Fill and Sign the Fdic Legal Invoice for Fees and Expenses Form

ICC CONSUMER CARD USE ONLY AMERICAN EXPRESS USE ONLY 1 COBA 071623 Priority Centurion Corporate Settlement Application Form - in US Dollars or Euros To be used where the applicant is the beneficial owner of an Offshore Corporate Entity (OCE) (not including trusts and foundations) and the ‘OCE’ will be responsible for settling the Card account. If a close associate, give names and relationship to you: Apply for Cardmembership today l l l l l l l l l l l l l l l l l l l Return the completed form to your BANK not American Express. Please complete in English using Blue or Black ink and CAPITAL LETTERS. Please indicate which currency you would like your billings and Card fees in by ticking the appropriate box: US Dollar Centurion R91 Centurion R91 Euro Your Financial Details If you require additional Cards in a second currency please speak to your Relationship Manager. The annual fee for The Centurion Card is US$/€2,800. ▲ Personal Details Title: First names: Family name: Mr Are you: Mrs Miss Other l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l Date of birth: D l D lMlM l Y l Y Nationality: l l l l l l l l l l l l l l l l Passport Drivers licence Retired Job title: Time with employer/ self employed: Nature of Business: Employer’s address: ID Card l l l l l l l l l l l l l l l l Please give your permanent home address (including country and postal code) City: Address: City: Country: l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l Country: l l l l l l l l l Postal code: l l l l l l l l l l l l l l l l l l l l l l l l l l Primary tel number: l l l l l l l l l l l l l l l l Postal code: Employed Business Tel. number: (inc. country & area code) l Homemaker Other (Please specify) l years months l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l ▲ l l l l l l l l l l l l l l l l l l l l l l l l Source of income: Salary Investments Savings Other Gross annual income: Providing American Express with your email address will allow us to send you by email offers which we believe are suited to your needs, including information on new benefits, products and services. You may request not to receive these offers at any time by updating your email preferences via the privacy statement link on the American Express website. Student l l l l l l l l l l l l l l l l (inc. country & area code) Email address (maximum of 30 characters): Self-employed If you are employed or self-employed please complete your business details Business name: Please provide a copy of proof of your identity. Select the type of document and enter the document number: Document number: l l l l l l l l l l l l l l l l l l l If you answered yes, we may contact you on the number you have provided to finalise your application (Please specify e.g. private income. ) US$ Trust fund/Inheritance € Please note you MUST complete either gross annual income OR assets under management question. Please indicate your gross annual income: Do you have or have you previously had any other American Express card? up to US$/€100k - US$/€101 to US$/€300k US$/€301 to US$/€500k 3 7 US$/€501 to US$/€1m US$/€1.1m to US$/€2m Greater than US$/€2m - Please PRINT your name as you wish it to appear on the Card in no more than 20 letters and spaces (initials for first names are acceptable). l l l l l l l l l l l l l l l l l l l Please indicate your level of assets under management with your bank listed below: Please give your mother’s family name before marriage. This will be used as a password to confirm your identity for security purposes and to protect against fraud. US$/€1m - US$/€1.999m US$/€2m - US$/€4.99m Greater than US$/€5m l l l l l l l l l l l l l l l l l l l In the last year, have you or a family member or close associate (including anyone with a close business relationship, eg joint ownership of company, partnership, or anyone benefiting from any company/other entity you own) held the position of: Cash Access Head of state, minister, deputy or assistant minister? Member of parliament? Member of Supreme Court, of a constitutional court or other high-level judicial body? Member of court of auditors or of the Board of the Central Bank? Ambassador, chargés d'affaire or highranking officer in the armed forces? Member of the administrative, management or supervisory bodies of a state-owned enterprise? Cash Access enables you to withdraw cash at over 550,000 ATMs worldwide using your American Express Card. To apply, complete a separate Express Cash form available from your Relationship Manager. ng Membership Rewards® Please tick if ‘Yes’ If you answered yes to any of the above, please state: Title of role: Name of the organisation: Country of the organisation: l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l ▲ ✓ The Centurion Card: The Centurion Card is enrolled automatically in the American Express Membership Rewards programme on approval of Cardmembership. You can opt out of the Membership Rewards programme at any time. Enrolment in Membership Rewards is free for the Centurion Card 2 COBA 071623 Personal Information ▲ Supplementary Card Applicant Details Before signing this Application, it is important that you and any Supplementary Applicant read this paragraph and the section entitled "Privacy" in the attached Pre-contractual disclosure of terms and conditions for American Express International Currency Cards, 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. Please indicate type of Supplementary Card required: A E The Centurion Card Title: First names: Family name: Relationship to Cardmember: Date of birth: Nationality: Mr B Mrs The Gold Card Miss C Other The Platinum Card l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l D l D lMlM l Y l Y l l l l l l l l l l l l l l l l Please provide a copy of proof of your identity. Select the type of document and enter the document number: Passport Document number: Please Sign Below Drivers licence ID Card l l l l l l l l l l l l l l l l Please give your permanent home address (including country and postal code) The information I have given in this Application is true and correct. I am [and my Supplementary Applicant named in this Application is] over 18 years of age. I request American Express Services Europe Limited (“American Express”) to issue me with a Card billed in either US dollars or euros, including any renewal and replacement Cards. The annual fee is US$/€2,800 for the Centurion Card. If I have asked for a Supplementary Card to be issued, I agree to be jointly and individually responsible for all charges on the Supplementary Card. A Cardmember Agreement will accompany the Card when issued. Address: City: Country: I authorise my Bank mentioned under the heading 'Your Payment Details' to disclose information about me to American Express and to issue instructions on my behalf for the purpose of administering my Card account. This includes the authorisation to my Bank to forward to American Express all identification documents and to provide all information necessary for American Express to comply with its obligations under the applicable anti-money laundering legislation. I also authorise American Express to answer any enquiries or requests made by the Bank and to carry out the Bank's instructions for