The Platinum Card® from American Express for Goldman Sachs Agreement

Account & Service Control · Restriction or exception

Charges are approved at the issuer's decision, and the Card is for personal, family or household purposes only

You may use the Card to make charges, but the issuer decides whether to approve a charge, based on how you spend and pay on this Account and your other Accounts with it. It also considers your credit history and score and the personal resources it knows about. You agree to use the Card for personal, family or household purposes only.

Supporting quotations

You may use the Card to make charges. We decide whether to approve a charge, based on how you spend and pay on this Account and other Accounts you have with us.

You agree to use the Card for personal, family, or household purposes only.

We also consider your credit history and score and your personal resources that we know about.

Account & Service Control · Restriction or exception

A Spending Limit, if shown in Part 1, makes declines more likely and can be changed or removed at any time

If Part 1 shows a Spending Limit, the Account has a preset Spending Limit. If the total balance exceeds it, the issuer is more likely to decline charges. The issuer may still approve charges that push the balance over the limit, and you must pay them. It may also decline charges that would not exceed the limit, and may change or remove the Spending Limit at any time.

Supporting quotations

However, if there is a Spending Limit on page 1 of Part 1 of this Agreement, then your Account has a preset Spending Limit. If at any time your total balance exceeds this Spending Limit, we are more likely to decline to authorize your charges.

We may approve charges that cause your total balance to exceed the Spending Limit. If we do, you must still pay us for those charges. We may also decline to authorize charges, even if they do not cause your total balance to exceed the Spending Limit. We may change or remove the Spending Limit at any time.

Not stated here

• The public Part 1 shows no Spending Limit; whether and in what amount one applies to an Account is not stated here.

Account & Service Control · Restriction or exception

The issuer may decline a charge even if the Account is not in default and is not responsible for resulting losses

The issuer may decline to authorize a charge for various reasons, including if it suspects fraud or based on its assessment of your creditworthiness, even if the Account is not in default. It is not responsible for any losses you incur if it does not authorize a charge or if a merchant refuses to accept the Card.

Supporting quotations

We may decline to authorize a charge for various reasons, including if we suspect fraud or based on our assessment of your creditworthiness, even if your Account is not in default. We are not responsible for any losses you incur if we do not authorize a charge or if any merchant refuses to accept the Card.

Qualifications & exceptions

• "Various reasons, including" means the listed reasons are examples.

Account & Service Control · Company practice

If you transfer to a new Card with the same Account number, your Pay Over Time setting stays in effect

If you transfer to a new Card that keeps the same Account number, the Pay Over Time setting you had at the time of the transfer remains in effect on the new Card.

Supporting quotations

If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card.

Account & Service Control · Permission or license

Additional Cards can be issued at your request and their use under this Agreement may be reported

The issuer may issue Additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of this Agreement, and the issuer may report their use of your Account to credit reporting agencies. If an Annual Fee applies to Additional Cards on your Account, it is shown on page 2 of Part 1.

Supporting quotations

Additional Card Members: We may issue Additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of this Agreement and we may report their use of your Account to credit reporting agencies. If an Annual Fee applies to Additional Cards on your Account, it is shown on page 2 of Part 1 of this Agreement.

You may request Additional Cards (which include Companion Cards, if available) for Additional Card Members.

Qualifications & exceptions

• Additional Cards include Companion Cards, if available.

Account & Service Control · Company practice

You are responsible for all use by Additional Card Members, who may be given Account information

You are responsible for all use of the Account by Additional Card Members and anyone they allow to use it, and you must pay for all charges made. You also authorize the issuer to give Additional Card Members information about the Account and to discuss it with them. You can contact the issuer if you want to cancel an Additional Card Member's ability to use the Account.

Supporting quotations

You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account and you must pay for all charges made. You also authorize us to give Additional Card Members information about your Account and to discuss it with them. Contact us if you want to cancel an Additional Card Member's ability to use your Account.

