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Home My WebLink About03-1633 THIS IS AN ARBITRATION MATTER, ASSESSMENT OF DAMAGES HEARING REQUIRED. GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No,: 41360 21 SOUTH 21ST STREET PHILADELPHIA, PA 19103 215/988-9600 American Express Centurion Bank Suite 0002 Chicago, IL 17050 COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. : 03 - IL3J Ciui('7i Tod Shedlosky 6346 N Powderhorn Rd. Mechanicsburg PA 17050 NOTICE YOU HAVE BEEN SUED IN COURT, IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED, BY ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU, YOU ARE WARNED THAT IF YOU FAIL TO DO SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGEMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIA nON 32 S. BEDFORD STREET CARLISLE, P A 17013 (717) 24903166 THIS IS AN ARBITRATION MATTER. ASSESSMENT OF DAMAGES HEARING REQUIRED. GORDON & WEINBERG, P.C. BY: FREDERIC I, WEINBERG, ESQUIRE Identification No.: 41360 21 SOUTH 21ST STREET PHILADELPHIA, PA 19103 215/988-9600 American Express Centurion Bank Suite 0002 Chicago, IL 17050 COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. : 03 - Ji".3J e '" ~L 'J"i; Tod Shedlosky 6346 N Powderhorn Rd. Mechanicsburg PA 17050 COMPLAINT IN CIVIL-ACTION 1. At all times relevant hereto, the defendant(s) was the holder of a credit card, which at the request of the defendant(s) was issued to the defendant(s) by the plaintiff under the terms of which the plaintiff agreed to extend to defendant (s) the use of plaintiff's credit facilities, 2. Defendant(s) accepted and used the aforesaid credit card so issued and by so doing agreed to perform the terms and conditions prescribed by the plaintiff for the use of said credit card. 3, The defendant (s) received and accepted goods and merchand- ise and/or accepted services or cash advances through the use of the credit card issued by the Plaintiff. A true and correct copy of the Statement of Account is attached hereto as Exhibit "A". 4. All the credits to which the defendant (s) is entitled have been applied and there remains a balance due in the amount of $51,046,18. 5, Plaintiff has made demand upon the defendant(s)for payment of the balance due of $51,046,18 but the defendant(s)has failed and refused and still refuses to pay the same or any part thereof, WHEREFORE, plaintiff claims of the defendant (s) the sum of $51,046,18 plus interest, court costs, and attorney's fees all of which is justly due and owing from defendant(s) to plaintiff. GORDON & WEINBERG, P.C. BY: P01A VERIFICATION FREDERIC I. WEINBERG, ESQUIRE, hereby states that he is the attorney for the Plaintiff(s) in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief. The undersigned understands that the statements herein are made subject to the penalties of 18 Pa.C.S.A. Section 4904 relating to unsworn falsification to authorities. E){HIBIT .-;_j ," --'-'--~---"'"~"'".".""".'''''-" DUPLICATE COpy AMERICAN EXF?RESS mmJ To manage your account, Page 1 of 3 visit us online at: open .americanexpress. com or call 800-521 -6121 Continued on reverse t:=::> Payment Due Date: Please enter account June 10, 2002 number on all checks anc correspondence. Make check payable to American Express. I $ I Check here if address or L_______.___ -__I telephone number has changed. Note changes ( reverse side. SMALL BUSINESS NETWORK'. Business Management Account'" PrepaJed FOl TOO SHEDLOSKY Closing Dale Account Number May 16, 2002 3715-416506-61006 Account Summary PrevIOus Balance $ 48,867.7611 New Charges/Adjustments $ Inc. Fin""'" Charge. If any Minimum Amount Due $ Payment ActJvrty $ New Balance $ =49,898.251 5.694.00 0.0011 +1,030.4911 Credit Line Summary on May 16, 2002 Total Credit Line $ 47,600.00 Available Credit Une $ 0.00 Cash Advance Umit $ 0.00 Available Cash Limit $ 0.00 Payments Total of Payment Activity Amount $ 0.00 New Activity Transactions for TOO SHEDLOSKY Card 371S-416506-61006 Amount $ --'---~----~--_._-~---_._._- ------------ - --------,-.- ----- --'- --~-~_._._------~--_. ._- --~---------------~----- May 13, 2002 Late Payment Fee Reference: 320021330678000009 29.00 ------- --~- ~ .------ --"- ------------ ---- '------ ------------- May 16, 2002 Finance Charge ------- -------~_._. -~ ----..--- --- - -- -.----.. ---- - ---- ------------- - ------------- -- --------- May 16, 2002 Overlimit Fee Reference: 320021360750003215 Total of New Activity 972.49 29.00 1,030,49 + Please fold on the perlOfalion below, detach and retuln with your payment + Payment Coupon Account Number 3715-416506-61006 c CD o c c[ ... .. '" co ::0 C ::0 TOO SHEDLOSKY MICROEAZ COM 6346 N POWDERHORN RD MECHANICSBURG PA PA 17050 Amount enclosed Minimum Amount Due $5,694.00 1...11I11.111...,1.1.11.111..111.11.11....1.1..1,.,.1111I1111I .. It) ... .. c Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 1.11..11....11111.. ,11.1..11,"11...11....,1.11.1..1.1111.1.11 0000371541650661006 004989825000569400 14 M Payment Due Date June 10, 2002 Minimum Amount Due includes: Past due amount $4,696.00 This month's amount dUE $998.00 Please refer to page 3 for important information regarding your account To avoid additional Finance Charges on Purchases, pay the New Balance before the Payment Due Date. Document Name: untitled . ----- ----------....-_--~----_._-~- SHEDLOSKY, TOD ACCT# 1541650667 6346 ~ PGWDERHORN RD REF DATE OS/25/02 MECHANICSBURG, PA 17050 NCI-ID 02149102978 REF k~T 49,898.25 AMEX 66147(1) TC-OPTIMA BAL DUE 51,046.18 ******************************************************************************* S TAT E MEN T o F A C C 0 U N T ******************************************************************************* TRANSACTION DATE AMOUNT BALANCE ------------------------ -------- -------------- -------------- DEBIT ADJUSTMENT 06/14/02 30.00 + 49,928.25 DEBIT ADJUSTMENT 06/19/02 1,059.93 + 50,988.18 DEBIT ADJUSTMENT 06/19/02 29.00 + 51,017.18 DEBIT ADJUSTMENT 07/18/02 29.00 + 51,046.18 ******** LAST ACTIVITY ******** Date: 12/4/2002 Time: 8:41:16 AM SHERIFF'S RETURN - REGULAR CASE NO: 2003-01633 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND AMERICAN EXPRESS CENTURION BAN VS SHEDLOSKY TOD CPL. MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon SHEDLOSKY TOD the DEFENDANT , at 1538:00 HOURS, on the 14th day of April I 2003 at 6346 N POWDERHORN ROAD MECHANICSBURG, PA 17050 by handing to LISA SHEDLOSKY, WIFE a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 7.59 .00 10.00 .00 35.59 r~~ R. Thomas Kline Sworn and Subscribed to before 04/15/2003 GORDO:y~ ~ ~ De~ me this ,) 3~ day of ----er.. " R . a 0-0...3 A. D . ()P'f~th'2-,:!;j~~-. ~ American Express Centurion Bank Suite 0002 Chicago, IL 17050 Court of Common Pleas Cumberland County Docket No: 03-1633 Civil Term Vs, Tod Shedlosky 6346 N, Powderhom Road Mechanicsburg, P A 17050 ANSWER IN CIVIL-ACTION L DENIED, The account in question was under a Pennsylvania Corporation, All correspondences and suit filed should be addressed to MicroEnterprises, mc, 1004 Rana Villa Avenue, Camp Hill, P A 17011, L DENIED, Not correct defendant. See Paragraph #1 L DENIED. See Paragraph #1 L DENIED, Wherefore the complaint should be dismissed as to defendant Tod Shedlosky, See Paragraph #1 L DENIED, See Paragraph #1 Wherefore, the complaint should be dismissed as to Tod Shedlosky, 6346 N, Powderhom Road, Mechanicsburg, P A 17050, PRO SE, VERIFICATION TOD SHEDLOSKY, hereby states that he is the defendant in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief, The undersigned understands that the statements herein are made subject to the penalties of 18 Pa, C.S,A Section 4904 relating to unsworn falsification to authorities, INDIVIDUAL State ofPennsylania County of Cumnberland On this, the 1st day of May, 2003, before me Zachary 0, Bond, the undersigned officer, personally appeared Tod Shedlosky, known to me to be the person whose name is subscribed to the within instrument, and acknowledged that Tod Shedlosky executed the same for the purposes therein contained, In witness whereof, I hereunto set my hand and official seals, NoIariaI Seal lacnary O. Bond, NoIary Public HF.lmpden Twp., QmberIand Cou1ty . ._~\.:~ ElcpII88 Sept. 20, 2006 M'sni:Jlr, P8l.~~OfNalallllS COpy OF SERVICE: Mr, Frederic Weinberg Gordon & Weinberg 21 South 21 st Street Philadelphia, PA 19103 I, Tod Shedlosky have mailed today May 1,2003 via USPS First Class mail the answers to the questions on behalf of the Plaintiff's attorney, Mr, Frederic Weinberg, These address the action regarding American Express Centurion Bank vs, Tod Shedlosky. Docket No: 03-1633 Civil Term, Court of Common Pleas, Cumberland County Pennsylvania. INDIVIDUAL State of Pennsylania County of Cumnberland On this, the 1st day of May, 2003, before me Zachary 0, Bond, the undersigned officer, personally appeared Tod Shedlosky, known to me to be the person whose name is subscribed to the within instrument, and acknowledged that Tod Shedlosky executed the same for the purposes therein contained, In witness whereof, I hereunto set my hand and official seals, ~fi NoI8II8I Seal l/JINlY o. eooo. Nat8IY PIJ:jc .....llpdtnT~I~20~ ~~&pII88~ .#".UUU MernbW.Pel......~a.... (") c, C e.,,) < -uUi q) [~ -< zr en ): -<--. ~c ~... ~o ""'-c., 5> c:: ~:.rl - '" ,j -'I .,- 5:J -< Douglas W. Karper Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYL V ANlA Vs. No. 03-1663 CIVIL TERM Bobbie S. Karper Defendant IN DIVORCE ACCEPTANCE AND ACKNOWLEDMENT OF SERVICE I, Bobbie S. Karper, Defendant in the above captioned proceeding accept and acknowledge service of the Divorce Complaint under ~3301(c) of the Divorce Code filed in this action by the Plaintiff, Douglas W. Karper. I also waive any defects in any form or manner of service. Date: ~(JA;I_.2.'i( ,,{oc3 013.1LiJ';i;:' ~/L- Bobbie S. Karp r, D fe dant () ~ -os: n'., t( _;;..!f, ' ""-- :::0 --;;-,,,, c;;\J" -, it ~-- <<.-...... ~ -<: o w ::Jt' -;::lI;a -= I o 'I 1.J ,;Cif.:.: .~:rTI -~'!y . '(' ,}.,d ,-)::b' >0 ~rn -< :;; ~ (JJ Douglas W. Karper Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUN1Y PENNSYLVANIA vs. No. 03-1663 CIVIL TERM Bobbie S. Karper Defendant IN DIVORCE AFFIDAVIT OF CONSENT I. A complaint in divorce under !l3301(c) of the Divorce Code was filed on April 10, 2003. 2. The marriage of plaintiff and defendant is irretrievably broken, and ninety days have elapsed from the date of filing and service of the Complaint. 3. I consent to the entry of a final decree of divorce afte:r service of notice of intention to request entry of divorce. I verify that the statements made in this affidavit are true: and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. Signature: ~eiL~'i:o ;;Jd/l Bobbie S. Karp , Defi t- Date: 5? b..<( / D3 / I (") 0 () c W -n ~ (/) -00:' ,.." ..~] nlnt -0 2:::(1 I 1:";"1 W'-; V, ."~} ~(:~, ) (.I.) -rJ ::J ~T, /C;:L1 ;1,- ,', -- ";~'--J ZI...J i"5m )>0 't? c: .--< 7" .::;) )> ~ :0 0'> -< J Douglas W. Karper Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA vs. No. 03-1663 CIVIL TERM Bobbie S. Karper Defendant IN DIVORCE AFFIDAVIT OF CONSENT 1. A complaint in divorce under 93301(c) of the Divorce Code was filed on April 10, 2003. 2. The marriage of plaintiff and defendant is irretrievably broken, and ninety days have elapsed from the date of filing and service of the Complaint. 3. I consent to the entry of a final decree of divorce after service of notice of intention to request entry of divorce. I veritY that the statements made in this affidavit are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. , ) _ Date: o/a/rV d ~ . Karper, Plaintiff ('") 0 0 C '-..0 -n :;;: if) '~:;J -rJGI ,..., ,. mr.. " z:c, I ;''''r; :z r- -';0 (f)) w , ~(, '-:; () ~.'O ., "T" -" ':j:!.1 18 ......... ":~C) W ;,-~-m U C >! z ::> ::<! ~ ::5l Q) Douglas W. Karper Plaintiff IN THE COURT OF COl'<IMON PLEAS OF CUMBERLAND COUN1Y PENNSYLVANIA vs. No. 03-1663 CiVIL TERM Bobbie S. Karper Defendant IN DIVORCE WAIVER OF NOTICE OF INTENTION TO REOUEST ENTRY OF A DIVORCE DECREE UNDER &3301(c) OF THE DIVORCE CODE I. I consent to the entry of a final decree of divorce without notice. 2. I understand that I may lose rights concerning alimony, division of property, lawyer's fees or expenses if I do not claim them before a divorce is granted. 3. I understand that I will not be divorced until a divorce decree is entered by the Court and that a copy of the decree will be sent to me immediately after it is filed with the Prothonotary . I verify that statements made in this affidavit are tme and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. ~4904 relating to unsworn falsification to authorities. Date: ~~(I'~ ~ IL----- Q ~ :t1t{; Qjn ~:~ ~r' cl")d~ is ,,' ....-~,./ ,B' J' >, i2>C.', -">-c -. :3 , o w V? r:; , c.~, .''t! -,- ~ :::> 0.., () -,) :;:f ZP=I 'I i(J ,:.:{~{~j ,-' ~<{ =u "" o Douglas W. Karper Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA vs. No. 03-1663 CiVIL TERM Bobbie S. Karper Defendant IN DIVORCE WAIVER OF NOTICE OF INTENTION TO REOUEST ENTRY OF A DIVORCE DECREE UNDER &330I(c) OF THE DIVORCE CODE 1. I consent to the entry of a final decree of divorce without notice. 2. I understand that I may lose rights concerning alimony, division of property, lawyer's fees or expenses if I do not claim them before a divorce is granted. 3. I understand that I will not be divorced until a divorce decree is entered by the Court and that a copy of the decree will be sent to me immediately after it is filed with the Prothonotary . I verify that statements made in this affidavit are tme and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. 94904 relating to unsworn falsification to authorities. Date:#s Sigmmro ~'fir~ Bobble S. Karper, efend ~ 0 0 W -n s: ::n -orC! ,." -," n"i'rT: -0 (.:.:- 2:1' I 0'0:.:.: zr ;~( UJ"._ W ~(, .\"..,J --0 ......."11 ',','1 -".,0"." ::r. ) ~._. Z(~.~ ~.c.., ~.. ~ (;~f<-l C. "'::- ":J )"., -;l ~ -, (1' '-< o Douglas W. Karper Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA Vs. No. 03-1663 CIVIL TERM Bobbie S. Karper Defendant IN DIVORCE PRAECIPE TO TRANSMIT RECORD To The Prothonotary: Transmit the record, together with the following information, to the Court for entry of a divorce decree: 1. Ground for divorce: Irretrievable breakdown under Section 3301(c) of the Divorce Code. 2. Date and Manner of service of the Complaint: Defendant signed AcceDtance and Acknowledgement of Service form on ADri125. 2003. 3. Complete either paragraph (a) or (b). (a) Date of execution of the Affidavit of Consent requirl~d by Section 3301(c) of the Divorce Code: by Plaintiff, August 28. 2003; by Defendant, August 28. 2003. (b)(l) Date of execution of the Plaintiffs Affidavit required by Section 3301(d) of the Divorce Code: N/ A (2) Date of filing and service of Plaintiffs Affidavit upon Defendant: N/A 4. Related claims pending: There are no outstanding claims. 5. Complete either paragraph (a) or (b). (a) Date and manner of service of the notice of intention to file Praecipe to Transmit Record, a copy of which is attached: N/A. (b) Date Plaintiff's Waiver of Notice in Section 3301(c) Divorce was filed with the Prothonotary: September 3. 2003. (c) Date Defendant's Waiver of Notice in Section 3301(,~) Divorce was filed with the Prothonotary: September 3. 2003. Plaintiff's Social Security Number: 182-52-5425 Defendant's Social Security Number: 180-52-2533 WSL 0)a1 Carey and Grace D' Alo At eys for Plaintiff MidPenn Legal Services 8 Irvine Row Carlisle, PA 17013 (717) 243-9400 o c <- -oi)') nlfT 2'::1:' ZC- (/) ..!: -<I": kC ~, Zl_ 5>(0" c :z :~ <:::) W (I') '71 '-'0 I C.) o .1 "':".q :~}~S ::'j;i] "7'1.-:> ~~~ rn ?o -< -u :r ~ <:- (J] c) , , , . . , . . , . . , . . . . . , . . , . , . . . . . , . . . . , . . . . . . . , . . , . . . . . . . . . , . . . . . . . . . . . . . . . . . . ;t;+:+; :+; . , .. .. . . , ;Ii;+; :t::f. .. ;ti;t;:+;;+:;+; ;+; :+;;+;;Ii:f.:f'f.:t:"'", . . . . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY STATE OF PENNA. DOUGLAS WARD KARPER No. 03-1663 CIVIL PLAINTIFF VERSUS BOBBIE SUE KARPER DEFENDANT DECREE IN DIVORCE AND NOW, ~-.~f .:k I: Jr /- ,Nt · ,....3, IT IS ORDERED AND DECREED THAT DOUGLAS WARD KARPER , PLAINTIFF, AND BOBBIE SUE KARPER , DEFENDANT, ARE DIVORCED FROM THE BONDS OF MATRIMONY. THE COURT RETAINS JURISDICTION OF THE FOL.LOWING CLAIMS WHICH HAVE BEEN RAISED OF RECORD IN THiS ACTION FOR WHiCH A FINAL ORDER HAS NOT YET BEEN ENTERED; ALL CLAIMS HAVE BEEN RESOLVED, PROTHONOTARY By . . . 'f.:f.:f.:f.'+' '1''1' '+' 'to . . . '" Of;+; '+' '+ :f'l';+::f.:f.:f.'+''+' . . . . . . . . . . . . . . . . . . . . . . . . . . , . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . + . . . + . . + . . . . . . . + . . . . . :+ 'I' '" Of. '+' +'+ J. GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE & PAUL M. SCHOFIELD, JR., ESQUIRE Identification No, 41360 & 81894 Attorney for Plaintiff(s} 21 South 21M Street Philadelphia, PA 19103 (215) 988-9600 American Express Centurion Bank COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. Tod Shedlosky NO. 03-1633 CIVIL AFFIDAVIT OF SERVICE. The undersigned does hereby depose and say that he served a copy of the Praecipe For Listing Case For Trial in the above-captioned matter upon defendant Too Shedlosky, by certified mail, return receipt requested and regular mail, on November 16, 2004 as evidenced by the copy of the return receipt card and transmittal letter attached hereto as Exhibit "A". GORDON & WEINBERG, P.C. BY: Dorothy Donnel PARALEGAL TO PAUL M, SCHOFIELD" JR., ESQUIRE Attorney for Plaintiff Dated:Nov~ber16,2004 Sworn to and Subscribed ,,"yH Before me this ~Day of ~ 2004 N ALTH OF PENNSYLVANIA NOTARIAL SEAL JOHN V McBRIDE, Ill, Notary Public City of PhUadefphia, PhUa. County M CommIIQ\on Expires A ust 4, 2008 EXIllBIT "A" MARC R. GORDON FREDERIC I. WEINBERG' DEAN I. ORLOFF' PAUL M. SCHOFIELD, Jr.' ~AttorneYs G 0 r don ft VI e I n b erg, P. C. a t Law SAMUEL F. PEPPER (1905-1992) 'Also member NJ Bar PAUL BREEN (1931-1995) 21 SOUTH 21ST STREET PHILADELPHIA, PA 19103 PHONE: (215) 988-9600 FACSIMILE: (215) 988-9601 November 16, 2004 VIA CERTIFIED MAIL RRR 7001 2510 0004 5339 4781 AND REGULAR MAIL Tod Shed10sky 6346 N, Powerhorn Road Mechanicsburg, PA 17050 Re: American Express Centurion Bank vs. Tod Shedlosky CCP Cumberland County No. 03-1633 Civil Our file number: 2006165 Dear Mr. Shedlosky: Enclosed please find a copy of the Praecipe for Listing Case for Trial in the above matter we intend to file with the Prothonotary. Very truly yours, ./7 GORDON & WEINBER~, P.C. .J /1 / . / / /\ / c .~. \ Ir.L~~~R/~E, III, 'PARALEGAL 1. SCH FIELD, JR. TO U.S. Postal Service CERTIFIED MAIL RECEIPT (Domestic Mati Only; No Insurance Coverage Provided) H ~[ 0- m m LO I Certified Fee jl ::r Return Receipt Fl?e Cl (Endorsement ReqUired! Cl Restricted Delivery Fee I I Cl (Endorsement Requrreul _-I ~ Total Postage & Fees r ~J LO ru Postage t PC-JSlmclIK Hf:\f Sent To -.......~,._- H -Street:Apt:fJo: Cl or PO Box No. ~ -c,ty,-State.-ii;;;;4H 1200 LAUREL OAK ROAD SUITE 104 VOORHEES, HJ 08043 PS Form 3800 January 2001 See Reverse for Instructions $ Ul Ul i ~ ~~~~ DODO c- ~ E ~ ~Q) E .0 ,g ~ i~ !l: ~ ~ ~ ~li "" i li; ~ ~ ~ ~ ~ui l: Cll W en ,,>- U5 .!!!~ o >< ci Q) f! iV\ Ul ! :s<( Ll. ~~ ~ 6 ~! ~ ~ \) ~ -Lcl:. ~Z Cll Ul '5 l: l\l .c e Cll ::E ... $2 a "(ij "<5 ::E al Ul a: Q)" fgEotf a..aej ~ & o~ 000 !:H. c- ~ Cll :a "OJ"~ 8. ::E ~::E ~ ~~]1~ i ~~ g> iil :2 ~ a;.E~ ~ 00 a: ..; -.i ~ .0 lA t> c:=:.f' -'- ...J -.r "'^ ~ .s- '- ::. <;> ..{'I V - L ct -r .cJ QJ ~ '" ~ o "" '" '" o ~ 8 .;, '" '" "" ~ r"l co I'- ;:t- Er 1TI 1TI U) ;:t- o o o a "0; <.l CIl a; E ::> a; a; <.l ~ CIl E o o o .-"I U) n.J ..., o o I'- ~ 2l "~ 3l E .g ~ ~ 1i E :l Z CIl 13 '2 <( N m m m ~ >- "'5 ""') ,.... ,.... co C') E o u.. en a.. ( I -- I:+.;~ \ o (~ '. ( ) ~- .. l.. . ,~ ~j ..... ...., => = ~ d rll '-J , -J o -n -t -r-fl- ::!J I r- -.-,m -her. o( ) .J .-T. ():I) '..C> ,:)cn ~~-{ ~~:-J ~< ;:t:'''' ::r. U1 U) PRAECIPE FOR LISTING CASE ~)R TRIAL (Must be typewritten and subnitted in duplicate) 'TO THE PROTHOl'OI'ARY OF CUMBERLAND COUNTY Please list the following case: (Check one) for JURY trial at the next term of civil court. (XX) for trial without a jury. CAPTION OF CASE (entire caption must be stated in full) (check one) American Express Centurion Bank Suite 0002 Chicago, IL ( lX) Civil Action - Law Appeal from Arbitration (other) (Plaintiff) vs. Tod Shedlosky 6346 N. Powerhorn Road Mechanicsburg, PA 17050 The trial list will be called on and Trials corrmence on ( Defendant) Pretrials will be held on (Briefs are due 5 days before pretrials.) vs. (The party listing this case for trial shall provide fortrn~ith a copy of the praecipe to all counsel, pursuant to local Rule 214.1.) No. Civil 03-1633 Xl! Indicate the attorney who will try case for the party who files this praecipe: Paul M, Schofield, Jr. 21 S. 21st St., Phila., PA 19103 215-988-9600 Indicate trial counsel for other parties if known: Tod Shedlosky - Pro Se 6346 N. Powerhorn Road, Mechanicsburg, PA 17050 717-697-8505 Date: 11/16/04 ,~ This case is ready for trial. Attorney for: Q ~c;; ~ , ,~ ~~; ::-~ cJl -< 1..0 r-...) c= = .c- o P"l C) I -.l o ..n .-1 rTi ;D h1 r.::-) 1 t. } -~r' ~ ;J h rn ~~ -" AMERICAN EXPRESS CENTURION BANK, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA vs. CIVIL ACTION - LA W 03-1633 CIVIL TOD SHEDLOSKY, Defendant IN RE: NONJURY TRIAl", ORDER AND NOW, this q- day of December, 2004, a pretrial conference in the above captioned case is set for Friday, January 28,2005, at 11 :30 a.m. in the Chambers of the undersigned. BY THE COURT, ~ul M. Schofield, Jr., Esquire 21 S. 21st Street Philadelphia, PA 19103 F or the Plaintiff ) vJ'od Shedlosky, Pro Se 6346 N. Powderhom Road Mechanicsburg, P A 17050 Defendant Court Administrator I A-tO --0 <-/ :rlm 1--" \-~' ,. {~'./- 1 ~ \ ~ .. ""..'..' ~ BS : \ t:d S- ~(Kl ~GJZ ;."t.:.f1'~~:><:;;~,T~J 3';-'.1 ~U ;~:2': ~~=~".)---O:C~~~1 f:,I'lLES\DA T AFIU},(;cneraFCurteIll6<:J4Idlo,Emry of App.earancc'ccr Created: 2'24i04 ilAIAM Revise<:l, 1.'\9'"05 Oc3OPM AMERICAN EXPRESS CENTURION BANK, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW v, NO.03-1633 TOD SHEDLOSKY, Defendant PRAECIPE To: The Prothonotary of Cumberland County, Pennsylvania Please enter the appearance of Martson Deardorff Williams & Otto, and the undersigned attorneys, as counsel to the DEFENDANT in the above matt<~r. Respectfully submitted, MARTSON DEARDORFF W]LLIAMS & OTTO Ci)llQ Date: January 19, 2005 By Carl C. Risl:h, Esquire LD. No, 75901 Cbristopher E, Rice, Esquire LD, No, 909]6 Ten East High Street Carlisle, PA 17013 (717) 243- 3341 Attorneysfor Defendant CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing was served this date by depositing same in the Post Office at Carlisle, P A, first class mail, postage prepaid, addressed as follows: Paul M. Schofield, Jr., Esquire 21 S. 21" Street Philadelphia, PA 19103 MARTSON DEARDORFF WILLIAMS & OTTO ByJJ)2OD Carl C. Risch Dated: January 19, 2005 '- :.--:1 \..!.;) r.~? r". F:"F1LES'DAT AFlLLGcneral'Cun'cnl"6\l46,60,M.olion for JUd!;111ffil on lh~ ]'!cadilll,;,,'ce1 Created: 2.24.:04 \l:4!AM Revised: L'I'JiGS O,27P~1 AMERICAN EXPRESS CENTURION BANK, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW v. NO.03-1633 TOD SHEDLOSKY, Defendant MOTION FOR JUDGMENT ON THE PLEADINGS AND NOW comes the Defendant by and through his counsel, Martson Deardorff Williams & Otto, and moves this Court as follows: I. On Ap riJ 9, 2003, Plaintiff filed a Complaint against Defendant claiming that Defendant is liable for credit card debt incurred under a Statement of Account attached to the Complaint as Exhibit "A." 2. Defendant filed an Answer denying that he is individually liable for the debt and alleging that a corporation, MICROENTERPRISESAZ, INC., is actually the liable party. The name of this corporation appears in the Statement of Account attached by Plaintiff. 3. Plaintiff has not joined the corporation as an additional defendant. 4. Plaintiff's failure to join the corporation constitutes a failure to join an indispensable party under Pa.R.C.P. 1032 and Pa.R.C.P. 2227. The corporation has an interest in the litigation, and a failure to join the corporation would impair its ability to protect its interest. Respectfully submitted, MARTS ON DEARDORFF WILLIAMS & OTTO By cQXJO Carl C. Risch, Esquire LD. No. 75901 Christoph,~r E. Rice, Esquire LD. No. 90916 Ten East High Street Carlisle, PA 17013 (7\7) 243-334\ Attorneysfor Defendant Date: January J 9,2005 CERTIFICATE OF SERV1CE I hereby certifY that a copy ofthe foregoing was served this date by depositing same in the Post Office at Carlisle, P A, first class mail, postage prepaid, addressed as fol1ows: Paul M. Schofield, Jr., Esquire 21 S. 21" Street Philadelphia, P A 19103 MARTSON DEARDORFF WILLlAMS & OTTO BylruJrlD Carl C. Risch Dated: January 19,2005 ~..'" ,':) .:., ~.~:'~ -",--, '- ,--:~j '..:::: ~;) ;") c:; GORDON & WEINBERG, P.C. BY: FREDERIC 1. WEINBERG, ESQUIRE Identification No.: 41360 PAUL M. SCHOFIELD, JR., ESQUIRE Identification No.: 81894 21 SOUTH 21ST STREET PHILADELPHIA, PA 19103 2151988-9600 AMERICAN EXPRESS CENTURION BANK COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. : 03-1633 TOD SHEDLOSKY PLAINTIFF'S RESPONSE AND ANSWER IN OPPOSITION TO DEFENDANT'S MOTION FOR JUDGMENT ON THI: PLEADINGS Plaintiff, by and through their attorney, Paul M. Schofield, Jr., Esquire, files this response opposing Defendant's Motion for Judgment on the Pleadings alleging that Plaintiff failed to join an indispensable party. In support thereof Plaintiff offers the following: 1. Admitted. 2. Admitted in part denied in part. It is admitted that the Defendant denied liability in his answer pro se. Defendant's answer is unclear as to whether he claims Microenterprisesaz, Inc. is solely liable to Plaintiff as Defendant now avers in his Motion. The Defendant's answer is a writing which speaks for itself. However, Defendant changed stories as he initially claimed that a Pennsylv.mia corporation, MicroEnterprises, Inc. was liable for the purchases on the card. It is denied that the statement of account is listed in the name of a corporation. In fact, only the address line of the payment coupon indicates "Microeaz com". Strict proof of Defendant' s averment in paragraph 2 is demanded at the time ofthe hearing. 3. Admitted. 4. Denied. Plaintiff need not join any other party as a o,efendant. The Defendant Tod Shedlosky very clearly agreed to be bound by the ternlS ofthe agreement and one of those terms was that the card holder was liable for all charges, fees and outstanding balances incidental to the use of the card. By way of further answer, the corporation is not an indispensable party whose rights are so connected with the claims of the litigants that no relief can be granted without infringing or impairing those rights. NEW MATTER 1. Attached and made part hereof and labeled Exhibit "A" to Plaintiffs Response to Defendant's Motion for Judgment on the Pleadings is the applicable card member agreement governing the contractual relationship between Plaintiff and Defendant. 