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HomeMy WebLinkAbout11-5077SKLAR - MARKIND By: Lloyd S. Markind I.D.'No. 52507 102 Browning Lane Building B, Suite 1 Cherry Hill, NJ 08003 File No.: A1001444 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW AMERICAN EXPRESS CENTURION BANK Plaintiff VS. JASON S. SEBELIN Defendant No. 11- SO-7-7 A10 C C TERM Zm x -t rn-- r- CIVIL ACTION a° -c' = zo mz - z M a 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 judgment 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 Association 32 South Bedford Street Carlisle, PA 17013 Telephone: 717-249-3166 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientas, usted tiene veinte (2) dias de plazo al partir de la fecha de la demanda y la notificaion. Hace falta asentar una comparencia escrita o en persona o con un abogado y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra sya sin previo aviso o notificaion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisioner de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL A LA OFICINA CUY A DIRECION SE ENCUENTRA ESCRITA ABAJO PARA AVERGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 Telephone: 717-249-3166 oaf i pa, 66 Pd Gtlfy CL 1:? IMi 1 1Z 4 d(a079S Lloyd S. Markind, Esquire (ID#52507) Francis J. Skinner, Esquire (ID#80562) Sklar - Markind 102 Browning Ln, Bldg B, Ste 1 Cherry Hill NJ 08003 856/616-8710 Attorneys for Plaintiff FILE NO.: A1001444 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW AMERICAN EXPRESS CENTURION BANK I c/o SKLAR - MARKIND I No. 102 BROWNING LN BLDG B-1 I CHERRY HILL, NJ 08003 I I Plaintiff(s) I CIVIL ACTION I V. I COMPLAINT I JASON S. SEBELIN I 19 BRADFORD PL CARLISLE PA 17015 I Defendant(s) Parties, Jurisdiction and Venue Plaintiff is AMERICAN EXPRESS CENTURION BANK , a corporation engaged in the business of providing consumer credit. 2. Defendant is JASON S. SEBELIN ("SEBELIN"), an adult individual, currently residing at 19 BRADFORD PL, CARLISLE PA 17015. 3. Plaintiff provided a credit card account to Defendant SEBELIN for which Defendant is currently indebted to Plaintiff in the amount of $7,994.85. 4. Jurisdiction and venue are proper in this matter. Count I (Breach of Contract) Plaintiff incorporates the allegations of Paragraphs 1-4 as though fully set forth at length. 6. Plaintiff provided credit to Defendant SEBELIN (by way of an American Express credit card) at Defendant's specific request pursuant to the terms of a written Card Member Agreement (the "Card Agreement"). A true copy of the Card Agreement is attached hereto as Exhibit "A". 7. Defendant agreed to pay for the charges incurred on this credit card as they were billed by Plaintiff. 8. Defendant is currently in default under the terms of the Agreement with Plaintiff by, without limitation, failing to make payment pursuant to the terms of the Card Agreement. 9. At the time of default, Defendant was and remains indebted to Plaintiff in the amount of $7,994.85 as reflected on the statements of account attached hereto and marked Exhibit "B" (the "Statements"). The substance of the Statements includes, without limitation, any and all charges, credits and payments relating to Defendant's account which were kept in the ordinary course of business and summarized as the "previous balance" on the oldest available of the Statements. (Statements for prior months dates are unavailable due to the policy of Plaintiff which requires the purging of such records older than two [2] years.) 10. Although demand has been made upon Defendant for payment of the balance of $7,994.85, Defendant has failed and refuses to pay same. WHEREFORE, Plaintiff demands judgment against the Defendant in the amount of $7,994.85 together with interest and costs of this action. Count II (Account Stated) 11. Plaintiff incorporates the allegations of paragraphs 1-10 as though fully set forth at length. 12. Plaintiff provided credit to Defendant (by way of an American Express credit card) at Defendant's specific request on an account stated. 13. Defendant agreed to pay for the charges incurred on this credit card as they were billed by Plaintiff. 14. At the time of default, Defendant was and remains indebted to Plaintiff in the amount of $7,994.85 as reflected on the statements of account attached hereto and marked Exhibit "B" (the "Statements"). The substance of the Statements includes, without limitation, any and all charges, credits and payments relating to Defendant's account which were kept in the ordinary course of business and summarized as the "previous balance" on the oldest available of the Statements. (Statements for prior months dates are unavailable due to the policy of Plaintiff which requires IN the purging of such records older than two [2] years.) 15. At the time of default, Defendant was and remains indebted to Plaintiff on an account stated in the amount of $7,994.85 as reflected on the statements of account. 16. Although demand has been made upon Defendant for payment of the balance of $7,994.85, Defendant has failed and refuses to pay same. WHEREFORE, Plaintiff demands judgment against the Defendant in the amount of $7,994.85, together with interest and costs of this action. Date: tO Lloyd N. YAarkind, Esquire Francis W Skinner, Esquire Attorney for Plaintiff(s) 102 Browning Ln, Bldg B, Ste 1 Cherry Hill NJ 08003 856/616-8710 VERIFICATION I, Lloyd S. Markind, Esquire, of the law firm of Sklar-Markind, hereby state and verify that my firm is counsel for Plaintiff in this action; that we have reviewed certain documents and/or other records provided to us by Plaintiff (which is located outside the jurisdiction) for the filing of a Complaint in this action; that a substitute Verification executed by an officer or other employee of Plaintiff will be filed as soon as same is received; and that the Complaint filed herewith is true and correct to the best of my knowledge, information and belief. The undersigned understands that the statements made therein are made subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsification to authorities. Dated: a ?' ? ? fi ( Lloyd S. ind, Esquire Attorney for Plaintiff File No.: A1001444 Exhibit A TDR 974970 e CD 26308 (07/09) Welcome to American Express Cardmembership This document and the accompanying supplement(s) constitute your Agreement. Please read and keep this Agreement. Abide by its terms. When you keep, sign or use the Card issued to you (including any renewal or replacement Cards), or you use the account associated with this Agreement (your Account"), you agree to the terms of this Agreement. The words "you, "your" and "yours" mean the person who applied for the Account and the person to whom we address billing statements, as well as any person who agrees to be liable on the Account. The "Basic Cardmember" is the person who opened the Account. At your request, we may also issue a Card on your Account to another person (an Additional Cardmember"). The term "Card" refers to the American Express' Card issued to you, all other Cards issued on your Account, and any other device (such as Account numbers) with which you may access your Account. "We, "our" and "us" refer to American Express Bank, FSB, the issuer of your Account. Using the Card You may use the Card to obtain goods and services from any person who accepts the Card. Transactions you make in response to promotional offers from us will be subject to the terms of the promotion and this Agreement. All amounts charged to your Account, including charges for purchases, annual fee(s), if any, any amounts guaranteed by use of the Card, other fees, and any Finance Charges, are "Charges" You agree not to let any person use a Card except a Cardmember whose name is on it. You agree to notify us if the Card is lost or stolen, or you suspect that it is being used without your permission. You agree to use the Account only for purchases that are )awful and are permitted under this Agreement. Except as otherwise required by applicable law, we will not be responsible if any merchant refuses to honor the Card or for any other problem you may have with a merchant. The Card has no pre-set spending limit. Each Charge is evaluated in light of your spending and payment patterns on your Account and other accounts you may have with us and our affiliates, your credit history, including experience with other creditors, and your personal resources known to us. We reserve the right to deny any request for authorization for a Charge. We may also request additional information from you at anytime. We may issue you renewal or replacement Cards before a previously issued Card expires. if you or an Additional Cardmember authorize a third party to bill Charges on a recurring basis to your Account ("Recurring Charge(s)"), we may (but are not required to) provide such third party with your current Account status, Card number and/or expiration date to permit that third parry to continue billing your Account. We may take such steps even if your account number changes or if we issue a renewal or replacement Card to you or an Additional Cardmember. To withdraw authorization for a Recurring Charge, you must notify the third party. Promise to Pay You promise to pay all Charges, including Charges incurred by Additional Cardmembers, on your Account. This promise includes any Charge for which you or an Additional Cardmember indicated an intent to incur the Charge, even if you or the Additional Cardmember have not signed a charge form or presented the Card. You also promise to pay any Charge incurred by anyone that you or an Additional Cardmember let use the Card, even though you have agreed not to let anyone else use the Card. Status of and Responsibility for Additional Cardmembers Additional Cardmemhers do not have accounts with us. Instead, they are authorized users on your Account, and the Cards issued to them may be canceled by you or us at any time. You must notify us to revoke an Additional Cardmember's permission to use your Account. You are responsible under this Agreement for all use of your Account by the Additional Cardmembers, and by anyone else you or an Additional Cardmember lets use the Card, and the Charges they incur will be billed to you. You have this responsibility even if you did not intend for an Additional Cardmember, or other person, to use the Card for any transactions. An Additional Cardmember is not liable for Charges incurred by the Basic Cardmember or by other Additional Cardmembers. However, by each use of the Additional Card to incur Charges, the Additional Cardmember indicates his or her agreement to pay us for the Charge if you fail to or refuse to pay it, and we may, at our discretion, pursue Additional Cardmembers for payment of Charges they incur or authorize. You authorize us to provide Account information to Additional Cardmembers and to discuss the Account with them. You agree to notify each Additional Cardmember, at the time he or she becomes an Additional Cardmember, that we may receive, record, exchange and use information about him or her in the same manner we do with information about you, as described below in the Consumer Reports, Telephone Communications, and Suspension/Cancellation sections of this Agreement. You agree to notify each Additional Cardmember that Additional Cardmembers are subject to all applicable provisions of this Agreement. Flexible Payment Features We may advise you that we have added or may add one or more special plans to your Account that permit you to extend payment on various Charges designated by us. In this Agreement, each of these special plans is called a "Feature" These Features include, but are not limited to, Sign & Travel," Extended Payment Option, and certain promotional offers we may make. The Sign & Travel Feature permits you, if eligible, to extend payment for airline tickets, cruise ship tickets, prepaid tour packages, certain Charges made outside of the U.S. and any other Charges designated by us. To elect to use this Feature, if you are eligible, you must either advise the travel agent, airline, or other travel industry merchant that you wish to do so when giving your Account number for payment at the time of purchase, or follow other procedures prescribed by us. The Extended Payment Option permits you, if eligible, to extend payment for all eligible Charges by advising us one time that you wish to do so. If this Feature is added to your Account, all of your eligible Charges will be billed under the Extended Payment Option Feature of your Account. Eligible Charges means those individual Charges that are at or above the dollar amount disclosed to you when you enroll in this Feature, or any other amount designated by us. The following are examples of Charges that are not eligible Charges: Express Cash, American Express' Travelers Cheques, American Express' Gift Cbeques, Privileged Assets', insurance, real estate and other transactions determined by us. We may change our designation of what Charges are eligible for the Sign & Travel Feature and/or the Extended Payment Option at any time. However, any Charge that would cause the total of outstanding Feature balances to exceed $35,000 (unless we notify you of a different amount) will not be eligible for extended payment. Any Charges that are not eligible for extended payment, or any otherwise eligible Charges for which you have elected not to extend payment, will be due in full upon your receipt of the billing statement. Additionally, any Charges incurred by a Cardmember who is not eligible to use one of the Features will also be due in full upon your receipt of the billing statement. Even if your Account is not enrolled in a Feature, you may request to transfer the pay-in-full balance, or a portion thereof, to a Feature, and extend payment of those amounts over time. We may approve or decline your transfer request in whole or in part at our sole discretion. Any portion of the pay-in-full balance not authorized by us for transfer to a Feature most be paid in full upon your receipt of the Account billing statement. Billing Statements You must notify us immediately of any change in the mailing or e-mail address to which we send billing statements or notices that a billing statement has been posted ("Billing Address"). If you wish a Billing Address change to apply to more than one account you maintain with us, you must tell us. You agree that we may also update your Billing Address if we receive information that your Billing Address has changed or is incorrect. We apply those terms of this Agreement that vary by state according to your Billing Address. When we receive information that you have changed your Billing Address, those terms of this Agreement that vary depending on the state of your Billing Address will apply to the entire balance of your Account, including existing balances. Amount Due Each billing statement will reflect a New Balance and an Amount Due. The Amount Due" is the total of (i) all Charges on your Account other than those associated with Features, plus (ii) the Flexible Minimum Amount Due (described below) for any Charges associated with Features, plus (iii) any portion of any previously billed Amount Due that remains unpaid. The Amount Due is due and payable once you receive the billing statement. Flexible Minimum Amount Due If you have Charges associated with Features on the Closing Date of the billing statement ("Flexible New Balance'), your billing statement will reflect a Flexible Minimum Amount Due ("Minimum Amount Due"). Payment is due by the time and date shown and in the manner prescribed on the statement. The Minimum Amount Due will not exceed your Flexible New Balance. You may pay more than the Minimum Amount Due, up to the entire outstanding balance, at any time. To calculate the Minimum Amount Due, we take the greatest of the following amounts and round the result to the nearest whole dollar: (a) 2% of the Flexible New Balance; (b) the lesser of. (i) current billed Finance Charges plus 1% of the Flexible New Balance (excluding finance charges from the Flexible New Balance), or (d) 4% of the Flexible New Balance; or (c) $20. Adjusted Minimum Amount Due Summary: If you consistently pay more than the Minimum Amount Due outlined above, and you have paid your amounts due in full, we may calculate your minimum payment without the additional 1% of the balance referenced in (b)(i). Rwe do this, and finance charges are more than 2% of the Flexible New Balance, we may add $15 to your minimum payment. For information about how this works, read the detailed description below. Detailed Description: We may adjust the outlined calculation above by removing "plus I% of the Flexible New Balance" in (b)(i). After the adjustment, if your Minimum Amount Due is equal to the current billed Finance Charges, we will increase your Minimum Amount Due by $15. We will apply the adjusted calculation to your Account if. the sum of your payments (credited to your Flexible New Balance in the six consecutive billing periods ending with the Closing Date of the current billing period) is greater than the sum of the Minimum Amounts Due (for the six consecutive billing periods ending with the Closing Date of the previous billing period, not using the adjusted calculation and including the amount past due in only the first of those six periods); the sum of the Minimum Amounts Due is equal to the sum ofyour payments (defined above) and it is less than or equal to $120; the sum of the Minimum Amounts Due is zero and we used the adjusted calculation in the last billing period when your Minimum Amount Due was not zero; or it is the first billing period ending on or after November 16, 2007, and your Account was opened before that date. If we adjust your Minimum Amount Due, we will do so for at least six billing periods, and if we stop adjusting your Minimum Amount Due, we will not adjust it again for at least six billing periods, regardless of your payment history. Payments All payments must be sent to the payment address shown on your billing statement and must include the remittance coupon from your billing statement. Payment is due upon your receipt of the billing statement. You must pay us in U.S. Y currency, with a single draft or check drawn on a U.S. bank and payable in U.S. dollars, or with a negotiable instrument payable in U.S. dollars and clearable through the U.S. banking system, or through an electronic payment method clearable through the U.S. banking system. Your Account number must be included on or with all payments. If we decide to accept a payment made in a foreign currency, you authorize us to choose a conversion rate that is acceptable to us to convert your remittance into U.S. currency, unless a particular rate is required by law. Payments conforming to the above requirements that we receive no later than the hour specified on your billing statement will be credited to your Account as of the day received; payments conforming to the above requirements that we receive after the hour specified on your billing statement will be credited to your Account as of the following day. if payment does not conform to the requirements stated above, crediting maybe delayed. Lf this happens, additional Charges maybe imposed. We may accept late payments, partial payments or any payments marked as being payment in full or as being settlement of airy dispute without losing airy of our rights under this Agreement or under the law. Our acceptance of any such payments does not mean we agree to change this Agreement in any way. You We that our acceptance of such payments will not operate as an accord and satisfaction without our prior express written approval. Subject to applicable law, we will apply and allocate payments and credits among Features and Charges on your Account in any order and manner determined by us in our sole discretion. In most cases, we will apply and allocate payments to the Minimum Amount Due on Feature balances fast, then to amounts due in full. The remainder of your payment will be applied to any outstanding Feature balances. Amounts applied to Feature balances will be applied first to Feature balances at lower Annual Percentage Rates ("APRs°) and then to higher APR Feature balances. In most cases, we will apply purchase credits first to the balance from which the corresponding debit originated. However, for servicing, administrative, systems or other business reasons, we may apply and allocate payments and credits among Features and to Charges on your Account in some other order or manner that we may determine in our sole discretion. You agree that we have the unconditional right to exercise this discretion in a way that is most favorable or convenient to us. Authorization for Electronic Debit to Your Checking Account When you provide a check as payment, you authorize us to use information from your check to make an electronic fund transfer from your account or to process the payment as a check transaction. If we process your check electronically, funds may be withdrawn from your bank or asset account as soon as the same day we receive your check Also, if we process your check electronically, you will not receive that cancelled check with your bank or asset account statement. Charges on Features A. Finance Charges begin to accrue for each Charge as of the date it is added to the daily balance for a Feature, as described below. However, for Charges (other than Finance Charges) that are added to a balance automatically, no Finance Charges will accrue in any billing period in which the total Account balance on the Closing Date for the previous billing period is zero or a credit balance. In addition, Finance Charges will not accrue during a billing period on any Feature balance if, by the Closing Date of that billing period, payment in full of the New Balance shown on the statement for the previous billing period is credited to your Account; provided, however, that Finance Charges will accrue on transactions added at your request to a Feature balance during the billing period. B. Each Feature is subject to the same Daily Periodic Rate ("DPR"), unless we notify you otherwise. Except as provided below, the DPR for each Feature is based on an APR, which may vary. Except as provided below, the APR is the Prime Rate plus 11.99%. A DPR is 1/365th of the APR. Your DPRs and APRs appear on the accompanying supplement(s). When an APR changes, we apply it to arty existing balance subject to that rate. C. The "Prime Rate" is determined once with respect to each billing period. The Prime Rate for each billing period is the Prime Rate published in the Money Rates section (or successor section) of The Wall Street journal on (a) the first day of that billing period or (b) the day that is two days prior to the Closing Date of that billing period, whichever is higher. In each case, if such a day is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York, or we may substitute a similar reference rate at our sole discretion. Any increase or decrease to an APR resulting from a change in the Prime Rate takes effect as of the first day of the billing period. An increase in the Prime Rate means that the variable APRs (and corresponding DPRs) applicable to your Account will increase and you may incur higher Finance Charges and may have a higher Minimum Amount Due. D. The DPR (and corresponding APR) on all Features may increase to the Default Rate if during the Review Period (i) your Account is delinquent on the Closing Date of any two consecutive billing periods; or (ii) a payment submitted on your Account is not honored. Your Account will be considered delinquent if payment of the Amount Due from a billing period is not credited to your Account by the Closing Date of the next billing period. The "Review Period" is the period, constituting approximately one year, of twelve consecutive billing periods ending with the Closing Date of the current billing period, whether or not you received a statement for each such billing period. If the Default Rate is applied, it will apply to your Account for twelve consecutive billing periods, beginning with the current billing period. The Default Rate will not apply to any balance for Features unless it is higher than the rate that would otherwise apply to that balance. The Default Rate is a DPR which corresponds to an APR equal to the Prime Rate plus 23.99%. Average Daily Balance Method for Calculation of Finance Charges We use the Average Daily Balance method to calculate Finance Charges on your Account. Under this method, we calculate the Finance Charges on your Account by applying the DPR to the Average Daily Balance (as described below) separately for each Feature subject to a different DPR (including current transactions). Different DPRs may be applied to separate Feature balances. To get the Average Daily Balance for each Feature, we (1) take the beginning balance for each day (including unpaid Finance Charges from previous billing periods), (2) add any new transactions, debits, or fees, (3) subtract any pa) ments or credits credited as of that day, and (4) make any appropriate adjustments. For each day after the first day of the billing period, we also add an amount of interest equal to the previous day's daily balance multiplied by the DPR for the Feature. This gives us the daily balance for the Feature for that day acrd the beginning balance for that 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 by the number of days in the billing period. This gives us the Average Daily Balance for that Feature. If you multiply the Average Daily Balance for each Feature by the number of days in the billing period and the DPR 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 by adding the Finance Charges assessed on all Features of the Account. This method of calculating the Average Daily Balance and Finance Charge results in daily compounding of Finance Charges. We may use mathematical formulas which produce equivalent results to calculate the Average Daily Balance, Finance Charge, and related amounts. For example, we may utilize computer programs or other computational methods that are designed to produce mathematically equivalent results while using fewer and/or simpler computational steps than are described in this Agreement. At our discretion, we may exclude certain categories of debit transactions or fees from the calculation of the daily balances. Unless we elect to use a later date, we add a Charge to the daily balance as follows: For Charges (other than Finance Charges) that are added to a balance automatically, we add the Charge to the appropriate daily balance for the Feature as of the transaction date of the Charge. For Charges that are not added to a balance automatically (e.g., in response to a specific transfer request), we add the Charge to the appropriate daily balance for the Feature as of the date we process the request. Periodic Finance (barges are added to the outstanding balance at the end of the billing period for which Finance Charges are calculated In our sole discretion, we also may round any calculations made in determining the Finance Charges on your Account in any way that is convenient to us. Any such rounding may apply to or cause variations in your DPRs. Annual Fees We will bill to your Account an annual fee of $450 for the Basic Card, $175 for up to three Additional Platinum Cards on your Account, and $175 for each Additional Platinum Card after the first three. We will bill your Account an annual fee of $45 for up to five Additional Gold Cards on your Account, and $45 for each Additional Gold Card on your Account after the first five. Late Fees If any portion of the Amount Due on a billing statement is not credited to your Account before the 20th day after the next Closing Date, we may assess a fee of $35 (Iowa $15). In addition, if any portion of that Amount Due is not credited by the following Closing Date, we may assess an additional fee in that same billing period of the greater of $35 or 2.99% of any amount past due (Iowa $15). If any amount past due is not credited to your Account by successive Closing Dates, we may assess a fee equal to the greater of $35 or 2.99% of any amount past due (Iowa $15). Other Fees We may charge the following fees to your Account, subject to applicable law: 1. Dishonored Payments-We may charge a fee of $38 whenever any check, similar instrument, or electronic payment order that we receive as payment on your Account is not honored upon first presentment. If a Card is presented in connection with cashing a check at an American Express Travel Service Office or other authorized location and the check is not honored, we may charge a fee of $38. (We will also add a Charge to your Account in the amount of the check that was not honored.) 2. Account Re-opening Fee-We may charge a re-opening fee of $25 if your Account is cancelled for any reason and you request reinstatement and such request is honored. SuspensionlCancellation In addition to any other actions we may take under this Agreement, we may suspend or cancel your Account, any Feature, or any component of your Account, and/or we may suspend or cancel the authorization of any Additional Cardmember to make Charges to your Account, at our sole discretion at any time, with or without cause, whether or not your Account is in default, and without giving you notice, subject to applicable law. Any such action on our part will not cancel your obligation to pay all Charges due on your Account under the terms of this Agreement in effect at the time of such action or as subsequently amended, and you agree to pay us all such Charges despite any such action. We may advise third parties who accept the Card that the Card(s) issued to you and/or Additional Cardmembers have been canceled. If we cancel the Card or it expires, you may no longer use it and you must destroy it or return it to us or, if we request, to a third party. If you want to cancel the Account or any Additional Cards, you must notify us and destroy the Card(s). If we agree to reinstate your Account after a cancellation, the new Agreement we send you (or, if we do not send you a new Agreement, this Agreement as it may be amended) will govern your reinstated Account. When we reinstate your Account, we may reinstate any Additional Cards issued in connection with your Account, and bill you the applicable annual fee(s). Default We may consider your Account to be in default at any time if you fail to pay us any amount when it is due, or if you breach any other promise or obligation under this Agreement. Subject to applicable law, we may also consider your Account to be in default at any time if any statement made by you to us in connection with this Account or any other credit program was false or misleading; ifyou breach any promise or obligation under any other agreement that you may have with us or with any of our affiliates; if we receive information indicating that you are bankrupt, intend to file bankruptcy, or are unable to pay your debts as they become due; or we receive information leading us to conclude that you are otherwise not creditworthy. In evaluating your creditworthiness, you agree FDR 974970 that we may rely on information contained in consumer reports, and in our discretion we may consider the amount of debt you are carrying compared to your resources or any other of your credit characteristics, regardless of your performance on this Account. We may also consider your Account in default in the event ofyour death. In the event of your default, and subject to any limitations or requirements of applicable law, we may require payment of a portion of your outstanding balance greater than the total Minimum Amount Due, declare the entire amount of your obligations to us immediately due and payable, and/or suspend or cancel your Account, any component of your Account, and/or any Feature that may be offered in connection with the Account. You agree to pay all reasonable costs, including reasonable attomeys fees, incurred by us (1) in connection with the collection of any amount due on your Account, whether or not airy arbitration, litigation, or similar proceedings arc initiated; and (2) in reasonably protecting ourselves from any loss, harm, or risk relating to any default on your Account. Transactions Made in Foreign Currencies If you incur a Charge in a foreign currency, it will he converted into U.S. dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, you authorize us to choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, in each instance increased by 2.7%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. Benefits and Services Subject to applicable law, we have the right to add, modify or delete any benefit, service, or Feature that may accompany your Account at any time and without notice to you. Arbitration Purpose: This Arbitration Provision sets forth the circumstances and procedures under which Claims (as defined below) may be arbitrated instead of litigated in court. Definitions: As used in this Arbitration Provision, the term "Claim" means any claim, dispute or controversy between you and us arising from or relating to your Account, this Agreement, the Electronic Funds Transfer Services Agreement, and any other related or prior agreement that you may have had with us, or the relationships resulting from any of the above agreements ('Agreements"), except for the validity, enforceability or scope of this Arbitration Provision or the Agreements. For purposes of this Arbitration Provision, "you" and "us" also includes any corporate parent, or wholly or majority owned subsidiaries, affiliates, any licensees, predecessors, successors, assigns, airy purchaser of arty accounts, all agents, employees, directors and representatives of any of the foregoing, and other persons referred to below in the definition of "Claims" "Claim includes claims of every kind and nature, including but not limited to, initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity. "Claim" also includes claims by or against any third party using or providing any product, service or benefit in connection with any account (including, but not limited to, credit bureaus, third parties who accept the Card, third parties who use, provide or participate in fee-based or free benefit programs, enrollment services and rewards programs, credit insurance companies, debt collectors and all of their agents, employees, directors and representatives) if and only if, such third party is named as a co-party with you or us (or files a Claim with or against you or us) in connection with a Claim asserted by you or us against the other. The term "Claim" is to be given the broadest possible meaning that will be enforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (a) any of the accounts created under any of the Agreements, or any balances on any such accounts, (b) advertisements, promotions or oral or written statements related to any such accounts, goods or services financed under any of the accounts or the terms of financing, (c) the benefits and services related to Cardmembership (including fee-based or free benefit programs, enrollment services and rewards programs), and (d) your application for any account We shall not elect to use arbitration under the Arbitration Provision for any Claim that you property file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in that court. Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed (the "Code"), except to the extent the Code conflicts with this Agreement. Claims shall be referred to either the National Arbitration Forum ("NAF") or the American Arbitration Association ( AAA'), as selected by the party electing to use arbitration. If a selection by us of either of these organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select the other organization listed to serve as arbitration administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: • NAF at P.O. Box 50191, Minneapolis, MN 55405; website: wwwarbitration-forum.com. • AAA at 335 Madison Avenue, New York, NY 10017; website: www.adr.org. Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM. FURTHER, YOU AND WE WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT ASSET FORTH BELLOW, TI IF ARBITRATOR'S DECISION WILL BE FINAL. AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU OR WE WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. Restrictions on Arbitration: IF EITHER PARTY ELECTS TO RESOLVE A CLAIM BY ARBITRATION, THAT CLAIM SHALL BE ARBITRATED ON AN INDIVIDUAL BASIS. THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY CLAIMS TO BE ARBITRATED ON A CLASS ACTION BASIS OR ON BASES INVOLVING CLAIMS BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC, OTHER CARDMEMBERS OR OTHER PERSONS SIMILARLY SITUATED. The arbitrator's authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator's authority to make awards is limited to awards to you and us alone. Furthermore, claims brought In- you against us, or by us against you, may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision in this Agreement (including but not limited to the Continuation provision below) and without waiving either party's right to appeal such decision, should any portion of this Restrictions on Arbitration provision be deemed invalid or unenforceable, then the entire Arbitration Prmvsion (other than this sentence) shall not apply. Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-I6, as it maybe amended (the "FAA'). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this Arbitration Provision shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. The arbitration proceeding shall not be governed by any Federal or state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the requesting party, within fifteen (15) days of receiving the requesting party's notice. The granting or denial of such a request will be in the sole discretion of the arbitrator, who shall notify the parties ofhis/her decision within twenty (20) days of the objecting party's submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator's decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three- arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel that will conduct an arbitration pursuant to its Code and issue its decision within one hundred and twenty (120) days of the date of the appellant's written notice. The decision of the panel shall be by majority vote and shall be final and binding. Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. You will be responsible for paying your share, if any, of the arbitration fees (including filing, administrative, hearing and/or other fees) provided by the Code, to the extent that such fees do not exceed the amount of the filing fees you would have incurred if the Claim had been brought in the state or federal court closest to your billing address that would have jurisdiction over the Claim. We will be responsible for paying the remainder of any arbitration fees. At your written request, we will consider in good faith malting a temporary advance of all or part of your share of the arbitration fees for any Claim you initiate as to which you or we seek arbitration. You will not be assessed any arbitration fees in excess of your share if you do not prevail in any arbitration with us. Continuation: This Arbitration Provision shall survive termination of your accounts as well as voluntary payment of the Account balance in full by you, any legal proceeding by you or us to collect a debt owed by the other, any bankruptcy by you or us, and any sale by us of your Account (and in the case of sale, its terms shall apply to the buyer of any of your Account). Except as otherwise provided in the Restrictions on Arbitration provision above, if any portion of this Arbitration Provision (other than the Restrictions on Arbitration provision) is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement or any predecessor agreement you may have had with us, each of which shall be enforceable regardless of such invalidity. Waiver Our failure to exercise any of our rights under this Agreement, our delay in enforcing any of our rights, or our waiver of our rights on any occasion, shall not constitute a waiver of such rights on any other occasion. Consumer Reports You authorize us to request consumer reports about you, to make whatever credit investigations we deem appropriate, to obtain and exchange any information we may receive from consumer reports and other sources, and to use such information for any purposes, subject to applicable law. You authorize us to furnish information concerning your Account to consumer reporting agencies, or others, subject to applicable law. If you believe information we have furnished about your Account to a consumer reporting agency is inaccurate, you should write to us at: American Express Credit Bureau Unit, P.O. Box 7871, Ft. Lauderdale, FL 33329-7871 and identify the specific information you believe is inaccurate. You are hereby notified that information about your Account that may have a negative impact on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. 'T'elephone Communications You agree that from time to time we may monitor and/or record telephone calls between you (or Additional Cardmerribers on your Account) and us to assure the quality of our customer service or as required by applicable law. FDR 974970 " You authorize us to call or send a text message to you at any number you give us or from which you call us, including mobile phones. You authorize us to make such calls using automatic telephone dialing systems for any lawful purpose, including but not limited to: suspected fraud or identity theft; Account transactions or servicing; offers of American Express products and services; and collecting on your Account. You authorize us to place prerecorded calls in connection with the status of your account, or security and identity theft matters. You agree to pay any fees or charges you incur for incoming calls or text messages from us without reimbursement. Privacy Act of 1974 Notification Use of the Card at Federal Government Agencies American Express has entered into contracts that enable the Card to be accepted at certain federal government agencies and departments (Agencies"). As with Card transactions at commercial establishments, when you choose to use your Card at an Agency, certain Charge information is necessarily collected by us. Charge information from Card transactions at Agencies maybe used for routine uses, such as processing Charges and payments, billing and collections activities and may be aggregated for reporting, analysis and marketing activities. Additional "routine uses of Charge information by Agencies are published periodically in the Federal Register. Insurance Products Notice We identify insurance providers and products that may be of interest to you. In this role we may act on behalf of the insurance provider, as permitted by law. We receive compensation from insurance providers that may vary by provider and product. Also, we may receive additional compensation or financial benefit when AMEX Assurance Company or another American Express entity acts as the insurer or reinsurer for these products. The arrangements we have with providers, including the potential to insure or reinsure products, may also influence what products and providers we identify. Notices Any notice given by us shall be deemed given when deposited in the U.S. mail, postage prepaid, addressed to you at the latest Billing Address shown on our records. Changing this Agreement/Assignment of this Agreement We may change the terms of or add new terms to this Agreement at airy time, in accordance with applicable law. We may apply any changed or new terms to any then-existing balances on your Account as well as to future balances. This written Agreement is a final expression of the agreement between the creditor and the debtor and the written Agreement may not be contradicted by evidence of any alleged oral agreement. We may also sell, transfer or assign this Agreement and the Account at any time without notice to you. You may not sell, assign or transfer your Account or any of your obligations under this Agreement. Assignment of Claims In the event you dispute a Charge and we credit your Account for all or part of such disputed Charge, we automatically succeed to, and you are automatically deemed to assign and transfer to us, any rights and claims (excluding tort claims) that you have, had or may have against any third party for an amount equal to the amount we credited to your Account. After we make such credit, you agree that without our consent you will not pursue any claim against or reimbursement from such third party for the amount that we credited to your Account, and that you will cooperate with us if we decide to pursue the third party for the amount credited. Applicable Law This Agreement and your Account, and all questions about their legality, enforceability and interpretation, are governed by the laws of the Stale of Utah (without regard to internal principles of conflicts of law), and by applicable federal law. We are located in Utah, hold your Account in Utah, and entered into this Agreement with you in Utah. AMERICAN EXPRESS BANK, FSB To American Express Cardmembers In The United States and Its Territories Your Billing Rights - Keep This Notice for Future Use This notice contains important information about your rights and our responsibilities under the "Fair Credit Billing Act" Notify Us in Case of Errors or Questions About Your Account Statement If you think your statement is wrong or if you need more information about a transaction on your statement, write us on a separate sheet of paper at the address for billing inquiries listed on your statement. Write to 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 error or problem appeared. You can also telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and Account number. • The dollar amount of the suspected error. • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your Account statement automatically from your savings, checking or other account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within thirty (30) days, unless we have corrected the error by then. Within ninety (90) days, we must either correct the error or explain why we believe the statement was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including Finance Charges, and we can apply any unpaid amount against your credit line. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your statement that are not in question. If we find that we made a mistake on your statement, you will not have to pay any Finance Charges related to any questioned amount, fl we did not make a mistake, you may have to pay Finance Charges, and you will have to make up any missed payments on tine questioned amounts. In either case, we will send you a statement of the amount you owe and the date that it is due. If you tail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your statement, and we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we do not follow these rules, we cannot collect the first $50 of the questioned amount, even if your statement was correct. Special Rule for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with the Card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations to this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Note for Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Once you enroll in Express Cash (Call 1-800-CASH-NOW), Pay By Computer, Pay By Phone Or any other American Express Electronic Funds Transfer service (hereafter the "Program"), you will be subject to this Electronic Funds Transfer Agreement (the "EFT Agreement"). Scope of Agreement This EFT Agreement covers your participation in the Program. In this EFT Agreement, the words "you" and "your" refer to the Basic Cardmember and also include all Additional Cardmenbers who have enrolled in the Program. The words "we, "our" and "us" refer to American Express Travel Related Services Company, Inc. The words "your American Express Accounts" refer to your Card Account or any other American Express Accounts that we permit you to enroll in the Program. The words "your Bank Account" refer to the account held by a bank, securities firm or other financial institution from which payment will be made when you make transactions under the Program. The words "your bank" mean the bank, securities firm or other financial institution that holds your Bank Account. The words "other options" refer to electronic payment transfer options and/or other cash access that American Express may make available from time to time, including the option to pay your Card Account bill electronically using a computer, phone or other device. Participating in the Express Cash Program will enable you to use the Card to obtain cash from Automated Teller Machines ("ATMs") operated by any bank or financial institution that participates in the Express Cash Program. The Card Account is governed by the Cardmember Agreement that is attached to this EFT Agreement. That agreement and the capitalized terms in it also apply here. Personal Identification Number In connection with your participation in the Program, we have issued to you or allowed you to choose your own Personal Identification Number ("PIN"). Each time you wish to obtain cash at an ATM you must supply your PIN and use or present the Card. To ensure that no unauthorized transactions are made under the Express Cash Program, you should take all reasonable precautions to prevent any other person from learning your PIN or using the Card. For example, never keep any material containing your PIN attached to or with the Card. Other electronic funds transfer options may or may not require the use of a PIN. Limits on Obtaining Cash or Cheques The limit on the amount of cash that you and Additional Cardmembers on your American Express Accounts may obtain from ATMs is $10,000 in any 30-day period. We may impose additional limits at our sole discretion (in addition to any limits imposed by the ATM's operator). Payments for Cash Transactions Each time you initiate a transaction under the Program, you instruct and authorize us or our agent to draw a check or initiate an automated clearing house ("ACH") debit in your name on your Bank Account, payable to us or to our agent, in the amount of the transaction. The amount of the transaction is the total of (i) the amount of any cash you received or other funds transfer you authorized, (ii) the amount of any other goods or services obtained, and (iii) any fees imposed for use of the ATM by its operator. Fees We may charge a fee to the Card Account for each Express Cash transaction at an ATM. This fee will be 3% of the amount of the transaction, with a minimum of $5. The amount of the transaction is the total of (i) the amount of any cash you received or other funds transfer you authorized, (ii) the amount of any other goods or services obtained, and (iii) any fees imposed for use of the ATM by its operator. In addition, for each transaction your bank may assess its customary transaction fee or per-check or item handling charge, if any. We may also charge a fee of $38 for each check or ACH debit drawn by us or our agent in connection with the Program that is not honored upon first presentment, subject to applicable law. Your bank may also assess its customary charge for such items, if any. Dishonored Requests for Payments If any check or ACH debit drawn by us or our agent in connection with the Program is not honored by your bank, we have the right to charge the amount of any such transaction, and the dishonored payment fee referred to above, to the Card Account or to collect the amount from you. if this happens, we may cancel your right to participate in the Program. FDR 974970 For certain Bank Accounts, you may have a separate I' agreement with us or with a participating bank, securities firm, or other financial institution that allows a line of credit to be accessed in the event that your Bank Account contains insufficient funds to make payment to us. You should refer to the appropriate agreement relating to that line of credit for the terms and conditions that govern its use. Liability for Unauthorized Transactions and Advisability of Prompt Reporting You must tell us AT ONCE if you believe the Card or your PIN has been lost, stolen or used without your permission. Telephoning is the best way of minimizing possible losses. If a transaction was unauthorized, and within two days after you learn about it you notify us that the transaction was unauthorized, we will not hold you liable for that transaction. In any event, even if you fail to notify us, your liability for any unauthorized transaction or series of related unauthorized transactions shall not exceed $50. If you believe the Card or your PIN has been lost or stolen or that someone has transferred or may transfer money from your Bank Account without permission call: 1-800-528-4800 (within U.S.) or 1-336-393-1111 (outside U.S.) anytime, or write: American Express Credit Department, P.O. Box 53830, Phoenix, Arizona 8.5072-3830. Outside the United States, you may also contact any American Express Travel Service location to report a loss or theft of the Card or your PIN. Our Liability for Improper Transactions or Payments If a transaction is not completed as you have directed or if we do not complete a transfer to or from your Bank Account on time in the correct amount, we will research and correct it as necessary, once you advise us. We will also reimburse you for your actual losses or damages, if any, caused by our error. However, there are some exceptions. We will not be liable to you in the following instances: • if, through no fault of ours, your Bank Account does not or did not contain enough money to complete the transaction or the transfer would exceed an established credit limit; • if the funds in your Bank Account are or were at the time of the attempted transaction subject to legal process or other encumbrance restricting the transaction; • if the ATM or other location where you are making the transaction did not have enough cash; • if the ATM was not working properly and you knew this at the time you started making the transaction; • if circumstances beyond our control (such as fire or flood) prevent or prevented the transaction, despite reasonable precautions that we have taken; • if a technical malfunction known to you prevented the transaction; or any other exceptions stated in this EFT Agreement. Business Day For purposes of this EFT Agreement, our business days are Monday through Friday. Holidays are not included. Arbitration The Card Account is governed by the Cardmember Agreement contained herein. The Arbitration provision contained within that agreement applies to this EFT Agreement. Please refer to that provision as you read this EFT Agreement. Privacy Electronic funds transfers you initiate pursuant to this EFT Agreement are covered by the American Express Privacy Policy, a copy of which was given to you together with your American Express Card. To view our Privacy Policy online, please visit americanexpress.com. How to Contact Us If for any reason you wish to contact us about the Program, about your participation in the Program, or about transactions relating to the Program, write or call us as follows: Address: American Express Travel Related Services Comparry, Inc., Electronic Funds Services, P.O. Box 297815, Ft. Lauderdale, FL 33329-7815 or e-mail us by clicking on the Customer Service link online at www.americanexpress.com. Telephone:)-800-CASH-NOW, 24 hours a day, seven days a week. In Case of Errors or Questions About Your Transactions Write or call us at the number or address given above as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction listed on your 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. If you are delayed in contacting us due to extenuating circumstances (such as a hospital stay), we may extend this 60 days for a reasonable time. 1. Tell us your name and Card Account number. 2. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days, from the date you notified as. We will tell you the results of our investigation within 10 business days* after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this we will assure that your bank recredits your Bank Account within 10 business days* for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days* following your oral notification, we may not recredit your Bank Account. For transactions initiated outside the United States (and in the event there are transfers resulting from any point-of-sale debit card transactions), we will have 90 calendar days to complete our investigation, unless otherwise required by law. If notification of an error is received within 30 calendar days after your Bank Account is opened, we will have 20 business days to provide you with the results of our investigation and correct any error and 90 days to complete the investigation. If we determine that there was no error, we will send you a written explanation within three business days after we finish our investigation. Upon your request we will provide you with copies of the documents that we used in our investigation. If we have provisionally recredited your Bank Account during the investigation and determine that there was no error, we will notify you of the date on which we will redebit your Bank Account, and the amount to be debited. You authorize us or an agent to debit your Bank Account for this amount. You should make certain that your Bank Account contains sufficient funds to cover this debit. If it does not, we have the right to charge such amount to the Card Account or to collect the amount from you. If this happens, we may cancel your right to participate in the Program. Termination We, or any bank or financial institution participating in the Program, may add to or remove from the Program any or all ATMs or extend or limit the services provided at any location without notifying you beforehand. In addition, the may discontinue the Program at anytime. Your right to participate in the Program will be terminated or suspended if the Card Account is cancelled or suspended, if you cancel the authorization you have given your bank to directly charge checks to your Bank Account, if the Bank Account from which payment will he made when you make transactions under the Program is closed to withdrawal transactions by us or our agents, if your participation in the Program is inactive for 18 consecutive months or more, or if the Card Account is no longer in good standing. In addition to the foregoing, we may revoke your right to participate in the Program, at any time, at our sole discretion, with or without cause, subject to applicable law. If we do so, we will send you written notice. but we may not send you the notice until after die revocation. 'Ale also have the right to deny authorizat on for any requested transaction, at any time, at our sole discretion, with or without cause, and without giving you notice-s. bject to applicable law. You may terminate your participation in the Program but you must do so by writing to us at the address disclosed in the Section of this EFT Agreement entitled How to Contact Us. Prior Agreements and Assignments This EFT Agreement supersedes all prior agreements you may have with us relating to the Program. We have the right to assign this EFT Agreement to a subsidiary or affiliate company at any time. AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. Note for Massachusetts Residents General Disclosure Statement: Any documentation provided to you which indicates that an electronic funds transfer was made shall be admissible as evidence of such transfer and shall consti tute prima facie proof that such transfer was made. The initiation by you of certain electronic funds transfers from your Bank Account will, except as otherwise provided in this EFT Agreement, effectively eliminate your ability to stop payment of the transfer. UNLESS OTHERWISE PROVIDED IN THIS EFT AGREEMENT YOU MAY NOT STOP PAYMENT OF ELECTRONIC FUNDS TRANSFERS; THEREFORE, YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PURCHASES OR SERVICES UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT. Disclosure of Account Information to Third Parties: If you give us your written authorization to disclose information about you, your Card Account or the transactions that you make to any person, that authorization shall automatically expire 45 days after we receive it. Optional Limit on Obtaining Cash:h You have the option to request that we limit the total amount of cash that you may obtain from ATMs in a single day to $50. If you elect this option we will take all reasonable steps to comply with your request. For Your Safety When Using an ATM, Please Observe the Following: If the ATM you are using is inside a building, dose the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have a card. There may be occasions when non-authorized users gain access to an ATM machine that are beyond an individual's control. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN number on or near the Card. Do not give your PIN number to anyone else. In case of an emergency, call 911. Complaints concerning security at an American Express Dispenser should be directed to the address listed under How to Contact Us. Note: Activity is being recorded by hidden cameras at ATM locations in New York City andlor as required by local regulations. For Massachusetts residents: 10 calendar days instead of business days. Program Description Return Protection offers you guaranteed product satisfaction on designated items purchased entirely with an eligible American Express Card. If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding stripping and handling, and up to a maximum of $1,000 annually per Cardmember Account. )low to File a Return Protection Request Once you have verified that the merchant will not accept the designated item, call 1-800-297-8019 within 90 days of the purchase date to notify us of your request. Within 30 days from the date of your initial call, we need to receive the following: • Original store receipt • American Express Card record of charge • Any other items deemed reasonable by us to process your request Once your request has been approved, you will be instructed to send the purchased item to us within 30 days. Please keep a record of your shipping statement, as you will need to provide proof of shipping in the event that your designated items are not received. You are responsible for the shipping and handling charges for the item. The refund - up to $300 per item and up to a maximum of $1,000 per Cardmember per year - will be reimbursed to you. Limitations Purchases must be made in the United States and charged in full on your Card. A refund will not be paid if, on the date we FDR 974970 receive your Return Protection Request, or on the date of would-be payment, any amount on your Card Account is past due for one or more billing cycle(s) or your Card is canceled. Refunds are limited to $300 per designated item, and $1,000 annually per Cardmember Account. The item must be in "like new" condition (not visibly used or wom) and in working order to be eligible. An item is eligible if it may not be returned by the Cardmember to the merchant from which it was originally purchased. Any item purchased from a merchant that has an established return/ satisfaction guarantee program which is greater than or equal to the terms of Return Protection, and provides coverage for claim, will not be eligible for a Return Protection Refund. Product rebates, discounts or money received from lowest price comparison programs will be deducted from the original cost of the item. The maximum you will be compensated will not exceed the manufacturer's suggested retail price. Items not eligible for a refund are: animals and living plants; one-of-a-kind items (including antiques, artwork, and furs); limited edition items; going-out-of-business sale items; consumable or perishable items with limited life spans (such as perfume, light bulbs, non-rechargeable batteries); jewelry (including, but not limited to, loose gems, precious stones, metals, and pearls); watches; services and additional costs (such as installation charges, warranties, shipping, or memberships); rare and precious coins; used altered, rebuilt and refurbished items; custom-built items, cellular phones; pagers; compact discs; digital video discs; mini discs; audiotapes; videotapes; computer software; firmware (such as console games, Nintendo, etc.); maps; books of any kind; health care items (such as blood pressure machines and diabetes equipment); formal wear; tickets of any kind; motorized vehicles (such as cars, trucks, motorcycles, boats, or airplanes) and their parts; land and buildings; firearms; ammunition; negotiable instruments (such as promissory notes, stamps and travelers checks); cash and its equivalent; and items permanently affixed to home, office, vehicles, etc., (such as garage door openers, car alarms). If you have any questions regarding a Return Protection Request or the Return Protection program, please call our Customer Service Department at 1-800-297-8019. Description The emergency services herein described are provided to all United States American Express" Platinum Card" and Centurion' Card members, including their Additional Cardmembers, with a Card on an Account that has not been suspended or canceled, who are traveling on a trip of 90 days or less, and 100 miles or more from the Cardmember's American Express U.S. billing address. Additionally, coverage is extended to each of the following members of the Cardmembefs family who are traveling with the Cardmember: the Cardmembers spouse, dependent children under the age of 23, and children under the age of 26 who are enrolled in school on a full-time basis. Access Access to the services herein described can be made 24 hours a day by means of the following: within the United States and Canada, via toll-free telephone call to 1-800-345-AMEX (1-800-345-2639); from outside the United States and Canada via a collect telephone call to 1-715-343-7979 or via fax to 1- 715-345-1219. Services Premium Global Assist (PGA) shall provide, at no cost except as specifically noted herein, the following emergency services to covered Cardmembers and their family members: A. Pre-trip information is available to the covered Cardmember. Information will include the weather report for many destinations, exchange rates, and information concerning customs, inoculations and visa requirements. B. Emergency information will be provided via telephone by a PGA-designated physician or assistance coordinator on the PGA staff, when the Cardmember is unable to get assistance locally. Information will include the names, local addresses and local telephone numbers of the nearest medical service provider, such as hospitals and clinics; attorneys; or other providers of emergency services such as U.S. consulates or embassies, or American Express Travel Service locations* as appropriate and as dictated by the resources available in each country or location. Wherever possible, such information will be provided on two or more emergency services providers. No guarantee is made as to the quality of the emergency service provided, and the final selection of the provider, and any risk, shall be the sole responsibility of the Cardmember. C. Medical transport and evacuation will be provided, at no cost, to the covered Cardmember or family member, to another, more appropriate medical facility, when the covered Cardmember or family member is under the care of a local medical service provider or facility and when the PGA- designated physician, in consultation with the local medical service provider or facility, determines that such transport is medically necessary and advisable due to inadequacy of local facilities. Cardmembers will be evacuated to the closest adequate medical facility as determined by American Express. Eligibility for medical transport is contingent upon the covered Cardmember or family member not 1) traveling against physician's advice or 2) traveling with a pre-existing sickness, illness or injury'*, or 3) traveling to seek medical treatment. Decisions made by the PGA-designated physician and the local medical service provider as to 1) the medical need for evacuation, transportation and/or repatriation services, 2) the means and/or timing of any transportation, medical equipment and supplies and medical personnel to be used in connection therewith and 3) the selection of the Cardmembers final destination, arc medical decisions based on medical factors, and as such, are beyond the control of the PGA Program and shall be conclusive in determining the need for such services. Very hupo Cant: Any risks and costs for medical transport not authorized and arranged through the PGA Program are solely the responsibility of the Cardmember and such costs will not be reimbursed. PGA does not cover medical expenses (with the exception of cost incurred during the transport) nor transportation ofpersonalpossessions including luggage. 1). Medical assessment, coordination and monitoring of treatment of the covered Cardmember or family member will continue, by all reasonable means, where medically advisable, until the Cardmember or family member is released from treatment or is sent home. These steps will include an initial follow up by the PGA-designated physician with the local medical service provider or facility to discuss the preliminary diagnosis and evaluate the recommended treatment, and a contact by the PGA-designated physician or coordinator with the local medical service provider or facility, and/or the Cardmember, as frequently as every other day throughout the hospital treatment period to monitor the Cardmembers or family members progress for the purpose of determining the adequacy and necessity of the treatment being provided. E. Minimize the Cardmembers financial inconvenience in an emergency as follows: I. When the Cardmember has indicated to the PGA administrative coordinator that he/she has health insurance that would cover the services in question, the administrative coordinator on staff will first ask the local medical service provider or facility to bill the Cardmember's insurance company and, if the local medical service provider or facility is unwilling to do that, ask them to bill the Cardmember directly, rather than requiring the Cardmember to pay on site. 2. When a local medical service provider or facility refuses to provide needed medical services to a covered Cardmember or family member without being guaranteed an advanced payment for such services, the PGA Program will, with the Cardmember's authorization, endeavor to obtain such payment from the Cardmember's family or other individuals indicated by the Cardmember, or, with the authorization of the Cardmember, will guarantee such payment and, if necessary, advance such payment up to a limit of U.S. $:1,000 and charge the Cardmember's Account for the payment amount, subject to charge authorization by American Express. 3. Tf necessary, the PGA Program will endeavor to secure and properly post bail bonds, where available, the bonding cost to be born by the Cardmember. F - Other emergency transportation services will be provided to covered Cardmembers in a medical emergency: 1. If a Cardmember is traveling alone or with a child 16 years old or younger, or if a traveling companion who is not a family member has been required to leave the Cardmember, the PGA Program will arrange and pay for round-trip, economy-class transportation for a member of the Cardmember's family to travel to the place of treatment, if it is reasonably anticipated that the covered Cardmember will be hospitalized for ten consecutive days or more. The PGA Program will not be responsible for the cost of the family member's meals or accommodations. 2. If the children covered tinder the PGA Program, who are 16 years old or younger, are left unattended at the time of the Cardmember's injury or sickness, the PGA Program will arrange and pay for one-way economy- class transportation to return them to their principal residence. (Any additional costs are the responsibility of the Cardmember.) Should it be necessary for an attendant to accompany the children, the PGA Program will make arrangements for a qualified escort to accompany the children at no cost to the Cardmember. 3. If a decision is made to evacuate a Cardmember to another medical service facility, the PGA Program will arrange and pay for one-way, economy-class, transportation for one other covered family member traveling with the Cardmember to the Cardmember's principal residence, provided that the other family member's ticket has become invalid as a result of the Cardmembees illness or injury. G. Emergency message transmission will be made through the best efforts of the PGA Program on behalf of, and at the request of, the sick or injured Cardmember to the Cardmember's immediate family, next of kin, and a reasonable number of business associates. II. Help in coordinating the replacement of identification information and other documentation, such as passports and visas, will be provided through the best efforts of the PGA Program, if these documents have been lost or stolen. 1. In case of death of a covered Cardmember or family member while traveling, the PGA Program will provide the necessary administrative services to effect the transportation of the mortal remains of the covered individual back to the Cardmember's principal place of residence or place of burial, whichever is closer, and will pay all administrative and transportation expenses, and, subject to PGAs approval, the cost of a coffin or other encasement of the remains suitable for travel. Note The above services may be limited or prevented by act of God, war, civil commotion, labor disputes, unavailability of goods or services, or n fowl o f permission by local authorities. If you have questions about the Premium Global Assist Program, please call the Customer Service number on the back of your Card. Important Instructions " Always have your Account number ready when calling PGA. Please note that the PGA must arrange all medical and covered family member's transportation. PGA will not reimburse you for expenses you incur on your own. • Whenever possible, call collect from overseas. In some countries, long distance calls may require operator assistance, and collect calls may not be possible in some countries. • When dialing direct, give a phone number and exact location (hotel, city, street, etc.) where you can be reached. 'Travel Service Locations ofAmerican Express Travel Related Services Company, Inc. its affiliates and representatives worldwide. "**A pre-existing sickness, illness, or injury is any medical condition that has manifested itself, become acute, or was being treated in the 60-day period immediately prior to the start of a trip. The information below summarizes the terms and conditions of the Extended Warranty plan (formerly the Buyer's Assurance Plan). Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 and is subject to change with notice. This document does not supplement or replace the Policy. Please call us at the number on back of your American Express Card for a complete copy of your terms and conditions. Extended Warranty will extend the terms of the original manufacturer's warranty for a period of time equal FDR 974970 to the duration of the original manufacturer's warranty, up to one (1) additional year (Centurion Cardmembers up to three (3) additional years) on warranties of five (5) years or less that are eligible in the United States of America. Description of Benefits Where a loss has occurred during this plan's extended warranty time period of up to one (1) additional year (Centurion Cardmembers up to three (3) additional years), we will provide a benefit equal to the coverage of the original manufacturers warranty on warranties of up to five (5) years. We will pay up to the actual amount charged to your account for the product for which a loss is claimed, but not to exceed $10,000. If the product also is covered by a purchased service contract, this plan's extended warranty time period begins at the end of the service contract and extends the original manufacturer's warranty for a period of time equal to that warranty, up to one (1) additional year (Centurion Cardmembers up to three (3) additional years). If the combined coverage of the original manufacturers warranty and the purchased service contract exceed five (5) years, the product purchased is not eligible under this plan and no coverage applies. Extended Warranty does not reimburse for shipping and handling expenses or installation, assembly, professional advice, maintenance or other service charges. If you experience more than one loss in a calendar year, we will pay an amount not to exceed $50,000 for all losses in a calendar year. Our benefit payment will not include any product rebates, discounts or money received from the lowest price comparison programs that reduced the original cost of the property. Exclusions Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by: 1. any physical damage, including, but not limited to, damage as a direct result of natural disaster or a power surge, except to the extent the original manufacturer's warranty covers such damage; 2. mechanical failure covered under product recall; or 3. fraud or abuse or illegal activity of any kind by the cardmember. Purchases Not Covered The following are not covered: 1. products covered by an unconditional satisfaction guarantee; 2. motorized vehicles (including, but not limited to, passenger cars, trucks, motorcycles, boats, airplanes) and their parts, subject to high risk, combustible, wear and tear or mileage stipulations (including, but not limited to, batteries, carburetors, pipes, hoses, pistons, brakes, tires, or mufflers); 3. motorized devices and their parts used for agriculture, landscaping, demolition or construction; 4. motorized devices and their parts which are permanent additions or fixtures to a residential or commercial building; 5. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters; 6. land or buildings; 7. consumable or perishable items; 8. animals or living plants; 9. more than one article in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection; 10. items still under installment billing; 11. additional service contract or extended warranty coverage for a computer, computer component or part that you buy which already comes with an original United States of America manufacturer's warranty, unless such coverage is provided and administered by the original manufacturer; and 12. items purchased for resale, professional, or commercial use (this does not apply to OPEN Cardmembers). General Provisions Excess Coverage if any loss under this policy is insured under any other valid and collectible policy, then this policy shall cover such loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such loss is in excess of the amount of such other insurance which is payable or paid. Termination or Cancellation Coverage will cease on the earliest of the following: L the the date you no longer maintain a permanent residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands; 2. the date we determine that you or someone on your behalf intentionally misrepresented or fraud occurred; 3. the date the policy is cancelled; 4. the date you are no longer a cardmember• 5. the date your account ceases to be current and in good standing; or 6. the date the plan is not available in the location where you maintain a permanent residence. Termination or cancellation of coverage will not prejudice any claim originating prior to termination or cancellation subject to all other terms of the policy. The company has the right to cancel the policy at any time by sending a written notice at least forty five (45) days in advance to you at your last known address. The notice will include the reason for cancellation. Form Numbers EW-DOC-CCSG102107, LW-DOC-CCSG2 02/07, EIAL DOC-OSBNI 02/07, EW-DOC-OSBN2 02107 Applicable for Residents of the State of Alaska Form Number: PP/EW-RDRI-AK 06107 Applicable for Residents in the States of Arizona and Indiana Form Numbers: EW-IND-CCSG107/07, FW-IND-CCSG2 07/07, EW-IND-OSBN107/07, EW-IND-OSBN2 07/07 Applicable for Residents of the State of Kentucky Form Number: PP/EW-RDRI-KY 05/07-In the Termination or Cancellation section: The company has the right to cancel the policy at any time by sending a written notice at least seventy-five (75) days in advance to you at your last known address. Applicable for Residents of the State of Oklahoma Form Number: PP/EW-RDRI-OK 07/07-The following is added to your Description of Coverage: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. Applicable for Residents of the State of Oregon Form Number EW-RDRI -OR 05/07-In the Exclusions section the following is removed: 3. fraud or abuse or illegal activity of any kind by the cardmember; Applicable for Residents of the State of South Dakota Form Number: PPIEW-RDRI-SD 05/07 Applicable for Residents of the State of Texas Form Number: EW-IND-TX 07/07 Applicable for Residents of the State of Vermont porn[ Number: PP/EW-RDRI-VT 05/07 Description of Coverage Underwritten by AMEX Assurance Company, Administrative Office, 480 Pilgrim Way, Suite 1400, Green Bay, WI 54304 Purchase Protection provides coverage for Your purchases for ninety (90) days from the date of purchase when You charge any portion of the price of the purchased item to Your Account. You will be reimbursed only for the amount charged to Your Account. (See Description of Benefits section.) Definitions Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires. Account means Your Amcican Express Card Account. Cardmember ens has a orr;:o: wi•.o he:s beer, issued a United States of America based proprietary American Express Card, which is Current and in Good Standing, and who has a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. Covered Incident means the loss or theft ol, or damage, whether by accident or vandalism, to any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account. Company means AMEX Assurance Company, and its dully authorized agents. Current and in Good Standing means a Cardmember Account for which the monthly minimum requirement has been paid prior to the date in which the claim is payable. Master Policyholder means American Express Travel Related Services Company, Inc. Permanent Residence means the one primary dwelling place where t' Csrdmembe!residesand to which!hey intend to return. Plan means the Policy and the benefits described therein. Platinum Cardmember means a Cardmember who has a Platinum Charge Card (required to be paid in full monthly), a Corporate Platinum Card, or a Fidelity American Express Platinum Card. Any other Card which may reference the Platinum name or has Platinum colored plastic will not receive higher coverage limits or benefits. Policy means the Group Insurance Master Policy (AX0951 issued to American Express Travel Related Services Company, Inc.). We, Us, Our means the Company. You, Your means the Cardmember. Description of Benefits We will pay You the expense charged to Your Account up to $10,000 for any one Covered incident and up to $50,000 for all Covered Incidents during a calendar year. Purchase Protection provides benefits, for ninety (90) days from the date of purchase, if a Covered Incident occurs with respect to property You purchased and charged to Your Account. Our benefit payment will not include shipping and handling expenses or installation, assembly, professional advice, maintenance or other service charges or any product rebates, discounts or money received from lowest price comparison programs that reduced the original cost of the property. Our payment of any eligible benefit amount is further contingent upon Your Account being Current and in Good Standing. Only a Cardmember has a legal and equitable right to any insurance benefit that may be available under this Plan. Exclusions Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by: 1. war or any act of war, whether declared or undeclared; 2, any activity directly related to and occurring while in the service of any armed military force of any nation state recognized by the United Nations; 3. participation in a riot, civil disturbance, protest or insurrection; 4, violation of a criminal law, offense or infraction; 5. natural disasters, including, but not limited to, hurricanes, floods, tornados, earthquakes or any other event in the course of nature, that occurs at the same time or in separate instances; 6. fraud or abuse or illegal activity of any kind by the Cardmember; 7. confutation by any governmental authority, public authority, or customs official; 8. negligent failure of a duty to care by any third party in whose possession the property purchased by a Cardmember has been temporarily placed; 9. not being reasonably safeguarded by You; 10. theft from baggage not carried by hand and under Your personal supervision or under the supervision of a traveling companion known by You; t 1. damage through alteration (including, but not limited to, cutting, sawing and shaping); 12. normal wear and tear, inherent product defect or manufacturer's defects or normal course of play; 13. damage or theft while under the care and control of a common carrier; 14. food spoilage; 15. leaving property at an unoccupied construction site; or 16, purchases lost or misplaced. For residents of Washington, the first paragraph of this section is removed and replaced with the following: We will not pay for loss caused by any of the excluded events described below. Loss will be considered to have been caused by an excluded event if the occurrences of that event directly and solely results in loss, or initiates a sequence of events that result in loss, regardless of the nature of any intermediate or final event in that sequence. Purchases Not Covered The following purchases are not covered: 1. travelers checks, tickets of any kind, negotiable instruments (including, but not limited to, gift certificates, gift cards and gift checks), cash or its equivalent; 2. animals or living plants; 3. rare stamps or coins; 4. consumable or perishable items with limited life spans (including, but not limited to, perfume, light bulbs, batteries); FDR 974970 5. antique or previously owned items; 6. motorized vehicles and watercraft, aircraft, and motorcycles or their motors, equipment, parts or accessories; 7. lost, stolen or damaged property consisting of articles in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection; 8. items purchased for resale, professional, or commercial use; 9. permanent household and/or business fixtures, including, but not limited to, carpeting, flooring and/or tile; 10, business fixtures, including, but not limited to, air conditioners, refrigerators, heaters; and 11. hospital, medical and dental equipment and devices. Claims Provisions If You experience a loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss. To insure prompt processing of Your claim, report any theft or damage immediately following the date of the Covered Incident, including for gifts purchased with the Card. Retain Your receipts and Your damaged property (if applicable) until the claim process is complete. Notice of Claim Notice of Claim should be provided to Us within thirty (30) days of the loss. You may contact Us by calling toll-free stateside 1-800-322-1277 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Us at Purchase Protection, PO Box 402, Golden, CO 80402-0402. Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that it was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist You with Your Proof of Loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable. For residents of Missouri, no claim will be denied based upon Your failure to provide notice within such specified time, unless this failure operates to prejudice the right of Us. Proof of Loss Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Loss within thirty (30) days (for residents of North Dakota sixty (60) days) after We have provided You with instructions and/or a claim form in response to Your Notice of Claim or Your claim maybe denied. Your Proof of Loss documentation maybe mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is received. Proof of Loss may require documentation consisting of, but not necessarily limited to, the following: 1. a Purchase Protection Claim Form; 2. the original itemized store receipt; 3. the insurance declaration forms for Your other sources of insurance or indemnity (e.g., homeowner's or renter's insurance); 4. a photograph ofand/or repair estimate for the damaged property; and 5. for theft and vandalism claims, a report regarding the stolen or vandalized property must be filed with the appropriate authority before You call to file a claim under Purchase Protection. No payment will be made on claims not substantiated in the manner required by Us. If all required documentation is not received within thirty (30) days (for residents of North Dakota sixty (60) days) of the date of the Covered Incident (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation We request. You may be required to send in the damaged property at Your expense for further evaluation of Your claim. If requested, You must send in the damaged property within thirty (30) days (for residents of North Dakota sixty (60) days) from the date of Our request to remain eligible for coverage. Payment of Claim A claim for benefits provided by this Plan will be paid upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan. Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment. If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and We will pay only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits, as provided under the Description of Benefits section. General Provisions Change of Permanent Residence If the change is to a different state, Your Policy provisions maybe adjusted to conform to the requirements of that state. Clerical Error A clerical error made In, the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force. Conformity with State and Federal Law If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law. Entire Contract; Representation; Change This Description of Coverage, the Policy and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Description of Coverage maybe changed at anytime by written agreement between the Master Policyholder and the Company. Only the President, Y ice- President or Secretary of AMEX Assurance Company may change or waive the provisions of the Description of Coverage. No agent or other person may change the Description of Coverage or waive any of its terms. This Description of Coverage may be changed at any time by providing notice to You. A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined at any time. Excess Coverage If any loss under this Policy is insured under any other valid and collectible policy, then this Policy shall cover such loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such loss is in excess of the amount of such other insurance which is payable or paid. Fraud If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. We do not provide coverage to a Cardmember who, whether before or after a loss, has: 1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or 2. concealed or misrepresented any fact if the fact misrepresented contributes to the loss. Legal Actions No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may he brought after three (3) years (for residents of Arkansas five (5) years and residents of Missouri ten (10) years) from the time written Proof of Loss is required to be given. If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law. Right of Recovery If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our pavments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover from You any amount exceeding the maximum amount payable. Subrogation In the event of any payment under this Policy, We shall be subrogated to the extent of such payment to all Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights. We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated for damages by another party. For residents of Louisiana, the Right of Recovery, Subrogation and Excess Coverage sections are revised to reflect: If the Company makes any payment under this Policy and the Cardmember has the right to recover damages from another, the Company shall be subrogated to that right. However, the Company's right to recover is subordinate to the Cardmembers right to be fully compensated. Termination or Cancellation Coverage will cease on the earliest of the following: 1. the date You no longer maintain a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the US. Virgin Islands; 2. the date We determine that You or someone on Your behalf intentionally misrepresented or fraud occurred; 3. the date the Policy is cancelled; 4. the date You are no longer a Cardmember; 5. the date Your Account ceases to remain Current and in Good Standing; or 6. the date the Plan is not available in the location where You maintain a Permanent Residence. Termination or Cancellation of coverage will not prejudice any claim originating prior to termination or cancellation subject to all other terms of the Policy. The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation. Important Additional Information For You For those eligible and enrolled in the Membership Rewards" program, benefits are also paid when the purchased property is received through the redemption of a Membership Rewards redemption certificate. Payment or credit will not exceed the original assigned value of the property received through redemption of a Membership Rewards redemption certificate up to the stated limits, excluding shipping and handling expenses. Benefits will not be paid when a Membership Rewards redemption certificate has been transferred to a non-eligible Cardmember or non- Cardmembers. This Description of Coverage replaces any other Description of Coverage that You may have previously received for Purchase Protection. This Description of Coverage is an important document. Please read it and keep it in a safe place. IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers: Joy A. Manson, President John M. Collins, Secretary AMEX Assurance Company AMEX Assurance Company PP-DOC-CCSG2 02/07 Applicable for Residents of the State ol'Kentucky In the Termination or Cancellation section the following is removed: The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation. And replaced with the following: The Company has the right to cancel the Policy at any time by sending a written notice at least seventy-five (75) days in advance to You at Your last known address. The notice will include the reason for cancellation. PP/EW-RDRI-KY 05/07 Applicable for Residents of the State of Oregon In the Exclusions section the following are removed: 4. violation of a criminal law, offense or infraction; 6. fraud or abuse or illegal activity of any kind by the Cardmember; FDR 974970 The Prootof Loss section is hereby removed in its entirety and replaced with the following: Proof of Loss Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Lass within ninety (90) days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim or Your claim may be denied. Your Proof of Lass documentati on may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Toss until the information We have requested is received. Proof of Loss may require documentation consisting of, but not necessarily limited to, the following: 1. Purchase Protection Claim Form; 2. the original itemized store receipt; 3. the insurance declaration forms for Your other sources of insurance or indemnity (e.g., homeowners or renter's insurance); 4. a photograph of and/or repair estimate for the damaged property; and 5. or theft and vandalism claims, a report regarding the stolen or vandalized property must be filed with the appropriate authority before You call to file a claim under Purchase Protection. No payment will be made on claims not substantiated in the manner required by Us. Ball required documentation is not received within ninety (90) days of the date of the Covered Incident (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation We request. You may be required to send in the damaged property at Your expense for further evaluation of Your claim. If requested, You must send in the damaged property within ninety (90) days from the date of Our request to remain eligible for coverage. PP-RDRI-OR 05/07 Applicable for Residents of the State of South Dakota The Legal Actions section is hereby removed in its entirety and replaced with the following: Legal Actions No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after six (6) years from the time Proof of Loss is required to be given. PP/EW-RDRI-SD 05107 Applicable for Residents of the State of Vermont In the Termination or Cancellation section the following is removed: The Company has the right to cancel the Policy at any time try sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation. And replaced with the following: The Company has the right to cancel the Policy by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation. PP/F.W-RDRI -VT 05/07 Applicable for Residents of the State of Alaska The opening paragraph in the Exclusion section is removed in its entirety and replaced with the following which is added and made part of the Description of Coverage: These exclusions do not apply if the dominate cause of a loss is a risk or peril that is not otherwise excluded. Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by: The Legal Actions section is hereby removed in its entirety and replaced with the following which is added and made part of the Description of Coverage: Legal Actions No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after three (3) years from the time Proof of Loss is required to be given. If there are any claims the three year timeframe does not begin to run until after the claim has been denied. PP/FW-RDRI-AK 06!07 Applicable for Residents of the State of Oklahoma The following is added to your Description of Coverage: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. PP/F.W-RDRI-0K 07107 The following form numbers are applicable to residents in the following states: Arizona and Indiana, Form Numbers: PP-IND-CCSGI 07/07, PP-IND-CCSG2 07107, PP-TND-OSBNI 07/07, PP-IND- OSBN2 07!07 Texas, Form Number: PP-IND-TX 07/07 Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice to you. This document does not supplement or replace the Policy. Please call us at the number at 1-800-437-9209 for a complete copy of your terms and conditions or if you need to file a claim. Travel Accident Insurance provides accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, helicopter, ship, or bus) when the entire fare has been charged to the Card. As a benefit of Cardmembership, the Covered Person will receive a benefit level of coverage depending on the type of American Express Card account to which the entire fare for the Common Carrier Convcyanc - was charged fur the covered trip. Covered Persons include the basic Cardmember, ea:b additional Cardmember, and each of these Cardmember's spouses or domestic partners and dependent children under 23 years of age. All Covered Persons must have a permanent residence within the 50 United States of American or the District of Columbia. All other persons are not Covered Persons under the Policy. The capitalized terms used herein shall have the meaning assigned to such terns in the Policy Please note that certain terms contained in this summary are defined within the full policy document. Description of Benefits Accidental Death and Accidental Dismemberment. The Plan provides coverage for accidental death and dismemberment due to a loss from an injury while coverage is in force under the Policy, but only if such loss occurs within 100 days after the date of the accident which caused the injury. If more than one lost: is sustained, benefits will be paid for the greatestloss. Benctit3 are paid according to the following schedule • Loss of Life - 100% • Loss of both hands or both feet - 100% • Loss of one hand and oac foot - 10016 • Loss of entire sight of both eyes - 100% • Loss of entire sight of one eve and one hand or one foot - 100% • Loss of one hard or one foot - 50% . Loss of the entire sight of one eye - 509;,. Common Carrier Benefit. This benefit is payable if the Covered person sustains accidental death or dismemberment as a result of an accident which occurs while riding solely as a passenger in, or boarding, or alighting from, or being struck by a Common Carrier Conveyance on a covered trip. Exposure and Disappearance. If the Covered Person is unavoidably exposed! u the elements because of an accident on a covered ? rip which i esults in the disappearance, sinking or wrecking of the common carrier conveyance, and if as a result of such exposure, the Covered Person suffers a loss for which benefits are otherwise payable under the Policy, such loss will be covered under the Policy; if the Covered Person's body has not been found within 52 weeks alter the date of such accident, it will be presumed, subject to there being no evidence to the contrary, that the Covered Person suffered loss of life as a result of injury covered by the Policy Beneficiary The Basic Cardmernber may designate a beneficiary or change a previously designated beneficiary for himself or herself and his or her spouse or domestic partner and dependent children who are not Additional Cardmembers. An Additional Cardmember may designate a beneficiary or change a previously designated beneficiary for himself or herself and his or her spouse or domestic partner and dependent children who are not also the Basic Cardmember, the Basic Cardmembers spouse or domestic partner or children, or Additional Cardmembers. If no beneficiary is designated benefits will be paid to the surviving person or equally to the surviving persons in the first of the following classes: spouse or domestic partner; children, equally per strpes; and the estate. Exclusions The Policy contains the following exclusions: • suicide or self-destruction or any attempt thereat, while sane or insane; intentionally self-inflicted injury, suicide or any attempt thereat, while sane • war or any act of war whether declared or undeclared; however, any act committed by an agent of any government, party, or faction engaged in war, hostilities, or other warlike operations provided such agent is acting secretly and not in connection with any operation of armed forces (whether military, naval or air forces) in the country where the injury occurs shall not be deemed an act of war • injury to which a contributory cause was the commission of or attempt to commit an illegal act by or on behalf of the Covered Person or his/her beneficiaries injury received while serving as an operator or crew member of any conveyance • injury received while driving, riding as a passenger in, boarding or alighting from a rental vehicle • injury received during or as a result of commutation • sickness, physical or mental infirmity, pregnancy, or any medical or surgical treatment for such conditions, unless treatment of the condition is required as the direct result of an injury. Termination or Cancellation Coverage under the Policy will cease on the earliest of the following: • the date the Covered Person no longer maintains a permanent residence in the 50 United States of America or the District of Columbia • the date we determine that the Covered Person or someone on the Covered Persons' behalf intentionally misrepresented or fraud occurred . the date the policy is cancelled • the date the basic Cardmember's account ceases to remain current and in good standing • the date the Plan is not available in the location where the Covered Person maintains a permanent residence. The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to you at your last known address. The notice will include the reason for cancellation. Form Numbers: TAI-DOC 03/07 Forms in addition to those listed above are also applicable to residents in the following states: Connecticut, Form Number: TAI-RDRI-CT 03107 Illinois, Form Number: TAT-RDRI-IL 03/07 Kansas, Form Number: TAI-RDRI-KS 03107 Maine, Form Number: TAI-RDRI-ME 03/07 Minnesota, Form Number: TAI-RDRI-MN 03/07. In the Exclusions section the following replaces the exclusion regarding illegal acts: injury in which a contributory cause was the commission of or attempt to commit a felony by or on behalf of the Covered Person or his beneficiaries. Nevada, Form Number: TAI-RDRI-NV 03/07. In the Termination and Cancellation section the forty five (45) day advance written notice is replaced by a sixty (60) day advance written notice. New York, Form Number TAT -RDRI -NY 03107. Covered Persons does not include language requiring a permanent residence within the 50 United States of American or the District of Columbia. The following replaces the exclusions found in the Exclusion section: • suicide, attempted suicide or intentionally self-inflicted injury • war or any act of war, whether declared or undeclared; participation in a felony, riot or insurrection; service in the Armed Farces or units auxiliary thereto FDR 974970 • injury in which a contributing cause was the Covered Person's commission of or attempt to commit a felony or to which a contributing cause was the Covered Person's being engaged in an illegal occupation • sickness, except for an infection that was the result of an Injury • mental or emotional disorder • pregnancy, except complications of pregnancy and except to the extent coverage is required pursuant to Section 3221 of the New York Insurance Law • the consequence of the Covered Person's being intoxicated or under the influence of any narcotic unless administered on the advice of a physician. In the Termination and Cancellation section the following is removed in its entirely: the date the Covered Person no longer maintains a permanent residence in the 50 United States of America or the District of Columbia. In the Termination and Cancellation section the following replaces the language regarding misrepresentation or fraud: the date we determine that the Covered Person or someone on the Covered Persons' behalf intentionally misrepresented or fraud occurred in a written instrument signed by the Covered Person. North Carolina, Form Number: TAI-RDRI-NC 03/07 Oklahoma, Form Number: TAI-RDRI-OK 03/07. In the Exclusions section the following replaces the exclusion regarding war: war or act of war, declared or undeclared, while serving in the military service or any auxiliary unit attached thereto. Texas, Form Number: TAT-RDRI-TX 03107. Covered Persons include dependent children under 25 years of age who are stepchildren; adopted or a party to a suit to be adopted children; grandchildren who are unmarried and dependent on the Cardmember for tax purposes at the time the application for coverage is made; and physically or mentally handicapped children who are unmarried, cannot self-support themselves, and are beyond the termination age. Vermont, Form Number TAI-RDRI-VT 03/07. In the Exclusions section the following replaces the exclusion regarding suicide: suicide or self-destruction or any attempt thereat, while sane; intentionally self-inflicted injury, suicide or any attempt thereat, while sane. In the Exclusions section the following replaces the exclusion regarding specific conditions: sickness, physical infirmity, pregnancy, or any medical or surgical treatment for such conditions, unless treatment of the condition is required as the direct result of an injury. Description of Coverage Car Rental Loss and Damage Insurance provides the Cardmember, if the Cardmember is the primary renter, (as defined below) with insurance coverage for damage to or theft of most Rental Autos when the Cardmember uses the Card (as described below) to reserve and pay for an auto rental from any Commercial Car Rental Company ("Rental Company") other than those located in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.' This coverage is always excess insurance. Rental Auto means a four-wheeled, two-axle passenger- type motor vehicle, designed for and sold to accommodate private passenger transport on public roads. Who is Eligible for Coverage You are eligible for coverage if: 1. You area Basic or Additional Cardmember and an American Express' Card or Optima* Card in association with that Card (the "Card") has been issued to you in your name; 2. You are of an account status and class that is provided Car Rental Loss and Damage Insurance as a benefit of Cardmembership ("Cardmember"); 3. Your Card account is billed from a U.S. operating center in U.S. dollars; and 4. You maintain your Permanent Residence within the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. Permanent Residence means the Covered Person's one primary dwelling place where the Covered Person permanently resides and intends to return A Personal, Gold, or Rewards Plus Gold Cardmember who is enrolled at an accredited four-year college, university or graduate school in the United States and is receiving student benefits provided as a benefit of Cardmembership is not eligible for benefits under this Policy. Commercial Car Rental Company or Car Rental Company means any commercial car rental agency which rents Rental Autos.' For the purposes of this Description of Coverage, Commercial Car Rental company means "Rental Company" How to Activate Coverage Coverage for theft of or damage to a Rental Auto is activated when the Cardmember:' 1. presents his or her eligible Card to the Rental Company to reserve the Rental Auto by making a reservation; or by placing a hold or deposit at the time the Rental Auto is checked out; 2. declines the full Collision Damage Waiver or similar option (CDW), or pays for a partial collision damage waiver, offered by the Rental Company; 3. is the primary renter, which is defined as the Cardmember, who is named on the written agreement with the Rental Company as the person renting and taking control and possession of the Rental Auto ("Primary Renter"); and 4. uses the Card to pay for the entire auto rental from the Rental Company at the time of vehicle return. Coverage continues in effect while the Cardmember remains in control and possession of the Rental Auto. A Cardmember, who is physically challenged and unable to operate the Rental Auto, may be the Primary Renter if he/she is the Cardmember entering into the rental transaction. When Coverage Terminates Coverage for theft of or damage to the Rental Auto terminates when: 1. the Rental Company resumes control of the Rental Auto, or 30 consecutive days after the Rental Auto was checked out, whichever is eaAier; or 2. the Polio,-} is cancelled. Length of Coverage Car Rental Loss and Damage Insurance covers eligible Rental Autos when rented under a written rental agreement from a Rental Company for no more than 30 consecutive days. Note: In no event .shall coverage be provided when the Cardmember rents a Rental Auto beyond 30 consecutive clays from lhe.same Rental Company, regardless e f whether the original agreement is extended, or a new written agreement is entered into, ora new vehicle is rented. Additionally, no coverage will be provided when the Primary Renter rents a Rental Auto for more than 30 consecutive days out of a 45-day period within the same geographic market/location (75 mile radius). What is Covered Car Rental Loss and Damage Insurance reimburses a Cardmember for pagaaents for damage to or theft of a Rental Auto that the Cardmember is required to make, up to the lesser of. 1) the actual cost to repair tine Rental Auto, 2) the wholesale Book value minus salvage and depreciation costs, or 3) the purchase invoice price of the Rental Auto minus salvage and depreciation costs. Tlie coverage also reimburses the Cardmember for reasonable charges (those charges incurred at the closest facility that are usual and customary in the vicinity in which the loss or disablement took place) imposed by the Rental Company, such as towing or storage and Loss of Use. Loss of Use means the unavailability of a Rental Auto and consequent loss of revenue by the Rental Company due to damage or theft. Unless otherwise required by law, the Rental Company must submit a fleet utilization log indicating that during such time: 1. no other Rental Auto was available; and 2. there was a demand for a Rental Auto. Car P.enial Loss and Damage Insurance covers no other type of loss. For example, in the event of a collision involving the Cardmenrber's Rental Auto, damage to any other driver's car or the injury of anyone or anything is not covered. Note: This policy does not provide liability or any other coverags such as Uninsured Motorists, benefits under any Worker's Compensation Ici+ Dincbility benefits law of other mandated Govermre;tt Plans. What Excess Coverage Means Car Rental Loss and Damage Insurance is an excess insurance plan. This means that this excess coverage will reimburse the Cardmember only for losses/expenses not covered by plans, such as a partial collision damage waiver, any personal auto insurance, employer's auto insurance or reimbursement plan or other sources of insurance. When these other plans apply, a Cardmember must first seek payment or reimbursement and receive a determination based on the stated terms of such other Plans, that any such Plans do not provide coverage before this excess coverage will reimburse the Cardmember. Vehicles Not Covered Car Rental Loss and Damage Insurance does not cover rentals of 1, expensive cars, which means cars with an original manufacturer's suggested retail price of $50,000 or more when new; 2. exotic cars regardless of year or value, including but not limited to Chevrolet Corvette, Toyota Supra, Mazda RX-7, Dodge Viper and Stealth, Plymouth Prowler, Mitsubishi 3000 GT, Nissan 300 7.X, Jaguar XIS, Acura NSX, Mercedes SL, SIX, 5 Coupe and E320 Coupe and Convertible, BMW M3, Z3 and 8 Series, Cadillac Allame and all Porsche, Ferrari, Lamborghim, Maserati, Aston Martin, Lotus, Bugatti, Vector, Shelby Cobra, Bentley, Rolls Royce; 3. trucks, pick-ups, cargo vans, custom vans; 4. full-sized vans, including but not limited to, Ford Econoline or Club Wagon, Chevy Van or Sporivan, GMC Vandura and Rally, Dodge Ram Vans and Ram Wagon; 5. vehicles which have been customized or modified from the manufacturer's factory specifications except for driver's assistance equipment for the physically challenged; 6. vehicles used for hire or commercial purposes; 7. mini-vans used for commercial hire; Note: Passenger Mini-Vans (not Cargo Mini-Vans) with factory specified seating capacity of 8 passengers or less, including but not limited to, Dodge Caravan, Plymouth Voyager, Ford Wmdstar and Nissan Quest, are covered when rented for personal or business use only. 81 antique cars, which means cars that are 20 years old or have not been manufactured for 10 or more years; 9. limousines; 10, full-sized sport utility vehicles, including but not limited to, ChevroletlGMC Suburban, Tahoe and Yukon, Ford Expedition, Lincoln Navigator, Toyota Land Cruiser, Lexns LX450, Range Rorer or full-sized Ford Bronco; 11. sport/utility vehicles when driven "off-road"; and Note: Compact sport/utility vehicles, including but not limited to Ford Explorer, Jeep Grand Cherokee, Nissan Pathfinder, Toyota Four Runner, Chevrolet Blazer and Isuzu Trooper and Rodeo are covered when driven on paved roads. 