292119P04

AMERICAN EXPRESS® CHARGE CARD TERMS AND CONDITIONS Date: 29/05/2015 Business Unit: GNICS Project: American Express - GNICS At American Express we will endeavour to ensure that you are given important information in the clearest format possible. The information contained in Job Name: GGP Charge Card T&Cs this table summarises key product features and is not intended to replace any terms and conditions. For full details, please read the terms and conditions. Item: Print - Application Form Creative Agency: Schawk Printer: N/A SUMMARY BOX Size (H/W): 297 x 210mm AW: RD The International Currency Card in US Dollar, Euro or Sterling Currency Interest Interest is not charged on this product as the outstanding balance must be repaid in full each month Schawk London St Marks House Allocation of Payments We will normally apply payments to your account in the following order: QA Shepherdess Walk London N1 7LH 1. Applicable Cardmembership fees Tel +44 (0)20 7861 7777 CSE Fax +44 (0)20 7871 7705 2. Service Charges 3. Late Payment Fees 4. Other purchases and cash 5. Other fees charged by us that appear as a separate item on your monthly statement, for example, Return Payment fees, Statement Copy fees 6. Collection Charges 7. Charges, such as transactions, that have not yet appeared on your monthly statement. Minimum Repayment You must pay us the full outstanding balance on your account each month. Credit Limit This Card does not have a pre-determined credit limit. This does not mean however that there is an unlimited spending facility on the Card. Each transaction is approved based on the expense level and credit history of all of your accounts established with us, our subsidiaries and affiliates and/or licensees, as well as on your credit history with other financial institutions and your personal resources and income known by us. Annual Cardmembership Fee Subject to any promotional offer we may make to you, the annual Cardmembership fee is payable by the payment due date shown on your first statement and at the beginning of each subsequent membership year as follows:

US Dollar Card Euro Cards € Sterling Cards £ Cards $ American Express Charge Card - Basic Card US$0 €0 £0 American Express Charge Card - Green Card US$100 €100 £60 American Express Charge Card - Gold Card US$300 €300 N/A American Express Charge Card - Platinum Card US$550 €550 £450 American Express Charge Card - US$100 €100 N/A Green Business Card American Express Charge Card - US$300 €300 £95 Gold Business Card American Express Charge Card - Centurion Card Price upon Price upon Price upon (application only by invitation) application application application

Joining Fee A one-off joining fee is payable by the payment due date shown on your first statement.

American Express Charge Card – Centurion Price upon Price upon Price upon Card joining fee (application only by invitation) application application application

Charges Copy Statements US Dollar Cards US$: US$4 for each copy provided Euro Cards €: €3 for each copy provided Sterling Cards £: £2 for each copy provided Charge Record Copy US Dollar Cards US$: US$5 for each copy of a record of a Transaction provided Euro Cards €: €5 for each copy of a record of a Transaction provided Sterling Cards £: £0 for each copy of a record of a Transaction provided

Foreign Usage American Express The rate at which all transactions on your account will be converted can be Exchange Rate found at americanexpress.com/eurodollar Foreign Transaction Fee US Dollar Cards US$: We will apply a fee of 3% to each transaction in a currency other than US Dollar Euro Cards €: We will apply a fee of 2.7% to each transaction in a currency other than Euro Sterling Cards £: We will apply a fee of 2.99% to each transaction in a currency other than Sterling

Default Charges Late payment fee US Dollar Cards US$: 2% and US$25, Euro Cards €: 2% and €25, Sterling Cards £: £12 Returned payment fee US Dollar Cards US$: US$15, Euro Cards €: €15, Sterling Cards £: £12

Membership Rewards The Membership Rewards Programme earns you 1 point for virtually every full US$1, €1, £1 spent on the Card. Programme Where applicable, an annual fee may be payable for enrolment into the MR programme. Please refer to the Terms and Conditions for both the Card and the MR programme for further details. American Express International Currency Card Agreement CARD AGREEMENT: PART 1 OF 2 American Express® Charge Card Issuer This Agreement governs your use of your Card and your Account. Your Card allows access to your Account and any Card Benefits provided in connection with the Card. The Card is separate from your Account. You may choose to apply for a Card with certain Card Benefits or to opt for a Card without Card Benefits (called a Basic Card). American Express Services Europe Limited Registered Office: Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX, UK. Registered in England and Wales with Number 1833139. Important information about your Agreement Fees Cardmembership Fees Depending on the type of Card issued to you, a Cardmembership fee may be payable which may include a joining fee and/or an annual fee and a Supplementary Cardmembership fee for each Supplementary Card issued at your request (beyond any offered free of charge as part of your Card benefits). The annual Cardmembership fee is payable on an annual basis beginning on the first statement date after your Account is opened (any joining fee will be payable with the first annual Cardmembership fee only). However, payments for any Supplementary Cardmembership fee will begin on the first statement date after the Supplementary Card is issued. The amounts of the fees are shown in the Cardmembership Fee Schedule provided to you with this Agreement or as otherwise notified to you when you apply for a Card, and thereafter, in your statement. There is no Cardmembership fee for a Basic Card. US Dollar Cards US$ Euro Cards € Sterling Cards £ Late Payment Fee 2% and US$25 2% and €25 £12 A late payment fee is payable if you do not pay the full outstanding balance shown on your statement within 30 days of your statement date and again if you have not paid within 60 days of your statement date. Returned Payment Fee US$15 €15 £12 A returned payment fee is payable if any payment to your Account is not honoured by your financial institution when first presented for any reason. Statement Copy Fee US$4 €3 £2 A statement copy fee is payable for each additional copy of a statement you request or if you have enrolled in online statements and you request a paper copy. Charge Record Copy Fee US$5 €5 N/A A charge record copy fee is payable for each copy you request of a record relating to charges applied to your Account. Foreign Transaction Fee 3% of the converted 2.7% of the 2.99% of the The amount of the Transaction will be converted into the correct currency US Dollars amount converted Euro converted British (please see 'Converting Transactions made in a foreign currency ') and you will be amount Pounds Sterling charged the specified % of the Transaction (or as otherwise disclosed by us) if you amount choose to make a Transaction in a currency other than the currency of your Card. Annual Government Stamp Duty Fee Equivalent value of €30 Equivalent value An Annual Government Stamp Duty Fee is payable if you are resident in the €30 in US Dollars of €30 in British Republic of Ireland. Pounds Sterling Collection Costs In addition to the fees set out above, you agree to pay all reasonable costs, including legal advisers' fees that we incur in collecting amounts you owe.

