EFTA00314689.pdf

DCPRESS TrueEarnings' Card LESLEY GROFF Closing Date 09/22/14 New Balance $11,551.67 Minimum Payment Due $116.00 PaymentDue Date 10/17/14 Late Payment Warning: If we do not receiveyour Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee of up to $37.00 and your Purchase APR may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you makenoadditional You will pay off the balance charges and each month you shown on this statement in pay... about... Only the Minimum Payment Due And you will pay an estimated total of... 22years $25,247 5402 3 years 514,476 (SovIngs= $10,771) If you would like information about credit counseling services, call 1-888-733.4139. O See page 2 for important information about your account. 2. See Page 13 for Important Information regarding benefits underwritten by AMEX Assurance Company Pleasefold on the perforation below, detach and return with your payment + I21 Payment Coupon Do not staple or use paper clips LESLEY GROFF n Check here if your addressor phone number has changed. Note changes on reverse side. Cosrco Account Ending p. 1.13 Cash Back Reward Aso( Aug 2014 $1,183.66 Get your latest balancesonline. a Enroll at americanexpress.com/regIster Account Summary Previous Balance $7,889.98 Payments/Credits -$8,735.63 New Charges +512,39732 Fees +50.00 Interest Charged +50.00 New Balance $11,551.67 Minimum Payment Due $116.00 Credit Limit 05,000.00 AvallableCredit 523,44833 Cash Advance Limit $5,000.00 AvallableCash $5,000.00 Days in Billing Period: 31 Customer Care Pay by Computer americanexpress.corri/pbc Customer Care Pa b Phone 1488.246-1076 g See page 2 for additional information. Pay by Computer Pa m e americanexpress.com/pbc IIIIIIIIIIIIIIII AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 Account Ending Enter account number on all documents. Make check payable to American Express. Payment Due Date 10/17/14 New Balance $11,551.67 Minimum Payment Due $116.00 • Amount Enclosed 00003'49991346053952 001155167000011600 19 rl EFTA00314689 LESLEY GROFF Account Ending p. 2/13 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 addressto 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 restrictive languageon a payment we accept will have no effect on us without our express prior written approval. We will represent to your financial institution 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 electronically by transmitting the amount of the check routing number, account number and check serial number to your financial institution, unlessthe check is not processable electronkally or a less costly process's 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 deposit or other asset account statement. If we cannot collect the funds electronically we may issuea draft against your deposit or other assetaccount for the amount of the check. (2) By using Pay By Computer, Pay By Phoneor 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. How We Cakulate Your Balance: We use the Average Daily Balance (ADM method (including new transactions)to cakulate the balance on which we charge interest on your Account. Call the Customer Care number listed below for more information about this balance computation method and how resulting interest charges are determined. The method we use to figurethe ADEr and interest results in dollycompoundingof interest. Paying Interest:Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchases if you pay the New Balance by the due date each month. We will charge you interest on cash advances and (unless otherwise disclosed) balance transfers beginning on the transactiondate. Foreign Currency Charges: 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 convened 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 Interbankrate we identify from customary banking sources on 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 (such as airlines)will be billed at the rates such establishmentsuse. Credit Balance: A credit balance(designated 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 S1.00 or more. Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments,or other defaultson your Account may be reflected in your credit report. Customer Care & Billing Inquiries International Collect Large Print & Braille Statements Cash Advance at ATMs Inquiries Hea TTY: FAX: In N : Changeof Address If correct on front, do not use. • To change your address online, visit www.americanexpressxom/updatecontactinfo • Far 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 Horne Phone Area Code and 1Vork Phone Email Website: americanexpress.com Mobile Site: amexmobile.com 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.com/autopay today to enroll. For information on how we protect your privacy and to set your communication and privacy choices. please visit vavrw.amerIcanexpress.comtprivacy. EFTA00314690 EXPRESS AMCPICANl TrueEarninge Card LESLEY GROFF Closing Date 09/22/14 Payments and Credits COSTCO Account Ending p. 3:13 Summary Total Payments Credits -57,889.98 LESLEY GROFF Total Payments and Credits -5845.65 -$8,735.63 Detail Indkates posting date Payments Amount 09/03/14• LESLEY GROFF ELECTRONIC PAYMENT RECEIVED•THANK -57.889.98 Credits Amount 08/24/14 LESLEY GROFF RESTO 989 CW CA MISC HOME FURNISHINGS -$638 08/29/14 LESLEY GROFF AMAZON MKTPLACE PMTSAMZN.COAV8ILL DIRECT MKTG MISC WA -$6.92 08/29/14 LESLEY GROFF PIER 1 010041 NOFtWALK CT -$50.96 09/03/14 LESLEY GROFF ZAPPOS.COM • NV DIRECT MKTG MISC -$79.98 09/03/14 LESLEY GROFF ZAPPOS.COM • NV DIRECT MKTG MISC -$95.18 09/03/14 LESLEY GROFF AMAZON MKTPLACE PMTSAMZN.COMBILL DIRECT MKTG MISC WA -$14.99 09/04/14 LESLEY GROFF RESTO 989 CW CA MISC HOME FURNISHINGS -$414.98 09/14/14 LESLEY GROFF COSTCO WHSE #0324 00NOFtWALK CT -$2126 09/19/14 LESLEY GROFF ZAPPOS.COM • NV DIRECT MKTG MISC •$155.00 New Charges Summary Total LESLEY GROFF DANIEL GROFF Total New Charges $8,231.59 $4,165.73 $12,397.32 Detail LESLEY GROPE Card Ending Amount 08/22/14 ZAPPOS.COM SHOES NV $155.00 Continued on reverse EFTA00314691 LESLEY GROFF Account Ending p. 4/13 Detail Continued Amount 08/23/14 NEW CANAAN WINE LLC NEW CANAAN a Description Price PACKAGE STORE•BEER/ 513.81 513.81 08/23/14 FOOD EMPORIUM 1170500NEW CANAAN a 556.50 08/23/14 ART.COWALLPOSTERS 888-654-0143 CA POSTERS 51220 08/25/14 SHEARERS FOODS INC BREWSTER OH Description SPECIALTY RETAIL 539.90 08/25/14 SUBWAY 052266NEW CANAAN a 514.89 08/25/14 RESTO 989 CW CA HOME FURNISH 5414.98 08/27/14 S&B EMBROIDERY & SCR203.966.1646 542.54 08/27/14 WALGREENS #09821 000NEW CANAAN a Description REFER TO RECEIPT 55.72 08/27/14 FOOD EMPORIUM #70500NEW CANAAN a 513.18 08/28/14 CHEF LUIS 0020 NEW CANAAN a Description FOOD/BEVERAGE 553.61 08/29/14 COSTCO WHSE #0324 00NOFtWALK a 595.86 08/29/14 PIER 1 010041NORWALK a 52122 08/30/14 BRUEGGERS #334 54292NEW CANAAN a FOOD/BEVERAGE 57.94 57.94 08/30/14 USPS 084658084011621NEW CANAAN a 51252 09/01/14 AMAZON VIDEO ON DEMA866.216-1072 WA DIGITAL $4.03 09/01/14 WALGREENS #09821 000NEW CANAAN Description REFER TO RECEIPT 55.84 09/03/14 METRO-NORTH MAIL&RID877-690-5114 NY 5300.86 09/03/14 HOMEGOODS #244 000008008880776 GENERAL MDSE 5145.59 09/03/14 COSTCO WHSE #0324 00NOFtWALK a 55735 Continued on next page EFTA00314692 TrueEarninge Card LESLEY GROFF Closing Date 09/22/14 Detail Continued COSTO, Account Ending p. 513 Amount 09/03/14 WALGREENS 409821 000NEW CANAAN a Description REFER TO RECEIPT $11.25 09/04/14 AMAZON MKTPLACE PMTSAMZN.COWBILL WA BOOK STORES $14.68 09/04/14 AMAZON.COM AMZN.COWBILL WA MERCHANDISE $60.72 09/04/14 PAPERLESS POSTVAPERNEW YORK NY Desalption PAPERLESS POST $12.00 09/04/14 FRAME CREATIONS III SHELTON CT Description