IMPORTANT: Please read these certificates carefully before you travel, keep them in a safe place and take them with you when you travel.

TABLE OF CONTENTS

Out of Province/Country Emergency Medical Insurance………………………………. 2

Trip Cancellation & Trip Interruption Insurance ……………………………………….. 16

Flight and Baggage Delay & Hotel Burglary Insurance ………………………………. 32

Lost or Stolen Baggage Insurance ……………………………………………………………. 40

Travel Accident Insurance ………………………………………………………………………… 46

Car Rental Theft and Damage Insurance ……………………………………………………. 51

Buyer’s Assurance® Protection Plan …………………………………………………………. 61

Purchase Protection® Plan ………………………………………………………………………… 68

Customer Service Numbers ………………………………………………………………………. 76

CERTIFICATES OF INSURANCE

THE AMERICAN EXPRESS

®

GOLD REWARDS CARD

Amended and Restated Effective Date:

July 1, 2025

OUT OF PROVINCE/COUNTRY

EMERGENCY MEDICAL INSURANCE

Amended and Restated Effective Date:

July 1, 2025

SECTION 1 - INTRODUCTION

Out of Province/Country Emergency Medical Insurance for Amex® Cardmembers and insured persons.

Amex Bank of Canada has been issued the Policy PSI047257741 by Belair Insurance Company Inc. (the Insurer ) to cover emergency medical expenses incurred by you while outside your province. This Certificate of Insurance (hereinafter described as “this certificate” or “your certificate”) summarizes the provisions of the Policy applicable to your Amex® Card for Out of Province/ Country Emergency Medical Insurance coverage.

SECTION 2 - IMPORTANT NOTICE - PLEASE READ CAREFULLY

• Bolded terms that are defined in this certificate can be found in SECTION 4 - DEFINITIONS. Throughout this certificate, any references to “you” and “your” mean any person qualifying as an insured person under this certificate. The words “we”, “our” and “us” mean the Insurer , or its authorized representatives or Global Excel Management Inc. (hereinafter referred to as “ Global Excel ”), the assistance and claims service provider under this certificate, as applicable.
• Out of Province/Country Emergency Medical Insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your certificate before you travel as your coverage may be subject to certain limitations or exclusions.
• The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.
• An exclusion applies for any medical condition that was not stable before your trip. Refer to this certificate to determine how this exclusion affects your coverage and how it relates to your departure date.
• In the event of an accident , injury or sickness , your prior medical history may be reviewed when a claim is reported.
• Your insurance provides travel assistance. You are required to contact Global Excel prior to emergency treatment. Your insurance benefits may be limited should you not contact Global Excel immediately.
• Coverage is only available while you are a resident of Canada, while you are covered by a government health insurance plan and while you are travelling outside your province.
• Throughout this certificate, any reference to age refers to your age on the departure date.
• This certificate contains clauses which may limit the amounts payable.
• This certificate contains a provision removing or restricting the right of the group person insured to designate persons to whom or for whose benefit insurance money is to be payable.

SECTION 3 - WHAT TO DO IN A MEDICAL EMERGENCY?

If you have a medical emergency , you must call Global Excel before you receive emergency services. Of course, if your medical condition prevents you from calling, we understand – however, you must call as soon as medically possible or, as an alternative, someone else may call on your behalf (relative, friend, nurse or doctor).

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

1-800-243-0198 toll-free from the US & Canada, or +905-475-4822 collect from anywhere in the world. If you do not call Global Excel before you seek emergency services , or if you choose to seek care from a non-approved medical service provider, you will be responsible for 20% of your medical expenses covered under this insurance and not recovered from your government health insurance plan to a maximum of $25,000. If, after reimbursement by your government health insurance plan , your claim exceeds $25,000, this insurance will pay 100% of any eligible expenses over and above $25,000.

SECTION 4 - DEFINITIONS

Throughout this certificate, bolded terms that are defined have the specific meaning described below:

Accident means a fortuitous, sudden, unforeseen and unintentional event exclusively attributable to an external cause resulting in injury.

Accommodation means an establishment providing commercial accommodations or in the business of operating a vacation rental marketplace and hospitality service for the general public.

Basic Cardmember means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember , provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

Card means The American Express® Gold Rewards Card issued in Canada by Amex Bank of Canada.

Cardmember means a holder of a valid Basic or Supplementary Card.

Common carrier means any land, air or water conveyance which is licensed to transport passengers for hire, provided it maintains published timelines and fares. Rental vehicles, however, are not considered common carriers.

Departure date means the date on which you leave your province.

Departure point means the place from which you depart your province on the first day, and return to on the last day of your intended trip.

Dependent child(ren) means an unmarried natural, adopted, step or foster child, or legal ward of the Cardmember or the Cardmember’s spouse who is, on the departure date , at least 15 days old, dependent on the Cardmember or the Cardmember’s spouse for support and:

a) is under 21 years of age;

b) is a full-time student who is under 25 years of age; or

c) has a permanent physical impairment or a permanent mental disability.

Emergency means an unexpected and unforeseen medical condition (arising during the period of insurance ), for which immediate medical treatment is needed to prevent or alleviate existing danger to life or health and cannot be reasonably delayed until you return to your province. An emergency ends when Global Excel or the Insurer , upon the physician’s advice, determines that you are medically able to travel to your departure point.

Emergency services mean any treatment that:

a) is required for the immediate relief of an acute symptom; or

b) upon the advice of a physician cannot be delayed until you return to your departure point , and must be received during your trip because your medical condition prevents you from returning to your departure point.

The emergency services must be ordered by or received from a physician , or received in a hospital during your trip , or received from a licensed physiotherapist, chiropractor, chiropodist, podiatrist or osteopath, as a result of an emergency that occurs during your trip.

Global Excel means Global Excel Management Inc., which is the assistance and claims service provider under this certificate.

Government health insurance plan means the health insurance coverage that Canadian provincial and territorial governments provide for their residents.

Hospital means an establishment that is licensed as an accredited hospital, is operated for the care and treatment of inpatients, has a physician and registered nurse always on duty, and has a laboratory and an operating room on the premises or in facilities controlled by the establishment. Hospital does not mean any establishment used mainly as a clinic, extended or palliative care facility, rehabilitation facility, addiction treatment centre, convalescent, rest or nursing home, home for the aged or health spa.

Immediate family means your spouse , parent, legal guardian, legal ward, step- parent, grandparent, grandchild, in-law, natural or adopted child, step-child, brother, sister, step-brother, step-sister, aunt, uncle, niece or nephew.

Injury means an unexpected and unforeseen harm to the body caused by an accident.

Insurer means Belair Insurance Company Inc.

Medical condition means any injury or sickness (or a condition related to that injury or sickness ).

Minor ailment means any sickness or injury which does not require:

a) the use of medication for a period of greater than 15 days;

b) more than one follow-up visit to a physician ; or

c) hospitalization, surgical intervention, or referral to a specialist;

and which ends at least 30 consecutive days prior to the departure date of a trip.

However, a chronic condition or any complication of a chronic condition is not considered a minor ailment.

Mountain climbing means the ascent or descent of a mountain requiring the use of specialized equipment, including crampons, pick-axes, anchors, bolts, carabiners and lead-rope or top-rope anchoring equipment.

Period of insurance means the first 15 consecutive days of your trip (including the departure date ) if you are age 64 or under on your departure date.

Physician means someone who is not you or a member of your immediate family who is licensed to prescribe drugs and administer medical treatment (within the scope of such license) at the location where the treatment is provided.

Province means your Canadian province or territory of permanent residence.

Reasonable and customary expenses mean charges that are, as determined by us, comparable to other charges for the same service and level of expertise in the place where the emergency took place.

Return date means the date on which you are scheduled to return to your departure point.

Ridesharing services mean transportation network companies in the business of providing peer-to-peer ridesharing transportation services through digital networks or other electronic means for the general public.

Sickness means a disease or disorder of the body.

Spouse means:

a) a person who is married to or has entered into a civil union with another person and is living with that person.

b) a person who is not married but has lived in a marital relationship in the same household for at least one year with another person who is publicly presented as that person’s spouse.

Stable means any medical condition (other than a minor ailment ) for which all the following statements are true:

a) there has been no new diagnosis, treatment or prescribed medication;

b) there has been no change in treatment or change in medication, including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type. “Change in medication” does not include: the routine adjustment of Coumadin, Warfarin, insulin or oral medication to control diabetes, or a change from a brand medication to a generic brand medication (where there is no modification to the dosage);

c) there have been no new symptoms, more frequent symptoms or more severe symptoms;

d) there have been no test results showing deterioration; and

e) there has been no hospitalization or referral to a specialist (made or recommended) and no waiting of results of further investigations for that medical condition.

Supplementary Cardmember means an authorized user of the Card account.

Top up means the coverage you purchase through the Enrollment Centre to extend travel insurance coverage that is in effect for a portion of your trip duration.

Travelling companion means the person (up to a maximum of three people), other than a spouse or dependent children , who accompanies you throughout the trip. A travelling companion is not covered under this insurance.

Treatment means a medical, therapeutic or diagnostic procedure prescribed, performed or recommended by a physician including, but not limited to, consultation, prescribed medication, investigative testing, hospitalization or surgery.

Trip means a journey which commences on the departure date and ends on the return date.

Vehicle means a private passenger automobile, minivan, mobile home, camper truck or trailer home, which you use during your trip exclusively for the transportation of passengers other than for hire, whether owned by you or leased by you from a commercial rental agency. This vehicle must not have been used for commercial purposes.

We, our and us mean the Insurer , its authorized representatives or Global Excel , as applicable.

You, your and insured person mean any of the following persons who are age 64 or under on the departure date and who have a valid government health insurance plan : the Cardmember , the Cardmember’s spouse or the Cardmember’s dependent child , whether travelling together or not.

SECTION 5 - WHEN DOES COVERAGE BEGIN AND END?

Coverage is for an unlimited number of trips ; however, each trip must be separated by a return to your province. Coverage must be in effect before you leave your province. You do not need to provide us with advance notice of your departure date and return date for each trip. However, you will be required to provide evidence of these dates when filing a claim, for example, an airline ticket or boarding pass.

This insurance coverage begins whenever you leave your province.

You will be covered for the first:

• 15 consecutive days of your trip (including the departure date ), if you are age 64 or under on your departure date.

Coverage ends on the earliest of:

1. the date you have been absent for more than 15 consecutive days from your province ;
2. the date you return to your province ;
3. the date your Card account is cancelled;
4. the date your Card privileges are terminated;
5. 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;
6. the date the Policy terminates.

WHAT IF YOU WANT TO TOP UP YOUR COVERAGE?

You can top up your coverage by calling the Enrollment Centre at 1-866-587-1029. Premium payment will be charged to your Card account.

SECTION 6 - WHEN DOES YOUR COVERAGE AUTOMATICALLY EXTEND?

Coverage is automatically extended beyond the end of the period of insurance in the following circumstances:

1. Hospitalization. When you or your travelling companion are hospitalized due to a medical emergency on your scheduled return date , your coverage will remain in force during the period of hospitalization and up to 5 days following discharge from the hospital.

2. Medical Emergency Preventing Travel. If you or your travelling companion is unable to travel on your scheduled return date due to a medical emergency which does not require hospitalization, your coverage is automatically extended for up to 5 days beyond your return date.

3. Delay of Transportation. If your common carrier has been delayed, or if a private vehicle becomes inoperable on the way to your province due to circumstances beyond your control, your coverage is extended for up to 72 hours beyond your scheduled return date.

4. Medically Unfit to Travel. If you or your travelling companion is medically unfit to travel due to an emergency , your coverage is extended for up to 72 hours following the date that you are deemed able to return to your province , as deemed by your physician or your common carrier’s guidelines.

You are required to notify Global Excel in the foregoing circumstances prior to the end of the period of insurance. Failure to notify Global Excel by such time may result in coverage not being extended.

In no circumstances will coverage be extended to more than 365 days from your departure date.

SECTION 7 - WHAT ARE YOU COVERED FOR?

This insurance offers coverage to a maximum of $5,000,000 CAD per insured person , per trip for reasonable and customary expenses incurred by you for the benefits listed below, for emergency services medically required during your trip as a result of a medical emergency occurring while travelling outside your province.

WHAT ARE THE BENEFITS?

Hospital Accommodations & Medical Expenses Room and board costs, up to the semi-private room rate or the equivalent, use of an operating room, intensive care unit, anesthesia and surgical dressings charged by the hospital are covered. If medically necessary, expenses for treatment in an intensive or coronary care unit, and emergency outpatient services provided by a hospital , are also covered.

Physician Charges The expenses resulting from the services of a physician provided to you as a result of an emergency.

Private Registered Nurse When approved in advance by Global Excel , the services of a qualified private registered nurse (who is not you or your immediate family member), while hospitalized to a maximum of $10,000, if the attending physician and we consider one to be necessary.

Ground Ambulance Services Ground ambulance services (or local taxi fare or ridesharing services in lieu) from the place where the emergency occurred, to the nearest hospital that is able to provide the necessary treatment.

Paramedical Services The services of a licensed physiotherapist, chiropractor, chiropodist, podiatrist or osteopath when they are needed due to an emergency that occurs during your trip , to a maximum amount of $250 per insured person , per profession.

Diagnostic Services Laboratory tests and x-rays ordered by the physician who is treating you. Note: This benefit does not cover magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms, ultrasounds and biopsies unless such services are approved in advance by Global Excel.

Prescriptions Drugs, including injectable drugs and sera, and medicine that require the prescription of the attending physician and are dispensed by a licensed pharmacist due to an emergency. This benefit does not cover such drugs or medicine, when you need (or renew) them to continue to stabilize a condition which you had before your trip , or a chronic condition.

Medical Appliances When approved in advance by Global Excel , the lesser of the rental or purchase of a hospital-type bed, a wheelchair, brace, splints, crutches, casts, canes, trusses, walkers and other medical appliances. The appliances must be obtained outside your province , ordered by the attending physician , and must be required due to an emergency.

Emergency Dental Expenses Covers the cost of the following dental expenses when ordered by, or received from, a licensed dentist if you need dental treatment to repair or replace your natural or permanently attached artificial teeth because of an accidental blow to your face during your trip :

• emergency dental expenses you incur during your trip , and
• up to a maximum of $1,000 per insured person to continue necessary treatment after your return to Canada so long as this treatment is received within 90 days of your injury.

This insurance also covers treatment , during your trip , for the emergency relief of dental pain, to a maximum of $250.

Return to your Departure Point If the physician treating you recommends to us in writing that you return to your departure point because of your medical condition in order to receive emergency medical attention, or if the Insurer determines that you are able to and recommends that you return to your departure point , this insurance covers you for one or more of the following, when pre-authorized and arranged by Global Excel , when medically essential:

• the extra cost of a one-way economy air fare on a commercial flight via the most cost-effective route to your departure point to receive immediate emergency medical attention; or
• the cost of a stretcher fare on a commercial flight via the most cost-effective route to your departure point , if a stretcher is medically necessary; and
• the cost of a return economy air fare on a commercial flight via the most cost-effective route and the usual fees and expenses for a qualified medical attendant to accompany you, when the attendant is medically necessary or required by the airline; or
• the cost of air ambulance transportation if it is medically essential.

Return of Deceased Covers:

• the return of your remains in the common carrier’s standard transportation container to your departure point , and up to $3,000 for the preparation of your remains and the cost of the common carrier’s standard transportation container; or
• the return of your remains to your departure point , and up to $2,000 for the cremation of your remains where your death occurred; or
• up to $3,000 for the preparation of your remains and the cost of a standard burial container and up to $2,000 for the burial of your remains where your death occurred.

If someone is legally required to identify your remains, this insurance covers the cost of round-trip economy class transportation by the most cost-effective route and up to $300 for meal and accommodation expenses for that person. That person is covered under the terms of your insurance during the period in which that person is required to identify your remains, but for no longer than 3 business days.

Additional Meal & Accommodation Expenses Covers the cost of up to $150 per day, to a maximum of $1,500 per trip , for meal and accommodation expenses you have incurred after the date you are scheduled to return to the departure point , when your return is delayed due to your or your travelling companion ’s medical emergency or when you or your travelling companion are relocated to receive medical attention.

Transportation to Bedside

• This benefit is subject to a pre-authorization by Global Excel.
• Covers the cost of round-trip economy class transportation by the most cost-effective route, to have someone visit you when you are travelling alone and are hospitalized during your trip for more than 3 days. However,

if you are under age 21, or age 21 and over and physically handicapped and dependent on your bedside companion for support, this insurance provides this benefit to you as soon as you are admitted to a hospital. That person is entitled to a maximum of $300 for meal and accommodation expenses and is covered under the terms of your insurance during the period in which that person is required at your bedside. Return of Vehicle

• This benefit is subject to a pre-authorization by Global Excel.
• Covers the reasonable costs for a commercial agency, when arranged and approved through Global Excel , to return a vehicle to your residence or to a commercial rental agency, when you are unable to return the vehicle due to a medical emergency. The vehicle can be a private passenger automobile, self-propelled mobile home, camper truck or trailer home that you own or rent and which you use during your trip.