SETTING SPENDING LIMITS • if we change the services and benefits included with your Account; • to maintain an appropriate return from your Account and to ensure Although generally there is no pre-set spending limit on our charge Cards, that our business maintains a broadly similar level of profitability and we may at our discretion decide on and inform you of a temporary spending competitiveness; limit applicable to your Account which is the maximum amount which • to ensure the fees payable continue to reflect the fair value of the Account can be outstanding at any time on your Account (including use by any which may include aligning our charging arrangements; or Supplementary Cardmembers). We may do this even if your Account is not • for any other valid reason as long as you are able to end the Agreement in default. without charge. You agree to manage your Account so that Transactions billed to your Account do not exceed the spending limit, (where applicable). Account services We may change the Account services we provide to you or the way REPAYMENTS we deliver them if we reasonably consider this would not be to your disadvantage and there is no increased cost to you. Making repayments Benefits offered with your Account You must pay the full outstanding balance on your account each month, We may change the benefits offered with your Account (including removing a as shown on your statement, which must have reached us and be credited benefit, substituting new benefits, changing the benefit provider or altering the to your Account by the Payment Due Date (which is also shown on costs associated with them) provided we reasonably believe the overall benefits your statement). associated with your Account represent good value and are competitively If we request, you also agree to pay us any amount by which you have gone priced or for a reason stated under 'All other terms of your Agreement' below. over any limits immediately or together with your monthly payment due. All other terms of your Agreement Further information about how to make payments is set out in Part 2. We may change any terms not referred to above for any of these reasons: CHANGING THE AGREEMENT • we reasonably consider the change would make the terms easier to understand, fairer to you, or you would not be disadvantaged by it; When and how we make changes to fees • to make reasonable changes to the way we look after your Account as a We may change the fees payable under this Agreement (including result of changes in the banking or financial system, technology, or the introducing new fees or when or how we calculate or apply fees) for one of systems we use; the following reasons: • as a result of actual or anticipated legal or regulatory requirements; • to respond proportionately to actual or expected changes to our costs of • t o ensure that our business is run prudently; or providing the Account; • for any other valid reason as long as you are able to end the Agreement without charge. Notification of changes SOME OTHER THINGS YOU NEED TO KNOW We will give you at least two months' advance personal notice of all changes to your Agreement referred to in this section unless the change is not to Business customers only your disadvantage. In this case, we will give you personal notice but we may If you apply for an American Express Business Card, we will check the make the change more quickly. following records about you and your business partners: If you do not want to continue the Agreement with the change, you can • our own records; end this Agreement (see 'Ending your Agreement'), otherwise, you will be • personal and business records at credit reference agencies. They will deemed to have accepted the changes unless you notify us prior to the date place a search footprint on your business credit file that may be seen on which the changes will take effect that you do not accept the changes. If by other lenders. They supply to us both public (including the electoral we don't hear from you, all changes will take effect as notified for as long as register) and shared credit and fraud prevention information; the Agreement remains in existence. • records at fraud prevention agencies; and • for directors, credit reference agencies will check that the residential Upgrading and downgrading your Account address provided matches the restricted register of directors' usual We may make a combination of changes to this Agreement to change the addresses at Companies House. type of Card we issue you with. This may happen if you request a different When credit reference agencies receive a search from us they will create a type of Card, if our assessment of your circumstances means that we record of the name and address of your business and its proprietors if there believe that you no longer qualify for your current Card or that you now is not one already. qualify for a different Card. For the American Express Business Card the Business is jointly and We will always give you notice of the changes as set out above unless you individually liable with you to pay to us when due all charges on the have told us that you would like to move to a different Card and we choose Account made by you and any Supplementary Cardmember. This to provide you with a new Card more quickly. means that we can demand payment of the entire balance owing on You may notify us in writing at any time that you no longer wish to an American Express Business Card from you the Cardmember, or the maintain your card benefits in which case we will cancel your Card and Business. Each Supplementary Cardmember is also jointly and individually issue you, subject to our approval, another Card that you may choose to liable with you and the Business to pay to us when due all charges on the apply for or, if you so choose, a Basic Card. We will refund you the annual Account made by the Supplementary Cardmember. This means that Cardmembership fee and any Supplementary Cardmembership fee on we can demand payment of that part of the outstanding balance which a pro-rata basis (unless you choose and are issued with another Card, in relates to each Supplementary Card from you, the Business or the relevant which case we may adjust the refund, if the equivalent fees for the new Card Supplementary Cardmember. are lower, or charge the difference, if the equivalent fees are higher). Choosing a different Card does not amount to cancellation of your Account Your Right to Cancel Unless you are a business customer, you can cancel this Account within or this Agreement and does not affect our or your cancellation rights under 14 calendar days beginning on the day after you or the Bank receives your Card. this Agreement, but we reserve the right to issue a new Account to you in If you would like to cancel please either destroy or return to us all cards and connection with re-issuance of your Card. confirm that you want to cancel the Account by writing to us or calling us using the contact details on our website (www.americanexpress.com/eurodollar) or on the back of your Card. If you choose to cancel this Account you will, except for any Cardmembership fee, be liable for any Transactions made on the Account. If you do not cancel, the Account will continue until ended by either one of us.

American Express International Currency Card Agreement CARD AGREEMENT: PART 2 OF 2 American Express® Charge Card

