Cardmember Agreement: Part 1 of 2

As of: 03/31/2017

The Gold Card
Issuer: American Express Travel Related Services Company, Inc.

Fees Table
 Fees
Annual Membership Fee
Transaction Fees
● Foreign Transaction

Penalty Fees
● Late Payment

● Returned Payment

$210

2.7% of each transaction after conversion to US dollars.

Up to $38.

Up to $38.

CMAEUAOT0000002

Page 1 of 2

How Fees Work
  Fees
Annual Membership

Late Payment

This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $65 for each additional
card.
Up to $38. If you do not pay the Amount Due on a billing statement by the Payment Due Date, the 
fee is $27. If this happens again within the next 6 consecutive billing periods, the fee is $38 instead. 
However, the late fee will not exceed the Amount Due.

Returned Payment

Up to $38. If you make a payment that is returned unpaid the first time we present it to your bank, the 
fee is $27. If you do this again within the same billing period or the next 6 billing periods, the fee is 
$38. However, the returned payment fee will not exceed the Amount Due.

Returned Check

Foreign Transaction

$38 if you use your card to cash a check at one of our approved locations and the check is returned
unpaid. We will also charge you the unpaid amount.
2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Converting charges made
in a foreign currency in Part 2.

Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement.

CMAEUFEEPAPR107

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FDR 997185

Cardmember Agreement: Part 2 of 2

Doc 27313

How Your American Express Account Works

Introduction

About your Cardmember
Agreement

Changing the Agreement

Words we use in the Agreement

About your card

Eligibility

Changing residence

About using your card

Using the card

This document together with Part 1 make up
the Cardmember Agreement (Agreement) for
the Account identified on page 1 of Part 1. Any
supplements or amendments are also part

We may change this Agreement, subject to
applicable law. We may do this in response to
the business, legal or competitive environment.
This written Agreement is a final expression of the
agreement governing the Account. The written
Agreement may not be contradicted by any alleged
oral agreement.

We, us, and our mean the issuer shown on page
1 of Part 1. You and your mean the person who
applied for this Account and for whom we opened
the Account. You and your also mean anyone
who agrees to pay for this Account. You are the
Basic Cardmember. You may request a card for
an Additional Cardmember (see About Additional
Cardmembers below).

of the Agreement. When you use the Account (or
you sign or keep the card), you agree to the terms
of the Agreement.

Changes to some terms may require 45 days
advance notice, and we will tell you in the notice if
you have the right to reject a change. We cannot
change certain terms during the first year of your
Cardmembership.

Card means any card or other device that we issue
to access your Account. A charge is any amount
added to your Account, such as purchases and
fees. A purchase is a charge for goods or services.
To pay by a certain date means to send your
payment so that we receive it and credit it to your
Account by that date (see About your payments
below).

Eligibility for your Account is limited to residents of Latin America and the Caribbean, excluding Puerto
Rico and the United States Virgin Islands.

You must notify us immediately if you change your residence to a country outside of Latin America and
the Caribbean, excluding Puerto Rico and the United States Virgin Islands.

We may cancel your Account if we determine that you no longer reside in Latin America and the
Caribbean, excluding Puerto Rico and the United States Virgin Islands.

You may use the card to make purchases. You
may also use the card at an ATM to get cash from
a checking account you designate.

We decide whether to approve a charge based on
how you spend and pay on this Account and other
accounts you have with us and our affiliates. We
also consider your credit history and your personal
resources that we know about.

You may arrange for certain merchants and third
parties to store your card number and expiration
date, so that, for example:

● the merchant may charge your account at

regular intervals; or

● you may make charges using that stored card

information.

We may (but are not required to) tell these
merchants and third parties if your expiration date
or card number changes or if your account status is
updated, including if your account is cancelled. You
must notify the merchants and third parties directly
if you want them to stop charging your Account.

Keep your card safe and don't let anyone else use
it. If your card is lost or stolen or your Account is
being used without your permission, contact us
right away. You may not use your Account for illegal
activities.

Promise to pay

You promise to pay all charges, including:

Declined transactions

● charges you make, even if you do not present your card or sign for the transaction,
● charges that other people make if you let them use your Account,
● charges that Additional Cardmembers make or permit others to make, and
● any amounts guaranteed by the use of the card.

We may decline to authorize a charge. Reasons
we may do this include suspected fraud and our
assessment of your creditworthiness. This may
occur even if your Account is not in default.

