¹ To receive the $20 credit from American Express Serve, you must (i) successfully sign up for new American Express Serve Account, (ii) activate your American Express Serve Card, (iii) select and successfully enroll in Direct Deposit for your 2013 1040 federal income tax refund with your American Express Serve Account information, (iv) file your 2013 federal 1040 income tax return by April 15, 2014 and (v) receive your 2013 1040 federal income tax refund by Direct Deposit into your American Express Serve Account by May 31, 2014. A qualifying Direct Deposit is defined as an electronic deposit of a 2013 1040 income tax refund by the United States Treasury into your American Express Serve Account. Refund anticipation loans or other similar providers and products do not qualify for the promotion. Transfers or loads into your American Express Serve Account from any other funding source (including P2P, credit or debit card, ACH, remote deposit, cash) whether or not such load or transfer includes all or a portion of an income tax refund check, monies or other any form of income tax refund, do not qualify for this promotion. Funds transferred via Direct Deposit generally post on the day that American Express Serve receives the transfer from your payor. However, in some instance it may take several days for American Express Serve to receive your payor's transfer, so please allow sufficient time for that process to occur. American Express Serve is not responsible for income tax return or refund processing or direct deposit requests that are not honored or otherwise erroneously processed by the Internal Revenue Service, United States Treasury or their agents. Statement credit will be posted to your American Express Serve Account within thirty (30) days of satisfying the above requirements. Limit one (1) $20 credit per American Express Serve Account. Subaccount holders are not eligible to earn a credit. Offer subject to change or cancellation at any time and cannot be combined with any other offer(s).

² A $2.95 purchase fee applies to the purchase of a Temporary Card. See store for details.

³Data rates may apply.

⁴Cash advance fees for credit card loads may apply; please check with your credit card issuer for details.

⁵Fees apply to American Express Serve^® Accounts. See serve.com/fees for more details.

⁶American Express Serve will not charge you an ATM fee if you use a MoneyPass^® ATM. For non-MoneyPass^® ATM withdrawals, American Express Serve charges a $2 ATM fee. ATM owner fees may also apply. Transaction limits apply. Subject to Account privileges/permissions. See the American Express Serve Consumer User Agreement at serve.com/legal for details.

⁷Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to $1,000 per occurrence; not to exceed $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.

American Express Serve^® Accounts available to U.S. residents who are over 18 years old only (or 19 in certain states) and for use virtually anywhere American Express^® Cards are accepted worldwide, subject to verification. Fees apply. Other eligibility and restrictions apply. See the American Express Serve Consumer User Agreement for details.

Serve Virtual Enterprises, Inc. is a wholly-owned subsidiary of American Express Travel Related Services Company, Inc. American Express Serve Service and Card are provided and issued by American Express Travel Related Services Company, Inc. 200 Vesey Street, New York, NY 10285. American Express Travel Related Services Company, Inc. is licensed to engage in the transmission of money on behalf of the public. Click here for information about addressing complaints regarding our money services business, lists of our money services business licenses, and other disclosures.

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