SOME OTHER THINGS YOU NEED TO KNOW Third Party Nominee means a person (including an attorney) whom you have told us is authorised by you to service certain aspects of your Account Introduction or the benefits associated with your Card (including Membership Reward About your Cardmember Agreement points) on your behalf (to the extent set out in your Account application This Agreement is made up of Parts 1 and 2 (Agreement). This Agreement form or other document approved by us) and whom we have accepted to will be concluded when we accept your application in the UK. This Card is act as your third party nominee. not available to residents of the United States of America. Servicing Bank You can request a further copy of this Agreement free of charge at any time If you have told us that a Bank will be servicing or managing your Account during the term of the Agreement. (on your behalf), you agree that we can accept instructions (including Words we use in the Agreement in respect of any benefits associated with your Account such as the We, us, and our mean the issuer shown in Part 1. Yo u and your mean redemption of Membership Reward points) and payments from the Bank the person who applied for this Account and for whom we opened the in relation to your Account until you tell us otherwise and that you will be Account and with respect to an American Express Business Card, includes bound by such instructions or payments. This does not mean that it is the Business. no longer your responsibility to carry out your obligations under this Business means the company, partnership, sole trader, trust or other entity Agreement, so references to 'you' or 'your' still mean you the Cardmember, or person whose name appears on an American Express Business Card. even though your Bank may do certain things on your behalf. If you have You are the Cardmember. You may request a Card for a Supplementary asked your Bank to do something on your behalf and they fail to do it, you Cardmember (see 'About Supplementary Cardmembers'). Reference may still be in default under this Agreement. to you and your includes, where relevant, reference to Supplementary We are still allowed to contact you directly if necessary including, where the Cardmembers but Supplementary Cardmembers do not have any direct Bank is unable to manage your Account. contractual obligations to us under this Agreement except in respect of When we need to send you a Card, statement, notice or other Supplementary Cardmembers on American Express Business Cards – see communication, you agree that we will send this to your Bank if you have “Business customers only” section in Part 1. Account means any Account asked us to and this will satisfy our obligation to send the Card, statement, we maintain in relation to Cards and to which we charge Transactions. Bank notice or other communication to you. means the Bank you may ask to manage and service your Account on your We may, where we determine it is reasonably necessary, such as where we behalf (see ‘Servicing Bank’), or any entity to whom that responsibility legally suspect fraudulent activity, refuse to act on the instructions of the Bank or passes. Card means any Card or other device that we issue to access your contact you directly to confirm the instructions we have received. Account. A Transaction is any amount added to your Account, such as You may withdraw your consent allowing the Bank to manage purchases or fees. A purchase is a transaction using your Card to acquire your Account at any time by contacting us using the details at goods or services. To pay by a certain date means to send your payment so www.americanexpress.com/eurodollar or shown on the back of your Card. that we receive it and credit it to your Account by that date (see ‘About your Please note that in certain circumstances we may obtain information payments’’). Card Benefits means additional services and benefits provided about you or disclose your personal information to your Bank. You can in connection with a Card other than a Basic Card. find further information about this in the "your personal information" Guarantor means the bank which has provided a form of guarantee or section below. letter of credit to us to support your use of the Card, or any entity to whom that responsibility legally passes. Third Party Nominee • not let others (including a Third Party Nominee) use your Card and Unless we tell you otherwise, we will accept a person authorised by you as regularly check you still have the Card; your Third Party Nominee. • not give your Card, PIN or other passwords to anyone else other than You cannot authorise a Third Party Nominee to make Purchases other than when you are authorising a Transaction and do not let others see them travel and lifestyle bookings made through us using your Account details. when you use them; We may, where we determine it is reasonably necessary, such as where we • not give your Account details to anyone else other than (i) when you are suspect fraudulent activity, refuse to act on the instructions of the Third authorising a Transaction or (ii) to a Third Party Nominee (if applicable) Party Nominee or contact you directly to confirm the instructions we have for the sole purpose of enabling the Third Party Nominee to service your received. Account on your behalf to the extent set out in your Account application You may withdraw or amend the scope of your consent allowing the Third form or other document approved by us; Party Nominee to service your Account at any time by contacting us using • not let an Authorised Third Party Nominee give your Account details to the details at www.americanexpress.com/eurodollar or the number shown anyone else other than as is reasonably necessary to enable them to on the back of your Card. We will assume that a Third Party Nominee is service your Account on your behalf to the extent set out in your Account authorised by you until you withdraw your consent. application form or other document approved by us (for example, making Please note that in certain circumstances we may obtain information about travel and lifestyle bookings through us); or you or disclose your personal information to your Third Party Nominee. You • choo se a PIN or password that is not easy to guess. can find further information about this in the "your personal information" You must tell us immediately by telephone on +44 (0)1273 868900 or the section below. number shown on the back of your Card if you suspect: • a Card has been lost or stolen or not received; ABOUT USING YOUR CARD • someone else knows a Card PIN or other security code; or • your Account or Card is being misused or used without your authorisation, Using your Card or a Transaction on your Account has not been authorised or has been You may use your Card, subject to any restrictions set out in this Agreement, processed incorrectly. to pay for goods and services from merchants who accept the Card. Once you have told us about any of the above, we will cancel the Card If permitted by the merchant, you may return to the merchant goods or and a replacement Card will be issued. You will not be responsible for any services obtained using your Card and receive a credit to your Account. unauthorised Transactions incurred before you (or your Bank if you have You may not use your Account for illegal activities or in a manner which asked us to send the Card to your Bank) receive the Card which was used. disguises the true nature of the Transaction. Your maximum liability for an unauthorised Transaction is £50 (or the We may issue you with Cards to replace your existing Cards (including equivalent value in US Dollar or Euro) unless you or a Supplementary different types of Cards). Cards will have an expiry date and you must Cardmember: destroy expired Cards in a way that means they cannot be used (e.g. by • allowed someone else to use your Card; cutting them into pieces or returning them to us). If your Card is cancelled • allowed someone else (other than a Third Party Nominee as is reasonably or suspended for any reason, all other Cards issued on your Account may necessary to enable them to service your Account on your behalf to the be cancelled or suspended at the same time. extent set out in your Account application form or other document approved by us) to use your Account; Promise to pay • failed to keep your Card, Account details, PIN or other passwords safe; or Subject to the 'Theft, Loss or Misuse of the Card or Account and errors' • with intent or gross negligence, failed to comply with these terms and section of the Agreement, you promise to pay all Transactions, including: conditions, in which case you may be responsible for all unauthorised • Transactions you authorise, even if you do not present your Card or sign for Transactions which occur before you tell us you suspect your Account the transaction; is being misused. If you act dishonestly, you will be responsible for • Transactions that other people authorise if you let them use your Account all Transactions. (including a Third Party Nominee, if applicable); and You must always check each statement for accuracy when you receive it. • Transactions that Supplementary Cardmembers authorise or permit You must still do this even if you have asked us to send statements to your others to authorise. Bank. If you contact us to dispute a Transaction promptly (and no later than Authorising and declining Transactions 13 months from the date of the Transaction) we will immediately refund or You authorise a Transaction when you use your Account by presenting or suspend the Transaction, including any applicable charges. We may ask providing a Card, the Card details or Account details and, if required for you to confirm in writing that you did not authorise the Transaction. If we the Transaction, entering any Card PIN, password, personal identifiers or later discover that you were not entitled to a refund, we will reapply the following any other set of procedures. Transaction and any applicable charges. Transactions can be authorised in this way for a single Transaction taking However, if we have a good reason to think that you have acted dishonestly place at the time of authorisation, for a payment to be made at a future or have acted deliberately or been grossly negligent in failing to keep your date, or for a series of Transactions occurring in the future. Depending upon Card, Account details, PIN or other passwords safe, we will initiate an the terms with the merchant, by authorising Transactions in this way, you inquiry before providing a refund and we may suspend the Transaction. may also authorise the merchant to take a Card payment at future times if We will complete our investigations as soon as possible and once they are the original payment failed. complete we will, if necessary, adjust your Account accordingly. If you did not authorise the Transaction at the time, you can later confirm If there are errors in a Transaction and this is our fault, we will reverse your authorisation for it. the Transaction and restore your Account. We may then resubmit the If you authorise a Third Party Nominee to use your Account details, we correct Transaction. will treat such Transactions as if requested and authorised by you. We will Transactions for unexpected amounts not be responsible for any losses you suffer as a result of us acting on the If you make a Transaction at a merchant within the European Economic instructions of your Third Party Nominee (if applicable) with respect to Area and, at the time that you authorised it, you did not know the amount of travel and lifestyle bookings made though us. the Transaction, you can request a refund from us if the amount charged is You can only cancel future dated Transactions, or Transactions that are part more than you reasonably expected. of a series, if you cancel them by the end of the working day before they are You must request the refund within 8 weeks from the date of the statement due to be processed. on which the Transaction appears. We may decline to authorise a Transaction on reasonable grounds. Reasons You will need to provide us with all the information we reasonably ask for we may do this include suspected unauthorised or improper use, fraud, and we may provide this information to third parties investigating your technical difficulties, a requirement by law, a court or other competent claim. We will conclude our investigations within 10 business days of us authority, our assessment of your creditworthiness, if the use of the Card receiving all required information and either make the refund (normally would be prohibited, or because certain types of Transactions are not adjusting your Account) or tell you why we have refused your claim. available (including if the Transaction would exceed a Transaction limit of some sort). This may occur even if your Account is not in default. If we do, ABOUT YOUR PAYMENTS you will normally be told at the point of sale, but you may not be. In all cases, you can find out about Transactions we have refused or any other restrictions How to make payments imposed on your Card by calling us using the number on our website Payments can be made by any method set out on your statement or any (www.americanexpress.com/eurodollar) or shown on the back of your Card. method we otherwise tell you (following the instructions we give you). We are not responsible for any losses you incur if we do not authorise a If you hold a US Dollar Card you must pay us in US Dollars, if you hold a Euro Transaction and we are not responsible if any merchant refuses to accept Card you must pay us in Euros and if you hold a Sterling Card, you must the Card. pay us in British Pounds Sterling. If you pay in another currency to the one Theft, Loss or Misuse of the Card or Account and errors stated above, we may refuse to accept the payment. If we do accept it, we Keep your Card safe and don't let anyone else use it. This means you must: will change it into the correct currency at the standard rate we set on the • sign the Card (if applicable) and keep the Card in your possession and date we receive the payment unless the law requires us to use a particular secure (including using device passcodes where applicable); rate. In this case, or if you pay using a cheque drawn on a bank account outside of the UK, there may be a delay before the payment is credited to Ending your Agreement your Account. We may impose additional charges for converting payments This Agreement is open ended and has no fixed duration. It will continue including any currency conversion cost incurred by us. until you or we close the Account in accordance with this Agreement. You must make a separate payment for each Account you hold with us. If You may end this Agreement at any time by calling us or writing to us with you send payments together and do not clearly designate the Account to be 30 days' notice. paid, we may apply payments to any Account. We may end this Agreement immediately if you are in default (see We will credit payments to your Account as of the day we receive the funds, 'About Default'). as long as we receive them within our business hours that day. If we receive We may also end this Agreement by giving you at least two months' written it after that time, we will credit the payment on the day after we receive it. notice without any explanation being required. We will always follow If your payment does not meet the instructions set out in your statement, any legal requirements to provide you with notices before we end the there may be a delay in crediting your Account. This may result in late fees Agreement. (see 'Fees'). We may charge your Account for any reasonable costs we incur. The Agreement will only come to an end once you have paid off all amounts Any time periods for making your payment to us that we may provide are you owe us. Until this time, all of the terms of the Agreement will continue to estimates only and are dependent on the payment system and service apply (including our right to change the terms of the Agreement), but you provider you choose to make payment. You must allow sufficient time for us to will have no rights under it to use the Account to make Transactions and you receive funds by the Payment Due Date. Third parties (including Banks) who will not be entitled to any benefits that are included with it. send us or process your payment on your behalf are not our agents and their When either of us ends the Agreement you must: receipt of a payment will