We are not responsible for any losses you incur
if we do not authorize a charge. And we are not
responsible if any merchant refuses to accept the
card.

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About Additional Cardmembers

About your payments

When you must pay

How to make payments

At your request, we may issue cards to Additional
Cardmembers. They do not have accounts with us
but they can use your Account subject to the terms
of this Agreement. We may report an Additional
Cardmember's use of your Account to credit
reporting agencies.

You are responsible for all use of your Account by
Additional Cardmembers and anyone they allow to
use your Account. You must pay for all charges they
make.

You authorize us to give Additional Cardmembers
information about your Account and to discuss it
with them.

If you want to cancel an Additional Cardmember's
right to use your Account (and cancel their card)
you must tell us.

You must pay no later than the Payment Due Date
to avoid a late payment fee. Each statement also
states the time and manner by which you must
make your payment for it to be credited as of the
same day it is received.

Each statement also shows a Closing Date. The
Closing Date is the last day of the billing period
covered by the statement. Each Closing Date
is about 30 days after the previous statement's
Closing Date.

Make payments to us in U.S. dollars with:
● a single check drawn on a U.S. bank, or
● a single negotiable instrument clearable through
the U.S. banking system, for example a money
order, or

● an electronic payment that can be cleared

through the U.S. banking system.

When making a payment by mail:
● make a separate payment for each Account,
● mail your payment to the address shown on the
payment coupon on the billing statement, and

● write the Account number on your check or

negotiable instrument and include the payment
coupon.

If your payment meets the above requirements, we
will credit it to the Account as of the day we receive
it, as long as we receive it by the time disclosed in

your billing statement. If we receive it after that
time, we will credit the payment on the day after
we receive it.

If your payment does not meet the above
requirements, there may be a delay in crediting
the Account. This may result in late fees (see
How Fees Work on page 2 of Part 1).

If we decide to accept a payment made in a
foreign currency, we will choose a rate to convert
your payment into U.S. dollars, unless the law
requires us to use a particular rate.

If we process a late payment, a partial payment,
or a payment marked with any restrictive
language, that will have no effect on our rights
and will not change this Agreement.

How we apply payments and credits

Subject to applicable law, we will apply payments and credits among charges in any order we choose.

Other important information

Converting charges made in a
foreign currency

If you make a charge in a foreign currency, we will convert it into U.S. dollars on the date we or our
agents process it. Unless a particular rate is required by law, we will choose a conversion rate that is
acceptable to us for that date. The rate we use is no more than the highest official rate published by a
government agency or the highest interbank rate we identify from customary banking sources on the
conversion date or the prior business day. This rate may differ from rates that are in effect on the date of
your charge. We will bill charges converted by establishments (such as airlines) at the rates they use.

Changing your billing address

You must notify us immediately if you change the:
● mailing address to which we send billing

If you have more than one account, you need to
notify us separately for each account.

statements; or

● e-mail address to which we send notice that your

billing statement is available online.

We may update your billing address if we receive
information that it has changed or is incorrect.

Closing your Account

You may close your Account by calling us or writing to us.

Cancelling or suspending your
Account

If an Annual Membership fee applies, we will refund this fee if you notify us that you are voluntarily
closing your Account within 30 days of the Closing Date of the billing statement on which that fee
appears. For cancellations after this 30 day period, the Annual Membership fee is non-refundable. If
an Annual Membership fee applies to your Account, it is shown on page 1 and page 2 of Part 1 of the
Cardmember Agreement.

We may:
● cancel your Account,
● suspend the ability to make charges,
● cancel or suspend any feature on your Account,

and

● notify merchants that your Account has been

cancelled or suspended.

If we do any of these, you must still pay us for all
charges under the terms of this Agreement.

We may do any of these things at our discretion,
even if you pay on time and your Account is not in
default.

If your Account is cancelled, you must destroy
your cards.

We may agree to reinstate your Account after a
cancellation. If we do this, we may:

● reinstate any additional cards issued on your

Account,

● charge you any applicable annual fees, and
● charge you a fee for reinstating the Account.

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About default

Collection costs

Credit reports

Sending you notices

We may contact you

About insurance products

We may consider your Account to be in default if:
● you violate a provision of this Agreement,
● you give us false information,
● you file for bankruptcy,
● you default under another agreement you have

with us or an affiliate,

● you become incapacitated or die, or
● we believe you are unable or unwilling to pay

your debts when due.

