THE PLUM CARD* from American Express OPEN JEFFREY E EPSTEIN ZORRO DEVELOPMENT CO 9 E 71ST ST NEW YORK NY 10021-4102 aay rr ne com 0629408614554054 OO HE = _ CU EY aT 0000054 0000054 (0930861003) 10/03/14 0406P6D0000102000 NEW ACCOUNT 1 WL NE e m fa 3 AMERICAN EXPRESS BUSINESS The Plum Card* from American Express OPEN. The Plum Card* Basics What's Inside Your Welcome Package: There are multiple ways you can take advantage of payrnent flexibility each month. Utilize our checkkst Check out the Plurn Card Tip Sheet to see how to make the mostof 15% Early Pay Discount! your Card. Get a 1.5% discount on the portion of your balance that you pay within 10 days of your statement closing date Learn more about your Card benefits as long 25 you pay at least your Minimum Payment Due Use the Plum Card Benefit Guide to see some of the key ways the Plum Card can work for your business. Extra Days to Pay? You can take up to 60 days from your staternent closing date to pay in full without interest. Pay your minimum balance by the Payment Due Date totake advantage Don't miss your first 1.5% Early Pay Discount Enroll your Plurn Card today at open.com/getstarted to set up mobile or e-mail alerts for the 1.5% Early Pay Discount due date, and more OPEN) EFTA00292266

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Terms and Conditions 1 - Early Pay Discount: Get a 1.5% discount on the portion of your eligible purchase balance that you pay within 10 days of your statement closing date as long as you pay at least your Minimum Payment Due. The discount will appear as a credit on the following billing staternent Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards. or purchases of other cash equivalents. Additional terms and restrictions apply, see open.com/plum for details. 2- Extra Days to Pay: If you pay al least 10% of the balance from new activity on your billing statement plus the entire arnount of any previously deferred payment by the Payment Due Date on that statement you may Defer Payment of the remainder of that balance until the closing date of your next billing cycle with no interest. Complete terms and details at open.com/plum, open americanexpress,com angzees EFTA00292267

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wren nN THE PLUM CARD* from American Express OPEN Tn 0406P6D0000202000 NEW ACCOUNT 1 AMERICAN EXPRESS BUSINESS Please be prepared to provide the Card Member's Social Security number and date of birth when you activate the Card. Welcome to Plum Card Membership The Plum Card has two unique payment options each month. You can have both the 1.5% Early Pay Discount and up to 60 days to pay without interest in the same billing cycle. So take advantage and pay your bill the way that works for your business 15% Early Pay Discount? Get 2 15% discount on the portion of your balance thal you pay within 10 days of your statement closing date as long as you pay at least your Minimum Payment Due Extra Days to Pay? You can take up lo 60 days from your staternent closing date to pay in full without interest. Pay your minimum balance by the Payment Due Date to take advar lage Save on business purchases with the OPEN Savings benefit? The OPEN Savings* benefit ts a built-in feature of your Plum Card® frorn American Express OPEN, !t automatically boosis your savings by giving you up to a 10% disc credited to your statement when you use your Card for eligible purchases with OPEN Savings partners. Benefit limits, exclusions and other restrictions apply Learn more and see a list of participating OPEN Savings partners al opensavings.com EFTA00292268

