Common use of Enrolment and Fees Clause in Contracts

Enrolment and Fees. Enrolment and Fees If you have one of the American Express-issued cards (Card or Cards) set out below, the annual fee shown will be applied to your Card Account as a purchase transaction the day after you initially enrol in the Programme and on or shortly after the anniversary of that date each year. If you have a green charge Card (which is not a corporate or a small business Card), and payment of your Cardmembership fee does not already entitle you to participate in the Programme, for each year that you participate in the Programme, you will be charged an annual fee of £24 including VAT for participation in the Programme. If you have a corporate Card (other than a platinum corporate Card), for each year that you participate in the Programme, you will be charged an annual fee of £36 including VAT for participation in the Programme. You may exit the Programme, and the agreement governed by these Terms and Conditions, at any time. Please see the What happens if you close your Card Account? section below in relation to what happens to your Points when you exit the Programme. About earning Points How you earn Points You earn a set amount of Points for each pound of eligible spending on your Card Account. The number of Points per pound is referred to as your Earn Rate and will be shown on your Card Account statement. From time to time, we may tell you about promotional Earn Rates or permit you to earn more Points per pound for certain purchases or other forms of promotion relating to the earning of Points. We may contact you about this to ensure that you can benefit from the Programme (as explained in the Additional benefits and other products' section of your Card Account Agreement). We will maintain a points account for you. Points are earned on every full pound spent in each purchase and will be added to your points account (Points Account). We will tell you the balance in your Points Account on your Card Account statement. The value of each purchase will be rounded down to the nearest pound before Points are calculated. Under your Card Account Agreement, you are able to request supplementary Cards for supplementary Cardmembers. Unless you have a corporate Card (in which case you cannot have a supplementary Cardmember on your Points Account), Cards issued to supplementary Cardmembers on your Card Account will also earn Points. Linked Card Accounts If you have more than one Card Account (as the main Cardmember) under the terms of which you are eligible to be enrolled in the Programme (including a corporate Card), you can ask that the Card Accounts are 'linked' in order that Points earned on all your Card Accounts will go into the same Points Account (Linked Card Accounts) provided that they have the same Earn Rate and are billed in the same currency. Points earned on your corporate Card shall accrue into your individual Points Account, and not into any account of your employer. We reserve the right to de-link your Card Accounts at any time and we will tell you before we do. Which Card Account balances do not earn No Points will be earned on: • interest, fees (including default fees), balance transfers, cash advances (including Points? transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions; and • any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credits. Note that if Points are earned on a transaction that is later refunded, those Points will be lost. About redeeming Points How do you redeem Points? The types of Rewards available are subject to change. Those available to you at any time will be shown on our website at xxxxxxxxxxxxxxxxx.xx.xx. We may contact you with other offers on Rewards from time to time. There may be some addresses (normally overseas) to which we are not able to ship certain Rewards. You cannot redeem Points for cash or to make a general credit to your Card Account, although you can use Points to apply a credit against certain eligible transactions and to make purchases via our website (see 'Redeem points by way of credit against Eligible Transactions on your Card Account or to make purchases using Pay with Points' below). Supplementary Cardmembers cannot redeem Points on your behalf. You cannot redeem Points for as long as you are late in making payment on your Card Account. Once your Card Account is up to date, and provided it has not been cancelled by us, you will once again be able to redeem points, but please see the Losing your Points section below. Once you have redeemed your Points this is non-reversible and any redemption is non- transferable. In order to redeem Points, please visit xxxxxxxxxxxxxxxxx.xx.xx and log in to your Online Services or call Customer Services using the number on the back of your Card. Redeem points by way of credit against Eligible Transactions on your Card Account or to make purchases using Pay with Points You can use your Points to apply a credit to your Card Account against certain fees and/or purchases that we confirm as being eligible (Eligible Transactions). The rate at which we convert Points may vary and we will tell you what the conversion rate is when you arrange the redemption. The conversion rate is also on our website. The credit will appear on your Card Account approximately three (3) days after you have asked us to redeem the Points, but may not appear on the same Card Account statement as the Eligible Transaction. You cannot redeem Points by way of credit against Eligible Transactions on your Card Account if you have a credit balance on your Card Account or if you are late in making payment on your Card Account. If you redeem Points in this way, you must still pay the amount due on your Card Account statement. Minimum redemption thresholds will apply per Eligible Transaction, and we will confirm the applicable minimum when you arrange the redemption. You may also be able to use your Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to pay with Points. The purchase may initially be charged to your Card Account as a normal purchase. If so, we will then debit the Points from your Points Account and credit your Card Account with the corresponding amount. Credits to your Card Account may not be made and appear in the same statement period as the original purchase. If the Points redeemed do not cover the entire amount of the purchase, the outstanding balance of the purchase price will remain on your Card Account. Any refunds for purchases made using Pay with Points will be subject to the retailer's own refund policies. Transfer Points to other Loyalty Programmes You can opt for some or all of your Points to be added to a separate account with an American Express partner airline, retail or hotel loyalty programme (Loyalty Programme). Further information regarding these Loyalty Programmes can be found on our website or by contacting Customer Services. You can ask us to transfer Points to your Loyalty Programme on our website or by contacting Customer Services. To be able to do this, you must first link your Points Account to the Loyalty Programme account in your name. We will tell you how to do this when you contact us, or you can do it online via our website. Visit our website at xxxxxxxxxxxxxxxxx.xx.xx/xxxxxx for more information on transferring Points to Loyalty Programmes. Travel bookings You can redeem Points for travel booked through American Express Travel Services. If you redeem Points for travel, you are responsible for taxes, booking fees, airport fees, insurance premiums, and any other service fees and charges relating to a travel booking. Please note, the travel insurance benefits that you may have as part of your Card benefits may not cover the travel booked with Points. Please see the Terms and Conditions of any Card travel insurance benefits for full details. Concierge bookings You can redeem Points for concierge services through American Express Concierge if your Card allows this service. All concierge bookings are subject to availability. Other types of Reward All Rewards are subject to availability. You can redeem Points for goods, tickets, gift cards, vouchers, E-Codes (codes to redeem for goods or services online), including for car rentals and hotels and contributions to charities selected by you from a list that we make available to you. All Rewards are provided by third parties and not by us, our affiliates or our subsidiaries. You should check the Terms and Conditions that are presented to you when redeeming your points for important conditions such as expiry dates and any refund policies. About purchasing Points How do you purchase Points? Unless you only have a corporate Card enrolled in the Programme, you can purchase extra Points. You must purchase Points in increments of one thousand (1,000) Points with a minimum purchase of one thousand (1,000) Points. You can purchase extra Points up to a maximum of ten thousand (10,000) per year. If you want to purchase Points, we will tell you the purchase cost when you contact us. We may impose different maximum and minimum purchase costs from time to time. In order to purchase Points, please call Customer Services using the number on the back of your Card. When you might lose Points you have earned Losing your Points If you miss a monthly payment on your Card Account, the Points that you have earned in the previous month will be forfeited and taken away from the balance of your Points Account (which may result in a negative Points balance). You will start earning Points again from each statement date but they will continue to be forfeited whenever the relevant monthly payment is not made by the payment due date. What happens if you close your Card Account? If you close your Card Account and there are no other Linked Card Accounts on your Points Account, you will have thirty (30) days from the date you tell us that you are closing the Card Account to redeem your Points. If you hold a corporate Card and your employer requests that your participation in the Programme is cancelled, you will have thirty (30) days from the date we receive the request to redeem any Points that have not already been linked to another Points Account. If you do not redeem your Points within thirty (30) days, they will be forfeited. If you close your Card Account and leave at least one other Linked Card Account in the Programme open, you will continue to earn Points in your Points Account through any Linked Card Account(s). What happens if we close your Card Account? If we close your Card Account in accordance with the Card Account Agreement, we will withdraw you from the Programme and you will lose any Points that you have earned. Other important information Management by a Bank or Third Party Nominee If you have told us that a bank will be managing your Card Account (private banking Cardmembers only) on your behalf (your Bank), you agree that we can accept instructions from your Bank in relation to your participation in the Programme and that you will be bound by such instructions. Similarly, if we have permitted you to nominate a third party to whom you have granted the authority to service your participation in the Programme on your behalf, we will accept that person as your Third Party Nominee and you agree that we can accept instructions from your Third Party Nominee in relation to your participation in the Programme and that you will be bound by such instructions. In either case, this does not mean that it is no longer your responsibility to carry out your obligations under these Terms and Conditions, so references to ‘you’ or ‘your’ still include you the Cardmember, even though the Bank or Third Party Nominee may do certain things on your behalf. If your Bank is managing your Card Account, when we need to send you a notice or other communication, you agree that sending this to your Bank will satisfy our obligation to send it to you, although we are still allowed to contact you directly if necessary. We may, where we determine it is reasonably necessary, such as where we suspect fraudulent activity, refuse to act on the instructions of the Bank or the Third Party Nominee and contact you directly to confirm the instructions we have received. You may withdraw your consent to the Bank managing your Card Account at any stage, in which case the Bank will no longer manage your participation in the Programme. Should you choose to withdraw such consent, you must, as soon as practicable, notify American Express of such withdrawal by contacting us using the number on the back of your Card. Likewise, you may withdraw your consent to the Third Party Nominee servicing your participation in the Programme at any time by contacting us in the same way. We will assume that a Bank and/or Third Party Nominee is authorised by you until you notify us of your withdrawal of that consent. Please note that in certain circumstances we may obtain information about you or disclose your personal information to your Bank or your Third Party Nominee. You can find further information about this in the ‘your personal information’ section in your Card Account Agreement.

