EFTA01671962.pdf

DUPLICATE COPY 117,702 Membership Rewards® Gold Card® Points Available Statement of Account at 01/26/10, when charges due are paid in has and all accounts are in good standing. Peopted FC• Aox,i :t ate cosroc.d. JEFFREY E EPSTEIN XXXX-XXXXX8-42008 01/26/10 Page 1 of 5 4ea Faro?, New Please Pay By Rena Ban$ Parent Att." lz kkul.IMertS Balance $ 02/10/10 1,219.51 -1,219.51 +37,496.84 37.496.84 Please refer to Pegs 4 for important information regarding your account IMPORTANT NOTICE ABOUT PRIME RATE: As a result of new federal credit card regulations. we are simplifying the way that the Prime Rate is determined for variable interest rates. Accordingly, effective April 8, 2010. the second and third sentences of the subsection about the Prime Rate in your Cardmember Agreement are deleted and replaced with: "The Prime Rate for each billing period is the Prime Rate published in The Wall Street Journal 2 days before the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published." Your payment of $37,496.84 will be debited from your account on 02/10/10. An inquiry to American Express concerning this debit should be made before 02/09/10. If your AutoPay payment is less than your New Balance, we must receive an additional payment for the difference by your next Closing Date. Your membership will be renewed next month. Please refer to the Renewal Notice on Page 4 To manage your Card account online or to pay your bill, please visit us at www.amerIcanexpress.com. For additional contact information, please see the reverse side of this page. Use Membership Rewards® PolinsforDonatIonstoHaltl MEMBERSHIP • rewards* American Expresso Cardmembers enrolled in the Membership Rewards program can redeem points to support charities aiding the relief effort in Haiti. For every 1.000 points. $10 will be donated to your charity of choice. You can choose from a list of organizations that are dedicated to the Haiti earthquake relief effort. There is no limit to the number of Membership Rewards points you can donate, provided you have the available points balance in your Membership Rewards account. You can donate points in increments of 1,000, 5,000, 10,000, 50,000, and 100,000. Cardmembers can also charge a donation on their American Express Card. To donate, go to Mtp://amex.lustglve.org/dIsaster/haItl_quakcjap Coalnued on Page 3 Do not staple or use paper dips koto,ni,c+ Please Pay By: Your Card balance will be Payment Coupon 8-42008 02/10/10 automatically debited from your designated account. Enter account number on all documents. JEFFREY E EPSTEIN 6100 RED HOOK OTR AutoPay Amount See Finance Charges $37,496.84 section on reverse side for SUITE B3 a description of when SAINT THOMAS VI 00802 additional Finance Charges are not assessed on Features. Check here if address a telephone number has changed Note changes on reverse side AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 AMEX000004 842008 003749684003749684 22 rl SDNY_GM_02743303 EFTA_00230559 EFTA01671962  DUPLICATE COPY emperes For Page 2 of 5 JEFFREY E EPSTEIN X)00(ircxxxs-mos Payments: Payments received after 12:00 noon may not be credited until the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiate instrument payable in US dollars and clearable through the US banking system, or through an electronic payment method payable in US dollars and clearable through the US banking system Your Account number must be included on all payments. II To Pay By Phone payment does not conform to these requirements, crediting may be delayed and addetional Charges may be imposed. If we 1-800-472-9297 accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US dollars unless a particular rate is required by law. Please do not send post-dated checks. They vii be ed upon receipt. Our acceptarioe of any payment marked with a restrictive legend will not operate as an au:ad and Customer Service satisfaction slt without our express prior written approval. Authorization for Electronic Debit: We we process checks 1-800-5284800 electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, 24 hoursr7 days account number and check serial number to your financial institution, unless the check is not processable electronically or a less costly process is available 8y submitting a check for payment, you authonze us to initiate an electronic debit from your Lost or Stolen Card bank or asset account. When we process your check electronically, your payment may be debited to your bank or asset 1.800.992.3404 arm,nit as soon as the same day we receive your check, and you will not receive that cancelled check with your bank or asset account