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HomeMy WebLinkAbout13-2716 Supreme Court of Pennsylvania COU rt `ofCOmmOn Pleas For Prothonotary Use Only: Civil Cover+Sheet - Docket No: CUMBERLAND;' 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: S [@ Complaint [ Writ of Summons- Petition Transfer from Another Jurisdiction Declaration of Taking E C Lead Plaintiff's Name: Lead Defendant's Name: AMERICAN EXPRESS BANK, FSB KAREN ALBRIGHT T Dollar Amount Requested: IX' within arbitration limits I_ I Are money damages requested? x Yes l No (check one) Ooutside arbitration limits O N Is this a Class Action Suit? D Yes IX' No Is this an MDJAppeal? D Yes ED No A Name of Plaintiff /Appellant's Attorney: AMY F DOYLE, ESQ -1 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 PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS 0 Intentional - I Buyer Plaintiff Administrative Agencies 0 Malicious Prosecution 'XI Debt Collection: Credit Card Board of Assessment Motor Vehicle 0 Debt Collection: Other 0 Board of Elections Q Nuisance Dept. of Transportation 0 Premises Liability — Statutory Appeal: Other S Product Liability (does not include ass tort) [3 Employment Dispute: m E 1 ass t Slander/Libel/ Defamation Discrimination C El Other: Employment Dispute: Other Zoning Board T, 0 Other: I 0 Other: O MASS TORT 0 Asbestos N 0 Tobacco Toxic Tort - DES E] Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS Toxic Waste Other: 0 Ejectment (] Common Law /Statutory Arbitration B 0 Eminent Domain /Condemnation 0 Declaratory Judgment I_ Ground Rent Q Mandamus 0 Landlord /Tenant Dispute Non- Domestic Relations Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY [I Mortgage Foreclosure: Commercial Quo Warranto 0 Dental 0 Partition Replevin [I Legal E] Quiet Title Other: E] Medical Other: = Other Professional: Updated 1/1/2011 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS BANK, FSB NO. , �- pI cI1 �11W 4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184 PLAINTIFF vs. KAREN ALBRIGHT 10 SMILEY DR =CD MECHANICSBURG PA 17050 v -• ' DEFENDANT(S) 4 NOTICE TO DEFEND You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice is served, by entering a written appearance, personally of by attorney, and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland Co. Bar Association 32 South Bedford Street Carlisle, PA 17013 800/990 -9108 �a Ik FILE NO. 10007654 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. 10007654 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 "). S. 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. 10007654 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 $28,051.88. 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 $28,051.88, plus costs. WHEREFORE, American Express demands judgment against Defendant on Count 1 in the sum of $28,051.88, plus costs. FILE NO. 10007654 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 $28,051.88, 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 $28,051.88, plus costs of this action. Count 3 - Unjust Enrichment (in the alternative to Counts 1 and 2) 22. American Express incorporates by reference the foregoing paragraphs 1 through 21. 23. As a result of the foregoing, Defendant received the benefit of American Express' extension of credit in the amount of $28,051.88 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 $28,051.88. 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. 10007654 WHEREFORE, American Express demands judgment against Defendant on Count 3 in an amount to be determined at trial. Respectfully submitted, Amy VbJyle, u' e 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. 10007654 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 unworn falsification to authorities. I am a representative of American Express Bank, FSB, in the position of ASSISTANT CUSTODIAN ASSISTANT CUSTODIAN OF Plzrrnprm and in my capacity as �,- ,��- �,��,�� for .�. I BO'e 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. 10007654 EXHIBIT "A" • American Express' Cash Rebate Credit Card COSTCQ p. v5 AIVIERICAN DMRE55 - � firAW KAREN C ALBRIGHT Closing Date 11/19/10 Account Ending 0 -43005 Rebate New Balance $26,967.61 As of OCT 2010 Minimum Payment Due $592.00 $19.24 ❑ For details, please see your � Cash Rebate Summary. Payment Due Date 12/15/10 Account Summary Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $26,910.96 the Payment Due Date listed above, you may have to pay a late fee of up to Payments /Credits - $613.00 $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24 %. New Charges +$344.00 Fees +$0.00 Minimum Payment Warning: If you make only the minimum payment each period, Interest Charged +$325.65 you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional You will pay off the balance And you will pay an New Balance $26,967.61 charges and each month you shown on this statement in estimated total of... Minimum Payment Due $592.00 pay... about... Onlythe 36 I $60883 Credit Limit $26,800.00 years , Minimum Payment Due Available Credit $0.00 - Cash Advance Limit $200.00 $938 3years $33,783 Available Cash $0.00 (Savings = $27,100) Days in Billing Period: 29 If you would like information about credit counseling services, call 1- 888 - 733 -4139. See page 2 for important information about your account. Customer Care p y y Your account is overlimit. Please a at least $592.00, plus an additional PaybyComputer 0 charges incurred since the date of this billing statement. To help amencanexpress.com /pbc manage your spending you can sign up for Account Alerts at Customer Care Pay by Phone americanexpress.com /alerts 1 -888- 246 -1076 1 -800- 472 -9297 O Because your privacy is important to you, it's important to us. See page 2 for additional information. As a reminder, your full account number does not appear on your monthly billing statement. Please have your card available when contacting Customer Service at Costco and American Express. See Page 5 for important information about your account and an updated copy of your Cardmember Agreement. + Pleasefold on the perforation below, detach and return with your payment + ® Payment Coupon Pay by Computer Pay by Phone Account Ending 0 -43005 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. 11 1 1 1'11' 11111 1 1 KAREN C ALBRIGHT Payment Due Date 10 SMILEY DR 12/15/10 MECHANICSBURG PA 17050 -1534 New Balance $26,967.61 Minimum Payment Due $592.00 I' III' 1 111 1 1' 1 11' 11 111 111" 1' II11 ' AMERICAN EXPRESS $ • ❑ Check here if your addressor P.O. BOX 1270 Amount Enclosed Note changes revers e changed. side. NEWARK NJ 07101 -1270 Note chnges on revers side. 0000349990531735274 002696761000059200 17 r-I KAREN C ALBRIGHT Account Ending 0 -43005 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 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 by law. Please do not send post -dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will have no effect on us without our express prior written approval. We will re- presentto your financial institution any payment that is returned unpaid. Permission for Electronic Withdrawal: (1) When you send a check for payment, you give us permission to 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 assetaccount statement. If we cannot collect the funds electronically we may issue a draft against your deposit or other asset account for the amount of the check. (2) By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you give us permission to electronically withdraw funds from the deposit or other asset account you specify in the amount you request. Payments using such services of ours received after 8:00 p.m. MST may not be credited until the next day. How We Calculate Your Balance: We use the Average Daily Balance (ADB) method (including new transactions) to calculate the balance on which we charge interest on your Account. Call the Customer Service number listed below for more information about this balance computation method and how resulting interest charges are determined. The method we use to figure the AD8 and interest results in daily compounding 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. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1- 800 - 518 -8866. Customer Service & Billing Inquiries 1- 888 -246 -1076 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- 888 - 246 -1076 FAX: 1-800-695-9090 Express Cash 1- 800 - CASH -NOW In NY: 1-800-522-1897 Customer Service & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998 -1535 07101 -1270 Changeof Address If correct on front, do not use. Pay Your Bill With AutoPay • To change your address online, visit www. 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 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. NMERICAN American Express® Cash Rebate Credit Card cb 7m p. 3/5 ISSSMIP PI C NIJIWALE KAREN C ALBRIGHT Closing Date 11/19/10 Account Ending 0 -43005 "Highest in Customer Satisfaction with Credit Card Companies, Four Years in a Row. American Express received the highest numerical score among credit card issuers in the proprietary J.D. Power and Associates 2007 -2010 Credit Card Satisfaction Studiess" 2010 study based on responses from 8,570 consumers measuring 10 card issuers and measures opinions of consumers about the issuer of their primary credit card. Proprietary study results are based on experiences and perceptions of consumers surveyed in May .:_ 2010 Your experiences may vary. Visit jdpoweccom Payments and Credits Summary Total Payments - $613.00 Credits $0.00 Total Payments and Credits - $ 613.00 Detail *Indicates posting date Payments Amount 11 ONLINE PAYMENT -THANK YOU - $613.00 New Charges Summary Total Total New Charges $ 344.00 Detail ® KAREN C ALBRIGHT Card Ending 0 -43005 Amount 11/05/10 HERSHEY S AND E TICKHERSHEY PA $177.00 7175343911 Description Price .COMMERCIAL/PRO.SPO $177.00 11/05/10 HERSHEY S AND E TICKHERSHEY PA $167.00 7175343911 Description Price COMMERCIAL /PRO.SPO $167.00 Fees Amount Total Fees for this Period $ 0.00 Continued on reverse KAREN C ALBRIGHT Account Ending 0 -43005 p. 4/5 Interest Charged Amount 11 / 1 9/ 1 0 Interest Charge on Purchases $325.65 Total Interest Charged for this Period $32 5.65 2010 Fees and Interest Totals Year -to -Date Amount Total Fees in 2010 $0.00 Total Interest in 2010 $1,708.32 Includes fees and interest charged for billing periods with closing dates on or afterJune 25, 2010. Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Subject Interest Percentage Rate to Interest Rate Charge Purchases 15.24 %(v) $26,929.11 $325.65 Cash Advances 25.24% (v) $0.00 $0.00 Total $325.65 (v) Variable Rate Cash Rebate Earnings Summary As of OCT 2010 Billing Period ® KAREN C ALBRIGHT Card Ending 0 -43005 Base Cash Rebate Year to Date Qualified Spend $ Cash Rebate $ Purchases $2,422.83 $7.12 Bonus Rebate for Revolving Balance $0.00 $12.12 Total $2,422.83 $19.24 Important Rebate Message Remember to pay at leastthe Minimum Payment Due by the Payment Due Date to be eligible for a cash rebate and to avoid late fees. Earn Cash Back Everywhere You Use the Card Earn cash back by using your American Express Costco Cash Rebate Credit Card everywhere American Express Cards are welcome. Your cash rebate will be awarded to you in the form of an in -store coupon in your billing statement. Rebate amounts shown on this statement are subject to eligibility requirementsand other terms and conditions of your Cardmember Agreement. AMERICAN p. 5/5 EXPRESS n Re: Costco Cash Rebate Card Account ending in: 43005 11/11/2010 Dear Karen CAlbright , 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 Card member Agreement so it's simpler and easier to use and understand. We've enclosed a copy of your new Card member Agreement, which includes information on: • rates and fees for your account • the minimum payment due and how payments are applied • when interest charges apply, and when they don't • other account terms You can learn more about how to manage your card account and protect your credit with simple tips, advice, and explanations by visiting americanexpress .com /consumerresources. Important The following is a summary of changes to your account terms, effective August 22, 2010. Moredetailed 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 Upto $35 Penalty APR and When 27.24% It Applies This APR will vary with the market based on the Prime Rate. This APR will apply to your account if you: 1) make one or more late payments; or 2) make a payment that is returned. How Long Will the Penalty APR Apply? Ifthe PenaltyAPR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the penalty APR is applied. The Penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. IMPORTANT Seethe reverse side of this letter for information about the term i nation ofconvenience checks and the duration of the Penalty APR. Thank you for your Card membership. We look forward to continuing to serve you. Sincerely, American Express See reverse side forimportant information CMAEUALE0000101 Convenience Checks We will no longer 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 orafter 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 your Account, 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 ,4MERICAN EXPRESS CardmemberAgreement: Part 1 of Asof: 11/11/2010 Costco Cash Rebate Card Issuer: American Express Bank, FSB Cardmember Name: Karen C Albright Credit Limit: $ 26,800 (Cash Advance Limit: $ 200) Account Ending In : 43005 Rates and Fees Table Interest Rates Annual Percentage Rate 15.24% (APR) for Purchases This APR will varywith the market based on the Prime Rate. APRfor Balance Transfers 15.24% forany 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 months. We will review your Account every 6 months afterthe Penalty APR is applied. The Penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed. Paying Interest Your due date is at least 25 days after the close of each billing period. We will 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 foror using a credit card, the Federal Reserve Board visit the website of the Federal Reserve Board at httn : / /www.federaireserve.goy /cred itcard Annual Membership Fee None Transaction Fees • Balance Transfer Either $5 or 3% of the amount of each transfer, whichever is greater. • Cash Advance Either $5 or 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 Up to $35 • Returned Payment Upto $35 • Overlimit None How we calculate interest: We use theAverage Daily Balance method (including new transactions). Seethe How we calculate interest section in Part 2. Your Billing Rights: See Part 2 for information on how to exercise your rights to dispute transactions. CMAEUAA00000105 Pagel of 11 How Rates and Fees Work Calculating The Annual Percentage Rate( APR) forvariable 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 a 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, itwill newtransactions • you do not pay at least the 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 • your payment is returned byyourbank. Wewill review your Account every 6 months after the PenaltyAPR is applied. The PenaltyAPRwill continue to apply until you have made timely paymentswith no returned payments during the 6 months being reviewed. PenaltyAPRfor If you do not pay at least the Minimum Payment Due within 60 days after its Payment Due Date, we existing balances can applythe penaltyAPR tothose balances itdoes notalready applyto. Afteryou pay on time for 6 billing periods in a row, the penalty APR will no longer apply to those balances (but it may still applyto other balances as described above). We add fees to a purchase balance, unless we tell you otherwise. Annual Membership Thisfeeisonthe RatesandFees Tableonpage1of Part 1. 