EFTA02700950.pdf

Centurion Card p. 1/15 JEFFREY E EPSTEIN Closing Date 07/10/12 Account Ending 0-12003 1 Membership Rewards" Points New Balance $66,547.72 As of 07/10/12 Amount Due $65,156.66 3,463,672 D For details, please see your Membership Rewards page. Please Pay By 07/25/12 Account Summary Previous Balance 161,780.60 Payments/Credits -165,544.97 See page 2 for important information about your account. New Charges +170.312.09 Fees +10.00 O Your payment of $66,547.72 will be debited from your account on 07/25/12. Any inquiry to American Express concerning this debit New Balance 566,547.72 should be made by 07/23/12. If your AutoPay payment Is less than your Amount Due, we must receive an additional payment for at least the Days in Billing Period: 32 difference by your next Closing Date. Customer Care 0 Your billing inquiry is under investigation. No payment on the amount Pay by Computer under review of 51,391.06 is required at this time. To view the status of a mericanexpress.com/pbc your investigation, please visit us at americanexpress.com/inquirycenter. Customer Care Pay byPhone 1.877.877-0987 1.800.4729297 See page 2 for additional information. Payment Coupon Pay by Computer Pay by Phone Account Ending 0-12003 Do not staple or use paper clips a mericanexpress.com/pbc S 1-800-472-9297 Enter account number on all documents. Make check payable to American Express. JEFFREY E EPSTEIN 9E 71ST ST Please Pay By NEW YORK NY 10021-4102 07/25/12 AutoPay Amount 566,547.72 .....1.1...11.1..1...1111 1 111...1.1.,11.,.1 AMERICAN EXPRESS P.O. BOX 1270 Check here if your addressor NEWARK NJ 07101-1270 phone number has changed. Note changes on reverse side. 11$4.1•11...111m1wIllmil..11 00003499%868454851 006654772006515666 06 rl EFTA_R1_02068883 EFTA02700950  JEFFREY E EPSTEIN Account Ending 0-12003 p. 2115 Payments: Your payment must be sent to the payment address shown on your statement and must be received by 5 p.m. local time at that address to be credited as of the day it is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon from your statement (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system: and (3) include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional Interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system. If we accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unless a particular rate is required by law. Please do not send post-dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will have no effect on us without our express prior written approval. We will re-present to your financial institution any payment that is returned unpaid. Permission for Electronic Withdrawal: (1) When you send a check for payment, you give us permission to electronically withdraw your payment from your deposit or other asset account. We will process checks electronically by transmitting the amount of the check routing number, account number and check serial number to 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 