12. off-road vehicles, motorcycles, mopeds, recreational vehicles, golf or motorized carts, campers, trailers and any other vehicle which is not a Rental Auto. Losses Not Covered Car Rental Loss and Damage Insurance does not cover losses caused by or contributed to by: 1. operation of the Rental Auto in violation of the terms and conditions of the Rental Company agreement (including but not limited to losses occurring when: a person not permitted to operate the vehicle pursuant to terms of the rental agreement was in possession or control of the vehicle; or, driving the vehicle outside of the authorized rental territory); 2. leased or mini-leased vehicles; 3. costs attributed to the Commercial Car Rental Company's normal course of doing business; 4. intentional damage; 5. illegal activity, such as losses where the Rental Auto was used for, or involved in illegal activity or felony; 6. pre-existing conditions, damage or defect; 7. alcohol intoxication on the part of the driver, as defined in the state where the Accident occurred; 8. voluntarily taking any drug or acting under the influence or effect of that drug (unless taken as prescribed or administered by a Doctor); 9. war or military activity; 10. radioactivity; 11, confiscation by authority; 12, wear and tear, including gradual deterioration; FDR 974970 1.3. damage which is due and confined to freezing, mechanical or electrical breakdown or failure unless such damage results from a theft covered by the Policy; 14. failure to return keys to the Rental Company when the vehicle is stolen; 15. theft or damage to unsecured vehicles; 16. theft of or damage to tires (flats or blowouts), unless damaged by fire, malicious mischief, vandalism, or stolen, unless the loss is coincident with and from the same cause as other loss covered by the Policy; and 17. off-road operation of the vehicle. Car Rental Loss and Damage Insurance does not cover, and benefits will not be paid for: 1. sales tax related to repair of damages, unless reimbursement of such sales tax is required by law; 2. damage to any vehicle other than the Rental Auto; 3. damage to any property other than the Rental Auto, owner's property, or items not permanently attached to the Rental Auto; 4. the injury of anyone or anything; 5. expenses assumed, waived or paid for by the Rental Company or its insurer; 6. expenses covered by the Cardmember's personal auto insurer, employer or employer's insurer, or authorized driver's insurer; 7, value added tax or similar tax, unless reimbursement of such tax is required by law; S. diminishment ofvalue; 9. any Rental Auto used for hire or commercial purposes; and 10. depreciation, unless reimbursement for depreciation is required by law. How to File a Claim Notification of damage, including vandalism, theft, or an accident must be reported to the appropriate law enforcement agency as soon as reasonably possible. This requirement applies regardless of whether the Rental Auto is involved with other vehicles. Failure to notify may result in denial of benefits. If a loss occurs, a Cardmember should promptly notify the Car Rental Loss and Damage Claims Unit toll free at (800) 338-1670 in the U.S. only or call (440) 914-2950 from other locations worldwide. If the failure of a Cardmember to promptly report a loss prejudices the rights of the Insurer, the claim may be denied. A representative will answer any questions a Cardmember may have and will send the Cardmember a claim form with instructions. Complete and sign the claim form. Written proof of loss, which includes die claim form and all other requested documentation (listed below), must be received within 60 days following the date of the damage or theft by: American Express Car Rental Loss and Damage Claims Unit, PO Box, 94729, Cleveland, Ohio 44101-4729. If the proof of loss and other documentation is not received within 60 days of the date of loss, coverage may be denied. Required documentation may consist of, but is not limited I. our signed and completed claim form; 2. an itemized repair bill; 3, a copy of charge slip for the rental of the Rental Auto, Rental Auto contract or machine generated receipt to show rental was charged and paid for with an American Express Card; 4. a police report (if applicable); 5, photos of the damaged vehicle, if available; 6. a copy of the Cardmembers, authorized driver's or employer's auto insurance coverage, or a notarized letter stating no insurance; 7, a copy of all claim documents and correspondence, provided by the Car Rental Company; 8. a copy of the Rental Company's utilization log; 9. a copy of the driver's license of the Cardmember and/or authorized driver, unless the driver's license number shows on the rental agreement; 10. a copy of the written rental agreement, front and back, which documents when the Rental Auto was checked out and checkedin;and 11. information pertaining to other available insurance coverage(s). Cardmember cooperation with issues related to their benefits is required. If all required documentation is not received within 180 days of the date of loss (except for documentation which has not been furnished for reasons beyond the Cardmember's control), coverage may be denied. How Benefits are Paid All Car Rental Loss and Damage Insurance payments reimbursable under the policy are payable to the Cardmember; except that payment may be made, at the discretion of the insurer, jointly to the Cardmember and the Commercial Car Rental Company when the Car Rental Company has not been reimbursed for the covered loss or damage, or the Cardmember has not validly assigned his/her payments to the Rental Company or any other party. Note: Benefits will not be paid if, on the date of loss, on the date of claim filing, or on the date of potential claim payment, any amount due on Your Card account is past due or Your Card is cancelled.' Rights of Recovery In the event of a payment under this Policy, the Insurer is entitled to all the rights of recovery that the Cardmember, to whom payment was made, has against another. That Cardmember must sign and deliver to the Insurer any legal papers relating to that recovery, do whatever else is necessary to help the insurer exercise those rights and do nothing after loss to harm the Insurers rights. When a Cardmember or Commercial Car Rental Company has been paid damages under Policy No. AX0925, and also recovers from another, the amount recovered from the other shall be held by that Cardmember or Commercial Car Rental Company in trust for the Insurer and reimbursed to the extent of the Insurer's payment. As a condition precedent to coverage, the Cardmember is required, and has a duty to fully cooperate with the Insurer in any investigations, subrogation matters or legal proceedings by providing copies of any and all legal notices and any and all statements, including sworn statements and contributing any other papers and documents to reasonably assist in the disposition of the legal matter. Notification of Legal Action When a Cardmember is served with suit and/or summons papers relating to a Car Rental Loss and Damage claim, the Cardmember must notify (see address and phone number under Claims Notice section) and provide copies of the suit or summons papers to the Car Rental Loss and Damage claims unit within 15 days of when the Cardmember is served. Failure to comply may result in denial of benefits. Additional information for you This coverage is underwritten by AMEX Assurance Company ("insurer") through insurance Policy AX0925 (the "Policy") issued to American Express Travel Related Services Company, Inc. and its participating subsidiaries, affiliates and licensees. The Policy may be changed or terminated. This Description of Coverage is an important document. Please keep it in a safe place. Although it describes the present form of insurance as it exists at the time of printing, this document is not the Policy or contract of insurance. The benefits described in this document are subject to all of the terms, conditions and exclusions of the Policy issued by the underwriter. This document replaces any prior Description of Coverage tinder the Policy which may have been furnished to the Cardmember. Joy A. Hanson, President John M. Collins, Secretary AMEX Assurance Company AMEX Assurance Company CRI.DI-DOC-CCSG 11/05 L For those eligible and enrolled in Membership Rewards, if a Membership Rewards redemption certificate is used, coverage is provided only to Rental Autos rented in the United States. 2. When used in conjunction with a Aembership Rewards redemption certificate, the participating Car Rental Companies are limited to hertz, National and Budget. 3. If eligible and enrolled in Membership Rewards, coverage is aLso activated when the Cardmember (I) presents a Aembership Rewards redemption certificate and (2) uses a Membership Rewards redemption certificate at a participating Commercial Car Rentai Company. Important note for those enrolled in Membership Rewards: A Membership Rewards redemption cerli(icaie can only be redeemed by eligible Cardmembers. Beuefitss will not bepaid when a Membership Rewards redemption certificate has been transferred to non-eligible Cardmembers audlor non-Cardmembers. 4. Does not apply to New York State residents. Additional Information for Residents of Louisiana The Rights of Recovery section is replaced with the following: If the Company makes any payment under this Policy and the Cardmember has the right to recover damages from another, the Company shall be subrogated to that right. However, the Company's right to recover is subordinate to the Cardmember's right to be fully compensated. CRLDi-RDRI-I.A 11/05 Additional Information for Residents of South Dakota Under Losses Not Covered, item number 5. is replaced with the following: Car Rental Loss and Damage insurance does not cover losses caused by or contributed to by: 5. violation of criminal law, or commission of a criminal act, whether cited or charged; Under Losses Not Covered, item number 7. is replaced with the following: Car Rental Loss and Damage Insurance does not cover losses caused by or contributed to by: 7. consumption of alcohol at or in excess of the legal blood alcohol level for a felony conviction in the state or locality in which the Accident occurred; CRLDI-RDRl-SD 11/05 Additional Information for Residents of Vermont Under Losses Not. Covered, the following item is hereby removed: 7. alcohol intoxication on the part of the driver, as defined in the state where the Accident occurred; CRLDI- RDRI -VT 11/05 Additional Information for Residents of Nisconsin Under Losses Not Covered, the following items are hereby removed: S. illegal activity such as losses where the Rental Auto was used for, or involved in illegal activity or felony; 7, alcohol intoxication on the part of the driver, as defined in the state where the Accident occurred; 8. voluntarily taking any drug or acting under the influence or effect of that drug (unless taken as prescribed or administered by a Doctor); Under Losses Not Covered, the following item is added: 18. The use of the Rental Auto for unlawful purposes, or for transportation of liquor in violation of law, or while the driver is under the influence of an intoxicant or a controlled substance or controlled substance analog, or a combination thereof, or under the influence of any other drug to a degree which renders him of her incapable of safely driving, or under the combined influence of an intoxicant and any other drug to a degree which renders him or her incapable of safely driving, or any use of the motor vehicle in a reckless manner. CRLDI-RDRI-WI 11105 Additional Information for Residents of West Virginia Under How Benefits are Paid, the Footnote, to the note that reads: Note: Benefits will not be paid if, on the date of loss, on the date of daim filing, or on the date of potential claim payment, any amount due on Ymr Card account is past due or Your Card is cancelled, is hereby revised to read as follows: Does not apply to West Virginia and New York State residents. CRLDi-RDRI-WV 11105 Additional information for Residents of North Carolina A portion of the fees associated with this Card are applied to the insurance benefit. CRLDI-RDRI-NC 11/05 The following form numbers are applicable to residents in the following states: Arizona and Indiana, Form Numbers: CRLDI-IND-CCSG 11 /05; CRLDi-iND-OSBN 11 /05; CRLDi-iND-PLAT 11 /05; CRLDI-IND-CEN I L05; CRLDI-IND-OSBN-PLAT 11/05; CRLDI-IND-Endl 10/08 Texas, Form Numbers: CRLDI-IND-CCSG-TX 11/05; CRLDI-IND-OSBN-TX 11/05; CRLDI-IND-PLAT-TX 11/05; CRLDI-iND-CF.N-TY 11 /05; CRLDi-IND-OSBN-PLAT-TX 11/05. The following is added to the policy: This policy only provides coverage if you decline the full Collision Damage Waiver offered by the Rental Company. This policy is not automobile liability insurance and does not comply with any FDR 974970 financial responsibility law. Your personal automobile insurance policy may or may not provide coverage for your responsibility for the loss of or damage to a rented vehicle during the rental term. Before deciding whether to purchase a damage waiver, you may wish to determine whether your automobile insurance policy provides you coverage for rental vehicle damage or loss. If you file a claim under your personal automobile insurance policy, your insurance company may choose to no renew your policy at your renewal date, but may do so only if you are at fault for the claim. A Termination and Cancellation section is added: Coverage will cease on the earliest of the following - the date you no longer maintain a permanent residence in the 50 United States of America or the District of Columbia; the date we determine that you or someone on your behalf intentionally misrepresented or fraud occurred; the date we cancel the Policy; the date you are no longer a Cardmember; or the date the Policy is not available in the location where you maintain a Permanent Residence. If the Policy is cancelled, we will send written notice at least forty five (45) days in advance. We may not cancel or non-renew this Policy based solely on the fact that you are an elected official. The American Express Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0400 or Policy BIP-IND and is subject to change with notice to you. This document does not supplement or replace the Policy. Please call us at the number on the back of your American Express Card for a complete copy of your terms and conditions. The American Express Card Baggage Insurance Plan provides benefits for a Covered Person's damaged, stolen or lost baggage, whether checked or carry-on, when the entire fare for common carrier conveyance tickets are purchased and charged to your eligible American Express Card account. Covered Person means: a) the basic Cardmember, each additional Cardmember, and each of these Cardmembers' spouses or domestic partners and dependent children under 23 years of age; or b) officers, partners, proprietors, employees, consultants or employment candidates authorized by a sponsoring organization, to have common carrier conveyance fares charged to that sponsoring organization's account for a bona fide business trip. All Covered Persons must have a permanent residence within the 50 United States of America, or the District of Columbia. All other persons are not Covered Persons under the policy. Platinum Cardmember means a Cardmember who has a Platinum Charge Card (required to be paid in full monthly), a Corporate Platinum Card, or a Fidelity American Express Platinum Card. Any other Card which may reference the Platinum name or has Platinum colored plastic will not receive higher coverage limits or benefits. The capitalized terms used herein shall have the meaning assigned to such terms in the policy. Certain terms contained in this summary are defined within the full policy document. You may file a claim by calling toll-free stateside 1-800-645- 9700 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Baggage Insurance Plan, PO Box 683, Golden, CO 80401. Description of Benefits We will pay a benefit to a Covered Person for a loss up to the applicable limits and under the circumstances described below. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per covered trip. Carry-on Baggage Benefit: We will pay a benefit for the replacement cost, up to $1,250, for each Covered Person on a covered trip for loss of carry-on baggage. A Covered Person is eligible for this benefit if the loss occurs while the Covered Person is upon a common carrier's terminal premises designated for passenger use, but only when the Covered Person is upon such premises immediately before boarding or immediately after alighting from a common carrier conveyance or while riding solely as a passenger in or boarding or alighting from a common carrier conveyance while on a covered trip. Checked Baggage Benefit: We will pay a benefit for the replacement cost, up to $500, for each Covered Person on a covered trip for loss of checked baggage. (Bicycles are covered when checked as baggage with a common carrier conveyance.) High-risk Items Benefit: We will pay a maximum benefit of $250, for each Covered Person on a covered trip for loss of high risk items. High-risk items include, but are not limited to: jewelry; sporting equipment; photographic or electronic equipment; and computers and audio/visual equipment. Common Carrier Conveyance Benefit: We will pay a benefit for the replacement cost, up to $1,250, for each Covered Person on a covered trip, when a common carrier conveyance ticket is purchased in advance of a covered trip, for loss to baggage while the Covered Person is riding solely as a passenger on a common carrier conveyance when going directly to a common carrier's terminal for the purpose of boarding a common carrier conveyance or when leaving from a common carrier's terminal directly after alighting from a common carrier conveyance. Platinum Cardmembers Carry-on and Checked Baggage Benefit: I,* will pay a benefit for the replacement cost of carry-on baggage up to a maximum of $3,000 for each Covered Person on a Covered Trip. We will pay a benefit for the replacement cost of checked Baggage up to a maximum of $2,000 for each Covered Person on a Covered Trip. If a Covered Persons loss on a covered trip includes the replacement cost for both carry on and checked baggage, the benefit under this plan is limited to a combined total of $3,000. For New York State residents: We will pay a benefit for the replacement cost of carry-on baggage up to a maximum of $2,000 for each Covered Person on a covered trip. The $10,(W aggregate maximum limit for all Covered Person per covered trip also applies. Platinum Cardmembers Common Carrier Conveyance Benefit: We will pay a benefit for the replacement cost, up to $3,000, for each Covered Person on a covered trip, when a Common Carrier Conveyance ticket is purchased in advance of a covered trip. For New York State residents: We will pay a benefit for the replacement cost, up to $2,000, for each Covered Person on a covered trip, when a common carrier conveyance ticket h; purchased in advance of a covered trip. Exclusions Benefits are not payable if the loss for which coverage is sought was directly o: indirectly, wholly or partially, contributed to or caused by the following: war or any act of war, whether declared or undeclared; any act by customs or other governmental authority whether involving your consent or by confiscation or requisition (except the Transportation Security Administration); defective workmanship, normal wear and tear and gradual deterioration, or any illegal act by or on behalf of the Covered Person. Items Not Covered: This plan does not insure: cash or its equivalent, notes, accounts, bills, currency, deeds, food stamps or evidences of debt or intangible property; credit cards and other travel documents (including, but not limited to, passports and visas); securities; tickets and documents; plants and animals; automobiles and equipment; motorcycles and motors; aircraft, boats or other conveyances; or property shipped as freight or shipped prior to the covered trip departure date. Excess Coverage If any loss under this plan is insured under any other valid and collectible policy, then this plan shall cover such loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such loss is in excess of the amount of sucli other insurance which is payable or paid. Termination or Cancellation Coverage will cease on the earliest of the following: the date you no longer maintain a permanent residence in the 50 United States of America, or the District of Columbia; the date we determine that you or someone on your behalf intentionally misrepresented or fraud occurred; the date the Policy or any benefit under the Policy is cancelled; the date you terminate your account and are no longer a cardmember or your account is cancelled by American Express; the date your account ceases to remain current and in good standing; or the date the plan is not available in the location where you maintain a permanent residence. Termination or Cancellation ofcoverage will not prejudice any claim originating prior to termination or cancehation subject to all other terms of the Policy. We have the right to cancel the policy at any time by sending a written notice at least sixty- (60) days in advance to you at your last known address. The notice will include the reason for cancellation. Form Numbers: BiNDOC 07/07, BIP-DOC-PLAT 07/07 Forms in addition to those listed above are also applicable to residents in the following states: Alaska, Form Number: BIP-RDRI-AK 07/07 Kansas, Form Number: BIP-RDRI-KS 07/07 Kentucky, Form Number: BIP-RDRI-KY 07/07. The Termination or Cancellation section is revised to send a written notice of cancellation at least seventy-five (75) days in advance to you at your last known address. The notice will include the reason for cancellation. Louisiana, Form Number: BIP-RDRI-LA 07/07. The definition of Domestic Partner and all references to Domestic Partner are removed from the Description of Coverage. Maryland, Form Number: BIP-RDRI-MD 07/07 New York, Form Number: BIP-RDRI-NY07107 Oklahoma, Form Number: RIP-RDRI-OK 07/07. The following is added to the Description of Coverage: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. Vermont, Form Number: BIP-RDRI-VT 07/07 Washington, Form Number: BIP-RDRI-WA 07/07 Wisconsin, Form Number: BIP-RDRI-WI 07/07 The following form numbers are applicable to residents in the following states: Arizona, Indiana and Texas, Form Numbers: BIP-IND 07/07, BiP-IND-Pi AT 07/07 THE FOLLOWING EVENT TICKET PROTECTION PLAN IS NOT AVAILABLE FOR RESIDENTS OF NEW YORK STATE Description of Coverage Underwritten by.AMEX Assurance Company, Administrative Office, 480 Pilgrim Way, Suite 1400, Green Bay, WI 54304 (Herein called the Company) Coverage Overview The Event Ticket Protection Plan provides insurance to a Cardmember when tire expense of a Ticket has been charged to the Cardarember's Account and the Ticketholder cannot use the Ticket due to a Covered Incident for which benefits are payable under this Plan. We will reimburse You, up to a maximum coverage limit of $2,000 per Occurrence Platinum, for the expense of the unused Ticket charged to Your Account for two Covered Incidents for each Account for each 12-month period beginning when the eligible Ticket has been charged to the Cardmembers Account. If Ticket reimbursement, due to a Covered Incident for which benefits are provided under this Plan, is provided to the Ticketholder by a Producer, Venue, or other insurance, the coverage provided by the Event Ticket Protection Plan becomes secondary and will pay only that portion of the Ticket expense not reimbursed by the Producer, Venue, or other insurance. Definitions Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Account means Your American Express Card account. Cardmember means a person who has been issued an American Express Card that is current and for which the Account is in good standing and who maintains a Permanent Residence in the 50 United States of America or the District of Columbia. Covered Incident means an incident listed under the Description of Benefits section of the Plan. Delay means any delay other than a Transportation Accident. Destroyed Ticket means a Ticket that cannot be redeemed as a direct result of a misfortune experienced by the Ticketholder which takes place prior to the Event and destroys the Ticketholdees Ticket. Event means a public gathering for an audience that will include the Ticketholder, which is legal, takes place within the 50 United States of America or the District of Columbia, and which requires an admission fee in exchange for a Ticket. Lost Ticket means a Ticket misplaced and not located or located after the Event for which it was purchased. FDR 974970 Medical Emergency means an unforeseen bodily injury or illness to You or any member of Your household, of such severity as to require Medically Necessary treatment. Medically Necessary means unforeseen urgently required treatment to You or any member of Your household by a Physician or Dentist. Multi-day Ticket means a Ticket that may be used more than once for an Event that is the same or related and which occurs on consecutive days over a period of not more than several successive weeks. Occurrence means the expense charged to the same Account of a Cardmember for the entire cost of the purchase, separately or together, of any number of Tickets for the same Event, including Ticket handling fees. Permanent Residence means the one primary dwelling place where the Cardmember permanently resides and to which they intend to return. Physician or Dentist means a person licensed in the healing arts, other than a member of the Cardmembers family, and acting within the scope of their license for the service or treatment provided. Plan means the Description of Coverage for the Event Ticket Protection Plan. Platinum use of the term Platinum Cardmember, refers to those Cardmembers who have a Platinum Charge Card (required to be paid in full monthly), or a Fidelity American Express Platinum Card. Any other Card which references the Platinum name or has Platinum colored plastic is not intended to receive higher coverage limits or benefits. Policy means the Group Insurance Master Policy and any attachments, endorsements, riders and applications associated with it. Producer means the person or group of persons who provide the financial backing and who are responsible for conducting the Event. Season Ticket means the purchase of admission as a subscriber or season Ticketholder to a series of similar forms of diversion, education or entertainment to be attended over a period of weeks, months, or years. Ticket means written evidence permitting admission to an Event, including a Multi-day Ticket or Season Ticket, which clearly indicates the name of the Event, the date on which the Event is to take place and the Event Venue, by means of which an Occurrence can be established. Ticket does not include transportation on a vehicle of any kind to or at an Event or parking at an Event. Ticketholder means either the Cardmember who has charged the expense of their Ticket to an Account or a person who has received a Ticket from the Cardmember either by arrangement with such person or as a gift. Transportation Accident means physical damage to the vehicle transporting You to the Event which delays or ends the Ticketholders travel and causes the Ticketholder to miss the Event. Venue means the name and location of the facility where the Event is to take place. We, Us, Our means AMEX Assurance Company and its duly authorized agents. You, Your, Yourself means the Cardmember. Description of Benefits Benefits are payable only to the Cardmember, to whose Account the expense of the Ticket has been charged, when a loss occurs as a result of any of the following: 1. Medical Emergency; 2. cancellation of the Event by the Producer or Venue without providing full reimbursement of the Ticket cost, an equal value ticket or a rain check; 3. catastrophe, regardless of cause, in the immediate vicinity of the Event site to which the Ticketholder's access is prevented by governmental authority; 4. Transportation Accident; 5. Destroyed Ticket; 6. theft of Ticket; 7. juryduty; 8. subpoena or other unanticipated legal process; 9. death; 10. emergency call to duty as a member of a National Guard unit or Active Reserve or for active duty members of the United States Armed Forces: or 11. Lost Ticket. Exclusions Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by the following: 1. infirmity, disease of sickness of the Ticketholder, other than as defined by Medical Emergency; 2. Delay; 3. fraud or illegal activity of any kind by the Ticketholder, 4. confiscation by any governmental authority; 5. active participation in a civil public disturbance or protest; or 6, negligent failure of a duty to care by any third party in whose possession a Ticket has been temporarily placed by the Ticketholder. Claims If a Ticketholder experiences a loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss. Notice of Claim Notice of claim should be provided to Us within 30 days of the loss. You may contact us by phone by calling toll-free stateside 1-800-620-4991 or, if from overseas, by calling collect 1-303-27,3-6498. You may also write to us at Event Ticket Protection Plan, PO Box 402, Golden, CO 80402. Failure to provide notice of claim within 30 days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that it was provided as soon as reasonably possible. At the time You provide Us with notice of claim, We will assist You with Your proof of loss by providing You with instructions and with documents, which You must complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable. If all required documentation is not received within 30 days of the date of the Covered Incident (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation necessary. Proof of Loss PCOJf Of loss requires that You send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. Except in the instance of theft, Destroyed Ticket or Lost Ticket, as noted under the Description of Benefits, We will require that You provide Us with the Ticket which could not be used bCCaasc of a Covered Incident for which insurance is provided under this Plan. In addition to the Ticket, We will ask that You include with Your proof of loss any documentation We may request in order to establish the existence of a Covered Incident eligible for coverage under the Description of Benefits. We reserve the right to deny the claim if the Ticket You submit as part of lour proof of loss evidences redemption by any mark, stamp, hole, tear or other evidence of redemption. If admission to an Event was charged to Your Account, but in lieu of a Ticket You received only confirmation of admission by a-mail or the promise of admission to the Event upon picking up a Ticket at the Event, and if a Covered Incident occurred tier which a claim maybe payable under this Plan, You must cooperate with Us in providing proof of loss as to the Covered Incident, and We will attempt to complete the necessary research to determine that the charge to Your account was for admission to the Event as claimed by You. You must provide satisfactory proof of loss as soon as possible after We have informed You as to what You must provide us and in no case more than 30 days after being so inform: d, except if it can be shown that it was provided as soon as reasonably possible. Prc 2£ of foss documentation may be mailed to Us at the same address as listed above for mailing a notice of claim. Payment of Claims If Ticket reimbursement, due to a Covered Incident for which benefits are provided under this Plan, is provided to the Ticketholder by a Producer, Venue, or other insurance, the coverage provided by the Event Picket Protection Plan becomes ;.econdary and will pay only that portion of the Ticket expense not reimbursed by the Producer, Venue, or other insurance. IFYour proof of loss demonstrates that Your claim is payable according to this Plan, We will reimburse You the amount charged to Your Account for the Event Ticket You purchased, less any reimbursement You may receive, up to the maximum coverage limit as stated in the Coverage Overview section. Any payment that We make in good faith will fully discharge Us to the extent of that payment. When a Covered Incident has caused the Ticketholder to experience a loss for the total charge to the Account and that charge is more than the actual face value of the Ticket, eligible benefits will be available on a pro rata reimbursement basis determined by the number of separate Tickets purchased for that Event. When a Covered Incident has caused the Ticketholder to experience a loss in conjunction with a Multi-day Ticket or Season Ticket, eligible benefits will be available on a pro rata basis determined by days for Multi-day Tickets and by series length for Season Tickets. Benefits are only eligible for the Ticketholder who experienced a loss for which this Plan provides benefits. You will he reimbursed only for those Tickets and on a pro rata basis. Right of Recovery In the event of a payment under this Plan, We are entitled, and become subrogated, ur the extent of such payment, to all of the Ticketholders rights and remedies against any responsible party. Upon Our request, the Ticketholder must provide us reasonable assistance, including signing documents if necessary, to bring suit in the Ticketholder's name and do nothing after loss to harm Our rights. When You have been paid under this Plan by Us and the Ticketholder recovers from another, the amount recovered shall be held in trust for Us and reimbursed to Us to the extent of Our payment. If Our payments for losses exceed the maximum amount payable to You under any benefit of this Plan, We have the right to recover any amount exceeding the maximum amount payable. General Provisions Description of Coverage Any conflict between the terms of the Description of Coverage and the Policy will be decided in favor of the Policy. A copy of the Policy will be maintained and kept by Us and may be examined by You at any time. Entire Contract; Changes This Plan, the Policy, any applications, endorsements or riders and any other attachments make up the entire contract. Any statement You make is a representation and not a warranty. This Plan may be changed at any time by providing notice to you. Only the President, Vice-President or Secretary of AMEX Assurance Company may change or waive the provisions of the Plan. No agent or other person may change the Plan or waive any of its terms. Termination or Cancellation Coverage will cease 12:01 am standard time on the earliest of the following: 1. the date You no longer maintain a Permanent Residence in the 50 United States of America or the District of Columbia; 3. the date We determine that misrepresentation or fraud occurred; 3. the date the Policy is cancelled; 4. the date You are no longer a Cardmember and Your Account ceases to remain in good standing; or 5. the date the Plan is not available in the location where You maintain a Permanent Residence. Termination of coverage will not prejudice any claim originating prior to termination subject to all other terms of this Plan. Fraud If any request for benefits made under the Plan is determined to be fraudulent or if any fraudulent means or devices are used by you, any Ticketholder, or by anyone acting on Your behalf to obi ain benefits, all benefits will be forfeited. Legal Actions No legal action may he brought to recover against this Plan within 60 days after initial written proof of loss has been received by Us. No such action may be brought after three years from the time written proof of loss is required to be given. FDR 974970 ` If a time limit of this Plan is less than allowed by the laws of the state where You five, the limit is extended to meet the minimum time allowed by such law. Important Additional Information For You Benefits provided under the Event Picket Protection Plan extend to Tickets You purchase and charge to Your Account that You intend to use or have purchased on behalf of others or as gifts. Reimbursement for any Covered Incident applies only to You. Only You have a claim to insurance benefits under the Event Ticket Protection Plan. AMEX Assurance Company may cancel this Plan at any time by sending a written notice at least thirty (30) days in advance to You at Your last known address. The Event Ticket Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, 480 Pilgrim Way, Suite 1400, Green Bay, WI. Coverage is determined by die terms, conditions and exclusions of Group Master Policy AX0974 and is subject to change with notice. This document does not replace the Policy. This document replaces all existing prior Plan documents You may have received for the Event Ticket Protection Plan. This Description of Coverage is an important document. Please read it and keep it in a safe place. In Witness Whereof, We have caused this Description of Coverage to be signed by Our officers:, ( ' Joy All uHanson, President John M. Collins, Secretary AMEX Assurance Company AMEX Assurance Company ETP-DOC 12/05 PLAT Important information regarding benefit changes for Alaska residents: AMEX Assurance Company, Administrative Office: 480 Pilgrim Way, Suite 1400, Green Bay, WI 54304 For residents of Alaska, the Event Ticket Protection Plan Description of Coverage to which this rider is attached is amended to include the bald italidzedlanguage as follows: The Legal Actions section is hereby removed in its entirety and replaced with the following which is added and made part of the Description of Coverage: Legal Actions Nokod action may, be brought to rawer against this Plan within 60 days aftcinitial writtenproofoflasshas been receivedbyUs. No such action nay he brought after three years bum theOimewrittenproofoflassisrawntedtobe8mm If their are any daims the dhow yeartiare6ame does not begin to run until after the claim has berm denied The Exclusions section is hereby removed in its entirety and replaced with the following which is added and made part of the Description of Coverage: Exclusions Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by the following: 1. infirmity, disease or sickness of the Ticketholder, other than as defined by Medical Emergency; 2. Delay; 3. fraud or illegal activity of any kind by the Ticketholder; 4. confiscation by any governmental authority; 5. active participation in a civil public disturbance or protest; or 6. negligent failure of a duty to care by any third party in whose possession a Ticket has been temporarily placed by the Ticketholder. These erdusions do not apply if the daminato cause af'a lass is a risk orperil thstis not otherwise excluded There are no other changes to the Description of Coverage. By: Joy A. Hanson, President John M. Collins, Secretary ETP-RDRI-AK 11/06 Important information regarding benefit changes for Louisiana residents: AMEX Assurance Company, Administrative Office: 480 Pilgrim Way, Suite 1400, Green Bay, WI 54304 For residents of Louisiana, the Event Ticket Protection Plan Description of Coverage to which this rider is attached is amended to include the bold italicized language as follows: The Right of Recovery