EFTA01726703.pdf

DUPLICATE COPY Optima® Points Available 1 from American Express ai. all your,accounte"eirtglebstStrindetg.i :andov15mttmop64Ois!foNigtOIN Premed Fos Acocr.ct Ntsrittet CA-ton9Dsc JANUSZ BANASIAK 01/15/04 Page 1 of 8 AeNly $ Inc. 1.44tt-ncrta Minimum Payment Due Date Precious Skew $ finance Chatr.t. New Beams Amount Due 02/09/04 6,989.53 +137.27- a6,876.80 138-00 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 01/15/04 9,800.00 2,923.00 8,100.00 2,923.00 Minimum Payment due by Payment Due Date. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $2,923.00. Contact us at www.americanexpress.com or call Customer Service at 1.800.635-5955. One Less Thing to Worry About this New Year Sign up to view your Account online to make sure that all your presents, gift certificates, and plane tickets are recorded and accurate. It only takes a few seconds for you to check your statement and view your most recent Account activity--you can even pay your bill online. It's a great way to help you keep track of all your spending. Sign up today at: www.amerioanexpress.com/mycardaccount Activity Infuses patio, eel Amount c U.9gtvCPKrHAIsslq9P12141 ameunt* New AcvteicvelifahJANUSZ BANASIAK Cud =Mc 12/29/03 LONGHORN 167 GERMANTOWN MD 77.12 000306067 FOOD-BEV 12/28/03 12/3603 HP PARTS/SUPPORT — GA 25.00 4395212 2087610/20/03 01/15/04 Periodic FINANCE CHARGE 35.15 Total of New Activity 137.27 Peon foe on the porforeitoteow. death ard :event, You pemel Continued on Page 3 Payment Coupon Payment Due Date: Please enter account 02/09/04 number on all checks and correspondence. Total New Balance To avoid additional $ 6,876.80 Finance Charges on Purchases, pay New Pa Ink IIluiluldml.lim I.I II. IAD 20876-5960 I had II Minimum Amount Due Balance before Payment 2138.00 Due Date. Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to all of Amount enclosed your Card Accounts except any Corporate Card Mail Payment to: AMERICAN EXPRESS Accounts you have. PO BOX 360002 FT LAUDERDALE FL 33336-0002 O I I 000687680000013800 16r1r1 EFTA01726703  DUPLICATE COPY Petoarod For Accountli Page 2 of 8 JANUSZ BANASIAK )000cMomm Payments: Payments received after 12:00 noon or on weekends or hokdays may not be credited until the next business day. Payments must be in US DdlarS and drawn on a bank located in the US (other than American Express Centurion Bank), in the enclosed envelo . with the remittance stub attached and account number listed on the check. Please do not send postdated checks. They will be deposited upon receipt If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to procoss checks otedrcnicaly, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number To Pay By Phone and check serial number to your financial institution. Your checking account may be debited as soon as the same 1.800.472.9297 day we receive your payment. If we can not collect the funds electronically at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments:By using the American Customer Service Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you will be 1.800.635.5955 authorizing American Express to initiate an electronic debit to the financial account you specify in the amount 24 hours/7 days you request. Touse Pay By Computer, pleasevisit us at vivnitamericanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. International Collect Outside the U.S. contact the nearest American Express Travel Service Officeor call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average 1.336.393.1111 Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash Hearing impaired Advance and Balance Transfer features) of your Account Orcluding current transactions). To get the Average Daily (9am-5pm, EST) Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous TTY: 1-800-221.9950 bitting periods), (2) add any new transactions, decits, or fees, (3) subtract any payments or credits, and (4) make any FAX: 1-800.695.9090 appropriate a ustments. For each day after the first day of the billing period, we also add an amount of In NY: 1-800-552-1897 Interest equ to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily baknce for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the tilling period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that Correspondence statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by Customer Service rounding. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. This 777 American method of calculating. the Average Daily Balance and FC results in daily compounding of FC. The minimum FC for any bang period in which FC are imposed is $0.50. Expressway Bfilling_Rtghts Summa In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if Ft. Lauderdale, FL you needmore orm ion about a transaction on your bill, write us on a separate sheet of paper at the address noted to the 33337-0001 right. We must hear from you no laterthan 60 days after we sent you the FIRST baton which the offeror problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so will not (reserve your rights. Funds Access Services In your letter, give us the following Information: 1. Your name and account number; 2. The dollar amount of the P.O. Box 53809 suspected error,-3. Describe why you believe there is an error. It you need more information, describe the item you are Phoenix, AZ unsure about. You do not have to pay any amount in question while we are investigating, but you are still °Negated to pay 85072-3809 the parts of your bill that we not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your Payments savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter PO BOX 360002 must reach us three business days before the automatb payment is scheduled to occur. Special Rule For Credit FT LAUDERDALE Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, arid FL 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 33336-0002 purchase was made in your home state or within 100 mites of your main; addross. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) in Case of Errors or Questions About Your Electronic Transfers: Please contact us by nicking on the Customer Service Unk online at kwnitamericanexpess.com, or you can call us at 1-800-IPAY-AXP for Pay.By Phone & Pay By Computer issues, or 1-803-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indcated on your statement. If you think your statement, receipt or transaction is wrong, please contact us as soon as possible. We must hear from you ro later than 60days after we sent you the FIRST statement on which the Nrob'em or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as Beady as you can why you believe there is an error or why you need more information. We will investigate your complaint & correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you wit have use of the money during the time 'Hakes us to comptete our investigation. Credit Balance: If a credit balance(designatedle'W) is shown on ttrs statement it represents money owed to you. You may make charges against the credt balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, wo will, within 30 days after expiration of the six-month period following the date of the first statement indicating the deaf balance, issue a check to you for the credit balance in your account if the amount is $1.00 or more. Creditor. American Express Centurion Bank. 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 Ackkosa COICCIOP icor* do not use Nacre Company Nwria Steel Add,es@ chg. Sale r Li arl I I_i_ I _t____1 1 _I 1 I -1-1- 1 1 tp Co:10 Providing your emal Area Code end address to American Horne Phone Express will enable you Area Code and to receive special offers, Wok PhOne Email j suited to your needs. EFTA01726704  DUPLICATE COPY Pup:rod FO! Acco.n: hurrIxr Closig Dab • Page 3 of 8 JANUSZ BANASIAK XXXX-XXXX> 01/15/04 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL P.iodic Billing days this period: 31 Balm= $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 212.12 0.0246% 8.99% 8.99% 1.62 Cash Advances 0.00 0.0520% 0.00% 18.99% 0.00 Check/Balance Transfer 6,676.40 0.0162% 5.90% 5.90% 33.53 35.15 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wan Street Journal, as described In your Cardmember Agreement as currently in effect. EFTA01726705 DUPLICATE COPY Account Nurra Page 4 of 8 Kea-X)O0C< EFTA01726706  MembeNtlifilleinWils Options" Monthly Statement and Page 5 of 8 Program News American Expresso For questions about your Statement Period snip Membership Rewards account, contact 1-800-AXP-EARN (297-3276) November 1, 2003 Account activity attar this period does - November 30, 2003 not appear on the statement tral l }WI Available Points www.arnericanexpress con'/rewards 1,323 American Express Membership Rewards PO Box 297813 Points are available when charges are paid in full and all your accounts are in Ft. Lauderdale, FL 33329.9785 good standing. Account Summary Opening points balance 478 New points earned +847 