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Home My WebLink About13-2715 Supreme Court of, Pennsylvania COUrt;`OfCOmmon -Pleas For Prothonotary Use Only: Civil Cover.Sheet Docket No: n CUMBERLAND / �j a7� i County ✓ ✓✓ The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service of pleadings or other papers as required by law or rules of court. Commencement of Action: 'x, Complaint 0 Writ of Summons Petition Transfer from Another Jurisdiction Q Declaration of Taking E C Lead Plaintiffs Name: Lead Defendant's Name: AMERICAN EXPRESS BANK, FSB KAREN ALBRIGHT T Dollar Amount Requested: Owithin arbitration limits I Are money damages requested? El Yes 0 No (check one) C 1 outside arbitration limits O N Is this a Class Action Suit? Yes ix No Is this an MDJAppeal? 7 Yes x No A Name of Plaintiff /Appellant's Attorney: AMY F DOYLE, ESQ 0 Check here if you have no attorney (are a Self - Represented (Pro Se] Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARYCASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Uass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS El Intentional F-1 Buyer Plaintiff Administrative Agencies 0 Malicious Prosecution 0 Debt Collection: Credit Card 0 Board of Assessment 1 Motor Vehicle O Debt Collection: Other Q Board of Elections 0 Nuisance Q Dept. of Transportation Premises Liability [] Statutory Appeal: Other S Q Product Liability (does not include E mass tort) El Employment Dispute: Slander/Libei /Defamation Discrimination C 0 Other: Employment Dispute: Other El Zoning Board , 0 Other: I Other: O MASS TORT Asbestos N Tobacco Q Toxic Tort - DES Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS Toxic Waste Other: 0 Ejectment Q Common Law /Statutory Arbitration B C1 Eminent Domain /Condemnation [3 Declaratory Judgment 0 Ground Rent 0 Mandamus El Landlord /Tenant Dispute [] Non - Domestic Relations Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY El Quo Warranto Mortgage Foreclosure: Commercial Q Dental [] Partition Replevin n Legal 0 Quiet Title Other: 0 Medical 0 Other: Other Professional: Updated 1/1/2011 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL NIA c ,. AMERICAN EXPRESS BANK, FSB NO. 4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184 PLAINTIFF C_— vs. M � '•� .� KAREN ALBRIGHT -<> o 10 SMILEY DR CD MECHANICSBURG PA 17050 = C DEFENDANT(S) NOTICE TO DEFEND CO 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 6 avvkA 1 ��-4 FILE NO. 10007655 124 Q Li0 S IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS BANK, FSB NO. 4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184 PLAINTIFF vs. KAREN ALBRIGHT 10 SMILEY DR MECHANICSBURG PA 17050 DEFENDANT(S) NOTICIA USTED HA SIDO DEMANDADO /A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias 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 falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas 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 para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED 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 USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION 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. 10007655 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS BANK, FSB NO. 4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184 PLAINTIFF VS. KAREN ALBRIGHT 10 SMILEY DR MECHANICSBURG PA 17050 DEFENDANT(S) COMPLAINT 1. The Plaintiff is American Express Bank FSB (hereafter "American Express ") with a place of business located at 4315 South 2700 West, Salt Lake City, UT 84184. 2. The Defendant, KAREN ALBRIGHT, is an adult individual, residing at 10 SMILEY DR, MECHANICSBURG PA 17050, CUMBERLAND County. 3. At all relevant times, American Express Bank FSB was, and is, a federally chartered bank. 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. b. Defendant agreed to make the "Minimum Payment" (as that term is used in the FILE NO. 10007655 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 $1,068.07. 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 $1,068.07, plus costs. WHEREFORE, American Express demands judgment against Defendant on Count 1 in the sum of $1,068.07, plus costs. FILE NO. 10007655 Count 2 - Account Stated (in 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 $1,068.07, 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 $1,068.07, plus costs of this action. Count 3 - Unjust Enrichment (in the alternative to Counts 1 and 21 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 $1,068.07 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 $1,068.07. 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. 10007655 WHEREFORE, American Express demands judgment against Defendant on Count 3 in an amount to be determined at trial. Respectfully submitted, Amy F. oyle, quire 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. 10007655 t VERIFICATION I verify the facts set forth in this Complaint are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S,. § 4904, relating to unsworn falsification to authorities. T I am a representative of American Express Bank, FSB in the position of ASSISTANT CUSTODIAN4 ASSISTANT CUSTODIAN and in my capacity as OF RECORDS for OF RECORDS American Express Bank, FSB, the Plaintiff in this matter, I am authorized to make this verification on their behalf. Date: Name: ` RICHARD KIER Title: ASSISTANT CUSTODIAN OF RECORDS KAREN ALBRIGHT FILE NO. 10007655 EXHIBIT "A" AMERICAN JetBlue° Card from American Express jeffllue P. 1/11 .�RESS KAREN C ALBRIGHT Closing Date 12/09/10 Account Ending 8 -22007 Earn TrueBlue points on New Balance $253.94 virtually all purchases. Minimum Payment Due $15.00 Visit americanexpress .com /jetbluetolearn y more! Payment Due Date 01/03/11 Account Summary Late Payment Warning: If we do not receiveyour Minimum Payment Due by Previous Balance $1,103.61 the Payment Due Date listed above, you may have to pay a late fee of up to Payments /Credits - $5,427.24 $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24 %. New Charges +$4,577.57 Fees +$0.00 Minimum Payment Warning: If you make only the minimum payment each period, Interest Charged +$0.00 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 New Balance $253.94 charges and each month you shown on this statement in estimated total of... Minimum Payment Due $15.00 . pay... about... _ _ Only the Credit Limit $1,300.00 288 Available Cre Minimum Payment Due 20 months , $dit $1,046.06 Cash Advance Limit $200.00 If you would like information about credit counseling services, call 1- 888 - 733 -4139. Available Cash $200.00 P Seepage 2 for important information about your account. Days in Billing Period: 31 See Page 11 for important information about your account and an Customer Care updated copy of your Cardmember Agreement. � Pay by Computer amencanexpress.com /pbc IT'S NOT)UST FOR HIGH COUTURE Customer Care Pay by Phone \ 1- 800 - 906 -8864 1- 800 - 472 -9297 YOUR AMERICAN EXPRESS' CARD IS PERFECT FOR LITTLE J \ O Seepage 2 for additional information. EVERYDAY THINGS OR TO FINISH YOUR HOLIDAY SHOPPING AT GREAT PLACES LIKE JCPENNEY, H&M AND DRUGSTORE.COM, EXPLORE MORE GREAT PLACES YOUR CARD IS WELCOMED AT AMEXNETWORK.COM /WELCOME + Pleasefold on the perforation below, detach and return with your payment ® Payment Coupon Pay byComputer Pay byPhone Account Ending B -22007 Do not staple or use paper clips amerlcanexpr /pbc 1- 800 - 472 -9297 Enter account number on all documents. Make check payable to American Express. KAREN C ALBRIGHT 10 SMILEY DR Payment Due Date MECHANICSBURG PA 17050 -1534 01/03/11 New Balance $253.94 I�nII�n�I�InuI�I��u�nll�I�I�uIInI��I�n�III��u�II�I Minimum Pa Due $15.00 AMERICAN EXPRESS $ ❑ Check here if your address or P.O. BOX 1270 Amount Enclosed phone number has changed. NEWARK NJ 07101 -1270 Note chan on reverse side. 0000349991432395911 000025394000001500 05 H KAREN C ALBRIGHT Account Ending 8 -22007 p• 2/11 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 clearable through the US banking system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system. If we accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unless a particular rate is required by law. Pleasedo not send post -dated checks as they will be deposited upon receipt. Any restrictive 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 payment from your depositor 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, unless the check is not processable electronically or a less costly process is available. When we process your check electronically, your payment maybe withdrawn from your depositor other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your deposit or other asset account statement. If we cannot collect the funds electronically we may issue a draft against your depositor 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 depositor 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 and interest results in doilycompounding of 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 charge 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. 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- 800 - 906 -8864 Hearing Impaired Website: americanexpress.com International Collect 1- 336 - 393 -1111 TTY: 1-800-221-9950 Mobile Site: amexmobile.com Large Print & Braille Statements 1- 800 - 906 -8864 FAX: 1-800-695-9090 Lost or Stolen Card 1- 800 - 992 -3404 In NY: 1-800-522-1897 Customer Service Express Cash 1- 800 - CASH -NOW & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998 -1535 07101 -1270 Change of Address If correct on front, do not use. Pay Your Bill With AutoPay • To change your address online, visit www. americanexpress .com /updatecontactinfo Avoid late fees • 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. Save time Deduct your payment from your bank Street Address account automatically each month Visit americanexpress.com /autopay City, State today to enroll. Zip Code Area Code and Home Phone Area Code and For information on how we protect your Work Phone privacy and to set your communication Email and privacy choices, please visit www.americanexpress.com/privacy. gMERICAN JetBlue® Card from American Express jetffiue P. 3/11 EXPRESS KAREN C ALBRIGHT Closing Date 12/09/10 Account Ending 8 -22007 Payments and Credits Summary Total Payments - $5,389.05 Credits - $38.19 Total Payments and Credits - $5,427.24 Detail *Indicates posting date Payments Amount 11/08/10* ONLINE PAYMENT -THANK YOU - $900.00 11/1 ONLINE PAYMENT-THANK YOU - $ 367.61 11/12/10* ONLINE PAYMENT -THANK YOU - $800.00 11/18 ONLINE PAYMENT -THANK YOU - $125.00 11 ONLINE PAYMENT -THANK YOU - $500.00 11/21/10* ONLINE PAYMENT -THANK YOU - $500.00 11/25/10* O NLINE PAYMENT-THANK Y - $400.00 11 ONLINEPAYMENT - THANKYOU - $800.00 12/01/10* ONLINE PAYMENT-THANK YOU - $ 96.44 12/ ONLINE PAYMENT - THANK YOU - $ 900.00 Credits Amount 11/26/10 USPS.COM CLICK100611 WASHINGTON DC - $38.19 800 - 3447779 New Charges Summary Total Total New Charges $4,577.57 Detail ® KAREN C ALBRIGHT Card Ending 8 -22007 Amount 11/06/10 FOX RENT A CAR 0518 OAKLAND CA $164.00 Location Date Rental: OAKLAND CA 10/11/06 Return: OAKLAND CA 10/11/06 Agreement Number: 003506927 Renter Name: KAREN ALBRIGHT 11/08/10 EBAY INC. 0000 SAN JOSE CA $700.00 886- 285 -8380 Description DIRECT MARKETE 11/09/10 USPS 056138024508664PLEASANTON CA $131.96 800 - 2758777 Continued on reverse KAREN C ALBRIGHT Account Ending 8 -22007 p. 4/11 Detail Continued Amount 11 /11 /10 OFFICEMAX, INC. 0228925 - 225 -9007 $16.99 925 - 225 -9007 COLOR 11 /11 /10 SEE'S CANDIES #572 3PLEASANTON CA $21.17 9254631211 Description Price C ANDY /N / $ 21.17 11/11/10 VALERO 7399 OOOOOOOOPLEASANTON CA $44.33 92 11/11/10 SOMA INTIMATES #5052PLEASANTON CA $104.89 8888554968 Description Womens Apparel 11/11/10 THE FARMER RESTAUR SPLEASANTON CA $31.88 9253996690 TIP $4.00 11/12/10 EBAY INC. 0000 SAN JOSE CA $600.00 886 - 285 -8380 Description DIRECT MARKETE 11/12/10 USPS.COM CLICK10061 1WASHINGTON DC $13.95 800 - 3447779 11/12/10 USPS.COM CLICK100611 WASHINGTON DC $38.19 800 - 3447779 11/12/10 USPS.COM CLICK100611WASHINGTON DC $25.65 800 - 3447779 11/12/10 USPS.COM CLICK100611 WASHINGTON DC $38.19 800 - 3447779 11/12/10 USPS.COM CLICK10061 1WASHINGTON DC $4.75 800 - 3 44777 9 11/14/10 DELTA AIR LINES OAKLAND CA $23.00 DELTA AIR LINES From: To: Carrier: Class: OAKLAND CA OAKLAND CA OIL MC NOT AVAILABLE Ticket Number: 00682293599002 Date of Departure: 11/14 PassengerName: KAREN /ALBRIGHT Document Type: EXCESS BAGGAGE 11/15/10 CHEVRON CSI - 308613 /2OAKLAND CA $46.73 5105539200 Description Price FUEL/MISCELLANEOUS $46.73 11/15/10 BMC,METRO PCS 877 - 315 -6074 TX $40.00 8 77 - -60 74 11/17/10 LUGGAGEGURU 5165362275 NY $26.55 402 -935 -7733 Description GENERAL 11/18/10 STAPLES INC. 00682 CHAMBERSBURG PA $84.58 (800)333 - 3330 Continued on next page q;,,,E� R,�,N JetBlue® Card from American Express jeffllue P. 5/11 EXPRESS KAREN C ALBRIGHT Closing Date 12/09/10 Account Ending 8 -22007 Detail Continued Amount 11/19/10 TURKEY HILL #0268 Q8005380705 $22.41 8005380705 AUTOMATED FUEL 11/19/10 USPS.COM CLICK10061 1WASHINGTON DC $81.65 800 - 3447779 11/20/10 PEETS COFFEE & TEA #EMERYVILLE CA $24.09 5105942100 Description Price FAST FOOD RESTAURAN $24.09 11/21/10 US AIRWAYS NEW YORK NY $200.40 US AIRWAYS From: To: Carrier: Class: BALTIMORE MD PHOENIX AZ US GX OAKLAND CA US GX Ticket Number: 03778711820531 Date of Departure: 12/19 PassengerName: SMITH /ZARY DAVID Document Type: PASSENGER TICKET 11/21/10 JETBLUE AIRWAYS 9010JETBLUE NY $149.70 JETBLUE AIRWAYS From: To: Carrier: Class: OAKLAND INTERNATIO WASHINGTON DULLES B6 U N/A YY 00 N/A YY 00 N/A YY 00 Ticket Number. 27921522294651 Date of Departure: 12/26 Passenger Name: SMITH /ZARY DAVID MR Document Type: PASSENGER TICKET 11/21/10 CHEAPOAIR -AIR New York NY $17.00 www.cheapoair.com Description Price Airline Fee &Tax $17.00 11/21/10 SHELL OIL 23652220178ALTIMORE MD $24.32 AUTO FUEL DISPENSER 11/22/10 MEUER.COM #4900000GRAND RAPIDS MI $13.38 8773634537 Description REFER T RE 11/23/10 USPS.COM CLICK10061 1WASHINGTON DC $28.98 800 - 3 44 7 77 9 11/23/10 USPS 412524002100472ENOLA PA $60.18 800 - 2758777 11/24/10 EXXONMOBIL THOMPSONTOWN PA $25.59 AUTO FUEL DISPENSER Description GAS /SERVICES 11/25/10 HOTWIRE -SALES FINAL 866 -468 -9473 CA $69.86 TRAVEL 11/27/10 SUNOCO 0013998007 HARRISBURG PA $25.79 AUTO FUEL DI 11/30/10 STEVEMADDEN.COM 888 - 762 -3336 NY $99.95 SHOES Continued on reverse KAREN C ALBRIGHT Account Ending 8 -22007 p• 6/11 Detail Continued Amount 11/30/10 AOL SERVICE 800 - 827 -6364 NY $11.99 ASSIST.AOL.COM 11/30/10 USPS 415248005101124MECHANICSBURG PA $145.16 8 - 27 11/30/10 WEGMANS #45000000045854644600 $81.15 5854644600 11/30/10 STAPLES INC. 00682 CHAMBERSBURG PA $26.75 (800)333 -3330 12/01/10 STAPLES INC. 00682 CHAMBERSBURG PA $133.31 (800)333 -3330 12/02/10 TURKEY HILL #0268 Q8005380705 $25.16 8005380705 AUTOMATED FUEL 12/05/10 EBAYINC.0000 SANJOSE CA $721.38 886 - 285 -8380 Description DIRECT MARKETE 12/06/10 USPS.COM CLICK100611WASHINGTON DC $41.09 800 - 34 12/06/10 SHELL OIL 5754426870SHERMANS DALE PA $26.30 AUTO FUEL DISPENSER 12/06/10 MORGAN'S PLACE HARRISBURG PA $72.34 717- 234 -8103 FOOD $62.34 TIP $10.00 12/07/10 USPS.COM CLICK100611 WASHINGTON DC $41.09 800- 3 12/07/10 USPS.COM CLICK100611 WASHINGTON DC $52.68 800 - 3 447779 12/07/10 CLAIRE'S BOUTIQUES SCAMP HILL PA $22.26 8002524737 Description GE N E RAL MER CHANDISE 12/07/10 AEROPOSTALE #337 CAMP HILL PA $19.00 973 - 872 -5666 12/07/10 SELLERSVILLE THEAT 5SELLERSVILLE PA $75.00 2152573000 Description Price THEATRICAL COMPANIE $75.00 12/08/10 WEGMANS #45 000000045854644600 $82.80 5854644600 Fees Amount Total Fees for this Period $ 0.00 Continued on next page AL - ' JetBlue® Card from American Express jeffllue P .7/11 „ EXPRESS KAREN C ALBRIGHT Closing Date 12/09/10 Account Ending 8 -22007 Interest Charged Amount Total Interest Charged for this Period $ 0.00 2010 Fees and Interest Totals Year -to -Date Amount Total Fees in 2010 $0.00 Total Interest in 2010 $0.00 Includes fees and interest charged for billing periods with closing dates on or after June 25, 2010. 