EFTA01121751

Centurion® Card p. 1/9 JEFFREY E EPSTEIN Closing Date 01/28/11 Membership Rewards Points New Balance $12,560.62 As of 01/28/11 1,611,956 Please Pay By 02/13/11 For details, please see your -, Membership Rewards page. Account Summary 2 See page 2 for important information about your account. Previous Balance $1,97130 Payments/Credits 41,971.30 Your payment of $12,560.62 will be debited from your account O New Charges +$12,259.17 on 02/12/11. Any Inquiry to American Express concerning this debit Fees +$301.45 should be made before 02/11/11. 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. New Balance $12,560.62 See Page 9 for important Information about your account and an Daysin Billing Period: 30 updated copy of your Cardmember Agreement. Customer Care Pay by Computer americanexpress.com/pbc Customer Care Pay byPhone 1477477-0987 1.8004724297 O See page 2 for additional information. 121Payment Coupon Do not staple or use paper clips Pay by Computer americanexpress.com/pbc Pay by Phone 1 800 472 9297 L Enter accou t nurnoer on a i aocuments. Make check payable to American Express. JEFFREY E EPSTEIN 6100 RED HOOK QTR Please Pay By STE 38 02/13/11 SAINT THOMAS VI 00802 AutoPay Amount $12,560.62 AMERICAN EXPRESS P.O. BOX 1270 Check here if your address or n phone number has changed. NEWARK NJ 07101-1270 Note changes on reverse side. IIIIIIIIIIIIIIIIII IlrrdIIILllrrrlllrrrlrrrllLrnlrrll 0000349990885308405 001256062001256062 25 rl EFTA01121751 JEFFREY E EPSTEIN p. 2f9 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. Paymentsmust 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 clearablethrough 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 electronically by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, unlessthe check is not processabk 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 financial account statement if we cannot collect the funds electronically we may issue a 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 electronically withdraw funds from the deposit or other asset account you specify in the amount you request. Payments using such services of oursreceived 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 balanceson 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 AM andinterest results in doily compoundingofinterest. PayingInterest: If you have a Pay Over Time balance, your due date is at least 25 days after the close of each billing period. We will not charge you interest on charges added automatically to a Pay Over Time balance,or to charges that were added to a Pay Over Time balance at your request in prior billing periods, if you pay the Account Total New Balance by the next Closing Date. 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 processIt 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 interbank rate 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 51.00 or more. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. IS Customer Service & Billing Inquiries InternationalCollect Large Print & Braille Statements 1.877.877-0987 1-954-503.8905 1-877-877-0987 HearingImpaired TTY:1-800-221-9950 FAX:1-800-695-9090 Website: americanexpress.com Mobile Site: amexmobile.com Express Cash 1-800 CASH-NOW In NY:1400-522-1897 Customer Service & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998-1535 07101.1270 Changeof Address If correct on front, do not use. Pay Your Bill with AutoPay • To change your address online, visit www.americanexpressxom/updatecontactinfo • Far Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. • Avoid late fees • Please print clearly In blue or black ink only In the boxes provided. • Save time Deduct your payment from your bank Street Address account automatically each month Visit americanespress.comMutopay City, State today to enroll. Zip Code Area Code and Horne Phone Area Code and For information on how we protect your 1Vork Phone privacy and to set your communication Email and privacy choices. please visit vavrw.amerIcanexpress.comtprivacy. EFTA01121752 Centurion® Card p. 3/9 JEFFREY E EPSTEIN Closing Date 01/28/11 Payments and Credits Summary Total Payments 41,971.30 Credits $0.00 Total Payments andCredits -$1,971.30 Detail Indicates posting date Payments Amount 12/30/10* ONLINE PAYMENT -THANK YOU -$1,971.30 New Charges Summary Total Total New Charges $12,259.17 Detail "Foreign currency charges subject to a conversion fee equal to 2.7% of the converted US dollar amount. See page 2 for details. s JEFFREY E EPSTEIN Foreign Spend Amount 12/29/10 AT&T DATA 190 ALPHARETTA GA $25.00 800.331.0500 Description TELECOMMUNICAT 01/01/11 SPORTS AUTHORI004895NEW YORK NY $185.53 800.5668143 01/01/11 RITE MD 10533 RITE NEW YORK NY $377.42 BE 01/04/11 !TUNES MUSIC STORE [AUSTIN 1X $4.99 Runes Musk Store 01/05/11 YAHOO SPORTS 866.562.7228 CA $44.95 SERVICE 01/09/11 !TUNES MUSIC STOREIAUSTIN TX $49.99 Runes Musk Store 01/09/11 !TUNES MUSIC STORE AUSTIN TX $99.99 !Tunes Musk Store 01/11/11 !TUNES MUSIC STORE !AUSTIN TX $49.99 !Tunes Musk Store 01/11/11 !TUNES MUSIC STORE [AUSTIN TX $99.99 Runes Musk Store 01/12/11 !TUNES MUSIC STORE [AUSTIN TX $7.98 Runes Musk Store 01/16/11 !TUNES MUSIC STORE (AUSTIN TX $14.99 Runes Musk Store Continued on reverse EFTA01121753 JEFFREY E EPSTEIN p. 4/9 ( Detail Continued " Forekgn currency charges subject to a conversion fee equal to 2.7% Foreign of the convened US dollar amount. See page 2 for details. Spend Amount 01/17/11 !TUNES MUSIC STORE IAUSTIN 1X $23.95 !Tunes Musk Store 01/21/11 !TUNES MUSIC STORE [AUSTIN TX 559.89 !Tunes Musk Store 01/22/11 !TUNES MUSIC STORE (AUSTIN TX $42.88 Runes Musk Store 01/24/11 !TUNES MUSIC STORE (AUSTIN TX $0.99 Runes Musk Store 01/25/11 !TUNES MUSIC STORE AUSTIN 1X $5.98 !Tunes Musk Store 01/26/11 RITZ HEALTH CLUB RITPARIS PA 4.000,00 $5,474.41 "European Union 0143163708 Euro 01/27/11 L'A1AON INT WISSOUS 4.146„20 $5,690.25 "European Union AIRLINE/AIR CARRIER Euro 62FMU4 Fees Amount 01/26/11 FOREIGN TRANSACTION FEE $147.81 RITZ HEALTH CLUB RITZ HEA $5474.41 01/27/11 FOREIGN TRANSACTION FEE S153.64 L'A1AON INT $569025 Total Fees for this Period 5301.45 2011 Fees and Interest Totals Year-to-Date Amount Total Fees in 2011 5301.45 Total Interest In 2011 $0.00 Important Notice Information on Pay Over Time Features Please refer to page 2 for further important You may have access to one or more Pay Over Time Featuresas part of your Card account. The following are the current information regarding Annual Percentage Rates(APRs) for PayOver Time Features. (v) indicates variablerate. your account For Sign and Travel,the APR Is 9.15% (v). For Sign and Travel,the APR Is 9.15% (v). EFTA01121754 MEMBERSHIP Membership Rewards First' Monthly Statement and Program News rewards p. 5 9 Prepared for JEFFREY E EPSTEIN Questions About Your Account? Total Points Balance 1,611,956 membershiprewards.com 1-800-297-1300 Points Earned this Period 64,526 International Collect: 305-816.2799 Did You Know? Account Summary December 1, 2010 • December 31, 2010) Use Points For EverydayCharges Opening Points Balance 1,547,430 Use your Card for everyday purchases like groceries, gas, phone bills and more, then go Points Earned this Period +64,526 online and use the