Enrolment and Fees. Enrolment and Fees If you have one of the American Express-issued cards (Card or Cards) set out below, the annual fee shown will be applied to your Card Account as a purchase transaction the day after you initially enrol in the Programme and on or shortly after the anniversary of that date each year. If you have a green charge Card (which is not a corporate or a small business Card), and payment of your Cardmembership fee does not already entitle you to participate in the Programme, for each year that you participate in the Programme, you will be charged an annual fee of £24 including VAT for participation in the Programme. If you have a corporate Card (other than a platinum corporate Card), for each year that you participate in the Programme, you will be charged an annual fee of £36 including VAT for participation in the Programme. You may exit the Programme, and the agreement governed by these Terms and Conditions, at any time. Please see the What happens if you close your Card Account? section below in relation to what happens to your Points when you exit the Programme. About earning Points How you earn Points You earn a set amount of Points for each pound of eligible spending on your Card Account. The number of Points per pound is referred to as your Earn Rate and will be shown on your Card Account statement. From time to time, we may tell you about promotional Earn Rates or permit you to earn more Points per pound for certain purchases or other forms of promotion relating to the earning of Points. We may contact you about this to ensure that you can benefit from the Programme (as explained in the Additional benefits and other products' section of your Card Account Agreement). We will maintain a points account for you. Points are earned on every full pound spent in each purchase and will be added to your points account (Points Account). We will tell you the balance in your Points Account on your Card Account statement. The value of each purchase will be rounded down to the nearest pound before Points are calculated. Under your Card Account Agreement, you are able to request supplementary Cards for supplementary Cardmembers. Unless you have a corporate Card (in which case you cannot have a supplementary Cardmember on your Points Account), Cards issued to supplementary Cardmembers on your Card Account will also earn Points. Linked Card Accounts If you have more than one Card Account (as the main Cardmember) under the terms of which you are eligible to be enrolled in the Programme (including a corporate Card), you can ask that the Card Accounts are 'linked' in order that Points earned on all your Card Accounts will go into the same Points Account (Linked Card Accounts) provided that they have the same Earn Rate and are billed in the same currency. Points earned on your corporate Card shall accrue into your individual Points Account, and not into any account of your employer. We reserve the right to de-link your Card Accounts at any time and we will tell you before we do. Which Card Account balances do not earn No Points will be earned on: do not earn Points? • interest, fees (including default fees), balance transfers, cash advances (including Points? transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions; and • any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credits. Note that if Points are earned on a transaction that is later refunded, those Points will be lost. About redeeming Points How do you redeem Points? The types of Rewards available are subject to change. Those available to you at any time will be shown on our website at xxxxxxxxxxxxxxxxx.xx.xx. We may contact you with other offers on Rewards from time to time. There may be some addresses (normally overseas) to which we are not able to ship certain Rewards. You cannot redeem Points for cash or to make a general credit to your Card Account, although you can use Points to apply a credit against certain eligible transactions and to make purchases via our website (see 'Redeem points by way of credit against Eligible Transactions on your Card Account or to make purchases using Pay with Points' below). Supplementary Cardmembers cannot redeem Points on your behalf. You cannot redeem Points for as long as you are late in making payment on your Card Account. Once your Card Account is up to date, and provided it has not been cancelled by us, you will once again be able to redeem points, but please see the Losing your Points section below. Once you have redeemed your Points this is non-reversible and any redemption is non- transferable. In order to redeem Points, please visit xxxxxxxxxxxxxxxxx.xx.xx and log in to your Online Services or call Customer Services using the number on the back of your Card. Redeem points by way of credit against Eligible Transactions on your Card Account or to make purchases using Pay with Points You can use your Points to apply a credit to your Card Account against certain fees and/or purchases that we confirm as being eligible (Eligible Transactions). The rate at which we convert Points may vary and we will tell you what the conversion rate is when you arrange the redemption. The conversion rate is also on our website. The credit will appear on your Card Account approximately three (3) days after you have asked us to redeem the Points, but may not appear on the same Card Account statement as the Eligible Transaction. You cannot redeem Points by way of credit against Eligible Transactions on your Card Account if you have a credit balance on your Card Account or if you are late in making payment on your Card Account. If you redeem Points in this way, you must still pay the amount due on your Card Account statement. Minimum redemption thresholds will apply per Eligible Transaction, and we will confirm the applicable minimum when you arrange the redemption. You may also be able to use your Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to pay with Points. The purchase may initially be charged to your Card Account as a normal purchase. If so, we will then debit the Points from your Points Account and credit your Card Account with the corresponding amount. Credits to your Card Account may not be made and appear in the same statement period as the original purchase. If the Points redeemed do not cover the entire amount of the purchase, the outstanding balance of the purchase price will remain on your Card Account. Any refunds for purchases made using Pay with Points will be subject to the retailer's own refund policies. Transfer Points to other Loyalty Programmes You can opt for some or all of your Points to be added to a separate account with an American Express partner airline, retail or hotel loyalty programme (Loyalty Programme). Further information regarding these Loyalty Programmes can be found on our website or by contacting Customer Services. You can ask us to transfer Points to your Loyalty Programme on our website or by contacting Customer Services. To be able to do this, you must first link your Points Account to the Loyalty Programme account in your name. We will tell you how to do this when you contact us, or you can do it online via our website. Visit our website at xxxxxxxxxxxxxxxxx.xx.xx/xxxxxx for more information on transferring Points to Loyalty Programmes. Travel bookings You can redeem Points for travel booked through American Express Travel Services. If you redeem Points for travel, you are responsible for taxes, booking fees, airport fees, insurance premiums, and any other service fees and charges relating to a travel booking. Please note, the travel insurance benefits that you may have as part of your Card benefits may not cover the travel booked with Points. Please see the Terms and Conditions of any Card travel insurance benefits for full details. Concierge bookings You can redeem Points for concierge services through American Express Concierge if your Card allows this service. All concierge bookings are subject to availability. Other types of Reward All Rewards are subject to availability. You can redeem Points for goods, tickets, gift cards, vouchers, E-Codes (codes to redeem for goods or services online), including for car rentals and hotels and contributions to charities selected by you from a list that we make available to you. All Rewards are provided by third parties and not by us, our affiliates or our subsidiaries. You should check the Terms and Conditions that are presented to you when redeeming your points Points for important conditions such as expiry dates and any refund policies. About purchasing Points How do you purchase Points? Unless you only have a corporate Card enrolled in the Programme, you can purchase extra Points. You must purchase Points in increments of one thousand (1,000) Points with a minimum purchase of one thousand (1,000) Points. You can purchase extra Points up to a maximum of ten thousand (10,000) per year. If you want to purchase Points, we will tell you the purchase cost when you contact us. We may impose different maximum and minimum purchase costs from time to time. In order to purchase Points, please call Customer Services using the number on the back of your Card. When you might lose Points you have earned Losing your Points If you miss a monthly payment on your Card Account, the Points that you have earned in the previous month will be forfeited and taken away from the balance of your Points Account (which may result in a negative Points balance). You will start earning Points again from each statement date but they will continue to be forfeited whenever the relevant monthly payment is not made by the payment due