BANKGGPBARCLAYSSING 23012 3 Form

Asia Pacific Private Bank Application Form in US Dollar Euro or Sterling Apply for Cardmembership today Return the completed form to your BANK not American Express. Please complete in English using Blue or Black ink and CAPITAL LETTERS* Please indicate which card you would like to apply for and which currency you would like your billings and Card fees in by ticking the appropriate box US Dollar Green LC1 Gold LC2 Platinum PK2 Euro Green PT0 Gold PT1 The annual fee for The Green Card is US 100/d100/ 60 The Gold Card is US 300/d300/ 95 and US 550/d550/ 300 for The Platinum Card. Sterling Personal Details Title First names Family name Mr Country of the organisation l l l l l l l l l l l l l l l l l l l If you answered yes we may contact you on the number you have provided to finalise your application* Your Financial Details Are you Mrs Miss Other D l D lMlM l Y l Y Nationality Please provide a copy of proof of your identity. Select the type of document and enter the document number Retired Source of income Drivers licence ID Card Please ensure you submit all documentation* See the checklist on the last page. Please give your permanent home address including country and postal code Address City Postal code l l l l l l l Primary tel number inc* country area code Email address Job title Years with employer/ self employed Nature of Business Tel* number Trust fund/Inheritance l years months US Please indicate your gross annual income Upto 100k 101 to 300k 301 to 500k 501 to 1m 1. 1m to 2m Greater than 2m Up to 499k 500 to 999k 1m-1. 999m 2m-4. 999m Bank and Payment Details Bank name Contact name Do you have or have you previously had any other American Express card Please PRINT your name as you wish it to appear on the Card in no more than 20 letters and spaces initials for first names are acceptable surname must be in full. To confirm your identity for security purposes and to protect against fraud. In the last year have you or a family member or close associate including anyone with a close business relationship eg joint ownership of company partnership or anyone benefiting from any company/other entity you own held the position of Head of state minister deputy or assistant minister Member of parliament Member of Supreme Court of a constitutional court or other high-level judicial body Member of court of auditors or of the Board of the Central Bank Ambassador charg s d affaire or high-ranking officer in the armed forces Member of the administrative management or supervisory bodies of a state-owned enterprise Please specify e*g* private income. Gross annual income Name of Investments Homemaker Other Please specify Savings Other Providing American Express with your email address will allow us to send you by email offers which we believe are suited to your needs including information on new benefits products and services. You may request not to receive these offers at any time by updating your email preferences via the privacy statement link on the American Express website. Title of role Student Salary PLEASE NOTE Cards can only be delivered to your permanent home business or bank address. For statements and further correspondence please provide your mailing address if it differs to the address above. If you are employed or self-employed please complete your business details Business name Passport Employed Date of birth Document number If a close associate give names and relationship to you Please tick if Yes Account no. If applicable Below US / / 25k US / / 26-35k US / / 36k American Express may request additional information or security in order to support the anticipated monthly spend on your Card. I declare and agree that payments for my American Express Card Account will be made each month from a nominated account in my name with the above Bank. Please send my statements to the following address Home/Mailing UNIQUE SOURCE CODE Bank BKAM000311 Supplementary Cardmembership You can share the advantages of your Cardmembership* The Green Card I Up to 2 Supplementary Green Cards included with the Green Sterling Card The Gold Card I accept joint and several liability with the Basic Cardmember for all charges incurred on the Supplementary Card issued to me. I agree to be bound by the terms of this application and the Cardmember Agreement which will accompany the Card when issued* By signing below I confirm that I have read and agree to all the terms and conditions including the paragraphs referring to personal information contained on this application form* The Platinum Card 1 Additional Platinum Card included to separate personal and business expenditure Please print your name as you would like it to appear on the Additional Card. Signature of Supplementary Card Applicant A X Complete this section to nominate someone aged 18 or over to share your Card benefits. Spend on each Supplementary Card will be itemised separately on your monthly statement. The type of Supplementary Card/s available and fee/s payable will vary according to which type of American Express Card you have applied for. To apply for more further Supplementary Cards please complete the separate Membership Rewards Relationship to Cardmember B C D D M M Y Y Enrolment in the American Express Membership Rewards programme is free with The Platinum Card and you are enrolled automatically on approval of Cardmembership* You can opt out at any time. The Gold and Green Cards Please tick here to enrol in the American Express Membership Rewards programme. Enrolment is free for the Gold Cards US / / and the Green Sterling Card on approval of Cardmembership* Enrolment is free for the first year for the Green Dollar and Euro Cards thereafter an annual fee of US / 35. 25 is payable. Instant Cash- for US Dollar and Euro applications only PLEASE NOTE not required for Sterling Card applications Obtain cash at more than 550 000 cash dispensers machines around the world. Please select your own PIN avoiding predictable numbers 4 digit PIN for Basic Cardmember l l l l By enrolling in the Express Cash Service I accept the terms of the Express Cash Conditions of Use which will be sent to me on enrolment. I understand that Express Cash withdrawal by myself and any Supplementary Cardmembers plus associated fees will be debited to my be the same as for all other charges incurred on the American Express Card. For Dollar and Euro Cards a fee of US / 4 or 4 of the amount of any withdrawal currently applies. For Sterling Cards a fee of 3 or 3 of the amount of any withdrawal currently applies. If your permanent home address is the same as the Basic Applicant please tick here If different please give your permanent home address including country and postal code ATMR ATLS Travel bookings Platinum and Centurion only authorised charging ATTR than 20 letters and spaces initials for first names are acceptable surname must be in full. Business relationship eg joint ownership of company partnership or anyone benefiting from any company/other entity you own held the position of Supreme Court of a constitutional court or other high-level judicial body Member of court of auditors or of the Board of the Central Bank Ambassador charg s d affaire or high-ranking officer in the armed forces Member of the administrative management or supervisory bodies of a state-owned enterprise enquiries redemption Lifestyle bookings Platinum and Centurion only I authorise to the extent indicated by the ticked boxes below the nominee named below to make enquiries redeem Membership Rewards Points and/or book lifestyle or travel charges which will be billed to the Card account. I understand and accept full liability for such transactions and discharge American Express from all responsibility relating to such transactions. Third Party Authorisation This authorisation allows for the nominated person to discuss confirm by telephone and