If we consider your Account in default, we may:
● suspend your ability to make charges,and
● cancel or suspend any feature on your

Account.

You agree to pay all reasonable costs, including attorneys' fees, that we incur to collect amounts you
owe.

You agree that we will obtain credit reports about you, investigate your ability to pay, and obtain
information about you from other sources including information to verify and re-verify your employment
and income. And you agree that we will use such information for any purposes, subject to applicable law.

You agree that we will give information about the Account to credit reporting agencies. We will tell a credit
reporting agency if you fail to comply with any term of this Agreement. This may have a negative impact
on your credit report.

If you believe information we have given to a credit reporting agency is incorrect, write to us at: American
Express Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537. When you write to us, tell us the
specific information you believe is incorrect.

We mail you notices through the U.S. mail, postage prepaid, and address them to you at the latest billing
address on our records. Any notice that we send you this way is deemed to be given when deposited in
the U.S. mail.

Servicing and collections
If we need to contact you to service your account or to collect amounts you owe, you authorize us (and
our affiliates, agents and contractors) to contact you at any number you provide, from which you call us,
or at which we believe we can reach you. We may contact you in any way, such as calling or texting. We
may contact you using an automated dialer or prerecorded messages. We may contact you on a mobile,
wireless or similar device, even if you are charged for it.

Call monitoring
We may monitor and record any calls between you and us.

We or our affiliates may tell you about insurance and non-insurance products, services or features that
may have a fee. One of our affiliates may act on behalf of a provider of these products. The affiliate may
be compensated for this. The insurance products are not offered or sold by us or on our behalf. Our
affiliates may get additional compensation when AMEX Assurance Company or another affiliate is the
insurer or reinsurer. Compensation may influence what products and providers we or our affiliates tell you
about.

We may share information about you with our affiliates so they can identify products that may interest
you. We may be compensated for this information.

How we handle electronic debits
from your checking account

When you pay us by check, you authorize us to
electronically deduct the amount from your bank or
other asset account.

We may process the check electronically by
transmitting to your financial institution:
● the amount,
● the routing number,
● the account number, and
● the check serial number.

If we do this, your payment may be deducted from
your bank or other asset account on the same
day we receive your check. Also, you will not
receive that cancelled check with your bank or
asset account billing statement.

If we cannot collect the funds electronically, we
may issue a draft against your bank or other asset
account for the amount of the check.

ExpressPay

Privacy Act of 1974 notice

Change the benefits

Assigning the Agreement

Assigning claims

Cards issued on your Account may be equipped with ExpressPay. ExpressPay enables you to make
charges without having the card swiped or imprinted. You can call us to deactivate ExpressPay at any
time. Also, we may deactivate ExpressPay at any time.

Some federal agencies may accept the card under authority of statute. When you make charges at these
agencies, we collect certain charge information. That information may be put to routine uses, such as
processing, billing and collections. It may also be aggregated for reporting, analysis and marketing use.
Other routine uses by agencies may be published in the Federal Register.

We have the right to add, modify or delete any benefit or service of your Account at our discretion.

We may sell, transfer or assign this Agreement and your Account. We may do so at any time without
notifying you. You may not sell, assign or transfer your Account or any of your obligations under this
Agreement.

If you dispute a charge with a merchant, we may
credit the Account for all or part of the disputed
charge. If we do so, you assign and transfer to us
all rights and claims (excluding tort claims) against
the merchant.

You agree that you will not pursue any claim
against the merchant for the credited amount.
And you must cooperate with us if we decide to
do so.

We do not waive our rights

We may choose to delay enforcing or to not exercise rights under this Agreement. If we do this, we do not
waive our rights to exercise or enforce them on any other occasion.

Governing law

Version 997185

New York law and federal law govern this
Agreement and your Account. They govern without
regard to internal principles of conflicts of law.

We are located in New York. We hold your
Account in New York. We entered into this
Agreement with you in New York.