statement. If we cannot collect the funds electronically we may issue a draft against your bank or asset Express Cash account for the amount of the check. Authorization for Electronic Payments: By using Pay By Computer, Pay By Rime 1400-CASH-NOW or any ether electronic payment service of ours you will be authorizing us to initiate an electronicdebt to the financial account you specify in the amount you request Payments received after 8:00 p.m MST may not be created until the next day Allocation of Payments and Credits: Subject to applicable law, we will apply and allocate payments and credits International Collect among Features and Charges on your Account in any order and manner determined by us in our sore drscretion. Finance 1.336.393.1111 Charges: Average Daily Balance (ADB) Method for Calculation of Finance Charges (FC): We use the ADB Method to calcul2e FC on your Account. Under this method, we figure the FC on your Account by applying the Daily 9sal He liniipaired Periodic Rate (OPR) to the ADB (as described below) for each Feature (including current transactions) Different dairy EST) periodic rates may be applied to separate Feature balances. To get the ADS for each feWure. we (1) take the beginning TTY: 1.800-221-9950 balance for each day (including unpaid FC from previous tilling periods) (2) add any new transactions, debts, or fees, (3) FAX: 1-800-695-9090 subtract any payments or credts. and (4) m nake any appropriate adjustments For each day after the first day of the billing In NY: 1-800-522-1897 period, sfre also add an amount of in t equal to the previous days daily balance multiplied by the DPR for the Feature. This gives us the daily balance for the Feature for that day and the beginning balance tor that Feature for the next day. If this balance is negative, t is considered to be zero. Then, we add up all the daily balances for the Feature for the Large Print and Braille billing penod and divide the total by the number of days in the being period. ThisgIves us the ADB for the Feature. If you pay Statements the New Balance on this statement by the next Closing Date, then you will anted additional FC on features included in this 1-800-528-4800 New Balance. II you multiply the ADB for each Feature by the number of days in the tilling period and the DPR for that Feature, the result will be the FC assessed on that Feature, except for variations caused by rooming. The total FC for the tilling_loaned is calculated by adding the FC assessed on all Features of the Account This method o calculabnl the ADB and FO results in daily oonpounding of FC. Transactions Made In Foreign Currendes: It incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion • amerIcanexpreastom rate we use for a Charge in a foreign currency s no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rale identified by us from customary banking sourness on the Customer Service conversion date or the onor business day,In each Instance increased by 2.7%. This conversen rale may differ from P.O. Box 981535 rates in effect on the date of your charge. Charges converted by establishments (such as airlines) will be tilled at the rates El Paso, TX such establishments use Ming Rights Summary: In Case et Errors or Questions About Your Bill: If you think your 79998-1535 bill is incorrect, or of you need more information about a transaction on your bra write us on a separate sheet of paper al the Customer Service address noted to the nght. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us at the number incetoted on the front of this statement, bit doing Express Cash so will not preserve your nghts. In your letter, give us the following information: 1. Your name and account number 2. The P.O. Box 981531 dollar amount of the suspected error, 3. Describe why you believe there is an error. If you need more information, describe El Paso, TX the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are sift 79998-1531 obligated to pay the parts of Tour bill that are not in question. Whir) we investigate your question. we cannot report you as delinquent or take any action °collect the amount youquestion If yOu have authorized us to pay your td automatically from Payments your checking or savings account, you can stop the payment on any amount you think is wrong To stop the payment your P.O. BOX 1270 letter must reach us three business days before the automatic payment is scheduled to occur Special Rule for Credit NEWARK NJ Card Purchases: if you have a problem with the quality of goods or services that yOu purchased with a credit card, and you 07101-1270 have tried in good farth to coned the