Cardmember Application Form

American Express Services Europe Limited has its registered ofice at Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX,

United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial

Conduct Authority.

AMERICAN EXPRESS® CORPORATE CARD

CorpCard-UKCardmemberApp-February2024

UKCP 159025

Please ensure you and your Company complete the Application Form ON COMPUTER(S). When completed please print and have both parties

sign the Application Form. Unless otherwise defined, any capitalised terms used in this form shall have the same meanings as those set out in the

American Express Corporate Card Cardmember Terms and Conditions. If you cannot complete on screen you may print this Application Form and

complete it in CAPITALS with black ink.

All fields marked with an * are mandatory and forms cannot be processed without them.

Card Type: (Fees may apply - see terms and

conditions attached to this Application Form)

Green Corporate Card

Liability Type:

Full Corporate Liability

1. Applicant Details

*Title:

Mrs Ms Miss Other

*Full First and Middle Name(s):

As they appear in your passport

or other ocial documentation

*Last Name:

*Please provide your name as you wish it to appear

on the Card in no more than 20 letters and spaces:

Surname is Mandatory

*Permanent Residential (not oce) Address

(inc. street number, street name,

town, postcode, country):

*Postcode:

*Country:

If you reside outside the UK please supply a copy of valid photo ID (passport, driver’s license or

national identity card) when you submit your Application Form.

*Date of Birth (DDMMYYYY):

*Nationality:

*Company Name:

*Oce Address

(inc. street number, street name,

town, postcode, country):

*Postcode:

*Country:

*Oce Telephone Number

(inc. country code):

*Mobile Number

(inc. country code):

*Please provide your mother’s maiden name. This

will be used to conﬁrm your identity for security

purposes :

E-mail Address:

(This will only be used for servicing purposes

by American Express unless you choose to

receive marketing oers by ticking the box

below)

American Express would like to send you emails with interesting news and specially selected marketing offers

that we feel may be of interest to you. We will not share your email address with other companies to market their

own products or services. If you would like to receive these emails please tick the above box.

You can update your email marketing preferences with American Express at any time by visiting

americanexpress.co.uk and by selecting the Privacy Statement link.

Employee Number (if applicable):

Department Code or Cost Centre

(if applicable):

If you have any current/previous

American Express Cards please provide details:

*Please indicate where you would like your Card to be sent (your Card will be delivered to this

address unless your Company has arranged to distribute it).

Oce address as provided above

Residential address as provided above

3 7

CLEAR

American Express Services Europe Limited has its registered ofice at Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX,

United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial

Conduct Authority.

Cardmember Application Form

UKCP 159025

2. Urgent Delivery

Normal Card delivery is within 12 working days (on receipt of a fully completed Application Form).

Tick here for delivery within 5 working days. A fee of £50 applies and will be charged to your Card.

3. Insurance Beneﬁts Enrolment

Your Card comes with insurance benefits, which are provided under a group policy that American Express holds for the benefit of its Cardmembers.

There is no additional charge to you if you choose to receive this benefit.

Please choose whether you would like the travel insurance cover benefits:

Yes No. I understand that there will not be an adjustment to any Card fees and that I can opt back in at any time by submitting a claim.

Please read and ensure that you understand the Insurance Key Information which can be found at:

americanexpress.co.uk/corporate/insurance – for Green Corporate Cards

americanexpress.co.uk/corporate/goldinsurance – for Gold Corporate Cards

americanexpress.co.uk/corporate/platinuminsurance – for Platinum Corporate Cards

4. Direct Debit Details

If your Company pays the Card bill, do not complete the Direct Debit Instruction. If you will be

paying the Card bill, Direct Debit is optional.

Instruction to your bank or building society to pay by Direct Debit.

Service User Number

Bank/Building Society Name

Bank/Building Society Address:

Postcode:

Name(s) of Account Holder(s)

Bank Sort Code:

Bank/Building Society Account Number:

Reference (internal use only):

Instruction to your Bank or Building Society

Please pay American Express Services Europe Limited Direct Debits from the account

detailed above subject to the safeguards assured by the Direct Debit Guarantee. I understand

that this Instruction may remain with American Express Services Europe Limited and, if so,

details will be passed electronically to my bank/building society.

Signature

(s)

✗

D D M M Y Y

Banks and building societies may not accept Direct Debit Instructions for some types of account.

5. Individual Declaration

By signing below, you confirm that you have received a copy of the American Express Corporate Card Cardmember Terms and Conditions

included in this application and agree to those Terms and Conditions.

You acknowledge and agree that American Express Services Europe Limited ("American Express") and/or its representatives will contact

any source, including credit reference agencies, to obtain information they require to establish the Account including, but not limited to,

information required to establish your identity. Unless your Account has Full Corporate Liability, you further authorise American Express

and/or its representatives to complete credit checks to establish the Account.

You understand that American Express may decline this application without giving a reason and without entering into any correspondence.

Please ensure this section is

signed and dated

*Applicant's Signature (Digital signature is not acceptable)

✗

D D M M Y Y

9900 37

AMERICAN EXPRESS® CORPORATE CARD

CorpCard-UKCardmemberApp-February2024

CLEAR

American Express Services Europe Limited has its registered ofice at Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX,

United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial

Conduct Authority.

Cardmember Application Form

UKCP 159025

6. Company Authorisation

It is essential that this form is counter-signed by a Programme Administrator (PA) or other

authorised signatory, signed for and on behalf of the Company.

*Basic Control Account Number under which

this application should be processed:

- --

If unsure the PA should contact the

Corporate PA Servicing Team on

0800 917 8230 (01273 608123).

*First Name(s):

*Last Name:

Job Title:

On behalf of the Company I conﬁrm that the details supplied by the applicant are correct.

I conﬁrm the identity of the applicant and hereby approve the applicant's application.

*Signature (Digital signature is not acceptable)

✗

D D M M Y Y

Additional Approver’s Signature (if applicable, e.g. Line Manager)

✗

D D M M Y Y

Submitting this Application Form

IMPORTANT: Have you checked this form is complete? Please check that each party has

completed all ﬁelds.

Print and sign

Once completed please print and ensure that:

• The applicant has signed and dated Section 5

• If the applicant is paying by Direct Debit please make sure the Direct Debit instruction is

signed and dated

• The authorised signatory has signed and dated Section 6. (If required by your company,

please ensure that two authorised signatories are included.)

• Please ensure that the Basic Control Account Number has been provided under Section 6.

Please return this Card Application Form to:

American Express Services Europe Limited, UK Corporate New Accounts, UMC 87-03-010,

1 John Street, Brighton BN88 1NH.

Fax 01273 667111

E-mail UKCorporateNewAccounts@aexp.com

If sending documents by email, please remember that the internet can be insecure.

The applicant should retain the Direct Debit Guarantee slip on page 11.

AMERICAN EXPRESS® CORPORATE CARD

CorpCard-UKCardmemberApp-February2024

CLEAR

Cardmember Terms and Conditions

CorpCard-UKCardmember-T&C’s-March 2021

American Express Services Europe Limited has its registered ofice at Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX,

United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial

Conduct Authority.