Page 3 of 8

Claims Resolution
Most customer concerns can be resolved by
calling our Customer Service Department at the
number listed on the back of your card. In the
event Customer Service is unable to resolve
a complaint to your satisfaction, this section
explains how claims can be resolved through
mediation, arbitration or litigation. It includes
an arbitration provision. You may reject the
arbitration provision by sending us written
notice within 45 days after your first card
purchase. See Your Right to Reject Arbitration
below.
For this section, you and us includes any
corporate parents, subsidiaries, affiliates or
related persons or entities. Claim means any
current or future claim, dispute or controversy
relating to your Account(s), this Agreement, or
any agreement or relationship you have or had
with us, except for the validity, enforceability
or scope of the Arbitration provision. Claim
includes but is not limited to: (1) initial claims,
counterclaims, crossclaims and third-party claims;
(2) claims based upon contract, tort, fraud,
statute, regulation, common law and equity;
(3) claims by or against any third party using
or providing any product, service or benefit in
connection with any account; and (4) claims that
arise from or relate to (a) any account created
under any of the agreements, or any balances on
any such account, (b) advertisements, promotions
or statements related to any accounts, goods or
services financed under any accounts or terms
of financing, (c) benefits and services related
to card membership (including fee-based or
free benefit programs, enrollment services and
rewards programs) and (d) your application for
any account. You may not sell, assign or transfer
a claim.

Sending a Claim Notice
Before beginning a lawsuit, mediation or
arbitration, you and we agree to send a written
notice (a claim notice) to each party against
whom a claim is asserted, in order to provide
an opportunity to resolve the claim informally or
through mediation. Go to americanexpress.com/
claim for a sample claim notice. The claim notice
must describe the claim and state the specific
relief demanded. Notice to you may be provided
by your billing statement or sent to your billing
address. Notice to us must include your name,
address and Account number and be sent to
American Express ADR c/o CT Corporation
System, 111 8th Ave., NY, NY 10011. If the claim
proceeds to arbitration, the amount of any relief
demanded in a claim notice will not be disclosed
to the arbitrator until after the arbitrator rules.

Mediation
In mediation, a neutral mediator helps parties
resolve a claim. The mediator does not decide the
claim but helps parties reach agreement.

Before beginning mediation, you or we must
first send a claim notice. Within 30 days after
sending or receiving a claim notice, you or we
may submit the claim to JAMS (1-800-352-5267,
jamsadr.com) or the American Arbitration
Association ("AAA") (1-800-778-7879, adr.org) for
mediation. We will pay the fees of the mediator.

All mediation-related communications are
confidential, inadmissible in court and not subject
to discovery.

All applicable statutes of limitation will be tolled
until termination of the mediation. Either you or
we may terminate the mediation at any time.
The submission or failure to submit a claim to
mediation will not affect your or our right to elect
arbitration.

Arbitration
You or we may elect to resolve any claim by
individual arbitration. Claims are decided by a
neutral arbitrator.
If arbitration is chosen by any party, neither
you nor we will have the right to litigate that
claim in court or have a jury trial on that
claim. Further, you and we will not have
the right to participate in a representative
capacity or as a member of any class
pertaining to any claim subject to arbitration.
Arbitration procedures are generally simpler
than the rules that apply in court, and
discovery is more limited. The arbitrator's
decisions are as enforceable as any court
order and are subject to very limited review
by a court. Except as set forth below, the
arbitrator's decision will be final and binding.
Other rights you or we would have in court
may also not be available in arbitration.

Initiating Arbitration
Before beginning arbitration, you or we must first
send a claim notice. Claims will be referred to
either JAMS or AAA, as selected by the party
electing arbitration. Claims will be resolved
pursuant to this Arbitration provision and the
selected organization's rules in effect when
the claim is filed, except where those rules
conflict with this Agreement. If we choose the
organization, you may select the other within
30 days after receiving notice of our selection.
Contact JAMS or AAA to begin an arbitration
or for other information. Claims also may be
referred to another arbitration organization if
you and we agree in writing or to an arbitrator
appointed pursuant to section 5 of the Federal
Arbitration Act, 9 U.S.C. §§ 1-16 (FAA).
We will not elect arbitration for any claim you
file in small claims court, so long as the claim is
individual and pending only in that court. You or
we may otherwise elect to arbitrate any claim
at any time unless it has been filed in court
and trial has begun or final judgment has been
entered. Either you or we may delay enforcing
or not exercise rights under this Arbitration
provision, including the right to arbitrate a claim,
without waiving the right to exercise or enforce
those rights.

Limitations on Arbitration
If either party elects to resolve a claim by
arbitration, that claim will be arbitrated on
an individual basis. There will be no right or
authority for any claims to be arbitrated on
a class action basis or on bases involving
claims brought in a purported representative
capacity on behalf of the general public,
other cardmembers or other persons
similarly situated.

