Corporate Platinum Card^®
from American Express

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

1. The Centurion^® Lounge – Corporate Platinum Cardmembers have complimentary access to all locations of The Centurion Lounge. American Express^® Corporate Gold Cards and American Express^® Corporate Green Cards are not eligible for complimentary access. Please visit thecenturionlounge.com or call the number on the back of your Card for more information on individual lounge access policies. Guest access policies vary by location and are subject to change.

Children under 2 years of age are not considered companions and will be admitted free of charge, provided an accompanying parent or guardian is able to produce a “lap infant” boarding pass or proof of age. To access The Centurion Lounge, the Corporate Platinum Cardmember must present The Centurion Lounge agent with the following upon each visit: his or her valid Corporate Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Corporate Platinum Cardmembers will only be granted access to the lounge within 3 hours of boarding pass departure time. This does not apply to Cardmembers with a same-day connecting flight who can access the lounge any time prior to departure of their connecting flight with proof of boarding pass. Corporate Platinum Cardmembers will not be granted access to the lounge with a boarding pass for a flight that has landed as the final destination. Corporate Platinum Cardmembers will not be compensated for changes in locations, rates or policies. The Corporate Platinum Cardmember must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Corporate Platinum Cardmember must be of legal drinking age in the location’s jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Services and amenities in the Lounge are complimentary, however you are responsible for any purchases and/or servicing charges you authorize our Member Services Professionals to perform on your behalf. Some American Express Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.

2. International American Express^® Lounges – Corporate Platinum Cardmembers have complimentary access to American Express Lounge locations. Supplementary Gold Cards on Corporate Platinum accounts are not eligible for complimentary access. Guest access policies vary by location and are subject to change. Fees may apply for additional guests. To access American Express Lounges, the Corporate Platinum Cardmember and eligible guest(s) must show a valid, unexpired eligible Corporate Platinum Card, confirmed boarding pass for same-day travel and government-issued photo identification in the name of the Corporate Platinum Cardmember/guest(s). Failure to present this documentation may result in access being denied. Corporate Platinum Cardmembers will not be compensated for changes in locations, rates or policies. American Express reserves the right to remove any person from a lounge for inappropriate behavior or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Amenities, services and hours of operation may vary among locations and are subject to change. In some Lounges, the Corporate Platinum Cardmember must be at least 18 years of age to enter without a parent or guardian. Age restrictions for the service of alcohol also vary between Lounges. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside American Express Lounges. Use of American Express Lounges is subject to the local rules and conditions set by American Express and the Lounge operator. American Express and the Lounge operator reserve the right to revise the rules at any time without notice.

3. Plaza Premium Lounges – Corporate Platinum Cardmembers have complimentary access to Plaza Premium Lounges. Corporate Platinum Cardmembers may bring in one (1) travel companion as a complimentary guest. Fees apply for additional guests. Guest must accompany the Corporate Platinum Cardmember. To access a lounge, Corporate Platinum Cardmember and eligible guest(s) must show a valid, unexpired eligible Corporate Platinum Card, confirmed boarding pass for same-day travel and government-issued photo identification in the name of the Corporate Platinum Cardmember/guest(s). International Plaza Premium Lounges, maximum of 2-hour stay. House rules, terms and conditions apply. Lounge access is subject to availability. Unless otherwise stated, lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time. Lounge locations may change from time to time.

4. Delta Sky Club^® – The Cardmember must present their valid Corporate Platinum Card, government-issued I.D. and boarding pass to the Delta Sky Club ambassador. Boarding pass must show a reservation for a same-day Delta-operated flight departing from or arriving at the airport in which the Delta Sky Club is located. Corporate Platinum Cardmembers travelling on a same-day Delta-operated flight with Basic Economy (E) fare tickets will not have access to the Delta Sky Club or to Grab and Go. Name on boarding pass must match name on the Card. Eligible Platinum Cardmembers on departing flights can only access the Delta Sky Club within 3 hours of their flight’s scheduled departure time. During a connection between Delta-operated flights on the same ticket, eligible Cardmembers may use the Delta Sky Club in their connecting airport at any time during the layover. Round-trip same-day travel is not considered a layover. Delta reserves the right to limit access for non-revenue flyers at any Delta Sky Club. Supplementary Gold Cardmembers on Business Platinum Card accounts, and Supplementary Gold Cardmembers on Consumer Platinum Card accounts, are not eligible for The Global Lounge Collection benefit. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Eligible Cardmembers must adhere to all Delta Sky Club House Rules while accessing participating airport clubs.