not be treated as the time we receive your payment. • on demand pay off all amounts owing on your Account, including those not If we process a late payment, a partial payment or a payment marked with yet billed; any restrictive language (such as in full and final settlement), that will have • de stroy all Cards and stop using your Account; and no effect on our rights (e.g. to recover the full balance owing) and will not • inform merchants not to seek to take any further Transactions from change this Agreement. your Account. Although we may credit your Account with a payment, we reserve the right Any annual fee paid in advance in respect of the remaining part of the to reverse the payment if it is returned or dishonoured for any reason. year in which your Account is closed will be returned to you pro-rata How we apply payments and credits taking into consideration the length of time until the start of your next We will normally apply payments to the outstanding transactions on your membership year. Account in the order that they were billed. Cancelling or suspending your Account We will apply payments in the following order of priority: We may: • applicable Cardmembership fees; • immediately cancel or suspend your Account (i.e. permanently or • service charges; temporarily stop you and/or a Supplementary Cardmember from using • late payment fees; a Card or the Account to make any Transactions and prevent you from • other purchases and cash; accessing any services offered under this Agreement); • fees charged by us that appear as a separate item on your monthly • c ancel or suspend any feature on your Account; or statement, for example, returned payment fees, statement copy fees; • withdr aw or not reissue any Card. • collection charges; and If we do any of these, you must still pay us for all Transactions under the • charges, such as Transactions, that have not yet appeared on your terms of this Agreement. We may also notify merchants that your Account monthly statement. has been cancelled or suspended. We may do any of these things for security reasons, in the event you default, OTHER IMPORTANT INFORMATION if we suspect unauthorised, improper and/or fraudulent use or because there is a significantly increased risk that you will not be able to repay and About Supplementary Cardmembers on time (for example, if you die or are made bankrupt or any guarantee At your request, we may issue Cards to Supplementary Cardmembers. support given by a Guarantor is withdrawn). We will normally notify you They do not have accounts with us but they can use your Account subject to beforehand or immediately afterwards and may provide you with the the terms of this Agreement. reasons. Supplementary Cardmembers on American Express Business Cards are If your Account is managed by your Bank, we may still cancel or suspend it jointly and individually liable with you and the Business to pay to us when for the reasons set out above even if your Bank informs us that we do not due all charges on the Account made by the Supplementary Cardmember need to do so. In particular, we may still contact you directly to query any see “Business customers only” section in Part 1. unusual or suspected fraudulent Transactions even if your Bank manages We may limit the number of Supplementary Cardmembers allowed on your Account. your Account. If your Account is cancelled or suspended, you must not use your Cards You are responsible for all use of your Account by Supplementary and, if cancelled, must destroy them. Cardmembers and anyone they allow to use your Account. We may agree to reinstate your Account after we have stopped you You are responsible for ensuring that Supplementary Cardmembers from using it if the reasons we restricted your Account in the first comply with this Agreement, particularly as it deals with using or dealing place are no longer present. You can tell us this is the case and request with a Card or authorising Transactions. reinstatement by calling us on the number shown on our website Please see the 'Business customers only' section in Part 1 in relation to the (www.americanexpress.com/eurodollar) or on the back of your Card. If we liability of the Business on an American Express Business Card. do this, we may: If you want to cancel a Supplementary Cardmember's right to use your • reinstate any Cards issued on your Account; and Account (and cancel their Card) you can tell us to do so using the contact • charge you any applicable Cardmembership fees. details on our website (www.americanexpress.com/eurodollar) or by calling the number on the back of your Card and the Supplementary About default Cardmember's ability to make Transactions will immediately end. We may consider your Account to be in default if: Converting Transactions made in a foreign currency • you seriously or persistently fail to comply with this Agreement; • you give us false or misleading information; If you or a Supplementary Cardmember makes a Transaction in a currency • steps are taken to make you bankrupt or to make you the subject of any other than the currency of your Card, it will be converted into the currency form of debt relief process or to commence insolvency proceedings; of your Card on the date it is processed (which may be different to the date • you default under another agreement you have with us or an affiliate; of the Transaction). If you hold a Euro Card or Sterling Card and the foreign • you become incapacitated or die; or currency Transaction is not in US Dollars, it will first be converted into US • we have reasonable grounds to believe you are unable or unwilling to pay Dollars and then into Euros or British Pounds Sterling, as applicable. your debts when due. However, only one Foreign Exchange Fee will be payable. Please note that we consider it to be a serious breach if you fail to make a Unless a particular rate is required by law, conversion rates will be used payment in full or on time. which are based on interbank rates selected from customary industry Missing payments could mean you have to pay additional charges or costs, sources on the business day prior to the processing date (called the your credit rating may be affected making obtaining credit more difficult 'American Express Exchange Rate'). This rate may differ from rates that are or expensive, legal action may be taken against you, an application may be in effect on the date of your Transaction. Fluctuations can be significant. made to make you bankrupt, or, if we obtain a charging order, we may obtain If Transaction amounts are converted by third parties prior to being an order for sale which could lead to your home being repossessed. submitted to us, any conversions made by those third parties will be at rates and may include a commission selected by them. Sending you statements, notices and other communications The American Express Exchange Rate is set daily. For Cardmembers whom have We will provide you with or make available to you statements relating to enrolled for online Account services at www.americanexpress.com/eurodollar, your Account at least once a month if there has been any Account activity the rate can be viewed using the foreign transaction calculator accessed and otherwise once every 12 months. This may include sending statements through your online Account. Alternatively, the rate can be found by calling to your Bank if you have instructed us to do so. us on +44 (0) 1273 868 900 or the number shown on the back of your Card. In addition to payment information, each statement will show Contactless payments all Transactions made using Cards in the statement period, the Cards issued on your Account may be equipped to enable contactless outstanding balance, the payment due, the Payment Due Date and any payments. Contactless payments enable you to make Transactions simply American Express Exchange Rate used in the conversion of a foreign by holding your Card against a Card reader without having the Card swiped currency Transaction and the Foreign Transaction Fee. or imprinted. We may deactivate contactless payments at any time. Statements might also contain important information about the Card or associated services and benefits (for example, preferred seating or Assigning the Agreement promotional offers available to you as an American Express Cardmember). We may sell, transfer or assign this Agreement and your Account. We may If you are registered for our online account centre, this information might do so at any time without notifying you, unless we are required to notify also be displayed on web pages associated with your online services. you by law. You may not sell, assign or transfer your Account or any of your You must always check each statement for accuracy and contact us obligations under this Agreement. immediately if you need more information about a Transaction on any Set off statement or if you think that any Transactions were not authorised by We may, at any time, as a continuous right, without notice or demand, set you. You must still do this even if you have asked us to send statements to off against any credit on your Account any amount due by you to us on any your Bank. other Account (in whatever currency) you have with us, until your liability for We reserve the right to make some Account data available to you on request the amount owed is fully satisfied and discharged. once a month. If we do, we will notify you in your statement. If you enrol in online statements or you agree in another way to receive Complaints about us electronic notices from us, you agree that we will send you statements and If you have a complaint about your Account or the service you have other notices to the last email address you provided to us, by posting them received, please contact us by writing to us at our address which is to our secure website address or by making them available to you in any currently ICC Executive Office, Department 333, 1 John Street, Brighton, other lawfully permitted manner. BN88 1NH, United Kingdom (or the address shown on our website at If you have not enrolled for online statements (and sometimes even if you www.americanexpress.com/eurodollar) or by calling us on +44 (0) 1273 have) we will send you statements and notices by post addressed to you at 868900 or 0800 0327291 (or the number on the back of your Card). the latest billing address on our records. If you are unable to resolve your complaint with us and have received a We may stop sending you paper statements, so make sure you regularly final response from us confirming this and you are not a business check this information and any mail we send to you electronically in the customer, you have a right to refer it to the Financial Ombudsman same way you would written mail. Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. We may send you alerts, important messages and other communications If you are a business customer you may have a right to refer it to about your Account by email, by SMS or by posting them securely the Financial Ombudsman Service. on our website as explained in further details in the ‘your personal We are authorised and regulated to provide payment services by information’ section. the Financial Conduct Authority authorisation number: 415532. Their 'Notices' referred to above includes all notices or information we are address is 25 The North Colonnade, Canary Wharf, London E14 5HS. required or choose to send you, including about changes to the Agreement. Claims against merchants We may send you notices on or together with your statements or via email. If you dispute a Transaction with a merchant, we may credit the Account for Changing your contact details all or part of the disputed Transaction. You must notify us immediately in writing or by calling us on the number If we do so, whether we were legally required to make the refund or not, you shown on our website (www.americanexpress.com/eurodollar) or at the and any Supplementary Cardmembers agree that you are automatically back of your Card if you change your name, telephone number, your main deemed to assign and transfer to us all rights and claims (excluding tort residential address and/or country of residence or the mailing address or claims, such as negligence) against the merchant. email address to which we send statements or notices. If we have been You agree that you will not pursue any claim against the merchant for the unable to deliver any statements or other communications or these have credited amount, and you must cooperate with us if we decide to do so. been returned, we may stop attempting to communicate with you until We do not waive our rights we receive accurate contact information. We are not responsible for any We may choose to delay enforcing or to not exercise rights under this failure to receive any communication (including a statement) if we send it Agreement. If we do this, we do not waive our rights to exercise or enforce to the address or if we do not send the communication because previous them on any other occasion. communications have been undeliverable. If you have more than one Account, you need to notify us separately for Language and Governing law each Account. We may update your contact details if we receive information This Agreement and all communications between us concerning this that they have changed or are incorrect. Agreement shall be in English. Card Benefits, additional services and other products This Agreement and dealings between us before you enter into the Agreement are governed by the laws of England and the courts of England For all Cards other than the Basic Card, we may make additional services shall have non-exclusive jurisdiction over us and you. or discretionary benefits associated with your Account available to you and we will communicate with you in relation to these services and benefits. Taxes, duties and exchange control Examples of Card Benefits may include discretionary insurance benefits, You must pay any government tax, duty or other amount in any currency as assistance services, rewards programs, free Supplementary Cards and imposed by law (which may be different from the currency of your Account) merchant offers. The Basic Card does not include Card Benefits. These may in any country in respect of the Card, any Transaction on your Account or be provided under separate contractual agreements and we may change any use of the Account by you or any Supplementary Cardmember. We may these services or benefits (see 'Changing the Agreement'). We may receive (if required by law) pay such tax, duty or other amount on your behalf and compensation from additional service providers and our compensation debit the respective amount from your Account. may vary by provider and product. Limitations on our liability We will provide details of these additional services and benefits when you If we break this Agreement, we will not be liable to you for losses and costs apply for your Card and in other documentation we send to you, such as in caused by abnormal or unforeseeable events, that we cannot reasonably welcome packs and communications about your benefits. control and which would have been unavoidable despite all reasonable We or our affiliate group companies may also tell you about other efforts to prevent the event happening. insurance and non-insurance products or services that we think may be of interest to you, but are separate to your Account, in accordance with your PRIVACY STATEMENT marketing preferences. We or our group companies may act on behalf of a provider of any of these products. The products are not sold by us on our behalf and we will What is this document? not be acting as an agent for you (although they may be sold by our group This privacy statement describes how American Express collects, uses and companies). These are not compulsory products. shares information about you. We or our group companies may receive commission for selling any of these If you interact with us online, there is a separate Online Privacy Statement services, benefits or products to you. We or our group companies may also available at www.americanexpress.com/eurodollar that describes how get additional commission when Amex Assurance Company or another we collect and use information about you in that context, including where group company is the insurer or reinsurer. Commission may influence what online information is combined with personal information which is collected products and providers we or our group companies tell you about. as described in this privacy