Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
13-0949
NNS LVANIA T Y , PE 1N THE COURT OF COMMON PLEAS OF CUMBERLAND COUN l ' n / ~ `- " ~ ~ ~ ~ - " ' AMERICAN EXPRESS I 1 NO. ( CENTURION BANK 4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184 z° PLAINTIFF ~~ ~ ~ ~ ~ rr; "' vs. ~:~ c7o r - ~, JENNIFER LEONARD ~ ~ , 17 RASPBERRY DR ~' ~ ~,,, ~ MECHANICSBURG PA 17050 -~ _ ° ~~' DEFENDANT(S) ~ _~ NOTICE TO DEFEND 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 is served, by entering a written appearance, personally of 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, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland Co. Bar Association 32 South Bedford Street Carlisle, PA 17013 800/990-9108 ~~Z~ a ~x~ FILE NO. 10007605 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS NO. CENTURION BANK 4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184 PLAINTIFF vs. JENNIFER LEONARD 17 RASPBERRY DR MECHANICSBURG PA 17050 DEFENDANT(S) NOTICIA LISTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) digs despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falls de hacerlo el caso puede proceder sin usted y un j uzgamiento puede ser entrado conta usted por la Corte sin mss aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante pars usted. LISTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI LISTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI LISTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE 1NFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland Co. Bar Association 32 South Bedford Street Carlisle, PA 17013 800/990-9108 FILE NO. 10007605 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS NO. CENTURION BANK 4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184 PLAINTIFF vs. JENNIFER LEONARD 17 RASPBERRY DR MECHANICSBURG PA 17050 DEFENDANT(S) COMPLAINT 1. The Plaintiff is American Express, Centurion Bank (hereafter "American Express") with a place of business located at 4315 South 2700 West, Salt Lake City, UT 84184. 2. The Defendant, JENNIFER LEONARD, is an adult individual, residing at 17 RASPBERRY DR, MECHANICSBLJRG PA 17050, CUMBERLAND County. 3. At all relevant times, American Express Centurion Bank was, and is, a bank chartered under the laws of the State of Utah. 4. At all relevant times, Defendant was the holder of an American Express card. (the "Card") that enabled Defendant to charge items to an American Express credit card Account (Account Number) (the "Account"). 5. At all relevant times, Defendant was the basic cardmember on the Account, and was responsible for paying all amounts charged to the Account. 6. The Cardmember Agreement between Defendant and American Express (the "Agreement") was provided to Defendant during the time period in which the Card was utilized and maintained by Defendant, and therefore, Defendant assented to the terms and conditions contained therein, and a true and correct copy of the Agreement is attached hereto, and incorporated herein, as Exhibit "A". 7. By accepting and using the Card, Defendant agreed to all of the terms and conditions set forth in the Agreement, including the following: a. Defendant agreed that, as the basic cardmember, Defendant is liable for all amounts charged to the Account. FILE NO. 10007605 b. Defendant agreed to make the "Minimum Payment" (as that term is used in the Agreement) due each month, for charges on the account, by the payment due date indicated on the monthly billing statements mailed by or on behalf of American Express. A true and correct copy of a statement(s) reflecting the balance due is attached hereto, incorporated herein and marked Exhibit "B". c. Defendant agreed that if the payment was not made by the payment due date indicated on the monthly billing statements, American Express may assess additional fees per the terms of the agreement. d. Defendant agreed that in the event of default, Defendant would pay all reasonable costs, incurred by American Express in collecting the balance due, including finance charges and delinquency fees, and in protecting itself from any harm it may suffer as a result of the default. 8. Defendant used the Card to charge various items to the Account. 9. Plaintiff issued and sent to Defendant the Account Statements, which set forth in detail all items charged to the Account, and the total amount due and owing by Defendant to Plaintiff. Count 1 -Breach of Contract 10. American Express incorporates by reference the averments of paragraphs 1 through 9. 11. Defendant failed to make the minimum payment specified on the statements. 12. By reason of the foregoing, Defendant breached the Agreement with American Express. 13. As a result of the breach, Defendant is personally liable to American Express for the sum of $12,629.06. See Exhibit "B" as previously identified and incorporated herein. 14. Despite due demand, Defendant has failed and refused to pay American Express any portion of the amount due and owing. 15. As a result of Defendant's failure to pay the amount that Defendant owes, American Express referred its claim to outside attorneys for collection. 16. By reason of the foregoing, American Express is entitled to judgment against Defendant for breach of contract in the sum of $12,629.06, plus costs. WHEREFORE, American Express demands judgment against Defendant on Count 1 in the sum of $12,629.06, plus costs. FILE NO. 10007605 Count 2 -Account Stated din the alternative to Counts 1 and 3) 17. American Express incorporates by reference the averments of paragraphs 1 through 16. 18. Defendant used the Card to charge various items to the Account for which payment was never made. American Express kept accurate records of all debits and credits to the Account. 19. American Express mailed to Defendant monthly billing statements for the Account, which accurately stated the previous balance, and the debits and credits to the Account for the prior billing period. 20. Defendant had, for many months, made payments on account of the billing statements or retained the statements without payment. 21. Defendant's actions as set forth above constituted an account stated between the parties for the sum of $12,629.06, which sum reflects the balance, less credits, if any, which were applied prior to the date of this complaint. WHEREFORE, American Express demands judgment against Defendant on Count 2 in the sum of $12,629.06, plus costs of this action. Count 3 -Unjust Enrichment din the alternative to Counts 1 and 2) 22. American Express incorporates by reference the foregoing paragraphs 1 through 21. 23. As a result of the foregoing, Defendant received the benefit of American Express' extension of credit in the amount of $12,629.06 without paying for same. 24. Defendant was aware of, apprehended and appreciated American Express' provision of credit by reason of Defendant having made payments on account of the Account statements received on and after Defendant opened the Account. 25. The reasonable value of the credit American Express provided Defendant is the sum of $12,629.06. 26. American Express believes and avers if the relief requested herein is not granted, Defendant will be unjustly enriched at American Express' expense. FILE NO. 10007605 WHEREFORE, American Express demands judgment against Defendant on Count 3 in an amount to be determined at trial. Respectfully submitted, Amy F. Doyl squi PA Supreme Court ID 87062 Doyle Legal Services, LLC 11 East Market St., Suite 102 York, PA 17401 717-885-0718 877-202-9420 717-885-0726 (facsimile) Counsel for Plaintiff FILE NO. 10007605 VERIFICATION I, , am ~ ~- t t ~ _ .. ~; ~~; far American Express Centurion Bank, the within Plaintiff, after my review of the American Express Centurion Bank documents, I verify that the statements of fact made in the foregoing Complaint are true and correct to the best of my knowledge, information and belief. I understand that this verification is made subject to the penalties of 18 Pa. C. S. Section 4904, relating to unsworn falsification to authorities. Date• JENNIFER LEONARD on behalf o~erican Express~Centurion Bank FILE NO. 10007605 EXHIBIT "A" Blue Cash® from American Express JENNIFER LEONARD Closing Date 12/08/10 New Balance $12,451.38 Minimum Payment Due $249.00 Payment Due Date 01/02/11 Late Payment Warning: If we do not receive your Minimum Payment Due by ~~ the Payment Due Date listed above, you may have to pay a late fee of up to $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay offthe balance And you will pay an charges and each month you shown on this statement in estimated total of... pay... about... Only the 30 years $29,933 Minimum Payment Due $16,042 $446 3 years (Savings=$'13,891) If you would like information about credit counseling services, call 1-888-733-4139. See page 2 for important information about your account. 0 Your account is overlimit. Please pay at least $249.00, plus any additional charges incurred since the date of this billing statement. To help manage your spending you can sign up for Account Alerts at americanexpress.com/alerts. See Page 7 for important information about your account and an updated copy of your Cardmember Agreement. + Pleasefold on the perforation below, detach and return with your payment + p. to Account Ending 1-71003 Rebate as of Nov zo10 $118.07 For details, please see your ~ Cash Rebate Summary. Account Summary Previous Balance S 12,540.73 Payments/Credits -$418.07 New Charges +$147.44 Fees +$0.00 Interest Charged +$181.28 New Balance $12,451.38 Minimum Payment Due $249.00 Credit Limit $12,400.00 Available Credit $0.00 Cash Advance Limit $200.00 Available Cash $0.00 Days in Billing Period: 31 Customer Care Pay by Computer amencanexpress.com/pbc Customer Care Pay by Phone 1-888-BLUE-741 1-800-472-9297 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 JENNIFER LEONARD 17 RASPBERRY DR MECHANICSBURG PA 17050-2793 ~ui~~~n~~~~nn~~~~~~nn~~~llu~~~i~un~~un~lln~~~u~i~ Account Endingl-71003 Enter account number on all documents. Make check payable to American Express. Payment Due Date 01 /02111 New Balance ~ 12,451.38 Minimum Payment Due $249.00 AMERICAN EXPRESS Check here if your addressor P.O. BOX 1270 phone numberhaschanged. NEWARK NJ 07101-1270 Note changes on reverse side. I~Ir~~I~~~I~iiIIII~~~~~~II~~~II~~I~II~~~III~~~I~~~III~~~~I~~II 0000349990603459142 001245138000024900 04 ri S Amount Enclosed JENNIFER LEONARD Account Ending 1-71003 p. 2!7 Payments: Your payment must be sent to the payment address shown on your statement and must be received by 5 p.m. local time at that address to be credited as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearablethrough the US banking system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment feesand additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearablethrough the US banking system. Ifwe accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unlessa particular rate is required by law. Please do not send post-dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will have no effect on us without our express prior written approval. We will re-present to your financial institution any payment that is returned unpaid. Permission for Electronic Withdrawal: (1) When you send a check for payment, you give us permission to electronicallywithdraw your payment from your deposit or other asset account. We will process checks electronically by transmitting the amount ofthe check, routing number, account number and check serial number to your financial institution, unlessthe check is not processable electronicallyor a less costly process is available. When we process your check electronically, your payment maybe withdrawn from your deposit or other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your deposit or other asset account statement. Ifwe cannot collect the funds electronically we may issue a draft against your deposit or other asset account for the amount of the check. (2) By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you give us permission to electronically withdraw funds from the deposit or other asset account you specify in the amount you request. Payments using such services of ours received after 8:00 p.m. MST may not be credited until the next day. How We CalculateYour Balance: We use the Average Daily Balance (ADB) method (including new transactions) to calculate the balance on which we charge interest on your Account. Call the Customer Service number listed below for more information about this balance computation method and how resulting interest charges are determined. The method we use to figure the ADB and interest results in dai/ycompoundingofinterest. Paying Interest: Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchases if you pay the New Balance by the due date each month. We will charge you interest on cash advances and (unless otherwise disclosed) balance transfersbeginning on the transaction date. Foreign Currency Charges: If you make a Charge in a foreign currency, we will convert it into US dollars on the date we or our agents process it. We will charges fee of 2.7%of theconverted USdollaramount. We will choose a conversion rate that is acceptable to us for that date, unless a particular rate is required bylaw. The conversion rate we use is no more than the highest official rate published by a government agency or the highest interbank rate we identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the date of your charge. Charges converted by establishments (such as airlines)will be billed at the rates such establishmentsuse. Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is 51.00 or more. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866, Customer Service & Billing Inquiries 1-888-BLUE-741 Hearing Impaired International Collect 1-336-393-1111 1TY:1-800-221-9950 Large Print & Braille Statements 1-888-BLUE-741 FAX:1-800-695-9090 Express Cash 1-800-CASH-NOW InNY:1-800-522-1897 Change of Address If correct on front, do not use. • To change your address online, visit www.americanexpress.corn/updatecontactinfo • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. • Please print clearly in blue or black ink only in the boxes provided. Street Address City, State Zip Code Area Code and Home Phone Area Code and Work Phone Email Website: americanexpress.com Mobile Site: amexmobile.com Customer Service & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998-1535 07101-1270 Pay Your Bill with AutoPay Avoid late fees • Save time Deduct your payment from your bank account automaticallyeach month Visit americanexpress.com/autopsy today to enroll. - For information on how we protect your privacy and to set your communication and privacy choices, please visit www.americanexpress.comlprivacy. AMERICAfVI'~ Blue Cash® from American Express EXPRESS JENNIFER LEONARD Closing Date 12/08/10 p. 3/7 Account Ending 1-71003 Irs rloT~usT FOR HIGH-END COUTURE. t I YOUR AMERICAN E%PRESS' CARD IS PERFECT FOR LITTLE EVERYDAY THINGS OR TO FINISH YOUR HOLIDAY SHOPPING AT GREAT PLACES LIKE ICPENNEY, H&M AND DRUGSTORE.COM. EXPLORE MORE GREAT PLACES YOURCARD ISWELCOMED AT AMEXNETWORK.COM/WELCOME Payments and Credits Summary Total Payments -$ 300.00 Credits JENNIFER LEONARD 1-71003 -$118.07 Total Payments and Credits -S418.07 Detail "Indicates posting date Payments Amount 11/22/10* JENNIFER LEONARD ELECTRONIC PAYMENT RECEIVED-THANK -$300.00 Credits Amount 11/09/10* JENNIFER LEONARD YOUR ANNUAL CASH REWARD IS AMERICAN EXPRESS CASH REBATE TRANSACTION -$118.07 New Charges Summary Total JENNIFER LEONARD 1-71003 $112,44 MARTIN LEONARD 1-71011 $35.00 Total New Charges S1I 87,44 Detail JENNIFER LEONARD ® Card Ending 1-71003 Amount 12/02/10 AMAZON MKTPLACE PMTSAMZN.COM/BILL WA $112.44 MERCHANDISE ® MARTIN LEONARD Card Ending 1-71011 Amount 11/23/10 PTC EZ PASS AUTO RE HARRISBURG PA $35.00 877-736-6727 Description DIRECTMARKETE Continued on reverse JENNIFER LEONARD Account Ending 1-71003 p. 4/7 Fees J Amount Total Fees for this Period S0.00 Amount 12/08/10 Interest Charge on Purchases $181.28 Total Interest Charged for this Period $181.28 2010 Fees and Interest Totals Year-to-Date Amount Total Fees in 2010 _ . . __ _.._ ._.___.._ $0.00 Total Interest in 2010 $1,057.68 Includes fees and interest charged for billing periods with closing dates on or afterJune 25, 2010. 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 Purchases 17.24°r6 (v) $12,389.43 $181.28 Cash Advances 25.24% (v) $0.00 $0.00 Total 5781.28 (v) Variable Rate ® JENNIFER LEONARD Card Ending 1-71003 Base Cash Rebate Year to Date Qualified Spend $ Cash Rebate $ GAS $216.60 @5% $10.84 GAS $0.00 @1.25% $0.00 GROCERY $0.00 @5% $0.00 DRUGSTORE $0.00 @5% $0,00 Everywhere Else $5,982.01 @1.25% $74.77 Cumulative Rebate Previously Earned $6,41 1.90 $32.46 Total 572,610.51 - -- $118.07 Continued on next page AMET^R~CANf B'ue Cash® from American Express p. 5n EXPRESS JENNIFER LEONARD Closing Date 12/08/10 Account Ending 1-71003 Total Cash Rebate Summary Amount; Total Cash Rebate Since Opened ;576.77 Important Rebate Message Your cumulative cash rebate from your prior card(s) is shown above. Please note that any single gasolinetransaction over 5400 will earn 0.5% for the first E6,500 of purchases made annuallyon the Card and 1.25%for annual purchasesover 56,500. The line' Cumulative Rebate Previously Earned' includes the rebate you may have earned for spending up to 56,500 in the rebate yearfor this Card, as well as any rebate you may have earned on eligible cards from which you have transferred within the rebate year. Earn Cash Back Everywhere You Use the Card Congratulationson earning your cash rebate! JENNIFER LEONARD Account Ending 1-71003 p. sn P. ~n Re: Blue Cash Account ending in: 71003 Dear Jennifer Leonard , 11 /30/2010 We wantto help you understand howyourcreditcardworks. This includeschangeswe're required to make because of newfederal regulationsthat impact late paymentfees, retumed paymentfees, and Penalty APRs. These changes are summarized in the table below. We're also pleased to let you know we've rewritten your CardmemberAgreement snit's simpler and easierto use and understand. We've enclosed a copy ofyour new CardmemberAgreement,which includes information on: • rates and fees for your account • the minimum payment due and how payments are applied • when interest charges apply, and when they don't • otheraccountterms You can learn more about how to manage yourcard account and protect your creditwith simple tips, advice, and explanations by visiting americanexpress.com/consumerresources. The following is a summary of changes to youraccountterms,effective August 22, 2010. More detailed information about these account terms appears on page 2 of the CardmemberAgreement. RWI~idTrtfllN, M~At~r@ Late Payment Fee Up to $35 Returned Payment Fee Up to $35 PenaltyAPRandWhen 27.24% It Applies This APR will vary with the market based on the Prime Rate. This APR will apply to youraccount if you: 1) make one or more late payments; or 2) make a payment that is retumed. How Long Will the PenaltyAPRApply? IfthePenaltyAPRis applied,itwillapplyforatleast6months. Wewillreviewyour Account every 6 months afterthe penaltyAPR is applied. The Penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. IMPORTANT: See thereversesideofthisletterforinformationabouttheterminationofconvenience checks and the duration ofthe Penalty APR. Thank you for your Card membership. We look forward to continuing to serve you. Sincerely, American Express See reverse side forimportant information CMAEUALE0000101 Convenience Checks We will no longer honorconvenience checks. Ifyou still have convenience checks, even ifyou requested them, DO NOT USE THEM. Any convenience checks presented to us for payment on or after March 1, 2011 will be DECLINED. Destroy any convenience checks you may have. Ifyou use a convenience check despite this warning and it is declined, you may have to pay returned check fees or other penalties to whomever you wrote the check. How Long will the Penalty APR Apply? If the Penalty APR currentlyapplies to yourAccount, we will review it on or before February 22, 2011 as described onthefrontofthisletter. Before thisreview,thePenaltyAPRwillcontinuetoapplyinaccordancewith the terms of your Cardmember Agreement in effect priorto August 22, 2010. CMAEUALE0000101 AME R I ~fV, EXPRESS CardmemberAgreement: Part 1 oft As of: 11/30/2010 Blue Cash Issuer: American Express Centurion Bank CardmemberName: JenniferLeonard Credit Limit: $12,400 (Cash Advance Limit: $ 200) Account Ending In :71003 Rates and Fees Table Annual Percentage Rate ~ 7 24% (APR) for Purchases . This APR wil I vary with the market based on the Prime Rate. APRforBalanceTransfers 17.24%foranybalancetransferrequests we may accept. This APR will va with the market based on the Prime Rate. APRforCashAdvances 25.24% This APR will varywith the market based on the Prime Rate. PenaltyAPRand When it 27.24% Applies This APR will varywith the market based on the Prime Rate. This APRwill applyto youraccount ifyou: 1) make one or more late payments; or 2) makeapaymentthatisretumed. How Long Will the Penalty APR Apply? Ifthe Penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months afterthe Penalty APR is applied. The PenaltyAPRwill continue to apply until you have made timely payments with no returned payments during the 6 months bein reviewed. Payinglnterest Yourduedateisatleast25daysafterthecloseofeachbillingperiod. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from To learn more about factors to consider when applying foror using a credit card, the Federal Reserve Board visit the website of the Federal Reserve Board at Annual Membership Fee None Transaction Fees •BalanceTransfer Either$5or 3%oftheamountofeachtransfer,whicheverisgreater. • Cash Advance Either $5or 3%ofthe amountofeach cash advance, whicheveris greater. • Foreign Transaction 2.7%of each transaction afterconversion to US dollars. Penalty Fees • Late Payment Up to $35 • Returned Payment Upto $35 • Overlimit None Howwe calculate interest: We use theAverage Daily Balance method (including newtransactions). Seethe How we calculate interest section in Part 2. Your Billing Rights: See Part 2 for information on how to exercise your rights to dispute transactions. CMAEUAA00000105 Page 1 of 11 How Rates and Fees Work Calculating APRs and DPRs TheAnnual Percentage Rate ( APR)forvariablerates isdetermined byadding an amount ( margin) to the Prime Rate (see Determining the Prime Rate in Part 2). The Daily Periodic Rate ( DPR) is 1 /365th ofthe APR, rounded to one ten-thousandth of a percentage point. Rate Description Prime+Margin APR DPR Purchase Prime+ 13.99% 17.24% 0.0472% Balance Transfer Prime+ 13.99% 17.24% 0.0472% Cash Advance Prime + 21.99% 25.24% 0.0691 Penalty Prime+ 23.99% 27.24% 0.0746% PenaltyAPRfor The penaltyAPRappliestonewtransactionsif: IfthePenaltyAPRappliestoabalance,itwill newtransactions •youdonotpayatleasttheMinimum applytochargesaddedtothatbalance15or Payment DuebytheClosingDateofthe moredaysafterwesendyounotice. billing period in which it is due, • you do not pay at leastthe Minimum We will review yourAccount every 6 months after Payment Due by the Payment Due Date 2 the PenaltyAPR is applied. The PenaltyAPR will times in 12 billing periods, or continue to apply until you have made timely •yourpaymentisretumedbyyourbank. payments with no returnedpaymentsduringthe6 months being reviewed. PenaltyAPR for Ifyou do not pay at least the Minimum Payment Due within 60 days after its Payment Due Date, we existing balances can apply the penalty APR to those balances it does not already apply to. After you pay on time for 6 billing periods in a row, the penaltyAPR will no longerapply to those balances (but it may still apply to other balances as described above). We add fees to a purchas e balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. You may have up to 3 additional cards at no charge. Late Payment Up to $35. Ifwe do not receive the Minimum Payment Due by its Payment Due Date, the fee is $25. Ifthis happens again within the next 6 billing periods, the fee is $35. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a Penalty APR. See Penalty APRfornewtransactions and PenaltyAPR forexistingbalances above. RetumedPayment Upto$35.Ifyourpaymentisretumedunpaidthefirsttimewepresentittoyourbank,thefeeis $25. Ifthis happens again within the next 6 billing periods, the fee is $35. However, the returned payment fee will not exceed the Minimum Payment Due on the last Payment Due Date before the payment is returned. A returned payment may also result in a PenaltyAPR. See PenaltyAPR for newtransactionsahove. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is retumed unpaid. We will also charge you the unpaid amou nt. Overlimit None. See Creditlimitandcashadvancelimit inPart2. Statement Copy $5 foreach statement you request, except forthe 3 most recent billing periods. Account Re-opening $25 if yourAccount is cancel led, you ask us to re-open it, and we do so. Balance Transfer 3%ofthetransaction,withaminimumof$S.Adifferentfeemayapplyifstatedinapromotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 3%ofthewithdrawalandotherservicesyouobtain(includinganyfeechargedbytheATM operator), with a minimum of$5. Wewill add this feetothe cash advance balance. Foreign Transaction 2.7%oftheconverted U.S.dollaramount.Thisfeeisafinancecharge.See Converting charges made in a foreign currency in Part 2. Part 1, Part 2 and any supplements or amendments make up your CardmemberAgreement. CMAEUAA00000105 Page 2of 11 AMERICANA EXPRESS f~ Supplementtothe CardmemberAgreement How YourReward Program Works Blue Cash How you receive You wilt receive Blue Cash Reward Dollars sM reward dollars (reward dollars) foreligible purchases on your Blue Cash from American Express Card Account. The numberof reward dollars you will receive each bil ling period is based on a percentage of thedollaramountofyoureligiblepurchases during the billing period. You will receive a reward of 1 % on everyday purchases, described below, and a reward of 0.5% on all other types of eligible purchases, on yourfirst$6,500 ofeligiblepurchases inthe 12 billing periods in a row beginning with the one in which the anniversary of your Card Account occurs (reward year). Afterthat, you will receive a reward of5%on everyday purchases, and a reward of 1.25%on all othereligible purchases, on the amountof youreligible purchases in excessof$6,500 in that reward year. Eligible purchases are purchasesforgoodsand services minus returns and othercredits. Eligible purchases do NOT include: • feesorinterestcharges, • balance transfers, • cash advances, • purchases oftraveler's checks, • purchases orreloading of reloadable prepaid cards, or • purchasesofanycashequivalents. Everydaypurchases areeligiblepurchasesmade in the U.S. at: • grocerystores, • supermarkets, • drug stores, and • gas stations(forgasolineonly,upto$400for each purchase). Everyday purchases do NOT include purchases at superstores or warehouse clubs. You will NOT receive reward dol tars for everyday purchases ifa merchantdoes notsubmitthe purchase using the correct ind ustry or merchant code. A merchant with more than one location may submit purchases using different codes. This means that purchases at some locations would receive a higherreward, while purchases atother locations ofthe same merchantwould receive a lower or no reward. When you will not You will not receive reward dollars for eligible Credits foreligible purchases will reduce the receive reward purchases posted to your CardAccountduringa number of reward dollars you receive. dollars billing period ifthe Minimum Payment Due shown onthestatementforthatbilling period is notpaid by the Closing Date of the next billing period. How you can redeem reward dollars You can redeem reward dollars forstatement credits in increments of 25 whenever you r total ava ilable reward dol lar balance is 25 or more. Redemption will be in the form of a statement credit of$1 forevery reward dollar redeemed. The credit cannot be more than the amount ofthe outstanding balance on your Card Account. From time to time we may at our option offer you otherwaysto redeem your reward dollars, such as forgift cards or merchandise. The minimum redemption is 25 reward dollars. You cannot redeem reward dollars if your available reward dollar balance is less than the amount ofyour redemption request, oryour Card Account is pastdue or you have a returned payment outstanding. When you will forfeit You will forfeit yourentire reward dollar balance ifyour Card Account is cancelled forany reason or reward dollars there are no transactions on your Card Account for 18 billing periods in a row. The Reward Dollars Summary The reward dollars shown on your billing statement underthe heading Reward Dollars Summary is only for informational purposes. It does not show the actual reward dollars that you may be entitled to receive. For example, a credit for eligible purchases posted to you r Card Account can lower the reward dollars shown. Also, if a cred it to your Card Account places you r eligible purchases in a negative status, the Reward Dollars Summary on your billing statement wilt show a zero balance. It will continue to show a zero balance until you accumulate eligible purchases exceeding the negative eligible purchases. Otherthings you You will only receive rewards foreligible We may change the terms ofthis program at our shouldknowabout purchasesforpersonal,familyorhouseholduse. discretion.Ifyouviolateorabusethisprogram, this program Reward dollars are redeemableforrewardsas youmayforfeitsomeorallofyourrewarddollars. described above, they are not cash. CMAEUAPS0000102 Page 3 of 11 This page intentionally left blank. CMAEUAPS0000102 Page4of 11 AMERICAN EXPRESS CardmemberAgreement : Part2 oft CD27738 Introduction Aboutyour ThisdocumenttogetherwithPart1makeupthe Anysupplementsoramendmentsarealsopartof CardmemberAgreement CardmemberAgreement (Agreement)forthe the Agreement. When you use the Account(oryou Account identified on page 1 of Part 1. sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement Words we use in the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. We cannot increase the interest rate on existing balances except in limited dreumstances.Changes We, us, and ourmean the issuershown on page 1 ofPartl. Youand yourmeanthepersonwho applied forthis Ac~unt and forwhom we opened the Account. You and youralso mean anyone who agrees topayforthisAccount.Youarethe Basfc Cardmember. You may requests card foran Additional Cardmember (see AboutAdditionai Cardmembers in Part 2). Cardmeans any card or other device that we issue to accessyourAccount.A cha-geisanyamount to some terms may req ui re 45 days advance notice, and we will tell you in the notice if you have the right to rejects change. We cannotchange certain terms during the first year of your Cardmembership. added to you rAccount, such as purchases, cash advances, balance transfers, fees and interest charges. A purchase is a charge for goods or services. A cash advance is a charge to get cash orcashequivalents.A balance transferisacharge to pay an amou nt you owe on another credit card account. To pay by a certain date means to send your payment so that we receive it and credit it to your Accountbythatdate(see Aboutyourpayments Part2). About using yourcard Using the card Youmayusethecardtomakepurchases.Atour Account statusorchangestoyourcardnumberor discretion, we maypermityoutomakecash expirationdate.Youmustnotifythemerchants advancesorbalancetransfers.Youcannottransfer directlyifyouwantthemtostopchargingyour balancesfromanyotheraccountissuedbyusorour Account. affiliates. Promise to pay You promise to pay all charges, induding: • charges you make,evenifyoudonotpresentyourcardorsignforthetransaction, • charges thatotherpeoplemakeifyouletthemuseyourAccount,and • charges that AdditionalCardmembersmakeorpermitotherstomake. You may arrange for certain merchants to charge your Account at regular intervals. We may (but are not requ i red to) tell these merchants about you r Keep yourcard safe and don't let anyone else use it. If your card is lost or stolen or yourAccount is being used without your permission, contact us right away. You may not use your Account for illegal activities. Credit limit and cash advance limit Weassigna CreditLimittoyourAccount.Wemay make part of your Credit Limit available for cash advances (Cash Advance Limit). There may also be a limit on the amount you can withdraw from ATMs in a given period. The Credit Limit and Cash Advance Limit are shown on page 1 of Part 1 and on each billing statement. We may increase or reduce your Credit Limit and Cash Advance Limit. We may do so even if you pay on time and yourAccount is not in default. You agree to manage yourAccount so that: • yourAccount balance (includingfeesandinterest) is not more than your Credit Limit, and • yourceshadvancebalance(includingfeesand interest) is not more than your Cash Advance Limit. We mayapprove chargesthat cause yourAccount balance to go over your Credit Limit. Ifwe do this, wewill not charge an overlimitfee. Ifwe ask you to promptly pay the amount of yourAccount balance above your Credit Limit, you agree to do so. Declined transactions We may dedine to authorize a charge. Reasons we maydo this include suspected fraud and our assessment of your creditworthiness.This may occur even if the charge would not cause you to go over your Credit Limit and you rAccount is not in default. We are not responsible forany losses you incur if we do not authorize a charge. And we are not responsible if any merchant refuses to accept the card. CMAEUACM0000102 Page 5 of 11 About your payments When you must pay You must payat least the Minimum Payment Due by at leastthe Minimum Payment Due in such time and the Payment Due Date. The Minimum Payment Due manner by the Payment Due Date shown on your and Payment Due Date are shown on each billing billing statement. statement. Each statement also states the time and manner by which you must make your payment for it to be credited as of the same day it is received. For your payment to be considered on time, we must receive Each statement also shows a Closing Date. The Closing Date is the last day of the bil ling period covered by the statement. Each Closing Date is about 30 days after the previous statement's Closing Date. Howtomakepayments MakepaymentstousinU.S.dollarswith: yourbillingstatement.Ifwereceiveitafterthattime, • a single checkdrawn on a U.S. bank, or we will creditthe paymenton the day afterwe • asinglenegotiableinstrumentclearablethrough receive it. theU.S.bankingsystem,forexampleamoney If yourpaymentdcesnotmeettheabove order, or • an electronicpaymentthatcanbedearedthrough requirements, there may be a delay in crediting your the U.S. banking system. Account.Thismayresultinlatefeesandadditional interest charges (see HowRatesand Fees Work on When making a payment by mail: page 2 of Part 1). • make a separate payment for each account, If we deride to accept a payment made in a foreign • mailyourpaymenttotheaddressshownonthe currency,wewillchoosearatetoconvertyour payment coupon onyourbillingstatement,and paymentintoU.S.dollars,unlessthelawrequiresus • write yourAccountnumberonyourcheckor to useaparticularrate. negotiable instrument and include the payment coupon. If we process a late payment, a partial payment, or a If your payment meets the above requirements we payment marked with any restrictive language, that , will credit ittoyourAccountasofthedaywereceive will have no effect on our rights and will not change it, as long as we receive it by the time disclosed in this Agreement. How we apply payments YourAccount may have balanceswith different Afterthe Minimum Payment Due has been paid, and Credits interestrates.Forexample,purchasesmayhavea we applyyourpaymentstothebalancewiththe lowerinterestratethancashadvances.Ifyour highestinterestrate,andthentobalanceswith Account has balances with different interest rates, lower interestrates. here is how we generally apply payments in a billing Inmost cases, we apply a credit to the same period: • Weapplyyourpayments,uptotheMinimum balance as the related charge. Forexample, we Payment Due, first to the balance with the lowest apply a credit for a purchase to the purchase interestrate,andthentobalanceswithhigher balance. Wemayapplypaymentsandcreditswithin interest rates balances, and among balanceswith the same . interest rate, in any orderwe choose. Aboutyour Minimum Payment Due HowweC8lCUlateyour To calculate the Minimum PaymentDueforeach Minimum Payment Due statement, westartwiththe highestofthefollowing ~~~~~ three amounts: (1) 2%of the New Balance (excluding late fees on the statement); or (2) interest charged on the statement plus 1 % of the New Balance (excluding late fees and interest on the statement), not to exceed 4% of the New Balance; or (3) $15. Then we add late fees on the statement, round to the nearest dollar, and add any amount past due. However, your Minimum Payment Due will not exceed your New Balance. A fhaty6~r"IVIhw B~ndr is t~ Q9Q iMglsst ~ 329.57 (aea N~a exo-rsp~ on the ne~rt pap~e), an0youheNartoplKrtAwsarar pe8tdue. (f) 2f6x33.tJfJID=3tl~~ (~' X29.57+!%x{33,tX10-329.57)=359.27 ~ t45 00 The t~Mstoftheama~rttsls36f1.