Participating airport clubs and locations subject to change without notice. Eligible Cardmembers may bring up to two guests or their immediate family (spouse/domestic partner and children under 21 years of age) into the Delta Sky Club subject to the most current Delta Sky Club access and pricing policies, and must use their valid Card as the payment method for guest access. Guests must also provide the club ambassador with a same-day corresponding Delta airline ticket before entering the lounge.

For the most current Delta Sky Club access and pricing policy, please visit delta.com/skyclubaccess. All Delta Sky Club rules apply to Delta Sky Club membership and use. Additional restrictions may apply. To review the rules, please visit delta.com/skyclub. For a complete listing of lounge locations, visit americanexpress.ca/platinum-lounge. Benefit and rules subject to change without notice.

5. Airspace Lounges – Cardmember must present his or her valid Corporate Platinum Card, government-issued I.D. and confirmed boarding pass for same-day travel. In some cases, Cardmember must be 21 years of age to enter without a parent or guardian. The Cardmember may bring up to two companions into the club as complimentary guests per visit. Cardmember must adhere to all house rules of participating lounges. Cardmembers and his or her guests will receive all of the complimentary benefits and amenities afforded to the Airspace Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Airspace Lounge locations are subject to change.

6. Escape Lounges – Cardmembers receive complimentary access to any U.S. location of the Escape Lounges. Cardmember must present his or her valid Corporate Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. In some cases, Cardmember must be 21 years of age to enter without a parent or guardian. Cardmembers may bring either (i) up to two guests or (ii) immediate family members, which are spouse or domestic partner and all children under the age of 18, as complimentary guests. Cardmember must adhere to all house rules of participating lounges. Cardmembers and his or her guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change.

7. Priority Pass^™ – These Terms and Conditions govern Corporate Platinum Card participation in and use of the Priority Pass program. Priority Pass is an independent airport lounge access program. At any visit to a Priority Pass lounge that admits guests, you may bring in one (1) guest for no charge. Corporate Platinum Cardmembers will be charged for any additional guests. Additional accompanying guests are subject to a usage fee at the prevailing rate, which is subject to change without prior notice. Some lounges do not admit guests. By enrolling in Priority Pass, you agree that you will be responsible for any additional accompanying guest visits and that your Corporate Platinum Card will be automatically charged after you have signed for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Additionally, American Express will verify your Card account number and provide updated Card account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program. Once your enrolment has been processed, Priority Pass will send you a welcome package, Priority Pass card and a list of participating lounges. For details on how Priority Pass uses your personal information, please refer to their privacy policy at prioritypass.com. Once enrolled, Corporate Platinum members whose Card account is not cancelled may access participating Priority Pass lounges by presenting their Priority Pass card and airline boarding pass for same-day travel, or by scanning their Priority Pass membership using the Priority Pass mobile app (as applicable). In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package, which you should receive within 10–14 business days. If you have not received the Priority Pass card after 14 business days, please contact Corporate Cardmember Services using the number on the back of your Corporate Platinum Card. Please note, Corporate Gold and Corporate Green Cards are not eligible for membership. Priority Pass non-lounge airport experiences such as airport dining credits are only offered in a few select locations. Select locations are subject to change. For a complete listing of Priority Pass lounge and non-lounge airport experience locations, visit americanexpress.ca/corporate-platinum-lounge.

