EFTA01684802.pdf

DUPLICATE COPY p. 1/4 05/24/11 iiiiiiiiiiiii......... Account: XXXX-XXXXXO- Dear Cardmember, An important legal notice regarding the account referenced above is included on the reverse of this letter and/or on the enclosed additional page(s). This legal notice, when indicated, supplements or modifies the terms of your Cardmember Agreement. We encourage you to review it carefully and then file it for safekeeping. If you have any questions, you may call our general customer service number, 1-800-528-4800, or you may call the toll free number on the back of your card. Thank you. G MAXWELL ELLMAX LLC 499918445042410524 AMEX000004 SDNY_GM_00325804 EFTA_00198558 EFTA01684802  DUPLICATE CO G MAXWELL Account Ending p.2/4 AMEX000005 SDNY_GM_00325805 EFTA_00198559 EFTA01684803  DUPLICATE COPY Business Gold Rewards Card ELLMAX LLC OPEN p 3/4 G MAXWELL Closing Date 05/24,11 Account Ending 0. An important Notice Concerning Cardmember Privacy This Privacy Notice is addressed to United States holders of personal American Express' Charge Cards or accounts. Optima' Cards or accounts, other personal credit card accounts that we issue, and to United States holders of business charge and credit cards from OPEN from American Express. This Notice explains how we collect, use and safeguard information about you and how to limit the use and disclosure of your information. In this Notice. "American Express," "we? 'our? and 'us' refer to American Express Travel Related Services Company, Inc., American Express Centurion Bank and American Express Bank, FSB. These entities are "Affiliates' of each other. which are companies in the American Express family that are related to each other by common ownership or control. Our Affiliates also include publishers, travelers cheque issuers, travel agents and providers of Card-related insurance services. The cards and accounts that we issue are called "Cards" or "Card accounts? Holders or those Card accounts are called "Cardmembers"or "you(r)." What Information Do We Collect? relevant and valuable to you. II you respond to one of these We obtain information about you from a variety of sources. offers, the business partner will know certain information You provide us with information about yourself, for about you, such as your name, that you are a Cardmember, example, by completing Card applications. This includes and that you met the qualifications established for the offer. your name, address. social security number, and income You can inform us not to send you these offers. and asset information. Your use of the Card and your Your Choices other transactions with us and our Affiliates provide us with Please let us know if you do not want us to use your additional information, such as your spending and payment Cardmember Information to communicate with you about history. Other sources, such as credit reporting agencies offers, including exclusive partner offers and otters from our and providers of marketing information, furnish us with Affiliates, by mail, telephone and/or e-mai, or share your additional information about your credit history. purchasing credit-related information with our Affiliates, by visiting us at: preferences, and other matters. We also obtain www.americanexpress.00mloommunloatIona You can information about you in connection with our efforts to also inform us of your choices (except for e-mail protect against fraud. We call all of this information communications) by calling us at 1.800.297.8378 If you "Cardmember Information." make these choices, you may not learn about products, What Do We Do with Cardmember Information? services and features, including discounts and other special We use Cardmember Informationin connection with offers, we believe may be of interest to you and add value to delivering products and services to you. To do this it is your Card membership. often necessary to share it with our Affiliates and other If you have other Card accounts with us, you will receive companies we work with. These include companies that additional privacy notices that apply to those accounts. manage Card accounts, offer affinity, frequent-user, and Please note that any oholoes you make will only apply to reward programs, companies that perform marketing this account. services and other business operations for us, and companies whose products or services are provided as a If you are the primary Cardmember on your Card account. benefit of your Card account. We may also share any choices you make in accordance with this Notice will also Cardmember Information with other financial institutions apply to any other Cardmember on this account (except for with whom we jointly offer products and services. And we e-mail communications). If you make choices not to receive may disclose it to other third parties as permitted by law. offers as indicated above, we may still include notices and For example, we disclose Cardmember Information in information about the Card and other products and services response to subpoenas, to credit reporting agencies, and to when communicating with you about your Card account and help prevent fraud. related products and services. Information We Share with Our Affiliates