2. Exhibit A clearly indicates that Defendant agreed to be individually bound by the terms of the Card Holder Agreement attached as Exhibit A. Therefore, Defendant is severally and individually liable and not merely jointly liable for the purchases, fees and charges associated with the use ofthe credit card. 3. Attached and made part hereof and labeled Exhibit "Il" to Plaintiffs Response to Defendant's Motion for Judgment on the Pleadings is the applicable card member statements from May of2001 through April of2002. 4. Exhibit B clearly indicates that Defendant Tod Shedlosky is the card member liable for the charges, fees and purchases associated with the use ofthe credit card. 5. Nowhere on Exhibit A or Exhibit B is the name ofMicroenterprisesaz, Inc. listed on the documents. On the contrary, the name of "Microeaz com" appears on the address line of the payment coupon. 6. Upon information and belief, Plaintiff avers that there is no such entity know to the secretary of state for the Commonwealth ofPennsylv,mia named "MICROENTERPRlSESAZ, INC". Plaintiff demands strict proof of Defendant' s averment in paragraph 2 of its Motion for Judgment on the Pleadings of the existence of "MICROENTERPRlSESAZ,INC". 7. Attached and made part hereof and labeled Exhibit "c" to Plaintiffs Response to Defendant's Motion for Judgment on the Pleadings is a report from Arizona Corporations Commission showing a corporation with the name of "MICROENTERPRlSESAZ,INC." as being dissolved since September of2003. 8. Nothing on the record or pleading indicates that this Court has jurisdiction over a dissolved entity with no connection to Pennsylvania. 9. An exception to the rule of mandatory joinder has been long recognized where the Court has no jurisdiction over the non-resident absent joint party. Date:/ v ~ --...., I {__'-... bj) Gordon and Weinberg, P.e. .---) /._,~~.~ ay: . ,?Z ~~ --/ "",'fiaul M. Schofield, Jr., Esquire ( GORDON & WEINBERG, P.C. BY: FREDERIC 1. WEINBERG, ESQUIRE Identification No.: 41360 PAUL M. SCHOFIELD, JR., ESQUIRE Identification No.: 81894 21 SOUTH 21ST STREET PHILADELPHIA, PA 19103 215/988-9600 AMERICAN EXPRESS CENTURION BANK COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. : 03-1633 TOD SHEDLOSKY MEMORANDUM OF LAW IN OPPOSITION TO DEFENDANTS' MOTION FOR JUDGMENT ON THE PLEADINGS Plaintiff, by and through their attorney, Paul M. Schofield, Jr., Esquire, files this response opposing Defendant's Motion for Judgment on the Pleadings alleging that Plaintiff failed to join an indispensable party. In support thereof Plaintiff offers th,~ following: FACTS Defendant, T od Shedlosky, was the holder of an American Express Corporate charge card issued in his name. Defendant refused to repay the balance due on the card and Plaintiff filed suit for breach of contract. Defendant filed an answer pro se denying liability and claimed a Pennsylvania Corporation was somehow liable for the charges. Defendant did not bother to explain how this Pennsylvania Corporation, believed to be Microenterprises, Inc., was liable for the charges. Being unable to resolve the matter, Plaintiff moved to put the matter on the trial list. Thereafter, Defendant obtained counsel and Mr. Carl Risch entered his appearance for the Defendant. Inexplicably, Defendant immediately changed his story and now claims that a completely different entity, a dissolved Arizona corporation, MicroenterprisesAZ, Inc., is liable for the charges. Plaintiff then filed this Motion requesting the Court dismiss Plaintiffs Complaint for failing to name this new entity as a co defendant. Plaintiff files this instant response to Defendants Motion for Judgment on the Pleadings. LEGAL ARGUMENT Issue: Should this Court dismiss the action against the Defendant because Plaintiff did not name as an additional Defendant a defunct Arizona corporation in an action to enforce a credit card agreement against the holder of the card where the cardholder agreement clearly states that both the Company and holder would be individually liable? Suggested Response: No, MicroenterprisesAZ, Inc. is not an indispensable party with rights so connected with the claims of the Plaintiff and Defendant that no decree can be made without impairing or infringing upon those rights. The language of the agreement rebuts any presumption that the obligation was a joint obligation requiring joinder of any other party. LEGAL ANALYSIS Generally, all indispensable parties to a dispute must be joined when a matter is litigated. The rules of Civil Procedure require parties who have ajoint interest in the outcome or subject matter oflitigation to be joined on the same side. Pa.R.C.P. SS 2227, 1032. Ifthe Plaintifffails to include an indispensable party, the Court has the power to dismiss the matter. Sprague v. Casey, 520 Pa. 38, 550 A.2D 184 (1988). However, the missing party must be indispensable or subject to a theory of joint liability. Pa.R.C.P. SS 2227, 1032. Additionally, Pennsylvania Courts require the objecting party to indicate how the unnamed party is indispensable. Burkett v. Smvder, 369 Pa. Super. 519, 532 A.2d 671 (1988). Finally, there are several exceptions to the rule requiring dismissal for non joinder. Mintz v. Tri-County Natural Gad Co., 259 Pa. 477, 103 A.2 285 (1918) et.a!. The first exception to dismissing a pleading for failure to join an indispensable party is when the Court has no jurisdiction over the unnamed 3nl party. Mintz, at 477,285. Taking Defendant's unverified averment that Microenterprisesaz, Inc., is an indispensable party as true, this Court would not still not have in personam jurisdiction over the company as Microenterprisesaz, Inc. appears to be a defunct Arizona corporation. The Peunsylvania long arm statute authorizes and grants jurisdiction to persons normally outside the jurisdiction of Commonwealth as long as the "minimum contacts" and traditional notions of fairness and substantial justice standards are not infringed. International Shoe v. Washing.ton, 326 U.S. 310 (1945); Neffv. Tribune Printing Co., 218 A.2d 756, (Pa. 1966). Without more information appearing on the face of the record, this Honorable Court must deny Defendant's Motion as this Court does not have jurisdiction over a foreign corporation, Microenterprisesaz, Inc. The Defendant also has the burden to demonstrate how the unnamed party is indispensable. Defendant has bothered to do so. Nor does the record independently reflect that an indispensable even exists. Defendant indicates in his Motion that the Statement of Account is in the name ofMicroenterpriseaz, Inc. A review of Plaintiff's exhibit to the Complaint shows the name "Microeaz com" on the address line on the payment coupon. The connection is not clear and certainly is not the independent reflection of an indispensable party the Court requires. Huston v. Camoanini, 464 Pa.147, 346 A.2d 258 (1975). See exhibit C. A Plaintiff need not join all possible Defendants, onlly indispensable Defendants. Pennsylvania Courts define an indispensable party as a party who's rights are so connected to the subject matter of the litigation as to require joining that party to protect its rights before issuing any decree or judgment. Columbia Gas v. Diamond Fuel Oil Co., 464 Pa. 377, 346 A.2d 788 (1975). Defendant does not bother to articulate how the rights of a defunct Arizona company are unduly prejudiced by an action on a contract against the holder of a credit card. There are no indispensable parties to this matter, because there is no joint obligation. Finally and foremost, while there is a presumption in Pennsylvania jurisprudence that all obligations are joint absent an agreement stating otherwise, the agreement attached as Exhibit A absolutely rebuts this presumption and defeats mandatory joinder. Yaduskv v. Shigars, 301 Pa. 99,151 A. 785 (1930). The language of the agreement (Exhibit A) clearly explains that the Defendant agreed to be individually liable for the charges, fees and other expenses associated with the use of the card. The language creates an individual, and not merely a joint, obligation. The terms of the agreement in paragraph 6 state that "[t]he Company and any Corporate Card members using the Card account agree both jointly and individually to be bound by the terms of this agreement." See Paragraph 6 Exhibit A . The inclusion of "individually" clearly manifests an intent to bind the parties not just jointly but also severally and individually, thereby rebutting the presumption of a joint obligation requiring dismissal of Plaintiffs Complaint for failure to join whichever 3rd party Defendant now claims as liable. Since the agreement contemplates individual liability, the Defendant's Motion for Judgment on the Pleadings should be denied. CONCLUSION Again, the Agreement between the Plaintiff and the Defendant clearly explains that the Defendant Tod Shedlosky, would be individually liable for all charges and fees associated with the card. There are no other indispensable parties that have been left out of the litigation. Microenterprisesaz, Inc., will not suffer any undue prejudice from this Honorable Court adjudicating this instant matter before it nor are any of its rights so connected to the subject matter of this litigation that joinder is required. For all of the above reasons, Defendant's Motion should be denied. Date: ( ~ ;:: /; - ) I I Respectfully Submitted, Gordon and Weinberg, P.C. By. ~~ ----- ~~./ E M. c o~d, Jr., Esquire GORDON & WEINBERG, P.C. BY: FREDERlC I. WEINBERG, ESQUIRE Identification No.: 41360 PAUL M. SCHOFIELD, JR., ESQUIRE Identification No.: 81894 21 SOUTH 21ST STREET PHILADELPHIA, PA 19103 215/988-9600 AMERlCAN EXPRESS CENTURION BANK COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. : 03-1633 TOD SHEDLOSKY ORDER AND NOW, this Day of , 2005, upon consideration of Defendant's Motion for Judgment on the Pleadings and Plaintiff's response thereto, it is hereby ORDERED and DECREED that said Motion is denied. The instant matter shall proceed to the earliest possible trial listing. J. GORDON & WEINBERG, P.C. BY: FREDERIC 1. WEINBERG, ESQUIRE Identification No.: 41360 PAUL M. SCHOFIELD, JR., ESQUIRE Identification No.: 81894 21 SOUTH 21ST STREET PHILADELPHIA, PA 19103 215/988-9600 AMERICAN EXPRESS CENTURION BANK COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. : 03-1633 TOD SHEDLOSKY CERTIFICATE OF SERVICE I certify that I have served the attached pleading on all defendants pro se and counsel of record. 1/;; L'- r Gordon and Weinberg, P.C. Date: By: I //Z----- " Y'/ , Paul M. Schofield, Jr., Esquire " ~,'- ". :' ::.~. . ;";~-~-~~". Agr~ement Among Company and Small Business Corporate Platinum Card Member and American Express Centurion Bank , , I j , American Express Card M"'rnb~rship This .-\greement gov~ the use of ~"Our American E..'tpres~ Corpor;Jte Cald .-\cmuot ('''Account'' (lr -Card Account;. including any feat\l.n! that may be offered. in connection with the ACCOunL Please read this ~ment thoroughly. b~use when you keep. ~ign oruse the Ameri"", Exp- Cotpo..te Card ("Can!" .,"Co,!",_ Card") (including any renewal or replacement Cards). and/or any featllJ'e of the AccounL you agree to the terms of this Ap-emenL As YOU read this Agreement. remember that the words '.:1)\1" :md "your" mean "the perwn named on the enc10Rd Card. ut. wh~ applicable. the Company. The term "CompanY"111eaJ1lI the company. corporation or firm in who.e name the Account ill establiahed. By authorizing the establiabment of the Account in the name aCme Company. the Company a~ to be bound by the temu and conditions of this ~ent. The words .'we." "our" ilnd"us" ~ferto American Expreu Centurioli Bank. You have received this Card at the request of the Company for use in connec- tion with the Cant Account. You will be ('..aUed a Corp01'1lte Card member. You will be liable forcha.rges made in conjunction with the Card iSllued to you. lfyou are the officerwno authorized us to isaue one or more Corporate Cards by sign- ing the Company'! application for the Card Account (the ':.\uthorizing Officer- or "Buic Card member", you agree to be bound by the term! of this Agreement as they apply to the Company. When we uae the term. '"Card" or ""Corporate Card" we are referring to the American Express Corporate Platinum Card issued to you and ail other Corporate Cards issued on the Account. Corporate C<Uds are issued at the request of the Company and may be canceled at the request of the Company or if the Company is unable or unwilling to meet all obligations relating to the Account or any other Account vou mav have with U$ or anv of our affiliates. The Camp~y and any CorPorate 6utt members using'the Card Account agree both joindy and individually to be bound by the terms of this Agreement. Usi~ The Card We welcome you to use the Card to purchase goocb and services from establish. ment! accepting the Card. The Company and the Buic Wrd member are liable to U8 for all amount! charged to the Card Account. including. without limitation. purehases. amount! guanmteed by use of the Card. and all fees. If you are a Corporate Card member. you are responsible for paying all amount! ('l1arged to your Card. even tholJlh we may send bills to the Company and not to you. You ..,. r'SpOosible forpaying for any purchase where you showed an intentto incur a charge. evt!II if you have not signed a charge form or presented the Card. You may not permit any other person to use the Card issued. to you. However. you are responsible for payment of all ch~ made with Cards wued to you. even if you have let someone else use the Card. You agree to notify us at once if the Card is 108t or stolen or you suspect your Account is being used without your penniasion. You agree to use the Card only for legitimate purchases of goods and gervices and not for the purpose of obtaining cash from an establishment. We will not be responsible if any establishment refuses to honor the Card or for any other prob. lem vou may have with such ~tablisbment. You may rerum a purchlllle to an establishm~nt accepting the Card for r:redit to your Account if that establishment permits such retuma. but not for a cash refund.. Remember that outside the Uoited States.. retumI are usually more restricted.. Your American Express Corporate Card has no pre-!et spending limit. Each charge is evaluated. in light of your past spending and payment patterns on ail YOur accounts with us and our affiliates and other factors. We reserve the right to deny any request for authorization for 3. charge for any reason. We may also request additional infonnation from you at any time. U you provide ilutho.uation to a merchant to bill Charges on a rel".'l1I'ring basis to your Gird Account I"R~ngCharge(s)'1, and if a replacement Card has been tssued. to you (because. for I"xample. your Card has been lost. ~[QII!!n. can- celed. upgr:l.Iied.. ur renewed), then we may provide :>uch merchant with your current Cani Account ~latus. acr:owu nwnber. and/or ~xpirution date in order to permit the merchant 10 '~ontinu!:! TO bill the Recurring Charge to yuur ,:unent l:.ud Account until you notify UJ and the merchant that you have withdrawn)'Ol ;lUthorization. lbe Corporate Platinum Card will be auesaed an annual fee of 1300.00: eaCh. .\dd.itional Corporate Platinum Card will be auessed an annual fee of515O.00. "[be annual fee is increued by $5.00 for Account! with billing add.M.es outaide lneU.s. .!I~l:'<'i"" ~1..iil.,;:;;;;;::w.T;":iI_'I...:.:I",ii"i":'"i'Ij...II<"~' ..I..~:"t 'Ibe Card. will be valid within the time period emboued on the Card. We will i.5lue vou renewal or replacement Cards before the mlm!'nt Card ~ire and we ""ill ~ue to do 50 until vour Account is c:mcelled. We will bill renewal fees for the Account and each Additional Card annually 3t the ratl!!! then in effect. 'Wi!! may revoke ynur right to use the Wud. at any time. We can do thiJ whether or not you have breached the Agreement and without giving you notice. If we l-evo~ the Card and you have not breached the Agreement. we will refund a ear lion of your annual c:..ro. fee upon request. We may adviSe establishment! ac&pt ing the Card that the Card issued to you hu been cancelled. If we cancel the Card. or it e:tpires. you may no longer use it and you must return it to 111 or. if we request to an establisbment that accepts the Card. Payments 1;fe will send to the Basic Card member at the Company a bill for each billing l)eriod during which the~ is activity or a balance on the Account. We may send bills to such other-penon designated by the Basic Card member or Company to l~eive billa. Payment II due in full upon receipt of the statement. You should 110tify WI immediately of any chan;e in vour billing address. Y~u must pay us in U.s. ~ncy. with a check or a draft drawn on a ~.s. bani and payable in U.s. dollan. orwith a negotiable instrument payable in ~.s. 001- Ian and clearable through the U.s. banking system. orwith an electromc pay- lDent device clearable through the U.S. banking !ystem..Ifwe decide to accept payment made in some other form, your payment will not be credited until it iJ eonverted into one of the forms de!lcribed in the previous sentence. We may eharge you any colts we incur in converting your payment. You may not pay UI with a cbeck.drawo. on a line of creditthatwe have issued to you unleu we have iLUthorized you to do so. We may accept late payments, partial payments. or any payments ~ 81 being payment in full or as being settlement of any dispute. without losmg any oi our right! under this Agreement or under the llIw.If we accept such payments. that does not mean we agree to change thU Agreement. in any way. Delinquency Fee Your Account will be contidered delinquent if you fail to pay us the amount due by the Payment Due Date shown OD each billing S12tetDent.If an amount due totaling more than $SO on any billing statement remaina unpaid on the.3Otb. da} &fterthe Cloling Date of the next billing statement. we may auesI a fee of the greater of $30.00 or ~9% of the delinquent amount {Iowa $15; PuertO Rico $0). For each Oosing Date thereafterthatan amount due totaling more than 550 remaim delinquent we may a1Jo a.uesI a fee of the greater of $30 or 2.9% of the delinqul!!nt amount (Iowa 515; Puerto Rico $m. 'Other Fees ~~ may chaq;e the following fees. ~ubject to applicable law. c_ A fee 01 up to .:S25 will be charged for 3.oy payment to your Account that is not honored for its full amount. If vou use the Card to cash a check ...t an American Expreu Travel Service Offic~ or other authOrUed IOC3.rion and the check is not honored. for its full ~moWlt. we mllV (:ha~ to your Account the portion 01 the check troll wu not honored. ant.! a~ additional amount not [0 ~xce~ $25. .-.,'. ~.. "':'~-:....'.~~:~.';o~' . ---j CQpieaof S~ If you ~e't a L'Opy of your billin; statement. we may c~ your Account a fee of up to S3 for e:ach bil1ing ~t.a~ent you request. \'t't- will noC {:harge y~ Account for billing rultemen~ for the t.hree months prior to the month of your reque'iit. - _.: . We may cQMider your Account to be in default at any time if you fail to pay us aDy amOLlJ)1 due when it is due. llr if you u~::ach any other promise or ub~tion underUtis.~~~ment. Subject to ;l.pplicable law. w~ also may cOl1llideryour Account to be in Iletault at any time if any statement made by you to IU in connection wirb. this or any other Account yuu have wirb. U$ or our affiliates was false or misleadi~. if you b~ach any promise or obligation under ;l.ny other agreement that you may have with us or with any of our affiliates. or if we receive information that you are bankrupt. intend to Jile hankroptcy. ilte unable CO pay your debts ;Ui dIer becxlme due. or are otherwise not ~twotthy. We may also consider your Account in default in dIe ~[of yQlUdesch. We may. subject to applicable law. declare the entire amount of your obliga- tion. 10 ua immediately due and payable and suspend or cancel your Act:ount. In the event of your default. and subject to any limitations or requirement! of applicable law. 'yQU agree to pa, all other reasonable coets. including reasonable attamey" 5 fees. incurred ~ us (I) in collecting the balance due. including delin- quency fees. if any. wht!dter or nouuit is brought against you. and (2) in protect~ ing Oune.lves from any harm that we may suHer all a result of YQllr default. Charges _,..~ClarerJOes. If you incur a cbuge in i fo~igD. cwrency. it will be converted. into U.S. dollars aD the date it is processed by us or our agents ata rate set by-w based on au interbank. tourist or (where required by law) official rate. increased in each instance by.2%. This rate may differ from rates in dIecl on the dare of your charge. Clwge! converted byestablisbments (such as airlines) will be billed at the rares such C'ft.ablishmenu IUe. Benefits And Sen.-ices- Suhject:to appliCllble law. we ~ the right to add. modifr or delete any bene- fit or service offered with the Cani at any time without notice to}'QUo If you use the Card tQ pay insWUlce premiums. you give us penniuion to pay those prerniunu for you when due. YOll agree to repay us according to the terms of this AgreemenL You must tell us in writing if you no longer wiah us to pay any p~uma for you. If YOW' Account ill cancelled. we will stop paying those premi- ums for you. _R_ We reserve the right to report Account! to busineu cmlit reporting agencies and consumer reporting a~cie!. If you believe information we have furnished about YOW' Account to a consumer ~porring agency is inaccurate. you shou1d write to us at: American Exp~ Credit Bureau Unit. P.O. Box 7871. Ft. Lauderdale. FL 33329-7871 and identify the specific information you believe ill inaccurate. In~.. . . PftMMd to A....... YOLl authorize us. our afillialel and licenaees t() obt:ai.n and eJtChange btuines. il.Dd consumer cn!dit repolU. Upon request. we will tell you whether a consumer report was requested and the name and :addreu of the agency that furnished it. Pleale be advised that if you are the Authorizing Officer who authorized WI tQ establish the Account in the Rame oithe Company. you mar direct tit Rot tQ sbatt with our affiliates and subsidiaries certain t;redit infonnation (other than transaction or experience informacion) about yol.! Dr your . -\coouot by writing to us at: American Expresll., P.O. Box 7852. Ft. Lauderdale. FL 33329. Please iaclude your Account nu.mher. T.......... .....~;,_ From time to time we ma.y monilOrtelephone calli between you or Additional Card memhen and us to >iIl8Ute the quality of our customer service. -....... We may use information you have provided to U5 on your initial application and 5UlVey!. information derived from how you we- the Card and infonnation tl-om external ~ource!. including mRsumer reports. lor marketing ;l.ctiviti~ (including maili~ li!t3I. by us and our affiliateS. We may also use int'ormation derived from how you use the Card and non-cred:it Lnlonnation available ti'Om public sources to develop mailinl; list!. which ate used by comparues with whom we work to develop ode" ~'ou lIUly n;oL'eive chrougb ~e mail. U at any time you wish to have your name and addre!lt ~mo...ed from ~uch tub. please ,:alll.SOO-:::9i.8378. For I~rrl mt"mbe~ who uae Imr W..b site: please refer to llur Customer [ntemet Privacy ~ta(emt:'nr;ji "....\<I.il/ll..ri";U1t.:\:fll.t."~.'.um to J<:(lm hulo' ro inzorm w of your preferenl.-es ~niing ~fTlaillJffel"5 [rom .-\merican Exp~. tI.. of c:...d a- Fedet'alGousn.l1NIInt 4pncies ..l..mt"rican Exp~s has ~ntel"t"d into cllnttuCt.!l ""ruch ..nilule the i~rd to be ~t- ed..u n~tt:lin Ftder.1l G.,Jl'emmt'nI :Jgencie> olnu departm~nt.!l (".\~nciet 1..-\4 ",ith Card tranliltl.tion~ at l'nmm~rl'ial ~taoli~hmt"nl3. when ~ou ~hOUteto ute ~'ourCard at.m .\;;..nl;Y ':ertain I.'hilrgl' infllrmJtian ii nl;"Ce~sa.riI~'l'uU<<ted by Amencan Expresi. Charge informacion from Wrti tr.m~actiont at .~ncie:t mav be- u~ for proc~aing chatge! and payments.. billin; IDa coUectiOnli activities . lInd may be iI.ggTl:"..,rated for repnrtin;. .uuJysi~ <lnd nwiteting activities. .\dditional-routine UIe$"' Olf charge information by ,~ncies art publilbed peri_ Cldic::allyin the Federal Register. c-....mBllllng_-_ You should notify u' immediately uf ilIly l'h~ in your billing il~ Any notice given by us shall be deemed to be f,-rvea when depcnited in rlze' United States mail pMtage paid. addressed to you at the latest billing address shOWb on .,ur records. -.'>. Changing TheA~- Assignment 'We may change the terms of ~ Agreement at:any time.. including. but not%, limited. to.. chaRge! which affect existing balances. in accordance with applicable. law. We may also ;l.uign .-\ccount.!l to uur affiliates or to some other entity at ;my time. Applicable...... 'This Agreement ii governed by the laws of The State uft:tab and appJ.icahle Jeder3l.1aw. . ." 'This Arnitntion Provision lieU forth the t.1rcwnstancet and proced~ under wbicl1 Claims (as defined below) may bit m,itrated in.stead of litigated in COUrt. All wed in this Arbitntion Provision. the term "Claim - meaILt any claim.. dispute ur conttoversy between you and w arising froItl or relating to the . -\gfremezu. any ~bted or prior agreement That you may have had with us or th, ~J.atiOnabip5 resulting from the Agreement or any prior agreement. including the validio/. enforceability or scope of this Arbitration Provisioo. the Agreemenl or ilDy priQr agreement. -Qaim" includes clai.D:1! of every kind md 11Iture, including but DOt limited to initial claims. ('ounter claims. ct'O$s-claims and third-party claim$ and claims based upon contract. tort. .fraud and other mtel::l- tiona! tOrtS..litaD.ltes. regulations.. oommon law a.nd equity. The!erm "Qaim" is co he given the broadest possible meaning and includes. by war of example aaC without limitation. any claim. dispute or contl'OVeny that arisesfrom or ~late!l to (a) the account(sl (".Account.', created by the .-\greement or anyreleted or prior agreement. OT any balance3 aD the AccoWlt. (b) advertisemenu. plOtDO'"" tions or oral or ,~7itten SUltemt"nts related to the Account. goodi or services lina.nced under the .-\ccount or the terms of financing. (c) the benefit! and ser- vietS related to Coudmembership \including free benefit progruns. ~Qrollment services and rewards programs'l. md (d) your application for the Account. This Arbitration Proviaion will not apply to Claims previoualy auerted in.l.,. suits filed bet'ore this Arbitration ProvisioD becomes ~ffective 81 provided abov However. this Arbitration Provision will apply to all other Oaims even if the facts and cireumstances giving rise to the CIaims exieted. before the dr<<:ti~ date of this Arbi0"3.tton Ptovision. Any Oaim :mail be resolved. upon the clectioa of you or w. hy arhimuion pursuant to this Arbitration Provision and the Code of Procedure ('"Code j of the i\'ational.--\rbitration Forum \"~AF") in I!ffect at the time the Claim is filed. (IT for any reason the ~AF is unable or~ or ceUe5 to serve III arbilr8th administrator. anoTher nationaUy recognized athicratiol1 organization u~ iimilar code of procedtll'E: will be ~ubstit'Uted by us.) For:my Oaiml covered b~ this ArbiO'l1tion Provision. a plllty who has auened a Claim in a lawauit in cou may eleet arbitration with respect to ilIlY Claim(s) subsequently auerted. in th; laW1uit by my oTher party or purries. The Code. rules and {omu oithe NAF may be obtained by calling 1-8O<N.74-2371 urby visitingNAF's webciteat www.a.rbforum.org..