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 1,323 New Points Earned 11/01/03 - 11/30/03 Points Activity On Bonus Points Total Posts ACtivitY Eligible Charges Awarded Per Card 847 0 847 Totals 847 0 847 Merbersilp Rev.'s's% Como pane caned rnor be inntieued a redeemed as Imp mall emceed Cad amounts are Inwood starch% Pride ramittsed a mderfrod wool be revers:0 bsk into de pros:ern. Forklift' points cast be reinstated amain by calling the number provided below. Elgbe Gudchaiists ale wirml el the Meiltershp Ravages CM= proven Terms erclCredSeas In your Mombasa° Reeved. Omsoos Gado. IS yes' Mro mesbons. pleme visit www.aimilcanexpme.conVinembershIpaavardsep0orss or call 1-800.AXP-EMS1faM3276). From merseas, car Wiest 305-616-2199. Earn More! New ways to earn points. IMPORTANT NOTICE OF MEMBERSHIP REWARDS OPTIONS® PROGRAM CHANGES its For each transfer of points into the Frequent Flyer program of Please note important .1",;?e>; ME •iftEliSHIP a US airline, a fee of $0.0004 per two points, with a maximum program changes. fee of $50, will be charged to your Card account. We charge ' Ifrg.:11P . .. -. !.. this fee to offset the federal excise tax we must pay on such (MR Message 1290) transfers. The fee may be more or less than the actual amount of the excise tax we pay on any individual transfer. IMPORTANT NOTICE OF MEMBERSHIP REWARDS® PROGRAM CHANGES Aw r Effective March 15, 2004, 1) the fee to reinstate points Please note important stE E &SM.)! forfeited for late payment will increase to $29 for each month program changes. of points reinstated, 2) for Cardmembers who cancel their qt R ' ' 8 1. 1 Membership Rewards enrollment (or all Card Accounts (MR Message 6288) ',7-f/4ti enrolled in the program), but still have one Card account open, the time period to redeem accrued points will change from 6 months to 30 days, 3) for each Corporate Card linked to a Membership Rewards account with another enrolled charge Card, the additional annual fee will increase to $35. Continued on reverse 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. EFTA01726707  AllIellcan Express• iiimiliOCATE COPY rr ... -- ; 11011CMOCR" 11 lavnl Nutter Page 6 of 8 -. E INAR 0 Redeem Points for Pottery Barn Gift Certificates Pottery Barn, Pottery Barn Kids and PBteen are the newest For more information, visit Membership Rewardse partners. For sophisticated www.americanexpress. com/rewards or call P0TTEHVBAlt N furnishings and accessories for your entire home, from your 1.800-AXP-EARN living room to your child's playroom, Pottery Bam, Pottery (297-3276). Barn Kids and PBteen's products are designed for style, comfort and value. (MR Message 2020) Australia- 8-Night Vacations from $1,299 If you dream of an exciting vacation, redeem Membership Visa americanexpress. com/rewards or call LQANTAS Spirit of Australia Rewardse points for flights to Australia or take advantage of 1.800-AXP-EARN some fabulous 8-night vacation starting from $1,299. You (2974276) to redeem can choose from packages including Sydney and either the Membership Rewards Great Barrier Reef, Melbourne, Adelaide/Kangaroo Island, points. the Outback or Brisbane. All packages include roundtrip air (MR Message 9006) from Los Angeles, air within Australia and 8 nights of accommodations. For package information, call an Australian Travel Expert at 1-877-346-5225 or visit Australia.com. 10x Points at FTD.COM® This Valentine's Day! Find the perfect way to show how much you care this Shop at Valentine's Day with specially designed FTDe bouquets ftd.corniamexpromo and earn 10x Points. rze FTD.CONI including roses starting at just $39.99, gift baskets, teddy bears and other fine gifts. Pius, earn 10x Membership (Bonus ID 1675) Rewards& points when you shop at www.ftd.com/amexpromo. Oiler ertle 133I/C4.Cannotbecorriained °Bet odors or special granorkne. Hotwid co May" , watts. Tot* WA* tO•ant RCN.. Oita you must be emoted In the Metors* Rewards pogrom Grne cd purchase ard chaise Yag IRDRIDDR•SR ta erwolled Anterban Eason. Card. Bong points MIbecxened to your axountratin 1042 weeks. Bonus ID: 167S. Virus Protection and 5x Pts from Computer Associates Help protect your computer from those nasty viruses and Get virus protection plus hackers with eTrust" EZ Armor" Security Suite from earn 5x points from Computer Associates at Computer Associates, PLUS earn 5x Membership Rewardse wimv.my-etrust.comf points when you use your Card and order from amerIcanexpressrewards ComputerAssociatess