Corporate Travel Entertainment Card Policy U.S. Canada

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					                                                            Wyndham Worldwide Corporate T&E Card Policy
                                                                                          WTS 001.001




  Corporate Travel & Entertainment
             Card Policy
           U.S. & Canada




Policy Version 1.0 Effective December, 2007   Page 1 of 8                        Enterprise Travel Services
                                                                     Wyndham Worldwide Corporate T&E Card Policy
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                                    TABLE OF CONTENTS
Section            Section Description                                                                             Page

1.       Purpose......................................................................................................3
2.       Introduction ................................................................................................3
3.       General Terms and Conditions for Use......................................................3
4.       Glossary of Terms......................................................................................4
5.       Eligibility .....................................................................................................5
6.       Program Administration..............................................................................5
7.       Cardholder Responsibility ..........................................................................5
8.       Manager Responsibilities ...........................................................................6
9.       Corporate Card Payment Terms ................................................................6
10.      Violations (Fraud/Misuse of the Corporate Card) .......................................8
11.      Reference Policies .....................................................................................8
11.1     Questions ...................................................................................................8
11.2     Owner ........................................................................................................8
11.3     Revisions....................................................................................................8




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1.       Purpose

The purpose of this policy is to provide the guidelines governing the acquisition
and use of the Wyndham Worldwide sponsored American Express (AMEX)
Corporate Card Program (the “Amex Program”). The Wyndham Worldwide
Amex Corporate Card must be used by associates for business travel
expenditures and is a vital element of the Company's expense management
strategy. Therefore, participation in the program is not optional. It is not intended
to replace existing procurement processes where the Wyndham Worldwide
purchasing card (P-Card) or purchase orders are required. All regular exempt
and non-exempt associates who expect to travel must apply and qualify for a
Wyndham Worldwide Amex Corporate Card. The Amex Program is designed to
reduce the necessity for associates to incur business related charges on
personal credit cards. Purchases must be in compliance with the Wyndham
Worldwide Travel and Entertainment Policy. Any violation of either the Amex
Program or the Travel and Entertainment Policy may result in disciplinary action,
up to and including termination of employment.

2.       Introduction
The American Express Corporate Card is for business use only. The Wyndham Worldwide
Amex card cannot be used as a credit reference instrument or for personal expenses. The only
time a personal expense may be charged to the Amex Corporate Card is when it is included in an
overall business expense. For example, when a non-reimbursable charge such as a gift shop
charge in a hotel is included on a hotel bill, the entire hotel bill may be charged to the Wyndham
Worldwide Amex Corporate Card including the non-reimbursable portion. It is not necessary to
request a separate bill for that charge. The associate is responsible and liable for payment to
American Express for all non-reimbursable and reimbursable expenses unless the associate
participates in the Wyndham Worldwide Guaranty Corporate Card (see definition) sponsored
program.

3.       General Terms and Conditions for Use
         Wyndham Worldwide Amex Corporate Card accounts may be subject to periodic internal
         control reviews and audits designed to protect the interests of Wyndham Worldwide. By
         accepting the Wyndham Worldwide Amex Corporate Card, the associate agrees to
         comply with these reviews and audits.
         The policies and procedures related to the Amex Program may be updated or changed at
         any time. The associate agrees to and will be responsible for the execution of any
         program changes.
         The associate agrees to surrender and cease use of the Amex Corporate Card upon
         termination of employment whether for retirement, voluntary separation, resignation or
         dismissal. If the associate ceases to travel, or incur business entertainment expenses
         frequently, the Amex Program Administrator may request the card be cancelled due to
         inactivity. The associate may also be asked to surrender the Wyndham Worldwide
         American Express Corporate Card at any time deemed appropriate by management.
         Misuse or fraudulent use of the card may result in card suspension, card revocation,
         disciplinary action, employment termination and/or legal action.
         Delinquency fees are not reimbursable and will not be paid unless authorized as an
         exception as directed in the Wyndham Worldwide Travel and Entertainment policy.