Care and Return of Dependent Children

• This benefit is subject to a pre-authorization by Global Excel.
• If you are unable to attend to your dependent children as the result of hospitalization due to an emergency and they are travelling with you, we will arrange temporary care for them or provide them with one way economy airfare (if they do not have a valid open return air ticket) to their province and the cost of return economy transportation for an escort, when an escort is deemed necessary by the carrier. Also, up to $250 for incidental expenses that result from sending them home, if you submit all the original receipts with your claim.

Return of your Excess Baggage

• This benefit is subject to a pre-authorization by Global Excel.
• If you return to your departure point by air ambulance (pre-authorized by Global Excel ) because of your medical emergency , this insurance covers the cost to return your excess baggage up to a maximum of $500.

Incidental Expenses Up to $300 for all insured persons combined, for your reasonable incidental expenses such as telephone, television or parking. This also includes contracted expenses at home that must be extended due to hospitalization that had delayed your return home (e.g. house-sitting, childcare, kennels, etc.).

SECTION 8 - WHAT ASSISTANCE SERVICES ARE AVAILABLE?

If you need assistance while travelling, help is one call away. Global Excel is available 24 hours a day, 7 days a week, to provide the following services wherever possible:

Emergency Call Centre. No matter where you travel, professional assistance personnel are ready to take your call. You can call Global Excel toll free at 1-800-243-0198 if in Canada or the United States or collect at +905-475-4822 from anywhere else in the world.

Emergency Message Centre. In case of a medical emergency , Global Excel will help exchange important messages with your immediate family , business or physician.

Medical Assistance and Consultation. If you have an emergency and you call Global Excel , you will be directed to one or more recommended medical service providers near you, where possible. In addition, whenever possible, Global Excel will:

• provide confirmation of coverage and pay expenses covered by this insurance directly to the recommended medical service provider,

• consult with your attending physician to monitor your care, and

• monitor the appropriateness, necessity and reasonableness of that care to help ensure that your expenses will be covered by this insurance.

Telemedicine and House Call Services. When such service is available in your area of travel and the circumstances of your emergency allow, Global Excel may provide you with access to a physician over the phone, or a personal visit.

Payment Assistance and Direct Billing. The payment of the medical services you receive will be coordinated through Global Excel , communicated with your medical provider and billing arrangements will be discussed. There are certain countries where, due to local conditions or travel reports from the Government of Canada, assistance services are not available and you may be required to make payment up-front. If you are required to make payment up-front, you must obtain detailed and itemized original bills for claims submission and call Global Excel on your return home.

Replacement Coordination. Whenever possible, Global Excel will help coordinate the replacement of your prescription eyeglasses or essential prescription medication in the event these items need to be replaced during your trip. This insurance does not cover the actual cost to replace your prescription eyeglasses or essential prescription medication.

Claims Information. Global Excel will answer any questions you have about your claim, Global Excel’s standard verification procedures and the way that your certificate benefits are administered.

SECTION 9 - WHAT ARE YOU NOT COVERED FOR?

GENERAL EXCLUSIONS

This insurance will not pay for any expenses relating to or in any way associated with:

1. Any medical condition (other than a minor ailment ) that was not stable* at any time during the 90 days before your departure date. *Stable means any medical condition (other than a minor ailment ) for which all the following statements are true: a) there has been no new diagnosis, treatment or prescribed medication; b) there has been no change in treatment or change in medication, including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type. “Change in medication” does not include: the routine adjustment of Coumadin, Warfarin, insulin or oral medication to control diabetes, or a change from a brand medication to a generic brand medication (where there is no modification to the dosage); c) there have been no new symptoms, more frequent symptoms or more severe symptoms; d) there have been no test results showing deterioration; and e) there has been no hospitalization or referral to a specialist (made or recommended) and no waiting of results of further investigations for that medical condition.

2. Any medical condition that required the use of home oxygen at any time during the 90 days before your departure date.

3. Any cancer for which you received chemotherapy treatment at any time during the 90 days before your departure date.

4. Any lung condition that required treatment with oral steroids (prednisone or prednisolone) at any time during the 90 days before your departure date.

5. A medical condition for which future investigation or treatment (except routine monitoring) is planned before your trip.

6. Non-compliance with our instructions.

7. Elective and/or cosmetic surgery or treatment even if it is recommended by a physician.

8. Further consultation, continued treatment , recurrence or complication of a medical condition or related condition, following emergency services of that medical condition during your trip , when it is determined, either in the opinion of Global Excel or your physician , or by virtue of discharge from a hospital , that you were medically able to transfer to another hospital , or return to your departure point and you chose to decline the transfer or return home.

9. Any treatment which is experimental.

10. Any services that are not emergency services.

11. Routine care of a chronic condition.

12. Routine pre-natal care.

13. If you are pregnant, your pregnancy or the birth and delivery of your child, or any complications of either, occurring in the nine weeks before or after your expected delivery date as determined by your primary care physician in your province. Note that a child born during a trip , even if born outside of the nine weeks before or after the expected delivery date, shall not be regarded as an insured person and shall not have coverage under this certificate for the entire duration of the trip in which the child is born.

14. Magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms or ultrasounds and biopsies unless such services are authorized in advance by Global Excel.

15. Participation:

a) as a professional athlete in a sporting event including training or practice; (Professional means a person who engages in an activity as one’s main paid occupation); b) in any motorized race or motorized speed contest; c) in scuba diving (unless you hold a basic SCUBA designation from a certified school or other licensing body), hang-gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping, mountain climbing , rodeo, heli-skiing, any downhill skiing or snowboarding outside marked trails or any cycling racing event or ski racing event. 16. Any illegal activity, fraud, or criminal activity, committed by or attempted by the insured person who has incurred the loss.

17. Your intentional self-inflicted injury , suicide or attempted suicide.

18. Abuse or overdose of a medication, drug or toxic substance; alcohol abuse, alcoholism or an accident occurring while you were operating a motorized vehicle , vessel or aircraft, while being impaired by drugs or alcohol or having an alcohol concentration that exceeds the legal limit as determined in the jurisdiction where the accident occurred.

19. Anxiety or panic attack or a state of mental or emotional stress unless such state was sufficiently severe as to require a medical consultation which resulted in a diagnosis.

20. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of a foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces.

21. Any medical condition if you undertake your trip with the prior knowledge that you will require or seek treatment , surgery, investigations, palliative care or alternative therapy of any kind, regardless of whether the treatment , surgery, investigations, palliative care or alternative therapy is related in any way to the medical condition.

22. Symptoms which would have caused an ordinarily prudent person to seek treatment or medication in the 90 days before your trip.

23. Treatment or surgery for a specific condition, or a related condition, which had caused your physician to advise you not to travel.

24. Any medical condition you suffer or contract, or any loss you incur in a specific country, region or area while a travel advisory of “Avoid non- essential travel” or “Avoid all travel” is in effect for that specific country, region or area and the travel advisory was issued by the Government of Canada before your departure date , even if the trip is undertaken for essential reasons. This exclusion only applies to medical conditions or losses which are related, directly or indirectly, to the reason for which the travel advisory was issued. If the travel advisory is issued after your departure date , your coverage under this insurance in that specific country, region or area will be restricted to a period of 10 days from the date the travel advisory was issued, or to a period that is necessary for you to safely evacuate the country, region or area, after which coverage will be limited to medical conditions or losses which are unrelated to the reason for which the travel advisory was issued, while the travel advisory remains in effect.

SECTION 10 - HOW DO YOU SUBMIT A CLAIM?

To submit a claim, please call Global Excel:

**- If in Canada or the United States, call toll free at: 1-800-243-0198

• From anywhere else in the world, call collect to: +905-475-4822**

1. When you call Global Excel at the time of an emergency , you will be given all the information required to file a claim.

2. This insurance does not cover fees charged for completing a medical certificate.

3. You must file your claim with us within 90 days of your return to your departure point.

Emergency Medical Insurance We require the fully completed Claim & Authorization form, and where applicable:

• Proof of your departure date and return date. While boarding passes are preferred, we will accept a credit card receipt, airline tickets or proof of departure date from your province , provided it contains your name and the location and date of your purchase.
• Original of all bills, invoices and receipts.
• Proof of payment by your government health insurance plan and payment from any other insurer or benefit plan.
• The completed and signed government specific forms if you reside in Quebec, British Columbia or Newfoundland.
• A complete diagnosis from the physician (s) and/or hospital (s) that provided the treatment , including, where applicable, written verification from the physician who treated you during your trip that the expenses were medically necessary.

In addition, for accidental dental expenses, we require proof of the accident.

FAILURE TO COMPLETE THE REQUIRED CLAIM &

AUTHORIZATION FORM IN FULL WILL DELAY THE

ASSESSMENT OF YOUR CLAIM.

WHEN MAKING A CLAIM UNDER THIS INSURANCE, YOU

MUST PROVIDE THE APPLICABLE DOCUMENTS WE

REQUIRE. FAILURE TO PROVIDE THE APPLICABLE

DOCUMENTATION WILL INVALIDATE YOUR CLAIM.

All pertinent documents should be sent to: Global Excel Management Inc. 73 Queen Street, Sherbrooke, Quebec, J1M 0C9

OTHER CLAIM INFORMATION

During the processing of a claim, the Insurer may require you to undergo a medical examination by one or more physicians selected by the Insurer and at the Insurer’s expense.

You agree that the Insurer and its agents have:

a) your consent to verify your health card number and other information required to process your claim, with the relevant government and other authorities;

b) your authorization to physicians , hospitals and other medical providers to provide to us, Global Excel and the Claims Centre, any and all information they have regarding you, while under observation or treatment , including your medical history, diagnoses and test results; and

c) your agreement to disclose any of the information available under a) and b) above to other sources, as may be required for the processing of your claim for benefits obtainable from other sources.

SECTION 11 - WHAT ELSE DO YOU NEED TO KNOW?

This certificate evidences the agreement between you and us. Despite any other provision of this agreement, this agreement is subject to any applicable Canadian law concerning contracts of insurance. This coverage may be cancelled, changed or modified at our option or at the option of Amex Bank of Canada at any time, to the extent required by applicable law and subject to compliance with any notice requirements under applicable law. This certificate replaces any and all certificates previously issued to the Cardmember with respect to the Policy.

Other Insurance or Recovery. This insurance is a second payor plan. This means that for any loss or damage insured by, or for any claim payable under, any other liability, group or individual basic or health insurance plan or contract, including any private or provincial or territorial auto insurance plan providing hospital , medical, or therapeutic coverage, or any other insurance in force concurrently herewith, or any amounts recoverable by you under a credit card, a charge card, applicable Canadian consumer protection legislation or any other benefit or reimbursement source, amounts payable hereunder are limited to those covered benefits incurred anywhere outside your province that are in excess of the amounts for which you are insured or otherwise entitled to recovery under such other legislation, benefit or reimbursement source. All coordination with employee related plans follows Canadian Life and Health Insurance Association Inc. guidelines. In no case will the Insurer seek to recover against employment related plans if the lifetime maximum for all in-country and out-of- country benefits is $50,000 or less.

Failure to Notify Global Excel. In the event of an emergency , you must call Global Excel before seeking treatment. If it is not reasonably possible for you to contact Global Excel before seeking treatment due to the nature of your emergency , you must have someone else call on your behalf or you must call as soon as medically possible. Failure to do so may limit the benefits payable to you.

Transfer or Medical Repatriation. During an emergency (whether prior to admission, during a hospitalization or after your release from the hospital ), the Insurer reserves the right to:

a) Transfer you to a preferred health care provider; and/or

b) Return you to your province ;

for the medical treatment of your sickness or injury without danger to your life or health.

Global Excel will make every provision for your medical condition when choosing and arranging the mode of your transfer or return and, in the case of a transfer, when choosing the hospital. If you choose to decline the transfer or return when declared medically stable by the Insurer , the Insurer will not pay any expenses related to your sickness or injury after the proposed date of transfer or return.

Benefits Limited to Incurred Expenses. The total benefits paid to you from all sources cannot exceed the actual expenses which you have incurred.

Misrepresentation and Non-Disclosure. Any fraudulent statements by you in connection with a claim will result in denial of such claim, in which case no benefits will be paid.

Subrogation. If you incur expenses due to the fault of a third party, you assign to us the right to take action against the party at fault in your name. This will require your full cooperation with us and we will pay for all of the related expenses.

Additionally, if No Fault benefits or other collateral sources of payment of expenses are available to you, regardless of fault, the Insurer is granted the right to make a demand for, and recover those benefits. If the Insurer institutes an action, the Insurer may do so at its own expense, in your name, and you will attend at the place of loss to assist in the action. If you institute a demand or an action for a covered loss, you shall immediately notify the Insurer so that it may safeguard its rights. You shall take no action after a loss that will impair the rights of the **Insurer set forth in the previous paragraph and shall do such things as are necessary to secure the Insurer’s rights.

Canadian Currency. Any claims paid to you will be payable in Canadian funds. If you have paid a covered expense, you will be reimbursed in Canadian currency at the prevailing rate of exchange on the date that the claim payment is made to you. No sum payable shall bear interest.

Availability and Quality of Care. We are not responsible for the availability, quality or results of medical treatment or transportation, or your failure to obtain medical treatment.

Entire Agreement. This certificate is the entire contract between you and us. Despite any other provision of this contract, this contract is subject to any applicable federal and provincial statutes concerning contracts of insurance.

Group Contract. 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).

Payment of Benefits. All payments are payable to you or on your behalf. In case of your death, benefits are payable to your estate unless another beneficiary is designated in writing to us.

Rights of Examination. As a condition precedent to recovery of insurance money under the Policy,

a) if you make a claim under the Policy, you must give us an opportunity to examine you when and so often as we may reasonably require while the claim hereunder is pending, and

b) in the case of your death, we may require an autopsy, subject to any law of the applicable jurisdiction relating to autopsies.

Applicable Law. The terms of this insurance coverage shall be governed and interpreted according to the laws of the province in which you are resident.

Material Facts. No statements or representations made by employees of Amex Bank of Canada, our employees or our agents can vary the terms of this insurance coverage.

Limitation of Actions. 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), The Limitations Act (for actions or proceedings governed by the laws of Saskatchewan), or other applicable legislation. For actions or proceedings governed by the laws of Quebec, the prescriptive period is set out in the Civil Code of Quebec.

Trade and Economic Sanctions. The Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate if and to the extent that doing so would breach any Prohibition.

For the purposes of this Clause:

Prohibition means any prohibition or restriction imposed by law or regulation including but not limited to:

a) trade and/or economic sanctions laws and/or regulations of Canada, the United Kingdom, or any other jurisdiction or authority relevant to the parties; and

b) any activities that would be subject to a license requirement under those laws and/or regulations in respect of export control, unless such license has been obtained prior to the activity commencing and the Insurer has approved the provision of insurance for the activity.

IMPORTANT NOTICE ABOUT YOUR PERSONAL INFORMATION

Your privacy is important to us. To read the commitment we’ve made to protecting your privacy, and understand how we use, collect and disclose your personal information, please visit our Privacy Promise online at https://info.client.insure/privacy or request a copy by calling 1-866-941-5094. Our Privacy Promise may be updated from time to time. We encourage you to visit our website periodically to take notice of any changes.

Insurer Contact Information: Belair Insurance Company Inc. 700 University Ave, Toronto, ON M5G 0A1 1-833-964-2757

This insurance product is underwritten by Belair Insurance Company Inc. ©2025 Belair Insurance Company Inc. All rights reserved. ® “Global Excel” and the Global Excel logo are registered trademarks of Global Excel Management Inc. ®, TM: Used by Amex Bank of Canada under license from American Express.

TRIP CANCELLATION & TRIP

INTERRUPTION INSURANCE

Amended and Restated Effective Date:

July 1, 2025

SECTION 1 - INTRODUCTION

Trip Cancellation & Trip Interruption Insurance for Amex Cardmembers and insured persons.

Amex Bank of Canada has been issued the Policy PSI047258485 by Belair Insurance Company Inc. (the Insurer ) to protect your travel investment prior to departure or cover other expenses incurred by you after departure, while outside your province.

This Certificate of Insurance (hereinafter described as “this certificate” or “your certificate”) summarizes the provisions of the Policy applicable to your Amex Card for Trip Cancellation and Trip Interruption Insurance.