-\ll Claims ~hall be Iiled at any NAF office or at Post OffiCI Box 5019 I. .Vfinnellpolis. .\ofinnI!:$OGl 55405. IF .\RBITRATION tS CHOSE~ By....Ny PARTY wrrn RESPEcrTO A CLAD! :-IEITHER YOU ~OR WE WIll HAVE TIlE RIGlITTO LITlGATE THAT CLint I~ COURT OR HAVEAJt:RYTRLU ONTIlATCLU~L 01 TO ENGAGE I)l PRE-\RBITRATION DISCOVERY EXCEPT AS PROVlI ED FOR IN TIlE ~..u'CODE-l'ClrTHER. YOUWILL~orllAVETHE RICIITTO P.\RTICIP.\TE IN A REPRESENI'ATlVE CAPACITY OR.\.> A ,tE\IBER OF"W CLASS OF CL\J\L\.VfS PERTALNINGTO ANY CUI St:BJEGfTO\RBITRATION.I:XCEPT .\S SETFORTll BELOW, TIlE \RBITR.\TOR'S DECISION W1ll BE f1)lAL .\ND BINDI:W;..~arET!i iJ11!ER RIGlITS THAn.ou WDeLD rUVE IF YOU WD1'TO COL'IrI' ,L\Y\L.50 "ornE WML\BlE IN .\RBITRATION. ?,,~:.~;:r~;~~ ~':_' t " ," ~.- -.;~. I' ,~ -.:.-.."'.- ~i..~~'?:.~;,:3._~,;;'-(~~~ . ~ There ~hall be n.o n;;:ht ur authority for allv U~im~ to U~ arlJitr.ltl!tl un a dllSJI action bOlli, or 1m baJeI jrf.<I}.lYin; C4,im" Dro:u~iu in ;I purported r~pn:kllI.aLiv~ '-.::r.pal..'ity nn bebalf of lh~ g~n"l':I.ll'uhul.__ ,'lh~r 1:.Inlmembt:B or other ~r.lOns :>Uni1arly situatetl: provided huwt:\'t"r. mat the dairoant'" inw\iJual Claim would be subjl'l..'t to this ArbitraLion Provision. Furthenno~. CL..im, brought by or ~inst i.l Cardm.t"mb~ns) of one Ac'-.:ount may not b.. jllined or ''Onsol.idate-d in the arbitntion with Claims bmught by or '-'galnst any uth~r Comimemb~n~i ol any other .\ccount. unleu otherwise agreed to In wriung by all parties. Any ubi- tntion h~aring that ~'ou attend shall take p[al.'e In the redeta! judici.a.I district of your residence. At your written request. WI! \oIiU consider in good faith maki.ag a temporary advance of all or pan-of the iiling, .JdminlJltt'aQve and/or bearing f~ for any Claim vou initiate aa to which you or we ~lt .ubitr:l.tion. .\t the condu- ~wn of the arbitration. the uhilhoor ~ decide who will ultirnately be responsi- ble for pllymg the liling. admiai.smnive and/or hearing fees in connection with the arbitration. nw. Arbitr.ltion Provision is made punuant to a tr.lIUactiOD invol~ inte~ !tate COrmDe1'O!!:, and shall be gmemed by the Federal Arbitration Act. 9 U.S.c. 5ectioDl H6. ill it may be amended (the -FAA'). The arbitratorshall apply applicable substantive law consistent with the FAA and appliC2hle statutes of !imitatiOD5 and shall honor chUms of privil. recognizr:d at law and. at the time- ly requea of eitherputy. shall p~e a brief written explanation of the buia for the awanL 10 conducting the .ro1tn1tion proceeding. the ;ubicntor,hall not apply the Federal or Uly state ru.1eI of civil procedure or rule. of evidence.ln addition to the pames' righu to exchange infonmaon pursuant to the Code either party may submit a request to the arblbtior with a oopy of the request pro-- vided to the other party to expand the scope of diaawery allowable under the Code. The objecting PIU'tY may SuDmlt OD)ect10D!l to tile llItluralOr witil a o;;:opY or the objedioD8 provided to the requestiDg party, within fifteen (15) day. ot the requesting party" s notice. The granting or denial. of either party', request will be ita the 80~ discretion of the aririuatorwho sballnotifythe parties o(hWh~. sian within twenty (20) day! of the objecting party's submiaUoO: Ju..ent upon the award rendered by the ari:Jil1'3tor may be entered in any court having jurisdiC"' tion. The arbitrator's decision will be tinal and binding. except for my right of appeal provided by the FAA and/or if the amount of the awarti exceeds S1OO,000. any party can appeaJ that ~ to a three-arDitratoJ' panel adminis- tered by the NAF which shall reconsider r.k novo any aapect of the initial award '"'1""'" by the appealing pam. The appeaIiDg patty ohaiI have thirty (30) day> from the date of entry of th~ written arbUration award to notifr the NAF that it is eurciaing ~e right of appeal The appeal shall be filed with the i'lAF in the form of a dated writing. The NAF will. then notify the other party that the award has been appealed. The NAF will appoint a three-arbi1l'ltor panel who will conduct all arbi.tration punruant to the NAF Code and iuue its decision wit.hi.n ODe hun- dred. and twenty t120) days of the date of the appellant's written notice. The deci~ sian of the pane.! shall be by majority-vote and shall ~ final and hinding. The COItll of such an appeal shall he bome by the appealing party regardless of the outcome oithe ap~ As uaed in the Arbitration Provision. the ten:nI "we'" ilItd "WI" sbaU for all pW"" poses mean American Expresll Travel Related Services Company, Inc.. Alnerican Express Centurion Bank. as applicable. all of theirparents, wholly or majority owned. subsidiaries, affiliates. licensees. predecessora. .iuccenors. assign! and any pwchaser of your Account; and all of their agenu. employees. directon and rep- resentatives. In addition. "we" or"us".iball mean any third party providing any product. service or benefit in connection with the Account (including, but not limited. to credit lnu1!BtU., men:hants who honor the Card. isaued fortbe Account. third parties who provide or participate in Cree bene:ttt program&. enrollment ser- vices and rewards programs. credit insurance companies., debt collectOn and aU of theiragenta. emp~ diredon abd repreHDtatives) if. and only if. such third party is named as a co-defendant with WI in a Claim. llMerted by you. As soJeJy wt'd in t.h.is Arbitnltion Provision. the terms "you" or "youn" shall mean aU penons or entitielll approvelt by WI to use the Account. including but not limit- ed. to all persona or entities conlmctuaUy obligated under the agreement or any prior ~ment you may nave had with WI and all. authorized users of the ..\ccount. 'This Arbitt:ation Provlsion shaJJ survive terminatioll of your Account all well as voluntary payment of the debt in full by you any legal proceeding by us to CQUect a debt owed by yol.l. any banJauptcy by yOu and any sale by us of your Account. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any law or statute. consistent with the F.4A. it shan nut ml'lilidate the remainizzg por- tions of this Arbitration Provision. the .~ent or any prior ~rnent you may have had with u!, each of which ~haIl be ~nforceable ~ess of such invalidity. In the event of a '-.:ontlict or inconsistency b~n the NAF Code and this .-\rbitration Provision. this Arbilntion Provision llhall govern. I~ to Caifamia Residents fhi~ Arbitr:ltiUll Provi:iion :ihaU llot ;.Lf.'ply to you ul1le~~ and until H.)U uoeth~ Card aJter Wt! notify you in wri~ mal it i~ applicabLe in CaLifornia. AMERICAN EXPRESS CENTlJRION BAN ~d'- -/' _ Paulsen P, iMntl Cbief Executive Officer \meric::m Expr"",,' (arc! Bag:rage In:i~ance Plan ~~ ~ _ The Bagg;age1.--..PIaa_ For an American E....p~!5' Corporate. E.'(ec~tive Corporate. Gold CorpoNe 0 Corporate Piarlnum Ctrdmember tbe :\m~riean Exp~' Cud Baggap Insurance Plan ('"Plan i provides certain coverage agaimt Lots or dam. to checked and canoy-on haggage ,,1' "folJn and of Elig:ibJe Penom (~"Who Is Covered") wbeQ Common Carriertickets are charged to yourCmpor.. Executivl!' CvIp012re. Gold Corporale l.lr CorpOr:lte Platinum Cud. Acrount orto another eligible AccounL .. Coverage is in effect for Eligible Persons duriDgtheirtlilvel on a Cornmon Carrierwn~n Ule o.drellor ln~ mp lont:""way 'lr rounu-rrip/ l~ .:narghi to your Corporate. Executive Corporate. Gald Corporate or Corporate Platinum Card a<:count or another eligible .\ccount. Cove~ (Iuring:l Covered 'Ii-ip fOI ~c::h Eligible Person includes: . Up to $1.250 forcanY"()n ~ <Utd certain Catry'"OD pt'tIOaaJ eiIect6 whil these are on board the Common Carrier. and . Up (0 $500 jar dIeckd bagage, in excess of ch~ baggage covenge provided. by Common Camers. Hate: For ;Vf!tV York StCUl!' residerw. ther? l.s aS10.OOO ~e mw:imum. li.mU for ail Eligible mons per Ctnlem1 Tn"p. If the CotJUDon Carrier ticket for each Eligibl~ Person is charged in advance of going directly to the terminal to board the Common Carrier, the baggage of ellc Eligible Person is aLlo COVeml. for: . Up to $1~50 while the Eligible Person is going directly to or leaving directty from the terminal an a Covered Trip while traveling as a p~ in a land Common Carrier (such as a taxi. bUll, or airport Umouaine) arm a scheduled helicopter operated. ail a Cornmon Carrier. . Up to $1.25Q while the Eligible Petson is in II termW.alforthe pwposeof bo~ or inlmediately after diaembarking trom a COlIUJ1on Carrieron a Covered Trip. 1J.11J' ...;::;;j"jI.!':1iTiTi,I.:t....~liTI:'I.:'-~...I.liTiiTI..I.""!.1 J.....~"'. . Accaqrt means .-\dditional Cards issued in aasociation with. yourCorporace. Executive Corporate. Gold Corporate or Corporate Platinum Card. a Buaine TravelAccount. .-\irline BilliIl{!: A.ccount or:t TreaalU'er's Card and the extenl ed payment account. if any. offered in conjunction with any of these: aU iuul by AmeriC3D Express Travel Related Services Compmy. mc. oriQ paIticipal ing mbsidiaries ("Americ:an Expresei. . Common c:.nw means an air,!and orwatervehicle licensed to c.rrr pave: geD for hire (such aa planes. trains.:>hips. an.d buses). Common ~en do not include rented or private vehicJes.. or hotel. or other co~ vehicles fOI which no fare is paid. . eo...- lWp means a trip for which the Common Carrierticket hu been charged to an American E.~l'e5I Corporate. Executive Corporste. Gold Corpornte or Corporate Platinum Card aCCOWlt or another Account. Each Common G.urier ticket constitutes a separate Covered Trip. Key Terms To Mnow . BmejitI will nol b~ paid if, on lhe dale of ~ ofLo1.s or~ arM _ of claim filing. a>;Y amount of your eo""""". E=wive c"""""". Co/, CorportUe or Corporate Pfatirwm Cardaccowu or a1WtMr.~.4crount u- to ci1atw,he Cammon Carrier ridcl!'tfS) for the Coverwi Trip if (a) unpaid for tUIO billing periods or (b) .'"OW" CorpONUI!'. E:recum.'~ Corporate. Gold C4porr. or Corporate i'tatUwm. Cordaccaun.l<)r~.iJ::muns u cancelkd.- . For t:becked baggage. this is EXCESS l.'ove~. The Plan only !Upplemebt!: Common Courier'! liability for cbeclted b~ up to the bagat;e.s full vtil (delined as total original cost) or $500. whichever is lower. (For ~ple. if your Loss ot checked b~ on:l CoverM Trip is $2.000 and.the wmmo' Carrier reimburses you ::;1.000. the Plan would reimbur.le you torttp to $SOt . Claim:! for ch~kt,J ba~ '~an b~ pflw~,;~d Jmi paid unly after the Cummon Courier resporuiihle for the Lo*! hll5 ,;~tt1ed and pllid lilr the daim against it. If the Common Carrier completely denies ~'our claim.. there will be no reimhune- ment for Loss or damage under t.hia Plan wU~.lhe 'lole rellSOn for denial is the speeiiic exclusion of II. particular itemls) (e.g.l::1mera) under the Common Carrier'~comrat:tufc3lTi3..l!e. . For c:ll'T'y"'On baggage lb~ae not ch~ked with a Common Carrier). claims will be payable on the bui.i of the aCNa! cash value (actual cash value is de.6n~d d5 the replacement cost at the time of Loss ur (bmage.leH d~precia- tion). .U[EX .~surance Company may. .n its option. elect to repi'ir or replace , ". __... o.L ____ _. _:1"__ L,_J '_~ _ "__ ...L:.__._ .__1_ lIlt <':O"~n-U JJ"~"'5<:: ......... t"....!"<::l L.' <II "...e ,.."n.! ..".... 'I........'.'. ,.......j<.\.. '.... 0..'.... ment baled on acroa1 cash value. -Does not apply to :'-lew York State residents. Items _5peciat1.imilations Coverage for high-risk items is limited to a combined maximum of $250 for each Eligible Penon for each Covered Trip. These ~~risk items include. but are not limited. to. jewelry. sporting equipment. photographic or electronic equipment, oomputen and audiolvilWll equipment. More ot What's Not Covered Business contents or effects; umbrellas: hats: coats; cash or its equivalent< credit cards: securities; tickets and documents; CODtact lenses: a.rrificial teeth and limbs; plants and animals; housebold effCCll (iteml uted or displayed. in a household., not of a personal nature, such as silverware. art objects. bed~ and linens); automohi1es; moto~boats orotherconveyances. HC1Wf!fN!r. bi.cycia r::lwdtedas ~ and coau padc<<i in. cMr::ked or carry-on ~ are C01.~ acrording . to... d..cked and"""...,. ~ """"'!" d..aib<d above. . 'There is no coverage for Loa or damage: cau.sed by war. civil war or radioactive oontmrination: contributed. to or caused by voluntary consent or contributed to or caused by con&cation or requisition by Customs or other governmental authority. Who Is Ccwered You are considered. to be an "Eligible ~n" under this Plan if: 1. You are: ~ AnAm-eriean Express Cardmemberwho hU an American Expresa Corporate. Executive Corporate. Gold Corporate. or Corporate Platinum Card or Additional Card issued in auociation with an American Express Corporate.. Executive Corporate., Gold Corporate. or Corporate Platinum Card account iuued by American Expresa in yourname; or au an employee (or other autho~ rized pet30n) of an entity which has. a Business Travel Acroum.Airline Billing Account or Treasurer's Card issued to it by American Exp~ and are eligible to have vour common carrier fare ~ to that Account; or (c) the spouse or depend~t child under age :.!3 of any Eligible Person described in (a) or (b) abo~ and 2. You are a resident of the United States of America or one of its territories or pouesaions and the Corporate.. Executive Corporate. Gold Corporate. or Corporate Platinum. Card account or other Account is billed in the UllirodSta.... How To File A. Claim ._.....,...:-_~...:'!:-.... - .. . 1. To enmre prompt processing of your claim. you need. to report any lost or ~ baggage immediately. as foUows: . For checked baggage. you mUBl: Jile a written report of the Lo81 or damage with the Common Carrier before leaving the terminal . For carry-on baggage. you mwt file a written report of the Lou or damage with a local law enforcement agency. . You must retain all written reportS and receipts until the final claim determination hu been made. 2. C.a..Il. toll free !IOO .., 9700 (ovel"lleas. call 7034 i09. i982) to report your claim to the clainu department and obtain a B~aage InsW'8Dce Plan O.aim Form. 3. Complete and sign the B~ lnsunmce Plan Claim Fonn and return it with the documentation requested in the Oaim Form. Please note the following: . Your claim will Nar be processed until all these required docu~ ments are received.. . You must return your completed claim fonn and required docu- ments prompdy. bUlno taler than ~U month& from !he dtue of oa:ur- tmO!' of Loss or damage. oryour claim will be denied. Additioaallntonnation For You. The American Express Card B~ Insurance Plan is underwritten by AMEX Auwance Company C"Insurer',. Admin.i.!ttative Office. Creen Bay. WI. This document sel"veS onlv aJ a Description of Coverage and ia not a policy or conQ'llCt: of insurance: the ac~al Tmns.. Conditions. and Exclusions of Policy ,.\,.'(0400 ("'Policy" govern the Bagage lnsur.mce Plan. The Policy has been issued to ..\meric:lll Express Trav~1 Related Services Company, Inc. by A.ME.X Auurnnce Compll11Y .md i~ on rill!' Ilt the offict"5 of American Express. 'Ibis documenl replaces all emring prior Description5 of Coverage for the Amerir.an Exp~ Card Baggage tnsur.1I1ce Plan. f~9 U #4 Kenneth 1. Ciak. ~ident A..\IEX Auunnce Company 6-I37-[0-94Iep) llDlothy ~eehan. Secretary A.\tEX A.uurance Company 6/97 The PUI'I:ha,e P",tection Plan Ho"'The____ When an American ExPresl' Cudmemberch~ a covered pun:hueeutirely with his or her American Expreu Card Accountl the Pu.rcltase Procectioo. Plan protecta apinat theft of and accidental d~ to the item pwclwed forOO dAy. from the date of purclwe. The l,'overage illimited to $1.000 pet Occuneace. up to $50.000 perCardmember Account per policy year. and is in EXCESS of other lOurees of inmrance. How You Benefit' . Itema of personal property pwclwed worldwide with the Ameriean Expre. Card are covered. including gifts purcbued for others. . A. an American Expraa Canimember. yourpurchaae is coveredfor 90 days &om the date of purcbue when you charge the entire price oithe purclwed item with your Am.erican Express Card Account. j . The Purchase Proteetion Plan provides covet8F for up to S 1.000 per occur rence of theit: or accidental damage ('"Occum:nce 'j, not to exceed SSO,OOO per Cardmember Account per policy year. . The Purchase Protection Plan provides coverage. at the discretion of the imurer. to ~air the penonal property. or to replace it with the same or sub- stantially similar item orto pay cash (or credit the Cardmember's American ExpteSl Account'). not to exceed the original pmchue price. excluilingwces and shipping and handlingexpenaes. when the item wu clwged. entirely with the Card. ~ Who Is Cowered: You lite eligible for coverage if you are a U.S. resident American Express- Cardmember. that is. the Am.erican Expresa- Cani or Optima- Card in aaoc:ia~ tion with that Card. has been illUed to you in vourname. and vour Card account is billed in U.s. dollan from an operath:.g cen~ in the U.S: . Key Tenns To Know . Bene.litswill notbe paid if. un the dateoiOccurrence oron the date ofclaim filing. any amount due on your Cud acrount is unpaid for one ormore billing cycle(s) or your Card account is cancelled' . You muat provide proof of purchase and satislactory proof of the theft or acci~ dental damage while coverage is in effect to qualify for payment under the llurehase Protection Plan. Remember to keep aU your American Expraa (:barge receipts.. oripna1store receipts. and dama@editemL . l:overage under the Pu.rcl1aae Protection Plan is EXCESS; this meana that if. at the time- of Occummce. vou have other valid and collectible inIurance or indeJnnitv-,uch as but no~ 1ir:nited to homeowner's or renter" s insurance. or inn.uan~ provided by a third patty (e.g.. a 5rupper)-tbe Purchue Protection ?tan will coyer that amount not covered by RIch other inlurmce or indemnity, lip to the limits of the Purthue Protection Plan. Purchases Not Coyered . I1"avelerI!J checks. tickets of any kind. negotiable insttUments (suth II promissory notes). cash or its equivalent: . ;mimals or li~plants; . eonsumable or perishable itetnll with limil<<i Iif~ spans (sum as, bw: not .Imited to p<ifume.1ig/tt bulb, baneria); . ,.aed, rebuilt. refurbished. or remanufactured items: . if'the damaged or stolen item consists of articles in a pair or set.. coverage will be limited. to no more than the value of any particular part or pll'ts, unless the articles are unusable individually and cannot be ~laced individ- uaUy. rega:rrlle:ss of any special. value the article(s) may have hacia. part of a iet or coUection: . mtomotive partS. including but not limited to rims. hubcapa. ~ and mufflers. installed or ruta.t::Md in automotive vehicles (such as IlL cars. rrudcs. rnoum:ydes. boats. uirpiaMs. ar riding lawn motuers); . . . permanent household and/or business fixtures.. including but not limIted. to carpeting. .tlooriru; and/or tile: - ----- . .. . /,wineu fixtunS, iru:~ but not limited to air conditioners, fl'frigl'rruors. h~rs: . . c1Jj~m hospital. m~dical and dental t!{{Uipment and device,; . rare stampa or coins: . items lo.t, ~ or stolen under the care and control at' 3 third. party or L'Oaunon caml:!r. . items $till under installment billing; and . <:!n.,,<>in<:! part! for aU motori::t>d t,('hic~. 0Ixumenc0s Not COvered . ~tems iWOl or misplaced.; . items stol~ from automobiles: . ilnls lIDt rea.sonab~ MJjl'gumded by you; . jewelry orwatc.hes stolen from bapge not carried. by hand underyour personal supervision or under the 5Upervision of a traveling companion prev;oualy known by you; . iteIDI damaged due to normal wear and tear. inherent product defect.. abuse.. or normal coone of play (for item.l such 81 golf and tennis balls); . myueriou. diappearmce: . OCCWTeD.CS cauted by t100d or earthquake: fraud. war or hoa&ilities of my kind (~invuion. rebellion. inmzrection): coufilcstion by order of any goy-- emmeDt. public authority. or ClUtoIl1l official: rUb of contraband: illegal activity or acta: radioactive conwnin.atiOD. ~,~+i :.~~.:...;:..., How To File A Claim 1) Call toll.&ee 8()().322.1ZT1 to report your tbeft ordamage claim (oveneu. call collect at 703~709-i982). - - . .....-: You must ~ your d.aim within 30 day! from 1M dau ojOcrurT'f!1la. 2) You may be sent a Pureha.e Protection Oaim Form which you muat complete. froDt ODd back. .;go. and """" lD the daimo ollice with thelollawmg requimI documents; (keep copies for your own records): . the American Exp"* charge receipt: . the original itemized. store receipt: . the inmnmce declaration fotDll for your other lOurceI of inaurance or indemnity (e.g.. homeowner's orren~'s inlunnce. orinmrance pn:wl.iied. by . thinl party); . a photograph of and! or repair estimate for the damaged. item (damage claima only); and . for theft claime only. a report regarding the stOlen itema wbich mtut be filed with the police or other appropriate security office within 48 boon of the date of Occurrence. - Yo. mwt ,..",. Y""'" rompIet.d doim fonn and ""J"Wd doaunenu within 6OdayoJro.. "",am.of~. 3) At the diactoriOD o/the W-. valid tMft ...dataogedaimo will be ..tUfiod by either repairing the damaged. item orl'eplaciDg it with the same or a aubatan- tially similar item, or by cash p-rment (or by ctedi1mgthe Cardmember's American Expreu accouncl), in an amount not to exceed. the original COlt. =iuWag taxeo aDda/UpfMgandltan.JHng_ of the dwpl item(.).' Nail: No payment will bf! moM on. ~ dnim tJw is not subsl.antUJzed in. the ""'""'" ""J"Wd by "'" Ina.ter. .J.) For ~ claima. you may be required to eend in the damaged it.em(.). at your ezpenae. for further ewluation of your claim. -1f~Y""mwt""';"""'~-within30dayofrom"'" am. of '"'I"""" ."'..~"_:....~' .." .. .-- --- A.....~.-..:;: _ .4;;..~A:-?:': - Important Additionallnfonnation For You The benefits protided. UDder the Purchue Protection P!an apply only to you. Only you lwve any lrga1 or equitable right. remedy. or claim. to insurance proceedII andlordamages u.nderor srilingfrom the Purchue Protection Plan. All reuonahle and prac:tic:al stcpI muK he taken to avoid or leuen any theft of. or damagelDP"'P""Y- by the l'un:lwe -. PIm. For=pIe. unlocked or.."..-....I.ri it.ema.menfrom. publicbci1itieewiIlnotbe CXJVered. When a benefit baa been paid underthe Purclwe Protection Plan. the Inaurer becomes suhrogIted. to the euent of such ptymeDf. to all )Uurrightl and remedies ..... any "'P"DIibIe puty. Upon our_ you tDUat pnwid. ua..uoaable aaiItance. includingsigr:U.ogdocum.entl if neceaary. to bringsuitin yourname. The Purchase Proteetion Plan is underwritten by A.MEXAutuance Company ("'nsllrel"j, i\dminiitrative Office, Green Bay. Wucowin. This docum.enuerves only 311 3 description of cov~ and ill not a policy or contract ofinsun.nce: the actu.a.l. terms. conditiona and exclusions of Policy AX0951 ("Policyj govern the Purcltaae Protection Plan. The Policy has been Luued to American Express Trave! Related 5ervic~ Company. Inc. (",\ml:!rican Expreu'l the Policvholder. 1bis do.:um~nt r~pJac~s ail emting prior Descriptions nf Cuv..~ for ~he Pun:ha;;1:! Protection Plan. f-1)w/~4 Kenneth J. Glk. Prt'$id~nt A~'[EX .\uurance Company 6~6-11.-97 Tunothv \teehan. :5~~t.1n' .-\.\IEX "\iaurance C"mp.any ~98 , For Iho~ ~~lt' ;lnd ..nroUt'd in ;\lemhersiUp H,="wana,. the ,'ntin- .:oat oi ill ~ product may also hI:! pW'Chakd through redemption "f a )'le~p Rewanil ~emption cen:i1icate. ; Formate ..ligible and !"MOUed. in \lembeniUp Rewanis. beneiib ltMaUo paid when the p~ item is received. through the ~empc:ion ui a Membtmhip R-.rd:I redemption certificate. .- l Don not app/..v w.'if!W York:5tau resUk1llJ. I FOI'tJro.~andfl1lTOlledin.l,f~R~fJllY1MNOImdi.t willnoc ......du..origVwJ...ipd"'"""'flhe~p"'pmy".",;".,j~.....". lionofa.U~R~r~n.~upU)wslDlailimiu.e:trduJing ,...,....JUpp;ngand~.."...... \ Important note lorthOR ~nrolled. in Membmhip Rewards: A Membership Rew.rds redemption cettilicare can only be redeemed by eligible CudmemberL Beoefig will not be paid when a ~I~hip Rewards redemption l.'ettific:ate hat been truaaCem:d [0 nOD~ligible Canimembers and/ornolt"Cardmemhen. a When eligihle and enrolled in Membership Rewanis.. prooiof~vaIut:-~on IUCh property when uain4 a ~tembenhip RewmU redemption certiiicace.1ttUIl be sub- miaed in ..ddition to. th" uthe-r requin:d docwnentL jf~ The Buyer"s Assurance Plan How The Buyers Assurance Plan Works- When an .-\merican E."tpfeSS>> Cardmemberclwges the entire COlt of a-covered. product with his or her Card account' the Buyer's Assurance Plan will extend the termI of the original manufacturer's warranty for a period of time equal to the duration of the original. manufacturer"s wammty. up to one additional year. on U,S. warranties of five y~ or lesl. Haw You Benefit . The Buyer's AHurance Plan mUtoD manufactureD' warranties for covered products purchas<<l entirely with your Card. account. up to one additional year, . When your covered product's manufacturer"s warranty expires. the Buyer's Aaurance Plan takes effect - providing coverage for prodUCts coating $10,000 or les&. e."'tcludingtaxes (not to exceed 550,000 per Urdmember Account per policy yeu for all OCCW'T'ences combined.). . The Buyer.s Aasurance Plan. ol thedis<:rl'tionoftiu!in.surw. will repairthe personal property utilizing an approved American Express netWOrk servicer: replace it with the same or substantially similar item: pay cain: (or credit the Cardmember's American Express accounr) not to exceed the amount of the original purehase price, excluding taxes and shipping and handling e:cpfmS('S., of such property which has been charged entirely with the Card: . Where the penonal property consists of articles in a pair or set, thia Policy shall be liable for one item in the pair or set which form the buia of claim. hereunder. . No product registtation or enrollm.ent is required for any covered ptoducts. including giftJ purchaaed for othen. Who Is Covered- You are eligible forcoverage if you are a U.s. resident American ExpreSl. Cardmemher, that is. the American E.-cpress. Card orOptima. Card in UIOci.a- tion with. that Card haa been issued to you in YOur name. and your Card account iI billed in U.s. dollanfromanopera~cen~in the U.S,' . Key Tenns To Know . Benefits will not be paid if. on the date of Occummce or on the date of c1aim filing,:my amount due on your Card account i,l unpaid for one or more billing cycle(s) or your Curl account is cancelled.~ . You must provide proof of purehase and sawfactory proof of the covered. Occurrence while covenge is in effeet to qualify for benefits under the Buyers Anunmce Plan. Remembl:!r to keep aU your American Expreu r.har~:e receipts, original ~tore receipts. original manufacturers' wammtiee, and products requiri~ repair. . rr you buy an additional ,;I:!rvice contract or an ~xtended store warranty for a purcha.se that already comes with an original U.s. manuJactureis wlllrarny. covera~ under the Buvt!r'~ Assurance Plan ~s not apPl:v.lf. however. you purchase;ln .