©t?. SOlhe ~~~ ~380.U0. Adjusting your If you regularly pay more than the Minimum Payment Due described above, we may adjust it in future Minimum Payment Due billing periods. Thismayletyoumakeasmallerminimumpaymentfromtimetotime.Butifyouthendo not regularly pay more than the Minimum Payment Due described above, we will stop adjusting it and return to the formula above. If we start or stop adjusting your Minimum Payment Due, we will do so for at least six billing periods in a row. To adjust the Minimum Payment Due, wewill not exclude late feesfrom (1)andnotaddl%oftheNewBalancein (2).Then,if (2)isthehighest(butlessthan4%oftheNew Balance), we will add $15. If we do the adjustment, we will not include any new late fees in the Minimum Payment Due. continued on nextpage... CMAEUACM0000102 Page 6 of 11 AMERICAN:'. EXPRESS ...continued from previous page WewilldothisifoversixbillingperiodsthesumofyourpaymentsismorethanthesumoftheMinimum Payments Due (not adjusted, except any amount past due is counted only in the firstof those six periods). We will also make the adjustment if oversix billing periods the sum ofthe Minimum Payments Due (not adjusted) is not more than $90 and equals the sum of your payments. However, we will not make the adjustment if the sum of Minimum Payments Due is zero and we did not adjust the Minimum Payment Due the lasttime itwas notzero. About interest charges When we Charge interest We charge interest beginning on the date ofeach transaction. You can avoid paying intereston purchases as described below. However, you cannotavoid paying interest on cash advances and balance transfers. Ifyou paythe New Balance on every statement by the Payment Due Date, we will not charge interest on purchases. Ifyou pay the New Balance on a statement by the Payment Due Date and then you pay less than the New Balance on the following statement by the Payment Due Date, we will not charge intereston the portion ofthe purchase balance thatwe apply that payment to. But we will charge intereston unpaid purchases. Ifyou do not paythe New Balance on a statement by the Payment Due Date and then: • you pay the New Balance on the next statement by the Payment Due Date, we will not charge interest on purchases from the date of your payment to the Closing Date of the billing period in which you made that payment. But we wil I charge interest on purchases from the beginning of that billing period until the date of your payment. • you pay the New Balance on each of the next two statements by their Payment Due Dates, we will not charge intereston purchases on the following statement. Also, we will not charge interest on purchases on a statement if the Previous Balance on that statement is zero or a credit balance. How we calculate interest We calculate interest for a billing period by first figuring the intereston each balance. Different categories oftransactionssuch aspurchasesandcashadvancesmay havedifferentinterestrates.Balances within each category may also have different interest rates. We use the Average Daily Balance method (including newtransactions) tofigure interest charges for each balance. The total interest charged for a billing period is the sum ofthe interest charged on each balance. Interest The interestcharged fora balance in a billing period, except forvariations caused by rounding, equals: • Average Daily Balance (ADB) x • Daily Periodic Rate ( DPR) x • numberofdaystheDPRwasineffect. ADB TogettheADBforabalance,weaddupits daily balances. Then we divide the result by the number of days the DPR forthat balance was in effect. If the daily balance is negative, we treat it as zero. DPR A DPR is 1 /365th of an APR, rounded to one ten- thousandth of a peroentage point. Your DPRs are shown in How Rates and Fees Work on page 2 of Part 1. Asa<rme Mrrt~rfrs~eaaalrt~9r9alf/~IM of f5.9g9G, J+~'iriZ 2~danatmharsa~ 3f1 days l-- the i'~inQ Pwlbd. The QPIRA is ~4L+3Bt'id~ra=O.tM6 h~rrst la~1,250x0.0~3a96x3Ddisya =!29.57 Daily Balance Foreach daya DPR is in effect, we figure the daily balance by: • taking the beginning balance fortheday, adding any new charges, • subtractinganypaymentsorcredits;and • making any appropriate adjustments. We add a new charge to a daily balance as of its transaction date. Beginning balance Forthefirstdayofa billing period, the beginning balance is the ending balance for the prior billing period, including unpaid interest. Forthe restofthe billing period, the beginning balance isthe previous day's daily balance plus an amountofinterestequal to the previous day sdailyba/ance multiplied by the DPRforthatbalance .This methodoffiguringthe beginning balance results in dail ycompounding of interest. When an interest rate changes, the new DPR may comeintoeffectduring not justatthebeginning of the billing period. When this happens, we will create a new balance and applythe new DPR to it. To get the beginning balance on the first day forthis new balance, we multiplythe previous day's daily balance by the old DPR and add the result to that day's daily balance. Other methods To figure the ADB and interest charges, we may use otherformulas or methods that produce equivalent results. Also, we may choose not to charge interest on certain types of charges. CMAEUACM0000102 Page 7 of 11 Determining the We use the Prime Rate from the Money Rates use the Prime Rate from any other newspaper of Prime Rate section (orsuccessor section) of The Wall Street general circulation in NewYork,New York. Orwe Journal. The Prime Rateforeachbillingperiodisthe may choose touseasimilarpublishedrate. Prime Rate published in The Wall StreetJoumal 2 If the Prime Rate increases, variable APRs (and daysbeforetheClosingDateofthebillingperiod. corresponding DPRs)willincrease.lnthatcase,you The Wall Street Journal may not publish the Prime may pay more interest and may have a higher Rate on that day. Ifit does not, we will use the Prime Minimum Payment Due. When the Prime Rate Rate fromthepreviousdayitwaspublished.If The changes,theresultingchangestovariableAPRs Wall StreetJournal is no longer published, we may take effect as of the first day of the billing period. Other important information AboutAdditionel Atyourrequest,wemayissuecardstoAdditional You authorizeustogiveAdditionalCardmembers Cardmembers Cardmembers.Theydonothaveaccountswithus informationaboutyourAccountandtodiscussit buttheycanuseyourAccountsubjecttotheterrns with them. ofthisAgreement. You are responsibleforalluseof If youwanttocancelanAdditionalCardmember's yourAccountbyAdditionalCardmembersand righttouseyourAccount(andcanceltheircard)you anyonetheyallowtouseyourAccount.Youmust musttellus. pay for all charges they make. Converting charges made Ifyoumakeachargeinaforeigncurrency,wewill interbankratewe identify from customarybanking in a foreign Currency convert it into U.S. dollars on the date we orour sources on the conversion date orthe prior business agents process it. Unless a particularrate is day. This rate maydifferfrom rates thatare in effect required by law, we will choose a conversion rate on the date of your charge. We will bill charges thatisacceptabletousforthatdate.Theratewe converted by establishments (such asairlines)atthe use is no more than the highest offidal rate rates they use. published by a government agency or the highest Changing your You must notify us immediately ifyou change the: If you have more than one account, you need to billing address mailingaddresstowhichwesendbilling notify usseparatelyforeachaccount. statements; or We may update your billing address ifwe receive • e-mail address to which we send notice that your information that it has changed or is incorrect. billing statement is available online. ClosingyourACCOUnt You may doseyourAcwuntbycallingusorwritingtous. Cancellingorsuspending We may: We maydoanyofthesethingsatourdiscretion, yourACCOUnt • cancelyourAccount, evenifyoupayontimeandyourAccountisnotin • suspendtheabilitytomakecharges, default. • cancelorsuspendanyfeatureonyourAccount, IfyourAccountiscancelled,youmustdestroyyour and cards. WemayagreetoreinstateyourAccountafter • notify merchants thatyourAccounthasbeen a cancellation. If we do this, we may: cancelled or suspended. • reinstateanyadditionalcardsissuedonyour Ifwedoanyofthese,youmuststillpayusforall Account, chargesunderthetermsofthisAgreement. chargeyouanyapplicableannualfees, and • charge you a fee for reinstating the Account. About default We may consideryourAccountto be in default if: If we consideryourAccount indefault, we may: • youviolateaprovisionofthisAgreement, suspendyourabilirytomakecharges, • yougiveusfalseinformation, cancelorsuspendanyfeatureonyourAccount, • you fileforbankruptcy, requireyoutopaymorethanyourMinimum • you defaultunderanotheragreementyouhave Payment Dueimmediately, and withusoranaffiliate, requireyoutopayyourAccountbalance • you becomeincapacitatedordie, or immediately. • we believe you are unable orunwilling to pay your debts when due. Collection costs You agree to pay all reasonable costs, including attorneys' fees, thatwe incurto collect amounts you owe. Credit reports You agree that we may obtain credit reports about you, investigate yourabilityto pay, and obtain information aboutyou from othersources.And you agree thatwe may use such information forany purposes, subject to applicable law. You agree thatwe may give information about your Accountto credit reporting agencies. We maytell a credit reporting agency ifyou fail to complyvrith any term ofthisAgreement. This may have a negative impact on your credit record. If you believe information we have given to a credit reporting agency is incorrect, write to us at: American Express Credit Bureau Unit, P.O. Box 981537, EI Paso, TX 79998-1537. When you write to us, tell us yourAccount number and the specific information you believe is incorrect. CMAEUACM0000102 Page 8 of 11 AMERICAN EXPRESS Send'Ing you notices We mail you notices through the U.S. mail, postage prepaid, and address them to you atthe latest billing address on ourrecords. Any notice thatwe send you this way is deemed to be given when deposited in the U.S. mail. We may contact you Fromtimetotime,wemaycontadyouabouttopics to ensurethequalityofcustomerserviceorwhenit ranging from servicing to marketing offers to is required bylaw. collecting amounts you owe. We may monitor and You can choose to not receive marketing offers from record phone calls between you (or any Additional us. To do this, call us at 1-800-297-8378 or log on to CardmembersonyourAccount)andus.Wedothis www.americanexpress.com/communications AboutinsuranceproduCts Weorouraffiliatesmaytellyouaboutinsuranceand oranotheraffiliateistheinsurerorreinsurer. non-insurance products, servicesorfeaturesthat Compensationmayinfluencewhatproductsand mayhaveafee.Oneofouraffiliatesmayacton providersweorouraffiliatestellyouabout. behalfof a providerofthese products. The affiliate We may share information about you with our may be compensated forthis. The insurance affiliates so theycan identify products that may productsarenotofferedorsoldbyusoronour interest you.Wemaybecompensatedforthis behalf. Ouraffiliates maygetadditional information. compensation when Amex Assurance Company How we handle electronic When you pay us by check, you authorize us to If we do this, your payment may be deducted from debitsfromyourchecking electronically deducttheamountfromyourbankor yourbankorotherassetaccountonthesameday account other asset account. we receive your ched<. Also, you will not receive We may process the check electronically by that cancel led check with you r bank or asset transmitting to your financial institution: account billing statement. • theamount, Ifwecannotcollectthefundselectronically,wemay • the routing number, issueadraftagainstyourbankorotherasset • theaccountnumber,and accountfortheamountofthecheck. • thecheckserialnumber. ExpressPay Cards issued on yourAccount may be equipped with ExpressPay. ExpressPay enables you to make chargeswithout having the card swiped orimprinted. You can call us to deactivate ExpressPay at any time. Also, we may deactivate ExpressPay at any time. Privacy ACt of 1974 notice Some federal agencies may acceptthe card underauthority of statute. When you make chargesat these agencies, we collect certain charge information. That information may be put to routine uses such as processing, billing and collections. Itmayalso be aggregated for reporting, analysis and marketing use. Other routine uses byagencies may be published in the Federal Register. Convenience Checks Convenience checks (including balance transfer add the feeto the same balance that we add the checks) are checks thatwe may send you to access convenience check transaction to. your Account. The following terms will apply to use We will charge $29 each time you ask us to stop of those checks unless otherwise disclosed with the payment on a convenience check. check. If you use a convenience check, we may decline it. If we decline it, you may haveto pay returned check fees or other penalties to whomever you wrote the check. If you use a convenience check and we honor it, we will charge interest beginning as of the date we receive the check. You cannot avoid paying interest on convenience checktransactions. We wil I charge a fee for each convenience check transaction. This fee is 3% of the transaction, with a minimumof$5.Thisfeeisafinancecharge.We will A convenience check is nota card. You may not use convenience checks to pay this or any other account with us or our affiliates. If you use a convenience check, we will apply the: • cash advance APR if you make it payable to cash, to you, orto a bank, brokerage or similar asset account, or to a mortgage or insurance provider. • purchase APR ifyou make it payable to a merchant. • balancetransferAPRifyouuseittotransfera balance from another creditor. • penaltyAPRifitappliestoyourAccount. Changing benefits Wehavetherighttoadd,modifyordeleteanybenefit,service,orfeatureofyourAccountatour discretion. Assigning the Agreement We may sell, transferorassignthisAgreementandyourAccount.Wemaydosoatanytimewithout notifying you. You may not sell, assign ortransfer your Account or any of you r obligations under this Agreement. Assigning Claims Ifyou dispute a charge with a merchant, wemay credit the Account for all or partofthe disputed charge. If we do so, you assign and transferto us all rights and daims (excluding tort claims) against the merchant. You agree that you will not pursue any daim against the merchantforthe credited amount. And you must cooperate with us ifwe dedde to do so. CMAEUACM0000102 Page 9 of 11 Wedonotwaiveourrights WemaychoosetodelayenforcingortonotexerciserightsunderthisAgreement.Ifwedothis,wedonot waive our rights to exercise orenforce them on any other occasion. Governing law Utah law and federal law govern this Agreement and yourAccount. They govern without regard to internal prindples of conflicts of law. We are located in Utah. We hold yourAccount in Utah. We entered into this Agreementwith you in Utah. Arbitration ThisArbitration provision sets forth the droumstancesand procedures underwhich daims maybe arbitrated instead of litigated in court. Definitions As used in this Arbitration provision, theterm claim means any claim, dispute or controversy between you and us arising from or relating to yourAccount, 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,exceptforthevalidiry, enforceabi lily or scope of this Arbitration provision. For purposes ofthis Arbitration provision, you and usalsoindudesany corporate parent, orwhotly or majority owned subsidiaries, affiliates, any licensees, predecessors, successors, assigns, any purchaserofanyaccounts,sll agents, employees, directors and representatives of any of the foregoing, and other persons referred to below in the definition of claims. Claim indudes daims of every kind and nature, including but not limited to, initial daims, counterclaims, cross-claims and third- partydaims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common lawand equity. Claim also includes daims by oragainst 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 partidpate infee-based orfree benefit programs, enrollment services and rewards programs, credit insurance companies, debtcollectors and all oftheir agents, employees, directors and representatives) ifandonly if, such third party is a party in connection with the claim. The term daim isto be given the broadest possible meaningthatwill beenforced 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 orwritten statements related toany 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 orfree benefit programs, enrollment services and rewards programs), and (d) your application forany account. We shall notelect to use arbitration underthis Arbitration provision for any claim that you properly file and pursue in a small daims cou rt of your state or municipality so long as the claim is individual and pending only in that court. Inltlation ofArbitratlon Any daim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration provision and the code of procedures of the arbitration organization to which the daim is referred in effect at the time thedaimisfiled( code),excepttotheextent the code conflicts with this Agreement. Claims shall be referred to either JAMS or the AmericanArbitrationAssociation( AAA), as selected by the parry electing to use arbitration. If our selection of either of these organizations is unacceptable to you, you may select the other organization within 30 days after you receive notice of our selection. Fora copy of the code, to file a daim orfor otherinformation, contacteither: JAMS (1920 Main St#300, Irvine, CA92614 or jamsadr.com) orAAA (335 Madison Ave, New York, NY 10017 oradr.org). In addition tothe organizations listed above, daims may be referred to any other arbitration organization that is mutually agreed upon in writing by you and us, or to an arbitration organization or arbitrator(s) appointed pursuantto § 5ofthe Federal Arbitration Act, 9 U.S.C. §§ 1-16, as it may be amended (FAA), provided thatany such organization and arbitrator(s) will enforce the terms of the Restrictions on Arbitration subsection setforth below. Significance of Arbitration IF ARBITRATION IS CHOSEN BY ANY PARTY W ITH RESPECT TO A CLAIM, NEITHERYOU NOR WE WILL HAVE THE RIGHTTO LITIGATE THATCLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM. FURTHER, YOU AND WE WILL NOT HAVE THE RIGHTTO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS AMEMBEROFANYCLASS OF CLAIMANTS PERTAIN ING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPTAS SET FORTH BELOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THATYOU OR WE WOULD HAVE IFYOU WENTTO COURT ALSO MAY NOT BE AVAI LABLE 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 ORON BASES INVOLVING CLAIMS BROUGHTINAPURPORTED REPRESENTATIVECAPACITYONGEHALF OFTHE GENERAL PUBLIC, OTHER CARDMEMBERS OROTHER PERSONS SIM ILARLY 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 by you against us, or by us against you, may not bejoined or consolidated in arbitration with claims brought by oragainst someone otherthan you, unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or daims in any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision of this Agreement (including but not limited to the Continuation subsection below) and withoutwaiving either party's right to appeal such decision, should any portion of this Restrictions on Arbitration subsection be deemed invalid or unenforceable, then the entire Arbitration provision (other than this sentence) shall not apply. CMAEUACM0000102 Page 10 of 11 Arbitration Procedures ThisArbitrationprovision ismade pursuant to transactions involving interstate commerce and shall be governed by the FAA. The arbitration shall be governed by the applicable code, except that this Agreement shall apply if then: are any conflicts. The arbitrator shall apply applicable substantive law consistent with the FAAand applicable statutes of limitations, shall honor claims of privilege recognized at law, and, atthe timely request ofeitherparty, shall provide a briefwritten explanation ofthe basis forthe decision. The arbitration proceeding shall not be governed by any federal or state rules of civil procedu re or rules of evidence. Any party may request that the arbitratorexpand the scope of discovery by doing so in writing and espying any other parties, who shall have 15 days to make objections. The arbitratorwill notify the parties ofhis/herdecision within 20 days of any objecting party's submission. The arbitrator shall take reasonable steps to preserve privacy. The arbitrator's award shall be final and binding, except for any right of appeal provided bythe FAA; however, either party shall have 30 days to appeal that decision by notifying the arbitration organization and any other parties in writing. continued on next page... ...continued from previous page The organization will then appointathree- arbitratorpanelwhich shall consideranew any aspect of the decision objected to by the appealing party. The panel shall issue its decision, by majority vote, within 120 days of the appealing party's written notice. Judgment upon any award rendered by the arbitratoror panel may be entered in any court having jurisdiction. Location ofArbitration Arbitration hearings you attend shall take place in thefederaljudicial districtofyour residence. Payment of Fees You will be responsible for paying your share, if any, of the arbitration fees (including filing, administrative, hearing and/or other fees), but only up to the amount ofthe filing fees you would have incurred if you had brought a daim in the state or federal court dosest to your billing address that would have had jurisdiction. We will be responsible forany additional arbitration fees. At your written request, we will consider in good faith making a temporary advance of all or part of your share of any arbitration fees. You will not be assessed any arbitration fees in excess of your share ifyou do not prevail in any YOUr Billing Rights :Keep this Documentfor Future Use arbitration with us. Continuation ThisArbitrationyrovision shall survive termination of your Account; voluntary payment ofthe 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 (in the case of a sale, its terms shall apply to the buyerofyourAccount). Ifany portionof this Arbitration provision, except as otherwise provided in the Restrictions on Arbitration subsection, is deemed invalid or unenforceable, itshall not invalidatethe remaining portions of this provision. Thisnoticetellsyouaboutyourrightsandour Whileweinvestigatewhetherornotthere YourRlghtslfYouAreDissatisfledWith responsibilitiesundertheFairCreditBilling hasbeenanerror: YourCreditCardPurchases Act. Wecannottrytocollecttheamountin Ifyouaredissatisfiedwiththegoodsor What ToDolfYouFindaMistakeonYour question,orreportyouasdelinquenton servicesthatyouhavepurchasedwithyour Statement that amount. credit card, and you have tried in good faith to If you think there is an error on your The charge in question may remain on your correct the problem with the merchant, you statement, write to us at: statement, and we may continue to charge may have the right not to pay the remaining American Express you intereston thatamount. amountdue on the purchase. PO Box 981535 Whileyoudonothavetopaytheamountm EI Paso TX 79998-1535 question, you are responsible forthe remainder of your balance. In your letter, give usthe following information: • Accountinformation:Yournameand account number. • Dollaramount:Thedollaramountofthe suspected error. • Descriptionofproblem:Ifyouthinkthereis an error on your bil 1, describe what you believe is wrong and why you believe it is a mistake. • We can applyany unpaid amount against your credit limit. You must contact us: • Within 60 daysaftertheerrorappearedon yourstatement. • Atleast3businessdaysbeforean automated payment is scheduled, if you want to stop payment on the amount you thinkiswrong. You mustnotifyusofanypotentialerrors in writing. You may cal I us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we mustdo two things: 1. Within 30 daysofreceivingyourletter,we musttell you thatwe received yourletter. We will also tell you ifwe have already corrected the error. 