SECTION 2 - IMPORTANT NOTICE - PLEASE READ CAREFULLY

• Bolded terms that are defined in this certificate can be found in SECTION 4 - DEFINITIONS. Throughout this certificate, any references to “you” and “your” mean any person qualifying as an insured person under this certificate. The words “we”, “our” and “us” mean the Insurer , or its authorized representatives or Global Excel Management Inc. (hereinafter referred to as “ Global Excel ”), the assistance and claims service provider under this certificate, as applicable.
• Trip Cancellation & Trip Interruption insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your certificate before you travel as your coverage may be subject to certain limitations or exclusions.
• The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.
• An exclusion applies for any medical condition that was not stable before your trip. Refer to this certificate to determine how this exclusion affects your coverage and how it relates to your departure date or effective date.
• In the event of an accident , injury or sickness , your prior medical history may be reviewed when a claim is reported.
• Coverage is only available if you are a resident of Canada while you are travelling outside your province.
• For trip cancellation coverage, only the prepaid travel arrangements charged on the Cardmember’s Card , or obtained through the redemption of points from the Membership Rewards Program, will be considered for reimbursement, up to the benefit maximum. Any expenses incurred using other payment sources will not be considered. Note: Prepaid travel arrangements will not be covered for Trip Cancellation, if purchased with points from a reward program other than the Membership Rewards Program.
• For trip interruption/trip delay coverage, benefits are payable to you as long as any portion of the prepaid travel arrangements is charged to the Cardmember’s Card or obtained through the redemption of points from the Membership Rewards Program, up to the benefit maximum. Note: Prepaid travel arrangements will not be covered for Trip Interruption/ Trip Delay, if purchased with points from a reward program other than the Membership Rewards Program.
• This certificate contains clauses which may limit the amounts payable.
• This certificate contains a provision removing or restricting the right of the group person insured to designate persons to whom or for whose benefit insurance money is to be payable.

SECTION 3 - WHAT TO DO IN AN EMERGENCY?

If you have an emergency , you can call Global Excel.

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

1-800-243-0198 toll-free from the US & Canada, or +905-475-4822 collect from anywhere in the world. SECTION 4 - DEFINITIONS

Throughout this certificate, bolded terms that are defined have the specific meaning described below:

Accident means a fortuitous, sudden, unforeseen and unintentional event exclusively attributable to an external cause resulting in injury.

Accommodation means an establishment providing commercial accommodations or in the business of operating a vacation rental marketplace and hospitality service for the general public.

Basic Cardmember means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember , provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

Business meeting means a meeting, trade show, conference, training course, or convention scheduled before your effective date between companies with unrelated ownership, pertaining to your full-time occupation or profession and that is the sole purpose of your trip. Legal proceedings are not considered to be a business meeting.

Card means The American Express® Gold Rewards Card issued in Canada by Amex Bank of Canada.

Cardmember means a holder of a valid Basic or Supplementary Card.

Caregiver means the permanent, full-time person entrusted with the well-being of your dependent child(ren) and whose absence cannot reasonably be replaced.

Catastrophic event means the total eligible Cancellation & Interruption Insurance claims arising directly or indirectly from an act of terrorism , or series of acts of terrorism , occurring within a 72-hour period that exceed $1,000,000.

Common carrier means any land, water, or air conveyance operated under a license for the transportation of passengers for hire and for which a ticket has been obtained. Common carrier does not include any conveyance that is hired or used for a sport, gamesmanship, contest, cruise and/or recreational activity, regardless of whether such conveyance is licensed. Rental vehicles are not considered common carriers.

Departure date means the date on which you leave your province.

Departure point means the place you depart from your province on the first day of your trip , as shown on the confirmation of your prepaid travel arrangements.

Dependent child(ren) means an unmarried natural, adopted, step or foster child, or legal ward of the Cardmember or the Cardmember’s spouse who is, on the effective date , at least 15 days old, dependent on the Cardmember or the Cardmember’s spouse for support and:

a) is under 21 years of age;

b) is a full-time student who is under 25 years of age; or

c) has a permanent physical impairment or a permanent mental disability.

Effective date means the date and time any portion of the prepaid travel arrangements (before any cancellation penalties have been incurred) is first charged to the Card by the Cardmember , or paid by redeeming Membership Rewards® points earned under the Membership Rewards Program, provided any applicable taxes are charged to the Card if not paid with points earned under the Membership Rewards Program. Note: Prepaid travel arrangements will not be covered for Trip Cancellation or Trip Interruption, if purchased with points from a reward program other than the Membership Rewards Program.

Emergency means an unexpected and unforeseen medical condition (arising during the period of insurance ), for which immediate medical treatment is needed to prevent or alleviate existing danger to life or health and cannot be reasonably delayed until you return to your province. An emergency ends when Global Excel or the Insurer , upon the physician’s advice, determines that you are medically able to travel to your departure point.

Global Excel means Global Excel Management Inc., which is the assistance and claims service provider under this certificate.

Grounding means the complete and continuous withdrawal at or about the same time in the interest of safety, of one or more aircraft or cruise ship(s) from operation due to a mandatory order of Transport Canada, or other similar civil aviation or marine authority, because of an existing, alleged or suspected like defect, fault or condition affecting the safe operation of two or more such aircraft or cruise ships, whether such aircraft or cruise ships so withdrawn are owned or operated by the same or different persons, firms or corporations.

Hospital means an establishment that is licensed as an accredited hospital, is operated for the care and treatment of inpatients, has a physician and a registered nurse always on duty, and has a laboratory and an operating room on the premises or in facilities controlled by the establishment. Hospital does not mean any establishment used mainly as a clinic, extended or palliative care facility, rehabilitation facility, addiction treatment centre, convalescent, rest or nursing home, home for the aged or health spa.

Injury means an unexpected and unforeseen harm to the body caused by an accident.

Insurer means Belair Insurance Company Inc.

Immediate family means spouse , parent, legal guardian, legal ward, step-parent, grandparent, grandchild, in-law, natural or adopted child, step-child, brother, sister, step-brother, step-sister, aunt, uncle, niece or nephew.

Key employee means an employee whose continued presence is critical to the ongoing affairs of the business during a person’s absence.

Medical condition means any injury or sickness (or a condition related to that injury or sickness ).

Minor ailment means any sickness or injury which does not require:

a) the use of medication for a period of greater than 15 days;

b) more than one follow-up visit to a physician ; or

c) hospitalization, surgical intervention, or referral to a specialist;

and which ends at least 30 consecutive days prior to the effective date of a trip. However, a chronic condition or any complication of a chronic condition is not considered a minor ailment.

Mountain climbing means the ascent or descent of a mountain requiring the use of specialized equipment, including crampons, pick-axes, anchors, bolts, carabiners and lead-rope or top-rope anchoring equipment.

Period of insurance means the period of time between your effective date and your return date.

Physician means someone who is not you or a member of your immediate family who is licensed to prescribe drugs and administer medical treatment (within the scope of such license) at the location where the treatment is provided.

Prepaid travel arrangements means transportation, accommodation and other travel expenses booked through a travel supplier , prior to the departure date of your trip.

Province means your Canadian province or territory of permanent residence.

Rebooking fees mean the additional amounts charged to you to change your original ticket prior to your departure date , excluding any difference in fare between the original amount and the new amount, or the charges for a different booking class.

Return date means the date on which you return to your province.

Return point means the place you return to on the last day of your trip , as shown on the confirmation of your prepaid travel arrangements , or your province.

Ridesharing services mean transportation network companies in the business of providing peer-to-peer ridesharing transportation services through digital networks or other electronic means for the general public.

Sickness means a disease or disorder of the body.

Spouse means:

a) a person who is married to or has entered into a civil union with another person and is living with that person.

b) a person who is not married but has lived in a marital relationship in the same household for at least one year with another person who is publicly presented as that person’s spouse.

Stable means any medical condition (other than a minor ailment ) for which all of the following statements are true:

a) there has been no new diagnosis, treatment or prescribed medication;

b) there has been no change in treatment or change in medication, including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type. “Change in medication” does not include: the routine adjustment of Coumadin, Warfarin, insulin or oral medication to control diabetes, or a change from a brand medication to a generic brand medication (where there is no modification to the dosage);

c) there have been no new symptoms, more frequent symptoms or more severe symptoms;

d) there have been no test results showing deterioration; and

e) there has been no hospitalization or referral to a specialist (made or recommended) and no waiting of results of further investigations for that medical condition.

Supplementary Cardmember means an authorized user of the Card account.

Terrorism or act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, including hijacking or kidnapping, of an individual or group in order to intimidate or terrorize any government, group, association or the general public, for religious, political or ideological reasons or ends, and does not include any act of war (whether declared or not), act of foreign enemies or rebellion.

Top up means the coverage you purchase through the Enrollment Centre to extend travel insurance coverage that is in effect for your trip.

Travel supplier means a travel agent, a tour operator, a travel wholesaler, an airline, a cruise line, a provider of ground transportation, a provider of travel accommodations or other provider who sells travel services to the general public.

Travelling companion means any person (up to a maximum of three people), other than a spouse or dependent children , who accompanies you throughout the trip. A travelling companion is not covered under this insurance.

Treatment means a medical, therapeutic or diagnostic procedure prescribed, performed or recommended by a physician including, but not limited to, consultation, prescribed medication, investigative testing, hospitalization or surgery.

Trip means a journey which commences on the departure date and ends on the return date.

We, our and us mean the Insurer , its authorized representatives or Global Excel , as applicable.

You, your and insured person mean any of the following persons: the Cardmember , the Cardmember’s spouse or the Cardmember’s dependent child , whether travelling together or not.

SECTION 5 - WHEN DOES COVERAGE BEGIN AND END?

This insurance provides coverage whenever any portion of the prepaid travel arrangements (before any cancellation penalties have been incurred) is charged to your Card or obtained through the redemption of points earned under the Membership Rewards Program, provided any applicable taxes are charged to the Card , if not paid with points earned under the Membership Rewards Program. Note: Prepaid travel arrangements will not be covered for Trip Cancellation or Trip Interruption, if purchased with points from a reward program other than the Membership Rewards Program.

1. Coverage takes effect, with respect to:

a) Trip Cancellation, when the cause of cancellation occurs before you depart on your trip.

b) Trip Interruption, when the cause of interruption occurs during your trip.

c) Trip Delay, when the cause of delay occurs during your trip and results in you being delayed, beyond your scheduled return date , from returning to your return point. 2. Coverage begins, with respect to:

a) Trip Cancellation, on your effective date (and before any cancellation penalties have been incurred); b) Trip Interruption and Trip Delay, on your departure date or when the common carrier departs from the departure point. 3. Coverage ends on the earliest of:

a) midnight of your return date ; b) the date your Card account is cancelled; c) the date your Card privileges are terminated; d) 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; e) the date the Policy terminates.

WHAT IF YOU WANT TO TOP UP YOUR COVERAGE?

You can top up your coverage by calling the Enrollment Centre at 1-866-587-1029. Premium payment will be charged to your Card account.

SECTION 6 - WHEN DOES YOUR COVERAGE AUTOMATICALLY EXTEND?

Coverage is automatically extended beyond the end of the period of insurance in the following circumstances:

1. Hospitalization. When you or your travelling companion are hospitalized due to a medical emergency on your return date , your coverage will remain in force during the period of hospitalization and up to 5 days following discharge from the hospital.

2. Medical Emergency Preventing Travel. If you or your travelling companion is unable to travel on your scheduled return date due to a medical emergency which does not require hospitalization, your coverage is automatically extended for up to 5 days beyond your return date.

3. Delay of Transportation. If your common carrier has been delayed, or if a private vehicle becomes inoperable on the way to your province due to circumstances beyond your control, your coverage is extended for up to 72 hours beyond your scheduled return date.

4. Medically Unfit to Travel. If you or your travel companion is medically unfit to travel due to an emergency , your coverage is extended for up to 72 hours following the date that you are deemed able to return to your province , as deemed by your physician or your common carrier’s guidelines.

You are required to notify Global Excel in the foregoing circumstances prior to the end of the period of insurance. Failure to notify Global Excel by such time may result in coverage not being extended.

In no circumstances will coverage be extended to more than 365 days from your departure date.

SECTION 7 - TERRORISM COVERAGE

Where an act of terrorism directly or indirectly causes a loss that would otherwise be payable under one of the covered risks in accordance with the terms and conditions of this insurance, this certificate will provide reimbursement or other benefits as follows:

a) Reimbursement is available to you up to a maximum of 100% of your eligible expenses for Trip Cancellation and Trip Interruption claims, except in the case of a catastrophic event.

b) Reimbursement is available to you up to a maximum of 50% of your eligible expenses for Trip Cancellation and Trip Interruption claims resulting in a catastrophic event , and subject to the limits described in paragraph d).

c) The benefits payable in accordance with paragraphs a), and b) are in excess to all other potential sources of recovery, including but not limited to, alternative or replacement travel options offered by airlines, tour operators, cruise lines and other travel suppliers and other insurance coverage (even where such other coverage is described as excess) and will only respond after you have exhausted all such other sources.

d) The benefits payable in accordance with paragraph b) shall be paid out of a fund and, where total claims exceed fund limits, eligible claims shall be reduced on a pro rata basis so that the maximum payment out of the fund under all insurance plans underwritten by the Insurer shall be CDN$5,000,000 per act of terrorism or a series of acts of terrorism occurring within a 72-hour period. The total maximum payment out of the fund under all insurance plans underwritten by the Insurer shall be CDN$10,000,000 per calendar year regardless of the number of acts of terrorism. If, in the Insurer’s judgment, the total of all payable claims under one or more acts of terrorism may exceed the applicable fund maximum limits, your prorated claim will be paid after the end of the calendar year.

SECTION 8 - WHAT ARE YOU COVERED FOR?

INSTRUCTIONS FOR READING CHART AND DETERMINING BENEFITS

1. To determine if the reason for cancellation, interruption or delay of your trip is a covered reason, refer to the first column of the chart below.

2. If the reason for cancellation, interruption or delay of your trip is one of the covered reasons, refer to the remaining columns in the chart to determine which of the benefits (A, B, C, D, E, F or G) described following the chart correspond to your covered reason.

3. For claims related to a medical condition , the date of the diagnosis of a new medical condition or the date that a physician advises the medical condition is no longer stable shall be considered as the date the covered reason occurs.

WHAT ARE YOU COVERED FOR? WHAT ARE YOUR BENEFITS? Trip Cancellation Trip Interruption Trip Delay MEDICAL CONDITION 1 Your medical condition or admission to a hospital following an emergency. A B, D & G, or B, E & G, or B, F & G E & G 2 The admission to a hospital following an emergency of a member of your immediate family (who is not at your destination), your business partner, key employee or caregiver. A B, E & G N/A 3 The medical condition of your immediate family member (who is not at your destination), your business partner, key employee or caregiver following an emergency. A B, E & G N/A 4 The admission to a hospital of your host at destination, following an emergency. A B, E & G N/A 5 The medical condition of your travelling companion or their admission to a hospital following an emergency. A B, D & G, or B, E & G, or B, F & G E & G 6 The medical condition of your immediate family member who is at your destination or their admission to a hospital following an emergency. A B, E & G E & G DEATH 7 Your death. A C N/A 8 The death of your immediate family member or friend (who is not at your destination), your business partner, key employee or caregiver. A B, E & G N/A N/A: Not Applicable

N/A: Not Applicable

WHAT ARE YOU COVERED FOR? WHAT ARE YOUR BENEFITS? Trip Cancellation Trip Interruption Trip Delay DEATH 9 The death of your travelling companion. A B, E & G E & G 10 The death of your travelling companion’s immediate family member, business partner, key employee or caregiver. A B, E & G N/A 11 The death of your host at destination, following an emergency. A B, E & G N/A 12 The death of your immediate family member or friend, who is at your destination. A B, E & G E & G GOVERNMENT ADVISORIES 13 A travel advisory or formal notice issued by the Government of Canada after the purchase of your trip , and prior to your departure date , of “Avoid non-essential travel” or “Avoid all travel” to a specific country, region or area originally ticketed for a period that includes your trip. A N/A N/A 14 A travel advisory or formal notice issued by the Government of Canada after your departure date , of “Avoid non-essential travel” or “Avoid all travel” to a specific country, region or area originally ticketed for a period that includes your trip. N/A B, E & G, or B, F & G E & G EMPLOYMENT AND OCCUPATION 15 A transfer by the employer with whom you or your spouse is employed on your effective date , which requires the relocation of your principal residence. A B, E & G N/A 16 The involuntary loss of your or your spouse’s permanent employment (not contract employment) due to lay-off or dismissal without just cause. A B, E & G N/A 17 Cancellation of your business meeting due to reasons beyond your or your employer’s control. A B, E & G N/A 18 You are being summoned to service as a reservist, or as active military, police, fire or essential medical personnel. A B, E & G N/A

WHAT ARE YOU COVERED FOR? WHAT ARE YOUR BENEFITS? Trip Cancellation Trip Interruption Trip Delay DELAYS 19 Delay of your private or rented vehicle resulting from:

• the mechanical failure of that vehicle,
• acts of nature (such as weather conditions, earthquakes or, volcanic eruptions),
• a traffic accident or an emergency police-directed road closure, when the delay causes your trip to be cancelled or interrupted, or causes you to miss a connection. The vehicle must be scheduled to arrive at least two hours (or the required minimum arrival reporting time, whichever is the greater) in advance of the contracted time of departure. Note: This covered reason does not apply if alternative travel arrangements can be made.

