AMERICAN EXPRESS® BUSINESS GOLD REWARDS CARD

CERTIFICATES OF INSURANCE

AMERICAN EXPRESS

BUSINESS GOLD REWARDS CARD

TABLE OF CONTENTS

Flight and Baggage Delay & Hotel Burglary Insurance .................................2

Lost or Stolen Baggage Insurance ...................................................................8

Travel Accident Insurance .............................................................................. 13

Car Rental Theft and Damage Insurance .......................................................18

Buyer’s Assurance

Protection Plan ..............................................................26

Purchase Protection

Plan ..............................................................................31

Mobile Device Insurance ...............................................................................36

Customer Service Numbers ..........................................................................48

FLIGHT AND BAGGAGE DELAY AND

HOTEL BURGLARY INSURANCE

Effective Date of this Certicate:

October 8, 2021.

INTRODUCTION

Flight and Baggage Delay and Hotel Burglary Insurance for AMEX

Cardmembers and insured persons.

Amex Bank of Canada has been issued group insurance policy PSI047258505

for Flight and Baggage Delay and Hotel Burglary Insurance coverage by

Royal & Sun Alliance Insurance Company of Canada (the “Insurer”). This

Certicate of Insurance summarizes the provisions of the group insurance

policy applicable to your AMEX card for Flight and Baggage Delay and Hotel

Burglary Insurance.

All italicized terms have the specic meaning explained in the “Denitions”

section of this Certicate of Insurance.

WHAT TO DO IN AN EMERGENCY?

If you have an emergency, you can call Global Excel Management Inc. (Global Excel).

Global Excel can be contacted 24 hours a day, 7 days a week by calling:

1-866-426-7505 toll-free from the US & Canada, or

(905) 816-1884 collect from anywhere in the world

DEFINITIONS

Throughout this Certicate of Insurance, all italicized terms have the

specic meaning explained below.

Aggregate Limit - the maximum amount which will be paid as the result of any

covered occurrence regardless of the number of fares charged to the card. If

the total amount claimed by the insured persons as a result of any one covered

occurrence is more than the aggregate limit, the amount to be paid will be

prorated for all insured persons.

Burglary - the taking of or damage to personal property as a result of illegal

entry into your hotel premises for which there are visible signs of force made

by tools, explosives, electricity or chemicals.

Card - means an American Express

Business Gold Rewards Card.

Cardmember - means a holder of a valid Basic or Supplementary card from

American Express issued in Canada by Amex Bank of Canada who pays for the

full fare (Coverages A, B and C) or who reserves and pays for the hotel room

(Coverage D) using the valid Amex Bank of Canada card.

Daily basis - means the remainder of time left in any day of the week, ending

at 12:00 A.M. (midnight) of the same day.

Dependent Children - means any natural child, any legally adopted child, any

step-child of or any child dependent upon the cardmember in a “parent-child”

relationship for maintenance and support who is:

a) Under the age of 21 years and unmarried;

b) Under the age of 25 years and unmarried and in full time attendance at a

college or university; or

c) By reason of mental or physical inrmity, incapable of self-sustaining

employment and totally dependent upon the cardmember for support

within the terms of the Income Tax Act (Canada).

Deplaning - means exiting from the aircraft once it has arrived at the scheduled

destination point.

Essential Clothing - means the minimum basic clothing that is absolutely

necessary and indispensable due to the delay of baggage as determined by us.

Full Fare - means 100% of the airline ticket price, including taxes, was charged

to the card. Full fare is extended to include airline tickets obtained through

the redemption of points from the card reward program when applicable taxes

have been charged to the card. Full fare is also extended to include free hotel

stays obtained through the redemption of points from the card reward program.

Insured Person - means a cardmember, a cardmember’s spouse, and a

cardmember’s dependent children, whether travelling together or not.

Occurrence - a loss or losses arising from a single event or incident which is

neither expected nor intended by an insured person.

Outbound - any ight that is away from an insured person’s place of residence

or any ight that is not a return ight that will be landing at the insured person’s

place of residence.

Reasonable Living Expenses - an insured person’s, reasonable expenses for

meals and accommodation as determined by us.

Spouse - the person who is legally married to, the cardmember, or has been

living in a conjugal relationship with the cardmember for a continuous period

of at least one year and who resides in the same household.

Sundry Items - means items such as toiletries, a magazine, a paperback book

and other reasonable small item purchases as determined by us.

We, us and our - refer to Royal & Sun Alliance Insurance Company of Canada

(the Insurer) or Global Excel Management Inc., its authorized claims and

assistance provider, as applicable.

You, yourself and your - refer to the insured person.

WHEN DOES COVERAGE BEGIN AND END?

Coverage begins for an insured person;

For Coverage A, B, and C - when the full fare of the insured person’s airline

ticket is charged in advance to the cardmember’s card.

For Coverage D - when the cost of the insured person’s hotel room is reserved,

booked and charged to the cardmember’s card.

Coverage ends on the earliest of:

1. when you return to your place of residence;

2. the date the cardmember’s card account is cancelled;

3. the date the cardmember’s card privileges are terminated;

4. the date the cardmember’s card account is no longer in good standing

as per the cardmember’s Cardmember Agreement issued by Amex

Bank of Canada;

5. the date the group insurance policy terminates.

WHAT IS COVERED AND WHAT ARE THE BENEFITS?

Coverage A - Missed Connection

If due to the delay of the insured person’s incoming ight, the insured person

misses a conrmed onward connecting ight and no alternative onward

transportation is made available within four (4) hours of deplaning, we will pay

the insured person’s necessary and reasonable living expenses incurred within

forty-eight (48) hours of deplaning and other sundry items.

Coverage B - Delayed Flight Departure or Denied Boarding

If the insured person’s conrmed scheduled departure from any airport is

delayed for four (4) hours or more, or the insured person is denied boarding

of the aircraft due to overbooking and no alternative transportation is made

available to the insured person within four (4) hours of the scheduled departure

time of the original ight, we will pay the insured person’s necessary and

reasonable living expenses incurred within forty-eight (48) hours of the delay

or denied boarding and other sundry items.

Coverage C - Emergency Baggage Delay

If the insured person’s accompanying checked-in baggage is not delivered

to them within six (6) hours of the insured person’s arrival at the outbound

scheduled ight destination point, we will pay for the insured person’s

immediate reasonable and necessary expenses incurred on a daily basis

with respect to emergency purchases of essential clothing and other sundry

items, provided such expenses are incurred within four (4) days of the insured

person’s arrival at the outbound scheduled destination point and prior to the

return of such baggage.

The maximum aggregate limit payable under Coverage A, B, or C in

respect of any one occurrence is $500.00.

Coverage D - Hotel Burglary

If the insured person suffers a loss due to burglary into their hotel room while

registered as a guest of a hotel, we will reimburse the insured person for the loss

of personal items (excluding cash) upon receipt of due proof of loss.

The maximum payable under Coverage D is $500.00 per burglary occurrence.

GENERAL EXCLUSIONS

This insurance does not cover any loss, claim or expense of any kind caused

directly or indirectly from:

1. Alternate travel arrangements made by the insured person such as a

taxi, limo, bus or the purchase of an airline ticket;

2. Emergency Baggage Delay as a result of a ight that is returning to an

insured person’s place of residence;

3. Failure of any device to correctly read or interpret date/time data;

4. Any illegal activity, fraud, criminal activity, committed by or

attempted by an insured person;

5. Any act of war, whether declared or undeclared, hostile or warlike

action, insurrection, rebellion, revolution, civil war, usurped power,

or action taken by government or public authority in hindering,

combating or defending against such action;

6. Terrorism, meaning any ideologically motivated unlawful act or acts,

including but not limited to the use of violence or force or threat

of violence or force, committed by or on behalf of any group(s),

organization(s) or government(s) for the purpose of inuencing

any government and/or instilling fear in the public or a section of

the public;

7. Nuclear reaction, nuclear radiation, or radioactive contamination, any

weapon of war employing atomic ssion or a radioactive force.

HOW DO YOU SUBMIT A CLAIM?

1. You must le your claim with us within 30 days after the occurrence.

2. If you need a Claim & Authorization form, please contact our Claims

Department at:

73 Queen Street, Sherbrooke, Quebec, J1M 0C9

905-816-2567 or 1-866-426-7496

3. When submitting a claim, the following documentation is required:

For Coverages A & B:

• Itemized original receipts for actual expenses incurred.

• A copy of the travel agent’s invoice/itinerary, and a copy of the

account statement in which the full fare expense appears, showing the

card as the method of payment or showing it as a free ticket obtained

through the redemption of points from the card reward program.