the above purpose. I discharge American Express from all responsibility in respect of any disclosures by it to the Bank of my information and any execution by it of the Bank's instructions. l l l l l l l l l l l l l l l l l l l l l l l l l l l l ▲ l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l Home tel number: l l l l l l l l l l l l l l l l Mobile tel number: l l l l l l l l l l l l l l l l Postal code: (inc. country & area code) (inc. country code) Please PRINT your name as you wish it to appear on the Supplementary Card in no more than 20 letters and spaces (initials for first names are acceptable). l l l l l l l l l l l l l l l l l l l American Express may decline this Application at its sole discretion. By signing below, I confirm that I have read and agree to all the terms and conditions contained on this Application. In the last year, have you or a family member or close associate (including anyone with a close business relationship, eg joint ownership of company, partnership, or anyone benefiting from any company/other entity you own) held the position of: This Application shall be read in conjunction with the attached Pre-contractual disclosure of terms and conditions for American Express International Currency Cards and with all other accompanying documents. Basic Card Applicant please sign here The Green Card Head of state, minister, deputy or assistant minister? Member of parliament? Member of Supreme Court, of a constitutional court or other high-level judicial body? Member of court of auditors or of the Board of the Central Bank? Ambassador, chargés d'affaire or high-ranking officer in the armed forces? Member of the administrative, management or supervisory bodies of a state-owned enterprise? D D M M Y Y Please tick if ‘Yes’ X If you answered yes to any of the above, please state: Title of role: Name of the organisation: Supplementary Cardmembership Country of the organisation: If you wish to share the advantages of Cardmembership with a family member, close friend or business colleague aged 18 years or over, or take out another Card for your own use, simply complete this section, ensuring that each Supplementary Applicant signs in the space provided. The spending on each Supplementary American Express Card will be itemised separately on your monthly statement. If a close associate, give names and relationship to you: l l l l l l l l l l l l l l l l l l l The Centurion Card ■ Up to 19 Supplementary Cards in Platinum, Gold or Green included ■ l l l l l l l l l l l l l l l l l l l 1 Supplementary Card in black plastic included ■ 1 Additional Centurion Card in black plastic included If you answered yes, we may contact you on one of the numbers to finalise your application. I accept joint and several liability with the Basic Cardmember for all charges incurred on the Supplementary Card issued to me. I agree to be bound by the terms of this application and the Cardmember Agreement which will accompany the Card when issued. By signing below, I confirm that I have read and agree to all the terms and conditions, including the paragraphs referring to personal information contained on this application form. You will receive an Additional Card for yourself with your account (to separate personal and business expenditure, for instance). The Additional Card is only available for the Centurion Basic Card Applicant. To apply for further Supplementary Cards, please complete the separate Supplementary Card Application form available from your Relationship Manager. l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l Signature of Supplementary Card Applicant ▲ X D D M M Y Y 4 COBA 071623 Offshore Corporate Entity Details Country: ▲ OCE name: l l l l l l l l l l l l l l l Postal code: OCE registration number (if any). Date of birth: l l l l l l l l l l l l l l l l l l l Registered office address: l l l l l l l l l l l l l l l City: l l l l l l l l l l l l l l l Country: l l l l l l l l l l l l l l l Postal code: Nationality: l l l l l l l l l l l l l l Head of state, minister, deputy or assistant minister? Member of parliament? Member of Supreme Court, of a constitutional court or other high-level judicial body? Member of court of auditors or of the Board of the Central Bank? Ambassador, chargés d'affaire or highranking officer in the armed forces? Member of the administrative, management or supervisory bodies of a state-owned enterprise? l City: l l l l l l l l l l l l l l l Country: l l l l l l l l l l l l l l l Postal code: l l l l l l l OCE Tel number: (inc. country & area code) l l l l l l l l l l l l l l l Nature of business activity: l l l l l l l l l l l l l l l Date OCE formed: D l D l Ml Ml Y l Y l l l l l l l l l l l l l l l l l In the last year, have you or a family member or close associate (including anyone with a close business relationship, eg joint ownership of company, partnership, or anyone benefiting from any company/other entity you own) held the position of: l l l l l l l Business address: l l l l l l l l l l l l l l l l l l l l l l l l D l D l Ml Ml Y l Y Please tick if ‘Yes’ If you answered yes to any of the above, please state: Title of role: Name of the organisation: Country of the organisation: l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l If a close associate, give names and relationship to you: Number of employees: l l l l l l l l l l l l l l l l l l l If a subsidiary OCE, please state name of parent company. Director Two l l l l l l l l l l l l l l l l l l l Offshore Corporate Entity (OCE) Financial Details First names: l l l l l l l l l l l l l l l The OCE must supply details of a bank account at the Basic Applicant’s bank. Family name: l l l l l l l l l l l l l l l Please give your permanent home address (including country and postal code) Bank name: l l l l l l l l l l l l l l l Address: l l l l l l l l l l l l l l l City: l l l l l l l l l l l l l l l Country: l l l l l l l l l l l l l l l Postal code: l l l l l l l Address: City: Country: I agree that the balance on my American Express Card Account will be debited each month from the Bank Account named below. The nominated account must be in the same currency as your Card Account. Postal code: Date of birth: Name on OCE bank account: l l l l l l l l l l l l l l l OCE bank account: l l l l l l l l l l l l l l l Bank branch code: l l l l l l l l l l l l l l l Nationality: l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l D l D l Ml Ml Y l Y l l l l l l l l l l l l l l l l In the last year, have you or a family member or close associate (including anyone with a close business relationship, eg joint ownership of company, partnership, or anyone benefiting from any company/other entity you own) held the position of: Please send my statements to the following address: Directors Head of state, minister, deputy or assistant minister? Member of parliament? Member of Supreme Court, of a constitutional court or other high-level judicial body? Member of court of auditors or of the Board of the Central Bank? Ambassador, chargés d'affaire or highranking officer in the armed forces? Member of the administrative, management or supervisory bodies of a state-owned enterprise? Please provide details of all current Directors. Should there be more than two, please attach further details