A B, E & G E & G 20 A cancellation or delay of your common carrier , resulting from:

• the mechanical failure of that common carrier ,
• a traffic accident or an emergency police-directed road closure,
• acts of nature (such as weather conditions, earthquakes or, volcanic eruptions),
• grounding of your air transportation, when the cancellation or delay of the common carrier causes your trip to be cancelled or interrupted, or when your connection, cruise or tour, is missed. Note: This covered reason does not apply if alternative travel arrangements can be made.

A B & G plus D, E or F E & G OTHER COVERED REASONS 21 An event completely independent of any intentional or negligent act that renders your principal residence uninhabitable or place of business inoperative. A B, E & G N/A 22 The quarantine or hijacking of you, your spouse or your dependent child. A B, E & G E & G 23 You, your spouse or your dependent child being: a) called for jury duty; b) subpoenaed as a witness; or c) required to appear as a party in a judicial proceeding, scheduled during your trip. A B, E & G N/A N/A: Not Applicable

SECTION 9 - WHAT ARE THE BENEFITS?

Benefits A, B & C - Prepaid Travel Arrangements

If your covered reason entitles you to Benefits A, B or C, you will be entitled to reimbursement (subject to the maximum sum insured for each trip specified above) for:

A. The portion of your prepaid travel arrangements or rebooking fees , whichever is less, that is non-refundable and non-transferable to another date; or

B. The unused portion of your prepaid travel arrangements , that is non- refundable and non-transferable to another travel date. This does not include reimbursement for prepaid unused transportation back to your return point ; or

C. The unused portion of your prepaid travel arrangements , that is non- refundable and non-transferable to another travel date.

Note: Your entitlement to reimbursement will be reduced by the amount of any travel vouchers offered by the travel supplier , even if you have refused to accept it. Prepaid travel arrangements purchased with points from a reward program other than the Membership Rewards Program are not applicable.

Benefits D, E & F - Transportation

If your covered reason entitles you to Benefits D, E or F, you will be entitled to reimbursement (subject to the maximum sum insured for each trip ) for the extra cost of your economy class:

D. one-way transportation via the most cost-effective route to rejoin a tour or group on your trip ; or

E. one-way transportation via the most cost-effective route to your return point ; or

F. one-way transportation via the most cost-effective route to your next destination (inbound and outbound) on your trip.

Benefit G - Out-of-Pocket Expenses

G. If your covered reason entitles you to Benefit G, you will also be entitled to reimbursement subject to the maximum sums insured described in the table hereinabove, for accommodation , meals, telephone (including cell phone roaming fees), taxi and ridesharing services , for expenses incurred if your trip is interrupted or, if return home is delayed beyond your return date.

LIMITATIONS OF COVERAGE

This subsection explains conditions that may limit your entitlement to benefits under this certificate.

Payable benefits under this certificate (outlined in SECTION 9 - WHAT ARE THE BENEFITS?, for transportation and out-of-pocket expenses) must be incurred on the earliest of:

• the date when you are deemed medically fit to travel; and
• within 10 days following your originally scheduled return date if your delay is not the result of hospitalization; or
• within 30 days following your originally scheduled return date if your delay is the result of hospitalization, when the benefit is payable because of a medical condition ;
• when a cause of cancellation occurs (the event or series of events that triggers one of the covered reasons listed in SECTION 8 - WHAT ARE YOU COVERED FOR?) before your departure date , you must:
  • cancel your trip with the travel supplier immediately, but no later than the business day following the cause of cancellation, and
  • advise Global Excel at the same time.

The Insurer’s maximum liability is only limited to the amounts or portions indicated in your trip contract that are non-refundable and non-transferable to another date at the time of the cause of cancellation or on the next business day.

SECTION 10 - WHAT ASSISTANCE SERVICES ARE AVAILABLE?

If you need assistance services before or while travelling, help is one call away. Global Excel is available 24 hours a day, 7 days a week, to provide the following services wherever possible:

Emergency Call Centre. No matter where you travel, professional assistance personnel are ready to take your call. Please call Global Excel toll free at 1-800-243-0198 if in Canada or the United States, or call collect at +905-475-4822 from anywhere else in the world.

Emergency Message Centre. In case of a medical emergency , Global Excel will help exchange important messages with your immediate family , business or physician.

Claims Information. Global Excel will answer any questions you have about your claim, Global Excel’s standard verification procedures and the way that your certificate benefits are administered.

SECTION 11 - WHAT ARE YOU NOT COVERED FOR?

GENERAL EXCLUSIONS

This insurance will not pay any expenses relating to or in any way associated with:

1. Any medical condition (other than a minor ailment ) that was not stable * at any time during the 90 days before your effective date (for Trip Cancellation), or before your departure date (for Trip Interruption or Trip Delay). *Stable means any medical condition (other than a minor ailment ) for which all the following statements are true: a) there has been no new diagnosis, treatment or prescribed medication; b) there has been no change in treatment or change in medication, including the amount of medication to be taken, how often it is taken, the type of medication or change in treatment frequency or type. “Change in medication” does not include: the routine adjustment of Coumadin, Warfarin, insulin or oral medication to control diabetes, or a change from a brand medication to a generic brand medication (where there is no modification to the dosage); c) there have been no new symptoms, more frequent symptoms or more severe symptoms; d) there have been no test results showing deterioration; and e) there has been no hospitalization or referral to a specialist (made or recommended) and no waiting of results of further investigations for that medical condition.

2. Any medical condition that required the use of home oxygen at any time during the 90 days before your effective date (for Trip Cancellation), or before your departure date (for Trip Interruption or Trip Delay).

3. Any cancer for which you received chemotherapy treatment at any time during the 90 days before your effective date (for Trip Cancellation) or before your departure date (for Trip Interruption or Trip Delay).

4. Any lung condition that required treatment with oral steroids (prednisone or prednisolone) at any time during the 90 days before your effective date (for Trip Cancellation) or before your departure date (for Trip Interruption or Trip Delay).

5. Trip cancellation, trip interruption or trip delay when you are aware, on the effective date , of any reason that might reasonably prevent you from travelling as booked.

6. Trip cancellation, trip interruption or trip delay for any travel arrangements purchased after the departure date of your trip.

7. Noncompliance with any prescribed medical therapy or medical treatment (as determined by the Insurer ) or failure to carry out a physician’s instructions.

8. Any prepaid travel arrangements purchased with points from a reward program other than the Membership Rewards Program.

9. A trip undertaken to visit or attend an ailing person, when the medical condition or death of that person is the cause of the claim.

10. Routine pre-natal care.

11. If you are pregnant, your pregnancy or the birth and delivery of your child, or any complications of either, occurring in the nine weeks before or after your expected delivery date as determined by your primary care physician in your province. Note that a child born during a trip , even if born outside of the nine weeks before or after the expected delivery date, shall not be regarded as an insured person and shall not have coverage under this certificate for the entire duration of the trip in which the child is born.

12. Participation: a) as a professional athlete in a sporting event including training or practice; (Professional means a person who engages in an activity as one’s main paid occupation); b) in any motorized race or motorized speed contest; c) in scuba diving (unless you hold a basic SCUBA designation from a certified school or other licensing body), hang-gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping, mountain climbing , rodeo, heli-skiing, any downhill skiing or snowboarding outside marked trails or any cycling racing event or ski racing event.

13. Any illegal activity, fraud, or criminal activity, committed by or attempted by the insured person who has incurred the loss.

14. Your intentional self-inflicted injury , suicide or attempted suicide.

15. Abuse or overdose of a medication, drug or toxic substance; alcohol abuse, alcoholism or an accident occurring while you were operating a motorized vehicle , vessel or aircraft, while being impaired by drugs or alcohol or having an alcohol concentration that exceeds the legal limit as determined in the jurisdiction where the accident occurred.

16. Anxiety or panic attack or a state of mental or emotional stress unless such state was sufficiently severe as to require a medical consultation which resulted in a diagnosis.

17. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of a foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces.

18. Any medical condition if you undertake your trip with the prior knowledge that you will require or seek treatment , surgery, investigations, palliative care or alternative therapy of any kind, regardless of whether the treatment , surgery, investigations, palliative care or alternative therapy is related in any way to the medical condition.

19. Symptoms which would have caused an ordinarily prudent person to seek treatment or medication in the 90 days before your trip.

20. Treatment or surgery for a specific condition, or a related condition, which had caused your physician to advise you not to travel.

21. Any medical condition you suffer or contract, or any loss you incur in a specific country, region or area while a travel advisory of “Avoid non- essential travel” or “Avoid all travel” is in effect for that specific country, region or area and the travel advisory was issued by the Government of Canada before your departure date , even if the trip is undertaken for essential reasons. This exclusion only applies to medical conditions or losses which are related, directly or indirectly, to the reason for which the travel advisory was issued. If the travel advisory is issued after your departure date , your coverage under this insurance in that specific country, region or area will be restricted to a period of 10 days from the date the travel advisory was issued, or to a period that is necessary for you to safely evacuate the country, region or area, after which coverage will be limited to medical conditions or losses which are unrelated to the reason for which the travel advisory was issued, while the travel advisory remains in effect.

SECTION 12 - HOW DO YOU SUBMIT A CLAIM?

To submit a claim, please call Global Excel:

**- If in Canada or the United States, call toll free at: 1-800-243-0198

• From anywhere else in the world, call collect to: +905-475-4822**

1. When you call Global Excel , you will be given all the information required to file a claim.

2. This insurance does not cover fees charged for completing a medical certificate.

3. You must file your claim with us within 90 days from the date of the loss.

4. We require the fully completed Claim & Authorization form and original of:

   • All bills, invoices and receipts.
   • All documents (ticket stubs, vouchers, etc.) that were not used for your trip.
   • For Trip Cancellation and Trip Interruption/Trip Delay due to a medical condition , a medical certificate from the attending physician where the emergency took place, stating the diagnosis and why travel was not possible.
   • For Trip Cancellation and Trip Interruption/Trip Delay due to a medical condition , we also require a medical certificate from your regular physician in Canada, stating the diagnosis and why travel was not possible.
   • Proof of your departure date and return date. While boarding passes are preferred, we will accept a credit card receipt, airline tickets or proof of departure date from your province , provided it contains your name and the location and date of your purchase.
   • The original ticket or some other proof of your prepaid travel **arrangements , as well as the original of your unused ticket.
   • The common carrier’ s ticket and the invoices from the travel supplier.
   • All other documents requested in the Claim & Authorization form.

In addition, we may require:

• For Trip Cancellation and Trip Interruption/Trip Delay due to a death, we require a death certificate.
• For Trip Cancellation and Trip Interruption/Trip Delay due to a mechanical failure, we require a recovery company report or a garage or police report.
• For Trip Cancellation and Trip Interruption/Trip Delay due to an act of terrorism , we require a police report or a report from a similar agency.
• All correspondence with the travel supplier related to your claim.

FAILURE TO COMPLETE THE REQUIRED CLAIM & AUTHORIZATION FORM IN FULL WILL DELAY THE ASSESSMENT OF YOUR CLAIM.

WHEN MAKING A CLAIM UNDER THIS INSURANCE, YOU MUST PROVIDE THE APPLICABLE DOCUMENTS WE REQUIRE. FAILURE TO PROVIDE THE APPLICABLE DOCUMENTATION WILL INVALIDATE YOUR CLAIM.

All pertinent documents should be sent to: Global Excel Management Inc. 73 Queen Street, Sherbrooke, Quebec, J1M 0C9

SECTION 13 - WHAT ELSE DO YOU NEED TO KNOW?

This certificate evidences the agreement between you and us. Despite any other provision of this agreement, this agreement is subject to any applicable Canadian law concerning contracts of insurance. This coverage may be cancelled, changed or modified at our option or at the option of Amex Bank of Canada at any time, to the extent required by applicable law and subject to compliance with any notice requirements under applicable law. This certificate replaces any and all certificates previously issued to the Cardmember with respect to the Policy.

Other Insurance or Recovery. This insurance is a second payor plan. This means that for any loss or damage insured by, or for any claim payable under, any other liability, group or individual basic or health insurance plan or contract, including any private or provincial or territorial auto insurance plan providing hospital , medical, or therapeutic coverage, or any other insurance in force concurrently herewith, or any amounts recoverable by you under a credit card, a charge card, applicable Canadian consumer protection legislation or any other benefit or reimbursement source, amounts payable hereunder are limited to those covered benefits that are in excess of the amounts for which you are insured or otherwise entitled to recovery under such other legislation, benefit or reimbursement source. All coordination with employee related plans follows Canadian Life and Health Insurance Association Inc. guidelines. In no case will the Insurer seek to recover against employment related plans if the lifetime maximum for all in-country and out-of-country benefits is $50,000 or less.

Benefits Limited to Incurred Expenses. The total benefits paid to you from all sources cannot exceed the actual expenses which you have incurred.

Misrepresentation and Non-Disclosure. Any fraudulent statements by you in connection with a claim will result in denial of such claim, in which case no benefits will be paid.

Subrogation. If you incur expenses due to the fault of a third party, you assign to us the right to take action against the party at fault in your name. This will require your full cooperation with us and we will pay for all of the related expenses.

Additionally, if No Fault benefits or other collateral sources of payment of expenses are available to you, regardless of fault, the Insurer is granted the right to make a demand for, and recover those benefits. If the Insurer institutes an action, the Insurer may do so at its own expense, in your name, and you will attend at the place of loss to assist in the action. If you institute a demand or an action for a covered loss, you shall immediately notify the Insurer so that it may safeguard its rights. You shall take no action after a loss that will impair the rights of the Insurer set forth in the previous paragraph and shall do such things as are necessary to secure the Insurer’s rights.

Canadian Currency. Any claims paid to you will be payable in Canadian funds. If you have paid a covered expense, you will reimbursed in Canadian currency at the prevailing rate of exchange on the date that the claim payment is made to you. No sum payable shall bear interest.

Availability and Quality of Care. We are not responsible for the availability, quality or results of medical treatment or transportation, or your failure to obtain medical treatment.

Entire Agreement. This certificate is the entire contract between you and us. Despite any other provision of this contract, this contract is subject to any applicable federal and provincial statutes concerning contracts of insurance.

Group Contract. 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).

Payment of Benefits. All payments are payable to you or on your behalf. In case of your death, benefits are payable to your estate unless another beneficiary is designated in writing to us.

Rights of Examination. As a condition precedent to recovery of insurance money under the Policy,

a) if you make a claim under the Policy, you must give us an opportunity to examine you when and so often as we may reasonably require while the claim hereunder is pending, and

b) in the case of your death, we may require an autopsy, subject to any law of the applicable jurisdiction relating to autopsies.

Applicable Law. The terms of this insurance coverage shall be governed and interpreted according to the laws of the province in which you are resident.

Material Facts. No statements or representations made by employees of Amex Bank of Canada, our employees or our agents can vary the terms of this insurance coverage.

Limitation of Actions. 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), The Limitations Act (for actions or proceedings governed by the laws of Saskatchewan), or other applicable legislation. For actions or proceedings governed by the laws of Quebec, the prescriptive period is set out in the Civil Code of Quebec.

Trade and Economic Sanctions. The Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate if and to the extent that doing so would breach any Prohibition.

For the purposes of this Clause:

Prohibition means any prohibition or restriction imposed by law or regulation including but not limited to:

a) trade and/or economic sanctions laws and/or regulations of Canada, the United Kingdom, or any other jurisdiction or authority relevant to the parties; and

b) any activities that would be subject to a license requirement under those laws and/or regulations in respect of export control, unless such license has been obtained prior to the activity commencing and the Insurer has approved the provision of insurance for the activity.

IMPORTANT NOTICE ABOUT YOUR PERSONAL INFORMATION

Your privacy is important to us. To read the commitment we’ve made to protecting your privacy, and understand how we use, collect and disclose your personal information, please visit our Privacy Promise online at https://info.client.insure/privacy or request a copy by calling 1-866-941-5094. Our Privacy Promise may be updated from time to time. We encourage you to visit our website periodically to take notice of any changes.

Insurer Contact Information: Belair Insurance Company Inc. 700 University Ave, Toronto, ON M5G 0A1 1-833-964-2757

This insurance product is underwritten by Belair Insurance Company Inc. ©2025 Belair Insurance Company Inc. All rights reserved. ® “Global Excel” and the Global Excel logo are registered trademarks of Global Excel Management Inc. ®, TM: Used by Amex Bank of Canada under license from American Express.

FLIGHT AND BAGGAGE DELAY &

HOTEL BURGLARY INSURANCE

Amended and Restated Effective Date:

July 1, 2025

SECTION 1 - INTRODUCTION

Flight and Baggage Delay & Hotel Burglary Insurance for Amex Gold Rewards Cardmembers and insured persons.