date. What happens if you close your Card Account? If you close your Card Account and there are no other Linked Card Accounts on your Points Account, you will have thirty (30) days from the date you tell us that you are closing the Card Account to redeem your Points. If you hold a corporate Card and your employer requests that your participation in the Programme is cancelled, you will have thirty (30) days from the date we receive the request to redeem any Points that have not already been linked to another Points Account. If you do not redeem your Points within thirty (30) days, they will be forfeited. If you close your Card Account and leave at least one other Linked Card Account in the Programme open, you will continue to earn Points in your Points Account through any Linked Card Account(s). What happens if we close your Card Account? If we close your Card Account in accordance with the Card Account Agreement, we will withdraw you from the Programme and you will lose any Points that you have earned. Other important information Management by a Bank or Third Party Nominee If you have told us that a bank will be managing your Card Account (private banking Cardmembers only) on your behalf (your Bank), you agree that we can accept instructions from your Bank in relation to your participation in the Programme and that you will be bound by such instructions. Similarly, if we have permitted you to nominate a third party to whom you have granted the authority to service your participation in the Programme on your behalf, we will accept that person as your Third Party Nominee and you agree that we can accept instructions from your Third Party Nominee in relation to your participation in the Programme and that you will be bound by such instructions. In either case, this does not mean that it is no longer your responsibility to carry out your obligations under these Terms and Conditions, so references to ‘you’ or ‘your’ still include you the Cardmember, even though the Bank or Third Party Nominee may do certain things on your behalf. If your Bank is managing your Card Account, when we need to send you a notice or other communication, you agree that sending this to your Bank will satisfy our obligation to send it to you, although we are still allowed to contact you directly if necessary. We may, where we determine it is reasonably necessary, such as where we suspect fraudulent activity, refuse to act on the instructions of the Bank or the Third Party Nominee and contact you directly to confirm the instructions we have received. You may withdraw your consent to the Bank managing your Card Account at any stage, in which case the Bank will no longer manage your participation in the Programme. Should you choose to withdraw such consent, you must, as soon as practicable, notify American Express of such withdrawal by contacting us using the number on the back of your Card. Likewise, you may withdraw your consent to the Third Party Nominee servicing your participation in the Programme at any time by contacting us in the same way. We will assume that a Bank and/or Third Party Nominee is authorised by you until you notify us of your withdrawal of that consent. Please note that in certain circumstances we may obtain information about you or disclose your personal information to your Bank or your Third Party Nominee. You can find further information about this in the ‘your personal information’ section in your Card Account Agreement.

Enrolment and Fees. Enrolment and Fees If you have one of the American Express-issued cards (Card or Cards) set out below, the annual fee shown will be applied to your Card Account as a purchase transaction the day after you initially enrol in the Programme and on or shortly after the anniversary of that date each year. If you have a green charge Card (which is not a corporate or a small business Card), and payment of your Cardmembership fee does not already entitle you to participate in the Programme, for each year that you participate in the Programme, you will be charged an annual fee of £24 including VAT for participation in the Programme. If you have a corporate Card (other than a platinum corporate Card), for each year that you participate in the Programme, you will be charged an annual fee of £36 including VAT for participation in the Programme. You may exit the Programme, and the agreement governed by these Terms and Conditions, at any time. Please see the What happens if you close your Card Account? section below in relation to what happens to your Points when you exit the Programme. About earning Points How you earn Points You earn a set amount of Points for each pound of eligible spending on your Card Account. The number of Points per pound is referred to as your Earn Rate and will be shown on your Card Account statement. From time to time, we may tell you about promotional Earn Rates or permit you to earn more Points per pound for certain purchases or other forms of promotion relating to the earning of Points. We may contact you about this to ensure that you can benefit from the Programme (as explained in the Additional benefits and other products' section of your Card Account Agreement). We will maintain a points account for you. Points are earned on every full pound spent in each purchase and will be added to your points account (Points Account). We will tell you the balance in your Points Account on your Card Account statement. The value of each purchase will be rounded down to the nearest pound before Points are calculated. Under your Card Account Agreement, you are able to request supplementary Cards for supplementary Cardmembers. Unless you have a corporate Card (in which case you cannot have a supplementary Cardmember on your Points Account), Cards issued to supplementary Cardmembers on your Card Account will also earn Points. Linked Card Accounts If you have more than one Card Account (as the main Cardmember) under the terms of which you are eligible to be enrolled in the Programme (including a corporate Card), you can ask that the Card Accounts are 'linked' in order that Points earned on all your Card Accounts will go into the same Points Account (Linked Card Accounts) provided that they have the same Earn Rate and are billed in the same currency. Points earned on your corporate Card shall accrue into your individual Points Account, and not into any account of your employer. We reserve the right to de-link your Card Accounts at any time and we will tell you before we do. Which Card Account balances do not earn Points? No Points will be earned on: • interest, fees (including default fees), balance transfers, cash advances (including Points? transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions; and • any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credits. Note that if Points are earned on a transaction that is later refunded, those Points will be lost. About redeeming Points How do you redeem Points? The types of Rewards available are subject to change. Those available to you at any time will be shown on our website at xxxxxxxxxxxxxxxxx.xx.xx. We may contact you with other offers on Rewards from time to time. There may be some addresses (normally overseas) to which we are not able to ship certain Rewards. You cannot redeem Points for cash or to make a general credit to your Card Account, although you can use Points to apply a credit against certain eligible transactions and to make purchases via our website (see 'Redeem points by way of credit against Eligible Transactions on your Card Account or to make purchases using Pay with Points' below). Supplementary Cardmembers cannot redeem Points on your behalf. You cannot redeem Points for as long as you are late in making payment on your Card Account. Once your Card Account is up to date, and provided it has not been cancelled by us, you will once again be able to redeem points, but please see the Losing your Points section below. Once you have redeemed your Points this is non-reversible and any redemption is non- transferable. In order to redeem Points, please visit xxxxxxxxxxxxxxxxx.xx.xx and log in to your Online Services or call Customer Services using the number on the back of your Card. Redeem points by way of credit against Eligible Transactions on your Card Account or to make purchases using Pay with Points You can use your Points to apply a credit to your Card Account against certain fees and/or purchases that we confirm as being eligible (Eligible Transactions). The rate at which we convert Points may vary and we will tell you what the conversion rate is when you arrange the redemption. The conversion rate is also on our website. The credit will appear on your Card Account approximately three (3) days after you have asked us to redeem the Points, but may not appear on the same Card Account statement as the Eligible Transaction. You cannot redeem Points by way of credit against Eligible Transactions on your Card Account if you have a credit balance on your Card Account or if you are late in making payment on your Card Account. If you redeem Points in this way, you must still pay the amount due on your Card Account statement. Minimum redemption thresholds will apply per Eligible Transaction, and we will confirm the applicable minimum when you arrange the redemption. You may also be able to use your Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to pay with Points. The purchase may initially be charged to your Card Account as a normal purchase. If so, we will then debit the Points from your Points Account and credit your Card Account with the corresponding amount. Credits to your Card Account may not be made and appear in the same statement period as the original purchase. If the Points redeemed do not cover the entire amount of the purchase, the outstanding balance of the purchase price will remain on your Card Account. Any refunds for purchases made using Pay with Points will be subject to the retailer's own refund policies. Transfer Points to other Loyalty Programmes You can opt for some or all of your Points to be added to a separate account with an American Express partner airline, retail or hotel loyalty programme (Loyalty Programme). Further information regarding these Loyalty Programmes can be found on our website or by contacting Customer Services. You can ask us to transfer Points to your Loyalty Programme on our website or by contacting Customer Services. To be able to do this, you must first link your Points Account to the Loyalty Programme account in your name. We will tell you how to do this when you contact us, or you can do it online via our website. Visit our website at xxxxxxxxxxxxxxxxx.xx.xx/xxxxxx for more information on transferring Points to Loyalty Programmes. Travel bookings You can redeem Points for travel booked through American Express Travel Services. If you redeem Points for travel, you are responsible for taxes, booking fees, airport fees, insurance premiums, and any other service fees and charges relating to a travel booking. Please note, the travel insurance benefits that you may have as part of your Card benefits may not cover the travel booked with Points. Please see the Terms and Conditions of any Card travel insurance benefits for full details. Concierge bookings You can redeem Points for concierge services through American Express Concierge if your Card allows this service. All concierge bookings are subject to availability. Other types of Reward All Rewards are subject to availability. You can redeem Points for goods, tickets, gift cards, vouchers, E-Codes (codes to redeem for goods or services online), including for car rentals and hotels and contributions to charities selected by you from a list that we make available to you. All Rewards are provided by third parties and not by us, our affiliates or our subsidiaries. You should check the Terms and Conditions that are presented to you when redeeming your points Points for important conditions such as expiry dates and any refund policies. About purchasing Points How do you purchase Points? Unless you only have a corporate Card enrolled in the Programme, you can purchase extra Points. You must purchase Points in increments of one thousand (1,000) Points with a minimum purchase of one thousand (1,000) Points. You can purchase extra Points up to a maximum of ten thousand (10,000) per year. If you want to purchase Points, we will tell you the purchase cost when you contact us. We may impose different maximum and minimum purchase costs from time to time. In order to purchase Points, please call Customer Services using the number on the back of your Card. When you might lose Points you have earned Losing your Points If you miss a monthly payment on your Card Account, the Points that you have earned in the previous month will be forfeited and taken away from the balance of your Points Account (which may result in a negative Points balance). You will start earning Points again from each statement date but they will continue to be forfeited whenever the relevant monthly payment is not made by the payment due date. What happens if you close your Card Account? If you close your Card Account and there are no other Linked Card Accounts on your Points Account, you will have thirty (30) days from the date you tell us that you are closing the Card Account to redeem your Points. If you hold a corporate Card and your employer requests that your participation in the Programme is cancelled, you will have thirty (30) days from the date we receive the request to redeem any Points that have not already been linked to another Points Account. If you do not redeem your Points within thirty (30) days, they will be forfeited. If you close your Card Account and leave at least one other Linked Card Account in the Programme open, you will continue to earn Points in your Points Account through any Linked Card Account(s). What happens if we close your Card Account? If we close your Card Account in accordance with the Card Account Agreement, we will withdraw you from the Programme and you will lose any Points that you have earned. Other important information Management by a Bank or Third Party Nominee If you have told us that a bank will be managing your Card Account (private banking Cardmembers only) on your behalf (your Bank), you agree that we can accept instructions from your Bank in relation to your participation in the Programme and that you will be bound by such instructions. Similarly, if we have permitted you to nominate a third party to whom you have granted the authority to service your participation in the Programme on your behalf, we will accept that person as your Third Party Nominee and you agree that we can accept instructions from your Third Party Nominee in relation to your participation in the Programme and that you will be bound by such instructions. In either case, this does not mean that it is no longer your responsibility to carry out your obligations under these Terms and Conditions, so references to ‘you’ or ‘your’ still include you the Cardmember, even though the Bank or Third Party Nominee may do certain things on your behalf. If your Bank is managing your Card Account, when we need to send you a notice or other communication, you agree that sending this to your Bank will satisfy our obligation to send it to you, although we are still allowed to contact you directly if necessary. We may, where we determine it is reasonably necessary, such as where we suspect fraudulent activity, refuse to act on the instructions of the Bank or the Third Party Nominee and contact you directly to confirm the instructions we have received. You may withdraw your consent to the Bank managing your Card Account at any stage, in which case the Bank will no longer manage your participation in the Programme. Should you choose to withdraw such consent, you must, as soon as practicable, notify American Express of such withdrawal by contacting us using the number on the back of your Card. Likewise, you may withdraw your consent to the Third Party Nominee servicing your participation in the Programme at any time by contacting us in the same way. We will assume that a Bank and/or Third Party Nominee is authorised by you until you notify us of your withdrawal of that consent. Please note that in certain circumstances we may obtain information about you or disclose your personal information to your Bank or your Third Party Nominee. You can find further information about this in the ‘your personal information’ section in your Card Account Agreement. Changes to these Terms and Conditions We may change these Terms and Conditions, including the Earn Rate, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. We will give you at least thirty (30) days' notice. If the change is not to your disadvantage, we will still tell you about it but may make the change sooner. We will give you any such notice by statement message, post, email or other form of electronic communication. Transfer Points to a Card Account in a different currency If you have another Card Account (as the main Cardmember) under the same name, which is denominated in a different currency, you can transfer Points to your other Card Account (International Transfer). You can make no more than one (1) International Transfer in any twelve (12) month period. This twelve (12) month period will commence on the date an International Transfer is requested by you. International Transfers are subject to the same exchange rate as that which applies to currency conversions on your Card Account, and it can take up to two (2) weeks for the transferred Points to appear, and be available to use on, your other Card Account. Withdrawing you from the Programme or ending the Programme We will withdraw you from the Programme if we close your Card Account in accordance with the terms of the Card Account Agreement. We may withdraw you from the Programme or end the Programme by giving you at least thirty (30) days' notice without any explanation being required, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. This could include switching you to a different type of Card in accordance with the Card Account Agreement and/or replacing these Terms and Conditions with a new set of Terms and Conditions that provide and cover different benefits. Fraud and Abuse of the Programme If we have reasonable grounds to believe that you have engaged in any fraud or material abuse related to the Programme, such as seeking to obtain an advantage through unfair or deceptive means, we may take actions which we reasonably consider appropriate in the circumstances, and this may include cancelling your Points Account and forfeiting your Points. Claims against Rewards providers We are not liable for claims regarding any failure or breach with respect to goods and services provided as Rewards by third parties. Third party Rewards may also be subject to separate Terms and Conditions. Language and governing law These Terms and Conditions and all communications between us concerning these Terms and Conditions shall be in English. These Terms and Conditions and any dealings between us before these Terms and Conditions apply are governed by the laws of England and the courts of England shall have non-exclusive jurisdiction over us and you.