1. Acceptance/Subject Matter of the Agreement

This Agreement sets out the terms and conditions for your use

of the Card. Please read it very carefully and keep it for your

reference. By submitting an Application Form (or, if earlier, signing

or using the Card), you agree to the terms of this Agreement. If we

make any changes to this Agreement you will be deemed to have

accepted them subject to the “Changes” section of this Agreement.

This Agreement is open ended, it has no ixed duration and will

continue until you or we end it.

You can request a further copy of this Agreement free of charge at

any time during the term of the Agreement and if you do, we can

make copies available via the Programme Administrator.

This Agreement and all Communications between you and us

concerning this Agreement will be in English.

2. Definitions

In this Agreement:

“Account” or “Corporate Card Account” means any account we

maintain in relation to the Card;

“Afiliate” means any entity that controls, is controlled by, or

is under common control with the relevant party, including its

subsidiaries;

“Agreement” means this agreement with you;

“American Express Entity” means each of our Afiliates

and “American Express Entities” means any one or more

American Express Entity;

“Application Form” means the Account application form

completed by you;

“Balance Due” means the sum outstanding on your Account at

the date of the Statement;

“Card” means the American Express Corporate Card or any other

Account access device we issue for the purpose of accessing your

Account to purchase goods and/or services for Your Company’s

business purposes;

“Card Anniversary Date” means the day each year of the

anniversary of Cardmembership;

“Cash Advance” means the withdrawal of cash in any currency

through a range of methods including Express Cash and any other

cash products as agreed separately with us;

“Charges” means all and any payments made using a Card or

transactions otherwise charged to your Account and includes Cash

Advances (where we have agreed with Your Company), purchases,

fees, commissions, interest, taxes and all other amounts you

and/or Your Company (dependent on which liability structure is

chosen for the Account, please see “Liability for Charges” section

of this Agreement) have agreed to pay us or are liable for under

thisAgreement;

“Code(s)” means each of your Personal Identiication Number

(PIN), telephone code(s), on-line passwords and any other codes

or authentication methods established for use on your Account,

as speciied by us from time to time;

“Communications” means Statements, notices (including changes

to this Agreement), servicing messages, disclosures, additional

copies of this Agreement if requested and other communications;

“Merchant(s)” means a company, irm or other organisation

accepting American Express Cards as a means of payment for

goods and/or services;

“Online Statement Service” means our internet-based service that

we make available to you to obtain or review your Statements;

“Programme Administrator” means the person designated by

Your Company to act on its behalf in (i) the administration of the

American Express Corporate Card programme; (ii) communicating

with us about Corporate Card Accounts including your Account

and; (iii) passing on to you certain information we provide in

relation to the Card and your Account as explained within this

Agreement;

“PSRs” means the Payment Services Regulations 2017 (SI 2017/752)

as may be amended, consolidated, re-enacted or replaced from

time to time;

“Recurring Charges” means where you allow a Merchant to bill

your Account for a speciied or unspeciied amount, at regular or

irregular intervals for goods or services;

“Replacement Card” means a renewal or replacement Card issued

to you by us;

“Security Information” means your user ID and its associated

password, and any other authentication method speciied by us

from time to time, for use of our Online Statement Service;

“Statements” means statements sent by us in respect of your

Account during the relevant billing period;

“We”, “our” and “us” means American Express Services Europe

Limited, a company registered in England and Wales under

registration number 1833139, with its registered address at Belgrave

House, 76 Buckingham Palace Road, London SW1W 9AX, United

Kingdom, authorised by the Financial Conduct Authority under

the Payment Services Regulations 2009, reference number 661836,

for the provision of payment services, including its successors

and assignees;

“You”, “you” and the “Cardmember” means the person whose

name appears on the Card; and

“Your Company” means the company, business or irm that we

have an agreement with for the provision of the Card and by whom

you are authorised to incur business expenditure on the Card.

Additional deinitions can be found in the Agreement.

3. Use of the Card/Code(s)

a. You agree that your Account will be debited when you present

the Card to a Merchant that accepts the Card as payment and you:

i) enter your PIN or sign a paper slip issued by the Merchant;

ii) provide your Card number and related Card or Account details

by following the Merchant’s instructions for processing your

payment, and any other authentication method speciied by us

from time to time, in the case of online, telephone, mail order

purchases, Recurring Charges or through any other device such

as telephone boxes and parking permit dispensers;

iii) conclude an agreement with a Merchant and you consent to

the Merchant charging your Account for an amount that is

speciied in such agreement;

iv) authorise a contactless Charge by passing your Card over

a contactless card reader or authorise a Charge requested

through digital wallet technology; or

v) verbally consent, or conirm your agreement, to all or part of

a Charge after the Charge has been submitted.

You cannot cancel Charges once you have authorised them, except

for Recurring Charges which can be cancelled for the future. Please

see the “Recurring Charges” section of this Agreement.

b. We may impose and vary limits and restrictions on your use of

your Card for contactless or digital wallet technology Charges

such as a maximum amount for each Charge, day, statement

period or otherwise or a requirement to enter your PIN after a

certain number or value of contactless or digital wallet technology

Charges.

c. To prevent misuse of your Account and the Card, you must ensure

that you:

i) sign the Card as soon as received;

ii) keep the Card secure at all times;

iii) regularly check that you still have the Card in your possession;

AMERICAN EXPRESS CORPORATE CARD

CLEAR

Cardmember Terms and Conditions

CorpCard-UKCardmember-T&C’s-March 2021

American Express Services Europe Limited has its registered ofice at Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX,

United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial

Conduct Authority.

AMERICAN EXPRESS CORPORATE CARD

iv) do not let anyone else use the Card;

v) retrieve the Card after making a Charge;

vi) never give out the Card details, except when using the Card

in accordance with this Agreement; and

vii) when transferring the number of the Card in payment for

a Charge (online or mail order purchases), comply with the

applicable instructions and recommendations issued by us or

an American Express Entity on each occasion.

d. To protect your Codes (including your PIN), you must in each case

ensure that you:

i) memorise the Code;

ii) destroy our communication informing you of the Code (if

applicable);

iii) do not write the Code on the Card;

iv) do not keep a record of the Code with or near the Card or

Account details;

v) except as may be required if you allow another service

provider to obtain authorised access to, or to make authorised

Charges from, your Account in accordance with the PSRs, do

not tell the Code to anyone or otherwise allow access to it

(except for the telephone code established for use on your

Account which may be provided to us when you contact us

bytelephone);

vi) do not choose a Code (if you select a Code) that can easily

be associated with you such as your name, date of birth or

telephone number; and

vii) take care to prevent anyone else seeing the Code when

entering it into an electronic device (including an ATM).

4. Permitted Uses

a. You are the only person who may use the Card. The Card is issued

to you solely for the purchase of goods and services for Your

Company’s business purposes.

b. You may use the Card, subject to any restrictions set out in this

Agreement, to pay for goods and services from Merchants, except

where Your Company has restricted use of the Card at a Merchant.

c. If we have agreed with Your Company, you may also, in accordance

with the agreement we have with Your Company, use your Account

and the Card to obtain Cash Advances solely for the business

purposes of Your Company.