-\m~rican E..xpress' 5l"rvice Plan with iI purchase &om American Exprt"~~ \ten:hamli~t" ~..rvitt'~.lh.. l~ll\'l"r'" hsur-Jllt:.. Plan will .lfl'pi.v belot'l" the ~eni';e P!.an j,.; in ,.IIt'Iot- . .\ny Obsemhl~', pf'Or~sibnai JJ\";t.l". maintenance or installatiun f'h~ inc~d at an addirion~l ,'ust in 1:lInn~'tion with the pUll'has.- of a t:~"..m1 pm,Juct \~illll(lt be ,:u......red unuer the Ruy..r".; .-\s~ur-ant'e Plan. . indj,iJu:.l! pru..lul:u t:flSUng murt' than $lll.lJl}I): . producu not purr.hased in the \.:.5.. iu territories ur poue5iion:l: . pl'Olluct5 ....ith manufacturers' \~'atr.lntie:llastiru! in r-:<tt'CS:i of fi\'e H~'dn: . pmJucu nut ha\'ing manuti:lI'turers' ...arranot:s"\-aud in me L.S.: . . used. rebuilt. refurbished or remanulal:[\Jfffi items; . protiucu I;'ove~ hy an: un.c:omlitiQruU ),'lliJra/'llee 'Jnert'11 by J retailer flr a !D.ltlllu1ac[Urc'r to repair ur replace the produl.-r. at no additional L"UsL in the ev~nl the product cell5!!!l to function aa promised: . motorized vehicles (,.uch as cars. trUcks. motorcycles. boau. Airplanes. or riding lawn mowers) and their parts. subject to high risk. coamu.tible wear and tear. ur mileage nipulations (including battent'!. carbumors. pipes. hoses. pistons. brakes. tires. l)t muJ1lenl: . m()torized devi~ and their part! used for ~cuLture. ~ping. Jemo~ lition or eooettUction. whether for penonal.leisure or bwineu uae; . m()torized devi~ and their parts which are permanent addition! or~ .toa~orcomm.m.ml~ . busines5 fixtun!S, indudirrgbul Ml JimiJed 10 air CO~l'3. ~MoJen; . l.and or building$: . conmmahle or perishable iterQfl: . animals or living piantst . one of a kind products which ~othe replaced: and . items still under insWh:nent billing. Occurrences Not Covered' . damage. except to the extent the manuiactuR:r's warranty cQVen damage; . OCCWTenee5 caused by flood or earthquake: fraud. abuse. war or hostilities of any kind (e.g.. invasion. rebellion. insurrectionl: c(Jn5scation by order of any government. public authority. or custom!l official: riskJ of contnhand: ill. activity or aC1lJ: radioactiv~ contamin.ation. How To File A Claim ~~-_.._~ j ,.,-.....-..-.~~:-_. '. ,....,,'~ ,.. . . Remember. you need to report any Occurrence immediately following: the date of the Occu."n!nce. mcludingtbat for gifts purchased with the American Expreu Card. Remember also. :rou need to retain your ~eipt!l. the original manufactur- er' 5 WV1'1lDty and the product requiring repair until the claim proce51 is complete. 1) Call toll-free 800-.225~3750 and we will direct you to a repair facility (oveneaa. call collect at 703-709-7982:}. NcII8: 1'Ou must npol1 your claim wilhin 30 days from r.he dale of Occu.rrence. 2} At the discretion of the Insurer. valid claims will be satisfied by eith~ repair- ing the product utilli:ing llD. approved American Expcess netWOrk servicer: replaciIuj it with the same or a mbsrantially similiu item: by cash payment; (or by crediting the Cardmember'.. American Expre" AccoUllt7). in iIl.D amount not to exceed the original COlt of the charged item(s). eltcludingtaxe! and shipping and Iw1dllng exp.nsaJl ..... No paymenl will be rnmie on any claim cJu:u is not substanlialed in eM _~""'u..[_. 3) You must retUrn all reqtlt'!ted documentation within 60 days from the date of Occurrence. 4) For some claims. you may be ret{Uired to ieI1d in the damaged product. at YOW' expeDR. for further evaluatiOD of your claim. _ If~r.d. .YOU mwt ,ond '" u..~.d produet widUn 30 <kys frem the d.au of reqJ.U!SL ~ '.. "'.' Additionallnfonnation For You The beneDu provided under the Buyer"! A66urance Plan apply only to you and additional. Cardmemben on your Card account. Only you and thoM: pel"8011A have an~ legal or equitahll!' right. remedy. or claim to insunnce proceeds and! or damages under orari!ingfrom the Buyer'! 'u!JUrance Plan. [{bankruptcy o(the manwacturer or ocher ~ponsible pazty. or any other event. occun which emit any wlllTa8ty bl!t:or~ or after Buyer's Assurance coverage i. in elIecr.. me Buy~r"5 ..\ssurance Plan will continue to provide I.'overage acconlingto the tenns of the Plan. not to ~xceed ODe year from the date of sw:n evrtIL. upon receipt ot' proof from the C.mimember in the form of a public announcement or other official documentation uf such t"vent. The Buyer's AsSW"3DCe Plan is underwritten b:v ,\MEX" \ssurance Cumpany l-ln.surer"l. 0 \dministrativ~ Office. Green Bay. WiiCOnsin. This document serves only as a description 01 cover:l.ge ami is not a pullt-y or contract of insurance: the ..ctual lImns. ('untlitioilS allll.~xdusions lIf POUt"y A.X04,'i.1I.'Poucy" gOY- ..rn the Buy.~r',; .--tiliurunl:t~ Plan. The Policy ha. he~n iS8U~d to .-\mt'rir.:m Expres~ TraVt~1 Relatl",J S~rvil:es Compan~,lnr.. ,"'Amencan EXp~5'1, die Polic~hold~r. This t1ot:ument replac~ all existin; prior Dt'!cnptionJ of CfSpuye~.~';~n~#4 Kenneth J. Ciak.. ~ident -\.\lE..X Asaur...n"~ Ctlmpiiln~ 0717-t I-Oj T'unothv Meehan. Secretar." A,MEX :wllr.lnce Company :!I98 I ForrhQ.le t"ligible and ..nroiled in .\lembel'lhip R~wania. the entire t'ulll of a t'OYft1:d product may rdao be purchllkd through redemption of a .'demD,,"tup Rewards redemption certificate. 'DoanocapptyIOIVMU YorlcStaM~ ) Forrno. ~an.d ~nro/l.ed in.Jtembmhip R~ payrtwtU orawJil wiUno& ...... u..~ ""p ,..... oj"," pmeneJ P"'!""Y",mw Uvough......". tiDnofaJ(rrnbership RftOtJI"d& mUtmption.~up 10 tlw stGlftilimW, ~ ..... .".;,)Upping.".; IuwIJi>"! "l"'V"'. , Cmporrant note for r.hoR enrnlled in Mem..bmhip Rewards: A Membership Rewvda redemption Cl!!I'tificate can oniy be redeemed by digibie Cudm~ Beneita will not be paid when a I\temhenhip Rewarda redemption ..:ertificate hu been au.fem:d to non-e.le Canimem.ben azuVotnDn~mbetL ; When eligible IIDd enrolled iQ Memhenhip Ilewudl. proof of usigned value placed oa 6UCb property when IIIing a Membenhip Reward. reciem.pcion cenificate. mu.t be submia:ed in addition to the otherreqqired,dQCYJllenu.. if ~ested. .'S100.000 Travei Accident In~urance Description at Coverage Underwritten by A.i.\iE..~ Assurance Company. Adminimative OfIice. Gn:en Bay, Wisconsin (Herem called ..the Company". Covered Persons A person shall be a Covered Penon under the B1aDket Muter Group Policy .'1)(0948 ("'the Policy") only.; 1. he or ~he is: (II>> a Basic or Additional Cardmemher who has either a Personal Card. Gold Card.. Corporate Can!. 01' ExeaJ.-Qve Corporate' Card whou Coud I1wnhen begin with 3i820. 37826. 37834. 3i836. 37879 orOptima.l Card accounts: or Corporate Cud with Card account number ~with 37134 ortbe extended payment account offered in conjUhCtion with any of the forep- ing. iuued by American Express ThavelRelated Services Company. Inc. or ita participating mbsidiariel ("American Expreu'1 in biI or her name: or (bl the spouae or dependent child undet age 23 of any eligible penon described m 101 above; ODd Z. hi. or her American Expre5l' Card is billed in the United. States in U.s. dotlan. Definitions And Scope. Of Coverage "'Accident" whenever used in this Policy 1lleana an unexpected evmt which C&UMlIlnjury and shall aJso include expoIIUe reIUlting from a mishap au a Common Carrier Conveyance in which the Covered Penon a traveling. "American &p.... CW..JWI..... tbe p."...J Uni. Gold Uni._ PI.. Gold Uni. Platinum Uni.' Optima CW aa:ounb. eo.po""Uni. Gold Co,!"",,, Uni. &..uti... Co.pome Uni. Corpon<" Platinum Uni. Co.pome Rewudo PI.. Gold Uni. CO'1"'_ CW wid< Canl.,,,,,,,.. Dumber bcgmnin<< wirh 37134; Treuurer'. Card. Buaineu Travel Atx:ount and the ~ded pay- ment account offered in conjunction with any of the foregoing iSNed by American Expre. orita panicipating sublidiaries.. "American F.xpreu Card" ~hall a1ao mean the Cotpol1lte Card, E.'Cecutive Corporate Card. 1ieuurer's Card. and Business Travel Account iSlued b~ participating subsidiariet of American Expl'e$l when billed ouuide the U,S. in currency other than U.S. dollars. '"Common Carrier CulM!"lllDce" means aD air. land or 'Water vehicle (other than. a rental vehicle) opera~ by a common eamer 1icenJed to CMT! ~ for hire. Atrtpiaa~Trip"tf: 1. ita amp taken by the Cllyered Penon between the point of departure and the F'mal Destination u shown on the Covered Person's tiwt.: and 2.. the Cuvered Penon's fare for suclt trip has been actually charged to a .pecific:: American Expre5\l Card "Iccount prior to any Injury. "fniwY'" r-. badly int.y wtIictI: 1. is caused bv an Accident which OCCW"!l \Vhile the Covered Penon's iMur:tncc is in force ~der the Policy:.:JLIa ;.. ~._..._.d,__j ~.;.$~:~., t I ~-"f"t' ~.._-~ ")!c..!:i'''~-<:;- - =~ ." '. --': "..., .~.;... '! -."..--..... ...~~~ ~.~....~_..., ...~ '~""". ....... 3. 1:J"t'ate~ a Lu$s du~. ,lire('clv and inIJ'''n.-l1,lentlv "t'.iil,\th,'r ":1lW'~, [Q ,w:h ..ct:luenwluuLwy 1l1JUr:. ---s-J J_~~' means an ait1ine I_tedin the ot1Itt:iaJAlr8neGIIiM whictI ia ei'Ihler. 1. "fr ~[f"! 5tllt..s rf'~';~tr">. ;tnu r't'nifil:"! hv m,' ['Ilit,.,! '::1'.11'" ~n\""mm~m to "ilt'l'Y !,as:i"~<If:"n- un J rl:'.gu!..lriy ~dlt.Jul!lt.i b.1~j,j; ur 2. <.It foreib"" regisc-:' ami Jppro\eU bv Ute r nill:'J 5[:1tl:'s :!o\..rruno:nt :mJ th", ..ppropriare foreign authorit;,.. . ~ -- Table of Losses l-. of... 5100.000 ~._.6-.._d Lo. of both hands or both Iffi S I 00.000 Lou of one hand and one foot :5100.000 r..o..ofe'nriresightofb~dte~ $100.600 Lou of entire sight of one ~e and one hand or onp. foot 5100.000 Loa of one hand or ODe foot $50.000 Lou of entire s~t of one eye $50.000 "Lou - <is used above with reference to hand or foot meahl complete and permanent severance through or above the wrist or ankle joint. and as uaed with reference to eye me8.b1 the i~overabJe Iou of the en~ light of such eye. 1--.,.tIl.I;I:II,.".",,,,,,,..f'i':";,~1I ",~:J:!:I"" ,_.-.;,J:..-.;...~,.. In no event will multiple American Express Canis obligate the Company to pay (or more than oae Lau IUSfllined bv anv one individuaJ Cov~zd Person.u a reRl.It of fUJ.y obeAccident. The Co~p~ys obligation UDderthe Policy vrill he detemriDed accordingto the bigbestamount pa~e under the specific~\merican Expreu Card actually used to charge the Common Carrier Convevance fee for lhe Covered Trip as stated in the Benefit Amounts. . Accidental Death And Dismemberment Benefit The Com:panywill pay the applicable benefit amount as determined frozn the Table ofLo~ if a Covered Person suffers a Lo" from an Injury .....hile covemge ia in foree underthe Poller. but onlv if such Lossoecurs within 100 davsaftetthe date of the Accident which cau&ed the Injwy. Benefits will ~ paid for the greatest Lou. fn no eventwill the Company pay fotlDore than one Loss stJ5tainedbvthe Covered ~rson as the result of anyone Accident. . Descnption Of Benefits- . eo.r.r-r c.n.r -. This Benefit is ~ahJe if the Covered PeJ'SOn 5lUt3ina Injury as a result of an Accident which uccurs while riding solely as ;l. puaenger in,. or boarding. or alighting from or being 9lrUck by a Common Carrier Conveyance for a Covered.1ii.p. ' . AIrpcwt "ft~_ WIa.......... If a Sched.ul.ed.Air:line ticket ill purchased for a Covered nip prior to the Covered Person'.i departUre for the airport. this Benent is payable if the Covered Person sustains any Injur:v while riding as a pUlenger in a land Common Carrier Conveyance or a ~beduled. he.licopter operated as a Common CarrierConveyance. but only-: {at when going directlv to an airport torthe ~ olbouding Q ScheduledAiriine fligbt 00: a . Covered. Thp; or (IN when leaving directly from an airport after alighting from . ScheduJ<dAUfine ~ Otl a c.....d '!tip. . AIrpcwt............... If a Scheduled. Airline ticket is purehued for II Covered Trip prior to boarding. this Benefit is payahle if the Covered Penon oiwWna any Injury ......hile upon any airport premises designated for putenger uae. but only .....hen the Covered Person is upon such premiaes immediately beron! boarding. or immediately after alighting ft.om. a Scheduled Airline llight on a Covered Trip. . ~ and --"'f __ If the Co\<ered Person is unavoidably exposed to the elemenu because of an Accident on a Covered Trip which results in the ~ppearanee. sinking orwrecking olthe Common CanierConveyan~. and if aa a result of wch exposure. the Covered Person suffers a Lo" for.....hich beneiitl are otherwise payable under the Policy. JUch Loss will be'c~ under the Policy. H the Covered Penon disappears because of an Accident on a Covered Trip .....hich results in the diaappearance. ,;inking or wrec~ of the Common Ca.ni.~r Conveyance. anti if the Covered Penon.;; body hal not been found within 52 w~ks after the date of sltch Accident. it will be presumed. subject to there being no evidence to the contra.l'Y. that tht:. Covered fursoR suffered LoSII of life all a result of Injury r.overeti by tht: Policy. - \ ,~.,.....",1 n;.,~"., ,~;!1 \,..,'"11,, :...,,,....1 F",I"......Ii." ",,,I,...h~ D"I:,,,.. .,:I....r. a air ,m J Common C01fTi~rClJnV~~lllu:e '1Il1y .....hen the far~ hil!! bl!1"n t:hlltl~~~ th~ sp...~i1ic .\m,~rican ExpW'lI CU'd. ' Qn..8c..-d ticketing. [n lhl" '~Vl"nt a Cuvl"rr-d P"l"!on sulI~M a Los; nn hrlil.n! 3 -::,'ilt...,,,;c"; \" ;u,,' :;:,.;:;; :'", ":,L"';' ~;." ~".."'. ",;:; "~;,,.c.o ,," :,,,..111 ..." iii;,;Ill.UlIl lhe C"vp.red P~rson has not pUl'Chasetl his or ht:rtitket by char;ingtbe ticltrl to I,m :\.cuerican Exprdls Card prior to hoarding th~ llight. then th~ Company will tevaluuc'e' ..md pay such Lass where it I:ao dt.WJi~h that no (Ich~r (arm /iF pa\'m~nt was uJOed for the flight in qt.1P.Stion. . PNm..... The premium forthis coverage i..s payable b:-o American ExpftsL This Policy do~ not cover::my Lou caused or coruributed to by (1) suicide or inteDlional.;elf"1iestnlction or any attempt then-at. while slIDe:' (Z) war or UI\I' act "' rU war .....hether declan!d or undeciand: however. any act committed. by an .pt of any government, party. or faaron enpged in war. hOItilities. or otherwarlike operations pmvi:ded such agent is acting secredy and not in COODecUon with any operation of armed forces (whethermiliwy. n.~r airfol"Cetl Ln the eountrv . where the Injury 0CCUl1I shall not be deemed. an act of war: (3) Injurv to whid!: a cona;buto~ Clluse ....... the cornmiaion of or attempt to commit;1Q: IDeplOlCt by ot' on behalf of the Covered Person or hiI beneliciaries: (41 Injury received while !!erVirtg at an npe't3tor or crew member of any ~ance; IS Injwy received while driving. riding at a paaenger in. boarding or ;:ilighting from a rental vehi- cle: or feJ sickness. physical ormental infirmity, pregnancy. or any medical or5lJl'" gica117eaanent for luch cunditiona. unlel8"'&eatment of the condition ia required. Q tht:direct~ult.~a ~ Injury. ..._~ '" A Batic Cardmen1her may designate a beneficiary or ~ a previoualy designated beneficiary for himaelflherself and h.iJ or her spouse and children .....ho are not also Basic or Additional Wrdmemhers. AnAdditional Coirdmember may designate a beneiiciary lor him~WhenfeU' and his or her 5poWle and children .....ho are not alsc Buic or Additional Cmimembers or SpoWleS or chi1dren of Buic Cardmernbe-tI. No ~nJ othertb.u1 tbNeJWed above may des~ate or change a previoualy designated beneficiary. For such designation or change to become effective, a written request, on a form. tati.fac- tory to the Company. IIlUStbe filed withAmericaa upresa. Such. des~nor change shall take effect at of the date it wasligned by the d~tf)rprovided that it has been received. by American Expreu.. hut any payment of proceeds aade by the Company priortQ receipt of such designation of change shall fully ~theCompanytotheextentof5Ucbpaymetlt. ' ". Written notice of claim must he given toAMEX AAurance Company, Qaima Adm;";""ti"" Qffi,.. 80 South E;gbth 5""",,, Unit 595. Mioneapo!i.. MN 5544D within 20 days after the occummce OJ' commencement of any Lou eovered. by the Folicy. or a soon the-reaiter a6 js l'5SOnahly pouible.. .:'Jotice given by or on behalf of the claimant to the Companv at ita Administrative Office, or to any alJthorized agent of the Company, with informatioQ sufficitmt to identify tb~ covelred Penon shall he deemed noti~ to the Company. . ....... Of CIIRns.. Benefiti for Lo.. of life of a Covered Penon will be paid to the d.esignated beneliciarv. Benm for all other LolIes sUItained b.,. a Coven,d Person will be paid to the -Covered Person. ifliving, otherwiae to the'desipated beneficiary. If more than one bene:iiciary is designated and the benll6ciaries' respective interesu are not apeciDed. the dl'!lligr"f'M beneticiari. .h.a.U.Jme equally. U no beneficiary hu been designated. or if the demgn.ted beneficiary doe. not survive the Co..ered Penoo. the heneiitl will ~ pAid tD tlw "W"Yiving ~on or equally to the surviving penoDl in the first of the followingclUlell of 5Ucceuive p.refen>Dce beneficiaries in which there is a livingmemher. The Cow:red. Penon'!: (1) spo1Dl!. (2) children. including legall~ adopted chiIdnm. (3) parenu. (4) brothen and slatem,lS) estate, In dete~ such person or persoDL the Company may relyupon an affidavit by a member of any of the cluaet of preference beneticiariell deecrihed above. Payment hued upon any such affidavit shall fully diaclwge the Cua:..pany from. all obllgatioDl under the Pollcy un1eu. before luch payment is made. the Company baa received at iu A.dminisaative Office written notice of a valid claim byamJe ocher pets(m(.). Any amount payable to a minormay be paid to the minor'slegalgua:rdian. TIme Limit a... Actions ,Va action at law (lr'm eqWty:!inaL! be b~t to recove-r under the Policy after the ~.xpiration of three ~ean after the time written proof ofioll is required to be fumish~ ---' _._-~--- The benefits describ~ herein are subject to all of the terms and conditions of the Policy. Th.is Dl"lIcriprioll uf CIJ"'~r:1ge repl~ces iUly prior Cenilic:lIe \~hjch may .have been IUrni:ihed in conn~ction with the POli....:. ~9 (2J. ~4 ~nneth 1. Ciak. Pte~ident :\JIEX .-\s:i"ur:lnl.:e Comp<Jn}' 6713ICR116-93 Tunothv ~tet'han. Secretarv A.\fEX.~sur3nce Comp.m;' 6/97 Natice to F1oriOa ileMiena Only: 7iz.e bent';la of lne- PoiiJ::.. prnl'i.ciina .your C01;~e an gol'emea primarily by lilt! law ola stale nther than FlondD.. Car Rental Loss and Dama!!e Insurance Plan ~ DescriJJtioo ot Co_~e c.r Rental to.. ..0. Oomago lnswance provXIos the Co"",.... Canlmember. ("C.nImembei, if the Canlmember is the "PriDwy Ren..."(u dolioed beIowl. with inlwance coverage for damage to or theft of ID08t .Rental Autoa when the Canimem.bUUIeI the Cud (u described below) to cbuge aDd pay for aD auto n=ntal from any Commeroial Cae Rencal Compaay ("Rental CooJPaDYI MdUn the geographic scope of the United States., ill tetritoriet and ~iona. This cover- .. w EXCESS in.wraDce./In regard to Membenhip Rewarda redemption ~rt:ifi~ cates. coverage is provided only to Rental Autos rented. in the United States.) Who Is Eligible For Coy~ You are eligible for ~ undet-tbe Policy if you are a U.s. Corporate Cardmember ("Cardmemherj. You are a U.s. Corporate Cardmember if (1) you are an American Express Basic or Additional Coardml!lD:1ber and a Corporate Card. Exeeutive Corporate Cud or Gold Corporate Card. (all referred to as the"Cardi i. illUed in YOW' name; and (2) your Corporate Card. account number begins with 37327. 37820, 3'7826. 37834.. or 3i836; and (3) is billedfrom a U.s. Operating Center m. U.s. dollars. "'("..ommercial. Car Renta.l Company" or '"Car Rental Company" meaza.any commercial car I'e!:l.W agency wbich rents Rental Autos. except when used in cozajuactiol2. with the Membezship Rewards redemption cetti6cate. in which case. the parricipatingCar Rental Companiei mean Heru.NlIItional. and Budget only. For-the purposes of this Description of Coverage. ColIlDlercial Car Rental com- p~ meana ;.,Rental. Company," How To Activate Coverage ,.r,.c:.. ~::...:,.;.. ~ fortheftof ordamageto a Rental Auto is activated when. the Cardmember. . presents his or her Card to the Rental. Company to charge the rental. at the time the Rental Auto is chedted. ow:: . declines the Collision Dam.age Waiver or similar option (CDWl. or pays for a pvrial. collision damage waiVI!lt. offered. hy the Rental Com~any; . is the Ptimarv Renter. which is dctined BII the Cardmembetwho is named Oll the writte~ agreement with the Rental Company III the penon renting and t.1Jdng control and poueu.ion oItbe Re.ntalAuto: and . UIe9 the Card to pay for the entire auto rental from the Rental Company at the time of check-in: or a, presenta a Membership Rewanis redemption certiiicate. aad . uses a Membership RI!l'\lfards redl!lIDl'D.OD certificate at a participating Commercial Car Rental Company. Coverage continues in (:ffect while the Cardmember remains in control and poueM1on of the Renta.lAulO. A Cudmember who is disabled and unable to operate the Renw Auto may be the Primary .RemeriI he.l,he is r:he-Cardmemberel1r:ering into the rental tranaactiOD. - Benefiu will"", bepaidif. on the date ofloss 0' '"thedate ofdDimfiJing. any QnIDUIU due on your CorpoMle Card accmuu u unpaUi. for one 0" tnol"!' biJ1ing ~($) or.vour CorportJU Card u cancelled.- A Memhel'!lhip Rewards Memption certificate can only be redeemed by eligihAe Cardmembers. Benefits will. not he paid wben a Membership Rewards redl!llJl.prion ceniiicate haa been transferred to non-eligihle Canimemhers and/or non-cardmemben.. "Doe. not apply to ~_ York State ~idenu. When CoVerage Terminates Coveraw= for then of or damage to the Rental A~to terminates when: . the Rental Cl.lmpaoy re!WDes control of me RenwAuto. or 30 coosecuDVP. days after the Rental ,\'ULO was l:hecked out., whichever is earlier: or . the Policy is cnncdl~. ....,.-.""~,""...""''-''"...~.,,,'.~-, ......" t, ..., _. wr RenL:1.l Lv,;;; Jnd DlImll~ Ituur.u\ce COV~l"!l ..~uihle R~ntal :\uto~ when rf!nted unuer a ....Tinen f.-nwl il~ml:!'nt from a Rental Company for no mo~ than 30 ....on$~uti\"t'. da\',;. Not.: In nn ,.(.~nt .~hall ('Ql'!'rage- bf' prm;idtd ll'hen l~ Cunlm..miwr rfOnts a Rt.'rtUU ..{jUo I",wmd :Wronmutil'~da:,"s Jrom the same RenuU C<HrIptllry. ~ of".Mrhl'r fM.o/iginrJi ~"'TPt'm""tt i.:; I!:'Ctf'ndl'd. "1' a lIt'tt'/t.riltell ~f'ment i.s entered in/n.I)" 'I: IU;'H' l.l;'hidt.' is /"pntt.'d.. !.:..r R<:nul L"ss ;lnd D~ [:-.:lt1,".,l,'''lCe :-=ir:-.bW"Je:;;: c..:..-dm~:::be:'" fo:'" poi~'tIl.;LlC5 for dam~~ to or'Lhett of a Renw ,\utO that the Cuumernber i3 r-equiml to maU. up CO the lesser of: (ll the acroaJ COM 10 I?~ zh~ R~nr.aJ AUlD. 0,.12) the puhWhed Book \.alue or, if nO( available, the purchase invtlice price of the Rental.-\uto aUnw 5alvage and depre..:iation COSts. Of' (3) conun~rcial marice1: value of the Rental. Auto.. derived from an:' uther source. The .:avenge also reimbunel the CanUnem.ber for reuonable r-.barges IthOl&e charges inct1J'1"ed at the clo&est facility that are lIIUIl and CUItomarv in the vicinity in which the Iou or disahleml:nt took place) impoIed by the Ren~ Company, such al towing. .itOrage.loll of Uk 11011 of use meamlou of revenue to it COllunereial We Rental Company due to the 10. or~oftheir vehicle. L. of tlSt: does not include Commercial Car Rf:'Dtal Company adJninima. .... r.e.1_ wloich ,he Rental Compony would not ha>e impoo<d had the CaUmember ~ im COw. orpurial ooIIimon damage waNe,. Car Rental U;6J and Damage lasumncecovm no otbezotype oflcaFore:wDpJe. in ~ event of a collision involvingthe Canfmember. s Rental Auto. damage to .a.oyotherdri"er' j carol' the Injwyofan;.roneor~is not~ ...... nw policvdoes not prol1ide li.a.bility ~ for UnUtsured MOIOI'isu: ~ under arty lVrJrker s Compensation law, Di.sabiiUy bme.fits law orother """"""ed Gov.mmenz PIon.. _Excess.Caverage_ . C. R..... La-.'" o.n.c. l....-.nee. _ EXCESS............. . only...... far R..... Auaa......... in tM u.s.. itI; ~... p- '.. This means that this EXCESS coverage will. reimhwse the Cardmernber' only for Iouesl expenses not covered by plana. such u., the &nt.al Company's Collision Dam.age Waiver or similar option (CDW), partial. collision damage waiver. any pel'5Oaal auto insurance. ~mployer.5 auto inswmce or reim.hursemf:nt plan or other sources of insutanee. When these other p.lan. apply. a Cardmembermustfim seek payment or reimbursement and receive a determination based on the stated terms of such other Plans.. that any such Plans do not provide r-.over3gI!l before this EXCESS coverage will reimburse the Cardmemher. This coverage UI alwayw exceSI of coverage or waivers of damage provided. by the Rental ComparLY. and to any Policy (policies) the Cardmember i! insured under that provide sillillar coverage. When redeeming ~tembeJ'Ship Rewards redemption certificates., coverage i! provided only t,[) Rental Autos rented in the U.S. Vehides Not CoYered Car Rental Loill and Damage insurance does not cover rental. of : . expensi~ calS. which means can with an original manufacturer's supted retail priee 0[$50.000 or more when new: . exotic can "~tIlI ofyearorvalue. including but tlOtlimited to Chevrolet ~ Turora Sup.... Mazda RX-7. Dodge Viper..o. s...Jth. Plymouth Prowlor. Mi,lUbiohi 3000 Gr. N..... 300 zx.J'ljU" XIS. Aaua N5X. M."",j.. SI. SLK.S Coupe and E320 Coupe and Couvmibte. BMW M3. Z3 and 8 Sl!l1ies. Cadillac Allante. all Porsche. Ferrari. Lamhorghini. M.uen.ti. Aaton Martin. Lotua. Bugatti. VectOr. Shelby Cobra. Bentley. Rolls Royce: . trucks. pick-ups. cargo vans. custom vans: . fulJ-sized VallS. including but not limited to Fon:! Econoline or Oub Wagon. Chevy Van or Sponvan. GMC VandlU'Q and Rally. Dodge Ram Vans and Ram Wagon: . vehicles' which have been custOmized or modifiedfroOl the manufacturer's factory specifications except for driver' $ aNiltance equipment for tbe phyoi.,.nycl,.jje~ . vehicles ~ for hireorcommercial'p~ses: . mini-van.!! u,Jed For (;omzn~rr.ial hire: NDIc ~ ,l{uIi.VIIlU (Not Uugo tlf"rni-Vana) with jOctory sp<<ifieduating capacity oft! pcmengen Of' less. including bill not ~ to Dodge Caravon. PlYmouth l1m!i"e,.. Ford W'mdstar nnd Nissan Qunt on ~ 1OM1I m&Ud fo~ penoncJ. ~ business use on.!,v. . antique c:\rs. which means can that a~ jo years uld or have not been manu- facture~"~~, 10 nt mo:: Y"~.:..-_.____,,_._____.__,,_ . limousines: ~ full-sized sp~;;;:;-tility vp.hicl~"i~~i~ili~ b~t not limited to Chevraleu'GMC ~.i~lf?:~i~. :-1 ......:;::..:.;:--':"". ... .~~.. . ~:=~"::~,l ~-;,~,}.,~._...:-._i.i~"::: --:-f ~WlW'tlan. .anue ana IUKUn. IOyola Land LnUser. L,:xWll-\-Iou. tlange RuvI"r ur full-;;ized Furd Broncll: ~~po;J;;c.lirY-;;hi~T~;j;~-driven "ojf";~d;;-'-"--_._-"-"'- Nca: Compoct s~rrlurility t'eJUde!. in.c~ bill /lOt Iimiled 10 Ford E:cplorn: Jeep Grand Orero"-. ,Viuan Pcuhfirukr. ToyoIa FolU' R/J/W!r. Chttrold Blicer and [:;/lZU Troopt'r and Rodeo rut! ~ when drtvm on pw;ed roads; ~d-~:;hicl~ mOlorcycles. mopeds. recreational vehicles. campel'5. trailers and any other vehicle which is not a Rental Auto. Car Rental Lou and Damage Insurance does not cover IONeS caused by or .;ootribured to bv: . operation of the Rental Auto in violation at the terms and conditions of the Rental Company agreement (including but not limited to lotAelJ occuzring when: 3 pel'!lOn not permitted to openlte the vt'hicle pursuant to terms of the rental ~ment was in poaeuioo or control of the vehicle: or. driving the vehicle outside of the authorized rental territory): . leased or mini-leased vehicles . com attributed. to the Commercia! Car Rental Company"s normal course of doing bUAlneu: .intent:iooaJ.