Credit Agreement for Cash Services American Express Form

283289A04 Credit Agreement for Cash Services Dear Cardmember Date Business Unit Project Job Name Item Creative Agency Printer Size H/W AW 06/11/2013 ICSS CASH COVER LETTER Leaflet N/A 297 x 210mm KR We are delighted to provide information in relation to Cash Services which contains 5 items Cash Services Summary Box setting out the key features of the product. Pre-contract information Standard European Consumer Credit Information Additional Explanations about the Credit Agreement for Cash Services Returning your Cash Services Credit Agreement To apply for Cash Services on your Account please print pages 1-10 of the document headed Credit Agreement For Cash Services - Copy to Return and ensure you have completed the following 1. Parties box page 1 please complete the box headed THE CARDMEMBER with your full name and residential address including your postal code 2. The Credit Agreement box page 5 please sign and date the Credit Agreement 3. Return page 1-10 of the signed and dated original agreement to American Express Services Europe Limited International Currency Cards UMC 6003001 Telecom House 125-135 Preston Road Brighton BN1 6AG United Kingdom What happens next Once your completed Credit Agreement is received and approved by us your account will be updated and we will write to you to confirm that cash access has been activated* You have the right to cancel cash access within 14 days starting after the date of our confirmation letter. In some cases we may need further information for example refreshed customer identification documentation and will be in touch as soon as possible to request the information* Important notice Supplementary Cardmembers Please note that once cash access is added to your account all Supplementary Cardmember will be able to make Cash Advances up to the maximum limit allowed on your account per day. In some cases this can be up to 30 000 per day. However Supplementary Cardmembers have no liability to us for Cash Advances. Instead you the Cardmember are liable for all Cash Advances including those made by any Supplementary Cardmember. Yours sincerely Clive Lawson Vice President International Currency Cards American Express QA CSE Schawk London St Marks House Shepherdess Walk London N1 7LH Tel 44 0 20 7861 7777 Fax 44 0 20 7871 7705 format possible. The information contained in this table summarises key product features and is not intended to replace any terms and conditions. For full details please review the terms and conditions. SUMMARY BOX US Dollar Cards Representative 60. 1 APR for a US Dollar Card variable Euro Cards Representative 60. 1 APR variable Sterling Cards Representative 42. 6 APR variable APR Interest Rates No interest is charged on cash advances. No variation of interest rates will apply. Interest Free Period Interest Charging Information Allocation of Payments We will normally apply payments to your account in the following order 1. Applicable Cardmembership fees 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 The minimum amount you must pay us each month is your full outstanding balance on your account including all cash advances. Credit Limit For cash advances this is known as the Cash Limit* We may at our discretion and in compliance with applicable laws decide and inform you of the cash limits applicable to cash advances which may be the maximum amount of cash withdrawals for each transaction day statement period or otherwise that you are permitted to obtain using your card Fees There is no annual fee payable for using the cash advance facility. Charges Cash Fee Copy Statements Foreign Usage Dollar or non-US Dollar or US 4 whichever is the greater Euro Cards 4 of the amount of any Cash Withdrawal Euro or non-Euro or 4 whichever is the greater non-Sterling or 3 whichever is the greater Cards 3 for any additional copy of each statement Sterling Cards 2 for any additional copy of each statement One or more of the following will apply Foreign Transaction Fee Cash Fee in addition to Foreign Transaction Fee Default Charges The rate at which all transactions on your account will be converted can be found at www. Americanexpress. com/eurodollar to each transaction in a currency other than US Dollar Euro Cards We will apply a fee of 2. 7 to than Sterling See Cash Fee quoted under Charges section Late payment fee Returned PRE-CONTRACT CREDIT INFORMATION Standard European Consumer Credit Information SECCI 1. Contact details Creditor Address Telecom House 125-135 Preston Road Brighton BN1 6AG United Kingdom 2. Key features of the credit product The type of credit Running account credit under a credit agreement for cash services regulated by the Consumer Credit Act 1974. The total amount of credit This means the amount of cash advances to be provided under the proposed credit agreement or the total cash advance limit* We will decide and inform you at our discretion of your cash advance limit* This may be the maximum amount of cash advance you can withdraw at once in a day in a statement period or otherwise. We may also limit the maximum aggregate balance of cash advances you can have outstanding at any point in time. We may vary these cash advance limits from time to time. How and when credit would be provided You may use your American Express Charge Card to obtain cash advances at any ATM that accepts the charge card. The duration of the credit agreement Your credit agreement for cash services shall be open ended and will have no fixed duration* As we do not know the amount that you will withdraw or are permitted to withdraw as cash we are obliged by law to make assumptions to help you understand the total amount you will have to pay. And 14 832. 