5. Prohibited Uses

a. You must not:

i) give the Card or Account number to any person or allow

them to use the Card or Account for Charges, identiication

or any other purpose, other than to give your consent to a

transaction in accordance with the “Use of the Card/Code(s)”

section of this Agreement;

ii) allow another person to use the Card or Codes for any reason;

iii) return goods or services obtained using your Account or Card

for a cash refund. If permitted by the Merchant, goods and

services charged to a Card may be returned to the Merchant

for a credit to that Card;

iv) use the Card to obtain cash from a Merchant for a Charge

recorded as a purchase;

v) obtain a credit to your Account except by way of a refund

for goods or services previously purchased on your Account;

vi) use the Card if you are bankrupt or insolvent or if you do not

honestly expect to be able to pay us any sums you owe us

under this Agreement;

vii) use the Card if you know or could be reasonably expected

to know that Your Company is insolvent, wound up, if an

administrator or administrative receiver has been appointed

or it is subject to any other form of insolvency procedure;

viii) use the Card or your Account to obtain cash unless we

have agreed with Your Company separately to permit Cash

Advances;

ix) use a Card which has been reported to us as lost or stolen until

such time as we issue a new Card or new Account details (in

which case you must use the new details) or we otherwise

conirm that you may resume use of the Account/Card;

x) use a Card after it has been suspended or cancelled, after the

Account expires or after the ‘valid thru’ date shown on the

front of the Card;

xi) use the Card for any purpose other than the genuine purchase

of goods and/or services (or Cash Advances, if applicable);

xii) use the Card to purchase anything for the purpose of re-sale

unless we have previously agreed to this with Your Company;

xiii) use the Card to purchase anything from a Merchant that Your

Company or any third party related to Your Company have any

ownership interest in, where such ownership interest does

not include shares quoted on a recognised stock exchange.

b. Subject to the “Lost/Stolen Cards, Incorrectly Executed

Transactions and Misuse of Your Account” section of this

Agreement, you will be responsible for any prohibited use of your

Account even if we did not prevent or stop the prohibited use,

unless otherwise provided by law.

6. Cash Advances

Participation in the Express Cash Service (or any Cash Advance

facility), which allows you to obtain Cash Advances, is permitted

for use with your Card if Your Company permits and will be

governed by a separate agreement with Your Company. Your

Company is solely liable to us for all Cash Advances. If we agree

with Your Company to allow you to obtain Cash Advances and

Your Company enrols you in our Express Cash Service (or any

other Cash Advance facility), then:

i) you will only be entitled to withdraw cash for the legitimate

business purposes of Your Company;

ii) Your Company may by notiication to us stop you from using

the Express Cash Service (or any other Cash Advance facility)

at any time and Cash Advances will no longer be available

to you;

iii) Your Company must enrol you in the Express Cash Service (or

any other Cash Advance facility) and obtain a Code to access

ATMs that accept the Card;

iv) we may impose limits and restrictions on Cash Advances

such as the minimum and maximum limits that apply to

Cash Advances for each Charge, day, Statement period or

otherwise;

v) participating inancial 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;

vi) we reserve the right, without cause and without providing

any notice to you, to terminate your access to Cash Advances

and ATMs, even if the Account is not in default;

vii) fees apply for Cash Advances and are set out in the “Fees”

section of this Agreement. The ATM provider may also charge

a fee; and

viii) you must comply with any instructions Your Company

provides to you in relation to Cash Advances.

7. Statements and Queries

a. Unless the Card is subject to “Full Corporate Liability” as described

in the “Liability for Charges” section of this Agreement and Your

Company is responsible for centrally settling payment of your

CLEAR

Cardmember Terms and Conditions

CorpCard-UKCardmember-T&C’s-March 2021

American Express Services Europe Limited has its registered ofice at Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX,

United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial

Conduct Authority.

AMERICAN EXPRESS CORPORATE CARD

Account with us, we will make available to you, in the manner set

out in the “Communicating with You” section of this Agreement,

Statements periodically and at least once a month if there has

been any Account activity. Unless we agree with Your Company

otherwise, if you enrol in, or if we enrol you automatically in,

our Online Statement Service your Statement is available to

you online. We may also make your Statement available via the

Programme Administrator. Terms and conditions apply to your

use of our Online Statement Service and are set out in the “Online

Statement Service” section of this Agreement. Your Statement

will show important information about your Account, such as

the outstanding balance on the last day of the Statement period,

the payment due, the payment due date, the currency conversion

rate and applicable fees and will include Charges made by you.

b. 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 by

contacting us through the Programme Administrator or directly

on the number provided in the “Lost/Stolen Cards, Incorrectly

Executed Transactions and Misuse of Your Account” section of

this Agreement. We will normally expect this to be within one (1)

month of receipt of your Statement.

c. If you or Your Company does not query a Charge that you believe

is unauthorised or incorrectly executed within this period, or in

some cases within up to thirteen (13) months, you and/or Your

Company, dependent on which liability structure is chosen for

the Account (please see the “Liability for Charges” section of this

Agreement), may be liable for this unauthorised or incorrectly

executed Charge. If we request, you agree to promptly provide

us with written conirmation of your question or concern and

any information we may reasonably require that relates to your

question or concern.

d. You agree we may send you notices, including notices of variation

of this Agreement, with your Statement (whether online or paper

copy).

8. Online Statement Service

a. If you are enrolled in our Online Statement Service you may access

the service via our website, using your Security Information. You

will not receive paper Statements unless we have reason to send

you one such as if your Account is overdue. You must access

the Online Statement Service regularly and check it for any new

Statements.

b. If you do not receive or are unable to access a Statement, regardless

of the reason, where you are liable to make payment to us (please

see the “Liability for Charges” section of this Agreement), this

shall not affect the payment obligations under this Agreement. It

is your responsibility to contact us in such circumstances to obtain

relevant information in order to fulil any payment obligations.

c. Each online Statement is kept available online for six (6) months.

You can print out your statement data and/or download it for

future reference.

d. You are responsible for obtaining and maintaining your own

compatible computer system, software, and communications

lines required to properly access the Online Statement Service.

We have no responsibility or liability in respect of your software

or equipment.

e. You are responsible for all telecommunications and similar charges

incurred by you in accessing and using the Online Statement

Service.

f. We may alter the facilities available under the Online Statement

Service at any time. We will inform you of these changes and

any corresponding changes to Online Statement Service terms

and conditions in accordance with the “Changes” section of this

Agreement.

g. Your Security Information is conidential to you and must not be

shared with any other person or recorded in an insecure location

accessible to anyone else. We are not responsible for any misuse

of the Online Statement Service by you or anyone else nor for

any disclosure of conidential information by us where you have

failed to take reasonable precautions to protect your Security

Information.

h. We may terminate or suspend the use of an Online Statement

Service at any time. We will give you prior notice of any withdrawal

or suspension of the Online Statement Service in accordance

with the “Changes” section of this Agreement except (i) in

circumstances beyond our control; (ii) in the event of suspicion

of unauthorised use or breach of the terms of use for an Online

Statement Service; or (iii) for security reasons.

i. We will not be responsible if any information made available via

the Online Statement Service is not available or is inaccurately

displayed due to systems failure, interruptions in the

communications systems or other reasons outside of our control.

j. When your Statement is made available through the Online

Statement Service, we will send you a notiication to the e-mail

address you have provided to us to advise you that your Statement

is ready to view online.

k. If we detect that the e-mail address you have provided is invalid,

the e-mails that are sent to your address are returned or are not

received by you, we may revert to sending you printed Statements

through the post or may attempt to contact you or Your Company.