• Alternate boarding pass or ight delay report from airline.

For Coverage C:

• Itemized original receipts for actual expenses incurred.

• A copy of the travel agent’s invoice/itinerary, and a copy of the

account statement in which the full fare expense appears, showing the

card as the method of payment or showing it as a free ticket obtained

through the redemption of points from the card reward program.

• Verication from the airline of the delay including reason, duration of

delay, and any compensation issued.

• Proof of delivery conrming date/time baggage was delivered.

For Coverage D:

• Invoice issued by hotel.

• A copy of the account statement in which the full cost of the hotel

appears, showing the card as the method of payment.

• Police report conrming forced entry and a hotel burglary report.

• Receipts for repaired or replaced items.

FAILURE TO COMPLETE THE REQUIRED CLAIM &

AUTHORIZATION FORM IN FULL WILL DELAY THE ASSESSMENT

OF YOUR CLAIM.

WHAT OTHER TERMS SHOULD YOU KNOW ABOUT?

This Certicate of Insurance evidences the agreement between you and us.

Despite any other provision of this agreement; this agreement is subject to any

applicable federal and provincial statutes concerning contracts of insurance.

This coverage may be cancelled, changed or modied at our option or at the

option of Amex Bank of Canada at any time without notice. This Certicate of

Insurance replaces any and all certicates previously issued to the cardmember

with respect to group insurance policy PSI047258505.

1. In case of an occurrence or loss covered by this Certicate of Insurance

the insured person must comply with the following requirements.

Failure by the insured person to comply with these conditions shall

invalidate any claims under this Certicate of Insurance.

a. Notify us as provided above;

b. In the case of Coverage D take all reasonable steps to protect,

save or recover the property;

c. In the case of Coverage D, promptly notify either the police or

other proper authority. Police report and ofcial letter from hotel

must be received in writing (copy of such is necessary to validate

the claims);

d. Provide, within ninety (90) days from the date of loss or damage,

the documents specied under “How do you submit a claim?”

2. This coverage is excess insurance and we are the last payors. All other

sources of recovery, indemnity payments or insurance coverage must

be exhausted before any payments will be made under this coverage.

3. If you are eligible, from any other insurer, for benets similar to the

benets provided under this insurance, the total benets paid to you by

all insurers cannot exceed the actual expense that you have incurred. We

will coordinate the payment of benets with all insurers from whom you

are eligible for benets similar to those provided under this insurance, to

a maximum of the largest amount specied by each insurer.

4. If you incur expenses covered under this insurance due to the fault of a

third party, we may take action against the party at fault. You agree to

cooperate fully with us and to allow us, at our own expense, to bring

a law suit in your name against the third party. If you recover against

a third party, you agree to hold in trust sufcient funds to reimburse us

for the amounts paid under the insurance.

5. Any information that has been misrepresented, or misstated to us by

you or is incomplete may result in this Certicate of Insurance and your

coverage being null and void, in which case no benets will be paid.

6. Any claim for a loss covered under this Certicate of Insurance will

be adjusted and paid when satisfactory proof of the loss is provided.

Any claim for lost property covered under this Certicate of Insurance

will be adjusted and paid if the property is not found within fourteen

(14) days. The insured person must give proof of loss and values of

the items lost to us. All benets will be paid to the insured person.

7. We will not pay more than the lesser of the following amounts:

a. The actual replacement value of the property, at the time of loss

or damage;

b. The amount for which the property could be replaced with

property of like kind and quality if an identical replacement

cannot reasonably be obtained;

c. The amount for which the property could be repaired to its

condition prior to the damage;

d. The maximum benet applicable for each coverage under this

Certicate of Insurance.

8. All payments shall be payable in the lawful currency of Canada. All

benet limits indicated are in Canadian currency. This insurance will

not pay for any interest or any uctuations in the exchange rate.

9. No legal action for a claim can be brought against us more than one

(1) year after the time for giving proof of loss, or such longer period

as may be prescribed by law.

At your option, you may request that any dispute with us relating to this

insurance be decided by arbitration. If we agree with your request, the

arbitration will be before a single arbitrator in, and under the rules embodied in

the arbitration legislation of, the Canadian province or territory in which this

insurance was issued to the cardmember. In the absence of such legislation,

the arbitration will be conducted under the rules embodied in the Commercial

Arbitration Act, R.S.C. 1985, C.17 (second supp.), as amended.

10. This policy contains a provision removing or restricting the right

of the group person insured to designate persons to whom or for

whose benet insurance money is to be payable.

11. On reasonable notice you or a claimant under the contract will be

provided with a copy of the group contract (applicable only in those

provinces where mandated by legislation and subject to certain access

limitations permitted by applicable legislation).

12. Every action or proceeding against an insurer for the recovery of

insurance money payable under the contract is absolutely barred

unless commenced within the time set out in the Insurance Act (for

actions or proceedings governed by the laws of British Columbia,

Alberta and Manitoba), the Limitations Act, 2002 (for actions or

proceedings governed by the laws of Ontario), Article 2925 of the

Civil Code of Quebec (for actions or proceedings governed by the

laws of Quebec), or other applicable legislation.

13. The Insurer shall not provide any coverage or be liable to provide

any indemnity or payment or other benet under this Certicate of

Insurance which would breach economic, nancial, or trade sanctions

imposed under the laws of Canada, the European Union, the United

Kingdom, or any other applicable jurisdiction.

IMPORTANT NOTICE ABOUT YOUR PERSONAL INFORMATION

Royal & Sun Alliance Insurance Company of Canada is committed to protecting

your privacy and the condentiality of your personal information. We will

collect, use and disclose personal information for the purposes identied in our

online at www.rsagroup.ca or request a copy by calling 1-888-877-1710.

2820

This insurance product is underwritten by Royal & Sun Alliance Insurance Company of Canada.

RSA, RSA & Design and related

words and logos are trademarks and the property of RSA Insurance Group plc, licensed for use by Royal & Sun

Alliance Insurance Company of Canada.

“Global Excel’’ and the Global Excel logo are registered trademarks of Global Excel Management Inc.

Used by Amex Bank of Canada under license from American Express.

LOST OR STOLEN BAGGAGE

INSURANCE

Effective Date of this Certicate:

October 8, 2021.

INTRODUCTION

Lost or Stolen Baggage Insurance for AMEX Cardmembers and insured

persons.

Amex Bank of Canada has been issued group insurance policy PSI047258521

for Lost or Stolen Baggage Insurance coverage by Royal & Sun Alliance

Insurance Company of Canada (the “Insurer”). This Certicate of Insurance

summarizes the provisions of the group insurance policy applicable to your

AMEX card for Lost or Stolen Baggage Insurance.

All italicized terms have the specic meaning explained in the “Denitions”

section of this Certicate of Insurance.

WHAT TO DO IN AN EMERGENCY?

If you have an emergency, you can call Global Excel Management Inc. (Global

Excel). Global Excel can be contacted 24 hours a day, 7 days a week by calling:

1-866-426-7505 toll-free from the US & Canada, or

(905) 816-1884 collect from anywhere in the world

DEFINITIONS

Throughout this Certicate of Insurance, all italicized terms have the

specic meaning explained below.

Card - means an American Express

Business Gold Rewards Card.

Cardmember - means a holder of a valid Basic or Supplementary card from

American Express issued in Canada by Amex Bank of Canada who pays for the

full fare using the valid Amex Bank of Canada card.

Dependent Children - means any natural child, any legally adopted child, any

stepchild of or any child dependent upon the cardmember in a “parent-child”

relationship for maintenance and support who is:

a) Under the age of 21 years and unmarried;

b) Under the age of 25 years and unmarried and in full time attendance at a

college or university; or

c) By reason of mental or physical inrmity, incapable of self-sustaining

employment and totally dependent upon the cardmember for support

within the terms of the Income Tax Act (Canada).

Full Fare - means 100% of the airline ticket price, including taxes, was charged

to the card. Full fare is extended to include airline tickets obtained through

the redemption of points from the card reward program when applicable taxes

have been charged to the card.

Insured Person - means a cardmember, a cardmember’s spouse, and a

cardmember’s dependent children, whether travelling together or not.

Occurrence - a loss or losses arising from a single event or incident which is

neither expected nor intended by an insured person.

Spouse - the person who is legally married to, the cardmember, or has been

living in a conjugal relationship with the cardmember for a continuous period

of at least one year and who resides in the same household.

We, us and our - refer to Royal & Sun Alliance Insurance Company of Canada

(the Insurer) or Global Excel Management Inc., its authorized claims and

assistance provider, as applicable.