authorise payment on the Basic Cardmember s behalf of Membership Rewards Travel and Lifestyle bookings only. American Express Services Europe Ltd accepts no liability for cancellations/booking errors that are made either by Cardmember or the authorised Account nominated person* By giving this authority the Basic Cardmember accepts full responsibility for all transactions that are booked and Membership Rewards points redeemed by the said Account Nominee and agrees to settle all such Card transactions in full* This is subject to the laws of England. Third Party Nominee Details Basic Applicant/ Nominee Password This password should be 8 characters in length and contain at least 2 numbers Important Notes You may authorise one third party nominee on your account. Any subsequent authorisation request will supersede this request. American Express reserves the right at its discretion not to deal with any Nominee at any time. This request will remain active unless cancelled* In the interests of security please ensure that your Third Party Nominee maintains the confidentiality of your Card account. Please Sign Below Important The information I have given in this Application is true and correct. I am and my billed in either US dollars euros or sterling including any renewal and replacement Cards. If I have applied for a Green Card I agree that this form is also an application to be issued with a Gold Card or Platinum Card. If I have applied for a Gold Card or Platinum Card I agree that this form is also an application to be issued with a Green Card if for any reason Card to me. The annual fee for The Green Card is US 100/d100/ 60 The Gold Card is US 300/d300/ 95 and US 550/d550/ 300 for The Platinum Card. If I have asked for any charges on such Supplementary Cards. A Cardmember Agreement will accompany the Card when issued* The annual fee is US 50/d50 for each Supplementary Green Card and US 100/d100/ 35 for each Supplementary Gold Card. I authorise my Bank mentioned under the heading Bank and Payment Details to disclose information about me to American Express and to issue instructions on my behalf for the purpose of administering my Card account. This includes the documents and to provide all information necessary for American Express to comply with its obligations under the applicable anti-money laundering legislation* I also authorise American Express to answer any enquiries or requests made by the Bank and to carry out the Bank s instructions for the above purpose. I discharge Bank of my information and any execution by it of the Bank s instructions. Additionally I authorise any third party nominated in this application to undertake the activities listed* In relation to any transactions where you have been introduced to us by a third party we may make a payment to the introducer. Shall be read in conjunction with the attached Pre-contractual disclosure of terms and conditions for American Express International Currency Cards and with all other accompanying documents. Please send to the following to the address below Completed and signed application form A valid certified copy of the Basic Applicants identity showing their name photo and expiry date. Name photo and expiry date. A Certified copy is where the Bank stamps Certified true copy signs and dates the copy of the identity document. A copy of your proof of permanent home address matching the one you have provided in the application form. This can include gas electricity water bill or bank statements dated within the last 3 months and displaying your name and address. Address for the Supplementary Applicant. This can include gas electricity water bill or bank statements dated within the last 3 months and displaying their name and address. Please enter the date of the bill below Basic To be completed by the Bank By signing below I confirm that I have read and agree to all the terms and conditions contained on this Application and understand how you will use my Personal Information for the purpose of processing this Application as set out in the box at the top of the attached Pre-contractual disclosure of terms and conditions. Signature of Basic Card Applicant A Bank Guarantee if applicable Bank referral letter on bank headed paper A copy of the Terms and Conditions of this Application has been passed to the Basic Applicant Bank Information Only Please complete this form and send it to International Currency Card - New Membership Department 4060 Telecom House 125-135 Preston Road Brighton BN88 1TH United Kingdom Alternatively fax the completed application form to 44 0 1273 667 135. For any application enquiries please contact the ICC Bank Servicing Team on 44 1273 576 736. A representative will be able to answer your queries between 8am to 5pm GMT. Outside of these hours please leave a message and a representative will return your call* BANKGGPBARCLAYSSING1109 AMERICAN EXPRESS INTERNATIONAL CURRENCY CARDS List of professionals who can certify your Passport Identity Card or Driving Licence Accountant Journalist Airline Pilot Justice of the Peace Apprentice in a professional rm Lawyer Bank Employee Lecturer Barrister Legal Secretary Broker Local Government Of cer Chairman or Director of Limited Company Member of Parliament Chemist Minister of a recognised religion Chiropodist Nurse Civil Servant Individual who has a permanent job with the Government Of cer of the Armed Services active or retired Commissioner of Oaths Photographer professional Councillor local or county Police Of cer Dentist Post Of ce of cial Director or Manager of a Registered Charity President/Secretary of a recognised organisation Social Worker Limited Company Solicitor Optician Surveyor Doctor Tax Advisor Engineer with professional quali cations Teacher Fire Service of cial Trade Union Of cer Funeral Director Travel Agent quali ed Insurance Agent of recognised company Valuer or Auctioneer IT Professional with recognised grades Example of a Certi ed Passport Identity Card or Driving Licence FULL NAME John Smith DATE OF BIRTH 1 Jan 89 NO 2009-0101-1000-0202 COUNTRY UK IDENTITY CARD Original seen Full name of certi er A valid copy of Passport or Identity Card or Driving Licence This must show a photograph full name date of birth and Passport or Identity number CF Frost Sample Street Sample Town Signature Profession Date 01/01/2009 Registered Office Belgrave House 76 Buckingham Palace Road London SW1W 9AX United Kingdom Registered in England and Wales with Company Number 1833139. Regulations 2009 415532 for the provision of payment services. IMPORTANT - YOUR PERSONAL INFORMATION Before signing this Application it is important that you and any Supplementary Applicant read this paragraph and the section entitled Privacy below which together describe how we collect and use information about you and any Supplementary Applicant for the purpose of processing your application and providing you and any Supplementary Applicant with the Card service and other appropriate products and services. By signing this Application you and any Supplementary Applicant agree that for the purpose of processing it American Express may a carry out credit checks with credit reference agencies by disclosing the information provided by you to such agencies who will retain records of such checks that may be used by other organisations in assessing applications from you and members of your household for credit or other facilities and for preventing fraud and tracing debtors b check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect fraud this will be recorded which records may be used by us and other organisations to help make decisions about credit and credit-related services for you and members of your household help make decisions on motor household credit life and other insurance proposals and insurance claims for you and members of your household trace debtors