section is hereby removed and replaced with the following which is added and made part of FDR 974970 the Description of Coverage: Right of Recovery If i4%e make any payments under this Plan and the Ticketholder has the right to recover damages from another, We shall be subrogated to that right. However, Our right to recover is subordinate to the Ticketholder's right to be fully compensated. There are no other changes to the Description of Coverage. By. Joy A. Hanson, President John M. Collins, Secretary ETP-RDRI-LA 10/06 Important information regarding benefit changes for Missouri residents: The Description of Coverage ETP-DOC 12/05 has changed to ETP-DOC-CEN 05106. AMEX Assurance Company, Administrative Office: 480 Pilgrim Way, Suite 1400, Green Bay, WI 54304 For residents of Missouri, the Event Ticket Protection Plan Description of Coverage to which this rider is attached is amended to include the bold italicized language as follows: Notice of Claim Notice of claim should be provided to Us within 30 days of the loss however, no claim will he denied based upon the insured's failure to provide notice within such specified time, unless this failure operates to prejudice the rights of the insurer. You may contact us by phone by calling toll-free stateside 1-800-620-4991 or, if from overseas, by calling collect 1-303-273-6498. You may also write to us at Event Ticket Protection. Plan, PO Box 402, Golden, CO 80402. General Provisions Legal Actions No legal action may be brought to recover against this Plan within 60 days after initial written proof of loss has been receive d by Us. No such action may be brought after ten years from the time written proof of loss is required to be given. If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law. Questions For questions on this Policy, please contact Client Service at 1-800-620-4991. These are no other changes to the Description of Coverage. By: loyA. Hanson, President fohn M. Collins, Secretary F.TP-RDRI-MO 09/06 Important information regarding benefit changes for Vermont residents: AMEX ASSURANCE COMPANY Administrative Office: 480 Pilgrim Way, Suite 1400, Green Bay, WI 54304 For, esidents of Vermont, the Fyent Ticket Protection Plan Descriptiun of Coverage to which this rider is attached is amendeu to include the bald italicized language as follows: Important Additional Information For You AMEX Assurance Company may cancel this Plan at any time by sending a written notice of cancellation accompanied by the r 2ason for caaacellation at least forty-five (45) days in advance to You at Your last known address. Termination or Cancellation 2.1;.e date We determine [hat misrepresentation, non- disclosure or fraud in enrollment or claims presentation has occurred; Under this circumstance, We will provide 45 days advance written notice ofcancellation; 6. Vie end of the period for which required premiums are due bu: not paid. Under this circumstance, We will provide 15 day.; advance written notice of cancellation accompanied by the reason for cancellation to You at Your last known address. They e are no other changes to the Description of Coverage. By: Joy A. Hanson, President John M- Collins, Secretary F•rP-RDRI -VT 09,106 Important information regarding benefit changes for Washington residents: AMEX Assurance Company, Administrative Office: 480 Pilgrim Way, State 1400, Green Bay, WI 54304 For residents of Washington, the Event Ticket Protection Plan Description of Coverage to which this rider is attached is amended to include the bold italicized language as follows: The first paragraph of the "Exclusions" section is deleted and replaced with the following: Exclusions We will not pay for loss caused by any of the excluded events described below. Loss will be considered to have been caused by an excluded event if the occurrence of that event directly and solely results in loss, or initiates a sequence of events that results in loss, regardless of the nature of any intermediate or final event in that sequence. The Description of Coverage provision of the "General Provisions" section is deleted and replaced with the following: General Provisions Description of Coverage Any conflict with the terms of the Description of Coverage will be decided by looking at the intent of the Description of Coverage provided to You. A copy of the Group Insurance Master Policy will be maintained and kept by the Master Policyholder and may be examined at any time. The second point in the Termination or Cancellation provision of the "General Provisions" section is deleted and replaced with the following: General Provisions Termination or Cancellation 2. the date We determine that You or someone on Your behalf intentionally misrepresented or fraud occurred; The last paragraph of the Termination or Cancellation provision of the "General Provisions" section is deleted and replaced with the following: General Provisions Termination or Cancellation The Company has the right to cancel the Policy at any time by sending a written notice at least 45 days in advance to You at Your last known address. The notice will include the reason for cancellation. The second and third paragraphs of the "Important Additional Information For You" section are deleted and replaced with the following: Important Additional Information For You AMEX Assurance Company may cancel this Plan at any time by sending a written notice at least forty-five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation. The Event Ticket Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, De Pere, Wl. The Plan may be, changed or cancelled at any time with notice. The notice will include the reason for cancellation. There are no other changes to the Description of Coverage. By: Joy A. Hanson, President John M. Collins, Secretary ETP-RDRI-WA 09106 The following form numbers are applicable to residents in the following states: Arizona and Indiana, Form Number: ETP-IND 04108 District of Columbia, In the Definitions section the following is added to the definition of Medically Necessary: The fact that a Physician may prescribe, authorize, or direct a service does not of itself make it Medically Necessary or covered by the Plan. ETP-RDRI -DC 05/08 Minnesota, In the Payment of Claims section the following is added: A claim for benefits provided by this Plan will be paid within 5 days of Our receipt and review of Your complete Proof of Loss documentation, and determination that a claim is payable according to the terms, conditions, and exclusions of the Plait. In the Right of Recovery section the following is added: Our rights do not apply against any person insured under this or any other policy we issue with respect to the same occurrence. ETP-RDRI-MN 05/08 Texas, Form Number: ETP-IND 04/08 TX 2009 American Express ? Exhibit B DUPLICATE COPY 9' o ; E . Membefthip"Rewards® SS RE Platinum Card® Points ble Statement of Account ha 9 s d are paid.in at 03/03/09 full and all accounts are in good standing, Prepared For Account Number Closing Date JASON S SEBELIN XXXX-XXXXXO-83001 03103109 Page 1 of 8 A i i New Activity $ inc. Adjustments and Fi Ch if $ A l N B Minimum Payment Due Date mount' Due $ ct v Previous Balance $ Payment ty $ nance arges any ance ew a 03/28/09 Due in Full 450.00 0.00 104.48 554.48 554.48 Minimum Amount Due Fle)dble 0.00 0.00 353.35 353.35 20.00 includes: l 455750 0 00 T t 83 z +457 Past due amount . o a . $450.00 This month's amount due $124.48 Please refer to page 3 for important information regarding your account Your account is past due. Please pay the past due amount immediately. Future late payments may result in an increase in your APR on your Flexible Payment Account. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For -additional-contact-information; -please see-the-reverse -side of this page: - Questions About Your Card? For questions about your Card or account, please refer to Page 2 for the a ppropriate contact s information. Activity . I"dic"- posting data Amount S Total of Payment Activity 0.00 Due in Full Activity for JASON S SEBELIN Amount$ Card >0M-X)000C0MW1 02/01/09 TERRITORY LOUNGE LAKE BUENA VISTA 32.16 RESTAURANT 02104/09 HESS 09573 00000OOOOLAKE BUENA VISTA 40.78 4079380143 Please told on the perforation below, detach and return with your payment + Continued on Page 3 Do not staple or use paper clips Account Number Payment Due Date: To Pay by Computer, visit: Payment Coupon 3713-841860-83001 03/09 americanexpress.com/pbc. Enter account number on New Balance all documents. $ 907,83 Make check payable to 'ill'?I?I'III?I'll???tllttltlll?t?l?'?III???"111'I??II"Illlltll American Express. JASON S SEBELIN Minimum Amount Due $574'4{8 See on on e e gs d 1 9 BRADFORD P L see cti r v i e for rse CARLISLE PA 17015-6910 a description of when additional Finance $ Charges are not assessed I on Features. Amount enclosed Check here if address or phone number has Mail Payment to: 'll?ltt?ltl'1111"1'?Ill?ltl??l?tlll?????l?llfll?tlll?ll???lllIII changed. Note changes on ra?arse side. AMERICAN EXPRESS U P.O. BOX 2855 NEW YORK NY 10116-2855 0 a 14 0 a DUPLICATE COPY AMERICAN Prepared For Account Number Cbaing Date Page 3 of 8 E1t7?RE55 JASON S SEBELIN XXXX-XXXXXO-83001 03/03/09 n Due in Full continued Amount 02106/09 SUNOCO 0309975100 BROOKSVILLE 31.54 AUTO FUEL DISPENSER Total Due in Full Activity 104.48 Flexible Payment Summary Previous Balance 0.00 Payment Activity 0.00 FINANCE CHARGE 2.31 New Charges/Adjustments 351.04 New Balance 353.35 Flexible Payment Activity New Activity for JASON S SEBELIN Amount$ Card XXXX-XXXXXO-83WI 02/07/09 CONNORS STEAK AND 54KNOXVILLE 214.81 8659660933 TIP 35.00 02121/09 SASHA'S HIDEAWAY INCHARRISBURG 136.23 7176519493 FOOD/BEVERAGE 111.23 TIP 25.00 Total of Flexible Payment Activity 351.04 Finance Charge Schedule Billing days this period: 30 Average Dail Daily Annual New FINANCE Balance to which rate applies Balance Periodic Rate Percentage Rate Balance $ CHARGE $ Sign & Travel / ExPO 229.76 0.0335% 12.24% 353.35 2.31 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Important Notice Information on Flexible Payment Features Please refer to page 2 for further important You may have access to one or more Flexible Payment Features as part of your Card account. The current Annual information regarding Percentage Rates (APRs) and Daily Periodic Rates (DPRs) for the Flexible Payment Features are as follows: your account 0 M W O O Q LL r IC M O N a 0 M DUPLICATE COPY ?, Membership Rewards First ERt Monthly Statement and ?R?ss Program News For questions about your Membership Rewards account, contact 1-800-297-1300 www.americanexpress.com/rewards American Express Membership Rewards P.O. Box 297813 Ft. Lauderdale, FL 33329-9785 Statement Period January 1, 2009 - January 31., 2009 Account activity after this period does not appear on this statement Prepared for JASON S SEBELIN Membership Rewards® Account Number 1 M06500828 Points Earned this Period are pending until charges are paid in full and all your accounts are in good standing. Points Earned this Period may include Bonus Points. Total Points Balance 10SIS49 Points Earned this Period 21 Account Summary Opening points balance 105,528 Points earned this period +21 Points used this period 0 Reinstated points and adjustments 0 Total points balance =105,549 Points Earned this Period 01/01/09 - 01/31/09 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Platinum 21 0 21 XXXX-XXXXXO-83001 Totals 21 21 Page 5 of 8 MEMBERSHIP rewards FIRST" Points used this period includes Redemptions and Transfers. Points earned may be used as long as all enrolled Card accounts are in good standing. Points used cannot be reversed back into your program account. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms.& Conditions in your Program Guide. If you have questions, please visit www.americanexpress.com/rewards or call 1-800-297-1300. For international, call collect 305-816-2799. Got FREE Sony Earbud Headphones When You Redeem for This Sony Portable DVD Player Sony's 8" Portable DVD boasts a rugged design with Redeem now! sophisticated features! The swivel and flip screen offers multiple viewing angles. Watch afull-length movie with its up SON'y (MR Message 2682) e to 6-hour battery capacity. Redeem NOW and get FREE Sony Earbud Headphones! Visit membershiprewards.com or call 1-800-AXP-EARN (297-3276) and redeem 31,000 Membership Rewards@ points for either HLX1420 (Black), HLX1423 (Red), HLX1421 (Blue) or HLX1422 (Pink). Terms and conditions. of the Membership Rewards program apply. Redeem Membership Rewards® Points and Stay with Hyatt To preview this With more than 340 locations worldwide, Hyatt Hotels and reward and to redeem points visit Resorts are renowned for distinctive architecture, , membershiprewards. ,rte ! award-winning cuisine and impeccable service. Visit Hyatt corn or cal! Hotels and Resorts and enjoy museums and nightlife in big 1.800-AXP-EARN cities or spas and golf course at our resorts. You can (297-3276). redeem Membership Rewards points for a Premier, Elite or (MR Message 2695) Inspire Hyatt certificate. Terms and conditions of the Membership Rewards program apply. For more information, visit membershiprewards.oomAerms. Taxes and fees may apply. Individual partner restrictions may apply. Participating partners and available rewards are subject to change without notice. DUPLICATE COPY Dff+RE55 Platinum Card® Statement of Account Prepared For Account Number JASON S SEBELIN XXXX-XXXXXO-83001 1-011549 Membership Rewards& Points Available at 04/02/09, when charges due are paid in full and all accounts are in good standing, Closing Date 04/02109 Page 1 of 7 New Aetwdy $ inc. Adjustments and Minimum Payment Due Date Previous Balance $ Payment Activity $ Finance charges if any New Balance $ Amount Due $ 04/27/09 Due in Full 554.48 -554.48 36.80 36.80 36.80 Flexible 353.35 -45.52 3.25 311.08 20.00 Total 907.8311 -600.00 +40.05 • * ' ¦?? Please refer to page 3 for important information regarding your account To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. SIGN UP FOR PAYMENT DUE ALERT. Activity ino"caes poe"m" sae , Amount $ Due in Full Activity for JASON S SEBELIN Amounts Card xxxx-xxXXXO.8300i 03/05/09 UNOCHICAGOGRILL#723 HAGERSTOWN 36.80 8666008667 Description RESTAURANT CHARGES Total Due in Full Activity 36.80 Please told on the perforation below, detach and return with your payment Do not staple or use paper clips Account Number Payment Coupon 3713-841860-83001 11 Jill tl?lll??ltl?ltlll??ll??ll"'?'I'I'IIII?II?III??I?IIIIII?t?I JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 m °o a 0 0 a Continued on Page 3 Payment Due Date: To Pay by Computer, visit: 04/27/09 americanexpress.com/pbc. New Balance $ 347.88 Minimum Amount Due $56.80 I • I Amount enclosed Mail Payment to: '??Illl?lll??lrr?llltlll?'ill'?I??I?Ill?rlltlr?ttlll'll'1I111tIIl AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 Enter account number on all documents. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Features. Check here if address or phone number has changed. Note changes on ra7 arse side. Prepared For s JASON S SEBELIN DUPLICATE COPY Aocount Number Closing Date Page 3 of 7 XXXX-XXXXXO-83001 04/02109 Flexible Payment Summary Previous Balance 353.35 Payment Activity -45.52 FINANCE CHARGE 3.25 New Charges/Adjustments 0.00 New Balance 311.08 Amount$ Total of Flexible Payment Activity 0.00 Finance Charge Schedule Billing days this penod: 30 Average Daily Daily Annual New FINANCE Balance to which rate applies Balance $ Periodic Rate Percentage Rate Balance $ CHARGE $ Sign & Travel / ExPO 323.10 0.0335% 12.24% 311.08 3.25 ------- ------------- ------------ Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Important Notice Information on Flexible Payment Features Please refer to page 2 for further important You may have access to one or more Flexible Payment Features as part of your Card account. The current Annual information regarding Percentage Rates (APRs) and Daily Periodic Rates (DPRs) for the Flexible Payment Features are as follows: your account 0 M O O O LL A m N O IG Q O M DUPLICATE COPY Membership Rewards First'' MW M onthly Statement and Program News For questions about your Membership Rewards account, contact 1-800-297-1300 www.americanexpress.com/rewards American Express Membership Rewards P.O. Box 297813 Ft. Lauderdale, FL 33329-9785 Page 5 of 8 Statement-Period MEMBERSHIP March 1, 2009 - March 31, 2009 rewards Account activity after this period does not appear on this statement Prepared for JASON S SEBELIN Membership RewardsO Account Number 1 M06500828 Points Earned this Period are pending until charges are paid in full and all your accounts are in good standing. Points Earned this Period may include Bonus Points. Total Points Balance ?- 106,005 Points Eamed this Period F 45,61 Account Summary Opening points balance 105,549 Points earned this period +456 Points used this period 0 Reinstated points and adjustments 0 Total points balance =106,005 Points Earned this Period 03101/09 - 03/31/09 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Platinum 456 0 456 XXXX-XXXXXO-83001 FIRST Totals 456 0 456 Points used this period includes Redemptions and Transfers. Points earned may be used as long as all enrolled Card accounts are in good standing. Points used cannot be reversed back into your program account. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms & Conditions in your Program Guide. If you have questions, please visit www.americanexpress.com/rewards or call 1-800-297-1300. For international, call collect 305-816-2799. Earn Double Membership RewardsO Points on Purchases of $75 or More at Origings.com Exclusively at Origins.com, earn double points on every Shop now at purchase of $75 or more using your enrolled American ANI&Ak www/origins.com with Express@ Card through 12/31/09. At Origins, we've been ORIGINS your enrolled American Express Card and earn creating and innovating healthful choices in Skin Care, Hair double Membership Powered by Nature. Proven by Science. Care, Bath and Body, Color and Sensory Therapy@ products Rewards points on using the best of nature along with trying to do what's best purchases of $75 or for the planet and for you. more, through 12/31/09. Offer valid from V1109- 12!31/09. To be eligible to earn bonus points, you must be enrolled in the Membership Rewards program ('Program') at the fine of purchase and you must charge your purchase on (MR Bonus ID 7597) an eligible, enrolled American Express Card. Bonus points will be credited to your Program account within 68 weeks after charges appear on your billing statement. For more information, vied membershiprewards.comRerms or call 1.800-AXP-EARN (2973276). Bonus ID: 7597. Redeem Points for a 4-Might Stay in Orlando and Disney Tickets Enjoy four nights in a spacious Marriott Vacation Club To preview this International villa in Orlando, FL. Packages include a . one-bedroom villa accommodation of Marriott s Grande reward and to redeem points, visit A Vista, Marriott's Cypress Harbour or Marriott's Royal or AICAMON-CLUB membershiprewards. com or call ® 1 N T E R N A T Z O N A L Sabal Palms Resorts, plus two adult tickets for three-day 1-800-AXP-EARN passes to one of the four Walt Disney World@ Theme Parks (297-3276). (Magic Kingdom®, Epcot®, MGM Studios, Disney's Animal (MR Message 2830) Kingdom®). So come be a part of the Disney celebration. Terms and conditions of the Membership RewardsO program apply. For more information, visit members hlprewards.com/lerms. Taxes and fees may apply. Individual partner restrictions may apply. Participating partners and available rewards are subject to change without notice. ,G I z Prepared For JASON S SEBELIN DUPLICATE COPY Account Number Closing Date Page 3 of 7 XXXX-XXXXXO-83001 06/02109 Flexible Payment Summary Previous Balance 598.68 Payment Activity -26.60 FINANCE CHARGE 5.98 New Charges/Adjustments 0.00 New Balance 578.06 Total of Flexible Payment Activity 0.00 Billing days this period: 30 Balance to which rate applies Sign & Travel / ExPO Average Dail Daily Annual New FINANCE Balance Periodic Rate Percentage Rate Balance $ CHARGE $ 595.38 0.0335% 12.24% 578.06 5.98 ----------- Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Important Notice - Information on Flexible Payment Features You may have access to one or more Flexible Payment Features as part of your Card account. The current Annual Percentage Rates (APRs) and Daily Periodic Rates (DPRs) for the Flexible Payment Features are as follows: Sign & Travel, the APR'is 12.24%, the DPR is 0.0335% Sign & Travel, the APR is 12.24%, the DPR is 0.0335% Extended Payment Option, the APR is 12.24%, the DPR is 0.0335% 0 0 0 a LL n Ol N O a N O l+1 Please refer to page 2 for further important information regarding your account DUPLICATE COPY Membership Rewards First' CE Monthly Statement and Page 5 of 7 Program News For questions about your - Rewards account rshi M mb Statement-Period MEMBERSHIP , p e e visit us at April 1, 2009 - April 30, 2009 rewards americanexpress.com/ Account activity after this period does not appear on this statement rewards Prepared for F I R S T or contact us at 1-800-297-1300 JASON S SEBELIN Total Points Balance Membership Rewards@ Account Number 042 1 M06500828 106 American Express , Membership Rewards P.O. Box 297813 Points Earned this Period are Ft. Lauderdale, FL 33329-9785 pending until charges are paid in Points Earned this Period full and all your accounts are in good standing. Points Earned this 37 Period may include Bonus Points. Account Summary Opening points balance 106,005 Points earned this period +37 Points used this period 0 Reinstated points and adjustments 0 Total points balance =106,042 Points Earned this Period 04/01/09 - 04/30/09 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Platinum 37 0 37 XXXX-XXXXXO-83001 Totals 37 0 37 Points used this period includes Redemptions and Transfers. Points earned may be used as long as all enrolled Card accounts are in good standing. Points used cannot be reversed back into your program account. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms & Conditions in your Program Guide. If you have questions, please visit www.ameiicanexpress.com/rewards or call 1-800-297-1300. For international, call collect 305-81 6-2799. Earn Double Points on Purchases Exclusively at reddoorspas.com Give the gift of personal pampering at Red Door Spas, the Beauty, harmony and quintessential relaxation destination. Now until 12/31/09, well-being await. Treat ® red door spas earn double Membership Rewards@ points on all gift ecial. Visomeone sp ourself or pedal. Vlsit certificate and gift card purchases using your enrolled www.reddoorspas.com American Express@ Card at reddoorspas.com. Print to earn double points on last-minute gifts with online Print-A-Gift feature! gift certificate and gift card purchases through Bonus pants fifer valid through 12131/2009 for gift certrficate and gift card purchases at reddoorapas.com onl.y To be eligble to earn bonus points, you must be enrolled in the Membership Rewards program at time t f h d h h December 31, 2009. (MR Bonus ID 8882) ase an you mus o purc c arge your purc ase to an eligible, enrolled American Express Card. Bonus points will be credited to your amount within 6-8 weeks after charges appear on your billfrg statement. Tema and conditions for the Program apply. Individual terms, conditions and restrictions apply to certain Card products. For more information, visit membershiprewards.comfterms or call 1-800-AXP-EARN (297.3276). Bonus ID: 8882. Earn I Ox Points from 1.800-FLOWERS.COMO This summer, send loved ones flowers and gifts from visit 1-800-FLOWERS..COM. You can-earn .1.Ox Membership www.1800flowers.com/ • flo?ers corn Rewards® points when you shop using this special link y p g mil 1.800 FLOWERS or -FLOWERS l www.1800flowers.corn/membershiprewards or call and (promo code MR33). Pick the best. We always dd use promo code MR33. Shop now for a great selection of Remember, offer is only flowers and gifts for your Dad, Grad, or special someone! valid when you use this URL or phone number Offer valid 04/01/09 to 12131109 only on purchases made through www.1800r i lli 1 800 F OWERS and promo code. (MR Bonus ID 5526) rr o code or ca ng (p (promo code MR33). To be eligible to earn bonus points, you must be enrolled in - - L the Membership Rewards program ("Program") at the time of purchase and charge your purchase on an eligible, enrolled American ExpressO Card. Bonus points will be credited to your Program account within 1412 weeks after charges appear on your billing statement. Individual terms and conditions, as well as annual Program fees, apply for certain Card products. For more information on the Program, visit membershlprewards.com/terms or call 1.800-AXP-EARN. Bonus ID: 5526. DUPLICATE COPY t Ess Platinum Card@ MetnbeV.Ohpp Rewalydso Statement of Account Points Available at 0710210 whQr1 Charges due are paid. in full and all abc&Ots are in goad standig.' Prepared For Account Number Cbsing Date JASON S SEBELIN XXXX-XXXXXO-83001 07/02/09 Page 1 of 8 Previous Balance $ Payment Activity $ Now Activ* $ inc. Adjustments and Finance Charges it any Minimum Payment Due Date New Balance $ Amount Due $ p7/27/09 Due in Full 35.05 =35.05 423.61 423.61 423.61 Fle)oble 578.06 -264.95 536.22 849.33 20.00 Total 613.11 -300.00 1 +959.83 Please refer to page 3 for important information regarding your account See Page 8 For A Notice Of Changes To The Membership Rewards Program Terms & Conditions To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. Indicates posting date Activity Amount $ osnQas* EI EC7FtOt?ll PgYk1N1 RFCIY6p THANK 300 00 T Due In Full Activity for JASON S SEBELIN Amount $ Card XXXX-xxxxxo-83001 06104/09 -0392 SHEETZ-0392 - CHAMBERSBURG - - - - - - - - - - - - - - -32.05 GAS STATION 06109/09 WALNUT BOTTOM BP BP CARLISLE 31.90 WALNUT BOTTOM BP 06/11/09 0392 SHEETZ 0392 CHAMBERSBURG 10.66 CONVENIENCE STORE 06/13/09 LIBERTY CENTER GARAGPITTSBURGH 7.00 2167367190 Description PARKING FEES 06116/09 WALNUT BOTTOM BP BP CARLISLE 31.07 WALNUT BOTTOM BP 007/09 LONGBEACHREST BALTIMORE 50.37 BAR/NIGHTCLUB 06/18/09 PMI BWI DAILY A GARABWI AIRPORT 12.00 4108599230 Description Price PARKING LOT/GARAGE 12.00 Please told on the perforation below, detach and return with your payment + Continued on Page 3 Do not staple or use paper clips Account Number Payment Due Date: To Pay by Computer, visit: Payment Coupon 3713-841860-83001 07/27/09 amerlcanexpress.com/pbc. Enter account number on New Balance ail documents. 1111111 oil I..I I III .I 11t I. II I It...III I 272. 94 $1' to Make check American Exrecs. press. JASON S SEBELIN Minimum Amount Due $445 61 See Finance Charges 19 BRADFORD PL , section on reverse side for g CARLISLE PA 17015-6910 a description of when additional Finance $ Charges are not assessed i on Features. 0 Amount enclosed Check here if address or S Mail Payment to: I?111?111111?'III????Iltl???ll'??' ??I??I?Il?l?t??lll??lll?llll?l? phone number has changed. Note changes on Fev?rseside. AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 DUPE ICATE COPY Membership Rewards First' CER Monthly Statement and Page 5 of 8 Program News For questions about your nt hi R M b d Statement"-Period - MEMBERSHIP ewar s accou , em ers p visit us at May1,2009 - May 319 2009 rewards americanexpress.com/ Account activity after this period does not appear on this statement ' rewards Prepared fa F I R S T or contact us at 1-800-297-1300 JASON S SEBELIN Total Points Balance American Express Membership Rewards® Account Number J 1 M06500828 1069987 Membership Rewards P.O. Box 297813 Points Earned this Period are Ft. Lauderdale, FL 33329-9785 pending until charges are paid in Points Earned this Period full and all your accounts are in good standing. Points Earned this 945 include Bonus Points Period ma . y Account Summary Opening points balance 106,042 Points earned this period +945 Points used this period 0 Reinstated points and adjustments 0 Total points balance =106,987 Points Earned this Period 05/01/09 - 05/31/09 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Platinum 945 0 945 XXXX-XXXXXO-83001 Totals 945 0 945 Points used this period includes Redemptions and Transfers. Points earned may be used as long as all enrolled Card accounts are in good standing. Points used cannot be reversed back into your program account. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms & Conditions in your Program Guide. If you have questions, please visit www.americanexpress.com/rewards or call 1-800-297-1300. For international, call collect 305-81 6-2799. Important Information About the Land Br Sea Program Please be advised the Membership Rewards@ Land and Sea Existing hotel program will not be accepting any new hotel bookings as of MEMBERSHIP d ill b di i d d reservations, cancellation and ate. September 30, 2009, an w e scont nue on that r changes can be ewar S Existing hotel reservations, cancellation and changes can be made by calling made by calling Membership Rewards Land and Sea at Membership Rewards 1-800-297-1300 Land and Sea at . 1-800-297-1300. Tema and conditions for the Membership Rewards First® program apply. Vied membershiprewards.conVarms or call 1-800-AXP-EARN (2973276) for more information. (MR M 2946 Particpatirg partners and available rewards are subject to charge without notice. essage ) related rentals 0 a expect more at home. m N Save 33,000 Points on a Panasonic 5011 1080p HD Plasma TV Get the ultimate viewing experience! The new design of this Panasonic 50" 10th generation flat panel TV features 4096 shades of gradation, 1920x1080p resolution and over 68.7 billion colors. Visit membershiprewards.com or call 1-800-AXP-EARN (297.3276) and redeem 245;000 Membership Rewards® points for reward code PRM1604. Terms and conditions of the Membership Rewards program apply. Experience the Rewards of Home with Related Rentals. Earn 25,000 Bonus Points NOW - 8/31/09 Earn 25,000 bonus points when you sign a new Related Rentals lease and choose Automatic Bill Payment using your enrolled American Express@ Card. Plus, each month you can earn one point for every dollar you pay in rent.* It's just one example of Related's dedication to ensuring the complete satisfaction of its residents. Redeem now! (MR Message 2894) Discover the Related Rentals portfolio of properties by visiting www.relatedrentals. com or call 646-RELATED (646-735.2833). Bonus points offer valid 05/01/09 to i2/31/09. To be eligible to earn 25,000 bonus points, you must be (MR Bonus ID 9749) enrolled in the Membership Rewards program ("Program") and rent payment must be made using your eligible, enrolled American Express® Card. Bonus points will be credited to your Program account within 10-12 weeks after charges appear on your billing statement. Individual terms and conditions, as well as annual Program fees, apply for certain Card products. For more information on the Program, visit membershiprewards.com or call 1-800-AXP-EARN (2973276). Bonus ID: 9749. /'`n nFin..crl nn ra.e me DUPLICATE COPY 1;%Q22 R Platinum Card@ Membersh p? Rewalydslj? Points Available Statement of Account at 08/02/09, when charges due are paid in full and all accounts are in goodstanding, Prepared For Account Number Closing Date JASON S SEBELIN XXXX-XXXXXO-83001 08102109 Page 1 of 6 New Activity $ inc. Adjustments and Fi Ch it N B l $ Minimum Amount Due $ Payment Due Date nance arges any ew a ance Previous Balance $ Payment Activity $ 08/27/09 Due in Full 423.61 -423.61 543.48 543.48 543.48 Flexible 849.33 -26.39 331.68 1,154.62 23.00 Total 1,272.94 -450.00 +875.16 ., Please refer to page 4 for important information regarding your account To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. APELCOMEDFORANEND OF SUMMER ADVENTUI OR BACK TO SCHOOL BASICS. REMEMBER-TO USE YOURCARD-FOR VIRTUALLY EVERYTHING, FROM ENJOYING THE-LAST DAYS OF SUMMER TO STOCKING UP ON THE ESSENTIALS AT WALMART. EXPLORE SOME OF THE GREAT PLACES YOUR CARD IS WELCOMED AT AMEXNETWORK.COM/WELCOME2 Activity inocates posnrg sate Amount S 07l24/09* ELEC1 F3f5NIG PAYMENT REGEIVEO THANK - -450.00 Due in Full Activity for JASON S SEBELIN Amount $ Card XXXX-XXXXX0-83001 07/21109 SEA WORLD-MRCHDSE 30ORLANDO 61.70 4073701417 Description Price AMUSEMENT PARK, CIR 61.70 07/22109 MARINA RESTAURANT MAFERNANDINA 904-261-5310 95.98 07/22/09 HESS 09573 OOOOOOOOOLAKE BUENA VISTA 4079380143 28.82 07/25/09 SHELL OIL 2056649539YEMASSEE AUTO FUEL DISPENSER + Please fold on the perforation below, detach and return with your payment + Do not staple or use paper clips Account Number Payment Coupon 3713-841860-83001 I??IIIII???'Illl??ttllttllllll?"'IIIIIIIIII?1'?'??IIII'??I?"III JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 Q m 0 15.76 Continued on Page 3 Payment Due Date: To Pay by Computer, visit: 08/27109 americanexpress.com/pbc. New Balance $1,698.10 Minimum Amount Due $566.48 I • I Amount enclosed Enter account number on all documents. Make check payable to American Express. Mail Payment to: II'I??t?l?ttlllllt1 tt?ltll??ll"?'11IIIIl1'I11I1 AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Features. Check here if address or phone number has changed. Note changes on rav ,arse side. AMERICAN Prepared For EIff+RE55 JASON S SEBELIN DUPLICATE COPY Account Number Closing Date Page 3 of 6 XXXX-XXXXXO-83001 08/02109 Due in Full continued At1O°M 07/25/09 SMILE GAS #2 0807548YULEE 26.38 GAS STATION Description PURCHASE 07/25/09 MCDONALD'S F5032 OOOST GEORGE 19.47 7725971511 07/26109 EXXONMOBIL ROCKY MOUNT 30.38 AUTO FUEL DISPENSER Description GAS/SERVICES 07/26/09 WALNUT BOTTOM BP BP CARLISLE 28.33 WALNUT BOTTOM BP 07/26/09 GLORY DAYS FREDERICKFREDERICK 71.35 RESTAURANT FOOD/BEVERAGE 59.35 TIP 12.00 07/26/09 0232 SHEETZ 0232 MT HOLLY SPRGS 32.20 8149463611 07/26/09 TEXAS STEAKHOUSE #80ROCKY MOUNT 31.83 RESTAURANT Description FOOD/BEVERAGE 07128/09 FOOD & WINE THANK YOU -- 37.00 401308663 MAGAZINE RENEWAL 07/29/09 PILOT 342 00342 CARLISLE 29.35 GAS STATION 07/29/09 ZIA MARIA DENVER 18.50 717-336-1333 07/31/09 ALFREDO PIZZA&RISTORCARLISLE 16.43 7172581166 Total Due in Full Activity 543.48 Flexible Payment Summary Previous Balance 849.33 Payment Activity -26.39 FINANCE CHARGE 9.64 New Charges/Adjustments 322.04 New Balance 1154.62 Flexible Payment Activity New Activity for JASON S SEBELIN Amounts Card x>0cx-XXXXXO-83001 07/20/09 RFC -DISNEY AML RESTLAKE BUENA VIST 105.25 4079389100 0 FOOD/BEVERAGE 87.25 W 0 TIP 18.00 ° a 07/26/09 Doubletree Hotel RWIROCKY MOUNT 110.63 m Arrival Date Departure Date 0 07/25/09 07/26/09 00000000 o LODGING 08/01/09 LONGBEACHREST BALTIMORE _ 106.16 BAR/NIGHTCLUB Total of Flexible Payment Activity 322.04 DUPWC TE COPY Membership Rewards First" S Monthly Statement and Program News For-questions-about your Membership Rewards account, visit us at americanexpress.com/ rewards or contact us at 1-800-297-1300 American Express Membership Rewards P.O. Box 297813 Ft. Lauderdale, FL 33329-9785 Page 5 of 6 Statement-Period - ME MBE RS HIP June 1, 2009 - June 30, 2009 rewards Account activity after this period does not appear on this statement o-41- F I R S T` JASON S SEBELIN Membership Rewards® Account Number 1 M06500828 Points Earned this Period are pending until charges am paid in full and all your accounts are In good standing. Points Earned this Period may include Bonus Points. Total Points Balance 107,022 Points Eamed this Period 35 Account Summary Opening points balance 106,987 Points earned this period +35 Points used this period 0 Reinstated points and adjustments 0 Total points balance =107,022 Points Earned this Period 06/01/09 - 06/30/09 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Platinum 35 0 35 XXXX-XXXXXO-83001 Totals 35 0 35 Points used this period includes Redemptions and Transfers. Points earned may be used as long as all enrolled Card accounts are in good standing. Points used cannot be reversed back into your program account. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms & Conditions in your Program Guide. If you have questions, please visit www.americanexpress.com/rewards or call 1-800-297-1300. For international, call collect 305-816-2799. The following Terms and Conditions apply to this feature, available on or about 08/14/2009: To use this feature and USE POINTS FOR This is an online capability available only to Basic redeem points, visit Consumer and OPEN Cardmembers enrolled in the / me everyiprewards. every daycharges EVERYDAY CHARGES U.S. Membership Rewards® program. Authorized agents, com authorized account managers, Additional Cardmembers (MR Message 2991) and and Authorized Additional Cardmembers are not eligible. All (MR Message 2993) Linked Card accounts must be in good standing. A minimum of 1,000 Membership Rewards points is required and each charge must be offset in full. Use Points for Everyday Charges - Continued: American Express in its discretion will select and display charges eligible for offset with Membership Rewards points. Determination of eligible charges is made by American Express in its sole discretion and can be changed at any time without notice. American Express is under no obligation to make charges available to offset with Mernbershp Rewards points. For each transaction, points will be debitedmmedietey from your Membership Rewards program account and a credit will be issued to your Card account for the corresponding dollar amount within 48 hours. Credits processed alter the Card accounts statement closing date will appear in the following billing period. You are responsible for payment of the amount due on your Card account by the due date even after using this feature. DUPLICATE COPY Membership Rewards First rER Statement and Monthly Program News For questions about your - - - Statement Period Membership Rewards account, visit us at July 1, 2009 - July 31, 2009 americanexpress.com/ Account activity after this period does not appear on this statement rewards Prepared for or contact us at 1-800-297-1300 JASON S SEBELIN Total Points Balance American Express Membership Rewards® Account Number 7 ,07 973 1`M06500828 Membership Rewards P.O. Box 297813 Points Earned this Period are Ft. Lauderdale, FL 33329-9785 pending until charges are paid in Points Earned this Period full and all your accounts are in good standing. Points Earned this 951 Period may include Bonus Points. Account Summary Opening points balance 107,022 Points earned this period +951 Points used this period 0 Reinstated points and adjustments 0 Total points balance =107,973 Page 5 of 7 MEMBERSHIP rewards FIRST" Points Earned this Period 07/01/09 - 07/31/09 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Platinum 951 0 951 XXXX-XXXXXO-83001 Totals 951 0 951 Points used this period includes Redemptions and Transfers. Points earned may be used as long as all enrolled Card accounts are in good standing. Points used cannot be reversed back into your program account. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms & Conditions in your Program Guide. If you have questions, please visit www.americanexpress.com/rewards or call 1-800-297-1300. For international, call collect 305-816-2799. The following Terms and Conditions apply to this feature, available on or about 08/14/2009: To use this feature and USE POINTS FOR This is an online capability available only to Basic redeem points, viserds. Consumer and OPEN Cardmembers enrolled in the U.S. EVERYDAY CHARGES Membership Rewards@ program. Authorized agents, com/every rydaycharges cem/ev Authorized account managers, Additional Cardmembers (MR Message 3439) and and Authorized Additional Cardmembers are not eligible. All (MR Message 3435) Linked Card accounts must be in good standing. A minimum of 1,000 Membership Rewards points is required and each charge must be offset in full. Use Points for Everyday Charges - Continued: American Express in its discretion will select and display charges eligible for offset with Membership Rewards points. Determination of eligible charges is made by American - Express in its sole discretion and can be changed at any time without notice. American E)press is under no obligation to make charges available to offset with Membership Rewards points. For each transaction, points will be debited immediately from your Membership Rewards program account and a credit will be issued to your Card aocount for the corresponding dollar amount within 48 hours. Credits processed after the Card accounts statement closing date will appear in the following billing period. You are responsible for payment of the amount due on your Card account by the due date even after using this feature. DUPLICATE COPY Platinum Card@ Statement of Account Prepared For JASON S SEBELIN 10s,837 Mentl>omhlp RewairdsO Polnts;Avallable at 10/01 /09, when charges; due are paid i full and all accounts are in<good standing, Account Number Closirg Date XXXX-XXXXXO-83001 10/01/09 Page 1 of 7 New Activity $ inc. Adjustments and Previous Balance $ Payment Activity $ Finance Charges if any New Balance $ Minimum Amount Due $ Payment Due Date 10/26/09 Due in Full 507.12 -507.12 255.04 255.04 255.04 Flexible 1,214.02 -292.88 846.79 1,767.93 35.00 Total 1,721.1411 -800.00 11 +1,101.83 1 Pl f 3 t er ease re o page for important information regarding your account To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. WELCOMED TO DINE OUT OR AT THE DRIVE-THRU. REMEMBER TO USE YOUR AMERICAN EXPRES50CARI)FOR A NIGHT OUT OR WHEN YOU ARE ON THE GOAT GREAT PLACES LIKE CHILI'S GRILL & BAR, CALIFORNIA PIZZA KITCHEN, T.G.I. FRIDAY'Sm, BURGER KING, QUIZNOS, CARIBOU COFFEE EXPLORE MORE GREAT PLACES YOUR CARD IS WELCOMED AT AMEXNETWORK.COM/WELCOME6 Activity * Indicates posting date Amount $ 09/25/09* ELECTRONIC PAYMENT RECEIVED-THANK -800.00 Due in Full Activity for JASON S SEBELIN Amount$ „ Card XXXX-XXXXXO-83001 09/19/09 TEXAS ROADHOUSE #220HARRISBURG 74.45 7175651194 FOOD/BEVERAGE 62.45 TIP 12.00 09/19/09 RUBY TUESDAY #3670 OLANCASTER 8003250755 Description RESTAURANT CHARGES + Please told on the perforation below, detach and return with your payment + Do not staple or use paper clips Account Number Payment Coupon 3713-841860-83001 111111111111111 1111111111111111111111111111111111 it I JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 a N 55.64 Continued on Page 3 Payment Due Date' To Pay by Computer, visit: 10/26/09 americanexpress.com/pbc. New Balance $ 2,022.97 Minimum Amount Due $290.04 ? I Amount enclosed Enter account number on all documents. Make check payable to American Express. Mail Payment to: 10 t?l?ttl?l?ll'??I'??I?t?tlll?l"?IIII?II??II??IIII?I?III11111111" AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Features. Check here if address or phone number has changed. Note changes on rev ,arse side. AMERICAN Prepared For o?RESS JASON S SEBELIN DUPLICATE COPY Account Number Closing Date Page 3 of 7 XXXX-XXXXXO-83001 10/01/09 Due in Full continued Amount 09/27/09 INTERNETWASHER SOFTWARE 79.95 SOFTWARE INTERNETWASHER ONLINE ORDER 146481529 09/29/09 TRAVEL + LEISURE THANK YOU - 45.00 401344831 MAGAZINE RENEWAL Total Due in Full Activity 255.04 Flexible Payment Summary Previous Balance 1214.02 Payment Activity -292.88 FINANCE CHARGE 13.62 New Charges/Adjustments 833.17 New Balance 1767.93 Flexible Payment Activity New Activity for JASON S SEBELIN Amount$ Card XXXX-)00=0-83001 09121/09 BASS PRO SHOPS StoreHARRISBURG 130.31 SPORTING GOODS STORE 09/24/09 PATAGONIA MAIL ORDER800-638-6464 313.95 SPORTS CLOTHING 09/25/09 MARRIOTT 33703PHCVTNPHILADE LPHIA 103.08 Arrival Date Departure Date 09/25/09 09125/09 00000000 09/27/09 MARRIOTT 33703PHCVTNPHILADELPHIA 43.20 Arrival Date Departure Date 09/25/09 09/26109 00000000 09/27/09 MARRIOTT 33703PHCVTNPHILADELPHIA 242.63 Arrival Date Departure Date 09125/09 09/26/09 00000000 Total of Flexible Payment Activity 833.17 Finance Charge Schedule Billing days this period: 30 Average Dail Daily Annual New FINANCE Balance to which rate applies Balance Periodic Rate Percentage Rate Balance $ CHARGE $ Sign & Travel / ExPO 1,354.95 0.0335% 12.24% 1,767.93 13.62 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. a 0 0 4 LL n m y m Important Notice Information on Flexible Payment Features Please refer to page 2 for further important You may have access to one or more Flexible Payment Features as part of your Card account. The current Annual information regarding Percentage Rates (APRs) and Daily Periodic Rates (DPRs) for the Flexible Payment Features are as follows: your account Sign & Travel, the APR is 12.24°/a, the DPR is 0.0335% Sign & Travel, the APR is 12.24%, the DPR is 0.0335% Extended Payment Option, the APR is 12.24%, the DPR is 0.0335% iM For questions about your Membership Rewards account, visit us at americanexpress.com/ rewards or contact us at 1-800-297-1300 American Express Membership Rewards P.O. Box 297813 DUPWCATE COPY Membership Rewards First' Monthly Statement and Program News Statement Period August 1, 2009 - August 31, 2009 Account activity after this period does not appear on this statement Prepared for JASON S SEBELIN Membership Rewards@ Account Number 1 M06500828 Points Earned this Period are Total Points Balance 108,83? Ft. Lauderdale, FL 33329-9785 pending until charges are paid in Points Earned this Period full and all your accounts are in good standing. Points Earned this Period may include Bonus Points 864 F . Account Summary Opening points balance 107,973 Points earned this period +864 Points used this period 0 Reinstated points and adjustments 0 Total points balance =108,837 Points Earned this Period 08/01/09 - 08/31/09 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Platinum 864 0 864 XXXX-XXXXXO-83001 Page 5 of 7 MEMBERSHIP rewards FIRST" 864 Points used this period includes Redemptions and Transfers. Points earned may be used as long as all enrolled Card accounts are in good standing. Points used cannot be reversed back into your program account. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms & Conditions in your Program Guide. If you have questions, please visit www.americanexpress.com/rewards or call 1-800-297-1300. For international, call collect 305.816-2799. a LL n m N O O r` O C7 :N Platinum Card® Statement of Account Prepared For JASON S SEBELIN DUPLICATE COPY Account Number Closing Date XXXX-XXXXXO-83001 11/01/09 New Activity $ inc. Adjustments and Minimum Amount Due $ Payment Due Date Previous Balance $ Payment Activity $ Finance Charges 6 any New Balance $ 11/26/09 Due in Full 255.04 -255.04 390.79 390.79 390.79 Flexible 1,767.93 -144.96 3,790.52 5,413.49 108.00 Total 2,022.971 1 -400.00 +4,181.31 ¦ 4 Pl f t ease re er o page for important information regarding your account See Page 7 For A Notice Of Changes To Your Agreement To manage your Card account online or to pay your bill, please visit us at mamericanexpress.com. For additional contact information, please see the reverse side of this page.' WELCOMED FOR BUYING GROCERIES AM? - ------------- -----oR-DtNIN-G-OUT-.- - ---- YOUR AMERICAN EXPRESS' CARD IS WELCOMED AT THE SUPERMARKET AND RESTAURANTS. WHETHER YOU Cards Weloeme ARE DINING IN OR DINING OUT, REMEMBER TO USE YOUR CARD EVERYDAY. ACtiVlty 'Indicates Posting date Amount $ 10/26/09* ELECTRONIC PAYMENT RECEIVED-THANK > - -4000 Due in Full Activity for JASON S SEBELIN Amounts card XXXX-XXXYXO-83001 10/01/09 Charlie Brown's of HHarrisburg 99.44 (717)558-8449 TIP 16.00 i; LL N O 10/02/09 STOLIDT BREWING COM 5ADAMSTOWN 7174844386 TIP 15.00 { Please told on the perforation below, detach and return with your payment Do not staple or use paper clips Account Number Payment Coupon 3713-841860-83001 '11??111'I?"I?'1?'I?I?I??II?II?IIIIItII??llll??lll?rl?l?111111?? JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 Page 1 of 9 86.30 Continued on Page 3 Payment Due Date: To Pay by Computer, visit: 11/26/09 americanexpress.com/pbc. New Balance $ 5,804.28 Minimum Amount Due $498.79 Amount enclosed Mail Payment to: 11 1111111 111111 1111 T I 1 -1111111111 AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 1:09,449 (Membership Rewalyds0 Points <Available at 11/01/09, when charges due are, paid it full and all accounts are in;good standing: Enter account number on all documents. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Features. Check here if address or phone number has changed. Note changes on 7rse side. DUPLICATE COPY Prepared For JASON S SEBELIN Account Nurrber Closing Date XXXX-XXXXXO-83001 11/01/09 Page 3 of 9 0) Due in Full continued Amount 10103/09 TURKEY HILL # 293 008005380705 32.11 8005380705 AUTOMATED FUEL 10/15/09 LXR Casa Marina F&B Key West 59.08 (305)296-3535 10/19/09 NEIMAN-MARCUS #18 OOFT LAUDERDALE 68.90 DEPARTMENT STORE Description Price LIPS 20.00 FACE 45.00 10130/09 WALNUT BOTTOM BP BP CARLISLE 44.96 WALNUT BOTTOM BP Total Due in Full Activity 390.79 Flexible Payment Summary Previous Balance 1767.93 Payment Activity -144.96 FINANCE CHARGE 44.64 -New-ChargeslAdjustments 3745.88 New Balance 5413.49 Flexible Payment Activity New Activity for JASON S SEBELIN AmOunt$ Card )0=-)0000(0-& =1 10/05/09 SHERATON HOTELS LANGLANGHORNE 299.64 Arrival Date Departure Date 10/02/09 10/04/09 00000000 LODGING 10/14/09 PATAGONIA MAIL ORDER800-638-6464 300.00 SPORTS CLOTHING 10/15/09 A & B LOBSTER/ALONZOKEY WEST 198.08 RESTAURANT FOOD/BEVERAGE 168.08 TIP 30.00 10/16/09 WYLAND OF KEY WEST #KEY WEST 521.50 9543510508 Description Price ART DEALER/GALLERY 521.50 10/16/09 BAGATELLE KEY WEST 220.98 RESTAURANT FOOD/BEVERAGE 185.98 TIP 35.00 10/16/09 WESTIN HOTELS KEY W KEY WEST 92.40 °D o° 305-294-4000 a LL TIP 15.00 h 10/19/09 Mandarin Oriental Mi(305) 913-8300 1,109.00 0024361146 33131 Lodging M 10/19/09 Mandarin Oriental Mi(305) 913-8300 14.28 0243611461 17015 Lodging DUPE ICATE COPY ?, Membership Rewards First Monthly Statement and Page 5 of 9 Program News For questions about your Membership Rewards account, visit us at americanexpress.com/ rewards or contact us at 1-800-297-1300 American Express Membership Rewards P.O. Box 297813 Ft. Lauderdale, FL 33329-9785 -Statement Period MEMBERSHIP September 1, 2009 - September 30, 2009 rewards Account activity after this period does not appear on this statement Prepared for JASON S SEBELIN Membership Rewards® Account Number 1 M06500828 Points Earned this Period are pending until charges are paid in full and all your accounts are in good standing. Points Earned this Period may include Bonus Points. Total Points Balance 109,449 Points Earned this Period 612 Account Summary Opening points balance 108,837 Points earned this period +612 Points used this period 0 Reinstated points and adjustments 0 Total points balance =109,449 Points Earned this Period 09/01/09 - 09/30/09 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Platinum 612 0 612 XXXX-XXXXXO-83001 Totals 612 FIRST" Points used this period includes Redemptions and Transfers. Points earned may be used as long as all enrolled Card accounts are in good standing. Points used cannot be reversed back into your program account. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms & Conditions in your Program Guide. If you have questions, please visit www.americanexpress.com/rewards or call 1-800-297-1300. For international, call collect 305-816-2799. Redeem Membership Rewards@ Points for the Banana Republic Gift Cards To start redeeming Exceptional quality, luxury fabrics and refined tailoring define today, log on to BANANA REPUBLIC Banana Republic's signature style. Every season, you'll find om oe ahiprewards. a new collection of well-designed clothing and accessories 1-800-AXP-EARN for men and women. (297-3276). Terms and conditions for the Membership Rewards program apply. Visit memberohlprowaMs.comlterma (MR Message 3630) or call 1.800•AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to charge without notice. You Can Earn Double Points on Americana Manhasset GiftCard'Purchases Dec 10.15, 2009 Earn double Membership Rewards® points on Americana To, purchase an American Manhasset GiftCard purchases of $100 or more when you AMERICANA Manhasset GlftCard, visit our Concierge Store. pay with your enrolled American Express@ Card. Our M A N H A SS ET GiftCard is exquisitely wrapped and redeemable at over 60 (MR Bonus ID 5530) Shops: Gucci*, Louis-Vuitton; riaa;' endi, Etro, Cartier," Hirshleifer's Juicy Couture, Intermix, Theory, Ralph Lauren, Tiffany & Co., and more. Offer valid 12/10/09-12/15/09 on Americana Manhasset GAGard purchases of $100 or more in a single transaction. To be eligible to earn bonus points, you must be enrolled in the Membership Rewards program at the time of purchase and you must charge your purchase on an eligible, enrolled American E)press Card. Bonus points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your billing statement. Bonus ID: 5530 AMERICAN t7ff?RE55 Platinum Card® Statement of Account Prepared For JASON S SEBELIN DUPLICATE COPY 1-405"P.37 Mernbersh1p?'f eward0l Points liable at 12/01/09, when charges due are paid in full and all accounts are in goodstandingl' Account Number Closing Date XXXX-XXXXXO-83001 12101/09 Page 1 of 7 New Activity $ inc. Adjustments and 9 Fi Ch N B l Minimum Amount Due $ Payment Due Date Previous Balance $ Payment Activity $ arges any nance ew a ance $ 12/26/09 Due in Full 390.79 -390.79 281.80 281.80 281.80 Flexible 5,413.49 -609.21 114.41 4,918.69 98.00 804.28 Total 5 -1,000.00 +396.21 ® 1 % , Please refer to page 3 for important information regarding your account To manage your Card account online or to pay your bill, please visit us at www.americanexpress.com. For additional contact information, please see the reverse side of this page. WELCOMED AT A DAY SPA OR DEPARTMENT STORES. _ REMEMBER TO USE YOUR AMERICAN EXPRESS' CARD FOR A LITTLE INDULGENCE OR TO FINISH YOUR HOLIDAY SHOPPING AT GREAT PLACES LIKE RED DOOR SPAS, LANDS END', KOHL'S AND SPORTS AUTHORITY. EXPLORE MORE GREAT PLACES YOUR CARD IS WELCOMED AT AMEXNETWORK.COM/WELCOME70 Activity rnoicates posing awe Amount s 11/25/09`` ELECTRONIC' PAYMENt-RECEIVED-THANK -1,000.00 Due in Full Activity for JASON S SEBELIN Amount; Card XXXX-XXXXX0-83001 11/06/09 WALNUT BOTTOM BP BP CARLISLE 30.49 WALNUT BOTTOM BP 11/11/09 CHILI'S GRIL#1113 CARLISLE 44.61 1-800-983-4637 11/21/09 PENN'S PEAK JIMTHORPE 64.84 MOVIE THEATER 11/25/09 T G I FRIDAYS #0485 CHAMBERSBURG RESTAURANT FOOD/BEVERAGE 47.36 TIP 9.00 Please fold on the perforation below, detach and return with your payment Do not staple or use paper clips Account Number Payment Coupon 3713-841860-83001 I?Itt?li?irllrtlilllllllllllltil?t?IIr1111i?IIIIIII?tIIIIIIIIIIJ JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 co S LL m 0 0 0 56.36 Continued on Page 3 Payment Due Date: To Pay by Computer, visit: 12/26/09 americanexpress.com/ptx:. New Balance $ 5,200.49 Minimum Amount Due $379.80 • I Amount enclosed Mail Payment to: lII'IIIhIIIIhIII?l1lllt?11111 -111 11-111 AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 Enter account number on all documents. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Features. Check here if address or phone number has changed. Note changes on 17rse side. it DUPLICATE COPY AMERICAN Prepared For Account Number Closing Date Page 3 of 7 , RESS JASON S SEBELIN XXXX-XXXXXO-83001 12/01/09 a Due in Full continued Amount 11/28/09 MACALUSO'S AT THE LNNESQUEHONING 85.50 570-669-9433 Description FOOD/BEVERAGE Total Due in Full Activity 281.80 Flexible Payment Summary Previous Balance 5413.49 Payment Activity -609.21 FINANCE CHARGE 67.05 New Charges/Adjustments 47.36 New Balance 4918.69 Flexible Payment Activity New Activity for JASON S SEBELIN Amount$ Card XXXX-XXXXX083W1 -11/19/09 PATAGONIA MAIL'ORDER800-638-64164 -300.00 SPORTING GOODS STORE Credit 11/07/09 BOSS SAFETY PRODUCTSRANCHO SANTA MA 187.37 8004180150 Description Price MEDICAL EQUIP/SUPPL 187.37 11/29/09 GANDER MOUNTA1102103DICKSON CITY 159.99 651-3254300 Total of Flexible Payment Activity 47.36 Finance Charge Schedule Billing days this period: 30 Average Dail Daily Annual New FINANCE Balance to which rate applies Balance Periodic Rate Percentage Rate Balance $ CHARGE $ Sign & Travel / ExPO 5,346.70 0.0418% 15.24% 4,918.69 67.05 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Important Notice Information on Flexible Payment Features Please refer to page 2 for further important You may have access to one or more Flexible Payment Features as part of your Card account. The current Annual information regarding Percentage Rates (APRs) and Daily Periodic Rates (DPRs) for the Flexible Payment Features are as follows: your account Sign & Travel, the APR is 15.240%, the DPR is 0.0418% Sign & Travel, the APR is 15.24%, the DPR is 0.0418% 0 o 0 a LL A m N O OD r 0 Extended Payment Option, the APR is 15.24%, the DPR is 0.0418% DUPLICATE COPY Ptepared For Account Number Page 4 of 7 JASON S SEBELIN XXXX-XXXXXO-83001 Fleidble Payment continued Amount 12/23/09 HOLIDAY INN HARRISBUHARRISBURG -108.90 Arrival Date Departure Date 12/22109 12123/09 00000000 LODGING 12/24/09 HOTEL HERSHEY RESTAUHERSHEY 193.21 7175348825 FOOD/BEVERAGE 158.21 TIP 35.00 Total of Fleidble Payment Activity 1,879.65 Finance Charge Schedule Billing days this penod: 31 Balance to which rate applies Sign & Travel / ExPO Average Dail Daily Annual New FINANCE Balance ? Periodic Rate Percentage Rate Balance $ CHARGE $ 5,795.51 0.0417% 15.245/a 6,505.06 74.92 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Important Notice Renewal Notice Your membership renews next month. The following account terms are in effect at time of renewal, unless otherwise indicated. Statement Information: The amount due on any statement is payable upon receipt of the statement and must be paid by the closing date of the next statement to keep your account current. Annual Fee: The annual fee is $450.00 for the Basic Platinum Card, $175.00 for up to three Additional Platinum Cards on your Account and $175.00 for each Additional Platinum Card on your Account after the first three. The annual fee is $45.00 for up to five Additional Gold Cards on your Account and $45.00 for each Additional Gold Card on your Account after the first five. You can avoid paying the annual fee by discontinuing your membership by calling the Customer Service telephone number on Page 2 when you receive the statement on which the annual fee is billed. The $5.00 annual subscription fee for Departures magazine is included in the annual fee for your Platinum Card membership. If you do not wish to receive Departures magazine, please call 1-877-509-3993, Monday through Friday, 9am - 5pm EST. Gracie Period for Purchases on Flexible Payment Features: 30 days on average if previous balance is paid in full, for enrollees in Sign & Travel® or Extended Payment Option Flexible Payment Features - otherwise, no grace period. Method of Computing the Balance Subject to Finance Charge for Purchases on Flexible Payment Features: Average Daily Balance (including new purchases, excluding new purchases made on the Sign & Travel or Extended Payment Option Flexible Payment Feature by Cardmembers enrolled in such Features). APR Information: The Annual Percentage Rates (APRs) and Daily Periodic Rates (DPRs) for each billing period may vary based on the applicable Prime Rate. The Prime Rate used to determine the variable APRs and DPRs is the Prime Rate published in The Wall Street Journal (a) on the first day of that billing period or (b) two days prior to the Closing Date of that billing period, whichever is higher: For either of those dates that is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding customary publication day. Please see your Cardmember Agreement. Any promotional rate will terminate if you fail to pay the minimum amount due by the payment due date or upon any condition that causes a default or other penalty rate to apply to your account and then the applicable default or penalty rate will apply. You may have access to one or more Flexible Payment Features as part of your Card account. Any APRs and DPRs listed below are applicable to the following as of the Closing Date of this statement. Tier Rate Description APR DPR STANDARD Prime + 11.99% 15.24% 0.0418% DEFAULT Prime + 23.99% 27.24% 0.0746% Please refer to page 2 for further important information regarding your account DUPLICATE COPY Prepared For JASON S SEBELIN Account Number XXXX-XXXXXO-83001 Page 4 of 7 Flexible Payment continued Amount 3 12/23/09 HOLIDAY INN HARRISBUHARRISBURG 108.90 Arrival Date Departure Date 12/22109 12/23/09 00000000 LODGING 12/24/09 HOTEL HERSHEY RESTAUHERSHEY 193.21 7175348825 FOOD/BEVERAGE 15821 TIP 35.00 Total of Flexible Payment Activity 1,879.65 Finance Charge Schedule Billing days this period: 31 Balance to which rate applies Sign & Travel / ExPO Average Dailyy Daily Annual New FINANCE Balance $ Periodic Rate Percentage Rate Balance $ CHARGE $ 5,795.51 0.0417% 15.24% 6,505.06 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. 74.92 Important Notice Renewal Notice Your membership renews next month. The following account terms are in effect at time of renewal, unless otherwise indicated. Statement Information: The amount due on any statement is payable upon receipt of the statement and must be paid by the closing date of the next statement to keep your account current. Annual Fee: The annual fee is $450.00 for the Basic Platinum Card, $175.00 for up to three Additional Platinum Cards on your Account and $175.00 for each Additional Platinum Card on your Account after the first three. The annual fee is $45.00 for up to five Additional Gold Cards on your Account and $45.00 for each Additional Gold Card on your Account after the first five. You can avoid paying the annual fee by discontinuing your membership by calling the Customer Service telephone number on Page 2 when you receive the statement on which the annual fee is billed. The $5.00 annual subscription fee for Departures magazine is included in the annual fee for your Platinum Card membership. If you do not wish to receive Departures magazine, please call 1-877-509-3993, Monday through Friday, 9am - 5pm EST. Grace Period for Purchases on Flexible Payment Features: 30 days on average if previous balance is paid in full, for enrollees in Sign & Travel® or Extended Payment Option Flexible Payment Features - otherwise, no grace period. Method of Computing the Balance Subject to Finance Charge for Purchases on Flexible Payment Features: Average Daily Balance (including new purchases, excluding new purchases made on the Sign & Travel or Extended Payment Option Flexible Payment Feature by Cardmembers enrolled in such Features). APR Information: The Annual Percentage Rates (APRs) and Daily Periodic Rates (DPRs) for each billing period may vary based on the applicable Prime Rate. The Prime Rate used to determine the variable APRs and DPRs is the Prime Rate published in The Wall Street Journal (a) on the first day of that billing period or (b) two days prior to the Closing Date of that billing period, whichever is higher. For either of those dates that is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding customary publication day. Please see your Cardmember Agreement. Any promotional rate will terminate if you fail to pay the minimum amount due by the payment due date or upon any condition that causes a default or other penalty rate to apply to your account and then the applicable default or penalty rate will apply. You may have access to one or more Flexible Payment Features as part of your Card account. Any APRs and DPRs listed below are applicable to the following as of the Closing Date of this statement. Please refer to page 2 for further important information regarding your account Tier Rate Description APR DPR STANDARD Prime + 11.99% 15.24% 0.0418% DEFAULT Prime +23.99% 27.24% 0.0746% DUPLICATE COPY Membership Rewards First AMERtIAN E1WRE55 Monthly Statement and Program News For questions about your Statement Period Membership Rewards account, November 1, 2009 - November 30, 2009 visit us at americanexpress.com/ Account activity after this period does not appear on this statement rewards or contact us at 1-800-297-1300 Prepared for JASON S SEBELIN Total Points Balance Membership Rewards® Account Number 114 67 3 American Express 1 M06500828 Membership Rewards P.O. Box 297813 Ft. Lauderdale, FL 33329-9785 Points Earned this Period are pending until charges are paid in Points Earned this Period full and all your accounts are in good standing. Points Earned this 4 136 Period may include Bonus Points. Account Summary Opening points balance 110,537 Points earned this period +4,136 Points used this period 0 Reinstated points and adjustments 0 Total points balance =114,673 Page 5 of 7 MEMBERSHIP rewards FIRST' Points Earned this Period 11/01/09 - 11/30/09 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Platinum 4,136 0 4,136 XXXX-XXXXXO-83001 Totals 4,136 0 - 4,136 Points used this period includes Redemptions and Transfers. Points earned may be used as long as all enrolled Card accounts are in good standing. Points used cannot be reversed back into your program account. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms & Conditions in your Program Guide. If you have questions, please visit www.americanexpress.com/rewards or call 1-800-297-1300. For international, call collect 305-816-2799. Everything that Entertains You Is on the !Pod@ Touch iPod© touch lets you enjoy everything you love about an Redeem now. iPod®, and then some. Watch your movies and TV shows on (MR Message 3733) a brilliant 3.5-inch display. Store up to 40 hours of video and 1POd get up to 6 hours of video playback time. With built-in Wi-Fi and Bluetooth you can surf the web, send e-mails, and get directions from anywhere you are. Get the 32GB iPod® Touch now! Visit membershiprewards.com or call 1-800-AXP-EARN (297-3276) and redeem 51,600 Membership Rewards® points for reward code PRM2994. Terms and conditions of the Membership Rewards program apply. Participating partners and available rewards are subject to change without notice. A World of Style. Now Pocket-Sized. Redeem Points for a Saks Gift Card To redeem your .Saks Fifth Avenue sits at the.center of.the.fashion universe, _ Membership Rewards points today, log on to featuring world-renowned and up-and-coming designers, membomhlprewards. exquisite customer service and exclusive items you can't find corn or call anywhere else. Saks Gift Cards are accepted at our 53 1-800-AXP-EARN stores in 25 states, 50 Saks Fifth Avenue OFF 5TH stores or (297-3276). online at saks.com, with no expiration date. (MR Message 3742) Terris and conditions for the Membership Rewards® program apply. Visit membershlprewards.com/terms or call 1-600-AXP-EARN (2973276) for more information. Participating partners and available rewards are subject to change without notice. Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By --All- -- -11111 he Ai-11-inn fig fhn mnrnh?nt fhftf v^rr mnnf fhnen nrifnriga DUPLICATE COPY 111-:145:00 2. CEW Memberssihip Rewalydso Platinum Card® Paints.: Available Statement of Account at 02/02/10, when charges due are paid in full and all accounts are in good standing. Prepared For Amount Number Closing Date JASON S SEBELIN XXXX-XXXXXO-83001 02/02110 Page 1 of 8 Previous Balance $ Payment Activity $ New Activity $ inc. Adjustments and Finance Charges if any Minimum New Balance $ Amount Due $ Payment Due Date 02/27/10 Due in Full 394.39 -394.39 513.09 513.09 513.09 Flexible 6,505.06 -355.61 328.93 6,478.38 130.00 Total 6,899.45 -750.00 +842.02 I ¦® Please refer to page 3 for important information regarding your account IMPORTANT NOTICE ABOUT PRIME RATE: As a result of new federal credit card regulations, we are simplifying the way that the Prime Rate is determined for variable interest rates. Accordingly, effective April 8, 2010, the second and third sentences of the subsection about the Prime Rate in your Cardmember Agreement are deleted and replaced with: "The Prime Rate for each billing period is the Prime Rate published in The Wall Street Journal 2 days before the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published." See page 7 for important Privacy Notice and the following page for important Electronic Fund Transfer Error Resolution Notice To-manage your-Card- account-online-or to-pay-your biH,- please -visit-us-at www.americanexpress.com.- - For additional contact information, please see the reverse side of this page. Use Membership RewardsO Points for Donations to Haiti MEMBERSHIP rewards' American Express@ Cardmembers enrolled in the Membership Rewards program can redeem points to support charities aiding the relief effort in Haiti. For every 1,000 points, $10 will be donated to your charity of choice. You can choose from a list of organizations that are dedicated to the Haiti earthquake relief effort. There is no limit to the number of Membership Rewards points you can donate, provided you have the available'points balance in your Membership Rewards account. You can donate points in increments of 1,000, 5,000, 10,000, 50,000, and 100,000. Cardmembers can also charge a donation on their American Express Card. To donate, go to http://amex.justgive.org/disaster/halti_quake.isp Activity ` Indicates posting date Amount $ 01/12/10ELECTRONIC PAYM5NT RECEivEDITHANK 750•00 Please foid on the perforation below, detach and return with your payment Do not staple or use paper clips Amount Number Payment Coupon 3713-841860-83001 IIItItIItII?I?IttIIIIIIIIItlttrt?lullJtlltllllllrl'Illllltltl?l JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 m N 0 M Continued on Page 3 Payment Due Date: To Pay by Computer, visit: 02127/10 americanexpress.com/pbc. New Balance $ 6,991.47 Minimum Amount Due $643.09 • I Amount enclosed Mail Payment to: I'III'lIII111111111?IJlllllll'I'lllllllllllll'I'lllllll'll?lllrl AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 Enter account number on all documents. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Features. Check here if address or phone number has changed. Note changes on rarse side. 0000371384186083001 000699147000064309 01 H DUPLICATE COPY Prepared JASON S SEBELIN calcm For c? Due in Full Activity for JASON S SEBELIN Account Number Closing Date Page 3 of 8 XXXX-XXXXXO-83001 02/02/10 Amount 01104110 WALNUT BOTTOM BP BP CARLISLE tnIel NI IT RnTTOM RP 02/02/10 Membership Renewal Fee 513.09 Total Due in Full Activity Flexible Payment Summary Previous Balance ti it A 6505.06 61 -355 v y c Payment . FINANCE CHARGE 85.72 New Charges/Adjustments 243.21 New Balance 6478.38 Flexible Payment Activity Amount $ New Activity for JASON S SEBELIN Card xxxx-XXXXXOM001 79.91 01/14/10 Comfort Inn OOOOOOOODenver Arrival Date Departure Dafe 01/13/10 01/14/10 00000000 LODGING 01/20/10 CHAR'S BELLA MUNDO 5HARRISBURG 163.30 7172134002 FOOD/BEVERAGE 136.30 TIP 27.00 Total of Flexible Payment Activity 243.21 Finance Charge Schedule Billing days this period: 32 Average Dail Daily Annual New lance $ B R FINANCE CHARGE $ a ate Balance to which rate applies Balance Periodic Rate Percentage Sign & Travel / ExPO 6,423.50 0.0417% 15.24% 6,478.38 85.72 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Important Notice Please refer to page 2 Information on Flexible Payment Features for further important You may have access to one or more Flexible Payment Features as part of your Card account. The current Annual information regarding Percentage Rates (APRs) and Daily Periodic Rates (DPRs) for the Flexible Payment Features are as follows: your account O Sign & Travel, the APR is 15.240/6, the DPR is 0.0418% o Sign & Travel, the APR is 15.241/6, the DPR is 0.0418% Extended Payment Option, the APR is 15.241/6, the DPR is 0.0418% m N 0 O W W O M DUPLICATE COPY M Prepared For Account Number Closing Date Page 3 of 8 JASON S SEBELIN XXXX-XXXXXO-83001 03/02/10 c? Activity Ind?cales posting dffie Amounts 02/26/10' ELECTRONIC PAYMENT RECEIVEQ-THANK 65Q:00 Amount $ Total Due in Full Activity 0.00 Flexible Payment Summary Previous Balance 6478.38 Payment Activity -136.91 FINANCE CHARGE 88.69 New Charges/Adjustments 1582.85 New Balance 8013.01 Flexible Payment Activity New Activity for JASON S SEBELIN Amounts Card XXXX-XXXXXO- 3001 232.76 02/02/10 MIKADO JAPANESE STEAMECHANICSBURG ----- ------------ ----- RESTAURANT 02/13/10 BUCKMAN'S SKI SHOP 8KING OF PRUSSI 1,006.89 SPORTING GOODS STORE _ 02/13/10 MORTON'S OF PHI LADELPHI LADE LPHIA 343.20 3129230030 FOOD/BEVERAGE 263.20 TIP 80.00 Total of Flexible Payment Activity 1,582.85 Finance Charge Schedule Billing days this period: 28 Average Daily Daily Annual New FINANCE Balance to which rate applies Balance $ Periodic Rate Percentage Rate Balance $ CHARGE $ Sign & Travel / ExPO 7,595.58 0.0417%O 15.24% 8,013.01 88.69 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Important Notice Please refer to page 2 Information on Flexible Payment Features for further important You may have access to one or more Flexible Payment Features as art of your Card account. The current Annual information regarding Percentage Rates (APRs) and Daily Periodic Rates (DPRs) for the Flexible Payment Features are as follows: your account Sign & Travel, the APR is 15.24%, the DPR is 0.0418% m Sign & Travel, the APR is 15.24%, the DPR is 0.0418% 0 Extended Payment Option, the APR is 15.24%, the DPR is 0.0418% LL r m N O O O O M i DUPLICATE COPY Platinum Card® Statement of Account Prepared For JASON S SEBELIN Account Number XXXX-XXXXXO-83001 111' a ll Membership' Rewards@ Points Available at 04/02/1 Q, when charges due are paid in full and a{l accounts are in good standing, Closing Date 04/02/10 Pagel of 9 i New Activity $ inc. Adjustments and Fi Ch it Minimum $ Amount Due $ N l B Payment Due Date Previous Balance $ Payment Activ ty $ arges nance any ew a ance 04/27/10 Due in Full 0.00 0.00 0.00 0.00 0.00 Flexible 8,013.01 -500.00 102.56 7,615.57 152.00 Please refer to page 3 Total 013.01 8 -500.00 +102.56 for important information , regarding your account Late Payment Warning: Your Payment Due Date is 04/27/10. If you pay late, you will have to pay a late fee of $35.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges You will pay off the Flexible balance And for the Flexible balance you will and each month you pay... shown on this statement in about... pay an estimated total of... Only the Minimum Amount Due 24 years $16,751 $265 _ - 3 years - - - - ----_$9;536...._- (Savings = $7,215) 8 °o m N O If you would like information about credit counseling services, call 1-866-391-5446. See Page 9 For A Notice Of Changes To The Membership Rewards Program Terms & Conditions To manage your card account online onto pay your bill, please visit us at www.americanexpress.com. For general servicing or additional contact information, please see the reverse side of this page or call the number on the back of your card. { Please fold on the perforation below, detach and return with your payment Do not staple or use paper clips Account Number Payment Coupon 3713-841860-83001 II'IIIIIIIIIIIIII"III11'IIiIIII11111'1'1'111"11'111????111i1111 JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 Continued on Page 3 Payment Due Date: To Pay by Computer, visit: 04/27/10 americanexpress.com/pbc. New Balance $ 7,615.57 Minimum Amount Due $152.00 l ? I Amount enclosed Mail Payment to: I' 1111111'1'1111') l'111'11"1111111111111'1'1 1111111 111 AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 0000371384186083001 000761557000015200 01 rt Enter account number on all documents. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Features. Check here if address or phone number has changed. Note changes on ravarse side. z Prepared For JASON S SEBELIN DUPLICATE COPY Account Number Closing Date Page 3 of 9 XXXX-XXXXXO-83001 04/02/10 PAY ONLINE OR ON THE GO. Enjoy flexibility in paying your American Express' Card bill. Visit americanexpress.com and choose from a variety of quick and easy payment methods. Q CHOOSE YOUR WAY TO PAY Visit americanexpnss.com/payonlineto learn more. ON YOUR COMPUTER: o Pay immediately o Schedule a future payment o Set up automatic payments with AutoPay ON YOUR MOBILE PHONE: o Pay now or schedule payment for a later date -Activity ' Indicates posting date Amount $ 03/26/10' ELECTRONIC PAYMENT RECEIVED-THANK 500.D0 Amount $ Total Due in Full Activity 0.00 Flexible Payment Summary Previous Balance 8013.01 - - - - Payment-Activity- -500.00 FINANCE CHARGE 102.56 New Charges/Adjustments 0.00 New Balance 7615.57 Amount Total of Flexible Payment Activity 0.00 Finance Charge Sche Billing days this period: 31 Balance to which rate applies Sign & Travel / ExPO 102.56 Average Daily Daily Annual New FINANCE Balance $ Periodic Rate Percentage Rate Balance $ CHARGE $ 7,934.11 0.0417%a 15.24% 7,615.57 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Important Notice Information on Flexible Payment Features Please referto page 2 for further important You may have access to one or more Flexible Payment Features as part of your Card account. The current Annual information regarding Percentage Rates (APRs) and Daily Periodic Rates (DPRs) for the Flexible Payment Features are as follows: your account Sign & Travel, the APR is 15.240%, the DPR is 0.0417% Sign & Travel, the APR is 15.24%, the DPR is 0.0417% 0 M Extended Payment Option, the APR is 15.24%, the DPR is 0.0417% 0 a n m N O a m 0 co For questions about your Membership Rewards account, visit us at americanexpress.com/ rewards or contact us at 1-800-297-1300 American Express Membership Rewards P.O. Box 297813 Ft. Lauderdale, FL 33329-9785 DUPE ICATE COPY ?, Membership Rewards First Monthly Statement and Program News Statement Period February 1, 2010 - February 28, 2010 Account activity after this period does not appear on this statement Prepared for JASON S SEBELIN Membership Rewards@ Account Number 1 MO650O828 Points Eamed this Period are pending until charges are paid in full and all your accounts are in good standing. Points Earned this Period may include Bonus Points. Total Points Balance 1170 1 Points Earned this Period 306 Account Summary Opening points balance 117,275 Points earned this period +306 Points used this period 0 Reinstated points and adjustments 0 Total points balance =117,581 Points Earned this Period 02/01 /1 0 - 02128/10 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Page 5 of 9 ME MBE RS111P rewards FIRST` Platinum :cud u JUQ XXXX-XXXXXO-83001 Totals 306 0 306 Points used this period includes Redemptions and Transfers. Points earned may be used as long as all enrolled Card accounts are in good standing. Points used cannot be reversed back into your program account. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms & Conditions in your Program Guide. If you have questions, please visit www.americanexpress.com/rewards or call 1-800-297-1300. For international, call collect 305-816-2799. DUPLICATE COPY ; '9, :C4 M Platinum Card* Membershl Rowairlds(g' Points Available Statement of Account at 05/02/10, when charges due are paid it full and all accounts are in good standing Prepared For Account Number Closing Date JASON S SEBELIN XXXX-XXXXXO-83001 05102110 Page 1 of 7 Previous Balance $ New Activity $ inc. Adjustments and Payment Activity $ Finance Charges if any New Balance $ Minimum Payment Due Date Amount Due $ 05/27/10 Due in Full 0.00 0.00 567.43 567.43 567.43 Flexible 7,615.57 -400.00 240.35 7,455.92 149.00 Please refer to page 4 Total 7,615.57 -400.00 +807.78 for important information ardin our account re g y g Late Payment Warning: Your Payment Due Date is 05/27/10. If you pay late, you will have to pay a late fee of $35.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. . For example: If you make no additional charges You will pay off the Flexible balance And for the Flexible balance you and each month you pay... shown on this statement in about... will pay an estimated total of... Only the Minimum Amount Due 23 years $16,382 - ---------------------------------- ------------ ---------------- ---- - --- - If you would like information about credit counseling services, call 1-866-391-5446. IMPORTANT INFORMATION ABOUT THE BILLING STATEMENT. The payment coupon has changed. To better protect your privacy, your Card account number has been removed from the payment coupon of the billing statement. Please have your Card number available when contacting American Express. To manage yowr account online or to pay your bill, please visit us at americanexpress.com. For general servicing or additional contact information, please see the reverse side of this page or call the number on the back of your card. The Exclusive Resorts benefit offering discounts to the membership fee and dues has been discontinued. Please note that Exclusive Resorts continues to proudly accept the -Mass American Express@ Card. You may contact American Express member services at the number on the back of your Card if you have any questions. Activity • indicates posting dace Amount $ 04/27110` ELECTRONIC PAYMENT RECEIVED=THANK 400.00:': + Please toll on the perforation below, detach and return with your payment + Do not staple or use paper clips Account Number Payment Coupon XXXX-XXXXXO-83001 llrl?lrltrlltlrrlllllllll!!'I'!II'I!!"'ll'IIIIIIIII'!I'llll'rll? JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 Continued on Page 3 Payment Due Date: To Pay by Computer, visit: 05/27/10 americanexpress.com/pbc. New Balance $ 8,023.35 Minimum Amount Due $716.43 Amount enclosed Mail Payment to: II'111111'II'llllllrlllll'1111'lIIIIII!'!I!'!I'lllllll!'ll"1'111 AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 Enter account number on all documents. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Features. Check here if address or phone number has changed. Note changes on 7rse side. DUPLICATE COPY AMERICAN Prepared For Account Number Closing Dale Page 3 of 7 RE55 JASON S SEBELIN XXXX-XXXXXO-83001 05/02110 .a Due in Full Activity for JASON S SEBELIN Amount Card XXXX-XXXXXO-83001 21 63 04/06110 CARTER LUMBER CLBROOCARLISLE . 3306736100 Description Price MISC 21.63 04/08/10 WALNUT BOTTOM BP 422CARLISLE 75.71 717-249-1727 Quantity Description Price 23 Regular Diesel 3.19 04/08/10 WALNUT BOTTOM BP 422717-249-1727 59.89 0981701917013 General Tobacco _ 04/09/10 HOTEL HERSHEY RESTAUHERSHEY 44.97 7175348825 FOOD/BEVERAGE 36.97 TIP 8.00 04110/10 THE WILD DUCK CAFE 8MIDDLE RIVER 72.00 RESTAURANT TIP 12.00 04/12/10 HUMMELSTOWN BP 42203HUMMELSTOWN 74.33 717-533-6501 Quantity Description Price 23 Regular Diesel 3.09 04/13/10 AEPC MEMBER SERVICES 800-214-0039 89.95 401448137 T+L ELITE TRAVELER 04123/10 AEPC MEMBER SERVICES 800-365-4357 - 99.95 401459154 SG EXEC PRIVILEGE 04/28/10 TRANSACTION PROCESSED BY AMERICAN EXPRESS 29.00 CREDIT CARD REGISTRY (800)910-4609 Total Due in Full Activity 567.43 Flexible Payment Summary Previous Balance 7615.57 Payment Activity -400.00 FINANCE CHARGE 96.24 New Charges/Adjustments 144.11 New Balance 7455.92 Flexible Payment Activity New Activity for JASON S SEBELIN Amount$ Card >0=-XXXXXO-83001 04/10/10 WEST MARINE 01281 01 BALTIMORE 144.11 410-687-8290 Total of Flexible Payment Activity 144.11 0 CD W 0 0 m Finance Charge Schedule Billing days this period: 30 Average Daily Daily Annual New FINANCE $ Balance to which rate applies Balance $ Periodic Rate Percentage Rate Balance $ CHARGE $ 0 P1 Sign & Travel / ExPO 7,692.70 0.0417% 15.241/o 7,455.92 96.24 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. ('.nnfin??orJ nn navarm DUPLICATE COPY , Membership Rewards First AMERICAN RE55 Monthly Statement and Program News For questions about your - Statement Period visit se at hip Rewards account, March 19 2010 - March 310 2010 americanexpress.com/ Account activity after this period does not appear on this statement rewards or contact us at 1-800-297-1300 Prepared for JASON S SEBELIN Total Points Balance American Express Membership Rewari:188 Account Number 1195164 1 M06500828 Membership Rewards P.O. Box 297813 Points Earned this Period are Ft. Lauderdale, FL 33329-9785 pending until charges are paid in Points Earned this Period full and all your accounts are in good standing. Points Earned this Period may include Bonus Points. Account Summary Opening points balance 117,581 Points earned this period +1,583 Points used this period 0 Reinstated points and adjustments 0 Total points balance =119,164 Page 5 of 7 MEMBERSHIP rewards FIRST' Points Earned this Period 03/01/10 - 03/31/10 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Platinum 1,583 0 1,583 XXXX-XXXXXO-83001 Totals 1,583 0 1,583 Points used this period includes Redemptions and Transfers. Points earned may be used as long as all enrolled Card accounts are in good standing. Points used cannot be reversed back into your program account. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms & Conditions in your Program Guide. If you have questions, please visit www.americanexpmss.com/rowards or call 1-800-297-1300. For international, call collect 305-816-2799. Spring into Rewards and Save! SPRING INTO ONLINE BETWEEN MAY 1 AND JUNE 90.2010 This spring save on select rewards when you use Big Brands. Big n l Bi S Membership Rewards@ points between May 1 and June 30, . Selectio g a e. 2010. Visit membershiprewards. Claim your reward online at: com/myrewards to use membershiprewards.com/myrewards points and save. Offers valid for solicited U.S. Membership Rewards program enrollees only. Offers must be redeemed online (MR Message 3928) between 51112010 and 6/300010, are not transferable or cornbinable with other offers, and may be altered and/or terminated at any fame without notice. All Card accounts linked to an enrollee's program account must be active and not in default at the time of point redemption. Individual terms, conditions and restrictions apply to each offer. Visit memberahlprewards.comlmyrewards for all offer details. Terms and conditions for the Membership Rewards program apply. Visit membershiprewarda.comlterms or call 1800-AXP-EARN (297-3276) for more information. Shop AmericanaManhasset.com and Earn Double Points on All Purchases Through 12/31/2010 Shop AmericanaManhasset.com's exclusive, hand-picked Shop online! selection of hip and luxurious items from_HIRSHLEIFER'S,.a..._. AMERICANA .www.Americana Manhasset.com. one-of-a-kind boutique featuring a remarkable collection of M A N H ASSET European and American couture clothing and accessories (MR Bonus ID 8444) from designers including Balenciaga, Mark Davis, Lucien Pellat-Finet, Aurora Lopez, and more! Offer valid 01/01/09 -12/31/10 on all purchases at www.AniericarksManhasset.com. To be eligible to earn bonus points, you must be enrolled in the Membership Rewards® program at the time of purchase and you must charge your purchase on an eligible, enrolled American Express® Card. Bonus points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your billing statement. Individual terms and conditions, as well as annual Program fees, apply for certain Card products. For more information on the Membership Rewards program, visit membershiprewards.com/terms or call 1-800-AXP-EARN (2973276). Bonus ID: 8444. Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By AMERICAN EXPRESS Platinum Card® Statement of Account Prepared For JASON S SEBELIN DUPLICATE COPY Account Number XXXX-XXXXXO-83001 11 ,164 Membership RewaridsljD Points Available at 06/02/10, when charges' due are paid it full and all accounts are in good standing closing Date 06/02/10 Page 1 of 7 New Activity $ Minimum Previous Balance $ Payment Activity $ Inc. AdjusNrents and Finance Charges A any New Balance $ Amount Due $ Due in Full 567.43 -567.43 373.07 373.07 373.07 Flexible 7,455.92 -149.00 467.45 7,774.37 155.00 Total 8,023.35 C_ -716.43 +840.52 ¦ Payment Due Date 06/27/10 Please refer to page 4 for important information regarding your account Late Payment Warning: Your Payment Due Date is 06/27/10. If you pay late, you will have to pay a late fee of $35.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges You will payoff the Flexible balance And for the Flexible balance you and each month you pay... shown on this statement in about... will pay an estimated total of... Only the Minimum Amount Due 24 years $17,120 If you would like information about credit counseling services, call 1-866-391-5446. To manage your card account online or to pay your bill, please visit us at www.americanexpress.com. For general servicing or additional contact information, please see the reverse side of this page or call the number on the back of your card. PAY ONLINE, ON THE GO & BE GREEN ON YOUR COMPUTER: Want to make your life easier? Enjoy flexibility in paying your American Expresse G Pay immediately Card bill by choosing from a variety of quick and easy payment methods. Plus, o Schedule a future payment helping to reduce paper consumption is just a simple, environmentally-friendly o Set up automatic payments with AutoPay choice for reducing our impact on the earth. ON YOUR MOBILE PHONE: © CHOOSE YOUR WAY TO PAY o Pay now or schedule payment for a later date Visit amedcanexpress.com/payonfine to learn more. 11 + Please told on the perforation below, detach and return with your payment + Do not staple or use paper clips Account Number Payment Coupon XXXX-XXXXXO-83001 III'I'11"'I'IIIII11111111111??1111'111i11'I111111'111'I'IIIII??I JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 a m 0 Continued on Page 3 Payment Due Date: To Pay by Computer, visit: 06/27/10 americanexpress.com/pbc. New Balance $8,1 47.44 Minimum Amount Due $528.07 I • I Amount enclosed Mail Payment to: ill'11111'11"'111111'ill'111111111iII11111111111111111'ill"'ll AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 Enter account number on all documents. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Features. Check here if address or phone number has changed. Note changes on 17 rse side. 000034999049?593865 000814?4400005280? 01 ri DUPLICATE COPY Prepared For JASON S SEBELIN C? Account Number Closing Date Page 3 of 7 XXXX-XXXXXO-83001 06/02/10 Activity * Indicates posting date Amount $ 05/27110' ELECTRONIC POWNT RECEIVED-THANK 716:43 Due in Full Activity for JASON S SEBELIN Amount$ Card XXXX-XXXXX&83001 %05/30/10 ' THEHOME, ' DEPOT' 2502 BALTIMORE ! -18':98; 999-999-9999 Credit 05/07/10 WALNUT BOTTOM BP 422CARLISLE 58.86 717-249-1727 Quantity Description Price 18 Regular Diesel 3.25 05/07/10 CHILI'S GRIL#1113 CARLISLE 59.59 1-800-983-4637 05/21/10 WALNUT BOTTOM BP 422CARLISLE 77.18 717-249-1727 Quantity Description Price 24 Regular Diesel 3.19 05/21110 - CAPTAINS-CAFE _ --MIDDLE RIVER 6835 RESTAURANT FOOD/BEVERAGE 68.35 05129/10 TOM'S #18 NEW FREEDOM 55.09 MISC FOOD STORE Quantity Description 19 FUEL 05/29/10 THE HOME DEPOT#4177NEW FREEDOM 34.52 999-000-0000 05130/10 THE HOME DEPOT 2502 BALTIMORE 38.46 999-999-9999 Total Due in Full Activity 373.07 Flexible Payment Summary Previous Balance 7455.92 Payment Activity -149.00 FINANCE CHARGE 97.85 New Charges/Adjustments 369.60 New Balance 7774.37 Flexible Payment Activity New Activity for JASON S SEBELIN Amount$ cam xxXa-XXX"0_ 3W1 05/09110 ALLENBERRY RESORT 54BOILING SPRIN 84.59 Arrival Date Departure Date 05109/10 05/09/10 00000000 C 0 LODGING co 05/30/10 CHEESECAKE BALTIMOREBALTIMORE _ 124.51 LL 410-234-3990 m FOOD 103.51 c TIP 21.00 i; 05/31/10 LONG BEACH MARINA 82BALTIMORE 160.50 410-335-8602 Description MARINE RENTALS Total of Flexible Payment Activity 369.60 Continued on reverse AMERICAN EGRESS For questions about your Membership Rewards account, visit us at americanexpress.com/ rewards or contact us at 1-800-297-1300 American Express Membership Rewards P.O. Box 297813 DUPWCATE COPY , Membership Rewards First Monthly Statement and Program News Statement Period April 1, 2010 - April 30, 2010 Account activity after this period does not appear on this statement Prepared for JASON S SEBELIN Total Points Balance Merrtership Rewards® Account Number 119,1641 1 M06500828 Points Earned this Period are Ft. Lauderdale, FL 33329-9785 pending until charges are paid in Points Earned this Period full and all your accounts are in good standing. Points Earned this include Bonus Points Period ma Q . y Account Summary Opening points balance 119,164 Points earned this period 0 Points used this period 0 Reinstated points and adjustments 0 Total points balance =119,164 Page 5 of 7 MEMBERSHIP rewards FIRST" Points Earned this Period 04101/10 - 04/30/10 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Platinum 0 0 0 XXXX-XXXXXO-83001 Totals 0 0 0 Points used this period includes Redemptions and Transfers. Points earned may be used as long as all enrolled Card accounts are in good standing. Points used cannot be reversed back into your program account. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms & Conditions in your Program Guide. If you have questions, please visit www.americanexprL-ss.com/rewards or call 1-800-297-1300. For international, call collect 305-81 6-2799. Big Brands. Big Selection. Big Sale Save on select rewards this spring when you use 30 M 1 d J d @ i t b t b hi R SPRING INTO M Spring Into Rewards and Save! visit une , e ween ay an ewar s po n s em ers p membershiprewards. 2010. :e ., com/myrewardsto use points and save. ONLINE BETWEEN MAY I AND JUNE 90,2010 Claim your reward online at: me mbershiprewards.com/myrewards (MR Message 3968) Offers valid for solicited U.S. Membership Rewards program enrollees only. Offers must be redeemed online between 5112010 and 6302010, are not transferable or combinable with other offers, and may be altered and/or terminated at any time without notice. All Card accounts linked to an enrollee's program account must be active and not in default at the time of point redemption. Individual terms, conditions and restrictions apply to each offer. Visit membershiprewards.com/myrewards for all offer details. Terms and conditions for the Membership Rewards program apply. Visit membershlprewards.conAerms'or call 1-600-AXP-EARN (297-3276) for more intimation. Save 11% on a Canon 12.1 Megapixell Digital Camera with Sx Optical Zoom with the looks and smarts that This camera is a show off visit , make you want .to..carry .it out in the. open.. for everyone to " membershiprewards. ........... wide touch panel PureColor System LCD, ?see. Features a 3 1-800 AXP-EARN Active Display for quickly switching between images during (297-3276) and redeem playback with a shake of the camera, ultra-wide 24mm lens, 53,500 points for reward Optical Image Stabilizer, and 720p HD movie shooting code RY6484. capability. Includes 2G13 SD memory card, battery, charger, (MR Message 3969) wrist strap, USB/AV cables, and CD-ROM. Save 6,700 points when you redeem now! Terms and conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1.800-AXP-EARN (2973276) for more information. Participating partners and available rewards are subject to charge without notice. a r m N O a 0 N O M Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By Platinum Card' AMERICAN EICPRE55 JASON S SEBELIN Closing Date 07/02/10 DUPLICATE COPY p. 1 /7 Account Ending 0-83001 Membership RewardsO Points As of 07/02/10 119,847 ? For details, please see your Membership Rewards page. Account Summary Pray in Full Portion Previous Balance $ 373.07 Payments/Credits -$373.07 New Charges +$172.42 Fees +$0.00 New Balance $172.42 New Balance $8,095.40 Minimum Payment Due $330.42 Late Payment Waming: Your Payment Due'Date is 07/27/10. If you pay late, you will have to pay a late fee of $35:00. Payment Due Date 07/27/10 Minimum Payment Warning: If you make only the minimum payment each period, you wi II pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the Pay Over And for the Pay Over Time charges and each month you Time balance shown on this balance you will pay an pay... statement in about... estimated total of... Onlythe Minimum Payment Due 24 ears y $17,496 If you would like information about credit counseling services, call 1-866-391-5446. P See page 2 for important information about your account. WELCOMED To RENT A CAR AND FILL UP ITS TANK. AMERIWV e ! - YOUR AMERICAN EXPRESS' CARD 15 WELCOMED FOR CAR RENTALS AND AT E?RE55 GAS STATIONS. WHETHER GETTING AWAY FOR THE WEEKEND OR FILLING UP THE TANK TO RUN ERRANDS, REMEMBER TO USE YOUR CARD EVERY DAY. EXPLORE MORE GREAT PLACES TO USE YOUR CARD AT AMEXNETWORK.COM/WELCOME Pay Over Time Portion Previous Balance $7,774.37 Payments/Credits -$173:22 New Charges +$222.60 Fees +$0.00 Interest Charged +$99.23 New Balance _ $7,922.98 Minimum Due $158.00_ Account Total Previous Balance $8,147.44 Payments/Credits -$546.29 New Charges +$395.02 Fees +$0.00 Interest Charged +$99.23 New Balance $8,095.40 ' Minimum Payment Due $330.42 Days in Billing Period: 30 Customer Care Pay by Computer americanexpress.com/pbc Customer Care Pay by Phone 1-800-525-3355 1-800-472-9297 See page 2 for additional information. 0 a 0 N O + Please fold on the perforation below, detach and return with your payment + Payment Coupon Pay by Computer Pay by Phone Enter account number on all documents. ® Do not staple or use paper clips © amerlcanexpress.com/pbc 1-800-472-9297 Make check payable to American Express. Please print clearly in blue or black ink only. 11111111111111111111111 111 1'1'11"'1'1'1'1111 JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 Check here if your address or phone number has changed. Note changes on reverse side. Payment Due Date 07/27/10 New Balance $8,095.40 Minimum Payment Due $330.42 r11111111111'11111111"11'1111'111'1111111'111111111r11n1111'1II AMERICAN EXPRESS $ • P.O. BOX 1270 Amount Enclosed NEWARK NJ 07101-1270 0000349990497593865 000809540000033042 01 d DUPLICATE COPY Platinum Card' AMERICAN EXPRESS JASON S SEBELIN Closing Date 07/02/10 Payments and Credits Summary p. 3/7 Account Ending 0-83001 Pay In Full Pay Over Time ? Total Payments -$356.78 -$173.22 -$530.00 Credits JASON S SEBELIN 0-83001 -$16.29 -$16.29 Total Payments and Credits -$373.07 -$173.22 -$546.29 1 Detail *Indicates posting date Payments Amount 06/2S/10* JASON S SEBELIN ELECTRONIC PAYMENT RECEIVED-THANK -$530.00 Credits Amount 06/12/10 JASON S SEBELIN THE HOME DEPOT#4149CARLISLE 999-000-0000 -$16.29 Pay In Full Pay Over Time ? Total JASON S SEBELIN 0-83001 $172.42__ $222.60 $395.02 Total New Charges $172.42 $222.60 $395.02 Detail ? - denotes;Ny Over Time activity For more information, visit americanexpress.com/payovertimeinfo JASON 5 SEBELIN ® Card Ending 0-83001 Amount 06/03/10 WALNUT BOTTOM BP 422CARLISLE $55.38 717-249-1727 Quantity Description Price 17 Regular Diesel $3.09 06/04/10 DARRYLS AUTO SERVICELEHIGHTON $74.04 610-377-2840 06/11/10 APPALACHIAN BREWING HARRISBURG $43.00 RESTAURANT TIP $6.00 06/12/10 SUNGLASS HUT 041472BALTIMORE $222.60 410-9317391 0 ro 0 0 m N Fees O S Amount N O Total Fees for this Period $0.00 Continued on reverse DUPLICATE COPY ?, Membership Rewards First p.5n AMERICAN EJ? RE55 Monthly Statement and n Program News For questions about your t hi R d M Statement Period MEMBERSHIP s accoun , ewar embers p visit us at May 2010 - May 31, 2010 rewards americanexpress.com/ Account activity after this period does not appear on this statement F I R ST' rewards or contact us at 1-800-297-1300 Prepared for JASON S SEBELIN Total Points Balance Membership Rewards® Account Number 119 847 1 M06500828 American Express 9 Membership Rewards P.O. Box 297813 Points Earned this Period are Ft. Lauderdale, FL 33329-9785 pending until charges are paid in Points Earned this Period full and all your accounts are in good standing. Points Earned this 683 Period may include Bonus Points. Account Summary Opening points balance 119,164 Points earned this period +683 Points used this period 0 Reinstated points and adjustments 0 Total points balance =119,847 Points Earned this Period 05/01/10 - 05/31/10 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Platinum 683 0 683 XXXX-XXXXXO-83001 Totals 683 0 683 Points used this period includes Redemptions and Transfers. Points earned may be used as long as all enrolled Card accounts are in good standing. Points used cannot be reversed back into your program account. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms & Conditions in your Program Guide. If you have questions, please visit www.americanexpress.com/rewards or call 1-800-297-1300. For international, call collect 305-81 6-2799. Shop at AmericanaManhasset.com - Earn Double Points on All Purchases Through 12/31/2010 Shop AmericanaManhasset.com's exclusive, hand-picked Shop online! selection of hip and luxurious items from HIRSHLEIFERS, a www•americana AMERICANA one-of-a-kind boutique featuring a remarkable collection of manhasset.com M A N H A SS E T European and American couture clothing and accessories (MR Bonus ID 8444) from designers including Lanvin, Miu Miu, Givenchy, Phillip Lim, Alexander McQueen, and more! Offer valid 01101A11261/10 on all purchases at AmencanaManhasset.oom. To be eligible to earn bonus points, you must be enrolled in the Membership RewardsO program at the time of purchase and you must charge your purchase on an eligible, enrolled American Expresso Card. Bonus pants will be credited to your Membership Rewards@ account within 6-8 weeks after charges appear on your billing statement. Individual terms and conditions, as well as annual Program fees, apply for certain Card products. For more information on the Membership Rewards program, visit MembershipRewards.ccm/rerms or call 1-800-AXP-EARN (297-3276). Bonus ID: 8444. Earn Double Points for Spa Getaways at Three Exclusive Resorts Earn double Unwind. and.: indulge. at.Terranea..or...Estan.cia.. La.-Jolla in - Membership Rewards points At three premier DESTINATION California, or the Inn & Spa at Loretto in Santa Fe. Staying at resorts in California and ,/1111; HOTELS & RESORTS these luxury spa retreats can earn you double New Mexico. For more Membership RewardsO points through 9/30/10. information, go to www.destinationhotels. com/rewards Offer valid 1/1/10-12!31/10 at select participating hotels only. To be eligible to earn bonus points, you must be (MR Message 4597) enrolled in the Membership Rewards program at time of stay & charge your stay on an elgible, enrolled American ExpressO Card. 20% discount is based on availability, valid for new reservations only, and upgrade is based on availability at check in. Ineligible rates include but are not limited to,[internet wholesale rates, traditional wholesale rates, or contracted rooms. Bonus points will be credited to your e Membership Rewards account within 6-8 weeks after charges appear on your billing statement. m Bonus IDs: 8981, 3786, 3787, 3788 Continued on reverse Cardmembers who meet certain qualifying criteria. By Platinum Card' AMERICAN ElweESS JASON S SEBELIN Closing Date 08/02/10 DUPLICATE COPY New Balance Minimum Payment Due Payment Due Date $8,559.58 $868.06 08/27/10 p. 1 /8 Account Ending 0-83001 Membership RewardsO Points As of 08/02/10 120,591. For details, please see your Membership' Rewards page. Account Summary Pay In Full Portion Previous Balance $172,42 Payments/Credits -$172.42 New Charges +$711.06 Fees +$0:00 New Balance = $711.06 - Pay Over Time Portion Previous Balance $7,922.98 Payments/Credits -$408.10 New Charges +$229.97 Fees +$0.00 Interest Charged +$103.67 New Balance $7,848.52 ..Minimum Due- $157.00 Late Payment Waming: Your Payment Due Date is 08/27/10. If you pay late, you will have to pay a;latefee of $35.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay offthe Pay Over And forthe Pay Over Time charges and each month you Time balance shown on this balance you will pay an pay... statement in about... estimated total of... Only the Minimum Payment Due 24 years $17,321 If you would like information about credit counseling services, call 1-866-391-5446. P) See page 2 for important information about your account. WELCOMED FOR AN END OF SUMMER ADVENTURE T&L 0 OR BACK TO SCHOOL BASICS. REMEMBER TO USE YOUR CARD FOR VIRTUALLY EVERYTHING, FROM ENJOYING THE LAST DAYS OF SUMMER TO STOCKING UP ON THE ESSENTIALS. EXPLORE MORE GREAT PLACES YOUR CARD IS WELCOMED AT AMEXNETWORK.COM/WELCOME Account Total Previous Balance $8,095.40 Payments/Credits -$580.52 New Charges +$941.03 Fees +$0.00 Interest Charged +$103.67 New Balance $8,559.58 Minimum Payment Due $868.06 Days in Billing Period: 31 Customer Care Pay by Computer americanexpress.com/pbc Customer Care Pay.by Phone 1-800-525-3355 1-800-472-9297 See page 2 for additional information, M co 4 r N O + Please fold on the perforation below, detach and return with your payment + ® Payment Coupon Pay by Computer Pay by Phone Enter account number on all documents. Do not staple or use paper clips amerlcanexpress.com/pbc 1-800-472-9297 Make check payable to American Express. Please print clearly in blue or black ink only. u?II??I?'Il??llnr?rl?lnlnllll?'?'?I?I?Illrlnll'?I?IIIIrIIIII JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 ? Check here if your address or phone number has changed. Note changes on reverse side. Payment Due Date 08/27/10 New Balance $8,559.58 Minimum Payment Due $868.06 IIIInInI11rII??11 IIIIIr?I?IrIiI?llr?rlnrIlllln?IInIIIILl111 AMERICAN EXPRESS $ P.O. BOX 1270 Amount Enclosed NEWARK NJ 07101-1270 0000349990497593865 000855958000086806 01 d Platinum Card' AMERIt71N DO?RE S JASON S SEBELIN Closing Date 08/02/10 DUPLICATE COPY p. 3/8 Account Ending 0-83001 Payments and Credits Summary Pay In Full Pay Over Time ? Total Payments -$91.90 -$408.10 -$500.00 Credits JASON S SEBELIN 0-83001 Total Payments and Credits -$80.52 -$172.42 $0.00 -$408.10 -$80.52 -$580.52 Detail "Indicates posting date Payments Amount 07/20/10* JASON S SEBELIN ELECTRONIC PAYMENT RECEIVED-THANK -$500.00 Credits Amount 08/01/10 JASON 5 SEBELIN THE HOME DEPOT#4149CARLISLE -$80.52 999-000-0000 --------- - - -- New Charges Summary Pay In Full Pay Over Time ? Total JASON 5 SEBELIN 0-83001 $711.06 $229.97 $941.03 Total New Charges $711.06 $229.97 $941.03 Detail ? -denotes Pay Over Time activity For more information, visit americanexpress.com/payovertimeinfo JASON 5 SEBELIN e Card Ending 0-83001 Amount 07/03/10 CRUTCHFIELD.COM 4190CHARLOTTESVIL $21.00 800-955-9091 Description CONSUMER ELECT 07/03/10--- CRUTCHFIELD.COM 41.90CHARLOTTESVIL _ $229.97-+-- 800-955-9091 Description CONSUMER ELECT 07/16/10 WALNUT BOTTOM GULF OCARLISLE $48.55 7172491727 07/16/10 WALNUT BOTTOM GULF OCARLISLE 0 $64.95 ro 7172491727 0 0 a 07/16/10 ROYAL FARMS # 024 80BALTIMORE LL $16.08 m 4103357567 N Description Price SERVICE STATION $16.08 N M07117110 WALNUT BOTTOM GULF OCARLISLE $45.54 7172491727 07117110 APPALACHIAN BREWING HARRISBURG $67.50 RESTAURANT TIP $10.00 Cnntini sari nn ravarca DUPLICATE COPY JASON S SEBELIN Account Ending 0-83001 p. 4/8 Detail Continued ? denotes Pay Over Time activity 07/18/10 PJD ENTERTAINMENT INHARRISBURG $32.00 7172331100 07/24/10 ITUNES MUSIC STORE IAUSTIN $38.97 !Tunes Music Store 07/27/10 FOOD & WINE 800-333-6569 -- $37.00 401522099 FOOD & WINE 07/31/10 RED N ARTS SERVICE SSTAFFORD SPRINGS $80.00 860-684-4031 Description Price GAS/MSC95 50159125 $80.00 08/01/10 THE HOME DEPOT#4149CARLISLE $73.50 999-000-0000 08/01/10 THE HOME DEPOT #4149CARLISLE $90.58 999-000-0000 08/02/10 JIFFY LUBE #420 33SOMECHANICSBURG $95.39 717-761-6500 Description -AUTO SERVICES Amount Total Fees for this Period $0.00 Interest Charged Amount 08/02/10 Interest Charge on Pay Over Time Purchases $103.67 Total Interest Charged for this Period $103.67 2010 Fees and interest Totals Year-to-Date Amount , Total Fees in 2010 $0.00 Total Interest in 2010 $202.90 Includes fees and interest charged for billing periods with closing dates on or after June 25, 2010. r _ l Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Subject Interest Percentage Rate to Interest Rate Charge Sign&Travel/Extended Payment Option 15.24%% $8,019.34 $103.67 Total _-.---_.-_- #103.67 (v) Variable Rate ip S n .W1111111 Platinum Card° JASON S SEBELIN Closing Date 09/02/10 DUPLICATE COPY New Balance $8,956.42 Minimum Payment Due $1,321.81 Includes the past due amount of $868.06 Payment Due Date 09/27/10 Late Payment Warning; If you do not pay your Minimum Payment Due, you may have to;pay an:additional!late fee of $35.00 or 2.99% of any Pay In Full amount past due, whichever is greater. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the Pay Over And for the Pay Over Time charges and each month you Time balance shown on this balance you will pay an pay.. _ - _ _ - _ _ . _ statement in about...- -estimated total of... Only the Minimum Payment Due 24 years $17,357 IT you would like information about credit counseling services, call 1-888-733-4139. 9 Seepage 2 for important information about your account. 0 Your account is past due. Pay the past due amount immediately. • IT'S NOT JUST FORGOURMET FARE. l YOUR AMERICAN EXPRESS CARD IS WELCOME AT ALL KINDS /0/ OF RESTAURANTS - LIKE A BURGER WITH FRIES, OR A PIZZA WITH FRIENDS. WENDYS' AND PAPA JOHN'S WELCOME AMERICAN EXPRESS. EXPLORE MORE GREAT PLACES YOUR CARD IS WELCOMED AT AMEXNETWORK.COM/WELCOME + Please fold on the perforation below, detach and return with your payment + P. 1A Account Ending 0-8300 F mbership RewardsO Points 09/02/10 120,970 or details, please see your Membership:Rewards page. Account Summary Pay In Full Portion Previous Balance $711.06 Payments/Credits +$0.00 New Charges +$294.75 Fees +$0.00 New Balance = $1,005.81 Pay Over Time Portion Previous Balance $7,848.52 Payments/Credits +$0.00 New Charges +$0.00 Fees +$0.00 Interest Charged +$102.09 New Balance _ $7,950.61 -Minimum-Due _$316.00_ Account Total Previous Balance $8,559.58 Payments/Credits +$0.00 New Charges +$294.75 Fees +$0.00 Interest Charged +$102.09 New Balance $8,956.42 Minimum Payment Due $1,321.81 Days in Billing Period: 31 Customer Care Pay by Computer a menca nexp ress.co m/pbc Customer Care Pay by Phone` 1-800-525-3355 1-800-472-9297 Seepage 2 for additional information ® Payment Coupon Pay by Computer Pay by Phone Enter account number on all documents. Do not staple or use paper clips americanexpress.com/pbc 12 1-800-472-9297 Make check payable to American Express. Please print clearly in blue or black ink only. JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 Payment Due Date 09/27/10 New Balance $$,956.42 Minimum Payment Due $1,321.81 III?I?IIII?II?,III if III I11 Check here if your address or AMERICAN EXPRESS $ phone number has changed. P.O. BOX 1270 Amount Enclosed Note changes on reverse side. NEWARK NJ 07101-1270 Platinum Card' AM E;EFSICAN RE55 JASON S SEBELIN Closing Date 09/02/10 0 a N 0 New-Charges Summary DUPLICATE COPY p. 3/8 Account Ending 0-83001 Pay In Full Pay Over Time Total JASON S SEBELIN 0-83001 $294.75 $0.00 $294.75 Total New Charges $294.75 $0.00 $294.75 Detail ® JASON S SEBELIN Card Ending 0-83001 Amount 08/02/10 WALNUT BOTTOM GULF OCARLISLE 7172491727 $69.32 08/03/10 ITUNES MUSIC STORE IAUSTIN iTunes Music Store $2.58 08/06/10 ITUNES MUSIC STORE (AUSTIN iTunes Music Store_ $9.99 08/09/10 WALNUT BOTTOM GULF OCARLISLE 7172491727 $75.00 08/15/10 ITUNES MUSIC STORE IAUSTIN iTunes Music Store $0.99 08/20/10 AEPC MEMBER SERVICES 800-203-9212 - 401525580 T+L GOLF PLAYER CLB $99.00 08/28/10 ITUNES MUSIC STORE IAUSTIN iTunes Music Store $37.87 Fees Amount Total Fees for this Period $0.00 Interest Charged Amount 09/02/10 Interest Charge on Pay Over Time Purchases $102.09 Total Interest Charged for this Period $102.09 2010 Fees and Interest Totals Year-to-Date - Amount Total Fees in 2010 $0.00 Total Interest in 2010 $304.99 Includes fees and interest charged for billing periods with closing dates on or after June 25,201 O. DUPLICATE COPY JASON S SEBELIN Account Ending 0-83001 p. 4/8 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Subject Interest Percentage Rate to Interest Rate Charge Sign & Travel/Extended Payment Option 15.24%(v) $7,897.81 $102.09 Total $102.09 (v) Variable Rate Important Notice Information on Pay Over Time Features Please refer to page 2 for further important You may have access to one or more Pay Over Time Features as part of your Card account. The current Annual information regarding Percentage Rates (APRs) forthe Pay Over Time Features are as follows: your account For Sign and Travel, the APR is 15.24%. For Sign and Travel, the APR is 15.24%. For Extended Payment Option, the APR is 15.24%. ?r. DUPLICATE COPY Platinum Card' ANIERIrAN E16?RE55 JASON S SEBELIN Closing Date 10/01/10 New Balance $8,196.39 Minimum Payment Due $623.81 Includes the past due amount of $421.81 Payment Due Date 10/27/10 Late Payment Warning: If you do not pay your Minimum Payment Due, you may have to;pay an additional late fee of $35.00 or 2.99%of any Pay In Full amount past due, whichever is greater. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to payoff your balance. For example: P. 1/8 Account Ending 0-83001 Membership RewardsO Points As of 10/01 /10 121,832 For details, please see your Membership Rewards page. Account Summary Pay In Full Portion Previous Balance $1,005.81 Payments/Credits -$711.06 New Charges +$45.00 Fees +$0.00 New Balance = $339.75 Pay,Over.Time Portion Previous Balance $7,950;61 Payments/Credits -$188.94 New Charges +$0.00 Fees +$0.00 Interest Charged +$94.97 New Balance _ $7,856.64 -Minimum-Due ------ - i Total Account Previous Balance $8,956.42 Payments/Credits -$900.00 New Charges +$45.00 Fees +$0.00 Interest Charged +$94.97 If you make no additional You will payoff the Pay Over And forthe Pay Over Time charges and each month you Time balance shown on this balance you will pay an pay... _ _ _ - _ _ - _ statement in about.,.- estimated total of..._ Onlythe Minimum Payment Due 24 years $17,183 If you would like information about credit counseling services, call 1-888-733-4139. P See page 2 for important information about your account. Your account is past due. Pay the past due amount immediately. "Highest in Customer Satisfaction with Credit Card Companies, Four Years in a Row." 0 0 LL m N O M American Ex ress received the highest numerical score among credit card issuers in the proprietary J.D. Power and Associates 2007-2010 Credit Card Satisfaction Studies"'. 2010 study based on responses from 8,570 consumers measuring 10 card issuers and measures opinions of consumers about the issuer of their primary credit card. Proprietary study results are based on experiences and perceptions of consumers surveyed in May 2010. Your experiences may vary. Visit jdpoweccom + Please fold on the perforation below, detach and return with your payment + New Balance $8,196.39 Minimum Payment Due $623.81 Days in Billing Period: 29 Customer Care Pay by Computer americanexpress.com/pbc Customer Care Pay by Phone 1-800-525-3355 1-800-472-9297 9 See page 2 for additional information. ® Payment Coupon Pay by Computer Pay by Phone Enter account number on all documents. Do not staple or use paper clips amencanexpress.com/pbc 1-800-472-9297 Make check payable to American Express. Please print clearly in blue or black ink only. II?IIIIIIIIIIIII1I?Illlllllt'II1111111111111?1111?111111?1?1?'?'? JASON 5 SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 El Check here if your address or phone number has changed. Note changes on reverse side. Payment Due Date 10/27/10 New Balance $8,196.39 Minimum Payment Due $623.81 IIIIIIIIIIIII"I???Illltllllll'I IIIIIII'IIIIIII IIII'???I'?I "1'I? AMERICAN EXPRESS $ • P.O. BOX 1270 Amount Enclosed NEWARK NJ 07101-1270 i Platinum Card' AMERICAN E?RE55 JASON S SEBELIN Closing Date 10/01/10 Payments and Credits Summary DUPLICATE COPY p. 3/8 Account Ending 0-83001 Pay In Full Pay Over Time ? Total Payments -$711.06 -$188.94 -$900.00 Credits $0.00 $0.00 $0.00 Total Payments and Credits -$711.06 -$188.94 -$900.00 1 Detail 'Indicates posting date Payments Amount 09/10/10* JASON S SEBELIN ELECTRONIC PAYMENT RECEIVED-THANK -$900.00 New Charges Summary Pay In Full Pay Over Time ? _ Total JASON S SEBELIN 0-83001 $45.00 $ 0.00 $45.00 Total New Charges _ _ $45.00 $0.00 $45.00 Detail ® JASON S SEBELIN Card Ending 0-83001 Amount 09/28/10 TRAVEL + LEISURE 800-888-8728-- 401554819 TRAVEL+ LEISURE $45.00 Fees Amount Total Fees for this Period $0.00 Interest Charged Amount 10/01/10 Interest Charge on Pay Over Time Purchases $94.97 Total Interest Charged for this Period $94,97 i I 2010 Fees and Interest Totals Year-to.