InformationSecurity You can inform us not to share with our Affiliates We use reasonable administrative, technical and physical credit-relatedinfomiation (except as permitted by law), security measures to protect your Cardmember Information. such as your credit history as shown on a consumer report. Former Customers II you make this choice, we are permitted by law to share If you cancel your Card. or your Card account(s) are closed, with our Affiliates information about our transactions and we will continue to treat and safeguard Cardmember experiences with you, such as your payment history. Information about you as described in this Notice. Valuable Partner Offers For Vermont Cardmembers Only We work with carefully selected business partners, such as If your Card account has a Vermont billing address, we will merchants that accept the Card, so that you may receive automatically treat your account as if you had informed us not offers for their products and services. We use to share your credit-related information with our Affiliates. Cardmember Information to help make these offers more SPO30 BP/PRVOPEN/0310 EX000006 SDNY_GM_00325806 EFTA_00198560 EFTA01684804  DUPLICATE COS G MAXWELL Account Ending 0- p. 4/4 Billing Dispute Procedures What To Do If You Find a Mistake on Your Statement If you think there is on error on your statement. write to us at: American Express PO Box 981535 El Paso TX 79998-1535 In your letter. give us the following kiformation: • Account information Your name and account number. • Dollar amount The dollar amount of the suspected error. • Description o problem 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 on 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 waling. You may call us. but if you do we may not follow these procedures 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 will tell you that we received your letter. We will also tell you if we have already corrected the error 2. We wit investigate your inquiry and will either correct the error or explain to you why we believe the bit is correct. While we investigate whether or not there has been an error: • We will not try to collect the amount in question. • 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 flesh our investigation. one of two things will happen: • II 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 report you as delinquent it you do not pay the amount we think you owe. 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 to or from a consumer bank account using your American Express Card, including Express Cash transactions. or electronic payments from a consumer bank account 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 it 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 1-8001PAY.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 canine at vnywomericanexpress.cominquirycenter. We must hew 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. II 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 wil 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. II we decide to do this, we will credit your consumer bank account within 10 business days for the amount you think is in error. so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days. we may not credit your account. For errors involving point-IA.3ot° 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. II 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. II 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. SPO30 BP/PRVOPEN;0310 AMEX000007 SDNY_GM_00325807 EFTA_00198561 EFTA01684805  DUPLICATE COPY Business Gold Rewards Card ELLMAX LLC OPEN xn p. 1/5 G MAXWELL Closing Date 06/23/11 Account Ending 0-M Membership Rewards° Points New Balance $1,547.04 Asof 06/23/11 190,512 Please Pay By 07/08/11 Account Summery D See page 2 for important Information about your account. Previous Balance $0.00 (i) Wekome to American Express! Payments/Credits 40.00 NewCharges +$1,547.04 Fees +$OX New Balance 51,547.041 Days in Billing Period: 30 Customer Care Pay by Computer openxorn/ Customer Care Pay by Phone 1.800-678-0745 1-800-472-9297 See page 2 for additional information. 3 Please fold on the perforation below. detach and return with your payment 3 POIPayment Coupon Pay by Computer Pa Pay by Phone Account Ending 0= Do not staple or use paper clips open.com/pbc 1.800.472-9297 Enter account number on all documents. Makecheck payable to American Express. G MAXWELL Please Pay By ELLMAX LLC 07/08/11 Amount Due 51,547.04 fl i Check here if your addressor AMERICAN EXPRESS 1-1 phone number has changed. P.O. BOX 1270 Note charges on reverse side. NEWARK NJ 07101-1270 AME X000008 000154704000154704 20 r1 SDNY_GM00325808 EFTA_00198562 EFTA01684806  G MAXWELL DeckWitil;LFISTS p. 2/5 Payments: Yew 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: (11include 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. H 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 t hey will be deposited upon receipt. Any restrictive language O11a 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 Electronk Withdrawal: (1) When you send a check for payment, you give us permission to elect ronkally withdraw your payment from your deposit or other asset account. We