recover debt prevent fraud and manage your Accounts or insurance policies c check your identity to prevent money laundering d use various statistical methods including the results of any credit checks made to assist in evaluating your creditworthiness in deciding whether to issue a Card to you and e contact your employer bank building society or any referee approved by you to obtain relevant information to assess Introduction This document and the application form you have completed makes up the entire agreement for your account with us called your account. It replaces any previous terms provided to you for your account. Your use of your account is governed by this agreement. You can request a further copy of this agreement for free at any time during the term of the agreement. This agreement and all communications between us concerning this agreement shall be in English. Y ou and your means the person who applied for this account W e us and our means American Express Services Europe Limited Registered Address at Companies House Belgrave House 76 Buckingham Palace Road London SW1W 9AX UK. Registered Number at Companies House 1833139 and any holding subsidiary or affiliated companies and licensees taking part in the American Express Card service ard means any US dollar Euro or Sterling Card or other account access device we issue for the purpose of accessing your account harge s means all transactions made using a Card or otherwise charged to your account and includes cash advances travellers cheques purchases fees commissions taxes and all other amounts you have agreed to pay us or are liable for under this agreement. A Supplementary Cardmember is jointly and severally liable with you for all charges made by that Supplementary Cardmember. Using your account or by signing and keeping the Card you and any Supplementary Cardmembers By agree to the terms of this agreement. Please read this agreement thoroughly and keep it for your reference. It is your responsibility and you agree to ensure that any Supplementary Cardmembers are aware of these terms. Please see the This agreement contains a limitation of liability clause which limits our responsibility and liability. Please refer to the Limitation of Liability section of this agreement for additional details. USE OF THE Card/CODE S You agree that your account will be debited when you present your Card for payment to a merchant and either you enter your code or sign for your purchase. For online telephone or mail order purchases you agree to the transaction when you provide your Card number and related Card/account details and you follow the merchant s instructions for processing your payment. You may also be deemed to consent to a transaction in any agreement you enter into with a merchant in which an amount is specified in such agreement and you have authorised the merchant to debit your Card for the transaction* In your dealings with us you may also verbally consent or confirm your agreement to all or part of a charge after a charge has been submitted* You You agree that we will consider your instruction for paying a merchant to be made on the date when you must make any payment to us in relation to a Card transaction appearing on your statement. This does not affect the date on which the merchant is paid which is agreed separately with the merchant the validity of using your Card as means of payment when you authorise the Card transaction or the fact that you are obliged to pay us for the transaction when you authorise it. 2. 3 To prevent misuse of your account you must ensure that you and any Supplementary Cardmembers 2. 3. 1 sign the Card in ink as soon as received 2. 3. 2 keep the Card secure at all times 2. 3. 3 regularly check that you still have the Card in your possession 2. 3. 4 do not let anyone else use the Card 2. 3. 5 ensure that you retrieve the Card after making a charge and 2. 3. 6 never give out your Card details except when using the Card in accordance with this agreement. 2. 4 protect your PIN personal identification number telephone codes on-line passwords and any other To codes used on your account called codes you must ensure that you and any Supplementary Cardmembers 2. 4. 1 memorise the code 2. 4. 2 destroy our communication informing you of the code if applicable 2. 4. 3 do not write the code on the Card 2. 4. 4 do not keep a record of the code with or near the Card or account details 2. 4. 5 do not tell the code to anyone 2. 4. 6 you select a code do not choose a code that can easily be associated with you such as your if name date of birth or telephone number and 2. 4. 7 Take care to prevent anyone else seeing the code when entering it into an automatic teller machine called ATM or other electronic device. PERMITTED USES You may use your account subject to any restrictions set out in this agreement to pay for goods and services from merchants who accept the Card called merchants. Here are some examples 3. 1. 1 using your Card to pay for goods and services by presenting the Card to a merchant and complying with their request to sign or enter a code and 3. 1. 2 telephone internet or mail* 3. 2 we agree you may also use your account to obtain cash advances. For example you may obtain cash If advances at any ATM that accepts the Card. 3. 3 permitted by the merchant you may return to the merchant goods or services obtained using your account and receive a credit to your account. 3. 4 you use the Card to buy insurance you must authorise us to pay premiums for you. We will charge these amounts to your account. You must tell us and the insurer in writing if you want to cancel your policy or do not renew the policy. If you are due a refund this will be handled by us in the normal way. PROHIBITED USES 4. 1 You must not 4. 1. 1 give your Card or account number to others or allow them to use your Card or account for charges identification or any other purpose 4. 1. 2 return goods or services obtained using your account for a cash refund 4. 1. 3 use your Card to obtain cash from a merchant for a charge recorded as a purchase 4. 1. 4 obtain a credit to your account except by way of a refund for goods or services previously purchased on your account 4. 1. 5 your account if you are bankrupt or insolvent or if you do not honestly expect to be able to use pay your balance on your next statement 4. 1. 7 transfer balances from another account with us to pay your account the front of the Card 4. 1. 9 use your account for an unlawful purpose including the purchase of goods or services prohibited by the laws of England or any other country where the Card is used or where the goods or services are provided or Cardmember or any third party related to you have any ownership interest in excluding shares quoted on a recognised stock exchange. 4. 2 is your responsibility to ensure that there is no prohibited use of your account by you and any It did not prevent or stop the prohibited use. STATEMENTS 5. 1 will send or make available to you statements of account called statements periodically and at We least once a month if there has been any account activity. In any event we will send or make available to you a statement at least once every 12 months. Each statement will show important information about your account such as the outstanding balance on the last day of the statement period called the closing balance the payment due the payment due date the currency conversion rate and applicable fees and will include charges made by you and any Supplementary Cardmembers. We reserve the right to make some account data available to you on request once a month and in such case we will notify you in your statement. Always check each statement for accuracy and contact us as soon as possible if you need more information about a charge on any statement. If you have a question about or a concern with your statement or any charge on it inform us immediately. We will expect this to be within 1 month of receipt of your statement and if you do not query a charge that you believe is unauthorised or inaccurate within this period or up to 13 months in exceptional circumstances you will be liable for the question or concern and any information we may require that relates to your question or concern* 5. 