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 15.24% (v) $0.00 $0.00 Cash Advances 25.24% (v) $0.00 $0.00 Total $0.00 (v) Variable Rate KAREN C ALBRIGHT Account Ending 8 -22007 P• 8/11 A ME - NN JetBlue Card TrueBlue® Points Program jeffllue P. 9 EJ�RE55 AIRWAYS' Prepared for KAREN C ALBRIGHT Account Number 1M57328681 Questions About Your Account? Award Dollars Earned 4,351 americanexpress.com /jetblue TrueBlue Points Transferred this Period 6,078 Intern attional ional64 ntern Collect: 1- 336 - 393 -1111 Did You Know Account Summary October 1, 2010 - October 31, 2010 EXCLUSIVECARDMEMBER BENEFITS Prior Month Points Balance 6,078 Learn more about yourtravel, shopping and account protections that come with TrueBlue Points Earned +4,351 Cardmembership. Learn more at americanexpress.com /jetblue TrueBlue Points Transferred -6,078 AMERICAN EXPRESS SELECTS® TrueBlue Points Adjusted 0 Enjoy exclusive savings when you use your JetBlue Card at select merchants. Visit TrueBlue Points Remaining 4,351 americanexpress.com /selectsfor more details. Points are available when a minimum payment has been made and all your accounts are in good standing. Earn Bonus TrueBlue Points on all eligible spend and get to your next Award flight even faster! Points Transaction Detail October 1 2010 - October 31 2010 TrueBlue Points Earned TrueBlue Points Promotional Bonus Total TrueBlue Earned O n Elig Charges True Points Points Earned JetBlue Card 4,351 0 4,351 XXXX- XXXXX8 -22007 Total 4,351 0 4,351 TrueBlue Points Transferred TrueBlue Points Transferred Transferred Date TrueBlue 6,078 10/13/10 Account number 2047984866 Total 6,078 * On a monthly basis, we will transfer your TrueBlue Points Earned into your TrueBlue Program account if you have made at least the minimum payment due and all your accounts are in good standing. If you have questions, please visit www.americanexpress.com /jetblue or call 1- 800 - 906 -8864. From overseas, call collect 1- 336 - 393 -1111. Prepared for KAREN C ALBRIGHT jetBlue P. 10/11 TrueBlue Points Number 1 M57328681 AIRWAYS' P. 11/11 A�RI WN EXPRESS Re: JetBlue Card Account ending in: 22007 12/01/2010 Dear Karen C Albright, We want to help you understand how your credit card works. This includes changes we're required to make because of new federal regulations that impact late payment fees, returned payment fees, and Penalty APRs. These changes are summarized in the table below. We're also pleased to let you know we've rewritten your Cardmember Agreement so it's simplerand easierto use and understand. We've enclosed a copy of your 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 • other account terms You can learn more about how to manage your card account and protect your credit with simple tips, advice, and explanations by visiting americanexpress .com /consumerresources. Im The following is a summary of changes to your account terms, effective August 22, 2010. More detailed information about these account terms appears on page 2 of the Cardmember Agreement. Revised Terms, as of August 22, 2010 Late Payment Fee Up to $35 Returned Payment Fee Up to $35 Penalty APR and When 27.24% It Applies This APR will vary with the market based on the Prime Rate. This APR will applyto your account if you: 1) make one or more late payments; or 2) make a payment that is returned. How Long Will the Penalty APR Apply? lfthePenaltyAPRis applied, itwill apply for at least 6 months. Wewillreviewyour Account every 6 months after the penalty APR is applied. The Penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. IMPORTANT Seethe reverse side of this letterfor information about the termination of convenience checks and the duration of the Penalty APR. Thank you for your Cardmembership. We look forward to continuing to serve you. Sincerely, American Express See reverse side forimportantinformation CMAEUALE0000101 Convenience Checks We will no longer honor convenience checks. If you still have convenience checks, even if you 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. If you 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 currently applies to yourAccount, we will review it on or before February 22, 2011 as described on the front of this letter. Before this review, the Penalty APR will continue to apply in accordance with the terms of your Card member Agreement in effect prior to August 22, 2010. CMAEUALE0000101 AMERICAN E�RE55 Card member Agreement: Part of Asof: 12/01/2010 JetBlue Card Issuer: American Express Bank, FSB CardmemberName: Karen CAlbright Credit Limit: $1,300 (Cash Advance Limit: $ 200) Account Ending In : 22007 Rates and Fees Table Interest Rates Annual Percentage Rate 15.24% (APR) for Purchases This APRwill vary with the market based on the Prime Rate. APR for Balance Transfers 15.24% for any balance transfer requests we may accept. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 25.24% This APR will vary with the market based on the Prime Rate. Penalty APR and When it 27.24% Applies This APR will vary with the market based on the Prime Rate. This APR will apply to your account if you: 1) make one or more late payments; or 2) make a payment that is returned. How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. Paying Interest Your due date is at least 25 days afterthe close of each billing period. 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 considerwhen applying for or using a credit card, the Federal Reserve Board visit the website of the Federal Reserve Board at hftp://www.federaireserve.ciovicreditcard Annual Membership Fee $40 Transaction Fees • Balance Transfer Either $5or 3% of the amount of each transfer, whichever is greater. •Cash Advance Either $5or 3% of the amount of each cash advance, whichever is greater. • Foreign Transaction 2.7% of each transaction afterconversion to US dollars. Penalty Fees • Late Payment Upto $35 • Returned Payment Upto $35 •Overlimit None Howwe calculate interest: We use the Average Daily Balance method (including new transactions). See the How we calculate interest sectioninPart2. Your Billing Rights: See Part 2 for information on how to exercise your rights to dispute transactions. CMAEUAA00000105 Pagel of 11 How Rates and Fees Work Calculating The Annual Percentage Rate( APR) for variable rates is determined by adding an amount( margin) APRs and DPRs to the Prime Rate (see Determining the Prime Rate in Part 2). The Daily Periodic Rate( DPR) is 1/365th of the APR, rounded to one ten - thousandth of percentage point. Rate Description Prime +Margin APR DPR Purchase Prime+ 11.99% 15.24% 0.0417% Balance Transfer Prime+ 11.99% 15.24% 0.0417% Cash Advance Prime + 21.99% 25.24% 0.0691% Penalty Prime+ 23.99% 27.24% 0.0746% PenaltyAPRfor The penalty APR applies to new transactions if: If the Penalty APR applies to a balance, it will newtransactions -you do not pay at leastthe Minimum apply to charges added to that balance 15 or Payment Due by the Payment Due Date 2 more days after we send you notice. times in 12 billing periods, or • yourpaymentis returned by your bank. We will review yourAccount every 6 monthsafter the PenaItyAPR is applied. The PenaltyAPRwill continueto apply until you have made timely payments with no returned payments during the 6 months being reviewed. Penalty APR for If you do not pay at least the Minimum Payment Due within 60 days after its Payment Due Date, we existing balances can applythe penalty APR tothose balances it does notalready applyto. Afteryou payontime for 6 billing periods in a row, the penaltyAPR will no longer apply to those balances (but it may still apply to otherbalances as described above). We add feesto a purchase balance, unlesswe tell you otherwise. Annual Membership Thisfeeisonthe RatesandFees TableonpagelofPartl. Late Payment Up to $35. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $25. If this happens again within the next 6 billing periods, the fee is$35. However, the late feewill not exceed the Minimum Payment Due. Paying late may also result in a Penalty APR. See Penalty APR fornew transactions and PenaltyAPRforexistingba/ances above. Returned Payment Upto $35. If your payment is returned unpaid the firsttime we present itto your bank, the fee is $25. If this happens again within the next6 billing periods, the fee is $35. However, the returned payment fee will not exceed the Minimum Payment Due on the last Payment Due Date before the payment is returned. A returned payment may also result in a Penalty APR. See PenaItyAPR for newtransactions above. Returned Check $38 if you use yourcard to cash a check atone of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None.See Credit limitand cash advance limit inPart2. Statement Copy $5 for each statement you request, except for the 3 most recent billing periods. Account Re- opening $25 ifyourAccount is cancelled, you ask us to re -open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offeror atthe time of a transaction. This fee is a finance charge. We will add itto the same balance as the balance transfer. Cash Advance 3% of thewithdrawal and other services you obtain (including any fee charged by the ATM operator), with a minimum of $5. We will add this fee to the cash advance balance. Foreign Transaction 2.7% of the converted U.S. dollaramount. This fee is a finance charge. See Converting charges made in a foreign currency in Part 2. Part 1, Part 2 and any supplements or amendments make up you r Card member Agreement. CMAEUAA00000105 Page 2 o 11 AM�� EXPRESS Supplementto the CardmemberAgreement How Your Reward Program Works TrueBlue ® program Howyou receive You get 1 TrueBlue point (point) for each $1 Eligible purchases do NOT include: TrueBlue points of eligible spending on your JetBlue ®Credit • fees or interest charges, Card Account (Card Account) . balance transfers, Eligible purchases are purchases for goods • cash advances, and services minus returns and other credits. ' purchases of traveler's checks, • purchases or reloading of reloadable prepaid cards, or • purchases of any cash equivalents. How you receive You get 1 more TrueBlue point for each $1 of You will NOT get bonus TrueBlue points for: bonus TrueBlue points eligible spending on your Card Account for: • a purchase of air travel on a JetBlue flight is • airtravel on a JetBlue flight, made as partof an all- inclusive air package. • purchases of gym membership, • a purchase if a merchant does not submit • purchases at restaurants, the purchase using the correct industry or • purchases at movie theaters, merchant code. A merchant with more than • tickets for sporting events or performances one location may submit purchases using sold by the event venue, theateror different codes. This means that purchases authorized agent, and at some locations qualify for bonus points, • greens fees at golf courses directly billed to but purchases atother locations of the same your Card Account. merchantwill not. When we transfer points You can usethe pointsyou receive after we transfer them toyourJetBlue Programaccount. We transfer points at the end ofthe billing period following the one in which you received them. When you will forfeit You will forfeit points for eligible spending Ifwe cancel your Card Account, youwill lose your TrueBlue points during a billing period if the Minimum Amount any TrueBlue points not already transferred to Due shown on the statement forthat billing yourTrueBlue Program account. period is not paid by the Closing Date of the next billing period. You may reinstate those points within the next24 billing periods if your Card Account is not past due and you pay a $29 fee. Other things you should You will receive Truel3lue poi nts only for We are also not responsible for the actions of know about this program eligible spending intended for personal, JetBlue on your TrueBlue Program account. family or household use. Points are subject to JetBlue's TrueBlue We may change the terms of this program at Program Terms and Conditions. Please visit ourdiscretion. If you violate or abuse this www.jetblue.com forthe terms and conditions program, you may forfeit some or all of your and for details on: points. how to redeem your points, We are not responsible for points after they • JetBlue's right to change its program terms, are credited toyourTrueBlue Program and account. • other conditions and restrictions that may apply to its program. CMAEUAPS0000119 Page 3 of 11 This page intentionally left blank. CMAEUAPS0000119 Page4of 11 AMERICAN EJQ�RE55 Card member Agreement: Part 2 o 2 CD27738 Introduction Aboutyour This document togetherwith Part l makeup the Any supplements or amendments are also part of Cardmem ber Agreement Card member Agreement (Agreement) for the the Agreement. When you use the Account (or you Account identified on page 1 of Part 1. sign or keep the card), you agree to the terms of the Agr eement. Changing the Agreement We may change thisAgreement, subject to to some terms may require 45 days advance notice, applicable law. We may do this in response to the and we will tell you in the notice if you have the right business, legal or competitive environment. to reject change. We cannot change certain terms We cannot increase the interest rate on existing during the first yearof your Cardmembership. balances except in limit c ir cu m s t a nces. Changes Words we use in We, us, and ourmean the issuer shown on page 1 added to yourAccount, such as purchases, cash the Agreement ofPartl. Youand your mean the person who advances, balance transfers, fees and interest applied for this Account and forwhom we opened charges.A purchase is a charge for goods or the Account. You and youralso mean anyone who services.A cash advance is a charge to get cash agrees to pay for this Account. You are the Basic or cash equivalents.A balance transfer isa charge Cardmember. You may request a card for an to pay an amount you owe on another credit card Additional Cardmember (see AboutAdditional account. Cardmembers in Part 2). To paybya certain date means to send your Cardmeans any card or other device that we issue payment so that we receive it and credit it to your to access your Account.A charge is any amount Account by that date (see Aboutyourpayments in Part2). About using your card Usingthecard You may use the card to make purchases. At our Account status orchanges to your card number or discretion, we may permit you to make cash expiration date. You must notify the merchants advances or balance transfers. You cannot transfer directly if you want them to stop charging your balances from any otheraccount issued byusorour Account. affiliates. Keep your card safe and don't let anyone efse use You may arrange for certain merchants to charge it. If your card is lost or stolen oryour Account is yourAccount at regular intervals. We may (but are being used without your permission, contact us right not required to) tell these merchants about your away. You may not use your Account for illegal activities. Promiseto pay You promise to pay all charges, including: • charges you make, even if you do not present your card orsign for the transaction, • charges that other people make if you let them use your Account, and • charges that Additional Cardmembers make or permit others to make. Creditlimit Weassigna Credit Limit to your Account. We may You agree to manage yourAccount so that: and cash advance limit make part of your Credit Limit available for cash your Account balance (including fees and interest) advances( Cash Advance Limit). Theremayalsobe is not more than your Credit Limit, and a limit on the amount you can withdraw from ATMs in your cash advance balance (including fees and a given period. The Credit Limit and Cash Advance interest) is not more than your Cash Advance Limit are shown on page 1 of Part land on each Limit. billing