UPDATED! Call Recording Disclosure – Required DISCLOSURE (ALL STATES):

ALL STATES: Instructions:  Mandatory to introduce yourself and state that you are calling from American Express on a recorded line.  You must also state the purpose of your call within the first 30 seconds of all calls.

• Hi, this is [Name] from American Express calling on a recorded line. This call may be monitored and analyzed for compliance and to improve our systems and services.

NEW YORK: Mandatory to introduce yourself and state that you are calling from American Express on a recorded line.

• Hi, this is [Name] from American Express calling on a recorded line.  This call may be monitored and analyzed for compliance and to improve our systems and services. Is this [Business Owner]?
• If not the correct contact and correct contact not available, politely end the call.
• If correct contact, one sentence intro required, such as: I’m calling to discuss American Express products that may support your company’s needs, would you like to hear more?
  • If yes:    Because you’re located in New York, I am required by law to tell you that you can ask to be included in our Do Not Call list going forward at any time.  Some of the products we discuss today may include a fee.
  • If no:    You can reach me at [Phone Number] if you have any questions in the future.  Would you like to be added to our Do Not Call list going forward? 

 NEW JERSEY: Mandatory to introduce yourself and state that you are calling from American Express on a recorded line.

• Hi, this is [Name] from American Express calling on a recorded line.  This call may be monitored and analyzed for compliance and to improve our systems and services. Is this [Business Owner]?
• If not the correct contact and correct contact not available, politely end the call.
• If the correct contact, one sentence intro phrased is required. It must state the purpose of the call, such as: I’m calling to discuss American Express products that may support your company’s needs, would you like to hear more?]

• • If yes:    If we get disconnected or need to reach me later, my direct line is [Phone Number]
  • If no:    You can reach me at [Phone Number] if you have any questions in the future. 

Credit Impact Statement (Small Business)

Instructions: To be used reactively if a Small Business Customer asks about impacts to their credit (business and/or personal), including about credit pulls or ongoing credit reporting.  Must be read verbatim and in full.

• American Express may utilize your personal and commercial credit report information during the business card application process.  If you are approved for an American Express Business Card account, American Express does not report your account information to consumer credit bureaus as long as your account remains in good standing.

Credit Impact Statement (Corporate)

Instructions: To be used reactively if a Corporate Customer asks about impacts to their credit (business and/or personal), including about credit pulls or ongoing credit reporting.  Must be read verbatim and in full.

• American Express may utilize your commercial credit report information during the Corporate application process.  We may consider consumer credit report information in certain instances, but do not report any ongoing positive or negative consumer credit to reporting agencies.

Ongoing Commercial Credit Reporting Follow-Up Disclosure (Corporate and Small Business)

Instructions: to be used reactively as a follow-up if the Customer asks about how Amex reports to commercial credit bureaus. Must be read verbatim and in full.

• If you are approved for an American Express Business Card or Corporate Card account, your payment history may be reported ongoing to commercial Credit Agencies.

Do Not Call (DNC)

Instructions: Mandatory to read verbatim and in full If a customer asks for American Express not to call them again or asks to be put on the Do Not Call registry.

• We will immediately initiate the process of removing your name from our telephone marketing lists. However, because some marketing campaigns were created prior to your request, it may take up to 30 days for telephone marketing exclusion.

EMAIL DISCLOSURES
Instructions:  Mandatory to read verbatim and in full whenever a new email address is obtained for the first time or changes are made to an existing email address.

• By providing your e-mail address, we may use it to send you servicing messages and you agree to receive information about products, services and offers from American Express. For information about how we protect your privacy, please read our Privacy Statement at americanexpress.com/privacy.

Marijuana Related Businesses

Instructions:  Mandatory to be read verbatim and in full when taking an application upon hearing that the business is marijuana related.

• Thank you for taking the time to share information about your business with me. At this time, American Express has chosen to not provide financial services to businesses involved in the marijuana industry. This stance may change in the future, but this is the approach we are currently taking in the U.S.

Non-Rebuttal States (Arkansas, North Carolina, Idaho, Utah, South Carolina)

Instructions:  If a customer’s business is in a non-rebuttal state and they indicate they aren’t interested, the call MUST be discontinued. In all other states, Amex policy allows for no more than 2 rebuttals before the call must be discontinued.

• Non-Rebuttal States: Arkansas, North Carolina, Idaho, Utah, South Carolina

Permission to Continue (Oregon and Louisiana)

Instructions: If a customer’s business is located in Oregon or Louisiana, it is mandatory to ask for permission to continue a sales call and to promptly discontinue the call if the called party gives a negative response.

• Do I have your permission to (tell you more/ask you a few questions) to determine which of our products are the best fit for your business?