00 for a Sterling Card. This is calculated assuming that you withdraw a cash advance of USD 1 860 / 1 500 / 1 200 on the first day of your credit agreement your payment due date falls at equal monthly intervals starting 1 month after the first day of your you repay the USD 1 860 / 1 500 / 1 200 in full each month on your payment due date you continue to make cash advances of USD 1 860 / 1 500 / 1 200 on the first day of each month and repay them in full each month on your payment due date throughout a 1 year period the cash advance fee shown in the Related Costs section on the USD 1 860 / 1 500 / 1 200 is added to your account and repaid on the same date as each cash advance throughout the 1 year period and you do not incur any other fees or charges. 3. Costs of the credit The borrowing rate s which apply to the credit agreement No interest will be charged on cash advances. Annual Percentage Rate of Charge APR This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers. For accounts with a US Dollar or Euro card the APR is 60. 1. For accounts with a Sterling card the APR is 42. 6. To calculate the APR we have used the same assumptions used to work out the total amount payable in Box 2 above. RELATED COSTS Any other costs deriving from the credit agreement A Return Payment Fee of US 15 for US Dollar cards 15 for Euro cards or 12 for Sterling cards is payable if any payment to your account is not honoured by your financial institution when first presented for any reason* You will also be liable to pay us for all reasonable costs incurred by us or our agents including legal advisors in recovering any amounts unpaid* A Cash Advance Fee of US 4 or 4 for US Dollar cards 4 or 4 for Euro cards or 3 or 3 for Sterling cards of the amount of any cash advance whichever is higher is payable for each cash advance you request. ATM providers may also charge their own fees for cash advances obtained in British Pounds Sterling or in foreign currencies. A Statement Copy Fee of US 4 for US Dollar cards 3 for Euro cards or 2 for Sterling cards 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. A Charge Record Copy Fee of US 5 for US Dollar cards 5 for Euro cards or 3 for Sterling cards is payable If you make a cash advance in a currency other than the currency of the Card it will be converted into the currency of the Card on the date it is processed which may be different to the date of the cash advance and a currency conversation rate will be applied to the cash advance together with a Foreign Transaction Fee of by 3. 00 of the converted US Dollar amount for US Dollar cards 2. 7 of the converted Euro amount for Euro cards or 2. 99 of the converted British Pounds Sterling amount for Sterling cards or as otherwise disclosed by us. Section below. An annual government stamp duty fee of 30 or the equivalent value in US Dollars or Sterling is payable if you are resident in the Republic of Ireland. Conditions under which the above charges can be changed We may change the fees payable under the credit agreement including introducing new fees or when or how we calculate or apply fees for one of the following reasons to respond proportionately to actual or expected changes to our costs of providing the cash services to maintain an appropriate return from our provision of the cash services and to ensure that our business maintains a broadly similar level of profitability and competitiveness to ensure the fees payable continue to reflect the fair value of the cash services which may include aligning our charging arrangements or for any other valid reason as long as you are able to end the credit agreement without charge. We will give you at least 30 days advance personal notice of all changes to your credit agreement referred to in this section unless the change is not to your disadvantage. In this case we will give you personal notice but we may make the change more quickly. 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 the credit agreement you can end the credit agreement and at no cost before the date on which the changes will take effect. Costs in the case of late payments The following Late Payment Fees are payable if we have not received the full outstanding balance shown on your statement i within 30 days of your account statement date 2 and US 25 for US Dollar cards 2 and 25 for Euro cards or 12 for Sterling cards and Consequences of missing payments A number of consequences may arise should you fail to make payment in accordance with your obligations. For example i you may be liable for additional charges or costs ii your credit rating may be affected making it more difficult or expensive for you to get credit in the future iii legal action may be taken against you to recover amounts owing and you may have to pay any associated legal costs iv an application may be made to declare you bankrupt and v if we have the benefit of a charging order we may then seek an order for sale which could mean that your home may be repossessed* 4. Other important legal aspects Right of withdrawal You have the right to withdraw from the credit agreement within a period of 14 calendar days starting the day after we notify you in writing that your credit agreement has been executed* Early repayment At any time before the payment due date shown on your account statement you can pay the full outstanding balance or any part of it if you wish. Consultation with a Credit Reference Agency We will immediately inform you at no cost if your application has been unsuccessful due to the outcome of a credit bureau database review. Right to a draft credit agreement You may ask free of charge for a copy of the credit