IMPORTANT INFORMATION REGARDING RATES, FEE, AND OTHER COST INFORMATION

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases 15.24, 17.24 or 19.24% ,based on your creditworthiness and other factors as determined at the time of account opening.

This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 15.24, 17.24 or 19.24% APR on balance transfers requested within 30 days of account opening,based on your creditworthiness

This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 25.24%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies 27.24%
This APR will vary with the market based on the Prime Rate. This APR will apply to your account if you:
1) Make one or more late payments; or
2) Make a payment that is returned
How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for at least 6 months. We review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until after you have made timely payments, with no returned payments during the 6 months being reviewed. The Penalty APR will apply to existing balances only if a payment is more than 60 days late.
Paying Interest Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Membership Fee $0 for the first year, then $65
Transaction Fees
  • Balance Transfer
Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance
Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction
2.7% of each transaction after conversion to US dollars.
Penalty Fees
  • Late Payment
Up to $38
  • Returned Payment
Up to $38
  • Overlimit
None
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you do not pay at least the Minimum Payment Due within 60 days after its Payment Due Date.

Variable APRs for each billing period are based on the Prime Rate published in The Wall Street Journal 2 days before the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published. If the Prime Rate increases, variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. When the Prime Rate changes, the resulting changes to variable APRs take effect as of the first day of the billing period. Variable APRs are accurate as of 02/15/2015.

TERMS AND CONDITIONS


View the full Card Member Agreement.


By submitting this application, you are requesting us to open an Account in your name and to issue Card(s) as you direct. Only qualified individuals 18 or over may apply for an Account.

You promise that the information you provide on this application is accurate. You authorize us to verify this information and to obtain reports from consumer reporting agencies. You authorize us and our affiliates and subsidiaries to share information we have about you at any time for marketing and administrative purposes as permitted by law. Upon request, we will tell you if we have received a consumer report and the name and address of the agency that provided it.

When you use your Account (or sign or keep the Card), you agree to the terms of the Card Member Agreement that will be provided to you. Your Card Member Agreement includes an arbitration provision, which restricts your opportunity to have claims related to the account heard in court or resolved by a jury, and to participate in a class action or similar proceeding.

We may change the Card Member Agreement subject to applicable law. We may do this in response to the business, legal, or competitive environment. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Card Membership.

Additional Cards: Additional Card Members do not have accounts with us but they can use your Account subject to the terms of the Card Member Agreement. You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account. You must pay for all charges they make. You authorize us to give Additional Card Members information about your Account and to discuss it with them.

Patriot Act Notice: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.

Balance Transfers: Only balance transfers from accounts in your name requested within 30 days from the date of account opening will be approved. We will charge your Card account for the total approved amount of all balance transfers. No transfer will be processed if: (1) any requested transfer is less than $100; (2) the total amount of all requested transfers exceeds the lesser of $7,500 or 50% of your credit limit; or (3) charging the requested transfers to your Card account would cause your total account balance to exceed your credit limit. We will not initiate any balance transfer until at least ten days after we have mailed or otherwise provided the Card Member Agreement to you. In some cases, it may take up to six weeks to complete a balance transfer. Please be sure to make all required payments on any account from which you are transferring a balance until the balance transfer is credited to that account. You authorize us to verify the balance of such accounts. You may not transfer balances from any account issued by American Express or any of its affiliates. Additional Card Members may not request or authorize balance transfers. Your balance transfer request may be declined if any of your American Express accounts are not in good standing.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin’s Marital Property Act will adversely affect a creditor’s interest unless, prior to the time credit is granted, the creditor is furnished a copy of that agreement or decree or is given complete information about the agreement or decree.

New York residents may contact the New York Department of Financial Services to obtain a comparative list of credit card rates, fees, and grace periods by calling 1-800-518-8866.

An Applicant, if married, may apply for a separate account.

Cash advance at ATMs: We may issue you a Personal Identification Number (PIN) to use to obtain cash advances at participating ATMs. Or you may request a PIN for cash advances by contacting us. We will send you a letter confirming your PIN.


Preferred Guest, SPG, Starpoints, St. Regis, The Luxury Collection, W Hotels, Le Meridien, Westin, Sheraton, Aloft, Element, Four Points and their respective logos are the trademarks of Starwood Hotels & Resorts Worldwide, Inc., or its affiliates.

Notice to Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

Notice to Oregon Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum payment due, up to your entire outstanding balance, at any time.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.