You, yourself and your - refer to the insured person.

WHEN DOES COVERAGE BEGIN AND END?

Coverage begins when the baggage has been checked-in and is in the care,

custody and control of a scheduled airline or charter airline, and for carry on

baggage when the insured person boards the aircraft, provided that the full fare

of the airline ticket is charged in advance to the cardmember’s card.

Coverage ends on the earliest of:

1. when such checked-in baggage has been unloaded and placed in the

airport terminal’s baggage pick-up area for retrieval by the insured

person and for carry on baggage when the insured person leaves the

aircraft;

2. the date the cardmember’s card account is cancelled;

3. the date the cardmember’s card privileges are terminated;

4. the date the cardmember’s card account is no longer in good standing

as per the cardmember’s Cardmember Agreement issued by Amex

Bank of Canada;

5. the date the group insurance policy terminates.

WHAT IS COVERED AND WHAT ARE THE BENEFITS?

We will pay the insured person for loss or damage to owned or borrowed

baggage and personal effects used for the personal use of the insured person

while in transit as checked-in baggage or carried on board a chartered ight

supplied by a scheduled airline, or by a charter airline if such ight operates on

a regular published schedule, when the full fare is paid with the card.

The maximum payable for any one occurrence is up to $500 for all insured

persons combined.

Of the $500 limit of coverage, jewellery is limited to no more than $300 per

occurrence and no more than $250 per occurrence will apply to golf clubs,

including golf bags.

GENERAL EXCLUSIONS

This insurance does not cover any loss, claim or expense of any kind caused

directly or indirectly from:

1. Loss or damage to contact lenses, eyeglasses, sunglasses, articial

teeth and limbs, any device used to record images and/or sound and

its equipment and accessories, including but not limited to cameras

and camera equipment and accessories, any electronics including but

not limited to laptops, ipods, MP3 players and cell phones, sports

equipment (except golf clubs and golf bags; skis, ski poles and ski

boots; and racquets), statuary, paintings, china or glass objects,

objects of art or antiques, household effects and items pertaining to

business, perishable items, animals and furs;

2. Cash, securities, bullion, negotiable property, tickets and valuable

papers and documents;

3. Any illegal activity, fraud, or criminal activity, committed by or

attempted by an insured person;

4. Loss or damage as a result of any act of war, whether declared or

undeclared, hostile or war like action, insurrection, rebellion, revolution,

civil war, usurped power, or action taken by government or public

authority in hindering, combating or defending against such action;

5. Loss or damage as a result of terrorism, meaning any ideologically

motivated unlawful act or acts, including but not limited to the use

of violence or force or threat of violence or force, committed by or

on behalf of any group(s), organization(s) or government(s) for the

purpose of inuencing any government and/or instilling fear in the

public or a section of the public;

6. Loss or damage as a result of nuclear reaction, nuclear radiation, or

radioactive contamination, any weapon of war employing atomic

ssion or a radioactive force.

HOW DO YOU SUBMIT A CLAIM?

1. You must le your claim with us within 30 days after the occurrence.

2. If you need a Claim & Authorization form, please contact our Claims

Department at:

73 Queen Street, Sherbrooke, Quebec, J1M 0C9

905-816-2567 or 1-866-426-7496

When submitting a claim, the following documentation is required (as applicable):

• A copy of the invoice/itinerary, and copy of the account statement

in which the full fare expense appears, showing the card as the

method of payment or showing it as a free ticket obtained through the

redemption of points from the card reward program.

• A copy of the lost or damaged baggage report led with the airline

which includes the completed claim form itemizing the baggage’s

contents.

• Proof of settlement from the insured person’s personal insurance

company;

• Proof of settlement from the airline company.

• Estimate of repair (for damaged baggage/contents). If not repairable,

a note from the repair facility stating same.

• Itemized original receipts for replacement items (if not repairable).

FAILURE TO COMPLETE THE REQUIRED CLAIM & AUTHORIZATION

FORM IN FULL WILL DELAY THE ASSESSMENT OF YOUR CLAIM.

WHAT OTHER TERMS SHOULD YOU KNOW ABOUT?

This Certicate of Insurance evidences the agreement between you and us.

Despite any other provision of this agreement; this agreement is subject to any

applicable federal and provincial statutes concerning contracts of insurance.

This coverage may be cancelled, changed or modied at our option or at the

option of Amex Bank of Canada at any time without notice. This Certicate of

Insurance replaces any and all certicates previously issued to the cardmember

with respect to group insurance policy PSI047258521.

1. This coverage is excess insurance and we are the last payors. All other

sources of recovery, indemnity payments or insurance coverage must

be exhausted before any payments will be made under this coverage.

2. If you are eligible, from any other insurer, for benets similar to the

benets provided under this insurance, the total benets paid to you by

all insurers cannot exceed the actual expense that you have incurred.

We will coordinate the payment of benets with all insurers from

whom you are eligible for benets similar to those provided under

this insurance, to a maximum of the largest amount specied by each

insurer.

3. If you incur expenses covered under this insurance due to the fault of a

third party, we may take action against the party at fault. You agree to

cooperate fully with us and to allow us, at our own expense, to bring

a law suit in your name against the third party. If you recover against

a third party, you agree to hold in trust sufcient funds to reimburse us

for the amounts paid under the insurance.

4. Any information that has been misrepresented, or misstated to us by

you or is incomplete may result in this Certicate of Insurance and your

coverage being null and void, in which case no benets will be paid.

5. Any claim for loss or damage covered under this Certicate of Insurance

will be adjusted and paid when satisfactory proof of the loss or damage

is provided to us. You must give proof of loss and values of the items

lost or damaged to us. All benets will be paid to the insured person.

6. We will not pay more than the lesser of the following amounts:

a. The actual replacement cost of the property at the time of loss or

damage;

b. The amount for which the property could be replaced with

property of like kind and quality if an identical replacement

cannot reasonably be obtained;

c. The actual cash value of the item at the time of loss should it not

be replaced;

d. The amount for which the property could be repaired to its

condition prior to the damage;

e. The maximum benet applicable under this Certicate of

Insurance.

7. All payments shall be payable in the lawful currency of Canada. All

benet limits indicated are in Canadian currency. This insurance will

not pay for any interest or any uctuations in the exchange rate.

8. No legal action for a claim can be brought against us more than one

(1) year after the time for giving proof of loss, or such longer period

as may be prescribed by law.

At your option, you may request that any dispute with us relating to this

insurance be decided by arbitration. If we agree with your request, the

arbitration will be before a single arbitrator in, and under the rules embodied in

the arbitration legislation of, the Canadian province or territory in which this

insurance was issued to the cardmember. In the absence of such legislation,

the arbitration will be conducted under the rules embodied in the Commercial

Arbitration Act, R.S.C. 1985, C.17 (second supp.), as amended.

9. On reasonable notice you or a claimant under the contract will be

provided with a copy of the group contract (applicable only in those

provinces where mandated by legislation and subject to certain access

limitations permitted by applicable legislation).

10. Every action or proceeding against an insurer for the recovery of

insurance money payable under the contract is absolutely barred

unless commenced within the time set out in the Insurance Act (for

actions or proceedings governed by the laws of British Columbia,

Alberta and Manitoba), the Limitations Act, 2002 (for actions or

proceedings governed by the laws of Ontario), Article 2925 of the

Civil Code of Quebec (for actions or proceedings governed by the

laws of Quebec), or other applicable legislation.

11. The Insurer shall not provide any coverage or be liable to provide

any indemnity or payment or other benet under this Certicate of

Insurance which would breach economic, nancial, or trade sanctions

imposed under the laws of Canada, the European Union, the United

Kingdom, or any other applicable jurisdiction.

IMPORTANT NOTICE ABOUT YOUR PERSONAL INFORMATION

Royal & Sun Alliance Insurance Company of Canada is committed to protecting

your privacy and the condentiality of your personal information. We will

collect, use and disclose personal information for the purposes identied in our

online at www.rsagroup.ca or request a copy by calling 1-888-877-1710.

2826

This insurance product is underwritten by Royal & Sun Alliance Insurance Company of Canada.

RSA, RSA & Design and related

words and logos are trademarks and the property of RSA Insurance Group plc, licensed for use by Royal & Sun

Alliance Insurance Company of Canada.

“Global Excel’’ and the Global Excel logo are registered trademarks of Global Excel Management Inc.

Used by Amex Bank of Canada under license from American Express.