agreement you wish to apply for by ontacting us. C 5. Additional information in the case of distance marketing of financial services a concerning the creditor Registration number Registered in England and Wales with Company number 1833139. Our Consumer Credit Licence number is 495451. Our payment services registration number is 415532. The Supervisory authority We are licensed to provide credit by the Office of Fair Trading who are the supervisory authority under the Consumer Credit Act 1974. Their address is Fleetbank House 2-6 Salisbury Square ondon EC4Y 8JX. L We are authorised and regulated to provide payment services by the Financial Conduct Authority. Their address is 25 The North Colonnade Canary Wharf London E14 5HS* The law taken by the creditor as a basis for the establishment of relations with you before the onclusion of the credit contract non-exclusive jurisdiction over all parties to the credit agreement. The law applicable to the credit agreement and/or the competent court Language to be used in connection with your agreement If you have any questions about the information contained in this SECCI please contact us on 44 0 1273 868 900 or the number on the back of your Card. C concerning redress Access to out-of-court complaint and redress mechanism If you are unable to resolve a complaint with us and have received a final response from us confirming this and you are not a business customer you have a right to refer your complaint to the Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR or by calling 44 0 845 0801800 or online at enquiries financial-ombudsman*org. Uk. If you are a business customer you may have a right to refer it to the Financial Ombudsman Service. BEFORE YOU APPLY FOR THIS CREDIT PRODUCT PLEASE READ By law we are required to provide you with explanations of your credit agreement for cash services as follows Examples of some of the types of use for which cash advances are not suitable The use of your charge card to obtain cash advances is not intended for regular cash access as a cash advance fee will be charged for each cash advance transaction* For example cash advances should not be used for funding long-term borrowing commitments such as mortgage loan repayments or personal loan repayments. We do not recommend that you apply for cash advances if you are experiencing financial difficulties. The amount you need to repay Details of the fees that apply to your account are explained in section 3 of your SECCI. Certain features of your credit agreement which could have an adverse impact on your repayments those fees as explained in section 3 of your SECCI. If you fail to keep up your repayments in accordance with your credit agreement any one or more of the following consequences could arise future we may then seek an order for sale which could mean that your home may be repossessed* Please refer to section 3 of your SECCI. Your right of withdrawal If you proceed with an application for a credit agreement for cash services you will have a right to withdraw from your credit agreement within 14 calendar days which starts on the day after we have notified you in writing that your credit agreement has been executed* To withdraw from your credit agreement you must telephone us on 44 0 1273 868 900 or the number on the back of your Card or write to us at American Express Services Europe Limited Telecom House 125-135 Preston Road Brighton BN1 6AG UK or the address shown on our website at www. Americanexpress. com/eurodollar. You will need to repay the total sum of all cash advances you have made in full except charges we have added and without delay and no later than 30 calendar days of giving notice of withdrawal* You can use the same payment methods that you can use to make payments under the credit agreement. This copy is for you to retain for your records This Agreement sets out the terms and conditions which apply to the provision of access to cash through your Card. The terms and conditions applying to the other services which we provide to you in relation to your Card are set out in the Charge Card Agreement. Parties Issuer Office Belgrave House 76 Buckingham Palace Road London SW1W 9AX UK. Registered in England and Wales with Number 1833139. Debtor THE CARDMEMBER Important information about your Agreement Rates The Total Amount Payable and Annual Percentage Rate APR The APR and Total Amount Payable are notional figures only calculated on a set of assumptions which are prescribed by law about how you use the Account. The assumptions we have used are on the first day of the Agreement you make a Cash Advance of US 1 860 / 1 500 / 1 200 repay them in full each month on your payment due date throughout a 1 year period The Cash Advance Fee on the US 1 860 / 1 500 / 1 200 is added to your Account and repaid on the same date as each Cash Advance throughout the 1 year period and On the basis of these assumptions the total amount payable over a 12 month period would be US 23 212. 80 for a US Dollar Card 18 720. 00 for a Euro Card and 14 832. 00 for a Sterling Card. The APR would be 60. 1 APR for a US Dollar Card 60. 1 APR for a Euro Card and 42. 6 APR for a The following fees are applicable to your Account. We will apply fees to your Account only once whether these arise under the Charge Card Agreement and/or this Agreement we will not charge you twice in respect of the same event. Cards US Euro Cards 2 and US 25 US 15 US 4 3 of the converted US Dollars amount 2. 7 of the converted Euro amount 2. 