The Starwood Preferred Guest® from American Express is issued by American Express Bank, FSB. ©2015 American Express Bank, FSB. All rights reserved.

POID APZ9:0001

OFFER TERMS

Welcome bonus offer not available to applicants who have or have had this product.

10,000 StarpointsTo be eligible to earn 10,000 bonus Starpoints, you must make your first purchase with the Starwood Preferred Guest Credit Card within one year of Card approval. Bonus points will appear on your Starwood Preferred Guest statement 8–12 weeks after your first purchase. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. American Express reserves the right to modify or revoke offer at any time. You can earn 10,000 bonus Starpoints after you make your first qualifying purchase on your Card within your first 12 months of Card Membership starting from the date your account is approved. In rare instances, your period to make your first purchase may be shorter than 12 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 12 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). For questions regarding your Card account, please call the number on the back of your Card.

15,000 StarpointsTo be eligible to earn 15,000 bonus Starpoints, you must use The Starwood Preferred Guest Credit Card to complete $5,000 of eligible spending by the end of your first 6 months of Card Membership, based on the date of your Card approval. Bonus points will appear on your Starwood Preferred Guest statement 8–12 weeks after you reach the spend threshold. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. American Express reserves the right to modify or revoke offer at any time. You can earn 15,000 bonus Starpoints after you spend $5,000 or more in qualifying purchases on your Card within your first 6 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend $5,000 may be shorter than 6 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 6 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). For questions regarding your Card account, please call the number on the back of your Card.

Instant AccountIf approved for an instant account number, you will receive a temporary line of credit with a minimum amount of $1,000 for use at Starwood websites. Once you receive and activate your Card, you will have access to your full line of credit for use anywhere the Card is accepted.

Basic Card Annual FeeThe annual fee for the Starwood Preferred Guest Credit Card will be waived for the first year of Card Membership. The annual fee will be $65.

BENEFIT TERMS

The following benefits and services are subject to change or cancellation.

1 Starpoint® on Eligible Purchases
Eligible Purchases means purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. Starpoints received from your Card will be posted to your SPG account up to 12 weeks after the end of each month. To be eligible to receive Starpoints, Card Member's account must not be cancelled or in default at the time of bonus fulfillment.
Merchants are assigned codes based on what they primarily sell. A purchase will not earn additional points if the merchant's code is not eligible. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional points. A purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.

Account Manager
Account Managers and Agents must be at least 18 years old.

Amex Auto Purchase Program
*Between 7/1/13 and 9/30/13, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of the American Express Auto Purchasing Program, based on users who configured virtual vehicles and subsequently purchased a new vehicle of the same make and model listed on the certificate from Certified Dealers, was $3,146, including applicable vehicle specific manufacturer incentives. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer's Suggested Retail Price ("MSRP") is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer's trade area as not all vehicles are sold at MSRP.

**Upfront dealer pricing information and Guaranteed Savings not available in all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured. Your configured vehicle may not be available or in-stock at the Certified Dealer. With Guaranteed Savings, the selected TrueCar Certified Dealer guarantees that you will receive at least a certain, stated minimum savings amount off the base Manufacturer's Suggested Retail Price ("MSRP"), including any vehicle-specific manufacturer incentives that may be currently available. Guaranteed Savings only applies to new, in-stock vehicles at the selected TrueCar Certified Dealers. Incentives subject to certain terms, conditions and restrictions; see your TrueCar Certified Dealer for details.

Neither TrueCar nor American Express brokers, sells or leases motor vehicles. Each Certified Dealer sets its own pricing, and your actual purchase price is negotiated between you and the Certified Dealer. The Certified Dealer will confirm actual vehicle availability from in-stock inventory, including options and color choices.

American Express does not make any guarantees with respect to vehicle purchase. Fulfillment of this offer is the sole responsibility of the participating American Express merchant. Applicable for full car purchases, credit limitations apply

Award Nights
Starpoints redeemed for an award night include the cost of a standard room and applicable taxes only. Some hotels may have mandatory service and resort charges. Please contact hotel or resort for complete details. Starpoints required for an award night range from 2,000 Starpoints for a weekend night in a standard room at a Category 1 property to 35,000 Starpoints for a high season night in a standard room at a Category 7 property. Category 7 properties that are all suites, villas, or have mandatory board require higher Starpoint redemption. For complete information on reward stays, visit www.spg.com.