will process checks electronically by transmitting the amount of thecheck routing number, account number and check serial number to your financial institution, unless the check is not processable electionkally 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 financial account 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 Cakulate Your Balance: We use the Average Daily Balance (ADS) method (including new transactions) to cakulate the balance on whkh we charge interest for Pay Over Time balances 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 rokulate the AD8 andinterest results in doily compounding ofinterest. Paying Interest: If you have a Pay Over Time balance, your due date hat least 25 days after the close of each billing period. We will not charge you interest on t he Pay Over Time balance if you pay the Account Total New Balance by the next Closing 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 choosea conversion tate that is acceptable to us for that date, unless a particular rate is required by law. The conversion rate we use is no mote than the highest official rate published by a government agency or the highest interbank rate we identify from customary banking sources on the conversiondate or the prior business day. This tate may differ from rates in effect on the date of your charge. Charges convened by establishments will be billed at the rates such establishments use. Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is 51.00 or more. Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, of 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 Servke & Billing Inquiries 1-800-678-0745 Hearing Impaired Website: amerkanespress.com International Collect 1-336.3931111 TTY: 1 800 221 9950 Mobile Site: amexmobile.com Large Print & Braille Statements 1-800-678-0745 FAX: I 800 695 9090 Lost or Stolen Card 1-800678-0745 In NY:1-800 522 1897 Customer Service Express Cash 1-8CO CASH NOW & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998-1535 07101.1270 Change of Address Ilcotrect on front do not use. Pay Your Bill with AutoPay • To change your address online, visit sweveamericanespressiorrilupdatecontactinfo • nor Name. Company Name. and Fomign Midas's or Phone changes, pleasecall (unmet Cart • Avoid late fees • Please print dearly inblue or black Ink only in the bases provided. • Save time n Deduct your payment from your bank Sleet Address I 1 I I account automatically each month Visit americanexpress-comfautopay City, State today toenroll. Zip Code Azea Code and Home Rana vAoStedsend For inionnation on how we protect your privacy and to set you. communication Email and privacy choices. please visit www.emericasexpresszoirdpfincy. AMEX000009 SDNY_GM_00325809 EFTA_00 198563 EFTA01684807  DUPLICATE COPY Business Gold Rewards Card ELLMAX LLC OPEN 3,1 p 3/5 G MAXWELL Closing Date 06/23/11 Account Ending 0- New Charges Summary Total Tool Mow Charges $1,547.04 Detail G MAXWELL Card Ending 0.= Amount 06/02/11 CONKLIN OFFICE SERVI113-7331187 $19053 113-7331187 06/05/11 SETAI SOUTH BEACH LLMLAMI BEACH FL $275.00 LODGING 06/05/11 EPICURE MARKET EPICUMIAMI BEACH FL $18.46 305-672-0385 06/05/11 CHEVRON LARRYS SERVIMIAMI BEACH FL $40.00 0000000003 Description Pike FUEUMtSCELLANEOUS $40.00 06/06/11 STARBUCKS CORP082420MIAMI BEACH FL $5.30 800-7827282 06/07/11 PALM BEACH LAKES BP WEST PALM BEA FL $7000 561.471.5512 Quantity Description Price 17 Unleaded Super $404 06/07/11 DR ROBERTS C GREER DUKE PARK FL $11500 DOCTOR & PHYSICIAN 06/07/11 C STARBUCKS P0161529WEST PALM BEA FL $3.03 561.6830834 FOOD $303 06/08/11 STARBUCKS CORP008219NEW YORK NY $3.43 800-7827282 06/08/11 AMAZON.COM AMZN.COMA3ILL WA $58.77 MERCHANDISE 06/11/11 LOBELS LOBELS NEW YORK NY $130.37 MISC FOOD STORE 06/12/11 STARBUCKS CORP008219NEW YORK NY $4.30 8007827282 06/12/11 STARBUCKS CORK08219NEW YORK NY $5.00 800-7827282 06/20/11 NOBU 57 NEW YORK NY $9900 RESTAURANT F000/BEVERAGE $83.57 11P $15.43 06/21/11 MB F DOG SHOWS INFODGREENSBORO NC $65.90 336-379-9352 06/22/11 HSS - CASHIER NEW YORK NY $459.52 HOSPITAL Description 188070 AMEX000010 Continued on reverse SDNY_GM_00326810 EFTA_00198564 EFTA01684808  G MAXWELL DecidigirignFSE p 4/5 ( Detail Continued Amount 06/22/11 STARBUCKSCORP008210NEW YORK NY S3.43 800-7827282 Fees Amount Total Foos for this Period 50.00 2011 Fees and Interest Totals Year-to-Date Amount Total Fees in 2011 SOHO Total Interest in 2011 50.00 AMEX000011 SDNY_GM_00325811 EFTA_00198565 EFTA01684809  slallgyaTE COPY OPEN Savings' p. 515 Nevem, G MAXWELL ELLMAX LLC Savings this Billing Period Savings Since January 2011 0.00 0.00 To start saving today, visit www.open.com/opensavings and learn more about the OPEN Savings program and participating merchants Other Ways To Save! Save automatically when you use your Card at these OPEN Savings partners. sc- Feckx Fecix Fed Office Hertz. raiffran Save 5% SaveN Save 5% i. Save up to 10% Save 5% OffiWORKcatar WITH US' hodirectcom H.yA r T . Symantec A MONMOUNTAINI Savel% Save 5% Save 3% Save 10% Save 10% a,viva :or s $100 or mon anaL ke„ detitt Falit LAI i *Hsi Save 5% Save 5% Save 5% Save 5% Save 5% EPSON' BIRNESMIDELEO Logo CAREY' Save 5% Save 5% Savo 5% Save 5% Save 10% Save 5% Enjoy added savings for your business. Learn more at opensavings.com AMEX000012 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_00325812 EFTA_00198566 EFTA01684810 AMEX000013 SDNY_GM_00325813 EFTA_00198567 EFTA01684811  DUPLICATE COPY Business Gold Rewards ELLMAX LLC OPEN p. 1/5 G MAXWELL Closing Date 07/24/11 Account Ending 0-= Membership Rewards* Points New Balance $2,190.22 As of 07/24/11 204,359 Please Pay By 08/08/11 Account Summary Q See page 2 for important information about your account. Previous Balance $1,547.04 Payments/Credks 41,547.04 New Charges +52,190.22 Fees +50.00 New Balance 52,190.22 Days in Billing Period: 31 Customer Care Pay by opeoccfm/ c7c iter Customer Care Pay by Phone 14M-678.074S 1.800-472.9297 See page 2 for additional information. 