statement. We may approve charges that cause yourAccount We may increase or reduce yourCredit Limit and balance to go overyour Credit Limit. lfwe do this, Cash Advance Limit. We maydo so even ifyou pay we will notcharge an overlimitfee. lfwe askyou to on time and yourAccountis not in default. promptly pay the amount ofyourAccount balance above your Credit Limit, you agree to do so. Declined transactions We may decline to authorize a charge. Reasons we We are not responsible forany losses you incurif maydo this include suspected fraud and our we do not authorize a charge. And we are not assessment of your creditworthiness. This may occur responsible ifany merchant refuses to accept the even ifthe charge would not cause you to go over card. you C r ed it L imit a n d you rA cco unt is not in default. CMAEUACM0000102 Page 5 of 11 About your payments When you must pay You must pay at least the Minimum Payment Due by at least the Minimum Payment Due in such time and the Payment Due Date. The Minimum Payment Due manner bythe Payment Due Date shown on your and Payment Due Date are shown on each billing billing statement. statement. Each statement also shows a Closing Date. The Each statement also states the time and manner by Closing Date is the last day of the billing period which you must make your paymentfor itto be covered by the statement. Each Closing Date is credited as of the same day it is received. Foryour about 30 days after the previous statement's Closing paymentto be considered on time, we must receive D a t e. How to make payments Make payments to us in U.S. dollars with: your billing statement. If we receive itafterthattime, • a single check drawn on a U.S. bank, or we will credit the payment on the day afterwe • a single negotiable instrument clearable through receive it. the U.S. banking system, for example a money If your payment does not meet the above order, or requirements, there may be a delay in crediting your • an electronic payment that can be cleared through Account. This may result in latefees and additional the U.S. banking system. interest charges (see How Rates and Fees Work on When making a payment by mail: page 2 of Part 1). • make a separate payment for each account, If we decide to accept a payment made in a foreign • mail your payment to the address shown on the currency, we will choose a rate to convert your payment eyourAcc on statement, and payment into U.S. dollars, unless the law requires us • write yourAccountnumbermber on y our check or to use a particular rate. negotiable instrument and include the payment coupon. If we process a late payment, a partial payment, or Ifyourpaymentmeetstheaboverequirements ,we payment marked with any restrictive language, that will have no effect on our rights and will not change will credit itto yourAccount as of the day we receive this Agreement. ' it, as long as we receive it by the time disclosed in How we apply payments YourAccount may have balances with different • After the Minimum Payment Due has been paid, and credits interestrates. Forexample, purchases may havea we apply your payments to the balancewiththe lower interest rate than cash advances. If your highest interest rate, and then to balances with Account has balances with different interest rates, lower interest rates. here is how we generally apply payments in a billing In most cases, we apply a credit to the same period: balance as the related charge. Forexample, we • We apply your payments, up to the Minimum apply a credit for a purchase to the purchase Payment Due, first to the balance with the lowest balance. We may apply payments and credits within interest rate, and then to balances with higher balances, and among balances with the same interest rates. interest rate, in any o w e c Aboutyour Minimum Payment Due How we calculate your To calculate the Minimum Payment Due for each Minimum Payment Due statement, we start with the highest of the following EXAMPLE. Minimum PaymentDue three amounts: (1)2 %of the New Balance (excluding late fees on Assume thatyourNewi3alanceis $3,000, the statement); or interest is $29.57 (see the example on the next (2) interest charged on the statement plus 1 %of page), andyou have no late fees oramounts the New Balance (excluding late fees and pastdue. interest on the statement), not to exceed 4 %of (1)2 %x$3,000= $60.00 the New Balance; or (2)$29,57 +I %x($3,000- $29.57) = $59.27 (3) $15. (3) $15.00 Then we add late fees on the statement, round to The highest ofthe three amounts is $60. 00. the nearest dollar, and add any amount past due. So the Minimum PaymentDue is $60.00. However, your Minimum Payment Due will not exceed your New Balance. 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. This may let you make a smaller minimum payment from time to time. But if you then do not regularly pay more than the Minimum Payment Due described above, we will stop adjusting it and return to the formula above. If we start orstop adjusting your Minimum Payment Due, we will do so for at least six billing periods in a row. To adjustthe Minimum Payment Due, we will not exclude late fees from (1) and not add 1 % of the New Balance in (2).Then,if (2) is the highest(butless than 4% of the New 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 next page... CMAEUACM0000102 Page6of 11 AMERICAN EXPRESS ... continued from previous page We will do this if over six billing periods the sum of yourpayments is more than the sum of the Minimum Payments Due (not adjusted, except any amount past due is counted only in the first of those six periods). We will also make the adjustment if over six billing periods the sum of the 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 adjustthe Minimum Payment Due the last time it was not zero. About interest charges When we charge interest We charge interest beginning on the dateof each transaction. You can avoid paying interest on purchases asdescribed below. However, you cannotavoid paying intereston cash advances and balance transfers. If you paythe New Balance on every statement by bythe Payment Due Date, we will not charge the Payment Due Date, we will notcharge interest intereston purchases from the date of your on purchases. payment to the Closing Date of the billing period in If you pay the New Balance on a statement by the which you madethat payment. But we will charge Payment Due Date and then you pay less than the interest on purchases from the beginning of that New Balance on the following statement by the billing period until the date of your payment. Payment Due Date, we will not charge interest on • you pay the New Balance on each of the next two the portion of the purchase balance thatwe apply statements by their Payment Due Dates, we will that payment to. But we will charge intereston not charge interest on purchases on the following unpaid purchases. statement. If you do not pay the New Balance on a statement Also, we will not charge interest on purchases ona by the Payment Due Date and then: statement if the Previous Balance on that statement • you pay the New Balance on the next statement is zero ora credit balance. How we calculate interest We calculate interest for a billing period by first figuring the intereston each balance. Different categories of transactions such as purchases and cash advances may have different interest rates. Balances within each category may also have different interest rates. Weusethe Average Daily Balance method Daily Balance (including new transactions) to figure interest Foreach day a DPR is in effect, we figure the daily charges for each balance. The total interest charged balanceby: for a billing period is the sum of the interest charged takingthe beginning balance for the day, on each balance. adding any new charges, Interest subtracting any payments or credits; and The interest charged fora balance in a billing period, making any appropriate adjustments. except for variations caused by rounding, equals: Weaddanewchargetoa daily balanceasofits • Average Daily Balance( ADB) x transaction date. • Daily Periodic Rate( DPR)x Beginning balance - number of days the DPR was in effect. Forthe first day of a billing period, the beginning ADB balance is the ending balance forthe prior billing TogettheADBfora balance,we add up its daily period, including unpaid interest. Forthe restof the balances. Then we divide the resultbythe number billing period, the beginning balance is the previous of days the DPRforthat balance was in effect. If the day's daily balance plus an amount ofinterest equal daily balance is negative, we treat itas zero. to the previous day sdailybalance multipliedby the DPR DPRforthatbalance . This method of figuring the ADPRis 1/365thofanAPR, rounded to one ten- beginning balance results in daily compounding of thousandth of a percentage point. You rDPRsare interest. shownin How Rates and Fees Work onpage2of When an interest rate changes, the new DPR may Part 1. come into effect during not just atthe beginning ofthe billing period. When this happens, we will EXAMPLE. Calculating Interest create anew balance and apply the new DPR to it. Assume thatyou have a single interest rate of To get the beginning balance on the first day forthis 15. 99 %,yourADBis$2,250 and there are 30 new balance, we multiply the previous day's daily days in the billing period. balance by the old DPR and add the result to that The DPRis 15.99% + 365 days= 0.0438% day's daily balance. ods l nterestis$2,250x0.0438 %x30days= $29.57 �th To figgure ure the ADB and interest charges, we may use other formulas or methods that produce equivalent results. Also, we may choose not to charge interest o ce rt a in typ o c CMAEUACM0000102 Page 7 of 11 Determiningthe We use the Prime Rate from the Money Rates use the Prime Rate from any other newspaper of Prime Rate section (or successor section) of The Wall Street general circulation in New York, New York. Orwe Journal. The Prime Rate for each billing period is the may choose to use a similar published rate. Prime Rate published in The Wall Street Journal 2 If the Prime Rate increases, variable APRs (and days before the Closing Date of the billing period. corresponding DPRs) will increase. In that case, you The Wall Street Journal may not publish the Prime may pay more interest and may have a higher Rate onthatday .Ifit does not, wewill use the Prime Minimum Payment Due. When the Prime Rate Rate from the previous day it was published. If The changes, the resulting changes to variable APRs Wall Street Journal is no longer published, we may take effect as of the first day of the billing period. Other important information About Additional At your request, we may issue cards to Additional You authorize us to give Additional Card members Cardmembers Cardmembers. They do not have accounts with us information about your Account and to discuss it but they can use your Account subject to the terms withthem. of this Agreement. You are responsible for all use of If you want to cancel an AdditionalCardmember's yourAccount by Additional Cardmembers and right to use your Account (and cancel their card) you anyone they allow to use yourAccount. You must must tell us. pay for a ll c t m ake. Converting charges made If you make a charge in a foreign currency, we will interbankratewe identify from customary banking in a foreign currency convert it into U.S. dollarson the datewe orour sources on the conversion date orthe prior business agents process it. Unless a particular rate is day. This rate may differfrom rates thatareineffect required by law, we will choose a conversion rate on the date of yourcharge. Wewill bill charges that is acceptable to usforthatdate. The rate we converted by establishments (such as airlines) atthe use is no more than the highestofficial rate rates they use. published by a govern age or the highest Changing your You must notify us immediately if you change the: If you have more than one account, you need to billing address mailing address to which we send billing notify us separately for each account. statements; or We may update your billing address if we receive • e -mail address to which we send notice that your information that it has changed or is incorrect. billing statement is available online. Closing your Account You may close yourAccount by calling us orwriting to us. Cancelling orsuspending We may: We may do any of these things at our discretion, yourAccount cancel your Account, even if you pay on time and yourAccount is not in • suspend the ability to make charges, default. • cancel or suspend any feature on your Account, If yourAccount is cancelled, you must destroy your and cards. We may agree to reinstate yourAccount after • notify merchants that your Account has been a cancellation. If we do this, we may: cancelledorsuspended. reinstate any additional cards issued on your If we do any of these, you muststill pay us forall Account, charges under the terms of this Agreement. charge you any applicable annual fees, and • charge you a fee for reinstating the Account. About default We may consider your Accountto be in default if: If we consideryour Account in default, we may: • you violate a provision of this Agreement, suspend your ability to make charges, you give us false information, cancel or suspend any feature on your Account, • you file for bankruptcy, require you to pay more than your Minimum • you default under another agreement you have Payment Due immediately, and with usoran affiliate, require you to pay yourAccount balance • you become incapacitated or die, or immediately. • we believe you are unable or unwilling to pay your debtswhen due. Collection costs You agreeto payall reasonable costs, including attorneys'fees, thatwe incurto collect amounts you owe. Creditreports You agreethatwe mayobtain credit reports about term of this Agreement. This may have a negative you, investigate your ability to pay, and obtain impacton your credit record. information about you from othersources. And you If you believe information we have given to a credit agree thatwe may use such information for any reporting agency is incorrect, write to us at: purposes, subject to applicable law. American Express Credit Bureau Unit, P.O. Box You agree thatwe maygive information aboutyour 981537, El Paso, TX 79998 -1537. When you write Accountto credit reporting agencies. We may tell a to us, tell us yourAccount number and the specific credit reporting agency if you fail to comply with any information you believe is incorrect. CMAEUACM0000102 Page 8 of 11 E ' ARCAN EXPRESS Sending you notices We mail you notices through the U.S. mail, postage prepaid, and address them to you at the latest billing address on our records. Any notice that we send you this way is deemed to be given when deposited in the U.S. mail. Wemaycontactyou From time to time, we may contactyou about topics to ensure the quality of customerservice orwhen it ranging from servicing to marketing offersto is required by law. 