Cash & Points
Offer is valid at Cash & Points participating properties only and at select Category 7 hotels and resorts and is subject to availability. Complete list of participating properties can be found at www.spg.com/cashandpoints. Blackout dates may apply. The Starwood Preferred Guest No Blackout Dates policy applies only to Free Night Awards in standard room types and is not applicable to this redemption option. Rooms are for single or double occupancy in a standard room; some hotels may offer Cash & Points in non-standard room types and/or suites at higher cash and Starpoints amounts; these rooms may only be booked through an SPG Customer Care Center. Charges may apply for additional guests and bedding; smoking preferences are not confirmed. Guest is responsible for all taxes and service charges affiliated with this award reservation. Local guarantee and cancellation policies apply. Guest will not receive Starpoints or airline miles for these stays. Cash & Points rates are ineligible for Starpoints earnings, even though the member does pay money directly to the hotel; however, Starpoints are still earned on eligible incidentals as usual, and all in-hotel benefits should be honored for members staying on this rate. Cash & Points Award stays and nights do not qualify toward any promotions requiring stays or nights; however, Cash & Points Award stays and nights from October 1, 2011, onward do qualify as an eligible stay or night(s) toward earning elite levels. Cash components of this award that are confirmed in non-USD will be adjusted, as needed, to reflect the USD equivalent of the award before being posted in local currency to the customer's bill at time of checkout.

Destination Family
Valid for new bookings made through American Express Travel with participating travel providers: Abercrombie & Kent, American Express Vacations, Avis Rental Car, Hertz, Royal Caribbean International, Regent Seven Seas Cruises, and Tauck World Discovery. Benefit varies by provider. Payment must be made with an American Express Card. May not be available to residents of Puerto Rico or U.S. Virgin Islands. Card Member must travel on itinerary booked. Limit one benefit package per booking. May not be combined with other offers unless indicated.
Blackout dates apply and benefits are subject to change. Benefits listed are non- transferable, subject to availability, and cannot be redeemed for cash or credit. Available to all U.S. American Express Corporate, Consumer, OPEN and Prepaid Cards.

Dispute Resolution
Not all disputes are resolved in the Card Member's favor.

Entertainment Access®
Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members (including Prepaid and International Cards). Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities.

Free Nights
Starpoints redeemed for a free night award include the cost of a standard room and applicable taxes only. Some hotels may have mandatory service and resort charges. Please contact hotel or resort for complete details. Starpoints required for a free night range from 2,000 Starpoints for a weekend night in a standard room at a Category 1 property to 35,000 Starpoints for a high season night in a standard room at a Category 7 property. Category 7 properties that are all suites, villas, or have mandatory board require higher Starpoint redemption. For complete information on reward stays, visit www.spg.com.

Global Assist® Hotline
While Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see americanexpress.com/GAterms.

Gold /Platinum Status Late Checkout
Subject to availability at resorts and conference center hotels.

Gold/Platinum Status Points
A Gold Preferred Guest or Platinum Preferred Guest will earn one bonus Starpoint (in addition to the standard two base Starpoints) for Eligible Charges at SPG Participating Hotels for each US dollar or the currency equivalent that is incurred and paid for by the SPG Member.

No Blackout Dates
No blackout dates apply to Free Night Awards which apply to standard rooms only, as defined by each participating property; contact the property before booking to check availability.

Return Protection
Return Protection can refund you for eligible purchase(s) charged entirely on an eligible American Express® Card. Coverage is limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per Card Member account per calendar year. Shipping and handling costs for the purchase will not be refunded. Items are eligible if they are in "like new" condition and if they cannot be returned to the merchant from which they were originally purchased. Certain purchases are not eligible for refund, e.g. motorized vehicles, perishable items, computer software, and jewelry. Other important exclusions apply. Purchases must be made in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. Return Protection is subject to additional important terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/RPterms.

Roadside Assistance Hotline
Roadside Assistance Hotline is a 24-hour dispatch hotline that can send a tow operator or locksmith to assist in an emergency situation. While Roadside Assistance Hotline is available at no additional charge, the Card Member will be charged for any services or goods provided. Tow operator or locksmith can provide the following services: towing, winching, jump starts, flat tire change when Card Member has a workable spare, lockout service when key is in vehicle and delivery of up to 2 gallons of fuel. Services are available when traveling within the United States, Canada, Puerto Rico and the U.S. Virgin Islands and only when Card Member is present with the eligible vehicle. This product does not cover some vehicles, e.g. rental vehicles, motorcycles, taxicabs, unlicensed vehicles, tractors and trucks over 10,000 lbs gross vehicle weight. Other important exclusions apply. We may be unable to provide you with coordination and assistance services in case of inclement weather or on roadways which restrict access to certain service providers. Lockout service may be unavailable for vehicles with transponder keys. Subject to additional important terms, conditions and exclusions. For full Terms and Conditions, call 1-800-333-AMEX or see americanexpress.com/RAterms.