Account & Service Control · Company practice

Notices are sent by mail, courier or electronically and count as given when mailed or delivered electronically

The issuer sends notices by U.S. mail, courier, or electronically using the information in its records. It considers a notice given when it mails it or delivers it electronically.

Supporting quotations

Sending you notices: We send notices by U.S. mail, courier, or electronically using the information in our records. We consider a notice given when we mail it or deliver it electronically.

Qualifications & exceptions

• A notice counts as given when sent, not when received.

Account & Service Control · Restriction or exception

You must notify the issuer immediately of address, email or phone changes, separately for each Account

You must notify the issuer immediately if you change your mailing address, email address or telephone number. If you have more than one Account, you must notify it separately for each Account. The issuer may update your billing address if it receives information that it has changed or is incorrect.

Supporting quotations

Changing your contact information: You must notify us immediately if you change your mailing address, email address, or telephone number. If you have more than one Account, you need to notify us separately for each Account. We may update your billing address if we receive information that it has changed or is incorrect.

Account & Service Control · Restriction or exception

The Account may be considered in default for breach, false information, bankruptcy or inability to pay

The issuer may consider the Account to be in default if you violate a provision of the Agreement, give it false information, file for bankruptcy, default under another agreement you have with it or an affiliate, or it believes you are unable or unwilling to pay your debts when due.

Supporting quotations

Default: We may consider your Account to be in default if:

you violate a provision of this Agreement,

you give us false information,

you file for bankruptcy,

you default under another agreement you have with us or an affiliate, or

we believe you are unable or unwilling to pay your debts when due.

Qualifications & exceptions

• The standard "we believe" for the last trigger is the issuer's belief; the agreement does not say what evidence is needed.

Not stated here

• The agreement does not say whether every breach, however minor, is treated as default; the list is stated as things the issuer "may consider" default. The first item refers to this Agreement itself, not to any separate document, so no linked document text is supplied or needed.

Account & Service Control · Permission or license

After default, incapacity or death the issuer may suspend charges, cancel features and demand payment

If the issuer considers the Account in default, or you become incapacitated or die, it may, to the extent permitted by federal and applicable state law, suspend your ability to make charges, cancel or suspend any feature on your Account, require you to pay more than your Minimum Payment Due immediately, and require you to pay your Account balance immediately.

Supporting quotations

If we consider your Account in default, or if you become incapacitated or die, we may, to the extent permitted by federal and applicable state law:

suspend your ability to make charges,

cancel or suspend any feature on your Account,

require you to pay more than your Minimum Payment Due immediately, and

require you to pay your Account balance immediately.

Qualifications & exceptions

• The remedies apply "to the extent permitted by federal and applicable state law".

Account & Service Control · Permission or license

The issuer may cancel the Account or suspend charges at any time for any reason; you still owe all charges

The issuer may, at any time and for any reason, cancel your Account, suspend your ability to make charges, or cancel or suspend any feature on your Account. If it does, you must still pay all charges under the Agreement. It may agree to reinstate your Account and any Additional Cards, and charge applicable annual fees and a fee to reinstate the Account.

Supporting quotations

Closing or suspending your Account: We may, at any time and for any reason: cancel your Account, suspend your ability to make charges, or cancel or suspend any feature on your Account. If we do any of these, you must still pay us for all charges under the terms of this Agreement. We may agree to reinstate your Account, reinstate any Additional Cards issued on your Account, and charge you any applicable annual fees and a fee to reinstate the Account.

Qualifications & exceptions

• Reinstatement is something the issuer "may agree" to, not a right.

Account & Service Control · Permission or license

The issuer may add, modify or remove any benefit, feature or service related to the Account at its discretion

The issuer has the right to add, modify or remove any benefit, feature or service included with or related to your Account at its discretion.

Supporting quotations

Changing benefits: We have the right to add, modify or remove any benefit, feature or service included with or related to your Account at our discretion.

Not stated here

• No notice period or compensation for removed benefits is stated in this passage.