points you earned to cover those charges. Learn more at Points Used this Period 0 membershiprewa rd s.comreverydayc harges Reinstated Points and Adjustments 0 Eam 4X Points When You Shop Online Earn points fast by going through TotalPoints Balance 1,611,956 bonuspointsmall.comevery time you shop online at over 275 retailers. Points Earned this Period are pendinguntil charges are paid in full and all your accounts are in good standIng.Points Earned this Period may include Bonus Points. Points Transaction Detail December 1,2010 • December 31,2010 Points Earnedthis Period Points Activity On Bonus Points Total Points EligibieCharges Awarded Activity Per Card 1,970 0 1,970 713 0 713 0 O 0 0 O 0 0 O 0 58,686 O 58,686 2,758 0 2,758 399 0 399 Total 64,526 0 64,526 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated fora fee by calling the number provided below or visiting membershi rewards.com. Terms and Conditionsof the Membership Rewards program apply. For more information, visit call 1.800-297.1300. From overseas, call collect 305.816.2799. Continued on reverse EFTA01121755 Prepared hi JEFFREY E EPSTEIN MEMBERSHIP 1 p. 6(9 N WOW rewards FIRST* Redeem Membership Rewards Points for Ruth's Chris Steak House Gift Cards To start redeeming RUTH'S Savor the ultimate steak experience at Ruth's Chris Steak House, Membership Rewards where we hand-select each of our steaks from the top 2% of the points today, log on to country's beef and perfectly prepare them to your liking in our membershIprewards. STEAK HOUSE corn or call special 1800-degree broiler. Serving your steak with our 1.800•AXP•EARN signature "sizzle" ensures that every last bite is as hot and (297-3270 delicious as the first. We invite you to stop by soon. Locations and reservations at wunvsuthschris.com (MR Message5661) Terms and conditions for the Membership Rewards Arse program apply. Visit mernbershiprewardsconVterms or call 1.800-297-1300 for more information. Participating partners and available rewards are subject to change without notice. Introducing the Four Seasons Hotels and Resorts in the Membership Rewards', Program For more information, Now you can use Membership Rewards° points to stay at Four visit 4 Seasons Hotels and Resorts. From New York to Paris to the membershIprewards. FOUR SEASONS Seychelles Islands, you can enjoy highly personalized service-24 comflourseasons ASA onef.98.544 hours a day--in truly exceptional surroundings. Whether you are (MR Message 5674) relaxing poolside, dining in a world-class restaurant, or stepping out onto a lovely terrace to take in a breathtaking view, a stay at a Four Seasons property always promises to create memorable moments. Terms and conditions for the Membership Rewards* program apply. Visit membershiprewards.comAenns or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice. Save 10% on The North Face° Apex Bionic Jacket Visit The North Face° Apex Bionic is the most versatile shell in the membershlprewards. Apex collection. This stylish jacket is perfect for activities in cool, corn or call damp conditions. The Apex Weatherblock fabric provides 1-800-AXILEARN (297-32761and redeem SWIMS SHP IIIPUMINW four-way stretch, excellent breathability, water resistance and 13,400 points for reward good thermal capability. code PRM181. Save 10% on The North Face° Apex Bionic Jacket when you (MR Message 5653) redeem by February 28th, 2011. Terms and conditions for the Membership Rewards* program apply. Visit membershIprewards.comAenns or call 1-800-AXP-EARN (297-3276i for more information. Participating partners and available rewards are subject to change without notice. Continued on next page 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. EFTA01121756 ■ Prepared tar JEFFREY E EPSTEIN Earn Double Points for Spa Getaways at Exclusive Resorts MEMBERSHIP FIRSr rewards p. 7/9 Earn double mr Unwind and indulge with Destination Hotels & Resorts. Membership Rewards r gESTINAT ION ORTS points at premier resorts. 141e HOTELS a RES For more information, Staying at these luxury spa retreats earns you double go to Membership Rewards" points through 3/31/11. www.destInatIonhotels. com/rewards (MR Bonus ID 7711) Offer valid siiril-3,31/is al select partcrpabng holds ordy. To to elable la eam bones porno you must be aerobic' a the laemboshb ROovat0S Dr0orant al tale Ol stay S thaw your slay on an eligible. enrolttd Omer Can EttOraSSireard 20%00A:tont IS based for new reservation OW. and upgrade tc.r.c0 on andel:ayal check in. Ineligible ralce inclado by ate not limited mil-corm apcoesan rates (such as third panty Caine Wave, agenIS). tradllIOneJvindeSsIO rates. Or COrtreottadrOltalS Bonus poolstoil I:BONN:kW to your MernberStot ROdstedS account worn 6.8 tseatit alter ChargOS Ocoee, on you, ttlIng staterrent.80ftud ID 7711. Save 28% on a TaylorMade R9 SuperTri Driver Visit Loaded. Longer. Distance comes through optimization. Features membershIprewards. corn or call itiaylorMade first time combining FCT and MWT" in a 460cc head. Promotes up to 75 yards of side-to-side trajectory change for straighter, 1-800-A XP-EARN (297-3276)and redeem longer tee shots. Aerodynamic shape, deeper face and deeper 36.800 points for reward CG promote higher launch and more spin. Lighter, softer-tipped code PAM2100. Motore graphite shaft promotes more speed, higher launch for added distance. Save 28% on a TaylorMade R9 SuperTri Driver (MR Message 5652) redeemed by 2/28/11. Terms and conditions for the Membership Rewards' program apply. Visit membershIprewards.coniltenns or call 1.800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice. Use Membership Rewardss Points to Plan Your Winter Escape Today! To redeem points for ASPENCj)SNOWMASS. 1REPOWER OFFOUR Boundless dining, amazing nightlife and four mountains with a Aspen/Snowmass lift variety of bumps, bowls, chutes and cruisers spread across 5,300 tickets, ski/snowboard Snowman I Aspen Mountain acres of terrain provides the perfect winter escape! There's rentals or adult group Aspen Highlands I Buttermilk lessons. visit never been a better time to visit Aspen/Snowmass--come live it! membershIprewards. Redeem Membership Rewards points for 1-or 3-day lift tickets, com/aspen or call equipment rentals and ski/snowboard school lessons. Rewards 1-800-A XP-EARN start at only 3,000 points. As always, kids ages 6 and under 1297-32761 ski/ride for FREE at all four Aspen/Snowmass mountains. (MR Message 5675) Terms and conditions for the Membership Rewards program apply. Visit membershIprewards.conitterms or call 1-800-futP-EARN (297-3276) for more Information. Participating partners and available rewards are subject to change without notice. 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. EFTA01121757 Rowed fix JEFFREY E EPSTEIN MEMBERSHIP p 89 rewards FIRST* EFTA01121758 p. 9:9 OO, 14ESS Re: Centurion® Card 01/20/2011 Dear Jeffrey E Epstein, We want to help you understand how your charge card works. This includes changes we're required to make because of new federal regulations that impact late payment fees, returned payment fees, and Penalty APRs. These changes are summarized in the table below. We're also pleased to let you know we've rewritten your Cardmember Agreement so it's simpler and easier to use and understand. We've enclosed a copy of your new Cardmember Agreement, which includes information on: • rates and fees for your account • the minimum payment due and how payments are applied • when interest charges apply, and when they don't • other account terms You can learn more about how to manage your card account and protect your credit with simple tips, advice, and explanations by visiting americanexpress.com/consumerresources. Important Changes to Your Account Terms The following is a summary of changes to your account terms, effective August 22, 2010. More detailed information about these account terms appears on page 2 of the Cardmember Agreement. Revised Terms, as of August 22, 2010 Late Payment Fee Up to $35: however, if you do not pay for two billing periods in a row, your fee will be $35 or 2.99% of the past due amount, whichever is greater. Returned Payment Fee Up to $35 Penalty APR and When 27.24% It Applies This APR will vary with the market based on the Prime Rate. This APR will apply to your account if you: 1) make one or more late payments; or 2) make a payment that is returned. How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the penalty APR is applied. The Penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. IMPORTANT: See the reverse side of this letter for information about the duration of the Penalty APR. Thank you for your Cardmembership. We look forward to continuing to serve you. Sincerely, American Express See reverse side for important information CMAEUALE0000104 EFTA01121759 How Long will the Penalty APR Apply? It a Penalty APR currently applies to your Account, we will review it on or before February 22. 2011. Before this review, this Penalty APR will apply unless you meet the conditions in effect prior to this change. CMAEUALE0000104 EFTA01121760 Cardmember Agreement: Part 1 of 2 As of: 01/20/2011 Centurion® Card Cardmember Name: Jeffrey E Epstein Issuer: American Express Centurion Bank Rates and Fees Table Interest Rates Annual Percentage Rate 9.150/o (APR) This APR will vary with the market based on the Prime Rate. Penalty APR and When it 27.24% Applies This APR will vary with the market based on the Prime Rate. This APR will apply to your account if you: 1) make one or more late payments: or 2) make a payment that is returned. How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. Paying Interest Your due date is at least 25 days after the close of each billing period. We will begin charging interest on charges as of the date they are added to a Pay Over Time balance, including Select & Pay Later. We will not charge interest on charges added to a Pay Over Time balance automatically if you pay the Account Total New Balance by the due date each month. Fees Annual Membership Fee $2500 Transaction Fees • Foreign Transaction 2.7% of each transaction after conversion to US dollars. Penalty Fees • Late Payment Up to $35; however, it you do not pay for two billing periods in a row, your fee will be $35 or 2.99% of the past due amount, whichever is greater. • Returned Payment Up to $35 How we calculate interest: We use the Average Daily Balance method (including new transactions). See the How we calculate interest section in Part 2. Your Billing Rights: See Part 2 for information on how to exercise your rights to dispute transactions. CMAEUAAO0000101 Page I of 9 EFTA01121761 How Rates and Fees Work Rates for Pay Over Time balances See About Pay Over Time features In Pan 2 of this Agreement Calculating The Annual Percentage Rate (APR) for variable rates is determined by adding an amount (margin) APRs and DPRs to the Prime Rate (see Determining the Prime Rate in Pad 2). The Daily Periodic Rate (DPR) is 1/365th of the APR, rounded to one ten-thousandth of a percentage point. Rate Description Prime + Margin APR DPR Annual Percentage Rate Prime + 5.90% 9.15% 0.0251% Penalty APR Prime + 23.99% 27.24% 0.0746% Penalty APR for The penalty APR applies to new transactions if: If the Penalty APR applies to a balance. it will new transactions • you do not pay at least the Minimum apply to charges added to that balance 15 or Payment Due by the Closing Date of the more days after we send you notice. billing period in which it is due 3 times in 12 billing periods, We will review your Account every 6 months after • you do not pay at least the Minimum Payment the Penalty APR is applied. The Penalty APR will Due by the Closing Date of the billing period continue to apply until you have made timely in which it is due and you still do not pay it by payments with no returned payments during the 6 the Closing Date of the next billing period, or months being reviewed. • your payment is returned by your bank. Penalty APR for If you do not pay at least the Minimum Payment Due within 60 days after its Payment Due Date, we existing balances can apply the penalty APR to those balances it does not already apply to. After you pay on time for 6 billing periods in a row, the penalty APR will no longer apply to those balances (but it may still apply to other balances as described above). Fees Initiation This fee is on the Rates and Fees Table on page 1 of Pad 1. This fee is a finance charge. Annual Membership This fee is on the Rates and Fees Table on page 1 of Pad 1. We will charge $1,500 for each additional Centurion Card, $175 for up to 3 additional Platinum Cards, $175 for each additional Platinum Card after the first 3, $45 for up to 5 additional Gold Cards, and $45 for each additional Gold Card thereafter. Late Payment Up to $35 or 2.99% of the amount past due. If you do not pay the Amount Due on a billing statement before the 20th day after the next Closing Date, the fee is $25. If this happens again within the next 6 billing periods, the fee is $35 instead. In both cases, if you do not pay the amount past due by the following Closing Date, we will charge, in that same billing period, the greater of $35 or 2.99% of the amount past due. For each subsequent billing period that an amount past due remains unpaid, the fee is the greater of $35 or 2.99% of any amount past due. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a Penalty APR. See Penalty APR for new transactions and Penalty APR for existing balances above. Returned Payment Up to $35. If your payment is returned unpaid the first time we present it to your bank, the fee is $25. If this happens again within the next 6 billing periods, the fee is $35. However, the returned payment fee will not exceed the Minimum Payment Due on the last Payment Due Date before the payment is returned. A returned payment may also result in a Penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Statement Copy $5 for each statement you request, except for the 3 most recent billing periods. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Foreign Transaction 2.7% of the convened U.S. dollar amount. This fee is a finance charge. See Converting charges made in a foreign currency in Pad 2. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAEUAAO0000101 Page 2 of 9 EFTA01121762 Cardmember Agreement: Part 2 of 2 CD 27737 Introduction About your This document together with Part 1 make up the supplements or amendments are also part of the Cardmember Agreement Cardmember Agreement (Agreement) for the Agreement. When you use the Account (or you sign Account Identified on page 1 of Part 1. Any or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to to some terms may require 45 days advance notice. applicable law. We may do this in response to the and we will tell you in the notice if you have the right business, legal or competitive environment. to reject a change. We cannot change certain terms during the first year of your Cardmembership. We cannot increase the interest rate on existing balances except in limited circumstances. Changes Words we use in We. us, and our mean the issuer shown on page 1 Card means any card or other device that we issue the Agreement of Part 1. You and your mean the person who to access your Account. A charge is any amount applied for this Account and for whom we opened added to your Account, such as purchases, fees and the Account. You and your also mean anyone who interest charges. A purchase is a charge for goods agrees to pay for this Account. You are the Basic or services. Cardmember. You may request a card for an To pay by a certain date means to send your Additional Cardmember (see About Additional payment so that we receive it and credit It to your Cardmembers in Part 2). Account by that date (see About your payments in Part 2). About using our card Using the card You may use the card to make purchases. You may not required to) tell these merchants about your also use the card at an ATM to get cash from a Account status or changes to your card number or checking account you designate. expiration date. You must notify the merchants We decide whether to approve a charge based on directly if you want them to stop charging your Account. how you spend and pay on this Account and other accounts you have with us and our affiliates. We also Keep your card safe and don't let anyone else use it. consider your credit history and your personal If your card is lost or stolen or your Account is being resources that we know about. used without your permission, contact us right away. You may arrange for certain merchants to charge You may not use your Account for illegal activities. your Account at regular intervals. We may (but are Promise to pay You promise to pay all charges. including: • charges you make, even if you do not present your card or sign for the transaction, • charges that other people make if you let them use your Account, and • charges that Additional Cardmembers make or permit others to make. Declined transactions We may decline to authorize a charge. Reasons we We are not responsible for any losses you incur if we may do this include suspected fraud and our do not authorize a charge. And we are not assessment of your crecitworthiness. This may occur responsible if any merchant refuses to accept the even if your Account is not in default. card. About Pay Over We may add features to your Account that allow you outside the U.S. If you enroll in the Extended Time features to pay certain charges over time. These features Payment Option, we will automatically place all include Select & Pay Later, Sign & Travel° and the eligible charges into a Pay Over Time balance. A Extended Payment Option. charge is eligible if it equals or is more than a certain Select & Pay Later lets you pay a charge over time in dollar amount. We will tell you this amount when you two ways. You may ask a travel Industry merchant at enroll, and it is subject to change. We will tell you if we change it. Certain charges are not eligible, such the time you make the charge. or ask us after the charge appears on your statement. If we approve as cash and similar transactions. your request, we will place the charge Into a Pay We will not place any charge into a Pay Over Time Over Time balance. II we decline your request, you balance if it causes the total of your Pay Over Time must pay the charge in full upon receipt of your balances to go over $35,000. We will tell you If we billing statement. change that amount. You must pay in full all charges If you enroll in Sign & Travel, we will automatically that are not placed Into a Pay Over Time balance place eligible travel•related charges into a Pay Over upon receipt of your billing statement. We may change which charges are eligible to be placed into Time balance. Some examples are aidine and cruise ship tickets. hotels, car rentals and charges made a Pay Over Time balance. CMAEUACM0000101 Page 3 of 9 EFTA01121763 About your payments When you must pay Payment of the New Balance is due upon receipt of of the same day it is received. your statement. If a statement includes a Pay Over Each statement also shows a Closing Date. The Time balance. it will show a Minimum Payment Due. Closing Date is the last day of the billing period In this case, you must pay at least the Minimum covered by the statement. Each Closing Date is Payment Due by the Payment Due Date. Each about 30 days after the previous statement's Closing statement also states the time and manner by which Date. you must make your payment for it to be credited as How to make payments Make payments to us in U.S. dollars with: your billing statement. If we receive it after that time, • a single check drawn on a U.S. bank. or we will credit the payment on the day after we • a single negotiable instrument clearable through receive it. the U.S. banking system, for example a money II your payment does not meet the above order, or requirements, there may be a delay in crediting your • an electronic payment that can be cleared through Account. This may result in late fees and additional the U.S. banking system. interest charges (see How Rates andFees Work on When making a payment by mail: page 2 of Part 1). • make a separate payment for each account. II we decide to accept a payment made in a foreign • mail your payment to the address shown on the currency, we will choose a rate to convert your payment coupon on your billing statement, and payment into U.S. dollars, unless the law requires us • write your Account number on your check or to use a particular rate. negotiable Instrument and include the payment coupon. II we process a late payment, a partial payment or a payment marked with any restrictive language, that If your payment meets the above requirements, we will have no effect on our rights and will not change will credit it to your Account as of the day we receive this Agreement. it, as long as we receive it by the time disclosed in How we apply payments If a statement includes a Pay Over Time balance, it rate and then to balances with higher interest rates. and credits will show a Minimum Payment Due. The Minimum After the Minimum Payment Due has been paid, we Payment Due is the Pay In Full New Balance plus apply payments to the remaining Pay Over Time bal- the Pay Over Time Minimum Due. ance. When we do this, we apply payments first to If you have a Pay Over Time balance, we generally the balance with the highest interest rate and then to apply payments up to the Minimum Payment balances with lower interest rates. Due first to the Pay Over Time Minimum Due and In most cases, we apply a credit to the same bal- then to the Pay In Full New Balance. When applying ance as the related charge. We may apply payments a payment to the Pay Over Time Minimum Due, we and credits within balances, and among balances apply it first to the balance with the lowest interest with the same interest rate, in any order we choose. About your Minimum Payment Due How we calculate your The Minimum Payment Due is the Pay In Full amount plus any Pay Over Time Minimum Due. Minimum Payment Due To calculate the Pay Over Time Minimum Due for each statement, we start with the highest of the EXAMPLE: Pay Over Time Minimum Due following three amounts: Assume that your Pay Over Time New Balance (1)2% of the Pay Over Time New Balance: or is $3.000. interest is $29.57 (see the example on (2) Interest charged on the statement plus 1% of the the next page). and you have no Pay Over Time Pay Over Time New Balance (excluding interest amounts past due. on the statement), not to exceed 4% of the Pay Over Time New Balance: or (1) 2% x $3.000 =$60.00 (3) $20. (2) $29.57 + 1% x ($3.000 - $29.57) = $59.27 (3) $20.00 Then we round to the nearest dollar. After that, we add any Pay Over Time amount past due. The highest of the three amounts is $60.00. However, your Pay Over Time Minimum Due will not So the Pay Over Time Minimum Due is $60.00. exceed your Pay Over Time New Balance. Adjusting your Pay Over If you regularly pay more than the Minimum Payment Due described above, we may adjust the Pay Over Time Minimum Due Time Minimum Due in future billing periods. This may let you make a smaller minimum payment from time to time. But if you then do not regularly pay more than the Minimum Payment Due described above. we will stop making the adjustment and return to the formula above. II we start or stop making the adjustment. we will do so for at least six billing periods in a row. To Oust the Pay Over Time Minimum Due, we will not add 1% of the Pay Over Time New Balance in (2). Then, if (2) is the highest (but less than 4% of the Pay Over Time New Balance), we will add $15. continued on next page... CMAEUACM0000101 Page 4 of 9 EFTA01121764 OPPRESS ...continued from previous page We will do this if over six billing periods the sum of payments credited to your Pay Over Time balance is more than the sum of the Pay Over Time Minimum Dues (not adjusted, except any Pay Over Time amount past due is counted only in the first of those six periods). We will also make the adjustment it over six billing periods the sum of the Pay Over Time Minimum Dues (not adjusted) is not more than $120 and equals the sum of payments credited to your Pay Over Time balance. However, we will not make the adjustment if the sum of the Pay Over Time Minimum Dues is zero and we did not adjust the Pay Over Time Minimum Due the last time it was not zero. About interest charges on Pay Over Time balances When we charge interest For charges added at your request If you pay the Account Total New Balance on a We charge interest on charges that are added at statement by the Closing Date shown on the next your request to a Pay Over Time balance as of the statement, then on that next statement we will not date the charge is added. If you pay the Account charge interest on those charges. Total New Balance on a statement by the Closing II you paid the Account Total Previous Balance on a Date on the next statement, then on that next statement by its Closing Date, and you pay less than statement we will not charge interest on any Pay the Account Total New Balance on that statement by Over Time portion of that Account Total New the Closing Date of the next statement, then we will Balance. not charge interest on the portion of automatically For charges added automatically added charges that we apply your payment to. But We charge interest on charges that are added we will charge interest on the remaining portion of automatically to a Pay Over Time balance beginning those charges. on the transaction date. However, you can avoid Also, we will not charge interest on automatically paying interest on those charges as described added charges shown on a statement if the Account below. Total Previous Balance on that statement is zero or a credit balance. How we calculate Interest We calculate interest for a billing period by first figuring the interest on each balance. Balances within each feature such as Select & Pay Later. Sign & Travel and Extended Payment Option may have different interest rates. We use the Average Daily Balance method Daily Balance (Including new transactions) to figure interest For each day a DPR is in effect, we figure the daily charges for each balance. The total interest charged balance by: for a billing period is the sum of the interest charged • taking the beginning balance for the day. on each balance. • adding any new charges, • subtracting any payments or credits: and Interest The interest charged for a balance in a billing period. • making any appropriate adjustments. except for variations caused by rounding. equals: We add a new charge to a daily balance as of its • Average Daily Balance (AM x transaction date. • Daily Periodic Rate (DPR) x Beginning balance • number of days the DPR was in effect. For the first day of a billing period the beginning ADB balance is the ending balance for the prior biting To get the ADB for a balance, we add up its daily period, including unpaid interest. For the rest of the balances. Then we divide the result by the number billing period, the beginning balance is the previous of days the DPR for that balance was in effect. II the days daily balance plus an amount of interest equal daily balance is negative, we treat it as zero. to the previous days daily balance multipliedby the DPR DPR for that balance. This method of figuring the A DPR is 1/365th of an APR, rounded to one ten• beginning balance results in daily compounding of interest. thousandth of a percentage point. Your DPRs are shown in How Rates and Fees Work on page 2 of When an interest rate changes, the new DPR may Part 1. come into effect during not just at the beginning of the billing period. When this happens, we will EXAMPLE: Calculating Interest create a new balance and apply the new DPR to it. Assume that you have a single interest rate of To get the beginning balance on the first day for this 15.99%. your ADB is $2.250 and there are 30 new balance. we multiply the previous day's daily days in the billing period. balance by the old DPR and add the result to that days daily balance. The DPR is 15.99% ÷ 365 days = 0.0438% Other methods Interest is $2.250 x 0.0438% x 30 days = $29.57 To figure the ADB and interest charges. we may use other formulas or methods that produce equivalent results. Also, we may choose not to charge interest on certain types of charges. CMAEUACM000010I Page 5 o19 EFTA01121765 Determining the We use the Prime Rate from the Money Rates use the Prime Rate from any other newspaper of Prime Rate section (or successor section) of The Wall Shoat general circulation in New York, New York. Or we Journal. The Prime Rate for each billing period is the may choose to use a similar published rate. Prime Rate published in The Wall Street Journal 2 If the Prime Rate increases, variable