2. Within 90 days of receiving your letter, we must either correctthe erroror explain to you whywe believe the bill is correct. Afterwe finish our investigation, one of iwo things will happen: • If we made a mistake :You will not have to pay the amount in question orany interest or otherfees related to thatamount. • If we do not believe there was a mistake You will have to paythe amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe you r bill is wrong, you mustwrite to us within f 0 days tell ing us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amou nt you question even if your bil I is correct. To use this right, all of the following must be true: 1. The purchase must have been made in your home state orwithin 100 miles of your current mailing address, and the purchase price musthave been more than $50. (Note: Neither of these are necessary if yourpurchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM orwith a check that accesses your credit card account do not qualify. 3. Youmustnotyethavefullypaidforthe purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: American Express PO Box 981535 EI Paso TX 79998-1535 While we investigate, the same rules applyto the disputed amount as discussed above. After we finish our investigation, we will tell you ourdecision.Atthatpoint, ifwethinkyou owe an amount and you do not pay, we may report you as delinquent. CMAEUACM0000102 Page 11 of 11 EXHIBIT "B" AMERIfAN Blue Cash° from American Express EXPRESS JENNIFER LEONARD Closing Date 10/08/12 New Balance $12,629.06 Minimum Payment Due $1,046.00 Includes the past due amount of $697.00 Payment Due Date 11/02/12 Late Payment Warning: If we do not receive your Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee of up to $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the balance And you will pay an charges and each month you shown on this statement in estimated total of... pay... about... Only the Minimum Payment Due 23 years 28,452 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 past due and overlimit. Pay at least 1,046.00, plus any additional charges incurred on your account since the date of this billing statement. If you would like to receive a-mail alerts about payments, spending or fraud protection, you can sign up at americanexpress.com/alerts. See Page 7 for Important Changes to Your Account Terms See Page 9 for Important Changes to the Arbitration provision + Please fold on the perforation below, detach and return with your payment + p. 1/12 Account Ending 1-71003 Blue Cash Rewards as of Sep 2012 14.97 ^ For details, please see your ~ Reward Dollar Summary Account Summary Previous Balance $12,411.07 Payments/Credits -$0.00 New Charges +$0.00 Fees +$35.00 Interest Charged +$182.99 ~ew Balance $12,629.06 Minimum Payment Due $1,046.00 Credit Limit $12,400.00 Available Credit $0.00 Cash Advance Limit $0.00 Available Cash E0.00 Days in Billing Period: 31 Customer Care Pay by Computer amenca nexpress.com/pbc Customer Care Pay by Phone 1-888-258-3741 1-800-472-9297 See Page 2 for additional information ® Payment Coupon ~ Pay by Computer ~ Pay by Phone Do not stapleor use paper clips amencanexpress.com/pbc 1-800-472-9297 'll'llllllllll'll""11'111'11'1111"'lllllllll"'1111"III'lllll JENNIFER LEONARD 17 RASPBERRY DR MECHANICSBURG PA 17050-2793 Account Endingl-71003 Enter account number on all documents. Make check payable to American Express. Payment Due Date 11/02/12 New Balance $12,629.06 Minimum Payment Due $1,046.00 11111111111'III"I'III"1111~111~111111111'1"1111111111111"II' AMERICAN EXPRESS $ • ^ Check here if your addressor p,0. BOX 1270 Amount Enclosed phone number has changed. Note changes on reverse side. NEWARK NJ 07101-1270 OOOD349990603459142 001262906000104600 04 H JENNIFER LEONARD Account Ending 1-71003 p. 2112 Payments: Your payment must be sent to the payment address shown on your statement and must be received by 5 p.m. local time at that address to be credited as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearablethrough the US banking system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment feesand additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearablethrough the US banking system. If we accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unlessa particular rate is required by law. Please do not send post-dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will have no effect on us without our express prior written approval. We will re-present to your financial institution any payment that is returned unpaid. Permission for Electronic Withdrawal: (1) When you send a check for payment, you give us permission to electronicallywithdrawyourpayment from your deposit or other asset account. We will process checks electronically by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, unlessthe check is not processable electronically or a lesscostly process is available. When we process your check electronically, your payment may be withdrawn from your deposit or other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your deposit or other assetaccount statement. Ifwe cannot collect the funds electronically we may issue a draft against your deposit or other asset account for the amount of the check. (2) By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you give us permission to electronically withdraw funds from the deposit or other asset account you specify in the amount you request. Payments using such services of ours received after 8:00 p.m. MST may not be credited until the next day. How We CalculateYour Balance: We use the Average Daily Balance (ADB) method (including new transactions)to calculate the balance on which we charge interest on your Account. Call the Customer Service number listed below for more information about this balance computation method and how resulting interest charges are determined. The method we use to figure the ADB and interest results in dailycompoundingof interest. Paying Interest: Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchases if you pay the New Balance by the due date each month. We will charge you interest on cash advances and (unless otherwisectisclosed) balance transfers beginning on the transaction date. Foreign Currency Charges: If you make a Charge in a foreign currency, we will convert it into US dollars on the date we or our agents process it. We will charge a fee of 2.7% of the converted US dollaramount. We will choose a conversion rate that is acceptable to us for that date, unless a particular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest interbank rate we identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the date of your charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is $1.00 or more. Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Customer Care & Billing Inquiries 1-888-258-3741 Hearing Impaired InternationalCollect 1-336-393-1111 TTY:1-800-221-9950 Large Print & Braille Statements 1-888-258-3741 FAX:1-800-695-9090 Express Cash 1-800-CASH-NOW InNY:1-800-522-1897 Change of Address If correct on front, do not use. • To change your address online, visit www.americanexpress.com/updatecontactinfo • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. • Please print clearly in blue or black ink only in the boxes provided. Street Address City, State Zip Code Area Code and Home Phone Area Code and Work Phone Email Website: americanexpress.com Mobile Site: amexmobile.com Customer Care & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998-1535 07101-1270 Pay Your Bill with AutoPay • Avoid late fees • Save time Deduct your payment from your bank account automatically each month Visit americanexpress.com/autopsy today to enroll. For information on how we protect your privacy and to set your communication and privacy choices, please visit www.america nexpress.com/privacy. p. 3/12 Account Ending 1-71003 Fees Amount 10/02/12 Late Payment Fee $35.00 Total Fees for this Period $35.00 Amount 10/08/12 Interest Charge on Purchases $182.99 Total Interest Chargedfor this Period $182.99 2012 Fees and Interest Totals Year-to-Date Amount Total Fees in 2012 $95.00 Total Interest in 2012 $1,061.45 Interest Charge Calculation Blue Cash° from American Express JENNIFER LEONARD Closing Date 10/08/12 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance5ubject Interest Percentage Rate to Interest Rate Charge Purchases 17.24%(v) $12,506.12 $182.99 Cash Advances 25.24% (v) $0.00 $0.00 Total $182.99 (v) Variable Rate JENNIFER LEONARD Account Ending 1-71003 p. 4/12 p. 5/12 JENNIFER LEONARD Closing Date 10/08/12 Account Ending 1-71003 Reward Dollar Summary Total Reward Dollars as of Sep 2012 Billing Period 14.97 Beginning Reward Dollar Balance +14.97 Reward Dollars Earned* +0.00 Total Reward Dollar Balance +14.97 *Reward Dollars Earned this period are pending until the minimumdue is paid and your account is in good standing. Base Reward Dollars As of Sep 2012 Billing Period Qualified Spend S Reward Dollars GAS 50.00 @1% 0.00 GROCERY 50.00 @1% 0.00 DRUGSTORE 50.00 @1% 0.00 Everywhere Else 50.00 @0.5°r6 0.00 Total 50.00 0.00 Total QualifiedSpendThis Reward Year 51,384.51 Important Messages Since your account was in default, you did not receive your base Reward Dollarsfor the billing period ending Sep 2012. Terms and Conditions You will receive Blue Cash Reward Dollars (Reward Dollars) for eligible purchases. The number of Reward Dollars you will receive each billing period is based on a percentage of the dollar amount of your eligible purchases during the billing period. The reward percentage is based on the type of purchase and your prior spend during the reward year at the time of purchase as follows: You will receive a reward of 1 % on everyday purchases, described below, and a reward of 0.5% on all other types of eligible purchases, on your first 56,500 of eligible purchases in the 12 billing periods in a row beginning with the one in which the anniversaryof your Card account occurs (reward year). For eligible purchases of 56,500.01 or more, the reward is 5.0% for everyday purchasesand 1.25%for all other eligible purchases. EverydayPurchasessre eligible purchases made at the following categories of U.S. merchants that are not departments of superstores or warehouse clubs: supermarkets drug stores, and automobile gasoline stations (up to 5400 for each purchase of automobile gasoline). Eligible Purchasesare charges to your account for goods or servicesthat have not been returned or otherwise credited to your account. Eligible purchasesdo not include fees or interest charges, balance transfers, cash advances, purchases of American Express• Travelers Cheques, purchases or reloading of American Express prepaid cards or purchases of other cash equivalents. You can redeem Reward Dollarsfor statement credits in increments of 25 whenever your total available reward dollar balance is 25 or more. We may at our option offer you other ways to redeem your Reward Dollars, such asfor gift cards or merchandise.Therninimum redemption is 25 Reward Dollars.Only your eligible purchasesfor personal, family orhousehold use will count toward eligible purchases. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Reward Dollars. Additional terms and conditions apply. JENNIFER LEONARD Account Ending 1-71003 p. 6112 Blue Cash° from American Express JENNIFER LEONARD Closing Date 10/08/12 p. 7/12 Account Ending 1-71003 Summary of Changes We're making a change to how some American Express cards work. The following is a summary change to important terms to your account. The detailed change to your Cardmember Agreement appear on the reverse side of this page. Statement Copy Fee We are removing the fee for copies of billing statements you request. This fee was $5.00 for each statement requested, except for the three most recent statements. See the reverse side for the detail of change to your Cardmember Agreement. SCLO2 BP/CCLAOFC/1012 JENNIFER LEONARD Account Ending 1-71003 p. 8/12 Important Change to Your Account Terms The terms of the account referenced in or with this notice are subject to change in accordance with the Cardmember Agreement governing the account (the "Agreement"). This notice formally amends the Agreement as described below. This change applies to existing and future balances on your account. Any terms in the Agreement conflicting with these changes is replaced fully and completely. Terms not changed by this notice remain in full force and effect. We encourage you to read this notice, share it with additional Cardmembers on your account, and file it for future reference. If you have any questions about this change, please call the number on the back of your Card. Statement Copy Fee In the How Rates and Fees Work table, in Part 1 of your Cardmember Agreement, the Statement Copy row is deleted. SCLO2 BP/CCLAOFC/1012 Blue Cash° from American Express JENNIFER LEONARD Closing Date 10/08!12 p. 9/12 Account Ending 1-71003 Changes to the Arbitration Provision We are making changes to the process for resolving legal claims to provide more options. See the summary of our new process below and the detailed language on the following pages for more on these changes. First, if you have an issue or dispute, please contact our Customer Service Department at the number listed on the back of your card. They are able to resolve most issues and disputes. Second, before initiating a mediation, arbitration or litigation, we ask that you send a Claim Notice to: American Express ADR c/o CT Corporation System, 111 8th Ave., New York, NY 10011. For a sample Claim Notice form, go to americanexpress.com/claim. Third, you may now mediate your claim prior to initiating an arbitration or litigation. In mediation, a neutral mediator helps to resolve your claim. Fourth, our Claims Resolution provision includes an arbitration provision. This means that either you or we may choose to have an arbitrator decide any claim instead of having the claim decided by a court. However, you may reject the arbitration provision if you notify us in writing prior to February 15, 2013. Rejecting arbitration: If you rejed the arbitration provision, it will not apply to you, except for any claims subject to litigation or arbitrations pending at the time you send your rejection notice. Also, your rejection will apply to the arbitration provision in any other American Express Card accounts you may have, except for Corporate Card accounts. It will have no other effect on your ability to use your card or the service you have with American Express. How to reject arbitration: You must send us a rejection notice by February 15, 2013, that contains your: • name • address • account number(s) • signature Mail your rejection notice to American Express, P.O. Box 981556, EI Paso, TX 79908. For a sample form, go to americanexpress.com/reject. You are not required to use the sample form. See the reverse side and subsequent pages for the detail of changes. SARO2 BP/ARBTCLM/1012 JENNIFER LEONARD Account Ending 1-71003 p. 10/12 Important Changes to Your Account Terms The terms of the account referenced in or with this notice are subject to change in accordance with the Cardmember Agreement governing your Account (the "Agreement'. This notice formally amends the Agreement as described below. These changes apply to existing and future balances on your Account. Any terms in the Agreement conflicting with these changes is replaced fully and completely. Terms not changed by this notice remain in full force and effect. We encourage you to read this notice, share it with Additional Cardmembers on your Account, and file it for future reference. If you have any questions about these changes, please call the number on the back of your Card. Effective January 1, 2013, the Arbitration provision in the Cardmember Agreement is replaced with the following: CLAIMS RESOLUTION Most customer concerns can be resolved by calling our Customer Service Department at the number listed on the back of your card. In the event Customer Service is unable to resolve a complaint to your satisfaction, this section explains how claims can be resolved through mediation, arbitration or litigation. It includes an arbitration provision. You may reject the arbitration provision by sending us written notice within 45 days after your first card purchase, or by February 15, 2013, whichever is later. See Your Right to Reject Arbitration below. For this section, you and us includes any corporate parents, subsidiaries, affiliates or related persons or entities. Claim means any current or future claim, dispute or controversy relating to your Account(s), this Agreement, or any agreement or relationship you have or had with us, except for the validity, enforceability or scope of the Arbitration provision. Claim includes but is not limited to: (1) initial Gaims, counterclaims, crossclaims and third-party claims; (2) claims based upon contract, tort, fraud, statute, regulation, common law and equity; (3) claims by or against any third party using or providing any product, service or benefit in connection with any account; and (4) claims that arise from or relate to (a) any account created under any of the agreements, or any balances on any such account, (b) advertisements, promotions or statements related to any accounts, goods or services financed under any accounts or terms of financing, (c) benefits and services related to card membership (including fee-based or free benefit programs, enrollment services and rewards programs) and (d) your application for any account. You may not sell, assign or transfer a claim. Sending a Claim Notice Before beginning a lawsuit, mediation or arbitration, you and we agree to send a written notice (a claim notice) to each party against whom a claim is asserted, in order to provide an opportunity to resolve the claim informally or through mediation. Go to americanexpress.com/claim for a sample claim notice. The claim notice must describe the claim and state the specific relief demanded. Notice to you may be provided by your billing statement or sent to your billing address. Notice to us must include your name, address and Account number and be sent to American Express ADR c/o CT Corporation System, 111 8th Ave., NY, NY 10011. If the claim proceeds to arbitration, the amount of any relief demanded in a claim notice will not be disclosed to the arbitrator until after the arbitrator rules. Mediation In mediation, a neutral mediator helps parties resolve a claim. The mediator does not decide the claim but helps parties reach agreement. Before beginning mediation, you or we must first send a claim notice. Within 30 days after sending or receiving a claim notice, you or we may submit the claim to JAMS (1-800-352-5267, jamsadr.com) or the American Arbitration Association ("AAA's (1-800-778-7879, adr.org) for mediation. We will pay the fees of the mediator. All mediation-related communications are confidential, inadmissible in court and not subject to discovery. All applicable statutes of limitation will be tolled until termination of the mediation. Either you or we may terminate the mediation at any time. The submission or failure to submit a Gaim to mediation will not affect your or our right to elect arbitration. SARO2 BP/ARBTCLM/1012 Blue Cash® from American Express 13MERICAN y EXPRESS ~~ 4 JENNIFER LEONARD Closing Date 10/08/12 p. 11/12 Account Ending 1-71003 Arbitration You or we may elect to resolve any claim by individual arbitration. Claims are decided by a neutral arbitrator. If arbitration is chosen by any party, 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 pertaining to any claim subject to arbitration. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator's decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator's decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration. Initiating Arbitration Before beginning arbitration, you or we must first send a claim notice. Claims will be referred to either JAMS or AAA, as selected by the party electing arbitration. Claims will be resolved pursuant to this Arbitration provision and the selected organization's rules in effect when the claim is filed, except where those rules conflict with this Agreement. If we choose the organization, you may select the other within 30 days after receiving notice of our selection. Contact JAMS or AAA to begin an arbitration or for other information. Claims also may be refen'ed to another arbitration organization if you and we agree in writing or to an arbitrator appointed pursuant to section 5 of the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (FAA). We will not elect arbitration for any Gaim you file in small Gaims court, so long as the claim is individual and pending only in that court. You or we may otherwise elect to arbitrate any claim at any time unless it has been filed in court and trial has begun or final judgment has been entered. Either you or we may delay enforcing or not exercise rights under this Arbitration provision, including the right to arbitrate a claim, without waiving the right to exercise or enforce those rights. Limitations on Arbitration If either party elects to resolve a claim by arbitration, that claim will be arbitrated on an individual basis. There will 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 is limited to Gaims between you and us alone. Claims may not be joined or consolidated unless you and we agree in writing. An arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to enforce the award. Notwithstanding any other provision and without waiving the right to appeal such decision, if any portion of these Limitations on Arbitration is deemed invalid or unenforceable, then the entire Arbitration provision (other than this sentence) will not apply. Arbitration Procedures This Arbitration provision is governed by the FAA. The arbitrator will apply applicable substantive law, statutes of limitations and privileges. The arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to evidence or discovery. Subject to the Limitations on Arbitration, the arbitrator may otherwise award any relief available in court. The arbitration will be confidential, but you may notify any government authority of your claim. If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, through a telephonic hearing, or by an in-person hearing. At any party's request, the arbitrator will provide a brief written explanation of the award. The arbitrator's award will be final and binding, except for any right of appeal provided by the FAA; however, any party will have 30 days to appeal the award by notifying the arbitration organization and all parties in writing. The organization will appoint athree-arbitrator panel to decide anew, by majority vote based on written submissions, any aspect of the decision objected to. Judgment upon any award may be entered in any court having jurisdiction. At your election, arbitration hearings will take place in the federal judicial district of your residence. SAR02 BP/ARBTCLM/1012 JENNIFER LEONARD Account Ending 1-71003 p. 12!12 Arbitration Fees and Costs You will be responsible for paying your share of any arbitration fees (including filing, administrative, hearing or other fees), but only up to the amount of the filing fees you would have incurred if you had brought a claim in court. We will be responsible for any additional arbitration fees. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Additional Arbitration Awards If the arbitrator rules in your favor for an amount greater than any final offer we made before arbitration, the arbitrator's award will include: (1) any money to which you are entitled, but in no case less than $5,000; and (2) any reasonable attorneys' fees, costs and expert and other witness fees. Your Right to Reject Arbitration You may reject this Arbitration provision by sending a written rejection notice to us at: American Express, P.O. Box 981556, EI Paso, TX 79908. Go to amer9canexpress.com/reject for a sample rejection notice. Your rejection notice must be mailed within 45 days after your first card purchase, or by February 15, 2073, whichever is later. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. No one else may sign the rejection notice. If your rejection notice complies with these requirements, this Arbitration provision and any other arbitration provisions in the cardmember agreements for any other currently open American Express accounts you have will not apply to you, except for Corporate Card accounts and any claims subject to pending litigation or arbitration at the time you send your rejection notice. Rejection of this Arbitration provision will not affect your other rights or responsibilities under this Claims Resolution section or the Agreement. Rejecting this Arbitration provision will not affect your ability to use your card or any other benefit, product or service you may have with your Account. Continuation This section will survive termination of your Account, voluntary payment of your Account balance, any legal proceeding to collect a debt, any bankruptcy and any sale of your Account (in the case of a sale, its terms will apply to the buyer of your Account). If any portion of this Claims Resolution section, except as otherwise provided in the Limitations on Arbitration subsection, is deemed invalid or unenforceable, it will not invalidate the remaining portions of this Claims Resolution section. SARO2 BP/ARBTCLM/1012 Blue Cash® from American Express JENNIFER LEONARD Closing Date 09/07/12 New Balance $12,411.07 Minimum Payment Due $697.00 Includes the past due amount of 5366.00 Payment Due Date 10/02/12 Late Payment Warning: If we do not receiveyourMinimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee of up to $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will payoff the balance And you will pay an charges and each month you shown on this statement in estimated total of... pay... about... Onlythe Minimum Payment Due 30 years 29,177 If you would like information about credit counseling services, call 1-888-733-4139 See page 2 for important information about your account. © Your account is past due and overlimit. Pay at least 697.00, plus any additional charges incurred on your account since the date of this billing statement. If you would like to receive a-mail alerts about payments, spending or fraud protection, you can sign up at americanexpress.com/alerts. + Please fold on the perforation below, detach and return with your payment + p. 115 Account Ending 1-71003 Blue Cash Rewards as of Aug 2012 14.97 ^ For details, please see your -~ Reward Dollar Summary Account Summary Previous Balance $12,202.02 Payments/Credits -$0.00 New Charges +$0.00 Fees +$35.00 I nterest Charged +$174.05 ---- _- New Balance ;12,411.07 Minimum Payment Due ;697.00 Credit Limit $12,400.00 Available Credit $0.00 Cash Advance Limit $200.00 Available Cash $0.00 Days in Billing Period: 30 Customer Care ~~ Pay by Computer americanex press.com/pbc Customer Care Pay by Phone 1-888-258-3741 1-800-472-9297 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 JENNIFER LEONARD 17 RASPBERRY DR MECHANICSBURG PA 17050-2793 ~ni~~~ur~~~nu~~~~~~uu~~i~~ni~~i~uu~~nn~~~u~~~u~~~ Account Ending 1-71003 Enter account number on all documents. Make check payable to American Express. Payment Due Date 10/02/12 New Balance #12,411.07 Minimum Payment Due #697.00 AMERICAN EXPRESS Check here if your addressor P.O. BOX 1270 phone numberhaschanged. NEWARK NJ 07101-1270 Note changes on reverse side. Ill~r~'rr~I~~~lll~~~~~~r'I~~~II~~'~II~~~"I~~~II~~II'~~~~'~~II 0000349990603459142 001241107000069700 04 ri Amount Enclosed JENNIFER LEONARD Account Ending 1-71003 p. 215 Payments: Your payment must be sent to the payment address shown on your statement and must be received by 5 p.m. local time at that addressto be credited as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearablethrough the US banking system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment feesand additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearablethrough the US banking system. Ifwe accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unlessa particular rate is required by law. Please do not send post-dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will have no effect on us without our express prior written approval. We will re-presentto your financial institution any payment that is returned unpaid. Permissionfor Electronic Withdrawal: (1) When you send a check for payment, you give us permission to eledronicallywithdrawyourpayment from your deposit or other asset account. We will process checks electronically by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, unlessthe check is not processable electronically or a less costly process is available. When we process your check electronically, your payment may be withdrawn from your deposit or other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your deposit or other assetaccount statement. Ifwe cannot collect the funds electronically we may issue a draft against your deposit or other asset account for the amount of the check. (2) By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you give us permission to electronically withdraw funds from the deposit or other asset account you specify in the amount you request. Payments using such services of ours received after 8:00 p.m. MST may not be credited until the next day. How We CalculateYour Balance: We use the Average Daily Balance (ADB) method (including new transactions) to calculate the balance on which we charge interest on your Account. Call the Customer Service number listed below for more information about this balance computation method and how resulting interest charges are determined. The method we use to figure the ADB and interest results in dailycompoundingof interest. Paying Interest: Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchases if you pay the New Balance by the due date each month. We will charge you interest on cash advances and (unless otherwisectisclosed) balance transfers beginning on the transaction date. Foreign Currency Charges: If you make a Charge in a foreign currency, we will convert it into US dollars on the date we or our agents process it. We will charges fee of 2.7% of the converted US dollaramount. We will choose a conversion rate that is acceptable to us for that date, unless a particular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest interbank rate we identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the date of your charge. Charges converted by establishments (such as airlines)will be billed at the rates such establishments use. Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is 31.00 or more. Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Customer Care & Billing Inquiries 1-888-258-3741 Hearing Impaired International Collect 1-336-393-1111 1TY:1-800-221-9950 Large Print & Braille Statements 1-888-258-3741 FAX:1-800-695-9090 Express Cash 1-800-CASH-NOW InNY:1-800-522-1897 Change of Address If correct on front, do not use. • To change your address online, visit www.americanexpress.com/updatecontactinfo • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. • Please print clearly in blue or black ink only in the boxes provided. Street Address City, State Zip Code Area Code and Home Phone Area Code and Work Phone Email Website: americanexpress.com Mobile Site: amexmobile.com Customer Care & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998-1535 07101-1270 Pay Your Bill with AutoPay • Avoid late fees • Save time Deduct your payment from your bank account automaticallyeach month Visit americanexpress.com/autopsy today to enroll. For information on how we protect your privacy and to set your communication and privacy choices, please visit wwwamericanexpress.com/privaq. ~ER,~, Blue Cash® from American Express p. s/5 EXPRESG JENNIFER LEONARD Closing Date 09/07/12 Account Ending 1-71003 Fees Amount 09/02/12 Late Payment Fee $35.00 Total Fees for this Period $35.00 Interest Charged Amount 09/07/12 Interest Charge on Purchases $174.05 Total Interest Chargedfor this Period $174.05 2012 Fees and Interest Totals Year-to-Date Amount Total Fees in 2012 $60.00 Totallnterestin 2012 $878.46 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 Purchases 17.24% (v) S 12,291.73 $174.05 Cash Advances __ 25.24%(v) $0.00 50.00 Total $174.05 (v) Variable Rate JENNIFER LEONARD Account Ending 1-71003 p. 4/5 p. 5/5 JENNIFER LEONARD Closing Date 09!07/12 Account Ending 1-71003 Reward Dollar Summary Total Reward Dollars as of Aug 2012 Billing Period 14.97 Beainnina Reward Dollar Balance +14.97 Reward Dollars Earned* +0.00 Total Reward Dol lar Balance +14.97 Reward Dollars Earned this period are pending until the minimumdue is paid and your account is in good standing. Base Reward Dollars As of Aug 20126illing Period Qualified Spend; Reward Dollars GAS $0.00 @1% 0.00 GROCERY E0.00 Ca)1% 0.00 DRUGSTORE $0.00 @1% 0.00 Everywhere Else $0.00 @0.5% 0.00 Total ;0.00 0.00 Total Qualified5pendThis Reward Year ;1,384.51 Important Messages Since your account was in default, you did not receive your base Reward Dollarsfor the billing period ending Aug 2012. Terms and Conditions You will receive Blue Cash Reward Dollars (Reward Dollars) for eligible purchases. The number of Reward Dollars you will receive each billing period is based on a percentage of the dollar amount of your eligible purchasesduringthe billing period. The reward percentage is based on the type of purchase and your prior spend during the reward year at the time of purchase as follows: You will receive a reward of 1 % on everyday purchases, described below, and a reward of 0.5% on all other types of eligible purchases, on your first $6,500 of eligible purchases in the 12 billing periods in a row beginning with the one in which the anniversaryof your Card account occurs (reward year). For eligible purchases of $6,500.01 or more, the reward is 5.0% for everyday purchases and 1.25% for all other eligible purchases. EverydayPurchases are eligible purchases made at the following categories of U.S. merchants that are not departments of superstores or warehouse clubs: supermarkets drug stores, and automobile gasoline stations (up to $400 for each purchase of automobile gasoline). Eligible Purchasesare charges to your account for goods or servicesthat have not been returned or otherwise credited to your account. Eligible purchases do not include fees or interest charges, balance transfers,cash advances, purchases of American Express®Travelers Cheques, purchases or reloading of American Express prepaid cards or purchases of other cash equivalents. You can redeem Reward Dollarsfor statement credits in increments of 25 whenever your total available reward dollar balance is 25 or more. We may at our option offer you other ways to redeem your Reward Dollars such asforgift cards or merchandise.The minimum redemption is 25 Reward Dollars.Only your eligible purchasesfor personal, familyor household use will count toward eligible purchases. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Reward Dollars. Additional terms and conditions apply. AMER~CAPJ i Blue Cash® from American Express ExPRES~ ~` JENNIFER LEONARD Closing Date 08/08/12 New Balance $12,202.02 Minimum Payment Due $366.00 Includes the past due amount of $244.00 ', Payment Due Date 09/02/12 Late Payment Warning: You are currently enrolled in a payment plan. If you complete or are removed from the plan for any reason, and we do not receive your Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee of up to $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay offthe balance And you will pay an charges and each month you shown on this statement in estimated total of... pay... about... Only the 23 years 27,451 Minimum Payment Due 14,725 409 3 years (Savings= 12,726) If you would like information about credit counseling services, call 1-888-733-4139. See page 2 for important information about your account. Q WARNING: Your account is seriously past due. Please pay immediately. Continued delinquency negatively impacts your credit report and score. See Page 6 for Important Information Regarding Benefits Underwritten by AMEX Assurance Company. Continued on Page 3 + Please fold on the perforation below, detach and return with your payment + p. 1/9 Account Ending 1-71003 Blue Cash Rewards as of Jul 2012 14.97 ^ For details, please see your ~ Reward Dollar Summary Accoum summary Previous Balance __ $12,202.02 Payments/Credits -$0.00 New Charges +E0.00 Fees +$0.00 Interest Charged +$0.00 New Balance ;12,202.02 Minimum Payment Due $366.00 Credit Limit $12,400.00 Available Credit 5197.98 Cash Advance Limit $200.00 Avai table Cash $197.98 Days in Billing Period: 31 Customer Care Co Pay by Computer americanexpress.com/pbc Customer Care Pay by Phone 1-888-258-3741 1-800-472-9297 See Page 2 for additional information ® Payment Coupon ~ Pay by Computer ~ Pay by Phone Do not staple or use paper clips americanexpress.com/pbc 1-800-472-9297 JENNIFER LEONARD 17 RASPBERRY DR MECHANICSBURG PA 17050-2793 ~ui~~~ui~~~nu~t~~~~nnr~i~~n~~~i~uu~~un~~~ni~~u~i~ Account Endingl-71003 Enter account number on all documents. Make check payable to American Express. Payment Due Date 09/02/12 New Balance X12,202.02 Minimum Payment Due S366.00 AMERICAN EXPRESS P.O. BOX 1270 Check here if your addressor NEWARK NJ 07101-1270 phone number has changed. Note changes on reverse side. Ill~~~lrr~l~~~'~II~~~~~~IIr~~II~~'~~~~~~III~~~I~~~III11~~I~~II 0000349990603459142 001220202000036600 04 ri S Amount Enclosed JENNIFER LEONARD Account Ending 1-71003 p. 219 Payments: Your payment must be sent to the payment address shown on your statement and must be received by 5 p.m. local time at that addressto be credited as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearablethrough the US banking system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment feesand additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearablethrough the US banking system. Ifwe accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unlessa particular rate is required by law. Please do not send post-dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will have no effect on us without our express prior written approval. We will re-present to your financial institution any payment that is returned unpaid. Permissionfor Electronic Withdrawal: (1) When you send a check for payment, you give us permission to electronicallywithdraw your payment from your deposit or other asset account. We will process checks electronically by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, unlessthe check is not processable electronicallyor a less costly process is available. When we process your check electronically, your payment may be withdrawn from your deposit or other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your deposit or other asset account statement. Ifwe cannot collect the funds electronically we may issue a draft against your deposit or other asset account for the amount of the check. (2) By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you give us permission to electronically withdraw funds from the deposit or other assetaccount you specify in the amount you request. Payments using such services of ours received after 8:00 p.m. MST may not be credited until the next day. How We CalculateYour Balance: We use the Average Daily Balance (ADB) method (including new transactions)to calculate the balance on which we charge interest on your Account. Call the Customer Service number listed below for more information about this balance computation method and how resulting interestchargesaredetermined. The method we use to figure the ADBandinterestresultsindailycompoundingofinterest. Paying Interest: Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchases if you pay the New Balance by the due date each month. We will charge you interest on cash advances and (unless otherwisectisclosed) balance transfers beginning on the transaction date. Foreign Currency Charges: If you make a Charge in a foreign currency, we will convert it into US dollars on the date we or our agents process it. We will charge a fee of 2.7%of the converted US dollaramount. We will choose a conversion rate that is acceptable to us for that date, unless a particular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest interbank rate we identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the date of your charge. Charges converted by establishments (such as airlines)will be billed at the rates such establishmentsuse. Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. Ifwithin the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is 51.00 or more. Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Customer Care & Billing Inquiries 1-888-258-3741 Hearing Impaired International Collect 1-336-393-1111 7TY:1-800-221-9950 Large Print & Braille Statements 1-888-258-3741 FAX:1-800-695-9090 Express Cash 1-800-CASH-NOW In NY:1-800-522-1897 Changeof Address If correct on front, do not use. • To change your address online, visit vavow.americanexpress.com/updatecontactinfo • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. • Please print clearly in blue or black ink only in the boxes provided. Street Address City, State Zip Code Area Code and Home Phone Area Code and Work Phone Email Website: americanexpress.com Mobile Site: amexmobile.com Customer Care & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PA50, TX NEWARK NJ 79998-1535 07101-1270 Pay Your Bill with AutoPay • Avoid late fees • Save time Deduct your payment from your bank account automaticallyeach month Visit americanexpress.com/autopa~ today to enroll. For information on how we protect your privacy and to set your communication and privacy choices, please visit www.americanexpress.comlprivacy. Blue Cash® from American Express JENNIFER LEONARD Closing Date 08/08/12 p. 3!9 Account Ending 1-71003 FILL VP WITH MORE THAN ~~p~~*~~~~ JUST Fu EL ,, ~~, ~~ `~, USE YOUR AMERICAN EXPRESS'CARD AT MFUOR GAS STATIONS ALL OVER TOWN AND EARN REWARDS THAT CAN REALLY TAKE YOU PLACES. EXPLORE MORE GREAT PLACES TO USE YOUR CARD AT AMEXNETWORK.COM/WELCOME Amount Total Fees for this Period 30•~ Interest Charged Amount Total Interest Chargedfor this Period $0.00 2012 Fees and Interest Totals Year-to-Date Amount Total Fees in 2012 $25.00 Total Interest in 2012 $704.41 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance5ubject Interest Percentage Rate to Interest Rate Charge Purchases 9.99% $0.00 $0.00 Cash Advances _ _ 9.99°rb $0.00 $0.00 Total 30.00 JENNIFER LEONARD Account Ending 1-71003 P• 4~9 p. 5/9 JENNIFER LEONARD Closing Date 08/08/12 Account Ending 1-71003 Reward Dollar Summary Total Reward Dollars as of Jul 2012 Billing Period 14.97 Beginning Reward Dollar Balance +14.97 Reward Dollars Earned" +0.00 Total Reward Dollar Balance +14.97 *Reward Dollars Earned this period are pending until the minimumdue is paid and your account is in good standing. Base Reward Dollars As of Jul 2012 Billing Period Qualified Spend S Reward Dollars GAS #0.00 @1% 0.00 GROCERY #0.00 @1~i6 0.00 DRUGSTORE #0.00 Ca11% 0.00 Everywhere Else #0.00 @0.5% 0.00 Total _ 50.00 0.00 Total Qualified Spend This Reward Year 51,384.51 Important Messages Since your account was in default, you did not receive your base Reward Dollars forthe billing period ending Jul 2012. Terms and Conditions You will receive Blue Cash Reward Dollars (Reward Dollars) for eligible purchases. The number of Reward Dollars you will receive each billing period is based on a percentage of the dollar amount of your eligible purchases during the billing period. The reward percentage is based on the type of purchase and your prior spend during the reward year at the time of purchase as follows: You will receive a reward of 1 % on everyday purchases, described below, and a reward of 0.5% on all other types of eligible purchases, on your first #6,500 of eligible purchases in the 12 billing periods in a row beginning with the one in which the anniversaryof your Card account occurs (reward year). For eligible purchases of #6,500.01 or more, the reward is 5.0% for everyday purchases and 1.25% for all other eligible purchases. EverydayPurchases are eligible purchases made at the following categories of U.S. merchants that are not departments of superstores or warehouse clubs: supermarkets,drug stores, and automobile gasoline stations (up to #400 for each purchase of automobile gasoline). Eligible Purchases are charges to your account for goods or services that have not been returned or otherwise credited to your account. Eligible purchases do not include fees or interest charges, balance transfers, cash advances, purchases of American Express®Travelers Cheques, purchases or reloading of American Express prepaid cards or purchases of other cash equivalents. You can redeem Reward Dollarsfor statement credits in increments of 25 whenever your total available reward dollar balance is 25 or more. We may at our option offer you other ways to redeem your Reward Dollars, such as for gift cards or merchandise.The minimum redemption is 25 Reward Dollars.Only your eligible purchasesfor personal, family orhousehold use will count toward eligible purchases. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Reward Dollars. Additional terms and conditions apply. JENNIFER LEONARD Account Ending 1-71003 P~ 6/9 Blue Cash° from American Express Notice of Change to Your Travel Accident Insurance Policy We are making Important Changes to your insurance policies ("Policies") underwritten by AMEX Assurance Company. We are increasing the age limit for dependents covered by the Travel Accident Insurance for Cardmembers in the following states: DC, HI, ID, IN, LA, MA, NY, and VA. The age limit varies by state. For PA residents, the general terms of your coverage have been revised to include provisions required in your state. Please refer to the Riders for each applicable state. This change becomes effective on the date indicated below, whether or not you receive a billing statement. This Notice formally amends your Policies, and any contrary or conflicting language in those Policies is replaced fully and completely. All terms of the Policies not amended herein remain in full force and effect. You should carefully review these changes, share them with any Additional Cardmembers on your Account, and then keep this Notice for future reference. If you have questions regarding this Notice, please call the telephone number listed on the back of your American Express Card. Applicable for Residents of the states of Idaho, Virginia, DC, Hawaii, and Massachusetts for Travel Accident Insurance: The definition of Covered Person from the DEFINITIONS section is replaced with the following: Covered Person means the Basic Cardmember, each Additional Cardmember, and each of these Cardmember's spouses or Domestic Partners and dependent children under 26 years of age (dependent children include: your unmarried, dependent children under 26 years of age who rely on You for support and maintenance, your unmarried dependent children 26 years or older who because of a handicap condition that occurred before the attainment of the limiting age, are incapable of self-sustaining employment and dependent upon You for lifetime care and supervision. Coverage will be extended for as long as such child is incapacitated, unmarried and dependent.). TAI-RDR1-Multi 04/10, TAI-RDR1-DC 04/11, TAI-RDR1-HI 07/10 and TAI-RDRI-MA 11/10. Applicable for Residents of the state of Hawaii for Travel Accident Insurance: Domestic Partner means persons of the same or opposite gender who have entered into a reciprocal beneficiary relationship pursuant to Hawaii statutes. TAI-RDRI-HI 07/10 Applicable for Residents of the state of Indiana for Travel Accident Insurance: The definition of Covered Person from the DEFINITIONS section is replaced with the following: Covered Person means the Basic Cardmember, each Additional Cardmember, and each of these Cardmember's spouses or Domestic Partners and dependent children under 26 years of age (dependent children include: your dependent children under 26 years of age, your dependent children 26 years or older who because of a handicap condition that occurred before the attainment of the limiting age, are incapable of self-sustaining employment and dependent upon You for lifetime care and supervision. Coverage will be extended for as long as such child is incapactated, unmarried and dependent.). TAI-RDRI-IN 07/10 Applicable for Residents of the state of Louisiana for Travel Accident Insurance: The definition of Covered Person from the DEFINITIONS section is replaced with the following: Covered Person means the Basic Cardmember, each Additional Cardmember, and each of these Cardmember's spouses and dependent children under 26 years of age (dependent children include: your dependent children under 26 years of age who rely on You for support and maintenance, your dependent children 26 years or older who because of a handicap condition that occurred before the attainment of the limiting age, are incapable of self-sustaining employment and dependent upon You for lifetime care and supervision. Coverage will be extended for as long as such child is incapacitated and dependent.). The definition of Domestic Partner is hereby removed from the Definitions section of the Description of Coverage. Additionally all references to Domestic Partner are hereby removed from the Description of Coverage. By Title Date TAI-RDRI-LA 10/18/10 Applicable for Residents of the State of Massachusetts for Travel Accident Insurance: The following is hereby added to and made part of the Description of Coverage: This Policy, alone, does not meet Minimum Cred"gable Coverage standards and will not satisfy the individual mandate that you have health insurance. As of January 1 2008, the Massachusetts Health Care Reform Law requires that Massachusetts residents, eighteen (18) years of age and older, must have health coverage that meets the Minimum Creditable Coverage standards set by the Commonwealth Health Insurance Connector, unless waived from the health insurance requirerr~nt based on affordability or individual hardship. For more information call the Connector at 1-877-MA-ENROLL or visit the Connector website (www.mahealthconnector.oral. This plan is not intended to provide comprehensive health care coverage and does not meet Minimum Creditable Coverage standards, even if it does include services that are not available in the insured's other health plans. TAI-RDRI-MA 11/10. SAT82 BP/AACTAIO/0812 Blue Cash® from American Express JENNIFER LEONARD Closing Date 08/08/12 p. 7/9 Account Ending 1-71003 Applicable for Residents of the state of New York for Travel Accident Insurance: The definition of Covered Person from the DEFINITIONS section is replaced with the following: Covered Person means the Basic Cardmember, each Additional Cardmember, and each of these Cardmember's spouses or Domestic Partners and dependent children. Spouse includes the person to whom you are married, including your same-sex partner in your marriage that was legally pertormed in another jurisdiction. Dependent children includes: 1. Unmarried, dependent children under age 29 who rely on the insured for support and maintenance; 2. Unmarried dependent children 29 years or older who, because of a handicap condition or disability that occurred before the attainment of the limiting age, are incapable of self-sustaining employment and are dependent upon a parent or other care provider for lifetime care and supervision. Coverage will be extended for as long as such child is incapacitated, unmarried and dependent. 3. Natural, adopted and stepchildren of the insured who are chiefly financially dependent on the insured for support and maintenance, and 4. An adopted child or a child in the custody of the insured pursuant to an interim court order of adoption vesting temporary care of the child in the insured, regardless of whether a final order granting adoption is ultimately issued. The definition of Domestic Partner from the DEFINITIONS section is replaced with the following: "Domestic Partner means persons of the same or opposite gender who can provide Us with proof of the domestic partnership and financial interdependence in the form of: A.Registration as a domestic partnership indicating that nefther individual has been registered as a member of another domestic partnership within the last six months, where such registry exists, or B.For partners residing where registration does not exist, by an alternative affidavit of domestic partnership as follows: 1.The affidavit must be notarized and must contain the following: a. The partners are both eighteen years of age or older and are mentally competent to consent to contract. b. The partners are not related by blood in a manner that would bar marriage under laws of the State of New York c. The partners have been living together on a continuous basis prior to the date of the application; and 2.Proof of cohabitation (e.g., a driver's license, tax return or other sufficient proof); and 3.Proof that the partners are financially interdependent. Two or more of the following are collectively sufficient to establish financial interdependence: a. A joint bank account; b. A joint credit card or charge card; c. Joint obligation on a loan; d. Status as an authorized signatory on the partner's bank account, credft card or charge card; e. Joint ownership of holdings or investments; f. Joint ownership of residence; g. Joint ownership of real estate other than residence; h. Listing of both partners as tenants on the lease of the shared residence; i. Shared rental payments of residence (need not be shared 50/50); j. Listing of both partners as tenants on a lease, or shared rental payments, for property other than residence; k. A common household and shared household expenses, e.g., grocery bills, utility bills, telephone bills, etc. (need not be shared 50/50); I. Shared household budget for purposes of receiving government benefits; m. Status of one as representative payee for the other's government benefts; n. Joint ownership of major items of personal property (e.g., appliances, furniture); o. Joint ownership of a motor vehicle; p. Joint responsibility for child care (e.g., school documents, guardianship); q. Shared child-care expenses, e.g., babysitting, day care, school bills (need not be shared 50/50); r. Execution of wills naming each other as executor and/or beneficiary; s. Designation as beneficiary under the other's life insurance policy; t. Designation as beneficiary under the other's retirement benefits account ; u. Mutual grant of durable power of attorney; v. Mutual grant of authority to make health care decisions (e.g., health care power of attorney); w. Affidavit by creditor or other individual able to testify to partners' financial interdependence; x. Other item(s) of proof sufficient to establish economic interdependency under the circumstances of the particular case. " The EXCLUSION section is removed and replaced with the following: EXCLUSIONS This Policy does not cover any loss caused or contributed to by, directly or indirectly, wholly or partially: 1.suicide, attempted suicide or intentionally self-inflicted injury; 2. war or any act of war, whether declared or undeclared; participation in a felony, riot or insurrection; service in the Armed Forces or units auxiliary thereto; 3. 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; 4. sickness, except for an infection that was the result of an Injury; 5. mental or emotional disorder; 6. pregnancy, except complications of pregnancy and except to the extent coverage is required pursuant to Section 3221 of the New York Insurance Law; or 7. the consequence of the Covered Person's being intoxicated or under the influence of any narcotic unless administered on the advice of a Physician. The following items are hereby removed from the TERMINATION or CANCELLATION section: the date the Covered Person no longer maintains a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands; the date We determine that the Covered Person or someone on the Covered Persons' behalf intentionally misrepresented or fraud occurred; and replaced with: 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; TAI-RDR2-NY 06/11 Applicable to residents of the state of Pennsylvania for Travel Accident Insurance: The Description of Coverage section is removed and replaced with the following: For Accidental Death the Company will pay the applicable benefit amount as determined from the Table of Losses for the benefits listed below if a Covered Person suffers a loss from an Injury while coverage is in force under the Policy. For Dismemberment the Company will pay the applicable benefit amount as determined from the Table of Losses for the benefits listed below if a Covered Person suffers a loss from an Injury while coverage is in force under the Policy if such loss occurs within 100 days after the date of the Accident which caused the Injury. Benefits will be paid for the greatest loss. In no event will the Company pay for more than one loss sustained by the Covered Person as the result of any one Accident. TAIRDR10612PA SAT82 BP/AACTAIO/0812 JENNIFER LEONARD Account Ending 1-71003 p. 8/9 AMERICAI\! Blue Cash® from American Express ~1- EXPRESS 5' JENNIFER LEONARD Closing Date 08/08/12 p. 9/9 Account Ending 1-71003 Backyard BBQs. Must-see blockbusters. Sync for an amazing summer. Securely sync your eligible American Express® Card with Facebook, foursquare or Twitter for great offers from several top brands all summer long! Visit sync.americanexpress.com or scan the code below to get started. a~~ v r sync.americanexpress.com Offers are made onl~to Cardmembers who meet certain qualifying criteria. By rn~nnr~rlinn ~in~~ ~~~ill s rli~nlncinn fn •I~n es~n~nh~n4 4he• ~in~~ mnn4 4 ecn ~ri4nri~ Blue Cash® from American Express JENNIFER LEONARD Closing Date 07/08/12 New Balance $12,202.02 Minimum Payment Due $244.00 Includes the past due amount of $122.00 Payment Due Date 08/02/12 Late Payment Warning: You are currently enrolled in a payment plan. If you complete or are removed from the plan for any reason, and we do not receive your Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee of up to $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay offthe balance And you will pay an charges and each month you shown on this statement in estimated total of... pay... about... Onlythe 23 years 27,449 Minimum Payment Due 14,560 404 3 years (Savings = 12,889) 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 past due. Please pay immediately. Further delinquency will be reported to credit reporting agencies. Continued on Page 3 + Pleasefold on the perforation below, detach and return with your payment + p. to Account Ending 1-71003 Blue Cash Rewards as of Jun 2012 14.97 ^ For details, please see your ~ Reward Dollar Summary Account Summary Previous Balance $12,202.02 Payments/Credits -E0.00 New Charges +$0.00 Fees +$0.00 