If you answered yes to any of the above, please state: Director One Title of role: Residential First names: Family name: Bank Please tick if ‘Yes’ Name of the organisation: l l l l l l l l l l l l l l l Country of the organisation: l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l If a close associate, give names and relationship to you: Please give your permanent home address (including country and postal code) Address: City: l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l If you answered yes, we may contact you to finalise your application. ▲ ▲ 5 COBA 071623 Beneficial Ownership ▲ In the last year, have you or a family member or close associate (including anyone with a close business relationship, eg joint ownership of company, partnership, or anyone benefiting from any company/other entity you own) held the position of: Head of state, minister, deputy or assistant minister? Member of parliament? Member of Supreme Court, of a constitutional court or other high-level judicial body? Member of court of auditors or of the Board of the Central Bank? Ambassador, chargés d'affaire or high-ranking officer in the armed forces? Member of the administrative, management or supervisory bodies of a state-owned enterprise? I as basic applicant declare that the assets used to settle the American Express Card Account: belong exclusively to me as basic card applicant belong exclusively to the supplementary card applicant belong jointly to me and the supplementary card applicant Please tick if ‘Yes’ belong to the OCE comprising ownership by the beneficial owners below: If you answered yes to any of the above, please state: Please provide details of the beneficial owners of the OCE: Title of role: Beneficial Owner One Name of the organisation: First names: If a close associate, give names and relationship to you: l l l l l l l l l l l l l l l Family name: l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l Please give your permanent home address (including country and postal code) Address: City: Country: Postal code: Date of birth: Nationality: l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l If you answered yes, we may contact you to finalise your application. l l l l l l l l l Beneficial Owner Three l l l l l l l l l l l l l l l l l l First names: l l l l l l l l l l l l l l l l l l l l l l l l Family name: l l l l l l l l l l l l l l l Please give your permanent home address (including country and postal code) l l l l l l l l D l D l Ml Ml Y l Y Address: l l l l l l l l l l l l l l l l In the last year, have you or a family member or close associate (including anyone with a City: close business relationship, eg joint ownership of company, partnership, or anyone benefiting from any company/other entity you own) held the position of: Head of state, minister, deputy or assistant minister? Member of parliament? Member of Supreme Court, of a constitutional court or other high-level judicial body? Member of court of auditors or of the Board of the Central Bank? Ambassador, chargés d'affaire or high-ranking officer in the armed forces? Member of the administrative, management or supervisory bodies of a state-owned enterprise? Country: Postal code: Date of birth: Please tick if ‘Yes’ If you answered yes to any of the above, please state: Title of role: Name of the organisation: Country of the organisation: l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l Nationality: l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l D l D l Ml Ml Y l Y l l l l l l l l l l l l l l l l In the last year, have you or a family member or close associate (including anyone with a close business relationship, eg joint ownership of company, partnership, or anyone benefiting from any company/other entity you own) held the position of: Head of state, minister, deputy or assistant minister? Member of parliament? Member of Supreme Court, of a constitutional court or other high-level judicial body? Member of court of auditors or of the Board of the Central Bank? Ambassador, chargés d'affaire or high-ranking officer in the armed forces? Member of the administrative, management or supervisory bodies of a state-owned enterprise? If a close associate, give names and relationship to you: l l l l l l l l l l l l l l l l l l l Please tick if ‘Yes’ If you answered yes to any of the above, please state: l l l l l l l l l l l l l l l l l l l If you answered yes, we may contact you to finalise your application. Title of role: Beneficial Owner Two Name of the organisation: l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l First names: l l l l l l l l l l l l l l l Country of the organisation: Family name: l l l l l l l l l l l l l l l If a close associate, give names and relationship to you: Please give your permanent home address (including country and postal code) Address: City: Country: Postal code: Date of birth: Nationality: l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l If you answered yes, we may contact you to finalise your application. l l l l l l l l l To be completed by the Applicant l l l l l l l l l Declaration l l l l l l l l l I confirm that all of the information provided by me is true and accurate and I have authorisation to enter into this agreement on behalf of the OCE. l l l l l l l l D l D l Ml Ml Y l Y l l l l l l l l l l l l l l l l Basic Card Applicant please sign here ▲ X D D M M Y Y ▲ 5 COBA 071623 To be completed by the Bank ▲ To be completed by the Bank Bank Contact Details Bank Authorised Signatures (must be two) RM name: Bank name: 1 l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l RM Tel number: (inc. country & area code) Full name: Position in Bank: l l l l l l l l l l l l l l l Contact Tel number: RM Email: (inc. country & area code) Verification of Applicant's Information l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l Contact Email: The Bank confirms that the ‘OCE’ and each applicant is known to it, that all the information supplied in this form is true and accurate, that ID supplied or held on the Bank's file pending forward transmission is a true copy of the original and that payments to the Card account will be made from an account at the Bank in the name of the ‘OCE’ as specified in this application*. Bank authorised signature D D M M Y Y X Bank official stamp 2 Full name: Position in Bank: Contact Tel number: (inc. country & area code) IMPORTANT. Have you provided: l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l Contact Email: • A copy of the Basic Applicant's proof of identity and signature (copy of passport or identity card) ▲ Bank authorised signature D D M M Y Y • Two signatures from the bank • A Bank Guarantee, if applicable • If there is a Supplementary Applicant, their proof of identity *The Bank acknowledges that American Express is placing reliance upon the information disclosed in this application form. Internal use only A F B G C H D I E J K X Bank Information Only Please send this completed application form to: American Express Services Europe Limited International Consumer Card – New Accounts Dept 76 Edward Street Brighton BN88 1AH Alternatively, fax the completed application form to: +44 (0) 1273 667 135. l l l l l l l l l l l l ▲ 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 your account). It replaces