3 f you are enrolled in online statements you agree that we may stop sending paper statements. You agree that any specific terms about online statements that we provide to you will apply and form part of this agreement. You agree we may send you notices including notices of variation of this agreement with your statement whether online or paper copy. FEES 6. 1 fees and commissions that apply to your account are set out below. You agree to pay these fees and The commissions and you authorise us to charge them to your account when due. TYPES OF FEES FEE US DOLLAR Cards FEE EURO Cards FEE STERLING Cards A maximum Card Membership Annual Fee is payable annually beginning on the first statement after the Card is issued and then at the beginning of each membership year. On the anniversary of Card membership and ends on the day before the next anniversary of Card membership called Card anniversary date. Cash advances and fees and in the calculation of purchases. For The American Express Green Card US 100 Gold Card US 300 US 550 The Centurion Card US 2 800 The Green Business Card US 100 The Gold Business Card US 300 Green Card 60 Gold Card 95 Card 50 annually at the beginning of each membership year for each Supplementary Card we issue at your request beyond those offered as part of your Card For The American Express Card US 100 Green Card 17. 50 A Late Payment Fee is payable in the event that you delay or omit the payment of any charges due in respect of your account. I 3 or US 25 whichever is higher on all amounts you still owe after 30 days from your statement date and ii 1. 5 or US 15 whichever is higher to be charged on all amounts you still owe after 45 days from your statement date and month on all amounts you i 12 in respect of all 30 days from the account statement date and ii 12 to be charged in respect of all amounts you the account statement month in respect of all A Return Payment Fee is payable if you pay us with a cheque or direct debit and your bank does not honour the cheque or the direct debit we will charge you to cover costs we incur. US 25 A Statement Copy Fee is payable if you request copies of statements for each copy provided or if you have elected electronic statements you request any paper statement copies. US 4 A Cash Advance Fee of the amount of any cash you request is payable. A fee may also be charged by the provider of any ATM you use in obtaining cash. US 4 or 4 whichever is the greater 3 or 3 whichever is the A Rewards Fee is payable in advance on enrollment and then annually for participation in the programme. Please refer to the separate Membership Rewards agreement for full details of your programme. US 35. 25 A Cheque Handling Fee is a cheque drawn on a bank account outside i the USA UK or Switzerland or which are not in US Dollars for US Dollar Card or ii the UK or Switzerland or countries in which the Euro is not the official currency or which are not denominated in for Euro Cards. Not Applicable An annual Government Stamp Duty Fee is payable only in the Republic of Ireland. 6. 2 you make a charge in a currency other than Pounds Sterling we will apply a currency conversion rate to the charge increased by 3. 0 for US Dollar Cards 2. 7 for Euro Cards or 2. 99 for Sterling Cards or as otherwise disclosed by us. Please see the Charges Made in Foreign Currencies section of this agreement. 6. 3 we refer your account to a collection agency which may be a firm of solicitors we will also charge you for any costs that we have to pay in recovering any amount you owe us and any costs that the agency incurs in trying to recover any outstanding amount on our behalf* We will continue to add late payment charges to the amount you owe until you have paid the amount you owe. You must pay late payment charges after as well as before any judgement if the case is taken to court. RIGHT TO CHANGE FEES AND COMMISSIONS 7. 1 reserve the right to change the circumstances in which any of the fees or commissions on your account are charged and the amount of those fees or commissions. We will provide notice of any change in accordance with the Changes section of this agreement. out in the Changes section of this agreement. LIABILITY You are liable and promise to pay to us when due all amounts outstanding on your account which includes paying 8. 1. 1 charges on all Cards issued to you and to any Supplementary Cardmembers and even after Cards have been cancelled and this agreement has been ended 8. 1. 2 charges made by any other person if you or any Supplementary Cardmember allowed them to 8. 1. 3 charges made in breach of this agreement or fraudulently by you or permitted by you or any 8. 1. 4 under the circumstances and within the limits set out in the Lost/Stolen Cards Incorrectly Executed Transactions and Misuse of Your Account section of this agreement. Charges on this account made by that Supplementary Cardmember. CHARGE APPROVAL Unless we inform you of a pre-set spending limit each charge 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. 9. 2 may at our discretion decide and inform you of a temporary spending limit applicable to your account which is the maximum amount which can be outstanding at any time on your account including use by any Supplementary Cardmembers. You agree to manage your account so that charges billed to your account do not exceed the spending limit*. 10. Card IS OUR PROPERTY Although you and any Supplementary Cardmember use Cards on your account all Cards remain our property at all times. You may be asked to return the Card to us or anyone we ask to take it on our behalf including merchants. We may also inform merchants that your Card is no longer valid* 11. PAYMENTS see table opposite Payments are due and payable to us immediately upon request or receipt by you of our statement. You will be deemed to have received each statement on the 7th day following dispatch by us or upon its actual receipt whichever is the earlier. Payments may be made by any of the methods set out in the table opposite and in accordance with any additional instructions and requirements regarding your payments as set out in your statement or that we inform you. 11. 3 US Dollar Cards 11. 3. 1 You must pay us in US Dollars. 11. 3. 2 you pay in any currency other than US Dollars we may refuse to accept it. If we do accept payment in another currency we will change it into US Dollars at the standard rate we set on the date we receive the payment. In this case or if you pay using a cheque drawn on a bank 11. 4 Euro Cards in another currency we will change it into Euros at the standard rate we set on the date we receive the payment. In this case or if you pay using a cheque drawn on a bank account outside the UK there may be a delay before the amount is credited to your account. 11. 5 Sterling Cards Payments will be credited to your account when received cleared and processed* Any time periods that we may provide are estimates only and are dependant on the payment system and service provider you choose to make payment. Please make sure that you allow sufficient time for us to receive clear and process payments by the payment due date even if the payment due date falls on a weekend or public holiday. This includes mailing time for payments sent by mail and processing time for payments made using payment services offered by participating financial institutions which you should check with the financial institution* 11. 7 are not responsible for any delays in receiving and processing payments and you must pay any charges which may apply. 