8. Executive Lounges^™ by Swissport – Corporate Platinum Cardmembers have complimentary access to Executive Lounges by Swissport in Canada. Corporate Platinum Cardmember’s spouse and 2 children under the age of 21, or one travel companion, may enter as complimentary guests. Fees apply for additional guests. Guest must accompany the Corporate Platinum Cardmember. To access a lounge, Corporate Platinum Cardmember and eligible guest(s) must show a valid, unexpired eligible Corporate Platinum Card, confirmed boarding pass for same-day travel and government-issued photo identification in the name of the Corporate Platinum Cardmember/guest(s). House rules, terms and conditions apply. Lounge access is subject to availability. Unless otherwise stated, lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time. Lounge locations may change from time to time.

9. Toronto Pearson Priority Security Lane – American Express Basic and Supplementary Cardmembers with an eligible Card are entitled to access the Pearson Priority Lanes (“Priority Lanes”). The Priority Lanes are serviced by the Greater Toronto Airport Authority. Priority Lanes are located at select departure areas at Toronto’s Pearson International Airport in Terminals 1 & 3. Access to a Pearson Priority Lane is available to eligible Canadian Cardmembers and companions travelling on the same itinerary. The eligible Cardmember can request single-use QR Codes online by visiting go.amex/yyz. For assistance, please call the phone number on the back of your Card. Access to the Priority Lanes is intended for the Basic and Supplementary Cardmember and a reasonable number of persons travelling with them on the same itinerary. If we determine, in our sole discretion, that a Cardmember (or Supplementary Cardmember, as applicable) is not using this benefit as intended, we reserve the right to revoke your access to the benefit or to cancel your Card account. All passengers departing from Pearson International Airport, including those accessing the Priority Lane, are required to comply with airport security and customs screening requirements. Priority Lanes access is subject to change or cancellation at any time and additional terms and conditions apply.

10. Toronto Pearson 15% Parking Discount – 15% discount off the cost of parking (including taxes) will be provided as a credit to your Corporate Platinum Card statement. The parking lot is subject to availability. Discount available at Express Park in Terminal 1 and Daily Park in Terminals 1 & 3. 15% Discount cannot be used when reserving parking on Greater Toronto Airport Authority’s (GTAA) Parking Reservation system or in conjunction with any other offers or discounts offered by GTAA. Terms subject to change. For more information on parking lots visit torontopearson.com.

11. International Airline Program – The discount applies to the base airfare of the ticket(s). All ticket(s) are subject to government imposed taxes, fees and airline-imposed fuel, security surcharges and mandatory non-refundable fees. All ticket(s) purchased through the program will have all valid fare rules and restrictions apply. Tickets will only be refundable if the ticket purchased is in a refundable fare class. Airlines reserve the right to modify fare rules and program participation prior to booking. Tickets are non-transferable or endorsable. To receive the discount, the purchase of the qualifying First, Business, or Premium Economy Class ticket(s) on a participating airline must be made over the phone through Platinum Travel or online at americanexpress.ca/travel and paid in full with an American Express Card in the Corporate Platinum Cardmember’s name. Travel must originate in and return to select Canadian gateways. One-way travel permitted on some airlines. Available service classes in First, Business or Premium Economy where applicable are subject to airline availability. Cardmember and up to seven additional First, Business or Premium Economy Class passengers must travel together on same air itinerary. Not combinable with any other promotion and may not be available on all participating airline’s code-share partners, i.e., flights marketed by the ticketing airline but operated by its code-share partner. Participating airlines and benefits are subject to change. Limited time airline flash sales and private sale fare offers are excluded.