any previous terms provided to you for your account. Your use of your account is governed by this agreement. You can request a further copy of this agreement for free at any time during the term of the agreement. This agreement and all communications between us concerning this agreement shall be in English. Y  ou and your means the person who applied for this account; W  e, us and our means American Express Services Europe Limited (Registered Address at Companies House: Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX, UK. Registered Number at Companies House: 1833139) and any holding, subsidiary or affiliated companies and licensees taking part in the American Express Card service; C  ard means any US dollar, Euro or Sterling Card or other account access device we issue for the purpose of accessing your account; C  harge(s) means all transactions made using a Card or otherwise charged to your account, and includes cash advances, travellers’ cheques, purchases, fees, commissions, taxes and all other amounts you have agreed to pay us or are liable for under this agreement. A Supplementary Cardmember is jointly and severally liable with you for all charges made by that Supplementary Cardmember.  using your account (or by signing and keeping the Card), you and any Supplementary Cardmembers By agree to the terms of this agreement.  Please read this agreement thoroughly and keep it for your reference. It is your responsibility and you agree to ensure that any Supplementary Cardmembers are aware of these terms. Please see the “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 Liability” section of this agreement for additional details. This agreement shall be open ended. 2. USE OF THE Card/CODE(S) 2.1  You agree that your account will be debited when you present your Card for payment to a merchant and either you enter your code or sign for your purchase. For online, telephone or mail order purchases, you agree to the transaction when you provide your Card number and related Card/account details and you follow the merchant’s instructions for processing your payment. You may also be deemed to consent to a transaction in any agreement you enter into with a merchant in which an amount is specified in such agreement and you have authorised the merchant to debit your Card for the transaction. In your dealings with us, you may also verbally consent or confirm your agreement to all or part of a charge after a charge has been submitted. You or a Supplementary Cardmember cannot cancel charges once they have been authorised. 2.2  You agree that we will consider your instruction for paying a merchant to be made on the date when you must make any payment to us in relation to a Card transaction appearing on your statement. This does not affect the date on which the merchant is paid (which is agreed separately with the merchant), the validity of using your Card as means of payment when you authorise the Card transaction, or the fact that you are obliged to pay us for the transaction when you authorise it. 2.3 To prevent misuse of your account, you must ensure that you and any Supplementary Cardmembers: 2.3.1 sign the Card in ink as soon as received; 2.3.2 keep the Card secure at all times; 2.3.3 regularly check that you still have the Card in your possession; 2.3.4 do not let anyone else use the Card; 2.3.5 ensure that you retrieve the Card after making a charge; and 2.3.6  never give out your Card details, except when using the Card in accordance with this agreement. 2.4  protect your PIN (personal identification number), telephone codes, on-line passwords and any other To codes used on your account (called codes), you must ensure that you and any Supplementary Cardmembers: 2.4.1 memorise the code; 2.4.2 destroy our communication informing you of the code (if applicable); 2.4.3 do not write the code on the Card; 2.4.4 do not keep a record of the code with or near the Card or account details; 2.4.5 do not tell the code to anyone; 2.4.6  you select a code, do not choose a code that can easily be associated with you such as your if name, date of birth or telephone number; and 2.4.7  Take care to prevent anyone else seeing the code when entering it into an automatic teller machine (called ATM) or other electronic device. 3. PERMITTED USES You may use your account, subject to any restrictions set out in this agreement, to pay for goods and 3.1  services from merchants who accept the Card (called merchants). Here are some examples: 3.1.1  using your Card to pay for goods and services by presenting the Card to a merchant and complying with their request to sign or enter a code; and 3.1.2  using your Card or the account to pay for goods and services ordered from a merchant by telephone, internet or mail. 3.2  we agree, you may also use your account to obtain cash advances. For example, you may obtain cash If advances at any ATM that accepts the Card. 3.3  permitted by the merchant, you may return to the merchant goods or services obtained using your If account and receive a credit to your account. 3.4  you use the Card to buy insurance, you must authorise us to pay premiums for you. We will charge If these amounts to your account. You must tell us and the insurer in writing if you want to cancel your policy or do not renew the policy. If you are due a refund, this will be handled by us in the normal way. 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; 4.1.2 return goods or services obtained using your account for a cash refund; 4.1.3 use your Card to obtain cash from a merchant for a charge recorded as a purchase; 4.1.4  obtain a credit to your account except by way of a refund for goods or services previously purchased on your account; 4.1.5  your account if you are bankrupt or insolvent or if you do not honestly expect to be able to use pay your balance on your next statement; 4.1.6 use your Card if it is found after having been reported to us as lost or stolen; 4.1.7 transfer balances from another account with us to pay your account; 4.1.8  your account if your Card has been suspended or cancelled or after the valid date shown on use the front of the Card; 4.1.9  use your account for an unlawful purpose, including the purchase of goods or services prohibited by the laws of England or any other country where the Card is used or where the goods or services are provided; or 4.1.10  use your account 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  is your responsibility to ensure that there is no prohibited use of your account by you and any It 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  will send or make available to you statements of account (called statements) periodically and at We least once a month if there has been any account activity. In any event we will send or make available to you a statement at least once every 12 months. Each statement will show important information about your account, such as the outstanding balance on the last day of the statement period (called the closing balance), the payment due, the payment due date, the currency conversion rate and applicable fees and will include charges made by you and any Supplementary Cardmembers. We reserve the right to make some account data available to you on request once a month, and in such case, we will notify you in your statement. 