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 financialaccount 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 (ADO) method (including new transactions) to calculate the balance on which 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 figure the ADS and interest results in doily compoundingof interest. PayinginterestIf you have a Pay Over Time balance, your due date is at least 25 days after the close of each billing period. We will begin charging interest on transactions added to a Pay Over Time balance as of the date they are added. However, we will not charge interest on charges added to a Pay Over Time balance automatically (for example, Sign& Trove!and Extended Payment Option) if you pay the Account Total New Balanceby the due date each month. 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 choose a conversion rate that Is acceptable to us for that date, unless a partkular 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 conversion date or the prior business day. This rate may differ from rates in effect on the date of your charge. Charges converted by establishmentswill be billed at the rates such establishinentsuse. 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 S1.00 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 NY Banking Dept. for a comparative listing of credit card rates, fees and grace periods at 1-800-518-8866. ra Customer Care & Billing Inquiries IntematIonalCollect Large Print & Braille Statements 1-877-877-0987 1.954503.8905 1.877.877-0987 HearingImpaired TTY: I -800.221-9950 FAX:1-800-695-9090 Webshe: americanexpress.com 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. Pay Your Bill with AutoPay • To change your address online, visit www.americanexpress,cornrupdatecontactmfo • 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 amerkanexpress.com/autopay City, State today to enroll. Zip Code Area Code and Nome Phone Area Code and For information on how we protect your Work Phone privacy and to set your communication Email and privacy chokes. Please visit www.anwritanexpressxom/privacy. EFTA_R1_02068684 EFTA02700951  Centurion° Card p. 3115 JEFFREY E EPSTEIN Closing Date 07/10/12 Account Ending 0-12003 Payments and Credits Summary Total Payments 457555.53 Credits JEFFREY E EPSTEIN 0.12003 $0.00 0-13027 -$7,951,44 0-11039 -$38.00 To aymen teats 465,544.97 ( Detail Indicates posting date Payments Amount 06/11/1r JEFFREY E EPSTEIN ONLINE PAYMENT - THANK YOU -$57.555.53 Credits Amount 06/09/12 BO CONCEPT 882100045NEW YORK NY -$2,834.01 6463368188 06/14/12 FOCUS CAMERA EC20368ROOKLYN NY -$7855 06/21/12 LAZZONI CHELSEA 212-242-0606 -$739.26 212-242-0606 06/26/12 AMERICAN EXPRESS TVPHOENIX AZ -$1.089.70 06/28/12 PC RICHARD & SON eS7NEW YORK NY -$3,209.92 HOUSEHOLD APPUANCES Description APPLIANCES-ELE 06/22/12 AA REFUND DALLAS TX 438.00 AMERICAN AIRLINES From: To: Carder: Class: N/A N/A Yv 00 N/A YY 00 N/A YY 00 N/A YY 00 Ticket Number: 0010635728209 