problem with the merchant, you may not have to pay the remaining anoint due anther goods or services. You have this protection only when the purchase price was more than $50 and t he purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property Or services, all purchasesare covered regardless of amountor location of the pin:hese.) Credit Balance: If a credit balance (designated CR) is shown on this statement. it represents money owed to you If you do not make sufficient charges against the credit balance or request a refund, we will, within 30 days after expiration of the six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit balance 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. Change of Address • To change your address online, visit www.amerIcanexpress.com updatecontactinto Mewl on Irpril • For Name or Company Name changes, please call the Customer Service aid nClva• number on the back of your Card. • ft your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black ink only in the boxes provided. Sent eons our, SIM at Cede I Please provide your MnCale WO email address to Home Phone receive important Area Cole ore account updates and I I 1 j Wait Phone exclusive Cardmember EmM (C0bOnal) offers and benefits Yal may visit the American Express Privacy Statement at wenv.aMeriediexpress.comiprivacy for more details and to set your ems preferences. AMEX000005 SONY_GM3)2743304 EFTA_00230560 EFTA01671963  DUPLICATE COPY RIOIf0:1 Foe Anserr ?..roc, a:nrejl:.vo Page 3 of 5 JEFFREY E EPSTEIN XXXX-XXXXX8-42008 01/26/10 Activity " 1" n‘aPt 'c' ° ImountS 12/28/09' ONLINE PAYMENT THANK YOU -1.219 51 AmountS Duo In Full Activity for JEFFREY E EPSTEIN C.44 %XXX >CM/001420W 12/26/09 EARTHLINK NET INTERNET SVC 44.50 370027314 30309 12/29/09 FEDEX PYMT 04113684 1-800-622-1147 139.57 04113684 38132 JEFFREY E EPSTEIN NY FBO TRANSACTION FEDEX CARTS 04113684 FedExl1-800-622-1147 12/29/09 FEDEX PYMT 041261131-800-622-1147 46.99 0412611338132 JEFFREY E EPSTEIN NY FBO TRANSACTION FEDEX CARTS 04126113 FedEx 51-800.622.1147 01/05/10 VERIZONWRLSSAPO VE vIwRI.SSAPOCC 60.07 VIWRLSS'APOCC 01/05/10 YAHOO FINANCE 866.562.7228 9.95 SERVICE 01/05/10 FEDEX PYMT 04147224 1-800-622-1147 128.55 04147224 38132 JEFFREY E EPSTEIN NY FBO TRANSACTION FEDEX CARTS 04147224 F4K1Ex 51-800-622.1147 01/05/10 FEDEX PYMT 04158052 1-800-622-1147 92.39 04158052 38132 JEFFREY E EPSTEIN NY FBO TRANSACTION FEDEX CARTS 04158052 Fet1Ex 51-800-622.1147 01/07/10 NYSTA - E-ZPASS -NY STATEN ISLAND 15.00 1P-25193640 Description FOR BILLING OUESTIO ACCT: 204395 8 01/08/10 INTUIT '0B ENTERPRIS888-246-8848 1,352.00 SOFTWARE 01/10/10 RILEY KIRALY 2212055C0FtAL SPRINGS 34,317.47 305-825-6120 Description DETECTIVE/GUAR 01/12/10 FEDEX PYMT 041859171.800-6221147 77.51 0418591738132 JEFFREY E EPSTEIN NY FBO TRANSACTION FEDEX CARTS 04185917 FedEx #1-800-622-1147 01/12/10 FEDEX PYMT 041737891-800-622-1147 41.15 04173789 38132 JEFFREY E EPSTEIN NY FBO TRANSACTION FEDEX CARTS 04173789 FedEx #1-800-622-1147 AMEX000006 Continued on reverse SDNY_GM_02743305 EFTA_00230561 EFTA01671964  DUPLICATE COPY Page 4 of 5 JEFFREY E EPSTEIN XXXX-XXXXX8-42008 Due in Full continued '-"Ms 01/13110 EFAX PLUS SERVICE INTERNET SVC 16.95 69591705 90028 01/13110 NYSTA • E-ZPASS -NY STATEN ISLAND 15.00 1P-25585825 Description FOR BILUNG OUESTIO ACCT: 204395 6 01/19/10 FEDEX PYMT 042007361-800622-1147 46.84 0420073638132 JEFFREY E EPSTEIN NY F60 TRANSACTION FEDEX CARTS 04200736 FedEx *1•800552•1147 01/21/10 RILEY KIFtALY2212055CORAL SPRINGS 1.048.60 305525-6120 Description DETECTIVE/GUAR 01/28/10 EARTHUNKNET INTERNET SVC 4453 371746098 30309 Total Duo In Full Activity 37.496.84 Important Notice Renewal Notice Your membership renews next month. The following account terms are in effect at time of renewal, unfeSS otherwise Please refer to page 2 indicated for further important information regarding Statement Information: The amount due on any statement is payable upon receipt of the statement and must be paid your account by the closing date of the next statement to keep your account current Annual Fee: The annual fee is 485 00 for the Basic Card The annual lee is 635 00 for up to five Additional Cards on your Account and $35 00 for each Additional Card on your Account after the first five. You can avoid paying the annual fee by discontinuing your membership by calling the Customer Service telephone number on Page 2 when you receive the statement on which the fee is billed. Grace Period for Purchases on Flexible Payment Features: 30 days on average if previous balance is paid in full, tor enrollees in Sign & Travel° or Extended Payment Option