EFTA00548554.pdf

Premier Rewards Gold Card "Frig ate (. 1! M I MI 5/0/1/12 New Balance Please Pay By $13,317.32 06/23/12 2 Li° O See page 2 for important information about your account. See Page 5 for Important Changes to Your Account Terms Your payment of $13,317.32 will be debited from your account on 06/23/12. Any inquiry to American Express concerning this debit should be made by 06/21/12. If your AutoPay payment is less than your New Balance, we must receive an additional payment for at least the difference by your next Closing Date. UP TO 70% OFF TOP DESIGNERS Shop today and enjoy FREE SHIPPING' I , a member at amefleanexpress.com/ventepr iv ee lie ternand arthlon M ratametanegresuatheievent 121 Payment Coupon Do not staple or use paper clips Pay by Computer americanexpress.com/plx IN dhoti-III 'HI I p 11 I I II 30 16TH T APT 14G NEW YORK NY 10065-6218 n Check here if your address or phone number has changed. Note changes on reverse side. p. 1i8 Account Ending 3-42008 Membership Rewards Points As 0(06/08/12 1,110,886 For details, pleasesee your -, Membership Rewards page. Account Summary Pay In Full Portion Previous Balance Payments/Credits New Charges Fees New Balance • CR54,901.12 -50.00 +518,218.44 +50.00 513,31732 Pay Over Time Portion Previous Balance 50.00 Payments/Credits -50.00 New Charges +50.00 Fees +50.00 Interest Charged +50.00 New Balance si 50.00 Minimum Due 50.00 Account Total Previous Balance CRS4,901.12 Payments/Credits -50.00 New Charges +518,218.44 Fees +50.00 Interest Charged +50.00 New Balance $13,317.32 Days in Billing Period: 30 Customer Care Pay by Computer americanexpress.com/pbc Customer Care Pa Phone O See page 2 for additional Information. Pa yP AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 Account Ending3.42008 Enter account number on all documents. Make check payable to American Express. Please Pay By 06/23/12 AutoPay Amount $13,317.32 0000349991648075752 001331732001331732 05 rl EFTA00548554 Account Ending 3-42008 p. 2P3 Payments: Your payment must be sent to the payment address shown on your statement and must be received by 5 p.m. local time at that address to be credited as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system. If we accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unless a particular rate is required by law. Pleasedo not send post-dated checks as they will be deposited upon receipt Any restrktive languageon a payment we accept will have no effect on us without our express prior written approval. We will represent to your financialinstitution any payment that is retumed unpaid. Permission for Electronic Withdrawal: (1) When you send a check for payment, you give us permission to electronically withdraw your payment from your deposit or other asset account We will process checks electroo 'tally by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, unless the check is not processabk electronkally Of a less costly process Is available. When we process your check electronically, your payment may be withdrawn from your deposit or other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your financial account statement if we cannot collect the funds electrooically we may issuea draft against your deposit or other asset account for the amount of the check. (2) By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you give us permission to electronkally withdraw funds from the deposit or other asset account you specify in the amount you request. Payments using such services of ours received after 8:00 p.m. MST may not be credited until the next day. Now We Cakulate Your Balance: We use the Average Daily Balance (ADB) method (including new transactions)to cakulate the balance on which we charge interest for Pay Over Time balances on your Account. Call the Customer Service number listed below for more information about this balance computation method and how resulting Interest charges are determined. The method we use to figure the ADS and interest results in doily compoundingof interest. Paying Interest:If you havea PayOver Time balance, your due date is at least 25 days after the close of each billing period. We will begin charging interest on transactionsadded to a Pay Over Time balanceas of the date they areadded. However, we will not charge interest on charges added to a Pay Over Time balanceautomatically (forextunpk, Sign& Travel and Extended Payment Option) if you pay the Account Total New Balance by the due date each month. Foreign CurrencyCharges: If you make a Charge in a foreign currency, we will convert it into US dollars on the date we or our agents process it. We will charge a fee of 2.7% of the converted US dollaramount. We will choose a conversion rate that is acceptable to us for that date, unless a particular rate is required by law. The conversion rate we use Is no more than the highest official rate published by a government agency or the highest interbank rate we identify from customary banking sourceson the conversion date or the prior business day. This rate may differ from rates in effect on the date of your charge. Charges convened by establishments will be billed at the rates such establishments use. Credit Balance: A credit balance (desig nated CR) shown on this statement represents money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is 51.00 or more. Credit Reporting: We may report Information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. New York residents may contact the NY Banking Dept. fora comparative listing of credit card rates, fees and grace periods at 1 Customer Care & Billing Inquiries International Collect Large Print & Braille Statements Lost or Stolen Card Express Cash Hearing Impaired 