Passenger Name: Document Type: SUPPORTED REFUND New Charges Summary Total JEFFREY E EPSTEIN 0.12003 $110.94 la0-13027 $34,580.92 0-11039 $35.62023 $70,312.09 Continued on reverse E FTA_R1_02068685 EFTA02700952  JEFFREY E EPSTEIN Account Ending 0-12003 p. 4/15 ( Detail JEFFREY E EPSTEIN Card Ending 0-12003 Foreign Spend Amount 06/13/12 SPOTIFY MUSK SUBS ULONDON $9.99 DIRECT MKTG MISC www.spotify.com fy USA•subs swv.s ycom 06/14/12 WWW.ITUNES.COM ITUNEAUST1N TX $5.99 'Tunes Music Store 06/22/12 AT&T DATA 190 ALPHARETTA GA $49.99 800-331-0500 Description TELECOMMUNICAT 06/22/12 AT&T DATA 190 ALPHARETTA GA $30.00 800-331-0500 Description TELECOMMUNICAT 07/10/12 ViMMUTUNES.COM ITUNEAUST1N TX $14.97 iTunes Music Store SI Card Ending 0-13027 Foreign Spend Amount 06/11/12 ORBITZ MANKATO MN $156/0 AMERICAN AIRLINES INC From: To: Carrier: Class: N.Y.1 F KENNEDY I ST THOMAS CYRIL E AA N/A YY 00 N/A YY 00 N/A YY 00 Ticket Number: 00170877143124 Date of Departure:06/16 Passenger Name: NICOLA/ION Document Type: PASSENGER TICKET 06/12/12 MONTHLY PARKING 877-717-0004 TN $10.00 PARKING 06/13/12 AMAZON MKTPLACE PMTSAMIN.COWBILL WA $312.87 MERCHANDISE 06/14/12 AMERICAN EXPRESS TVLPHOENIX AZ $56.00 AMERICAN AIRLINES INC From: To: Carrier: Class: SAN JUAN LUIS MUNO ST THOMAS CYRIL E AA N/A YY 00 N/A YY 00 N/A YY 00 Ticket Number: 00170687581481 Date of Departure: 06/15 Passenger Name: A Document Type: 06/14/12 FOCUS CAMERA EC203618ROOKLYN NY $7835 718.437-8831 06/14/12 PC RICHARD & SON /SINEW YORK NY $6,043.70 HOUSEHOLD APPLIANCES Description APPLIANCES-ELE Continued on next page EFTA_R1_02068686 EFTA02700953  Centurion® Card p. 5/15 JEFFREY E EPSTEIN Closing Date 07/10/12 Account Ending 0-12003 Detail Continued Foreign Spend Amount 06/15/12 BRITISH AIRWAYS PLC UNITED STATES OF A 57,319.70 BRMSH AIRWAYS PLC From: To: Carrier: Class: N.Y. NEWARK INTL A PARIS ORLY APT EC N/A YY 00 N/A YY 00 N/A YY 00 Ticket Number: 1257069157842 Date of Departure:06/21 Passenger Name: EPSTEIN/JEFFREY EDWA Document Type: AGENCY PASSENGER TICKET 06/15/12 BRITISH AIRWAYS PLC UNITED STATES OF A $2,428.70 BRITISH AIRWAYS PLC From: To: Carrier. Class: N.Y. NEWARK INTL A PARIS ORLY APT EC N/A NA( 00 N/A YY 00 N/A YY 00 Ticket Number: 1257069157843 Date of Depanure:06/21 Passenger Na Document Type: AGENCY PASSENGER TICKET 06/17/12 BEDBATH&BEYONDM0651 TOTOWA NJ $688.04 973-785-4333 06/18/12 PARK 76 HEARING NEW YORK NY $2,900.00 212-288-5038 Description MEDICAL SUPPLI 06/19/12 ORBITZ MANKATO MN $520.60 UNITED AIRLINES From: To: Carrier. Class: ALBUQUERQUE LOS ANGELES INTERN UA U SAN FRANCISCO INTL AS H N/A YY 00 N/A YY 00 Ticket Number: e11.11 7 - Date of Departure:06/21 Passenger Na Document Type: PASSENGER TICKET 06/19/12 ORBITZ MANKATO MN $434.60 AMERICAN AIRLINES INC From: To: Carrier. Class: NEW YORK LA GUARDI DALLAS/FORT WORTH AA ALBUQUERQUE AA N/A YY 00 N/A YY 00 Ticket Number: Date of Oepanure:OW21 Passenger Nam Document Type: 06/19/12 BOCONCEPT SOHO, INC.NEW