statement. If products or services carry a separate fee, this may be charged to Information Collected your Account. We will collect information about you, including your financial and business Services and benefits that are provided by third parties are subject to circumstances (Personal Information) from: the terms and conditions set by the third party and any dispute must be • your Card Account (Account) application form and other forms you settled directly with the third party unless you have a legal claim against us. provide to us; • your Bank, for credit assessment purposes and / or when you have • conducting testing (when we update our systems), data processing, instructed your Bank to manage your Account on your behalf. The website administration and information technology systems support and information we collect may include details of any missed payments on any development; accounts held with your Bank; • conducting market research including to give you the opportunity to • a Guarantor. The information we collect may include details of your provide feedback, ratings or reviews of our products and services, and desired spending limits; those of our Business Partners, including through transaction experience • checks at credit reference agencies and fraud prevention agencies; surveys; and • you, in order to manage your Account and through the way you use your • producing data analytics, statistical research and reports including on an Account and our other services including transactions made using your aggregated basis. Account with merchants or ATM operators; Advertising and marketing our products and services, and • surveys and statistical research; and those of our third party business partners (business partners) • third parties, such as in marketing lists which we lawfully obtain. We may also obtain Personal Information from the parties listed in the This will include any of the following (with your consent, where necessary): 'Information Disclosed' section below. • sending you promotions and offers by email, SMS, direct mail and through telemarketing in accordance with your marketing preferences; Information Disclosed • per sonalising our communications and offers for you; and We may disclose Personal Information (which may include details of • det ermining whether you would be interested in new products or services. goods and/or services you purchase and any aspects of your Membership We do not provide your contact details to our third party business Rewards Programme) to: partners without your consent. However, we may send you offers on • companies within the worldwide American Express group of companies their behalf. Keep in mind that, if you take advantage of an offer from a (our group), third parties who process transactions submitted by business partner and become their customer, they may independently merchants on the American Express network where you use your send communications to you. In this case, you will need to inform them Card (worldwide); separately if you wish to decline receiving future communications • your Bank, including to provide updates on the progress of your from them. applications for our products or to answer servicing queries. We might Managing risks relating to our business, including credit risk, also disclose Personal Information because your Bank has provided a guarantee to support your desired spending limit, if you default on the fraud risk and operational risk terms of your Account, or in the event of a merger or amalgamation of This will include: your Bank; • making decisions about how we manage specific customers’ accounts, • a Guarantor (whom is not your Bank) to provide updates on the guarantee such as determining your spending limit (where relevant) and whether to amount we require to support your preferred spending limit. We may also approve individual transactions; disclose to your Guarantor information concerning default on the terms of • developing risk management policies, models and procedures used in the your Account and the cancellation or suspension of your Account; management of customers’ accounts and our business generally; and • parties who distribute the Card; • reporting information to and receiving information from credit reference • an y other co-branded partner as set out in the Account application form; agencies and fraud management agencies. • any party approved by you (including any Supplementary Cardmembers, Supplementary Cardmembers and Third Party Nominees Third Party Nominees or any entity or individual whom has referred your The provisions of this privacy statement also apply to any Supplementary Account application form to us); Cardmember(s) and / or Third Party Nominee(s) approved to use your • our processors and suppliers; Account. Where you have approved the issue of a Supplementary Card and • credit reference agencies, for credit assessment purposes (as set in / or Third Party Nominee: further detail below); • you consent to us disclosing to the Supplementary Cardmember and / or • the providers of services and benefits associated with your Account, such Third Party Nominee details about the status of your Account including as Membership Reward programmes and concierge services; details of transactions, the outstanding balance and details of any overdue • collection agencies and lawyers for the purpose of collecting debts on payments; your Account; • you consent to the Third Party Nominee providing us with Personal • local regulators, law enforcement authorities or other government officials Information about you for additional identity authentication purposes if we are under a duty to disclose or share your Personal Information in when they contact us; order to comply with any legal obligation; • you consent to the Supplementary Cardmember providing us with • parties who accept the Card in payment for goods and/or services Personal Information about you for additional identity authentication purchased by you; and purposes when they contact us in relation to the use of their Card • an yone to whom we may transfer our contractual rights. including to activate Cards, to register for on-line services and to access Use of Information enhanced and new services as they are introduced; and We may use Personal Information, including aggregated or combined with • Supplementary Cardmembers and / or Third Party Nominees will not be other information for any of the following purposes: permitted to make any alteration to any of your information or details held unless you have provided us with your express consent for them to do so. Delivering our products and services to you This will include: Third Party Consents • processing applications for our products including making decisions Where you provide us with information relating to a third party (including about whether to approve your application; Supplementary Cardmembers or Third Party Nominee or your • helping us better understand your financial circumstances and behaviour shareholders, directors or other officers), or where you purchase goods so that we may make decisions about how we manage your Account, such and/or services on behalf of a third party, you confirm that you have as the level of the spending limit we offer you; informed and obtained consent, if necessary, of that third party to the • administering and managing your Account including to process processing of his or her information by American Express and third parties transactions you make on your Account; as described in this privacy statement. In respect of Supplementary • communicating with you, including by email and SMS, about any Cardmembers, this may include the use of his or her details for marketing American Express accounts, products, and services which you hold purposes or disclosure to Credit Reference Agencies for fraud prevention (including for the purpose of servicing and by way of account alerts); purposes, as set out in further detail below. • giving you important information about updated and new features and Marketing benefits; We and other companies within our group may: • ans wering questions and responding to your requests; and • have access to and use information about you and how you use your • administering, servicing and managing any benefits or insurance Account to identify goods and services in which you may be interested; programmes provided alongside your Card and to communicate with you • market offers to you (by mail, e-mail, telephone, SMS, via the internet or about these benefits or programmes. using other electronic means) in relation to goods and services which are We may use Personal Information to prepare reports for third party similar to any American Express accounts, products, and services which business partners about Account usage. Reports only contain aggregated you hold that we think you may be interested in; and and anonymised data and we will not disclose any information which • market other offers to you (by mail, email, telephone, SMS or via the identifies you. internet) in relation to other products and services that we think you may Improving our products and services and to conduct research be interested in with respect to your marketing preferences. If you wish to and analysis opt-out of receiving marketing from us and other companies within our This will include: group at any time, please contact us by calling us on +44 (0) 1273 868900 • learning about you and other customers, including your needs, or writing to us at our address which is currently 1 John Street, Brighton, preferences and behaviours; BN88 1NH, United Kingdom (or the address shown on our website). • analy sing the effectiveness of our ads, promotions and offers; We will also, from time to time, contact you to ensure that the information consistent servicing levels (including staff training) and account operation, we hold about your marketing preferences is up to date. to assist, where appropriate, in dispute resolution and to assist us in The information used to develop marketing lists may be obtained from: ensuring we comply with our legal obligations. • the Account application form; International Transfer of Data • transactions made using the Card with merchants; Personal Information may be: • surveys and research (which may involve, where allowed, contacting you • processed outside the UK and EU including in the USA where our main by mail, email, telephone, SMS or via the internet); and operational data centre is located; and/or • from external sources such as merchants or marketing organisations, to • disclosed to or accessed in other countries outside the EU when you the extent permitted by law. travel or make foreign purchases (by mail, email, telephone, or via the Credit Reference Agencies and Fraud Prevention internet or other electronic means), and for the purpose of administering We will exchange Personal Information with credit reference agencies. We your Account. may tell credit reference agencies the current balance on your Account In this case, we will take appropriate steps to ensure the same level of and we may tell them if you do not make payments when due. They will protection for your information in other countries outside the EU, including record this information and it may be shared with other organisations for the USA, where data protection laws may not be as comprehensive as the purpose of assessing applications from you, and applications from in the EU. any other party with a financial association with you, for credit or other Security facilities, for other risk management purposes and for preventing fraud and We use advanced technology and well-defined employee practices to help tracing debtors. ensure that your information is processed promptly, accurately, completely We will carry out credit checks whilst any money is owed by you on your and securely. The processing of your information will be performed by Account (including contacting your bank, building society or any referee manual and automated means. In order to maintain the effectiveness and approved by you). We will carry out further credit checks, including at security of these systems, policies and procedures, we may also from time credit reference agencies, and analyse Personal Information to assist in to time process your information for internal testing purposes. managing your Account and to prevent fraud or any other unlawful activity. These credit reference agency searches will not be seen or used by other Retention of Information organisations to assess your ability to obtain credit. We keep Personal Information for the purposes described in this privacy We will check your details with fraud prevention agencies. If false or statement for as long as is appropriate to fulfil our legal obligations in inaccurate information is provided by you and we suspect any unlawful accordance with applicable law. activity such as fraud or fraud is identified, this will be recorded, and we may Access to your Information pass details to fraud prevention agencies. Law enforcement agencies may access and use this information. You have the right to request a copy of the information that we hold about We and other organisations may also access and use this information to you. If you would like a copy of some or all of your Personal Information prevent fraud and money laundering, for example, when: please write to us at the address below in the 'Query or Complaint' section • checking details on applications for insurance, credit and credit related or of this privacy statement. There may be a small charge for this, as permitted other facilities; by law. • managing credit, credit related accounts or facilities, and insurance policies; Correction of Inaccurate Information • recovering debt; If you believe that any information we hold about you is incorrect or • checking details on applications, proposals and claims for all types of incomplete you may ask us to correct or remove this information from insurance; or our records. You can do this by calling us on +44 (0) 1273 868900 (or the • checking details of job applicants and employees. number shown on the back of your Card) or writing to us at our We and other organisations may access and use from other countries the address which is currently American Express Services Europe information recorded by fraud prevention agencies. Limited, 1 John Street, Brighton, BN88 1NH, United Kingdom (or You are entitled to access your personal records held by credit and fraud the address shown on our website). Any information which is prevention agencies. If you wish to do this, or to receive details of the found to be incorrect or incomplete will be corrected promptly. relevant UK fraud prevention and credit reference agencies, please write to us at the following address and we will supply the names and addresses Changes to this privacy statement of the agencies we have used: American Express Services Europe Ltd, 1 We may change any provision of this statement at any time. We may inform John Street, Brighton, BN88 1NH, United Kingdom (or the address shown you in advance of any such change in accordance with the "Changes" on our website at www.americanexpress.com/eurodollar). section of the agreement governing use of your Card. Electronic or telephone communications Query or Complaint If you contact us by any electronic means, we may record the telephone In the event of any query or complaint in connection with the information number or internet protocol address, associated with that means of we hold about you, please write us at our address which is currently ICC contacting us at the time. You can find additional information about the Executive Office, Department 333, 1 John Street, Brighton, BN88 1NH, information that we collect via electronic means in our Online Privacy United Kingdom (or the address shown on our website at Statement available at www.americanexpress.com/eurodollar. www.americanexpress.com/eurodollar) or by calling us on We may monitor and/or record your telephone calls to us, or ours to you, +44 (0) 1273 868900 (or the number on the back of your Card). either ourselves or by reputable organisations selected by us, to ensure Cardmembership Fee Schedule Cardmembership Fee Applicable Fee (unless otherwise notified to you when you which may comprise Your Card apply for a Card) the following fees: US Dollar Cards US$ Euro Cards € Sterling Cards £ American Express Charge Card – Basic Card US$0 €0 £0 Annual Cardmembership Fee American Express Charge Card – Green Card US$100 €100 £60