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, thefee is $35. However, the latefeewill not exceed the Minimum Payment Due. Paying late mayalso result in a PenaltyAPR. See Penalty APR fornew transactions and PenaltyAPRforexistingbalances above. Returned Payment Up to $35. If your payment is returned unpaid the first time we present itto your bank, the fee is $25. If this happens again within the next 6 billing periods, the fee is $35. However, the returned payment fee will not exceed the Minimum Payment Due on the last Payment Due Date before the payment is returned. A returned payment may also result in a PenaltyAPR. See PenaltyAPR for new transactions above. Returned Check $38 if you use yourcard to cash a check atone ofourapproved locations and the check is returned unpaid. Wewill also charge you the unpaid amount. Overlimit None.See Creditlimit and cash advance limit inPart2. Statement Copy $5 foreach statement you request, except forthe 3 most recent bil ling periods. Account Re- opening $25 if yourAccount 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 offer oratthe time of transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 3% of the withdrawal 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. dollar amount. This fee is a finance charge. See Converting charges made in a foreign currency in Pa rt 2. Part 1, Part 2 and any supplements or amendments makeup your CardmemberAgreement. CMAEUAA00000105 Page 2 o 11 AMERICAN EXPRESS Supplementto the CardmemberAgreement How Your Reward Program Works Cash Rebat Howyou receive an You will receive an annual reward based on After that, you will receive a reward of 1.5% annual reward theeligible purchaseson yourCash Rebate ® on othereligible purchases on the amountof Card from Costco and American Express your eligible purchases in excess of $5,000 in (Card Account) during an awardperiod. An that award period. award period is 12 billing periods, starting with Eligible purchases are purchases forgoods the one that begins in February. and services minus returns and othercredits. You will receive a reward of 0.25% on eligible Eligible purchases do NOT include: purchases on yourfirst $2,000 of eligible • fees or interest charges, purchases in an award period. balance transfers, After that, you will receive a reward of 0.5% on cash advances, eligible purchases on the amount of your purchases of traveler's checks, eligible purchases between $2,001 and $5,000 purchases or reloading of reloadable in that award period. prepaid cards, or • purchases of any cash equivalents. Howyoureceivean You will receive an additional reward of 0.50% of eligible purchases added toyour Card additional reward on Account balance during any billing period in which you carry a balance. You carry a balance if eligible purchases you did not pay the entire New Balance on your last billing statement by its Payment Due Date. You will not receive the additional reward for any bil ling period in which you do not pay at least the Minimum Payment Due by the Payment Due Date. How you will receive You will receive your reward as a reward You will not receive a reward if your Card your annual reward coupon on a billing statement. You will receive Account is cancelled when the reward coupon the reward coupon on the last page of your is scheduled to be sent. February billing statement. You are eligible to receive and redeem only You must redeem your coupon in person at one annual reward coupon for each Card Costco Warehouse before the expiration date Account. on the coupon. You or an Additional Card member can redeem your coupon. You may not transfer it to anyone else. When you will forfeit If the Minimum Payment Due is not paid by the You will forfeit yourannual reward for the your reward Payment Due Date, the eligible purchases entire Award Period if the Minimum Payment during that billing period will not counttoward Due is not paid fortwo or more billing periods yourannual reward. in a row. Other things you should You will only receive rewards for eligible We will not issue a reward coupon if the total know about this program purchases for personal, family orhousehold annual reward is lessthan $1.00. use. You may only redeem your reward coupon at We may change the terms of this program at Costco Warehouses in the United States, our discretion. If you violate or abuse this including Puerto Rico, to purchase goods or program, you may forfeit some orallofyour services, orfor cash or cash equivalents. reward. If you redeem more than one reward coupon The reward coupon is issued to you as part of for an Award Period, we will charge your Card this reward program and has no value outside Account the amount in excess of yourannual of this program. reward. CMAEUAPS0000111 Page 3 of 11 This page intentionally left blank. CMAEUAPS0000111 Page4of 11 M ERICAN CardmemberAgreement: Part 2of2 CD27738 Introduction Aboutyour This document togetherwith Part l makeup the Any supplements or amendments are also part of Card member 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 keepthe card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subjectto to some terms may require 45 days advance notice, applicable law. We may do this in response to the and we will tell you in the notice if you have the right business, legal or competitive environment. to reject a change. We cannot change certain terms We cannot increase the interest rate on existing during the first year of your Cardmembership. balances except in limited circumstances. Changes Wordsweusein We, us, and ourmean the issuershown on page 1 added toyourAccount, such as purchases, cash the Agreement of Part 1. Youand yourmean the person who advances, balance transfers, fees and interest applied forthis Account and forwhom we opened charges.A purchase is a charge for goods or the Account. You and your also mean anyone who services.A cash advance is a charge to get cash agrees to pay forthis Account. You are the Basic or cash equivalents. A balance transfer is a charge Cardmember. You may request a card for an to payan amountyou owe on another credit card Additional Cardmember (see AboutAdditional account. Cardmembers in Part 2). To payby a 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 yourAccount. A charge is any amount Account by that date (see Aboutyourpayments in Part 2). About using your card Usingthecard You may use the card to make purchases. At our Account status or changes to you r 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 other account issued by us or our Account. affiliates. Keep your card safe and don't let anyone else use You may arrange for certain merchants to charge it. If you r card is lost or stolen or your Account is your Account 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 yourAccount for illegal activities. Promise to pay You promise to pay all charges, including: • charges you make, even if you do not present your card or sign for the transaction, • charges that other people make if you let them use your Account, and • charges that Additional Card membe m a k e o p o t o m a k e. Credit limit Weassigna CreditLimittoyourAccount.Wemay You agree to manage yourAccount so that: and cash advance limit make partof yourCredit Limit available forcash yourAccount balance (including fees and interest) advances (Cash Advance Limit). Theremayalsobe is not more than your Credit Limit, and • limit on the amount you can withdraw from ATMs in your cash advance balance (including fees and • 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 your Account We may increase or reduce your Credit Limit and balance to go over your Credit Limit.lfwedothis, Cash Advance Limit. We may do so even if you pay we will not charge an overlimit fee. lfweaskyouto on time and your Account is not in default. promptly pay the amount of yourAccou nt balance above y o u r C redit Limit, you agr to do so. Declined transactions We maydedine to authorize a charge. Reasons we We are not responsible forany losses you incur if may do this include suspected fraud and our we do not authorize a charge. And we are not assessmentof your creditworthiness. This may occur responsible if any merchantrefusestoacceptthe even if the charge would not cause you togoover card. your Credit L i m it and you i s n i n de CMAE UACM0000102 Page 5 of 11 About your payments When you must pay You must pay at leastthe Minimum Payment Due by at least the Minimum Payment Due in such time and the Payment Due Date. The Minimum Payment Due manner by the Payment Due Date shown on your and Payment Due Date are shown on each billing billing statement. statement. Each statement also shows a Closing Date. The Each statement also statesthe time and manner by Closing Date isthe lastday of the billing period which you must make your paymentforitto be covered by the statement. Each Closing Date is credited as of the same day it is received. For your about 30 days after the previous statement's Closing payment to be co on time, we must receive Date. How to make payments Make payments to us in U.S.dollarswith: your billing statement. If we receive it afterthat time, • a single check drawn on a U.S. bank, or we will credit the payment on the day after we • a single negotiable instrument clearable through receive it. the U.S. banking system, for example a money 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 late fees 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 coupon on your billing statement, and payment into U.S. dollars, unless the law requires us • write yourAccou nt number on your check or to use a particular rate. negotiable instrument and include the payment coupon. If we process a late payment, a partial payment, or a If your payment meets the above requirements, we payment marked with any restrictive language, that will 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 w e r ece iv e it by th time di sc l osed i n How we apply payments YourAccount may have balances with different • After the Minimum Payment Due has been paid, and credits interestrates. Forexample, purchases may have a we apply your payments to the balance with the lower interest ratethan 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. For example, 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 balanceswith the same interest rates. interest rate, in any order we choose. Aboutyour Minimum Payment Due How we calculate your To calculate the Minimum Payment Due foreach Minimum Payment Due statement, we start with the highestof the following EXAMPLE. Minimum PaymentDue three amounts: (1) 2% of the New Balance (excluding late fees on Assume thatyourNewBalance is $3, 000, the statement); or interest is $29.57 (see example on the next (2) interest charged on the statement plus 1 %of page), andyou have no late fees oramounts the New Ba la nce (exclud ing 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 +1%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 nea rest dollar, and add any amou nt past due. So the Minimum Payment Due is $60.00. However, your Minimum Payment Due will not e your New Ba 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 mini mum payment from time to time. But if you then do not regularly pay more than the Mini mum Payment Due described above, we will stop adjusting it and return to the formula above. If we start or stop adjusting your Minimum Payment Due, we will do so for at least six billing periods in a row. To adjust the Minimum Payment Due, we will not exclude late fees from (1) and not add 1 % of the New Balance in (2).Then,if (2) is the highest (but lessthan 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 Page 6 of 11 AMERICAN EXPRESS ... continued from previous page WewilldothisifoversixbillingperiodsthesumofyourpaymentsismorethanthesumoftheMinimum Payments Due (not adjusted, except any amount past due is counted only in the first of those six periods). We will also make the adjustment ifoversix billing periodsthe 