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Terms and Conditions 1- Early Pay Discount; Get a 1 5% discount on the portion of your eligible purchase balance that you pay within 10 days of your statement c losing date as long as you pay al leas! your Minimum Payment Oue The discount will appear as a credil on the following billing statement Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest harges, cash advances, purchases of travelers checks. purchases or reloading of prepaid cards, or purchases of other cash equivalents, Additional terms and restrictions apply, see open.com/plum for details 2 - Extra Days to Pay: If you pay at least 10% of the balance from new activity on your billing stalement plus the entire arnount of any previously deferred payment by th yinent Due Date on that statement, you may Defer Payment of the remainder of that balance until the closing date of your next billing cycle with no interest. Complete terms and details at open.com/plum 3 - OPEN Savings” Benefit: The OPEN Savings benefit is built in to Business Cards from American Express OPEN and provides either up toa 10% discount oF up to 4 additional Membership Rewards* points for each eligible dollar spent at OPEN Savings merchants To take advantage of this benefit, payment must be made with a Business Card from American Express OPEN at the time of purchase. All Cards under a Particular Card Accoun| (including the Basic Card as well as any Additional or Employee Cards) are combined for the purposes of calculating OPEN Savings benefits. All OPEN Savings benefits are credited to the Basic Card Member or ty. Please allow up to 12 weeks for your benefit to appear on your monthly staternent. if your Card Account is not eligible to receive Membership Rewards points or is not enrolled in the Membership Rewards Program, you will receive the OPEN Savings benefit as a discount that will be provided as a statement credit to that Card Account. If your Card Account 1s enrolied in the Membership Rewards program you have the option of receiving your OPEN Savings benefit elther as a discount or as additional Membership Rewards points. The relative value of the benefit options will differ depending on how you use your Membership Rewards Points. The redemption value of additional points that you receive under the Membership Rewards Points Benefit may be less than the dollar value of staternent credits that you receive under the Discount Benelit. You can change your OPEN Savings benefit selection a maximum of once Per calendar month, Changes normally take effect within 72 hours from the,time you submit a change to your benefit selection. Purchases that are eligible for the OPEN Savings benefit that are returned or credited from an OPEN Savings merchant will result in a reversal of your statement credit or removal of Membership Rewards points depending on your benefit election at the time of the return or credit. The benefit may not be available at all OPEN Savings partner locations. For a full list of individual OPEN Savings merchants and benefit descriptions Please visit opensavings.com The OPEN Savings benefit (including merchant participation and Offers) is subject to change at any time without notice. Membership Rewards program terms and conditions apply. OPEN Savings offers may be subject to exclusions, benefit limits and other restrictions or limitations. For full terms and conditions including specific paragraphs on the Benefit Selection and How Returns Work, go to opensavings.com EFTA00292269

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> THE PLUM CARD* from American Express OPEN 0629408603954042 WY UN UU00 TOE A 0406P6D0000202000 NEW ACCOUNT 1 DN Late. LO Sy eT AS Ht OGD een AMERICAN EXPRESS BUSINESS 5 ARAAARA ARID | ERTTSD activate the Card. Welcome to Plum Card Membership The Plurn Card has two unique payment options each month. You can have both the 1 5% Early Pay Discount and up to 60 days to pay without interest in the same billing cycie. So take advantage and pay your bill the way that works for your business 15% Early Pay Discount! Get a 1.5% discount on the portion of your balance that you pay within 10 days of your Statement closing date as long as you pay at least your Minimum Payment Due Extra Days to Pay? You can take up to 60 days from your staternent closing date to pay in full without nierest. Pay your minimum balance by the Payment Due Date to take advantage Save on business purchases with the OPEN Savings benefit? The OPEN Savings* benefit is a buill-in feature of your Plum Card* from American Express OPEN. (tautomatically boosts your savings by giving you up to a 10% discount baal credited to your statement when you use your Card for eligible purchases with OPEN Savings partners. Benefit limits, exclusions and other restrictions apply. Learn more and e See a list of participating OPEN Savings partners at opensavings.com EFTA00292270

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Terms and Conditions 1 - Early Pay Discount: Get a 15% discount on the portion of your eligible purchase balance that you pay within 10 days of your statement closing dale as long as you pay at least your Minimum Payment Due. The discount will appear as a credit on the following billing statement. El gible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terrns and restrictions apply. see open.com/plum for details. 2 - Extra Days to Pay: If you pay al least 10% of the balance from new activity on your billing statement plus the entire amount of any previously deferred payment by the Payment Due Date on that statement, you may Defer Payment of the remainder of that balance until the closing dale of your next billing cycle with no interest. Cornplete terms and details at open.com/plum 3- OPEN Savings” Benefit: The OPEN Savings benefit is built in to Business Cards from American Express OPEN and provides either up toa 10% discount or up to 4 additional Membership Rewards” points for each eligible dollar spent al OPEN Savings merchants. To take advantage of this benefil. payment must be made with a Business Card from American Express OPEN at the time of purchase. All Cards under a particular Card Account (including the Basic Card as well as any Additional or Employee Cards) are combined for lhe purposes of calculating OPEN Savings benefits. All OPEN Savings benefits are credited to the Basic Card Member only. Please allow up to 12 weeks for your benefit to appear on your monthly statement. If your Card Account Is not eligible to receive Membership Rewards points or is not enrolled in the Membership Rewards program, you will receive the OPEN Sayings benefil as a discount that will be provided as a staternent credit to that Card Account. If your Card Account is enrolled in the Mernbership Rewards program you have the option of receiving your OPEN Savings benefit either as a discount or as additional Membership Rewards points, The relative value of the benefit vptictrs will differ depending on how you use your Membership Rewards points. The redemption value of additional points that you receive under the Membership Rewards Points Benefit may be less than the dollar value Of staternent credits that you receive uncer the Discount Benetit, You can change your OPEN Savings benefit selection a maximum of once per calendar month. Changes normally take effect within 72 hours from the time you submit a change to your benefit selection. Purchases that are eligible for the OPEN Savings benefit that are returned or credited from an OPEN Savings merchant will result in a reversal of your statement credit or removal of Membership Rewards points depending on your benefit election at the time of the return or credit. The benefit may not be available al all OPEN Savings partner locations. For a full list of individual OPEN Savings merchants and benefit descriptions. please visit opensavings.com The OPEN Savings benefit (including merchant participation and offers) is subject to change at any time without notice. Membership Rewards program terms and conditions apply. OPEN Savings offers may be subject to exclusions, benefit limits and other restrictions or limitations. For full terrns and conditions including specific paragraphs on the Benefit Selection and How Returns Work, go to opensavings.com. EFTA00292271

