Representative Example: Representative 18.5% APR variable. Based on £25 annual fee, assumed borrowing of £1,200, rate of interest 14.0% per annum (variable).

1. • Important Information
   • *As of 30 September 2011 the American Express Platinum Cashback Credit Card offered the highest total cashback across all purchases over a full 2 year period. Based on the total cashback earned over 2 years (after annual fees have been deducted) on a monthly spend of £750; including an introductory bonus of 2.5% in the first 3 months of Cardmembership and a flat ongoing rate of 1.25% on all purchases (calculated using the ONS Family Spending 2010 Edition household expenditures by category).
   • **As of 30 September 2011 the American Express Platinum Cashback Credit Card offered the highest ongoing and uncapped cashback rate available across virtually all purchases, regardless of spend level. This does not include: additional cashback offered only on selected categories e.g. petrol or supermarket; introductory bonus cashback rates offered for a limited period only; or tiered cashback rates over an annual spend of £10,000.
   • 1. An annual cashback will be payable to you by us at the following rate: 1.25% on every full pound spent and charged per purchase, excluding cash withdrawals, foreign exchange and travellers cheques.
   • 2. An additional cashback of 1.25% on every full pound spent and charged per purchase made during your Card anniversary month if you have made purchases in excess of £10,001 on your Card in the preceding 12 months. Cashback will be paid by crediting your account during each Card anniversary month on the expenditure that has taken place during the preceding 12 months. Your Card anniversary month is the one month period each year following the date on which your account was opened. See Card terms and conditions for full details.
   • Applicants must be 18 years old or over. Approval subject to status and terms and conditions apply. American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX, United Kingdom. Registered in England and Wales with Number 1833139. American Express Services Europe Limited is authorised by the Financial Services Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services.