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AMERICAN EXPRESS INTERNATIONAL CURRENCY CARDS List of professionals who can certify your Documentation: Accountant with a recognised professional qualification (eg chartered account) Bank Employee Registered Lawyer/Barrister/Solicitor Senior Civil Servant (Individual who has a permanent job with the Government) Commissioner of Oaths/Justice of the Peace Doctor Engineer with a recognised professional qualification Member of Parliament Police Officer Optician Post Office official Chartered Surveyor Dentist Example of a Certified Passport, Identity Card or Driving Licence: IDENTITY CARD FULL NAME: John Smith DATE OF BIRTH: 1 Jan 89 NO: 2009-0101-1000-0202 COUNTRY: UK A valid and true copy of Passport or Identity Card or Driving Licence This must show a photograph, full name, date of birth and Passport or Identity number I certify that this is a valid and true copy of the original document and is a true likeness of Mr. A Sample Application reference number: 2009-0101-1000-0202 (applicable to online applications only) Original seen Full name of certifier: Business Address: Telephone number of certifier (including dial code): Signature: Profession: Date: ✓ CF Frost Sample Street Sample Town UK We accept a personal number (mobile or landline) or a business telephone number (general or direct) C Frost Lawyer 01/01/2011 Example of a Certified Proof of Address: Bank or Utility letterhead A bank statement or utility bill (on bank or utility letterhead) dated within the last 3 months which must have been sent through the postal service. I certify that this is a valid and true copy of the original document Application reference number: 2009-0101-1000-0202 (applicable to online applications only) Original seen Full name of certifier: Business Address: Telephone number of certifier (including dial code): Signature: Profession: Date: ✓ CF Frost Sample Street Sample Town UK We accept a personal number (mobile or landline) or a business telephone number (general or direct) C Frost Lawyer 01/01/2011 Please note, we require the certifier to provide their telephone number. We accept a personal number (mobile or landline) or a business telephone number (general or direct). American Express Services Europe Limited Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom Registered in England and Wales with Company Number 1833139. American Express Services Europe Limited is authorised by the Financial Services Authority under the Payment Services Regulations 2009 415532 for the provision of payment services.
AMERICAN EXPRESS INTERNATIONAL CURRENCY CARDS AMERICAN EXPRESS® INTERNATIONAL CURRENCY CARDS PRE-CONTRACTUAL DISCLOSURE OF TERMS AND CONDITIONS – US DOLLAR, EURO AND STERLING IMPORTANT - YOUR PERSONAL INFORMATION Before signing this Application, it is important that you and any Supplementary Applicant read this paragraph and the section entitled “Privacy” below, which together describe how we collect and use information about you and any Supplementary Applicant for the purpose of processing your application and providing you and any Supplementary Applicant with the Card service and other appropriate products and services. By signing this Application, you and any Supplementary Applicant agree that for the purpose of processing it, American Express may: a carry out credit checks with credit reference agencies by disclosing the information provided by you to such agencies, who will retain records of such checks that may be used by other organisations in assessing applications from you and members of your household for credit or other facilities and for preventing fraud and tracing debtors; b check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect fraud, this will be recorded, which records may be used by us and other organisations to help make decisions about credit and credit-related services for you and members of your household, help make decisions on motor, household, credit, life and other insurance proposals and insurance claims for you and members of your household, trace debtors, recover debt, prevent fraud and manage your Accounts or insurance policies; c check your identity to prevent money laundering; d use various statistical methods (including the results of any credit checks made) to assist in evaluating your creditworthiness in deciding whether to issue a Card to you; and e contact your employer, bank, building society or any referee approved by you to obtain relevant information to assess this Application. 1. Introduction This document and the application form you have completed makes up the entire agreement for your account with us (called the agreement). It replaces any previous terms provided to you for your account. Your use of your account and your card is governed by this agreement. Please read this agreement thoroughly and keep it for your reference. You can request a further copy of this agreement free of charge at any time during the term of this agreement. This agreement and all communications between us concerning this agreement shall be in English. Your card allows access to your account and any card benefits provided in connection with a card. However your card is separate from your account. You may choose to apply for a card with certain card benefits (called a premium card). A card without benefits is also available (called a basic card) and you may opt for that card. Please see the “Card Benefits and Additional Services” section of this agreement. Account means the American Express® Charge Card deferred payment account we establish for you under this agreement for the purpose of enabling deferred payment for goods and services utilising the card; Card means the American Express Charge Card we issue for the purpose of accessing your account, including any supplementary card(s); Card benefits means additional services and benefits in connection with a premium card, including the relevant premium card design (for example, the American Express Gold Card design); Cardmember means the person in whose name a card is issued including a supplementary cardmember; Charge(s) means all transactions made using a card or otherwise charged to your account, and includes purchases, fees, commissions, interest, taxes and all other amounts you have agreed to pay us or are liable for under this agreement; We, us and our means American Express Services