Our action or inaction does not limit your or your Company’s

obligations under this Agreement.

l. We will not be responsible where any e-mail sent to you under

this Agreement is not received by you due to your e-mail address

having changed or being invalid or due to systems failure,

interruptions in the communications systems or other reasons

outside our control.

m. If you do not receive your notiication e-mail, you are required to

obtain your Account balance either by logging on to our Online

Statement Service via our website or calling the Customer Service

telephone number printed on the reverse of the Card.

n. The fact that you have not received our e-mail notiication or

you have not been able to access your Statement online does not

constitute an exception to your obligation to pay your Account

balance on time.

o. You may cancel participation in the Online Statement Service at

any time and, in this case, paper Statements will be provided or

made available by mail or by another means agreed with you.

9. Fees

a. The fees that apply to your Account are set out below. We are

entitled to charge these fees to your Account when due.

b. A maximum Card membership annual fee of £45 for the Corporate

Green Card, £100 for the Corporate Gold Card or £375 for the

Corporate Platinum Card is payable annually for each membership

year. The irst Card membership annual fee is payable on the irst

Statement date after the Card is issued and then on the Statement

date following the beginning of each membership year unless we

agree with you and Your Company otherwise. A membership year

starts on the Card Anniversary Date and ends on the day before

the next Card Anniversary Date.

c. If you do not pay the Balance Due on your Statement in full by

the due date, you are in default and you agree that we may charge

you a late payment fee of £12 plus 2% of the overdue amount.

The overdue amount is the unpaid balance of the Balance Due

on your previous Statement, excluding any unpaid late payment

CLEAR

Cardmember Terms and Conditions

CorpCard-UKCardmember-T&C’s-March 2021

American Express Services Europe Limited has its registered ofice at Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX,

United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial

Conduct Authority.

AMERICAN EXPRESS CORPORATE CARD

fees. Late payment fees are not charged if the overdue amount is

less than £25.

d. If your Account is sixty (60) days or more overdue for payment and

we cancel the Card and close your Account, we will charge a fee of

£95 for re-instatement of the Card and your Account.

e. We will also charge your Account for any reasonable costs we incur

in recovering overdue payments. These costs may be added to

the outstanding sum and include the cost of using third parties,

such as a irm of solicitors, and any costs they themselves incur

in trying to recover a debt on our behalf.

f. If your Account is paid with a cheque or direct debit and your bank

does not honour the cheque or the direct debit, we will charge you

for any reasonable costs we incur.

g. If you make a Charge that is submitted to us in a currency other

than Pound Sterling, or if we receive a refund in a currency other

than Pound Sterling, we will apply a currency conversion rate to

the Charge or refund and a non-sterling transaction fee of 2.99%.

Please see the “Charges in a Foreign Currency” section of this

Agreement.

h. A Statement Copy Fee of £2 plus VAT may be payable if you request

paper copies of Statements, for each copy provided.

i. A Cash Advance Fee of £3 or 3% (whichever is the greater) of the

amount of any cash you request is payable by Your Company under

the agreement we have with them for Cash Advances. A fee may

also be charged by the provider of any ATM you use in obtaining

cash.

j. A fee of £30 plus VAT is payable to enrol a Green or Gold Corporate

Card in the Membership Rewards Programme.

k. We may, at any time, as a continuous right, without prior notice

and before and after demand, set off against any credit on your

Account any amount due by you to us on any other account you

have with us and to do so may convert to one currency any amount

which is in a different currency.

10. Right to Change Fees and Commissions

We may change the circumstances in which any of the fees on

your Account are charged, the amount of those fees and introduce

additional fees in accordance with the “Changes” section of this

Agreement.

11. Charges in a Foreign Currency

a. If you carry out a Charge that is submitted to us in a currency

other than Pound Sterling, or if we receive a refund in a currency

other than Pound Sterling, that Charge or refund will be converted

into Pound Sterling using the American Express Exchange Rate (as

described below). The conversion will take place on the date the

Charge or refund is processed by us, which may not be the same

date on which you authorise the Charge or the date of the refund

as it depends on when the Charge or refund was submitted to

us. If the Charge or refund is not in U.S. dollars, the conversion

will be made through U.S. dollars, by converting the Charge or

refund amount into U.S. dollars and then by converting the U.S.

dollar amount into Pound Sterling. If the Charge or refund is in U.S.

dollars, it will be converted directly into Pound Sterling.

b. Unless a speciic rate is either required by applicable law, or is used

as a matter of local custom or convention in the territory where the

Charge or refund is made (in which case we will look to be consistent

with that custom or convention), you understand and agree that the

American Express treasury system is based on interbank rates that

it selects from customary industry sources on the business day prior

to the processing date (called “American Express Exchange Rate”),

to which a non-Sterling transaction fee of 2.99% will be applied.

c. When you make a Charge in a foreign currency, you may be given

the option of allowing a third party (for example, the merchant)

to convert the Charge into Pound Sterling before submitting it

to us. It is your decision whether to use the third party currency

conversion or not. If Charges are converted by third parties prior

to being submitted to us, any conversions made by those third

parties will be at an exchange rate, and may include a commission

or charge, selected by them. You should check the fees and charges

before completing the Charge to ensure that you do not pay more

than necessary. Since a Charge converted via the third party will

be submitted to us in Pound Sterling, we will not apply a non-

Sterling transaction fee.

d. The American Express Exchange Rate is set daily between Monday

and Friday, except Christmas Day and New Year’s Day. You agree

that any changes in the American Express Exchange Rate will be

applied immediately and without notice. The rate charged is not

necessarily the rate available on the date of your transaction or

refund as the rate applicable is determined by the date on which

the Merchant or ATM operator, in the case of Cards which can

be used at ATMs, submits a Charge or refund which may not be

the date on which you authorise the transaction or a refund is

made. Fluctuations can be signiicant. The American Express

Exchange Rate may be found by logging onto your Online

Account to access the Foreign Transaction Calculator. The total

cost of converting your currency (we call this the ‘the Currency

Conversion Charge’) consists of the American Express Exchange

Rate and the non-Sterling transaction fee. Regulation requires us

to provide you with information to enable you to compare the cost

of the Currency Conversion Charge with reference rates issued

by the European Central Bank. This information can be found at

www.americanexpress.com/uk/legal/fx-ecb-comparison.

e. You agree you are acting only for the purposes of your trade,

business or profession when using the Card and acknowledge and

agree that we are not required to send any notiications to you

relating to currency conversion charges, as required by Regulation

(EU) 2019/518.