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 ) and us. Wedothis www.am /communications About insurance products We or our affiliates may tell you about insurance and oranother affiliate is the insurer or reinsurer. non - insurance products, services orfeatures that Compensation may influence what products and may have a fee. One of our affiliates may acton providers we or our affiliates tell you about. behalf of a provider of these products. The affiliate We may share information about you with our may be compensated for this. The insurance affiliates so they can identify products that may products are not offered or sold by us or on our interest you. We may be compensated forthis behalf. Our affiliates may get additional 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 debits from your checking electronically deduct the amount from your bank or your bank or other asset account on the same day account other asset account. we receive your check. Also, you will not receive We may process the check electronically by that cancelled check with your bank or asset transmitting to yourfinancial institution: account billing statement. • theamount, If we cannot collect the funds electronically, we may • the routing number, issue a draft against your bank orotherasset • the account number, and account for the amount of the check. • the check serial number. ExpressPay Cards issued on your Account maybe equipped with ExpressPay. ExpressPay enables you to make charges without having the card swiped or imprinted. You can callus to deactivate ExpressPay at any time. Also, we may deactivate ExpressPayat any Privacy Act of 1974 notice Some federal agencies may accept the card under authority of statute. When you make charges atthese agencies, we collect certain charge information. That information maybe put to routine uses such as processing, billing and collections. It may also be aggregated for reporting, analysis and marketing use. Other routine uses by agencies maybe published in t he Fede Reg Convenience checks Convenience checks (including balance transfer add the fee to the same balance thatwe add the checks) are checks that we may send you to access convenience check transaction to. your Account. The following terms will apply to use Wewill charge $29 each timeyou ask usto stop of those checks unless otherwise disclosed with the payment on a convenience check. check. A convenience check is not card. You may not use If you use a convenience check, we may decline it. If convenience checks to pay this orany other account we decline it, you may have to pay returned check with us or our affiliates. If you use a convenience fees or other penalties to whomever you wrote the check, we will apply the: check. cash advance APR if you make it payable to cash, If you use a convenience check and we honor it, we to you, orto a bank, brokerage orsimilarasset will charge interest beginning as of the date we account, orto a mortgage orinsurance provider. receive the check. You cannot avoid paying interest purchase APR if you make it payable toa on convenience check transactions. merchant. Wewill charge a fee foreach convenience check balance transferAPR if you use ittotransfera transaction. This fee is 3% of the transaction, with a balance from another creditor. minimum of $5. This fee is a finance charge. We will penalty APR if itapplies to yourAccount. Changing benefits We havethe righttoadd, modify ordelete any benefit, service, orfeature of your Account at our discretion. Assigning the Agreement We maysell, transfer or assign thisAgreement and yourAccount. We may do so at anytime without notifying you. You may notsell, assign ortransferyourAccountor any of yourobligations underthis Agreement. Assigning claims Ifyou disputea chargewith a merchant, we may creditthe Account for all orpartof the disputed charge. If we do so, you assign and transferto us all rights and claims (excluding tort claims) against the merchant. You agree that you will not pursue any claim against the merchant forthe credited amount. And you must cooperate with us if we decide to do so. CMAEUACM0000102 Page 9 of 11 We do not waive our rights We may choose to delay enforcing orto not exercise rights under this Agreement. If we do this, we do not waive our rights to exercise o them on any ot occas Governing law Utah law and federal law govern this Agreement and your Account. They govern without regard to internal principles of conflicts of law. We are located in Utah. We hold your Account in Utah. We entered into this Agreementwith you i n U t a h. Arbitration This Arbitration provision sets forth the any claim thatyou properly file and pursue in RIGHT ORAUTHORITY FOR ANY CLAIMS circumstances and procedures underwhich a small claims courtof yourstate or TO BE ARBITRATED ON A CLASS ACTION claims may be arbitrated instead of litigated in municipalityso long as the claim is individual BASIS OR ON BASES INVOLVING CLAIMS court. and pending only in that court. BROUGHT IN A PURPORTED Definitions Initiation of Arbitration REPRESENTATIVE CAPACITY ON BEHALF As used in this Arbitration provision, the term Any claim shall be resolved, upon theelection OF THE GENERAL PUBLIC, OTHER claim means any claim, dispute or by you or us, by arbitration pursuant to this CARDMEMBERSOROTHERPERSONS controversy between you and us arising from Arbitration provision and the code of SIMILARLY SITUATED. The arbitrator's or relating to yourAccount, this Agreement, procedures of the arbitration organization to authority to resolve claims is limited to claims the Electronic Funds Transfer Services which the claim is referred in effect at the time between you and us alone, and the Agreement, and any other related or prior the claim isfiled ( code), except to the extent arbitrator's authority to make awards is limited agreement that you may have had with us, or the code conflicts with this Agreement. to awards to you and us alone. Furthermore, the relationships resulting from any of the Claims shall be referred to either JAMS or the claims brought by you against us, or by us above agreements, exceptforthe validity, American Arbitration Association ( AAA), as against you, may not bejoined or enforceability or scope of this Arbitration selected by the party electing to use consolidated in arbitration with claims brought provision. For purposes of this Arbitration arbitration. If our selection of either of these by or against someone other than you ,unless provision, youand usalso includes any organ ization s is unaccepta ble to you, you ag reed to in writing by all parties. No corporate parent, or whol ly or majority owned may select the other organ ization with i n 30 arbitration award or decision wil I have any subsidiaries, affiliates, any licensees, days afteryou receive notice of ourselection. preclusive effect as to issues or claims in any predecessors, successors, assigns, any Fora copyof the code, to file a claim orfor dispute with anyone who is nota named party purchaser of any accounts, all agents, other information, contact either: JAMS (1920 to the arbitration. Notwithstanding any other employees, directors and representatives of Main St #300, Irvine, CA 92614 or provisionofthisAgreement (includingbutnot any of the foregoing, and other persons jamsadr.com) orAAA (335 Madison Ave, limited to the Continuation subsection below) referred to below in the definition of claims. New York, NY 10017oradr.org). and without waiving either party's right to Claim includes claims of every kind and appeal such decision, should any portion of nature, including but not limited to, initial In addition tothe organizations listed above, this Restrictions on Arbitration subsection be claims, counterclaims, cross-claimsand third- claims may be referred toanyother deemed invalid or unenforceable, then the party claims and claims based upon contract, arbitration organization that is mutually entire Arbitration provision (otherthan this tort, fraud and other intentional torts, statutes, agreed upon in writing byyou and us, orto an sentence) shall not apply. regulations, common law and equity. Claim arbitration organization orarbitrator(s) Arbitration Procedures appointed pursuantto § 5 of the Federal also includes claimsbyoragainstanythird ArbitrationAct ,9U.S.C. § §1- 16,asitmaybe This Arbitrationprovisionismadepursuantto party using orproviding any product, service amended ( FAA), provided thatany such transactions involving interstate commerce orbenefit in connection with any account zationand and shall be governed by the FAA. The ( including, but not limited to, credit bureaus, termsorganization of Restrictions so on will arbitration shall be governed by the applicable third parties who accept the card, third parties subsection set forth be code, except that this Agreement shall apply if who use, provide or participate in fee -based ubsecbelsow. there are any conflicts. The arbitratorshall orfree benefit programs, enrollment services Significance of Arbitration apply applicable substantive law consistent and rewards programs, credit insurance I F ARBITRATION IS CHOSEN BY ANY with the FAA and applicable statutes of companies, debt collectors and all of their PARTYWITH RESPECT TO A CLAIM, limitations, shall honorclaimsof privilege agents, employees, directorsand NEITHERYOU NORWEWILL HAVETHE recognized at law, and, atthe timelyrequest representatives) if and only if, such third party RIGHTTO LITIGATE THAT CLAIM IN of either party, shall provide a brief written is a party in connection with the claim. The COURT OR HAVE A JURY TRIAL ON THAT explanation of the basis for the decision. The term claim is to be given the broadest CLAIM. FURTHER, YOU AND WE WI LL arbitration proceeding shall not be governed possible meaning that will be enforced and NOT HAVETHE RIGHTTO PARTICIPATE byanyfederal orstate rulesof civil procedure includes, byway of example and without INA REPRESENTATIVE CAPACITYORAS orrulesof evidence. Anyparty mayrequest limitation, anyclaim, dispute or controversy A MEMBER OFANY CLASS OF thatthe arbitrator expand the scopeof thatarisesfrom orrelatesto (a)anyofthe CLAIMANTS PERTAINING TOANYCLAIM discovery bydoing so in writing and copying accountscreated underanyof the SUBJECT TO ARBITRATION. EXCEPTAS any other parties, whoshall have 15daysto agreements, oranybalancesonanysuch SETFORTH BELOW, THEARBITRATOR'S make objections. The arbitrator will notify the accounts, (b) advertisements, promotions or DECISION WILL BE FINALAND BINDING. partiesofhis /her decision within 20 days of oralorwritten statements related to any such NOTETHATOTHERRIGHTSTHATYOU anyobjecting party's submission. The accounts, goods or services financed under ORWE WOULD HAVE IF YOU WENTTO arbitratorshall take reasonable stepsto any of the accounts orthe terms of financing, COURTALSO MAY NOT BE AVAILABLE IN preserve privacy. The arbitrator's award shall (c) the benefits and services related to ARBITRATION. be final and binding, except for any right of Cardmembership (including fee -based orfree Restrictions on Arbitration appeal provided bythe FAA; however, either benefit programs, enrollment services and IF EITHER PARTYELECTSTO RESOLVE A Party shall have 30daystoappeal that rewards programs), and (d) your application CLAIM BYARBITRATION, THATCLAIM decision by notifying the arbitration forany account. We shall not elect to use SHALL BE ARB ITRATED ON AN organization and any other parties in writing. arbitration under this Arbitration provision for INDIVI DUAL BAS IS. THERE SHALL BENO continued on next page... CMAEUACM0000102 Page 10 of 11 AMEEtICAIV ...continued from previous page Payment of Fees arbitration with us. The organization will then appoint a three- You will be responsible for paying your share, Continuation arbitrator panel which shall consider anew if any, of the arbitration fees (including filing, This Arbitration provision shall survive any aspect of the decision objected to by the administrative, hearing and /orotherfees), but termination of yourAccount; voluntary appealing party. The panel shall issue its only up to the amount of the filing fees you paymentof the Account balance in full by you; decision, by majorityvote, within 120 days of would have incurred if you had brought a any legal proceeding byyou orus to collecta the appealing party's written notice. Judgment claim in the state orfederal court closestto debt owed bythe other; any bankruptcy by upon any award rendered bythe arbitratoror yourbilling address that would have had you orus; and any sale byus ofyourAccount panel may be entered in any court having jurisdiction. We will be responsible for any (in the case of a sale, its terms shall apply to jurisdiction. additional arbitration fees. At your written the buyer of your Account). If any portion of Location of Arbitration request, wewill considerin good faith making this Arbitration provision, exceptas otherwise a temporary advance of all orpartofyour rovided in the Restrictions on Arbitration Arbitrationheeralattend share of any arbitration fees. You will not be p place in the federal judicial of your our assessed any arbitration in excess of subsection, is deemed invalid or ass residence. ass s seda yo ation e es xc unenforceable, it shall not invalidate the remaining portions of this provision. YourBilling Rights :Keep this Document for Future Use This notice tells you about your rights and our Whilewe investigate whetherornot there Your Rights If You Are Dissatisfied With responsibilities undertheFairCreditBilling has been an error: YourCredit Card Purchases Act. We cannottry to collectthe amount in If you are dissatisfied with the goods or WhatTo Do If You Find a Mistake on Your question, orreportyou as delinquenton services that you have purchased with your 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 interest on that amount. amount due on the purchase. PO Box 981535 While you do not have to pay the amount in To use this right, all of the following must be El Paso TX 79998 -1535 question, you are responsible for the true: In your letter, give us the following remainder of your balance. 1. The purchase must have been made in • We can apply any unpaid amount against your home state orwithin 100milesofyour information: your credit limit. • Account information: Yourname and current mailing address, and the purchase accountnumber. Afterwe finish our investigation, one oftwo price must have been more than $50. • Do / /aramount: The dollar amount ofthe things will happen: (Note: Neitherofthese are necessary if suspected error. Ifwe made amistake :You will not haveto your purchase was based on an • Description ofprob /em:lfyou think there is pay the amount in question orany interest advertisement we mailed to you, orifwe an error on your bill, describe what you or other fees related to that amount. own the company that sold you the goods believe is wrong and why you believe it is a lfwe do not believe there was a mistake orservices.) mistake. You will haveto paythe amount in 2. You must have used your credit card for question, along with applicable interest and the purchase. Purchases made with cash You must contact us: fees. We will send you a statement ofthe advances from an ATM or with a check that • Within 60 days after the error appeared on amount you owe and the date payment is accesses your credit card account do not yourstatement. due. We may then report you as delinquent qualify. • At least 3 business days before an ifyou do not pay the amount we think you 3. You must not yet have fully paid forthe automated payment is scheduled, ifyou owe. purchase. want to stop payment on the amount you thinkiswrong. Ifyou receive ourexplanation but still believe Ifall ofthe criteria above are metand you are your bill iswrong, you mustwrite to uswithin still dissatisfied with the purchase, contactus You must notify us ofany potential errors in 10 days telling us thatyou still refuseto pay. in writing at: writing. You may call us, but if you do we are If you do so, we cannot report you as American Express not required to investigate any potential del i nquent without also reporting that you are PO Box 981535 errors and you may have to pay the amount questioning your bill. We must tell you the El PasoTX79998 -1535 in question. name ofanyone to whom we reported you as While we investigate, the same rules apply to What Will Happen After We Receive Your delinquent, and we must letthose the disputed amount as discussed above. Letter organizations know when the matter has Afterwe finish our investigation, we will tell When we receive your letter, we must do two been settled between us. you our decision. At that point, ifwe think you things: Ifwedo not follow all ofthe rules above, you owe an amount and you do not pay, we may 1. Within 30 days ofreceiving your letter, we do not have to pay the first $50 ofthe amount report you as delinquent. must tell you that we received your letter. you question even ifyour bill is correct. We will also tell you if we have already corrected the error. 