American Express Charge Card – Gold Card US$300 €300 N/A

American Express Charge Card – Platinum Card US$550 €550 £450

American Express Charge Card – US$100 €100 N/A Green Business Card American Express Charge Card – US$300 €300 £95 Gold Business Card American Express Charge Card – Centurion Price upon application Price upon application Price upon application Card (application only by invitation) American Express Charge Card – Centurion Price upon application Price upon application Price upon application Joining Fee Card joining fee (application only by invitation) American Express Charge Card – Green Card US$50 €50 £17.50 Supplementary Cardmembership Fee American Express Charge Card – Gold Card US$100 €100 N/A American Express Charge Card – Platinum Card US$275 €275 £170 American Express Charge Card – US$55 €55 N/A Green Business Card American Express Charge Card – US$100 €100 £35 Gold Business Card American Express Charge Card – Centurion Price upon application Price upon application Price upon application Card (application only by invitation)

American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and is authorised and regulated by the Financial Conduct Authority. Where American Express Services Europe Limited cards are issued in the UK but obtained within the European Economic Area, local rules may apply to the way that it conducts its business which can be enforced by that country's applicable regulatory authority. 06/15 American Express® Card Benefits Membership Rewards® Terms and Conditions for Customers holding a Euro or Dollar International Currency Card product