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wired Ane} > THE PLUM CARD* from American Express OPEN 0629408603054033 QAO UDMA TA AT a 0000033 0000033 (0930861011) 10/03/14 0406P6D0000202000 NEW Acc X26 UAU AAG) AMERICAN EXPRESS USINESS f {ter VOU Hel Please be prepared to provide the Card Member's Social Security number and date of birth when you activate the Card. Welcome to Plum Card Membership The Plum Card has two unique payrnent options each month, You can have both the 1.5% Early Pay Discount and up to 60 days te pay without interest in the same billing cycle. So take advantage and pay your bill the way that works for your business 15% Early Pay Discount! Get a 15% discount on the portion of your balance that you pay within 10 days of your staternent closing date as long as you pay at least your Minirnum Payment Due Extra Days to Pay? You can take up to 60 days from your staternent closing date to pay in full without interest. Pay your minimum balance by the Payment Due Date to take advantage Save on business purchases with the OPEN Savings benefit? The OPEN Savings" benefit ts a built-in feature of your Plum Card“ from American Express OPEN. I1 automatically boosts your savings by giving you up lo a 10% discount i credited to your statement when you use your Card for eligible purchases with OPEN Savings partners. Benefit limits. exclusions and other restrictions apply. Learn more and ™ see a list of participating OPEN Savings partners at opensavings. com EFTA00292272

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Terms and Conditions 1. Early Pay Discount: Get a 1.5% discount on the Portion of your eligiole purchase balance that you pay within 10 days of your statement closing Gale as long as you pay at least your Minimum Payment Due. The discount will appear as a credil on the following billing statement. Eligible purchases are purchases for goods and services minus returns and other credits. Ehgible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks purchases or reloading of prepaid cards, or purchases of other cash equivalents, Additional terms and restrictions apply. see open.com/plum for details 2. Extra Days to Pay: If you pay at least 10% of the balance from new activity on your billing statement plus the entire amount of any previously Gelerred payrnent by the Payment Due Date on that statement, you may Defer Payment of the remainder of that balance untit the clos ing date of your next billing cycle with no interest. Complete terms and details at open.com/plum 3 - OPEN Savings” Benefit: The OPEN Savings benefit is built in to Business Cards from American Express OPEN and provides either up to a 10% discc oF up to 4 additional Membership Rewards” points for each eligible dollar spent at OPEN Savings merchants. To take advantage of this yment must be made with a Business Card from American Express OPEN at the time of purchase. All Cards under a particular Card Account (including the Basic Card as well as any Additional or Employee Cards) are combined for the Purposes of calculating OPEN Savings benefits. All OPEN Savings benefits are credited to the Basic Card Member only. Please allow up to 12 weeks for your benefit to appear on your monthly statement. If your Card Account Is not eligible to receive Membership Rewards points or is not enrolied in the Membership Rewards Program, you will receive the OPEN Savings benefit as a discount that will be provided as a statement credit to that Card Account, If your Card Account is enrolled in the Membership Rewards Program you have the option of receiving your OPEN Savings benefit either as a discount or as additional Membership Rewards points, The relative value of the benefit options will differ depending on how you use your Membership Rewards points. The redemption value of additional points that you receive under the Membership Rewards Points Benefit may be tess than the collar value of statement credits that you receive under the Discount Bene fit. You can change your OPEN Savings benefit selection a maximum of once per calendar month iInges normally take effect wilhin 72 hours from the,time you submit a change to your benefit selection. Purchases that are eligible for the OPEN Savings benefit that are returned or credited from an OPEN Savings merchant will result in a reversal of your statement credit or removal of Membership Rewards points depending on your benefit election at the time of the return or credit. The benefit may not be available at all OPEN Savings partner locations. For a full list of individual OPEN Savings merchants and benefit descriptions, please visit opensavings.com The OPEN Savings benefit (including merchant participation and offers) is subject to change at any time without notice. Mernbership Rewards program terms and conditions apply. OPEN Savings offers may be subject to exclusions, benefit limits and other restrictions or limitations. For full terms and conditions including specific paragraphs on the Benefit Selection and How Returns Work, 80 to opensavings.com EFTA00292273