11. 8 you choose to pay by direct debit you agree that any specific terms that we provide to you at enrolment will apply and form part of this agreement. Third parties involved in the sending or processing of payments such as postal authorities or financial institutions are not our agents and their receipt of a payment will not be considered a payment received by us. 11. 10 may but are not obligated to provide an additional grace period following the payment due date. 12. ALLOCATION OF YOUR PAYMENTS 12. 1 We will normally apply payments to your account in the following order 12. 1. 1 applicable delinquency charges cash advances withdrawals linked credit account minimum dues if any purchases in that order 12. 1. 2 annual Cardmembership fees other fees charged by us that appear as a separate item on your monthly statement for example statement reprint fees annual Cardmembership fee and 12. 1. 4 charges other than those above service fees that have appeared on a monthly statement. 12. 2 servicing administrative systems or other business reasons we may apply payments to your account in some other order or manner that we may determine in our discretion* You agree that we may do so in a way that is favourable or convenient to us. 13. CHARGES MADE IN FOREIGN CURRENCIES you make a charge in a currency other than US Dollars that charge will be converted into US Dollars. The conversion will take place on the date the charge is processed by us which may not be the same date on which you made your charge as it depends on when the charge was submitted to us. Conversion will take place on the date the charge is processed by us which may not be on the same is not in U*S* Dollars the conversion will be made through U*S* Dollars by converting the U*S* Dollar amount into Euro. If the charge is in U*S* Dollars it will be converted directly into Euro. Sterling. The conversion will take place on the date the charge is processed by us which may not be the same date on which you made your charge as it depends on when the charge was submitted to us. If the charge is not in U*S* dollars the conversion will be made through U*S* dollars by converting the charge amount into U*S* dollars and then by converting the U*S* dollar amount into Pounds Sterling. If the charge is in U*S* dollars it will be converted directly into Pounds Sterling. 13. 4 US Dollar Euro Sterling Cards 13. 4. 1 Unless a specific rate is required by applicable law you understand and agree that the American Express treasury system will use conversion rates based on interbank rates that it selects from customary industry sources on the business day prior to the processing date called reference exchange rate increased once by 3. 00 for US Dollar Cards 2. 7 for Euro Cards and 2. 99 for Sterling Cards or as otherwise disclosed by us. If charges are converted by third parties prior to being submitted to us any conversions made by those third parties will be at rates and may include a commission selected by them* Payment Methods Payment Method Dollar Card be credited to the be collected approximately 14 days after your Ensure sufficient funds are in your financial institution the payment collection date. Direct Debit If Applicable Estimated Time Frames which includes time for your bank to pay us When payment is received and processed by us. Bank Transfer Account Name Services Europe Limited Bank A/C 3582022339001 Swift No SCBLUS33 Beneficiary Bank Standard Chartered Bank One Madison Avenue New York NY 10010 Reserve Bank ABA Code 026002561 Federal CHIPS Participant Code Reference Please state your Card number starting Europe Limited Bank A/C Number 180 992 05 IBAN Number Bank Acct No* DE28512305000018099205 Swift Number SCBLDEFX Franklinstrasse 46-48 60486 Frankfurt Germany Payment Reference Please starting 3743 Allow 3-5 working days for payment to be received on Cheque Send us a US Dollar Cheque with a remittance advice slip to Services Royal Avenue Widnes United Kingdom WA88 1AH Send us a Euro Cheque with a remittance advice slip to Widnes Send us a sterling Cheque with Please include the bank account number and account number on the front of the cheque. Days from receipt of cheque for payment to be received on your front of the cheque. By Hand Hand deliver your cheque to your American Express Travel Agency location* your cheque to your American Express Travel Allow up to 14 By Bank Arrangement You can arrange to settle your completing our bank form* by completing our bank arrangement form* Online cheque to your Travel Agency location* Pay online at www. Co. uk using your debit card. 13. 4. 2 reference exchange rate is set daily. You agree that any changes in the reference exchange rate will be applied immediately and without notice to you. Please note that the rate charged is not necessarily the rate available on the date of your transaction as the rate applicable is determined by the date on which the merchant submits a charge which may not be the date on which you authorise the transaction* Fluctuations can be significant. The reference exchange rate may be found on our website www. americanexpress. co. uk or you may contact us by telephone or email to obtain the rate. 14. Supplementary CardMEMBERS 14. 1 your request we may issue a Card on your account to another person called a Supplementary At Cardmember. We may limit the number of Supplementary Cards issued on one account. 14. 2 generally do not provide copies of agreements statements notices and other communications to a Please see the Liability section of this agreement regarding the liability of a Supplementary Cardmember for charges made by that Supplementary Cardmember. You agree and are responsible to ensure that each Supplementary Cardmember reads understands and complies with this agreement and any notices and other communications that we may send to you. 14. 5 cancel a Supplementary Card please see the Default/Closing Your Account section of this agreement. 15. CASH ADVANCES 15. 1 If we permit you to obtain cash advances with your Card then 15. 1. 1 you must enrol and obtain a code to access ATMs that accept the Card 15. 1. 2 may impose limits and restrictions on cash advances such as the minimum and maximum we limits that apply to cash advances for each transaction day statement period or otherwise 15. 1. 3 restrictions on cash advances such as limits on the number of cash advances the amount of each cash advance and access to and available services at ATMs 15. 1. 4 reserve the right without cause and without providing any notice to you to terminate your access to ATMs even if your account is not in default fees apply as set out in the Fees section of this agreement and the ATM provider may also charge a fee and 15. 1. 6 you must comply with any additional terms and conditions that we provide to you. 16. RECURRING CHARGES You or a Supplementary Cardmember may authorise a merchant to bill your account at regular intervals for goods or services called recurring charges. 16. 2 replacement or new Card called a replacement Card may be issued to you if your Card is lost stolen damaged cancelled renewed or switched to a different Card type. Your Card may also be cancelled or no further charges permitted without a replacement Card being issued called a cancelled Card. 16. 3 order to avoid potential disruption of recurring charges and the provision of goods or services by the In merchant in the case of a replacement Card or cancelled Card it is always your responsibility to contact the merchant and provide replacement Card information or make alternate payment arrangements. 16. 4 and any Supplementary Cardmembers for their own charges agree to be responsible for any recurring You charges that may continue to be charged to your account from a Card that has been replaced or cancelled* Recurring charges may be automatically charged to a replacement Card without notice to you. Please note that we do not provide replacement Card information such as Card number and Card expiry date to the merchant. 