YORK NY 52,564.01 6463368188 06/19/12 LEX SOUPS LLC 542929NEW YORK NY $7.77 2122552400 FOOD/BEVERAGE $7.77 Continued on reverse EFTA_R1_02068687 EFTA02700954  JEFFREY E EPSTEIN Account Ending 0-12003 p. 6/15 [ Detail Continued J Foreign Spend Amount 06/19/12 ORBITZ.COM CHICAGO IL $6.99 OWN(' ORBITZ.COM ROC No. 1213624941 06/20/12 SMITH+NOBLE HOME INC/300-2284888 CA $1,136.54 WINDOW WARE 06/20/12 SMITH+NOBLE HOME INC_800-228-8888 CA $789.30 WINDOW WARE 06/20/12 SMITH+NOBLE HOME INC800-228-8888 CA $789.30 WINDOW WARE 06/20/12 GRACIOUS HOMES 4 001NEW YORK NY $614.71 800-8086950 06/20/12 GRACIOUS HOMES 4 001NEW YORK NY $20730 800-8086950 06/21/12 AMERICAN EXPRESS TVLPHOENIX AZ $1,089.70 UNITED AIRLINES From: To: Carrier. Class: N.Y. NEWARK INTL A SAN JUAN LUIS MUNO UA ST THOMAS CYRIL E AA B N/A YY 00 N/A W 00 Ticket Number: 01670707803133 Date of Departure:06/23 Passenger Name: INDYKE/DARREN K Document Type: PASSENGER TICKET 06/23/12 CB2/EASTSIDE 00065 NEW YORK NY $1.075.69 555-555-5555 06/24/12 AMERICAN EXPRESS TVLPHOENIX AZ $867.70 US AIRWAYS INC. From: To: Carrier: Class: ST THOMAS CYRIL E CHARLOTTE US N.Y. NEWARK INTL A US N/A YY 00 N/A re 00 Ticket Number.03770713286922 Date of Depanure: 06/26 PassengerName: INDYKE/DARREN K Document Type: PASSENGER TICKET 06/24/12 AMERICAN EXPRESS TVLPHOENIX AZ 51,046.70 AMERICAN AIRUNES INC From: To: Carrier. Class: N.Y.1 F KENNEDY I SAN JUAN LUIS MUNO AA ST THOMAS CYRIL E 9K WA YY 00 WA YY 00 Ticket Number:00170713286914 Date of Depanure- 06/24 PassengerName INDYKE/DARREN K Document Type: PASSENGER TICKET 06/26/12 AMERICAN EXPRESS TVLPHOENIX AZ 5350.70 1FTBLUE AIRWAYS CORPORAT1 From: Carrier: Class: ST THOMAS CYRIL E FT LAUDERDALFJHOLL 86 8 N/A YY 00 WA YY 00 WA YY 00 Ticket Number: 27970717118444 Date of Departure:06/27 Passenger Name: INDYKE/DARREN K Document Type: PASSENGER TICKET Continued on next page EFTA_R1_02068688 EFTA02700955  Centurion° Card p. 7/15 JEFFREY E EPSTEIN Closing Date 07/10/12 Account Ending 0-12003 Detail Continued t Foreign Spend Amount 06/26/12 JETBLUE AIRWAYS 4100TULSA OK 535.00 JETBLUE AIRWAYS From: To: Carrier: Class: N/A N/A YY 00 N/A YY 00 N/A YY 00 N/A YY 00 Ticket Number: 27906104446452 Date of Depanure: 06/26 Passenger Name: INDYKE/DARREN K Document Type: ADDITIONAL COLLECTION 06/26/12 SIT DOWN NY 0375 NEW YORK NY $190A5 MISC HOME FURNISHINGS Description HOME FURNISHIN 06/26/12 BLACKMAN PLUMBING 511631-823-4300 5368.54 631.8234300 06/27/12 ROOM 8r BOARD-NEW YOFtNEW YORK NY 52,491.06 800-301-9720 Description SPECIALTY RETA Foreign Spend Amount 06/20/12 AA MISC SALE/ TAX/ FDALLAS TX 5225.00 AMERICAN AIRLINES From: To: Carrier: Class: N/A N/A YY 00 N/A YY 00 N/A YY 00 N/A re 00 Ticket Number: 0010635728349 Date of Depanure: 06/20 Passenger Name: Document Type: AX(S)/FEE(S) 06/20/12 AA MISC SALE/ TAX/ FDALLAS TX 538.00 AMERICAN AIRLINES From: To: Carrier: Class: N/A N/A YY 00 N/A re 00 N/A In, 00 N/A YY 00 Ticket Number: 0010635728209 Date of Departure:06/20 