ELECTRONIC STATEMENT TERMS AND CONDITIONS

IMPORTANT NOTE: If you are enrolling an eligible personal or small business card or other Amex Account to receive your statements online through Amex Bank of Canada you must agree to the following Electronic Statement Terms and Conditions. For Corporate cards please see Corporate and Corporate Purchasing Card Cardmembers section below.

Definitions:
In these Electronic Statement Terms and Conditions: "Agreement" means these Electronic Statement Terms and Conditions; "we" "us" "our" and "Amex Bank" means Amex Bank of Canada and its successors and assigns; "you", "your" and "yours" means the Basic Cardmember, loan account customer or other eligible customer; "Service" means the online or electronic services you are registering with us to receive your monthly statement of Account and other Communications electronically ; "Statement" means your monthly billing statement of Account we provide you; "Account" means the Basic Cardmember's card account(s) registered for the Service, any supplementary card(s) associated with such Basic Cardmember's card account(s), successor, additional or replacement card accounts, loan account(s) or another eligible account(s) (as applicable); "Amex Agreement" means the Amex Bank - Cardmember Agreement and Disclosure Statement or other agreement in respect of an Account, as applicable; "Communications" means statements of Account including rewards summary (if applicable), and other Account notices, disclosures and amendments of the Amex Agreement and other communications

Your Consent to Receive Statements Electronically:
By indicating that you have read and agreed to this Agreement and by registering for the Service with us, you authorize, acknowledge and consent as follows: You have received, read and agreed to the terms of this Agreement; all information that you have provided is accurate and complete and you are the Basic Cardmember on the card Account(s), the borrower on a loan account or our customer for another Account that is eligible for the Service.

This Agreement is a supplement to and in addition to your Amex Agreement with us.

You consent, effective immediately, that we may provide Statements, disclosures and certain notices other Communications (which includes changes to agreements) electronically by posting them on our website www.americanexpress.ca (or any other website we may designate in the future).

Once enrolled in the Service, you agree that we may stop sending you paper versions of your Statement and any other Communications. Electronic access to your Statement will replace printed billing Statements, rewards statements (if applicable) and certain other Account notices and disclosures sent by mail. Cheques and certain vouchers may be sent by mail.

You agree that we may send Communications by any lawfully permitted electronic manner, including email, posting them on an American Express website, or other means you have agreed to (if applicable) and you agree that it is your responsibility to access all such Communications.

Your electronic monthly Statement of Account will serve as your legal billing statement, where applicable.

If the Account is an American Express Card, you (the Basic Cardmember) agree to provide this Agreement and all notifications related to this Agreement to all Supplementary Cardmembers.

You also agree you would like to receive special email offers and updates from us if you have selected this option or otherwise provided your consent.

There is an option to print and/or save this Agreement.

Contact Information:
You must keep us informed of any change to your contact information, including email address

Failure to update your email address or failure to maintain a valid email account will impact your use of the Service. We reserve the right to send printed Communications to you by mail for a particular Account or for certain Communications or otherwise at our sole discretion from time to time. Therefore, you agree to promptly notify us of any change to your mailing address even if you generally receive Communications electronically. However, if you have enrolled in the Service, Statements and electronic Communications will generally replace printed billing Statements and other Communications sent by mail beginning as early as the next billing cycle after enrollment.

Obligations Related to Access:
We generally send you an email or other notification indicating that Communications can be accessed electronically through Online Services at americanexpress.ca/online services. If in error a reminder is not sent, you are still responsible for full payment of your outstanding Account balance when it becomes due.

We are not responsible if you do not receive email notifications due to your email address changing or being invalid or due to systems failures, interruptions in communications systems, your email settings or any other reasons. It is your sole responsibility to adjust your email service settings and any anti-spam filters so that you will receive our email notifications.

An inability to access your Statement or another Communication for any reason does not constitute an exception to your obligation to pay amounts due under your Amex Agreement on time or any requirements of your Amex Agreement and you will still be bound by our Statements and other Communications. Replacement printed copies of Statements or other Communications are subject to applicable fees as set out in the Amex Agreement.

Accessing Electronic Statements: These Communications will generally be available online for a minimum period of sixty (60) days.

