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Privacy Statement
American Express Cyprus Internet Privacy Statement

This Privacy Statement is published in Cyprus for Cypriot citizens and permanent residents and relates only to Cypriot American Express issued products and services. If you have any American Express product that is not issued by American Express in Cyprus, please refer to the Worldwide Sites page of the American Express Web site to select another country and review the privacy provisions at that Web site.

Protecting your privacy is important to us. We hope the following statement will help you understand how American Express collects, uses and safeguards the personal information you provide to us on our Web site.

The following are all parts of the Statement:

Security

When you send confidential personal account data to us on an American Express website, we require that a "secure session" be established first using Secure Socket Layer (SSL).

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Information Collection

When you browse americanexpress.com.cy and have not registered for any online service from American Express, you browse anonymously. Personal information - such as your name, address, phone number or e-mail address - is not collected as you browse. American Express does, however, use "cookies" to collect information about how our site is used. Information, such as the server your computer is logged on to, your browser type (for example, Netscape or Internet Explorer), and whether you responded to an American Express banner ad or e-mail is collected and tracked in aggregate. This information is used for the purpose of measuring response rates to banner ads and e-mail offers.

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Registration for Online Products and Services

In order to provide you with a particular product or service online, we may request that you supply us voluntarily with personal information, including your e-mail address and account number (if you are an American Express Cardmember, American Express Online Brokerage or My American Express user, for example), for purposes such as correspondence, site registration, checking your bill or investments online, making a purchase, participating in online surveys and enabling us to provide an online product or service to you in an efficient manner, including developing or making offers of products and services in which you may be interested.

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Personalisation

If you are known to us as a registered user of an American Express online service, we, that is, the American Express group of companies worldwide, including other organisations which offer American Express products and services, may combine information about your use of americanexpress.com.cy and the online product or service you utilise with certain other online and offline information we have about you as an American Express customer, including details of where and how you use our products and services and charges for such products and services, as well as information you have provided to us and information available from external sources, such as merchants and marketing organisations, in order to customize your online experience and present you with relevant online and offline offers and updates. We also use a "cookie" to enable our server to recognize you as a registered American Express online service user when you re-enter our site.

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Information Use

We may use information you have given us, for example, to provide a service, ensure proper billing, measure consumer interest in our various services and inform you about products and services. If you provide us with your e-mail address or have done so in the past, or if we obtain your e-mail address from another source, we may send you e-mail offers. These offers may be based on information you provided in your initial transaction with us, in surveys, from information that may indicate purchasing preferences and lifestyle, as well as information available from external sources, such as merchants and marketing organisations. These e-mail offers come directly from American Express.

When we send e-mails to you, we may be able to identify information about your e-mail address, such as whether you can read graphic-rich html e-mails. If your e-mail address is html-enabled, we may choose to send you graphic-rich html e-mails.

Please note that we do not provide your e-mail address to our business partners. However, we may send you offers on behalf of our business partners. Keep in mind that if you take advantage of an offer from an American Express business partner and become their customer, they may independently wish to send offers to you. In this case, you will need to inform them separately if you wish to decline receiving future offers from them.

Our goal is to deliver offers to people who we believe will find them relevant and of value. Offers are developed and managed under strict conditions designed to safeguard the security and privacy of customer personal information. However, at any time you may request not to receive these offers.

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Information Processing and Global Data Transfer

American Express provides technical support and processing for information gathered through its worldwide internet sites in the United States, a country which does not have data protection laws that are as comprehensive as the laws in the European Union. American Express will also disclose to or access our information from other countries outside the European Union in which data protection laws may not be as comprehensive as in the European Union. However, in these cases, American Express has taken appropriate steps to ensure the same level of protection for your information in the United States and other countries as in the European Union.

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Children

We do not use americanexpress.com.cy to knowingly solicit data from or market to children under the age of 18.

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Company Commitment to Privacy

In keeping with our long-standing leadership in consumer privacy protection, American Express is actively involved with current industry initiatives to preserve individual privacy rights on the Internet and in all aspects of electronic commerce. The American Express Customer Internet Privacy Statement applies these Principles to our online customers and defines our commitment to protecting their privacy.