12. Premium Airport Transfer Service – To be eligible, Basic Corporate Platinum Cardmembers must book an eligible round-trip first class or business class flight with a minimum 1-night stay on the same itinerary through Platinum Card Travel Service and pay with their Corporate Platinum Card. Bookings must be made at least four hours prior to pick up time. Subject to availability. Booking changes or cancellations must be made with Platinum Card Travel Service. Please provide Platinum Card Travel Service notice of more than one hour prior to your scheduled pick up time of any change or cancellation. Failure to advise Platinum Card Travel Service of a change or cancellation within the minimum required time frame will count as one complimentary transfer usage. The Premium Airport Transfer Service must be within a 50-kilometer radius of the airport. Additional charges may apply and will need to be paid by the Corporate Platinum Cardmember if the car transfer goes over the 50-kilometer maximum. The maximum number of passengers and luggage allowed will be subject to vehicle availabilities. Corporate Platinum Cardmembers can receive up to 6 complimentary one-way transfers per calendar year. Cardmembers are limited to 4 one-way transfers per qualified round-trip flight and hotel booking. Locations where this service is available are subject to change without notice. For the current list of eligible locations, please contact Platinum Card Travel Service. One hour of complimentary wait time is included. American Express will request and provide your personal information such as your name, email address and mobile phone number to the service provider to fulfill on the Premium Airport Transfer Service. Once your booking is complete, the airport transfer service provider will send you servicing communications by email and text to confirm your booking and details of the service on the day of your pick up. For more details, please contact Platinum Card Travel Service.

13. Fine Hotels and Resorts – Valid only for new Fine Hotels + Resorts (FHR) bookings made through Corporate Platinum Travel Service. Corporate Platinum Cardmembers must book their travel through Corporate Platinum Travel Service. Corporate Platinum Cardmembers are not eligible to book on americanexpress.ca/FHR. Payment must be made with an American Express Card in the Canadian Corporate Platinum Cardmember's name. Available for Canadian Cardholders of The Corporate Platinum Card from American Express. Corporate Platinum Cardmember must travel on the itinerary booked under FHR reservations to be eligible for benefits described. Limit of one (1) benefit package per room per stay. Benefit package can include Noon check-in, Room upgrade, Daily breakfast for two people, guaranteed 4:00 pm late check-out, plus a unique property benefit. Noon check-in and room upgrade based on availability and provided at check-in. Certain room categories are not eligible for room upgrades. Call Corporate Platinum Travel Service for details. The type and value of the daily breakfast (for two) varies by property. The actual value of the daily breakfast will be communicated at the time of check-in. Daily breakfast will be valued at a minimum of US$60 per room per day. Any charges that exceed the value of the daily breakfast will be the responsibility of the Cardmember and will be charged separately. To receive the breakfast credit, the breakfast bill must be charged to your hotel room. The breakfast credit will be applied at check-out. Unique property benefit varies by property, is subject to change, and cannot be redeemed for cash. To receive the unique property benefit, the eligible spend must be charged to your hotel room and the credit will be applied at check-out. FHR cannot be combined with other offers unless indicated. Benefit package expires at check-out. Corporate Platinum Cardmembers may book up to a maximum of three (3) rooms under the FHR Program per stay. Back-to-back stays booked by a single Cardmember, Cardmembers travelling in the same party and staying in the same room, within a 24-hour period at the same property are considered one stay and are ineligible for additional FHR benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke FHR benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your FHR benefits. In the event the Corporate Platinum Cardmember cancels the reservation(s), FHR rates and benefit package will no longer apply to any remaining reservation(s). Participating Fine Hotels + Resorts properties and benefits are subject to change. Complimentary Wi-Fi is provided in room, with the exception of select properties where In-Room Wi-Fi is included as part of a mandatory daily resort fee or is not available. In these instances complimentary Wi-Fi will be provided in a common space on property. Call Corporate Platinum Travel Service for property specific details regarding Wi-Fi.

14. Marriott Bonvoy – Enrolment into the Marriott Bonvoy^®* program is required to receive benefits of Marriott Bonvoy^®* Gold Elite status, and may be terminated by Marriott without prior notice. Marriott Bonvoy benefits are subject to change and availability may vary by property. American Express Terms and Conditions apply. Gold Elite status amenities may not be combined with the Fine Hotels + Resorts program. All Marriott Terms and Conditions apply. For complete terms and conditions of the Marriott Bonvoy program, visit marriottbonvoy.com/terms. American Express reserves the right to instruct Marriott to cancel your Gold Elite status if you cease to be a Corporate Platinum Cardmember or your account is not in good standing. Third party bookings through Tour Operators or Online Travel Agencies, including Amex Travel Online, are not eligible for Marriott Bonvoy benefits.