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         The associate is responsible to remit payment directly to American Express for any
         expenditure, whether reimbursable or not.
         The Wyndham Worldwide Travel & Entertainment policy does not allow the use of the
         Amex Corporate Card for personal use.
         Associates who are asked to surrender their cards as a result of non-payment
         (delinquency) of their account will not be eligible for future participation in the Amex
         Program.

4.       Glossary of Terms
         Account Cancellation – The Amex Card issued is cancelled when an associate agrees
         to surrender and cease use of the Amex Corporate Card upon termination of employment
         whether for retirement, voluntary separation, resignation or dismissal. If the associate
         ceases to travel or incur business entertainment expenses frequently, the Amex Program
         Administrator may request the card be cancelled due to inactivity. The associate may
         also be asked to surrender the Amex Card at any time deemed appropriate by
         management. Misuse or fraudulent use of the card may result in card suspension, card
         revocation, disciplinary action, employment termination and/or legal action.
         Account Suspension – The Amex Card issued is suspended from future charge activity
         when an associate is delinquent with his/her payment. An account is considered
         delinquent when payment is not received within 30 days of the billing date and subject to
         suspension between 45 and 60 days past due. Also, the associate may be asked to
         surrender the Amex Card at any time deemed appropriate by management. Misuse or
         fraudulent use of the card may result in card suspension, card revocation, disciplinary
         action, employment termination and/or legal action.
         American Express Corporate Card Program - (“Amex Program”) – A Travel &
         Entertainment card program sponsored by Wyndham Worldwide designed to improve
         cash flow, consolidate associate spending, negotiate better corporate rates and monitor,
         analyze and control spending.
         Associate – Any Exempt or Non-Exempt employee of Wyndham Worldwide.
         Consultants, contractors, and student associates are not eligible to participate in the
         Amex Program.
         Electronic Dunning Notice (E-Dunning) – All Amex card accounts are reviewed
         monthly. If delinquent (minimum amount due) is not credited to your account by the
         payment due date, then you will receive an internal email notification from the Program
         Administrator advising the account is delinquent.
         Guaranty Card Program - The Wyndham Worldwide Guaranty Corporate Card Program
         is available only to associates who do not meet the American Express credit rating
         criteria and therefore otherwise would not receive an Amex Corporate Card. The
         admittance into this Guaranty program requires strict manager oversight and special
         approval arrangements.
         Non-reimbursable - Any service or product purchased on the Wyndham Amex card
         deemed out of scope and/or not in compliance with Wyndham Worldwide Travel &
         Entertainment, P-Card, and Amex Card policy.
         Payment Delinquency - Payment to American Express is due upon receipt of the bill.
         Any account not paid within 30 days of the billing date is considered delinquent.
         Personal Use - Any non-business activity reflected on the Amex card statement that
         does not exclusively benefit Wyndham Worldwide objectives or pertain to an associate’s
         job performance.
         Program Administrator - The Amex Program is managed by an associate of Wyndham
         Worldwide. The Program Administrator performs a variety of tasks related to the
         administration and maintenance of the Amex card process. These tasks include but are
         not limited to card application processing, card cancellation, Travel & Entertainment
         reporting, and card compliance and account activity review.



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         Statement Billing Date - The first billing date charges will be incurred. The date is
         typically shown on the billing statement and is the first day after the Statement Closing
         date.
         Statement Closing Date - The last billing date charges can be incurred. The date is
         typically shown on the billing statement.
         Wyndham Worldwide Amex Acknowledgement Agreement – An agreement
         established by Wyndham Worldwide governing the responsibilities of the associate while
         participating in the Amex program.

5.       Eligibility
In general, participation in the Amex Program is designed for exempt and non-exempt associates
who travel on Company business and/or entertain on behalf of the Company. Approval from your
manager is required to obtain a Wyndham Worldwide Amex Card. In order to apply for the card,
associates may obtain the online application at amex.us@wyndhamworldwide.com or
http://wynworld.wyndhamworldwide.com/travel.

The associate should include his/her reporting manager’s name and address in the appropriate
field. Once the form is submitted, the Manager will receive an e-mail notification from American
Express to forward their approval of the application to the Program Administrator. The manager
must forward an e-mail of his/her approval to amex.us@wyndhamworldwide.com.

