1. For your first 3 months of Cardmembership.
2. No rebate is payable in any month in which the minimum payment is not received by the due date. The minimum amount you need to pay us each month will be 10% of the total amount owing or £50, whichever is more. No rebate is payable on cash withdrawals, interest, fees, balance transfers, amounts subsequently re-credited to your account due to refunds, or expenditure in any one month exceeding the amount of your Credit Limit. No rebate is payable if you end the agreement before the relevant Card Anniversary Date or if, in the 12 months preceding your Card Anniversary Date, the aggregate amount of all transactions (other than cash advances and balance transfers) totals less than £3000.
   
   Subject to the above a rebate of 5% will be payable to you by us on all transactions made in the first 3 months up to £100 and applied at the same time as any annual rebate. An annual rebate on the aggregate amount of all transactions (other than the exclusions stated above and any introductory offer) will be payable to you by us and calculated at the following rates, 0.5% for aggregate amounts up to £3,500; and 1% for aggregate amounts from £3,501 to £7,500; and 1.25% for aggregate amounts in excess of £7,501.
   
   A dormancy fee of £20 per year will be payable by you if the aggregate amount of all transactions, other than cash advances & balance transfers, that have taken place during the preceding 12 months is £0.
3. American Express may vary the %APR, interest rates and other charges from time to time. We may offer you the opportunity to request Balance Transfer(s) from time to time - we will charge interest on all balances that result from Balance Transfer(s) at the standard rate of 18.9% per annum, 2.08% per month on a daily basis until the amount is fully repaid to us. For example we reserve the right to refuse any Balance Transfer requests including Balance Transfers from overdue accounts, exceeded Credit Limits, overdrafts, loans, HP agreements or any Amex accounts. We are not liable for any overdue payments or interest incurred. Payments to card companies will normally be made within 30 days from receipt of your statements and we will advise you when payment is made. We may charge a handling fee in relation to Balance Transfers. Any such handling fee will be 2% of the Balance Transferred.

Written details are available on request. Credit available subject to status to UK residents aged 18 years old or over. The Platinum Cashback Card is offered by American Express Services Europe Limited. Registered Office: Belgrave House 76 Buckingham Palace Road London SW1W 9AX. Registered in England and Wales with Number: 1833139

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* Source: Moneysupermarket.com as of 08.07.09