16. 6 stop recurring charges being billed to your account you must have the right to do so by law or under your arrangement with the merchant and you must advise the merchant in writing or in another way permitted by the merchant to stop billing charges to your account. 16. 7 we permit you or a Supplementary Cardmember may authorise us or our agent to enrol you with a merchant for recurring charges. You will remain responsible to make other payment arrangements until the recurring charges begin to be applied to your account. We are not responsible for any failure to enrol your account for recurring charges or if the merchant fails to charge your account. The paragraph above which deals with stopping recurring charges also applies if you or a Supplementary Cardmember uses our enrolment services. 17. AUTHORISATION 17. 1 We may require charges to be authorised by us before they are accepted by a merchant. Even though your account may not be in default we may refuse any request for authorisation of a charge for example due to technical difficulties fraud your inability to pay your account in full and on time and/or other related reasons. Where possible we may provide you at your request our reasons for any refusal for authorisation* You may contact us on 44 0 1273 868 900. 18. REPLACEMENT CardS You authorise us to send you and any Supplementary Cardmembers a replacement Card before the current Card expires. You must destroy any expired Cards by cutting them up* For Cards made of titanium please contact Centurion Services on 44 0 1273 576 453. This agreement as amended or replaced continues to apply to any replacement Cards we issue. 19. USE OF PERSONAL INFORMATION 19. 1 will disclose information about you your application for the Card your account and charges on it which may include details of goods and/or services purchased to companies within the American Express group of companies worldwide including other organisations who issue the Card to companies who distribute the Card to any other party whose name or logo appears on the Card issued to you to any party authorised by you to our processors and suppliers and to organisations who accept the Card in payment for goods and/or services purchased by you and obtain such information from those parties and we will also use such information in order to administer and service your account process and collect charges on it manage any benefits or insurance programmes in which you are enrolled and reconcile payments due by us to the above companies processors suppliers and organisations arising as a result of the issue of the Card to you and/or its use by you. Where you purchase goods and/or services on behalf of a third party you confirm that you have obtained consent of that third party to the disclosure of his or her information to American Express for these purposes. We other companies within the American Express group of companies worldwide including other organisations who issue the Card companies who distribute the Card and other companies specifically selected by us will have access to and will use information about you and how you use your account to develop lists for use within the American Express group of companies worldwide including other may develop or unless you ask us not to make offers to you by mail email telephone via the internet or by SMS of products and services in which you may be interested* The information used to develop these lists may be obtained from the Application form process from information on where you use and what charges are on your Card from surveys and research which may involve contacting you by mail email telephone via the internet or by SMS and from information obtained from external sources such as merchants or marketing organisations to the greatest extent permitted by law. 19. 3 will exchange information about you and your account with credit reference agencies. If you owe us money and do not repay in full or on time we may tell credit reference agencies who will record the outstanding debt. This information may be shared with other organisations in assessing applications from you and applications from any other party with a financial association with you for credit or other facilities and for preventing fraud and tracing debtors. 19. 4 will carry out credit checks whilst any money is owed by you on your account including contacting your bank building society or any referee approved by you and disclose information about you and your account to collection agencies and lawyers for the purpose of collecting debts on your account. About you and charges on your account to assist in managing your account authorise charges on it and to prevent fraud or any other unlawful activity. These credit reference agency searches will not be seen or used by other organisations to assess your ability to obtain credit. 19. 6 will check your details with fraud prevention agencies. If false or inaccurate information is provided and we suspect any unlawful activity such as fraud or fraud is identified this will be recorded and we may pass details to fraud prevention agencies. Law enforcement agencies may access and use this information* We and other organisations may also access and use this information to prevent fraud and money laundering for example when 19. 6. 1 Checking details on applications for insurance credit and credit related or other facilities Managing credit credit related accounts or facilities and insurance policies 19. 6. 2 Recovering debt 19. 6. 3 Checking details on applications proposals and claims for all types of insurance or and other organisations may access and use from other countries the information recorded by fraud prevention agencies. Please contact us at ICC New Membership Department Number 4060 American Express Services Europe Ltd Telecom House 125-135 Preston Road BRIGHTON BN88 1TH UK if you want to receive details of the relevant UK fraud prevention and credit reference agencies. 19. 7 you contact us by any electronic means we may record any electronic identifier including telephone numbers or internet protocol address supplied at the time. 19. 8 have the legal right of access to your personal records held by credit and fraud prevention agencies. We will supply the names and addresses of the agencies we have used upon request to ICC New 19. 9 will monitor and/or record your telephone calls to us or ours to you either ourselves or by reputable operation and to assist where appropriate in dispute resolution* 19. 10 e will link and/or consolidate with other companies within the American Express group of companies worldwide information about you and your account with information about other products and services you maintain with the Group in order to manage maintain and develop the Group s overall relationship with you and to help the Group identify products and services in which you may be interested* 19. 11 will undertake all of the above within and outside the UK and the European Union* This includes processing your information in the USA in which data protection laws are not as comprehensive as in the European Union* When you travel or make foreign purchases by mail email telephone or via the internet American Express will also disclose to or access your information in other countries outside Union* In this case American Express has taken appropriate steps to ensure the same level of protection for your information in the USA and other countries as there is in the European Union* Where you have approved the issue of a Supplementary Card you confirm that you have obtained the consent of the Supplementary Cardmember to disclose his or her information to American Express and process it for the above purposes. 