15. Hilton Honors – As a Corporate Platinum Cardmember you are eligible to enrol in complimentary Hilton Honors^TM** Gold Status. Offer available only to Corporate Platinum Cardmembers and is not transferable. Full details of Gold Status can be found at HiltonHonors.com/MemberBenefits and is subject to change by Hilton. Gold Status benefits are subject to availability at participating hotels and resorts within the Hilton Portfolio. Once you request enrolment in Hilton Honors Gold Status, American Express will share your enrolment information with Hilton. Hilton may use this information in accordance with its privacy policy available at Hilton.com/PrivacyPolicy. If you already have Hilton Honors Gold Status, you can maintain the benefit in the future because you don’t need to meet any stay requirements. You maintain Gold Status without meeting otherwise required criteria only while an eligible Cardholder or until American Express notifies you that the benefit is terminated. Hilton Honors^TM** membership, earning and redemption of Points are subject to Hilton Honors Terms & Conditions. All Hampton by Hilton^TM** hotels in the Republic of China are excluded from the Hilton Honors program. Visit HiltonHonors.com/Terms for more details. Third party bookings through Tour Operators or Online Travel Agencies, including Amex Travel Online, are not eligible for Hilton benefits.

Eligibility for all on-property Hilton Honors benefits subject to full Hilton Honors Terms & Conditions.

Only at select hotel brands: Waldorf Astoria^TM** Hotels & Resorts, Conrad Hotels & Resorts^TM**, Canopy by Hilton^TM**, Curio Collection by Hilton^TM**, Hilton Hotels & Resorts, DoubleTree by Hilton^TM**, and Tapestry Collection by Hilton^TM**.

Base Points are earned from the Hilton Honors Program when you stay at hotels and resorts within the Hilton Portfolio. Bonus Points do not qualify for the 80% Bonus.

For you and up to one additional guest registered to the same room each day of your stay. Daily Breakfast or Daily Food and Beverage credit is only available in the hotel's designated restaurant or Executive Floor Lounge. Food and Beverage credit amount varies by property. Other terms apply. In limited hotels, the hotel may provide you with full breakfast or in-room service. Only at select hotel brands: Waldorf Astoria^TM** Hotels & Resorts, Conrad Hotels & Resorts^TM**, Curio Collection by Hilton^TM**, Hilton Hotels & Resorts, DoubleTree by Hilton^TM**, Tapestry Collection by Hilton™ and Hilton Garden Inn^TM**.

5th Reward Night Free on Standard Room reward stays of 5 nights or more. Free night value based on the average nightly value of the stay, up to 4 free nights on a stay of 20 consecutive nights within the same stay.

Subject to Hilton Honors program terms and conditions.

Wi-Fi may not be complimentary in meeting spaces or at properties with a resort charge.

Only at select hotel brands: Waldorf Astoria^TM** Hotels & Resorts, Conrad Hotels & Resorts^TM**, Curio Collection by Hilton^TM**, Hilton Hotels & Resorts, DoubleTree by Hilton^TM**, Tapestry Collection by Hilton^TM**, Embassy Suites by Hilton^TM**, Hilton Garden Inn^TM** and Hilton Grand Vacations^TM**. Bottled Water benefits may not be complimentary at properties with a resort charge.

Note: Please note that a Hilton Honors Membership Number is required before you are able to enrol in this benefit. If you are new to Hilton Honors, please sign up on their website.

16. This is not an insurance. Costs associated with any out-of-pocket expenses related to your Travel Emergency Assistance inquiry are your responsibility. Services will be provided as permitted under applicable law and must be authorized and arranged by AXA Assistance.