99 of the converted British Pounds Sterling amount Equivalent value of 30 in US Dollars of 30 in British Pounds Sterling US 4 or 4 whichever is higher 4 or 4 whichever is higher 3 or 3 if you do not pay the full outstanding balance shown on you have not paid within 60 days 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* 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. A charge record copy fee is payable for each copy you request of a record relating to charges applied to your Account. The amount of the Transaction will be converted into the correct currency please see Converting Transactions made in a foreign currency and you will be charged the specified of the Transaction or as otherwise make a Transaction in a currency other than the currency of your Card. Annual Government Stamp Duty Fee Stamp Duty Fee is payable if of Ireland. for each Cash Advance. 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 Cash Advance limits We may at our discretion decide on and inform you of Cash Advance limits as long as they comply with all applicable laws. We may do this even if your Account is not in default* This may be the maximum amount of cash you can withdraw at once in a day in a statement period or otherwise. We may also limit the maximum aggregate balance of Cash Advances you can have outstanding at any point in time. You agree to manage your Account so that Cash Advances billed to your Account do not exceed these limits where applicable. Withdrawals you can make the amount of a withdrawal and access to other services normally available at that ATM. Making repayments You must pay the full outstanding balance on your Account each month as shown on your statement including all amounts in respect of Cash Advances which should reach us and be credited to your Account by the Payment Due Date which is also shown on your statement. If we request you also agree to pay us any amount by which you have gone over any limits immediately or together with your monthly payment due. Further information about how to make payments is set out in Part 2. Changing the Agreement When and how we make changes calculate or apply fees for one of the following reasons maintains a broadly similar level of profitability and competitiveness our charging arrangements or Account Services this would not be to your disadvantage and if there is no increased cost to you. All other terms of your Agreement We may change any terms not referred to above for any of these reasons we reasonably consider the change would make the terms easier to understand fairer to you or you would not be disadvantaged by it to make reasonable changes to the way we look after your use of the Cash Services as a result of changes in the Banking or financial system technology or the systems we use as a result of actual or anticipated legal or regulatory requirements to ensure that our business is run prudently or Notification of changes section unless the change is not to your disadvantage. In this case we will give you personal notice but we may make the change more quickly. If you do not want to continue the Agreement with the change you can end this Agreement see Ending your Agreement otherwise you will be deemed to have accepted the changes unless you notify us prior to the date on which the changes will take effect that you do not accept the changes. If we do not hear from you all changes will take effect as notified for as long as the Agreement remains in existence. Some other things you need to know Business customers only If you apply for an American Express Business Card we will check the following records about you and your business partners our own records personal and business records at credit reference agencies. They will place a search footprint on your business credit file that may be seen by other lenders. They supply to us both public including the electoral register and shared credit and fraud prevention information records at fraud prevention agencies and for directors credit reference agencies will check that the residential address provided matches the restricted register of directors usual addresses at Companies House. When credit reference agencies receive a search from us they will create a record of the name and address of your business and its proprietors if there is not one already. For the American Express Business Card the Business is jointly and individually liable with you to pay to us when due all Cash Advances on the Account made by you and any Supplementary Cardmember. This means that we can demand payment of the entire balance relating to Cash Advances owing on an This document Part 1 together with Part 2 make up your Agreement. You have a right to withdraw from this Agreement without giving a reason by calling us on 125-135 Preston Road Brighton BN1 6AG United Kingdom or the address shown on our website at that you wish to withdraw from the Agreement. Your right to withdraw starts on the date of your Agreement and ends 14 days after we notify you in writing that the Agreement has been executed* If you withdraw you must pay back all Cash Advances except charges we have added you have made without delay and within 30 days. You can use the same payment methods that you use to make payments under this Agreement. If you do not exercise this right within the period above you will lose your right to withdraw from this Agreement under this provision* For your own benefit and protection you should read these terms carefully before signing them* If you do not understand any point please ask for further information* By signing below you confirm that you are the Cardmember and not a Supplementary Cardmember you agree to the terms of this Agreement you are authorised to sign and bind the Business to the terms of this Agreement. This means that once cash access is added to the American Express Business Card account we can demand