-Date Amount Total Fees in 2010 $0.00 Total Interest in 2010 $ 399.96 Includes fees and interest charged for billing periods with closing dates on or after June 25, 2010. DUPLICATE COPY JASON S SEBELIN Account Ending 0-83001 p. 4/8 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Subject Interest Percentage Rate to Interest Rate Charge Sign & Travel/Extended Payment Option 15.24% (v) $7,853.23 $94.97 Total $94.97 (v) Variable Rate Important Notice Information on Pay Over Time Features Please refer to page 2 for further Important You may have access to one or more Pay Over Time Features as part of your Card account. The current Annual information regarding Percentage Rates (APRs) for the Pay Over Time Features are as follows: your account For Sign and Travel, the APR is 15.24%. For Sign and Travel, the APR is 15.24%. For Extended Payment Option, the APR is 15.24%. Platinum Card° AMERICAN E ,.E55 JASON S SEBELIN Closing Date 11/02/10 DUPLICATE COPY p. 1 /8 Account Ending 0-83001 Membership Rewards' Points As of 11 /02/10 122,127 New Balance $7,550.02 Minimum Payment Due $151.00 l Payment Due Date 11/27/10 Late Payment Warning: Your Payment Due Date is 11 /27/10. If you pay late, you may have to pay a late fee of up to $35:00: Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will payoff the Pay Over And for the Pay OverTime charges and each month you Time balance shown on this balance you will pay an pay... statement in about... estimated total of... --------------- -------- Onlythe Minimum Payment Due 23 years $16,632 $9,458 $263 3 years (Savings = $7,174) If you would like information about credit counseling services, call 1-888-733-4139. See page 2 for important information about your account. O Please note, your preset line is $8,200.00. You have spent $7,550.02. + Please fold on the perforation below, detach and return with your payment J For details, please see your Membership Rewards page. Account Summary Pay In Full Portion Previous Balance Payments/Credits New Charges Fees New Balance = $339.75 -$339.75 +$0.00 +$0.00 $0.00 Pay Over Time Portion Previous Balance $7,85664 Payments/Credits -$410.25 New Charges +$0,00 Fees +$0.00 Interest Charged +$103.63 New Balance s $7,550.02 .Minimum Due $1.51-00 Account Total Previous Balance $8,196.39 Payments/Credits -$750.00 New Charges +$0.00 Fees +$0.00 Interest Charged +$103.63 New Balance $7,550.02 Minimum Payment Due $151.00 Days in Billing Period: 32 Customer Care 10 Pay by Computer americanexpress.com/pbc Customer Care Pay by Phone 1-800-525-3355 1-800-472-9297 See page 2 for additional information. Payment Coupon Pay by Computer Pay by Phone Enter account number on all documents. Do not staple or use paper clips ® amerlcanexpress.com/pbc 1-800-472-9297 Make check payable to American Express. Please print clearly in blue or black inkonly. 'I'lll'lllllllllllll'lll'll'1111'lll'lll'I'!""111111'll'lllllll JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 0 LL N N El Check here if your address or phone number has changed. Note changes on reverse side. Payment Due Date 11/27/10 New Balance $7,550.02 Minimum Payment Due $151.00 "II'lllllllllll'111111'II"!'!I'll'lll'llllllllll'llllll'llllll' AMERICAN EXPRESS $ • P.O. BOX 1270 Amount Enclosed NEWARK NJ 07101-1270 DUPLICATE COPY Platinum Card' p. 3/8 AMERICAN , EXPRESS JASON S SEBELIN Closing Date 11/02/10 Account Ending 0-83001 Save and earn when you shop online. o Visit americanexpress.com/insite to learn more. Payments.and Credits Summary Pay In Full Pay Over Time ? Total Payments -$339.75 -$410.25 -$750.00 Credits $0.00 $0.00 $0.00 Total-Payments and Credits 4339.75 -$410.25_ _ -$750.00- I Detail "Indicates posting date Payments Amount 10/13/10* ELECTRONIC PAYMENT RECEIVED-THANK -$500.00 11/02/10* ELECTRONIC PAYMENT RECEIVED-THANK YOU -$250.00 Amount Total Fees for this Period $0.00 Amount 11/02/10 Interest Charge on Pay Over Time Purchases $103.63 Total Interest Charged for this Period $103.63 °o a m 0 N N O C9 2010 fees and Interest Totals Year-to-Date Amount _ _ _--_-._ Total Fees in 2010 ___ . - $0.00 Total Interest in 2010 $503.59 Includes fees and interest charged for billing periods with closing dates on or after June 25;2010. DUPLICATE COPY JASON S SEBELIN Account Ending 0-83001 p. 4/8 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Subject Interest Percentage Rate to Interest Rate Charge Sign & Travel/Extended Payment Option 15.24%(v) $7,765.96 $103.63 Total $103.63 (v) Variable Rate Important Notice Information on Pay Over Time Features Please refer to page 2 for further important You may have access to one or more Pay OverTime Features as part of your Card account. The following are the current information regarding Annual Percentage Rates (APRs) for Pay Over Time Features. (v) indicates variable rate. your account For Sign and Travel, the APR is 15.24% (v). For Sign and Travel, the APR is 15.24% (v). For Extended Payment Option, the APR is 15.24% (v). AMERICAN . EXPRESS DUPLICATE COPY Membership Rewards First° -Monthly Statement and Program News Prepared for JASON S SEBELIN Account Number 1 M06500828 Total-Points Balance 122,127 Points Earned this Period 295 Account Summary ? September 1, 2010 - September 30, 2010 Opening Points Balance 121,832 MEMBERSHIP rewards FIRST" p. 5/8 Questions About Your Account? membershiprewards.com 1-800-297-1300 International Collect: 305-816.2799 Did You Know? Points Earned this Period +295 Points Used this Period 0 Reinstated Points and Adjustments 0 Total Points Balance =122,127 Points Earned this Period are pending until charges are paid in full and all your accounts are in good standing. Points Earned this Period may include Bonus Points. Use Points For Everyday Charges Use your Card for everyday purchases like groceries, gas, phone bills and more, then ;go, online and use the points you earned to cover those charges. Learn more at - membershiprewards.com/everydaycharges Earn 4X Points When You Shop Online Earn points fast by going through bonuspointsmall.com every time you shop online at over 275 retailers. ;POIrItS Transaction Detail September 1,2010 -September 30,2010 l Points Earned this Period Points Activity On Bonus Points Total Points Eligible Charges Awarded Activity Per Card Platinum 295 0 295 XXXX-XXXXXO-83001 Total 295 0 295 Points used this period includes Redemptions and Transfers. Points earned may be used as long as all enrolled Card accounts are in good standing. Points used cannot be reversed back into your program account. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms & Conditions in your Program Guide. If you have questions, please visit www.americanexpress.com/rewards or call 1-800-297-1300. For international, call collect 1-305-816-2799. Gift with Points at Amazon.com www.amazon.com/ Use Membership Rewards' points to pay for all or part of your membershiprewards at'?1azon.com holiday gifts at checkout at www.amazon.com \.,,..."7 (MR Message 4915) Get started at www.amazon.com/membershiprewards Terms and conditions for the Membership Rewards program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice. 0 m 0 0 a LL r m N O a N N O M Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By Platinum Card' AMERICAN EXPRESS JASON S SEBELIN Closing Date 12/02/10 DUPLICATE COPY P. 1 /9 Account Ending 0-83001 New Balance $7,267.00 Minimum Payment Due $145.00 l Payment Due Date 12/27/10 Late Payment Warning: Your Payment Due Date is 12/27/10. If you pay late, you may have to pay a late fee of up to #35:00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to payoff your balance. For example: If you make noadditionaI You will pay off the Pay Over And fort he Pay Over Time charges and each month you Time balance shown on this balance you will pay an pay... -------- statement in about... ---------------- - ----- estimated total of... ------------ ---- Only the Minimum Payment Due 23 years $15,988 $9,104 $253 3 years (Savings = $6,884) If you would like information about credit counseling services, call 1-888-733-4139. Seepage 2 for important information about your account. O Please note, your preset line is $8,200.00. You have spent $7,267.00. See Page 9 for important information about your account and an updated copy of your Cardmember Agreement. LIm Pay by Computer americanexpress.com/pbc Customer Care Pay by Phone 1-800-525-3355 1-800-472-9297 9 See page 2 for additional information. 0 0 a N + Please fold on the perforation below, detach and return with your payment + Membership Rewards"' Points As of 12/02/10 122,172 For details, please see your Membership Rewards page. Account Summary Pay In Full Portion Previous Balance Payments/Credits New Charges Fees New Balance $0.00 +$0.00 +$0.00 +$0.00 $0.00 Pay Over Time Portion Previous Balance $7,S50.02 Payments/Credits -$373.81 New Charges +$0,00 Fees +$0.00 Interest Charged +$90.79 New Balance _ $7,267.00 -Minimum Due -$14.5.00 Account Total Previous Balance $7,550.02 Payments/Credits -$373.81 New Charges +$0.00 Fees +$0.00 Interest Charged +$90.79 New Balance $7,267.00 Minimum Payment Due $145.00 Days in Billing Period: =30 - Customer Care Payment Coupon Pay by Computer Pay by Phone ® Do not staple or use paper clips © amerlcanexpress.com/pbc 1-800-472-9297 rrli?l?ll?rrll?l"?I'llrlirlrli'llllrl??lllrrrlrrlrrlrlllil?l??'I JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 El Check here if your address or phone number has changed. Note changes on reverse side. Account Ending 0-83001 Enter account number on all documents. Make check payable to American Express. Payment. Due Date 12/27/10 New Balance $7,267.00 Minimum Payment Due $145.00 Ilrll?ll???lllll'?'?II"Ilrrrll?rlllllllll?ll I?Illllrl?lll?lri?ll AMERICAN EXPRESS $ • P.O. BOX 1270 Amount Enclosed NEWARK NJ 07101-1270 DUPLICATE COPY ' Platinum Card"' p. 3/9 AMERICAN EXPRESS JASON S SEBELIN Closing Date 12/02/10 Account Ending 0-83001 Save and earn when you shop online. NVisit americanexpress.com/insite to learn more. Payments.and'Credits Summary Pay in Full Pay Over Time ? Total Payments $0.00 -$373.81 -$373.81 Credits $0.00 $0.00 $0.00 Total-Payments and Credits _,Moo _ -$373.81 _ 4373.81 Detail "Indicates posting date Payments Amount 11/06/10* ELECTRONIC PAYMENT RECEIVED-THANK -$373.81 Fees Amount Total Fees for this Period $0.00 Amount 12/02/10 Interest Charge on Pay Over Time Purchases $90.79 Total Interest Charged for this Period $90.79 0 c? °o A f0 N O r N N O ly 201-0 Fees and Interest Totals Year-to-Date _v - -- _, Amount Total Fees in 2010 $0.00 Total Interest in 2010 $594.38 Includes fees and interest charged for billing periods with closing dates on or after June 25, 2010. DUPLICATE COPY JASON S SEBELIN Account Ending 0-83001 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate p. 4/9 Balance Subject Interest to Interest Rate Charge Sign &Travel/Extended Payment Option 15.2450 (v) $7,257.59 $90.79 Total $90.79 (v) Variable Rate Important Notice Information on Pay Over Time Features Please refer to page 2 for further important You may have access to one or more Pay Over Time Features as part of your Card account. The following are the current information regarding Annual Percentage Rates (APRs) for Pay Over Time Features. (v) indicates variable rate. your account For Sign and Travel, the APR is 15.24% (v). For Sign and Travel, the APR is 15.24% M. For Extended Payment Option, the APR is 15.24% (v). DUPL1G Tc nnov _ Membership Rewards First® Monthly Statement and Program News Prepared for JASON S SEBELIN Account Number 1 M06500828 Total'Points Balance 122,172 Points Earned this Period 45 MEMBERSHIP rewards FIRST" p. 5/9 Questions About Your Account? members hiprewards.corn 1-800.297-1300 International Collect:-305.816.2799 Did You Know? Account Summary October 1,2010-October 31,2010 Opening Points Balance 122,127 Points Earned this Period +4S Points Used this Period 0 Reinstated Points and Adjustments 0 Total Points Balance 122,172 Points Earned this Period are pending until charges are paid in full and all your accounts are in good standing. Points Earned this Period may include Bonus Points Use Points For Everyday Charges Use your Card for everyday purchases like groceries, gas, phone bills and more, then go online and use the points you earned to cover those charges, Learn more at membershiprewards.com/everydaycharges Earn 4X Points When You Shop Online Earn points fast by going; through bonuspointsmall.com every time you shop.. online at over 275 retailers. Points Transaction Detail October 1, 2010 October 31, 2010 J Points Earned this Period Points Activity On Bonus Points Total Points Eligible Charges Awarded Activity Per Card Platinum 45 0 45 XXXX-XXXXXO-83001 Total 45 0 45 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below or visiting membershiprewards.com. Terms and Conditions of the Membership Rewards* program apply. For more Information, visit membershiprewards.com/terms or call 1-800-297-1300. From overseas, call collect 305-816-2799. Gift with Points at Amazon.com www.amazon.com/ Use.Membershi _Rewards® membershiprewards amazon.com p points to pay for all or part of your holiday gifts at checkout at www.amazon.com (MR Message 5549) Get started at amazon.com/membershiprewards Terms and conditions for the Membership Rewardsm program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more O information. Participating partners and available rewards are subject to change without to notice. 0 O 4 n m N O CD N N O t+l DUPLICATE COPY P. 1 P Account Ending 0-8300' Membership Rewards" Points As of 01 /02/11 122,172 Fordetails, please see your Membership Rewards page. Account Summary Pay In Full Portion Previous Balance `.$0.00 Payments/Credits +$0.00 New Charges +$0.00 Fees +$0;00 New Balance = $0.00 Pay Over Time Portion Previous Balance' $7,267.00 Payments/Credits +$0.00 ; New Charges +$0.00 ` Fees +$0.00 Interest Charged +$94.53 New Balance $7,361.53 Minimum Due_ $292.00_ _ Platinum Card° AMERICAN EXPRESS JASON S SEBELIN Closing Date 01/02/11 New Balance $7,361.53 Minimum Payment Due $292.00 Includes the past due amount of $145.00 Payment Due Date 01/27/11 Late Payment Warning; Your Payment Due Date is 01/27/11. If you pay late, you may have to paya late fee of up to $35.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the Pay Over And for the Pay Over Time charges and each month you Time balance shown on this balance you will pay an pay... statement in about..- estimated total of.... _ Onlythe Minimum Payment Due 23 years $16,016 If you would like information about credit counseling services, call 1-888-733-4139. P See page 2 for important information about your account. T Your account is past due. Pay the past due amount immediately. Your membership will be renewed next month. Please refer to the Renewal Notice on Page 3. O Please note, your preset line is $8,200.00. You have spent $7,361.53 Account Total Previous Balance $7,267.00 Payments/Credits +$0.00 New Charges +$0.00 Fees +$0.00 'Interest Charged +$94.53 New Balance $7,361.53 Minimum Payment Due $292.00 Days in Billing Period: 31 Customer Care Pay by Computer j americanexpress.com/pbc Customer Care Pay by Phone 1-800-525-3355 1-800-472-9297 Seepage 2 for additional information. + Please fold on the perforation below, detach and return with your payment + ® Payment Coupon a Pay by Computer Pay by Phone Account Ending 0-83001 Do not staple or use paper clips amencanexpress.com/pbc 1-800-472-9297 Enter account number on all documents. Make check payable to American Express. IIIIIJIInlylrllllllllllllli?llllllllrllllllllll?l?l?l??l?llllr JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 M 0 LL n N O ? Check here if your address or phone number has changed. Note changes on reverse side. Payment Due Date 01127/11 New Balance $7,361.53 Minimum Payment Due $292.00 111111111111"1'Jill I111I IJllllllllllllrlulllllll'llllll'III'lll $ AMERICAN EXPRESS • P.O. BOX 1270 Amount Enclosed NEWARK NJ 07101-1270 i DUPLICATE COPY Platinum Card° AMERICAN p. 3/5 EXPRESS JASON S SEBELIN Closing Date 01/02/11 Account Ending 0-83001 Fees - Amount Total Fees for this Period $0.00 l Interest Charged Amount 01/02/11 Interest Charge on Pay Over Time Purchases $94.53 Total Interest Charged for this Period $94.53 2011 fees and Interest Totals Year-to-Date Amount -- Total Fees in 2011 ? ---°?----?----------?--- -- -- =- _------ $0.00 Total Interest in 2011 $94.53 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Subject Interest Percentage Rate to Interest Rate Charge Sign & Travel/Extended Payment Option 15.24%(v)--,--- ----------------------------$7,312.63 $94.53 Total M Variable Rate $94.53 Important Notice Renewal Notice Your Account renews next month. The following terms are in effect when your Account renews, unless we tell you otherwise. Please refer to Page 2 for more information about your Account including How We Calc l P Please refer to page 2 , u ate Your Balance, aying Interest, and Foreign Currency Charges. for further important Payment Information: All charges made on this charge card, that are not included in a Pay Over Time balance, are due and payable when you receive our i di information regarding your account y per o c statement. Annual Membership Fee: The annual membership fee for your Account is $450.00. When you receive the statement in which the annual fee is billed, you can avoid paying the annual fee b lli h y ca ng t e Customer Service phone number on Page 2 to cancel your Account. APR Information: The Annual Percentage Rates (APRs) for each billing period may vary based on the Prime Rate. We use the Prime Rate published in The Wall StreetJournal 2 days before the Closing Date of th billi e ng period. The Wall StreetJournal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published. The Penalty APR will apply to a Feature if you make a late payment or a payment that is returned. If the Penalty APR is applied for either of these reasons, it will apply for at least 6 months. We will review ou A y r ccount every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. You may have access to one or more Pay Over Time Features on your Account. The following APRs apply to the Features noted as of the Cl i D os ng ate of this statement. 0 ri eo 0 0 a LL r m m O m fl N O c; -DULL ATE COPY Membership Rewards First' Monthly Statement and Program News Prepared for JASON S SEBELIN Account Summary November 1; 2010 - November 30, 2010 Opening Points Balance 122,172 Points Earned this Period 0 Points Used this Period 0 Reinstated Points and Adjustments 0 Total Points Balance 122,172 Account Number 1 M06500828 MEMBERSHIP rewards FIRST" p. 5/5 Questions About Your Account? Total Points Balance 122,172 membershiprewards.com [Po?lntslarrned this Period o l 1-800-297-1300 International Collect: 305-896-2799 Did You Know? Points Earned this Period are pending until charges are paid in full and all your accounts are in good standing. Points Earned this Period may include Bonus Points. Use Points For. Everyday Charges' Use your Card foreveryday pur4hases like groceries, gas, phone bills and more, then go online and use the points you earned to cover those charges. Learn more at membershiprewards.com/everydaycharges Earn 4X Points When You Shop Online Earn points fast by going through bonus pointsmall.comavery time you shop' online at over 275 retailers. i Olrtts Transaction Detail T November 1, 2010- November 30, 2010 Points Earned this Period Points Activity On Bonus Points Total Points Eligible Charges Awarded Activity Per Card Platinum 0 0 0 XXXX-XXXXXO-83001 Total 0 0 0 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below or visiting membershiprewards.com. Terms and Conditions of the Membership Rewards* program apply. For more information, visit membershiprewards.com/terms or call 1-800-297-1300. From overseas, call collect 305-816-2799. Platinum Card° ? ERICAN EXPRESS JASON S SEBELIN Closing Date 02/02/11 0 0 LL f0 N O co DUPLICATE COPY New Balance $7,907.29 Minimum Payment Due $891.00 Includes the past due amount of $292.00 Payment Due Date 02/27/11 Late Payment Warning: Your Payment Due Date is 02/27/11. If you pay late, you may have to pay a late fee of up to $35.00. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the Pay Over And for the Pay Over Time charges and each month you Time balance shown on this balance you will pay an pay... statement in about..._ -estimated total of... Only the Minimum Payment Due 23 years $16,051 If you would like information about credit counseling services, call 1-888-733-4139. P See page 2 for important information about your account. Your account is past due. Pay the past due amount immediately. See Page 5 for an important Privacy Notice and the following page for important notices about Your Billing Rights and Electronic Fund Transfer Error Resolution. O Please note, your preset line is $8,200.00. You have spent $7,907.29. + Please fold on the perforation below, detach and return with your payment + p. 1/12 Account Ending 0-83001 Membership Rewards°'Points As of 02/02/11 122,172 D For details, please see your -? Membership Rewards page. Account Summarv Pay In Full Portion Previous Balance $0.00 Payments/Credits +$0.00 New Charges +$0.00 Fees +$450.00 New Balance $450.00 Pay Over Time Portion Previous Balance $7,361.53 Payments/Credits +$0.00 New Charges +$0.00 Fees +$0.00 Interest. Charged +$95.76 New Balance $7;457.29 Minimum Due, _$441,'Q0 Account Total Previous Balance $7,361.53 Payments/Credits +$0.00 New Charges +$0.00 Fees +$450.00 Interest Charged +$95.76 New Balance $7,907.29 Minimum Payment Due $891.00 Days in Billing Period: 31 Customer Care Pay by Computer americanexpress.com/pbc Customer Care Pay by Phone 1-800-525-3355 1-800.472-9297 L 'See page 2 for additional information. ® Payment Coupon Pay by Computer Pay by Phone Do not staple or use paper clips © amencanexpress.com/pbc 1-800-472-9297 III'Ir11111'IIIIr11?1111111111111J11111111'ull'll'llllllll'll'I JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 Account Ending 0-83001 Enter account number on all documents. Make check payable to American Express. Payment Due Date 02/27/11 New Balance $7,907.29 Minimum Payment Due $891.00 rl1111111111r?1'111111'11"1111111'111111"11111i111111?rlrllill? • El Check here if your addressor AMERICAN EXPRESS Amount Enclosed phone number has changed. P.O. BOX 1270 Note changes on reverse side. NEWARK NJ 07101-1270 0000349990497593865 000790729000089100 01 ri r I Platinum Card" AMERICAN o?Ress JASON S SEBELIN Closing Date 02/02/11 Fees DUPLICATE COPY p. 3/12 Account Ending 0-83001 Amount 02/02/11 ANNUAL MEMBERSHIP FEE $450.00 Total Fees for this Period $450.00 Interest Charged Amount 02/02/11 Interest Charge on Pay Over Time Purchases $95.76 Total Interest Charged for this Period $95.76 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Subject Interest Percentage Rate to Interest Rate Charge Sign & Travel/Extended Payment Option 15.24%(v) $7,407.76 $95.76 Total $95.76 (v) Variable Rate Important Notice Information on Pay Over Time Features Please refer to page 2 for further important You may have access to one or more Pay Over Time Features as part of your Card account. The following are the current information regarding Annual Percentage Rates (APRs) for Pay Over Time Features. (v) indicates variable rate. your account For Sign and Travel, the APR is 15.24% (v). For Sign and Travel, the APR is 15.24% (v). For Extended Payment Option, the APR is 15.24% (v). 0 co 0 0 a LL A m N O O a N O C7 DUPLICATE COPY Membership Rewards First' Monthly Statement and Program News Prepared for JASON S SEBEUN Total Points `Balance Account Number 1 M06500828 Points Earned this Period MEMBERSHIP rewards FIRST" p. 9/12 Questions About Your Account? 22,172, membershiprewards.com 1-8 natio 1300 _ International Collect: 305-816-2799 -- Did You Know? Account SummarV December 1, 2010-December 31, 20 Opening Points Balance 122,172 Points Earned this Period 0 Points Used this Period 0 Reinstated Points and Adjustments 0 Total Points Balance 122,172 Points Earned this Period are pending until charges are paid in full and all your accounts are in good standing. Points Earned this Period may include Bonus Points Use Points For Everyday Charges Useyour Card foreveryday purchases like groceries, gas, phone bills and more, then go online and use the points you earned to cover those charges. Learn more at membershiprewards.com/everydaycharges Earn 4X Points When You Shop Online Earn points fast by going through; bonuspointsmall.com every time you shop online at over 275 retailers:: Points Transaction Detail December 1, 2010-December 31,2010 l Points Earned this Period Points Activity On Bonus Points Total Points Eligible Charges Awarded Activity Per Card Platinum 0 0 0 XXXX-XXXXXO-83001 Total 0 0 0 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below or visiting membershiprewards.com. Terms and Conditions of the Membership Rewards" program apply. For more information, visit membershlprewards.com/terms or call 1-800-297-1300. From overseas, call collect 305-816-2799. Save 10% or More on Hot Merchandise c rixr' Visit membershiprewards. Find great.deals on.rewards like electronics, home, fashion and corn/merchandise accessories, and sporting goods. specials or call 1-800-AXP-EARN Save 10%, or more. (297-3276) and redeem points for hot rewards. (MR Message 5777) Terms and conditions for the Membership Rewards" program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more o information. Participating partners and available rewards are subject to change without notice. ro 0 0 a n m N O P1 C N O t+l f'-fi 1I lC 4 - -,-- ` Platinum Card" AMERICAN ExESS JASON S SEBELIN Closing Date 03/02/11 DUPLICATE COPY P. 1/6 Account Ending 0-83001 New Balance $7,994.85 Minimum Payment Due $1,042.00 Includes the past due amount of $891.00 Payment Due Date 03/27/11 Late Payment Warning; If you do not pay your Minimum Payment Due, you may have to pay an additional late fee of $35.00 or 2,99% of any Pay In Full amount past due, whichever is greater. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will payoff the Pay Over And for t he Pay Over Time charges and each month you Time balance shown on this balance you will pay an pay... --------- statement in about... ---- ---------------------- estimated total of... -- --------- Onlythe Minimum Payment Due 23 years $16,051 If you would like information about credit counseling services, call 1-888-733-4139. See page 2 for important information about your account. Q Your account is seriously past due. Pay the past due amount immediately to avoid possible cancellation. O Please note, your preset line is $8,200.00. You have spent $7,994.85 Q Pay by Computer americanexpress.com/pbc M 0 4 W + Please fold on the perforation below, detach and return with your payment + Membership Rewards' Points As of 03/02/11 122,172 For details, please see your Membership Rewards page. Account Summary Pay In Full Portion Previous Balance $450.00 Payments/Credits -$0.00 New Charges +$0:00 Fees +$0.00 New Balance $450.00 Pay Over Time Portion Previous Balance $7,457.29 Payments/Credits -$0.00 New Charges +$0.00 Fees +$0.00 Interest Charged +$87.56 New Balance _ $7544.85 _ Minimum Due $592:00 i Account Total Previous Balance $7,907.29 Payments/Credits -$0.00 New Charges +$0.00 Fees +$0.00 Interest Charged +$87.56 New Balance $7,994.85 Minimum Payment Due $1,042.00 Days in Billing Period: 28 Customer Care Customer Care Pay by Phone 1-800-525-.3355 1-800-472-9297 See page 2 for additional information. ® Payment Coupon Pay by Computer Pay by Phone Do not staple or use paperclips amencanexpress.com/pbc 1-800-472-9297 III'I'I'llll'll"IIIIII I l'III'Ir?lllllllll'llll'llllllllllllrl'I JASON S SEBELIN 19 BRADFORD PL CARLISLE PA 17015-6910 ? Check here if your address or phone number has changed. Note changes on reverse side. Account Ending 0-83001 Enter account number on all documents. Make check payable to American Express. Payment Due.Date 03/27/11 New Balance $7,994.85 Minimum Payment Due $1,042.00 I'IIIIIIIIIIIII111'1111111111'II""IIIIIIII'lll'I"IIII'lllll?ll AMERICAN EXPRESS $ • P.O. BOX 1270 Amount Enclosed NEWARK NJ 07101-1270 1f y • Platinum Card° ROSS JASON S SEBELIN Closing Date 03/02/11 Fees: DUPLICATE COPY p. 3/6 Account Ending 0-83001 Amount Total Fees for this Period $0.00 Interest Charged Amount 03/02/11 Interest Charge on Pay Over Time Purchases $87.56 Total Interest Charged for this Period $87.56 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Subject Interest Percentage Rate to Interest Rate Charge Sign & Travel/Extended Payment Option 15.24%(v) $7,499.42 $87.56 Total -- - -------- - - -- ----- $87.56 (v) Variable Rate Important Notice Information on Pay Over Time Features Please refer to page 2 for further important You may have access to one or more Pay Over Time Features as part of your Card account. The following are the current information regarding Annual Percentage Rates (APRs) for Pay Over Time Features. (v) indicates variable rate. your account For Sign and Travel, the APR is 15.24% (v). For Sign and Travel, the APR is 15.24% (v). For Extended Payment Option, the APR is 15.24% (v). 0 co 0 0 a LL r m N O m Q N O M -ft _ - VAJPL;lCT rc nnov Membership Rewards Firstm Monthly Statement and Program News Prepared for JASON S SEBELIN Account Number 1 M06500828 Total Points Balance 122,172 Points Earned this Period 0 MEMBERSHIP rewards FIRST" p. 5/6 Questions About Your Account? membershiprewards.com 1-800-297-1300 International Collect: 305-816-2799 Did You Know? Account Summary January 1,_2011 - January 31, 2011 Opening Points Balance 122,172 Points Earned this Period 0 Points Used this Period 0 Reinstated Points and Adjustments 0 Total Points Balance 122,172 Points Earned this Period are pending until charges are paid in full and all your accounts are in good standing. Points Earned this Period may include Bonus Points Use Points For Everyday Charges' Use your Card for everyday purchases' like groceries, gas, phone bills and'more, then go online and use the points you earned to cover those charges. Learn more at membershiprewards.com/everydaycharges Earn 4X Points When You Shop Online Earn points fast by going through bonuspointsmall.com every time you shop online at over 275 retailers. r Points Transaction Detail January 1, 2011 - January 31; 2011 Points Earned this Period Points Activity On Bonus Points Total Points Eligible Charges Awarded Activity Per Card Platinum 0 0 0 XXXX-XXXXXO-83001 Total 0 0 0 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below or visiting membershiprewards.com. Terms and Conditions of the Membership Rewards" program apply. For more information, visit membershiprewards.com/terms or call 1-800-297-1300. From overseas, call collect 305-816-2799. Earn 15X Points plus 100 Additional Points per Order When You Shop at FTD Flowers & Gifts Shop now at Now you can earn 15X points, PLUS 100 additional bonus points membershiprewards. when you. shop_atmembershipr..ewards.comlFTD or call K com/FTD or call 1-800-SEND-FTD (Promo Code: 20153) and use your enrolled F,7r'D ' 1-800-SEND-FTD (Promo Code: 20153) to Card. Send fresh flowers (delivered by a American Express earn 15X points quality FTD® florist) or tempt their sweet tooth with cookies, PLUS 100 additional bonus chocolates, gift baskets, and more. points on all orders placed from Offer valid through 12131/11. Not valid in retail stores or in conjunction with any other offer from FTD. To be eligible to earn bonus points, you must be enrolled in the Membership RewardsO program ("Program") at the now through 12/31 /11. AMR Message 5805) time of purchase and charge your purchase to an eligible, enrolled American Expresso Card. Bonus points will be credited to your Program account within 10-12 weeks alter charges appear on your billing statement. co 0Individual terms and conditions, as well as annual Program fees, apply for certain Card products. For more m information on the Membership RewardsO program, visit Membership Rewards.com/remrs or call 0 0 1-800-AXP-EARN (297-3276). Bonus IDs: 8610, 5797. a n m m O n e N O N Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By C'7) C N SKLAR - MARKIND i c --1 ran- BY: Lloyd S. Markind z70 r- _VM IDENTIFICAT'I4N NUMBER. 52507 -<> cis ? 102 BROWNING LANE, BLDG B, SUTf)~ 1 v 0-n CHERRY FALL, NJ 08003 n 3 C) r (856) 616-8710 z '' n „r'' Attorney for Plaintiff `-' N File No.: A1001444 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW ANIERICAN EXPRESS CENTURION BANK Plaintiff VS. JASON S. SEBELIN Defendant :No. I ? 50-f---GV i? : CIVIL ACTION STIPULATION OF SETTLEMENT This matter, having been amicably adjusted by and between the Plaintiff, AMERICAN EXPRESS CENTURION BANK , and the defendant(s), JASON S. SEBELIN , by and throuo the undersigned, and the parties wishing to settle all disputes by and between them, it is hereby stipulated and agreed as follows: 1. Plaintiff has filed/commenced, or is intending to filelcommence suit against Defendant(s) for the sum of $7,994.85 inclusive of any and all applicable interest, attorney's fees, costs and other expenses (collectively, the "Suit Amount"). Defendant(s) hereby acknowledge(s) proper service of the Complaint and/or Writ of Summons (if suit is actually filed/commenced) and/or that this stipulation (i) is a binding agreement notwithstanding whether suit is actually filed/commenced and (ii) is subject to being filed therein if suit is filed at the sole discretion of Plaintiff accotdingly. 2. Defendant(s) hereby admit owing Plaintiff the Suit Amount and agree to pay Plaintiff the total sum of $4,000.00 (the "Settlement Amount") to ftdly settle the Suit Amount by making payments of $1,333.33 per month beginning on or before June 30, 2011 and continuing on or before the thirtieth (30th) day of each consecutive month thereafter pursuant to which monthly payments the Settlement Amount must be -timely paid in full - 1_hm is no ace pgdW . Payments shall be made payable and sent to Sklar Markind,102 Browning Lane, Building B, Suite 1, Cherry Dill, NJ 08003 with fim thing 1f ft in 11 re . 3. Anything to the contrary notwithstanding, and in the event that Defendant(s) fail(s) to make the payments of the Settlement Amount as set fortb herein, Plaintiff shall be entitled to the entry of judgment in its favor and against Defendant(s), upon application being made to the Court by way of Pmecipe with an Affidavit from counsel for Plaintiff, mid w notice IQ Dlhgd= 91 bia coWMI, for the Suit Amount less credit for any payments which may have been. made hereunder, plus any and all additional attorney's fees, interest, costs and other expenses to the full extent permitted by law. 4. Defendant(s) expressly agree(s) that such judgment shall be for the Suit Amount rather than the Settlement Amount and waives any and all objections, other opposition and appeal rights thereto without limitation. Further Defendant(s) agree(s) to pay all reasonable legal fees/cogs to enforce this stipulation. 5. This stipuladort is limited to American Depress and account number 371384186083001. ?a JASON SLloyd S.1Vlarkind, Esquire Pro Se Dqfendant Attorney for Plaintfff Dated: Dated: dMM IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK Plaintiff VS. : No. 11-5077-CIVIL :CIVIL ACTION JASON S. SEBELIN Defendant PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: rn 02 c m cxn rte" '? - ? ?? YC.") b Z N Acw' Kindly substitute the attached Verification to the Complaint in lieu of the Attorney Verification originally attached. Lloyd S. Varkind, Esquire Attorney for Plaintiff ID #52507 102 Browning Ln, Bldg B, Ste 1 Cherry Hill NJ 08003 856/616-8710 FILE NO.: A1001444 VERIFICATION PAUL LAVARTA 1S p5r:+NT CUSTODIAN OF RECORDS deposes and says that he is an employee of the Plaintiff and is authorized to make this verification on behalf of the Plaintiff, and that the facts set forth in the foregoing pleading are true and correct to the best of his knowledge, information and belief; and that this statement is made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsifications to authorities. Date: 411? File No.: A1001444 SKLAR - MARKIND U 1 C' BY: Lloyd S. kind ? ?, 0TH 0 R 4 TAIF IDEN'TIFICA ON NU:NiBEi 52507 102 BROWNH G LANE, G B, SUITE 1 2011 AUG -I PM 1: b c CHERRY M LL, NJ 08003 1:UKiBERLAND COUNT' (856) 616-871 PENNSYLVANIA Attorney for F 'ntiff File No.: A10 1444 AN-D IN TIE COURT OF COMMON PLEAS OF CUMBER COUNTY, PENNSYLVANIA CIVIL ACTION - LAW RICA14 EXPRESS CENTURION : No. c:,-)() iU AME BANK Plaint?ff VS. CIVIL ACTION . JASON S. EBELIN STIpULATION OF SETTLEMENT Defendant This matter, having been amicably adjusted by and between the Plaintiff, AMERICAN EXPRESS CENTURION BANK, and the defendant(s), JASON S. SEBELIN , by and through the signed, and the parties wishing to settle all disputes by and between themy it is hereby stipulated and agreed as follows: 1. Plaintiff 1? us filed/cornmenced, or is intending to file/commence suit against Defendant(s) for the sum f $7,994.85 inclusive of any and all applicable interest, attorney's fees, costs and other expert (collectively, the "Suit Amount"). Defendant(s) hereby acknowledge(s) proper servi a of the Complaint and/or Writ of Summons (if suit is actually filed/commenced) and/or Ow this stipulation (i) is a binding agreement notwithstanding whether suit is actually filed/commenced and (ii) is subject to being filed therein if suit is filed at the sole discretion of Plaintiff accordingly. 2. Def t(s) hereby admit owing Plaintiff the Suit Amount and agree to pay Plaintiff the total suns. o $4,000.00 (the "Settlement Amount") to fully settle the Suit Amount by making payments $1,333.33 per month beginning on or before June 30, 2011 and continuing on or before the 'eth (30th) day of each consecutive month thereafter pursuant to which monthly payments the Settlement Amount must be timely paid in full - they is 12 > ems' . Pa eats shall be made payable and sent to Sklar - Markind,102 Browning Lane, Building B Suite 1, Chary Hill, NJ 08003 with ti= bd= gf & ese bwuudg in 111 re eels. 3 . Anything to the contrary notwithstanding, and in the event that Defendant(s) fail(s) to make the payments of the Settlement Amount as set fortb herein, Plaim iff shall be entitled to the entry judgment in its favor and against Defendant(s), upon application being made to the Court way of Praecipe with an Affidavit from. counsel for Plaintiff, and ut ' Ce to Ddqudiml or is counsel, for the Suit Amount less credit for any payments which may Plus any and all additional attorney's fees, interest, costs and have been made hereunder, fitted by law. other expeu$e00 the full extent pew ly ad(s) that such judgment shall be for the Suit Amount rather 4. Defendant() expreag ec&ns, other' opposition and appeal than the Seal ent Amount and waives any and all (ss) s) to pay all reasonable legal rights thereto 'thout limitation. panther D efendant() agree( fmslcosts toe oree this stipulation. .. numb ? 'on is limited to American Express and account number 3713841$6083001 5. This pu I ? II DD y' U? Lloyd S. Mankind, Esquire JASbN S. ?BELiN Attorney for Plaintiff Pro Se Def??unt Dated: Dated: