The Starwood Preferred Guest^®* Business Credit Card from
American Express

§The Starwood Preferred Guest program is operated by or on behalf of Starwood Hotels & Resorts Worldwide, Inc. and is subject to terms, conditions and restrictions. For details, please see www.spg.com.

1. Account must be in good standing. To qualify for the 10,000 Bonus Starpoints, you must have at least $1,000 in net purchases posted to your account on or before your three month anniversary date. Three nights are based on five mid-week nights in a standard room at a Category 2 property. Starpoints required for a free night range from 2,000 Starpoints for a weekend night in a standard room at a Category 1 property to 35,000 Starpoints for any night in a standard room at Category 7 properties. Category 7 properties that are all suites or villas require higher Starpoints redemption. For complete information on reward stays, please see www.SPG.com.
   
   
2. Account must be in good standing. Starpoints will be earned on the amount of all eligible purchases, less credits and returns. Funds advances, interest, Amex cheques, balance transfers, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Starpoints.
   
   
3. Each year if, before the annual reset date, you reach $40,000 in net purchases charged to your account you will earn a Free Weekend Night Award redeemable within 1 year for an available single or double occupancy standard room at a participating Starwood Category 1-4 property for one Friday, Saturday or Sunday night. Account must be in good standing. On the annual reset date, the amount of annual net purchases resets to zero. Additional terms apply.
   
   
4. Each year if, before the annual reset date, you reach $30,000 in net purchases charged to your account you will earn Gold Preferred Guest level of the Starwood Preferred Guest program for a minimum of 1 year (unless you are already enrolled at that or a higher level). Account must be in good standing. On the annual reset date, the amount of annual net purchases resets to zero. Subject to terms and conditions at www.SPG.com. If you already have Gold Preferred or Platinum Preferred status with Starwood Preferred Guest, you will retain that status as long as you meet the requirements specified in the Starwood Preferred Guest terms and conditions.
   
   
5. All references to you means the Basic Cardmember.
   
   
6. Referral bonus awarded to the Basic Cardmember. Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. This referral program cannot be combined with any other offer. Referral program criteria varies by product and may change at any time without notice. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
   
   
7. Free night awards apply to standard rooms only as defined by each participating property; contact the property before booking to check availability. To view the full terms and conditions, visit www.SPG.com.
   
   
8. Ticket Price includes Taxes & Fees. Other fees may apply. To view the full terms and conditions, visit www.SPG.com.
   
   
9. Transfer ratios and maximums apply and vary by airline. Preferred members have a minimum transfer requirement of 2,500 Starpoints and Gold Preferred members have a minimum transfer requirement of 1,500 Starpoints. To view the full terms and conditions, visit www.spg.com.
   
   
10. 5,000 Starpoints bonus is awarded only when 20,000 Starpoints are transferred as part of the same transaction and is based on airlines with 1 Starpoint to 1 mile conversion rate. Other terms and restrictions apply. To view the full terms and conditions, visit www.spg.com.
    
    
11. Basic Card annual fee may be tax deductible in Canada, if used solely for business purposes; please consult your tax professional.
    
    
12. Program Partners, prices and savings are subject to change without notice. Certain terms and restrictions apply. To receive savings with a partner, you must charge your eligible purchases to your Starwood Preferred Guest Business Credit Card is in accordance with the terms and conditions applicable to that partner. Some Savings Program partners may require you to establish a customer account with them, in which they will record your Card information, in order to provide the discounts.
    
    
13. Basic Card annual fee may be tax deductible in Canada, if used solely for business purposes; please consult your tax professional.
    
    
14. Purchase must be charged in full to an American Express^® Card. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
    
    
15. All the services associated with the Travel Emergency Assistance are provided worldwide with the exception of some countries (it is best to check with Customer Service). In addition, services may be limited or prevented by acts of God, war, civil commotion, labour disputes, unavailability of goods or services, or refusal of permission by local authorities.
    
    
16. Travel Accident Insurance provides automatic coverage of up to $500,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your Starwood Preferred Guest Business Credit Card from American Express. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers are also covered. Travel Accident Insurance is Underwritten by ACE INA Life Insurance, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135
    
    
17. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your Starwood Preferred Guest Business Credit Card from American Express. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.
    
    
18. Underwritten by RBC Insurance Company of Canada.
    
    
19. Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.
    
    
20. Underwritten by Chartis Insurance Company of Canada
    
    
21. Employee Card Misuse Protection is not insurance. It is a benefit made available to you by Amex Bank of Canada and Administered by Royal & Sun Alliance Insurance Company of Canada. Please read the terms and conditions of the Employee Card Misuse Protection carefully, as they include specific terms, limitations, conditions and exclusions that may affect your coverage
    
    
22. Underwritten by Royal & Sun Alliance Insurance Company of Canada.
    
    
23. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

^®: Used by Amex Bank of Canada under license from American Express.

^®*: SPG, Starpoints, Preferred Guest, St. Regis, The Luxury Collection, W Hotels, Le Méridien, Westin, Sheraton, Aloft, Element, Four Points and their respective logos are the trademarks of Starwood Hotels & Resorts Worldwide, Inc., or its affiliates.

†: All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.