Europe Limited (Registered Address at Companies House: Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX, UK. Registered Number at Companies House: 1833139) and any holding, subsidiary or affiliated companies and licensees taking part in the American Express card service; You and your means the person who applied for this account; By using your account (or by signing and keeping the card), you and any supplementary cardmembers agree to the terms of this agreement. It is your responsibility and you agree to ensure that any supplementary cardmembers are aware of these terms. Please see the “Supplementary Cardmembers” section of this agreement for additional details. This agreement contains a limitation of liability clause which limits our responsibility and liability. Please refer to the “Limitation of Our Liability” section of this agreement for additional details. This agreement shall be open ended. You can cancel this agreement in 14 calendar days beginning on the day after this agreement is concluded and at any time thereafter. Please either destroy or return to us all cards and write to us at Department 45, American Express Services Europe Limited, Brighton, BN88 1TH, confirming that you want to cancel the account. If you cancel within 14 calendar days beginning on the day after this agreement is concluded, you will, except for the cardmembership fee, be liable for any applicable charges incurred. 2. USE OF THE ACCOUNT, CARD AND CODES 2.1 You consent to charges being applied to your account: 2.1.1 when you present your card to a merchant that accepts the card as payment (called merchant) and you either enter your personal identification number (PIN) or sign a paper slip issued by the merchant; 2.1.2 when you provide your card number and related card or account details by following the merchant’s instructions for processing your payment in the case of online, telephone, mail order purchases, recurring charges or through any other devices such as telephone boxes and parking permit dispensers 2.1.3 when you enter your PIN in the case of automated teller machines (ATMs); 2.1.4 when you conclude an agreement with a merchant and you consent to the merchant charging your account for an amount that is specified in such agreement; 2.1.5 when you verbally consent, or confirm your agreement to all or part of a charge after a charge has been submitted. 2.2 You agree that you cannot cancel charges once you have consented to charges being applied to your account. 2.3 To prevent misuse of your account, you must ensure that you: 2.3.1 sign the card in ink as soon as received; 2.3.2 keep the card secure at all times; 2.3.3 regularly check that you still have the card in your possession; 2.3.4 do not let anyone else use the card; 2.3.5 ensure that you retrieve the card after making a charge; and 2.3.6 never give out your card details, except when using the card in accordance with this agreement. 2.4 To protect your PIN, telephone codes, on-line passwords and any other codes used on your account (called codes), you must ensure that you: 2.4.1 memorise the code; 2.4.2 destroy our communication informing you of the code (if applicable); 2.4.3 do not write the code on the card; 2.4.4 do not keep a record of the code with or near the card or account details; 2.4.5 do not tell the code to anyone or otherwise allow access to it; 2.4.6 if you select a code, do not choose a code that can easily be associated with you such as your name, date of birth or telephone number; and 2.4.7 take care to prevent anyone else seeing the code when entering it into ATM or other electronic device 3. PERMITTED USES 3.1 You may use your account, subject to any restrictions set out in this agreement, to pay for goods and services from merchants who accept the card. Here are some examples: 3.1.1 using your card to pay for goods and services by presenting the card to a merchant and complying with their request to sign or enter a PIN; and 3.1.2 using your card or the account to pay for goods and services ordered from a merchant by telephone, internet or mail. 3.2 If permitted by the merchant, you may return to the merchant goods or services obtained using your account and receive a credit to your account. 3.3 If you use the card to buy insurance, you must consent to us paying the premiums for you. We will apply these charges to your account. You must tell us and the insurer in writing if you want to cancel your policy or do not renew the policy in accordance with the “Recurring Charges” section of this agreement. 3.4 If you are due a refund of any insurance premium charged to your account, after you have notified the merchant and us in accordance with the “Recurring Charges” section of this agreement, this will be handled by us in accordance with the “Lost/Stolen Cards, Incorrectly Executed Transactions And Misuse Of Your Account” section of this agreement. 4. PROHIBITED USES 4.1 You must not: 4.1.1 give your card or account number to others or allow them to use your card or account for charges, identification or any other purpose other than as permitted to give your consent to a transaction in accordance with the “Use of the Account Card and Code” section of this agreement; 4.1.2 return goods or services obtained using your account for a cash refund; 4.1.3 use your account or card to purchase anything for the purpose of resale; 4.1.4 use your account or card to obtain cash unless we have agreed with you separately to permit cash advances; 4.1.5 obtain a credit to your account except by way of a refund for goods or services previously purchased on your account; 4.1.6 use your account or card if you are bankrupt or insolvent or if you do not honestly expect to be able to pay your balance on your next statement; 4.1.7 use your card if it is found after having been reported to us as lost or stolen; 4.1.8 transfer balances from another account with us to pay your account; 4.1.9 use your account or card if your card has been suspended or cancelled or after the valid date shown on the front of the card; 4.1.10 use your account or card for an unlawful purpose, including the purchase of goods or services prohibited by the laws of United Kingdom or any other country where the card is used or where the goods or services are provided; or 4.1.11 use your account or card to purchase anything from a merchant that you or any supplementary cardmember or any third party related to you have any ownership interest in, excluding shares quoted on a recognised stock exchange. 