17. Membership Rewards – Earn 1.25 points for virtually every dollar charged on eligible, enrolled American Express Corporate Cards. In the case of a Corporate Card, participation in the Membership Rewards^® program is subject to the approval of the Company or other entity in whose name the Corporate Card account is opened. If Company approval is given, Cardmember is automatically enrolled in the Program. The Company or other entity may also cancel participation in the Program at any time. Rewards are subject to availability and restrictions may apply as to when the reward can be redeemed. Amex Bank of Canada reserves the right to terminate the program with three (3) months prior notice. Items submitted to us or recognized by our systems as being purchases or charges for travellers cheques or foreign currencies, cash advances, balance transfers, Amex Cheques, Express Cash transactions, annual fees, finance charges and/or other fees or charges are not eligible to earn points. Redeemed rewards are not refundable, exchangeable, replaceable or transferable for cash or credit. Amex Bank of Canada reserves the right to change the Program Terms and Conditions, including without limitation assignment and reassignment of tiers and associated rights, at any time without notice. To cancel enrolment in the Membership Rewards program at any time, please call 1-800-716-6661. Please visit membershiprewards.ca or call 1- 800-716-6661 for more information, for current annual fees or for full Membership Rewards Terms and Conditions.

18. Membership Rewards points are accepted as payment for a wide range of travel options through American Express Travel Services. Membership Rewards points can be used to pay for new travel purchases, including taxes and surcharges. Membership Rewards points are not refundable. Membership Rewards points have no cash value. Travel selections are based on available space and are subject to terms and conditions of travel suppliers. For car rental companies and hotels that do not accept prepaid bookings, contact American Express Travel Services at 1-855-804-9600 for details about how you can use your Membership Rewards points. In order to redeem points for any travel booking, the Membership Rewards Program account must be active and the Card must be in good standing. When you redeem points for an eligible travel booking, the full cost of the flight, including taxes, fees and carrier surcharges will be charged to your Card. Within 10 business days from the date of booking, you will receive a statement credit for the amount you redeemed. If your statement monthly cycle cut date falls between the date the transaction is recorded on your statement and the date the statement credit is processed, you will be responsible for paying your monthly statement in full. The statement credit will be applied against your next statement. If the American Express Installment Program applies to you and you also redeem points for one or more transactions, the Installment Program will take precedence and the credit will apply to your account in the regular course. This could result in you having a credit balance on your account. If you want to reduce the credit balance, you can cancel any active installment plans you may have. See the Installment Program terms and conditions in your Cardmember Agreement for details, if applicable. Bookings are also subject to American Express Travel Terms and Conditions. To view these please visit americanexpress.ca/termsandconditions.

19. Funds do not expire. For use in Canada, U.S. and other countries that accept American Express Cards. For more information on Terms and Conditions call 1-833-350-2461 or visit AmexPrepaidCard.com.

Use at merchants in Canada, U.S. and other countries that accept American Express Cards except for any other merchants or transactions that American Express may determine from time to time. Usage in certain countries may at times be restricted by law. This Card is not eligible for protection under any Zero Liability policy. Funds do not expire. The Card cannot be used at ATMs. Not redeemable for cash, except where required by law. Additional limitations apply, including restrictions on use of the Card for recurring billing. Read enclosed Cardholder Agreement for complete terms and conditions, including a binding individual arbitration clause. Replacement Card issued only to the extent of available funds at time of notification. For customer service, call 1-833-350-2461. For balance inquiries, current Cardholder Agreement, and additional information visit AmexPrepaidCard.com. Card balance not insured by the Canada Deposit Insurance Corporation (CDIC). Card issued by Peoples Trust Company pursuant to a license from American Express.

For Full Membership Rewards Terms & Conditions, visit membershiprewards.ca or call 1-800-668-2639. Corporate Cardmembers, please call 1-800-716-6661.