The arbitrator's authority is limited to claims
between you and us alone. Claims may not
be joined or consolidated unless you and we
agree in writing. An arbitration award and any
judgment confirming it will apply only to the
specific case and cannot be used in any other
case except to enforce the award.
Notwithstanding any other provision and without

waiving the right to appeal such decision, if
any portion of these Limitations on Arbitration
is deemed invalid or unenforceable, then the
entire Arbitration provision (other than this
sentence) will not apply.

Arbitration Procedures
This Arbitration provision is governed by
the FAA. The arbitrator will apply applicable
substantive law, statutes of limitations and
privileges. The arbitrator will not apply any
federal or state rules of civil procedure or
evidence in matters relating to evidence
or discovery. Subject to the Limitations on
Arbitration, the arbitrator may otherwise award
any relief available in court. The arbitration
will be confidential, but you may notify any
government authority of your claim.

If your claim is for $10,000 or less, you
may choose whether the arbitration will be
conducted solely on the basis of documents,
through a telephonic hearing, or by an in-
person hearing. At any party's request, the
arbitrator will provide a brief written explanation
of the award. The arbitrator's award will be
final and binding, except for any right of appeal
provided by the FAA; however, any party will
have 30 days to appeal the award by notifying
the arbitration organization and all parties in
writing. The organization will appoint a three-
arbitrator panel to decide anew, by majority
vote based on written submissions, any
aspect of the decision objected to. Judgment
upon any award may be entered in any court
having jurisdiction. At your election, arbitration
hearings will take place in the federal judicial
district of your residence.

Arbitration Fees and Costs
You will be responsible for paying your share
of any arbitration fees (including filing,
administrative, hearing or other fees), but only
up to the amount of the filing fees you would
have incurred if you had brought a claim in
court. We will be responsible for any additional
arbitration fees. At your written request, we
will consider in good faith making a temporary
advance of your share of any arbitration fees,
or paying for the reasonable fees of an expert
appointed by the arbitrator for good cause.

Additional Arbitration Awards
If the arbitrator rules in your favor for an
amount greater than any final offer we made
before arbitration, the arbitrator's award will
include: (1) any money to which you are
entitled, but in no case less than $5,000; and
(2) any reasonable attorneys' fees, costs and
expert and other witness fees.

Your Right to Reject Arbitration
You may reject this Arbitration provision by
sending a written rejection notice to us at:
American Express, P.O. Box 981556, El Paso,
TX 79998. Go to americanexpress.com/reject
for a sample rejection notice. Your rejection
notice must be mailed within 45 days after your
first card purchase. Your rejection notice must
state that you reject the Arbitration provision
and include your name, address, Account
number and personal signature. No one else
may sign the rejection notice. If your rejection
notice complies with these requirements, this
Arbitration provision and any other arbitration
provisions in the cardmember agreements for

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any other currently open American Express
accounts you have will not apply to you, except
for Corporate Card accounts and any claims
subject to pending litigation or arbitration at the
time you send your rejection notice. Rejection
of this Arbitration provision will not affect your
other rights or responsibilities under this Claims
Resolution section or the Agreement. Rejecting

this Arbitration provision will not affect your
ability to use your card or any other benefit,
product or service you may have with your
Account.

Continuation
This section will survive termination of your
Account, voluntary payment of your Account
balance, any legal proceeding to collect a debt,
any bankruptcy and any sale of your Account (in

the case of a sale, its terms will apply to
the buyer of your Account). If any portion
of this Claims Resolution section, except
as otherwise provided in the Limitations on
Arbitration subsection, is deemed invalid
or unenforceable, it will not invalidate the
remaining portions of this Claims Resolution
section.

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Your Agreement for Transferring Funds Electronically
This EFT Agreement is between American
Express Travel Related Services Company,
Inc. and you, once you enroll in an Electronic
Funds Transfer Service of ours (service) such
as AutoPay, Pay By Computer, or Pay By
Phone. This replaces any previous agreement
you may have with us for the services.

Your monthly statement for your card account
will show any Express Cash transactions in that
billing period.

AutoPay, Pay By Computer, Pay By Phone
With these services, you can initiate electronic
payments to your card account. When you do
so, you allow us or our agent to draw a check on
or initiate an automated clearing house (ACH)
withdrawal from your bank account in the amount
you authorize.

