4.8 AmericanExpress’sfailuretoenforceaparticulartermorcondition doesnotconstituteawaiverofthattermorconditionby AmericanExpress. 4.9 UseoftheCardandanySupplementaryCardsandCardAccountis subjecttotheAmericanExpressCreditCardConditionsofUseor AmericanExpressBusinessCardConditionsofUse. 4.10 Pointsaregovernedbyandsubjecttothetermsandconditionsof theVelocityFrequentFlyerprogram. 4.11 Assignment American Express (a) Transferbyus:AmericanExpressmayassignanyofitsrightsunder thesePointsTermsandConditionsatanytimewithouttheBasic Cardmember’sortheSupplementaryCardmember’sconsent. AmericanExpressmayalsotransferitsobligationsunderthis Velocity Cards agreementtoanythirdpartyprovideditisreasonablysatisfiedthat therewillbenodetrimenttoyouinthetransfer.Youagreethat AmericanExpressmaydiscloseanyinformationordocumentsit considersnecessarytohelpitexerciseanyoftheserights. (b) Transferbyyou:Yourrightsunderthisagreementarepersonalto youandmaynotbeassignedwithoutourwrittenconsent. For correspondence: 4.12 IfyouareaBusinessCardmember,thisagreementisgovernedby AmericanExpressAustraliaLimited thelawsofNewSouthWales,Australia.IfyouarenotaBusiness AmericanExpressVelocityCardprogram Cardmember,thisagreementisgovernedbytheStateorTerritoryof GPOBox240 Australiaasstatedonyourbillingaddress,orifyourbillingaddressis SydneyNSW2001 Velocity Points overseas,asstatedonyourlast-knownAustralianbillingaddress. 5. Privacy and Personal Information Terms and Conditions AU017427E TheAmericanExpressPrivacyPolicyStatementsetsoutpolicieson managementofpersonalinformation.Inaccordancewiththe Privacy Act 1988 (Cth),youcanaccesspersonalinformationaboutyouheldbyAmericanExpress AustraliaLimited,andadviseifyouthinkitisinaccurate,incompleteorout ofdate.Toarrangeaccesstopersonalinformationaboutyou,requesta copyoftheAmericanExpressPrivacyPolicyStatementorenquiregenerally aboutprivacymatters,writeto–ThePrivacyOfficer,AmericanExpress AustraliaLimited,GPOBox1582,SydneyNSW2001.Inthissection“personal information”meansinformationaboutyou,includingaboutyourfinancial circumstancesandtheuseandadministrationoftheCard.Youagreethat, subjecttothePrivacy Act 1988(Cth),weandouragentsmaydothefollowing: (i) (Partners)–providepersonalinformationtoVelocity,VirginAustralia AirlinesPtyLtd,VirginAustraliaInternationalAirlinesPtyLtd,Virgin AustraliaAirlines(NZ)Ltd,VirginAustraliaAirlines(SEAsia)PtyLtd, VirginSamoaLimited,itsagents,affiliatesandrelatedcompaniesfor thepurposesofourmarketing,planning,productdevelopmentand administrationoftheAmericanExpressVelocityCardandseekfrom andexchangewithsuchorganisationspersonalinformationabout you,andinthecaseofVelocity,providepersonalinformationfor thepurposeofmaintainingyourVelocityAccount; (ii) (Ourserviceproviders)–transferpersonalinformationconfidentially toourrelatedcompaniesandotherorganisationswhichissueor servicetheAmericanExpressVelocityCard,subjecttoappropriate Effective from 02 April 2013 conditionsofconfidentiality.Thisincludestransferringpersonal informationto IfyouhavenotalreadyacceptedtheseVelocityPoints theUSAorothercountriesfordataprocessingandservicing;and TermsandConditions,yourfirstuseoftheCard (iii) (Callmonitoring)–monitorandrecordyourtelephone conversationswithusfromtimetotimeinordertotrainourstaff orCardAccountwillindicateyouragreement andcontrolourservicequality. tothesePointsTermsandConditions. Credit provided by American Express Australia Limited (ABN 92 108 952 085) Australian Credit Licence No. 291313 ® Registered Trademark of American Express Company. AU017427E04/13 IfyouhavenotalreadyacceptedtheseAmericanExpressVelocity 2.2 TheBasicCardmembermustadviseAmericanExpressofhisorher 3.10 IfaBasicCardmembercancelstheCardAccount,oriffor CardPointsTermsandConditions,yourfirstuseoftheCardor Velocitymembershipnumber.IfAmericanExpresshasnotbeen anyreasonAmericanExpresscancelstheCardAccount,any CardAccountwillindicateyouragreementtothesePointsTerms notifiedoftheVelocitymembershipnumber,Velocitywilladvise AccruedPointswillbeforfeited. andConditions. AmericanExpressofyourexistingmembershipnumber,orcreate 3.11 AccruedPointswillbeautomaticallytransferredtoyourVelocity anewVelocityAccountforyouinaccordancewithsection2.1. 