20. Membership Rewards points can be redeemed for Gift Cards or Certificates and other merchandise. The Gift Card or Certificate is subject to the Terms and Conditions indicated on the reward. For Full Membership Rewards Terms & Conditions, visit membershiprewards.ca or call 1-800-668-2639. Corporate Cardmembers, please call 1-800-716-6661.

21. Merchandise Availability: All merchandise rewards are subject to availability. If an order is not available, a similar item of equal value or greater will be substituted whenever possible. If a substitution is not available, your Membership Rewards points will be credited back to your program account and you will be contacted. Merchandise rewards are subject to change without notice. New merchandise rewards will be added to the program on a regular basis. Some rewards are available in limited quantities. Limited items will be noted in the product description.

Merchandise Delivery: Please allow 2–4 weeks for delivery. Cardmembers are required to provide a signature when rewards are delivered. Some items may have longer delivery times—this will be indicated. Orders are shipped via courier and require complete mailing address and telephone number for daytime delivery. (Orders cannot be shipped to a post office box).

Merchandise Returns: Redeemed rewards are not refundable, exchangeable, replaceable or transferable for cash or credit.

Merchandise Warranty: We make no warranties or representations, either express or implied. Warranties may not apply for commercial use of products. You should direct any warranty claims to the manufacturer or service provider in accordance with their warranty information (if applicable).

Subject to Membership Rewards Terms and Conditions. Visit membershiprewards.ca for full Terms & Conditions of the Membership Rewards program or call 1 800 668 AMEX (2639). Small Business Cardmembers, please call 1 888 721 1046. Corporate Cardmembers, please call 1 800 716 6661.

22. Front Of The Line^® – Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages are not transferable and cannot be resold. No refunds and no exchanges subject to merchant's obligations under applicable law.

23. Concierge Services – There is no cost for Concierge consultation, although you are responsible for any purchase and/or shipping charges you authorize. Fees may apply for meetings and event planning. Upon authorization by the Cardmember, Concierge uses its best efforts to source or arrange the purchase of requested goods and services from a supplier. Amex Bank of Canada cannot be responsible for the acts or omissions of suppliers, and cannot guarantee successful fulfillment of Cardmember requests in all instances.

24. Spending Limits – American Express reserves the right to refuse to authorize any charge. Some Corporate Cards may carry specific usage guidelines and limits at the request of your company or at the discretion of American Express.

25. Express Cash – Express Cash is available on select Corporate Cards, subject to Company and American Express approval and enrolment.

26. Underwritten by Belair Insurance Company Inc. You may contact the insurer at 1-833-964-2757 in Canada and the U.S. or visit https://info.client.insure. 

27. Underwritten by Chubb Life Insurance Company of Canada (“Chubb Life”). Use your Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they can also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers can also be covered. You may contact the insurer at 1-877-777-1544 in Canada or visit www.chubb.com/ca.

28. Amex^® Travel Insurance is optional group travel insurance underwritten by Belair Insurance Company Inc. and administered by belairdirect Agency Inc. You may contact the insurer at 1 833 964.2757 in Canada and the U.S. or visit belairdirect.com. In this outline, we have given a brief description of just some of the benefits available under Amex^® Travel Insurance. All insurance coverages are subject to the terms and conditions of the Group Policy issued to Amex Bank of Canada and the applicable limitations and exclusions described in the Certificate of Insurance issued upon enrollment. Please read the Certificate of Insurance carefully. Amex Bank of Canada identifies insurance providers and products that may be of interest to some of its customers. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive compensation from insurance providers and our compensation may vary by provider and product. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.

29. Underwritten by Chubb Life Insurance Company of Canada (“Chubb Life”). You may contact the insurer at 1-877-777-1544 in Canada or visit www.chubb.com/ca.

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

^®*, TM^*: 2025 Marriott International, Inc. All Rights Reserved. All names, marks and logos are the trademarks of Marriott.

TM^**: 2025 Hilton

©2025 Belair Insurance Company Inc.  All rights reserved.