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The Card is not returnable. • The Card is not refundable. • The Card may only be used at shops and restaurants that accept American Express Cards which are located in the Oxford shopping centers within Canada. • You cannot reload the Card with more funds. • Regular pre-authorized debit (PAD) transactions, where you authorize a company or organization to withdraw funds from the Card, are not permitted. All PAD transactions will be rejected and Peoples Trust Company will not be liable for any costs incurred by you as a result. • The Card cannot be used for cash withdrawals. • The Card cannot be used for pay-at-the-pump transactions. • The Card cannot be used for recurring billing, such as utilities and subscriptions. • You may not use your Card to commit or facilitate illegal activity. • The Card is not eligible for protection under any zero liability policy. • The Card is subject to maximum transaction limits, as set out below. Peoples Trust Company may change these limits in accordance with Applicable Law and will post notice on AmexPrepaidCard.com at least thirty (30) days in advance of the date such change is to come into effect. The change will take effect on the date indicated in the notice. Your continued use of the Card, after the change to the limits has come into effect, will be taken as your acceptance of that change.

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