Amex Bank of Canada has been issued the Policy PSI047258416 by Belair Insurance Company Inc. (the Insurer ) to cover certain losses you may incur during travel.

This Certificate of Insurance (hereinafter described as “this certificate” or “your certificate”) summarizes the provisions of the Policy applicable to your Amex Gold Rewards Card for Flight and Baggage Delay & Hotel Burglary Insurance.

SECTION 2 - IMPORTANT NOTICE - PLEASE READ CAREFULLY

• Bolded terms that are defined in this certificate can be found in SECTION 4 - DEFINITIONS. Throughout this certificate, any references to “you” and “your” mean any person qualifying as an insured person under this certificate. The words “we”, “our” and “us” mean the Insurer , or its authorized representatives or Global Excel Management Inc. (hereinafter referred to as “ Global Excel ”), the assistance and claims service provider under this certificate, as applicable.
• Flight and Baggage Delay & Hotel Burglary insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your certificate before you travel as your coverage may be subject to certain limitations or exclusions.
• The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.
• Coverage is only available if you are a resident of Canada while you are travelling.
• Benefits are payable to you as long as the cost of the ticket or the full cost of the trip is charged to the Cardmember’s Card or obtained through the redemption of points from the Membership Rewards Program. Note: Coverage will not be provided if purchased with points from a reward program other than the Membership Rewards Program.
• This certificate contains clauses which may limit the amounts payable.
• This certificate contains a provision removing or restricting the right of the group person insured to designate persons to whom or for whose benefit insurance money is to be payable.

SECTION 3 - WHAT TO DO IF YOU HAVE A LOSS?

If you have a loss, you can call Global Excel.

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

1-800-243-0198 toll-free from the US & Canada, or +905-475-4822 collect from anywhere in the world. SECTION 4 - DEFINITIONS

Throughout this certificate, bolded terms that are defined have the specific meaning described below:

Accommodation means an establishment providing commercial accommodations or in the business of operating a vacation rental marketplace and hospitality service for the general public.

Basic Cardmember means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember , provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

Burglary means the taking of or damage to your personal property as a result of unlawful entry into your accommodation premises for which there is visible evidence of forcible entry and a police report has been filed.

Card means the Amex Gold Rewards Card issued in Canada by Amex Bank of Canada.

Cardmember means a holder of a valid Basic or Supplementary Card.

Common carrier means any land, air or water conveyance which is licensed to transport passengers for hire, provided it maintains published timelines and fares. Rental vehicles, however, are not considered common carriers.

Dependent child(ren) means an unmarried natural, adopted, step or foster child, or legal ward of the Cardmember or the Cardmember’s spouse who is, on the departure date , at least 15 days old, dependent on the Cardmember or the Cardmember’s spouse for support and:

a) is under 21 years of age;

b) is a full-time student who is under 25 years of age; or

c) has a permanent physical impairment or a permanent mental disability.

Full cost means the entire cost of the trip arrangements, including taxes and fees.

Global Excel means Global Excel Management Inc., which is the assistance and claims service provider under this certificate.

Insurer means Belair Insurance Company Inc.

Personal property means the baggage and the personal articles that you own; possess or have an interest in and are taking with you on your trip.

Province means your Canadian province or territory of permanent residence.

Ridesharing services mean transportation network companies in the business of providing peer-to-peer ridesharing transportation services through digital networks or other electronic means for the general public.

Spouse means:

a) a person who is married to or has entered into a civil union with another person and is living with that person.

b) a person who is not married but has lived in a marital relationship in the same household for at least one year with another person who is publicly presented as that person’s spouse.

Supplementary Cardmember means an authorized user of the Card account.

Ticket means a ticket for a trip on a common carrier.

Trip means a journey that you take which involves travel on a common carrier.

We, our and us mean the Insurer , its authorized representatives or Global Excel , as applicable.

You, your and insured person mean any of the following persons: the Cardmember , the Cardmember’s spouse or the Cardmember’s dependent child , whether travelling together or not.

SECTION 5 - WHEN DOES COVERAGE BEGIN AND END?

This insurance coverage begins whenever you leave your province.

Coverage ends on the earliest of:

1. the date you return to your province ;
2. the date your Card account is cancelled;
3. the date your 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 Policy terminates.

SECTION 6 - WHAT ARE YOU COVERED FOR?

This insurance covers the insured person for the benefits described below, to a maximum of $500 CAD (unless otherwise stated) per trip for all insured persons combined, if the full cost of the trip or the ticket has been charged to your Card or obtained through the redemption of points from the Membership Rewards Program. Note: Coverage will not be provided if purchased with points from a reward program other than the Membership Rewards Program.

WHAT ARE THE BENEFITS?

Flight Delay/Missed Connection

If your flight is delayed or you miss a connection because of a delay of your common carrier flight, we will pay your reasonable and necessary expenses for meals and accommodations (including taxi or ridesharing services to the accommodation ) that you incur within 48 hours of the delay or missed connection if no alternative transportation is made available to you within 4 hours.

Baggage Delay

If your checked baggage is delayed by your common carrier for 6 hours or more, we will pay your reasonable and necessary expenses for the purchase of essential clothing and toiletries that you incur within 48 hours of your arrival at your destination.

Direct Flight Hijacking

If your common carrier flight is hijacked, we will pay a maximum of $1,000 per trip for all insured persons combined.

Hotel Burglary

In the event of the burglary of your personal property from your accommodation while you are on a trip , we will pay for the loss of or damage to your personal property.

SECTION 7 - WHAT ARE YOU NOT COVERED FOR?

GENERAL EXCLUSIONS

This insurance will not pay for any expenses relating to or in any way associated with:

1. Cash, credit cards, other travel credit, tickets of any kind, or other documents.

2. Any illegal activity, fraud, or criminal activity, committed by or attempted by the insured person who has incurred the loss.

3. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of a foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces.

4. Any specific country, region or area while a travel advisory of “Avoid non-essential travel” or “Avoid all travel” is in effect for that specific country, region or area and the travel advisory was issued by the Government of Canada before your departure date. This exclusion only applies to losses which are related, directly or indirectly, to the reason for which the travel advisory was issued. If the travel advisory is issued after your departure date , your coverage under this insurance in that specific country, region or area will be restricted to a period of 10 days from the date the travel advisory was issued, or to a period that is necessary for you to safely evacuate the country, region or area.

SECTION 8 - HOW DO YOU SUBMIT A CLAIM?

To submit a claim, please call Global Excel:

**- If in Canada or the United States, call toll free at: 1-800-243-0198

• From anywhere else in the world, call collect to: +905-475-4822**

1. When you call Global Excel , you will be given all the information required to file a claim.

2. You must file your claim with us within 30 days of the loss.

3. We require the fully completed Claim & Authorization form, and original bills, invoices and receipts.

4. For Flight Delay/Missed Connection and Baggage Delay, you must also provide:

   • Proof that the full cost of the trip or the ticket was charged to your Card or obtained through the redemption of points from the Membership Rewards Program.
   • A copy of your ticket.
   • A report from the common carrier stating the reason for the delay or missed connection.
   • An itemized list of your expenses.

5. For Hotel Burglary, you must also provide:

   • Visible evidence of forcible entry into your accommodation.
   • A police report from the place where the burglary occurred.
   • A report from the manager or owner of the accommodation where the burglary occurred.
   • An itemized list and proof of value of the personal property which was the subject of the burglary.

FAILURE TO COMPLETE THE REQUIRED CLAIM & AUTHORIZATION FORM IN FULL WILL DELAY THE ASSESSMENT OF YOUR CLAIM.

WHEN MAKING A CLAIM UNDER THIS INSURANCE, YOU MUST PROVIDE THE APPLICABLE DOCUMENTS WE REQUIRE. FAILURE TO PROVIDE THE APPLICABLE DOCUMENTATION WILL INVALIDATE YOUR CLAIM.

All pertinent documents should be sent to: Global Excel Management Inc. 73 Queen Street, Sherbrooke, Quebec, J1M 0C9

SECTION 9 - WHAT ELSE DO YOU NEED TO KNOW?

This certificate evidences the agreement between you and us. Despite any other provision of this agreement, this agreement is subject to any applicable Canadian law concerning contracts of insurance. This coverage may be cancelled, changed or modified at our option or at the option of Amex Bank of Canada at any time, to the extent required by applicable law and subject to compliance with any notice requirements under applicable law. This certificate replaces any and all certificates previously issued to the Cardmember with respect to the Policy.

Other Insurance or Recovery. If you have any other insurance in force concurrently herewith, or any amounts recoverable by you under a credit card, charge card, applicable Canadian consumer protection legislation or any other benefit or reimbursement source, amounts payable hereunder are limited to those covered benefits that are in excess of the amounts for which you are insured or otherwise entitled to recovery under such other legislation, benefit or reimbursement source.

Benefits Limited to Incurred Expenses. The total benefits paid to you from all sources cannot exceed the actual expenses which you have incurred.

Misrepresentation and Non-Disclosure. Any fraudulent statements by you in connection with a claim will result in denial of such claim, in which case no benefits will be paid.

Subrogation. If you incur expenses due to the fault of a third party, you assign to us the right to take action against the party at fault in your name. This will require your full cooperation with us and we will pay for all of the related expenses.

Additionally, if No Fault benefits or other collateral sources of payment of expenses are available to you, regardless of fault, the Insurer is granted the right to make a demand for, and recover those benefits. If the Insurer institutes an action, the Insurer may do so at its own expense, in your name, and you will attend at the place of loss to assist in the action. If you institute a demand or an action for a covered loss, you shall immediately notify the Insurer so that it may safeguard its rights. You shall take no action after a loss that will impair the rights of the Insurer set forth in the previous paragraph and shall do such things as are necessary to secure the Insurer’s rights.

Canadian Currency. Any claims paid to you will be payable in Canadian funds. If you have paid a covered expense, you will reimbursed in Canadian currency at the prevailing rate of exchange on the date that the claim payment is made to you. No sum payable shall bear interest.

Entire Agreement. This certificate is the entire contract between you and us. Despite any other provision of this contract, this contract is subject to any applicable federal and provincial statutes concerning contracts of insurance.

Group Contract. 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).

Payment of Benefits. All payments are payable to you or on your behalf. In case of your death, benefits are payable to your estate unless another beneficiary is designated in writing to us.

Rights of Examination. As a condition precedent to recovery of insurance money under the Policy,

a) if you make a claim under the Policy, you must give us an opportunity to examine you when and so often as we may reasonably require while the claim hereunder is pending, and

b) in the case of your death, we may require an autopsy, subject to any law of the applicable jurisdiction relating to autopsies.

Applicable Law. The terms of this insurance coverage shall be governed and interpreted according to the laws of the province in which you are resident.

Material Facts. No statements or representations made by employees of Amex Bank of Canada, our employees or our agents can vary the terms of this insurance coverage.

Limitation of Actions. 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), The Limitations Act (for actions or proceedings governed by the laws of Saskatchewan), or other applicable legislation. For actions or proceedings governed by the laws of Quebec, the prescriptive period is set out in the Civil Code of Quebec.

Trade and Economic Sanctions. The Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate if and to the extent that doing so would breach any Prohibition.

For the purposes of this Clause:

Prohibition means any prohibition or restriction imposed by law or regulation including but not limited to:

a) trade and/or economic sanctions laws and/or regulations of Canada, the United Kingdom, or any other jurisdiction or authority relevant to the parties; and

b) any activities that would be subject to a license requirement under those laws and/or regulations in respect of export control, unless such license has been obtained prior to the activity commencing and the Insurer has approved the provision of insurance for the activity.

IMPORTANT NOTICE ABOUT YOUR PERSONAL INFORMATION

Your privacy is important to us. To read the commitment we’ve made to protecting your privacy, and understand how we use, collect and disclose your personal information, please visit our Privacy Promise online at https://info.client.insure/privacy or request a copy by calling 1-866-941-5094. Our Privacy Promise may be updated from time to time. We encourage you to visit our website periodically to take notice of any changes.

Insurer Contact Information: Belair Insurance Company Inc. 700 University Ave, Toronto, ON M5G 0A1 1-833-964-2757

This insurance product is underwritten by Belair Insurance Company Inc. ©2025 Belair Insurance Company Inc. All rights reserved. ® “Global Excel” and the Global Excel logo are registered trademarks of Global Excel Management Inc. ®, TM: Used by Amex Bank of Canada under license from American Express.

LOST OR STOLEN BAGGAGE

INSURANCE

Amended and Restated Effective Date:

July 1, 2025

SECTION 1 - INTRODUCTION

Lost or Stolen Baggage Insurance for Amex Cardmembers and insured persons.

Amex Bank of Canada has been issued the Policy PSI047258450 by Belair Insurance Company Inc. (the Insurer ) to cover the loss of or damage to your personal property during a trip.

This Certificate of Insurance (hereinafter described as “this certificate” or “your certificate”) summarizes the provisions of the Policy applicable to your Amex Card for Lost or Stolen Baggage Insurance.

SECTION 2 - IMPORTANT NOTICE - PLEASE READ CAREFULLY

• Bolded terms that are defined in this certificate can be found in SECTION 4 - DEFINITIONS. Throughout this certificate, any references to “you” and “your” mean any person qualifying as an insured person under this certificate. The words “we”, “our” and “us” mean the Insurer , or its authorized representatives or Global Excel Management Inc. (hereinafter referred to as “ Global Excel ”), the assistance and claims service provider under this certificate, as applicable.
• Lost or Stolen Baggage insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your certificate before you travel as your coverage may be subject to certain limitations or exclusions.
• The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.
• Coverage is only available if you are a resident of Canada while you are travelling.
• Benefits are payable to you as long as the full cost of the trip or the ticket is charged to the Cardmember’s Card or obtained through the redemption of points from the Membership Rewards Program. Note: Coverage will not be provided if purchased with points from a reward program other than the Membership Rewards Program.
• This certificate contains clauses which may limit the amounts payable.
• This certificate contains a provision removing or restricting the right of the group person insured to designate persons to whom or for whose benefit insurance money is to be payable.

SECTION 3 - WHAT TO DO IF YOU HAVE A LOSS?

If you have a loss, you can call Global Excel.

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

1-800-243-0198 toll-free from the US & Canada, or +905-475-4822 collect from anywhere in the world. SECTION 4 - DEFINITIONS

Throughout this certificate, bolded terms that are defined have the specific meaning described below:

Basic Cardmember means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember , provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

Card means The American Express® Gold Rewards Card issued in Canada by Amex Bank of Canada.

Cardmember means a holder of a valid Basic or Supplementary Card.

Common carrier means any land, air or water conveyance which is licensed to transport passengers for hire, provided it maintains published timelines and fares. Rental vehicles, however, are not considered common carriers.

Dependent child(ren) means an unmarried natural, adopted, step or foster child, or legal ward of the Cardmember or the Cardmember’s spouse who is, on the departure date , at least 15 days old, dependent on the Cardmember or the Cardmember’s spouse for support and:

a) is under 21 years of age;

b) is a full-time student who is under 25 years of age; or

c) has a permanent physical impairment or a permanent mental disability.

Full cost means the entire cost of the trip arrangements, including taxes and fees.

Global Excel means Global Excel Management Inc., which is the assistance and claims service provider under this certificate.

Insurer means Belair Insurance Company Inc.

Personal property means the baggage and the personal articles that you own, possess or have an interest in and are taking with you on your trip.

Province means your Canadian province or territory of permanent residence.

Spouse means:

a) a person who is married to or has entered into a civil union with another person and is living with that person.

b) a person who is not married but has lived in a marital relationship in the same household for at least one year with another person who is publicly presented as that person’s spouse.

Supplementary Cardmember means an authorized user of the Card account.

Ticket means a ticket for a trip on a common carrier.

Trip means a journey that you take which involves travel on a common carrier.

We, our and us mean the Insurer , its authorized representatives or Global Excel , as applicable.

You, your and insured person mean any of the following persons: the Cardmember , the Cardmember’s spouse or the Cardmember’s dependent child , whether travelling together or not.

SECTION 5 - WHEN DOES COVERAGE BEGIN AND END?

This insurance coverage begins whenever you leave your province.

Coverage ends on the earliest of:

1. the date you return to your province ;
2. the date your Card account is cancelled;
3. the date your 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 Policy terminates.

SECTION 6 - WHAT ARE YOU COVERED FOR?

This insurance covers the insured person for the loss of or damage to your personal property during your trip.

The Insurer will pay for the loss of or damage to your personal property (by the common carrier or by theft), to a maximum of $500 CAD per trip for all insured persons combined, if the full cost of the trip or the ticket has been charged to your Card or obtained through the redemption of points from the Membership Rewards Program. Note: Coverage will not be provided if purchased with points from a reward program other than the Membership Rewards Program.