2. Within 90 days ofreceiving your letter, we must either correct the error or explain to you why we believe the bill is correct. CMAEUACM0000102 Page 11 of 11 EXHIBIT `B" JetBl Card from American Express T R U E I jetBlue P. 1/9 �ERIfAN� ue B L U E EXPRESS KAREN C ALBRIGHT Closing Date 07/09/12 Account Ending 8 -22007 Earn TrueBlue® points on New Balance $1,254.39 virtually all purchases. Minimum Payment Due $355,00 visit americanexpress .com /jetbluetolearn more! Payment Due Date 08/03/12 Account Summary Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $951.67 the Payment Due Date listed above, you may have to pay a late fee of up to Payments /Credits - $5,143.15 $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24%. New Charges +$5,445.87 Fees +$0.00 Interest Charged +$0.00 Minimum Payment Warning: If you make only the minimum payment each period, New Balance $1,254.39 you will pay more in interest and it will take you longer to pay off your balance. For Minimum Payment Due $35.00 example: Credit Limit $1,300.00 If you make no additional You will pay off the balance And you will pay an Available Credit $45.61 charges and each month you shown on this statement in estimated total of pay... about... Cash Advance Limit $200.00 Available Cash $45.61 Onlythe Minimum Payment Due 4years 1,687 Days in Billing Period: 31 1,571 Cu stomer Care 44 3 years (Savings= 116) If you would like information about credit counseling services, call 1- 888 - 733 -4139. PaybyComputer americanexpress.com/pbc P Seepage 2 for important information about your account. Customer Care Pay by Phone 1- 800 - 906 -8864 1- 800 - 472 -9297 D See page 2 for additional information. Use your smartphone to see the 0 0 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. + Please fold on the perforation below, detach and return with your payment + Payment Coupon PaybyComputer �PaybyPhone Account Ending 8-22007 Do not staple or use paper clips amencanexpress.com /pbc 1- 800 -472 -9297 Enter account number on all documents. Make check payable to American Express. KAREN C ALBRIGHT 10 SMILEY DR Payment Due Date MECHANICSBURG PA 17050 -1534 08/03/12 New Balance $1,254.39 I�i�ll�n��lnnl�lil�u�n�ll��ln�ll��lnl�ul�ll�nu�l�l Minimum Pa Due $35.00 AMERICAN EXPRESS $ ❑ Check here if your address or P.O. BOX 1270 Amount Enclosed phone number has changed. NEWARK NJ 07101 -1270 Note changes on reverse side. 111 1111 111 1 11111 I11111111I111 11111 111 1111I I111 1111 111111 0000349991432395911 000125439000003500 05 d KAREN C ALBRIGHT Account Ending 8 -22007 p. 2/ 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 clearable through the US banking system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting maybe delayed and you may incur late payment fees and additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system. If we accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unless 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 payment from your depositor other asset account. We will process checks electronically by transmitting the amount of the check, routing number, account number and check serial number to yourfinancial institution, unless the check is not processable electronically or a less costly process is available. When we process your check electronically, your payment maybe withdrawn from your depositor other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your deposit or other asset account statement. If we cannot collect the funds electronically we may issue a draft against your depositor 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 depositor 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 and interest results in dailycompounding of 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 chargea 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- 800 - 906 -8864 Hearing Impaired Website: americanexpress.com International Collect 1- 336 - 393 -1111 TTY: 1-800-221-9950 Mobile Site: amexmobile.com Large Print& Braille Statements 1- 800 - 906 -8864 FAX: 1-800-695-9090 Lost or Stolen Card 1- 800 - 992 -3404 In NY: 1-800-522-1897 Customer Care Express Cash 1- 800 - CASH -NOW & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998 -1535 07101 -1270 Change of Address If correct on front, do not use. Pay Your Bill With AutoPay • To change your address online, visit www. americanexpress .com /updatecontactinfo • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. Avoid late fees • Please print clearly in blue or black ink only in the boxes provided. Save time Deduct your payment from your bank Street Address account automatically each month Visit americanexpress.com /autopay City, State today to enroll. Zip Code Area Code and Home Phone Area Code and Work Phone For information on how we protect your privacy and to set your communication Email and privacy choices, please visit www.americanexpress.com/privacy. JetBlue Card from American Express T R U E I jetBlue p . Sig wv,ER,cnry B L U E EXPRESS KAREN C ALBRIGHT Closing Date 07/09/12 Account Ending 8 -22007 Payments and Credits Summary Total Payments - $4,860.96 Credits - $282'19 Total Payments and Credits - $5,143.15 Detail *Indicates posting date Payments Amount 06/12/12* ON LINE P -THANK YOU - $1,500.00 06/16/ ONLINE PAYMENT-THANK YOU - $ 560.96 06/ 22 / 12* ONLINE PAYMENT -THANK YOU - $300.00 06/23/12* ONLINE PAYMENT -THANK YOU - $300.00 06 ONLINE PAYMENT-THANK YOU - $1,000.00 07/03/12* O N L INE PAYMENT-THANK Y - $700.00 0 7 / 07 / 12* ONLINE PAYMENT-THANK YOU - $ 500.00 Credits Amount 06/08/12 WAL -MART STORE #2161 PLEASANTON CA -$5.44 DISCOUNT STORE 06/09/12 MACY'S #333 PLEASANTPLEASANTON 1 CA - $36.70 MACY'S Description Price MERCHANDISE $36.70 06/09/12 MACY'S #333 PLEASANTPLEASANTON 1 CA - $93.80 MACY'S Description Price MERCHANDISE $93.80 06/ 22 /12 WWW.ADVANCEAUTOPARTSROANOKE VA -$6.36 87 06/30/12 CHICO'S #1122 000001 CAMP HILL PA - $139.89 8888554968 Description Womens Apparel New Charges Summary Total Total New Charges $5,445.8 Detail KAREN C ALBRIGHT Card Ending 8 -22007 Amou 06/07/12 EBAYS HALF.COM SAN JOSE CA $4.24 800 - 545 -9857 Description DIRECT MARKETE Continued on reverse KAREN C ALBRIGHT Account Ending 8 -22007 p. 4/9 Detail Continued Amount 06/09/12 NORDSTROM 430 0430 PLEASANTON CA $181.50 DEPARTMENTSTORE Description MENS SPECIALIZD 06/09/12 NORDSTROM 430 0430 PLEASANTON CA $36.98 DEPARTMENT STORE Description RAIL 06/09/12 USPS 056138025508581 PLEASANTON CA $102.03 800 - 2758777 06/11/12 THRIFTY CAR RENTAL OOAKLAND CA $600.51 Location Date Rental: OAKLAND AIRPORT CA 12/05/19 Return: OAKLAND AIRPORT CA 12/06/10 Agreement Number: V01 048386 Renter Name: ALBRIGHT 06/12/12 INHOUSE HEALTH DRUG AUCKLAND NZ $51.70 CATALOG MERCHANDISE 06/12/12 PETCARERX INC 0366 LYNBROOK NY $77.98 800 - 844 -1427 Description DRUGS AND SUND 06/13/12 CHICOS- DIRECT #801 FORT MYERS FL $190.29 8888554986 Description Clothing & Accessor 06/14/12 WEGMANS #45 000000045854644600 $43.26 585464 06/14/12 GROUPON INC 877 - 788 -7858 IL $35.00 COUPONS 06/14/12 TURKEY HILL #0268 Q8005380705 $32.57 8005380705 AUTOMATED FUEL 06/16/12 GIANT 6005 MECHANICSBURG PA $67.99 GROCERYSTORE 06/16/12 EBAY INC. 0000 SAN JOSE CA $777 886 -285 -8380 Description EBAY.COM /CC888 06/18/12 TURKEY HILL #0268 Q8005380705 $28.25 8005380705 AUTOMATED FUEL 06/18/12 USPS.COM CLICK100611WASHINGTON DC $4.90 800 - 3447779 06/19/12 WALMART.COM BENTONVILLE AR $23.66 800 - 966 -6546 Description APPAREL HSWRS/ 06/19/12 WEGMANS #45 000000045854644600 $60.89 585 4 6 44600 06/20/12 USPS 412524002100472ENOLA PA $53.20 800- 2758777 Continued on next page AMERICAN JetBlue Card from American Express B R U E I jetBlue p . 5/g DCPRE55 KAREN C ALBRIGHT Closing Date 07/09/12 Account Ending 8 -22007 Detail Continued Amount 06/20/12 WAL -MART SUPERCENTERMECHANICSBURG PA $18.62 DISCOUNT STORE 06/22/12 BLACK N BLEU 8843010MECHANICSBURG PA $22.01 RESTAURANT TIP $3.00 06/22/12 WWW.ADVANCEAUTOPARTSROANOKE VA $52.11 8 772 38 262 3 06/22/12 RITEAID7783 RITE AIMECHANICSBURG PA $35.49 D R U G S T O RE /PHARMA 06/22/12 BEDBATH &BEYOND #0651 TOTOWA NJ $41.32 973 - 785 -4333 06/22/12 CHICO'S #503 0000005HARRISBURG PA $250.40 8888554968 Description Womens Apparel 06/23/12 WAWA 8021 QUAKERTOWN PA $27.26 GAS STATION Quantity Description Price 8 FUEL $3.34 06/23/12 WAWA 8021 QUAKERTOWN PA $13.43 GAS STATION Description Price MERCHANDISE $13.43 06/24/12 WEGMANS #45 000000045854644600 $8.05 5854644600 06/25/12 PTC EZ PASS AUTO RE HARRISBURG PA $35.00 877 - 736 -6727 Description DIRECT MARKETE 06/25/12 EBAY INC.0000 SAN JOSE CA $969.24 886 - 285 -8380 Description EBAY.COM /CC888 06/26/12 THE HARTFORD /AARP 800 - 423 -6789 CT $95.28 800 -423 -6789 06/26/12 CHICO S- DIRECT #801 FORT MYERS FL $9.49 8888554986 Description Clothing & Accessor 06/27/12 TURKEY HILL #0268 Q8005380705 $29.27 8005380705 AUTOMATED FUEL 06/29/12 AMAZON MKTPLACE PMTSAMZN.COM /BILL WA $21.96 MERCH 06/29/12 AMAZON MKTPLACE PMTSAMZN.COM /BILL WA $43.99 MERCHANDISE 06/30/12 AOL SERVICE 800 - 827 -6364 NY $14.95 ASSIST.AOL.COM Continued on reverse KAREN C ALBRIGHT Account Ending 8 -22007 P. 6/9 Detail Continued Amount 07/03/12 GROUPON INC 877 - 788 -7858 IL $90.00 COUPONS 07/03/12 VERIZON ONETIMEPAY VERIZON.COM TX $590.25 PHONE SRV 07/04/12 WEGMANS #45 000000045854644600 $57.75 5854644600 07/05/12 ATTBILLPAYMENT 800 - 288 -2020 TX $533.84 AT &TPAYMENT 07/05/12 USPS.COMCLICK100611WASHINGTON DC $62.49 800 - 3 07/06/12 WEGMANS #45 000000045854644600 $21.06 5854644600 07/08/12 REDNERS QK SHP #30 OSTEVENS PA $29.93 61092637 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 $0.00 Total Interest in 2012 $0.00 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 15.24% (v) $0.00 $0.00 Cash Advances 25.24% (v) $0.00 $0.00 Tota $0.00 M Variable Rate TrueBlue® Program jetBlue p'' /9 owr�ess AIRWAYS' Prepared for KAREN C ALBRIGHT Account Number 1M57328681 Questions About Your Account? TrueBlue Points Earned 4,529 americanexpress.com /jetblue TrueBlue Points Transferred this Period 5,082 Intern attional ional64 ntern Collect: 1- 336 - 393 -1111 Did You K now? Account Summary May 1, 2012- May 31, 2012 EXCLUSIVE CARDMEMBER BENEFITS Prior Month Points Balance 5,082 Learn more about your travel, shopping and account protections that come with TrueBlue Points Earned +4,529 Cardmembership. Learn more at amencanexpress.com /jetblue TrueBlue Points Transferred -5,082 AMERICAN EXPRESS SELECTS® TrueBlue Points Adjusted 0 Enjoy exclusive savings when you use your Card at select merchants. TrueBlue Points Remaining 4,529 Visit americanexpress.com /selects for more details. Points are available when a minimum payment has been made and all your accounts are in good standing. Earn Bonus TrueBlue Points on all eligible spend and get to your next Award flight even faster! Points Transaction Detail May 1, 2012 - May 31, 2012 TrueBlue Points Earned TrueBlue Points Bonus Promotional Bonus Total TrueBlue Ea On Elig Tr Points TrueBlue Points Points Earned JetBlue Card 4,103 426 0 4,529 XXXX- XXXXX8 -22007 Total 4,103 426 0 4,529 TrueBlue Points Transferred TrueBlue Points Transferred Transferred Date TrueBlue 5,082 5/12/12 Account number 2047984866 Total 5,082 On a monthly basis, we will transfer your TrueBlue Points Earned into your TrueBlue Program account if you have made at least the minimum payment due and all your accounts are in good standing. If you have questions, please visit www.americanexpress.com /jetblue or call 1- 800 - 906 -8864. From overseas, call collect 1- 336 - 393 -1111. Prepared for KAREN C ALBRIGHT jetBlue P 819 Truel3lue Points Number 1 M57328681 AIRWAYS' JetBlue Card from American Express B R U E I jetBtue P g/g I KAREN C ALBRIGHT Closing Date 07/09/12 Account Ending 8 -22007 GET $100 OFF A VACATION PACKAGE jetBlue Book a 4 -night minimum stay JetBlue Getaways vacation package and save $100 GETA 7MS by using promo code AMEM 00 at checkout. Book today at jetbtue.com /getaways Book 6/25/12 - 8/15/12 for travel 6/25/12 - 116/13. Restrictions apply. See jetblue.com /getaways P01MARR:0001 1 ' 1 I Enjoy daily sh opping events featuring top designer b incr prices, plus FREE SHIPPING on qualifying orders 0 — f •• o Become a member of vente-privee today at vente-privee • � A �,, ",'fir .,ti! American Express ..✓ Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. /WIERIfRN JetBlue Card from American Express B R U E I jetBlUe P. 1/11 DfPRE55 KAREN C ALBRIGHT Closing Date 08/09/12 Account Ending 8 -22007 Earn TrueBlue® points on New Balance $935.60 virtually all purchases. Minimum Payment Due $35.00 visit americanexpress .corn/jetbluetolearn more! Payment Due Date 09/03/12 Account Summary Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $1,254.39 the Payment Due Date listed above, you may have to pay a late fee of up to Payments /Credits - $ 4,103.33 $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24%. New Charges +$3,784.54 Fees +$0.00 Interest Charged +$0.00 Minimum Payment Warning: If you make only the minimum payment each period, [New Balance $935.60 you will pay more in interest and it will take you longer to pay off your balance. For Minimum Payment Due $35.00 example: Credit Limit $1,300.00 If you make no additional You will payoff the balance And you will pay an Available Credit $364.40 charges and each month you shown on this statement in estimated total of pay about Cash Advance Limit $200.00 ... ... Available Cash $200.00 Only the Y Minimum Payment Due 3 ears 1,151 Days in Billing Period: 31 If you would like information about credit counseling services, call 1- 888 - 733 -4139. Customer Care P Seepage 2 for important information about your account. Pay by Computer amencanexpress.com/pbc See Pagel for important Information Regarding Benefits Customer Care Pay by Phone Underwritten by AMEX Assurance Company. 1 -800- 906 -8864 1 -800- 472 -9297 See page 2 for additional information. Continued on Page 3 + Please fold on the perforation below, detach and return with your payment + ® PaymentCoupon Pay by Computer Pay by Phone Account Ending 8 -22007 Do not staple or use paper clips im amerlcanexpress.com /pbc 1- 800 -472 -9297 Enter account number on all documents. Make check payable to American Express. KAREN C ALBRIGHT 10 SMILEY DR Payment Due Date MECHANICSBURG PA 17050 -1534 09/03/12 New Balance $935.60 Minimum Pa Due $35.00 AMERICAN EXPRESS $ ❑ Check here if your address or P.O. BOX 1270 • phone number has changed. NEWARK NJ 07101 -1270 Amount Enclosed Note chan on reverse side. 0000349991432395911 000093560000003500 05 d KAREN C ALBRIGHT Account Ending 8 -22007 p. 2/ 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 clearable through the US banking system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system. If we accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unless a particular rate is required by law. 