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OMUUTOMUONRUV EO 0 THE PLUM CARD* from American Express OPEN 0629408604254045 WENN) QED TY NTN DO (9930861045 10/03/14 0406P6D0000202000 NEW ACCOUNT 1 os + AMERICAN EXPRESS HW BUSINESS Please be prepared to provide the Card Member's Social Security number and date of birth when you activate the Card, Welcome to Plum Card Membership The Plum Card has two unique payment options each month. You can have both the 15% Early Pay Discount and up to 60 days to pay without interest in the same bi ling cycle. So take advantage and pay your bill the way that works for your business 15% Early Pay Discount! Gi 1.5% discount on the portion of your balance that you pay within 10 days of your statement closing date as long as you pay at least your Minimum Payment Oue Extra Days to Pay* You can lake up to 60 days from your statement closing date lo pay in full without mterest. Pay your minimum balance by the Payment Due Date to take advantage Save on business purchases with the OPEN Savings benefit? The OPEN Savings* benefit is a built-in feature of your Piurn Card* from American Express OPEN. It autornatically boosts your savings by giving you up to a 10% discount credited to your statement when you use your Card for eligible purchases with OPEN Savings partners. Benefit limits, exclusions and other restrictions apply. Learn rnore and See a list of participating OPEN Savings partners at opensavings com EFTA00292274

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Terms and Conditions 1- Early Pay Discount: Get a 15% discount on the portion of your eligible purchase balance that you pay within 10 days of your statement closing date as long as you pay at least your Minimum Payment Due, The discount will appear as a credit on the following billing statement. Eligible @s for goods and services minus returns and other credits Eligible purchases do NOT include fees or interest charges, cash purchases are purcha advances, purchases of Iravelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents, Addilional terms and restrictions apply, see open.com/pium for details 2 - Extra Days to Pay: If you pay at least 10% of the balance from new activity on your billing statement plus the entire arnount of any previously deferred payment by the Payment Due Date on thal statement you may Defer Payment of the remainder of that balance until the closing date of your next billing cycle with no interest. Complete terms and details at open.com/plum 3. OPEN Savings” Benefit: The OPEN Savings benefit is buill in to Business Cards fram American Express OPEN and provides either up toa 10% discount or up to 4 additional Membership Rewards* points for each eligible dollar spent at OPEN Savings merchants, To take advantage of this benefit. payment must be made with a Business Card from American Express OPEN at the time of purchase. All Cards under a particular Card Account (including the Basic Card as well as any Additional or Employee Cards) are combined for the purposes of calculating OPEN Savings benefits All OPEN Savings benefits are credited to the Basic Card Member only. Please allow up to 12 weeks for your benefit to appear on your monthly statement. If your Card Account is not eligible to receive Membership Rewards points or is not enrolled in the Mernbership Rewards program, you will receive the OPEN Savings benefit as a discount that will be provided as a statement credit to that Card Account. If your Card Account is enrolled in the Membership Rewards program you have the option of receiving your OPEN Savings benefit either as a discount or as additional Membership Rewards points, The relative value of the benefit Options will differ depending on how you use your Membership Rewards points. The redemption value of additional points t you receive under the Mernbership Rewards Points Benefit may be tess than the dc value of statement credits that you receive under the Discount Benefit, You can Change your OPEN Savings benefit selection a maximum of once per calendar month. Changes norrnally take effect within 72 hours from the tirne you submit @ change to your benefit selection, Purchases that are eligible for the OPEN Savings benefit that are returned or credited from an OPEN Savings merchant will result in a reversal of your statement credit or removal of Membership Rewards points depending on your benefit election at the time of the return or credit. The benefit may not be avaitable at all OPEN Savings partner locations. For a full list of individual OPEN Savings merchants and benefit descriptions. Please visit opensavings.com The OPEN Savings benefit (including merchant participation and offers) is subject to change at any time without notice Membership Rewards program terms and conditions apply. OPEN Savings offers may be subject to exclusions, benefit limits and other restrictions or limitations. For full terms and conditions including specific paragraphs on the Benefit Selection and How Returns Work, go to opensavings.com EFTA00292275