Seller of Travel
American Express Travel Related Services Company, Inc. acts solely as sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. We want you to be aware that certain suppliers pay us commissions and other incentives for reaching sales targets or other goals, and may also provide incentives to our travel counselors. For more information please visit www.americanexpress.com/travelterms
California CST#1022318, Washington UBI#600-469-694, Iowa TA#002, Nevada NV#2001-0126.

Shop Runner
Enrolling in the Benefit.
To get the free ShopRunner membership benefit compliments of American Express (the "benefit"), you must go to www.shoprunner.com/americanexpress and verify your eligibility for the benefit with an eligible Card account number and then completing the sign up for a ShopRunner membership account ("ShopRunner account").

You may also be able to enroll in this benefit through access provided to ShopRunner at participating online stores or through an email provided by American Express if it has determined that you have an eligible Card.

An "eligible Card" means an American Express U.S. Consumer or Small Business credit or charge Card that is not cancelled and that is issued to you by a U.S. banking subsidiary of American Express. Prepaid cards and products, American Express Corporate Cards and American Express-branded cards or account numbers issued by other financial institutions are not eligible. ShopRunner will verify with American Express the eligibility of your credit or charge card account number for the benefit.

Maintaining the Benefit.
To maintain this benefit on your ShopRunner account, you must maintain an eligible Card. The benefit may be cancelled on your ShopRunner account if you do not have an eligible Card. You can maintain only one benefit per eligible Card.

During your enrollment in the benefit, ShopRunner and American Express will verify your benefit eligibility.

Treatment of Existing ShopRunner Memberships.
If you enroll in the benefit and sign up with an existing ShopRunner account, ShopRunner will cancel the term of your existing ShopRunner account.

If you paid a fee for any unused portion of the cancelled term of membership, ShopRunner will provide you with a pro rata refund for that portion in accordance with ShopRunner's refund policy. The refund will be processed within 2-4 weeks after enrollment and will be issued to the payment method you used to pay the fee.

If a portion of the cancelled term of membership was promotional or free, the free period will be cancelled by ShopRunner and forfeited by you. If you currently have a free or promotional membership on your ShopRunner account, you should consider whether to enroll in the benefit at this time.

General Terms.
An eligible Card can be used to verify eligibility for only one benefit enrollment. American Express may receive and use your personal data from ShopRunner, which may include personally identifiable information and credit card information, to determine eligibility and further develop features and services related to the benefit. American Express may send you emails regarding your enrollment in this benefit. Any information American Express collects from you or from ShopRunner shall be governed by the American Express Online Privacy Statement (https://www.americanexpress.com/privacy). American Express may change, modify, cancel, revoke, or terminate this benefit at any time.

You can review these Terms and Conditions at any time by visiting https://www.shoprunner.com/terms/amex/.

SPG - 30K Gold Status
If during any calendar year, Eligible Purchases on your Card account are $30,000 or more, you (the Basic Card Member) will be enrolled for at least twelve months in the Gold Preferred level of the Starwood Preferred Guest® loyalty program (unless you are already enrolled in an equivalent or higher level). Starwood associates excluded. Please allow 12-16 weeks after your Eligible Purchases equal or exceed such amount for the applicable year for enrollment to become effective. Eligible Purchases means purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply.

SPG Gold Status - Upgrades
Subject to availability for the length of the stay, provided the room was not booked through a prepaid, third-party channel, including priceline.com, expedia.com, booking.com, orbitz.com, and elong.com. Enhanced rooms are rooms on higher floors, corner rooms, newly renovated rooms and rooms with preferred views. Enhanced rooms do not include suites. Not offered at Aloft® and ElementSM hotels

SPG Platinum Status - Upgrades
Subject to availability at check-in for the length of the stay, provided the room was not booked through a pre-paid third-party channel. Specialty Suites such as, but not limited to, premium view, Presidential, Honeymoon, and multiple bedroom suites are excluded. This benefit does not apply to all-suite hotels. Best rooms are identified by each property and may not include upgraded Towers level accommodations unless Towers level accommodations are booked originally. The upgrade benefit is available for one room for the personal use of the Member only, regardless of the number of additional rooms purchased by the Member. This benefit is not offered at Aloft and Element properties.