payment of all cash advances from you the Cardmember the Business or both and residents of the United States of America* This is a Credit Agreement regulated by the Authorised by AMEX Sign it only if you want to be legally bound by its terms. Signature s of Borrower s Date This is the date of this Agreement Date s of signature s Cardmember Agreement Part 2 of 2 How Your American Express Account Works Introduction About your Credit Agreement and conditions applying to the other services that we provide to you in relation to your Card are set out in the Charge Card Agreement. This Agreement will be concluded when we accept your application in the UK. Cash Services are not available to residents of the United States of America* This is an Agreement for running account credit regulated under the Consumer Credit Act 1974. It is open ended and has no fixed duration* It will continue until you or we end the Agreement in accordance with Parts 1 and 2 make up the Agreement Agreement. You can request a further copy of this Agreement free of charge at any time during the term of the Agreement. Words we use in the Agreement We us and our mean the issuer shown in Part 1. You and your mean the person who uses the Cash Services and with respect to an American Express Business Card include the Business. Business means the company partnership sole trader trust or other entity or person whose name appears on an American Express Business Card. You are the Cardmember. A Supplementary Cardmember is a person to whom we issue a Card on your Charge Card Account. Reference to you and your includes where relevant reference to Supplementary Cardmembers but Supplementary Cardmembers do not have any direct contractual obligations to us under means access to cash under the Cash Services made by using your PIN or as authorised by you. ATMs means any automated teller machine or other process by which you may obtain cash under the terms of this Agreement. A Transaction is any amount added to your Account. Card means any Card or other device that we issue to access your Charge Card Account and to use the Cash provision of the Charge Card Account. To pay by a certain date means to send your payment so that we receive it and credit it to your Account by that date see About your payments. About using your Card Using your Card You may not use your Account for illegal activities or in a manner which disguises the true nature of the Transaction* We may issue you with Cards to replace your existing Cards including different types of Cards. Cards will have an expiry date and you must destroy expired Cards in a way that means they cannot be used e*g* by cutting them into pieces or returning them to us. If your Card is cancelled or suspended for any reason all other Cards issued on your Account may be cancelled or suspended at the same time. Promise to pay Subject to the Theft Loss or Misuse of the Card or Account and errors section of the Agreement you Cash Advances you authorise even if you do not present your Card or sign for the Transaction Cash Advances that other people authorise if you let them use your Account and Authorising and declining Cash Advances You authorise a Cash Advance when you request a Cash Advance using your Account by presenting or providing a Card the Card details or Account details and if required for the Cash Advance entering any Card PIN password personal identifiers or following any other set of procedures. If you did not authorise the Cash Advance at the time you can later confirm your authorisation for it. We may decline to authorise a Cash Advance on reasonable grounds. Reasons we may do this include suspected unauthorised or improper use fraud technical difficulties a requirement by law a court or other competent authority our assessment of your creditworthiness if the use of the Card would beprohibited or because certain types of Cash Advances are not available including if the Cash Advance would exceed a If we do you will normally be told at the point of sale but you may not be. In all cases you can find out about Cash Advances we have refused or any other restrictions imposed on your Card by calling us on We are not responsible for any losses you incur if we do not authorise a Cash Advance. Theft Loss or Misuse of the Card or Account and errors Keep your Card safe and do not let anyone else use it. This means you must sign the Card if applicable and keep the Card in your possession and secure including using device passcodes where applicable not let others use your Card and regularly check you still have the Card not give your Card Account details PIN or other passwords to anyone else other than when you are authorising a Cash Advance and do not let others see them when you use them choose a PIN or password that is not easy to guess. You must always check each statement for accuracy when you receive it. You must still do this even if you have asked us to send statements to your Bank as set in your Charge Card Agreement. You must tell us immediately by telephone on 44 0 1 273 868 900 if you suspect a Card has been lost or stolen or not received someone else knows a Card PIN or other security code or your Account or Card is being misused or used without your authorisation or a Cash Advance on your Account has not been authorised or has been processed incorrectly. Once you have told us about any of the above we will cancel the Card and a replacement Card will be issued* You will not be responsible for any unauthorised Cash Advances incurred before you receive the Card which was used* In the case of unauthorised Cash Advances you may be responsible for a maximum of 50 of Cash Advances or the equivalent value in US Dollars