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 iszero and we did not adjust the Minimum Payment Due the last time it was notzero. About interest charges When we charge interest We charge interest beginning on the date of each transaction. You can avoid paying interest on purchases as described below. However, you cannot avoid paying interest on cash advances and balance transfers. If you pay the New Balance on every statement by by the Payment Due Date, we will not charge the Payment Due Date, we will not charge interest interest on purchases from the date of your on purchases. payment to the Closing Date of the billing period in If you paythe New Balance on a statement bythe which you made that payment. Butwe 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 interest on not charge interest on purchases on the following unpaid purchases. statement. If you do not paythe New Balance on a statement Also, we will not charge interest on purchases on a 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 or a credit balance. Howwe calculate interest We calculate interest fora billing period by first figuring the interest on 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 foreach balance. The total interest charged balanceby: for a billing period is the sum of the interest charged takingthe beginning balancefor 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 forvariations caused by rounding, equals: We add anew chargeto adaily balanceas of its • Average Daily Balance ( ADB) x transaction date. • Daily Periodic Rate( DPR)x Beginning balance • number of days the DPR was in effect. For the first day of a billing period, the beginning ADB balance is the ending balance for the prior billing To get theADB fora balance, we add up its daily period, including unpaid interest. For the rest of the balances. Then we divide the result by the number billing period, the beginning balance is the previous of days the DPR for that balance was in effect. If the day's daily balance plus an amount ofinterestepual daily balance is negative, we treat itas zero. to the previous day sdailybalance multiplied by the DPR DPRforthatbalance . This method of figuring the A DPR is 1/365th of an APR, rounded to one ten- beginning balance results in dailycompoundingof thousandth of a percentage point. Your DPRsare interest. shown in How Rates and Fees Work on page 2 of When an interest rate changes, the new DPR may Part 1. come into effect during not just at the beginning of the billing period. When this happens, we will IXAMPLE. calculating Interest create anew balance and apply the new DPR to it. Assume that you have a single interestrate of To get the beginning balance on the first day forthis 15.99%, yourADBis $2,250andthere 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 0 o The DPRis 15.99/ + 365 days = 0.0438 day's daily balance. / Other methods Interest is $2,250 x 0. 0438% x 30 days = $29.57 To fig u re the AD B and interest cha rg es, we may use other formu las or methods that produce equ ivalent results. Also, we may choose not to charge interest on certain types of cha CMAEUACM0000102 Page 7 of 11 Determining the We use the Prime Rate from the Money Rates use the Prime Rate from any other newspaper of Prime Rate section (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) wil I increase. In that case, you The Wall StreetJournal may not publish the Prime may pay more interest and may have a higher Rate onthatday .Ifit does not, we will use the Prime Minimum Payment Due. When the Prime Rate Rate from the previousday itwas published. If The changes, the resulting changes to variable APRs Wall StreetJournal is no longer published, we may take e as o th fir day o th b illi ng pe Other important information AboutAdditional At your request, we may issue cards to Additional You authorize usto give Additional Cardmembers Cardmembers Cardmembers. They do not have accounts with us information about your Account and to discuss it but they can use yourAccount subject to the terms with them. of this Agreement. You are responsible for all use of If you want to cancel an AdditionalCardmember's your Account by Additional Cardmembers and right to use your Account (and cancel their card) you anyone they allow to use your Account. You must must tell us. pay for all charges they make. Converting charges made If you make a charge in a foreign currency, we will interbank rate we identify from customary banking in a foreign currency convert it into U.S. dollars on the date we or our sources on the conversion date orthe prior business agents process it. Unless a particular rate is day. This rate may differ from rates that are in effect required bylaw, we will choose a conversion rate on the date of your charge. We will bill charges that is acceptable to us for that date. The rate we converted by establishments (such as airlines) at the use is no more than the highest official rate rates they use. published by a government agency or th high 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 ifwe receive • e -mail address to which we send notice that your information that it has changed or is incorrect. billing statement is available online. Closing your Account You may close yourAccount by calling us orwriting to us. Cancelling or suspending 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 your Account is cancelled, you must destroy your and cards. We may agree to reinstate your Account after • notify merchants that your Account has been a cancellation. If we do this, we may: cancelled or suspended. reinstate any additional cards issued on your If we do anyof these, you must still 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 consideryour Account to be in default if: If we consider your Account in default, we may: • you violate a provision of this Agreement, suspend your abilityto make charges, • you give us false information, cancel or suspend anyfeature on yourAccount, • 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 your Account balance • you become incapacitated ordie, or immediately. • we believe you are unable or unwilling to pay your debts when due. Collection costs You agree to payall reasonable costs, including attorneys'fees, thatwe incurto collect amounts you owe. Credit reports You agree thatwe may obtain credit reports about term of this Agreement. This may have a negative you, investigate your ability to pay, and obtain impact on your credit record. information aboutyou from othersources. And you If you believe information we have given to a credit agree thatwe may use such information forany reporting agency is incorrect, write to us at: purposes, subjectto applicable law. American Express Credit Bureau Unit, P.O. Box You agreethatwe maygive information aboutyour 981537, El Paso, TX 79998 -1537. When you write Account to credit reporting agencies. We maytell a to us, tell us yourAccount numberand the specific credit reporting agency if you fail to complywith any information you believe is incorrect. CMAEUACM0000102 Page 8 of 11 AMERICAN EXPRESS Sending you notices We mail you notices through the U.S. mail, postage prepaid, and address them to you atthe latest billing address on our records. Any notice thatwe send you this way is deemed to be given when deposited in the U.S. mail. Wemaycontactyou From time to time, we may contact you about topics to ensure the quality of customer service orwhen it ranging from servicing to marketing offers to is required bylaw. collecting amounts you owe. We may monitorand You can choose to not receive marketing offers from record phone calls between you (oranyAdditional us. To do this, call us at 1- 800 - 297 -8378 orlog on to Cardmembers on yourAccount)and us. Wedothis www.americanexpress.com /communications About insurance products We orouraffiliates maytell you about insuranceand or another affiliate isthe insureror reinsurer. non - insurance products, services orfeaturesthat Compensation may influence what productsand mayhave afee. Oneof ouraffiliates mayacton providerswe or our affiliates tell you about. behalf of a providerofthese products. Theaffiliate We mayshare information aboutyou with our maybe compensated forthis. The insurance affiliates sotheycan identify productsthat may products are notoffered orsold by usoron our interestyou. We maybe compensated forthis behalf. Our affiliates may get additional information. compensation when Amex Assurance Company Howwe handle electronic When you payus bycheck, you authorize usto If we dothis, yourpayment maybe deducted from debits from yourchecking electronically deduct the amount from yourbankor yourbank 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 thatcancelled checkwith yourbankorasset transmitting toyourfinancial institution: account billing statement. • theamount, If we cannot collect the funds electronically, we may • the routing number, issue a draft against your bank or other asset • the account number, and account for the amount of the check. • the check se n 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 tim Al w m deac Expr at anytime. Privacy Act of 1974 notice Some federal agencies may accept the card under authority of statute. When you make charges at these agencies, we collect certain charge information. That information 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 the Federa Regi Convenience checks Convenience checks (including balancetransfer add the fee to the same balance that we 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 W will charge $29 each time you ask us to stop of those checks unless otherwise disclosed with the payment on a convenience check. check. A convenience check is not a card. You may not use If you use a convenience check, we may decline it. If convenience checks to pay this or any other account we decline it, you may have to pay returned check fees or other penalties towhomeveryou wrote the check, we fpplyes.Ifyouuseaconvenience 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 or similar asset will charge interest beginning asof the date we account, or to a mortgage or insurance provider. receive the check. You cannot avoid paying interest purchase APR if you make it payable toa on convenience check transactions. merchant. We will charge a fee foreach convenience check balance transferAPR if you use it to transfera transaction. This fee is 3% of thetransaction, with a balance from another creditor. minimum of $5. This fee is a finance charge. We will penalty APR if it applies toyourAccount. Changing benefits We have the righttoadd, modify or delete any benefit, service, orfeature of yourAccountatour discretion. Assigning the Agreement We may sell, transferor assign this Agreement and yourAccount. We maydo so at anytime without notifying you. You maynotsell, assign or transfer your Account oranyofyourobligations underthis Agreement. Assigning claims If you dispute a chargewith a merchant, we may credit the Account for all orpartofthe disputed charge. If we do so, you assign and transfer to us all rights and claims (excluding tort claims) against the merchant. You agree thatyou will not pursue any claim againstthe merchantforthe credited amount. And you must cooperate with us ifwe decide to do so. CMAEUACM0000102 Page 9 of 11 We do notwaive our rights We may choose to delay enforcing or to not exercise rights under this Agreement. If we do this, we do not waive our rights to exercise or enforce them on any other occasion. Governing law Utah law and federal law govern this Agreement and yourAccount. They govern without regard to internal princi ples of conflicts of law. We are located in Utah. We hold yourAccount in Utah. We entered into this Agreementwith you in Utah. Arbitration ThisArbitration provision sets forth the any claim that you properlyfile and pursue in RIGHT OR AUTHORITY FOR ANY CLAIMS circumstances and procedures underwhich a small claims court of yourstate or TO BE ARBITRATED ON A CLASS ACTION claims may be arbitrated instead of litigated in municipality so 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 Anyclaim shall be resolved, upon the election OF THE GENERAL PUBLIC, OTHER claim means any claim, dispute or byyou or us, by arbitration pursuant tothis CARDMEMBERS OR OTHER PERSONS 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 eitherJAMS 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 thisArbitration arbitration. Ifourselectionofeitherofthese by oragainst someone otherthan you, unless provision, youand us also includes any organizations is unacceptable to you, you agreed to in writing by all parties. No corporate parent, orwholly or majority owned may select the other organization within 30 arbitration award or decision will have any subsidiaries, affiliates, any licensees, days after you receive notice of our selection. preclusive effect as to issues or claims in any predecessors, successors, assigns, any Fora copy of the code, to file a claim or for dispute with anyone who is not a 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 provision of this Agreement (including but not an of the foregoing, and other persons limited to the Continuation subsection below Y o 9. P jamsadr 017or35.org). and withoutwaiving eitherparty's right to Madison ) referred tobelowinthedefinitionofclaims. NewYork,NY10017oradr.org). Claim includes claims of every kind and appeal such decision, should any portion of nature, including but not limited to, initial In addition to the organizations listed above, this Restrictions on Arbitration subsection be claims, counterclaims, cross - claims and third- claims may be referred to anyother deemed invalid or unenforceable, then the arbitration organization that is mutually entire Arbitration r partyclaimsandclaimsbaseduponcontract, provision tort, fraud and other intentional torts, statutes, agreed upon in writing by