Flexible Payment Features otherwise, no grace period. Method of Computing the Balance Subject to Finance Charge for Purchases on Flexible Payment Features: Average Daily Balance (including new purchases, excluding new purchases made on the Sign & Travel or Extended Payment Option Flexible Payment Feature by Cardmembers enrolled in such Features). APR Information: The Annual Percentage Rates (APRs) and Daily Periodic Rates (OPRs) for each Ming period may vary based on the applicable Prime Rate The Prime Rate used to determine the variable APRs and DPRs is the Prime nate pub fished m The Wall Street Journal (a) on the first day of that balling penod or (b) two days prior to the Closing Date of that billing period, whichever is higher. For either of those dates that is not a customary publication day for The Weft Street Journal, we will substitute the closest Preceding customary publication day. Please see your Cardmember Agreement Any promotional rate will terminate it you fail to pay the minimum amount due by the payment due date Or upon any condition that causes a default or Other penalty rate to apply to your account and then the applicable default or penalty rate will apply You may have access to one or more Flexible Payment Features as part of your Card account. My APRs and DPRs irsted below are applicable to the following as of the Closing Date of this statement. Sign & Travel Tier Rate Description APR DPR STANDARD Pnme • If 99% 19 24% 0.0418% DEFAULT Prime + 23.99% 27.24% 0.0746% AMEX000007 SDNY_GM_02743306 EFTA_00230562 EFTA01671965  DUPLICATE COPY AXWelwrter Can; Oris Page 5015 JEFFREY E EPSTEIN )00000000(8-42008 01/26/10 CastomExtrar 9 GET A 20% BONUS. Get a 20% bonus each time your Dunkin' Donuts Card automatically reloads for $25 or more using any American Express` Card. That's an extra $5 when your OD Card automatically reloads for 825! To get started and for Terms and Conditions go to OunkinDonuts.comllunex USA TODAY Introduces its New Electronic Edition! Subscnbe now 8 weeks/ $9.95 'or 52 W01803/899 Use your American Express' Card to subscribe to USA TODAY at aw.usatoday 75% off newsstand, 8 weeks/S9.95*. USA TODAY's new e-Edition subscribiscorniee817 brings you the news you get in print and more. Enjoy videos, slide or call 1.800.872-0001 shows, expanded and interactive puzzles. Snapshots', audio promo 817. Cancel payments with your text-to-speech capability. Editor's picks, and USA TODAY's first-ever service provider if you Saturday-Sunday "Extra" edition--a special guide available only to dose yew Card account, subscribers for the e-Edition. Prorated subscription refunds for and adrise provider if cancellation will appear on your account. Offer expires 03/31/2010. your Card number changes. (CE 112801) Offer expires 031312010. '8-week introductory offer- requires EZ-Pay enrollment payment option. After 8 weeks, your Card will be billed automatically every 4 weeks to continue subscription at published rate (Currently $9 95) unless nabbed or you decide to cancel What's In the Gift Box Today? Visit dellywish.comr dreemblg With Daily Wish, you11 find savings all the time, all year round. Plus, three days a week, a fresh collection of handpicked products goes on sale. You can get (CE 112788) savings up to 50% off--everything from travel to electronics to fashion. But inventory is limited--so be quick! Visit dailywish.com/dreambig inRtlS Terms and Conditions: Daily Wish from American Express is available to U.S. residents, 18 or older, who are holders of any consumer American Express Card in good stamina. Some products will be available in limited quantity and on a first-come, first-served basis, while supplies last. All sales are final. Void where prohibited. Adcitional restrictions apply. Offers provided by participating American Express merchants. All offers are subject to terms and conditions available on amemetwork.conVdailywishterms. The Daily Wish program is subject to change or cancellation at any time. Payment must be made on any American Express Card. AMEX000008 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. SDNY_GM_02743307 EFTA_00230563 EFTA01671966  AMEX000009 SONY_GM_02743308 EFTA_00230564 EFTA01671967  DUPLICATE COPY 194,052 Gold Card' Membership Rewards' Points Available Statement of Account at 02,23/10, when charges Cue are , • tuft and ail accounts are in good st... • P,inkted Fa Accede, Nwia. C COM CAM JEFFREY E EPSTEIN W0(40000(8-42008 02/23/10 Page 1 018 Now KIM/ New Please Pay By Preroas Sara, $ Par,w4Acturii re AeAllnerils saws $ 03/10/10 37,496.84 IMAM +33,135.62 Please refer to pegs 4 for important information regarding