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 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 yourfinancial institution, unless the check is not processable electronically or a less costly process is available. When we process your check electronically, your payment maybe withdrawn from your depositor other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your depositor other asset account statement. If we cannot collect the funds electronically we may issue a draft against your depositor 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 depositor 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 dailycompounding of 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 chargea 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- 800 - 906 -8864 Hearing Impaired Website: americanexpress.com International Collect 1- 336 -393 -1111 TTY: 1-800-221-9950 0 Mobile Site: amexmobile.com Large Print & Braille Statements 1- 800 - 906 -8864 FAX: 1-800-695-9090 Lost or Stolen Card 1- 800 - 992 -3404 In NY: 1-800-522-1897 Customer Care Express Cash 1- 800 -CASH -NOW & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998 -1535 07101 -1270 Change of Address If correct on front, do not use. Pay Your BIII With AutoPay • To change your address online, visit www. americanexpress .com /updatecontactinfo • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. Avoid late fees • Please print clearly in blue or black ink only in the boxes provided. Save time Deduct your payment from your bank Street Address account automatically each month Visit americanexpress.com /autopay City, State today to enroll. Zip Code Area Code and Home Phone Area Code and Work Phone For information on how we protect your privacy and to set your communication Email and privacy choices, please visit www.americanexpress.com/privacy. � M - ER JetBlue Card from American Express B RUE I jetBlue p sn AiCAfV EXPRESS �� " -- ] KAREN C ALBRIGHT Closing Date 08/09/12 Account Ending 8 -22007 FILL UP WITH MORE THAN JUST FUEL AMERICAN USE YOUR AMERICAN EXPRESS-CARD AT MAJOR GAS STATIONS EXPRESS ALL OVER TOWN AND EARN REWARDS THAT CAN REALLY TAKE YOU PLACES. EXPLORE MORE GREAT PLACES TO USE YOUR CARD AT AMEXNETWORK.COM/WELCOME Payments and Credits Summary Total Payments - $4,000.00 Credits - $103.33 Total Payments and Credits - $4,103.33 Detail *Indicates posting date Payments Amount 07111112* ONLINE P AYMENT -THA YOU - $1,300.00 07/13/12* ONLINE PAYMENT -THANK YOU - $1,000.00 07/19/12* ONLINE PAYMENT -THANK YOU - $800.00 07/21/12* ONLINE PAYMENT -THANK YOU - $500.00 0 ONLINE PAYMENT - THAN KYOU - $400. Credits Amount 07111112 RITEAID 7783 RITE AIMECHANICSBURG PA -$5.24 DRUG STORE /PHARMACY 07/26/12 EXTENDEDSTAY 8931 CARSON CA - $98.09 Arrival Date Departure Date 07/25/12 07/30/12 00000000 New Charges Summary Total Total New Charges $ 3,784.54 Detail ® KARENCALBRIGHT Card Ending 8 -22007 Amount 07/09/12 WEGMANS #45 000000045854644600 $57.97 5854644600 07/11/12 GROUPON INC 877 - 788 -7858 IL $36.04 COUPONS Continued on reverse KAREN C ALBRIGHT Account Ending 8 -22007 p. 4/11 Detail Continued Amount 07/11/12 EBAY INC.0000 SAN JOSE CA $928.83 886 - 285 -8380 Description EBAY.COM /CC888 07/12/12 GROUPON INC 877 - 788 -7858 IL $38.00 COUPONS 07/13/12 JETBLUE AIRWAYS 9010JETBLUE NY $2.50 JETBLUE AIRWAYS From: To: Carrier: Class: OAKLAND INTERNATIO WASHINGTON DULLES B6 X N/A YY 00 N/A YY 00 N/A YY 00 Ticket Number: 27921789107561 Date of Departure: 08/02 PassengerName: ALBRIGHT /KAREN MS Document Type: PASSENGER TICKET 07/13/12 JETBLUE AIRWAYS 9010JETBLUE NY $198.80 JETBLUE AIRWAYS From: To: Carrier: Class: OAKLAND INTERNATIO WASHINGTON DULLES B6 M N/A YY 00 N/A YY 00 N/A YY 00 Ticket Number: 27921789111676 Date of Departure: 08/02 PassengerName: SMITH /ZARY MR Document Type: PASSENGER T 07/13/12 EBAY INC. 0000 SAN JOSE CA $996.28 886 - 285 -8380 Description EBAY.COM /CC888 07/14/12 CHICO S- DIRECT #801 FORT MYERS FL $18.98 8888554986 Description Clothing & Accessor 07/14/12 0195 SHEETZ 0195 MECHANICSBURG PA $30.93 8149463611 07/15/12 WEGMANS #45000000045854644600 $11.70 58546 07/17/12 WEGMANS #45 000000045854644600 $38.58 5854644600 07/19/12 USPS 412524002100472ENOLA PA $11.21 800 - 2758777 07/19/12 USPS.COM CLICK100611WASHINGTON DC $63.94 800 - 3 447779 07/20/12 GIANT 6005 MECHANICSBURG PA $38.46 GROCERY STORE 07/21/12 HERTZ CAR RENTAL HARRISBURG PA $71.46 Location Date Rental: HARRISBURG PA 12/07/20 Return: WASHINGTON DC 12/07/21 Agreement Number: 659232486 Rente N ALBRIG /KAREN Continued on next page AMERICAN JetBlue Card from American Express B L U E I jetBlue p. 5/11 EXPRESS KAREN C ALBRIGHT Closing Date 08/09/12 Account Ending 8 -22007 Detail Continued Amount 07/21/12 EXXONMOBIL DULLES VA $13.19 703- 572 -6086 Description GAS /SERVICES 07121112 FOX RENT A CAR OAKLAOAKLAND CA $331.78 Location Date Rental: OAKLAND CA 12/07/21 Return: OAKLAND CA 12/07/21 Agreement Number: 000224893 Rente N K AREN A LBRIGHT 07/23/12 MIMIS CAFE 41 OOOOOODUBLIN CA $70.60 8665664647 Description RESTAURANT CHARGES 07/23/12 OFFICEMAX, INC. 0228925 - 225 -9007 $22.83 925 - 225 -9007 STANDARD 07/24/12 ATTM *464078265814PHIALPHARETTA GA $36.60 800 - 331 -0500 Description TELECOMMUNICA 07/24/12 HOTWIRE -SALES FINAL 866 -468 -9473 CA $434.55 TRAVEL 07/24/12 USPS.COM CLICK100611WASHINGTON DC $5.10 800 - 3 447779 07/25/12 EXTENDEDSTAY 8931 CARSON CA $98.09 Arrival Date Departure Date 07/25/12 07/30/12 000000 07/26/12 SCI VENDING 1190 542OAKLAND CA $5.00 8003289006 Description Price EQUIPMENT,TOOLS RE $5.00 07/27/12 7- ELEVEN 33289 00073NORWALK CA $45.97 562- 929 -2696 Description Price GA /MSC9 4574 $ 45.9 7 07/28/12 HOTWIRE -SALES FINAL 866 -468 -9473 CA $86.91 TRAVEL 07/28/12 PLATEPASS HERTZ TOLL877- 590 -9711 $4.45 12358269 85260 OTHER TRANSPORTATION 07/30/12 USA 63201 TES0632010BUELLTON CA $41.70 0000000000 Description Price GAS /OIL $ 41.70 07/30/12 AOL SERVICE 800 - 827 -6364 NY $14.95 ASSIST.AOL.COM 07/30/12 LYNN'S TOO OOOOOOOOOKING CITY CA $15.99 8313860562 Continued on reverse KAREN C ALBRIGHT Account Ending 8 -22007 p. 6/11 Detail Continued Amount 07/31/12 USPS 056138955503212PLEASANTON CA $5.15 800 - 2758777 08/05/12 SCI VENDING 1244 542WASHINGTON DC $3.00 8003289006 Description Price EQUIPMENT,TOOLS REN $3.00 08/08/12 SCI VENDING 1190 5420AKLAND CA $5.00 8003289006 Description Price EQUIPMENT,TOOLS REN $5.00 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 $40.00 Total Interest in 2012 $0.00 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on youraccount. Annual Balance Subject Interest Percentage Rate to Interest Rate Charge Purchases 15.24% (v) $0.00 $0.00 Cash Advances 25.24 %(v) $0.00 $0.00 Total $0.00 (v) Variable Rate JetBlue Card from American Express T R U E I jetB(utY AMGRIC/ -1N BLUE p. 7/11 EXPRESS KAREN C ALBRIGHT Closing Date 08/09/12 Account Ending 8 -22007 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 - RDRI -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 incapacitated, unmarried and dependent.). TAI- RDR1 -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 Creditable Coverage standards and will not satisfy the individual mandate that you have health insurance. As of January 12009, 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 requirement based on affordability or individual hardship. For more information call the Connector at 1- 877 -MA- ENROLL or visit the Connector website ( www.mahealthconnector.ora ). 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 KAREN C ALBRIGHT Account Ending 8 -22007 p• 8/11 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 performed 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 neither 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, credit 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 50150); I. Shared household budget for purposes of receiving government benefits; m. Status of one as representative payee for the other's government benefits; 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 anyone Accident. TAIRDR10612PA SAT82 B P /AACTAIO /0812 p ffilm — Iless TrueBlue° Program T R U E I jetBlue� B L U E Prepared for KAREN C ALBRIGHT Account Number 1M57328681 Questions About Your Account? TrueBlue Points Earned 4,491 americanexpress.com /jetblue TrueBlue Points Transferred this Period 4,529 1-800- 906 -8864 International Collect: 1- 336- 393 -1111 Did Y ou Know? Account Summary June 1, 2012- June30, 2012 EXCLUSIVECARDMEMBER BENEFITS Prior Month Points Balance 4,529 Learn more about yourtravel, shopping and account protections that come with TrueBlue Points Earned +4,491 Cardmembership. Learn more at americanexpress.com/jetblue TrueBlue Points Transferred -4,529 AMERICAN EXPRESS SELECTS® TrueBlue Points Adjusted 0 Enjoy exclusive savings when you use your Card at select merchants. TrueBlue Points Remaining 4,491 Visit americanexpress.com /selects for more details. Points are availablewhen a minimum payment has been made and all your accounts are in good standing. Earn Bonus TrueBlue Points on all eligible spend and get to your next Award flight even faster! Points Transaction Detail June 1 2012 -June 30, 2012 TrueBlue Points Earned TrueBlue Points Bonus Promotional Bonus Total TrueBlue Earned On EligibleCharges TrueBlue Points TrueBlue Points Points Earned JetBlueCard 4,439 52 0 4,491 XXXX- XXXXX8 -22007 Total 4,439 52 0 4,491 TrueBlue Points Transferred TrueBlue Points Transferred Transferred Date Total 4,529 On a monthly basis, we will transfer your TrueBlue Points Earned into your TrueBlue Program account if you have made at least the minimum payment due and all your accounts are in good standing. If you have questions, please visit www.americanexpress.com /jetblue or call 1- 800 - 906 -8864. From overseas, call collect 1- 336 - 393 -1111. Prepared for KAREN C ALBRIGHT jetBlue P. 10/11 TrueBlue Points Number 1 M57328681 AIRWAYS' AM[RI C/>N JetBlue Card from American Express B R WiR u E I jetBlue P. 11/11 KAREN C ALBRIGHT Closing Date 08/09/12 Account Ending 8 -22007 k S\ SS l 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. r sync. americanexpress.com Offers are made only to Cardmembers who meet certain qualifyingg criteria. By responding you will be disclosing to the merchant that you meet tFiese criteria. AMER�G4N JetBlue Card from American Express T R U E jetBlue� p. to I EJSPRESS B L U E KAREN C ALBRIGHT Closing Date 09/07/12 Account Ending 8 -22007 Earn TrueBlue® points on New Balance $972.02 virtually all purchases. Minimum Payment Due $95.00 Visit americanexpress .corn/jetbluetolearn Includes the past due amount of $35.00 more! Payment Due Date 10/03/12 Account Summary Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $935.60 the Payment Due Date listed above, you may have to pay a late fee of up to Payments /Credits -$0.00 $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24 %. New Charges +$0.00 Fees +$25.00 Interest Charged +$11.42 Minimum Payment Warning: If you make only the minimum payment each period, New Balance $972.02 you will pay more in interest and it will take you longer to pay off your balance. For Minimum Payment Due $95.00 example: Credit Limit $1,300.00 Ifyou make no additional You will pay offthe balance And you will pay an Available Credit $327.98 charges and each month you shown on this statement in estimated total of pay about Cash Advance Limit $200.00 ... ... Available Cash $200.00 Only the in Days Billing Period: 29 Minimum Payment Due 3 years 1,176 Y � 9 If you would like information about credit counseling services, call 1- 888 - 733 -4139. Customer Care P Seepage 2 for important information about your account. Pay by Computer americanexpress.com/pbc Your account is past due. Please pay immediately. Further Customer Care Pay by Phone delinquency will be reported to credit reporting agencies. 1 -800- 906 -8864 1 -800- 472 -9297 O See page 2 for additional information. Because your payment was received late, you may have r EIR forfeited rewards earned by using your Card. Please call oarESS 1- 800 - 906- 8864or log on to your account at ® americanexpress.com for more information or to reinstate rewards. There is a $35.00 fee for each month of rewards you want to reinstate. Continued on Page 3 + Please fold on the perforation below, detach and return with your payment + ® Payment Coupon Pay byComputer Pay byPhone Account Ending 8 -22007 Do not staple or use paper clips im amencanexpress.com /pbc 1- 800 - 472 -9297 Enter account number on all documents. Make check payable to American Express. KAREN C ALBRIGHT 10 SMILEY DR Payment Due Date MECHANICSBURG PA 17050 - 1534 10/03/12 New Balance $972.02 1111 1i1u11ii oil 11 1111nnni11iiin111n1n1uii1111i111111i Minimum Payment Due $95.00 AMERICAN EXPRESS $ Check here if our address or P.O. BOX 1270 • your phone number has changed. NEWARK NJ 07101 -1270 Amount Enclosed Note changes on reverse side. 0000349991432395911 000097202000009500 05 H KAREN C ALBRIGHT Account Ending 8 -22007 p. 21 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 clearable through the US banking system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system. If we accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unless a particular rate is required by law. 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 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 yourfinancial institution, unless the 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 depositor other asset account statement. If we cannot collect the funds electronically we may issue a draft against your depositor 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 depositor 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 and interest results in doilycompoundingof 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 chargea fee of 2.7% of the converted US dollar amount. 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- 800 -906 -8864 Hearing Impaired a Website: americanexpress.com International Collect 1- 336 - 393 -1111 TTY: 1-800-221-9950 Mobile Site: amexmobile.com Large Print& Braille Statements 1- 800 - 906 -8864 FAX: 1-800-695-9090 Lost or Stolen Card 1- 800 - 992 -3404 In NY: 1-800-522-1897 Customer Care Express Cash 1- 800 -CASH -NOW & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998 -1535 07101 -1270 Change of Address If correct on front, do not use. Pay Your Bill With AutoPay • Tochange youraddress online, visit www. americanexpress .com /updatecontactinfo • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. Avoid late fees • Please print clearly in blue or black ink only in the boxes provided. Save time Deduct your paymentfrom your bank Street Address account automatically each month Visit americanexpress.com /autopay City, State today to enroll. Zip Code Area Code and Home Phone Area Code and Work Phone For information on how we protect your privacy and to set your communication Email and privacy choices, please visit www.americanexpress.com/privacy. ERICAN JetBlue Card from American Express B R U E I jetBlue P . 3/7 EXPRESS KAREN C ALBRIGHT Closing Date 09/07/12 Account Ending 8 -22007 HELP YOURSELF TO SOME .: TASTY REWARDS /0 EARN REWARDS WHEN YOU USE YOUR AMERICAN EXPRESS- CARD TO PAY FOR A GREAT DINNER, A BURGER OR JUST PIZZA WITH FRIENDS. EXPLORE MORE GREAT PLACES TO USE YOUR CARD AT AMEXNETWORK.COM/WELCOME Fees Amount 09/03/12 Late Payment fee $2 5.00 Total Fees for this Period $25.00 Interest Charged Amount 09/07/12 Interest Charge on Purchases $11.42 Total Interest Charged for this Period $11.42 2012 Fees and Interest Totals Year -to -Date Amount Total Fees in 2012 $65.00 Total Interest in 2012 $11.42 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on youraccount. Annual Balance Subject Interest Percentage Rate to Interest Rate Charge Purchases 15.24% (v) $944.53 $11.42 Cash Advances 25.24% (v) $0.00 $0.00 Total $11.42 (v) Variable Rate KAREN C ALBRIGHT Account Ending 8 -22007 p. 4/7 TrueBlue° Program B T R U E I jetBlue� p . 