$100,000

TRAVEL ACCIDENT INSURANCE

Chubb Life Insurance Company of Canada

Head Ofce in Canada: Toronto, Ontario

(Herein called the Company)

Effective Date of this Certicate:

October 1, 2016

COVERED PERSONS

An individual shall qualify as a Covered Person under the Master Group Policy

TMH600135 (“the Policy”) with the benets described in this certicate only

if he or she is:

A. a Basic or Supplementary Cardmember who has an American Express

Business Gold Rewards Card issued by Amex Bank of Canada

(“American Express”) in his or her name; or

B. the Spouse or dependent child under age 23 of such person; and

C. the American Express Card account is billed in Canada.

IMPORTANT DEFINITIONS

For purposes of the Policy, “American Express Card” unless otherwise

specied means any of the Cards or Accounts listed in Category A above.

“Basic Cardmember” means any individual who has asked the Policyholder

to issue one or more American Express Cards and who has an American

Express Card account.

“Common Carrier Conveyance” means an air, land or water vehicle (other

than a rental vehicle) operated by a common carrier licensed to carry passengers

for hire and available to the public.

“Covered Trip” means:

1. a trip taken by the Covered Person between the point of departure and the

nal destination as shown on the Covered Person’s ticket or verication

issued by the Common Carrier Conveyance, and

2. the Covered Person’s fare for such trip has been charged to an American

Express Card prior to any Injury.

“Injury” means a bodily injury which:

1. is caused by an accident which occurs while the Covered Person’s

insurance is in force under the Policy; and

2. results in Loss insured by the Policy and due, directly and independently

of all other causes, to such accident.

“Scheduled Airline” means an airline maintaining regular published schedules

(or recognized by the Company as meeting similar criteria) which is licensed

for the transportation of passengers by the duly constituted authority having

jurisdiction over civil aviation in the country of its registry. In no event shall

the term “Scheduled Airline” include any air carrier designated or licensed by

the governmental authority having jurisdiction over civil aviation as being a

Supplemental, Non-Certicated, Irregular or Non-Scheduled air carrier.

“Spouse” means a person who is legally married to the Covered Person

(“Married Spouse”) or a person who has been living in a conjugal relationship

with the Covered Person for the last 12 months, has been publicly represented

as the Covered Person’s partner and who resides in the same household as the

Covered Person (“Cohabiting Spouse”).

“Supplementary Cardmember” means any individual who has received

an American Express Card at the request of a Basic Cardmember for use in

connection with the Basic Cardmember’s American Express Card account.

BENEFIT AMOUNTS

LOSS OF LIFE $100,000

DISMEMBERMENT

Loss of both hands or both feet $100,000

Loss of one hand and one foot $100,000

Loss of the entire sight of both eyes $100,000

Loss of the entire sight of one eye and one hand or one foot $100,000

Loss of one hand or one foot $50,000

Loss of the entire sight of one eye $50,000

The Company will pay the applicable benet amount above if a Covered Person

suffers a Loss from an Injury while coverage is in force under the Policy, but

only if such Loss occurs within 100 days after the date of the accident which

caused the Injury. In no event will the Company pay for more than one Loss

sustained by the Covered Person as a result of any one accident. The benet

amount paid will be for the greatest Loss.

“Loss” as used above with reference to a hand or foot means complete and

permanent severance through or above the wrist or ankle joint, and as used with

reference to an eye means the irrecoverable loss of the entire sight of such eye.

$100,000 MAXIMUM INDEMNITY PER COVERED PERSON

In no event will multiple American Express Cards obligate the Company

under the Policy in excess of the highest amount payable under one American

Express Card, as stated in “Benet Amounts”, for any one Loss sustained by

any one individual Covered Person as a result of any one accident.

DESCRIPTION OF BENEFITS

Common Carrier Benet:

A benet is payable under the Policy if the Covered Person sustains Injury as

a result of an accident which occurs while riding solely as a passenger in or

boarding or alighting from a Common Carrier Conveyance or being struck by

such Common Carrier Conveyance on a Covered Trip.

Alternate Transportation Benet:

A benet is payable under the Policy if the Covered Person sustains Injury as

a result of:

1. an accident which occurs on a Covered Trip while riding as a passenger

in or boarding or alighting from any conveyance providing alternate

transportation for a Scheduled Airline ight which was delayed or

rerouted, requiring the carrier which would have operated the ight to

arrange for such alternate transportation; or

2. being struck by a conveyance providing alternate transportation for a

Scheduled Airline ight.

EXPOSURE AND DISAPPERANCE

If the Covered Person is unavoidably exposed to the elements because of an

accident on a Covered Trip which results in the disappearance, sinking or

wrecking of a Common Carrier Conveyance, and if as a result of such exposure

the Covered Person suffers a Loss for which benets are otherwise payable

under the Policy, such Loss will be covered under the Policy.

If the Covered Person disappears because of an accident on a Covered Trip

which results in the disappearance, sinking or wrecking of a Common Carrier

Conveyance, and if the Covered Person’s body has not been found within 52

weeks after the date of such accident, it will be presumed, provided there is

no evidence to the contrary, that the Covered Person suffered Loss of life as a

result of Injury covered by the Policy.

EXCLUSIONS

The Policy does not cover any Loss caused or contributed to by (1) suicide

or intentionally self-inicted Injury by the Covered Person, or any attempt

thereat, while sane or insane; (2) war or any act of war, whether declared or

undeclared; however, any act committed by an agent of any government, party

or faction engaged in war, hostilities or other warlike operations provided such

agent is acting secretly and not in connection with any operation of armed

forces (whether military, naval or air forces) in the country where the Injury

occurs shall not be deemed an act of war; (3) the commission or aiding and

abetting in the commission of an offense under the Criminal Code of Canada

or the laws of another country, or any attempt thereat, by or on behalf of the

Covered Person or his or her beneciaries; (4) Injury sustained while serving

as an operator or crew member of any conveyance; (5) Injury received while

driving, riding as a passenger in, boarding or alighting from a rental vehicle;

(6) the Covered Person taking any alcohol, drug, medication, gas or poison

unless taken as prescribed by a physician; (7) directly or indirectly, the actual,

alleged or threatened discharge, dispersal, seepage, migration, escape, release

of or exposure to any hazardous biological, chemical, nuclear or radioactive

material, gas, matter or contamination.

INDIVIDUAL TERMINATION

The insurance of any Covered Person will terminate: (1) on the date the Policy

terminates; or (2) on the date the person ceases to be a Covered Person under

the Policy.

CLAIMS

Written notice of claim must be given to Chubb Life Insurance Company of

Canada, 199 Bay Street - Suite 2500 P.O. Box 139, Commerce Court Postal

Station Toronto, Ontario M5L 1E2 within 30 days after the occurrence of any

Loss covered by the Policy, or as soon thereafter as is reasonably possible.

Notice given by or on behalf of the claimant with information sufcient to

identify the Covered Person shall be deemed notice to the Company. The

benet payable for any Loss will be paid upon receipt of due written proof of

such Loss.

PAYMENT OF CLAIMS

Benets for all Losses sustained by a Covered Person will be paid to the

Covered Person, if living, and otherwise to the surviving person, or equally

to the surviving persons, in the rst of the following classes of beneciaries in

which there is a living member:

a. the Covered Person’s Spouse. If there is more than one Spouse, “Spouse”

shall mean the Cohabiting Spouse at the time of the Covered Person’s

Loss;

b. the Covered Person’s children including legally adopted children

provided that if the Covered Person has any surviving grandchildren by

a Covered Person’s child that has not survived the Covered Person, such

grandchildren will share equally the share that would have been paid to

their parent had he/she survived the Covered Person;

c. the Covered Person’s estate.

This policy contains a provision removing or restricting the right of the

group person insured to designate persons to whom or for whose benet

insurance money is to be payable.

In determining such person or persons, the Company may rely upon an

afdavit by a member of any of the classes of beneciaries described above.

Payment based upon any such afdavit shall fully discharge the Company

from all obligations under the Policy unless, before such payment is made, the

Company has received at the address specied above written notice of a valid

claim by some other person(s). Any amount payable to a minor may be paid to

the minor’s legal guardian.

GENERAL PROVISIONS

You and any claimant under the Group Policy have the right to obtain a copy

of your application, any written evidence of insurability (as applicable) and the

Group Policy, on request.

Every action or proceeding against an insurer for the recovery of insurance

money payable under the contract is absolutely barred unless commenced

within the time set out in the Insurance Act, Limitations Act, 2002, or in other

applicable legislation.

The benets described herein are subject to all of the Terms and Conditions of the

Group Policy which is held by Amex Bank of Canada and may be examined at

the ofce of the Policyholder. This Certicate replaces any prior Certicate which

may have been furnished in connection with the Policy. Further information

about the Policy may be obtained by calling 1-877-777-1544.