4.2 It is your responsibility to ensure that there is no prohibited use of your account by you and any supplementary cardmembers. You will be responsible for any prohibited use of your account even if we did not prevent or stop the prohibited use. 5. STATEMENTS 5.1 We will send or make available to you statements of account (called statements) periodically and at least once a month if there has been any account activity. In any event we will send or make available to you a statement at least once every 12 months. Each statement will show important information about your account, such as the outstanding balance on the last day of the statement period (called the closing balance), the payment due, the payment due date, the currency conversion rate and applicable fees and will include charges made by you and any supplementary cardmembers. We reserve the right to make some account data available to you on request once a month, and in such case, we will notify you in your statement. 5.2 Always check each statement for accuracy promptly upon receipt and contact us as soon as possible if you need more information about a charge on any statement. If you have a question about or a concern with your statement or any charge on it, inform us immediately. We will expect this to be within 1 month of receipt of your statement and if you do not query a charge that you believe is unauthorised or inaccurate within this period, or up to 13 months in exceptional circumstances, you will be liable for the unauthorised charge. If we request, you agree to promptly provide us with written confirmation of your question or concern and any information we may require that relates to your question or concern. 5.3 If you are enrolled for online statements you agree that we may stop sending paper statements. You agree that any specific terms about online statements that we provide to you will apply and form part of this agreement. 5.4 You agree we may send you notices, including notices of variation of this agreement with your statement (whether online or paper copy). 6. FEES 6.1 The types of fees and commissions that apply in relation to your account are set out in the box below. You agree to pay these fees and commissions and you consent to us applying them to your account when due. TYPE OF FEE TYPE OF CARD APPLICABLE FEE Cardmembership fee (annual maximum fee) Your account will be charged a cardmembership fee depending on the type of card issued to you. There is no cardmembership fee for a basic card. The cardmembership fee may be payable either on an annual or monthly basis (dependent on the type of card you have been issued with) beginning on the first statement date after the account is established. An account year starts on the date after the account is established and ends on the day before the anniversary of the establishment of the account (called cardmembership anniversary date). Supplementary cardmembership fee (annual maximum fee) for each supplementary card we issue at your request beyond those offered free of additional charge as part of your cardmembership fee. A supplementary cardmembership fee may be payable either on an annual or monthly basis (dependent on the type of card you have been issued with) at the beginning of each membership year for each supplementary card we issue at your request. Late payment fee A late payment fee is payable in the event that you delay or omit the payment of any charges due in respect of your account. We will apply the late payment fee in each of the following cases: • you still owe us payment after 30 days from the statement date; • you still owe us payment after 60 days from the statement date; and • each month thereafter until you pay us in full all amounts outstanding on your account. Return payment fee If you pay us with a cheque or direct debit and your bank does not honour the cheque or the direct debit, a return payment fee will be payable to cover costs charged to your account. Statement copy fee A statement copy fee is payable if you request copies of statements, for each copy provided, or if you have elected electronic statements, you request any paper statement copies. Charge record copy fee A charge record copy fee is payable if you request copies of charge records, for each copy provided Foreign Exchange Mark-Up This will apply if you choose to make a charge in a currency other than the currency of your card. Please see the “Charges Made in Foreign Currencies” section of this agreement. American Express Charge Card – Basic Card American Express Charge Card – Green Card American Express Charge Card – Gold Card American Express Charge Card – Platinum Card American Express Charge Card – Green Business Card American Express Charge Card – Gold Business Card American Express Charge Card – Centurion Card (application only by invitation) American Express Charge Card – Green Card American Express Charge Card – Gold Card American Express Charge Card – Platinum Card American Express Charge Card – Green Business Card American Express Charge Card – Gold Business Card American Express Charge Card – Centurion Card (application only by invitation) All accounts regardless of card type All accounts regardless of card type All accounts regardless of card type All accounts regardless of card type All accounts regardless of card type All accounts regardless of card type All accounts regardless of card type US Dollar Cards US$ Euro Cards ¤ US$0 ¤0 £0 US$100 ¤100 £60 US$300 ¤300 £95 Sterling Cards £ US$550 ¤550 £300 US$100 ¤100 £50 US$300 ¤300 £95 Price upon application Price upon application Price upon application US$50 ¤50 £17.50 US$100 ¤100 £35 US$275 ¤275 £170 US$50 ¤50 £35 US$100 ¤100 £35 Price upon application 3% or US$25 (whichever is higher) 1.5% or US$15 (whichever is higher) 1.5% or US$15 (whichever is higher) Price upon application 3% or ¤25 (whichever is higher) 1.5% or ¤15 (whichever is higher) 1.5% or ¤15 (whichever is higher) Price upon application £12 £12 £12 US$15 ¤15 £12 US$4 ¤3 £2 US$5 ¤5 £3 The currency conversion rate plus 3% or as otherwise disclosed by us. The currency conversion rate plus 2.7% or as otherwise disclosed by us. The currency conversion rate plus 2.99% or otherwise disclosed by us.
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