SPECIALTY RETAIL ST $750.00 09/05/14 BED BATH & BEYOND 46PATERSON NJ Description CATALOG MERCHANT S160.86 09/05/14 LETIZIA'S PIZZA USFC06851 $39.88 09/06/14 INSECT LORE CA SCIENCE KITS $5.00 09/08/14 NEW CANAAN GULF 0000NEW CANAAN a $13.36 09/08/14 WALGREENS 409821 000NEW CANAAN CT Description REFER TO RECEIPT $552 09/10/14 NEW CANAAN RECREATN NEW CANAAN CT Description GOVERNMNT SRVS ,NEC $121.00 09/10/14 AMAZON.COM AMZN.COM/BILL WA MERCHANDISE $35.08 09/11/14 JETBLUE AIRWAYS 9010JETBLUE NY JETBLUE AIRWAYS From: To: WESTCHESTER COUNTY FT LAUDERDALE/HOLL WESTCHESTER COUNTY N/A N/A Ticket Number: Passenger Name: GROFF/DANIEL MR Document Type: PASSENGER TICKET Carrier. Class: 86 B6 YY 00 YY 00 Date of Departure:10/04 $252.48 09/12/14 NEW CANAAN WINE LLC NEW CANAAN a $23.38 Description Price PACKAGE STORE•BEER/ $23.38 Continued on reverse EFTA00314693 LESLEY GROFF Account Ending p. 6/13 Detail Continued Amount 09/12/14 FOOD EMPORIUM 470500NEW CANAAN a $3.20 09/12/14 RICOS PIZZA 345 MAIN AVE a $26.40 09/12/14 TIAS $55.00 09/13/14 COSTCO WHSE #032400NOFtWALK a $206.99 09/13/14 LAMPS PLUS • 52 CHATSWORTH CA Description BED/BATH/LINEN $270.00 09/14/14 THE HOME DEPOT 6204 NOFtWALK a $61.07 09/14/14 COSTCO WHSE 40324 00NOFtWALK CT $1,701.59 09/15/14 FOOD EMPORIUM 470500NEW CANAAN a $2236 09/15/14 AMAZON MKTPLACE PMTSAMZN.COWBILL WA BOOK STORES $42.98 09/15/14 COFFEE POND 0232 NATICK MA Description PHOTO STUDIOS/1/10EO $29.99 09/16/14 AMAZON MKTPLACE PMTSAMZN.COWBILL WA BOOK STORES $54.99 09/16/14 HOMEGOODS 110203 030080088&3776 GENERAL MDSE $153.10 09/16/14 BEDBATH&BEYOND40006 STAMFORD a $170.14 09/16/14 AMAZON.COM AMZN.COM/BILL WA MERCHANDISE $41.97 09/17/14 STOP & SHOP 4662 NORWALK a $11&43 GROCERY STORE 09/17/14 AMAZON MKTPLACE PMTSAMZN.COM/BILL WA BOOK STORES $29.88 09/17/14 AMAZON MKTPLACE PMTSAMZN.COWBILL WA BOOK STORES $68.77 09/17/14 BOBS•STORES 110042 OONORWALK CT Description CHILDREN CLOTHING $111.62 09/17/14 BEDBATH&BEYOND40006 STAMFORD a $144.61 09/18/14 AMAZON.COM AMZN.COM/BILL WA MERCHANDISE $19.86 09/18/14 NEW CANAAN GULF 0000NEW CANAAN a $10.00 Continued on next page EFTA00314694 TrueEarninge Card LESLEY GROFF Closing Date 09/22/14 Detail Continued COSTCO Account Ending p. 7x13 Amount 09/18/14 US LACROSSE 0202 BALTIMORE MD Description CONTRIBUTIONS/DONAT $25.00 09/18/14 ZAPPOS.COM NV SHOES $693.85 09/19/14 AMAZON.COM AMZN.COWBILL WA MERCHANDISE $9.93 09/19/14 COSTCO WHSE 40324 00NOFtWALK a $39.36 09/19/14 COSTCO WHSE 40324 OONORWALK a $127.64 09/19/14 LETIZIAS PIZZA USFC06851 $51.05 09/20/14 DINOSAUR BAR•BQUE 5STAMFORD a TIP $100.00 $835.04 09/21/14 FOOD EMPORIUM 470500NEW CANAAN a $48.98 09/22/14 AMAZON.COM AMZN.COM/BILL WA MERCHANDISE $79.04 si DANIEL GROFF Card Ending Amount 08/22/14 CHERRYSTREETEAST NEWCANAAN a $77.54 08/28/14 SHELL OIL 5754292200NORWALK CT AUTO FUEL DISPENSER $63.31 08/29/14 SOUTH END 6500000066NEW CANAAN a $20.02 TIP $3.00 08/29/14 CHEF LUIS 0020 NEW CANAAN CT Desalption FOOD/BEVERAGE 08/31/14 CHEF LUIS 0020 NEW CANAAN CT DesalptIon FOOD/BEVERAGE $82.01 $91.26 09/01/14 HURL NE $34.00 09/02/14 COSTUME DISCOUNT NJ COSTUMES $37.07 09/03/14 BMW Of Darien 878851Darien a $2,583.30 09/03/14 SHELL OIL DARIEN CT $7.60 AUTO FUEL DISPENSER Continued on reverse EFTA00314695 LESLEY GROFF Account Ending p. 8113 Detail Continued Amount 09/04/14 !TUNES MUSICUSA ITUNCUPERTINO !TUNES MUSIC STORE CA $3.91 09/06/14 CHEF LUIS 0020 NEW CANAAN a Description FOOD/BEVERAGE $183.58 09/07/14 AT&T•BILL PAYMENT 95DALLAS TX Description TELEPHONE SERVICE/E S188.29 $69.12 09/08/14 STAMFORD GAS LLC 000STAMFORD Description Price GAS/MSC96 35381137 $69.12 a 09/08/14 CVS PHARMACY 41213 QNEW CANAAN Description DRUGS AND SUNDRIES a $6.16 09/11/14 SOUTH END 6500000066NEW CANAAN TIP a $10.73 $56.46 09/12/14 !TUNES MUSICUSA ITUNCUPERTINO !TUNES MUSIC STORE CA $1.00 09/13/14 STOP & SHOP 4662 NORWALK a GROCERY STORE $60.20 09/13/14 CHEF LUIS 0020 NEW CANAAN a Description FOOD/BEVERAGE $182.09 09/13/14 BOBS STORES 110042 OONORWALK Description CHILDREN CLOTHING CT $35.08 09/13/14 TOTAL WINE AND MORE NORWALK a $183.23 09/16/14 STAMFORD GAS LLC 000STAMFORD Description Price GAS/MSC96 45661137 $77.73 a $77.73 09/18/14 ITUNES MUSICUSA ITUNCUPERTINO !TUNES MUSIC STORE CA $1.30 09/20/14 WEST AVENUE STANDARDDARIEN CT $71.42 09/20/14 FOOD EMPORIUM 470500NEW CANAAN a $30.05 09/21/14 EZPASS PREPAID TOLL NY $20.00 Continued on next page EFTA00314696 AMER TrueEarninge Card LESLEY GROFF Closing Date 09/22/14 Fees Cosrco Account Ending p.913 Amount Total Fees for this Period $0.00 Interest Charged Amount Total Interest Charged for this Period $0.00 2014 Fees and Interest Totals Year-to-Date Total Fees in 2014 Total Interest In 2014 Amount $0.00 $0.00 Interest Charge Calculation 1 Your Annual Percentage Rate (APR) Is the annual Interest rate on your account. Transactions Dated From To Annual Percentage Rate Balance Sulklectto InterestRate Interest Charge Purchases 05/03/2006 15.24% (v) $0.00 $0.00 Cash Advances 05/03/2006 25.24% (v) $0.00 $0.00 Total $0.00 CO Variable Rate EFTA00314697 LESLEY GROFF Account Ending p. 10:13 EFTA00314698 LESLEY GROFF Closing Date 09/22/14 Account Ending p. 11/13 Cash Back Reward Summary Total Cash Back as of Aug 2014 Billing Period Charges 51,183.66 Beginning Reward Balance • S T.083.08 Reward Amount Earned' S • 0038 Total Reward Year To Date +51,183.66 'Charges on this billing statement are not reflected in the Rewards Summary information. Reward Amount Earned is pending until the minimum payment has been made. Reward Details Rewards for Aug 2014 Billing Period Charges U.S. Gas Stations U.S. Restaurants Eligible Travel Purchases Other Eligible Purchases Total Reward This Period Total Reward Year To Date Qualified Spend Cash Back Reward $145.33 @3% $321.35 @2% $1,556.39 @2% $5,866.91 @1% 7,889.98 $99,599.94 $4.36 $6.43 $31.13 $58.66 10058 $1,183.66 Important Messages Remember to pay at least the Minimum Payment Due by the Payment Due Date for eligible purchases on this statement to count towards your annual reward and to avoid late fees. EFTA00314699 LESLEY GROFF Account Ending p. 12:13 EFTA00314700 iO314ESS TrueEarningst Card Cosrco p. 1303 LESLEY GROFF Closing Date 09/22/14 Account Ending Notice of Important Changes to the Additional Benefits of Your Card Effective immediately, we are making a change to the location of the Terms and Conditions of the Additional Benefits of Your Card. You can now access and view the Terms and Conditions for the Additional Benefits of your eligible Cards online at americanexpress.com/BenefitsGuide. Depending on your Card, you may have access to the following benefits: Purchase Protection, Return Protection, Extended Warranty, Event Ticket Protection Plan, Global Assist Hotline, Premium Global Assist Hotline, Roadside Assistance Hotline, Enhanced Roadside Assistance, Premium Roadside Assistance, Car Rental Loss and Damage Insurance, Travel Accident Insurance, Baggage Insurance Plan or Employee Card Misuse Protection. If you would like a printed version of the Terms and Conditions, please call the number on the back of your Card. The insurance products are no longer available in certain territories. Effective August 1, 2014, the insurance products that come as a benefit of your Cardmembership are not available for residents of the Federated States of Micronesia, The Marshall Islands, and the Republic of Palau. Depending on your Card, the insurance products may include: Purchase Protection, Extended Warranty, Event Ticket Protection Plan, Car Rental Loss and Damage Insurance, Travel Accident Insurance, Baggage Insurance Plan or/and Employee Card Misuse Protection. 50294 BP/NACBASEJ0914 EFTA00314701