or Euros where you or a Supplementary Cardholder have not allowed someone else to use your Account or Card. If the Card or Account usage was allowed you may be responsible for all Cash Advances which occur before you tell us you suspect your Account is being misused* If you act dishonestly you will be responsible for all Cash Advances. If there are errors in a Cash Advance and this is our fault we will reverse the Cash Advance and restore If upon contacting us you wish to dispute a Cash Advance we will initiate an inquiry and may suspend the complete we will adjust your Account accordingly. About your payments How to make payments Payments for Cash Advances must be made as part of the overall payment due for your Account in accordance with the terms and conditions set out in your Charge Card Agreement. How we apply payments and credits were billed* We will apply payments in the following order of priority Cardmembership fees applicable to your Account service charges other purchases and cash fees charged by us that appear as a separate item on your monthly statement for example returned payment fees and statement copy fees collection charges and charges such as Transactions that have not yet appeared on your monthly statement. About Supplementary Cardmembers You are responsible for all use of your Account to make Cash Advances by Supplementary Cardmembers and anyone they allow to use your Account. As it deals with using or dealing with a Card or authorising Cash Advances. Converting Transactions made in a foreign currency If you or a Supplementary Cardmember makes a Cash Advance in a currency other than the currency of your Card it will be converted into the currency of your Card on the date it is processed which may be different to the date of the Cash Advance. If you hold a Euro Card or Sterling Card and the foreign currency Cash Advance is not in US Dollars it will first be converted into US Dollars and then into Euros or British Pounds Sterling as applicable. However only one Foreign Exchange Fee will be payable. Unless a particular rate is required by law conversion rates will be used which are based on interbank rates selected from customary industry sources on the business day prior to the processing date called the Cash Advance. Fluctuations can be significant. If Cash Advance amounts 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* The American Express Exchange Rate is set daily. Changes in the rate will be applied immediately and without notice to you. For Cardmembers whom have enrolled for online Account services at accessed through your online Account. Alternatively the rate can be found by calling us on 44 0 1273 868 900 or the number shown on the back of your Card. Ending your Agreement You may end this Agreement at any time by calling us or writing to us with 30 days notice. You agree that your Agreement will end and you will no longer have access to Cash Services if your Charge Card Agreement is terminated for any reason you cancel your Card and apply for another Card that is not an American Express Charge Premium Card. We may end this Agreement immediately if you are in default see About Default. We may also end this Agreement by giving you at least two months written notice without any explanation being required* We will always follow any legal requirements to provide you with notices before we end the Agreement. The Agreement will only come to an end once you have paid off all amounts you owe us. Until this time all of the terms of the Agreement will continue to apply including our right to change the terms of the Agreement but you will have no rights under it to use the Account to make Cash Advances and you will not be entitled to any benefits that are included with it. Cancelling or suspending your use of Cash Services We may immediately cancel or suspend your use of the Cash Services i*e* permanently or temporarily stop you and/or a Supplementary Cardmember from using your Card to make Cash Advances and prevent you from accessing any services offered under this Agreement or withdraw or not reissue any Card. If we do any of these you must still pay us for all Cash Advances under the terms of this Agreement. We may do any of these things for security reasons in the event you default 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 on time for example if you die or are made Bankrupt. We will normally notify youbeforehand or immediately afterwards and may provide you with the reasons. If your Account is cancelled or suspended you must not use the Cash Services. We may agree to reinstate your use of the Cash Services after we have stopped you from using them if the reasons we restricted your use in the first place are no longer present. You can tell us this is the case and request reinstatement by calling us on 44 0 1273 868 900. About default We may consider your Account to be in default if you seriously or persistently fail to comply with this Agreement you give us false or misleading information steps are taken to make you Bankrupt or to make you the subject of any form of debt relief process or to commence insolvency proceedings you default under another agreement you have with us or an affiliate you become incapacitated or die or we have reasonable grounds to believe you are unable or unwilling to pay your debts when due. Missing payments could mean you have to pay additional charges or costs your credit rating may be affected making obtaining credit more difficult or expensive legal action may be taken against you an application may be made to make you bankrupt or if we obtain a charging order we may obtain an order for sale which could lead to your home being repossessed* Sending