your account See Page 7 for important Privacy Notice and the following page for important Electronic Fund Transfer Error Resolution Notice Your payment of $33,135.62 will be debited from your account on 03/10/10. An inquiry to American Express concerning this debit should be made before 03/09/10. If your AutoPay payment is less than your New Balance. we must receive an additional payment for the difference by your next Closing Date. To manage your Card account online or to pay your bill, please visit us at www.amencanexpress.com. For additional contact information, please see the reverse side of this page. Know how you spend at a glance. Access your Year-End Summary through your Online Statement. Download a snapshot in PDF or Excel. Analyze your annual expenses in pie or bar charts by categories like travel and restaurants. Remember that any charges posted to your account after December 31. 2009 will appear on your 2010 summary. Learn more at americanexpress.com/yearendsummary Activity Moon pastrg dole Amount 01/28/10' ONLINE PAYMENT THANK YOU 47,496.84 Coalnued on Page 3 Do not staple or use 030e, CIIPS Please Pay By: Your Card balance will be Payment Coupon 8 I Hunter ii ces-142008 03/10/10 automatically debited from your designated account. Enter account number on all documents. JEFFREY E EPSTEIN 6100 RED HOOK OTR AutoPay Amount See Finance Charges $33,135.62 section on reverse side to SUITE B3 a description of when SAINT THOMAS VI 00802 additional Finance Charges are not assessed on Features. Check here if address a telephone mate has changed Note changes on reverse side AMERICAN EXPRESS P.O. BOX 1270 NEWARK NJ 07101-1270 AMEX000310 842008 003313562003313562 22 R SDNY_GM_02743309 EFTA_00230565 EFTA01671968  DUPLICATE COPY Puiewes For Aacaven Page 2 of 8 JEFFREY E EPSTEIN reoctiate cxxxs-mos Payments: Payments received after 5:00 p.m. may not be credited until the next day Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must be made with a single die& or draft drawn on a US bank and payable in US dears. or with a negotiable instrument payable in US dollars and clearable through the US banking system, or through an electronic payment method payable in US dollars and clearable through the US banking system Your Account number must be included on all payments. If To Pay By Phone payment does not conform to these requirements, crediting may be delayed and additional Charges may be imposed. If we 1400-472-9297 accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US dollars, unless a particular rate required by law. Please do not send post-dated checks. They wit be depositeded upon reoe receipt. Our acceflice acceptance of any payment marked with a reslrCrve restrictive legend will not act operate as an a accordd and Customer Service satisfaction without our express prior written approval. Authorization for Electronic Debit: We wit process Checks 1-800-5284800 electronically at first presentment and any re-presentments, by transmitting the amount of the check, routing number, 24 hourar7 days account number and check serial number to your financial institution, unless the check is not processable electronically or a less costly process is available By submitting a check for payment, you authonze us to initiate an electronic debit from your Lost d Stolen Card bank or asset account. When we process your check electronically, your payment may be deleted to your bank or asset 1.800.992.3404 Wen nit as soon as the same day we receive your check, and you will not receive that cancelled cheer with your bank or asset account statement. If we cannot collect the funds electronically we may issue a draft against your bank or asset Express Cash account for the amount of the check. Authorization for Electronic Payments: By using the Amencan Express Pay 1400-CASH-NOW By Computer, Pay By Phone or any other Amencan Express electronic payment service, you wit be authonzing American Express to initiate an electronic debt to the financial urav nit you specify in the amount you request Payments received after 8:00 p.m. MST may 004 be credited until the next day. To use Pay By Computer, please vise us at International Collect www amencanexpress.com. Finance Charges: Average Daily Balance (ADB) Method for Calculation of Finance 1.336.393.1111 Charges (FC): We use the ADB Method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying the Daily Periodic Rate (DPR) to the ADB (as described below) for each Feature (including current H 9esal linimaired transactions). Different daly periodic rates may be applied to separate Feature balances. To get the ADB for each EST) feature. we (1) take the beginning balance for each day (including unpaid FC from previous billing periods) (2) add any TTY: 1.800-221-9950 new transactions. debts, or lees, (3) subtract any paymentsor credits, and (4) make any appropriate adjustments For each FAX: 1-800495-9090 day attar the first day only bang period, b., also add an amount of interest aqua/ to the previous days dailgebilance In NY. 1-800-522-1897 multpb.d by the DPR for the Feature. This gives us the daily balance for the Feature for that day and the mime balance for that Feature for the next day If this balance a negative it is considered lobe zero Then, we add up all t edgily balances for the Feature for the bilking period and divide the total by the number of days in the billing pond. This gives Large Print and Braille us the ADB for the Feature. If you pay the New Balance on this statement by the next Closing Date, then you will avoid Statements additional FC on features included in this New Balance. II you multi* the ADB for each Feature by the number of days in 1-800-528-4800 the billing period and the DPR for that Feature, the result will be the FC assessed on that Feature, except for vaneans caused by rounding. The total FC for the billing period is calculated by adding the FC assessed on all Features of the Account. mm method of calculating the ADB and FC mulls m daily corrpounchng of FC. Transactions Made in Foreign Currendes: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is raptured by applicable law, we will choose a conversion rate that is acceptable to us for that date Currently, the conversion rate we use for a Charge • amerManexpreastom in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the Customer Service conversion date or the prior business day In each instance increased by 2.7%. This conversion rate may differ from P.O. Box 981535 rates in effect on the date of your charge Charges converted by establishment (such as airlines) will be billed at the rates El Pas-1o, TX such establishments use lE efthgll nma : In Case of Errors or Ouestions About Your Bill: If you think your tolls incorrect or if you needliffeenferritation about a transaction on your be. write us on a separate sheet of paper at 798 99 535 the Customer Service address noted to the right. We must hear from you no later than 60 days after we sent you the first be on which the error or problem appeared. You can telephone us at the number indicated on the front of the statement, but Express Cash doing so will not preserve your nghts. In your letter, give us the following information: 1. Your name and account miter, P.O. Box 981531 2 The dollar amount of the suspected error; 3. Descnbe why you believe there is an error. If you need more information, El Paso, TX describe the item you are unsure about You do not have to pay any amount in question while we are investigating, but you 79998-1531 are still obligated to pay the parts of your bill that are not in question. Whole we investigate your question, we cannot report you as delinquent or take any ache) to collect the amount you question. If you have authorized us to pay tour bill Payments automatically from your checking Cr savings account, you can stop the payment on any amount you think is wrong. To stop P.O. BOX 1270 the pa your letter must reach us three business days before the automatic payment is scduled to occur. Special NEWARK NJ Rule or Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with 07101-1270 a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (II we own Cr operate the merchant, or if we mated you the advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) Credit Balance: If a credit balance (designated CR) is shown on this statement, it its money owed to you. If you do not make sufficient charges against the credit balance or request a refund, we will, zr , 30 days after expiration of the six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit balance if the amount is 51.00 or more. New York residents may contact the New York Banking Departmental to obtain a comparative listing of credit card rates, fees and grace periods by calling 1.800.518-8888. Change of Address • To change your address online. visit www.amerIcanexpress.com updatecontactinto Will on Prom • For Name or Company Name changes, please call the Customer Service do now number on the back of your Card. • it your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black ink only in the boxes provided. seta Palma I I I I l l i Orr, aw 40:de I Please provide your MnCOS WO e-mail address to Home Phone receive important Mn Cole and account updates and I I 1 j Work Phone