~: . illeplactivity; . p~conditions.damageordefect: . being under the iDfluence o{ inlm:icantl or drogs: . war or military activity; . radioactivity: . con&catiOQ by- authority; . wear and teat. including gradual deteriorarion; . damage which iI due and confined to freezing. mechanical orelectricai breakdown or failure unleu such damage results from a theft covered by the Policy-: . tbettaf or damage to tires (tlatsor blowouts), unleu damaged byfue. mali- cious mischief. vandalism. or stolen, unless the lou is coincident with and from the same cause as other 1011 covered by the Policy; . oH-road operation of the vdUcle. C. RentIII ....... ~ l.....-..ce does not COYW, ... beMftIa wit not be .... for. . sal~ tax related to repair o{ damages. unless reimbursement of such sales tax ;.~bybw: . damage to any vebicle other than the Rental AutO: . damage to any property other than the Rental Auto: . the Injury of anyone or anything; . expenses assumed. waived or paid for by the Rental Company or its insurer: . expenses co~ by the Cardmember's personal auto inaurer. employer or employer's insurer. or authorized driver's insurer, . value added tax or similar tax. unless reimbursement of such tax iI required bybw: . any Rental Auto wed for hire or commercial purposes: . depreciation. unleu reimburaement for depreciation ia required by law. How To File-A Claim A Cudmemher m.... notify the c.. Rental Lou ODd ~ CWma UnK toll free at 800--33...1670 in the U.s. onlyorcaU 21~oeo from other Ioc:a- OoDl worldwide. within 48 hours or at lOOn aI reuonably po.ible foUowing a lolL A represenmtive will answer any questions a Cardmembef'may have and will MlDd the Cardmem.ber a claim form with inatructiOIl&. Complete and sign the claim form. Written proa{ o{ Iou. which includes the claim. form and all other requested documentation (listed below). mWlt be received within 60 daya follOW"' ing the date a{ the ~ or theft by: American Express Car Rental Lo. and Damage Qaim5 Unit. do: United rmancial AdjUlting Compauy, P.O. Box 94729. Cleveland. Ohio 44101-4729. -If the proof of"'" and ow.- doaunswui<m.. not _ unthin 60 day> oftiu! dtlU! ".floss. COt/t'~ mav ~ denied. -......-. .- . our signed and completed. claim fonn; . an itemized repair bill: . om original charge receipt: . J police report !if applicable): . photos of the dam~ vehicle. if available: . a I:Opy of the Caromember's. oIuthorized driver's orf'mpl~yer's auto i~ ':o.vl!r~~~.'Jr ~,rlo,~_~"~_J~"~"~"~.~_~_:.~~i_"-~.~~_~::"=-_"".m',, ____ .~~'~p~ ;li: ,.i~"j~ llOl:ument provided uy the Rental (umpany ~how!~---m C,rdmember was respolUibl.:: ~opy ufthe il;ntal Co~pany.; u~<:oltion log~__ ;-:;-~;;Py~'~~jriver's license fJfthe Canimemuerand/or authorized driver. unl~~ the Ilri\'+'r'~ license number~how. on the rental ~"Iftm.:nL: and . a (up:.- of the \~ri~en rental agreement. front anu back. which documents wben the Rental.-\.ulo was (h~keU OUt and (heck.~ in. Note: /fall rl"/lIired Jocunumralion i., nOI receit"ed lrithin. 180 cW..YS oflkt! ~ of loss (.~Ct>pl for dorumt'nuuion u:hidt has lIot bef'n.furni.shnJ for f'P11SOIU IHyond tM CdrdmemfHor:~ comra!), ('Ol't'~ ~ bt' denied. __AreP;Ud AU Cdr Rental Luu and Damage lnsurance paymenu reimbunab1e UDdertbe policy ~ payable to the Cardmember: except that payment may be made. at the d.iscJ?tion of the Insurer. jointly to the Cardmember and the Commen:ial Car Renw Company when the Car Rental Company has oot been reimbunerd (or the covered Iou or damage. or the Cardmember has not validly auigned b.isIher pa~enu to the Rental Company or any other party. Rights Of Recovery In the event of a payment under thia Policy, the lnIwer it eorided to aU the righr.o 01 =overy Ul.t d1e c..dmembe.: to whom ~wu _boo opiDot another. That Cardmemher must: ~ign and deliver to the insurer any legaJ papers relating to that recovery. do whatever else ill necesaary to help the Insurer eJCeI'Ci.se tboae ~ahts and do nothing after Iou to harm the insurer's rights. When a Cmim.emb~orCommercial Car Rental Company hat been paid damages under Policy No. AX0925. and also recovets itom another. the amoUD1 recovered from the other maIl be held. by that. Canimember or CuIDDler'cial. Car Renta! Company in trust for the Insurer and reimbursed to the extent of the Insurer' 5 paymenr. ..\.1 a condirion precedent to coverage. the Canimember is required. and has a duty. to fully cooperate with the Insurer in any legal proceeding by providing copies of any and all legal notices and any and all statements. including sworn swernems and contributing any other papers and documenu to reuonably auiat in the dispo8irion of the legal matter. Additiona1lnfonnatiolY For You . Thl~ Cardmember ta.'eives this coverage at no extra ch~.. a beneiitoi U.s. Cardmembership. The cast is approximately $1.59 of each annual Cardmembership fee. . Thi.s covenage is underwritten by A.J.\tEX ..usurance Company ("Insurer) through insurance Policy A,.'X0925 (the "Policy! iAued to American Expretl Ua'veJ Related Services Company, Ine. and its participating subsidiaries affiliates and licensees. The Policy may be changed or terminated. This Description of Coverage iI an important document. Pleaae keep it in a safe place. .-\lthougb. it describes the present form o( inawance .. it exiabI at the time o( printing. thi8 document is not the Policy or conl1"aCt o{ insurance. The heneful described in this document are subject to all of the terms. conditioDl and exclu- sions of the Policy issued by the underwriter. This document replacet an,. prior Description of Coverage under the Policywbich may have been furnished to the Cardmemher. f--t9~ ~4 Kenneth J. Ciak. President AMEX Aasurance Company 667'HIl-94 (SBSWIM) Umothy Meehan. Secretary AME,XAamrance Company 6/97 Best Value Guarantee _OnIyT.~~c....._...... ......... 0.. ~..._ Best Value Guanmtee ensures that yau pay the lowest price available on covered items purchased eotirelywith your Executive r:r:>~!"!!,,"C'.L.-.:!. How To File A CJ.um Simply use the E.'tecutive Corporate Cud as you normally would. wherever _-\.m.erican Expre!lll' CcuUs are welcome. rr. within 60 days. you see aD ideotical item 10 the item ~"ou purchased with the Executive Corporate Card adverti.ed in print at a lowl"r price than you o~nally paicL call soo.ss7-8317 to initiate vour ('laim. You will then be ;Jsked ta send the lllilted advertisement. the store ~eipt. .lOa ~"our Exel..'utive Corporate Card ra.'ord of r:harge to o.a within 90 days of ~'our purrhalie. .<i Um'" \tlur di.lillll~ ap"nl\",tL \o\,'"U credit till' pril'" djfien.'J1ct' \fl ~"Uu-up ({l ,S;;::;I I rlf"r iU~IlI-un .\ our E.\t'(.uU\ t' Lurponllt" Cart! hillin.~! ~talenwm. ~And ExdUSlOllS rlln:haloe~ mu~( h" nllHk ill lilt' [ uill.d SUltf'~ amI I'hilr<,;.,t! in fulllln ~"lur Ex~..utin' Corpor,ll" C.:m! .1l'l"OUnt. B"l1e1il~ will WIt 1,.. !,i1iJ it till tilt' dale of t,utlrdaim Jilin;.::. ar\> i1nllllllll nll tnur 'E.:WL'llll\"t' Cntl'nnll" C;lnl il,TlIunt is past ;lut' for om.' nr nmr'!' hillin1! ,.~('Jf'I~1 ",. ~'our EXI'l.uti\'!> CUI'1'Or:lIl:" Canl i1r'f'uunt I!' ca:m.'ellm Rl'tuntl~ ar.. Umlterl \0 S \.1100 annuall~. pt'1' EXf.{'tJliv.. Corporale c....ro. 8Cl"tlUnt. An'- item purcha!'e'd from a !'1On" mal a1read~' hll!' an eostahlisht"d lowest price- t!Uanmtf"(' pl'u!!I"3.m ",ill not he (w;ered under Bet<1 \'a.lu~ GUaran\ee. Items Not Covered Animals and living planu.. onl!'4Jf-a~kind itern~ (including antiques. arrv.'ork and furs). limited quantity items.. items that can he purchased with cash only, demonstration items. go~-out-of-business sale itemli. -discontinued" ilerm consumable and pt'rishable goods. jewelry and precious Jtones. services and additional costs (such as installation charges. warranoe;;. 5hipp~. taXes or car rentals). rare and precious coins. stamps. used. rebuilt and refurbished item.&, cellular phones. tickets 01' any kind. travelers checks.. motori%ed vehicles and rheirparts.land and huildings. negotiable instrumenu (such u promis&ory Ge), cash. and its ~-alent. H you have any questions regarding your claim or the Best Value GU8nlDtee program.. pl~ call our CUf.t.oUlef Serrrice De.paronent at 800-557-8311. To American Express Corporate Card Members In The L.S. And Its Territories Bilhng Dispute Procedures NOTIFY US IN CASE OF ERRORS OR QIIESTIONS ABOUT YOUR BIl.L If you think your bill is ,",TOng, or if you need more information about a traJ16ae- tion on ;rour hill write us on a separate shet!t of paper at the address for billing inquiries list.ed 01'1 7'"0\1)' bill. Wri\e tom ..!soon as po9sible. We must hearfrom \IOU no later than 60 da", after we s.ent vou the fim bill on which tht' error or problem appeared.. You" can telephone ~ but doing so....ill not p~~ 'YO\a rights under our procedure. In your letter. give us the following information; . Your name and account number . The dollar amoUDt of the suspected eJTOr . Describ!' the error and explain. if you can. why you helieve there is an error. If you need more information. describe the item,vou are notsure about. If),au have authorized us to pay your American ~ bill automatically from your savings. checking or other account. you can stop tht" payment on an)" amount ~ notifying U& onill:--' or in writing at any time up to three business dayt: before the automatic pa~ent is scheduled to occur, Afterwe recei~ yoW"wnuen notice. we will aclmowl~ore your lett.erwithin 30 daYL unless Wf! have corrected thE' error by then. Within 90 day&. we will either C01TeCt thE' error or explain why we believe the hill was correct. Afterwe receiw ~.our letterwt' \l,ill not try to collect any amount you question or repon you u delinquent. We can continue to bill you fortbe amount you qu~ tion. 100 do not ha,'e to pay any questioned amount while we are investipring. but you an' still ob~crated to~' the pa:ru of ~'Our bill that are not in question. If-wefmd that we made II. mistake on your bill you will not hllVe to~' any delinquency fees ~lated to any questioned amount.lf we didn't make a miIt:ake. you may have \n pay delinquenC)-' r~ and you will h8\'t" to make up any miMed payment!'. on the questioned amounLIn either cue. we will send you a state- ment of the amount ,'Ou owe and the date that i.t is due. If you fail to pay the amount thaI we think ~.ou owe. .....e~. ~pott you as delinquent. Howt"\.er. if our explanation does not satisfy 7'"Ou and you writt" to us 'Nithin tt"Il days telling us that you still refuse 10 pa~'. we ",ill tell anyont".....e ~pon you to that you h8\.e a question aboul your hilL And. we will tell you the name of anyone we reponed you to. 'Ui> \lill tell anyone we report you to that the matter hal' heen settled ht"tWet!n us when it 5n.allY ll.. If ~ don.t foUo\..theserul~ we will n~t collect tht' first S50 of the ques- tioned amount. even if yOW' bill is correct. Speaal Rule For Card PurctIa!ies If you have Ii problem with the ~~ of property or services that)'ou purehued \\ith a crt"dit or (llar;~ card. and you ha\'c' trit'd in good faith to f'Om"C1 tilt' prob. lem ".,;th the merchant. you ma~' nOI futve to pay the remainin; amount due on propem' or aeT'\iN'f, There are two limitations to thi~: a) You ~ust have' made the purchal'e in ~'()ur horn!:' ~t.ate. or if' not within your home state. \lithin 10{J mile~ nt'yc1ur culTent mailing addrt-s~: and bl The purchast' prj('t' must have' hf'en moT'!' than $.50. lr.e&~ limit.atiull~ do not apph il w.. "WIl or f1pf~rall'" till' merl"llimt. or if ....,' mai.led you the advertisement for the property otlemcea. _fwOhio_ The Ohio laws against ditcriminatioD require that all creditol'l make credit equally available w all creditworthy cuatomm.. and that credit reponing ageD'" cies maintain separate credit histOries on each individual upon requM. The Ohio Civil Righu Commialion administen COUlplianoe with thit law. '- Customer Service Page 1 of 3 800-521-6121 (24 hours!7 days) www.americanexpress.com To avoid additional Finance Charges (except on Cash) pay the New Amount enclosed Balance by the closing r:- I date of your next L! ~ statement. ~~ Check here jf address or telephone number has changed. Note changes on reverse side. " 4 DUPLICATE COPY Small Business Services The Corporate Optimal>> Platinum Cardl>> Account PreparedFOI" TOD SHEDLOSKY Closing Date Account NllJT"ber May 16, 2001 3715-416506-61006 Account Summary Previous Balance $ 47,440.5911 New Charges/Adjustments $ inc. Flnan::e Charge,if any Minimum Amount Due $ Payment Activity $ 00011 New Balance $ =48,333.881 +893.2911 1.964.00 Your account is past due. Please pay the past due amount immediately. Credit Line Summary on May 16, 2001 Total Credit Une$ 50,000.00 Available Credit Line $ 1,666,12 Cash Advance Limit $ 10,000.00 Available Cash Limit $ 1,666,12 Payments Total of Payment Activity Amount $ 0.00 New Activity Transactions for TOO SHEDLOSKY Card 3715-416506-61006 Amount $ May 16, 2001 Finance Charge May 16, 2001 Late Payment Fee Refererce: 320011360750001080 Total of New Activity 864.29 29.00 893.29 . Please fok:! on the perforation below, detach aOO return with your payment + Continued on reverse t=:) Payment Due Date: June 10, 2001 Payment Coupon Account Number 3715-416506-61006 TOD SHEDLOSKY MICROEAZ COM 6346 N POWDERHORN RD MECHANICSBURG PA PA 17050 Minimum Amount Due $1,964.00 1",111",111""1,1,11",1,,1,,,11,11,10,1,1,,1,,1,11.10,,111 Mail Payment to: AMERICAN EXPRESS SU ITE 0002 CHICAGO IL 60679-0002 1,11"11""11"1",11,1"11,,,11,,,11,,,,,1,11,1,,1,1,,"I,ll 0000371541650661006 004833388000196400 14 rl Payment Due Date June 10, 2001 Minimum Amount Due Includes: Past due amount $99700 This month's amount due $967.00 Please refer to page 3 for important information regarding your account Please enter account number on all checks and correspondence. Make check payable to American Express. o DUPLICATE COPY Prepared For TOO SHEDLOSKY _,m N"",", Page 3 of 3 3715-416506-61006 Small Business CI~i",O... Services May 16, 2001 Payments: Payments received atter 12:00 noon or on weekends or hOlidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank), If you are not paying electronically or by chone, please submit your payment in the enclosed envelope with the remitfance stub attached ana account number indicated on the check. prease do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. If your check is returned unpaid by your bank for insufficient funds, we may re-present your checK electronically. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your paper statementl..or click on the Customer SelVice link online. Outside the U.S. contact the nearest American Express Travel SelVice Omce or call any local American Express office. Finance Charges: We use the average daily balance (including new Purchases) method to compute the balance subject to the FINANCE CHARGE as follows: 1 Take the beginning balances for Purchases (including new Purchases, the annual fe~ if any, and other fees) and Cash Advances, respectively, each day, add any accrued but unpaid FINANCE CHARG~S and debits applied against Purchases (excluding insurance premiums and Express Cash fees) or Cash Advances that day.; Subtract any payments received that day and any credits applied to Purchases and Cash Advances, respectively, that day. The result is the daily balance for Purchases and Casn Advances, respectively, for that day; Add upthe daily balances of Purchases and Cash Advances, respegtively, for each day in the billing ~ri~d; Divide each sum by the number of da~ in the billing. period. The quotients are the Average Dally Balance for Purchases(ADBP) and Average Daiiy Balance for Cash Advances(ADBC), respectively. The ADBP will be considered to be zero if you paid the closing balance on Purchases, if any, shown on your previous month's statement by the payment due date on that statement. To calcuiate total FINANCE CHARGES for the biUing ~riod, we multiply the Daily Periodic Rate (DPR) for Purchases by the ADBP and multiply the DPR for Cash Advances the ADBC and- multiply the respective resulting numbers I?Y. the number of days in the billing cycle. Each DPR is 11365 of the respective APR. The FINANCE CHARGES derived from the ADBP and ADBC are calcuiated separately and are added together to produce the totai FINANCE CHARGE. Unless otherwise disclosed, Balance Transfers are treated as Purchases lor calculating FINANCE CHARGES. Minimum Finance Charge: SO.50. APR Inlonnation: The APAs and DPRs (which appear elsewhere on this statement) may va/y based upon the applicable Prime Rate (PR). The PR is listed in Tho Wall Street Journal on the 15th day (or preceijing business day) of the prior month. If a promotional rate is in effect, that rate will apply according to the terms disclosed to you when you were offered the promotional opportunity, as provided in your account agreement. Fees: For each Cash Advance through Express Cash, 3% of each withdrawal, with a minimum fee of $3.00 and no maximum fee. Late, Overlimit, and Returned Payment Fee: the greater of $30 or 2.99% of the delinquent balance, as per aPRlicable law. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by calling 1-800-CASH-NOW or write to us at the Funds Access Services address indicated on your paper statement, or click on tne Customer SalVice link online as soon as you can, if you think your statement or receipt IS wrong, or if you need more information about a transfer or the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. TeU.us your name and Account number; 2. Provide the dollar amount of the suspected error. 3. Describe why you believe there IS an error or why you need the information. We will investigate your comPlaint and will correct any error promptly. If we take more than 1 0 oosiness days to do this, we will credit your account for the amount you think is in error, so thatyou will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Centurion Bank. 2 3 4 Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Service and Lost or Stolen Card 1-800-521.6121 (24 hours, toil free) International Collect: 623-492-7719 Addresses Customer SelVice PO Box 7863 FL Lauderdale, FL 33329-7863 Express Cash Operations P.O. Box 27084 Greensboro, NC 27425 Payments SUITE 0002 CHICAGO IL 60679-0002 DUPLICATE COPY , Customer Service Page 1 of 6 800-521-6121 (24 hours i7 days) www.americanexpress.com Prepared For TOO SHEDLOSKY The Corporate Optima'" Platinum Card'" Account Clo6ing Date Account Number June 17, 2001 3715-416506-61006 Account Summary Previous Balance $ 48,333.8811 Payment Activity $ New Charges/Adjustments $ inc. Finance Chwge,d any New Balarce $ -48,295.151 -1,000.0011 -+961.2711 Minimum Amount Due $ 1.93000 * Indicates posting date. Your account is past due. Please pay the past due amount immediately. Credit Line Summary on June 17, 2001 Total Credo Une$ 50,000.00 Available Credit Une$ 1,704.85 Cash Advance Umit$ 10,000.00 Available Cash Umo$ 1,704.85 Payments May 24, 2001 * . payment Receiwd -Thank You Ref6l'fitPii,::32C01;1~1i4COi Total 0' Payment Activity Amount$; -1,000.00 -1.000.00 Payment Due Date July 12. 2001 Minimum Amount Due includes: Past due amount $964.00 This month's amount due $966.00 Please refer to page 3 for important information regarding your account New Activity Transactions for TOD SHEDLOSKY Card 3715-416500-610CEl June 1, 2001* TRANSACTION PROCESSED BY AMERICAN EXPRESS Aetefeooe: 32001152ro07582010 Amount $ 29.00 June 17, 2001 Finance Charge 903.27 Payment Coupon Account Number 3715-416506-61006 Continued on reverse t:=:) Payment Due Date: July 12, 2001 . Please told on the perloration l:.oelow", deta:h ard return with yOllr payment + TOO SHEDLOSKY MICROEAZ COM 6346 N POWDERHORN RD MECHANICSBURG PA PA 17050 1."111",111.",1,1,11".1"1,,,11,11,,,,1,1,,1,,1,11.",,111 Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 Minimum Amount Due $1.930.00 Please enter account number on all checks and correspondence. Make check payable to American Express. To avoid additional Finance Charges (except on Cash) pay the New Amount enclosed Balance by the closing I:-~ date of your next L! _-------.J statement. -- Check here if address or telephone number has changed. Note changes on reverse side. 1,11"11,,,,11,,1,,,11.1,,11,.,11,,,11,,,,,1,11,1,,1,1,,,,1,II 0000371541650661006 004829515000193000 14 rl D DUPLICATE COpy . -~ -- EXP.RESS TOO SHEDLOSKY 3715-416506-61006 , Small Business Cloo;", o~. Services June 17, 2001 Payments: Payments received after 12:00 noon or an weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Pfease do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. If your check is returned unpaid by your bank for insufficient funds, we may re-present your checK electronically lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your paper statement,..or click on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service OTTice or call any local American Express office. Finance Charges: We use the average daily balance (including new Purchases) method to compute the balance subject to the FINANCE CHARGE as follows: 1 Take the beginning balances for Purchases (including new Purchases, the annual fe~ if any, and other fees) and Cash Advances, respectively, each day, add an~accru9d but unpaid FINANCE CHARGtS and debits applied against Purchases (excluding insurance premiums and Express Cash fees) or Cash Advances that daY'; 2 Subtract any payments received that day and any credits applied to Purchases and Cash Advances, respectively, that day. The result is the daily balance for Purchases and Cash Advances respectively, for that day; 3 Add upthedaily balances of Purchases and Cash Advances, respectively, lor each day in the billing ~riod; 4 Divide each sum by the number of days in the billing period. The quotients are the Average Daily Balance for PurchasesfADBP) and Average Daiiy Balance for Cash Advances(ADBC), respectively. The ADBP will be considered to be zero if you paid the closing balance on Purchases, if any, shown on your previous month's statement by the payment due date on thatstatement. To calculate total FINANCE CHARGES for the billing period, we muliiply the Daily Periodic Rate (DPR) for Purchases by the ADBP and multiply the DPR for Cash Advances by the ADBC and multiply the respective resulting numbers by the number of days in the billing cycle. Each DPR is 11365th ofthe respective APR. The FINANCE CHARGES derived from the ADBP and ADBC are calculated separately and are added together to produce the total FINANCE CHARGE. Unless othelWise disclosed, Balance Transfers are treated as Purchases lor calculating FINANCE CHARGES. Minimum Finance Charge: SO.50. APA Information: The APRs and DPRs (which appear elsewhere on this statement) may vary_ based upon the applicable Prime Rate (PRl. The PR used to determine the APR is the higher of the PRs fisted in The Wall Street JOurnsJ on the 1st or 20th day (or if such date is not a business day, the next business day) of the prior month. If a promotional rate is in effect, that rate will apply according to the terms disclosed to you wflen you were offered the promotional oppotunity, as provided in your account ~reement. Fees: For each Cash Advance through Express Cash, 3% of each withdrawal with a minimum fee of $3.00 and no maximum fee. Late, Overlimit, and Returned Payment Fee: the greater of $30 or 2.9S01o of the delinquent balance, as per applicable law. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by calling 1-BOQ-CASH-NOW or write to us at the Funds Access Services address indicated on your paper statement, or cliCk on tlie Customer Service link online as soon as you can, if you think your statement or receipt IS wrong, or if you need more information about a transfer or the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. TeU-us your name and Account number; 2. Provide the dollar amount of the suspected error' 3. Describe why you believe there IS an error or why you need the information. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you thin!t is in error, so that you will have use of the money during the lime it takes us to compete our investigation. Creditor: American Express Centurion Bank. Page 3 of6 Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Service and Lost or Stolen Card 1 -800-521-6121 (24 hours, toll free) International Collect: 623-492-7719 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Express Cash Operations P.O. Box 27084 Greensboro, NC 27425 Payments SUITE 0002 CHICAGO IL 60679-0002 DUPLICATE COPY .E"ICAN E)i(P.f;lESS , Small Business Services .'."'."'~. _ ~r''; tit. _ \. ) ,"1 O/JiriiIlC..z<1f Dmr"CnliNLiII, Prepared For TaD SHEDLOSKY CklsingDate June 17, 2001 3715-416506-61N006 Page 5 of 6 Just call American Express Travel at 1-800-732-1993, your travel agent or visit www. disneycruise.com for more information on these great Fall Fantasy rates aboard Disney Cruise Una. Be sure to ask for booking code FFO. Ships' Registry: The Bahamas. (CE 101138) CustomExtras- ~ Fall Savings on Disney Cruise Une A magical new way to vacation with Disney awaits you at sea with spectacular entertainment, innovative programming and Disney's legendary service. It's a vacation everyone in the family thinks is just for them. Choose between a 7-night Caribbean cruise to St. Maarten and St. Thomas or a 7-ni~ht Land and Sea Walt Disney World/ Disney Cruise Line Vacation to The Bahamas. No matter which you choose, you'll enjoy Disney's private island paradise, Castaway Cay. Use the American Express@ Card and receive White Glove Treatment. Offer ends 7/31/01. Save up to 35% at NEBS NEBS offers thousands of personalized products, including checks, forms, labels, clothing and promotional products. Use the American Express@ Corporate Card for Small Business and save 35% when you order a NEBS personalized product for the first time and receive 10% off on product re-orders. Use promotional code 55735. ISiii1 Offer ends 12/31/01. Ofter not valid in conjunction with any other offer or promotion. Online or Phone Line, Pay Your Bill In No Time With Pay By Computer and Pay By Phone, you can pay your American Express@ bill every month just by logging on or dialing up. To Pay By Computer visit www.amerlcanexpress.com/ . smallbuslness, or to Pay By Phone, call1-800-I-PAY-AXP (1-800-472-9297). It's fee-free and when you sign up for either . Cards payment system, you are automatically enrolled in the other. Just decide how much to withdraw from your enrolled checking account and allow up to two days to have payments posted to your account. It's safe, secure, and ready whenever you are. So sign up now! Save 10 - 20% at FedEx Express@ Save 10% off Fed Ex Express@ U.S. domestic shipping services and 20% off FedEx Express International Priority@. Your savings are automatic and setting up a FedEx account or having your FedEx account linked to your American Express@ Corporate Card for Small Business is easy. FecEx.. Express Savings are off the published rate and cannot be combined with any other offer. Savings apply to transportation charges only, not to special handling fees, surcharges, and other charges, including duties or taxes. This discount is not provided on FedEx SameDaye and some international services. Rates are subject to Change without notice. Rates are not available to package consolidators. Visit www.american express. com/everyday savings for more information. (CE 101244) Log on to www. americanexpress.com and sign up for Pay Br Computer. Or dia up 1-800-I-PAY-AXP (1-800-472.9297) and enroll in Pay By Phone. (CE 1 01282) Visit www.american express.com/evetyday savings for more information. (CE 101243) Save 2% at Mobil@ and Now Exxon@ Too! Exxon joins Mobil in our Everyday Savings program for Small Business Corporate Cardmembers. Save an automatic 2% on automotive gasoline. Just pump, pay with the American Express@ . Corporate Card for Small Business, and go. There are no coupons to clip or codes to mention -- your savings will appear on your monthly . Cards billing statement. Payment must be made with the American Express Corporate Card for Small Business. Account must be in good standing at time of purchase. Valid at participating locations. Not valid on diesel fuel. Not valid on Corporate Cards issued outside of the United States. Visit www.american express.com/everyday savings for more information. (CE 101242) DUPLICATE COpy ..RICAN RESS ~ Small Business Services Customer Service Page 1 of 3 800-521-6121 (24 hours 17 days) www.americanexpress.com The Corporate Optima'" Platinum Card'" Account Prepared For TOO SHEDLOSKY ClooirgDate AccountNlJ11ber July 16, 2001 3715-416506-61006 -_.