The Insurer will pay the lesser of:

1. the actual cash value of the personal property at the time of the loss;
2. the cost to repair the personal property ; and 3. the cost to replace the personal property with material of like kind and quality.

There is a maximum limit of $250 CAD per trip for all insured persons combined for any one item of personal property.

SECTION 7 - WHAT ARE YOU NOT COVERED FOR?

GENERAL EXCLUSIONS

This insurance will not pay for any expenses relating to or in any way associated with:

1. Jewelry, watches, silverware, cameras and their accessories, fur or items made of fur, and other items of high value.

2. Cash, credit cards, other travel credit, tickets of any kind, or other documents.

3. Personal property that is lost or stolen while in your care.

4. Loss or damage to personal property as a result of normal wear and tear, gradual deterioration, vermin, atmospheric conditions, or any process of cleaning, repairing or restoring.

5. Items or property of a commercial nature.

6. Any illegal activity, fraud, or criminal activity, committed by or attempted by the insured person who has incurred the loss.

7. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of a foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces.

8. Any specific country, region or area while a travel advisory of “Avoid non-essential travel” or “Avoid all travel” is in effect for that specific country, region or area and the travel advisory was issued by the Government of Canada before your departure date. This exclusion only applies to losses which are related, directly or indirectly, to the reason for which the travel advisory was issued. If the travel advisory is issued after your departure date , your coverage under this insurance in that specific country, region or area will be restricted to a period of 10 days from the date the travel advisory was issued, or to a period that is necessary for you to safely evacuate the country, region or area.

SECTION 8 - HOW DO YOU SUBMIT A CLAIM?

To submit a claim, please call Global Excel:

**- If in Canada or the United States, call toll free at: 1-800-243-0198

• From anywhere else in the world, call collect to: +905-475-4822**

1. When you call Global Excel , you will be given all the information required to file a claim.

2. You must file your claim with us within 30 days of the loss.

3. We require the fully completed Claim & Authorization form and original bills, invoices and receipts.

4. You must also provide:

   • Proof that the full cost of the trip or the ticket was charged to your Card or obtained through the redemption of points from the Membership Rewards Program.
   • A copy of your ticket.
   • If the loss or damage was caused by the common carrier , you must provide the original baggage check and a copy of the property irregularity report (PIR) from the common carrier.
   • If the loss or damage was caused by theft, you must provide a police report from the place where the theft occurred.

• An itemized list and proof of value of the personal property which was lost, stolen or damaged.
• A statement from your home, tenants or other insurer about your claim. If you do not have other insurance, we require a sworn statement.

FAILURE TO COMPLETE THE REQUIRED CLAIM & AUTHORIZATION FORM IN FULL WILL DELAY THE ASSESSMENT OF YOUR CLAIM.

WHEN MAKING A CLAIM UNDER THIS INSURANCE, YOU MUST PROVIDE THE APPLICABLE DOCUMENTS WE REQUIRE. FAILURE TO PROVIDE THE APPLICABLE DOCUMENTATION WILL INVALIDATE YOUR CLAIM.

All pertinent documents should be sent to: Global Excel Management Inc. 73 Queen Street, Sherbrooke, Quebec, J1M 0C9

SECTION 9 - WHAT ELSE DO YOU NEED TO KNOW?

This certificate evidences the agreement between you and us. Despite any other provision of this agreement, this agreement is subject to any applicable Canadian law concerning contracts of insurance. This coverage may be cancelled, changed or modified at our option or at the option of Amex Bank of Canada at any time, to the extent required by applicable law and subject to compliance with any notice requirements under applicable law. This certificate replaces any and all certificates previously issued to the Cardmember with respect to the Policy.

Other Insurance or Recovery. If you have any other insurance in force concurrently herewith, or any amounts recoverable by you under a credit card, charge card, applicable Canadian consumer protection legislation or any other benefit or reimbursement source, amounts payable hereunder are limited to those covered benefits that are in excess of the amounts for which you are insured or otherwise entitled to recovery under such other legislation, benefit or reimbursement source.

Benefits Limited to Incurred Expenses. The total benefits paid to you from all sources cannot exceed the actual expenses which you have incurred.

Misrepresentation and Non-Disclosure. Any fraudulent statements by you in connection with a claim will result in denial of such claim, in which case no benefits will be paid.

Subrogation. If you incur expenses due to the fault of a third party, you assign to us the right to take action against the party at fault in your name. This will require your full cooperation with us and we will pay for all of the related expenses.

Additionally, if No Fault benefits or other collateral sources of payment of expenses are available to you, regardless of fault, the Insurer is granted the right to make a demand for, and recover those benefits. If the Insurer institutes an action, the Insurer may do so at its own expense, in your name, and you will attend at the place of loss to assist in the action. If you institute a demand or an action for a covered loss, you shall immediately notify the Insurer so that it may safeguard its rights. You shall take no action after a loss that will impair the rights of the Insurer set forth in the previous paragraph and shall do such things as are necessary to secure the Insurer’s rights.

Canadian Currency. Any claims paid to you will be payable in Canadian funds. If you have paid a covered expense, you will reimbursed in Canadian currency at the prevailing rate of exchange on the date that the claim payment is made to you. No sum payable shall bear interest.

Entire Agreement. This certificate is the entire contract between you and us. Despite any other provision of this contract, this contract is subject to any applicable federal and provincial statutes concerning contracts of insurance.

Group Contract. 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).

Payment of Benefits. All payments are payable to you or on your behalf. In case of your death, benefits are payable to your estate unless another beneficiary is designated in writing to us.

Rights of Examination. As a condition precedent to recovery of insurance money under the Policy,

a) if you make a claim under the Policy, you must give us an opportunity to examine you when and so often as we may reasonably require while the claim hereunder is pending, and

b) in the case of your death, we may require an autopsy, subject to any law of the applicable jurisdiction relating to autopsies.

Applicable Law. The terms of this insurance coverage shall be governed and interpreted according to the laws of the province in which you are resident.

Material Facts. No statements or representations made by employees of Amex Bank of Canada, our employees or our agents can vary the terms of this insurance coverage.

Limitation of Actions. 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), The Limitations Act (for actions or proceedings governed by the laws of Saskatchewan), or other applicable legislation. For actions or proceedings governed by the laws of Quebec, the prescriptive period is set out in the Civil Code of Quebec.

Trade and Economic Sanctions. The Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate if and to the extent that doing so would breach any Prohibition.

For the purposes of this Clause:

Prohibition means any prohibition or restriction imposed by law or regulation including but not limited to:

a) trade and/or economic sanctions laws and/or regulations of Canada, the United Kingdom, or any other jurisdiction or authority relevant to the parties; and

b) any activities that would be subject to a license requirement under those laws and/or regulations in respect of export control, unless such license has been obtained prior to the activity commencing and the Insurer has approved the provision of insurance for the activity.

IMPORTANT NOTICE ABOUT YOUR PERSONAL INFORMATION

Your privacy is important to us. To read the commitment we’ve made to protecting your privacy, and understand how we use, collect and disclose your personal information, please visit our Privacy Promise online at https://info.client.insure/privacy or request a copy by calling 1-866-941-5094. Our Privacy Promise may be updated from time to time. We encourage you to visit our website periodically to take notice of any changes.

Insurer Contact Information: Belair Insurance Company Inc. 700 University Ave, Toronto, ON M5G 0A1 1-833-964-2757

This insurance product is underwritten by Belair Insurance Company Inc. ©2025 Belair Insurance Company Inc. All rights reserved. ® “Global Excel” and the Global Excel logo are registered trademarks of Global Excel Management Inc. ®, TM: Used by Amex Bank of Canada under license from American Express.

TRAVEL ACCIDENT INSURANCE

Amended and Restated Effective Date:

July 1, 2025

SECTION 1 - INTRODUCTION

Travel Accident Insurance for Amex Cardmembers and insured persons.

Amex Bank of Canada has been issued the Policy PSI047258386 by Belair Insurance Company Inc. (the Insurer ) to cover certain losses you may incur during travel.

This Certificate of Insurance (hereinafter described as “this certificate” or “your certificate”) summarizes the provisions of the Policy applicable to your Amex Card for Travel Accident Insurance.

SECTION 2 - IMPORTANT NOTICE - PLEASE READ CAREFULLY

• Bolded terms that are defined in this certificate can be found in SECTION 4 - DEFINITIONS. Throughout this certificate, any references to “you” and “your” mean any person qualifying as an insured person under this certificate. The words “we”, “our” and “us” mean the Insurer.
• Travel Accident Insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your certificate before you travel as your coverage may be subject to certain limitations or exclusions.
• The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.
• Coverage is only available if you are a resident of Canada while you are travelling.
• Benefits are payable to you as long as the cost of the ticket is charged to the Cardmember’s Card or obtained through the redemption of points from the Membership Rewards Program. Note: Coverage will not be provided if purchased with points from a reward program other than the Membership Rewards Program.
• This certificate contains clauses which may limit the amounts payable.
• This certificate contains a provision removing or restricting the right of the group person insured to designate persons to whom or for whose benefit insurance money is to be payable.

SECTION 3 - WHAT TO DO IF YOU HAVE A LOSS?

If you have a loss, you can call Global Excel.

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

1-800-243-0198 toll-free from the US & Canada, or +905-475-4822 collect from anywhere in the world. SECTION 4 - DEFINITIONS

Throughout this certificate, bolded terms that are defined have the specific meaning described below:

Accident means a fortuitous, sudden, unforeseen and unintentional event exclusively attributable to an external cause resulting in injury.

Basic Cardmember means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember , provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

Card means The American Express® Gold Rewards Card issued in Canada by Amex Bank of Canada.

Cardmember means a holder of a valid Basic or Supplementary Card.

Common carrier means any land, air or water conveyance which is licensed to transport passengers for hire, provided it maintains published timelines and fares. Rental vehicles, however, are not considered common carriers.

Dependent child(ren) means an unmarried natural, adopted, step or foster child, or legal ward of the Cardmember or the Cardmember’s spouse who is, on the date of the accident , at least 15 days old, dependent on the Cardmember or the Cardmember’s spouse for support and:

a) is under 21 years of age;

b) is a full-time student who is under 25 years of age; or

c) has a permanent physical impairment or a permanent mental disability.

Insurer means Belair Insurance Company Inc.

Injury means an unexpected and unforeseen harm to the body caused by an accident.

Province means your Canadian province or territory of permanent residence.

Spouse means:

a) a person who is married to or has entered into a civil union with another person and is living with that person.

b) a person who is not married but has lived in a marital relationship in the same household for at least one year with another person who is publicly presented as that person’s spouse.

Supplementary Cardmember means an authorized user of the Card account.

Ticket means a ticket for a trip on a common carrier.

Trip means a journey that you take which involves travel on a common carrier.

We, our and us mean the Insurer.

You, your and insured person mean any of the following persons: the Cardmember , the Cardmember’s spouse or the Cardmember’s dependent child , whether travelling together or not.

SECTION 5 - WHEN DOES COVERAGE BEGIN AND END?

This insurance coverage is in effect while you are a passenger on a common carrier (including while you are boarding or alighting from the common carrier ) or while you are at the airport, station or terminal for the purpose of boarding or alighting from the common carrier.

Coverage ends on the earliest of:

1. the date your Card account is cancelled;
2. the date your Card privileges are terminated;
3. 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;
4. the date the Policy terminates.

SECTION 6 - WHAT ARE YOU COVERED FOR?

This insurance covers the insured person for a loss described in the table below that is resulting from an injury caused by an accident.

The Insurer will pay for the loss that occurs within 365 days of the accident , to a maximum of $500,000 CAD per insured person , per trip , if the cost of the ticket has been charged to your Card or obtained through the redemption of points from the Membership Rewards Program. Note: Coverage will not be provided if purchased with points from a reward program other than the Membership Rewards Program.

WHAT ARE THE BENEFITS?

LOSS BENEFIT Loss of life $500,000 Loss of both hands or both feet $500,000 Loss of one hand and one foot $500,000 Loss of the entire sight of both eyes $500,000 Loss of one hand and the entire sight of one eye $500,000 Loss of one foot and the entire sight of one eye $500,000 Loss of one hand or one foot $250,000 Loss of the entire sight of one eye $250,000 Loss of a hand or a foot means the severance at or above the wrist or ankle joint. Loss of sight means the entire and irrecoverable loss of sight.

If you suffer more than one loss from the same accident , the Insurer will only pay the single largest benefit.

The maximum benefit that will be paid for all insured persons for any one accident is $5,000,000 CAD. If the total of all claims exceeds this amount, the claims will be reduced on a pro rata basis.

Exposure and Disappearance

If you are unavoidable exposed to the elements as a result of an accident involving a common carrier and you suffer a loss as a result of that exposure, you will be covered for that loss.

If you disappear as a result of an accident involving a common carrier and your body is not found within 365 days of the accident , you will be presumed to have died and the Insurer will pay the benefit for the loss of life.

SECTION 7 - WHAT ARE YOU NOT COVERED FOR?

GENERAL EXCLUSIONS

This insurance will not pay for any expenses relating to or in any way associated with:

1. Your sickness or a disease of any kind.

2. Any illegal activity, fraud, or criminal activity, committed by or attempted by the insured person who has incurred the loss.

3. Your intentional self-inflicted injury , suicide or attempted suicide.

4. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of a foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces.

SECTION 8 - HOW DO YOU SUBMIT A CLAIM?

To submit a claim, please call Global Excel:

**- If in Canada or the United States, call toll free at: 1-800-243-0198

• From anywhere else in the world, call collect to: +905-475-4822**

1. When you call Global Excel , you will be given all the information required to file a claim.

2. You must file your claim with us within 30 days of the loss.

3. We require the fully completed Claim & Authorization form and original bills, invoices and receipts.

4. You must also provide:

   • Proof that the cost of the ticket was charged to your Card or obtained through the redemption of points from the Membership Rewards Program.
   • A copy of your ticket.
   • If the loss was caused by an accident , you must provide a report of the accident.
   • For loss of life, we require a death certificate.
   • For all other losses, we require a medical certificate from the attending physician stating the diagnosis and the extent of the loss.

FAILURE TO COMPLETE THE REQUIRED CLAIM & AUTHORIZATION FORM IN FULL WILL DELAY THE ASSESSMENT OF YOUR CLAIM.

WHEN MAKING A CLAIM UNDER THIS INSURANCE, YOU MUST PROVIDE THE APPLICABLE DOCUMENTS WE REQUIRE. FAILURE TO PROVIDE THE APPLICABLE DOCUMENTATION WILL INVALIDATE YOUR CLAIM.

All pertinent documents should be sent to: Global Excel Management Inc. 73 Queen Street, Sherbrooke, Quebec, J1M 0C9

SECTION 9 - WHAT ELSE DO YOU NEED TO KNOW?

This certificate evidences the agreement between you and us. Despite any other provision of this agreement, this agreement is subject to any applicable Canadian law concerning contracts of insurance. This coverage may be cancelled, changed or modified at our option or at the option of Amex Bank of Canada at any time, to the extent required by applicable law and subject to compliance with any notice requirements under applicable law. This certificate replaces any and all certificates previously issued to the Cardmember with respect to the Policy.

Other Insurance or Recovery. If you have any other insurance in force concurrently herewith, or any amounts recoverable by you under a credit card, charge card, applicable Canadian consumer protection legislation or any other benefit or reimbursement source, amounts payable hereunder are limited to those covered benefits that are in excess of the amounts for which you are insured or otherwise entitled to recovery under such other legislation, benefit or reimbursement source.

Misrepresentation and Non-Disclosure. Any fraudulent statements by you in connection with a claim will result in denial of such claim, in which case no benefits will be paid.

Subrogation. If you incur expenses due to the fault of a third party, you assign to us the right to take action against the party at fault in your name. This will require your full cooperation with us and we will pay for all of the related expenses.

Additionally, if No Fault benefits or other collateral sources of payment of expenses are available to you, regardless of fault, the Insurer is granted the right to make a demand for, and recover those benefits. If the Insurer institutes an action, the Insurer may do so at its own expense, in your name, and you will attend at the place of loss to assist in the action. If you institute a demand or an action for a covered loss, you shall immediately notify the Insurer so that it may safeguard its rights. You shall take no action after a loss that will impair the rights of the Insurer set forth in the previous paragraph and shall do such things as are necessary to secure the Insurer’s rights.

Canadian Currency. Any claims paid to you will be payable in Canadian funds. If you have paid a covered expense, you will reimbursed in Canadian currency at the prevailing rate of exchange on the date that the claim payment is made to you. No sum payable shall bear interest.

Entire Agreement. This certificate is the entire contract between you and us. Despite any other provision of this contract, this contract is subject to any applicable federal and provincial statutes concerning contracts of insurance.

Group Contract. 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).

Payment of Benefits. All payments are payable to you or on your behalf. In case of your death, benefits are payable to your estate unless another beneficiary is designated in writing to us.