1. Definitions Accountonamonthlybasis.ThemonthlyCardAccountstatement 3. Earning Points willspecifythenumberofAccruedPointsaccumulatedduring Accrued Points–Pointsaccruedasaresultoftransactionsonthe 3.1 Exceptforpromotionaloffersandthecategorieslistedinclause3.2below, thatmonthandthenumberofPointstransferredtoyourVelocity CardandSupplementaryCardthathavenotbeentransferredtothe youwillaccrueadesignatednumberofPoints(earnrate),asnotifiedto Account.ThetotalPointsearnedduringyourmonthlyCard BasicCardmember’sVelocityFrequentFlyermembershipAccount. youfromtimetotime,foreveryoneAustraliandollar(AUD)spenton statementcyclemaynotallappearonyourVelocitystatement American Express–AmericanExpressAustraliaLimited. goodsandservices,chargedandbilledontheCardAccount.Subjectto forthenextmonthasthetransferoccursapproximatelysixdays (ABN92108952085). thesetermsandconditions,Pointsarecalculatedoneachpurchaseof priortotheendofyourCardstatementcycle.AnyPointsfor American Express Credit Card Conditions of Use–thetermsand goodsorserviceschargedtoyourCard.OnlywholePointsarecredited. transactionsonyourCardAccountmadeafterthetransferdate conditionsissuedbyAmericanExpressfromtimetotimeinrelation AccruedPointsshallberoundedtothenearestwholePointinaccordance willappearonyournextmonth’sstatement. totheuseofaCard. withthegenerallyacceptedprinciplesinrespectofroundingrules. 4. General American Express Business Card Conditions of Use–thetermsand 3.2 Exemptions 4.1 Oncetransferred,AmericanExpressassumesnoresponsibility conditionsissuedbyAmericanExpressfromtimetotimeinrelation NoPointsaccrueinrespectof: forPointstransferredtoyourVelocityFrequentFlyeraccount totheuseofaCard. (a) chargesprepaidpriortothefirstbillingstatementforthatAccount orfortheactionsofVelocityinconnectionwithitsVelocity Basic Cardmember–thepersoninwhosenameaCardAccountis followingtheEnrolmentDate; FrequentFlyerprogramorotherwise. openedandwhoisresponsibleforalltransactionsontheCardAccount. (b) Cashadvanceandothercashservices; 4.2 AmericanExpressassumesnoresponsibilityforanylossof Bonus Partner–merchantswhoenterintoanagreementwith (c) AmericanExpressTravellersChequeandgiftchequepurchases; whatevernatureresultingfromtheredemptionofPointsfrom AmericanExpressinrelationtotheprovisionofBonusPointstoBasic Velocity. Cardmembers. (d) chargesfordishonouredcheques; (e) interestcharges; 4.3 VelocitycansuspendorterminatetheVelocityFrequentFlyer Bonus Points–theadditionalPointsaccruedinrespectofapurchase programatanytimeitdeemsappropriateinaccordancewith madewithaBonusPartnerwithaCardorSupplementaryCardin (f) annualCardfees; thetermsoftheVelocityFrequentFlyerprogram.Insucha additiontothestandardPointsaccruedforthattransaction. (g) latepaymentcharges;and case,AmericanExpressshallgivesuchadvancewrittennotice Card–meansoneof: (h) allotherfeesandchargesappliedtotheCardAccount. toBasicCardmembersasisreasonablypracticable. AmericanExpressVelocityEscapeCard 3.3 BalancetransfersfromothercardaccountsarenoteligibleforPointson 4.4 AmericanExpressandVelocityreservetherighttochange AmericanExpressVelocityGoldCard theamountstransferred.AmericanExpressreservestherighttochange thesePointsTermsandConditionsatanytimeincluding, AmericanExpressVelocityPlatinumCard thisprovisionatanytimeandmayofferPointsonbalancetransfersas butnotlimitedto,Pointsconversionratesprovidedthat AmericanExpressVelocityBusinessCard partofspecificpromotionsandsubjecttoanyconditionsitthinksfit. AmericanExpresswillprovideyouwith: offered,issued,andadministeredbyAmericanExpressAustraliaLimited. 3.4 WhentheBasicCardmemberorSupplementaryCardmember (a) Nopriornoticeforchangesthatarenotmaterialorwhichadd Card Account–theaccountforeachoftheAmericanExpress obtainsarefundorreimbursementforitemspurchasedontheCard rewardsorBonusPoints; VelocityCardsoutlinedabove. orSupplementaryCardasapplicable,acreditispostedtotheCard (b) 90dayspriornoticeforanychangetothePointsearnor Enrolment Date–thedateonwhichAmericanExpressopens Accountintheamountoftherefundorreimbursement.Thiscreditwill conversionrates; theCardAccount. reducetheAccruedPointstoreflecttherefundorreimbursement.In (c) 90dayspriornoticeofanyterminationoftheAmericanExpress Points–VelocityPoints. caseswherethePointshavealreadybeentransferredtoVelocity,the VelocityCardprogramunlessterminationisrequiredbylawin relevantnumberofPointswillbedeductedfromfuturetransactions. Supplementary Card–anAmericanExpressVelocityCardissuedto whichcasenopriornoticewillberequired; anotherpersonattherequestoftheBasicCardmemberandonthe 3.5 Unlessotherwisespecified,theBasicCardmemberwillaccrueBonus (d) ReasonablenoticeofanysuspensionoftheAmericanExpress BasicCardmember’sCardAccount. PointsforeveryoneAustraliandollarchargedandbilledontheCard VelocityCardprogramunlesssuspensionisrequiredbylawin AccountwhentheBasicCardmemberorSupplementaryCardmember whichcasenopriornoticewillberequired;and Supplementary Cardmember–aholderofaSupplementaryCard makesapurchasewithaBonusPartner.BonusPartnersmaychange whoisauthorisedtotransactontheCardAccount. fromtimetotime.DetailsoftheBonusPartneroffersandtheterms (e) 30dayspriornoticeofanyotherchange.AmericanExpress Velocity–VelocityRewardsPtyLtd(ABN98116089448). andconditionsoftheoffersareavailablefromAmericanExpress. willnotifyBasicCardmembersofchangestothePointsTerms andConditionsandBasicCardmembersandSupplementary Velocity Frequent Flyer–thefrequentflyerprogramofVirginAustralia 3.6 SpendonSupplementaryCardswillaccruePointsfortheBasic