----,..._-~_._-_._~~-- Your account is past due. Please pay the past due amount immediately. Credit Line Summary Total Credit Available Credit Cash Advance on July 16, 2001 Line $ Line $ Limit $ 50,000.00 747.17 10,000.00 Payment Due Date August 10, 2001 Minimum Amount Due includes: Past due amount $1,930.00 This month's amount due $985.00 Please refer to page 3 for important information regarding your account Account Summary +957.6811 New 6aIaooe $ =49,252.83\ Minimum Amount OU8 $ Previous Balance $ 48,295.1511 Payment Activity $ 0.0011 New Charges/Adjustments $ Inc:. Finance Charge,if afIY 2.915.00 Available Cash Limit $ 747.17 Payments Total of Payment Activity Amount $ 0.00 New Activity Transactions for TOD SHEDLOSKY Card 3715-4165Q6.610Q6 ---_.~----------~ A/nOunt$ July 16. 2001 Finance Charge July 16. 2001 Late Payment Fee Reference: 32001197075COO208B Total of New Activity 928.68 29.00 957.68 Payment Coupon Account Number 3715-416506-61006 Continued on reverse t:=> Payment Due Date: August 10. 2001 Please enter account number on all checks and correspondence. Make check payable to American Express. + Please tot! on the per1ora~on belO'N, detooh and return with your payment , TOO SHEOLOSKY MICROEAZ COM 6346 N POWDERHORN RD MECHANICSBURG PA PA 17050 Minimum Amount Due $2,915.00 Mail Payment to: AMERICAN EXPRESS SU ITE 0002 CHICAGO IL 60679-0002 To avoid additional Finance Charges (except on Cash) pay the New Amount enclosed Balance by the closing l l date oi your next $ _ statement. Check here if address or telephone number has changed. Note change. on reverse side. 1",11"..111""1,',11"".,1,.,11,11",,1,1,,1.,1,11,,",III [J 1.11"11""11"1".11,1,,11,..11,,,11.,,,,1,11,1,,1,1,,,,I,ll 0000371541650661006 004925283000291500 14 rl DUPLICATE COPY Prepared For TOO SHEDLOSKY Account Nl.W'T1ber Page 3 of 3 3715-416506-61006 SmaU Business COo,,,,, 0'" Services July 16, 2001 Payments: Payments received after 12;00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank). If you are not paying electronically or t?Y !?hone, please submit your payment in the enclosed envelope witt! the remittance stub attached and account number Indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. If your check is returned unpaid by your bank for insufficient fundst we may fe-present your cheal( electronically. Lost or Stolen Card: If the Card is lost or stolen, in the U.S.lmmediatelyteleOhone us at the number indicated on your gaper statement1ror click on the Customer Service link online. Outside tlie U.S. contact the nearest American Express Travel SelVice Omce or call any local American Express office. Finance Charges: We use the average daily balance (including new Purchases) method to compute the balance subjecttothe FINANCE CHARGE as follows: 1 Take the beginning balances for Purchases Oncluding new Purchases, the annual fe~ if any, and other fees) and Cash Advances, respectively, each day, add an~accrued but unpaid FINANCE CHARG~S and debits applied against Purchases (excluding insurance premiums and Express Cash fees) or Cash Advances that day; 2 Subtract any payments received that day and any credits applied to Purchases and Cash Advances, respectively, that day. The resuh is the daily balance for Purchases and Casfl Advances respectively, for that day; 3 Add upthe daily balances of Purchases and Cash Advances, respegively, tor each day in the billing p!!:riod; 4 Divide each sum by the number of days in the billin~ period. The quotients are the Average Daily Balance for Purchases(ADBP) and Average Daily Balance for Cash Advances(ADBC), respectiveiy. The ADBP will be considered to be zero if you paid the closing balance on Purchases, if any, shown on your previous month's statement by the payment due date on thatstatement. To calculate total FINANCE CHARGES for the billing ~riod, we mu~lpty the Daiiy Periodic Rate (DPR) for Purchases by the ADBP and multiply the DPR for Cash Advances the ADBC and multiPly the resooct:ive resulting numbers by the number of days in the billing cycle. Each DPR is 11365 of the respective APR. The FiNANCE CHARGES derived from the ADBP ana ADBC are calculated separately and are added together to produce the total FINANCE CHARGE. Unless otherwise disclosed, Balance Transfers are treated as Purchases lor calculating FINANCE CHARGES. Minimum Finance Charge: SO.50. APR Infonnatlon: The APRs and DPRs (which ap~ar elsewhere on this statement) may vary based upon the ~plicable Prime Rate (PRt The PR used to determine the APR is the higher of the PRs fisted in The Wall Street JourneJ on the 1st or 20th day (or if such date is not a business day, tlia next business day) of the prior month. If a promotional rate is in effect, that rate will apply according to the terms disclosed to you when you were offered the promotional oppotunity, as provided in your account a~reement. Fees: For each Cash Advance through Express Cash, 3% of each withdrawal with a minimum fee of $3.00 and no maximum fee. Late, Overlimit, and Returned Payment Fee: the greater of $30 or 2.99'% of the delinquent balance, as per ~icable law. In Case of ElTOrs or Questions About Your Electronic Transfers: Please contact us by calling 1-800-CASH-NOW or write to us at the Funds Access Services address indicated on your paper statement, or click on tlie Customer SelVice link online as soon as you can, if you think your statement or receipt IS wrong, or jf you need more information about a transfer or the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell-us your name and Account number; 2. Provide the dollar amount of the suspected error' 3. Describe why you believe there IS an error or why you need the information. We will investigate your complaint and will correct any error promptly. If we take more than 1 0 I:)usiness days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Centurion Bank. . Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Service and Lost or Stolen Card 1-800-52H3121 (24 hours, toll free) International Collect: 623-492-7719 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Express Cash Operations P.O. Box 27084 Greensboro, NC 27425 Payments SUITE 0002 CHICAGO iL 60679-0002 DUPLICATE COpy .., EXP.RE 5 , Small Business Services Customer Service Page 1 of 3 800-521-6121 (24 hours!7 days) www.americanexpress.com The Corporate Optima'" Platinum Card'" Account Prepared F01 TOO SHEDLOSKY Closirg Dale Account Nt..mber August 16,2001 3715-416506-61006 Account Summary Previoo..ls Balance $ 49,252.8311 PaymenfActivity$ -5,000.0011 New ChalgeslAdjuslments $ irc.FinanceCharge,ifany +1,009.7911 New Balance $ =45,262.621 Minimum Amount Due $ 905.00 Payment Due Date September 10, 2001 * Indicates posting date. Please refer to page 3 for important information regarding your account Credit Line Summary on August 16, 2001 Total Credit Line $ 50,000.00 Available Credit Line $ 4,737.38 Cash Advance Limit $ 10,000.00 Available Cash Limit $ 4,737.38 Payments August 1&,2001" Payment Received - Thank You Reference~$20012'28044:33:11b80 Total of Payment Activity Amount~ -5,000.00 -5,000.00 Hew Activity Transactions for TOD SHEDLOSKY Card 3715-416506-61006 AmOunt $ August 16, 2001 Rnance Charge Total of Hew Activity 1,009.79 1,009.79 Payment Coupon Account Number 3715-416506-61006 ContInued on reverse t==> Payment Due Date: September 10, 2001 Please enter account number on all checks and correspondence. + Please told on IheperfOfation below. deixh and return with your payment + Make check payable to American Express. TOO SHEDLOSKY MICROEAZ COM 6346 N POWDERHORN RD MECHANICSBURG PA PA 17050 Minimum Amount Due $905.00 1",111",/11""1,1,11",1"1,,,11,11,,,,1,1,,1,,1,11,""III To avoid additional Finance Charges (except on Cash) pay the New Amount enclosed Balance by the due date of I: -, your next statement. l! ~ Check here if address or -- telephone number has changed. Note changes on reverse side. Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 o 1,11"11""11"1",11,1"11,,,11,,,11,,,,.1,11,1,,1,1",,1,/1 0000371541650661006 004526262000090500 14 ri DUPLICATE COPY Prepared For TOO SHEDLOSKY Account Number Page 3 of 3 3715-416506-61006 Small Business CI",ooO... Services August 16, 2001 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank), If you are not paying electronically or I?v phone, please submit your payment in the enclosed envelope with. the remittance stub attactied ana account number Indicated on the check. Pfease dO not send post-dated checks. They wIll be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. If your check is returned unpaid by your bank fer insufficient funds~ we may re-present your check electronically. Lost or Stolen Card: (f the Card is lost or stolen, in the U.S. Immediately teleOhone us at the number indicated on your Raper stateme~!h.,or click on the Customer Service link online. Outside tlie U.S. contact the nearest American Express Travel Service umce or call any local American EXPress office. Finance Charges: We use the average daily balance (including new Purchases) method to compute the balance subject to the FINANCE CHARGE as follows: 1 Take the beginning balances for Purchases (including new Purchases, the annual fe~ if any, and other fees) and Cash Advances, respectively, each day, add any accrued but unpaid FINANCE CHARG~S and debits applied against Purchases (excluding insurance premiums and Express Cash fees) or Cash Advances that day:; Subtract any payments received that day and any credits applieCl to Purchases and Cash Advances, respectively, that day. The result is the daily balance for Purchases and Casfl Advances respectively:, for that day; Add upthe daily balances of Purchases and Cash Advances, respeQtively, ior each day in the billing ~riod; Divide each sum by the number of days in the billin~ period. The quotients are the Average Daily Balance for Purchases{ADBP) and Average Daily Balance for Cash Advances(ADBC), respectively. The ADBP will be considerecf to be zero if you paid the closing balance on Purchases, if any, shown on your previous month's statement by-the payment due date on that statement. To calculate total FINANCE CHARGES for the billing period, we multiply the Daily Periodic Rate (DPRl for Purchases by the ADBP and multiply the DPR for Cash Advances by the ADBC and multioly the respective resulling numbers by the number of da~ in the billing cycle. Each DPR is 11365lh of the respective AF'R. The FINANCE CHARGES derived from the ADBP and ADBC are caJculated separately and are added together to produce the total FINANCE CHARGE. Unless otherwise disclosed, Balance Transfers are treated as Purchases for calculating FINANCE CHARGES. Minimum Finance Charge: SO.50. APR Intonnatlon: The APRs and DPRs (which appear elsewhere on this statement) may vary based upon the applicable Prime Rate (PRl. The PR used to dete""ine the APR is the higher of the PRs listed in The. WoJl SI,..t JOurnal on the 1st or 20th day (or if such date is not a business day, tlie next business day) of the pnor month. If a promotional rate is in effect, that rate will apply according to the terms disclosed to you wfien you were offered the promotional oPP9tunity, as provided in your account agreement. Fees: For each Cash Advance through Express Cash, 3% of each withdrawal with a minimum fee of $3.00 and no maximum fee. Late, Overlimit, and Returned Payment Fee: the greater of $30 or 2.99% of the delinquent balance, as per aPRjicable law. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by calling 1-aOO-CASH-NOW or write to us at the Funds Access Services address indicated on your paper statement, or click on tne Customer Service link online as soon as you can, if you think yqur statement or receipt IS wrong, or if you need more information about a transfer or the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the prqbfem or error appeared. When contacting us: 1. Tell-us your name and Account number; 2. Provide the dollar amount of the suspected error' 3. Describe why you believe there IS an error or why you need the information. We will investigate your comPlaint and will correct any error promptly. If we take more than 10 oosiness days to do this, we will credit your account for the amount you think is in error, so thatyou will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Centurion Bank. 2 3 4 Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Service and Lost or Stolen Card 1-800-521-6121 (24 hours, toll free) International Collect: 623-492-7719 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Express Cash Operations PO. Box 27084 Greensboro, NC 27425 Payments SUITE 0002 CHICAGO IL 60679-0002 DUPLICATE COpy ..'CAN FlESS . Small Business Services Customer Service Page 1 of 6 800-521-6121 (24 hours /7 days) www.ameI.icane~press.com The Corporate Optima@ Platinum Card@ Account Prepare::lFor TOO SHEDLOSKY CI05ingDate AocolIntNlJl1ber September 17, 2001 3715-416506-61006 +990.3511 New-BaIarce$ =46,252.971 Minimum Amount Due $ Payment Due Date October 12, 2001 Minimum Amount Due includes: Past due amount $905.00 This month's amount due $925.00 Please refer to page 3 for important information regarding your account Account Summary 0.0011 New ChargesJAdju6tments $ Inc. Finance Chalge,it any 1.830.00 PrevioUl.8aIarce$ 45,262.6211 Payment Activity $ Your account is past due. Please pay the past due amount immediately. ~~----,------ Please note, your credit limit is $47,600.00 and your cash limit is $200.00. Credit Line Summary on September 17, 2001 Total Credit Line $ 47,600.00 Available Credit Une$ 1,347.03 Cash Advance Umil$ 200.00 Available Cash Limtt$ 200.00 Payments Total of Payment Activity Amount$ 0.00 New Activity Transactions for TOO SHEDLOSKY Card 3715-416506-61CO'l Amount $ 961.35 September 17, 2001 Rnance Charge September 17, 2001 Late Payment Fee Reference: 32001260075OOO25OB Total of New Activity 29.00 990.35 + Please fold on tile perforation below, deta:lh ard return w~h your payment . Continued on reverse t=> Payment Coupon Account Number 3715-416506-61006 Payment Due Dale: October 12, 2001 Please enter account number on all checks and correspondence. Make check payable to American Express. TOO SHEDLOSKY MICROEAZ COM 6346 N POWDERHORN RD MECHANICSBURG PA PA 17050 Minimum Amount Due $1,830.00 Mail Payment to: AMERICAN EXPRESS SU ITE 0002 CHICAGO IL 60679-0002 To avoid additional Finance Charges (except on Cash) pay the New Amount enclosed Balance by the closing r: "l date ot your next ~ statement. ~ Check here if address or telephone number has changed. Note changes on reverse side. 1",111".111""1,1,11",1"1,,,11,11,,,,1,1,,1,,1,11,""III [J 1,1/"11""11"1",1/,1"11",11",11,,,,,1,11,1,,1,1,,,,I,ll 0000371541650661006 004625297000183000 14 rl I~ p",p",,,, ,,, Aocoool N~be, Page 3 of 6 ~ TOO SHEDLOSKY 3715-416506-61006 . Small Business Co,;oo 0... Services September 17, 2001 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remjtfance stub attached ana account number indicated on the check. Pfease dO not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. If your check is returned unpaid bv your bank for insufficient funds~ we may re-present your checl(electronically. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. Immediately teleohone us at the number indicated on your paper statementJror click on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service Omce or call any local American El<P!'"BSS office. Finance Charges: We use the average daily balance (including new Purchases) method to compute the balance subject 10 Ihe FINANCE CHARGE as follows: 1 Take the beginning balances for Purchases (including new Purchases, the annual fe~ if any, and other fees) and Cash Advances, respectively, each day, add any accrued but unpaid FINANCE CHARGI:.S and debits applied against International Collect: Purchases (excluding insurance premiums and Express Cash tees) or Cash Advances that da):; 623.492-7719 Subtract any payments received that day and any credits appliea to Purchases and Cash Advances, respectively, that day. The result is the daily balance for Purchases and Cash Advances respectively, for that day; Add uplhe daily balances of Purchases and.Cash Arn.:ances, respegively, tOr each day in the billing ~riod; DiVide each sum by the number of da~ In the bilh~ penod. The quotients are the Average Dally Balance for Purcl1asesfADBPj and Average Daily Balance for Cash Advances(ADBC), respectively. The ADBP will be considered to be zero if you paid the closing balance on Purchases, if any. shown on your previous month's statement by the payment due date on that statement. To calculate tolal FINANCE CHARGES lor the billing iriod. we multiply the Daily Periodic Rate (DPR) for Purchases by the ADBP and multiply the DPR for Cash Advances the ADBC and multiQly the respective resulting numbers bv the number 01 days in the billing cycle. Each DPR is 1/365 ofthe respective APR. The FINANCE CHARGES derivedlrom the ADBP and ADBC are calculated separately and are added together to produce thelotal FINANCE CHARGE. Unless otherwise disclosed, Balance Transfers are treated as Purchases lor calculating FINANCE CHARGES. Minimum Finance Charge: $0.50. APR Information: The APRs and DPAs (which ~ar elsewhere on this statement) may vary based upon the applicable Prime Rate (PR). The PR used to determine the APR is the higher of the PRs fisted in The Wall Street JOufMi on the 1st or 20th day (or if such date is not a business day, the next business day) of the prior month. If a promotional rate is in effect, that rate will apply according to the terms disclosed to you wtlen you were offered the promotional oppotunity, as provided in your account a~reement. Fees: For each Cash Advance through Express Cash, 3% of each withdrawal, with a minimum fee of $3.00 and no maximum fee. Late, Overlimit, and Returned Payment Fee: the greater of $30 or 2.99% of the delinquent balance, as per applicable law. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by calling 1-BOO-CASH-NOW or write to us at the Funds Access Services address indicated on your paper statement, or click on tlie Customer Service link online as soon as you can, if you think your statement or recei~ IS wrong, or if you need more information about a transfer or the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell-us your name and Account number; 2. Provide the dollar amount of the suspected error' 3. Describe why you believe there IS an error or why you need the information. We will investigate your complaint and will correct any error pl'"omptly. If we take more than 1 0 business days to do this, we will credit your account for the amount you think is in error, SO thalyou will have use Of the money during the time it takes us to complete our investigation. Creditor: American Express Centurion Bank. DUPLICATE COpy 2 3 4 Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Service and Lost or Stolen Card 1-800-521-6121 (24 hours, toll Iree) Addresses Customer Service PO Box 7863 Ft. lauderdale, Fl 33329-7863 Express Cash Operations P.O. Box 27084 Greensboro, NC 27425 Payments SUITE 0002 CHICAGO Il 60679-0002 , A Delta DUPLICATE COpy Prepared For TOO SHEDLOSKY Closing Date September 17, 2001 Account Number Page 5 of 6 3715-416506-61006 Offer ends 12/31/01. The offer is provided only to Cardmembers who meet certain criteria, by responding you will disclose to the merchant that you meet these criteria. One-time bonus only. Offer excludes S,T,U classes. All standard Detta SkyMiles program rules and conditions apply. Small Business _____Servic=-_~_~ C~mExtras- Earn Up to 10,000 Bonus SkyMiles@ from Delta Fly round-trip on Delta-operated flights between the U.S. and Europe/Asia/Middle East/Latin America between September 1 and December 31, 2001, and earn bonus SkyMiles. Paid Economy Class travei earns 5,000 miles -- Business Elite ~ or Business Class travel earns 10,000 miles. Earn an additional 1 ,000 bonus miles when you purchase your round-trip ticket online! There's an Easier Way to Pay Your Bill - Pay By Computer! With Pay By Computer, you can pay your bill every month with a click of your mouse. With this fee-free service, you decide each month how much to withdraw from your enrolled checking account to pay your American Express@ Corporate Card bill - from the minimum amount due, up to your full balance. It's secure, simple, and ready whenever you are. .11 Small Business Senices The offer is provided only to Cardmembers who meet certain criteria, by responding you will disclose to the merchant that you meet these criteria. Fly Through Your Fill-Ups with a Free Speedpass! Speedpass is the fastest way to pay for gas at Exxon@ and Mobil@. Just wave your Speedpass wand at the panel on the pump and it II automatically sends your charges to your American Express@ , - Corporate Card for Small Business. You even save an automatic 2% every time you use it. Small Business Services Payment must be made with the American Express Corporate Card for Small Business. Account must be in good standing at the time of purchase to receive savings. Valid at participating Exxon and Mobil branded locations in the U.S. Valid on automotive gasoline only. Not valid on diesel fuel. Not valid for Corporate Cards issued outside the United States. The offer is provided only to Cardmembers who meet certain criteria, by responding you will disclose to the merchant that you meet these criteria. Save at the Hilton@ Family of Hotels in the U.S. Save 10% on the Best Available Rate at Hilton@, Doubletree@, Embassy Suites Hotels@, Hilton Garden Inn@, and Homewood Suites@ by Hilton hotels - and beginning November 1 st at Hampton Inn@ and Hampton Inn & Suites. Call Hilton Reservations at 1-866-525-AMEX and request the Everyday Savings rate. II Small Business Services Savings applies only to American Express Small Business Corporate Card members. Discount represents 10% off Best Available Rate at Hilton HHonors hotels in the U.S. This discount is only valid off the Best Available Rate and may not be applied to other discounted rates at participating Hilton HHonorss hotels, other restrictions may apply. All program rules apply. The offer is provided only to Cardmembers who meet certain criteria, by responding you will disclose to the merchant that you meet these criteria. To quality for the bonus you must carr 1-800.558-3358 before originating travel and enter your SkyMiles number and code 1083. To confirm your reservation, call Delta at 1-800-241-4141, visit www.delta.com. or call your travel agent. (CE 101684) To Pay By Computer, visit americanexpress.coml smallbusiness. Or to Pay By Phone, call 1-80o.l-PAY-AXP (1-800-472-9297). (CE 101678) To start saving, call 1-an-696-6245 or go to www.speedpass.comand link your Card to your free Speedpass. (CE 1 01647) Call1-866-525-AMEX and request the Everyday Savings rate. (CE 101646) -- --' -.- ------ ..----...-----------.-..--.----------- -~~_._~---~----_._~-----_. Save 10 - 20% at FedEx Express@ Save 10% on FedEx Express U.S. domestic shipping services and 20% on FedEx Express International Priority@. Your savings are _ automatic, just charge your FedEx Express shipment to your Card or 11III link your Card to your new or existing FedEx account. Small Business Sen'ices Savings are off the published rate and cannot be combined with any other offer. Savings apply to transportation charges only, not to special handling fees, surcharges, and other charges, including duties or laxes. The discount not provided on FedEx SameDay8 and some international services. Rates are subject to change without notice. Rates are not available to package consolidators. The offer is provided only to Cardmembers who meet certain criteria, by responding you will disclose to the merchant that you meet these criteria. Call 1-800.231-8636 or visit www.fedex.com/ americanexpress. (CE 101645) DUPLICATE COPY Customer Service Page 1 of 3 800-521-6121 (24 hours 17 days) www.americanexpress.com To avoid additional Finance Charges (except on Cash) pay the New Amount enclosed Balance by the closing I date of your next .