5.2  Always check each statement for accuracy and contact us as soon as possible if you need more  information about a charge on any statement. If you have a question about or a concern with your statement or any charge on it, inform us immediately. We will expect this to be within 1 month of receipt of your statement and if you do not query a charge that you believe is unauthorised or inaccurate within this period, or up to 13 months in exceptional circumstances, you will be liable for the 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 f you are enrolled in online statements you agree that we may stop sending paper statements. You agree that any I 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  fees and commissions that apply to your account are set out below. You agree to pay these fees and The commissions and you authorise us to charge them to your account when due. TYPES OF FEES FEE: US DOLLAR Cards FEE: EURO Cards (US$) (€) FEE: STERLING Cards (£) A maximum Card Membership Annual Fee is payable annually beginning on the first statement after the Card is issued and then at the beginning of each membership year. A membership year starts on the anniversary of Card membership and ends on the day before the next anniversary of Card membership, (called Card anniversary date). Cash advances and fees and commissions are not included in the calculation of purchases. For: The American Express Green Card, US$100; The American Express Gold Card, US$300; The Platinum Card, US$550; The Centurion Card, US$2,800 The Green Business Card, US$100; The Gold Business Card, US$300 For: The American Express Green Card, €100; The American Express Gold Card, €300; The Platinum Card, €550; The Centurion Card, €2,800 The Green Business Card, €100; The Gold Business Card, €300 For: The American Express Green Card, £60; The American Express Gold Card, £95; The Platinum Card, £300; The Centurion Card, £1,800; The Green Business Card, £50; The Gold Business Card, £95. A Supplementary Card Annual Fee is payable annually at the beginning of each membership year for each Supplementary Card we issue at your request beyond those offered as part of your Card membership annual fee. For: The American Express Green Card, US$50; The American Express Gold Card, US$100; The Platinum Card, US$275; The Centurion Card, US$1,400 The Green Business Card, US$50; The Gold Business Card, US$100 For: The American Express Green Card, €50; The American Express Gold Card, €100; The Platinum Card, €275; The Centurion Card, €1,400 The Green Business Card, €50; The Gold Business Card, €100 For: The American Express Green Card, £17.50; The American Express Gold Card, £35; The Platinum Card, £170; The Centurion Card, £650; The Green Business Card, £35; The Gold Business Card, £35. A Late Payment Fee is payable in the event that you delay or omit the payment of any charges due in respect of your account. (i) 3% or US$25 (whichever is higher) on all amounts you still owe after 30 days from your statement date; and (ii) 1.5% or US$15 (whichever is higher) to be charged on all amounts you still owe after 45 days from your statement date; and (iii) 1.5% or US$15 (whichever is higher) to be charged each month on all amounts you still owe after 60 days from your statement date i) 3% or €25 (whichever is higher) on all amounts you still owe after 30 days from your statement date; and (ii) 1.5% or €15 (whichever is higher) to be charged on all amounts you still owe after 45 days from your statement date; and (iii) 1.5% or €15 (whichever is higher) to be charged each month on all amounts you still owe after 60 days from your statement date. (i) £12 in respect of all amounts you still owe after 30 days from the account statement date; and (ii) £12 to be charged in respect of all amounts you still owe after 45 days from the account statement date; and (iii) £12 to be charged each month in respect of all amounts you still owe after 60 days from the account statement date; A Return Payment Fee is payable if you pay us with a cheque or direct debit and your bank does not honour the cheque or the direct debit, we will charge you to cover costs we incur. US$25 €25 £12 A Statement Copy Fee is payable if you request copies of statements, for each copy provided, or if you have elected electronic statements, you request any paper statement copies. US$4 €3 £2 A Cash Advance Fee of the amount of any cash you request is payable. A fee may also be charged by the provider of any ATM you use in obtaining cash. US$4 or 4% (whichever is the greater) €4 or 4% (whichever is the greater) £3 or 3% (whichever is the greater) A Rewards Fee is payable in advance on enrollment and then annually for participation in the Membership Rewards® programme. Please refer to the separate Membership Rewards agreement for full details of your programme. US$35.25 €35.25 £23 A Cheque Handling Fee is payable if you pay us with a cheque drawn on a bank account outside: (i) the USA, UK or Switzerland or which are not in US Dollars for US Dollar Card; or (ii) the UK or Switzerland or countries in which the Euro is not the official currency, or which are not denominated in € for Euro Cards. US$25 €25 Not Applicable An annual Government Stamp Duty Fee is payable only in the Republic of Ireland. Not Applicable €30 Not Applicable 6.2  you make a charge in a currency other than Pounds Sterling, we will apply a currency conversion rate If to the charge, increased by 3.0% for US Dollar Cards, 2.7% for Euro Cards or 2.99% for Sterling Cards or as otherwise disclosed by us. Please see the “Charges Made in Foreign Currencies” section of this agreement. 6.3  we refer your account to a collection agency (which may be a firm of solicitors), we will also charge you for If any costs that we have to pay in recovering any amount you owe us and any costs that the agency incurs in trying to recover any outstanding amount on our behalf. We will continue to add late payment charges, to the amount you owe, until you have paid the amount you owe. You must pay late payment charges after, as well as before any judgement, if the case is taken to court. 7. RIGHT TO CHANGE FEES AND COMMISSIONS 7.1  reserve the right to change the circumstances in which any of the fees or commissions on your We account are charged and the amount of those fees or commissions. We will provide notice of any change in accordance with the “Changes” section of this agreement. 7.2  You agree that we may impose additional fees and commissions at any time by giving you notice as set out in the “Changes” section of this agreement. 8. LIABILITY 8.1  You are liable and promise to pay to us when due all amounts outstanding on your account which includes paying: 8.1.1  charges on all Cards issued to you and to any Supplementary Cardmembers and even after Cards have been cancelled and this agreement has been ended; 8.1.2  charges made by any other person if you or any Supplementary Cardmember allowed them to use your account; 8.1.3  charges made in breach of this agreement or fraudulently by you or permitted by you or any Supplementary Cardmember; and 8.1.4  unauthorised charges related to a lost or stolen Card or code being used by an unauthorised person under the circumstances and within the limits set out in the “Lost/Stolen Cards, Incorrectly Executed Transactions and Misuse of Your Account” section of this agreement. Any Supplementary Cardmember is jointly and severally liable with you to pay to us when due all 8.2  charges on this account made by that Supplementary Cardmember. 