5 /7 EXPRESS Prepared for KAREN C ALBRIGHT Account Number 1M57328681 Questions About Your Account? TrueBlue Points Earned 5,184 americanexpress.com /jetblue� TrueBlue Points Transferred this Period 4,491 1-800- 906 -8864 International Collect: 1- 336- 393 -1111 Did You Know? Account Summary July 1, 2012 -July 31, 2012 EXCLUSIVECARDMEMBERBENEFlTS Prior Month Points Balance 4,491 Learn more about your travel, shopping and account protections that come with TrueBlue Points Earned +5,184 Cardmembership. Learn more at americanexpress.com /jetblue TrueBlue Points Transferred -4,491 AMERICAN EXPRESS SELECTS® TrueBlue Points Adjusted 0 Enjoy exclusive savings when you use your Card at select merchants. TrueBlue Points Remaining 5,184 Visit americanexpress.com /selects for more details. Points are availablewhen a minimum payment has been made and all youraccounts are in good standing. Earn Bonus TrueBlue Points on all eligible spend and get to your next Award flight even faster! Points Transaction Detail July 1 2012 - July 31 2012 TrueBlue Points Earned TrueBlue Points Bonus Promotional Bonus Total TrueBlue Earned On Eligible Charges TrueBlue Points TrueBlue Points Points Earned JetBlue Card 5,162 22 0 5,184 XXXX- XXXXX8 -22007 Total 5,162 22 0 5,184 TrueBlue Points Transferred TrueBlue Points Transferred Transferred Date Total 4,491 On a monthly basis, we will transfer your TrueBlue Points Earned into your TrueBlue Program account if you have made at least the minimum payment due and all your accounts are in good standing. If you have questions, please visit www.americanexpress.com /jetblue or call 1- 800 - 906 -8864. From overseas, call collect 1- 336 - 393 -1111. Prepared for KAREN C ALBRIGHT T R U E I etBlue p. 6/7 TrueBlue Points Number B L U E 1 M57328681 JetBlue Card from American Express a R E I jetBtue p. 717 KAREN C ALBRIGHT Closing Date 09/07/12 Account Ending 8 -22007 LOVE AT FIRST SITE DESIGNER BRANDS. UP TO 70% OFF. EVERYDAY. Discover online sales featuring top brands in clothing, shoes, handbags, watches, home, and more. Cardmembers enjoy free shipping on qualifying purchases* Become a member of vente - privee today at americanexpress.com /freeshipping vente- privee� w th American Express 'Free Ground Shippig0etaiK: Freegroundshipping is valid on orders with minimum purdrase amount of $1f10(exdudirgtax) on www.ventepivee.com charged to any American Express® Card. Account credits may be applied to orders that are a minimum of $100 and will qualify for free shipping. Free shipping awrres to standard ground shippig only and may not be applied as a credit to Express Shipping or items requiring special handling and delivery. Bulk items and high -value items may require special handling and delivery and thus may not qualify for free ground shipping Notification of special handling requirements will be specified at the time of sale. Fulfillment of free ground shipping is the sole responsibility of vente pnvee. Free shipping subject to change or cancellation at any time American Express does not provide, and is riot responsible, for the products or services offered through the verde- privee USA website (ventepriveecorn). American Express is not responsible for the content of the vente- privee USA website. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet t criteria. eR� JetBlue Card from American Express T R U E I B L U E jetBtue P. 1/11 o�aess KAREN C ALBRIGHT Closing Date 10/09/12 Account Ending 8 -22007 New Balance Earn TrueBlue® points on $1,020.16 virtually all purchases. Minimum Payment Due $165 .00 visit americanexpress .com /jetbluetolearn Includes the past due amount of $95.00 more! Payment Due Date 11/03/12 Account Summary Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $972.02 the Payment Due Date listed above, you may have to pay a late fee of up to Payments /Credits -$0.00 $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24 %. New Charges +$0.00 Fees +$35.00 Interest Charged +$13.14 Minimum Payment Warning: If you make only the minimum payment each period, New Balance $1,020.16 you will pay more in interest and it will take you longer to pay off your balance. For Minimum Payment Due $165.00 example: Credit Limit $1,300.00 If you make no additional You will payoff the balance And you will pay an Available Credit $279.84 charges and each month you shown on this statement in estimated total of pay about... Cash Advance Limit $200.00 Available Cash $200.00 Only the Minimum Payment Due 3 years 1,215 Days in Billing Period: 32 If you would like information about credit counseling services, call 1- 888 - 733 -4139. Customer Care O See page 2 for important information about youraccount. Pay by Computer a merica nexpress.com /pbc Q WARNING: Your account is seriously past due. Please pay Customer Care Pay by Phone immediately. Continued delinquency negatively impacts your 1 -800- 906 -8864 1 -800 -472 -9297 credit report and score. O See page 2 for additional information. See Page 5 for Important Changes to Your Account Terms See Page 7 for Important Changes to the Arbitration provision + Please fold on the perforation below, detach and return with your payment + Payment Coupon �PaybyComputer �PaybyPhone Account Ending 8-22007 Do not staple or use paper clips americanexpress.com /pbc 1- 800 - 472 -9297 Enter account number on all documents. Make check payable to American Express. KAREN C ALBRIGHT 10 SMILEY DR Payment Due Date MECHANICSBURG PA 17050 - 1534 11/03/12 New Balance $1,020.16 luill�n�lllunlilillnuull��lnillnluluilllluuillil Minimum Payment Due $165.00 AMERICAN EXPRESS $ El phone here if your address or P.O. BOX 1270 phone number has changed. NEWARK NJ 07101 -1270 Amount Enclosed Note changes on reverse side. 0000349991432395911 000102016000016500 05 r-I KAREN C ALBRIGHT Account Ending 8 -22007 p. 2/11 Payments: Your payment must be sentto the paymentaddress shown on your statement and must be received by 5 p.m. local time atthat addressto be credited as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system. If we accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unless a particular rate is required bylaw. 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 payment from your depositor 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, unless the check is not processable electronically or a less costly process is available. When we process your check electronically, your payment maybe withdrawn from your depositor other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your depositor other asset account statement. If we cannot collect the funds electronically we may issue a draft against your depositor 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 depositor 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 ond interest results in doilycompounding of 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 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- 800 -906 -8864 Hearing Impaired a Website: americanexpress.com International Collect 1- 336 - 393 -1111 TTY: 1-800-221-9950 Mobile Site: amexmobile.com Large Print & Braille Statements 1- 800 -906 -8864 FAX: 1-800-695-9090 Lost or Stolen Card 1- 800 - 992 -3404 In NY: 1-800-522-1897 Customer Care Express Cash 1- 800 - CASH -NOW & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998 -1535 07101 -1270 Change of Address If correct on front, do not use. Pay Your BIII With AutoPay • Tochange youraddress online, visit www. americanexpress .com /updatecontactinfo • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. Avoid late fees • Please print clearly in blue or black ink only in the boxes provided. Save time Deduct your paymentfrom your bank Street Address account automatically each month Visit americanexpress.com /autopay City, State today to enroll. Zip Code Area Code and Home Phone Area Code and Work Phone For information on how we protect your privacy and to set your communication Email and privacy choices, please visit www.americanexpress.com/privacy. AMERIVaN JetBlue Card from American Express B R u E I jetBtue� P s, >> EXPRESS KAREN C ALBRIGHT Closing Date 10/09/12 Account Ending 8 -22007 Fees Amount 1 0/03/12 Late Payment Fee $35.00 Total Fees for this Period $35.00 Interest Charged Amount 10/09/12 Interest Charge on Purchases $13.14 Total Interest Charged for this Period $13.14 2012 Fees and Interest Totals Year -to -Date Amount Total Fees in 2012 $100.00 Total Interest in 2012 $24.56 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 15.24% (v) $984.89 $13.14 Cash Advances 25.24% (v) $0.00 $0.00 Total $13.14 (v) Variable Rate KAREN C ALBRIGHT Account Ending 8 -22007 p. 4/11 JetBlue Card from American Express T R u E I jetBlue� gMERICAN P B L U E p. 5/11 EXPRESS KAREN C ALBRIGHT Closing Date 10/09/12 Account Ending 8 -22007 Summary of Changes We're making a change to how some American Express cards work. Im portant .- to Your Account Terms 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 3 �F 9n !: �c rt p . ! f w'.. i f K" pl iff t!F + !�r � L „ s> RIM Canerterms eff�ecvemmeci�atel �x PoaR._�a�x 9 MY a Y Statement Copy Fee We are removing the fee for copies of billing statements you request. This fee was $5.00 for each statement requested, except for the three most recent statements. See the reverse side for the detail of change to your Cardmember Agreement. SCLO2 BP /CCLAOFC /1012 KAREN C ALBRIGHT Account Ending 8 -22007 p. 6/11 Important Change to Your Account Terms The terms of the account referenced in or with this notice are subject to change in accordance with the Cardmember Agreement governing the account (the "Agreement "). This notice formally amends the Agreement as described below. This change applies to existing and future balances on your account. Any terms in the Agreement conflicting with these changes is replaced fully and completely. Terms not changed by this notice remain in full force and effect. We encourage you to read this notice, share it with additional Cardmembers on your account, and file it for future reference. If you have any questions about this change, please call the number on the back of your Card. Statement Copy Fee In the How Rates and Fees Work table, in Part 1 of your Cardmember Agreement, the Statement Copy row is deleted. SCLO2 BP /CCLAOFC /1012 JetBlue Card from American Express T R U E I jetBlue� FUVIER�CAlI p. 7/11 EJ�, RE55 KAREN C ALBRIGHT Closing Date 10/09/12 Account Ending 8 -22007 Changes to the Arbitration Provision We are making changes to the process for resolving legal claims to provide more options. See the summary of our new process below and the detailed language on the following pages for more on these changes. Ge i'daa ii v p RA r �r.' y id is 'F V fi,$iJ/nm rbf. @k ��s`Ila ,aS�b 1 t1Qn�' I ��e € � I��' �!�- ,�'`�e � '_ !.,�`_'`�i��l!�i�il..�` �Ilir�.��i! �ii _.�� -�s e �'' .,_ "_ kid k�c 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 reject 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, El Paso, TX 79908. For a sample form, go to ameri canexpress.com /reject. You are not required to use the sample form. See the reverse side and subsequent pages for the detail of changes. SAR02 BP /ARBTCLM /1012 KAREN C ALBRIGHT Account Ending 8 -22007 P. 8/11 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 claims, 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') (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 claim to mediation will not affect your or our right to elect arbitration. SAR02 BP /ARBTCLM /1012 JetBlue Card from American Express T R U E I jetBlue AMERICAN B L U E P. 9/11 E�RE55 -� KAREN C ALBRIGHT Closing Date 10/09/12 Account Ending 8 -22007 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 referred 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 claim you file in small claims 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 claims 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 a three - 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 KAREN C ALBRIGHT Account Ending 8 -22007 P. 10/11 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, El Paso, TX 79908. Go to americanexpress.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, 2013, 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. SAR02 BP /ARBTCLM /1012 TrueBlue° Program T R U E jetft AMEF2�CAN B L U E I e� p. 11/11 EXPFE55 Prepared for KAREN C ALBRIGHT Account Number 1M57328681 Questions About Your Account? TrueBlue Points Earned 3,956 im americanexpress.com /jetblue TrueBlue Points Transferred this Period 5,184 1-800- 906 -8864 International Collect: 1- 336- 393 -1111 Did You Know? Account Summary August 1, 2012- August 31, 2012 EXCLUSIVE CARDMEMBER BENEFITS Prior Month Points Balance 5,184 Learn more about your travel, shopping and account protections that come with TrueBlue Points Earned +3,956 Cardmembership. Learn more at amencanexpress.com/jetblue TrueBlue Points Transferred -5,184 AMERICAN EXPRESS SELECTS® TrueBlue Points Adjusted 0 Enjoy exclusive savings when you use your Card at select merchants. TrueBlue Points Remaining 3,956 Visit americanexpress.com /selects for more details. Points are availablewhen a minimum payment has been made and all your accounts are in good standing. Earn Bonus TrueBlue Points on all eligible spend and get to your next Award flight even faster! Points Transaction Detail August 1 2012- August 31 2012 TrueBlue Points Earned TrueBlue Points Bonus Promotional Bonus Total TrueBlue Earned On EligibleCharges TrueBlue Points TrueBlue Points Points Earned JetBlue Card 3,683 273 0 3,956 XXXX- XXXXX8 -22007 Total 3,683 273 0 3,956 TrueBlue Points Transferred TrueBlue Points Transferred Transferred Date Total 5,184 On a monthly basis, we will transfer your TrueBlue Points Earned into your TrueBlue Program account if you have made at least the minimum payment due and all your accounts are in good standing. If you have questions, please visit www.americanexpress.com /jetblue or call 1- 800 - 906 -8864. From overseas, call collect 1- 336 - 393 -1111. a� JetBlue Card from American Express T R U E I jetBlue 117 EXPRESS B L U E p' KAREN C ALBRIGHT Closing Date 11/08/12 Account Ending 8 -22007 New Balance Earn TrueBlue® points on all $1,068.07 eligible purchases. Minimum Payment Due $235 .00 Visit americanexpress .corn/jetbluetolearn Includes the past due amount of $165.00 more! Payment Due Date 12/03/12 Account Summary Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $1,020.16 the Payment Due Date listed above, you may have to pay a late fee of up to Payments /Credits -$0.00 $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24 %. New Charges +$0.00 Fees +$35.00 Interest Charged +$12.91 Minimum Payment Warning: If you make only the minimum payment each period, New Balance $1,068.07 you will pay more in interest and it will take you longer to pay off your balance. For Minimum Payment Due $235.00 example: Credit Limit $1,300.00 If you make no additional You will pay off the balance And you will pay an Available Credit $231.93 charges and each month you shown on this statement in estimated total of pay... about Cash Advance Limit $0.00 ... Available Cash $0.00 Only the Minimum Payment Due 3 years $1,253 Days in Billing Period: 30 If you would like information about credit counseling services, call 1- 888 - 733 -4139. Customer Care O See page 2 for important information about your account. Pay by Computer amencanexpress.com/pbc Your account is past due. Pay the past due amount immediately Customer Care Pay by Phone 1- 800 - 906 -8864 1- 800 -472 -9297 See Page 5 for Important Information About Your Account O Seepage 2 for additional information. including Information regarding benefits underwritten by AMEX Assurance Company. + Pleasefold on the perforation below, detach and return with your payment + Payment Coupon �PaybyComputer �PaybyPhone Account Ending 8-22007 Do not staple or use paper clips americanexpress.com /pbc 1- 800 -472 -9297 Enter account number on all documents. Make check payable to American Express. II'1111 1 111' ll' I' I'lllllll'I'll'I'llll'I "'11i KAREN C ALBRIGHT Payment Due Date 10 SMILEY DR 12/03/12 MECHANICSBURG PA 17050 -1534 New Balance $1,068.07 Minimum Payment Due $235.00 1'11 "II'1 "11' III "111 "I'I AMERICAN EXPRESS $ • ❑ Check here if your addressor P.O. BOX 70 Amount Enclosed 12 phone number has changed. NEWARK 12 07101 - 1270 Note changes on reverse side. 0000349991432395911 000106807000023500 05 H KAREN C ALBRIGHT Account Ending 8 -22007 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) includethe remittance coupon from yourstatement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system; and (3) include your Account number. If your paymentdoes not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system. If we accept payment in a foreign currency, we will convert it into US dollarsat a conversion rate that is acceptable to us, unlessa particular rate is required by law. Pleasedo 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. You may pay more than the Minimum Payment Due, up to your New Balance, at anytime. Permission for Electronic Withdrawal: (1) When you send a check for payment, you give us permission to electronically withdraw your payment from your deposit or other asset account. We will process checks electronically by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, unless the check is not processable electron ically or a less costly process is available. When we process your check electronically, your payment maybe withdrawn from your depositor other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your depositor other asset account statement. If we cannot collect the funds electronically we may issue a draft against your depositor 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 depositor 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. Now 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 AOB and interest results indailycompoundingofinterest. 