PassengerNa Document Type: 1/FEE(S) 06/20/12 MITCHEL LONDON FOODSNEW YORK NY $23.37 212-737-2850 Description GROCERIES/SUND 06/20/12 EAT MADISON LLC 0000NEW YORK NY $38.82 212-772-2011 Description BAKERY Continued on reverse EFTA_R1_02068689 EFTA02700956  JEFFREY E EPSTEIN Account Ending 0-12003 p. 8/15 [ Detail Continued J Foreign Spend Amount 06/27/12 DUANE READE 00001447NEW YORK NY $32.42 8002892273 Description REFER TO RECEIPT 06/27/12 CORRADO BREAD & PAST212-774-1904 $16.25 USFC10021 06/28/12 APPLE STORE 95 NEW YORK NY $108.82 COMPUTER STORE 06/28/12 NYC TAXI MED 9F58 09NEW MILFORD NJ $5.00 201-6503649 06/28/12 CONCORDE GARAGE21290NEW YORK NY $924.00 PARKING LOT & GARAGE 06/29/12 AMERICAN EXPRESS TVLPHOENIX AZ $10,338.90 AIR FRANCE From: To: Carrier Class: PARIS CHARLES DEG N.Y.JF KENNEDY I AF N/A YY 00 N/A YY 00 N/A YY 00 Ticket Number: 05770727160531 Date of Departure:07/0i PassengerName: EPSTEIN/JEFFREY EDWA Document Type: PASSENGER TICKET 06/29/12 AMERICAN EXPRESS TVLPHOENIX AZ $3248.40 AIR FRANCE From: To: Carrier Class: PARIS CHARLES DE G N.Y.1F KENNEDY I AF W N/A YY 00 N/A YY 00 N/A YY 00 Ticket Number: 0 77 7 71 11 Date of Depanure: 07/01 Passenger Name: Document Type: 06/30/12 SOUTH AFRICAN AIRWAYUNITED STATES OF A $4,048.50 SOUTH AFRICAN AIRWAYS From: To: Carrier. Class: CAPE TOWN JOHANNESBURG INTER BA V N.Y. F KENNEDY I SA JOHANNESBURG INTER SA CAPE TOWN BA V Ticket Number. 0837072716886 Date of Depanure:07/06 PassengerName: PEIFFER/ELV1RA JOSEF Document Type: AGENCY PASSENGER TICKET 06/30/12 ROOM & BOARD-NJ DC 6MOONACHIE NJ $638.01 800.301.9720 Description SPECIALTY RETA 06/30/12 CRATEANDBARREL WEB ONAPER1ALLE It. $484.30 630-579-9000 07/02/12 NYC TAXI MED 8193 09WOOOSIDE NY $6.48 000-0000000 07/02/12 NYC TAXI MED 6C80 °WAYSIDE NY $6.96 718-4288581 07/02/12 STAPLES 05322 NEW YORK NY $9.51 (800)333-3330 Continued on next page EFTA_R1_02068690 EFTA02700957  Centurion° Card p. 9115 JEFFREY E EPSTEIN Closing Date 07/10/12 Account Ending 0-12003 Detail Continued t Foreign Spend Amount 07/02/12 CAMBRIDGE CHEMISTS 6NEW YORK NY $19.62 2127345678 Description Price DRUG STORES/PHARMAC $19.62 07/02/12 JUICE ON THIRD INC NEW YORK NY $18.79 347-563-2131 Description GROCERIES/SUND 07/02/12 MOOD DESIGNER FABRKNEW YORK NY $4036 2127305003 Description Price SEWING/NEEDLEWIC/FAB $40.36 07/02/12 USPS 359609000800898NEW YORK NY $18.95 800-2758777 07/02/12 AERUS ELECTROLUX 212-249-0050 $326.61 212-249410S0 07/02/12 AERUS ELECTROLUX 212-249-0050 32,118.66 212-249-0050 07/02/12 BEDBATH&BEYOND40361 NEW YORK NY $490.63 646-215-4702 07/02/12 BEST BUY CO 835 NEW YORK NY $1,137.70 ELECTRONICS STORE 07/03/12 NYC TAXI MED 7M86 09L0NG ISLAND C NY $6.00 000-0000000 07/03/12 NYC TAXI MED 6J72 09LONG ISLAND C NY $6.45 718-9327171 07/03/12 SAKS FIFTH AVENUE NYNEW YORK NY $1.367.94 2129402818 Description Price CARDIGAN $298.80 PANTS $172.50 KNIT $149.00 KNIT $149.00 07/03/12 DIPTYQUE DISTRIBUTIONEW YORK NY $39739 2122843140 Description Price