19. 13 e use advanced technology and well-defined employee practices to help ensure that your information is processed promptly accurately completely and securely. In order to maintain the effectiveness and security of these systems policies and procedures it will be necessary from time to time to process your information for testing purposes. 19. 14 f a Card is issued to you we will send you details of how we protect your information* You will also be given the opportunity to have your name and address removed from any marketing programmes. Please write to us at American Express Services Europe Limited Department 77 Amex House Edward Street Brighton East Sussex BN88 1AH UK if you wish to opt out of marketing programmes. 19. 15 e keep information about you for so long as is appropriate for the above purposes or as required by applicable law. If you ask we will tell you what information we hold about you and provide it to you in accordance with applicable law. There may be a charge for this as permitted by law. If you believe that any information we hold about you is incorrect or incomplete or if you wish to opt out of marketing programmes you should write without delay to American Express Services Europe Limited Dept. 2007 Amex House Edward Street Brighton East Sussex BN88 1AH. Any information which is found to be incorrect or incomplete will be corrected promptly. 20. ADDITIONAL SERVICES 20. 1 e may make available additional services or discretionary benefits which will be subject to separate terms and conditions or summaries of benefits. Examples of services or benefits include discretionary insurance benefits assistance services rewards programs and merchant offers. 20. 2 may receive compensation from additional service providers and our compensation may vary by provider and product. Your account will be charged for any fees or premiums that may apply for services and benefits. Services and benefits that are provided by third parties are subject to the terms and conditions set by the third party and any dispute must be settled directly with the third party. Services and benefits may be changed or cancelled with or without notice. We are not responsible for any service or benefit not directly provided by us. 20. 4 your account is closed it will be your responsibility to obtain replacement services and benefits or make new payment arrangements with the third party if the service is still available. 21. LOST/STOLEN CardS INCORRECTLY EXECUTED TRANSACTIONS AND MISUSE OF YOUR ACCOUNT 21. 1 You must tell us immediately by telephone at 44 0 1273 868 900 if 21. 1. 1 a Card is lost or stolen 21. 1. 2 a renewal Card has not been received 21. 1. 3 someone else learns a code 21. 1. 4 you suspect that your account is being misused or a transaction is unauthorised or 21. 2 a Card that you have reported lost or stolen is later found you must destroy it and wait for a replacement Card. Your maximum liability for any unauthorised charges on your Card or any Supplementary Cardmember s Card is US 50 for US Dollar Card 50 for Euro Card or 50 for Sterling Card unless you or any 21. 3. 1 not comply with this agreement including the section Use of Your Cards/Codes did intentionally or because you were grossly negligent or 21. 3. 2 contributed to were involved in or benefited from the loss theft or misuse which case you will be liable for the full amount of the unauthorised charge. For example if you gave in your Card and/or codes to another person to use or if you fail to take reasonable steps to keep your Card s security features safe then you will be liable for the full amount of any unauthorised charges. Provided that you or any Supplementary Cardmembers did not contribute to were not in any way involved in or did not benefit from the theft loss or misuse of the Card then you and any notified us. Affidavit and/or a copy of an official police report if we ask. You and any Supplementary Cardmembers also agree that we may provide information to the authorities. 21. 6 there are errors in a transaction and this is our fault we will reverse the charge and restore your account as if the transaction had not taken place. We reserve the right to resubmit the correct transaction amount. 21. 7 upon contacting us you wish to dispute a transaction we will initiate an inquiry and place a temporary credit on your account in the amount of the transaction* Once investigations are complete we will adjust your account accordingly. 22. AUTHORISED TRANSACTIONS 22. 1 This section only applies to charges at merchants in the European Economic Area* You can request a refund for a charge if at the time that you agreed to the charge you did not know the exact amount of the transaction and the amount which appears on your statement is greater than the amount you reasonably expected* 22. 3 You must submit your request for a refund within 8 weeks from the transaction date. We will investigate your request for such a refund taking into consideration your recent spending behaviour and all relevant circumstances related to the transaction* You must give us all the information you can about the circumstances of the transaction and we may give this information to other companies or people investigating the matter. 22. 5 will within 10 business days of us receiving from you complete information and documentation about your dispute including information we may require confirming that your dispute relates to a transaction falling within this section either provide a refund or an explanation for our refusal to do so. We reserve the right to adjust your account accordingly. 23. CHANGES 23. 1 may change any provision of this agreement at any time including fees commissions how we apply payments and benefits and services associated with your account and changes affecting your payment obligations. 23. 2 will inform you at least 2 months in advance of any changes to the terms. You will be deemed to have accepted the changes unless you notify us in writing prior to the date on which the changes will take effect that you do not accept the changes. If you do not accept any changes to this agreement you can end this agreement immediately and at no cost before the date on which the changes will take effect by destroying or returning to us all Cards issued on your account and requesting closure of your account. You will be liable for all charges including fees and late payment charges up to the date you end this agreement. 23. 3 we have made a major change or a lot of minor changes in any one year we may give you an updated copy of this agreement or a summary of the changes. 24. ASSIGNMENT 24. 1 may assign transfer or sell our rights benefits or obligations under this agreement at any time to an 24. 2 we do so or intend to do so you and any Supplementary Cardmembers agree that we can give related party. Your statutory rights will not be affected* 25. SEVERABILITY any provision of this agreement conflicts with any applicable law or regulation that provision will be deemed to be modified or deleted so as to be consistent with law or regulation* This will not affect the parties obligations which will continue as amended* 26. SUSPENSION 26. 1 may immediately stop you or any Supplementary Cardmember from using the Card for security reasons if we suspect unauthorised and/or fraudulent use or if we think you may not be able to pay your account in full and on time. In these cases we may notify you beforehand or immediately afterwards and we may provide you with the reasons for our decision* Cardmembers will still be responsible for all charges on your account. 26. 3 will re-instate your right or the rights of any Supplementary Cardmember to use the Card or provide you or any Supplementary Cardmember with a new Card if the reasons mentioned in this clause for stopping you or any Supplementary Cardmember from using the Card no longer apply and this has been brought to our attention by you. You may contact us on 44 0 1273 868 900. 