What is this document? Once you have asked us to redeem your Points this is non reversible. These Terms and Conditions govern the Membership Rewards programme Points are not redeemable for cash or a credit to your Card Account, except (Programme) associated with your card account (Card Account). When as set out in these Terms and Conditions. you sign the agreement for your Card Account, you agree to be bound by There may be some addresses to which certain rewards may not be able to these Terms and Conditions. These Terms and Conditions will be effective be shipped. when we accept your Card Account application. If you hold a Business Card Servicing Bank you can be enrolled in the Programme unless your employer has decided If you have told us that a Bank will be servicing or managing your Card not to participate. Account (on your behalf) (Bank), you agree that we can accept instructions from your Bank in relation to your participation in the Programme and ENROLMENT AND FEES that you will be bound by such instructions. This does not mean that it is no longer your responsibility to carry out your obligations under these If you have a Business Card or you have a Green Charge Card, you may Terms and Conditions, so references to ‘you’ or ‘your’ still include you the enrol in the Programme free of charge for your first year after you open your Cardholder, even though your Bank may do certain things on your behalf. Card Account. For each year that you wish to participate in the Programme We are still allowed to contact you directly if necessary including where the after that, you will be charged an annual fee of US$/€36 including VAT. Bank is unable to manage your Card Account. This will be applied to your Card Account as a purchase transaction on the When we need to send you a notice or other communication, you agree that first day of the month during which you initially enrolled in the Programme. we will send this to your Bank if you have asked us to, and this will satisfy our You may also end these Terms and Conditions and exit the Programme at obligation to send the notice or other communication to you. any time. Please see the What happens if you end your Card Account? We may, where we determine it is reasonably necessary, such as where we section below in relation to what happens to your points when you exit suspect fraudulent activity, refuse to act on the instructions of the Bank or the Programme. contact you directly to confirm the instructions we have received. You may withdraw your consent allowing the Bank to manage your Card ABOUT EARNING POINTS Account in accordance with the Card Account agreement. If you do so, the Bank will no longer manage your participation in the Programme. How you earn Points Please note that in certain circumstances we may obtain information about You earn 1 Point for each US$/€ of eligible spend on your Card Account. you or disclose your personal information to your Bank. You can find further The number of Points per US$/€ is referred to as your Earn Rate and will information about this in the “your personal information” section in your be shown on your Card Account statement. From time to time, we may Card Account agreement. permit you to earn more Points per eligible US$/€ for certain purchases Third Party Nominee with particular retailers and we may contact you about this to ensure that Unless we tell you otherwise, we will accept a person authorised by you as you can benefit from the Programme (as explained in the ‘About additional your Third Party Nominee (a person (including an attorney) whom you have benefits and other products’ section of the agreement for your Card told us is authorised by you to service your participation in the Programme Account). on your behalf (to the extent set out in your Card Account application form We will maintain a Points Account for you. Points are earned on every full or other document approved by us) and whom we have accepted to do so). eligible US$/€ spent in each purchase and will be added to your Points This does not mean that it is no longer your responsibility to carry out your Account. We will tell you the balance in your Points Account on your Card obligations under these Terms and Conditions, so references to ‘you’ or Account statement. ‘your’ still include you the Cardholder, even though the Third Party Nominee The value of each purchase will be rounded down to the nearest US$/€ may do certain things on your behalf. before Points are calculated. We may, where we determine it is reasonably necessary, such as where Supplementary Cards issued on your Card Account will also earn Points. we suspect fraudulent activity, refuse to act on the instructions of the Linked Cards Third Party Nominee or contact you directly to confirm the instructions we If you have more than one Card (as the main Cardholder) enrolled in the have received. Programme, you can ask that they are ‘linked’ in order that Points earned You may withdraw your consent allowing the Third Party Nominee to on all your Cards will go into the same Points Account (Linked Cards) service your participation in the Programme at any time by contacting us provided that they are billed in the same currency and are all enrolled in the using the details at www.americanexpress.com/eurodollar or the number Programme. shown on the back of the Card issued with your Card Account. We will We reserve the right to de-link your Cards at any time and we will tell you assume that a Third Party Nominee is authorised by you until you withdraw before we do. your consent. Points earned on your Business Card shall accrue into your own Points Please note that in certain circumstances we may obtain information about Account and not into any account of your employer. you or disclose your personal information to your Third Party Nominee. You can find further information about this in the “your personal information” Which Card Account balances do not earn Points? section in your Card Account agreement. No Points will be earned on: • interest, fees, balance transfers, cash advances (including transactions Redeeming Points for goods, gift cards, transfer partners and treated as cash), loading of pre paid cards, American Express Travellers donations to charities Cheque purchases or foreign exchange transactions; and You can redeem Points for goods, gift cards, transfer partners (hotels • any amounts that are subsequently re-credited to your Card Account by & airlines) and donations to charities we make available to you through way of refunds. the Programme. You should check the Terms and Conditions that are given to you with ABOUT REDEEMING POINTS these rewards for important conditions such as expiry dates and any refund policies. How do you redeem Points? Transferring Points to Point Transfer Programmes The rewards and ways to use your Points are subject to change. You can opt for some or all of your Points to be added to a separate account Those available to you at any time will be shown on our website at with a specific airline or hotel (called a Point Transfer Programme). You www.americanexpress.com/eurodollarrewards. We may contact you with can ask us to transfer Points to your Point Transfer Programme on our other offers from time to time. website or by contacting Customer Services. You can also call Customer Services using the number on the back of your Card. To be able to do this, you must first link your Points Account to the Point Supplementary Cardholders will not be able to redeem Points on your behalf. Transfer Programme account in your name. We will tell you how to do this Below we set out the different types of ways that you can generally redeem when you contact us. your Points. Visit our website at www.americanexpress.com/eurodollarrewards for In order to redeem Points, please visit our website or call Customer more information on transferring Points to Point Transfer Programmes. Services. You will be unable to redeem Points for as long as you are 90 days Travel bookings or more late in making payment on your Card Account. Once your Card You can redeem Points for travel booked through American Express Account is up to date and provided it has not been cancelled, you will be Travel Services. able to redeem Points again. If you redeem Points for travel, you are responsible for taxes, booking fees, OTHER IMPORTANT INFORMATION airport fees, insurance premiums, and any other service fees and charges relating to a travel booking. Changes to these Terms and Conditions Please note, the travel insurance benefits that you may have as part of your We may change these Terms and Conditions, including the Earn Rate, Card benefits may not cover the travel booked with Points. Please see the provided that we reasonably believe the overall benefits associated with Terms and Conditions of any Card travel insurance benefits for full details. your Card Account still represent good value and are competitively priced. Concierge bookings We will give you at least 30 days’ notice. If the change is not to your You can redeem Points for concierge services through American Express disadvantage, we will still tell you about it but may make the change sooner. Concierge if your Card allows this service. All concierge bookings are We will give you notice by statement message, post, email or other form of subject to availability. electronic communication. Ending these Terms and Conditions WHEN YOU MIGHT LOSE POINTS We may end these Terms and Conditions if we cancel or end your Card YOU HAVE EARNED Account in accordance with the Card Account agreement. We may also end these Terms and Conditions by giving you at least 30 days’ notice without any explanation being required, provided that we Losing your Points reasonably believe the overall benefits associated with your Card Account If you are 90 days late in making your payment on your Card Account, your still represent good value and are competitively priced. This could include Card Account may be cancelled by us. If we cancel your Card Account, the changing your Card Account to a different product in accordance with the Points you have earned will be forfeited and taken away from the balance of Card Account agreement or replacing these Terms and Conditions with a your Points Account (this will result in a zero Points balance). new set of Terms and Conditions that cover different benefits. You will start earning Points again from each statement date but they will Claims against rewards providers continue to be forfeited whenever the relevant monthly payment is not made. We are not liable for claims regarding any failure or breach with respect What happens if you end your Card Account? to goods and services provided as rewards by third parties. Third party If you end your Card Account and there are no other Linked Cards on your rewards may also be subject to separate Terms and Conditions. Points Account or if you hold a Business Card and your employer requests Language and governing law that your participation in the Programme is cancelled, or if you end these Terms and Conditions, you will have 90 days from the date you request These Terms and Conditions and all communications between us this to redeem your Points. Unless you hold a Business Card, you can also concerning these Terms and Conditions shall be in English. transfer them to another Points Account, including transferring to a Points These Terms and Conditions and dealings between us before you enter into Account held by someone else (for a fee that we will inform you of at the these Terms and Conditions are governed by the laws of England and the time). If you do not transfer or redeem your Points within 90 days, they will courts of England shall have non-exclusive jurisdiction over us and you. be forfeited. Taxes, duties and exchange control If you end your Card Account and leave at least one other Linked Card in the You must pay any government tax, duty or other amount (excluding VAT or any Programme open, you will continue to earn Points in your Points Account analogous sales tax charged by a third party provider of rewards in respect of with those Linked Cards. the purchase price of such rewards) imposed by law in any country in respect What happens if we cancel or end your Card Account? of these Terms and Conditions and any rewards you benefit from. VAT (and If we cancel or end your Card Account in accordance with the Card Account any analogous sales tax) will be taken into account by us when determining agreement, you will lose the Points that you have earned but not yet the number of Points which are required for redemption for a reward. redeemed, unless you have another Linked Card in the Programme. Where a tax invoice (for VAT or analogous sales tax) is required to be provided by a third party provider of rewards to you in connection with the redemption of a reward, the third party supplier will provide this invoice to us.

American Express® Card Benefits Membership Rewards® Terms and Conditions for Customers holding a STERLING International Currency Card product