Interest Charged +$0.00 ~ew Balance ;12,202.02 Minimum Payment Due ;244.00 Credit Limit $12,400.00 Available Credit $197.98 Cash Advance Limit $200.00 Available Cash $197.98 Days in Billing Period: 31 Customer Care Pay by Computer america nexpress.com/pbc Customer Care Pay by Phone 1-888-258-3741 1-800-472-9297 See Page 2 for additional information ® Payment Coupon ~ Pay by Computer ~ Pay by Phone Do not staple or use paper clips americanexpress.com/pbc 1-800-472-9297 JENNIFER LEONARD 4940 S WENDLER DR STE 101 TEMPE AZ 85282-6312 ~~n~u~i~ni~i~~n~u~~i~i~~nn~~un~~n~i~u~i~i~~ui~i~i~ Account Endingl-71003 Enter account number on all documents. Make check payable to American Express. Payment Due Date 08/02/12 New Balance ;12,202.02 Minimum Payment Due X244.00 AMERICAN EXPRESS ^ Check here if your addressor BOX 0001 phone number has changed. LOS ANGELES CA 90096-8000 Note changes on reverse side. II~I~~II~~~II~~~I~I~~~II~~I~~I~II~~~II~~~II~~~II~~~~~~III„III 0000349990603459142 001220202000024400 04 ri S Amount Enclosed JENNIFER LEONARD Account Ending 1-71003 p. 217 Payments: Your payment must be sent to the payment address shown on your statement and must be received by 5 p.m. local time at that addressto be credited as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearablethrough the US banking system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment feesand additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearablethrough the US banking system. If we accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unlessa particular rate is required by law. Please do not send post-dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will have no effect on us without our express prior written approval. We will re-present to your financial institution any payment that is returned unpaid. Permission for Electronic Withdrawal: (1) When you send a check for payment, you give us permission to electronically withdraw your paymentfrom your deposit or other asset account. We will process checks electronically by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, unlessthe check is not processable electronically or a less costly process is available. When we process your check electronically, your payment may be withdrawn from your deposit or other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your deposit or other assetaccount statement. If we cannot collect the funds electronically we may issue a draft against your deposit or other asset account for the amount of the check. (2) By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you give us permission to electronically withdraw funds from the deposit or other asset account you specify in the amount you request. Payments using such services of ours received after 8:00 p.m. MST may not be credited until the next day. How We Calculate Your Balance: We use the Average Daily Balance (ADB) method (including new transactions)to calculate the balance on which we charge interest on your Account. Call the Customer Service number listed below for more information about this balance computation method and how resulting interest charges are determined. The method we use to figure the ADB andinterestresultsindailycompoundingofinterest. Paying Interest: Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchases if you pay the New Balance by the due date each month. We will charge you interest on cash advances and (unless otherwisedlsclosed) balance transfers beginning on the transaction date. Foreign Currency Charges: If you make a Charge in a foreign currency, we will convert it into US dollars on the date we or our agents process it. We will charge a fee of 2.7% of the converted US dollaramount. We will choose a conversion rate that is acceptable to us for that date, unless a particular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest interbank rate we identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the date of your charge. Charges converted by establishments (such as airlines)will be billed at the rates such establishments use. Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is 51.00 or more. Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Customer Care & Billing Inquiries 1-888-258-3741 Hearing Impaired International Collect 1-336-393-1111 1TY:1-800-221-9950 Large Print & Braille Statements 1-888-258-3741 FAX:1-800-695-9090 Express Cash 1-800-CASH-NOW InNY:1-800-522-1897 Changeof Address If correct on front, do not use. • To change your address online, visit wv~nv.americanexpress.com/updatecontactinfo • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. • Please print clearly in blue or black ink only in the boxes provided. Street Address City, State Zip Code Area Code and Home Phone Area Code and Work Phone Email Website: americanexpress.com Mobile Site: amexmobile.com Customer Care & Billing Inquiries Payments P.O. BOX 981535 BOX 0001 EL PASO, TX LOS ANGELES CA 79998-1535 90096-8000 Pay Your Bill with AutoPay • Avoid late fees • Save time Deduct your payment from your bank account automatically each month Visit americanexpress.com/autopsy today to enroll. For information on how we protect your privacy and to set your communication and privacy choices, please visit vrww.america nezpress.com/privacy. ;_,:;~~,~,~` Blue Cash® from American Express i~h?RE55 JENNIFER LEONARD Closing Date 07/08/12 p. 3!7 Account Ending 1-71003 ^ ^ Use your smartphone to see the benefits that come with your Card Scan the QR code to download our mobile app or visit americanexpress.com/mobile on your PC to learn more. Fees Amount Total Fees for this Period $0.00 Interest Charged Amount Total Interest Charged for this Period $0.00 2012 Fees and Interest Totals Year-to-Date Amount Total Fees in 2012 $25.00 Total Interest in 2012 $704.41 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate Balance Subject to Interest Rate Interest Charge Purchases 9.99% $0.00 $0.00 Cash Advances 9.99% $0.00 $0.00 Total --- ---- --- ;0.00 JENNIFER LEONARD Account Ending 1-71003 p. 4/7 p. 5/7 JENNIFER LEONARD Closing Date 07/08/12 Account Ending 1-71003 Reward Dollar Summary Total Reward Dollars as of Jun 2012 Billing Period 14.97 Beginning Reward DolfarBalance +14.97 Reward Dollars Earned* Total Reward Dollar Balance +14.97 *Reward Dollars Earned this period are pending until the minimumdue is paid and your account is in good standing. +0.00 Base Reward Dollars As of Jun 2012 Billing Period Qualified Reward Dollars GAS $0.00 @1% 0.00 GROCERY $0.00 @1°r6 0.00 DRUGSTORE $0.00 @1% 0.00 Everywhere Else $0.00 @0.5% 0.00 Total 50.00 0.00 Total Qualified SpendThis Reward Year 57,384.51 Important Messages Visit americanexpress.com/rewarddollars to redeem for cash back, gift cards, and merchandise. Redemptions start at just 25 Reward Dollars. Remember to pay at least the Minimum Payment Due, by the Payment Due Date, to be eligible to earn or redeem reward dollars and to avoid late fees. Terms and Conditions You will receive Blue Cash Reward Dollars (Reward Dollars) for eligible purchases. The number of Reward Dollarsyou will receive each billing period is based on a percentage of the dollar amount of your eligible purchases during the billing period. The reward percentage is based on the type of purchase and your prior spend during the reward year at the time of purchase as follows: You will receive a reward of 1 % on everyday purchases, described below, and a reward of 0.5% on all other types of eligible purchases, on your first $6,500 of eligible purchases in the 12 billing periods in a row beginning with the one in which the anniversaryof your Card account occurs (reward year). For eligible purchases of $6,500.01 or more, the reward is 5.0% for everyday purchasesand 1.25%for all other eligible purchases. EverydayPurchases are eligible purchases made at the following categories of U.S. merchants that are not departments of superstores or warehouse clubs: supermarkets drug stores, and automobile gasoline stations (up to $400 for each purchase of automobile gasoline). Eligible Purchasesare charges to your account for goods or servicesthat have not been returned or otherwise credited to your account. Eligible purchases do not include fees or interest charges, balance transfers, cash advances, purchases of American Express®Travelers Cheques, purchases or reloading of American Express prepaid cards or purchases of other cash equivalents. You can redeem Reward Dollarsfor statement credits in increments of 25 whenever your total available reward dollar balance is 25 or more. We may at our option offer you other ways to redeem your Reward Dollars, such asfor gift cards or merchandise.The minimum redemption is 25 Reward Dollars.Only your eligible purchasesfor personal,family orhousehold use will count toward eligible purchases. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Reward Dollars. Additional terms and conditions apply. JENNIFER LEONARD Account Ending 1-71003 p. 6/7 Blue Cash° from American Express JENNIFER LEONARD Closing Date 07/08/12 p. 7/7 Account Ending 1-71003 Offers are made onl~to Cardmembers who meet certain qualifying criteria. By r~C MAndiY~r~ vnn mill o di~nlncinn 4n 41+n mn~nh~n4 •1-~4 vn~~ w+nn1 4 ncn n~ifn ri7 AMER{[AN Blue Cash® from American Express EXPRESS a JENNIFER LEONARD Closing Date 06/07/12 New Balance $12,202.02 Minimum Payment Due $122.00 Payment Due Date 07/02/12 Late Payment Warning: You are currently enrolled in a payment plan. If you complete or are removed from the plan for any reason, and we do not receive your Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee of up to $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24%. Minimum Payment Warnfng: 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 balance And you will pay an charges and each month you shown on this statement in estimated total of... pay... about... Only the 24 years 28,264 Minimum Payment Due 14,402 400 3 yea rs (Savings = 13,862) If you would like information about credit counseling services, call 1-888-733-4139. See page 2 for important information about your account. See Page 7 for Important Changes to Your Account Terms and Your Reward Program Continued on Page 3 + Please fold on the perforation below, detach and return with your payment + p. 1/8 Account Ending 1-71003 Blue Cash Rewards as of May 2012 14.97 ^ For details, please see your '~ Reward Dollar5ummary Account Summary Previous Balance $12,327.02 Payments/Credits -$125.00 New Charges +$0.00 Fees +$0.00 Interest Charged +$0.00 ~ew Balance $12,202.02 Minimum Payment Due $722.00 Credit Limit $12,400.00 Available Credit $197.98 Cash Advance Limit $200.00 Avai table Cash $197.98 Days in Billing Period: 30 Customer Care Pay by Computer amen ca nexpress.com/pbc Customer Care Pay by Phone 1-888-258-3741 1-800-472-9297 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 JENNIFER LEONARD 4940 5 WENDLER DR STE 101 TEMPS AZ 85282-6312 ~~n~n~~~n~~i~~u~n~~~~~~~nu~~uu~~n~~~n~i~~~~ui~r~~~ Account Endingt-71003 Enter account number on all documents. Make check payable to American Express. Payment Due Date 07/02/12 New Balance ~ 12,202.02 Minimum Payment Due X122.00 AMERICAN EXPRESS ^ Check here if your addressor BOX 0001 phone number has changed. LOS ANGELES CA 90096-8000 Note changes on reverse side. 'I~I~~'I~~~II~~~I~I~~~II~~I~~I~II~~~II~~~II~~~II~~~~~~III~~~II 0000349990603459142 001220202000012200 04 r• S Amount Enclosed JENNIFER LEONARD Account Ending 1-71003 p. 2/8 Payments: Your payment must be sent to the payment address shown on your statement and must be received by 5 p.m. local time at that addressto be credited as of the day it is received. Payments we receive after 5 p.m, will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearablethrough the US banking system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment feesand additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollarsand clearablethrough the US banking system. Ifwe accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unlessa particular rate is required by law. Please do not send post-dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will have no effect on us without our express prior written approval. We will re-presentto your financial institution any payment that is returned unpaid. Permission for Electronic Withdrawal: (1) When you send a check for payment, you give us permission to eledronicallywithdrawynur payment from your deposit or other asset account. We will process checks electronically by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, unlessthe check is not processable electronically or a less costly process is available. When we process your check electronically, your payment may be withdrawn from your deposit or other asset account as soon as the same day we receive your check, and you wil l not receive that cancelled check with your deposit or other asset account statement. Ifwe cannot col lect the funds electronically we may issue a draft against your deposit or other asset account for the amount of the check. (2) By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you give us permission to electronically withdraw funds from the deposit or other asset account you specify in the amount you request. Payments using such services of ours received after 8:00 p.m. MST may not be credited until the next day. How We CalculateYour Balance: We use the Average Daily Balance (ADB) method (including new transactions) to calculate the balance on which we charge interest on your Account. Call the Customer Service number listed below for more information about this balance computation method and how resulting interest charges are determined. The method we use to figure the ADB and interest results in dailycompoundingofinterest. Paying Interest: Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchases if you pay the New Balance by the due date each month. We will charge you interest on cash advances and (unless otherwisectisclosed) balance transfers beginning on the transaction date. Foreign Currency Charges: If you make a Charge in a foreign currency, we will convert it into US dollars on the date we or our agents process it. We will charges fee of 2.7% of the converted US dollaramount. We will choose a conversion rate that is acceptable to us for that date, unless a particular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest interbank rate we identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the date of your charge. Charges converted by establishments (such as airlines)will be billed at the rates such establishments use. Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is 51.00 or more. Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Customer Care & Billing Inquiries 1-888-258-3741 Hearing Impaired InternationalCollect 1-336-393-1111 TTY:1-800-221-9950 Large Print&BrailleStatements 1-888-258-3741 FAX:1-800-695-9090 Express Cash 1-800-CASH-NOW InNY:1-800-522-1897 Change of Address If correct on front, do not use. • To change your address online, visit www.americanexpress.com/updatecontactinfo • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. • Please print clearly in blue or black ink only in the boxes provided. Street Address City, State Zip Code Area Code and Home Phone Area Code and Work Phone Email Website: americanexpress.com Mobile Site: amexmobile.com Customer Care & Billing Inquiries Payments P.O. BOX 981535 BOX 0001 EL PASO, TX LOS ANGELES CA 79998-1535 90096-8000 Pay Your Bill with AutoPay • Avoid late fees • Save time Deduct your payment from your bank account automatically each month Visit americanexpress.com/autopsy today to enroll. For information on how we protect your privacy and to set your communication and privacy choices, please visit www.america nexpress.com/privacy. Blue Cash® from American Express JENNIFER LEONARD Closing Date 06/07/12 p. 3/8 Account Ending 1-71003 Payments and Credits Summary Total Payments -;125.00 Credits ;0.00 Total Paymentsand Credits -$125.00 Detail "Indicates posting date Payments Amount OS/11/12* ELECTRONIC PAYMENT RECEIVED-THANK -;125.00 Amount Total Fees for this Period 50.00 Amount Total Interest Charged for this Period $0,00 2012 Fees and Interest Totals Year-to-Date Amount Total Fees in 2012 525.00 Total Interest in 2012 ;704.41 Continued on reverse JENNIFER LEONARD Account Ending 1-71003 p. 4/8 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance5ubject Interest Percentage Rate to Interest Rate Charge Purchases 9.9995 $0.00 $0.00 Cash Advances 9.99% $0.00 $0.00_ Total -- - - - - $0.00 p. 518 JENNIFER LEONARD Closing Date 06/07/12 Account Ending 1-71003 Reward Dollar Summary Total Reward Dollars as of May 2012 Billing Period 14.97 Beginning Reward Dollar Balance +12.88 Reward Dollars Earned* +2.09 Total Reward Dollar Balance +14.97 "Reward Dollars Earned this period are pending until the minimumdue is paid and your account is in good standing. Base Reward Dollars As of May 2012Billing Period Qualified Spend # Reward Dollars GAS _ #80.40 @1~i6 0.80 GROCERY _ #0.00 @1% 0.00 DRUGSTORE #0.00 @1% 0.00 Everywhere Else _ #259.88 @0.5% _ 1.29 Total S340.28 2.09 Total Qualified SpendThis Reward Year #1,384.51 Important Messages Visit americanexpress.com/rewarddollars to redeem for cash back, gift cards, and merchandise. Redemptions start at just 25 Reward Dollars. Remember to pay at least the Minimum Payment Due, by the Payment Due Date, to be eligible to earn or redeem reward dollars and to avoid late fees. Terms and Conditions You will receive Blue Cash Reward Dollars (Reward Dollars) for eligible purchases. The number of Reward Dollarsyou will receive each billing period is based on a percentage of the dollar amount of your eligible purchases during the billing period. The reward percentage is based on the type of purchase and your prior spend during the reward yearat the time of purchaseas follows: You will receive a reward of 1% on everyday purchases, described below, and a reward of 0.5% on all other types of eligible purchases, on your first #6,500 of eligible purchases in the 12 billing periods in a row beginning with the one in which the anniversaryof your Card account occurs (reward year). For eligible purchases of#6,500.01 ormore,therewardis5.0%foreverydaypurchasesand1.25%forallothereligiblepurchases. EverydayPurchases are eligible purchases made at the following categories of U.S. merchantsthat are not departments of superstoresor warehouseclubs: supermarkets drug stores, and automobile gasoline stations (up to #400 for each purchase of automobile gasoline). Eligible Purchasesare charges to your account for goods or services that have not been returned or otherwise credited to your account. Eligible purchases do not include fees or interest charges, balance transfers cash advances, purchases of American Express®Travelers Cheques, purchases or reloading of American Express prepaid cards or purchases of other cash equivalents. You can redeem Reward Dollarsfor statement credits in increments of 25 whenever your total available reward dollar balance is 25 or more. We may at our option offer you other ways to redeem your Reward Dollars, such asfor gift cards or merchandise.Therninimum redemption is 25 Reward Dollars.Only your eligible purchasesfor personal family or household use will count toward eligible purchases. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or al l of your Reward Dol tars. Additional terms and conditions apply. JENNIFER LEONARD Account Ending 1-71003 p~ 6B Blue Cash® from American Express JENNIFER LEONARD Closing Date 06/07/12 p. 7/8 Account Ending 1-71003 Summary of Changes We're making changes to how some American Express cards and benefits work. The table below summarizes changes that affect your card account. See the reverse side of this page for changes to your Cardmember Agreement. Reward Dollars ~ Reward dollar balances will not be forfeited due to inactivity on your card account. We May Contact You We are clarifying the ways we may contact you for account servicing and collections. We will continue to honor any communication preferences that you have previously indicated regarding marketing offers. See the reverse side for the Detail of Changes to Your Cardmember Agreement. SCR62 BP/CCRBINA/0612 JENNIFER LEONARD Account Ending 1-71003 p~ 8/$ Detail of Changes to Your Cardmember Agreement The terms of the account referenced in or with this notice are subject to change in accordance with the Cardmember Agreement governing the account. This notice formally amends that Cardmember Agreement as described below. These changes apply to existing and future balances on your account. Any terms in the Cardmember Agreement conflicting with these changes is replaced fully and completely. Terms not changed by this notice remain in full force and effect. We encourage you to read this notice, share it with additional Cardmembers on your account, and file it for future reference. If you have any questions about these changes, please call the number on the back of your Card. Reward Dollars Effective immediately, the When you will forfeit reward dollars section of the How Your Reward Program Works Supplement to the Cardmember Agreement is replaced with "You will forfeit your entire reward dollar balance if your Card Account is cancelled for any reason." We May Contact You Effective September 1, 2012, the We may contact you section, in Part 2 of your Cardmember Agreement, is replaced with the following: Servicing and collections If we need to contact you to service your account or to collect amounts you owe, you authorize us (and our affiliates, agents and contractors) to contact you at any number you provide, from which you call us, or at which we believe we can reach you. We may contact you in any way, such as calling or texting. We may contact you using an automated dialer or prerecorded messages. We may contact you on a mobile, wireless or similar device, even if you are charged for it. Call monitoring We may monitor and record any calls between you and us. SCR62 BP/CCRBINA/0612 Blue Cash® from American Express JENNIFER LEONARD Closing Date 05/08/12 New Balance $12,327.02 Minimum Payment Due $123.00 Payment Due Date 06/02/12 Late Payment Warning: You are currently enrolled in a payment plan. If you complete or are removed from the plan for any reason, and we do not receive your Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee of up to $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the balance And you will payan charges and each month you shown on this statement in estimated total of... pay... about... Only the 24 years 28,392 Minimum Payment Due 400 3 years 14,395 (Savings = 13,997) If you would like information about credit counseling services, call 1-888-733-4139. C--'J See page 2 for important information about your account. Use your smartphone to see the benefits that come with your Card Scan the QR code to dowload our mobile app or visit americanexpress.com/mobile on your PC to learn more. + Please fold on the perforation below, detach and return with your payment + p. 1 n Account Ending 1-71003 Blue Cash Rewards as of Apr 2012 12.88 For details, please see your '~ Reward Dollar5ummary Account Summary Previous Balance $12,326.74 Payments/Credits -$340.00 New Charges +$340.28 Fees +$0.00 Interest Charged +50.00 New Balance $12,327.02 Minimum Payment Due $123.00 _ - Credit Limit $12,400.00 Available Credit $72.98 Cash Advance Limit $200.00 Available Cash $72.98 Days in Billing Period: 32 Customer Care Pay by Computer amencanexpress.com/pbc ~ -- --~ Customer Care Pay by Phone 1-888-258-3741 1-800-472-9297 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 JENNIFER LEONARD 17 RASPBERRY DR MECHANICSBURG PA 17050-2793 lu~lllnillluul~lilluuililln~llilnullnullluillulil Account Ending 1-71003 Enter account number on all documents. Make check payable to American Express. Payment Due Date 06/02/12 New Balance X12,327.02 Minimum Payment Due S7 23.00 AMERICAN EXPRESS Check here if your addressor P.O. BOX 1270 phone numberhaschanged. NEWARK NJ 07101-1270 Note changes on reverse side. III~~~I~~~I~~~IIII~~~~„Il~~rll~~lrll'„III„'I"'lll„"I'~II 0000349990603459142 001232702000012300 04 r• Amount Enclosed JENNIFER LEONARD Account Ending 1-71003 p. 2/7 Payments: Your payment must be sent to the payment address shown on your statement and must be received by 5 p.m. local time at that address to be credited as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearablethrough the US banking system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment feesand additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollarsand clearablethrough the US banking system. If we accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unlessa particular rate is required by law. Please do not send post-dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will have no effect on us without our express prior written approval. We will re-present to your financial institution any payment that is returned unpaid. Permission for Electronic Withdrawal: (1) When you send a checkfor payment, you give us permission to electronicallywithdrawyourpayment from your deposit or other asset account. We will process checks electronically by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, unlessthe check is not processable electronically or a less costly process is available. When we process your check electronically, your payment may be withdrawn from your deposit or other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your deposit or other assetaccount statement. Ifwe cannot collect the funds electronically we may issue a draft against your deposit or other asset account for the amount of the check. (2) By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you give us permission to electronically withdraw funds from the deposit or other asset account you specify in the amount you request. Payments using such services of ours received after 8:00 p.m. MST may not be credited until the next day. How We CalculateYour Balance: We use the Average Daily Balance (ADB) method (including new transactions)to calculate the balance on which we charge interest on your Account. Call the Customer Service number listed below for more information about this balance computation method and how resulting interest charges are determined. The method we use to figure the ADB and interest results in dailycompoundingof interest. Paying Interest: Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchases if you pay the New Balance by the due date each month. We will charge you interest on cash advances and (unless otherwise disclosed) balance transfers beginning on the transaction date. Foreign Currency Charges: If you make a Charge in a foreign currency, we will convert it into US dollars on the date we or our agents process it. We will charges fee of 2.7% of the converted US dollaramount. We will choose a conversion rate that is acceptable to us for that date, unless a particular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest interbank rate we identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the date of your charge. Charges converted by establishments (such as airlines)will be billed at the rates such establishments use. Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is S 1.00 or more. Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Customer Care & Billing Inquiries 1-888-258-3741 Hearing Impaired InternationalCollect 1-336-393-1111 1'i'Y:1-800-221-9950 Large Print & Braille Statements 1-888-258-3741 FAX:1-800-695-9090 Express Cash 1-800-CASH-NOW In NY:1-800-522-1897 Change of Address If correct on front, do not use. • To change your address online, visit www.americanexpress.com/updatecontactinfo • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. • Please print clearly in blue or black ink only in the boxes provided. Street Address City, State Zip Code Area Code and Home Phone Area Code and Work Phone Email Website: americanexpress.com Mobile Site: amexmobile.com Customer Care & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998-1535 07101-1270 Pay Your Bill with AutoPay • Avoid late fees • Save time Deduct your payment from your bank account automaticallyeach month Visit americanexpress.com/autopsy today to enroll. For information on how we protect your privacy and to set your communication and privacy choices, please visit www.america nexprest.com/privacy. Blue Cash® from American Express JENNIFER LEONARD Closing Date 05/08/12 p. 3/7 Account Ending 1-71003 Payments and Credits Summary Total Payments -$340.00 Credits $0.00 Total Payments and Credits _$340,00 Detail 'Indicates posting date Payments Amount 04/27/12* JENNIFER LEONARD ELECTRONIC PAYMENT RECEIVED-THANK -$340.00 New Charges Summary Total MARTIN LEONARD 1-71011 $340.28 Total New Charges $340,28 Detail ® MARTIN LEONARD Card Ending 1-71011 Amount 04/07/12 PETSMART INC 583 MECHANICSBURG PA 5113.34 PET SHOP/FOOD/SUPPLY 04/27/12 WINE & SPIRITS 2106 MECHANICSBURG PA $58.27 GOVERNMENT SERVICE Description LIQUOR/BEVERAG 04/27/12 SILVER SPRING BEVERAMECHANICSBURG PA $27.32 LIQUOR STORE Description LIQUOR/BEVERAG 04/29/12 SHAKLEE CORPORATION PLEASANTON CA $60.95 925-924-2000 Description SPECIALTY RETA 04/30/12 SUNOCO 0364156004 CAMP HILL PA $80.40 AUTO FUEL DISPENSER Fees Amount Total Fees for this Period X0,00 Continued on reverse JENNIFER LEONARD Account Ending 1-71003 p. 4/7 Interest Charged Amount Total Interest Charged for this Period S0.00 2012 Fees and Interest Totals Year-to-Date Amount Total Fees in 2012 $25.00 Total Interest in 2012 $704.41 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Rate Balance Subject to Interest RMe Interest Charge Purchases 9.99% $0.00 $0.00 Cash Advances 9.99% $0.00 $0.00 Total 50.00 p. 5/7 JENNIFER LEONARD Closing Date 05/08/12 Account Ending 1-71003 Reward Dollar Summary Total Reward Dollars as of Apr 2012 Billing Period 12.88 Beginning Reward Dollar Balance +12.88 Reward Dollars Earned* +0.00 Total Reward Dollar Balance +12.88 *Rewsrd Dollars Earned this period are pending until the minimumdue is paid and your account is in good standing. Base Reward Dollars As of Apr 2012 Billing Period Qualified Spend $ Reward Dollars GAS $0.00 @1% 0.00 GROCERY $0.00 @1% 0.00 DRUGSTORE $0.00 @1% 0.00 Everywhere Else $0.00 @0.5% 0.00 Total So_oo n_nn Total Qualified Spend This Reward Year 51,044.23 Important Messages Visit americanexpress.com/rewarddollars to redeem for cash back, gift cards, and merchandise. Redemptions start at just 25 Reward Dollars. Remember to pay at least the Minimum Payment Due, by the Payment Due Date, to be eligible to earn or redeem reward dollars and to avoid late fees. Terms and Conditions You will receive Blue Cash Reward Dollars (Reward Dollars)for eligible purchases. The number of Reward Dollars you will receive each billing period is based on a percentage of the dollar amount of your eligible purchases during the billing period. The reward percentage is based on the type of purchase and your prior spend during the reward year at the time of purchase as follows: You will receive a reward of 1 % on everyday purchases, described below, and a reward of 0.5% on all other types of eligible purchases, on your first $6,500 of eligible purchases in the 12 billing periods in a row beginning with the one in which the anniversaryof your Card account occurs (reward year). For eligible purchases of $6,500.01 or more, the reward is 5.0% for everyday purchases and 1.25% for all other eligible purchases. EverydayPurchases are eligible purchases made at the following categories of U.S. merchants that are not departments of superstores or warehouse clubs: supermarkets, drug stores, and automobile gasoline stations (up to $400 for each purchase of automobile gasoline). Eligible Purchases are charges to your account for goods or services that have not been returned or otherwise credited to your account. Eligible purchasesdo not include fees or interest charges, balance transfers,cash advances, purchases of American Express•Travelers Cheques, purchases or reloading of American Express prepaid cards or purchasesof other cash equivalents. You can redeem Reward Dollarsfor statement credits in increments of 25 wheneveryour total available reward dollar balance is 25 or more. We may at our option offer you other ways to redeem your Reward Dollars, such asfor gift cards or merchandise.Therninimum redemption is 25 Reward Dollars.Only your eligible purchasesforpersonal, family or household usewill count toward eligible purchases. We may change the terms of this program at our discretion. If you violate or abusethis program, you may forfeit some or all of your Reward Dollars. Additional terms and conditions apply. JENNIFER LEONARD Account Ending 1-71003 p. sn Blue Cash° from American Express JENNIFER LEONARD Closing Date 05/08/12 p. 717 Account Ending 1-71003 UP TO 70% OFF DESIGNER BRANDS FREE SHIPPING Enjoy daily shopping events featuring top designer brands at incredible prices. plus FREE SHIPPING on qualifying orders of $100 or more when you use your American F_xpress" Card.* Become a member of vente-privee today at americanexpress.com/ freeshipping vente-privee wpm American Express "Terms and rontlltlons may apply. Visit amerlraneapress.coml freeshipping for romplete terms and conditions Offers are made onl~to Cardmembers who meet certain qualifying criteria. By ~ncnnndinn vnn will o rlic~h~inn fn •hn mn~rh~n4 4Me4 •in~~ ~++nn~ • non nri4n~i~ I C: N� T IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSI 4qk rn-n cn� a° AMERICAN EXPRESS No. 2013-00949 p - CENTURION BANK �p a Plaintiff/Petitioner ter, M pC-- D JENNIFER LEONARD —+ `'' Defendant(s)/Respondent(s) �n PRAECIPE FOR JUDGMENT Please enter Judgment in favor of Plaintiff and against Defendant,JENNIFER LEONARD, for failure to answer the Complaint. (X) Amount due $12,629.06 TOTAL $12,629.06, plus costs and statutory interest from the date of Judgment. (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. (X) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. (X) Pursuant to Pa.R.C.P. 237.1, 1 certify that written notice of the intent Ion to file this praecipe was mailed or delivered to the party against whom judgment is to be entered, and to his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filing of this praecipe and a copy of the notice is attached. DATE: 0 ) 0 {� /4 1-/ Amy . D e, quire PA Supreme Court ID 87062 Doyle Legal Services, LLC 11 East Market St., Suite 102 York,PA 17401 717-885-07181877-202-9420 717-885-0726 (facsimile) Counsel for Plaintiff �O� �� NOW, j 1� 2013, JU G1I I. RED AS OVE. N-a" � ?iC�Lr o P otary r fI Division BY: Deputy IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS No. 2013-00949 CENTURION BANK Plaintiff/Petitioner VS. JENNIFER LEONARD Defendant(s)/Respondent(s) AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF YORK The undersigned counsel, being duly sworn according to law, depose and say that I am the Attorney for the Plaintiff in the above-captioned matter, and that to the best of my knowledge, information and belief, Defendant JENNIFER LEONARD, above-named, is over 21 years of age; is last known to reside at 17 RASPBERRY DR, MECHANICSBURG PA 17050, County of CUMBERLAND, State of Pennsylvania; is not in the military service of the United States or its Allies, or otherwise within the provisions of the Service members Civil Action Relief Act and its Amendments. Date: Amy t.PoWsquire PA Supreme Court ID 87062 Doyle Legal Services, LLC i i East Market St., Suite 102 York, PA 17401 717-885-0718/877-202-9420 717-885-0726 (facsimile) Counsel for Plaintiff On this, the f�Q day of ( _,2013,before me, the undersigned officer,personally appeared Amy F. Doyle, kno n to me to be the person whose name is subscribed to the within instrument, and acknowledged that she executed the same for the purpose therein contained. 0 : � >41c Notary Public CotaoNweat,TH of r�NNSrtvnNu Notarial Seal cow. "Y Morelar4 NMry Pu"'C Sp"Garden TWp.,Yolk County M Comm0on 6ryires Nov.23,2013 Member.Pewmlvarla Assodabon aF NotM% DT C DOYLE LEGAL SERVICES, LLC J.�J Attorneys in the Practice of Debt Collection Amy F. Doyle,Esquire(Admitted PA, OH) 11 East Market Street, Suite 102, York,PA 17401 877-202-9420 1 717-885-0718 1 FAX: 717-885-0726 adoyle @doylels.com April 1, 2013 JENNIFER LEONARD 17 RASPBERRY DR MECHANICSBURG PA 17050 RE: AMERICAN EXPRESS CENTURION BANK vs. JENNIFER LEONARD Docket No. 2013-00949 Dear Jennifer Leonard: Enclosed herein please find a 10-Day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil Procedure. Sincerely, Amy . Doyle#87062 Doyle Legal Services, LLC 11 East Market St., Suite 102 York, PA 17401 adoyle @doylels.com (717) 885-0718 (877)202-9420 (717) 885-0726 (facsimile) Enclosure phis is an attempt by a debt collector to collect a debt and any information obtained will be used for that purpose. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS No. 2013-00949 CENTURION BANK Plaintiff/Petitioner Vs. JENNIFER LEONARD Defendant(s)/Respondent(s) TO: JENNIFER LEONARD 17 RASPBERRY DR MECHANICSBURG PA 17050 Date of Notice: April 1, 2013 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU FAILED TO TAKE THE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN(10)DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Lawyer Referral Service & Cumberland Co. Bar Association 32 South Bedford Street Carlisle, PA 17013 800/990-9108 By oyle#87062 Doyle Legal Services, LLC 11 East Market St., Suite 102 York, PA 17401 adoyle @doylels.com (717) 885-0718 (877)202-9420 (717) 885-0726 (facsimile) 'ile: 10007605 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK No. 2013-00949 Plaintiff/Petitioner vs. JENNIFER LEONARD Defendant(s)/Respondent(s) CERTIFICATE OF RESIDENCE PA. R.C.P. 236 I hereby certify that the precise residence of Plaintiff is: AMERICAN EXPRESS CENTURION BANK 4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184 and certify that the last known address of the within Defendant is: JENNIFER LEONARD 17 RASPBERRY DR MECHANICSBURG PA 17050 Amy oy e, Esquire PA Supreme Court ID 87062 Doyle Legal Services, LLC 11 East Market St., Suite 102 York, PA 17401 717-885-0718/ 877-202-9420 717-885-0726 (facsimile) Counsel for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS No. 2013-00949 CENTURION BANK Plaintiff/Petitioner VS. JENNIFER LEONARD Defendant(s)/Respondent(s) NOTICE OF JUDGMENT (X) Notice is hereby given that a Judgment in the abov -captioned matter has been entered against you in the amount of$12,629.06 on costs and statutory interest from the date of Judgment. L' I 2013, plus (X) A copy of all documents filed with the Prothonot in ort"Oie within j ent is/are attached. J 4.4 09K- If you have any questions regarding this Notice, please contact the filing party. Amy Ao s quire PA Supreme Court ID 87062 Doyle Legal Services, LLC I 1 East Market St., Suite 102 York, PA 17401 717-885-0718 / 877-202-9420 717-885-0726 (facsimile) Counsel for Plaintiff (This Notice is given in accordance with Pa.R.C.P. 236.) NOTICE SENT TO: JENNIFER LEONARD 17 RASPBERRY DR MECHANICSBURG.PA 17050 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS No. 2013-00949 CENTURION BANK Plaintiff/Petitioner w -+ nrn 4 VS. =;V �. JENNIFER LEONARD Defendant(s)/Respondent(s) <:;r_ z,. �C�,}T- :zO PRAECIPE TO SATISFY JUDGMENT ; TO THE PROTHONOTARY: Please mark the Judgment in the above-captioned action as Satisfied. Respectfully submitted, 4,114 . Amy . Doyle, Esquire PA Supreme Court ID 87062 Doyle Legal Services, LLC 11 East Market St., Suite 102 York, PA 17401 717-885-0718 877-202-9420 717-885-0726 (facsimile) Counsel for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS No. 2013-00949 CENTURION BANK Plaintiff/Petitioner VS. JENNIFER LEONARD Defendant(s)/Respondent(s) CERTIFICATE OF SERVICE The undersigned does hereby certify that a copy of the foregoing Praecipe to Satisfy Judgment has been served upon Defendant, by First Class Mail, Postage Pre-Paid, a copy thereof on December a(Qr,`2013 to: JENNIFER LEONARD 17 RASPBERRY DR MECHANICSBURG PA 17050 Am F. Doyle, Esquire PA Supreme Court ID 87062 Doyle Legal Services, LLC 11 East Market St., Suite 102 York, PA 17401 717-885-0718 877-202-9420 717-885-0726 (facsimile) Counsel for Plaintiff File: 10007605