You hereby designate the information systems to which all such Communications may be provided to you as the information systems through which you will receive such Communications. It is your responsibility to register for and maintain your registration for the Services, promptly access Communications and print or save them.

You agree that it is your responsibility to access and check regularly for your electronic Statement and to access any legal notices, disclosures and other Communications provided to you electronically.

Unless otherwise provided by applicable law, all electronic Communications including your Statement will be deemed to be received by you on the day the electronic Communication is posted online even if you do not access the electronic Communication for any reason.

You agree not to dispute any electronic Communication on the basis that it was not in writing or was not signed.

You are solely responsible for obtaining and maintaining your own compatible computer system, software, and communications lines required by you to properly access the Service and in accordance with all applicable laws and our requirements. All telecommunications and other charges incurred by you in gaining access to the Service are your sole responsibility. Technical and security requirements may change from time to time. We are not responsible for any misuse of the Service by you or anyone else and you are responsible for ensuring you access all Communications and/or the Service through a secure computer system.

Revoking Consent:
You may at any time revoke your consent to receiving electronic statements and disclosures through our online services available at www.americanexpress.ca or by calling the phone number on our website, also found at the back of your card (if you have a card account with us) and we will revert to sending you printed paper versions.

Changing your preference and requesting the receipt of paper Statements through Amex Bank will automatically de-register you from the Service.

You agree that at our sole discretion we may treat any termination of this Agreement or cancellation of the Service as a temporary suspension of this Agreement and the Service and we permit you to reinstate this Agreement and the Service by re-registering with us by phone or through Online Services at www.americanexpress.ca

You understand and agree that it may take time to process your request to revoke the Service and that you must continue to use the Service by accessing your Statement and notices online until you receive a printed billing Statement by mail. We may continue to provide other Communications electronically. Cancellation of this Agreement does not terminate the Amex Agreement or any other agreements or relieve you of any obligation to pay all amounts owing to us by a method of payment that is acceptable to us.

Misuse of the Service:
You agree not to use the Service for any illegal or abusive purpose or in any way which damages, interferes with or disrupts the Service or any property of ours or a third party. You agree to immediately notify us of any use of the Service that is illegal, unauthorized, fraudulent or prohibited by this Agreement.

Account Delinquency:
In the event your Account is delinquent, a paper monthly billing Statement will be mailed to your address of record each month until your Account balance is current and you may also be de-registered from the Service.

Once your balance has returned to current status, your printed monthly billing Statements will stop being sent to you and you will need to access your Statements online for details of your balances, charges and transactions.

If you fail to bring your Account into current status your Account will be cancelled. If your Account is cancelled you will no longer have access to your Statements online through Amex Bank.

Changes or Cancellation of the Service: We may cancel, change or suspend this Agreement or the Service at any time by providing you with notice and we may cancel, change or suspend this Agreement or the Service without notice if we consider you to be in default under the terms of this Agreement or the Amex Agreement or in the event of technical or security difficulties with the Service.

If our system indicates that you did not receive your email notification, or we have reason to believe you did not receive your electronic Statement, we can cancel this Agreement or your enrolment in the Service to receive Statements electronically and start sending you printed billing Statements.

If the Account is cancelled, we have the right to cancel the Service without notice.

There may also be other circumstances in which you will have to re-enroll in the Service.

Disclaimer
If the Service is not available within your geographical location, you agree that your sole remedies are not to enroll in the Service or to terminate the Service.

To the extent permitted by applicable law, we will not be liable to you or any third party for any incidental, indirect, consequential, special, punitive or exemplary damages of any kind whatsoever arising from or in connection with this Agreement and the Service (whether in contract, tort, strict liability, products liability or otherwise), including without limitation, lost revenues, loss of profits, loss or interruption of business or other economic loss and even if we have been notified of the possibility of such damages.

We have made no warranty of merchantability, fitness for a particular purpose or non-infringement regarding the Service and we make no warranty that the Service will meet your requirements, be uninterrupted, timely or error free.