Enrolment and Fees. Enrolment and Fees Enrolment You are automatically enrolled in the Programme when you sign your Card Account Agreement unless you are: • a Green cardmember who is not a business customer but pays a yearly Programme Fee; or • a Corporate cardmember whose employer has decided not to participate in the Programme. For Green cardmembers: if you hold a Green charge card (which is not a Corporate or Small business card) and you are not currently enrolled in the Programme, you can do so at any time by calling us provided you pay a yearly Programme Fee. Fees If you have one of the American Express-issued types of cards (Card or Cards) set out below, the annual a fee shown (Programme Fee) will be applied to your Card Account as a purchase transaction the day after apply once you initially enrol are enrolled in the Programme and on or shortly after the anniversary of that date each year. If you have a green Programme: • A Green charge Card card (which is not a corporate Corporate or a small Small business Card), and payment of your Cardmembership fee does not already entitle you to participate in the Programme, for each year that you participate in the Programme, you will be charged an annual card) has a yearly fee of £24 including VAT for participation in the Programme. If you have a corporate Card • A Corporate card (other than a platinum corporate Card), for each year that you participate in the Programme, you will be charged an annual Platinum Corporate card) has a yearly fee of £36 including VAT for participation in the Programme. The Programme Fee will be payable yearly and will be charged to your Card Account as a purchase transaction. The first Programme Fee will be charged to your Card Account on the day after you first enrolled in the Programme. All subsequent Programme Fees will then show on your Card Account as a purchase transaction on the anniversary of that date every year, or shortly after. You may exit the Programme, and the agreement governed by these Terms and Conditions, Programme at any time. If you do, any Programme Fee charged to your Card Account will not be refunded. Please see the “What happens if you close your Card Account? Account or your participation in the Programme comes to an end?” section below in relation to what happens to your Points points when you exit the Programme. About earning Points points How you earn points When do you earn points? Points You earn are earned on every full pound you spend and which is billed to your Card Account. This includes spend by a set amount of Points for each pound of eligible spending Supplementary Cardmember on your Card Account, where your Card Account allows you to have Supplementary Cardmembers. A Supplementary Cardmember is a friend or relative that you have added as an additional cardholder to your Card Account. Under your Card Account Agreement, you are able to request additional Cards for Supplementary Cardmembers. If you have a Corporate card, you are not allowed to have a Supplementary Cardmember. Cards issued to Supplementary Cardmembers on your Card Account will also earn points. The number of Points points per pound is referred to as your Earn Rate and Rate. This will be shown on your Card Account statement. We will let you know what the Earn Rate is on your card before you apply. From time to time, we may tell you about promotional Earn Rates or permit you to earn more Points per pound for certain purchases or other forms of promotion relating to the earning of Pointspoints. We may contact you about this to ensure make sure that you can benefit from the Programme (as explained in the Additional benefits and other products' section of your Card Account Agreement)promotion. We will maintain keep a points account for you. Points are earned on every full pound spent in each purchase and will be added to your points account (Points Account)) for you. We will tell you the balance in your Points Account on your Card Account statement. How are points calculated? The value of each purchase will be rounded down to the nearest pound before Points points are calculated. Under your Card Account Agreement, you are able to request supplementary Cards for supplementary Cardmembers. Unless you have a corporate Card (in which case you Points cannot have a supplementary Cardmember on your Points Account), Cards issued be transferred to supplementary Cardmembers on your Card Account will also earn Pointsany other person. Linked Card Accounts If you have more than one Card Account (as the main Cardmember) under the terms of hold more than one Card Account which you are is eligible to be enrolled in the Programme (including a corporate Card)Programme, you can ask that the your Card Accounts are 'will be ‘linked' in order ’ automatically by us so that Points points earned on all your Card Accounts will go into the same Points Account (Linked Card Accounts) provided that they ). These terms and conditions are separate from the terms and conditions of your Linked Card Account. It is only possible to have Linked Card Accounts where the Card Accounts have the same Earn Conversion Rate and are billed in the same currency. Points earned on your corporate Card shall Corporate card will accrue into your individual Points Account, and not into any account of your employer. We reserve the right to may de-link your Card Accounts at any time and time, but we will tell you before we dodo this. Which Linked Card Account balances do Accounts When you will not earn No Points points You will be earned on: • not earn points on interest, fees (including default fees), balance transfers, cash advances (if permitted under your Card Account Agreement) including Points? transactions treated as cash), for example, loading of money onto prepaid cards, American Express Travellers Cheque purchases cards or purchasing foreign exchange transactions; and • any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credits. Note that if Points are earned on a transaction that is later refunded, those Points will be lost. About redeeming Points How do you redeem Points? The types of Rewards available are subject to change. Those available to you at any time will be shown on our website at xxxxxxxxxxxxxxxxx.xx.xx. We may contact you with other offers on Rewards from time to time. There may be some addresses (normally overseas) to which we are not able to ship certain Rewardscurrency. You cannot redeem Points earn points if we reasonably suspect that you have been involved in fraud or other criminal activity, or any serious abuse related to the Programme. How you find information about your points Your monthly Card Account statement will include details of the Earn Rate, the number of points you have earned and spent during the statement period, and your points balance at the end of that period. You can also see this information in the online account centre. About redeeming points When we talk about ‘redeeming’ points and ‘redemption’ in these terms, we mean where you exchange the points you earn using your card, for cash or to make a general credit to your Card Account, although Rewards. There are many ways you can use Points exchange your points for Rewards. We refer to apply a credit against certain eligible transactions and to make purchases via our website (see 'Redeem points by way of credit against Eligible Transactions on these as your Card Account or to make purchases using Pay with Points' below). Supplementary Cardmembers cannot redeem Points on your behalf‘Redemption Options’. You cannot redeem Points for as long as you are late in making payment on your Card Account. Once your Card Account is up to date, and provided it has not been cancelled by us, you will once again be able to redeem points, but please see the Losing your Points section below. Once you have redeemed your Points this is non-reversible and any redemption is non- transferable. In order to redeem Points, please visit xxxxxxxxxxxxxxxxx.xx.xx and log in to your Online Services or call Customer Services using the number on the back of your Card. Redeem points by way of credit against Eligible Transactions on your Card Account or to make purchases using Pay with Points You can also use your Points points to apply a credit to your Card Account against certain fees and/or purchases that we confirm are eligible. We refer to these as being eligible (‘Eligible Transactions)’. With the exception of Eligible Transactions, all Rewards are provided by third parties who we call our ‘Redemption Partners’. How do you redeem points? The types of Redemption Options available are subject to change and may be subject to separate terms and conditions. The Redemption Options available to you at any time will be shown on our website. We may contact you with offers on Rewards from time to time. You should always check the Redemption Partner’s terms and conditions for important information about, for example, restrictions on availability, expiry dates and the Redemption Partner’s refund policy. Once you have redeemed your points this cannot be reversed or transferred. The rate at which we convert Points points may vary and we change. We will tell you what the conversion rate (Conversion Rate) is when you arrange the redemptionask to redeem your points. The conversion rate Conversion Rate is also on our website. The credit Different Conversion Rates may apply to different Rewards. In some cases, we will appear let you know what the Conversion Rate is on your card before you apply. From time to time, we may tell you about promotional Conversion Rates or other forms of promotion relating to the redemption of points. We may contact you about this to make sure that you can benefit from the promotion. Minimum redemption thresholds may apply. This means that in some circumstances you will need to redeem a minimum number of points. We will tell you about any applicable minimum thresholds when you ask to redeem your points. Except for gift card or e-code purchases, if you return the goods or cancel the services you’ve purchased, then any refund you receive will be credited to your Card Account. Your Points Account approximately three (3) days after will not be reimbursed unless you have asked contact us to redeem the Points, but may not appear on the same Card Account statement as the ask for reimbursement. Redeem points for Eligible Transaction. You cannot redeem Transactions or to make purchases using Pay with Points Redeem points by way of credit against Eligible Transactions on your card You can find out which of your transactions are Eligible Transactions by visiting the online account centre. You can redeem points for the whole or part of an Eligible Transaction. We will debit your Points Account with the required number of points and credit your Card Account if you have a with the corresponding amount for each transaction. The credit balance will usually appear on your Card Account or if you are late in making payment on your Card Accountabout 3 days later. If you redeem Points in this way, you must still pay the amount due on have linked your Card Accounts, the credit will be applied to the main Card Account statementyou have selected. Minimum redemption thresholds will apply per Eligible Transaction, and we will confirm the applicable minimum when you arrange the redemption. Make purchases using Pay with Points You may also be able to use your Points points to make purchases at certain retailers listed on with our websiteRedemption Partners. You need will know when you can pay for a purchase online using your points, as an option will come up at checkout to indicate at the time of purchase that allow you wish to do so. Where you are able to pay with Points. The for a purchase using your points the transaction may initially at first be charged to your Card Account as a normal purchase. If so, we will then debit the Points points from your Points Account and credit your Card Account with the corresponding correct amount. Credits to your Card Account may not be made and appear in the same statement period as the original purchase. If the Points points redeemed do not cover the entire amount of the purchase, the outstanding balance of the purchase price will remain stay on your Card Account. Any refunds Gift cards and e-codes You can redeem points for purchases made using Pay with Points gift cards or e-codes as shown on our website. Gift cards and e-codes redemptions are subject to separate terms and conditions. These will be subject to made available by the retailer's own refund policies. Transfer Points to other Loyalty Programmes You can opt for some or all of your Points to be added to a separate account with an American Express partner airline, retail or hotel loyalty programme (Loyalty Programme). Further information regarding these Loyalty Programmes can be seller in the online sales journey found on our website website. If you ask for a refund of a gift card or by contacting Customer Services. You can ask us e-code which you have purchased using points, then (provided you are entitled to transfer Points a refund under the terms and conditions that apply to your Loyalty Programme on our website gift card or by contacting Customer Services. To be able e-code) we will refund the points to do this, you must first link your Points Account to the Loyalty Programme account in your name. We will tell you how to do this when you contact us, or you can do it online via our website. Visit our website at xxxxxxxxxxxxxxxxx.xx.xx/xxxxxx for more information on transferring Points to Loyalty ProgrammesAccount. Travel bookings You can redeem Points points for travel booked through American Express Travel ServicesServices Online. If you have a Centurion card, you can also redeem points for travel booked through the Dedicated Centurion Team. Travel bookings are subject to separate terms and conditions. If you redeem Points points for travel, you are responsible for must pay all taxes, booking fees, airport fees, insurance premiums, and any other service fees and charges relating to a travel booking. Please note, the travel insurance benefits that you may have as part Transfer points to other loyalty programmes You can choose for some or all of your Card benefits may not cover the travel booked points to be transferred to a separate account held with Points. Please see the Terms and Conditions of any Card travel insurance benefits for full details. Concierge bookings You can redeem Points for concierge services through an American Express Concierge if your Card allows this servicepartner’s loyalty programme (Loyalty Programme Partner). All concierge bookings The Loyalty Programme Partners are subject to availabilitychange. Other types Points transfers are subject to separate terms and conditions. You can find these on our website. You should always check the Loyalty Programme Partner’s terms and conditions before transferring your points. You can ask us to transfer points to the Loyalty Programme Partner on our website or by contacting Customer Services. To do this, you must first link your Points Account to the loyalty programme account held in your name. We will tell you how to do this when you contact us, or you can do it online on our website. We will tell you what Conversion Rate will apply when you make the transfer. The points will be debited from your Points Account and be shown on your Card Account statement. Transfer points to the points account of Reward another Card Account in a different currency If you have another Card Account (as the main Cardmember) under the same name, which is in a different currency, you can transfer points to your other Card Account. Points transfers are subject to separate terms and conditions. We will provide these to you when you contact us to make the transfer. Transfer points to other loyalty programmes or to a Card Account in a different currency What restrictions apply? • All Rewards are subject to availability. • You can cannot redeem Points for goods, tickets, gift cards, vouchers, E-Codes (codes to redeem for goods or services online), including for car rentals and hotels and contributions to charities selected by you from a list that we make available to you. All Rewards are provided by third parties and not by us, our affiliates or our subsidiaries. You should check the Terms and Conditions that are presented to you when redeeming your points for important conditions such as expiry dates and any refund policiescash or use points to apply a general credit to your Card Account. About purchasing Points How do • You cannot redeem points by way of credit against Eligible Transactions if you purchase Points? Unless you only have a corporate credit balance on your Card enrolled Account or any Linked Card Account. • You cannot redeem points by way of credit against Eligible Transactions if a credit will cause your Card Account or any Linked Card Account to have a credit balance. • Supplementary Cardmembers cannot redeem points on your behalf. • You cannot redeem points where you are behind in the Programme, you can purchase extra Points. You must purchase Points in increments of one thousand (1,000) Points with a minimum purchase of one thousand (1,000) Pointsmaking payment on your Card Account. You can purchase extra Points start redeeming points again once your Card Account is up to a maximum of ten thousand (10,000) per yeardate. If you want to purchase Points• You cannot redeem points if we suspect unauthorised, we will tell you the purchase cost when you contact us. We may impose different maximum and minimum purchase costs from time to time. In order to purchase Points, please call Customer Services using the number on the back improper and/or fraudulent use of your CardCard Account. • You cannot redeem points if your Card Account is closed by us because you have breached the terms of your Card Account Agreement. • You cannot redeem points if we reasonably suspect that you have been involved in fraud or other criminal activity, or serious abuse related to the Programme. When you might lose Points points you have earned Losing your Points points If you miss earn points on a transaction that is later refunded, those points will be deducted from your points balance. You must pay your monthly payment shown on your Card AccountAccount statement for each statement period in full and on or before the date shown on your statement. If you are late in making payment, the Points that you will lose any points you have earned in the previous month relation to that statement period. You will be forfeited and taken away from the balance of not lose any points you have earned before that statement period. If we remove points that have been credited to your Points Account (which Account, this may result in you having a negative Points points balance). In this case, any points you earn afterwards will be applied first in paying off your negative points balance. You will start earning Points again from each statement date but they will continue to be forfeited whenever lose your points if your Card Account is closed by us because you have breached the relevant monthly payment is not made by the payment due dateterms of your Card Account Agreement. What happens if you close your Card Account or your participation in the Programme comes to an end? You can exit the Programme at any time: • by telling us to close your Card Account? ; or • if you are a Green cardmember who is not a business customer but pays a yearly Programme Fee or you are a Corporate cardmember whose employer has decided to participate in the Programme, by telling us to end your participation in the Programme. To exit the Programme, please contact us using the contact details set out in this document. If you close your Card Account and there are no other Linked Card Accounts on your Points Account, or if you will have thirty (30) days from the date you tell us that you are closing the Card Account to redeem your Points. If you hold a corporate Card and or your employer requests that ends your participation in the Programme is cancelledProgramme, you will have thirty must redeem your points (30) days from See the date we receive the request “How to redeem any Points that have not already been linked to another Points Accountyour points on closure or when your participation ends” section below). If you do pay a