you statements notices and other communications We will provide you with or make available to you information relating to Cash Advances on your Account through your monthly Account statements. You agree to all types of communications and notices in relation to this Agreement being sent to you as set out in the Charge Card Agreement. In particular if you enrol for online statements or you agree in another way to receive electronic notices from us you agree that we will send you statements and other notices to the last email address you provided to us by posting them to our secure website address orby making them available to you in any other lawfully permitted manner. If you have not enrolled for online statements and sometimes even if you have we will send you statements and notices by post addressed to you at the latest billing address on our records. Changing your contact details You must notify us immediately in writing or by calling us on the number shown on our website number your main residential address and/or country of residence or the mailing address or email address to which we send statements or notices. If we have been unable to deliver any statements or other communications or these have been returned we may stop attempting to communicate with you until we receive accurate contact information* We are not responsible for any failure to receive any communication including a statement if we send it to the address or if we do not send the communication because previous We may update your contact details if we receive information that they have changed or are incorrect. Assigning the Agreement We may sell transfer or assign this Agreement and your Account. We may do so at any time without notifying you unless we are required to notify you by law. You may not sell assign or transfer your Account or any of your obligations under this Agreement. Set Off We may at any time as a continuous right without notice or demand set off against any credit on your Account any amount due by you to us on any other Account in whatever currency you have with us until your liability for the amount owed is fully satisfied and discharged* Complaints about us If you have a complaint about Cash Services or the service you have received please contact us at our current address ICC Complaints Department Telecom House 125-135 Preston Road Brighton BN1 6AG United Kingdom or the address shown on our website at www. Americanexpress. com/eurodollar or by calling us on 44 0 1273 868 900 or the number on the back of your Card. Quay Plaza 183 Marsh Wall London E14 9SR* If you are a business customer you may have a right to refer it to the Financial Ombudsman Service. Number 415532. We do not waive our rights We may choose to delay enforcing or to not exercise rights under this Agreement. If we do this we do not waive our rights to exercise or enforce them on any other occasion* Language and governing law 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 in any currency as imposed by law which may be different from the currency of your Account in any country in respect of the Card any Transaction on your Account or any use of the Account by you or any Supplementary Cardmember. We may if required by law pay such tax duty or other amount on your behalf and debit the respective amount from your Account. Limitations on our liability If we break this Agreement we will not be liable to you for losses and costs caused by abnormal or unforeseeable events that we cannot reasonably control and which would have been unavoidable despite all reasonable efforts to prevent the event happening. For example this may include malfunction of the Card or an ATM preventing your use of the Cash Services. Authority under the Payment Services Regulations 2009 reference number 415532 for the provision of payment services. This is a copy of your agreement for you to return to American Express. The agreement is made up of 10 pages. Please complete the THE CARDMEMBER box with your full name and residential address including your postal code on this page and sign and date the Credit Agreement on page 5. Once completed and signed please send all ten pages of the Credit Agreement For Cash Services - Copy to Return to American Express Services Europe Limited International Currency Cards UMC 6003001 Telecom House Limited Registered Office Belgrave House 76 Buckingham Palace Road England and Wales with Number 1833139. Days of your statement date and again if you have not paid within 60 days of your statement date. honoured by your financial institution when first copy of a statement you request or if you have enrolled in online you request of a record relating to charges applied to your Account. Transaction will be converted into the correct currency please see Converting foreign currency and you will be charged the specified as otherwise disclosed by us if you choose to make a Transaction in a currency Republic of Ireland. Or the number on the back of your Card or by writing to us at Telecom House 125-135 Preston Road Brighton stating your name address and Account number and informing us that you wish to withdraw from the Agreement. Your right to withdraw starts on the date of your Agreement and ends 14 days after we notify you in writing that the Agreement has been executed* terms. Advances means access to cash under the Cash Services made by using your PIN or as authorised by you. ATMs means any automated teller machine or other process by which you may obtain cash under the terms of this Agreement. A Transaction is any amount added to your Account. Advances we have refused or any other restrictions imposed on your Card by calling us on 44 0 1273 868 900.