9. CHARGE APPROVAL 9.1  Unless we inform you of a pre-set spending limit, each charge is approved based on the expense level and credit history of all of your accounts established with us, our subsidiaries and affiliates and/or licensees, as well as on your credit history with other financial institutions and your personal resources and income known by us. 9.2  may at our discretion decide and inform you of a temporary spending limit applicable to your We account which is the maximum amount which can be outstanding at any time on your account (including use by any Supplementary Cardmembers). You agree to manage your account so that charges billed to your account do not exceed the spending limit. . 10. Card IS OUR PROPERTY  Although you and any Supplementary Cardmember use Cards on your account, all Cards remain our property at all times. You may be asked to return the Card to us or anyone we ask to take it on our behalf, including merchants. We may also inform merchants that your Card is no longer valid. 11. PAYMENTS (see table opposite) 11.1  Payments are due and payable to us immediately upon request, or receipt by you of our statement. You will be deemed to have received each statement on the 7th day following dispatch by us or upon its actual receipt, whichever is the earlier. 11.2  Payments may be made by any of the methods set out in the table opposite and in accordance with any additional instructions and requirements regarding your payments as set out in your statement or that we inform you. 11.3 US Dollar Cards 11.3.1 You must pay us in US Dollars. 11.3.2  you pay in any currency other than US Dollars, we may refuse to accept it. If we do accept If payment in another currency, we will change it into US Dollars at the standard rate we set on the date we receive the payment. In this case, or if you pay using a cheque drawn on a bank account outside the UK, there may be a delay before the amount is credited to your account. 11.4 Euro Cards 11.4.1 You must pay us in Euros. 11.4.2  you pay in any currency other than Euros, we may refuse to accept it. If we do accept payment If in another currency, we will change it into Euros at the standard rate we set on the date we receive the payment. In this case, or if you pay using a cheque drawn on a bank account outside the UK, there may be a delay before the amount is credited to your account. 11.5 Sterling Cards 11.5.1 You must pay us in Pounds Sterling. 11.5.2  you pay in any currency other than Pounds Sterling, we may refuse to accept it. If we do accept If payment in another currency, we will change it into Pounds Sterling at the standard rate we set on the date we receive the payment. In this case, or if you pay using a cheque drawn on a bank account outside the UK, there may be a delay before the amount is credited to your account. Payments will be credited to your account when received, cleared and processed. Any time periods that 11.6  we may provide are estimates only and are dependant on the payment system and service provider you choose to make payment. Please make sure that you allow sufficient time for us to receive, clear and process payments by the payment due date even if the payment due date falls on a weekend or public holiday. This includes mailing time for payments sent by mail and processing time for payments made using payment services offered by participating financial institutions which you should check with the financial institution. We 11.7  are not responsible for any delays in receiving and processing payments and you must pay any charges which may apply. If 11.8  you choose to pay by direct debit, you agree that any specific terms that we provide to you at enrolment will apply and form part of this agreement. 11.9  Third parties involved in the sending or processing of payments such as postal authorities or financial institutions are not our agents and their receipt of a payment will not be considered a payment received by us. 11.10  may, but are not obligated to, provide an additional grace period following the payment due date. We 12. ALLOCATION OF YOUR PAYMENTS 12.1 We will normally apply payments to your account in the following order: 12.1.1  applicable delinquency charges, cash advances withdrawals, linked credit account minimum dues, if any, purchases, in that order, 12.1.2 annual Cardmembership fees, 12.1.3  other fees charged by us that appear as a separate item on your monthly statement, for example, statement reprint fees, annual Cardmembership fee and; 12.1.4 charges, other than those above, service fees, that have appeared on a monthly statement. 12.2  servicing, administrative, systems or other business reasons, we may apply payments to your account For in some other order or manner that we may determine in our discretion. You agree that we may do so in a way that is favourable or convenient to us. 13. CHARGES MADE IN FOREIGN CURRENCIES 13.1 US Dollar Cards  you make a charge in a currency other than US Dollars that charge will be converted into US Dollars. If The conversion will take place on the date the charge is processed by us, which may not be the same date on which you made your charge as it depends on when the charge was submitted to us. 13.2 Euro Cards  you make a charge in a currency other than Euro, that charge will be converted into Euro. The If conversion will take place on the date the charge is processed by us, which may not be on the same date which you made your charge as it depends on when the charge was submitted to us. If the charge is not in U.S. Dollars, the conversion will be made through U.S. Dollars, by converting the U.S. Dollar amount into Euro. If the charge is in U.S. Dollars, it will be converted directly into Euro. 13.3 Sterling Cards  you make a charge in a currency other than Pounds Sterling that charge will be converted into Pounds If Sterling. The conversion will take place on the date the charge is processed by us, which may not be the same date on which you made your charge as it depends on when the charge was submitted to us. If the charge is not in U.S. dollars, the conversion will be made through U.S. dollars, by converting the charge amount into U.S. dollars and then by converting the U.S. dollar amount into Pounds Sterling. If the charge is in U.S. dollars, it will be converted directly into Pounds Sterling. 