27. DEFAULT 27. 1 may treat your account as being in default at any time in the event that you fail to comply with your payment is returned or not honoured in full* 27. 2 may also consider your account to be in default at any time if any statement made by you to us in connection with your account was false or misleading you breach any other agreement that you may have with us or with any of our affiliates or if bankruptcy or other creditor proceedings are threatened or initiated against you or we have any reason to believe that you may not be creditworthy. The inclusion of previously billed minimum payments and/or any portion of dishonoured payments shown on a statement will not constitute a waiver by us of any default* 27. 4 the event of any default you and any Supplementary Cardmembers will also be responsible for all reasonable costs incurred by us or our agents including collection collection agency and legal adviser fees and costs in recovering any amounts unpaid and in protecting ourselves from any harm we may suffer as a result of the default* 28. YOU MAY CLOSE YOUR ACCOUNT You may end this agreement at any time by paying off all amounts owing on your account destroying or returning to us all Cards issued on your account stopping use of your account and requesting the closure of your account. 28. 2 will only close your account when you have paid off all amounts you owe us. All fees and interest continue to accrue if outstanding balances exist on a cancelled Card. Any annual fee paid in respect of the year in which your account is closed will subject to the Allocation of Your Payments section your next Card anniversary date. You or a Supplementary Cardmember can cancel a Card issued to a you and the Supplementary Cardmember will continue to be responsible for all charges on the get the Supplementary Card back if this is appropriate. 29. WE MAY CLOSE YOUR ACCOUNT OR CANCEL ANY Card 29. 1 can end this agreement or cancel any or all Cards by giving you 2 months written notice. We may terminate immediately in the event of default* If we take such action you and any Supplementary 29. 2 we end this agreement you and any Supplementary Cardmembers must pay all money you owe us immediately including unbilled charges that may not be shown on your last statement. We will only close your account when you have paid off all amounts you owe us. 29. 3 If your Card is cancelled for any reason all other Cards issued to you will be cancelled at the same time. Your account including recurring charges until your account is no longer used and any recurring charges are stopped* 30. COMMUNICATING WITH YOU Statements notices which includes changes to this agreement disclosures additional copies of this agreement if requested and other communications together called communications will be sent to you electronically or in writing or made available online. You must maintain a valid mailing address and phone number in our records for your account except as set out below. 30. 2 may give you the option of receiving communications electronically instead of by mail* If you enrol any communications for our products and services and all such communications will be considered to have been provided in writing. 30. 3 you enrol in an electronic statement service you and any Supplementary Cardmembers agree that we may send the statement and any other communication including changes to this agreement by any lawfully permitted electronic manner including e-mail posting them on an American Express website through links provided on a statement or other notice by verbal communication through and you agree that it is your responsibility to access all such statements and other communications. 30. 4 mailed communications will be deemed received 8 business days after the date of the mailing unless All you actually receive it earlier or when received in the case of a communication delivered by hand. All electronic communications that we provide including a statement will be deemed to be received on the day that we send the notification e-mail and/or post the electronic communication online even if you do not access the electronic communication for any reason* 30. 5 You must inform us immediately if you change the address or other contact information such as postal we have been unable to deliver any statements or other communications or these have been returned we will consider you in breach of this agreement and we may stop attempting to communicate with you until we receive accurate contact information* We are not responsible for any failure to receive any information for your account appearing in our records or if we do not send the communication because previous communications have been undeliverable. You must inform us if you want an address or other contact information to apply to more than one account with us. You must also inform us of any changes to other information previously provided to us such as information and support documentation that we request or as required by law. 31. NO WAIVER OF OUR RIGHTS we fail to exercise any of our rights under this agreement this will not be a waiver of our rights and will not prevent us from exercising them later. 32. COMPLAINTS AND PROBLEMS WITH GOODS OR SERVICES PURCHASED 32. 1 you have a complaint or problem with a merchant or any goods and services charged to your account you must still pay all charges on your account and settle the dispute directly with the merchant 32. 2 you have any complaints about your account or the service you have received please contact our Customer Relations Department at American Express UK Department 77 Edward Street Brighton East Sussex BN88 1AH UK. 32. 3 you are unable to resolve your complaint with us and have received a final response from us confirming this you may refer it to the Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR 33. ASSIGNMENT OF CLAIMS Although we may have no obligation to do so if we credit your account in relation to your claim against a third party such as a merchant you and any Supplementary Cardmembers are automatically deemed to have assigned and transferred to us any rights and claims excluding tort claims that you and any amount we credited to your account. After we credit your account you and any Supplementary Cardmembers agree not to pursue any claim against or reimbursement from any third party for the amount that we credited to your account. 33. 3 and any Supplementary Cardmembers also agree to cooperate with us if we decide to pursue a third party for the amount credited* Cooperation includes signing any documents and providing any information that we require. Crediting your account on any occasion does not obligate us to do so again* 34. GOVERNING LAW all parties to the agreement. However you agree that we can carry out collection proceedings in any country where you may be living. You are responsible for keeping to any exchange control regulations or the local regulations if they apply to use of the Card and account. 35. TAXES DUTIES AND EXCHANGE CONTROL imposed by law in any country in respect of the Card any charge on your account or any use of the account by you or any Supplementary Cardmember. 36. LIMITATION OF OUR LIABILITY 36. 1 We are not responsible or liable to you or any Supplementary Cardmember for 36. 1. 1 any delay or failure by a merchant to accept the Card goods and services you charge to your account including any dispute with a merchant about 36. 1. 3 costs damages or expenses arising out of our failure to carry out our obligations under any processing failure industrial dispute or other action outside our control and 36. 1. 4 loss of profits or any incidental indirect consequential punitive or special damages regardless of how they arise.