APRs (and days before the Closing Date of the billing period. corresponding DPRs) will increase. In that case, you The Wall Street Journal may not publish the Prime may pay more interest and may have a higher Rate on that day. II it does not, we will use the Prime Minimum Payment Due. When the Prime Rate Rate from the previous day it was published. If The changes, the resulting changes to variable APRs Wall Sheet Journal is no longer published we may take effect as of the first day of the billing period. Other important information About Additional At your request, we may issue cards to Additional You authorize us to give Additional Cardmembers Cardmembers Cardmembers. They do not have accounts with us information about your Account and to discuss it with but they can use your Account subject to the terms them. of this Agreement. II you want to cancel an Additional Cardmembers You are responsible for all use of your Account by right to use your Account (and cancel their card) you Additional Cardmembers and anyone they allow to must tell us. use your Account. You must pay for all charges they make. Converting charges made If you make a charge in a foreign currency, we will identify from customary banking sources on the In a foreign currency convert it into U.S. dollars on the date we or our conversion date or the prior business day. This rate agents process it. Unless a particular rate is required may differ from rates that are in effect on the date of by law. we will choose a conversion rate that is your charge. We will bill charges converted by acceptable to us for that date. The rate we use is no establishments (such as airlines) at the rates they more than the highest official rate published by a use. government agency or the highest interbank rate we Changing your billing You must notify us immediately if you change the: If you have more than one account, you need to address • mailing address where we send billing statements: notify us separately for each account. or We may update your billing address if we receive • e•mail address to which we send notice that your information that it has changed or is incorrect. billing statement is available online. Closing your Account You may close your Account by calling us or writing to us. Cancelling or suspending We may: We may do any of these things at our discretion, your Account • cancel your Account. even if you pay on time and your Account is not in • suspend the ability to make charges. default. • cancel or suspend any feature on your Account. If your Account is cancelled, you must destroy your and cards. We may agree to reinstate your Account after • notify merchants that your Account has been a cancellation. If we do this, we may: cancelled or suspended • reinstate any additional cards issued on your If we do any of these, you must still pay us for all Account, charges under the terms of this Agreement. • charge you any applicable annual lees. and • charge you a fee for reinstating the Account. About default We may consider your Account to be in default if: II we consider your Account in default, we may: • you violate a provision of this Agreement. • suspend your ability to make charges. • you give us false information. • cancel or suspend any feature on your Account. • you file for bankruptcy. • require you to pay more than your Minimum • you default under another agreement you have Payment Due immediately, and with us or an affiliate. • require you to pay your Account balance • you become incapacitated or die. or immediately. • we believe you are unable or unwilling to pay your debts when due. Credit reports You agree that we may obtain credit reports about term of this Agreement. This may have a negative you. investigate your ability to pay. and obtain impact on your credit record. information about you from other sources. And you II you believe information we have given to a credit agree that we may use such information for any reporting agency is incorrect, write to us at: purposes. subject to applicable law. American Express Credit Bureau Unit, P.O. Box You agree that we may give information about your 981537. El Paso, TX 79998.1537. When you write to Account to credit reporting agencies. We may tell a us, tell us the specific information you believe is credit reporting agency if you fail to comply with any incorrect. CMACUACM0000101 Page 6 of 9 EFTA01121766 6l il(AN ra DCPRE SS Collection costs You agree to pay al reasonable costs, including attorneys' fees, that we incur to collect amounts you owe. Sending you notices We mail you notices through the U.S. mail, postage prepaid. and address them to you at the latest billing address on our records. Any notice that we send you this way is deemed to be given when deposited in the U.S. mail. We may contact you From time to time, we may contact you about topics to ensure the quality of customer service or when it ranging from servicing to marketing otters to is required by law. collecting amounts you owe. We may monitor and You can choose to not receive marketing otters from record phone calls between you (or any Additional us. To do this, call us at 1.800.297-8378 or log on to Cardmembers on your Account) and us. We do this winv.americanexpress.comroommunications About Insurance products We or our affiliates may tell you about insurance and another affiliate is the Insurer or reinsurer. non-insurance products, services or features that Compensation may influence what products and may have a lee. One of our affiliates may act on providers we or our affiliates tell you about. behalf of a provider of these products. The affiliate We may share information about you with our may be compensated for this. The insurance affiliates so they can identify products that may products are not offered or sold by us or on our interest you. We may be compensated for this behalf. Our affiliates may get additional information. compensation when Amex Assurance Company or How we handle When you pay us by check, you authorize us to II we do this, your payment may be deducted from electronic debits from electronically deduct the amount from your bank or your bank or other asset account on the same day your checking account other asset account. We may process the check we receive your check. Also, you will not receive that electronically by transmitting to your financial cancelled check with your bank or asset account institution: billing statement. • the amount. II we cannot collect the funds electronically, we may • the routing number, issue a draft against your bank or other asset • the account number, and account for the amount of the check. • the check serial number. ExpressPay Cards issued on your Account may be equipped with ExpressPay. ExpressPay enables you to make charges without having the card swiped or imprinted. You can call us to deactivate ExpressPay at any time. Also, we may deactivate ExpressPay at any time. Privacy Act of 1974 notice Some federal agencies may accept the card under authority of statute. When you make charges at these agencies, we collect certain charge information. That information may be put to routine uses, such as processing. billing and collections. It may also be aggregated for