Programme Fee, this fee will not redeem your Points within thirty (30) days, they will be forfeitedrefunded. If you close your Card Account and leave at least one other Linked Card Account in the Programme open, you will continue to earn Points points in your Points Account through any Linked Card Account(s). What happens if we close your Card Account? If we close your Card Account in accordance with because you have breached the terms of your Card Account Agreement, we will withdraw you from the Programme and you will lose any Points that you have earnedcancel your points. Other important information Management by a Bank or Third Party Nominee If you have told us that pay a bank Programme Fee, this fee will not be managing refunded. If we close your Card Account (private banking Cardmembers only) on for any reason other than your behalf (your Bank), you agree that we can accept instructions from your Bank in relation to your participation in the Programme and that you will be bound by such instructions. Similarly, if we have permitted you to nominate a third party to whom you have granted the authority to service your participation in the Programme on your behalf, we will accept that person as your Third Party Nominee and you agree that we can accept instructions from your Third Party Nominee in relation to your participation in the Programme and that you will be bound by such instructions. In either case, this does not mean that it is no longer your responsibility to carry out your obligations under these Terms and Conditions, so references to ‘you’ or ‘your’ still include you the Cardmember, even though the Bank or Third Party Nominee may do certain things on your behalf. If your Bank is managing your Card Account, when we need to send you a notice or other communication, you agree that sending this to your Bank will satisfy our obligation to send it to you, although we are still allowed to contact you directly if necessary. We may, where we determine it is reasonably necessary, such as where we suspect fraudulent activity, refuse to act on the instructions breach of the Bank or the Third Party Nominee and contact you directly to confirm the instructions we have received. You may withdraw your consent to the Bank managing your Card Account at any stage, in which case the Bank will no longer manage your participation in the Programme. Should you choose to withdraw such consent, you must, as soon as practicable, notify American Express terms of such withdrawal by contacting us using the number on the back of your Card. Likewise, you may withdraw your consent to the Third Party Nominee servicing your participation in the Programme at any time by contacting us in the same way. We will assume that a Bank and/or Third Party Nominee is authorised by you until you notify us of your withdrawal of that consent. Please note that in certain circumstances we may obtain information about you or disclose your personal information to your Bank or your Third Party Nominee. You can find further information about this in the ‘your personal information’ section in your Card Account Agreement., you must redeem your points (See the “How to redeem your points on closure or when your participation ends” section below). If you pay a Programme Fee, this fee will not be refunded. If we close your Card Account because you have become incapacitated or died, your legal representative will need to contact us to arrange for the points to be redeemed. If any points remain after we have done this, we will cancel them as points cannot be transferred to any other person. If you pay a Programme Fee, this fee will not be refunded. How to redeem your points on closure or when your participation ends To redeem your points, please contact us. If you do not redeem your points within 30 days: • we will transfer your points to the points account of a Linked Card Account, if there is one; and • if there is not, we will cancel your points and you will not then be able to redeem them. We will allow cardmembers more time to redeem points if exceptional circumstances apply (for example, because a cardmember has been unable to contact us due to serious illness, hospitalisation or bereavement). We will act reasonably in these circumstances. If you are unable to redeem your points within 30 days due to exceptional circumstances, please call us to discuss this, even if this happens after the 30 days have passed. Other important information

Enrolment and Fees. Enrolment and Fees If you have one of the American Express-issued cards (Card or Cards) set out below, the annual fee shown will be applied to your Card Account as a purchase transaction the day after you initially enrol in the Programme and on or shortly after the anniversary of that date each year. If you have a green charge Card (which is not a corporate or a small business Card), and payment of your Cardmembership fee does not already entitle you to participate in the Programme, for each year that you participate in the Programme, you will be charged an annual fee of £24 including VAT for participation in the Programme. If you have a corporate Card (other than a platinum corporate Card), for each year that you participate in the Programme, you will be charged an annual fee of £36 including VAT for participation in the Programme. You may exit the Programme, and the agreement governed by these Terms and Conditions, at any time. Please see the What happens if you close your Card Account? section below in relation to what happens to your Points when you exit the Programme. About earning Points How you earn Points You earn a set amount of Points for each pound of eligible spending on your Card Account. The number of Points per pound is referred to as your Earn Rate and will be shown on your Card Account statement. From time to time, we may tell you about promotional Earn Rates or permit you to earn more Points per pound for certain purchases or other forms of promotion relating to the earning of Points. We may contact you about this to ensure that you can benefit from the Programme (as explained in the Additional benefits and other products' section of your Card Account Agreement). We will maintain a points account for you. Points are earned on every full pound spent in each purchase and will be added to your points account (Points Account). We will tell you the balance in your Points Account on your Card Account statement. The value of each purchase will be rounded down to the nearest pound before Points are calculated. Under your Card Account Agreement, you are able to request supplementary Cards for supplementary Cardmembers. Unless you have a corporate Card (in which case you cannot have a supplementary Cardmember on your Points Account), Cards issued to supplementary Cardmembers on your Card Account will also earn Points. Linked Card Accounts If you have more than one Card Account (as the main Cardmember) under the terms of which you are eligible to be enrolled in the Programme (including a corporate Card), you can ask that the Card Accounts are 'linked' in order that Points earned on all your Card Accounts will go into the same Points Account (Linked Card Accounts) provided that they have the same Earn Rate and are billed in the same currency. Points earned on your corporate Card shall accrue into your individual Points Account, and not into any account of your employer. We reserve the right to de-link your Card Accounts at any time and we will tell you before we do. Which Card Account balances do not earn No Points will be earned on: do not earn Points? • interest, fees (including default fees), balance transfers, cash advances (including Points? transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions; and • any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credits. Note that if Points are earned on a transaction that is later refunded, those Points will be lost. About redeeming Points How do you redeem Points? The types of Rewards available are subject to change. Those available to you at any time will be shown on our website at xxxxxxxxxxxxxxxxx.xx.xx. We may contact you with other offers on Rewards from time to time. There may be some addresses (normally overseas) to which we are not able to ship certain Rewards. You cannot redeem Points for cash or to make a general credit to your Card Account, although you can use Points to apply a credit against certain eligible transactions and to make purchases via our website (see 'Redeem points by way of credit against Eligible Transactions on your Card Account or to make purchases using Pay with Points' below). Supplementary Cardmembers cannot redeem Points on your behalf. You cannot redeem Points for as long as you are late in making payment on your Card Account. Once your Card Account is up to date, and provided it has not been cancelled by us, you will once again be able to redeem points, but please see the Losing your Points section below. Once you have redeemed your Points this is non-reversible and any redemption is non- transferable. In order to redeem Points, please visit xxxxxxxxxxxxxxxxx.xx.xx and log in to your Online Services or call Customer Services using the number on the back of your Card. Redeem points by way of credit against Eligible Transactions on your Card Account or to make purchases using Pay with Points You can use your Points to apply a credit to your Card Account against certain fees and/or purchases that we confirm as being eligible (Eligible Transactions). The rate at which we convert Points may vary and we will tell you what the conversion rate is when you arrange the redemption. The conversion rate is also on our website. The credit will appear on your Card Account approximately three (3) days after you have asked us to redeem the Points, but may not appear on the same Card Account statement as the Eligible Transaction. You cannot redeem Points by way of credit against Eligible Transactions on your Card Account if you have a credit balance on your Card Account or if you are late in making payment on your Card Account. If you redeem Points in this way, you must still pay the amount due on your Card Account statement. Minimum redemption thresholds