Words we use in this agreement
In this EFT Agreement, you and your mean,
in addition to the Basic Cardmember, any
Additional Cardmembers who have enrolled in
the service. We, our, and us mean American
Express Travel Related Services Company,
Inc. Your card account means the American
Express card account. Your bank is the bank,
securities firm, or other financial institution that
holds your bank account. Your bank account
is the consumer bank account you use to pay
for any transactions you make through the
service. Withdraw or withdrawal means an
electronic debit or deduction of funds from your
bank account. Our business days are Monday
through Friday, excluding holidays.

How Express Cash works
Express Cash enables you to withdraw cash
from your bank account at participating
automated teller machines (ATMs). If you enroll
in Express Cash, we will issue or allow you to
choose a Personal Identification Number (PIN).
You must use this PIN along with your card
when withdrawing cash from an ATM. Keep
your PIN confidential.

Each time you withdraw cash using Express
Cash, we will charge a fee of 3% of the amount
of the transaction or $5, whichever is more.
The amount of the transaction is the total of
the:
● amount of the withdrawal or funds transfer,
● amount of goods or services received, and
● any fee charged by the ATM operator or

network used for the withdrawal.

The amount of the transaction and the fee that
we charge will be withdrawn from your bank
account.

For each withdrawal made in a foreign
currency, we charge a fee of 2.7% of
the converted U.S. dollar amount of the
transaction. This fee will be withdrawn from
your bank account. See Converting charges
made in a foreign currency in Part 2 of the
Cardmember Agreement.

If a transaction is not honored by your bank, we
will charge the amount of the transaction and
a fee of $38 to your card account, or we may
collect them directly from you.

Limits on amounts and frequency of
withdrawals
We apply the following limits to the amount
that can be withdrawn in a 30-day period. In
addition, there is a limit of 7 withdrawals in a
single day (regardless of the dollar amount of
such withdrawals). The ATM operator may also
impose limits.
Green Card
Gold Card
Platinum Card®
Centurion® Card
You can get a receipt from the ATM each time
you withdraw money from your bank account
using Express Cash.

$3,000 in a 30-day period
$8,500 in a 30-day period
$10,000 in a 30-day period
$10,000 in a 30-day period

If your bank returns a check or ACH withdrawal
unpaid the first time we submit it for payment, we
may cancel your right to use the service. Your
bank may charge you a fee if this happens.

How to stop AutoPay payments
If you have told us to make AutoPay payments
from your bank account, you can stop any of
these payments by calling us at 1-800-227-4669
or writing to American Express, Electronic
Funds Services, P.O. Box 981540, El Paso, TX
79998-1540 in time for us to receive your request
at least 2 business days before the payment is
scheduled to be made. We will tell you, at least
10 days before each payment, when it will be
made and how much it will be. If we receive your
request to stop one of these payments at least 2
business days before the payment is scheduled
to be made and we do not stop it, we will be liable
for your losses or damages.

Unauthorized transactions
Tell us AT ONCE if you believe your card or
PIN has been lost, stolen or used without your
permission, or if you believe that a transaction
has been made without your permission. Calling
is the best way of keeping your possible losses
down. You could lose all the money in your
bank account (plus your maximum overdraft
line of credit, if applicable). If you tell us within 2
business days after you learn of the loss, theft or
unauthorized use of your card or PIN, you can
lose no more than $50 if someone used your card
or PIN without your permission.

If you do NOT tell us within 2 business days
after you learn of the loss or theft of your card or
PIN, and we can prove we could have stopped
someone from using your card or PIN without
your permission if you had told us, you could lose
as much as $500.

Tell us if you believe that someone has used
or may use your card or PIN to use the EFT
service without your permission. Call anytime at
1-800-528-4800 (or 1-336-393-1111 collect, if not
in the U.S.). You may also write to us at American
Express, Electronic Funds Services, P.O. Box
981532, El Paso, TX 79998-1532.

Improper transactions or payments
If we do not complete a transfer to or from your
bank account on time or in the correct amount,
according to this EFT Agreement, we will be liable
for your losses or damages.
There are some exceptions. We are not liable:
● if, through no fault of ours, you do not have

enough money in your bank account;

● if the transfer would go over the credit limit on

any overdraft line you may have;

● if the ATM where you are making the transfer

does not have enough cash;

● if the funds in your bank account were subject
to legal process or other encumbrance that
restricted the transaction;

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● if circumstances beyond our control (such
as fire or flood) prevented the transaction,
despite our reasonable precautions; or
● if the terminal or system was not working

properly and you knew about the breakdown
when you started the transfer.