If you have questions about this Privacy Statement, please call the customer service telephone number toll-free within Cyprus on 8000AMEX (2639)/+357 22 84 77 66. You may also write to us at Bank of Cyprus Ltd., 97 Kyrenias Avenue, Platy Aglantzia, P.O. Box 21472, CY-1599, Nicosia. You may also request a copy of the Privacy Statement we posted prior to the web updates made to this document. Please note that American Express Web sites in other markets have Privacy Statements that are fully consistent with the Customer Privacy Principles. These may be modified as needed for particular products and services, or to conform to local laws or customs around the world.

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Customer Choice - Direct Mail and Telemarketing

If you would like to decline receiving American Express mail or telemarketing offers in Cyprus, if you would like information about your account or if you have a question or concern, please call the customer service telephone number listed on your account statement.

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Your Right of Access and Correction

If you ask us, we will tell you what information we hold about you and provide it to you in accordance with applicable law. There may be a charge for this as permitted by law. If you believe that any information we hold about you is incorrect or incomplete, you should write without delay to Bank of Cyprus Ltd., 97 Kyrenias Avenue, Platy Aglantzia, P.O. Box 21472, CY-1599, Nicosia. Any information which is found to be incorrect or incomplete will be corrected promptly.

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Linked Internet Sites

You should be aware that other Internet sites to which you link from americanexpress.com.cy may contain privacy provisions that differ from the provisions provided herein.

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Changes to the Customer Internet Privacy Statement - Cyprus

Changes to our Internet Privacy Statement will be noted here so that you can be fully informed about the privacy protection we provide and your choices with regard to our use of personal information for marketing purposes.

Date Last Revised: 12/21/00

Information Collection

Description: This section was updated to address more specifically what information we do and do not collect, and to more fully explain the combination of online and offline information for registered users of an American Express online service.

About Cookies
Cookies were originally designed to help a Web site distinguish a user's browser as a previous visitor and thus save and remember any preferences that may have been set while the user was browsing the site. A cookie is a small string of text that a Web site can send to your browser. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses or capture your E-mail address. Currently, Web sites use cookies to enhance the user's visit; in general, cookies can securely store a user's ID and password, personalise home pages, identify which parts of a site have been visited or keep track of selections in a "shopping cart".

If you are just browsing americanexpress.com.cy, a cookie identifies only your browser. If you become a registered user on an American Express Web site (with a designated user ID and password), we use cookies so that we can provide customized information that we believe will be of value to you based on preferences indicated, other information we have about you as an American Express customer, as well as information available from external sources such as the Electoral Roll. It is possible to set your browser to inform you when a cookie is being placed - this way, you have the opportunity to decide whether to accept the cookie. If you are just browsing our site and are not a registered user, you do not have to accept a cookie and you may still continue utilising the site. However, if you are visiting a site where you will be accessing your confidential account information (such as Checking Your Bill), you must accept that site's cookies as they are essential for site administration and security. By accepting a cookie, keep in mind that your choice to decline E-mail offers remains unaffected.

Here is how to set your cookie preferences:

Netscape Navigator 4:
Select "Preferences" from the "Edit" menu. From the "Preferences" menu, select "Advanced", and several options for cookies will be listed in the lower right of the menu. Additionally, you may select "Help" for more details. For further information about the Netscape browser and use of cookies, visit Netscape's Web site.

Microsoft Internet Explorer 4:
Select Options from the View menu. Choose the Advanced menu and scroll to the section labelled "Cookies", where several options are listed. For further information about the Microsoft Internet Explorer browser and use of cookies, visit Microsoft's Web site.

AOL:
If you are using AOL v3.0 for Windows 95: Select Preferences from the Members menu. Click on the WWW icon and select Advanced. Modify your preference if you wish to be warned before accepting cookies.

If you are using the following AOL browsers, you will not be able to set cookie preferences since these browsers automatically accept cookies: AOL v3.0 for Windows 3.0, using AOL's proprietary browser or AOL's version of Microsoft Internet Explorer v3.0; AOL for the MAC, using AOL's version of Microsoft Internet Explorer 2.1.

All other earlier versions of AOL browsers do not support cookies, and therefore cannot authenticate you as a registered user on American Express Web sites that involve sending or receiving personal account information.

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