will apply per Eligible Transaction, and we will confirm the applicable minimum when you arrange the redemption. You may also be able to use your Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to pay with Points. The purchase may initially be charged to your Card Account as a normal purchase. If so, we will then debit the Points from your Points Account and credit your Card Account with the corresponding amount. Credits to your Card Account may not be made and appear in the same statement period as the original purchase. If the Points redeemed do not cover the entire amount of the purchase, the outstanding balance of the purchase price will remain on your Card Account. Any refunds for purchases made using Pay with Points will be subject to the retailer's own refund policies. Transfer Points to other Loyalty Programmes You can opt for some or all of your Points to be added to a separate account with an American Express partner airline, retail or hotel loyalty programme (Loyalty Programme). Further information regarding these Loyalty Programmes can be found on our website or by contacting Customer Services. You can ask us to transfer Points to your Loyalty Programme on our website or by contacting Customer Services. To be able to do this, you must first link your Points Account to the Loyalty Programme account in your name. We will tell you how to do this when you contact us, or you can do it online via our website. Visit our website at xxxxxxxxxxxxxxxxx.xx.xx/xxxxxx for more information on transferring Points to Loyalty Programmes. Travel bookings You can redeem Points for travel booked through American Express Travel Services. If you redeem Points for travel, you are responsible for taxes, booking fees, airport fees, insurance premiums, and any other service fees and charges relating to a travel booking. Please note, the travel insurance benefits that you may have as part of your Card benefits may not cover the travel booked with Points. Please see the Terms and Conditions of any Card travel insurance benefits for full details. Concierge bookings You can redeem Points for concierge services through American Express Concierge if your Card allows this service. All concierge bookings are subject to availability. Other types of Reward All Rewards are subject to availability. You can redeem Points for goods, tickets, gift cards, vouchers, E-Codes (codes to redeem for goods or services online), including for car rentals and hotels and contributions to charities selected by you from a list that we make available to you. All Rewards are provided by third parties and not by us, our affiliates or our subsidiaries. You should check the Terms and Conditions that are presented to you when redeeming your points Points for important conditions such as expiry dates and any refund policies. About purchasing Points How do you purchase Points? Unless you only have a corporate Card enrolled in the Programme, you can purchase extra Points. You must purchase Points in increments of one thousand (1,000) Points with a minimum purchase of one thousand (1,000) Points. You can purchase extra Points up to a maximum of ten thousand (10,000) per year. If you want to purchase Points, we will tell you the purchase cost when you contact us. We may impose different maximum and minimum purchase costs from time to time. In order to purchase Points, please call Customer Services using the number on the back of your Card. When you might lose Points you have earned Losing your Points If you miss a monthly payment on your Card Account, the Points that you have earned in the previous month will be forfeited and taken away from the balance of your Points Account (which may result in a negative Points balance). You will start earning Points again from each statement date but they will continue to be forfeited whenever the relevant monthly payment is not made by the payment due date. What happens if you close your Card Account? If you close your Card Account and there are no other Linked Card Accounts on your Points Account, you will have thirty (30) days from the date you tell us that you are closing the Card Account to redeem your Points. If you hold a corporate Card and your employer requests that your participation in the Programme is cancelled, you will have thirty (30) days from the date we receive the request to redeem any Points that have not already been linked to another Points Account. If you do not redeem your Points within thirty (30) days, they will be forfeited. If you close your Card Account and leave at least one other Linked Card Account in the Programme open, you will continue to earn Points in your Points Account through any Linked Card Account(s). What happens if we close your Card Account? If we close your Card Account in accordance with the Card Account Agreement, we will withdraw you from the Programme and you will lose any Points that you have earned. Other important information Management by a Bank or Third Party Nominee If you have told us that a bank will be managing your Card Account (private banking Cardmembers only) on your behalf (your Bank), you agree that we can accept instructions from your Bank in relation to your participation in the Programme and that you will be bound by such instructions. Similarly, if we have permitted you to nominate a third party to whom you have granted the authority to service your participation in the Programme on your behalf, we will accept that person as your Third Party Nominee and you agree that we can accept instructions from your Third Party Nominee in relation to your participation in the Programme and that you will be bound by such instructions. In either case, this does not mean that it is no longer your responsibility to carry out your obligations under these Terms and Conditions, so references to ‘you’ or ‘your’ still include you the Cardmember, even though the Bank or Third Party Nominee may do certain things on your behalf. If your Bank is managing your Card Account, when we need to send you a notice or other communication, you agree that sending this to your Bank will satisfy our obligation to send it to you, although we are still allowed to contact you directly if necessary. We may, where we determine it is reasonably necessary, such as where we suspect fraudulent activity, refuse to act on the instructions of the Bank or the Third Party Nominee and contact you directly to confirm the instructions we have received. You may withdraw your consent to the Bank managing your Card Account at any stage, in which case the Bank will no longer manage your participation in the Programme. Should you choose to withdraw such consent, you must, as soon as practicable, notify American Express of such withdrawal by contacting us using the number on the back of your Card. Likewise, you may withdraw your consent to the Third Party Nominee servicing your participation in the Programme at any time by contacting us in the same way. We will assume that a Bank and/or Third Party Nominee is authorised by you until you notify us of your withdrawal of that consent. Please note that in certain circumstances we may obtain information about you or disclose your personal information to your Bank or your Third Party Nominee. You can find further information about this in the ‘your personal information’ section in your Card Account Agreement. Changes to these Terms and Conditions We may change these Terms and Conditions, including the Earn Rate, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. We will give you at least thirty (30) days' notice. If the change is not to your disadvantage, we will still tell you about it but may make the change sooner. We will give you any such notice by statement message, post, email or other form of electronic communication. Transfer Points to a Card Account in a different currency If you have another Card Account (as the main Cardmember) under the same name, which is denominated in a different currency, you can transfer Points to your other Card Account (International Transfer). You can make no more than one (1) International Transfer in any twelve (12) month period. This twelve (12) month period will commence on the date an International Transfer is requested by you. International Transfers are subject to the same exchange rate as that which applies to currency conversions on your Card Account, and it can take up to two (2) weeks for the transferred Points to appear, and be available to use on, your other Card Account. Withdrawing you from the Programme or ending the Programme We will withdraw you from the Programme if we close your Card Account in accordance with the terms of the Card Account Agreement. We may withdraw you from the Programme or end the Programme by giving you at least thirty (30) days' notice without any explanation being required, provided that we reasonably believe the overall benefits associated with your Card Account still represent good value and are competitively priced. This could include switching you to a different type of Card in accordance with the Card Account Agreement and/or replacing these Terms and Conditions with a new set of Terms and Conditions that provide and cover different benefits. Fraud and Abuse of the Programme If we have reasonable grounds to believe that you have engaged in any fraud or material abuse related to the Programme, such as seeking to obtain an advantage through unfair or deceptive means, we may take actions which we reasonably consider appropriate in the circumstances, and this may include cancelling your Points Account and forfeiting your Points. Claims against Rewards providers We are not liable for claims regarding any failure or breach with respect to goods and services provided as Rewards by third parties. Third party Rewards may also be subject to separate Terms and Conditions. Language and governing law These Terms and Conditions and all communications between us concerning these Terms and Conditions shall be in English. These Terms and Conditions and any dealings between us before these Terms and Conditions apply are governed by the laws of England and the courts of England shall have non-exclusive jurisdiction over us and you.