travel service or similar
         transactions) not paid directly at, or through, the hotel.
 
 

SOURCE American Express
    NEW YORK, Nov. 10 /PRNewswire/ -- OPEN from American Express(SM) today
 announced it has launched several new partners in the OPEN Savings(SM)
 program(1), providing exclusive savings in the U.S. just by using the American
 Express(R) Business Card. Courtyard by Marriott(R)2, FedEx Kinko's Office and
 Print Centers(3), Fairfield Inn by Marriott(R), Hyatt Hotels & Resorts(R)(4),
 Ruby Tuesday Restaurants(5), SpringHill Suites by Marriott(R) and Wingate
 Inn(R)(6) hotels join existing industry leading partners, including FedEx,
 Hertz and AT&T in this unique program.
     Unlike most small business credit card savings programs, OPEN Savings
 eliminates the need for offer codes, coupons or program enrollment and
 provides automatic savings to business owners from well-known brands. In
 addition, the savings are combinable with other marketplace offers or volume
 discount pricing that an individual business may already receive from program
 partners.
     In just eighteen months, OPEN Savings has delivered more than $75 million
 in savings to American Express Business Cardmembers.
     "For small businesses pressed for time and weary of short-term offers that
 require coupons or offer codes, OPEN Savings delivers simple, automatic and
 combinable discounts just by using the Card," said Ed Vittoria, vice
 president, OPEN from American Express.  "OPEN is proud to extend our breadth
 of OPEN Savings partners and deliver millions of dollars of savings to our
 small business Cardmembers every month."
 
     OPEN Savings Partners
     OPEN Savings is a benefit embedded within all American Express Business
 Cards. To earn the savings, American Express Business Cardmembers must simply
 use their credit or charge card for purchases with any OPEN Savings partner.
 The savings will automatically appear on the Cardmember's monthly statement
 and can be tracked at www.opensavings.com.
 
     Partners and discounts include:
     * Administaff: 25% off enrollment fee for HR Services
     * AT&T: 5% off local & long distance services
     * Business Filings: 20% off incorporation and registered agent services
     * Ceridian: 20% off payroll preparation
     * Constant Contact: 15% off e-mail marketing
     * Courtyard by Marriott: 5% off hotel charges (new)
     * ExpensAble: 25% off expense reporting software
     * 1-800-FLOWERS.COM(R): 5% off gifts
     * Fairfield Inn by Marriott: 5% off hotel charges (new)
     * FedEx: 5% off Express and Ground shipping
     * FedEx Kinko's: 5% off business services (new)
     * Hertz: 5% off car rentals
     * Hyatt Hotels & Resorts: 3% off hotel charges (new)
     * Logoworks: 15% off logo and graphic design
     * Ruby Tuesday: 5% off dining (new)
     * SpringHill Suites by Marriott: 5% off hotel charges (new)
     * Wingate Inn: 5% off hotel charges (new)
     * UnitedHealth Allies: 40% off health discount program fees
 
     The savings appear as credits on monthly statements or can be tracked
 online at www.opensavings.com. OPEN Savings discounts are calculated on the
 full transaction amount, including any taxes and surcharges. Terms and
 conditions apply.
 
     About OPEN from American Express
     OPEN is the American Express team dedicated exclusively to the success of
 small business owners and their companies.  The OPEN Team supports business
 owners with unparalleled service. With tailored products and services, the
 team delivers purchasing power, flexibility, control and rewards to help
 customers run their business. Customers can leverage an enhanced set of
 products, tools, services and savings, including charge and credit cards,
 convenient access to working capital, robust online account management
 capabilities and savings on business services from an expanded lineup of
 partners. To obtain more information about OPEN(SM), visit www.OPEN.com, or
 call 1-800-NOW-OPEN to apply for a card or loan.  Terms and conditions apply.
 
     American Express Company (www.americanexpress.com) is a diversified
 worldwide travel, financial and network services company founded in 1850. It
 is a world leader in charge and credit cards, Travelers Cheques, travel,
 business services and international banking.
 
      1. OPEN Savings(SM): Payment must be made with an American Express(R)
         Business Card. Savings will be credited to your American Express
         Business Card billing statement. All savings referenced are in
         addition to any offers made by participating companies. Participation
         and offers are subject to change without notice. Terms and conditions
         apply. For more information and the full OPEN Savings partner terms
         and conditions, please visit opensavings.com.
 
     2.  Courtyard by Marriott(R), Fairfield Inn by Marriott(R) and SpringHill
         Suites by Marriott(R): Valid at over 950 participating locations
         within the U.S.  For a complete list, visit marriott.com/opensavings.
         Savings do not apply to charges relating to third party sales
         transactions (such as pre-paid travel agent, wholesaler, online travel
         service or similar transactions) not paid directly at, or through, the
         hotel. The maximum annual savings available is $1,500 per Account.
 
     3.  FedEx Kinko's Office and Print Centers: Valid at all channels through
         which FedEx Kinko's accepts the Business Card in the U.S., except
         www.officeproducts.fedexkinkos.com. Payment must be made with Business
         Card at time of purchase. Maximum annual discount is $1000 per
         Account.
 
     4.  Hyatt Hotels & Resorts(R): Valid at all locations within the U.S. and
         Puerto Rico. Savings do not apply to charges relating to third party
         sales transactions (such as pre-paid travel agent, wholesaler, online
         travel service, Internet access or similar transactions) not paid
         directly at, or through, the hotel.
 
     5.  Ruby Tuesday(R): Valid only at U.S. domestic locations, excluding
         Hawaii.
 
     6.  Wingate Inn(R): Valid at all locations within the U.S.  Savings do not
         apply to charges relating to third party sales transactions (such as
         pre-paid travel agent, wholesaler, online travel service or similar
         transactions) not paid directly at, or through, the hotel.
 
 SOURCE  American Express