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Centurion® Cardmember Agreement Table of Contents

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Centurion® Cardmember Agreement Table of Contents CENTURION® CARDMEMBER AGREEMENT TABLE OF CONTENTS CARDMEMBER AGREEMENT Language .............................................................................10 Introduction .......................................................................... 2 Changes ...............................................................................10 Use of your Account and Codes ........................................... 2 Assignment ..........................................................................11 Permitted Uses ...................................................................... 3 Severability ..........................................................................11 Prohibited Uses ..................................................................... 3 Suspension ...........................................................................11 Statements ............................................................................. 4 Default .................................................................................11 Charge Card / Interest Charges ........................................... 4 Cancelling This Agreement/Closing The Account ........... 12 No Pre-set Spending Limit .................................................. 5 Communicating with You ...................................................12 Fees and Commissions ......................................................... 5 No Waiver of our Rights ......................................................13 Liability................................................................................. 5 Complaints and Problems with Goods Payments ............................................................................... 5 or Services Purchased .........................................................13 Allocation of your Payments ................................................ 6 Assignment of Claims .........................................................13 Charges Made in Foreign Currencies .................................. 6 Examples ..............................................................................13 Supplementary Cardmembers .............................................. 7 Taxes, Duties and Exchange Control ..................................13 Funds Advances .................................................................... 7 Limitation of our Liability ..................................................14 Recurring Charges................................................................ 7 Authorization ........................................................................ 8 OTHER IMPORTANT Card is our Property ............................................................. 8 INFORMATION Amex Bank of Canada – Replacement Cards ............................................................... 8 Complaint Handling Procedures .........................................14 Privacy .................................................................................. 8 Financial Consumer Agency of Canada (FCAC) ............. 15 Additional Services .............................................................. 9 Voluntary Commitments and Codes of Conduct ................16 Insurance .............................................................................10 Amex Canada Privacy Code ...............................................16 Lost and Stolen Cards and Misuse of your Account ..........10 American Express Cardmember Service ............................21 AMEX BANK OF CANADA – Any reference in this agreement to your place of residence is CARDMEMBER AGREEMENT AND based on the primary address in our records we received from OTHER IMPORTANT INFORMATION you. Please see the Communicating With You section regarding your obligation to inform us immediately should there be any CENTURION® CARD FROM AMERICAN EXPRESS changes to your primary address. INTRODUCTION By using your account (or by signing and keeping the card), you This document along with the information box and disclosure agree to the terms of this agreement. statement make up the agreement for your account with us Please read this agreement thoroughly and keep it for your (called your account). For ease of reference, the reference. It is your responsibility and you agree to ensure that agreement is printed on the front and the back any supplementary cardmembers are aware of these terms. of each page and are numbered accordingly. Please see the “Supplementary Cardmembers” section of this If you are an existing cardmember, this version of the agreement agreement for additional details. may contain amendments and revisions to your agreement. Your use If you have a concern or complaint, please see the Amex Bank of of your account is governed by this agreement. Canada – Complaints Handling Procedures under the “Other You and your mean the person who applied for this account but Important Information” section following this agreement. does not include a supplementary cardmember. We have opened a This agreement contains a limitation of liability clause which card account in your name and you will be the basic cardmember. limits our responsibility and liability. Please refer to the We, us and our mean Amex Bank of Canada. “Limitation of Liability” section of this agreement for additional details. Card means any card or other account access device we issue for the purpose of accessing your account. USE OF YOUR ACCOUNT AND CODES Charge means all transactions made using a card or otherwise charged to To prevent misuse of your account, you must ensure that you and your account, and includes purchases, funds advances (also called cash any supplementary cardmembers: advances), fees, commissions, interest, taxes and all other amounts you • sign the card in ink as soon as received, have agreed to pay us or are liable for under this agreement. • keep the account secure at all times, In this agreement, statements and elsewhere, we may use the terms • regularly check that you still have the card in your possession, you and basic cardmember interchangeably and we may use the • do not let anyone else use the account, terms interest and finance charges interchangeably. • ensure that you retrieve the card after making a charge, and The date of this agreement is the date that you sign the card, • never give out your account details, except when using the activate the card or use the account. account in accordance with this agreement. The place your agreement was formed is the Canadian To protect your PIN, telephone codes, on-line passwords and any primary address in our records that you provided at the time other codes used on your account (called codes), you must ensure your account was opened. that you and any supplementary cardmembers: • memorize the code, 2 • destroy any communication informing you of the code We may permit a card to be used for contactless payments which (if applicable), enables you to make charges without signing or entering a code at a • do not write the code on the card, participating merchant. This service uses a computer chip that is built • do not keep a record of the code with or near the card or into the card and transfers encrypted payment information wirelessly account details, when you hold the card to a contactless reader. You agree to only use • do not tell the code to anyone, the contactless service in accordance with our instructions. • if you select a code, do not choose a code that can easily be We may permit you to use your account with a mobile phone or associated with you such as your name, date of birth or other type of device to make payments and access services. You telephone number, and agree to only use your account for such payments and services in • take care to prevent anyone else seeing the code when entering accordance with our instructions, this agreement and any other it into an automatic banking machine or automatic teller user terms that may apply. References in this agreement to using machine (called ABM or ATM) or other electronic device. your card, account number or the account also apply to using your If we permit use of the account with a mobile phone or other type account for payments and to access services with a mobile phone of device, do not give access to the phone or other device to any or other type of device. other person including protecting access to biometric If we permit, a card may be used to cash a cheque at an American authentication such as fingerprint and facial recognition. Express location. A dishonoured payment fee is payable as set out in the information box and disclosure statement if the cheque is PERMITTED USES returned or not honoured immediately for its full amount by the You may use your account, subject to any restrictions set out in financial institution. We may also charge the amount of the cheque this agreement, to pay for goods and services from merchants who to your account. accept the card (called merchants). Here are some examples: PROHIBITED USES • using your card to pay for goods and services by presenting the You must not: card to a merchant and complying with their request to sign or • give your card or account number to others or allow them to enter a code, and use your card or account for charges, identification or any • using your card or the account to pay for goods and services other purpose, ordered from a merchant by telephone, internet or mail. • return goods or services obtained using your account for a If we agree you may also use your account to obtain funds cash refund, advances. For example, you may obtain
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