12. Liability for Charges

a. You and/or Your Company shall be liable to us for all Charges

in accordance with the liability type that is identiied in the

Application Form or that Your Company has otherwise agreed

with us in writing. Subject to the terms of the “Cash Advances”,

“Statements and Queries” and “Lost/Stolen Cards, Incorrectly

Executed Transactions and Misuse of Your Account” sections of

this Agreement:

i) “Full Corporate Liability” means, Your Company shall be fully

liable to us for all Charges;

ii) “Combined Liability” means Your Company and you shall be

jointly and severally liable for all Charges incurred by you;

provided, however, that Your Company shall not be liable for

Charges (a) incurred by you that are personal in nature and

which did not accrue a beneit to Your Company or (b) for

which Your Company has reimbursed you; and

iii) “Individual Liability” means that, except as otherwise

expressly provided in this Agreement, you are liable to us

for all Charges.

b. Regardless of the liability type or settlement option identiied in

the Application Form or that Your Company has agreed with us

in writing, you may be able to make settlement for Charges on

your Card.

13. Payment

a. All Charges are due and payable to us in full in Pound Sterling on

the date set out on your monthly Statement.

b. Any payment made in any currency other than Pound Sterling,

if accepted by us, is converted into Pound Sterling. This will

delay the credit to your Account and may involve the charging of

currency conversion fees.

CLEAR

Cardmember Terms and Conditions

CorpCard-UKCardmember-T&C’s-March 2021

American Express Services Europe Limited has its registered ofice at Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX,

United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial

Conduct Authority.

AMERICAN EXPRESS CORPORATE CARD

c. Payments will be credited to your Account when received, cleared

and processed by us. The time for payments to reach us for clearing

and processing depends on the payment method, system and

provider used to make payment to us. You must allow suficient

time for us to receive, clear and process payments by the payment

due date.

d. We may, at our discretion, accept late or partial payment in full or

payment in settlement of a dispute. In so doing we do not lose or

consent to vary any of our rights under this Agreement or under

the law.

e. We will normally apply payments to your Account irstly to the

amounts that have appeared on your Statement and secondly to

amounts that have not yet appeared on your Statement.

For servicing, administrative, systems or other business reasons,

we may apply payments to your Account in some other order or

manner that we may determine at our discretion. You agree that

we may do so in a way that is favourable or convenient to us.

f. We do not pay any interest on positive balances on your Account.

14. Card is Our Property

The Card is only valid for the time period stated on the Card.

Although you use the Card on your Account, the Card remains

our property at all times. You may be asked to destroy the Card

by cutting it up or returning the Card to us or anyone we ask to

take it on our behalf, including Merchants. We may also inform

Merchants that the Card is no longer valid.

15. Replacement Cards

a. A Replacement Card will be sent to you if the Card is lost, stolen,

damaged, cancelled, renewed or switched to a different card type.

The Card may also be cancelled or no further Charges permitted

without a Replacement Card being issued.

b. You authorise us to send you a Replacement Card before the

current Card expires. You must destroy any expired Cards by

cutting them up or returning them to us. This Agreement as

amended or replaced continues to apply to any Replacement

Cards we issue.

c. Please note that we do not provide Replacement Card information

(such as Card number and Card expiry date) to Merchants.

16. Recurring Charges

a. In order to avoid potential disruption of Recurring Charges and

the provision of goods or services by the Merchant in the case of a

Card being cancelled, you may wish to contact the Merchant and

provide your Replacement Card information or make alternate

payment arrangements.

b. Recurring Charges may be automatically charged to a Replacement

Card without notice to you in which case You and/or Your Company

(dependent on which liability structure is chosen for the Account,

please see the “Liability for Charges” section of this Agreement)

are responsible for any such Recurring Charges but please note

that we are not obliged to provide Replacement Card information

(such as Card number and Card expiry date) to Merchants.

c. To stop Recurring Charges being billed to your Account, you may

wish to advise the Merchant in writing or in another way permitted

by the Merchant.

d. You may contact us on 0800 917 8031 or 01273 689 955 if you wish

to cancel a Recurring Charge. You must notify us no later than the

close of business on the business day before the Recurring Charge

is due to be made to theMerchant.

e. If we permit, you may allow us or our agent to enrol you with a

Merchant for Recurring Charges. You will remain responsible to

make other payment arrangements until the Recurring Charges

begin to be applied to yourAccount.

17. Acceptance of Charges by Us

a. We may require Charges to be approved by us before they are

accepted by a Merchant.

b. Each Charge is approved based on the expense level and credit

history of all of your and/or Your Company’s accounts established

with us, as well as on your credit history with other inancial

institutions and your personal resources and income known by us.

c. Even though your Account may not be in default, we may refuse

any request for approval of a Charge, on reasonable grounds

for example where we suspect unauthorised, improper and/or

fraudulent use, due to technical dificulties, security concerns,

unusual spending behaviour, increased risk that you and/or

Your Company may not be able to pay your Account in full and

on time (including without limitation, exceeding limits that

we impose on Your Company’s outstanding obligations to us

such as global credit limits that apply to some or all Cards), late

payment, problems reported by the credit reference agency or

if the use of the Card is prohibited pursuant to the ‘Prohibited

Uses’ section of this Agreement. Where possible, we may provide

you, at your request, our reasons for any refusal for approval.

You may contact us on 0800 917 8031 or via our website

business.americanexpress.com/uk.

18. Use of Personal Information

The following terms apply to the processing of your Data

(for additional information in respect of such processing,

please refer to the Privacy Statement on our website

business.americanexpress.com/uk):

a. To the extent necessary, we may (1) exchange information about

you (including your personal data), your Account and Charges on

your Account (including details of goods or services purchased)

(“Data”) within the American Express Entities, including their

agents, processors and suppliers; to Your Company (including

the Programme Administrator) or its Afiliates, including their

agents and processors; to any party authorised by you; to your

bank, building society or payment card issuer; to local regulatory

authorities; to companies who distribute the Card; to any other

party whose name or logo appears on the Card; and to Merchants

used by you, and/or (2) otherwise process your Data (including

proiling), in each case in order to administer and service your

Account or the American Express Corporate Card programme,

process and collect Charges on it and manage any beneits,

insurance, travel or other corporate programmes in which you

or Your Company are enrolled, or for security, anti-fraud and

regulatory purposes.

b. American Express Entities, other companies and appointed

processors speciically selected by us will have access to and may

process the Data (including proiling) to develop lists to allow us to

make relevant offers to you (by mail, e-mail, telephone or via the

internet), provided that you have opted in to it where required.

We may (i) anonymise the Data (ii) consolidate the Data from

various American Express Entities and/or (iii) aggregate your

Data and other cardmembers’ data in order to manage, maintain

and develop our overall relationship with you. The Data used to

develop these lists may be obtained from the Application Form

and process, from the Charges on the Card, from surveys and

research (which may involve contacting you by mail, e-mail,

telephone or via the internet provided that you have opted in

to it where required) and other sources such as Merchants or

marketingorganisations.

c. Recognising that the Card is only to be used for business purposes

we may use information about you, your Account and Charges

made using the Card, to prepare reports and statistics to enable Your

Company to uphold an effective administration and procurement

CLEAR

Cardmember Terms and Conditions

CorpCard-UKCardmember-T&C’s-March 2021

American Express Services Europe Limited has its registered ofice at Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX,

United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial

Conduct Authority.