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 chargea 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. Customer Care& Billing Inquiries 1- 800 -906 -8864 Hearinglmpaired Website: americanexpress.com International Collect 1- 336 - 393 -1111 TTY: 1-800-221-9950 Mobile Site: amexmobile.com Large Print& Braille Statements 1- 800 -906 -8864 FAX: 1-800-695-9090 Lost or Stolen Card 1- 800 - 992 -3404 In NY: 1-800-522-1897 Customer Care Express Cash 1- 800 -CASH -NOW & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998 -1535 07101 -1270 Change of Address If correct on front, do not use. Pay Your Bill with AutOPdy • To change your address online, visit www. americanexpress .com /updatecontactinfo • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. Avoid late fees • Please print clearly in blue or black ink only in the boxes provided. Save time Deduct your payment from your bank Street Address account automatically each month Visit americanexpress.com /autopay City, State today to enroll. Zip Code Area Code and Home Phone Area Code and Work Phone For information on how we protect your privacy and to set your communication Email and privacy choices, please visit www.a mericanexpress.com/privacy. JetBlue Card from American Express B R U E I jet8lue P . sn EXPRESS KAREN C ALBRIGHT Closing Date 11/08/12 Account Ending 8 -22007 Fees Amount 11/03/12 Late Payment Fee $35.00 Total Fees for this Period $35.00 Interest Charged Amount 11/08/12 Interest Charge on Purchases $12.91 Total Interest Charged for this Period $12.91 2012 Fees and Interest Totals Year -to -Date Total Fees in 2012 Amount $135.00 Total Interest in 2012 $37.47 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 15.24% M $1,032.19 $12.91 Cash Advances 25.24% (v) $0.00 $0.00 Total M Variable Rate $12.91 KAREN C ALBRIGHT Account Ending 8 -22007 p. 4/7 AMERICAN JetBlue Card from American Express T R U E I jetBlue EXPRESS BLUE p 5n KAREN C ALBRIGHT Closing Date 11/08/12 Account Ending 8 -22007 Notice of Change to Your Travel Accident Insurance Policy We are making Important Changes to your insurance policies ( "Policies ") underwritten by AMEX Assurance Company. Applicable for Residents of Delaware 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. Applicable for Residents of Florida for Travel Accident Insurance: The definition of Covered Person is hereby removed from the DEFINITIONS section in its entirety and 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.). All Covered Persons must have a Permanent Residence within the 50 United States of America, the District of Columbia, Puerto Rico, or the U.S. Virgin Islands. All other persons are not Covered Persons under the Policy. Dependent coverage will extend to the end of the calendar year when the dependent reaches age 30 when: 1. The dependent is unmarried and does not have a dependent of his or her own; 2. Is a resident of this state or a full -time or part-time student; and 3. Is not provided coverage as a named subscriber, insured, enrollee, or covered person under any other group, blanket, or franchise health insurance policy or individual health benefits plan, or is not entitled to benefits under Title XVIII of the Social Security Act. 4. If, pursuant to this section, a child is provided coverage under the parent's policy after the end of the calendar year in which the child reaches age 25 and coverage for the child is subsequently terminated, the child is not eligible to be covered under the parent's policy unless the child was continuously covered by other creditable coverage without a gap in coverage of more than 63 days. For the purposes of this subsection, the term "creditable coverage" has the same meaning as provided in Florida Insurance Code s. 627.6561(5). Dependent children include: 1. Natural, adopted and stepchildren of the insured who are chiefly financially dependent on the insured for support and maintenance; 2. 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. All references to "dependent children under 23 years of age" throughout the document are hereby changed to dependent children under 26 years of age ". TAI- RDR1 -FL 06/10 Notice regarding your AMEX Assurance Company insurance Products We are notifying you of an update to all insurance products underwritten by AMEX Assurance Company that you have as a benefit of your Cardmembership, or in which you have enrolled. In the event any coverage provided by the AMEX Assurance Company insurance policies would be in violation of U.S. economic or trade sanctions, such coverage shall be null and void. Notice to Oregon Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum payment due, up to your entire outstanding balance, at any time. S02N2 BP /CCSGBAS /1112 KAREN C ALBRIGHT Account Ending 8 -22007 p. 6/7 Notice to Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law. S02N2 BP /CCSGBAS /1112 AMERICAN TrueBlue® Program T RUE I jetBlue, DCPRESS Prepared for KAREN C ALBRIGHT Account Number 1M57328681 Questions About Your Account? TrueBlue Points Earned -3,956 IN americanexpress.com /jetblue TrueBlue Points Transferred this Period 0 1- 800- 906 -8864 International Collect: 1- 336- 393 -1111 Did You Kn Account Summary September 1, 2012 - September 30, 2012 EXCLUSIVE CARDMEMBER BENEFITS Prior Month Points Balance 3,956 Learn more about your travel, shopping and account protections that come with TrueBlue Points Earned -3,956 Cardmembership. Learn more at americanexpress.com/jetblue TrueBlue Points Transferred 0 AMERICAN EXPRESS SELECTS® TrueBlue Points Adjusted 0 Enjoy exclusive savings when you use your Card at select merchants. TrueBlue Points Remaining 0 Visit americanexpress.com /selects for more Points are available when a minimum payment has been made and all your accounts are details. in good standing. Earn Bonus TrueBlue Points on all eligible spend and get to your next Award flight even faster! Points Transaction Detail September 1, 2012- September 30, 2012 JetBlue Card 0 0 -3,956 -3,956 XXXX- XXXXX8 -22007 09/2012 Total. - - - - -- -- _ - - - 0 - _3,956 - -3,956 On a monthly basis, we will transfer your TrueBlue Points Earned into your TrueBlue Program account if you have made at least the minimum payment due and all your accounts are in good standing. If you have questions, please visit www.americanexpress.com /jetblue or call 1- 800 - 906 -8864. From overseas, call collect 1- 336- 393 -1111. JetBlue Card from American Express T R U E I jetfte p . 1,5 L Dff�RE55 B L U E � KAREN C ALBRIGHT Closing Date 12/09/12 Account Ending 8 -22007 New Balance Earn TrueBlue° points on all $1,068.07 eligible purchases. Minimum Payment Due $270.00 visit americanexpress .com /jetbluetolearn Includes the past due amount of $235.00 more! Payment Due Date 01/03/13 Account Summary Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $1,068.07 the Payment Due Date listed above, you may have to pay a late fee of up to Payments /Credits -$0.00 $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24 %. New Charges +$0.00 Fees +$0.00 Interest Charged +$0.00 Minimum Payment Warning: If you make only the minimum payment each period, [New Balance $1,068.07 you will pay more in interest and it will take you longer to pay offyour balance. For nimum Payment Due $270.00 example: Credit Limit $1,300.00 If you make no additional You will pay offthe balance And you will pay an Available Credit $231.93 charges and each month you shown on this statement in estimated total of pay about... Cash Advance Limit $0.00 Available Cash $0.00 Only the Minimum Payment Due 2 years $1,238 Days in Billing Period: 31 If you would like information about credit counseling services, call 1- 888 - 733 -4139. Customer Care O See page 2 for important information about youraccount. Pay byComputer a merica nexpress.com /pbc O This statement is for information purposes only. This is not a bill. Please Customer Care Pay by Phone contact your collections agency for account information. Disregard the 1-800- 906 -8864 1- 800 -472 -9297 Minimum Payment Due, your account is in default and the balance is due Seepage 2 for additional information. + Please fold on the perforation below, detach and return with your payment + Payment Coupon �PaybyComputer �PaybyPhone Account Ending B-22007 Do not staple or use paper clips amencanexpress.com /pbc 1- 800 -472 -9297 Enter account number on all documents. Make check payable to American Express. �Il�l�l�l��l�l��lllll�l��l��r�ll 'I�IIIIIJ�Irlll��lll�ll�l�l KAREN C ALBRIGHT Payment Due Date 10 SMILEY DR 01/03/13 MECHANICSBURG PA 17050 -1534 New Balance $1,068.07 Minimum Payment Due $270.00 I �II�IIII.. 1 .1"�'�I II �I'I��I�'I I� ' "�II� AMERICAN EXPRESS El phone • Check here byour addressor phone number has changed. P.O. BOX 1270 Amount Enclosed Note changes on reverse side. NEWARK NJ 07101 -1270 0000349991432395911 000106807000027000 05 d KAREN C ALBRIGHT Account Ending 8 -22007 p. 2/5 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 clearable through the US banking system; and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system. If we accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unless a particular rate is required by law. 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. You may pay more than the Minimum Payment Due, up to your New Balance, at anytime. Permission for Electronic Withdrawal: (1) When you send a check for payment, you give us permission to electronically withdraw your payment from your depositor 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, unless the check is not processable electronically or a less costly process is available. When we process your check electronically, your payment maybe withdrawn from your depositor other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your deposit or other asset account statement. If we cannot collect the funds electronically we may issue a draft against your depositor 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 depositor 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 doilycompoundingof 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 chargea 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 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 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 forthe 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. Customer Care & Billing Inquiries 1- 800 - 906 -8864 Hearing Impaired Website: americanexpress.com International Collect 1- 336 - 393 -1111 TTY: 1-800-221-9950 Mobile Site: amexmobile.com Large Print & Braille Statements 1- 800 -906 -8864 FAX: 1-800-695-9090 Lost or Stolen Card 1- 800 - 992 -3404 In NY: 1-800-522-1897 Customer Care Express Cash 1- 800 - CASH -NOW & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998 -1535 07101 -1270 Change of Address If correct on front, do not use. Pay Your BIII With AutoPay • Tochange your address online, visit www. americanexpress .com /updatecontactinfo • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. Avoid late fees • Please print clearly in blue or black ink only in the boxes provided. Save time Deduct your payment from your bank Street Address account automatically each month Visit americanexpress.com /autopay City, state today to enroll. Zip Code Area Code and Home Phone Area Code and Work Phone For information on how we protect your privacy and to set your communication Email and privacy choices, please visit www.americanexpress.com/privacy. AMERICAfV Jetl3lue Card from American Express B R U E I jetfte, p. 3/5 EXPRESS KAREN C ALBRIGHT Closing Date 12/09/12 Account Ending 8 -22007 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 $135.00 Total Interest in 2012 $37.47 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 15.24% (v) $0.00 $0.00 Cash Advances 25.24% (v) $0.00 $0.00 Total (v) Variable Rate $0.00 KAREN C ALBRIGHT Account Ending 8 -22007 p. 4/5 §A-MTr ueBlue° Program T R U E I . B L U E jetBlue Prepared for KAREN C ALBRIGHT Account Number lMS7328681 0 americanexpress.com /jetblue T Earned Questions About Your Account? TrueBlue Points Transferred this Period 1- 800- 906 -8864 International Collect: 1- 336- 393 -1111 Account Summary October 1, 2012 - October 31, 2012 Did You Know? Prior Month Points Balance EXCLUSIVE CARDMEMBER BENEFITS 0 arn more about yourtravel, shopping and TrueBlue Points Earned count protections that come with 0 rdmembership. Learn more at TrueBlue Points Transferred mericanexpress.com /jetblue 0 TrueBlue Points Adjusted AMERICAN EXPRESS SELECTS® 0 Enjoy exclusive savings when you use your TrueBlue Points Remaining Card at select merchants. 0 Visit americanexpress.com /selects for more Points are available when a minimum payment has been made and all your accounts are details. in good standing. Earn Bonus TrueBlue Points on all eligible spend and get to your next Award flight even faster! Points Transaction Detail October 1, 2012 - October 31, 2012 TrueBlue Points Earned TrueBlue Points Promotional Bonus Earned On EligibleCharges TrueBlue Points Total TrueBlue JetBlue Card Points Earned 0 XXXX XXXXX8-22007 0 0 Total On a monthly basis, we will transfer your TrueBlue Points Earned into your TrueBlue Program account if ent you have made at least the minimum payme and all your accounts are in good standing. If you have questions, please visit www.americanexpress.com /jetblue or call 1 -800- 906 -8864. From du overseas, call collect 1- 336 - 393 -1111. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson P -13 Sheriff Jody S Smith to Chief Deputy t Richard W Stewart Solicitor OFF ICC OF TYE SVERIF= American Express Bank FSB vs. Case Number Karen Albright 2013-2715 SHERIFF'S RETURN OF SERVICE 05/17/2013 11:22 AM-Deputy Noah Cline, being duly sworn according to law, served the requested Complaint& Notice by"personally"handing a true copy to a person representing themselves to be the Defendant,to wit: Karen Albright at 10 Smiley Drive, Silver Spring Township, Mechanicsburg, PA 17050. NOAH CLINE, DEPUTY SHERIFF COST: $39.76 SO ANSWERS, May 23, 2013 RONNY R ANDERSON, SHERIFF ic)CountySuite Sheriff,Teleosof9.Inc. untitled IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS BANK FSB No. 13-2715 CIVIL C Plaintiff r-nEm c_ rT1 V KAREN ALBRIGHT, Defendant C) -r� )> ANSWER In answer to the Complaint, I am not denying the allegations in the Complaint. I have been successfully working with Careone Debt Relief service, and they have been in contact with you well before the filing of this Complaint. I wish to clear this debt with American Express to the best of my ability. Karen Albright 10 Smiley Drive Mechanicsburg, PA 17050 717-329-8177 • Page 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS No. 2013-02715 - ,' rntr BANK FSB = Plaintiff , c a = '== KAREN ALBRIGHT Defendant(s) PRAECIPE TO DISCONTINUE TO THE PROTHONOTARY: Kindly mark the above referenced account as discontinued without prejudice. Respectfully submitted, Amy 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 No. 10007655