PROTECTING YOUR PERSONAL INFORMATION

At Chubb, We are committed to protecting Our customers’ privacy. Chubb’s

policy is to limit access to customer information to those who need it to serve

customers’ insurance needs and to maintain and improve customer service.

The information provided by customers is required by us, Our reinsurers

and authorized administrators to assess customers’ entitlement to benets,

including but not limited to determining if coverage is in effect, investigating

the applicability of exclusions and co-ordinating coverage with other insurers.

For these purposes, We, Our reinsurers and authorized administrators consult

existing insurance les about customers, collect additional information about

and from customers, and where required, collect information from and exchange

information with, third parties. We do not disclose customer information to

third parties other than Our agents and brokers, except as necessary to conduct

business, e.g., processing claims or as required by law. We advise customers that,

in some instances, employees, service providers, agents, reinsurers, and any of

their providers, of Chubb may be located in jurisdictions outside Canada and that

customers’ personal information may thus be subject to the laws of those foreign

jurisdictions.

The Privacy Ofcer; Chubb Insurance Company of Canada, 199 Bay Street, 25th

Floor, Toronto, Ontario, M5L 1E2. For more information on privacy at Chubb,

visit Chubb.com/ca

COMPLAINTS PROCEDURES

If an Insured has a complaint or inquiry about any aspect of this insurance

coverage, please call 1-877-534-3655 between 8:00 a.m. and 8:00 p.m. (ET),

Monday to Friday.

If for some reason the Insured is not satised with the resolution to their complaint

or inquiry, the Insured may communicate their complaint or inquiry in writing to

Our complaints ofcer:

Chubb Insurance Company of Canada

199 Bay Street, Suite 2500

P.O. Box 139 Commerce Court Postal Station

Toronto, ON M5L 1E2

Email: [email protected]

If the Insured is still not satised with the resolution to their complaint or inquiry,

the Insured may communicate their complaint or inquiry in writing to:

OmbudService for Life & Health Insurance

20 Adelaide Street East, Suite 802, P.O. Box 29

Toronto, Ontario M5C 2T6

John Aleri

President, Chubb Life Insurance Company of Canada

2834

Used by Amex Bank of Canada under license from American Express.

CAR RENTAL THEFT

AND DAMAGE INSURANCE

Effective Date of this Certicate:

October 8, 2021.

INTRODUCTION

Royal & Sun Alliance Insurance Company of Canada (referred to in this

Certicate as the “Company”) provides the insurance for this Certicate

under Master Policy PSI018515861 (referred to in this Certicate as the

“Policy”) issued to Amex Bank of Canada (referred to in this Certicate as

the “Policyholder”). This Certicate is not a contract of insurance and contains

only a summary of the principal provisions of the Policy. A Cardmember or

a claimant under the Policy or Group Policy may, on request to the Company,

obtain a copy of the Policy or Group Policy, subject to certain access limitations

permitted by applicable law. All benets are subject in every respect to the

Policy which alone constitutes the Agreement under which payments are

made. This coverage may be cancelled, changed or modied at the option of

the Company or the Policyholder at any time without notice. This Certicate

replaces any and all certicates previously issued to the Cardmember with

respect to the Policy.

This Certicate of insurance outlines what Car Rental Theft and Damage

Insurance is and what is covered along with the conditions under which

a payment will be made when a Cardmember rents and operates a Rental

Auto but does not accept the Collision Damage Waiver (CDW), Loss Damage

Waiver (LDW), or their equivalent offered by a Rental Agency. It also provides

instructions on how to make a claim. This Certicate should be kept in a safe

place and carried with the Cardmember when they travel.

The Cardmember should check with their personal automobile insurer

and the Rental Agency to ensure that they and all other drivers have

adequate third party liability, personal injury and damage to property

coverage. This Certicate only covers theft, loss or damage to the Rental

Auto as stipulated herein.

IMPORTANT - PLEASE READ THE ENTIRE CERTIFICATE

CAREFULLY:

A Rental Agency has no obligation to explain the Car Rental Theft and

Damage Insurance coverage to the Cardmember. It is important to note that a

Rental Agency may not classify vehicles, especially Mini-Vans, in the same

manner as the Company. The Cardmember should conrm with Royal &

Sun Alliance Insurance Company that their Rental Auto has coverage under

this Certicate. Conrmation of coverage under the Policy or any questions

concerning the details included herein, should be directed to the Company at

1-800-243-0198 (in Canada or the United States) or call collect 905-475-4822

(elsewhere in the world).

When the value of the Rental Auto, in its model year, is over the Manufacturer’s

Suggested Retail Price (MSRP) of eighty-ve thousand dollars ($85,000)

Canadian excluding all taxes, at the place the Rental Agreement is signed or

where the Rental Auto is picked up, no coverage will be provided under this

Certicate.

PART I DEFINITIONS

The terms set out below, wherever they appear in this Certicate, shall be

interpreted as follows:

“Actual Cash Value” means what the vehicle is worth on the date of the

theft, loss and damage and takes into account such things as depreciation and

obsolescence. In determining depreciation, the Company will consider the

condition of the Rental Auto immediately before the theft, loss and damage

occurred, the standard market resale value and normal life expectancy.

“Antique’’ means a vehicle over 20 years old or which has not been

manufactured for 10 years or more.

“Card” means an American Express

Business Gold Rewards Card.

“Cardmember’’ means a holder of a valid Basic or Supplementary Card from

American Express issued in Canada by Amex Bank of Canada who pays for the

rental(s) by using the valid Amex Bank of Canada Card.

“Coverage Period’’ means the period of time not to exceed more than forty-

eight (48) consecutive days, commencing at the time the Cardmember legally

takes control of the Rental Auto and ends at the time the Rental Agency

resumes control of the Rental Auto. If the Cardmember rents a vehicle for

longer than forty-eight (48) consecutive days, there will be no coverage under

this insurance, including the rst forty-eight (48) days. Coverage cannot be

extended for more than fortyeight (48) days by renewing or taking out a new

Rental Agreement with the same or another Rental Agency for the same or

another vehicle. A full calendar day between rentals must exist in order to break

the 48 consecutive day cycle.

“Eligible Person’’ means a Cardmember and Secondary Drivers, while

covered under this Certicate.

“Exotic’’ means any automobile which is not a standard Rental Auto offered

by most of the Rental Agencies in the province or state, or in a country without

provinces or states, where the vehicle was rented or is a vehicle totally or

partially custom made, hand made, hand nished or is a vehicle of limited

production (under 2,000 vehicles per year by the manufacturer). Exotic

automobiles include, but are not limited to the following models: Aston Martin,

Bentley, Bricklin, Daimler, De Lorean, Excalibur, Ferrari, Jaguar, Jensen,

Lamborghini, Lotus, Maserati, Porsche, Rolls Royce and limousines.

“Expensive’’ means any vehicle with, in its model year, a Manufacturer’s

Suggested Retail Price (MSRP) excluding all taxes, over eighty-ve thousand

dollars ($85,000) Canadian, at the place the Rental Agreement is signed or the

Rental Auto is picked up.

“Loss of Use” means the amount paid to a Rental Agency to compensate it

when a Rental Auto is unavailable for rental while undergoing repairs for

damage incurred during the Coverage Period.

“Mini-Van’’ means a vehicle which is designed and made by an automobile

manufacturer as a mini-van, which has a manufacturer’s list Gross Vehicle

Weight of not more than 5955 pounds or 2680 kilograms. It is exclusively

made to transport a maximum of eight (8) people including the driver. It is

used exclusively for transportation of passengers and their luggage and will

not be used by the Cardmember for transportation of passengers for hire. It

includes but is not limited to the following models: Ford Freestar, Chevrolet

Astro, GMC Safari, Dodge Caravan, Honda Odyssey, Toyota Sienna and

Nissan Quest.

“Gross Vehicle Weight” means the weight of the complete Mini-Van plus the

maximum load that it has been designed to carry.

“Off-Road Vehicle’’ means any vehicle while it is being operated on a road

not maintained by a federal, provincial, state, or local agency, not including an

ingress or egress to private property, or any vehicle which cannot be licensed

to drive on a public road and is designed and manufactured primarily for off-

road usage.

“Principal Driver’’ means the person (the principal driver must also be the

Cardmember) who drives the Rental Auto the majority of the time during

the Coverage Period.

“Secondary Drivers” means any drivers who are not the Principal Driver

of the Rental Auto who are permitted to operate the Rental Auto by the

Cardmember (the Principal Driver) and provided they are permitted to

operate the Rental Auto in accordance with the Rental Agreement, while

covered under this Certicate.