AMERICAN EXPRESS CORPORATE CARD

policy, as well as in order to fulil contractual obligations towards

Your Company, this may also include information on outstanding

debt. Such reports and statistics may be made available to Your

Company (including the Programme Administrator and designated

employees) or its Afiliates, including their agents and processors

for the purposes of administration of the American Express

Corporate Card programme and includes detailed information per

transaction like your name, Card number, transaction descriptions

(including for example dates, values and currencies), information

on Merchant and Merchant industry.

d. Unless your Account has “Full Corporate Liability” as described

in the “Liability for Charges” section of this Agreement we may:

i) exchange the Data with credit reference agencies (“CRAs”). If

you owe us money and do not repay in full or on time, we may

tell CRAs to record the outstanding debt. This information

may be used to make decisions about offering products such

as credit and credit-related services and other facilities to you

or another individual with an existing inancial association

with you and for preventing fraud and tracing debtors;

ii) carry out credit checks while any money is owed on your

Account (including contacting your bank, building society

or approved referee) and disclose the Data to collection

agencies and lawyers for the purpose of collecting debts on

your Account; and/or

iii) carry out further credit checks, including at CRAs, and

analyse your Data to assist in managing your Account, to

approve Charges, to develop risk management policies,

models and procedures, and to prevent fraud or any other

unlawful activity. These CRA searches may be seen or used

by other organisations to assess your ability to obtain credit

or to comply with their legal obligations.

e. We may exchange the Data with fraud prevention agencies such

as the UK Card Association and the CIFAS. If you give us false or

inaccurate information resulting in fraud, this may be recorded

for security purposes. These records may be used by us and

other organisations to make decisions about offering products

such as credit and credit-related services, motor, household, life

and other insurance products to you and any other party with

inancial association with you, to make decisions about insurance

claims made by you or any other party with a inancial association

with you, trace debtors, recover debt, prevent fraud and money

laundering and manage your accounts or insurance policies.

f. We, and reputable organisations selected by us, may monitor

or record your telephone calls to us or ours to you to ensure

consistent servicing levels (including staff training) and account

operation, to assist in dispute resolution and follow up on your

contractual requests.

g. We may undertake all of the above both within and outside the

UK and the European Union (“EU”). This includes processing

your information in the USA in which data protection laws are

not as comprehensive as the EU. In these cases, please note that

we always take appropriate steps to ensure an adequate level of

protection as required by laws in the EU.

h. We use advanced technology and well-deined procedures to

help ensure that your Data is processed promptly, accurately and

completely.

i. We will process your Data as set out above either where you

consent to those speciied purposes, to comply with a legal or

contractual obligation, or because it is necessary for the purposes

of our legitimate interests.

j. In certain instances, you have the right to access, update, and

change or correct, or erase your Data. You may also be entitled to

restrict how we use your Data and you may also be able to object

to your Data being used. Where you have consented to us using

your Data, you may withdraw that consent at any time. You may

also have the right to receive information about you in a way that

can be “ported” elsewhere. Please refer to our Privacy Statement

on our website business.americanexpress.com/uk for more

information on exercising these rights. Please refer to our Privacy

Statement on our website business.americanexpress.com/uk for

more information on exercising these rights. In addition:

i) If you wish to opt-out of marketing programmes, we

recommend you update your privacy preferences by logging

in to business.americanexpress.com/uk. Alternatively, you

can write to us at American Express, Dept. 68, 1 John Street,

Brighton, BN88 1NH.

ii) You have the legal right of access to your personal records

held by CRAs and fraud prevention agencies. We will supply

the names and addresses of the agencies we have used upon

request to American Express, New Accounts Dept. (OCU),

Dept. 149, 1 John Street, Brighton, BN88 1NH.

iii) If you believe that any Data that we hold about you is

incorrect or incomplete, you should write without delay to

American Express, Dept. 2007, 1 John Street, Brighton, BN88

1NH. Any Data which is found to be incorrect or incomplete

will be corrected promptly.

k. We keep Data about you only for so long as is appropriate for the

above purposes or as required by applicable law. If you ask, we

will provide you with information on the Data we hold about you

in accordance with applicable law.

19. Insurance

You may beneit from insurance taken out by us with third party

insurance providers. The continuing provision, scope and terms

of the insurance beneits may be changed or cancelled by us or the

third party insurance provider at any time during the term of this

Agreement. Wherever possible, we will give you or Your Company

at least sixty (60) days advance notice of any detrimental changes

to or cancellation of the insurance beneits.

20. Communicating with You

a. Communications will be made available to you by post, e-mail,

SMS, insertion of the relevant note in the Statement (or Statement

insert) or via the Online Statement Service or through links on

webpages accessible via the Online Statement Service or any

combination of these and you agree that it is your responsibility

to access all such Communications. You must maintain a valid

mailing address and phone number in our records for your Account

(except as set out below). You also agree that we may communicate

with you via Your Company or Programme Administrator by post,

e-mail, SMS, insertion of the relevant note in the Statement (or

Statement insert) or via the Online Statement Service (or through

links on webpages accessible via the service) that we may establish

from time to time, in which case a Communication to Your

Company or Programme Administrator about the Card, Account or

this Agreement will be deemed to be a notiication from us to you.

b. Where the Card is subject to “Full Corporate Liability” as described

in the “Liability for Charges” section of this Agreement and Your

Company is responsible for centrally settling payment of your

Account with us directly, we may give notice of changes to our

Corporate Card programme to Your Company on your behalf and

not to you personally.

c. You must keep us up to date with your name, e-mail addresses,

postal mailing address and phone numbers and other contact

details for delivering Communications under this Agreement.

We shall not be responsible for any fees or charges or any other

damage suffered by you, if you fail to inform us about any changes

to such contact details.

CLEAR

Cardmember Terms and Conditions

CorpCard-UKCardmember-T&C’s-March 2021

American Express Services Europe Limited has its registered ofice at Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX,

United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial

Conduct Authority. 10

AMERICAN EXPRESS CORPORATE CARD

d. You must inform us of any changes to other information previously

provided to us such as information you provided when you

applied for your Account. You also agree to give us any additional

information we reasonably request.

e. All electronic Communications that we provide including

Statements will be deemed to be received on the day that we send

the notiication e-mail or post the Communication online even if

you do not access the Communication on that day.

f. If we have been unable to deliver any Communication or a

Communication has been returned after attempting to deliver it

via an address or telephone number previously advised to us by

you or the Programme Administrator, we will consider you to be in

material breach of this Agreement and may stop attempting to send

Communications until we receive accurate contact information.

Our action or inaction does not limit your obligations under this

Agreement. All deliveries to the address most recently stated to

us are considered to have been delivered to you.

g. Your Company may provide us with your contact details including

your telephone number(s), e-mail and home address for the

purposes of managing your Account.