INTRODUCTION We will maintain a Points Account for you. Points are earned on every full pound spent in each purchase and will be added to your Points Account. What is this document? We will tell you the balance in your Points Account on your Card Account These Terms and Conditions govern the Membership Rewards programme statement. (Programme) associated with your card account (Card Account). When The value of each purchase will be rounded down to the nearest pound you sign the agreement for your Card Account, you agree to be bound by before Points are calculated. these Terms and Conditions. Supplementary Cards issued on your Card Account will also earn Points. Linked Cards ENROLMENT AND FEES If you have more than one Card (as the main Cardholder) eligible to be enrolled in the Programme, you can ask that they are ‘linked’ in order If you have a Green Charge Card, for each year that you participate in the that Points earned on all your Cards will go into the same Points Account Programme, you will be charged an annual fee of £24 including VAT. This (Linked Cards) provided that they are billed in the same currency. will be applied to your Card Account as a purchase transaction the day after We reserve the right to de-link your Cards at any time and we will tell you you initially enrol in the Programme and on or shortly after the anniversary before we do. of that date each year. You may exit the Programme, and the agreement governed by these Terms and Conditions, at any time. Please see the Which Card Account balances do not earn Points? What happens if you end your Card Account? section below in relation to No Points will be earned on: what happens to your points when you exit the Programme. • interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of pre paid cards, ABOUT EARNING POINTS American Express Travellers Cheque purchases or foreign exchange transactions; and How you earn Points • any amounts that are subsequently credited to your Card Account by way of refunds or other types of credits. You earn a set amount of Points for each pound of eligible spend on your Card Account. The number of Points per pound is referred to as your Earn Rate and will be shown on your Card Account statement. From time ABOUT REDEEMING POINTS to time, we may tell you about promotional Earn Rates or permit you to earn more Points per pound for certain purchases or other forms of promotion How do you redeem Points? relating to the earning of Points. We may contact you about this to ensure The rewards and ways to use your Points are subject to change. Those available that you can benefit from the Programme (as explained in the ‘About to you at any time will be shown on our website at membershiprewards.co.uk. additional benefits and other products’ section of the agreement for your We may contact you with other offers from time to time. Card Account). You can also call Customer Services using the number on the back of your Card. Supplementary Cardholders will not be able to redeem Points on your behalf. Below we set out the different types of ways that you can Redeeming Points for credit generally redeem your Points. In order to redeem or purchase Points, please You can redeem Points for a credit to your Card Account. A Points visit our website or call Customer Services. conversion rate will apply which we will tell you when you contact us to You will be unable to redeem Points for as long as you are late in making arrange the redemption or you can find it on our website. payment on your Card Account. Once your Card Account is up to date and The credit will appear on your Card Account approximately three days after provided it has not been cancelled, you will be able to redeem Points again. you have asked us to redeem the Points. You can purchase extra Points up to a maximum of 10,000 per year. You You cannot redeem Points for credit if you already have a credit balance must purchase Points in increments of 1,000 Points with a minimum on your Card Account or if you are late in making payment on your purchase of 1,000 Points. If you want to purchase Points, we will provide the Card Account. purchase cost when you contact us. We may impose different maximum If you redeem Points for credit, you must still pay the amount due on and minimum purchases from time to time. Once you have asked us to your statement. redeem your Points this is non reversible. Points are not redeemable for cash or a credit to your Card Account, except TripFlex rewards as set out in these Terms and Conditions. The TripFlex rewards option allows you to redeem Points towards Qualified There may be some addresses (normally overseas) to which certain Travel Purchases you have made on your Card Account. rewards may not be able to be shipped. A Qualified Travel Purchase is a purchase made with a travel retailer we have designated as a qualifying retailer (such as certain airlines, hotels, car rental Servicing Bank companies, cruise lines, travel agencies, tour operators or online travel If you have told us that a Bank will be servicing or managing your Card websites). You can find more details of the TripFlex rewards programme and Account (on your behalf) (Bank), you agree that we can accept instructions additional Terms and Conditions which apply on our website. from your Bank in relation to your participation in the Programme and You can redeem Points against the amount on your Card Account, including that you will be bound by such instructions. This does not mean that it is related taxes, booking fees, airport fees and insurance premiums. no longer your responsibility to carry out your obligations under these You can redeem a minimum of 1,000 Points against some or all of a Terms and Conditions, so references to ‘you’ or ‘your’ still include you the Qualified Travel Purchase up to three months after making the purchase. Cardholder, even though your Bank may do certain things on your behalf. Depending on when you redeem the Points, the credit may be applied to We are still allowed to contact you directly if necessary including where the your Card Account in a statement period after you made the Qualified Bank is unable to manage your Card Account. Travel Purchase. When we need to send you a notice or other communication, you agree that we will send this to your Bank if you have asked us to, and this will satisfy our Travel bookings obligation to send the notice or other communication to you. You can redeem Points for travel booked through American Express Travel We may, where we determine it is reasonably necessary, such as where we Services. suspect fraudulent activity, refuse to act on the instructions of the Bank or If you redeem Points for travel, you are responsible for taxes, booking fees, contact you directly to confirm the instructions we have received. airport fees, insurance premiums, and any other service fees and charges You may withdraw your consent allowing the Bank to manage your Card relating to a travel booking. Account in accordance with the Card Account agreement. If you do so, the Please note, the travel insurance benefits that you may have as part of your Bank will no longer manage your participation in the Programme. card benefits may not cover the travel booked with Points. Please see the Please note that in certain circumstances we may obtain information about Terms and Conditions of any card travel insurance benefits for full details. you or disclose your personal information to your Bank. You can find further Concierge bookings information about this in the ‘your personal information’ section in your You can redeem Points for concierge services through American Express Card Account agreement. Concierge if your Card allows this service. All concierge bookings are Third Party Nominee subject to availability. Unless we tell you otherwise, we will accept a person authorised by you Pay with Points as your Third Party Nominee (a person (including an attorney) whom You may be able to use your Points to make purchases at certain retailers you have told us is authorised by you to service your participation in the listed on our website. You need to indicate at the time of purchase that Programme on your behalf (to the extent set out in your Card Account you wish to pay with Points. The purchase may initially be charged to application form or other document approved by us) and whom we your Card Account as a normal purchase. If so, we will then debit the have accepted to do so). This does not mean that it is no longer your Points from your Points Account and credit your Card Account with the responsibility to carry out your obligations under these Terms and corresponding amount. Conditions, so references to ‘you’ or ‘your’ still include you the Credits to your Card Account may not be made and appear in the same Cardholder, even though the Third Party Nominee may do certain things on statement period as the original purchase. If the Points redeemed do not your behalf. cover the entire amount of the purchase, the balance of the purchase price We may, where we determine it is reasonably necessary, such as where we will remain on your Card Account. Any refunds for purchases made using suspect fraudulent activity, refuse to act on the instructions of the Third Pay with Points will be subject to the retailer’s own refund policies. Party Nominee or contact you directly to confirm the instructions we have received. You may withdraw your consent allowing the Third Party Nominee to service WHEN YOU MIGHT LOSE POINTS your participation in the Programme at any time by contacting us using the YOU HAVE EARNED details at www.americanexpress.com/eurodollar or the number shown on the back of the Card issued with your Card Account. We will assume that a Losing your Points Third Party Nominee is authorised by you until you withdraw your consent. If you miss a monthly payment on your Card Account, the Points that you Please note that in certain circumstances we may obtain information about have earned in the previous month will be forfeited and taken away from the you or disclose your personal information to your Third Party Nominee. You balance of your Points Account (this may result in a negative Points balance). can find further information about this in the ‘your personal information’ You will start earning Points again from each statement date but they will section in your Card Account agreement. continue to be forfeited whenever the relevant monthly payment is not Redeeming Points for goods, gift cards, transfer partners and made by the Payment Due Date. donations to charities What happens if you end your Card Account? You can redeem Points for goods, gift cards, gift certificates, E-Codes If you end your Card Account agreement and there are no other Linked (codes to redeem for goods or services online), including for car rentals and Cards on your Points Account, or if you end these Terms and Conditions, hotels, and contributions to charities of types we make available to you. you will have 30 days from the date you request this to redeem your You should check the Terms and Conditions that are given to you with Points. You can also transfer them to another Points Account, including these rewards for important conditions such as expiry dates and any transferring to a Points Account held by someone else (for a fee that we refund policies. will inform you of at the time). If you do not transfer or redeem your Points Transferring Points to Point Transfer Programmes within 30 days, they will be forfeited. You can opt for some or all of your Points to be added to a separate If you end your Card Account and leave at least one other Linked Card in the account with an airline or hotel loyalty programme (called a Point Transfer Programme open, you will continue to earn Points in your Points Account Programme). You can ask us to transfer Points to your Point Transfer with those Linked Cards. Programme on our website or by contacting Customer Services. What happens if we cancel or end your Card Account? To be able to do this, you must first link your Points Account to the Point If we cancel or end your Card Account in accordance with the Card Account Transfer Programme account in your name. We will tell you how to do this agreement, you will lose the Points that you have earned but not yet when you contact us, or you can do it online via our website. redeemed, unless you have another Linked Card in the Programme. Visit our website at membershiprewards.co.uk/travel for more information on transferring Points to Point Transfer Programmes. OTHER IMPORTANT INFORMATION

Changes to these Terms and Conditions We may change these Terms and Conditions, including the Earn Rate, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. We will give you at least 30 days’ notice. If the change is not to your disadvantage, we will still tell you about it but may make the change sooner. We will give you notice by statement message, post, email or other form of electronic communication. Ending these Terms and Conditions We may end the agreement governed by these Terms and Conditions if we cancel or end your Card Account in accordance with the Card Account agreement. We may also end the agreement governed by these Terms and Conditions by giving you at least 30 days’ notice without any explanation being required, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. This could include changing your Card Account to a different product in accordance with the Card Account agreement or replacing these Terms and Conditions with a new set of Terms and Conditions that cover different benefits. Fraud and Abuse of the Programme If we have reasonable grounds to believe that you have engaged in any fraud or material abuse related to the Programme, such as seeking to obtain an advantage through unfair or deceptive means, we may take actions which we reasonably consider appropriate in the circumstances, and this may include cancelling your Points Account and forfeiting your Points. Claims against rewards providers We are not liable for claims regarding any failure or breach with respect to goods and services provided as rewards by third parties. Third party rewards may also be subject to separate Terms and Conditions. Language and governing law These Terms and Conditions and all communications between us concerning these Terms and Conditions shall be in English. These Terms and Conditions and dealings between us before you enter into these Terms and Conditions are governed by the laws of England and the courts of England shall have non-exclusive jurisdiction over us and you. Taxes, duties and exchange control You must pay any government tax, duty or other amount (excluding VAT or any other sales tax charged by a third party provider of rewards in respect of the purchase price of such rewards) imposed by law in any country in respect of these Terms and Conditions and any rewards you benefit from. VAT (and any other sales tax) will be taken into account by us when determining the number of Points which are required for redemption for a reward. Where a tax invoice (for VAT or other sales tax) is required to be provided by a third party provider of rewards to you in connection with the redemption of a reward, the third party supplier will provide this invoice to us.

American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and is authorised and regulated by the Financial Conduct Authority. Where American Express Services Europe Limited cards are issued in the UK but obtained within the European Economic Area, local rules may apply to the way that it conducts its business which can be enforced by that country's applicable regulatory authority. 10/16