Privacy
We will disclose information to third parties
about your transactions:
● when necessary for completing transactions;
● to comply with government agency or court

orders; or

● as stated in our Privacy Notice, which covers

your use of the services.

Arbitration
The Arbitration section, in Part 2 of the
Cardmember Agreement, applies to this EFT
Agreement and the services.

How to contact us about the services
You can call us at 1-800-IPAY-AXP for Pay By
Phone questions, at 1-800-528-2122 for Pay
By Computer questions, at 1-800-528-4800
for AutoPay questions, and at 1-800-CASH-
NOW for Express Cash questions. You may
also write to us at American Express, Electronic
Funds Services, P.O. Box 981531, El Paso, TX
79998-1531.

In case of errors or questions
If you think your statement or receipt is wrong,
or if you need more information about a
transaction on your statement or receipt, call
or write us as soon as you can. We must hear
from you no later than 60 days after we sent the
FIRST statement on which the problem or error
appeared. If you do not contact us because of
certain circumstances (such as you are in the
hospital), we may extend the 60-day period for a
reasonable time. When you contact us:
● tell us your name and account number.
● describe the error or the transaction you are
unsure about. Explain as clearly as you can
why you believe it is an error or why you
need more information.

● tell us the amount of the suspected error.

If you tell us orally, we may require that you
send us your complaint or question in writing
within 10 business days after you called us.
Within 10 business days after we hear from
you we will determine whether an error has
occurred. We will correct any error promptly.
However, if we need more time, we may take
up to 45 calendar days to investigate. If we do
take more time, we will credit your bank account
within 10 business days for the amount you
think is in error so that you will have use of the
funds during the time it takes to complete our
investigation.

If we ask you to put your complaint or question
in writing and we do not receive it within 10
business days, we may not credit your bank
account for the amount you question.

We will tell you the results within 3 business
days after completing our investigation. If we
decide that there was no error, we will send you
a written explanation. You may ask for copies of
the documents that we used in our investigation.
If we have credited your bank account and find
no error, we will tell you when we will withdraw
that amount from your bank account again. You
authorize us to withdraw this amount from your
bank account. If your bank account does not

have enough funds to cover this withdrawal, we
can charge the amount to your card account or
collect the amount from you. If this happens, we
may cancel your right to use a service.

We may end the services
We, or any bank or financial institution that
participates in the Express Cash service, may add
to or remove any ATMs from the service. We may
extend or limit the services at any location without
telling you ahead of time. Also, we may stop a
service at any time.

We  may  cancel  your  participation  in  a  service  at
any  time.  If  we  do,  we  will  write  to  you,  but  we
may not send you the notice until after we cancel.
Also,  we  may  refuse  to  authorize  a  transaction  at
our discretion.

We will end or suspend use of a service if:
● you do not use it for 18 months in a row,
● your card account is in default,
● your card account is cancelled or suspended,
● you cancel the authorization you gave your
bank to pay for any transactions you make
through the service, or

● your bank account is closed to withdrawals by

us or our agents.

You may choose to stop using any service.
If you do, you must write to us at American
Express, Electronic Funds Services, P.O. Box
981531, El Paso, TX 79998-1531.

Assignment
We may assign this EFT Agreement to a
subsidiary or affiliate at any time.
Note for Massachusetts residents
General disclosure statement: Any
documentation given to you which shows that
an electronic funds transfer was made will be
admissible as evidence of that transfer and will
constitute prima facie proof that the transfer
was made.

Except as explained in this EFT Agreement,
if you initiate an electronic funds transfer from
your bank account, you cannot stop payment of
the transfer.

Unless otherwise provided in
this EFT Agreement, you may not
stop payment of electronic funds
transfers. Therefore, do not use
electronic transfers for purchases
or service unless you are satisfied
that you will not need to stop
payment.
Disclosure of bank account information
to third parties: If you give us your written
authorization to disclose information about you,
your bank account, or the transactions that
you make to any person, that authorization will
automatically expire 45 days after we receive it.

Optional limit on obtaining cash: You can
ask us to limit the total amount of cash that
you may get from ATMs in a single day to
$50. If you choose this option, we will take all
reasonable steps to comply with your request.

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