you and us, ortoan sentence) shall not apply. regulations, common law equity. Claim arbitration organization orarbitrator(s) g Arbitration Procedures also includes claims b ora against third appointed pursuantto §5oftheFederal y g y Arbitration Act, 9 U.S.C. §§ 1 -16, as it may be ThisArbitration provision ismade pursuantto party using or providing any product, service amended (FAA), 1-16, any such transactions involving interstate commerce or benefit in connection with any account and shall be governed by the FAA. The (including, butnotlimited to, creditbureaus, orga nization and arbitrator(s) will enforcethe arbitration shall begovernedbytheapplicable third p artieswhoacce p tthecard,third parties termsofthe Restrictions on Arbitration p subsectionsetforthbelow code, except that this Agreement shall applyif who use, provide or participate in fee -based . there are any conflicts. The arbitrator shall or free benefit programs, enrollment services Significance of Arbitration applyapplicable substantive law consistent and rewards programs, credit insurance IFARBITRATION IS CHOSEN BY ANY with the FAAand applicable statutes of companies, debt collectors and all of their PARTY WITH RESPECT TOACLAIM, limitations, shall honorclaims of privilege agents, employees, directors and NEITHER YOU NOR WE WILL HAVE THE recognized at law, and, atthe timely request representatives) if and only if, such third party RIGHT TO LITIGATE THAT CLAIM IN of either party, shall provide a brief written is a party in connection with the claim. The COURT OR HAVE AJURY TRIAL ON THAT explanation of the basis for the decision. The term claim is to be given the broadest CLAIM. FURTHER, YOU AND WE WILL arbitration proceeding shall not be governed possible meaning thatwill be enforced and NOT HAVE THE RIGHT TO PARTICIPATE by anyfederal or state rules of civil procedure includes, bywayof example and without IN A REPRESENTATIVE CAPACITY OR AS orrules of evidence. Any party mayrequest limitation, any claim, dispute or controversy A MEMBER OFANY CLASS OF that the arbitrator expand the scope of thatarises from or relates to (a) any of the CLAIMANTS PERTAINING TO ANY CLAIM discovery bydoing so in writing and copying accounts created under anyof the SUBJECT TO ARBITRATION. EXCEPTAS any other parties, whoshall have 15daysto agreements, or any balances on any such SETFORTH BELOW, THEARBITRATOR'S makeobjections. Thearbitratorwill notifythe accounts, (b) advertisements, promotions or DECISION WILLBE FINALAND BINDING. partiesof his/herdecision within20daysof oralorwritten statements related to any such NOTETHATOTHER RIGHTS THATYOU any objecting party's submission. The accounts, goods or services financed under OR WE WOULD HAVE IFYOU WENTTO arbitrator shall take reasonable steps to any of the accounts ortheterms of financing, COURTALSO MAY NOTBEAVAILABLE IN preserve privacy. The arbitrator's award shall (c)the benefits and services related to ARBITRATION. be final and binding, except forany right of Cardmembership (including fee -based orfree Restrictions on Arbitration appeal provided by the FAA; however, either benefit programs, enrollment services and IF EITHER PARTY ELECTS TO RESOLVE A Party shall have 30 days to appeal that rewards programs), and (d) your application CLAIM BYARBITRATION, THATCLAIM decision by notifying the arbitration for any account. We shall not elect to use SHALL BE ARBITRATED ON AN organization and any other parties in writing. arbitration under this Arbitration provision for INDIVIDUAL BASIS. THERE SHALL BE NO continued onnextpage... CMAEUACM0000102 Page 10 of 11 />ME EXPRESS ...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 /or other fees), but termination of yourAccount; voluntary appealing party. The panel shall issue its only up to the amount of the filing fees you payment of the Account balance in full by you; decision, by majority vote, within 120 days of would have incurred if you had brought a any legal proceeding by you or us tocollecta the appealing party's written notice. Judgment claim in the state orfederal court closestto debt upon any award rendered by the arbitratoror your billing address thatwould have had you or us; and any sale e by cou (in the case ca of any a sale, its terms terms shhall all ap plyto panel may be entered in anycourt having jurisdiction. We will be responsible forany You or yto jurisdiction. additional arbitration fees. Atyourwritten the buyer of yourAccount). If any portion of atemporary advance Location of Arbitration request,d nceof consider all orrtofou in good tofyouaking this Arbitration provision, exceptas otherwise Arbitration hearings you attend shall take r provided in the Restrictions on Arbitration place in the federal judicial district of your share of any arbitration fees. You will not be subsection, is deemed invalid or residence. assessed any arbitration fees in excess of unenforceable, it shall not invalidate the your share if you do not prevail in any remaining portions of this provision. Your Billing Rights : Keep this Documentfor Future Use This notice tells you about your rights and our While we investigate whetheror notthere Your Rights If You Are Dissatisfied With responsibilities undertheFairCreditBilling has been an error: YourCredit Card Purchases Act. • We cannottry to collect the amount in If you are dissatisfied with the goods or What To Do If You Find a Mistake on Your question, or report you as delinquent on services that you have purchased with your Statement thatamount. 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 forthe true: remainder of your balance. 1. The urchase must have been made in information: ntter,giveusthefollowing • We can apply any unpaid amount against p your home state orwithin 100 miles of your • Account information: Your name and your credit limit. current mailing address, and the purchase accountnumber. After we finish our investigation, one of two price must have been more than $50. • Dollaramount: The dollar amount of the things will happen: ( Note: Neither of these are necessary if suspected error. Ifwe made a mistake : You will not have to your purchase was based on an • Description ofproblem :If you think there is pay the amount in question or any interest advertisement we mailed to you, or if we an error on your bill, describe what you or other fees related to that amount. own the company that sold you the goods believe is wrong and why you believe it is a If we do not believe there was a mistake orservices.) mistake. You will have to 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 of the advances from an ATM or with a check that • Within 60 days after the error appeared on amount you owe and the date payment is accesses your credit card account do not yourstatement. due. We may then report you as delinquent qualify. • At least 3 business days before an if you do not pay the amount we think you 3. You must not yet have fully paid forthe automated payment is scheduled, if you owe. purchase. want to stop payment on the amount you thinkiswrong. If you receive our explanation but still believe If all of the criteria above are met and you are your bill is wrong, you must write to us within still dissatisfied with the purchase, contact us You must notify us of any potential errors in 10 days telling usthat you still refuse to 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 delinquent without also reporting thatyou are PO Box 981535 errors and you may have to pay the amount questioning your bill. We must tell you the El Paso TX 79998 -1535 in question. name of anyone to whom we reported you as While we investigate, the same rules apply to What Will Happen After We Receive Your delinquent, and we must let those the disputed amount as discussed above. Letter organizations knowwhen 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, if we think you things: If we do notfollow all of the rules above, you owe an amount and you do not pay, we may 1. Within 30 days of receiving yourletter, we do not have to pay the first $50 of the amount report you as delinquent. must tell you thatwe received your letter. you question even if your bill is correct. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bil I is correct. CMAEUACM0000102 Page 11 of 11 EXHIBIT `B" AMERiVW American Express' Cash Rebate Credit Card cbs 7m p. 1i5 EXPRESS SEREW POOLE&ALE KAREN C ALBRIGHT Closing Date 07/20/12 Account Ending 0 -43005 Cash Back Reward New Balance $26,497.28 Asof Jul 2012 Minimum Payment Due $595.00 $5.92 For details, please see your Cash Back Reward Summary. Payment Due Date 08/15/12 Account Summary Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $26,469.21 the Payment Due Date listed above, you may have to pay a late fee of up to Payments /Credits - $529.00 $35.00 and your Purchase APR may be increased to the Penalty APR of 27.24 %. New Charges +$223.66 Fees +$0.00 Interest Charged +$333.41 Minimum Payment Warning: If you make only the minimum payment each period, New Balance $26,497.28 you will pay more in interest and it will take you longer to pay off your balance. For Minimum Payment Due $595.00 example: Credit Limit $26,800.00 If you make no additional You will pay off the balance And you will pay an Available Credit $302.72 charges and each month you shown on this statement in estimated total of pay... about... Cash Advance Limit $200.00 Available Cash $200.00 Onlythe 29 ears $59,068 Minimum Payment Due years in Billing Period: 30 $33,194 Customer Care $922 3 years (Savings = $25,874) If you would like information about credit counseling services, call 1- 888 - 733 -4139. Pay by Computer americanexpress.com/pbc O See page 2 for important information about your account. Customer Care Pay by Phone 1- 888 - 246 -1076 1- 800 -472 -9297 Seepage 2 for additional information. Use your smartphone to see the 0 benefits that come with your Card Scan the OR code to download our mobile app • or visit americanexpress.com /mobile on your PC to learn more. + Pleasefold on the perforation below, detach and return with your payment + ® Payment Coupon Pay byComputer Pay byPhone Account Ending 0 -43005 Do not staple or use paper clips amencanexpress.com /pbc 1- 800 -472 -9297 Enter account number on all documents. Make check payableto American Express. II I��I� I IIIIIIII' lll' IIIIIIIIIIIIIIIL .II " "II'lllll'I'I�IIIII�I KAREN C ALBRIGHT Payment Due Date 10 SMILEY DR 08/15/12 MECHANICSBURG PA 17050 -1534 New Balance $26,497.28 Minimum Payment Due $595.00 IIIIIIII "'I'I "II IIIIII'IIII I'I II I I'lll' I 'II "II'lllll'llll'III) AMERICAN EXPRESS $ • ❑ Check here if your address or Amount Enclosed phone number has changed. P.O. BOX 1270 Note changes on reverse side. NEWARK NJ 07101 -1270 0000349990531735274 002649728000059500 17 d KAREN C ALBRIGHT Account Ending 0 -43005 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 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 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 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 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 for the credit balance within 30 days if the amount is $1.00 or more. Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1- 800 - 518 -8866. Customer Care& Billing Inquiries 1- 888 -246 -1076 Hearinglmpaired Website: americanexpress.com International Collect 1- 336 - 393 -1111 TTY: 1-80G-221-9950 Mobile Site: amexmobile.com Large Print& Braille Statements 1- 888 -246 -1076 FAX: 1-800-695-9090 Express Cash 1- 800 - CASH -NOW In NY: 1-800-522-1897 Customer Care & 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 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 Email privacy and to set your communication and privacy choices, please visit www.americanexpress.com/privacy. ERIfAN American Express° Cash Rebate Credit Card cbswc p. 3/5 -utief� �aw� r EXPRESS KAREN C ALBRIGHT Closing Date 07/20/12 Account Ending 0 -43005 Payments and Credits Summary Total Payments - $529.00 Credits $0.00 Total Payments and Credits - $529.00 Detail *Indicates posting date Payments Amount 07/15/12* ONLINE PAYMENT - THANK YOU - $529.00 New Charges Summary Total Total New Charges $ 223.66 Detail ® KAREN C ALBRIGHT Card Ending 0 -43005 Amount 07/04/12 THE HOME DEPOT 4120MECHANICSBURG PA $223.66 800 - 326 -7990 Fees Amount Total Fees for this Period $0.00 Interest Charged Amount 07/20 Interest Charge on Purchases $333.41 Total Interest Charged for this Period $333.41 2012 Fees and Interest Totals Year -to -Date Amount Total Fees in 2012 $0.00 Total Interest in 2012 $2,369.74 Continued on reverse KAREN C ALBRIGHT Account Ending 0 -43005 p. 4/5 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on youraccount. Annual Balance5ubject Interest Percentage Rate to Interest Rate Charge Purchases 15.24 %(v) $26,651.13 $333.41 Cash Advances 25.24% (v) $0.00 $0.00 T $333.41 (v) Variable Rate IWIER�CRIV p. 5/5 DfPRE55 KAREN C ALBRIGHT Closing Date 07/20/12 Account Ending 0 -43005 Cash Back Reward Summary Total Cash Back as of Jul 2012 Billing Period Charges $5.92 Beginning Reward Balance +$5.92 Reward Amount Earned* +$0.00 Total Reward Balance +$5.92 *Reward Amount Earned this period is pending until the minimum due is paid and your account is in good standing. Reward Summary information is one billing cycle behind the charges on this billing statement. Reward Details Ju12012 Billing Period Charges Qualified Spend Cash Back Reward Purchases $0.00 @0.25% $000 Total $0.00 $0.00 Total Year To Date $791,63 $5.92 Important Messages Rememberto pay at least the Minimum Payment Due by the Payment Due Date for eligible purchases on this statement to count towards your annual reward and to avoid late fees. Earn cash back by using your American Express Costco Cash Rebate Credit Card everywhere American Express Cards are welcome. Your cash back reward will be awarded to you in the