www.my-etrust.com/americanexpressrewards. Includes a full range of antivirus,firewall and privacy features with (Bonus ID 3591) automatic updates and adjustable protection. Otter vale] lot purcimaes trail wvivi.my-etrustcom kcal 12/LOSRSD VO4. To be close to earn bonus past sou must be enrcdcd in the hiaorreFip Reward: pagran el the tine el Rochese ad charge yaw purehato b an elgIde. ovelkd Anceioan Exxon:AD Card. Bone parts wil be cradled to you/ asounl Wallin 64 weeks Cr charges nom on your btag sEMernent Bonn ID: 3591. A Gift Certificate Lets You Choose Lands' End® is a global direct merchant of classically styled Redeem Membership apparel for men or women for work or weekend, apparel and Rewards° points today for a Lands' End gift EiNDS'END DIRECT MERCHANTS other products for children, plus soft luggage and products for the home. To request a Lands' End catalog, call 1-800- certificate. Visit www.emerIcanexpreas. 356.4444 or visit our Web site at www.landsend.com. com/rewards or call 1.600-AXP-EARN (297-3276) (MR Message 6069) 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. EFTA01726708  DUPLICATE COPY Acomi Nurtka Cfcairg Otte Page 7 of 8 )000(-)0000 01/15/04 CustomExtrar Mortgage Rates are Still Low! Contact us today! Call 1.800-A2P-1008 or go to If you're looleng to buy a home or to refinance your current mortgage, Mortgages wave.americanexpress. from American Express' can save you hundreds of dollars a month in mortgage corn/mortgages. Use offer code C62. payments. Plus, its fast and easy to get a same-day loan decision. (CE 104138) 'All residential mortgage loans and related services are offered and provided by and through PHH Mortgage Services. American Express does not solicit, offer, endorse, negotiate, or originate any mortgage loan products, and is neither a licensed mortgage broker nor a licensed mortgage tender. Financing provided by PHH Mortgage Services, 3000 Leadenhall Road, Mt. Laurel, NJ 08054. Arizona Residential Mortgage Licensee #BK 00010039, Licensed by the Department of Corporations under the California Residential Mortgage Lending Act, Georgia Residential Mortgage Licensee, Illinois Residential Mortgage Licensee, Massachusetts Licensed Lender #ML1653, New Hampshire First Mortgage Banker #5625-MB and Second Mortgage Home Lender #5626-MHL. Licensed by the N.J. Department of Banking and Insurance, Licensed Mortgage Banker-- NYS Banking Department, Rhode Island Licensed Lender, Minnesota. This is not an ofler to enter an interest rate lock-in agreement. Licensed First Mortgage Banker and Secondary Mortgage Lender by Pennsylvania Department of Bankng. PHH Mortgage Services is an Equal Housing Lender. Sign Up for American Express® Alerts To sign up for Alerts, visit www.americanexpress. Get important information pertaining to your Account delivered to you comfalerts. --whenever and wherever you want. With American Express Alerts, you can choose to be notified when your payment is due, irregular (CE 104153) account activity is detected, your payment is received and when you are approaching your line of credit/spending limit. Alerts can be sent to your e-mall address, mobile phone, pager or PDA. Save 15% with 1-8OO•FLOWERS.COM® Visit wmtamerIcanexpress. At 1-800-FLOWERS.COM, we've gathered together a sensational com/offerzone to redeem selection of thoughtful gifts to make every day a celebration! And this offer or call because we love giving gifts, we offer a 15% savings to American 1.800-FLOWERS. Expresso Cardmembers on their purchases of $29.99* or more! (CE 104154) 1-800-flowers tom_ Plain al sal IMO amino 'Terms and Conditions may apply. Now Accepting the American Express® Card! If there are other places where you would like to Avdeals.com/Plasma.com - Your online source for home theater see the Card accepted, equipment For more information on plasma screens, LCD TVs and please call the Customer video projectors, call 1.877-722-8948 or visit www.avdeals.com. Service number that is located at the top of your statement or the number EPIC Pharmacies, Inc. - A network of independently owned that is on the back of your pharmacies in the Mid-Atlantic region. For more information, call Card. 1-800-965.3742 or visit our Web site at www.epicrx.com. (CE 104086) Cartoon Cuts - An innovative children's hair salon featuring colorful decor, elephant shampoo station, games, movies, cartoons and toys. Visit us at www.cartoonouts.