Any use of the Service and any material or data downloaded or otherwise obtained through the use of the Service is done at your own discretion and risk and you are solely responsible for any damages including without limitation to your computer or data. You acknowledge and agree that using the Services means you will be bound by the terms and conditions of this Agreement. You agree we are not liable for any use, misuse, operation or merchantability of the Services.

You agree that your sole remedy is to terminate the Service.

These terms will survive termination of this Agreement.

These Electronic Statement Terms and Conditions are a supplement to and in addition to your Cardmember Agreement, loan agreement and/or other Account Agreement with Amex Bank, as applicable.

Corporate and Corporate Purchasing Card Cardmembers (Applicable to Amex only):
Subject to your organization's election of Statement delivery options discussed below, all Corporate and Corporate Purchasing Card Cardmembers registered with My Account are eligible to select Paper Statement with Statement Ready Email Notification through us for their Corporate Card and Corporate Purchasing Card accounts.

The Statement Ready Email Notification will inform you that an electronic PDF version of your monthly billing Statement is ready to view, download or print, and will include a link to My Account.

Paper Statement with Statement Ready Email Notification: If you are eligible for and select this option, you will continue to receive your monthly billing Statement via regular mail. In addition, you will also receive a "Statement Ready Email Notification" via email usually within 5 days of your monthly billing Statement date at the email address included in your My Account profile. The Statement Ready Email Notification will inform you that your electronic monthly billing Statement is ready to view, download or print, and will include a link to My Account.

After clicking the link to My Account, you will need to log-in using your user ID and password to access account information and view your Statements.

Paper monthly billing Statements will continue to be mailed to your address of record provided at the time of Card issuance, or as updated subsequently by either you or your company's Program Administrator. You are responsible for paying your monthly billing Statement in accordance with your Amex Bank Cardmember Agreement.

To ensure that you receive your Statement Ready Email Notifications notices, it is your responsibility to maintain your email address within My Account or otherwise adequately notify Amex Bank of any email address changes. In the event that you do not receive your Statement Ready Email Notification for any reason, you are still accountable for paying your monthly bill in accordance with your Amex Bank Cardmember Agreement.

Paper Statement without Statement Ready Email Notification:
If you are eligible for and select this option, you will continue to receive your monthly billing Statement via regular mail but you will not receive any Statement Ready Email Notifications. Paper monthly billing Statements will continue to be mailed to your address of record provided at the time of Card issuance, or as updated subsequently by either you or your company's Program Administrator. You are responsible for paying your monthly billing Statement in accordance with your Amex Bank Cardmember Agreement.

Please Note: If your organization has mandated the Online Statement delivery option for your Corporate Card or Corporate Purchasing Card Account (or has permitted this option and you have selected this option), more fully discussed below, you will automatically be enrolled in the Statement Ready Email Notification program as this is required for all Cardmembers receiving Online Statement delivery.

Online Only Statement Delivery: Your eligibility to select the "Online Only Statement Delivery" option is at the discretion of your organization. If this option shows as being available or required for your Corporate Card or Corporate Purchasing Card Account, you have either been granted the option to choose an online only Statement delivery method or have been mandated by your organization to receive future monthly billing statements online only. With Online-Only Statements, Cardmembers will no longer receive paper monthly billing Statements beginning as early as the next monthly billing Statement date that follows the date you or your organization selected the online only delivery method.

Online-Only Statement with Statement:
If you are eligible for and select this Statement delivery option or your organization has chosen to mandate this delivery method, you will no longer receive your monthly billing Statement via regular mail as all future monthly billing statements will be delivered online only through American Express' secure Web-based application, My Account*

Ready Email Notification:
In addition, you will also generally receive a "Statement Ready notification" via email usually within 5 days of monthly billing Statement date at the email address included in your My Account profile. The Statement Ready Email Notification will inform you that your electronic Statement is ready to view, download or print, and will include a link to My Account. After clicking the link to My Account, you will need to log-in using your user ID and password to access account information and your electronic monthly billing Statements.

To ensure that you receive your Statement Ready Email Notifications notices, it is your responsibility to maintain your email address within My Account or otherwise adequately notify Amex Bank of any email address changes. In the event that you do not receive your Statement Ready Email Notification for any reason, you are still accountable for paying your monthly bill in accordance with your Amex Bank Cardmember Agreement.