form of an in -store coupon in your February billing statement redeemable only in Costco for six months after it's issued. Reward amounts shown on this statement are subject to eligibility requirements and other terms and conditions of your Cardmember Agreement. Terms and Conditions Each Eligible Purchase on your Cash Rebate® Card from Costco and American Express shall earn a Reward of 0.25% on the first $2,000 of eligible purchases each annual award period; 0.5% on the next $5,500 of eligible purchases in that annual award period; and 1.5% on the amount of eligible purchases in excess of $7,500 in that annual award period. You will earn an additional reward of 0.50% on eligible purchases added to your Card Account balance during any billing period in which you carry a balance. The rebate applies to purchases but not to cash advances, returned purchases, balance transfers,the purchase of American Express® Travelers Cheques or American Express Gift Cheques. The rebate is issued annuallyin your Cardmember billing statement as a coupon redeemable at Costco. See your Cardmember Agreement for eligibility requirements and complete terms and conditions. Eligible purchases are purchases of goods or services minus returns and credits, and do NOT include: fees or interest charges, balance transfers, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Reward is distributed annually in the form of a reward coupon on a billing statement redeemable for merchandise or cash at any U.S. Costco Warehouse. Coupon must be redeemed in person prior to its expiration date of August 31 st in the year in which it is issued. Additional terms and conditions apply. See Cardmember Agreement for full terms and conditions. AMERICAN American Express® Cash Rebate Credit Card C 67M P. 1/11 EXPRESS � WHOS M"r KAREN C ALBRIGHT Closing Date 08/21/12 Account Ending 0 -43005 Cash Back Reward New Balance $26,904.94 As of Aug 2012 Minimum Payment Due $1,245.00 $7.58 Get your latest balances online. Includes the past due amount of $595.00 Enroll at americanexpress.com /register Payment Due Date 09/15/12 Account Summary Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $26,497.28 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 +$26.37 Fees +$25.00 Interest Charged +$356.29 Minimum Payment Warning: If you make only the minimum payment each period, New Balance $26,904.94 you will pay more in interest and it will take you longer to pay off your balance. For Minimum Payment Due $1,245.00 example: Credit Limit $26,800.00 If you make no additional You will pay off the balance And you will pay an Available Credit $0.00 charges and each month you shown on this statement in estimated total of Cash Advance Limit pay... about... $200.00 Available Cash $0.00 Only the Minimum Payment Due 29 years $59,180 Days in Billing Period: 32 If you would like information about credit counseling services, call 1- 888 - 733 -4139. Customer Care See page 2 for important information about your account. Pay by Computer amenca nexpress.com /pbc Q Your account is past due and overlimit. Pay at least $1,245.00 Customer Care Pay by Phone plus any additional charges incurred on your account since the date 1 -888- 246 -1076 1 -800- 472 -9297 of this billing statement. If you would like to receive e-mail alerts see page 2 for additional information. about payments, spending or fraud protection, you can sign up at americanexpress.com /alerts. See Page 7 for Important Changes to Your Account Terms and Your Reward Program Continued on Page 3 + Please fold on the perforation below, detach and return with your payment + ® Payment Coupon �PaybyComputer �PaybyPhone Account Ending 0-43005 Do not staple or use paper clips amerlcanexpress.com /pbc 1 -800 -472 -9297 Enter account number on all documents. Make check payable to American Express. �' I" II' Illllll�lll�rlrlllll�l�ll� 'I�I�Ilr�ll�ll�llrl�lll�ll��l�� KAREN C ALBRIGHT Payment Due Date 10 SMILEY DR 09/15/12 MECHANICSBURG PA 17050 -1534 New Balance $26,904.94 Minimum Payment Due $1,245.00 �I�I�rl �I' II�II�I�I��IIIIr�r�������Ir�I11 AMERICAN EXPRESS $ El • 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. 0000349990531735274 002690494000124500 17 d KAREN C ALBRIGHT Account Ending 0 -43005 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 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 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 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 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 dailycompoundingof interest. Paying Interest: Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchases if you pay the New Balance by the due date each month. We will charge you interest on cash advances and (unless otherwise disclosed) balance transfers beginning on the transaction date. Foreign Currency Charges: If you make a Charge in a foreign currency, we will convert it into US dollars on the date we or our agents process it. We will charge 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- 888 -246 -1076 Hearing Impaired Website: americanexpress.com International Collect 1- 336 - 393 -1111 TTY: 1-80G-221-9950 Mobile Site: amexmobile.com Large Print& Braille Statements 1- 888 -246 -1076 FAX: 1-800-695-9090 Express Cash 1- 800 - CASH -NOW In NY: 1-800-522-1897 Customer Care & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK N1 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. AMERICAN American Express® Cash Rebate Credit Card cbs 7m p. 3/11 EXPRESS WHO Lewdi KAREN C ALBRIGHT Closing Date 08/21/12 Account Ending 0 -43005 See Page 9 for Important Information Regarding Benefits Underwritten by AMEX Assurance Company. FILL UP WITH MORE THAN JUST FUEL AER USE YOUR AMERICAN EXPRESS-CARD AT MAJOR GAS STATIONS EXPRESS ALLOVER TOWN AND EARN REWARDS THAT CAN REALLY TAKE YOU PLACES. o EXPLORE MORE GREAT PLACES TO USE YOUR CARD AT AMEXNETWORK.COM/WELCOME New Charges Summary Total Total New Charges $26.37 Detail ® KAREN C ALBRIGHT Card Ending 0 -43005 Amount 07/20/12 CRACKER BARREL #374 HARRISBURG PA $26.37 8003339566 Description RESTAURANT CHARGES Fees Amount 08 Late Payment Fee $25.00 Total Fees for this Period $25.00 Interest Charged Amount 08/21/12 In te r est Cha o n Purchases $356.29 T ota l I nterest C fo t P eriod $ 356.29 2012 Fees and Interest Totals Year -to -Date Amount Total Fees in 2012 $25.00 Total Interest in 2012 $2,726.03 Continued on reverse KAREN C ALBRIGHT Account Ending 0 -43005 p. 4/11 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on youraccount. Annual Balance5ubject Interest Percentage Rate to Interest Rate Charge Purchases 15.24 %(v) $26,700.49 $356.29 Cash Advances 25.24% (v) $0.00 $0.00 Total $356.29 (v) Variable Rate AMER +CLIN EJ�RESS KAREN C ALBRIGHT p. 5/11 Closing Date 08/21/12 Account Ending 0 -43005 Cash Back Reward Summary Total Cash Back as of Aug 2012 Billing Period Charges $7.58 Beginning Reward Balance +$5.92 Reward Amount Earned* +$1.66 Total Reward Balance +$7.58 *Reward Amount Earned this period is pending until the minimum due is paid and your account is in good standing. Reward Summary information is one billing cycle behind the charges on this billing statement. Reward Details Aug 20126illing Period Charges Qualified Spend Cash Back Reward Purchases $223.66 @0.25% $0.55 Bonus Rebate for Revolving Balance $223.66 $1.11 Total $223.66 $1.66 Total Year To Date $1,015.29 $7.58 Important Messages Remember to pay at least the Minimum Payment Due by the Payment Due Date for eligible purchases on this statement to count towards your annual reward and to avoid late fees. Earn cash back by using your American Express Costco Cash Rebate Credit Card everywhere American Express Cards are welcome. Your cash back reward will be awarded to you in the form of an in -store coupon in your February billing statement redeemable only in Costco for six months after it's issued. Reward amounts shown on this statement are subject to eligibility requirements and other terms and conditions of your Cardm Agre Terms and Conditions Each Eligible Purchase on your Cash Rebate® Card from Costco and American Express shall earn a Reward of 0.25% on the first $2,000 of eligible purchases each annual award period; 0.5% on the next $5,500 of eligible purchases in that annual award period; and 1.5% on the amount of eligible purchases in excess of $7,500 in that annual award period. You will earn an additional reward of 0.50% on eligible purchases added to your Card Account balance during any billing period in which you carry a balance. The rebate applies to purchases but not to cash advances, returned purchases, balance transfers,the purchase of American Express® Travelers Cheques or American Express Gift Cheques.The rebate is issued annually in your Cardmember billing statement as a coupon redeemable at Costco. See your Cardmember Agreement for eligibility requirements and complete terms and conditions. Eligible purchases are purchases of goods or services minus returns and credits, and do NOT include: fees or interest charges, balance transfers, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Reward is distributed annuallyin the form of a reward coupon on a billing statement redeemablefor merchandise or cash at any U.S. Costco Warehouse. Coupon must be redeemed in person prior to its expiration date of August 31 st in the year in which it is issued. Additional terms and conditions apply. See Cardmember Agreement for full terms and conditions. KAREN C ALBRIGHT Account Ending 0 -43005 p. 6/11 �R American Express° Cash Rebate Credit Card cbsym P 7/1 EXPRESS KAREN C ALBRIGHT Closing Date 08/21/12 Account Ending 0 -43005 Summary of Changes We're making changes to the way the rewards work. The table below summarizes the changes. See the reverse side of this page for changes to your Cardmember Agreement. Summary of • Forfeiting your rewards You will no longer forfeit your entire annual reward for missing two or more minimum payments in a row. Please know, if the Minimum Payment Due shown on your statement is not paid by the Closing Date of the next billing period, eligible purchases on that statement will not count towards your annual reward. Your reward coupon We want to remind you that your reward coupon must be redeemed by August 31 of the year you receive it. See the reverse side for the Detai! of Changes to Your Cardmember Agreement. SCR82 BP /CCRBAT2 /0812 KAREN C ALBRIGHT Account Ending 0 -43005 P. 8/11 Detail of Changes to Your Cardmember Agreement The terms of the account referenced in or with this notice are subject to change in accordance with the Cardmember Agreement governing the account. This notice formally amends that Cardmember Agreement as described below. These changes apply to existing and future balances on your account. Any terms in the Cardmember Agreement conflicting with these changes is replaced fully and completely. Terms not changed by this notice remain in full force and effect. We encourage you to read this notice, share it with additional Cardmembers on your account, and file it for future reference. If you have any questions about these changes, please call the number on the back of your Card. The Costco Cash Rebate Program Effective immediately, in the How you will receive your annual reward section of How Your Reward Program Works, in a Supplement to the Cardmember Agreement: • "You must redeem your coupon in person at a Costco Warehouse before the expiration date on the coupon" is replaced with "You must redeem your coupon in person at a U.S. Costco Warehouse by August 31 of the year you receive it', and • "You will not receive a reward if your Card Account is cancelled when the reward coupon is scheduled to be sent' is replaced with "You will not receive a reward coupon if your reward is less than $1 or your account is cancelled at the time it is scheduled to be sent'. Also effectively immediately, the second sentence in the When you will forfeit your reward section of How Your Reward Program Works is deleted. And effective with billing periods ending in October, 2012, the remaining sentence of that section is deleted and replaced with the following: "You will forfeit eligible purchases on a statement if the Minimum Payment Due shown on that statement is not paid by the Closing Date of the next billing period." SCR82 BP /CCRBAT2 /0812 American Express° Cash Rebate Credit Card COS7W P. g/11 AMERICAN EXPRESS - -. � KAREN C ALBRIGHT Closing Date 08/21/12 Account Ending 0 -43005 Notice of Change to Your Travel Accident Insurance Policy We are making Important Changes to your insurance policies ( "Policies ") underwritten by AMEX Assurance Company. We are increasing the age limit for dependents covered by the Travel Accident Insurance for Cardmembers in the following states: DC, HI, ID, IN, LA, MA, NY, and VA. The age limit varies by state. For PA residents, the general terms of your coverage have been revised to include provisions required in your state. Please refer to the Riders for each applicable state. This change becomes effective on the date indicated below, whether or not you receive a billing statement. This Notice formally amends your Policies, and any contrary or conflicting language in those Policies is replaced fully and completely. All terms of the Policies not amended herein remain in full force and effect. You should carefully review these changes, share them with any Additional Cardmembers on your Account, and then keep this Notice for future reference. If you have questions regarding this Notice, please call the telephone number listed on the back of your American Express Card. Applicable for Residents of the states of Idaho, Virginia, DC, Hawaii, and Massachusetts for Travel Accident Insurance: The definition of Covered Person from the DEFINITIONS section is replaced with the following: Covered Person means the Basic Cardmember, each