13.4 US Dollar, Euro & Sterling Cards 13.4.1  Unless a specific rate is required by applicable law, you understand and agree that the American Express treasury system will use conversion rates based on interbank rates that it selects from customary industry sources on the business day prior to the processing date (called reference exchange rate), increased once by 3.00% for US Dollar Cards, 2.7% for Euro Cards and 2.99% for Sterling Cards or as otherwise disclosed by us. If charges are converted by third parties prior to being submitted to us, any conversions made by those third parties will be at rates and may include a commission selected by them. Payment Methods Payment Method Dollar Card Euro Card Sterling Card Payment will be credited to the account: Payment will be collected approximately 14 days after your statement date. Ensure sufficient funds are in your financial institution account on the payment collection date. Direct Debit (If Applicable) Estimated Time Frames (which includes time for your bank to pay us) When payment is received and processed by us. Bank Transfer Account Name: American Express Services Europe Limited Bank A/C Number: 3582022339001 Swift No: SCBLUS33 Beneficiary Bank: Standard Chartered Bank One Madison Avenue New York NY 10010 Reserve Bank ABA Code: 026002561 Federal CHIPS Participant Code: 0256 Payment Reference: Please state your Card number starting 3745 Account Name: American Express Services Europe Limited Bank A/C Number: 180 992 05 IBAN Number (International Bank Acct No.): DE28512305000018099205 Swift Number: SCBLDEFX Beneficiary Bank: Standard Chartered Bank Germany Franklinstrasse 46-48 60486 Frankfurt, Germany Payment Reference: Please state your Card number starting 3743 Not Applicable Allow 3-5 working days for payment to be received on your account. When payment is received and processed by us. Cheque Send us a US Dollar Cheque with a remittance advice slip to: American Express Services Royal Avenue Widnes, United Kingdom, WA88 1AH Send us a Euro Cheque with a remittance advice slip to: American Express Services Royal Avenue, Widnes United Kingdom, WA88 1AH Send us a sterling Cheque with a remittance advice slip to: American Express Services Royal Avenue Widnes, United Kingdom, WA88 1AH Please include the bank account number and account number on the front of the cheque. Allow 3-5 working days from receipt of cheque for payment to be received on your account. When payment is received and processed by us. Please include the bank account number and account number on the front of the cheque. Please include the bank account number and account number on the front of the cheque. By Hand Hand deliver your cheque to your American Express Travel Agency location. Hand deliver your cheque to your American Express Travel Agency location. Allow up to 14 days for payment to be received on your account. When payment is received and processed by us. By Bank Arrangement You can arrange for your bank to settle your account by completing our bank arrangement form. You can arrange for your bank to settle your account by completing our bank arrangement form. You can arrange for your bank to settle your account by completing our bank arrangement form. Allow 3-5 working days for payment to be received on your account When payment is received and processed by us. Online Hand deliver your cheque to your American Express Travel Agency location. Not Applicable Not Applicable Pay online at www. americanexpress. co.uk using your debit card. Allow 2 working days for payment to be received on your account When payment is received and processed by us. 13.4.2  reference exchange rate is set daily. You agree that any changes in the reference exchange rate will The be applied immediately and without notice to you. Please note that the rate charged is not necessarily the rate available on the date of your transaction as the rate applicable is determined by the date on which the merchant submits a charge which may not be the date on which you authorise the transaction. Fluctuations can be significant. The reference exchange rate may be found on our website (www.americanexpress.co.uk) or you may contact us by telephone or email to obtain the rate. 14. Supplementary CardMEMBERS 14.1  your request, we may issue a Card on your account to another person (called a Supplementary At Cardmember). We may limit the number of Supplementary Cards issued on one account. 14.2  generally do not provide copies of agreements, statements, notices and other communications to a We Supplementary Cardmember. 14.3  Please see the “Liability” section of this agreement regarding the liability of a Supplementary Cardmember for charges made by that Supplementary Cardmember. 14.4  You agree and are responsible to ensure that each Supplementary Cardmember reads, understands and complies with this agreement and any notices and other communications that we may send to you. 14.5  cancel a Supplementary Card, please see the “Default/Closing Your Account” section of this agreement. To 15. CASH ADVANCES 15.1 If we permit you to obtain cash advances with your Card, then: 15.1.1 you must enrol and obtain a code to access ATMs that accept the Card; 15.1.2  may impose limits and restrictions on cash advances such as the minimum and maximum we limits that apply to cash advances for each transaction, day, statement period or otherwise; 15.1.3  participating financial institutions and ATM operators may also impose their own limits and restrictions on cash advances such as limits on the number of cash advances, the amount of each cash advance and access to and available services at ATMs; 15.1.4  reserve the right, without cause and without providing any notice to you, to terminate your we access to ATMs, even if your account is not in default; 15.1.5  fees apply as set out in the “Fees” section of this agreement and the ATM provider may also charge a fee; and 15.1.6 you must comply with any additional terms and conditions that we provide to you. 16. RECURRING CHARGES 16.1  You or a Supplementary Cardmember may authorise a merchant to bill your account at regular intervals for goods or services (called recurring charges). 16.2  replacement or new Card (called a replacement Card) may be issued to you if your Card is lost, stolen, A damaged, cancelled, renewed or switched to a different Card type. Your Card may also be cancelled or no further charges permitted without a replacement Card being issued (called a cancelled Card). 16.3  order to avoid potential disruption of recurring charges and the provision of goods or services by the In merchant in the case of a replacement Card or cancelled Card, it is always your responsibility to contact the merchant and provide replacement Card information or make alternate payment arrangements. 16.4  and any Supplementary Cardmembers (for their own charges) agree to be responsible for any recurring You charges that may continue to be charged to your account from a Card that has been replaced or cancelled. Recurring charges may be automatically charged to a replacement Card without notice to you. 16.5  Please note that we do not provide replacement Card information (such as Card number and Card expiry date) to the merchant. 16.6  stop recurring charges being billed to your account, you must have the right to do so by law or under To your arrangement with the merchant and you must advise the merchant in writing or in another way permitted by the merchant, to stop billing charges to your account. 16.7  we permit, you or a Supplementary Cardmember may authorise us or our agent to enrol you with a If merchant for recurring charges. You will remain responsible to make other payment arrangements until the recurring charges begin to be applied to your account. We are not responsible for any failure to enrol your account for recurring charges or if the merchant fails to charge your account. The paragraph above which deals with stopping recurring charges also applies if you or a Supplementary Cardmember uses our enrolment services. 