“Rental Agency’’ means an auto rental agency licensed under the law of the

applicable jurisdiction which provides a Rental Agreement.

“Rental Agreement’’ means the written contract between the Cardmember

and the Rental Agency for the Rental Auto.

“Rental Auto’’ means an automobile not rented in excess of the Coverage

Period from a Rental Agency, that is not an Antique, Expensive, or Exotic

automobile, nor a truck, Off-Road Vehicle, motorcycle, moped, recreational

vehicle, camper, trailer, nor a van, but certain Mini-Vans are covered.

“Tax-Free Car” means a tax-free car package that provides tourists with

a short-term (17 days to 6 months), tax-free vehicle lease agreement with a

guaranteed buyback.

PART II TERMS OF COVERAGE

A. WHEN COVERAGE BEGINS:

All coverage for eligible Cardmembers will take effect at the time the

Cardmember legally takes control of the Rental Auto.

B. WHEN COVERAGE ENDS:

A Cardmember’s coverage will end at the earliest of the following:

1. Rental Agency resumes control of the Rental Auto;

2. When a Cardmember is no longer dened as a Cardmember or

Principal Driver as stated in this Certicate;

3. The date on which the Policy is cancelled except that coverage in effect

at the time of such cancellation will be continued on outstanding rentals

until the Cardmember returns the Rental Auto to the Rental Agency,

provided the total rental period does not exceed the Coverage Period;

Please note that the Cardmember’s responsibility for the RentalAgreement

does not terminate by simply dropping off the keys at the Rental Agency or

other drop box. Any damages between that time and the time the Rental Agency

staff complete their Inspection Report will be held to the Cardmember’s

responsibility, so whenever possible the Cardmember should arrange to be

present when the Rental Agency conducts their nal inspection of the Rental

Auto.

PART III DESCRIPTION OF COVERAGE

The Car Rental Theft and Damage Insurance compensates the Cardmember

or a Rental Agency for theft, loss and damage, up to the Actual Cash Value

of the Rental Auto and valid Rental Agency Loss of Use charges when the

conditions described below are met. The following conditions must be satised

for coverage to be in effect:

1. A Cardmember must initiate and complete the entire rental transaction

with the same valid Card. The full cost, including applicable taxes, of

the rental, must be charged to their Card. Rental Autos which are part

of prepaid travel packages are also covered if the total package was paid

for using the Cardmember’s Card;

2. A Cardmember is covered if they receive a “free rental” as a result of a

promotion, where they have had to make previous vehicle rentals if each

such previous rental was entirely paid for with the Cardmember’s Card

and the applicable taxes for the “free rental” have been charged to the

Cardmember’s Card;

3. A Cardmember is covered if they receive a “free rental” day(s) as a

result of the Card reward program for the number of days of free rental

and the applicable taxes have been charged to their Card. If the free

rental day(s) are combined with rental days for which the Cardmember

must pay, the entire additional payment including taxes must be paid for

using their Card;

4. A Cardmember is covered if points earned under their Card reward

program are used to pay for the rentals and the applicable taxes have been

charged to their Card. However, if only a partial payment is paid using

the Card rewards program, the entire additional payment of that rental,

including any applicable taxes, must be paid for using their Card in order

to be covered;

5. Only a Cardmember can rent the vehicle and decline the Rental

Agency’s CDW, LDW or an equivalent coverage offering. Anyone other

than the Cardmember doing so would void coverage;

6. A Cardmember is covered for any car, sport utility vehicle, and

Mini-Van, in its model year, with a Manufacturer’s Suggested Retail

Price (MSRP) under eighty-ve thousand dollars ($85,000) Canadian,

excluding all taxes, at the place the Rental Agreement is signed or

where the Rental Auto is picked up, with the exception of those listed

and described in the exclusion section titled “The following vehicles are

excluded from coverage under this Certicate”;

7. A Cardmember is covered when only one Rental Auto is rented at a

time, i.e. if during the same period there is more than one vehicle rented

by the Cardmember, only the rst rental will be eligible for these

benets;

8. The Cardmember must decline the Rental Agency’s CDW, LDW or

similar coverage offered by the Rental Agency on the rental contract. If

there is no space on the vehicle rental contract for the Cardmember to

indicate that they have declined the coverage, then they should indicate

in writing on the contract “I decline the CDW provided by the Rental

Agency”;

9. The length of time the Cardmember rents the same vehicle must

not exceed 48 consecutive days, which includes instances where the

Cardmember is renting one vehicle immediately after the other. A

full calendar day between rentals must exist in order to break the 48

consecutive day cycle. If the rental period exceeds 48 consecutive days,

coverage will not be provided from the rst day of rental onwards;

10. The Cardmember and/or Eligible Person has not been indemnied for

damages or expenses covered under the Policy by or through personal

insurance.

When a Cardmember does not have the option available to decline the Rental

Agency’s CDW, LDW or similar provision, the Company will pay for covered

theft, loss and damage up to the limit of the deductible stipulated in the Rental

Agency’s CDW, LDW or similar provision, purchased by the Cardmember.

This shall not be construed to provide coverage where the Rental Agency is

responsible by legislation or law for any damage to the Rental Auto.

PART IV EXCLUSIONS

This Certicate does not cover losses to automobiles or other vehicles which are

not Rental Autos, or losses arising from, caused by, or which contributed to:

1. Third party liability;

2. Damages or expenses assumed, waived, or that may be paid by the

Rental Agency, or by its insurer pursuant to any direct compensation

agreement or other applicable sections of provincial insurance acts;

3. Personal injury or damage to property, except the Rental Auto itself or

its equipment;

4. Replacement vehicle for which an automobile insurance is covering all

or part of the cost of the rental;

5. The operation of the Rental Auto at any time during the Coverage

Period where an Eligible Person is driving while intoxicated or under

the inuence of any illegal or prescribed (if advised not to operate a

vehicle) narcotic;

6. Any dishonest, fraudulent or criminal act committed by any Eligible

Person or at their direction;

7. Participation in any race or speed test.

8. The use of a fuel type or octane level that differs from the manufacturer’s

recommended fuel for that Rental Auto;

9. Normal wear and tear, gradual deterioration, or mechanical or electrical

breakdown or failure, inherent vice or damage, insects or vermin;

10. The operation of the Rental Auto in violation of the terms of the Rental

Agreement except:

(a) Eligible Person as dened may operate the Rental Auto;

(b) The Rental Auto may be driven on publicly maintained gravel roads;

boundaries in Canada and the U.S. and between Canada and the U.S.

N.B. It must be noted that theft, loss and damage arising while the Rental

Auto is being operated under (a), (b) or (c) above is covered by this

insurance, subject however to all other terms, conditions and exclusions

contained in this Certicate. However, the Rental Agency’s third party

liability insurance may not be in force and, as such, a Cardmember must

ensure that they are adequately insured privately for third party liability.

11. Seizure or destruction under a quarantine or customs regulations or

conscation by order of any government or public authority; the damage

between the time of seizure, conscation or quarantine and the time the

Rental Agency staff complete their Inspection Report will be held to

be the Cardmember’s responsibility, so whenever possible they should

arrange to be present when the Rental Agency conducts their nal

inspection of the vehicle;

12. The transportation of contraband or illegal trade;

13. War, hostile or warlike action, insurrection, rebellion, revolution, civil

war, usurped power, or action taken by government or public authority in

hindering, combating or defending against such action;

14. The transportation of property or passengers for hire;

15. Nuclear reaction, nuclear radiation, or radioactive contamination, any

weapon of war employing atomic ssion or a radioactive force;

16. Intentional damage to the Rental Auto by an Eligible Person or at their

direction;

17. The loss, damage or misplacement of vehicle entry devices including

keys and remote control devices or any related consequential loss,

damage or expense.