Rights of Examination. As a condition precedent to recovery of insurance money under the Policy,

a) if you make a claim under the Policy, you must give us an opportunity to examine you when and so often as we may reasonably require while the claim hereunder is pending, and

b) in the case of your death, we may require an autopsy, subject to any law of the applicable jurisdiction relating to autopsies.

Applicable Law. The terms of this insurance coverage shall be governed and interpreted according to the laws of the province in which you are resident.

Material Facts. No statements or representations made by employees of Amex Bank of Canada, our employees or our agents can vary the terms of this insurance coverage.

Limitation of Actions. 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), The Limitations Act (for actions or proceedings governed by the laws of Saskatchewan), or other applicable legislation. For actions or proceedings governed by the laws of Quebec, the prescriptive period is set out in the Civil Code of Quebec.

Trade and Economic Sanctions. The Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate if and to the extent that doing so would breach any Prohibition.

For the purposes of this Clause:

Prohibition means any prohibition or restriction imposed by law or regulation including but not limited to:

a) trade and/or economic sanctions laws and/or regulations of Canada, the United Kingdom, or any other jurisdiction or authority relevant to the parties; and

b) any activities that would be subject to a license requirement under those laws and/or regulations in respect of export control, unless such license has been obtained prior to the activity commencing and the Insurer has approved the provision of insurance for the activity.

IMPORTANT NOTICE ABOUT YOUR PERSONAL INFORMATION

Your privacy is important to us. To read the commitment we’ve made to protecting your privacy, and understand how we use, collect and disclose your personal information, please visit our Privacy Promise online at https://info.client.insure/privacy or request a copy by calling 1-866-941-5094. Our Privacy Promise may be updated from time to time. We encourage you to visit our website periodically to take notice of any changes.

Insurer Contact Information: Belair Insurance Company Inc. 700 University Ave, Toronto, ON M5G 0A1 1-833-964-2757

This insurance product is underwritten by Belair Insurance Company Inc. ©2025 Belair Insurance Company Inc. All rights reserved. ® “Global Excel” and the Global Excel logo are registered trademarks of Global Excel Management Inc. ®, TM: Used by Amex Bank of Canada under license from American Express.

CAR RENTAL THEFT AND DAMAGE

INSURANCE

Amended and Restated Effective Date:

July 1, 2025

SECTION 1 - INTRODUCTION

Car Rental Theft and Damage Insurance for Amex Gold Rewards Cardmembers.

Amex Bank of Canada has been issued the Policy PSI047258352 by Belair Insurance Company Inc. (the Insurer ) to cover the loss of or damage to a rental auto during a rental period.

This Certificate of Insurance (hereinafter described as “this certificate” or “your certificate”) summarizes the provisions of the Policy applicable to your Amex Gold Rewards Card for Car Rental Theft and Damage Insurance.

SECTION 2 - IMPORTANT NOTICE - PLEASE READ CAREFULLY

• Bolded terms that are defined in this certificate can be found in SECTION 4 - DEFINITIONS. Throughout this certificate, any references to “you” and “your” mean any person qualifying as an insured person under this certificate. The words “we”, “our” and “us” mean the Insurer , or its authorized representatives or Global Excel Management Inc. (hereinafter referred to as “ Global Excel ”), the assistance and claims service provider under this certificate, as applicable.
• Car Rental Theft and Damage insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your certificate before you travel as your coverage may be subject to certain limitations or exclusions.
• The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.
• Coverage is only available if you are a resident of Canada.
• Benefits are payable to you as long as the cost of the rental auto is charged to the Cardmember’s Card or obtained through the redemption of points from the Membership Rewards Program. Note: Coverage will not be provided if purchased with points from a reward program other than the Membership Rewards Program.
• This certificate contains clauses which may limit the amounts payable.
• This certificate contains a provision removing or restricting the right of the group person insured to designate persons to whom or for whose benefit insurance money is to be payable.

SECTION 3 - WHAT TO DO IF YOU HAVE A LOSS?

If you have a loss, you must call Global Excel before you receive any repair services for the rental auto.

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

1-800-243-0198 toll-free from the US & Canada, or +905-475-4822 collect from anywhere in the world. SECTION 4 - DEFINITIONS

Throughout this certificate, bolded terms that are defined have the specific meaning described below:

Basic Cardmember means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember , provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

Card means the Amex Gold Rewards Card issued in Canada by Amex Bank of Canada.

Cardmember means a holder of a valid Basic or Supplementary Card.

Global Excel means Global Excel Management Inc., which is the assistance and claims service provider under this certificate.

Insurer means Belair Insurance Company Inc.

Province means your Canadian province or territory of permanent residence.

Rental agency means an auto rental agency licensed to rent vehicles to the general public.

Rental agreement means the written contract between you and the rental agency for the rental of the rental auto.

Rental auto means a private passenger automobile, minivan, or sport utility vehicle (SUV) that you rent from a rental agency. Rental auto does not include: a) any vehicle with a manufacturer’s suggested retail price (MSRP) over $85,000 CAD; b) any exotic vehicle, including but not limited to, Aston Martin, Bentley, Ferrari, Lamborghini, Lotus, Maserati, and Rolls Royce; c) any truck, van, or bus that is not a minivan or SUV; d) any motorcycle, moped, or motorbike; e) any recreational vehicle (RV), camper, or trailer; f) any antique vehicle (a vehicle that is over 20 years old or has not been manufactured for over 10 years).

Rental period means the period of time for which you have rented the rental auto from the rental agency , not to exceed 48 consecutive days.

Spouse means:

a) a person who is married to or has entered into a civil union with another person and is living with that person.

b) a person who is not married but has lived in a marital relationship in the same household for at least one year with another person who is publicly presented as that person’s spouse.

Supplementary Cardmember means an authorized user of the Card account.

We, our and us mean the Insurer.

You, your and insured person mean any of the following persons: the Cardmember , the Cardmember’s spouse or the Cardmember’s dependent child.

SECTION 5 - WHEN DOES COVERAGE BEGIN AND END?

This insurance coverage is in effect during the rental period.

Coverage ends on the earliest of:

1. the date the rental period ends;
2. the date your Card account is cancelled;
3. the date your 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 Policy terminates.

SECTION 6 - WHAT ARE YOU COVERED FOR?

This insurance covers the insured person for the theft of or damage to a rental auto during the rental period.

The Insurer will pay for the loss or damage to the rental auto , to a maximum of $85,000 CAD per rental period.

The Insurer will pay for:

1. the cost to repair the rental auto ;
2. the actual cash value of the rental auto at the time of the loss if the rental auto is stolen or cannot be repaired;
3. the reasonable loss of use charges (the amount the rental agency loses because the rental auto is being repaired and cannot be rented).

SECTION 7 - WHAT ARE YOU NOT COVERED FOR?

GENERAL EXCLUSIONS

This insurance will not pay for any expenses relating to or in any way associated with:

1. Any vehicle that is not a rental auto.

2. Any loss or damage that occurs while the rental auto is being operated: a) by anyone other than an insured person ; b) in violation of the rental agreement ; c) while the operator is impaired by drugs or alcohol or has an alcohol concentration that exceeds the legal limit; d) in any illegal activity, fraud, or criminal activity.

3. Any loss or damage to the rental auto due to normal wear and tear, gradual deterioration, or mechanical failure (unless the mechanical failure causes the damage).

4. Any loss or damage to the rental auto due to any process of cleaning, repairing or restoring.

5. Any loss or damage to the rental auto that occurs while the rental auto is off-road (on a road that is not a gazetted public road).

6. Any loss or damage to the rental auto that occurs while the rental auto is being used for commercial purposes.

7. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of a foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces.

SECTION 8 - HOW DO YOU SUBMIT A CLAIM?

To submit a claim, please call Global Excel:

**- If in Canada or the United States, call toll free at: 1-800-243-0198

• From anywhere else in the world, call collect to: +905-475-4822**

1. When you call Global Excel , you will be given all the information required to file a claim.

2. You must file your claim with us within 30 days of the loss.

3. We require the fully completed Claim & Authorization form and original bills, invoices and receipts.

4. You must also provide:

   • Proof that the cost of the rental auto was charged to your Card or obtained through the redemption of points from the Membership Rewards Program.
   • A copy of the rental agreement.
   • A copy of the police report if the rental auto was stolen or involved in an accident.
   • A copy of the repair estimate or the final repair bill.
   • A copy of the rental agency’s incident report.

FAILURE TO COMPLETE THE REQUIRED CLAIM & AUTHORIZATION FORM IN FULL WILL DELAY THE ASSESSMENT OF YOUR CLAIM.

WHEN MAKING A CLAIM UNDER THIS INSURANCE, YOU MUST PROVIDE THE APPLICABLE DOCUMENTS WE REQUIRE. FAILURE TO PROVIDE THE APPLICABLE DOCUMENTATION WILL INVALIDATE YOUR CLAIM.

All pertinent documents should be sent to: Global Excel Management Inc. 73 Queen Street, Sherbrooke, Quebec, J1M 0C9

SECTION 9 - WHAT ELSE DO YOU NEED TO KNOW?

This certificate evidences the agreement between you and us. Despite any other provision of this agreement, this agreement is subject to any applicable Canadian law concerning contracts of insurance. This coverage may be cancelled, changed or modified at our option or at the option of Amex Bank of Canada at any time, to the extent required by applicable law and subject to compliance with any notice requirements under applicable law. This certificate replaces any and all certificates previously issued to the Cardmember with respect to the Policy.

Other Insurance or Recovery. If you have any other insurance in force concurrently herewith, or any amounts recoverable by you under a credit card, charge card, applicable Canadian consumer protection legislation or any other benefit or reimbursement source, amounts payable hereunder are limited to those covered benefits that are in excess of the amounts for which you are insured or otherwise entitled to recovery under such other legislation, benefit or reimbursement source.

Misrepresentation and Non-Disclosure. Any fraudulent statements by you in connection with a claim will result in denial of such claim, in which case no benefits will be paid.

Subrogation. If you incur expenses due to the fault of a third party, you assign to us the right to take action against the party at fault in your name. This will require your full cooperation with us and we will pay for all of the related expenses.

Additionally, if No Fault benefits or other collateral sources of payment of expenses are available to you, regardless of fault, the Insurer is granted the right to make a demand for, and recover those benefits. If the Insurer institutes an action, the Insurer may do so at its own expense, in your name, and you will attend at the place of loss to assist in the action. If you institute a demand or an action for a covered loss, you shall immediately notify the Insurer so that it may safeguard its rights. You shall take no action after a loss that will impair the rights of the Insurer set forth in the previous paragraph and shall do such things as are necessary to secure the Insurer’s rights.

Canadian Currency. Any claims paid to you will be payable in Canadian funds. If you have paid a covered expense, you will reimbursed in Canadian currency at the prevailing rate of exchange on the date that the claim payment is made to you. No sum payable shall bear interest.

Entire Agreement. This certificate is the entire contract between you and us. Despite any other provision of this contract, this contract is subject to any applicable federal and provincial statutes concerning contracts of insurance.

Group Contract. 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).

Payment of Benefits. All payments are payable to you or on your behalf. In case of your death, benefits are payable to your estate unless another beneficiary is designated in writing to us.

Rights of Examination. As a condition precedent to recovery of insurance money under the Policy,

a) if you make a claim under the Policy, you must give us an opportunity to examine you when and so often as we may reasonably require while the claim hereunder is pending, and

b) in the case of your death, we may require an autopsy, subject to any law of the applicable jurisdiction relating to autopsies.

Applicable Law. The terms of this insurance coverage shall be governed and interpreted according to the laws of the province in which you are resident.

Material Facts. No statements or representations made by employees of Amex Bank of Canada, our employees or our agents can vary the terms of this insurance coverage.

Limitation of Actions. 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), The Limitations Act (for actions or proceedings governed by the laws of Saskatchewan), or other applicable legislation. For actions or proceedings governed by the laws of Quebec, the prescriptive period is set out in the Civil Code of Quebec.

Trade and Economic Sanctions. The Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate if and to the extent that doing so would breach any Prohibition.

For the purposes of this Clause:

Prohibition means any prohibition or restriction imposed by law or regulation including but not limited to:

a) trade and/or economic sanctions laws and/or regulations of Canada, the United Kingdom, or any other jurisdiction or authority relevant to the parties; and

b) any activities that would be subject to a license requirement under those laws and/or regulations in respect of export control, unless such license has been obtained prior to the activity commencing and the Insurer has approved the provision of insurance for the activity.

IMPORTANT NOTICE ABOUT YOUR PERSONAL INFORMATION

Your privacy is important to us. To read the commitment we’ve made to protecting your privacy, and understand how we use, collect and disclose your personal information, please visit our Privacy Promise online at https://info.client.insure/privacy or request a copy by calling 1-866-941-5094. Our Privacy Promise may be updated from time to time. We encourage you to visit our website periodically to take notice of any changes.

Insurer Contact Information: Belair Insurance Company Inc. 700 University Ave, Toronto, ON M5G 0A1 1-833-964-2757

This insurance product is underwritten by Belair Insurance Company Inc. ©2025 Belair Insurance Company Inc. All rights reserved. ® “Global Excel” and the Global Excel logo are registered trademarks of Global Excel Management Inc. ®, TM: Used by Amex Bank of Canada under license from American Express.

BUYER’S ASSURANCE

®

PROTECTION PLAN

Amended and Restated Effective Date:

July 1, 2025

SECTION 1 - INTRODUCTION

Buyer’s Assurance Protection Plan for Amex Gold Rewards Cardmembers.

Amex Bank of Canada has been issued the Policy PSI047258327 by Belair Insurance Company Inc. (the Insurer ) to extend the manufacturer’s warranty on items purchased with your Amex Gold Rewards Card.

This Certificate of Insurance (hereinafter described as “this certificate” or “your certificate”) summarizes the provisions of the Policy applicable to your Amex Gold Rewards Card for the Buyer’s Assurance Protection Plan.

SECTION 2 - IMPORTANT NOTICE - PLEASE READ CAREFULLY

• Bolded terms that are defined in this certificate can be found in SECTION 4 - DEFINITIONS. Throughout this certificate, any references to “you” and “your” mean any person qualifying as an insured person under this certificate. The words “we”, “our” and “us” mean the Insurer , or its authorized representatives or Global Excel Management Inc. (hereinafter referred to as “ Global Excel ”), the assistance and claims service provider under this certificate, as applicable.
• Buyer’s Assurance Protection Plan is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your certificate as your coverage may be subject to certain limitations or exclusions.
• The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.
• Coverage is only available if you are a resident of Canada.
• Benefits are payable to you as long as the cost of the item is charged to the Cardmember’s Card or obtained through the redemption of points from the Membership Rewards Program. Note: Coverage will not be provided if purchased with points from a reward program other than the Membership Rewards Program.
• This certificate contains clauses which may limit the amounts payable.
• This certificate contains a provision removing or restricting the right of the group person insured to designate persons to whom or for whose benefit insurance money is to be payable.

SECTION 3 - WHAT TO DO IF YOU HAVE A LOSS?

If you have a loss, you must call Global Excel before you receive any repair services for the item.

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

1-800-243-0198 toll-free from the US & Canada, or +905-475-4822 collect from anywhere in the world. SECTION 4 - DEFINITIONS

Throughout this certificate, bolded terms that are defined have the specific meaning described below:

Basic Cardmember means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember , provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

Card means the Amex Gold Rewards Card issued in Canada by Amex Bank of Canada.

Cardmember means a holder of a valid Basic or Supplementary Card.

Global Excel means Global Excel Management Inc., which is the assistance and claims service provider under this certificate.

Insurer means Belair Insurance Company Inc.

Manufacturer’s warranty means the written warranty provided by the manufacturer of the item at the time of purchase that is valid in Canada or the United States.

Province means your Canadian province or territory of permanent residence.

Supplementary Cardmember means an authorized user of the Card account.

We, our and us mean the Insurer.

You, your and insured person mean any of the following persons: the Cardmember.

SECTION 5 - WHEN DOES COVERAGE BEGIN AND END?

This insurance coverage begins on the date the item is purchased and the cost is charged to the Card.

Coverage ends on the earliest of:

1. the date your Card account is cancelled;
2. the date your Card privileges are terminated;
3. 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;
4. the date the Policy terminates.

SECTION 6 - WHAT ARE YOU COVERED FOR?

This insurance covers the insured person for the extension of the manufacturer’s warranty on items purchased with the Card.

The Insurer will extend the period of the manufacturer’s warranty for an additional period equal to the original manufacturer’s warranty , up to a maximum of one additional year.

The maximum amount the Insurer will pay for any one item is $10,000 CAD. The maximum amount the Insurer will pay for all items in any one calendar year is $25,000 CAD per Card account.

The Insurer will pay for:

1. the cost to repair the item;
2. the cost to replace the item with an item of like kind and quality if the item cannot be repaired;
3. the purchase price of the item if the item cannot be repaired or replaced.

SECTION 7 - WHAT ARE YOU NOT COVERED FOR?