reporting, analysis and marketing use. Other routine uses by agencies may be published in the Federal Register. Changing benefits We have the right to add, modify or delete any benefit or service of your Account at our discretion. Assigning the Agreement We may sell, transfer or assign this Agreement and your Account. We may do so at any time without notifying you. You may not sell, assign or transfer your Account or any of your obligations under this Agreement. Assigning claims If you dispute a charge with a merchant. we may You agree that you will not pursue any claim against credit the Account for all or part of the disputed the merchant for the credited amount. And you must charge. If we do so, you assign and transfer to us all cooperate with us it we decide to do so. rights and claims (excluding tort claims) against the merchant. We do not waive our rights We may choose to delay enfordng or to not exercise rights under this Agreement. II we do this, we do not waive our rights to exercise or enforce them on any other occasion. Governing law Utah law and federal law govern this Agreement and We are located in Utah. We hold your Account In your Account. They govern without regard to internal Utah. We entered into this Agreement with you In principles of conflicts of law. Utah. Arbitration This Arbitration provision sets forth the or relating to your Account, this Agreement, corporate parent, or wholly or majority owned circumstances and procedures under which the Electronic Funds Transfer Services subsidaries, affiliates, any licensees, claims may be arbitrated instead of litigated in Agreement. and any other related or prior predecessors, successors. assigns. any COWL agreement that you may have had with us, or purchaser of any accounts, all agents. Definitions the relationships resulting from any of the employees, directors and representatives of above agreements. except for the validity. any of the foregoing. and other persons As used in this Arbitration provision, the term enforceability or scope of this Arbitration referred to below in the definition of claims. claim means any claim, dispute or provision. For purposes of this Arbitration Claim Includes claims of every kind and controversy between you and us arising from provision, you and us also Includes any continued on next page... CIAAEUACM0000101 Page 7 of 9 EFTA01121767 ...continued from previous page 9 U.S.C. §§1-16, as it may be amended with the FM and applicable statutes of nature, including but not limited to. Initial below. (FM), provided that any such limitations. shall honor claims of privilege claims, counterclaims, cross•claims and third• organization and arbitrator(s) will enforce the recognized at law, and. at the timely request party claims and claims based upon contract. terms of the Restrictions on Arbitration of either party, shall provide a brief written tort. fraud and other intentional torts, statutes, subsection set forth below. explanation of the basis for the decision. regulations, common law and equity. Claim Significance of Arbitration The arbitration proceeding shall not be also includes claims by or against any third IF ARBITRATION IS CHOSEN BY ANY governed by any federal or state rules of civil party using or providing any product. service PARTY WITH RESPECT TO A CLAIM. procedure or rules of evidence. My party may or benefit in connection with any account NEITHER YOU NOR WE WILL HAVE THE request that the arbitrator expand the scope (including, but not limited to. credit bureaus, RIGHT TO LITIGATE THAT CLAIM IN of discovery by doing so in writing and third parties who accept the card. third parties COURT OR HAVE A JURY TRIAL ON THAT copying any other parties, who shall have 15 who use, provide or participate in fee•based CLAIM. FURTHER, YOU AND WE WILL NOT days to make objections. The arbitrator will or free benefit programs. enrollment services HAVE THE RIGHT TO PARTICIPATE IN A notify the parties of his/her decision within 20 and rewards programs, credit insurance REPRESENTATIVE CAPACITY OR AS A days of any objecting party's submission. The companies. debt collectors and all of their MEMBER OF ANY CLASS OF CLAIMANTS arbitrator shall take reasonable steps to agents. employees, directors and PERTAINING TO ANY CLAIM SUBJECT TO preserve privacy. The arbitrator's award shall representatives) if and only if. such third party ARBITRATION. EXCEPT AS SET FORTH be final and binding, except for any right of is a party in connection with the claim. The BELOW, THE ARBITRATOR'S DECISION appeal provided by the FAA; however, either term claim is to be given the broadest WILL BE FINAL AND BINDING. NOTE THAT party shall have 30 days to appeal that possible meaning that will be enforced and OTHER RIGHTS THAT YOU OR WE decision by notifying the arbitration includes, by way of example and without WOULD HAVE IF YOU WENT TO COURT organization and any other parties in writing. limitation, any claim, dispute or controversy ALSO MAY NOT BE AVAILABLE IN The organization will then appoint a three- that arises from or relates to (a) any of the ARBITRATION. arbitrator panel which shall consider anew accounts created under any of the any aspect of the decision objected to by the agreements, or any balances on any such Restrictions on Arbitration appealing party. The panel shall issue its accounts, (b) advertisements, promotions or IF EITHER PARTY ELECTS TO RESOLVE A decision, by majority vote, within 120 days of oral or written statements related to any such CLAIM BY ARBITRATION, THAT CLAIM the appealing party's written notice. Judgment accounts, goods or services financed under SHALL BE ARBITRATED ON AN upon any award rendered by the arbitrator or any of the accounts or the terms of financing, INDIVIDUAL BASIS. THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY CLAIMS panel may be entered in any court having (c) the benefits and services related to jurisdiction. Cardmembership (including fee•based or free TO BE ARBITRATED ON A CLASS ACTION benefit programs, enrollment services and BASIS OR ON BASES INVOLVING CLAIMS Location of Arbitration rewards programs), and (d) your application BROUGHT IN A PURPORTED Arbitration hearings you attend shall take for any account. We shall not elect to use REPRESENTATIVE CAPACITY ON BEHALF place in the federal judicial district of your arbitration under this Arbitration provision for OF THE GENERAL PUBLIC, OTHER residence. any claim that you properly file and pursue in CARDMEMBERS OR OTHER PERSONS Payment of Fees a small claims court of your state or SIMILARLY SITUATED. The arbitrator's You will be responsible for paying your share. municipality so long as the claim is individual authority to resolve claims is limited to claims if any, of the arbitration lees (including filing. and pending only in that court. between you and us alone, and the administrative, hearing andlor other fees), but arbitrators authority to make awards is limited Initiation of Arbitration only up to the amount of the filing fees you to awards to you and us alone. Furthermore, My claim shall be resolved, upon the election claims brought by you against us. or by us would have incurred if you had brought a by you or us, by arbitration