Eligible associates who apply and obtain credit approval by American Express will be issued a
Wyndham Worldwide Amex Corporate Card for business travel expenses within 7-10 business
days. The Wyndham Worldwide Amex Program Administrator does not establish a limit on the
dollar amount that may be charged against the corporate card. The spending limits are
determined by American Express. If the associate is unable to obtain credit, Wyndham
Worldwide will request a limit under the Guaranty Card Program. Consultants, contractors, and
student interns are not eligible to participate in the Amex Program.

6.       Program Administration
The Amex Program is administered by the Travel Services department. The daily administration
of the Amex Program is managed by the Wyndham Worldwide Amex Program Administrator.
Those responsibilities include but are not limited to the following:

         Maintain Corporate Credit Card applications utilizing American Express Web-site;
         Cancellation of cards for terminated associates or associates on leave of absence;
         Management and reporting delinquent cardholder reports and charge spend activity;
         Management of the relationship with the associate and American Express;
         Assist associate with resolution of questions or problems pertaining to their American
         Express Card account; and
         Assist Human Resources, internal audit, and management with review of an associate’s
         Amex Corporate Card use upon request.

7.       Cardholder Responsibilities

         Upon completing the online application and signing the Wyndham Worldwide Corporate
         Card Acknowledgement Agreement, an associate agrees to be liable for payment to
         American Express all amounts charged to the Corporate Card, regardless of purpose.
         The associate is obligated to submit timely expense reports in accordance with the
         Travel & Entertainment Policy. Expense reports must be filed and submitted to the
         associate’s manager in sufficient time for the manager to submit the report to the

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         appropriate Accounts Payable department prior to the due date or next billing statement
         period for which payment is due.
         American Express requires that all payments be received upon receipt of the statement.
         Should your payment not be made on or before 30 days of the statement date, the
         Wyndham Worldwide Amex Program Administrator and/or American Express will send
         you an email or written notice. If the statement goes unpaid for 60 days or more,
         Wyndham Worldwide and/or American Express reserve the right to suspend your card
         privileges.
         The associate must submit his/her American Express statement along with all travel
         receipts when seeking reimbursement.
         Associates without a Wyndham Worldwide American Express Card must have their
         business travel expenses charged to their manager’s Corporate Card, wherever possible.
         Where applicable, associate should utilize online access to obtain monthly e-statement
         on www.americanexpress.com to ensure statements are received in a timely manner.
         The associate should visit Wyndhamworldwide@orbitzforbusiness.net and create and/or
         update their travel profile with the American Express Card number.

8.       Manager Responsibilities

         The manager should clearly understand Wyndham Worldwide’s Travel & Entertainment
         policy and procedures and educate new associates on the proper use of their Corporate
         Card.
         Ensure associates with a business need are enrolled in the program.
         Ensure the associate is using the card within policies and procedures outlined herein and
         the Wyndham Worldwide Travel & Entertainment policy.
         In the event an associate separates from the Company, it is the manager’s responsibility
         to ensure the Corporate Card is collected/destroyed and all outstanding balances are
         reviewed immediately. If the balance consists of business charges, a final expense
         report should be prepared and made payable to American Express directly. Personal
         charges on an associate’s account are his/her sole responsibility.
         Perform review of associate’s expense report confirming American Express statement is
         attached along with receipts and ensuring the “past due” status noted on statement is
         below 60 days and/or current.

9.       Corporate Card Payment Terms
An associate must pay the amount owed for Amex Corporate Card usage upon receipt of the
Amex statement. An account becomes delinquent if payment has not been received and credited
to the account within thirty (30) days of the statement billing date.

The American Express statements should be downloaded from the American Express Web-site
each month by the associate. It is the associate’s responsibility to ensure their Wyndham
Worldwide Amex Corporate Card account remains current (0-29 days). The Corporate Card
account must be paid within thirty (30) days after the statement closing date. American Express
will charge a late assessment fee once an account is 45 days past due. Late fees are not
reimbursable. All accounts past due 60 days will be suspended by American Express until a
payment is made to bring the account current.