Additional Cardmember, and each of these Cardmember's spouses or Domestic Partners and dependent children under 26 years of age (dependent children include: your unmarried, dependent children under 26 years of age who rely on You for support and maintenance, your unmarried dependent children 26 years or older who because of a handicap condition that occurred before the attainment of the limiting age, are incapable of self- sustaining employment and dependent upon You for lifetime care and supervision. Coverage will be extended for as long as such child is incapacitated, unmarried and dependent.). TAI -RDR1 -Multi 04/10, TAI- RDR1 -DC 04/11, TAI- RDR1 -HI 07/10 and TAI- RDR1 -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- RDR1 -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- RDR1 -MA 11/10. SAT82 BP /AACTAIO /0812 KAREN C ALBRIGHT Account Ending 0 -43005 P. 10/11 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: 13he 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 50/50); 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 any one Accident. TAIRDR10612PA SAT82 BP /AACTAIO /0812 American Express® Cash Rebate Credit Card cbs7m P. 11/11 f KAREN C ALBRIGHT Closing Date 08/21/12 Account Ending 0 -43005 43. V Cs 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 m sync.americanexpress.com 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. M�ER�CAN American Express° Cash Rebate Credit Card Cb S7W P. 1/10 EXPRESS � "IDLEM c KAREN C ALBRIGHT Closing Date 09/20/12 Account Ending 0 -43005 Cash Back Reward New Balance $27,278.64 As of Sep 2012 Minimum Payment Due $1,903.00 $5.98 Includes the past due amount of $1,245.00 Get your latest balances online. Enroll atamericanexpress.com/register Payment Due Date 10/15/12 Account Summary Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $26,904.94 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 +$338.70 Minimum Payment Warning: If you make only the minimum payment each period, New Balance $27,278.64 you will pay more in interest and it will take you longer to pay off your balance. For Minimum Payment Due $1,903.00 example: Credit Limit $26,800.00 If you make no additional You will pay off the balance And you will pay an Available Credit $0.00 charges and each month you shown on this statement in estimated total of pay about Cash Advance Limit $200.00 ... ... Available Cash $0.00 Only the Minimum Payment Due 29 years $59,192 Days in Billing Period: 30 If you would like information about credit counseling services, call 1- 888 - 733 -4139. Customer Care See page 2for important information about youraccount.. PaybyComputer americanexpress.com/pbc Q Your account is past due and overlimit. Pay at least $1,903.00 Customer Care Pay by Phone plus any additional charges incurred on your account since the date 1 -888- 246 -1076 1 -800 -472 -9297 of this billing statement. If you would like to receive e-mail alerts F,) See page 2 for additional information. about payments, spending or fraud protection, you can sign up at americanexpress.com /alerts. See Page 7 for an important Privacy Notice and the following page for important notices about Your Billing Rights and Electronic Fund Transfer Error Resolution. Continued on Page 3 + Please fold on the perforation below, detach and return with your payment + Payment Coupon PaybyComputer �PaybyPhone Account Ending 0-43005 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 Payment Due Date 10 SMILEY DR 10/15/12 MECHANICSBURG PA 17050 -1534 New Balance $27,278.64 Minimum Payment Due $1,903.00 AMERICAN EXPRESS phone numb $ • ❑ Checkhereber has changed. youraddressor P.O. BOX 1270 Amount Enclosed Note changes on reverse side. NEWARK NJ 07101 -1270 0000349990531735274 002727864000190300 17 d KAREN C ALBRIGHT Account Ending 0 -43005 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 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 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 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 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. Q Customer Care & Billing Inquiries 1- 888 -246 -1076 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- 888 -246 -1076 FAX: 1-800-695-9090 Express Cash 1- 800 - CASH -NOW In NY: 1-800-522-1897 Customer Care & 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. American Express° Cash Rebate Credit Card COS p. 3/10 D�RE55 KAREN C ALBRIGHT Closing Date 09/20/12 Account Ending 0 -43005 1144 EASIER ACCOUNT MANAGEMENT Enroll now to manage your Card account online. Check rewards and balances, set up alerts, and pay at your convenience. It's easy to enroll at americanexpress.com /register [ Fees Amount 09/15/12 Late Payment Fee $35.00 Total Fees for this Period $35.00 Interest Charged Amount 09/20/12 Interest Charge on Purchases $338.70 Total Interest Charged for this Period $338.70 2012 Fees and Interest Totals Year -to -Date Amount Total Fees in 2012 $60.00 Total Interest in 2012 $3,064.73 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 %(y) $27,074.09 $33870 Cash Advances 25.24% (v) $0.00 $0.00 Total $338.70 (v) Variable Rate KAREN C ALBRIGHT Account Ending 0 -43005 p. 4/10 WE F—.. Riwry p. 5/10 KAREN C ALBRIGHT Closing Date 09/20/12 Account Ending 0 -43005 I C ash Back Reward Summary Total Cash Back as of Sep 2012 Billing Period Charges $5.98 Beginning Reward Balance +$7.58 Reward Amount Earned* +$0.06 Reward Amount Forfeited -$1.66 Total Reward Balance +$5.98 *Reward Amount Earned this period is pending until the minimum due is paid and your account is in good standing. Reward Summary information is one billing cycle behind the charges on this billing statement. Reward Details Sep 2012 Billing Period Charges Qualified Spend Cash Back Reward Purchases $26.37 @0.25% $0.06 Total $26.37 $0.06 Total Year To Date $818.00 $5.98 Forfeited Rewards Reason Rewards Forfeited Date Forfeited Pending amount month forfeited $1.66 08/23/12 Important Messages Purchases billed on your previous statement will not be included in your base reward calculation because you did not pay your Minimum Payment Due by your Payment Due Date. Earn cash back by using your American Express Costco Cash Rebate Credit Card everywhere American Express Cards are welcome. Your cash back reward will be awarded to you in the form of an in -store coupon in your February billing statement redeemable only in Costco for six months after it's issued. Reward amounts shown on this statement are subject to eligibility requirements and other terms and conditions of your Cardmember Agreement. Terms and Conditions Each Eligible Purchase on your Cash Rebate® Card from Costco and American Express shall earn a Reward of 0.25% on the first $2,000 of eligible purchases each annual award period; 0.5% on the next $5,500 of eligible purchases in that annual award period; and 1.5% on the amount of eligible purchases in excess of $7,500 in that annual award period. You will earn an additional reward of 0.50% on eligible purchases added to your Card Account balance during any billing period in which you carry a balance. The rebate applies to purchases but not to cash advances, returned purchases, balance transfers,the purchase of American Express® Travelers Cheq ues or American Express Gift Cheques. The rebate is issued annually in your Cardmember billing statement as a coupon redeemable at Costco. See your Cardmember Agreement for eligibility requirements and complete terms and conditions. Eligible purchases are purchases of goods or services minus returns and credits, and do NOT include: fees or interest charges, balance transfers, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Reward is distributed annually in the form of reward coupon on a billing statement redeemable for merchandise or cash at any U.S. Costco Warehouse. Coupon must be redeemed in person prior to its expiration date of August 31 st in the year in which it is issued. Additional terms and conditions apply. See Cardmember Agreement for full terms and conditions. KAREN C ALBRIGHT Account Ending 0 -43005 p. 6/10 E American Express® Cash Rebate Credit Card cbs7 m p 7/10 EWHOLESALE r 9�_PRE55 KAREN C ALBRIGHT Closing Date 09/20/12 Account Ending 0 -43005 Rev. 9/2012 WHAT DOES AMERICAN EXPRESS DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: MOP • Social Security number and income • transaction history and account history • insurance claim history and credit history All financial companies need to share customers' personal information to run their everyday Y business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons American Express chooses to share; and whether you can limit this sharing. • w (jA�l,jul1 + IQ' 3 Ii7 4�IaTlr. l him an ffmiakiv For our everyday business purposes — such as to process your transactions, maintain your account(s), Yes No respond to court orders and legal investigations, or report to credit bureaus No For our marketing purposes — Yes (but please see the "To limit to offer our products and services to you direct marketing" box below for additional privacy choices) For joint marketing with other financial companies Yes No For our affiliates' everyday business purposes — Yes No information about your transactions and experiences For our affiliates' everyday business purposes — Yes Yes information about your creditworthiness For our affiliates to market to you Yes Yes No For nonaffiliates to market to you (although we may We don't share personal share aggregated or information de- identified data) • Visit us online: www.americanexpress.com /communications or • Call us at 1- 855 - 297 -7748 - our menu will prompt you through your choices r� Please note: If you are a new customer, we can begin sharing your personal information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your personal information as described in this notice. However, you can contact us at any time to limit our sharing. We provide additional privacy choices to customers. Privacy elections you make for any one product or service may not automatically be applied to other products and services. To let us know if you do not want us to use your personal information to communicate with you about offers by mail, telephone, and /or e-mail: • Visit us online: www.americanexoress.com /communications or • Call us at 1- 855 - 297 -7748 (except for choices about e-mail communications) WW-`_ • E nY Call 1- 800 - 528 -4800 or go to americanexpress.com /contact. Page 1 of 2 SCP92 BP /PRVCCSG /0912 KAREN C ALBRIGHT Account Ending 0 -43005 P. 8 /10 Who is providing American Express Travel Related Services Company, Inc. and other American Express this notice? Affiliates that provide financial products or services, including American Express Centurion Bank, American Express Bank, FSB, and AMEX Assurance Company. How does American To protect your personal information from unauthorized access and use, we use security Express protect my measures that comply with federal law. These measures include computer safeguards personal information? and secured files and buildings. We collect your personal information, for example, when you How does American • open an account or pay your bills Express collect my • give us your income information or give us your contact information • use your credit card personal information? We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Federal law gives you the right to limit only • sharing for affiliates' everyday business purposes — information about your Why can't I limit all creditworthiness sharing of personal • affiliates from using your information to market to you information? • sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. What happens when I limit sharing for an Your choices will apply to everyone on your account. account I hold jointly with someone else? Q e Companies related by common ownership or control. They can be financial and nonfinancial companies. Affiliates . Our affiliates include companies with the American Express name, including financial companies such as American Express Travel Related Services Company, Inc. and nonfinancial companies such as American Express Publishing. Affiliates may also include other companies related by common ownership or control, such as Serve Virtual Enterprises, Inc. and AMEX Assurance Company, a provider of American Express Card - related insurance services. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Nonaffiliates with which we share personal information include service providers, including, for example, direct marketers, that perform services or functions on our behalf. Joint A formal agreement between nonaffiliated companies that together market financial products or marketing services to you. . Our joint marketing partners include financial companies. e .. We may transfer personal information to other countries, for example, for customer service or to process transactions. AMEX Assurance Company customers: You may have the right to access and correct recorded personal information. Personal information may be disclosed by us to detect fraud or misrepresentation, to verify insurance coverage, to an insurance regulatory authority, law enforcement or other governmental authority pursuant to law, or to a group policyholder for purposes of reporting claims experience or conducting an audit. Personal information related to insurance claim activity obtained from a report prepared by an insurance- support organization on our behalf may be retained by such organization and disclosed as required by law. State law may be more protective than federal law. California: If your American Express account has a California billing address, we will not share your personal information except to the extent permitted under California law. Vermont: If your American Express account has a Vermont billing address, we will automatically treat your account as if you have directed us not to share information about your creditworthiness with our affiliates. Page 2 of 2 SCP92 BP /PRVCCSG /0912 American Express® Cash Rebate Credit Card cbs7m p 9110 DPRE55 KAREN C ALBRIGHT Closing Date 09/20/12 Account Ending 0 -43005 Your Billing Rights: Keep this Document for Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find a Mistake on Your Statement If you think there is an error on your statement, write to us at PO Box 981535, El Paso TX 79998 -1535. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at PO Box 981535, El Paso TX 79998- 1535. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Annual EFT Error Resolution Notice This notice is to inform you about how you should notify us of errors or questions regarding any electronic fund transfers you initiate using your American Express Card, including Express Cash transactions, or electronic payments you make to American Express using Pay By Phone, Pay By Computer, or any other American Express electronic payment service. In case of errors or questions about your Electronic Transfers, please contact us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. You can telephone us at 1- 800 - IPAY -AXP for Pay By Phone and Pay By Computer questions, and at 1- 800 - CASH -NOW for Express Cash and Automatic Payment questions. Alternatively, you may write to us at American Express, Electronic Funds Services, P.O. Box 981531, El Paso, TX 79998 -1531, or contact us online at www. americanexpress .comAnquirycenter. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared or question arose. When you contact us, please provide the following information: (1) Your name and card account number. (2) Description of the error or the transfer you are unsure about. Explain as clearly as you can why you believe it is an error or why you need more information. (3) The dollar amount of the suspected error. If you notify us by phone, we may require that you send us your complaint or question in writing within 10 business days of the call. We will determine whether an error occurred within 10 business days and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your bank account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask SCP92 BP /PRVCCSG /0912 KAREN C ALBRIGHT Account Ending 0 -43005 P. 10/10 you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving point -of -sale or foreign- initiated transactions, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If we have credited your bank account and there was no error, we will tell you when we will withdraw that amount from your bank account again. You authorize us to withdraw this amount from your bank account. If your bank account does not have enough funds to cover this withdrawal, we can charge the amount to your card account or collect the amount from you. If this happens, we may cancel your right to use our electronic transfer services. SCP92 BP /PRVCCSG /0912 I American Express° Cash Rebate Credit Card COSTICO p. 1/12 D(PRE5S MES333410 KAREN C ALBRIGHT Closing Date 10/21/12 Account Ending 0 -43005 Cash Back Reward New Balance $27,668.57 As of Oct 2012 Minimum Payment Due $2,593.00 $5.92 Includes the past due amount of $1,903.00 �1 Get your latest balances online. �3 Enroll atamericanexpress.com/register Payment Due Date 11/15/12 Account Summary Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $27,278.64 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 +$354.93 Minimum Payment Warning: If you make only the minimum payment each period, New Balance $27,668.57 you will pay more in interest and it will take you longer to pay off your balance. For Minimum Payment Due $2,593.00 example: Credit Limit $26,800.00 If you make no additional You will payoff the balance And you will pay an Available Credit $0.00 charges and each month you shown on this statement in estimated total of pay... about Cash Advance Limit $200.00 ... Available Cash $0.00 Only the Minimum Payment Due 29 years $59,199 Days in Billing Period: 31 If you would like information about credit counseling services, call 1- 888 - 733 -4139. Customer Care O See page 2for important information about youraccount. Pay by Computer americanexpress.com/pbc Q Your account is past due and overlimit. Pay at least $2,593.00 Customer Care Pay by Phone plus any additional charges incurred on your account since the date 1 -888- 246 -1076 1 -800- 472 -9297 of this billing statement. If you would like to receive e-mail alerts O Seepage 2 for additional information. about payments, spending or fraud protection, you can sign up at americanexpress.com /alerts. See Page 7 for Important Changes to Your Account Terms See Page 9 for Important Changes to the Arbitration provision + Pleasefold on the perforation below, detach and return with your payment + ® Payment Coupon Pay by Computer Pay by Phone Account Ending 0 -43005 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 Payment Due Date 10 SMILEY DR 11/15112 MECHANICSBURG PA 17050 -1534 New Balance $27,668.57 Minimum Payment Due $2,593.00 I 'll "IIIIIIIIIIIIIII'II' IIII' IIII�II�IIIIII "II'll'llll�llllll�� AMERICAN EXPRESS $ El • Check here if youraddress or P.O. BOX 70 Amount Enclosed 12 phone number has changed. NEWARK 12 07101 -1270 Note changes on reverse side. 0000349990531735274 002766857000259300 17 d KAREN C ALBRIGHT Account Ending 0- 43005 p. 2/ Payments: Your payment must be sent to the paymentaddress shown on your statement and must be received by 5 p.m. local time at that addressto be credited as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and 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 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 elect ronicallyor 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 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 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 maybe 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. a Customer Care & Billing Inquiries 1- 888 -246 -1076 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- 888 - 246 -1076 FAX: 1-800-695-9090 Express Cash 1- 800 -CASH -NOW In NY: 1-800-522-1897 Customer Care & 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/pri AMER�CAfU American Express® Cash Rebate Credit Card CS71M p. 3/12 EXPRESS KAREN C ALBRIGHT Closing Date 10/21/12 Account Ending 0 -43005 Fees Amount 10 Late Payment Fee $3 5.00 Total Fees for this Period $35.00 Interest Charged Amount 10/21/12 In C h a rg e on Pur $354.93 Total Interest Charged for this Period $354.93 2012 Fees and Interest Totals Year -to -Date Amount Total, Fees in 2012 $95.00 Total Interest in 2012 $3,419.66 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 %M $27,456.73 $354.93 Cash Advances 25.24% (v) $0.00 $0.00 Total $354.93 M Variable Rate KAREN C ALBRIGHT Account Ending 0 -43005 p. 4/12 RrwERicary p. 5/12 EXPRESS KAREN C ALBRIGHT Closing Date 10/21/12 Account Ending 0 -43005 Cash Back Reward Summary Total Cash Back as of Oct 2012 Billing Period Charges $5.92 Beginning Reward Balance +$5.98 Reward Amount Earned* +$0.00 Reward Amount Forfe -$ 0.06 Total Reward Balance +$ 5.9 2 *Reward Amount Earned this period is pending until the minimum due is paid and your account is in good standing. Reward Summary information is one billing cycle behind the charges on this billing statement. Reward Details Oct 2012 Billing Period Charges Qualified Spend Cash Back Reward Purchases $0.00 @0.25% $0.00 Total $0.00 $0.00 Total Year To Date $791.63 $5.92 Forfeited Rewards Reason Rewards Forfeited Date Forfeited Pending amount month forfeited $0.06 09/22/12 Important Messages Purchasesbilled on your previous statement will not be included in your base reward calculation because you did not pay your Minimum Payment Due by your Payment Due Date. Earn cash back by using your American Express Costco Cash Rebate Credit Card everywhere American Express Cards are welcome. Your cash back reward will be awarded to you in the form of an in -store coupon in your February billing statement redeemable only in Costco for six months after it's issued. Reward amounts shown on this statement are subject to eligibility requirements and other terms and conditions of your Cardmember Agreement. Terms and Conditions Each Eligible Purchase on your Cash Rebate® Card from Costco and American Express shall earn a Reward of 0.25% on the first $2,000 of eligible purchases each annual award period; 0.5% on the next $5,500 of eligible purchases in that annual award period; and 1.5% on the amount of eligible purchases in excess of $7,500 in that annual award period. You will earn an additional reward of 0.50% on eligible purchases added to your Card Account balance during any billing period in which you carry a balance. The rebate applies to purchases but not to cash advances, returned purchases, balance transfers,the purchase of American Express® Travelers Cheques or American Express Gift Cheques.The rebate is issued annually in your Cardmember billing statement as a coupon redeemable at Costco. See your Cardmember Agreement for eligibility requirements and complete terms and conditions. Eligible purchases are purchases of goods or services minus returns and credits, and do NOT include: fees or interest charges, balance transfers, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Reward is distributed annuallyin the form of a reward coupon on a billing statement redeemable for merchandise or cash at any U.S. Costco Warehouse. Coupon must be redeemed in person prior to its expiration date of August 31 st in the year in which it is issued. Additional terms and conditions apply. See Cardmember Agreement for full terms and conditions. KAREN C ALBRIGHT Account Ending 0 -43005 P• 6/12 A1VIER11 American Expressm Cash Rebate Credit Card CbS7W p. 7/12 �M•ef• sew■ s EXPRESS -� KAREN C ALBRIGHT Closing Date 10/21/12 Account Ending 0 -43005 Summary of Changes We're making a change to how some American Express cards work. Im portant Change The following is a summary change to important terms to your account. The detailed change to your Cardmember Agreement appear on the the reverse side of this page. Kil u r ry 1 rli !q' M - =ak «� ...A,I�,x�il�6�.,uix -Y» ��",r - w., d�n�,.*Hx:�r�„1�.�.�' 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. SCI-02 BP /CCLAOFC /1012 KAREN C ALBRIGHT Account Ending 0 -43005 P. 8/12 Important Change to Your Account Terms The terms of the account referenced in or with this notice are subject to change in accordance with the Cardmember Agreement governing the account (the "Agreement'). This notice formally amends the Agreement as described below. This change applies to existing and future balances on your account. Any terms in the Agreement conflicting with these changes is replaced fully and completely. Terms not changed by this notice remain in full force and effect. We encourage you to read this notice, share it with additional Cardmembers on your account, and file it for future reference. If you have any questions about this change, please call the number on the back of your Card. Statement Copy Fee In the How Rates and Fees Work table, in Part 1 of your Cardmember Agreement, the Statement Copy row is deleted. SCLO2 BP /CCLAOFC /1012 American Express° Cash Rebate Credit Card cbs7m NMER�CAIV p. 9/12 EXPRESS — : KAREN C ALBRIGHT Closing Date 10/21/12 Account Ending 0 -43005 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. all 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 amedeanexpress.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 americanexpress.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 0 -43005 p. 10/12 Important Changes to Your Account Terms The terms of the account referenced in or with this notice are subject to change in accordance with the Cardmember Agreement governing your Account (the "Agreement'). This notice formally amends the Agreement as described below. These changes apply to existing and future balances on your Account. Any tenns 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 V 1W �Rr. American Express' Cash Rebate Credit Card P 1/12 LLEYIXPRESS -- _ KAREN C ALBRIGHT Closing Date 10/21/12 Account Ending 0 -43005 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 0 -43005 p. 12/12 Arbitration Fees and Costs You will be responsible for paying your share of any arbitration fees (including filing, administrative, hearing or other fees), but only up to the amount of the filing fees you would have incurred if you had brought a claim in court. We will be responsible for any additional arbitration fees. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause. Additional Arbitration Awards If the arbitrator rules in your favor for an amount greater than any final offer we made before arbitration, the arbitrator's award will include: (1) any money to which you are entitled, but in no case less than $5,000; and (2) any reasonable attorneys' fees, costs and expert and other witness fees. Your Right to Reject Arbitration You may reject this Arbitration provision by sending a written rejection notice to us at: American Express, P.O. Box 981556, 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 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 AMERICAN American Express° Cash Rebate Credit Card p. 1/6 EXPRE55 '�K�,��e KAREN C ALBRIGHT Closing Date 11/20/12 Account Ending 0 -43005 New Balance Get cash back for eligible $28,051.88 purchases when you use the Minimum Payment Due $3,293.00 Card. Includes the past due amount of $2,593.00 Payment Due Date 12/15/12 Account Summary Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $27,668.57 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 +$348.31 Minimum Payment Warning: If you make only the minimum payment each period, New Balance $28,051.88 you will pay more in interest and it will take you longer to pay off your balance. For Minimum Payment Due $3,293.00 example: Credit Limit $26,800.00 If you make no additional You will pay off the balance And you will pay an Available Credit $0.00 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 29 years $59,184 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 © americanexpress.com /pbc Q Your account is past due and overlimit. Pay at least $3,293.00 Customer Care Pay by Phone plus any additional charges incurred on your account since the date 1 -888 -246 -1076 1 -800- 472 -9297 of this billing statement. If you would like to receive e-mail alerts O See page 2 for additional information. about payments, spending or fraud protection, you can sign up at americanexpress.com /alerts. See Page 5 for Important Information About Your Account including Information regarding benefits underwritten by AMEX Assurance Company. + Please fold on the perforation below, detach and return with your payment + ® Payment Coupon Pay by Computer Pay by Phone Account Ending 0 -43005 Do not staple or use paperclips amencanexpress.com /pbc 1- 800 - 472 -9297 Enter account number on all documents. Make check payable to American Express. KAREN C ALBRIGHT Payment Due Date 10 SMILEY DR 12/15/12 MECHANICSBURG PA 17050 -1534 New Balance $28,051.88 Minimum Payment Due $3,293.00 AMERICAN EXPRESS F1 $ • Check here if addressor phone number has changed. P.O. BOX 1270 Amount Enclosed Note changes on reverse side. NEWARK NJ 07101 -1270 0000349990531735274 002805188000329300 17 ri KAREN C ALBRIGHT Account Ending 0 -43005 p. 2/6 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 dollarsand 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 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 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 and interest results in doilycompoundingofinterest. 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 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. Customer Care & Billing Inquiries 1- 888 -246 -1076 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- 888 -246 -1076 FAX: 1-800-695-9090 Express Cash 1- 800 - CASH -NOW In NY: 1-800-522-1897 Customer Care & 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 /pri American Express° Cash Rebate Credit Card COMM p. 3/6 EXPRESS Esau KAREN C ALBRIGHT Closing Date 11/20/12 Account Ending 0 -43005 Fees Amount 11/15/12 Late Payment Fee $35.00 Total Fees for this Period $35.00 Interest Charged Amount 11/20 Interest Charge on Purchases $348.31 Total Interest Charged for this Period $348.31 2012 Fees and Interest Totals Year -to -Date Amount Total Fees in 2012 $130.00 Total Interest in 2012 $3,767.97 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) $27,842.35 $348.31 Cash Advances 25.24% (v) $0.00 $0.00 Total $348.31 (v) Variable Rate KAREN C ALBRIGHT Account Ending 0 -43005 p. 4/6 American Express® Cash Rebate Credit Card COS��Q AMERICAN - - saws p. 5/6 EXP - - KAREN C ALBRIGHT Closing Date 11/20/12 Account Ending 0 -43005 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 0 -43005 p. 6/6 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 American Express® Cash Rebate Credit Card EXPRESS p. 1/3 KAREN C ALBRIGHT Closing Date 12/21/12 Account Ending 0 -43005 New Balance $28,051.88 Get cash back for eligible purchases when you use the Minimum Payment Due $3,613.00 Card. Includes the past due amount of $3,293.00 Payment Due Date 01 /15/13 Account Summary Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $28,051.88 the Payment Due Date listed above, you may have to pay a late fee of up to Payments /Credits $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 $28,051.88 you will pay more in interest and it will take you longer to pay off your balance. For example: Minimum Payment Due $3,613.00 If you make no additional You will pay off the balance And you will a an Credit Limit $26,8 charges and each month you shown on this statement in estimated total of... Av Credit $0.00 0.00 $ pay about... Cash Advance Limit $0.00 Only the Available Cash $0.00 Minimum Payment Due 29 years $58 Days in Billing Period: 31 If you would like information about credit counseling services, call 1 -888- 733 -4139. Customer Care O seepage 2 for important information about your account. Pay byComputer americanexpress.com/pbc Your account is past due and overlimit. Pay at least $3,613.00 Customer Care PaybyPhone plus any additional charges incurred on your account since the date 1 -888-246-1076 1 800 472 9297 of this billing statement. If you would like to receive e-mail alerts See page 2 for additional information. about payments, spending or fraud protection, you can sign up at americanexpress.com /alerts. 0 This statement is for information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the Minimum Payment Due, your account is in default and the balance is due in full. + Please fold on the perforation below, detach and return with your payment + ® Payment Coupon M Pay by Computer Pay by Phone Account Ending 0 -43005 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. 1111111 a oil 11111111111' IINIII1IIIIIIII 'llll'llu,llll�l�lIN lllnl KAREN C ALBRIGHT Payment Due Date 10 SMILEY DR 01/15/13 MECHANICSBURG PA 17050 -1534 New Balance $28,051.88 Minimum Payment Due $3,613.00 I "'I'IIIIIIIIIIIIIIIIIIIII 'III ❑ Check here if your address or AMERICAN EXPRESS $ phone number has changed. P.O. BOX 1270 Amount Enclosed Note changes on reverse side. NEWARK N) 07101 -1270 0000349990531735274 002805188000361300 17 d KAREN C ALBRIGHT Account Ending 0 -43005 P_ 2/3 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 dollarsand 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. You may pay more than the Minimum Payment Due, up to your New Balance, at any time. 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 electronically or a less costly process is available. When we process your check electronically, your payment may be withdrawn from your deposit or other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your deposit or other 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 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. 12 I Customer Care & Billing Inquiries 1- 888 - 246 -1076 Hearing Impaired Website: americanexpress.com nter national Collect 1 - 336-393-1111 TTY:1 -800 221 -9950 Large Print & Braille Statements 1 888 246 -1076 FAX:1-800-695-9090 Mobile Site: amexmobile.com Express Cash 1 800 - CASH -NOW In NY: 1 - 800-522-1897 Customer Care & 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. • To change your address online, visit www. americanexpress .com /updatecontactinfo 7Deductyour ll with AutoPay • For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. • Please print clearly in blue or black ink only in the boxes provided. Street Address mentfrom your bank account automati cally each month City, State Visit americanexpress.com /autopay today to enroll. Zip Code Area Code and Home Phone Area Code and Work Phone For information on how we protect your Email privacy and to set your communication and privacy choices, please visit www.americanexpress-com/privacy. AMERICgN American Express° Cash Rebate Credit Card I� ExnRESS p. 3/3 KAREN C ALBRIGHT Closing Date 12/21/12 Account Ending 0 -43005 Fees Amount Total Fees for this Period $0.00 Interest Charged Total Interest Charged for this Period Amount $0.00 2012 Fees and Interest Totals Year -to -Date Total Fees in 2012 Amount Total Interest in 2012 $130.00 $3,767.97 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 Cash Advances 15.24% (v) $0.00 $0.00 Total 25.24% (v) $0.00 $0.00 M Variable Rate $0.00 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson -t Sheriff I � 1 u� Q�60 Jody S Smith Chief Deputy Richard W Stewart Solicitor OFF E OF TH6 SKEPIF American Express Bank, FSB Case Number vs. 2013-2716 Karen Albright 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, N zx�- May 23, 2013 RbNW R ANDERSON, SHERIFF (c)CountySuilo Sheriff,Teleosoft,Inc. Untitled j C-- y —� IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA -0:T- co 1-n AMERICAN EXPRESS BANK, FSB No. 13-2716 CIVIL t Plaintiff `a1 V � KAREN ALBRIGHT, Defendant 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- 177 a Page 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS BANK, FSB NO. 2013-02716 4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184 Plaintiff w. VS. CIVIL ACTION A �q Cn T KAREN ALBRIGHT C'. Defendant c C.) :2-v CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Interrogatories upon Defendant, by Certified Mail (tracking no. 7012 2920 0001 6328 7280) and First Class Mail, Postage Pre-Paid, a copy thereof on 13)" day of September, 2013, to: KAREN ALBRIGHT 10 SMILEY DR MECHANICSBURG, PA 17050 Amy lire PA Supreme Court ID 87062 Doyle Legal Services, LLC. 11 East Market St., Suite 102 York, PA 17401 717-885-0718 717-885-0726 (facsimile) Counsel for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS BANK, FSB NO. 2013-02716 4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184 Plaintiff C) vs. CIVIL ACTION - w a, M� m M KAREN ALBRIGHT E„r— _.. Defendant =:C:) �r CERTIFICATE OF SERVICE J- "-t The undersigned does hereby certify that I served a copy of the foregoing Requests for Production of Documents upon Defendant,by Certified Mail (tracking no. 7012 2920 0001 6328 7280) and First Class Mail, Postage Pre-Paid, a copy thereof on this 13`" day of September, 2013, to: KAREN ALBRIGHT 10 SMILEY DR MECHANICSBURG, PA 17050 Amy F. o e squire PA Sup Court ID 87062 Doyle Legal Services, LLC. 11 East Market St., Suite 102 York, PA 17401 717-885-0718 717-885-0726 (facsimile) Counsel for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS BANK, FSB NO. 2013-02716 4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184 : Plaintiff vs. CIVIL ACTION -� ` _r KAREN ALBRIGHT -- --<x' Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Requests for Admissions upon Defendant, by Certified Mail (tracking no. 7012 2920 0001 6328 7280) and First Class Mail, Postage Pre-Paid, a copy thereof on 13t' day of September, 2013,to: KAREN ALBRIGHT 10 SMILEY DR MECHANICSBURG, PA 17050 ADoyl Am , Esquire PA Supreme Court ID 87062 Doyle Legal Services, LLC. 11 East Market St., Suite 102 York, PA 17401 717-885-0718 717-885-0726 (facsimile) Counsel for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA AMERICAN EXPRESS BANK, FSB, No. 2013-02716 Plaintiff/Petitioner vs. " KAREN ALBRIGHT, 'Co Defendant(s)/Respondent(s) can - �nZ Z O� AFFIDAVIT OF SERVICE �c� �o � Commonwealth of Pennsylvania County of York AND NOW, TO WIT, comes the undersigned, who being duly sworn according to law, deposes and;says that they are counsel for the Plaintiff in the above captioned action: that on September 13, 2013, Plaintiff issued Discovery (Request for Admissions, Request for Production of Documents and Interrogatories), in the above captioned action, sent by regular mail postage prepaid and certified mail return receipt requested (tracking no. 7012 2920 0001 6328 7280)to Defendant at ber last known address. Said certified mail.was accepted and signed for on September 14, 2013, copy of signed green card and tracking results are attached. l Sworn to and Subscribed before o e, Esquire#87062 me this-2��0 day of au3 Doyle Legal Services,LLC 11 E. Market St, Ste 102 York,Pa 17401 Q&QAW mw 717-885-0718 (phone) Notary P lic ��V � �p`3 717-885-0726 (fax) COMMONWEALTH Of PENNSYLVANIA Notarial seal public cortney moreland,Notary Sprtng'Garden Twp.,York(Aunty my commission Expires Nov.23,2023 Rember.Pennsylvania Rssodatlon Of Nowdes File# 10007654 Page 1 of 1 USPS.com®-Track&Confirm Register/Sign In English Customer Service US PS fftbile /lrDy Search USPs.00m or Track Packages O Quick Tools ��fdf.�. p�ier� lfvuirlF 4p et■Ine�sBoRigon� �. Track&Corfkm Enter up to 10 Tracking A Find Find USPS Locations Bury Stamps Lek a' ick & Confirm Find a 21P Code' Hold Mall Change OfAdores5 GET Ef.U1R UPDATES PRINT DETAILS YOUR LABEL NUMBER SERVICE STATUS OF YOUR ITEM DATE&TIME LOCATION FEATURES 70122920000163287280 Delivered :September 14,2013,1:51 pm :MECHANICSBURG,PA 17050:erdfied Maif" Arrival at Unit September 14,2013,9:43 am MECHANICSBURG,PA 17055 Depart USPS Sort :September 14,2013 HARRISBURG,PA 17107 Facility ProO:sad ihroug't SapKmbar 13,2013,8:31 pm ;HARRISBURG.FA 17107 USPS Sort Facility Check on Another item Wheys ynur label for receipt)number? Find ON ABOUT.USPS.COM OTHER USPS SITES LEGAL ON USPS.COM Business Customer Gateway I Privacy Policy Govemmem Newsroom)Services I About USPS Home> Postal inspectors I I Terms of Use I Buy Stamps&Shop I USPS S u Alerts Inspector Gene ral I Print a Label Wit,Postage forms&Publi catio ns I Postal Explorer FOIA> FEAR AO EEO Data I Customer Service I Delivering Soiuduns to the Last Mile+ Careers, .e Site!ndex, ` I 0427& f' I Copyright©2013 USPS-411 Rights Reserved. S ■ Complete atoms 1,2,and 3.Also complete A.]ign re t Item 4 if Restricted Delivery is desired. X ❑Agent ■ Print your name and address on the reverse �, ❑Addressee. so that we,can return the card to you. B. Received by(P N me) C. Date of Delivery;( ■ Attach this card to the back of the mailpiece, 4 or on the front if space permits. D. is derive address different from Itinli.l? ❑Yes 1. Article Addressed to: If YES,enter delivery address below,:. .:;0 No 3. Service Type (9 Cirtified Mail ❑Express,IvlaO. 0 Registered O Return Receipt for Merchandise U Insured Mail C]C.O.D. i 14. Restricted Delivery?(Extra Fee) p Yes i2, Article Number 1 7.012 2920 0001 6328 7280 ..' j (transfer from service MbeQ } PS Form 3811,February 2004 Domestic Return Receipt Qcj _ 102595-02-M-1540 https://tools.usps.com/go/TrackConfirmAction.-ar,tion 9/23/2013 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS No. 2013-02716 BANK FSB _ Plaintiff --r- m c ,- vs. cn r--- c, � c_ — KAREN ALBRIGHT Defendant(s) L 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. 10007654