pursuant to this claim in the state or federal court closest to against you. may not be joined or your billing address that would have had Arbitration provision and the code of consolidated in arbitration with claims brought procedures of the arbitration organization to jurisdiction. We will be responsible for any by or against someone other than you, unless which the claim is referred in effect at the time agreed to in writing by all parties. No additional arbitration fees. At your written the claim is filed (code), except to the extent arbitration award or decision will have any request. we will consider in good faith making the code conflicts with this Agreement. Claims preclusive effect as to issues or claims in any a temporary advance of all or part of your shall be referred to either JAMS or the share of any arbitration fees. You will not be dispute with anyone who is not a named party assessed any arbitration lees in excess of American Arbitration Association (MA). as to the arbitration. Notwithstanding any other selected by the party electing to use your share if you do not prevail in any provision of this Agreement (including but not arbitration. If our selection of either of these arbitration with us. limited to the Continuation subsection below) organizations is unacceptable to you, you and without waiving either party's right to Continuation may select the other organization within 30 appeal such decision. should any portion of This Arbitration provision shall survive termi- days after you receive notice of our selection. this Restrictions on Arbitration subsection be nation of your Account: voluntary payment of For a copy of the code, to file a claim or for deemed invalid or unenforceable, then the the Account balance in full by you: any legal other information, contact either: JAMS (1920 entire Arbitration provision (other than this proceeding by you or us to collect a debt Main St tt300, Irvine, CA 92614 or sentence) shall not apply. owed by the other; any bankruptcy by you or jamsadr.00m) or AAA (335 Madison Ave, New us: and any sale by us of your Account (in the York, NY 10017 or adr.org). Arbitration Procedures case of a sale, its terms shall apply to the This Arbitration provision is made pursuant to buyer of your Account). If any portion of this In addition to the organizations listed above, transactions involving interstate commerce claims may be referred to any other arbitration and shall be governed by the FAA. The Arbitration provision, except as otherwise pro- organization that is mutually agreed upon in vided in the Restrictions on Arbitration sub- arbitration shall be governed by the applicable section, is deemed invalid or unenforceable. it writing by you and us, or to an arbitration code, except that this Agreement shall apply if shall not invalidate the remaining portions of organization or arbitrator(s) appointed there are any conflicts. The arbitrator shall pursuant to § 5 of the Federal Arbitration Act, apply applicable substantive law consistent this provision. CMAEUACM0000101 Page 8 of 9 EFTA01121768 Your Billing Rights: Keep this Document for Future Use This notice tells you about your rights and our While we investigate whether or not there has Your Rights If You Are Dissatisfied With responsbilities under the Fair Credit Billing been an error: Your Credit Card Purchases Act. • We cannot try to collect the amount in II you are dissatisfied with the goods or question, or report you as delinquent on services that you have purchased with your What To Do If You Find a Mistake on Your Statement that amount. credit card, and you have tried in good faith to II you think there is an error on your The charge in question may remain on your correct the problem with the merchant, you statement, write to us at: statement, and we may continue to charge may have the right not to pay the remaining you interest on that amount. amount due on the purchase. American Express PO Box 981535 • While you do not have to pay the amount in To use this right, all of the following must be El Paso TX 79998.1535 question, you are responsible for the true: remainder of your balance. 1. The purchase must have been made in In your letter, give us the following • We can apply any unpaid amount against information: your home state or within 100 miles of your your credit limit. current mailing address, and the purchase • Account information: Your name and account number. After we finish our investigation. one of two price must have been more than $50. • Dollar amount The dollar amount of the things will happen: (Note: Neither of these are necessary if • if we made a mistake: You will not have to your purchase was based on an suspected error. • Description ofproblem: If you think there is pay the amount in question or any interest advertisement we mailed to you, or if we an error on your bill, describe what you or other fees related to that amount. own the company that sold you the goods believe is wrong and why you believe it is a • if we do not believe there was a mistake: or services.) mistake. You will have to pay the amount in 2. You must have used your credit card for question, along with applicable interest and the purchase. Purchases made with cash You must contact us: fees. We will send you a statement of the advances from an ATM or with a check that • Within 60 days after the error appeared on amount you owe and the date payment is accesses your credit card account do not your statement. due. We may then report you as delinquent qualify. • At least 3 business days before an if you do not pay the amount we think you 3. You must not yet have fully paid for the automated payment is scheduled, if you owe. purchase. want to stop payment on the amount you think is wrong. II you receive our explanation but still believe II all of the criteria above are met and you are your bill is wrong. you must write to us within still dissatisfied with the purchase. contact us You must notify us of any potential errors in 10 days telling us that you still refuse to pay. in writing at: writing. You may call us, but if you do we are II you do so, we cannot report you as American Express not required to investigate any potential delinquent without also reporting that you are PO Box 981535 errors and you may have to pay the amount questioning your bill. We must tell you the El Paso D( 79998-1535 in question. name of anyone to whom we reported you as While we investigate, the same rules apply to What Will Happen After We Receive Your delinquent, and we must let those the disputed amount as discussed above. Letter organizations know when the matter has After we finish our investigation, we will tell When we receive your letter, we must do two been settled between us. you our decision. At that point, if we think you things: II we do not follow all of the rules above, you owe an amount and you do not pay, we may 1. Within 30 days of receiving your letter, we do not have to pay the first $50 of the amount report you as delinquent. must tell you that we received your letter. you question even if your bill is correct. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. CMAEUACM0000101 Page 9 of 9 EFTA01121769 EFTA01121770