21. Complaints and Problems with Goods and Services Purchased

a. If you have a complaint or problem with a Merchant or any goods

or services charged to your Account, you and/or Your Company

(dependent on which liability structure is chosen for the Account,

please see the “Liability for Charges” section of this Agreement)

must still pay all Charges on your Account and settle the dispute

directly with the Merchant.

b. If you have any complaints about your Account or the service you

have received from us, please contact our Customer Relations

Department at American Express, Department 66, 1 John

Street, Brighton, BN88 1NH. Details of our complaints handling

procedures are available on request.

c. If you are unable to resolve your complaint with us and have

received a inal response from us conirming this, you may be

entitled to refer it to the Financial Ombudsman Service, Exchange

Tower, London E14 9SR. Details of eligible complainants can be

obtained from the Financial Ombudsman Service, which will

usually only review your complaint if you refer it within six (6)

months of the date of our inal response.

d. We do not use any third party dispute resolution service to

resolve complaints made under this Agreement. All complaints

will be dealt with in accordance with our internal complaints

handling procedures and you will receive a inal response from

us conirming our response to your complaint.

22. Lost/Stolen Cards, Incorrectly Executed Transactions and Misuse

of YourAccount

a. You must tell us immediately by telephone at 0800 917 8031 (01273

689 955) if:

i) a Card is lost or stolen;

ii) you know a Card or Replacement Card has not been received;

iii) you suspect that someone else has learnt a Code;

iv) you suspect that your Account is being misused or a Charge

has not been authorised;

v) you suspect that a Charge has been processed incorrectly;

vi) your Card is used for a contactless or digital wallet technology

Charge without your authorisation;

vii) you discover, after reviewing your Statement, that a Recurring

Charge has been charged to your Account which you

previously requested the Merchant or us to cancel.

b. If a Card is reported lost or stolen we will cancel the Card and

issue a Replacement Card. If a lost or stolen Card is later found, it

must not be used and must be cut in two or otherwise destroyed

immediately.

c. You or Your Company’s maximum liability for any unauthorised

Charges on the Card is £35 unless you:

i) did not comply with this Agreement (including the ‘Use of

the Cards/ Codes’ section) intentionally or because you were

grossly negligent. For example if you fail to take reasonable

steps to keep the Card’s security features safe; or

ii) have acted fraudulently. For example, if you gave the Card

and/or Codes to another person to use, then you may be liable

for the full amount of any unauthorised Charges.

d. Provided you have not acted fraudulently, then you will not be

liable to us for any unauthorised Charges once you have notiied

us.

e. You agree to cooperate with us, including giving us a declaration,

afidavit and/or a copy of an oficial police report, if we ask. You

also agree that we may provide information to the authorities.

f. If there are errors in a transaction and this is our fault, we will

reverse the Charge and restore your Account as if the transaction

had not taken place. We reserve the right to resubmit the correct

transaction amount.

g. If upon contacting us, you wish to dispute a transaction, we will

initiate an inquiry and place a temporary credit on your Account in

the amount of the transaction. Once investigations are complete,

we will adjust your Accountaccordingly.

h. In the event that we suspect any suspected or actual fraud has

been carried out on your Card or that there is any security threat to

your Card, including the circumstances set out in this section, we

will contact you using the contact details you have provided to us.

23. Refunds for Authorised Transactions

a. This section only applies to Charges at Merchants in the European

EconomicArea.

b. You can request a refund for a Charge if at the time that you

agreed to the Charge, you did not know the exact amount of the

transaction and the amount which appears on your Statement is

greater than the amount you reasonablyexpected.

c. You must submit your request for a refund within eight (8) weeks

from the Statement date on which the Charge applies.

d. We will investigate your request for such a refund, taking into

consideration your recent spending behaviour and all relevant

circumstances related to the Charge. You must give us all the

information we reasonably require about the circumstances of

the Charge and we may give this information to other companies

or people investigating the matter.

e. We will within ten (10) business days of us receiving from you

complete information and documentation about your dispute

including information we may require conirming that your

dispute relates to a Charge falling within this section, either

provide a refund or an explanation for our refusal to do so. We

reserve the right to adjust your Account accordingly.

24. Limitation of Our Liability

a. Nothing in this Agreement shall limit or exclude any liability (and

no limitation or exclusion of liability shall apply to any liability)

of any party:

i) for death or personal injury caused by the negligence of a

party or its employees, agents or subcontractors;

ii) for any fraud or fraudulent misrepresentation; and

iii) to the extent such limitation or exclusion is not permitted

by applicablelaw.

b. Subject to (a) above, we will not be responsible or liable to you or

Your Company or any third party for any loss or damage arising,

whether in contract, tort (including negligence) or otherwise in

relation to:

i) delay or failure by a Merchant to accept a Card, the imposition

by a Merchant of conditions on the use of the Card or the

CLEAR

Cardmember Terms and Conditions

CorpCard-UKCardmember-T&C’s-March 2021

American Express Services Europe Limited has its registered ofice at Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX,

United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial

Conduct Authority.

manner of a Merchant’s acceptance or non-acceptance of the

Card;

ii) goods and/or services purchased with the Card or their delivery

ornon-delivery;

iii) failure to carry out our obligations under this Agreement if

that failure is caused by a third party or because of an event

outside our reasonable control, including but not limited to,

a systems failure, data processing failure, industrial dispute

or other action outside our control; and

iv) defects or faults in relation to ATMs.

c. Subject to (a) above, we will not be responsible or liable to you or

Your Company or any third party under any circumstances for any:

i) loss of proit, interest, goodwill, business opportunity,

business, revenue or anticipated savings;

ii) losses related to damage to the reputation of you or any

member of Your Company; or

iii) any indirect, special, punitive or consequential losses

or damages, even if such losses were foreseeable and

notwithstanding that a party had been advised of the

possibility that such losses were in the contemplation of the

other party or any third party.

25. Changes

a. We may change any provision of this Agreement including (i) any

fees and Charges applicable to your Account and introduce new

fees and Charges or change the circumstances in which they are

applied and (ii) the services we provide to you, from time to time.

b. We will give you at least two (2) months’ notice in advance of any

changes. You will be deemed to have accepted the changes unless

you notify us in writing prior to the date on which the changes will

take effect that you do not accept the changes. If you do not accept

any changes to this Agreement, you can terminate your Account

at no cost before the date on which the changes will take effect.

c. You will be liable for all Charges (including fees and late payment

fees) up to the date your Account is closed.

d. If we have made a major change or many minor changes in any

one year, we may make available to you an updated copy of this

Agreement or a summary of the changes.

26. Suspension

a. We may immediately stop or suspend you from using any Card and/

or your Account on reasonable grounds related to: (i) the security

of the Card or the Account; (ii) if we suspect unauthorised and/

or fraudulent use based on, for example, a inding of suspicious

transactions upon analysis of transaction data and loss events or in

the event credit institutions or the police inform us of fraud cases

or data breaches at third parties which may have compromised

Account data or there is information that data has been tapped;

and/or (iii) a signiicantly increased risk that you and/or Your

Company (as applicable) may not be able to pay us any amounts

due under this Agreement in full and on time.

In these cases we may notify you before we stop or suspend use

or immediately afterwards. We will, where possible, tell you the

reasons for our decision.

