Examples are simplified for illustrative purposes.Earn rates and calculation varies by Sponsor and transaction. Visit www.americanexpress.ca/airmilessponsors to see list of AIR MILES^® Sponsors. For more information on the AIR MILES Program please visit www.airmiles.ca.

All Rewards offered are subject to the Terms and Conditions of the AIR MILES^® Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel and/or Merchandise Rewards, you must have accumulated sufficient AIR MILES reward miles in your Dream Balance. Some restrictions may apply. Quantities may be limited. Collectors must pay taxes, fuel surcharges and other applicable charges and fees on air, hotel and car rental Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. For complete details, please visit www.airmiles.ca.

Reward mile calculations are based on a 1:$15 or 1:$20 Earn Rate. Reward miles are only issued in whole numbers and will only be issued when and if an incremental reward mile is earned in accordance with the applicable Earn Rate. Any remaining dollar amount that is less than the applicable Earn Rate for the issuance of one reward miles at the end of the billing period will be disregarded and will not be accumulated or included in the calculation of reward miles for the next billing period.

If you spend $100 per month on Groceries and ″Most (75%)″ of your monthly grocery purchases were at AIR MILES Sponsors, we would multiply $100 per month by 12 months by 75% by the Sponsor earn rate in your region to arrive at the annual reward miles on your AIR MILES Collector Card.

If you use your American Express^®* AIR MILES^® Credit Card to make the purchase, we would multiply $100 per month by 12 months by the earn rate on the card (1 reward mile for every $15 at Sponsors and 1 reward mile for every $20 everywhere else).

e.g. If 75% of a $100 monthly spend on groceries, in Alberta, is at AIR MILES Sponsors, this would translate to:

$100 x 12 x 75% x 1/$20 = 45 AIR MILES reward miles

$100 x 12 x 75% x 1/$15 + $100 x 12 x 25% x 1/$20 = 70 AIR MILES reward miles

Total = 115 AIR MILES reward miles

NOTE:

Earn rate for ″Pharmacy″ in Ontario is illustrated at 1:15 however earn rates vary by Sponsor (Rexall, Safeway Pharmacy and Jean Coutu).Earn rate for ″Pharmacy″ in New Brunswick is illustrated at 1:10 however earn rates vary by Sponsor (Jean Coutu, Pharmasave and Lawtons). Please refer to www.airmiles.ca for full details.

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

^®*™: Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Inc. and Amex Bank of Canada.

Sponsor earn rates are as follows:

• Groceries: 1 reward mile for every $20
• Pharmacy: 7 reward miles for every $20
• Gas: 1 reward mile for first $20 spent, and 1 reward mile for each additional $30
• Hardware: 1 reward miles for every $20
• Liquor: 1 reward miles for every $20
• Other Purchases: no base reward miles

• Groceries: 1 reward mile for every $20
• Pharmacy: 7 reward miles for every $20
• Gas: 1 reward mile for first $20 spent, and 1 reward mile for each additional $30
• Hardware: 1 reward miles for every $20
• Liquor: no base reward miles
• Other Purchases: no base reward miles

• Groceries: 1 reward mile for every $20
• Pharmacy: 7 reward miles for every $20
• Gas: 1 reward mile for first $20 spent, and 1 reward mile for each additional $30
• Hardware: 1 reward miles for every $20
• Liquor: no base reward miles
• Other Purchases: no base reward miles

• Groceries: 1 reward mile for every $20
• Pharmacy: 7 reward miles for every $20
• Gas: 1 reward mile for first $20 spent, and 1 reward mile for each additional $30
• Hardware: 1 reward miles for every $20
• Liquor: 1 reward miles for every $25 spent
• Other Purchases: no base reward miles

• Groceries: 1 reward mile for every $20.
• Pharmacy: 1 reward mile for every $15. Please note that earn rates at our Ontario pharmacy Sponsors (Rexall, Safeway Pharmacy and Jean Coutu) vary
• Gas: 1 reward mile for first $20 spent, and 1 reward mile for each additional $30
• Hardware: 1 reward mile for every $20
• Liquor: 1 reward miles for every $30 spent
• Other Purchases: no base reward miles

• Groceries: 1 reward mile for every $20.
• Pharmacy: 1 reward mile for every $15
• Gas: 1 reward mile for first $20 spent, and 1 reward mile for each additional $30
• Hardware: 1 reward miles for every $20
• Liquor: no base reward miles
• Other Purchases: no base reward miles

• Groceries: 1 reward mile for every $20.
• Pharmacy: 1 reward mile for every $10. Please note that earn rates at our New Brunswick pharmacy Sponsors (Jean Coutu, Pharmasave and Lawtons) vary
• Gas: 1 reward mile for first $20 spent, and 1 reward mile for each additional $30
• Hardware: 1 reward miles for every $20
• Liquor: no base reward miles
• Other Purchases: no base reward miles

• Groceries: 1 reward mile for every $20.
• Pharmacy: 1 reward mile for every $10.
• Gas: 1 reward mile for first $20 spent, and 1 reward mile for each additional $30
• Hardware: 1 reward miles for every $20
• Liquor: 1 reward miles for every $30 spent
• Other Purchases: no base reward miles

• Groceries: 1 reward mile for every $20.
• Pharmacy: 1 reward mile for every $10.
• Gas: 1 reward mile for first $20 spent, and 1 reward mile for each additional $30
• Hardware: 1 reward miles for every $20
• Liquor: no base reward miles
• Other Purchases: no base reward miles

• Groceries: 1 reward mile for every $20.
• Pharmacy: 1 reward mile for every $10.
• Gas: 1 reward mile for first $20 spent, and 1 reward mile for each additional $30
• Hardware: 1 reward miles for every $20
• Liquor: 1 reward miles for every $25
• Other Purchases: no base reward miles

• Groceries: 1 reward mile for every $20
• Pharmacy: 7 reward miles for every $20
• Gas: 1 reward mile for first $20 spent, and 1 reward mile for each additional $30
• Hardware: 1 reward miles for every $20
• Liquor: no base reward miles
• Other Purchases: no base reward miles

• Groceries: 1 reward mile for every $20
• Pharmacy: 7 reward miles for every $20
• Gas: 1 reward mile for first $20 spent, and 1 reward mile for each additional $30
• Hardware: 1 reward miles for every $20
• Liquor: no base reward miles
• Other Purchases: no base reward miles

• Groceries: 1 reward mile for every $20
• Pharmacy: 7 reward miles for every $20
• Gas: 1 reward mile for first $20 spent, and 1 reward mile for each additional $30
• Hardware: 1 reward miles for every $20
• Liquor: no base reward miles
• Other Purchases: no base reward miles

For the reward miles earned on an American Express^®* AIR MILES Credit Card, annual spend in all categories where an AIR MILES Sponsor is present will be multiplied by the portion that is spent at AIR MILES Sponsors (i.e. 75% for ″frequently″) and that portion of the spend will be based on a rate of 1 reward mile for every $15. For the other portion (i.e. 25% of spend not at Sponsors), an earn rate of 1 reward mile for every $20 will apply. For categories where no Sponsors are present, an earn rate of 1 reward mile for every $20 will apply.