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. EFTA01726709  DUPLICATE COPY P( tF Page 8 c4 8 roextiorlikx FEE-FREE American Express® Travelers Cheques! Buy your Fee-Free American Express As an American Express® Cardmember, you can purchase Travelers Cheques before FEE-FREE* American Express Travelers Cheques and Cheques for ym leave! Twos at participating American Express Travel Services locations. To locate your nearest Behind every Travelers Cheques is someone who can help in a travel American Express Travel Services location, call emergency 24/7--from placing lost or stolen Cheques, to assistance 1-888-AXP-0056. Travelers with replacing lost credit cards and passports." Cheques (CE 104130) -Not all services available at all locations. Subject to all local laws and cash availability. "Proof of Travelers Cheques purchase may be required. Credit Card Replacement Assistance is for major bank-issued credit cards only. Fees for passporVcredit card replacement are the sole responsibility of the customer. For complete Terms, call 1.800.221.7282. Get Your Tax Refund Fast With OnlineTax! Try American Express OnlineTax at This tax season, use American Express OnlineTax to file your tax www.americanexpress. return and get your refund fast! American Express OnlineTax is an corn/Mlle. Online Ming is easy-to-use online tax preparation program that handles federal and quick and easy, and state income tax returns—all for 834.95 through 3/31/041 speeds up your refund. Just answer the questions and let the OnlineTax Visit www.americanexpress.com/eflle, and let OnlineTax program prepare your automatically select and complete the appropriate forms, and even return. Only $34.96 check for errors and omissions. By e-filing, you can take advantage of including e-filing! (CE 104129) a full range of refund and payment options, including direct deposit of refund amounts. File your taxes with a name you trust with American Express OnlineTax! Pay your Bills Automatically with the Card Call your service providers today and tell them you Enjoy the time-saving convenience and added financial control of want your bills to be paid AUTOMATIC paying virtually everything from your cable and telephone bills to your automatically with the BILL newspaper subscription with the Card. Automatic Bill Payment is the simple way to consolidate your payments and make sure that your bills are paid on time, so you can avoid paying unnecessary late fees. Card. For a complete list of participating providers, or to learti more, visit vemarnerIcanexpress. PAYMENT with Americ n Express Plus, you'll have fewer checks to write and you can stilt continue to receive a paper statement of your bill from your service provider to keep for your records. Start benefiting from the convenience and coWebpit (CE 104136) • control of Automatic Bill Payment today. Fill your Wallet with Savings at Costco! Simply bring this statement into your local You are invited to take advantage of a Costco membership offer for Costco warehouse. American Expresso Cardmembers. Sign up for a Costco membership Costco membership is $45 by April 30, 2004, and receive a $10 Costco Cash card to use toward per year (plus tax where your first purchase. The sooner you join, the more you can save. applicable) and includes a Cosa, free spouse card. Costco Cash card offer expires April 30, 2004. Marketing Campaign code 19243. Valid for new Costco members only. (CE 104135) Stay with Holiday Inn® and get a $15 Lowe's Gift Card Visit www.hollday-Inn.com or Use your American Expresso Card to book and pay for a Holiday Irmo call 1-800-HOLIDAY or hotel Best Breaks" package between January 15 and April 30, 2004 your travel agent to and you'll enjoy more than a comfortable room and free hot reserve your room and get breakfast. You'll also receive a voucher redeemable for a $15 Lowe's free breakfast with Holiday Inn's Best Breaks rate. Gift Card. (CE 104137) For use at any Lowe's store for payment of purchases. Not a crediVdetit card arid has no implied warranties. Redeemable for merchandise only unless prohibited by law and cannot be used to make payments on any charge account. Unused amount can be used for future purchases. Lost or stolen Gift Cards can only be replaced upon presentation of original sales receipt for any remaining balance. It will be void if altered or defaced. 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. EFTA01726710  DUPLICATE COPY emberahlp Optima® POrnt3 AVallable from American Express 3i15/04,when chargaslare paid mfilitt allSbur