Please refer to the “Communicating with You” section of this

Agreement for details of how we will tell you.

b. For the avoidance of doubt, the Agreement will continue in effect

notwithstanding the suspension of any Card or Account, and

subject to the “Liability for Charges” section of this Agreement

you and/or Your Company (as applicable) will be responsible for

all Charges as set out in this Agreement and for complying with

the terms and conditions of this Agreement.

c. We will remove the suspension on the Card or Account when the

reasons for the suspension have ceased to exist. You may tell us

by telephone, using the telephone number listed on our website

business.americanexpress.com/uk or other contact information set

out in the “Lost/Stolen Cards, Incorrectly Executed Transactions

and Misuse of Your Account” section of this Agreement when you

believe the reasons for the suspension have ceased to exist.

27. Default

a. We may treat your Account as being in default at any time in the

event that you and/or Your Company (dependent on which liability

structure is chosen for the Account, please see the “Liability

for Charges” section of this Agreement) fail to comply with the

obligations under this Agreement or our Agreement with Your

Company such as a failure to make any payment when it is due

or if any form of payment is returned or not honoured in full.

b. We may also consider your Account to be in default at any time

if any statement made by you and/or Your Company to us in

connection with your Account was false or misleading, you and/

or Your Company breach any other agreement that you and/or

Your Company may have with us or with any of our Afiliates,

or if bankruptcy or other creditor proceedings are threatened or

initiated against you and/or Your Company or we have any reason

to believe that you and/or Your Company may not be creditworthy.

c. The inclusion of previously billed minimum payments and/or any

portion of dishonoured payments shown on a Statement will not

constitute a waiver by us of any default.

d. In the event of any default, you and/or Your Company (dependent

on which liability structure is chosen for the Account, please see

the “Liability for Charges” section of this Agreement) will also be

responsible for all reasonable costs incurred by us or our agents

including collection, collection agency and legal adviser fees

and costs, in recovering any amounts unpaid and in protecting

ourselves from any harm we may suffer as a result of the default.

28. Membership Rewards® Programme

You may enrol in the Membership Rewards Programme (called “MR

Programme”) unless Your Company has chosen not to participate.

If you enrol, you agree to comply with the MR Programme terms

and conditions, including any fees for participation in the MR

Programme.

29. Contactless and Digital Wallet Technology

Cards issued on the Account may be equipped to enable contactless

payments. Contactless payments enable you to incur Charges by

simply holding your Card against a card reader without having

the Card swiped or imprinted. We may deactivate contactless

payments at any time. We may permit you to use mobile or other

digital wallet technology (provided by a third party or by any of our

Afiliates) to request Charges. Use of the digital wallet technology

may be subject to further terms of use, but this Agreement still

applies to any Charges you request using such technology.

30. Transfer of Claims

a. Although we may have no obligation to do so, if we credit your

Account in relation to your claim against a third party such as a

Merchant, you are automatically deemed to have assigned and

transferred to us, any rights and claims (excluding tort claims) that

you have, had or may have against any third party for an amount

equal to the amount we credited to your Account. You hereby

give consent in advance to such assignment, without any further

notiication being required.

b. After we credit your Account, you agree not to pursue any claim

against or reimbursement from any third party for the amount

that we credited to your Account.

c. You agree to cooperate with us if we decide to pursue a third

party for the amount credited. Cooperation includes signing

any documents and providing any information that we require

and permitting us to share such information with third parties

AMERICAN EXPRESS CORPORATE CARD

CLEAR

Cardmember Terms and Conditions

CorpCard-UKCardmember-T&C’s-March 2021

American Express Services Europe Limited has its registered ofice at Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX,

United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial

Conduct Authority.

(including, without limitation, your Data). Crediting your Account

on any occasion does not obligate us to do so again.

31. You May Close Your Account

a. You or Your Company on your behalf may end this Agreement at

any time. If you do not wish to be bound by this Agreement, please

destroy or return the Card to us and inform us that you wish to

cancel the Card and end thisAgreement.

b. Any annual fees paid in respect of the year in which your Account

is closed will, subject to the “Payments” section of this Agreement,

be returned to your Account taking into consideration the length

of time until your next Card Anniversary Date.

32. We May Close Your Account or Cancel Any Card

a. We can end this Agreement or cancel any or all Cards by giving

you two (2) months’ written notice. We can end this Agreement

immediately if you have broken this Agreement or if your

employment with Your Company is terminated or a decision is

taken to terminate your employment. If we take such action, you

and/or Your Company (dependent on which liability structure is

chosen for the Account, see the “Liability for Charges” section of

this Agreement) will still be obligated to pay all amounts owing

on yourAccount.

b. This Agreement will end immediately and automatically upon

termination of the agreement between Your Company and us

pursuant to which this Agreement has been entered into. We

shall not be responsible for notifying you of the termination of the

agreement between Your Company and us. It is Your Company’s

duty to inform you of termination of the agreement entered into

between Your Company and us.

c. We may decline to renew the Card issued to you without notice

where you have not used it for a period of at least twelve (12)

months. If this happens, this Agreement will not automatically

terminate. You may request that we issue you a new Card within

twelve (12) months of the expiry of the Card under this section. If

you do not request a new Card within this time, we will close your

Account and this Agreement will terminate. If we do so, we will

notify you at least two (2) months prior to cancellation.

33. Consequences of Any Termination

a. If this Agreement ends for any reason, you and/or Your Company

(dependent on which liability structure is chosen for the Account,

see the “Liability for Charges” section of this Agreement) must pay

all money you owe us immediately, including unbilled Charges

that may not be shown on your last Statement and ensure the

discontinuation of use of your Account. We will only close your

Account when you and/or Your Company have paid off all amounts

you owe us.

b. You and/or Your Company (dependent on which liability structure

is chosen for the Account, see the “Liability for Charges” section

of this Agreement) will continue to be responsible for all Charges

made using your Account until you and/or Your Company (as

applicable) has paid off all amounts you and/or Your Company

(as applicable) owe us and your Account is no longer used.

34. No Waiver of Our Rights

If we fail to exercise any of our rights under this Agreement, this

will not be a waiver of our rights and will not prevent us from

exercising them later.

35. Assignment

a. We may assign, transfer, sub-contract or sell our rights, beneits

or obligations under this Agreement at any time to any of our

Afiliates or to an unafiliated third party. You consent to this and

we may do this without giving you noticebeforehand.

b. Your rights under this Agreement and your legal rights will not

be affected.

c. If we do so, or intend to do so, you agree that we can give

information about you and your Account to the third party or

related party.

d. You are not entitled to transfer all or any part of your rights or

obligations under this Agreement to a third party.

36. Severability

If any provision of this Agreement conflicts with any applicable

law or regulation, that provision will be deemed to be modiied

or deleted so as to be consistent with law or regulation. This will

not affect the parties’ obligations which will continue as amended.

37. Governing Law and Exchange Control

a. This Agreement is governed by the laws of England and the courts

of England shall have non-exclusive jurisdiction over all parties

to the Agreement. However, where you have liability under this

Agreement, you agree that we can carry out collection proceedings

in any country where you may be living.

b. You are responsible for keeping to any exchange control

regulations or the local regulations if they apply to use of the

Card and Account.

38. Taxes, Duties

You and/or Your Company must pay any government tax, duty

or other amount imposed by law in any country in respect of the

Card, any Charge on your Account or any use of the Account by

you.

GCP1009 0321

AMERICAN EXPRESS CORPORATE CARD

CLEAR