4 Please fold on the perforation below, detach and return with your payment 4 RsPayment Coupon Account Ending OM Do not staple or use paper clips Pay by Computer openxom/pbc g Pay by Phone 1.800.472-9297 Enter account number on all documents. Make check payable to American Express. G MAXWELL ELLMAX LLC Please Pay By 08/08/11 Amount Due S2,190.22 AMERICAN EXPRESS ri Check here if your address or P.O. BOX 1270 1-1 phone number hasc hanged. NEWARK NJ 07101-1270 Note changes on reverse side. AMEX000014 000219022000219022 20 ri SDNY_GM_00325814 EFTA_00 198568 EFTA01684812  G MAXWELL DeckWitil;LFISTS p. 2/5 Payments: Yew 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: (11include 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. H 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 t hey will be deposited upon receipt. Any restrictive language 011a 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 Electronk Withdrawal: (1) When you send a check for payment, you give us permission to elect ronkally withdraw your payment from your deposit or other asset account. We will process checks electronically by transmitting the amount of thecheck routing number, account number and check serial number to your financial institution, unless the check is not processable electionkally 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 financial account 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 Cakulate Your Balance: We use the Average Daily Balance (ADS) method (including new transactions) to cakulate the balance on whkh we charge interest for Pay Over Time balances 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 rokulate the AD8 andinterest results in doily compounding ofinterest. Paying Interest: If you have a Pay Over Time balance, your due date hat least 25 days after the close of each billing period. We will not charge you interest on t he Pay Over Time balance if you pay the Account Total New Balance by the next Closing 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 choosea conversion tate that is acceptable to us for that date, unless a particular rate is required by law. The conversion rate we use is no mote than the highest official rate published by a government agency or the highest interbank rate we identify from customary banking sources on the conversiondate or the prior business day. This tate may differ from rates in effect on the date of your charge. Charges convened by establishments will be billed at the rates such establishments use. Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is 51.00 or more. Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, of other defaults on your Account may be reflected in your credit report. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Customer Care & Billing Inquiries 1-800-678-0745 Hearing Impaired Website: amerkanespress.com International Collect 1-336.3931111 TTY: 1 800 221 9950 Mobile Site: amexmobile.com Large Print & Braille Statements 1-800-678-0745 FAX: I 800 695 9090 Lost or Stolen Card 1-800678-0745 In NY: I -800 522 1897 Customer Care Express Cash 1-8CO CASH NOW & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998-1535 07101.1270 Change of Address ',correct on front do not use. Pay Your Bill with AutoPay • To change your address online, visit swnvamericanespressiorrilupdatecontactinfo • fix Name. Company Name. and foreign Address or Phone changes, pleasecall Customer Cart • Avoid late fees • Please print dearly inblue or black Ink only in the boxes provided. • Save time n Deduct your payment from your bank Street Address I I I account automatically each month Visit americanexpress-comfautopay City, State today toenroll. Zip Code Area Code and Home Rana vAoStedsend for information on how we protect your privacy and to set your communication Email and privacy choices. please visit www.emerkanexpress.com/pdvacy. AMEX000015 SDNY_GM_00325815 EFTA_00 198569 EFTA01684813  DUPLICATE COPY Business Gold Rewards ELLMAX LLC OPEN BM p 3/5 G MAXWELL Closing Date 07/24/11 Account Ending 0-= Payments and Credits Summary Total Payments 41,547.04 Credits $0.00 Total Payments and Credits 41,547.04 Detail •ndicater posting doe Payments Amount 07/15/1P ONLINE PAYMENT - THANK YOU 41,547.04 New Charges Summary Total Total New Charges $2,190.22 Detail G MAXWELL Card Ending 01.. Amount 06/24/11 J SISTERS 57 INC 212-813.0281 NY 5/8.40 BEAU7Y/BARBER SHOP 06/24/11 1SISTERS 57 INC 212813-0281 NY $94.05