17. AUTHORISATION 17.1 We may require charges to be authorised by us before they are accepted by a merchant. 17.2  Even though your account may not be in default, we may refuse any request for authorisation of a charge, for example, due to technical difficulties, fraud, your inability to pay your account in full and on time and/or other related reasons. Where possible, we may provide you at your request, our reasons for any refusal for authorisation. You may contact us on + 44 (0) 1273 868 900. 18. REPLACEMENT CardS Y  ou authorise us to send you and any Supplementary Cardmembers a replacement Card before the current Card expires. You must destroy any expired Cards by cutting them up. For Cards made of titanium, please contact Centurion Services on + 44 (0) 1273 576 453. This agreement as amended or replaced continues to apply to any replacement Cards we issue. 19. USE OF PERSONAL INFORMATION 19.1  will disclose information about you, your application for the Card, your account and charges on it (which We may include details of goods and/or services purchased) to companies within the American Express group of companies worldwide (including other organisations who issue the Card), to companies who distribute the Card, to any other party whose name or logo appears on the Card issued to you, to any party authorised by you, to our processors and suppliers and to organisations who accept the Card in payment for goods and/or services purchased by you and obtain such information from those parties and we will also use such information in order to administer and service your account, process and collect charges on it, manage any benefits or insurance programmes in which you are enrolled and reconcile payments due by us to the above companies, processors, suppliers and organisations arising as a result of the issue of the Card to you and/or its use by you. Where you purchase goods and/or services on behalf of a third party, you confirm that you have obtained consent of that third party to the disclosure of his or her information to American Express for these purposes. 19.2  We, other companies within the American Express group of companies worldwide (including other organisations who issue the Card), companies who distribute the Card and other companies specifically selected by us will have access to and will use information about you, and how you use your account to develop lists for use within the American Express group of companies worldwide (including other organisations who issue the Card) and other select companies in order that we or these companies may develop or (unless you ask us not to) make offers to you (by mail, email, telephone, via the internet, or by SMS) of products and services in which you may be interested. The information used to develop these lists may be obtained from the Application form process, from information on where you use and what charges are on your Card, from surveys and research (which may involve contacting you by mail, email, telephone, via the internet, or by SMS) and from information obtained from external sources such as merchants or marketing organisations, to the greatest extent permitted by law. We 19.3  will exchange information about you and your account with credit reference agencies. If you owe us money and do not repay in full or on time, we may tell credit reference agencies who will record the outstanding debt. This information may be shared with other organisations in assessing applications from you and applications from any other party with a financial association with you for credit or other facilities and for preventing fraud and tracing debtors. We 19.4  will carry out credit checks whilst any money is owed by you on your account (including contacting your bank, building society or any referee approved by you) and disclose information about you and your account to collection agencies and lawyers for the purpose of collecting debts on your account. 19.5  will carry out further credit checks, including at credit reference agencies, and analyse information We about you and charges on your account to assist in managing your account, authorise charges on it and to prevent fraud or any other unlawful activity. These credit reference agency searches will not be seen or used by other organisations to assess your ability to obtain credit. 19.6  will check your details with fraud prevention agencies. If false or inaccurate information is provided We and we suspect any unlawful activity such as fraud or fraud is identified, this will be recorded, and we may pass details to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when: 19.6.1  Checking details on applications for insurance, credit and credit related or other facilities; Managing credit, credit related accounts or facilities, and insurance policies; 19.6.2 Recovering debt; 19.6.3 Checking details on applications, proposals and claims for all types of insurance; or 19.6.4 Checking details of job applicants and employees  and other organisations may access and use from other countries the information recorded by fraud We prevention agencies.  Please contact us at ICC New Membership, Department Number 4060, American Express Services Europe Ltd, Telecom House, 125-135 Preston Road, BRIGHTON, BN88 1TH, UK if you want to receive details of the relevant UK fraud prevention and credit reference agencies. 19.7  you contact us by any electronic means, we may record any electronic identifier, including telephone If numbers or internet protocol address, supplied at the time. 19.8  have the legal right of access to your personal records held by credit and fraud prevention agencies. You We will supply the names and addresses of the agencies we have used upon request to ICC New Membership, Department Number 4060, American Express Services Europe Ltd, Telecom House, 125135 Preston Road, BRIGHTON, BN88 1TH, UK. We 19.9  will monitor and/or record your telephone calls to us, or ours to you, either ourselves or by reputable organisations selected by us, to ensure consistent servicing levels (including staff training) and account operation, and to assist, where appropriate, in dispute resolution. 19.10   e will link and/or consolidate with other companies within the American Express group of companies W worldwide, information about you and your account with information about other products and services you maintain with the Group in order to manage, maintain and develop the Group’s overall relationship with you, and to help the Group identify products and services in which you may be interested. 19.11  will undertake all of the above within and outside the UK and the European Union. This includes We processing your information in the USA in which data protection laws are not as comprehensive as in the European Union. When you travel or make foreign purchases by mail, email, telephone, or via the internet, American Express will also disclose to or access your information in other countries outside the European Union in which data protection laws may not be as comprehensive as in the European Union. In this case, American Express has taken appropriate steps to ensure the same level of protec