-J statement. Check here jf address or telephone number has changed. Note changes on reverse side " The Corporate Optima'" Platinum Card'" Account Prepal'edFor TOO SHEDLOSKY Closing Dale Account Number October 16, 2001 3715-416506-61006 Account Summary Previous Balance $ 46,252.9711 Payment Activity $ New ChargeslAdjUlltments $ inc. Finan:::e Charge,if any +918.4111 Minimum Amount Due $ NffflBalance$ 0047,171.381 0.0011 2.773.00 Your account is past due. Please pay the past due amount immediately. Credit Line Summary on October 16, 2001 Total Credit Une$ 47,600.00 Available Credit Line $ 428.62 Cash Advance Umit$ 200.00 Available Cash Umn$ 200.00 Payments Total of Payment Activity Amount$ 0.00 New Activity Transactions for TOO SHEDLOSKY Card 3715,.416506-61006 AmOllnt$ October 16, 2001 Finance Charge October 16, 2001 Late Payment Fee Refereoce: 3200128907500)2481 Total of New Activity 889.41 29.00 918.41 .. Please Iok:! on the perforation below, detach and return with your payment + Continued on reverse t::::) Payment Coupon Account Number 3715-416506-61006 Payment Due Date: November 10, 2001 TOD SHEDLOSKY MICROEAZ COM 6346 N POWDERHORN RD MECHANICSBURG PA PA 17050 Minimum Amount Due $2,773.00 1",111",111""1,1,11",1"1,,,11,11,,,,1,1,,1,,1,11,".,111 ~ Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 1,11.,11""11"1",11,1"11...11,,,11,,..,1,11.1,,1,1,,"I,ll 0000371541650661006 004717138000277300 14 rl Payment Due Date November 10, 2001 Minimum Amount Due includes: Past due amount $1,830.00 This month's amount due $943.00 Please refer to page 3 for important information regarding your account Please enter account number on all checks and correspondence. Make check payable to American Express. D DUPLICATE COPY Closing Dale October 16, 2001 Account Number Page 3 of 3 3715-416506-61006 Prepare:::lFol TOO SHEDLOSKY Small Business Services Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank). If you are not paying electronically or 9Y phone, please submit your payment in the enclosed envelope with the remitfance stub attached ani::! account number Indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. If your check is returned unpaid by your bank for insufficient funds, we may re-present your checl{ electronically:. Lost or Stolen Card: If the Card is lost or stolen, in the U. S. immediately teleohone us at the number indicated on your paper statement,. or click on the Customer Service link online. Outside tlie U.S. contact the nearest American Express Travel SelVice Orrice or call any local American EXPfess office. Finance Charges: We use the average daily balance (including new Purchases) method to compute the balance subject tothe FINANCE CHARGE as follows: 1 Take the beginning balances tor Purchases (including new Purchases, the annual fe~ if any, and other fees) and Cash Advances, respectively, each day, add any accrued but unpaid FINANCE CHARGr=S and debits applied against Purchases (excluding insurance premiums and Express Cash tees) or Cash Advances that day; 2 Subtract any payments received that day and any credits applied to Purchases and Cash Advances, respectively, that day. The result is the daily balance for Purchases and Cash Advances respectively, for that day; 3 Add upthe daily balances of Purchases and Cash Advances, respectively, tor each day in the billing P!'!'riod; 4 Divide each sum by the number of days in the billin~ period. The quotients are the Average Daily Balance for Purchases(ADBP) and Average Daily Balance for Cash Advances(ADBC), respectively. The ADBP will be considered" to be zero if you paid the closing balance on Purchases, if any, shown on your previous month's statement by the payment due date on that statement. To calculate total FINANCE CHARGES for the billing period, we multiply the Daily Periodic Rate (DPR) for Purchases by the ADSP and multiply the DPR for Cash Advances by the ADBC and multiply fhe resoective resulting numbers by the number of days in the billing cycle. Each DPR is 11365th of the respective APR. The FINANCE CHARGES derived from the ADBP and ADBC are caJculated separately and are added together to produce the total FINANCE CHARGE. Unless otherwise disclosed, Balance Transfers are treated as Purchases lor calculating FINANCE CHARGES. Minimum Finance Charge: $0.50. APR Information: The APRs and DPRs (which appear elsewhere on this statement) may vary based upon the applicable Prime Rate (PR). The PR used to determine the APR is the higher of the PRs listed in The Wall Street JOurnal on the 1 st or 20th day (or if such date is not a business day, the next business day) of the prior month. If a promotional rate is in effect, that rate will apply according to the terms disclosed to you wnen you were offered the promotional oppotunity, as provided in your account a~reement. Fees: For each Cash Advance through Express Gash, 3% of each withdrawal, with a minimum fee of $3.00 and no maximum fee. Late, Overtimit, and Returned Payment Fee: the greater of $30 or 2.99% of the delinquent balance, as per ~Rlicable law. In Case of Errors or Questions About Your Electronic Transfers: Please contact us I:>y calling 1.800-CASH.NOW or write to us at the Funds Access SelVices address indicated on your paper statement, or click on tlie Customer Service link online as soon as you can, if you think your statement or receipt IS wrong, or if you need more information about a transfer or the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell-us your name and Account number; 2. Provide the dollar amount of the susRBcted error. 3. Describe why you believe there IS an error or why you need the information. We will investigate your comPlaint and will correct any error promptly. If we take more than 10 oosiness days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the lime it takes us to complete our investigation. Creditor: American Express Centurion Bank. Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Service and Lost or Stolen Card , -800-52Hl121 (24 hours, toll free) International Collect: 623-492-7719 Addresses Customer SelVice PO Box 7863 Ft. Lauderdale, FL 33329-7863 Express Cash Operations P.O. Box 27084 Greensboro, NC 27425 Payments SUITE 0002 CHICAGO IL 60879-0002 DUPLICATE COPY AMERICAN E>CF.!RES5 , Small Business Services Customer Service Page 1 of 5 800-521-6121 (24 hours /7 days) www.amencanexpress.com Prepared For TOO SHEDLOSKY The Corporate Optima@ Platinum Card@ Account Closirg Dale Accounl Number November 16, 2001 3715-416506-61006 Account Summary Previous8aJance$ 47,171.3811 Payment Activity $ New Charges/Adjustments $ inc. Finan::eCharge,ifany New Balance $ =45,632.691 +961.3111 ,2,500.0011 Minimum Amount Due $ 1.186.00 * Indicates posting date. Your account is past due. Please pay the past due amount immediately. Credit Line Summary on November 16, 2001 Total Cred~ Line $ 47,600.00 Cash Advance Limit $ 200.00 Available Cash Lim~$ 200.00 Available Credit Line $ 1,967.31 Payments October 25, 2001 * paymem Received - Thank You A~r~::J2<<l1~$9B7925 Total of Payment Activity Amount $ -2,500.00 -2,500.00 Payment Due Date December 11, 2001 Minimum Amount Due includes: Past due amount $273.00 This month's amount due $913.00 Please refer to page 3 for important information regarding your account New Activity Transactions for TOO SHEOLOSKY Card 3715-416506-61006 Amount $ November 12, 2001 Late paymem Fee Aelererx::e: 320013160672C()()703 November 16, 2001 Rnance Charge Total of New Activity 29.00 932.31 961.31 Payment Coupon Account Number 3715-416506-61006 Continued on reverse t:::::) . Please fokl on the perforaloo below, detach and return wdh your payment . TOO SHEDLOSKY MICROEAZ COM 6346 N POWDERHORN RD MECHANICSBURG PA PA 17050 1,,,111,,,111,,,,1,1,11,,,1,,1,,,11,11,,,,1,1,,1,,1,11,,",III Mail Payment to: AMERICAN EXPRESS SUITE 0002 CHICAGO IL 60679-0002 Payment Due Date: December 11, 2001 Minimum Amount Due $1,186.00 Please enter account number an all checks and correspondence. Make check payable to American Express. To avoid additjonal Finance Charges (except on Cash) pay the New Amount enclosed Balance by the closing ~--'I date of your next l$__ I statement. --- Check here if address or telephone number has changed. Note changes on reverse side. 1,11.,11""11"1",11,1"11",11",11,,,,,1,11,1,,1,1,,,.I,ll 0000371541650661006 004563269000118600 14 rl [J DUPLICATE COPY Prepared For TOO SHEDLOSKY Account Number Page 3 of 5 3715-416506-61006 Small Business Cloo'OO 0... Services November 16, 2001 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank). If you are not paying electronically or by chane, please submit your payment in the enclosed envelope with the remittance stub attached anCl account number indicated on the check. Pfease dO not send post-dated checks. They will be depoSited upon receipt. If payment is made In any other form or at any other location, there may be a delay in processing. If your checkis returned unpaid by your bank for insufficient funds\ we may re-present your check electronically. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. Immediately telephone US at the number indicated on your paper statement/tor click on the Customer Service link online. Outside tMe U.S. contact the nearest American Express Travel Service 0 ice or call any local American EXPress office. Finance Charges: We use the average daily balance (including new Purchases) method to compute the balance subject to the FINANCE CHARGE as follows 1 Take the beglnmng balances for Purchases (including new Purchases, the annual f~ If any, and other fees) and Cash Advances, respectIvely, each day, add an~ accrued but unpaid FINANCE CHARG.S and debits applied agamst Purchases (excluding Insurance premiums and Express Cash fees) or Cash Advances that day, Subtract any payments received that day and any credits apphed to Purchases and Cash Advances, respectively, that day. The result is the daily balance for Purchases and Cash Advances respectively, for that day; Add upthe daily balances of Purchases and Cash Advances, respegtively, ~or each day in the billing ~riod; Divide each sum by the number of days, in the billin9.- period. The quotients are the Average Darly Balance for Purchases(ADBP) and Average Daily Balance for Gash Advances(ADBC), respectively. The ADBP will be conSidered to be zero if you paid the closing balance on Purchases, if any, shown on your previous month's statement by the payment due date on that statement. To calculate total FINAlIICE CHARGES for the billing period, we mu~ip\y the Daily Periodic Rate (DPR) for Purchases by the ADBP and multiply the DPR for Cash Advances by the ADBC and multioly the resoective resulting numbers b~ the number of days in the billing cycle. Each DPR is 1J365th of the respective AP'R. The FINANCE CHARGES derived from the ADBP ana ADBC are calculated separately and are added together to produce the total FINANCE CHARGE. Unless otherwise disclosed, Balance Transfers are treated as Purchases for calculating FINANCE CHARGES. Minimum Finance Charge: $0.50. APR In1onnation: The APRs and DPRs (which appear elsewhere on this statement) may vary based upon the applicable Prime Rate (PRl. The PR used to determine the APA is the higher of the PRs listed in The WeJJ Street JOurnal on the 1st or 20th day (or if such date is not a business day, the next business day) of the prior month. If a promot10nal rate is i.n effect, tJ:lat r~te will apply according to the terms disclosed to you when you were offered the promotional oppotunlty, as prOVided In your account a.Qreement. Fees: For each Cash Advance through Express Gash, 3% of each withdrawal, with a minimum fee of $3.00 and no maximum fee. Late, Overlimit, and Returned Payment Fee: the greater of $30 or 2.99% of the delinquent balance, as per ~icablelaw. In Case of ElTOrs or Questions About Your Electronic Transfers: Please contact us gy calling 1-800-CASH-NOW or write to us at the Funds Access Services address indicated on your paper statement, or cliCk on tlie Customer Service link online as soon as you can, if you think your statement or receipt IS wrong, or if you need more information about a transfer or the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell .us your name and Account number; 2. Provide the dollar amount of the sus~ed error' 3. Describe why you believe there IS an error or why you need the information. We will investigate your complaint and will correct any error promptly. lfwe take more than 10 bUsiness days to do this, we will credit your account for the amount you think is in error, so that you will have use oUhe money during the time it takes us to complete our investigation. Creditor: American Express Centurion Bank. 2 3 4 Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Service and Lost or Stolen Card 1-800-521-6121 (24 hours, toll free) International Collect: 623-492-n19 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Express Cash Operations P.O. Box 27084 Greensboro, NC 27425 Payments SUITE 0002 CHICAGO IL 60679-0002 , DUPLICATE COPY Small Business Services CIOllingDale November 16, 2001 3715-416500-"61NOOe Page 5 of 5 Prepared For TOO SHEDLOSKY ~mExtras. Now There's An Easier Way To Pay Your Bill! With Pay By Computer, you can pay your bill every month with a click of your mouse. With this fee-free service, you decide each month how much to withdraw from your enrolled checking account to pay your American Express" Corporate Card bill - from the minimum amount due up to your full balance. It's secure, simple, and ready whenever you are. .EF.llCAN EXP.F.IESS @ 6 Cents a Minute on State.to.State Long Distance! As an American Express" Corporate Cardmember, Qwest offers you 6 cents a minute on state-to-state long distance calls, anytime. And rii. t~. 1i,..I.e this rate will not increase as long as you are enrolled in the program. _ There is no annual contract and no monthly program fee. Qwest Terms and Conditions Apply. The offer is provided only to Cardmembers who meet certain criteria, by responding you will disclose to the merchant that you meet these criteria. Save At Over 1,800 Hotels, Including Hampton Inn@ Save 10% off the best available rate at Hampton Inn", Hampton Inn & Suites", Hilton", Doubletree", Embassy Suites Hotels", Hilton Garden Inn", and Homewood Suites" by Hilton hotels. Call Hilton (,fl Reservations at 1-866-525-AMEX and request the Everyday Savings TheHil~amily rate. Savings apply only to American Express Small Business Cardmembers. Discount represents 10% off the best available rate at Hilton HHonors hotels in the United States. This discount is only valid off the best available rate and may not be applied to any other discounted rates at participating Hilton HHonors hotels. Other restrictions may apply. All program rules apply. The Hilton name and logo are trademarks owned by Hilton. (C) 2001 Hilton Hotels. To Pay By Computer, visit www.americanexpress. com/smallbusiness. Or to Pay By Phone, call 1-BOO-l-PAV-AXP (1-800-472-9297). (CE 101804) To sign up now just call 1-ll88-9n-7799 (CE 101813) CalI1-866-525-AMEX and request the Everyday Savings rate. The offer is provided only to Cardmembers who meet certain criteria, by responding you will disclose to the merchant that you meet these criteria. (CE 101812) DUPLICATE COPY Customer Service Page 1 of 5 800-521-6121 (24 hours 17 days) www.amencanexpress.com The Corporate Optima'" Platinum Card'" Account Closing Dale Ac.counlNumber December 17, 2001 3715-416506-61006 ~repared FOI TOO SHEDLOSKY Account Summary +920.781\ New Balarce $ =45,053.471 Minimum Amount Due $ -1,500.0011 New Charges/Adjustments $ inc_ Finance Charge.if any Previous Balance $ 45,632.6911 Payment Activity $ 901.00 , Payment Due Dale January 11, 2002 . I ndicates posting date Please refer to page 3 for important information regarding your account Total Credit Line $ 47,600.00 Available Credit Line $ 2,546.53 Cash Advance Limit $ 200.00 Available Cash Limit $ 200.00 Credit Line Summary on December 17, 2001 Amount $ Payments November 30, 2001 * Payment Rec;eived - Thank You Refereo::e::-32OO1:l1340132e64502 Total of Payment Activity -1,500.00 -1,500.00 New Activity Transactions for TOO SHEDLOSKY Card 3715-416506-610Cl6 Amount $ December 17, 2001 Finance Charge Total of New Activity 920.78 920.78 . Please lold on the peltoralioo below, ~h and return with your payment + Continued on reverse t=> Payment Coupon Account Number 3715-416506-61006 Payment Due Date: January 11, 2002 Please enter account number on all checks and correspondence. Make check payable to American Express. TOO SHEDLOSKY MICROEAZ COM 6346 N POWDERHORN RD MECHANICSBURG PA PA 17050 Minimum Amount Due $901.00 Mail Payment to: AMERICAN EXPRESS SU ITE 0002 CHICAGO IL 60679-0002 To avoid additional Finance Charges (except on Cash) pay the New Amount enclosed Balance by the closing ~---I dale of your next $ statement Check here if address or telephone number has changed. Note changes on reverse side. 1",111",111".,1,1,11",1"1,,,11,11,.,,1,1,,1,.1,11"".111 D 1,11"11""11.,1",11,1"11,,,11,,,11,,,.,1,11,1,.1,1,",I,ll 0000371541650661006 004505347000090100 14 rl DUPLICATE COpy Prepared For TOO SHEDLOSKY Account Number Page 3 of 5 3715-416506-61006 " Small Business CI",OO Oat, Services December 17, 2001 Payments: Payments received after 12:00 noon or on weekends or ~olidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located In the US (other than American Express Centurion Bank). If you are not paying electronically or by chone, please submit your ~yment in the enclosed envelope with the remittance stub attached and account number indicated on the check. prease do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other locationl there may be a delay;n processing. If your check is returned unpaid by your bank for insufficient funds, we may re-present your check electronically. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your Qaper statement,..or click on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service Omce or caU any local American Express office. Finance Charges: Av~e Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance methoa to calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily ~riodic rate to the Average Daily Balance (as describeCfbelOW! for each feature (such as Purchase.z.. Cash Advance and Balance Transfer features) of your Account (including curren transactions). To get the Average uaily Balance for each feature, we (1) take the beginning balance for the feature each day {including unpaid Finance Charges from previous billing periods, except for billing addresses in Puerto Rico}, (2) add any new transactions, debits, or fees, (3) subtract any Rayments or credits, and (4) make any wpropriate adjustments. For each dey ofter the first day of fhe billing perioa, we afso tJDQ an amount of lmrwst ~"a1 to th$ previous day's daily balance multiplied by the daily periodic ra for the feature (except for billing addresses in Puerto Rico). This gives us the .daily balance for the feature for that day and the beginning balance for lhe feature for the next day. If this balance is negative it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total py the number of days in the billing period. This gives us the Average Daily Balance for the feature. For aJl features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on y'our previous month's stalement by the Payment Que Date shown on tl1at statement. If you multiply the Average Dally Balance for each feature bv the number of days in the billing period and the daily periOdic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the billing period is calculated Qy adding the Finance Charges assessed on all features at the Account. This f1l<jthod of c",cu/otlng the Average DiJlly Si/onee and Flnonce Chargl? results In d4Jly cof1JPOUlJdlng of Finance Charges (except for bJ,"ng addresses in Puerto Rico). The minimum Finance Charge for any billing period in which Finance Charges are imposed is $0.50. In Case of Errors or Questions About Your Electronic Transfers: Please contact us bv visiting us online at open.americanexpr....com".or you can call us all-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1--800-GASH.NOW for I:xpress Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipj:, or transaction is wrol19... please contact us as soon as possible. We must hear from you no Jater than 60 days after we sent you the FIRST statement on which the pr:ablem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspecled error; 3. Describe the error or the transfer you are unsure of, and expJain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and correct any error promctly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so thEll you will have use of the money during tfie time it takes us to complete our investigation. Creditor: American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods bycalling 1-800-518-8866. Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Service and Lost or Stolen Card 1-800-521-6121 (24 hours, toll free) International Gollect: 623-492-nI9 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Express Cash Operations P.O. Box 27084 Greensboro, NC 27425 Payments SUITE 0002 CHICAGO IL 60679-0002 DeLI.: DUPLICATE COPY Closing Dale December 17, 2001 Aooounl Number Page 5 of 5 3715-416506-61006 Prepared For TOO SHEDLOSKY Discount is available from Dell Small Business division only, is not combinable with any other Dell offer, and does not apply to lease payments, taxes, or shipping. Dell is a trademark of Dell Computer Corporation. The ofter is provided only to Cardmembers who meet certain criteria, by responding you will disclose to the merchant that you meet these criteria. Small Business ____~:rvices_~_~~~~. Save 5% at Dell Every Day Dell~ now provides American Express@ Corporate Cardmembers with 5% savings on systems, peripherals, and software products. Save 10% Automatically at FedEx Express@! Save 10% on Fed Ex Express U.S. domestic shipping services. Your savings are automatic, Just charge your FedEx Express shipments to your American Express@ Card or link your Card to your new or existing FedEx account. To link your Card to your account call 1.800-231-8636 or visit www.fedex.com/americanexpress. FecEx. F..xpress Savings are off the published rate and cannot be combined with any other offer. Savings apply to transportation charges only, not to special handling fees, surcharges, and other charges, including duties or taxes. Discount not provided on FedEx SameDay8 and some international services. Rates are subject to change without notice. Rates are not available to package consolidators. The offer is provided only to Cardmembers who meet certain criteria, by responding you will disclose to the merchant that you meet these criteria. Visit www.deU.com/ everydaysavings or call 1-877-778-4831 and ask for your Everyday Savings. (CE 102024) Use your American Express. Corporate Card for Small Business at FedEx Express to start saving! (CE 102025) An Easier Way to Pay Your Bill . Pay By Computer! With Pay By Computer, you can pay your bill every month with a click of your mouse. With this fee-free service, you decide each month how much to withdraw from your enrolled checking account to pay your American Express@ Corporate Card for Small Business bill -from the minimum amount due, up to your full balance. It's secure, simple, and ready whenever you are. .EAlCAN EXP.F.IESS @ Please allow two days for payments to post to your account. To Pay By Computer, visit americanexpress.coml smallbusiness. Or, to Pay By Phone, call 1-800-I-PAY-AJ(P (1-800-472-9297). (CE 102050) Make Foreign Payments Simply and Easily Does your business wire foreign currency payments to overseas suppliers or vendors? If so, let American Express save you time and money through our International Payments service. A web based payment solution, International Payments offers competitive rates and IS a convenient, reliable and secure way to manage foreign payables. Sign up now and enjoy your first three months of foreign currency wires fee-free! As an added bonus, receive a free international time zone clock/calculator after you make your first foreign currency wire. clntemational ---Payments FT_AIIIU'icM Exprns Fllrrltln ExcJr-a~ ~l1Iicn To leam more about International Payments and to open an account, please visit us online at www.americanexpress. com/lp or call 1-888-531-1050. To redeem offer, mention code CE12FF. (CE 101860) ~ DUPLICATE COPY Small Business Services Customer Service Page 1 of 6 800-521-6121 (24 hours 17 days) www.americanexpress.com To avoid additional Finance Charges (except on Cash) pay the New Amount enclosed Balance by the closing I: I date of your next ~ statement. J Check here if address or telephone number has changed. Nate changes on reverse side. The Corporate Optima'" Platinum Card'" Account Prepared For TOO SHEDLOSKY Closing Dale Account N\XT1ber January 16, 2002 3715-416506-61006 Account Summary Previous Balance $ PaymenlActivity$ New Cha!ges/Adjustments $ in::. Finance Charge,if any Minimum Amount Due $ New Balance $ =45.979.061 1.621.00 +925.5911 0.0011 45,053.4711 Your account is past due. Please pay the past due amount immediately. Credit Line Summary on January 16, 2002 Total Credit Line $ 47,600.00 Available Credit Line $ 1,620.94 Available Cash Lim.$ 200.00 Cash Advance Limit $ 200.00 Payments Total of Payment Activity Amount $ 0.00 New Activity Transactions for TOO SHEDLOSKY Card 3715-416500-61006 January 13. 2002 Late Payment Fee Reference: 320020130676C()()B89 Amount $ 29.00 January 16, 2002 Rnance Charge Total of New Activity 896.59 925.59 + Please lok:l on the perforation below, de\a:;)h ard ralurn with your payment + Continued on reverse t:::::) Payment Due Date: February 10. 2002 Payment Coupon Account Number 3715-416506-61006 TOD SHEDLOSKY MICROEAZ COM 6346 N POWDERHORN RD MECHANICSBURG PA PA 17050 Minimum Amount Due $1.821.00 1",111",111""1,1,11,,,1,,1,,,11,11,,,,1,1,,1,,1,11,,.,,111 Mail Payment to: AMERICAN EXPRESS SU ITE 0002 CHICAGO IL 60679-0002 1,11.,11""11"1",11,1"11..,11,,.11.,,..1,11,1,.1.1,,,,I,ll 0000371541650661006 004597906000182100 14 rl Payment Due Date February 10. 2002 Minimum Amount Due includes: Past due amount $901.00 This month's amount due $92000 Please refer to page 3 for important information regarding your account Please enter account number on all checks and correspondence. Make check payable to American Express. D DUPLICATE COPY Prepared Foc TOO SHEDLOSKY "",,"01 N""'" Page 3 of 6 3715-416506-61006 Small Business CI,,'OOO... Services January 16, 2002 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business jay. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank). If you are not paying electronically or t;ly !;>hone, please submit your payment in the enclosed envelope wit~ the remittance stub attached ana account number mdicated on the check. Pfease do not send post~dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. If your check is returned unpaid by your bank for insufficient funds, we may re-present your check. electronically. Lost or Stolen Card: If the Card IS lost or stolen, in the U.S. immediately telephone us at the number indicated on your paper statement,~or click on the Customer Service link online. Outside Hie U.S. contact the nearest American Express Travel Service Omce or call any local American Ex~ress office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance methoo to calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily pel!riodic rate to the Average Daily Balance (as described-below) for each feature (such as Purchase Cash Advance and Balance Transfer features) of your Account (including currenl transactions). To get the Average Daily Balance for each feature, we (1) take the Qooinning balance for the feature each day (including unpaid Finance Charges from previous billing periods, except for billing addresses in Puerto Rico), (2) add any new transactions, debits, or fees, (3) subtract any payments or credits, and (4) make any appropriate adjustmenls. For each day after the first day of fhe billing perioCl, we tJ/so sad an amount of - Interest ~uaJ to the previous day's daily balance multiplied by fhe daily periodic rate for the feature (except for bIlling addresses in Puerto Rico), This gives us the daily balance for the feature for that day and the beoinning balance forlhe feature lor the next day. If this balance is negative~_ it is considered to be zero. Then, we add up all fhe da~y balances for the feature for the billing period and divide the total oy the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Dally Balance for each feature by_ the number of days in the billing period and thd daily penodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused bv rounding. The total Finance Charge for the billing period is calculated ~ adding the Finance Charges assessed on all feafures of tne Account. This method of caJculstlng the Average Dltfly BiJJance and Finance ChargffJ results in dailv compounding of Finance Chf!!9&s (except for bilfing addresses in Puerto Rico). The minimum Finance Charge for any bining period in which Finance Charges are imposed is $0.50. In Case of Errors or Questions About Your Electronic Transfers: Please contact us b~ visiting us online at open.americanexpress.com or you can call us at 1.800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-800.CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receip, or transaction is wrOQg, please contact us as soon as possible. We must hear lrom you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and correct any error promctly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so thal you will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Centurion Bank. 