Starpoints Transfer Bonus
5,000 Starpoints® bonus is awarded only when 20,000 Starpoints are transferred as part of the same transaction. For a list of participating airlines, transfer ratios, and full program details, go to www.spg.com. Participating airlines and transfer ratios are subject to change. Check with your frequent flyer program for details on redemption of airline miles.

Starwood Brand Disclosure
Preferred Guest, SPG, Starpoints, St. Regis, The Luxury Collection, W Hotels, Le Méridien, Westin, Sheraton, Aloft, Element, Four Points and their respective logos are the trademarks of Starwood Hotels & Resorts Worldwide, Inc., or its affiliates.

Turn Starpoints into Airline Miles
Participating airlines and conversion rates are subject to change. See spg.com for full program details.

5,000 Starpoints® bonus is awarded only when 20,000 Starpoints are transferred as part of the same transaction. For a list of participating airlines, transfer ratios, and full program details, go to www.spg.com. Participating airlines and transfer ratios are subject to change. Check with your frequent flyer program for details on redemption of airline miles.

Up to 5X Starpoints® on Eligible Purchases
Starpoints are awarded by American Express as part of the Card's reward program and by Starwood through the Starwood Preferred Guest Program. Because the program terms differ, there may be instances where you receive Starpoints under one program but not the other.
Starpoints awarded by American Express. You will receive two Starpoints® from American Express for each $1 of eligible purchases charged on your Starwood Preferred Guest Credit Card from American Express when charged directly with participating Starwood properties, standalone Starwood retail establishments, and Starwood online stores that, in each case, are wholly owned by Starwood Hotels & Resorts Worldwide, Inc, and its affiliates.
Starpoints awarded by Starwood. You will receive two Starpoints (or three Starpoints if you have Starwood Preferred Guest® elite status) from Starwood for each $1 of eligible charges under the Starwood Preferred Guest Program. Starwood associates do not receive any additional Starpoints as a Starwood Preferred Guest member for hotel stays and purchases. For information about earning Starpoints through the Starwood Preferred Guest Program, please see the SPG Terms and Conditions at spg.com/terms.

Upgrade Your Status
Upon opening your Card Account and, by February 15th of each subsequent calendar year it is open, you will receive from Starwood credit for 2 stays and 5 nights towards your Starwood Preferred Guest elite status. This benefit is limited to one annual credit per Starwood Preferred Guest account. To receive this benefit, your Card account must be linked to a SPG Member account in your name. You will not receive additional 2 stay or 5 night Elite status credits if you have multiple personal Card Accounts or supplemental Cards. Credits and status are subject to the Terms and Conditions of the SPG program.

Year-End Summary
The Online Year-End Summary, available each January 1st, reflects charges posted to your account from January 1st through December 31st of the prior year.

AMEX ASSURANCE COMPANY DISCLOSURES

For important information on policy terms, go to americanexpress.com/benefitsguide

Car Rental Loss and Damage Insurance
Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0925, Policy AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policies. Coverage applies for the first 30 days of a vehicle rental and when rented from a Car Rental Company. Coverage is not available for ride-sharing companies that allow individuals to rent out their personal vehicle. This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, trucks, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $50,000 or more, and exotic cars, as described in the Terms and Conditions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. This product provides collision damage to the rented vehicle but does not cover such things as injuries to you, any passenger in your insured vehicle, injury to other persons, or damages to other vehicles or property. For full Terms and Conditions, see americanexpress.com/CRLDIterms.

Extended Warranty
Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau, and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Extended Warranty can extend the terms of the original manufacturer's warranty on warranties of five years or less. We match the length of the original warranty if the original manufacturer's warranty is less than one year, and we provide one additional year if the original manufacturer's warranty is between one year and five years. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of USD $10,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/EWterms.

Purchase Protection
Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles and their parts or accessories, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to USD $1,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.

Travel Accident Insurance
Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0948, Policy AX0949, or Policy TAI-AX0955. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under CRCB000000106. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. To be covered, you must pay the Entire Fare** for travel on a Common Carrier (e.g. plane, train, ship, or bus) with your eligible Card. Entire Fare** means the cost of the full fare for a Covered Trip on a Common Carrier. You can use your Basic or Additional Card Member's American Express Card, American Express Membership Rewards® Points or a combination of both for the entire fare. But if you use another form of payment or frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered, except for New Hampshire residents. Please read important exclusions and restrictions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/TAIterms.
**Definition of entire fare differs for residents of New Hampshire. See full Terms and Conditions for details.