1 TTY: 1. FAX: I 1- InNY: 1-800-CASH-NOW Changeof Address If correct on front, do not use. • To change your address online, visit www.americanexpressxom/updatecontactinfo • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. • Please print dearly In blue or black ink only In the boxes provided. Street Address City, State Zip Code Area Code and HOrTle Phone Area Code and 1Vork Phone Email Website: amerkanexpress.com Mobile Site: amexmoblle.tom Customer Care & Billing Inquiries P.O. BOX 981535 EL PASO, TX 79998-1535 Payments P.O. BOX 1270 NEWARK NJ 07101.1270 Pay Your Bill with AutoPay • Avoid late fees • Save time Deduct your payment from your bank account automatically each month Visit americanexpress.comMutopay today to enroll. For information on how we protect your privacy and to set your communication and privacy choices. please visit vavrw.amerIcanexpress.comtprivacy. EFTA00548555 AmeR,„ Premier Rewards Gold Card p. (-losing Date 06/0812 Account Ending 3-42008 New Charges Summary Pay In Full Pa Over Time • Total Total New Charges S18,218.44 50.00 $18,218.44 Detail Ei Card Ending 3.42008 Amount 05/31/12 ANGIES LIST SUBSCRIPTION SUBSCRIPTION 8888885478 INDIANAPOLIS IN NY $13.00 06/02/12 NYC TAXI MED 8V97 09BROOKLYN $6.96 06/02/12 ROOM & BOARD-INT MINNEAPOLIS Desalption SPECIALTY RETA MN $18,198.48 Fees Amount Total Fees for this Period 50.00 f Interest Charged Amount Total Interest Charged for this Period $0.00 2012 Fees and Interest Totals Year-to-Date Total Fees in 2012 Total Interest In 2012 Amount $208.08 $0.00 Important Notice Information on Pay Over Time Features You may have access to one or more Pay Over Time Featuresas part of your Card account. The following are the current Annual Percentage Rates(APRs) for PayOver Time Features. (v) indicates variablerate. For Sign & Travel, the APR Is 1824% (v). For Sign & Travel, the APR Is 1824% (v). Please refer to page 2 for further important information regarding your account EFTA00548556 Account Ending 3-42008 p. 4:8 EFTA00548557 A. 1 ,N LX.PMESS Premier Rewards Gold Card Closing ate / !1 p. 5:8 Account Ending 3-42008 Summary of Changes We're making changes to how some American Express cards and benefits work. The table below summarizes changes that affect your card account. See the reverse side of this page for changes to your Cardmember Agreement. Summary of changes to your account terms We May Contact You We are clarifying the ways we may contact you for account servicing and collections. We will continue to honor any communication preferences that you have previously indicated regarding marketing offers. See the reverse side for the Detail of Changes to Your Cardmember Agreement. SCB62 BP/CCSTCPA/0612 EFTA00548558 Account Ending 3-42008 p. 603 Detail of Changes to Your Cardmember Agreement The terms of the account referenced in or with this notice are subject to change in accordance with the Cardmember Agreement governing the account. This notice formally amends that Cardmember Agreement as described below. These changes apply to existing and future balances on your account. Any terms in the Cardmember Agreement conflicting with these changes is replaced fully and completely. Terms not changed by this notice remain in full force and effect. We encourage you to read this notice, share it with additional Cardmembers on your account, and file it for future reference. If you have any questions about these changes, please call the number on the back of your Card. We May Contact You Effective September 1, 2012, the We may contact you section, in Part 2 of your Cardmember Agreement, is replaced with the following: Servicing and collections If we need to contact you to service your account or to collect amounts you owe, you authorize us (and our affiliates, agents and contractors) to contact you at any number you provide, from which you call us, or at which we believe we can reach you. We may contact you in any way, such as calling or texting. We may contact you using an automated dialer or prerecorded messages. We may contact you on a mobile, wireless or similar device, even if you are charged for it. Call monitoring We may monitor and record any calls between you and us. SCB62 BP/CCSTCPN0612 EFTA00548559 Premier Rewards Gold Card p. 718 I ,I Date 06/0812 Account Ending 3-42008 Now get offers on the go. Eligible Cardmembers can now access a variety of offers nationwide and local offers in New York City and Los Angeles with My Offers. a new feature on the American Express® app for iPhon&. If you have an iPhone®, you can use the app to: • Find and add customized offers using the new My Offers feature. • Pay your bill, check your Card balance, and view your recent and pending transactions. Download the app now 36 9:41 AM In ii" I •ge te. " MY OFFERS ,-.0enerswposoectedwou. 25% Free $5 I oral Boutique Your Favorite Business __ • Available on the ® App Store Phone is a trademark of Apple Inc.. registered in the U.S. and other countries. App Store is a service mark of Apple Inc. ABYQ:0001 Offers are made only io Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA00548560 Account Ending 342008 p 8 Enjoy Exclusive 90+ Point Wines and $0 Shipping from Lot18 Ota Become a member of Lot18 and gain access to a limited-time boutique of 90+ point wines. Shop premium wines selected by expert curators at up to 30% off retail price. Receive $0 shipping on all boutique wines. Join for free today at lotitcom/amexboutique Boutique access and $0 shipping offer valid through 7/31/12. Available to new Lot18 members only. ' through the link noted above. See lot18.com/ameibouttque for full offer terms and conditions. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA00548561