The following vehicles are excluded from coverage under this Certicate:

1. Any vehicle, in its model year, with a Manufacturer’s Suggested Retail

Price (MSRP) over eighty-ve thousand dollars ($85,000) Canadian,

excluding all taxes, at the place the Rental Agreement is signed or

where the Rental Auto is picked up;

2. Vans, cargo vans or mini cargo vans (other than Mini-Vans);

3. Trucks, pick-up trucks or any vehicle that can be spontaneously

recongured into a pick-up truck;

4. Limousines;

5. Off-Road Vehicles;

6. Motorcycles, mopeds or motor bikes;

7. Trailers, campers, recreational vehicles or vehicles not licensed for road

use;

8. Vehicles towing or propelling trailers or any other object;

9. Mini-buses or buses;

10. Exotic vehicles, meaning vehicles such as but not limited to, Aston

Martin, Bentley, Bricklin, Daimler, De Lorean, Excalibur, Ferrari,

Jaguar, Jensen, Lamborghini, Lotus, Maserati, Porsche, Rolls Royce and

limousines;

11. Any vehicle which is either wholly or in part hand made, hand nished

or has a limited production of under 2,000 vehicles per year;

12. Antique vehicles, meaning a vehicle over twenty (20) years old or which

has not been manufactured for ten (10) years or more;

13. Tax-Free Cars.

PART V IN THE EVENT OF AN ACCIDENT/THEFT

All claims must be reported within 48 hours of the theft, loss and damage

occurring by calling 1-800-243-0198 (in Canada or the United States) or by

calling collect (905) 475-4822 (elsewhere in the world).

The Rental Auto must be carefully checked for scratches or dents before and

after the Cardmember rents the vehicle. They should be sure to point out

where the scratches or dents are located to a Rental Agency representative

and have him or her note these on the appropriate form and retain a copy for

their records.

If the Rental Auto has sustained damage of any kind during the Coverage

Period, the Cardmember must immediately phone one of the numbers

provided and must not sign a blank sales draft to cover the damage and Loss

of Use charges or a sales draft with an estimated cost of repair and Loss of

Use charges.

It is important to note that the Cardmember will remain responsible for the

theft, loss and damage and that they may be contacted in the future to answer

inquiries during the claim process.

If a Cardmember is making a claim, their claim must be submitted with

as much documentation as possible, as requested below, within 45 days of

discovering the theft, loss and damage.

The following claim documentation is required:

• Statement(s) if requested;

• Sales draft showing that the Rental Auto was paid in full with the Card,

or the sales draft showing the balance of charges for the rental if points

earned under the Card reward program were used to pay for part of the

rental;

• A copy of both sides of the vehicle Rental Agreement;

• The accident or damage report, if available;

• The itemized repair bill;

• The receipt for paid repairs;

• The police report, when available, and if a police report is not legally

required in the jurisdiction in which the accident occurred, then the

name, badge number and division address of the police ofcer contacted;

• A copy of the billing or pre-billing statement if any repair charges were

billed to the account.

Forward this documentation to:

Royal & Sun Alliance Insurance Company of Canada

Claims Management Services

2 Prologis Blvd., Suite 100

Mississauga, Ontario L5W 0G8

For all written and verbal correspondence, please include the Cardmember’s

name, the Policyholder’s name, and the Policy number PSI018515861.

LIMITATION PERIODS: Every action or proceeding against an insurer

for the recovery of insurance money payable under the contract is absolutely

barred unless commenced within the time set out in the Insurance Act (for

actions or proceedings governed by the laws of British Columbia, Alberta and

Manitoba), the Limitations Act, 2002 (for actions or proceedings governed by

the laws of Ontario), Article 2925 of the Civil Code of Quebec (for actions or

proceedings governed by the laws of Quebec), or other applicable legislation.

CANADIAN CURRENCY: All payments shall be payable in the lawful

currency of Canada. All benet limits indicated are in Canadian currency.

DISAGREEMENT OVER SIZE OF LOSS: If there is a disagreement about

the amount of the loss, either the Cardmember or the Company can make a

written demand for an appraisal. After the demand, the Cardmember selects

a competent appraiser and the Company selects a competent appraiser. After

examining the facts, each of the two appraisers will give an opinion on the

amount of the loss. If they do not agree, they will select an arbitrator. Any

gure agreed to by two of the three (the appraisers and the arbitrator) will be

binding. The Cardmember must pay the appraiser he or she chooses. The

Company will pay the appraiser they chose. The Cardmember will share with

the Company the cost of the arbitrator and the appraisal process.

SUBROGATION: To the extent the Company pays for a loss suffered by

a Cardmember, the Company will take over the rights and remedies the

Cardmember had relating to the loss. This is known as subrogation. The

Cardmember must help the Company preserve their rights against those

responsible for the Company’s loss. This may involve signing any papers and

taking any other steps the Company may reasonably require. If the Company

takes over a Cardmember’s rights, the Cardmember must sign an appropriate

subrogation form supplied by the Company.

SANCTIONS: The Insurer shall not provide any coverage or be liable to

provide any indemnity or payment or other benet under this Certicate of

Insurance which would breach economic, nancial, or trade sanctions imposed

under the laws of Canada, the European Union, the United Kingdom, or any

other applicable jurisdiction.

IMPORTANT NOTICE ABOUT YOUR PERSONAL INFORMATION

Royal & Sun Alliance Insurance Company of Canada is committed to protecting

your privacy and the condentiality of your personal information. We will

collect, use and disclose personal information for the purposes identied in our

online at www.rsagroup.ca or request a copy by calling 1-888-877-1710.

2838

This insurance product is underwritten by Royal & Sun Alliance Insurance Company of Canada.

RSA, RSA & Design and related

words and logos are trademarks and the property of RSA Insurance Group plc, licensed for use by Royal & Sun

Alliance Insurance Company of Canada.

Used by Amex Bank of Canada under license from American Express.

BUYER’S ASSURANCE

PROTECTION PLAN

Effective Date of this Certicate:

October 8, 2021.

Royal & Sun Alliance Insurance Company of Canada (referred to in this

Certicate as the “Company”) provides the insurance for this Certicate

under Master Policy PSI018966745 (referred to in this Certicate as the

“Policy”) issued to Amex Bank of Canada (referred to in this Certicate as

the “Policyholder”). A copy of the Master Policy is on le at Royal & Sun

Alliance Insurance Company of Canada, 18 York Street, Suite 800, Toronto,

ON, M5J 2T8.

This Certicate is not a contract of insurance and contains only a summary

of the principal provisions of the Policy. A Cardmember or a claimant under

the Policy or Group Policy may, on request to the Company, obtain a copy of

the Policy or Group Policy, subject to certain access limitations permitted by

applicable law. All benets are subject in every respect to the Policy which

alone constitutes the agreement under which payments are made.

The insurance provided under this Certicate is supplementary. This insurance

coverage is in excess of any other applicable, valid and collectible insurance

indemnity available to the Cardmember.

This Certicate of insurance outlines what the Buyer’s Assurance Protection

Plan is and what is covered along with the conditions under which a payment

will be made to a Cardmember. It also provides instructions on how to make

a claim.

For any questions concerning the details included herein and to conrm

the coverage provided under the Policy, please contact the Company at

1-800-243-0198 (in Canada or the United States) or call collect 905-475-4822

(elsewhere in the world).

PART I DEFINITIONS

The terms set out below, wherever they appear in this Certicate, shall be

interpreted as follows:

“Business Property” means tangible, movable property, purchased with the

Card and used for business purposes only.

“Card” means an American Express

Business Gold Rewards Card.

“Cardmember” means a holder of a valid Basic or Supplementary Card from

American Express issued in Canada by Amex Bank of Canada who pays for the

Item by using the valid Amex Bank of Canada Card.

“Item” means a new item (a pair or set being one item) of Business Property,

or gift, for which the full Purchase Price is charged to the Card.

“Manufacturer’s Warranty” means an expressly written warranty issued

by the manufacturer of the Item at the time of purchase. The manufacturer’s

warranty must be provided at no additional cost and be valid in Canada or the

United States.

“Occurrence” means a loss or losses arising from a single event or incident

which is neither expected nor intended by the Cardmember.

“Other Insurance” means any and all policies of insurance, contracts of

indemnity, service contracts or warranties which provide additional coverage

to a Cardmember for loss or damage covered under the Buyer’s Assurance

Protection Plan.

“Purchase Price” means the actual cost of the Item, including any applicable

sales tax, as shown on the store receipt.

PART II DESCRIPTION OF COVERAGE

When a Cardmember charges the entire Purchase Price of an Item to their

Card, the Buyer’s Assurance Protection Plan will extend the terms of the

original Manufacturer’s Warranty for a period of time equal to the duration

of the original Manufacturer’s Warranty (excluding any extended warranty

offered by the manufacturer or any other party), up to one additional year on

warranties of ve years or less that are eligible in Canada or in the United

States. Coverage is provided for product malfunction, defect or damage

covered by the terms of the Item’s original Manufacturer’s Warranty, at no

additional cost.

Coverage takes effect immediately following the expiry of the Item’s original

Manufacturer’s Warranty, up to a maximum of one full year.

The benets provided under the Buyer’s Assurance Protection Plan apply only

to the Cardmember. Only the Cardmember has any legal or equitable right,

remedy, or claim to benets under the Buyer’s Assurance Protection Plan.