If an account remains past due at 90 days, the account will be canceled automatically due to non-
payment (delinquency) and associate may not be eligible for future participation in the program.
In some cases, an internal Check Request may be prepared to pay the outstanding balance
directly to American Express and the associate’s cost center charged. The associate’s manager,
Human Resources, and Chief Financial Officer will be advised if the account is 90 days past due
or if a Check Request is prepared on an associate’s behalf.

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Delinquency Status Schedule (Account 30 Days or more past due)

An associate may receive a Dunning Notice (E-Dunning internal e-mail demand for payment) if an
American Express account does not receive payment at 30 days past due. Notification is again
sent to the associate and their manager between 45 and 60 days. If requested, copies of the
past due statements will be forwarded to the associate’s manager, Human Resources and Chief
Financial Officer for additional review and/or explanation.

Below is the Wyndham Worldwide American Card Program Payment Schedule

 Days        Account               Action Taken                   Fees Assessed                  Notification
 Past         Status
 Due                           (Wyndham PA/Amex)                 (Non-Reimbursable)
30-44      Current         Amex will include a             None                         Associate
                           delinquency message on the
                           monthly statement. Accounts
                           determined to be credit risks
                           will be suspended.
45-59      Not             E-Dunning Notice sent           Late fee charged ($29)       Associate
           Current
                           Amex will include a
                           delinquency message on the
                           monthly statement. Accounts
                           determined to be credit risks
                           will be suspended.
60-89      Not             E-Dunning Notice Sent           Delinquency Fee charged      Associate/Manager/HR/CFO
           Current                                         ($29 or 2.99% of
                           Amex will include a             outstanding balance)
                           delinquency notice on the
                           monthly statement.

                           Account Suspended
90 or >    Not             E-Dunning Notice Sent           Delinquency Fee charged      Associate/Manager/HR/CFO
           Current                                         ($29 or 2.99% of
                           Amex will include a             outstanding balance)
                           delinquency notice on the
                           monthly statement and the       Account Suspension Fee
                           account may be referred to a    charged $25
                           collection agency.

                           Account Cancelled

WYNDHAM WORLDWIDE GUARANTY CORPORATE CARD PROGRAM

The Wyndham Worldwide Guaranty Corporate Card Program is available only to associates who
do not meet the American Express credit rating criteria and therefore otherwise would not receive
an Amex Corporate Card. The admittance into this Guaranty program requires strict manager
oversight and special approval arrangements and entry.




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10.      Violations (Fraud/Misuse of the Corporate Card)
Abuse of the Corporate AMEX Card is a violation of Wyndham Worldwide Travel & Entertainment
and Wyndham Worldwide T&E Corporate Card policy and will subject the associate to disciplinary
action, up to and including termination. Use of the Amex Card that exposes Wyndham Worldwide
to financial hardship would be considered fraud or misuse.

In cases where associates have outstanding balances that are non-reimbursable by Wyndham
Worldwide and remains unpaid the following departments may get involved: Corporate Travel &
Expense Reporting, Corporate Security, Human Resources, Finance, Internal Audit, and Legal
department. The Wyndham Worldwide Program Administrator, Internal Auditors, External
Auditors may conduct periodic reviews of any associates Corporate Credit Card use.

The above departments will open a case, investigate the card usage and determine the correct
course of action. Any violation of this policy may result in disciplinary action, up to and including
termination of employment.

11.      Reference Policies

         Wyndham Worldwide Business Principles Policy
         Wyndham Worldwide Travel & Entertainment Policy
         Wyndham Worldwide P-Card Policy and Procedure

11.1 Questions

Please forward any questions regarding this policy via e-mail to
amex.us@wyndhamworldwide.com. Also, any general questions regarding lost or stolen cards
should be directed to American Express at 1-800-528-2122.

11.2 Owner

The Wyndham Worldwide Travel & Entertainment Corporate Card Policy is maintained and
updated by VP, Enterprise Travel Services, 7 Sylvan Way, Parsippany, New Jersey.

11.3 Revisions

Version     Date              Author(s)                  Description                  Approver
0           16-Oct-07         W. Blaney/T. Boatwright




Policy Version 1.0 Effective December, 2007    Page 8 of 8                        Enterprise Travel Services