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. , Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Service and Lost or Stolen Card 1-800-521-6121 (24 hours, toll free) International Collect: 623-492-7719 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Express Cash Operations P.O. Box 27084 Greensboro, NC 27425 Payments SUITE 0002 CHICAGO IL 60679-0002 AMERICAN E)(P-f.lESS DUPLICATE COPY Small Business Services CloeingDate January 16, 2002 Account Number Page 5 of 6 3715-416506-61006 CustomExtras- ~ Free Disney Cruise Une@Vacation Planning Video! Escape with Disney Cruise LinelS> on the most magical ships to ever set sail. With special dining and pampering experiences for adults, nearly an entire deck of fun-filled activities for kids, and even a lounge for teens, it's a vacation that everyone in the family thinks is just for them. Travel to exotic ports in the Eastern or Western Caribbean or combine a visit to the Walt Disney WorldlS> Resort with a 3 or 4 night cruise to The Bahamas. Each cruise features a visit to Disney's own private island, Castaway Cay. Offer ends 3/31/02. Order your free video at www.amertcanexpress.comldlsney/crulse Please allow 2~3 weeks for delivery. One per household. Must be 18 years old to order. ^.,.,,,,,~ ..V'~ {,~'. . \. ) "" I( ~Cllda{ DiMtqCI'lalJeu., Prepared For TOO SHEDLOSKY Get a Hassle-Free Business Loan for Up to $50,000! The Business Loan from American ExpresslS> is a convenient source of capital for your business. Borrow up to $50,000 for new computers, office furniture or maybe just to free up cash flow. Whatever you use it for, we've simplified the process with a short application and no additional documentation required. If approved, you will receive your Business Loan check within two weeks. BUSINESS LOAN Order your free vacation planning video and be guided on a tour through aU of the Magic and Wonder that await you. You'll also receive a special vacation package offer exclusively for American Express. Cardmembers. (CE 102072) API>Y Now! Call at 1-800-403-128810 learn more or apply for a Business Loan for up to $50,000. (CE 1 021 30) A New Partnership With Dun & Bradstreet! American Express has teamed up with Dun & Bradstreet to bring you an extensive suite of on-line tools that will help you make better informed credit decisions, find new customers, monitor your competition and even collect from delinquent customers! 1m I Small Business [!!;!]] Solutions Visit our Web site at www.amerlcanexpress.com/dnb to learn more about these great new products and services. Terms and Conditions apply. The offer is provided only to Cardmembers who meet certain criteria, by responding you will disclose to the merchant that you meet these criteria. Save Up to 15% On Hertz Daily Car Rentals Save up to 15% on daily car rentals at Hertz when you use your American ExpresslS> Corporate Card for Small Business. You are also lIiiJii:t... ~~r~~\~ to receive a complimentary in Hertz #1 Club GoldlS>, (a $50 Hertz savings are based on rates for which you qualify that are published and available to the general public at the time of booking at participating locations. You must reference code COP, 306613 when making reservations. Minimum rental age for this offer is 25. All Everyday Savings program rules apply. The Hertz name and logo are registered trademarks and service marks. The offer is provided only to Cardmembers who meet certain criteria, by responding you will disclose to the merchant that you meet these criteria. Save 5% at Dell Every Day Dell'. now provides American ExpresslS> Small Business Corporate Card members with 5% savings on all systems, peripherals, and software products. Visit www.dell.com/everydaysavings or call 1.877.278.9005 and ask for the Everyday Savings discount. Discount is available from Dell Small Business division only, is not combinable with any other Dell offer and does not apply to lease payments, taxes or shipping. Resellers excluded. Dell is a trademark of Dell Computer Corporation. The offer is provided only to Cardmembers who meet certain criteria, by responding you will disclose to the merchant that you meet these criteria. .,...1; Visit our Web site at www.americanexpress. comldnb to learn more about these great new products and services. (CE 102103) Call 1-800-654-9998 and reference COP#: 306613 when making your reservations. (CE 102104) Visit www.dell.com/ everydaysavings or call 1-sn-278-900S and ask for the Everyday Savings discount. (CE 102102) DUPLICATE COPY [D To manage your account, Page 1 of 3 visit us on-line at: open ,american express ,com or call aOO-521 -6121 To avoid additional Finance Charges (except on Cash) pay the New Amount enclosed Balance by the closing i-l date of your ,next $ statement Check here If address or telephone number has changed. Note changes on reverse side. , SMALL BUSINESS NETWORK'w Corporate Platinum Optima@ Card Prepare:iFor TOO SHEDLOSKY Closing Date Accoont Number February 17, 2002 3715-416506-61006 Account Summary PrevlOUSBaJance$ 45,979,0611 PayrnentActivi\y$ New Charges/Adjustments $ ire:. Finar.ceCharge.~any +1,005,6811 Minimum Amount Due $ New BaJance$ -46,984,741 0,0011 2,761.00 Your account is past due, Please pay the past due amount immediately, Credit Line Summary on February 17,2002 Total Credit Line $ 47,600.00 Cash Advance Limit $ 200,00 Available Cash Umit$ 200.00 Available Credit Une$ 615,26 Payments Total of Payment Activity Amount $ 0.00 New Activity Transactions for TOO SHEDLOSKY Card 3715-416506-61006 Amount $ February 12, 2002 Late Payment Fee Aefererce: 320020430676001594 ----~_._-------- --~--~--- 29,00 February 17, 2002 Finance Charge Total of New Activity 976,68 1,005.68 .. Please fold Of! the peorforatiOl1 bek)v.-, delooh and return wrth your payment t Continued on reverse t:=:::> Payment Due Date: March 14, 2002 Payment Coupon Account Number 3715-416506-61006 TaD SHEDLOSKY MICROEAZ COM 6346 N POWDERHORN RD MECHANICSBURG PA PA 17050 Minimum Amount Due $2,761.00 I",III".II!",.!.I,!I",I"I..,II,II,."I,I"I,.I,II,"..I!I Mail Payment to: AMERICAN EXPRESS SU ITE 0002 CHICAGO IL 60679-0002 I.II"II""II"I..,!I.I"!I."II",II,,,,,!.II,I.,I,I,.,,!,II 0000371541650661006 004698474000276100 14 rl Payment Due Date March 14, 2002 Minimum Amount Due includes: Past due amount $1,821.00 This month's amount due $940.00 Please refer to page 3 for important information regarding your account Please enter account number on all checks and corresp:>ndence. Make check payable to American Express. o DUPLICATE COPY :AMERICAN EXP.RESS Prepared For TOO SHEDLOSKY 3715-41650s'~61NOO6 Page 3 of 3 Closing Dale February 17, 2002 Payments: Payments received after 12:00 noon or on weekends or holidays. may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank). If you are not paying electronically or by chane, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. If your check is returned unpaid by your bank for insufficient funds, we may re-present your checl( electronically. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately teleohone us at the number indicated on your Qaper statementJror click on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service Gmce or call an~t local American Express office. Finance Charges: Average Dally Balance Method for Calculation of Finance Charges:We use the Average Daily Balance methoCl to calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily ~riodic rate to the Average Daily Balance (as described-below) for each feature (such as PurchaseJ.. Cash Advance and Balance Transfer features) of your Account (including current: transactions). To get the Average uaily Balance for each feature, we (1) take the ~inning balance for the feature each day (including unpaid Finance Charges from previous billing periods, except for billing addresses in Puerto Rico), (2) add any new transactions, debits, or fees, (3) subtract any payments or creditsj and (4) make any appropriate adjustments. For each day after the first day of fhe bll/ing peiiod, we s.Jso tllJd an smount of Interest ~ual to the previous day's daily balance mult/plied by the daily periodic rtlte for the feature (exce~ for blfling addresses in Puerto Rico), This gives us the daily balance for the feature for that day and the beQinning balance for lhe feature for the next day. If this balance is negative it is considered to be zero. Then, we add up all file dBlly balances for the feature for the billing period and divide the total 9Y the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average DBlly Balance for each feature by the number of days in the billing period and the daily periOdic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the billing period is Calculated ~ adding the Finance Charges assessed on all features of tfie Account.This methocf of calcultltmg the Average D"aJJv BiJance and Finance Charge results In dailv compounding of Finance C~s (except for biJfing addresses in Puerto Rico). The minimum Finance Charge for any biRing J?l?riod in which Finance Charges are impoSed is $0.50. In Case of Enors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.com or you can call us at 1-80Q-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-aOQ-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrQt19, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during ttle lime it takes us to compete our investigation. Creditor: American ExPress Centurion Bank. 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. Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Service and Lost or Stolen Card 1-800-521-6121 (24 hours, toll free) International Collect: 623-492-7719 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Express Cash Operations P.O. Box 27084 Greensboro, NC 27425 Payments SUITE 0002 CHICAGO IL 60679-0002 DUPLICATE COPY . [!D To manage your account, Page 1 of 3 visit us online at: open. americanexpress. com or call 800.521.6121 To avoid additional Finance Charges (except on Cash) pay the New Amount enclosed Balance by the closing ~'-"I date of your next $ . statement. ___I Check here jf address or telephone number has changed. Note changes on reverse side. SMALL BUSINESS NETWORK'M Business Management Account~ Prepared For TOO SHEDLOSKY CkJsing Date Account Number March 17, 2002 3715-416506-61006 Account Summary Previous~$ 46,984.7411 Payn-.enlAclivity$ New ChargeslAdjustmel1ls $ inc. Finance Charge,if any Minimum Amount Due $ New Balance $ =47,885.811 3.719.00 0.0011 +901.0711 Credit Line Summary on March 17, 2002 Total Credit Line $ 47,600.00 Available Credit Line $ 0.00 Available Cash Limit $ 0.00 Cash Advance Limit $ 200.00 Payments Total of Payment Activity Amount $ 0.00 New Activity Transactions for TOO SHEDLOSKY Card 3715-4165Cl6-61006 Amount $ March 16, 2002 Late Payment Fee Reler~: 320020750674001099 29.00 March 17, 2002 Finance Charge Total of New Activity 872.07 901.07 .. Please lok:! on the perforation below. detach and return w~h your payment .. Continued on reverse t:=) Payment Due Date: April 11, 2002 Payment Coupon Account Number 3715.416506.61006 TOO SHEDLOSKY MICROEAZ COM 6346 N POWDERHORN RD MECHANICSBURG PA PA 17050 Minimum Amount Due $3,719.00 1",111",111"..1.1.11".1,.1",11,11.",1,1,,1,,1.11,.."III Mail Payment to: AMERICAN EXPRESS SU ITE 0002 CHICAGO IL 60679-0002 1,11"11.,..11"1",11,1"11,,,11,,,11,,..,1.11,1,,1,1...,1.11 0000371541650661006 004788581000371900 14 rl Payment Due Date April 11, 2002 Minimum Amount Due includes: Past due amount $2,761.00 This month's amount due $958.00 Please refer to page 3 tor important information regarding your account Please enter account number on all checks and correspondence. Make check payable to American Express. o """,oIN"""" Page 3 of 3 3715-416506-61006 Cloeir.gDate March 17, 2002 Payments: Payments received after 12:00 noon or on weekends or holidays may nat be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remitfance stub attaclied and account number indicated on the check. prease dO not send post.dated checks. They will be deposited upon receipt. If ~yment is made in any other form or at any other location, there may be a delay in processing. If your check is returned unpaid by your bank for insufficient funds~ we may re-present your check electronically. Lost or Stolen Card: [f the Card is lost or stolen, in the U.S. Immediately telephone us at the number indicated on your gaper statementhor click on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service 0 ice or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance methoo to calculate Finance Charges on your Account Under this method, we figure the Finance Charges on your Account by ~plying the daily periodic rate to the Average Dally Balance (as describecfbelOWI for each feature (such as Purchase.z. Cash Advance and Balance Transfer features) of your Account (including curren transactions). To get the Average uaily Balance for each feature, we (1) take the ~inning balance for the feature each day (including unpaid Finance Charges from previous billing periods, except for billing addresses in Puerto Rico), (2) add any new transactions, debits, or fees, (3) subtract any payments or credits, and (4) make any appropriate adjustmenls. For NCh ddY after the ffrst day of fhe billing perloo, we tJ./so aad an amount of' lnterest equtJ./ to the previous oay's dtJily balance multiplfed by the dafly periodIc rate for the feBture (except for bIlling addresses in Puerto RIco). This gives us the daily balance for the feature for that day and the beginning balance for 1he feature for the next day. If this balance is negative it is considered to be zero. Then, we add up all the da~y balances for the feature for the billing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Dally Balance for each feature by the number of days in the billing period and the daily periodic rate fbr that feature, the result will be the Finance Charge assessed on that feature, ex~ for variations caused by rounding. The total Finance Charge for the billing period is calculated ~ adding the Finance Charges assessed on all feafures of the Account. ThIs methcxJ of calculatmg the Average D8/ly Silanee tJJ1d FirnJ/1Ce Char~ results in daflv compounding of FintJf1C& Chtyges (except for bifnng addresses in Puerto Rico). The minimum Finance Charge for anY' bining gf?riod in which Finance Charges are impoSed is $0.50. In Case of Enors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.com, or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-800-CASH-NOW for "xpress Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipf;, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days atter we sent you the FIRST statement onwhich the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of thesuspeqted error; 3. Describe the error or the transfer y.ou are unsure of, and explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and correct any error prqmotly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so thal you will have use of the money during ttie time it takes us to complete our investigation. Creditor: American Express Centurion Bank. 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. DUPLICATE COpy " ~E!;llCAN El<P.RE55 Prepared For TOO SHEDLOSKY Telephone Numbers To Pay By Phone 1-800-472-9297 Customer Service and Lost or Stolen Card '-800-521-6121 (24 hours, toll free) International Collect: 623-492-7719 Addresses Customer Service PO Box 7863 Ft. Lauderdale, FL 33329-7863 Express Cash Operations P.O. Box 27084 Greensboro, NC 27425 Payments SUITE 0002 CHICAGO IL 60679-0002 To avoid additional Finance Charges {except on Cash) pay the New Amount enclosed Balance by the closing 1.- ] date of your next ~ statement. -- Check here if address or telephone number has changed. Note changes on reverse side. DUPLICATE COpy .E"""" ESS , [!mIl To manage your account, visit us online at: open .americanexpress.com or call 800-521-6121 SMALL BUSINESS NETWORK'. Business Management Account'" Prepared For Closing Date Account NlI11ber TOO SHEDLOSKY April 16, 2002 3715-416506-61006 Account Summary PreviousBalarce$ 47,885.8111 Payment AcU...rty $ New ChargeslAdjuslments $ inc. Finance Charge,1f any +981.9511 Minimum Amount Due $ NIWllBalance$ =48,867.761 4.696.00 00011 Credit Line Summary on April 16, 2002 Total Credit Line $ 47,600.00 Available Credit Line $ 0.00 Cash Advance Limit $ 0.00 Available Cash Limit $ 0.00 Payments Total of Payment Activity Amount$ 0.00 New Activity Transactions for TOO SHEDLOSKY Card :1715-416506-61iX16 Amount $ 29.00 April 13, 2002 Late Payment Fee Reference: 320021030660001:357 April 16. 2002 Finance Charge Total of New Activity 952.95 981.95 .. Please fold on the pelloratioo beow, detach an::! re!urn wrth your payment + Continued on reverse t:::::> Payment Due Date: May 11, 2002 Payment Coupon Account Number 3715-416506-61006 TOD SHEDLOSKY MICROEAZ COM 6346 N POWDERHORN RD MECHANICSBURG PA PA 17050 Minimum Amount Due $4,696.00 1",111",111""1,1.11",1"1",11,11,,,,1,1,,1,,1,11,,",1/1 Mail Payment to: AMERICAN EXPRESS SU ITE 0002 CHICAGO IL 60679-0002 1,11"11,,,,11,,1,,,11,1,,11,,,11,,,11,,,,,1,11,1,,1,1,,,,I,ll 0000371541650661006 004886776000469600 14 n Page 1 of3 Payment Due Date May 11, 2002 Minimum Amount Due Includes: Past due amount $3,719.00 This month's amount due $977.00 Please refer \0 page 3 for important information regarding your account Please enter account number on all checks and correspondence. Make check payable to American Express. [J DUPLICATE COPY Prepared For TOO SHEDLOSKY 3715-416506-61006 Page 3 of 3 Closing Date April 16, 2002 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached ani::l account number indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. If your check is returned unpaid by your bank for insufficient funds~ we may re-present your check electronically. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. Immediately telephone us at the number indicated on your paper stateme~J.,or click on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service umC8 or call an~ local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance methoc to calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as described belOWl tor each feature (such as Purchase,l.. Cash Advance and Balance Transfer features) of your Account (including curren transactions). To get the Average uaily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid Finance Charges from previous billing periods, except for billing addresses in Puerto Rico), (2) add any new transactions, debits, or fees, (3) subtract any payments or credits, and (4) make any appropriate adjustmenls. For each day after the first day of the billing period, we aiso tlDd "" amount of Interest <;quai to the previous day's daily balonce muftipiiod bv the daiiy periodic rote for the feBlure (except for bliling oddre...s In Puerlo Rico). This gives us the daily balance for the feature for that day and the beainning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all fhe dally balances for the feature tor the billing period and divide the total bY the number of days in the billing period. This gives us fhe Average Daily Balance for the feature. For all features exce~ Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's stalement by the Payment Due Date shown on that statement. If you multiply the Average Dally Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the billing period is calculated Qy adding the Finance Charges assessed on all features of too Account. This methocf of calculatIng the Average DBiJy Balance and Finance C~ results In daily compounding of FlntIl1Ce C~ (except for bi1nng addresses in Puerto Rico), The minimum Finance Charge for an~ hiRing period in which Finance Charges are impoSed is $0.50. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.com,1.or you can call us at 1.800~IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1.aOO-CASH-NOW for t:xpress Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, recei~, or transaction is wrong. please contact us as soon as possible. We must hear -from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspeqted error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and correct any error promotly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so thal you will have use of the money during ttie time it takes us to complete our investigation. Creditor: American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rales, fees and grace periods bycalling 1-800-518-8866. Telephone Numbers To Pay By Phone '-800-472-9297 Customer Service and Lost or Stolen Card '-800-521-6121 (24 hours, toll free) International Collect: 623-492-7719 Addresses Customer Service PO Box 7663 Ft. Lauderdale, FL 33329-7663 Express Cash Operations P.O. Box 27084 Greensboro, NC 27425 Payments SUITE 0002 CHICAGO IL 60679-0002 AriiL Corp. Comm. -- Corporations Division Arizona Corporation Commission State of Arizona Public Access System Page 1 of3 01/26/2005 9:13 AM I Corporate Inquiry I IFile Number: -0878795-5 AD-DISSOLVED-FILE ANNUAL REPORT 04/07/2003 I ICorp. Name: MICROENTERPRISESAZ, INC. I Domestic Address I % CORPORATION SERVICE COMPANY I I 2338 W ROYAL PALM RD STE-J I I PHOENIX, AZ 85021 I Statutory Agent Information I Agent Name: CORPORATION SERVICE COMPANY I I I I Agent Mailing/Physical Address: I I 2338 W ROYAL PALM RD STE-J I I PHOENIX, AZ 85021 I I I ! Agent Status: APPOINTED 06/16/1999 I I Agent Last Updated: I Officer and Director Information I Name:\ITOD G SHEDLODSHY I [ Title:IIPRESIDENT ICEO I I Address:111004 RANA VILLA AVE I I IICAMP HILL, PA 17011 I I Date Assigned: 06/16/1999 IILast Updated: 10/0112001 I \ II I Name:IITOD G SHEDLODSHY I Title:IISECRET AR Y I Address:l! 1 004 RANA VILLA AVE I IICAMP HILL, P A 17011 I Date Assigned: 06/16/1999 IILast Updated: 10/0112001 I II I ttp://starpas.cc.state.az.us/cgi-binlwspd cgi.sh/WService=wsbrokerl/names-rlet"il n?n"mp_irl=()R7R70" 1 nt:.nnns Ari". Corp. Comm. -- Corporations Division Additional Corporate Information Page 2 of3 I II Corporation Type: BUSINESS I IIncorporation Date: 06/16/1999 IICorporate Life Period: PERPETUAL I IDomicile: ARIZONA IICounty: MARICOPA I IApproval Date: 06/16/1999 IIOrillinal Publish Date: 07/19/1999 I IStatus: AD-DISSOLVED-FILE ANNUAL REPORT IIStatus Date: 04/07/2003 I Annual Reports Next Annual Report Due: 06/16/2002 120011106 120001106 File File Oate I Year Month Received 1107/25/200111 1106/19/200011 Reason Returned II II II nate Returned I Extension II I II I Scanned Documents (Click on gray button to view document) Boeument I DeHTiption 11 Date Received I Num her I )::]:~~~7~~~iiIIIOO ANNUAL REPORT 1106/1 9/2000 I I )i~i~~2:;1110 1 ANNUAL REPORT 1107/25/200 1 I ,.";,;:.,i,,,,.;:c;:;.;.;";,.,,,,,:,,:;,'''.-;,,; I ~~7~~~~::;.].~IIMULTIPLE CHANGES 1109/04/2003 I Notices of Pending Administrative Dissolution (For Last Three Years Only) (Click on gray button - if present - to view notice) [)ate II 10109/2002 IIIDELINQUENT ANNUAL REPORT Reason Administrative Dissolutions and Reinstatements (Click on gray bntton - if present - to view notice) !Administrative I Bissolution Administrative Dissolution Reason Date 04107/~QIil?<IIIAD-DISSOL VED - FILE NR Reinstatement Date II lttp://starpas.cc.state.az.us/cgi-binlwsod cf!;.sh/WServi"p=wshrnkprl /nornps_,-Jpto;l n?no~o ;A_(W"70"7O<S l/"'lCI"'ln{'\t: Ariz; Corp. Comm. -- Corporations Division Page 3 of3 Microfilm I Location I Date I Oesniption \ Received 11-1325-006-005 1106/16/1999 IIARTICLES I 12-0243-020-026 1107/19/1999 I!PUB OF ARTICLES I 13-1582-002-624 1106/19/2000 \100 ANNUAL REPORT I 12-0269-044-004 110113112001 IIAGENT ADDR CHG/CORP ADDR CHG 1 13-1627-002-554 1107/25/2001 1101 ANNUAL REPORT I 13-1679-001-294 1110/09/2002 IINOTICE OF PENDING ADMINISTRATIVE DISSOLUTION I 13-1710-002-057 1104/07/2003 IICERTIFICATE OF DISSOLUTION I 13-1749-002-508 1109/04/2003 llMULTIPLE CHANGES I . Corporate Name Search Instructions . General Web Site Usa!!e Instructions . Return to STARPAS Main Menu . Return to A.C.C. Corporations Division Main Paee . Return to Arizona Corporation Commission Home Paee :lltP:l/staroas.cc.state.az.us/cl!i-binlwsnd cl!i.shIWService=wshrnk-"rl Inom"<_rl,,toil n?nomp_;rl={)W7~7Q"" 1 nl;nl1l1, l_; -<. , II c. :~". :~';: c.) (.) AMERICAN EXPRESS CENTURION BANK, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION -- LAW vs. NO. 03-1633 CIVIL TOD SHEDLOSKY, Defendant PRETRIAL CONFERENCE Present at a pretrial conference held on January 28, 2005, were Paul M. Schofield, Jr., Esquire, attorney for the plaintiff, and Carl C. Risch, Esquire, attorney for the defendant. The issue in this case is whether the defendant is personally liable for a balance of more than $51,000.00 on an American Express charge account. The defendant is contending that there is liability on the part of a corporation and, moreover, that said corporation is an indispensable party to this law suit. The plaintiff asserts that it is the defendant who is individually liable. Trial herein has been set for Wednesday, April 13, 2005, at 2:00 p.m. in Courtroom Number 4, Cumberland County Courthouse, Carlisle, PA. Unless the parties agree otherwise, the court will not entertain argument on pretrial dispositive motions as same have not been timely filed. BY THE COURT, ~~~,()IJ Of)- ---1J~. ~/1 K7~' Hess, J. orcr. J'" 31' Lco,) J.lr1 'CCI rr 3: ~,' to .;:~)~nY - Paul M. Schofield, Jr., Esquire For the Plaintiff Carl C. Risch, Esquire For the Defendant Court Administrator :r\m GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 PAUL M. SCHOFIELD, JR., ESQUIRE Identification No.: 81894 21 SOUTH 21ST STREET PHILADELPHIA, PA 19103 215/988-9600 COURT OF COMMON PLEAS CUMBERLAND COUNTY AMERICAN EXPRESS CENTURION BANK vs. DOCKET NO. 03-1633 Civil Tod Shedlosky ORDER '1'0 SETTLE. DISCON'l'INUE AND END TO THE PROTHONOTARY: Kindly mark the above-captioned matter settled, discontinued and ended upon payment of your costs only. BY: FREDERIC I. WEINBERG, ESQUIRE Attorney for Plaintiff P003 ....C,i.:, ~~?~\ ~;~(\ ~'- ~:';,. - p~~ (") C -~ 'CS ~ ~ :;a;:; - Q, :?..... f'nE -c.;~I; -0'-' "OJ \ '::;19, :,~):D c,?C), tl' ~"-\ >-: ~ 0"' -c > r:-? N t>>