PART III LIMITATIONS

1. Indemnication for loss is limited to a maximum of $10,000 per

Item (not to exceed $25,000 per Cardmember per policy year for all

Occurrences and for all Items combined) and is further subject to the

terms, conditions and exclusions set forth in this Certicate.

2. The insurance provided under this Certicate is supplementary. This

Certicate is not a substitute for Other Insurance which also insures

against direct physical damage, malfunction or defect. This Certicate

will indemnify the Cardmember only to the extent that direct physical

damage, malfunction or defect is not covered by such Other Insurance.

3. The total liability of the Company for any Item under this Certicate

shall not exceed the Purchase Price of that Item.

4. Claims for Items belonging to a pair or set will be covered for the full

Purchase Price of the pair or set providing the Items are not useable

individually and cannot be replaced individually.

5. Valid claims will be settled, at the Company’s sole option, either by

replacing, repairing or rebuilding the Item or by cash payment in an

amount not to exceed the Purchase Price, subject always to the limits of

liability of the Company hereunder.

PART IV ADDITIONAL TERMS, CONDITIONS, RESTRICTIONS

AND EXCLUSIONS

1. There shall be no coverage or entitlement to benets under this Certicate

for loss arising from the following:

a. Any physical damage, including damage as a direct result of

natural disaster or a power surge, except to the extent the original

Manufacturer’s Warranty covers such damage;

b. Occurrences caused by any of the following:

I. Fraud,

II. Abuse,

III. War or hostilities of any kind (e.g. Invasion, rebellion

insurrection),

IV. Conscation by order of any government, public authority, or

customs ofcial,

V. Risk of contraband,

VI. Illegal activity or acts,

VII. Radioactive contamination;

c. Negligence;

d. Improper installation or alteration;

e. Ancillary costs incurred in respect of an Item and not forming part of

the Purchase Price;

f. Inherent product defects;

g. Mechanical failure or product defects covered under product recall;

h. All Occurrences that take place outside the Buyer’s Assurance

Protection Plan coverage effective period.

2. There shall also be no coverage or entitlement to benets under this

Certicate for the following:

a. Products with Manufacturer’s Warranties not valid in Canada or

the United States;

b. Products which, at the time of purchase, are used, rebuilt, refurbished

or remanufactured, including demos;

c. Products covered by an unconditional satisfaction guarantee;

d. Motorized vehicles (such as cars, trucks, motorcycles, boats,

airplanes) and their parts (including batteries, carburetors, pipes,

hoses, pistons, brakes, tires, or mufers);

e. Motorized devices and their parts used for agriculture, landscaping,

demolition or construction;

f. Improvements or upgrades to a residential or commercial property,

including but not limited to permanently afxed goods. Business

xtures, including but not limited to air conditioners, refrigerators,

heaters;

g. Loss or damage to electrical appliances or devices of any kind

(including wiring) when loss or damage is due to electrical currents

articially generated, including arcing, unless re or explosion ensues

and then only for such loss and damage;

h. Land or buildings;

i. Jewellery;

j. Consumable or perishable items;

k. Animals or living plants;

l. One of a kind products which cannot be replaced;

m. Inventory, Items purchased for resale or Items that would form part

of a sellable product;

n. Sports equipment and goods where the loss or damage is due to the

use thereof;

o. Products with Manufacturer’s Warranties, or combined Manufacturer’s

Warranties and service plan agreements, lasting in excess of ve years;

p. The equipment Manufacturer’s Warranty is dened as the basic

coverage offered by the manufacturer at the time of purchase. Buyer’s

Assurance Protection Plan is not applicable to additional coverages

purchased from the manufacturer or another party.

PART V NOTICE OF LOSS/PROOF OF LOSS/PAYMENT

OF CLAIMS

The Cardmember must report their claim within 30 days from the date of

Occurrence. It is important to remember that the Cardmember must retain

all receipts and the original Manufacturer’s Warranty for the Item(s) until

the claim process is complete. The Cardmember may also be asked to obtain

a repair estimate.

1) To report an Occurrence, the Cardmember must call toll free

1-800-243-0198 (in Canada or the United States) or 905-475-4822

(elsewhere in the world).

2) To submit a claim, the following documentation is required:

a. the original sales receipt;

b. the corresponding Amex Bank of Canada account statement; and

c. the original Manufacturer’s Warranty.

3) The Company will decide whether to have the Item repaired, rebuilt or

replaced, or to reimburse the Cardmember (cash or credit) up to the

amount charged to the Card, and not to exceed the original Purchase

Price. Buyer’s Assurance Protection Plan does not reimburse for shipping

and handling expenses or installation, assembly, or other service charges.

4) The Cardmember must provide all requested documentation to the

Company within 60 days from the date of the Occurrence (or 30 days

after request by the Company) to remain eligible for benets.

5) For some claims, the Cardmember may be required to send in the

damaged Item, at their expense, for further evaluation of their claim. If

requested, the Cardmember must send in the damaged Item within 30

days from the date of request to remain eligible for benets.

APPRAISAL

In the event of disagreement as to the value of an Item, the property saved

or the amount of a loss, those questions shall be determined by appraisal as

provided under applicable provincial or territorial insurance legislation. There

shall be no right to an appraisal until a specic demand is made in writing and

until after proof of loss has been delivered.

PARTS

Except in the case of claims for Items belonging to a pair or set, in the case of

damage to, any part of an Item, consisting, when complete for use, of several

parts, the Company is not liable for more than the repair or replacement value

of the part damaged, including the cost of installation. Where parts of a pair

or set are usable individually, liability will be limited to payment equal to a

proportionate part of the Purchase Price for the Item or Items which form the

basis of a claim hereunder.

SUBROGATION

As a condition to the payment of any claim to a Cardmember under the

Policy, the Cardmember shall, upon request, transfer the damaged Item to the

Company and assign to the Company all legal rights which the Cardmember

has against all other parties for the loss. The Cardmember shall give the

Company all such assistance as the Company may reasonably require to secure

its rights and remedies, including the execution of all documents necessary to

enable the Company to bring suit in the name of the Cardmember.

DUE DILIGENCE

The Cardmember shall use diligence and do all things reasonable to avoid,

mitigate or diminish any loss of or damage to property protected by Buyer’s

Assurance Protection Plan. The Company will not unreasonably apply this

provision to avoid claims under the Policy.

FALSE CLAIM

If a Cardmember makes any claim knowing it to be false or fraudulent in

any respect, such Cardmember shall no longer be entitled to any benets

hereunder nor to the payment of any claim made under the Policy.

LIMITATION PERIODS

Every action or proceeding against an insurer for the recovery of insurance

money payable under the contract is absolutely barred unless commenced

within the time set out in the Insurance Act (for actions or proceedings governed

by the laws of British Columbia, Alberta and Manitoba), the Limitations Act,

2002 (for actions or proceedings governed by the laws of Ontario), Article

2925 of the Civil Code of Quebec (for actions or proceedings governed by the

laws of Quebec), or other applicable legislation.

SANCTIONS

The Insurer shall not provide any coverage or be liable to provide any

indemnity or payment or other benet under this Certicate of Insurance which

would breach economic, nancial, or trade sanctions imposed under the laws

of Canada, the European Union, the United Kingdom, or any other applicable

jurisdiction.

CANADIAN CURRENCY

All payments shall be payable in the lawful currency of Canada. All benet

limits indicated are in Canadian currency.

AMENDMENT

This coverage may be cancelled, changed or modied at the option of the

Policyholder at any time without notice. This Certicate replaces any and all

certicates previously issued to the Cardmember with respect to the Policy.

IMPORTANT NOTICE ABOUT YOUR PERSONAL INFORMATION

Royal & Sun Alliance Insurance Company of Canada is committed to protecting

your privacy and the condentiality of your personal information. We will

collect, use and disclose personal information for the purposes identied in our

online at www.rsagroup.ca or request a copy by calling 1-888-877-1710.

2856

This insurance product is underwritten by Royal & Sun Alliance Insurance Company of Canada.

RSA, RSA & Design and related

words and logos are trademarks and the property of RSA Insurance Group plc, licensed for use by Royal & Sun

Alliance Insurance Company of Canada.

Used by Amex Bank of Canada under license from American Express.

PURCHASE PROTECTION

PLAN

Effective Date of this Certicate:

October 8, 2021.

Royal & Sun Alliance Insurance Company of Canada (referred to in this

Certicate as the “Company”) provides the insurance for this Certicate

under Master Policy PSI018516570 (referred to in this Certicate as the