GENERAL EXCLUSIONS

This insurance will not pay for any expenses relating to or in any way associated with:

1. Any item that does not have a manufacturer’s warranty.

2. Any item that has a manufacturer’s warranty of more than five years.

3. Any motorized vehicle, including but not limited to, automobiles, motorcycles, mopeds, motorbikes, boats, and aircraft.

4. Any item of a commercial nature.

5. Any item that is not purchased new.

6. Any loss or damage to the item due to normal wear and tear, gradual deterioration, or mechanical failure (unless the mechanical failure is covered by the manufacturer’s warranty ).

7. Any loss or damage to the item due to any process of cleaning, repairing or restoring.

8. Any illegal activity, fraud, or criminal activity, committed by or attempted by the insured person who has incurred the loss.

9. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of a foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces.

SECTION 8 - HOW DO YOU SUBMIT A CLAIM?

To submit a claim, please call Global Excel:

**- If in Canada or the United States, call toll free at: 1-800-243-0198

• From anywhere else in the world, call collect to: +905-475-4822**

1. When you call Global Excel , you will be given all the information required to file a claim.

2. You must file your claim with us within 30 days of the loss or failure.

3. We require the fully completed Claim & Authorization form and original bills, invoices and receipts.

4. You must also provide:

   • Proof that the cost of the item was charged to your Card or obtained through the redemption of points from the Membership Rewards Program.
   • A copy of the manufacturer’s warranty.
   • A copy of the repair estimate or the final repair bill.

FAILURE TO COMPLETE THE REQUIRED CLAIM & AUTHORIZATION FORM IN FULL WILL DELAY THE ASSESSMENT OF YOUR CLAIM.

WHEN MAKING A CLAIM UNDER THIS INSURANCE, YOU MUST PROVIDE THE APPLICABLE DOCUMENTS WE REQUIRE. FAILURE TO PROVIDE THE APPLICABLE DOCUMENTATION WILL INVALIDATE YOUR CLAIM.

All pertinent documents should be sent to: Global Excel Management Inc. 73 Queen Street, Sherbrooke, Quebec, J1M 0C9

SECTION 9 - WHAT ELSE DO YOU NEED TO KNOW?

This certificate evidences the agreement between you and us. Despite any other provision of this agreement, this agreement is subject to any applicable Canadian law concerning contracts of insurance. This coverage may be cancelled, changed or modified at our option or at the option of Amex Bank of Canada at any time, to the extent required by applicable law and subject to compliance with any notice requirements under applicable law. This certificate replaces any and all certificates previously issued to the Cardmember with respect to the Policy.

Other Insurance or Recovery. If you have any other insurance in force concurrently herewith, or any amounts recoverable by you under a credit card, charge card, applicable Canadian consumer protection legislation or any other benefit or reimbursement source, amounts payable hereunder are limited to those covered benefits that are in excess of the amounts for which you are insured or otherwise entitled to recovery under such other legislation, benefit or reimbursement source.

Misrepresentation and Non-Disclosure. Any fraudulent statements by you in connection with a claim will result in denial of such claim, in which case no benefits will be paid.

Subrogation. If you incur expenses due to the fault of a third party, you assign to us the right to take action against the party at fault in your name. This will require your full cooperation with us and we will pay for all of the related expenses.

Additionally, if No Fault benefits or other collateral sources of payment of expenses are available to you, regardless of fault, the Insurer is granted the right to make a demand for, and recover those benefits. If the Insurer institutes an action, the Insurer may do so at its own expense, in your name, and you will attend at the place of loss to assist in the action. If you institute a demand or an action for a covered loss, you shall immediately notify the Insurer so that it may safeguard its rights. You shall take no action after a loss that will impair the rights of the Insurer set forth in the previous paragraph and shall do such things as are necessary to secure the Insurer’s rights.

Canadian Currency. Any claims paid to you will be payable in Canadian funds. If you have paid a covered expense, you will reimbursed in Canadian currency at the prevailing rate of exchange on the date that the claim payment is made to you. No sum payable shall bear interest.

Entire Agreement. This certificate is the entire contract between you and us. Despite any other provision of this contract, this contract is subject to any applicable federal and provincial statutes concerning contracts of insurance.

Group Contract. 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).

Payment of Benefits. All payments are payable to you or on your behalf. In case of your death, benefits are payable to your estate unless another beneficiary is designated in writing to us.

Rights of Examination. As a condition precedent to recovery of insurance money under the Policy,

a) if you make a claim under the Policy, you must give us an opportunity to examine you when and so often as we may reasonably require while the claim hereunder is pending, and

b) in the case of your death, we may require an autopsy, subject to any law of the applicable jurisdiction relating to autopsies.

Applicable Law. The terms of this insurance coverage shall be governed and interpreted according to the laws of the province in which you are resident.

Material Facts. No statements or representations made by employees of Amex Bank of Canada, our employees or our agents can vary the terms of this insurance coverage.

Limitation of Actions. 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), The Limitations Act (for actions or proceedings governed by the laws of Saskatchewan), or other applicable legislation. For actions or proceedings governed by the laws of Quebec, the prescriptive period is set out in the Civil Code of Quebec.

Trade and Economic Sanctions. The Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate if and to the extent that doing so would breach any Prohibition.

For the purposes of this Clause:

Prohibition means any prohibition or restriction imposed by law or regulation including but not limited to:

a) trade and/or economic sanctions laws and/or regulations of Canada, the United Kingdom, or any other jurisdiction or authority relevant to the parties; and

b) any activities that would be subject to a license requirement under those laws and/or regulations in respect of export control, unless such license has been obtained prior to the activity commencing and the Insurer has approved the provision of insurance for the activity.

IMPORTANT NOTICE ABOUT YOUR PERSONAL INFORMATION

Your privacy is important to us. To read the commitment we’ve made to protecting your privacy, and understand how we use, collect and disclose your personal information, please visit our Privacy Promise online at https://info.client.insure/privacy or request a copy by calling 1-866-941-5094.

Our Privacy Promise may be updated from time to time. We encourage you to visit our website periodically to take notice of any changes.

Insurer Contact Information: Belair Insurance Company Inc. 700 University Ave, Toronto, ON M5G 0A1 1-833-964-2757

This insurance product is underwritten by Belair Insurance Company Inc. ©2025 Belair Insurance Company Inc. All rights reserved. ® “Global Excel” and the Global Excel logo are registered trademarks of Global Excel Management Inc. ®, TM: Used by Amex Bank of Canada under license from American Express.

PURCHASE PROTECTION

®

PLAN

Amended and Restated Effective Date:

July 1, 2025

SECTION 1 - INTRODUCTION

Purchase Protection Plan for Amex Gold Rewards Cardmembers.

Amex Bank of Canada has been issued the Policy PSI047258277 by Belair Insurance Company Inc. (the Insurer ) to cover the loss of or damage to items purchased with your Amex Gold Rewards Card.

This Certificate of Insurance (hereinafter described as “this certificate” or “your certificate”) summarizes the provisions of the Policy applicable to your Amex Gold Rewards Card for the Purchase Protection Plan.

SECTION 2 - IMPORTANT NOTICE - PLEASE READ CAREFULLY

• Bolded terms that are defined in this certificate can be found in SECTION 4 - DEFINITIONS. Throughout this certificate, any references to “you” and “your” mean any person qualifying as an insured person under this certificate. The words “we”, “our” and “us” mean the Insurer , or its authorized representatives or Global Excel Management Inc. (hereinafter referred to as “ Global Excel ”), the assistance and claims service provider under this certificate, as applicable.
• Purchase Protection Plan is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your certificate as your coverage may be subject to certain limitations or exclusions.
• The basic Cardmember is responsible for this insurance coverage, including coverage bound by any purchases made by a supplementary Cardmember below the age of majority.
• Coverage is only available if you are a resident of Canada.
• Benefits are payable to you as long as the cost of the item is charged to the Cardmember’s Card or obtained through the redemption of points from the Membership Rewards Program. Note: Coverage will not be provided if purchased with points from a reward program other than the Membership Rewards Program.
• This certificate contains clauses which may limit the amounts payable.
• This certificate contains a provision removing or restricting the right of the group person insured to designate persons to whom or for whose benefit insurance money is to be payable.

SECTION 3 - WHAT TO DO IF YOU HAVE A LOSS?

If you have a loss, you can call Global Excel.

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

1-800-243-0198 toll-free from the US & Canada, or +905-475-4822 collect from anywhere in the world. SECTION 4 - DEFINITIONS

Throughout this certificate, bolded terms that are defined have the specific meaning described below:

Basic Cardmember means the person in whose name Amex Bank of Canada has opened a Card account and does not include a supplementary Cardmember , provided always that the basic Cardmember’s Card account privileges have not expired, been revoked, terminated or suspended.

Card means the Amex Gold Rewards Card issued in Canada by Amex Bank of Canada.

Cardmember means a holder of a valid Basic or Supplementary Card.

Global Excel means Global Excel Management Inc., which is the assistance and claims service provider under this certificate.

Insurer means Belair Insurance Company Inc.

Province means your Canadian province or territory of permanent residence.

Supplementary Cardmember means an authorized user of the Card account.

We, our and us mean the Insurer.

You, your and insured person mean any of the following persons: the Cardmember.

SECTION 5 - WHEN DOES COVERAGE BEGIN AND END?

This insurance coverage begins on the date the item is purchased and the cost is charged to the Card.

Coverage ends on the earliest of:

1. the date that is 90 days from the date of purchase of the item;
2. the date your Card account is cancelled;
3. the date your 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 Policy terminates.

SECTION 6 - WHAT ARE YOU COVERED FOR?

This insurance covers the insured person for the theft of or damage to an item purchased with the Card.

The Insurer will pay for the loss of or damage to the item, to a maximum of $1,000 CAD per occurrence for all insured persons combined.

The Insurer will pay the lesser of:

1. the cost to repair the item;
2. the cost to replace the item with an item of like kind and quality;
3. the purchase price of the item.

SECTION 7 - WHAT ARE YOU NOT COVERED FOR?

GENERAL EXCLUSIONS

This insurance will not pay for any expenses relating to or in any way associated with:

1. Cash, credit cards, other travel credit, tickets of any kind, or other documents.

2. Any motorized vehicle, including but not limited to, automobiles, motorcycles, mopeds, motorbikes, boats, and aircraft.

3. Items that are lost or stolen while in your care.

4. Loss or damage to items as a result of normal wear and tear, gradual deterioration, vermin, atmospheric conditions, or any process of cleaning, repairing or restoring.

5. Items or property of a commercial nature.

6. Jewelry, watches, silverware, cameras and their accessories, fur or items made of fur, and other items of high value if they are in your checked baggage.

7. Any illegal activity, fraud, or criminal activity, committed by or attempted by the insured person who has incurred the loss.

8. Your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of a foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces.

SECTION 8 - HOW DO YOU SUBMIT A CLAIM?

To submit a claim, please call Global Excel:

**- If in Canada or the United States, call toll free at: 1-800-243-0198

• From anywhere else in the world, call collect to: +905-475-4822**

1. When you call Global Excel , you will be given all the information required to file a claim.

2. You must file your claim with us within 30 days of the loss.

3. We require the fully completed Claim & Authorization form and original bills, invoices and receipts.

4. You must also provide:

   • Proof that the cost of the item was charged to your Card or obtained through the redemption of points from the Membership Rewards Program.
   • If the loss was caused by theft, you must provide a police report from the place where the theft occurred.
   • If the loss was caused by damage, you must provide a copy of the repair estimate or the final repair bill.
   • An itemized list and proof of value of the item which was lost, stolen or damaged.
   • A statement from your home, tenants or other insurer about your claim. If you do not have other insurance, we require a sworn statement.

FAILURE TO COMPLETE THE REQUIRED CLAIM & AUTHORIZATION FORM IN FULL WILL DELAY THE ASSESSMENT OF YOUR CLAIM.

WHEN MAKING A CLAIM UNDER THIS INSURANCE, YOU MUST PROVIDE THE APPLICABLE DOCUMENTS WE REQUIRE. FAILURE TO PROVIDE THE APPLICABLE DOCUMENTATION WILL INVALIDATE YOUR CLAIM.

All pertinent documents should be sent to: Global Excel Management Inc. 73 Queen Street, Sherbrooke, Quebec, J1M 0C9

SECTION 9 - WHAT ELSE DO YOU NEED TO KNOW?

This certificate evidences the agreement between you and us. Despite any other provision of this agreement, this agreement is subject to any applicable Canadian law concerning contracts of insurance. This coverage may be cancelled, changed or modified at our option or at the option of Amex Bank of Canada at any time, to the extent required by applicable law and subject to compliance with any notice requirements under applicable law. This certificate replaces any and all certificates previously issued to the Cardmember with respect to the Policy.

Other Insurance or Recovery. If you have any other insurance in force concurrently herewith, or any amounts recoverable by you under a credit card, charge card, applicable Canadian consumer protection legislation or any other benefit or reimbursement source, amounts payable hereunder are limited to those covered benefits that are in excess of the amounts for which you are insured or otherwise entitled to recovery under such other legislation, benefit or reimbursement source.

Misrepresentation and Non-Disclosure. Any fraudulent statements by you in connection with a claim will result in denial of such claim, in which case no benefits will be paid.

Subrogation. If you incur expenses due to the fault of a third party, you assign to us the right to take action against the party at fault in your name. This will require your full cooperation with us and we will pay for all of the related expenses.

Additionally, if No Fault benefits or other collateral sources of payment of expenses are available to you, regardless of fault, the Insurer is granted the right to make a demand for, and recover those benefits. If the Insurer institutes an action, the Insurer may do so at its own expense, in your name, and you will attend at the place of loss to assist in the action. If you institute a demand or an action for a covered loss, you shall immediately notify the Insurer so that it may safeguard its rights. You shall take no action after a loss that will impair the rights of the Insurer set forth in the previous paragraph and shall do such things as are necessary to secure the Insurer’s rights.

Canadian Currency. Any claims paid to you will be payable in Canadian funds. If you have paid a covered expense, you will reimbursed in Canadian currency at the prevailing rate of exchange on the date that the claim payment is made to you. No sum payable shall bear interest.

Entire Agreement. This certificate is the entire contract between you and us. Despite any other provision of this contract, this contract is subject to any applicable federal and provincial statutes concerning contracts of insurance.

Group Contract. 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).

Payment of Benefits. All payments are payable to you or on your behalf. In case of your death, benefits are payable to your estate unless another beneficiary is designated in writing to us.

Rights of Examination. As a condition precedent to recovery of insurance money under the Policy,

a) if you make a claim under the Policy, you must give us an opportunity to examine you when and so often as we may reasonably require while the claim hereunder is pending, and

b) in the case of your death, we may require an autopsy, subject to any law of the applicable jurisdiction relating to autopsies.

Applicable Law. The terms of this insurance coverage shall be governed and interpreted according to the laws of the province in which you are resident.

Material Facts. No statements or representations made by employees of Amex Bank of Canada, our employees or our agents can vary the terms of this insurance coverage.

Limitation of Actions. 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), The Limitations Act (for actions or proceedings governed by the laws of Saskatchewan), or other applicable legislation. For actions or proceedings governed by the laws of Quebec, the prescriptive period is set out in the Civil Code of Quebec.

Trade and Economic Sanctions. The Insurer shall not provide any coverage or be liable to provide any indemnity or payment or other benefit under this certificate if and to the extent that doing so would breach any Prohibition.

For the purposes of this Clause:

Prohibition means any prohibition or restriction imposed by law or regulation including but not limited to:

a) trade and/or economic sanctions laws and/or regulations of Canada, the United Kingdom, or any other jurisdiction or authority relevant to the parties; and

b) any activities that would be subject to a license requirement under those laws and/or regulations in respect of export control, unless such license has been obtained prior to the activity commencing and the Insurer has approved the provision of insurance for the activity.

IMPORTANT NOTICE ABOUT YOUR PERSONAL INFORMATION

Your privacy is important to us. To read the commitment we’ve made to protecting your privacy, and understand how we use, collect and disclose your personal information, please visit our Privacy Promise online at https://info.client.insure/privacy or request a copy by calling 1-866-941-5094.

Our Privacy Promise may be updated from time to time. We encourage you to visit our website periodically to take notice of any changes.

Insurer Contact Information: Belair Insurance Company Inc. 700 University Ave, Toronto, ON M5G 0A1 1-833-964-2757

This insurance product is underwritten by Belair Insurance Company Inc. ©2025 Belair Insurance Company Inc. All rights reserved. ® “Global Excel” and the Global Excel logo are registered trademarks of Global Excel Management Inc. ®, TM: Used by Amex Bank of Canada under license from American Express.

CUSTOMER SERVICE NUMBERS

American Express Customer Service 1-800-869-3016 Global Excel 1-800-243-0198 +905-475-4822 (toll-free from US & Canada) (collect from anywhere else)