SPECIALTY RETAIL ST $397.39 07/03/12 QUEENS MEDALLION LSNLONG ISLAND CITY NY $6.50 718-784-9292 Description TAXI:2852 21:51 21.57 07/03/12 TOD'S MADISON AVENUENEW YORK NY $728.91 212-644-5945 Description SHOES/ACC 07/05/12 BANANA REPUBLIC ON-LGROVE CITY OH $153.20 888•FISME Continued on reverse EFTA_R1_02068691 EFTA02700958  JEFFREY E EPSTEIN Account Ending 0-12003 p. 10115 [ Detail Continued J Foreign Spend Amount 07/06/12 NYC TAXI MED 2P98098RONX NY 57A4 718-9938100 07/06/12 PORCELAINOSA NEW YORK NY $28.11 2122527370 07/06/12 AWESOME TAXI MANAGEMNEW YORK NY 55.42 212-967-7577 Description TAXI: 1E85 13:41 107E 57th S 13:44113W 57 St 07/06/12 DOWUNG MUSIC 650000NEW YORK NY $267.67 2127998059 Description Price MUSICAL INSTR STORE $267.67 07/06/12 MINI DEU OF BIG APPNEW YORK NY 559.81 MISC FOOD STORE Description MISC FOOD STOR 07/06/12 STATE NEWS - 2ND AVENEW YORK NY $4139 212-879-8076 Description STATE NEWS 07/07/12 AMERICAN EXPRESS TVLPHOENIX AZ $479.20 AMERICAN AIRUNES INC From: To: Carrier Class: N.Y.1 F KENNEDY I ST THOMAS CYRIL E AA N/A YY 00 N/A YY 00 N/A YY 00 Ticket Number: 00170743270423 Date of Depanure: 07/14 Passenger Name: DERBY/FRANCIS Document Type: PASSENGER TICKET 07/07/12 BON MARCHE PARIS PA aropeill uis ns 57,457.48 0144398181 Euro 07/07/12 STATE NEWS- 3RD AVENEW YORK NY $57.64 212-879-8076 Description STATE NEWS 07/09/12 NYC TAXI MED 7115 09WOODSIDE NY $1272 000-0000000 07/09/12 TAXI CREDIT CARDCORWOODS1DE NY $9.74 TAXICAB& LIMOUSINE Description TAXI:9E75 13:32 29 W Houston 1337 156 Sth Ave 07/09/12 APPLE STORE 32 NEW YORK NY 5163.16 COMPUTER STORE Continued on next page EFTA_R1_02068692 EFTA02700959  Centurion® Card p. 11/15 JEFFREY E EPSTEIN Closing Date 07/10/12 Account Ending 0-12003 I Fees Amount Total Fees for this Period $0.00 2012 Fees and Interest Totals Year-to-Date Amount Total Fees in 2012 53,000.00 Total Interest in 2012 $0.00 Important Notice Information on Pay Over Time Features Please refer to page 2 for further important You may have access to one or more Pay Over Time Features as part of your Card account. The following are the current information regarding Annual Percentage Rates (APRs) for PayOver lime Features. (v) indicates variable rate. your account EFTA_R1_02068693 EFTA02700960 JEFFREY E EPSTEIN Account Ending 0-12003 p. 12/15 EFTA_R1_02068694 EFTA02700961  Membership Rewards First' MEMBERSHIP p. 13/15 Monthly Statement and Program News rewards -IRST Prepared for JEFFREY E EPSTEIN Account Number 1M33334712 Questions About Your Account? [ Total Points Balance 3,463,672 membershiprewa rds.com 1400-297-1300 Points Earned this Period 172,492 InternationalCollect 305-816-2799 Did You Know? 1Account Summary Mayl, 2012 -May31, 2012 Use Points For EverydayCharges Opening Points Balance 3,291,180 Use your Card for everyday purchases like groceries, gas, phone bills and more, then go Points Earned this Period +172,492 online and use the points you earned to cover those charges. I earn more at Poi