EFTA01704793.pdf

American rre: ATE COPY 4 CCCCCC SHIr. Page 6 of 7 BIN_ •RPI • it Earn 10x Points with Flower Club Earn 10x Membership Rewardse points when you shop Visit witne.membershlp Teleflora's FLOWER CLUB() with Flower Club through January 31, 2005. Visit www.membershiprewards.flowerclub.com or call 1-800-775-7523 to select beautiful holiday flowers or find rewards.flowerclub.com or call 1.800-775.7523 to send flowers or gifts for them, and earn 10x points last-minute gift ideas. So brighten everyone's day with for you. flowers or a gift from the Flower Club, and bonus points for (Bonus ID 0237) you. Ober must be placed 6raud, URI shorn aborts or by Owns batmen IMADLI/31/05 Saba/Ey S3I tabs sorb. Cabot be • wth any ot2w cbmi at bait probsticns. To torn tome prin. you mat bo ocyypert in be beyperuitis Pends pnbran et tho Una d pathosant charge Jour Purclba an diptle, enrolled American EsbestAl Card Bonus p&d, vc9 bo crobsd b your crowdbah 10.12 woofs aim charges appear on yew bleb ddement Brass ID: 0237. Wyndham Hotels & Resorts is joining the Membership Rewards® program! Wyndham Hotels & Resorts has destinations throughout To raven these rewards North America, the Caribbean and Mexico. At every and redeem points, visit vnvw.ameticanexpress. Wyndham, you'll find a casually elegant atmosphere and comfrewards or call amenities such as Herman Miller Aerone chairs and Golden 1-800-AXP-EARN Door® toiletries. Redeem Certificates at Wyndham Hotels, (297-3276). Wyndham Resorts, Wyndham Luxury Resorts or Summerfield (MR Message 9185) Suites by Wyndham. Sayori to aealabaly. Advance rreervatens requited. Earn Double Membership Rewards® Points by Donating to Your Favorite Charity Donate to any of over 1,000,000 U.S. charitable To make a donation, go to BONUS; organizations and earn double Membership Rewards® points vnonv.americanexpress. comfdonate. 2 for every dollar you donate with an eligible, enrolled American Express® Card. This bonus point promotion is only Terms and conditions of eligible to Cardmembers who donate through the American the Membership Rewards Express Donation Site between October 1, 2004 and program apply. For mere information visit www. December 31, 2004. americanexpress.comr To earn trona prate. you must be enrolled bent Member* Rematch Obit= at boline d 00 dondan rewards. (Bonus ID 5969) and mat charge your purchase on an ellptle. arab Mrercan Ebbw Card. OCCOSOrtS of Venters* Rewads pdnb are not tati dectuctbles Scout Paris wit Le credited to wee M. ttras1.0 licurxds scout with 6-e weeks Mar charges WPM on yam tarp slabbed. The matirrurn rut of pt.t you ear earn Prowls Ws pirtnction b75.000. Scotus ID:5969. American Express Gift Cards • It's Good All Over the Place! Membership Rewards enrollees can now redeem points for To preview this reward and American Express® Gift Cards. American Express Gift Cards to redeem points, visit www.amertcanexpress. let the people you care about get exactly what they want, comirewards or call wherever they want. Unlike store gift cards or certificates, 1-800-AXP-EARN American Express Gift Cards are good in over a million (297-3276). For questions places. From sushi to sporting goods to suede jackets, about Gilt Cards, please contact customer service they're good in the U.S. wherever American Express® Cards at 1-877-AXP-GIFT. are accepted. Give them to friends or family for holidays, (MR Message 4264) birthdays, graduations, weddings, or just to say "thank you." 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. EFTA01704793  OPEN savinrififiRa Pcf.go 7 of 7 xxxx-xxxxa Total Savings to Date Savings Since Savings This Period For This Account May 2004 Through Dec 01 0.00 0.00 0.00 Program End Date Transactions Discount % Savings Savings Since This Period or Credit This Period May 2004 AT&T -5% OPEN SAVINGS Ongoing $0.00 5% $0.00 $0.00 FEDEX - 5% OPEN SAVINGS Ongoing $0.00 5% $0.00 $0.00 HERTZ - 5% OPEN SAVINGS Ongoing $0.00 5% $0.00 $0.00 STAPLES - 2% OPEN SAVINGS Ongoing $0.00 2% $0.00 $0.00 1.800-FLOWERS.COM -15% OPEN SAVINGS Ongoing $0.00 15% $0.00 $0.00 Totals $0:00 $0.00 Other Ways To Save! Ease the headache of payroll with Ceric5an Payroll Services and Save! To see a compete list of partners Put Expense Reports In their place with ExpensAble... and ways to save, visit open.americanexpress.com/ Use your Business Card and save on Constant Contact email services. savings, or call Find the perfect business gift and great savings all-800-FLOWERS.COM. 1.800 NOW OPEN (669.6736) Business Filings provides everything you need to incorporate your business online. EFTA01704794  DUPLICATE COPY 6,760 Blue for Businesssm OPEN Membership Rewards® Points Available 411/30/044%/hen. ' ' SMALL BUSINESS NETWORK" Cleskd Ode ItagedaltaZoaiiiiks 004 01/03/05 Page 1 of 7 New Ace.* $ rd. Adwirnems aid Minimum Payment Due Date Freya-Is Sainte Parted Aetivilf S Kinard* Mew Nem New Uwe* $ Amount Due $ 01/28/05 4,566.70 0.00 +145.29 c4,711.99 364.82 Minimum Amount Due Includes: Past due amount $239.53 This month's amount duo Credit Line Total Credit Available Credit Cash Advance Available Cash $125.29 Summary Line $ Line $ Limit $ Limit $ Please refer to page 2 on 01/03/05 8,200.00 3,488.01 200.00 200.00 for important inlet-nation regard® YOUr account Your account is past clue. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.amerIcanexpress.com/paybill. Please note, your credit limit is $8,200.00 and your cash limit Is $200.00. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258.3254. Activity "nac" Pan Anemia Total of Payment Activity 0.00 12/29/04 Late Payment Fee 35.00 01/03/05 Periodic FINANCE CHARGE 11029 Total of New Activity 14529 + Plate fed on 888 ;endear, bobs, dtach and ;Kum wth your payment Ti Continued on Page 3 Payment Due Date: Please enter account Payment Coupon number on all checks and Imams correspondence. Total New Balance Make check payable to $4,711.99 American Express. wilt ppm Minimum Amount Due To avoid additional $364.82 Finance Charges onNev 110.1.1.15960 Purchases, pay the Balance before the Payment Due Date. • Check here if address or telephone number has Amount enclosed changed. Note changes an reverse side. Mail Payment to: AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 II 111111111IS dl 111 000471199000036482 02 rl EFTA01704795  DUPLICATE COPY Page 2 of 7 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Parents must be in US Dollars and drawn on a bank located in the US (other than a line of credo check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope wth the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other lorm or at any other location, there may be a delay in giocessing. We reserve the right to process To Pay By Phone checkS electronically , at first presentment and any re-presentments, transmitting the amount of the check, 1-800-472-9297 routing number, account number and check serial number to your financial institution. Your checking account may be deb1ed as soon as the same day we receive your payment. If wo cannot collect the funds electronically at first Customer Service presentment,we mayissue a draft against your account for the amount of the check. 1.877.2583254 Authorization for Electronic Payments: By using the American Express Pay By Computer Pay By Phone or any 24 hours/7 days other American Express electronic service, you will be authoringAmericanbanes to initiate an electronic debit to the financial acccunt you specify in the amount you request. To use Pay By Computer, please visit us at wvnv.antericanexpress.opm. Lost or Stolen Card Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your 1.800.521.6121 paper statement, or dick on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel ServiceMoe or call anykocal American Express office. International Collect Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily 1.623.492.7719 Balance method to calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rato to the Average Daily Balance (as describ elow) for each feature (such as Hearing Impaired Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the (9am- m EST) Average Daily Balance for each feature, we (I) take the beginning balance for the feature each day (including unpaid TTY: 1-800-221.9950 Finance Charges from previous tiling periods), (2) add any new transadions, debits,or lees (3) subtract any payments or credits, and (4) make any appropriate adjustments.For each day after the first day of the billing period, we also FAX: 1-800-695.9090 add an amount of interest equal to the previous day's daily balance muleplled by the dally periodic ate In NY: 1-800-522-1897 for the feature. This grves us the daily balance for the feature for that day and the beginning balance b* the feature for the next day. II this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days lithe 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 O wil 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 statement. If you multiply the Average Daily Balance for each feature by the number Correspondence of days in the billng period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the billing period Customer Service is calculated by adding the Finance Chargesassessed on all features of the Account. This method of calculating the P.O. Box 7863 Average Daily Balance end Finance Charge results in daily compounding of Finance Charges. The minimum Ft. Lauderdale, FL Finance Charge for any billing periodic which-Finance Charges are imposed is $0.50. 33329-7863 In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.com, or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, Payments or.1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash PO BOX 360002 Operations address indicated on your statement If you think your statement, receipt, or transaction is wrong, FT LAUDERDALE please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST FL statement on which the problem or error appeared. 33336-0002 When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer,. you are unsure of, and explain as clearly as you can why you believe there is an error or whyyou need more information. We mail investigate your complaint and 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 will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees andgrace periods by calling 1.800.518-8866. Change el Address I canna on front do not use Nino Canpany Nano Street &Ureic City, Stale r-, tip Code Providing your email aria Cede and address to American Hone Phone Express will enable you Area Cob and to receive special offers, j Wont Phene suited to your needs. Email EFTA01704796  DUPLICATE COPY For Ancoorit Nurte Cloth, Des Page 3 of 7 01/03/05 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this penod: 32 Balance $ Periocic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 4,626.40 0.0745% 27.19% 2722% 11029 Cash Advances 0.00 0.0745% 0.00% 27.22% 0.00 110.29 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704797 DUPLICATE COPY Page 4 of 7 EFTA01704798  MembeNfitrfritafthiFils Options' Monthly Statement and Page 5 of 7 Program News American. Exrress> For questions about your Statement Period Membership Rewards account, contact November 1, 2004 - November 30, 2004 1-800-AXP-EARN Account activity after this period does not appear on this statement (297-3276) Available Points vmv.americanexpress.com/rewards American Express 6,760 Membership Rewards PO Box 297813 Points are available when charges are paid in lull and all your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 5.391 New points earned +1.369 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 6,760 New Points Earned 11/01/04 - 11/30/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 1,369 0 1,369 ISM Totals 1,369 0 1,369 Merbershp Reward; Outran: parts earned may be vanderred a redeem dm lag as al onstul Card asount are ingad eta-sing.Port Irandetrod a rodeerntd cvmubo fiNOMOdtIOCk irto the POparn. Forfeited points can be reinstated for a fee by calling the number provided below. Bale Cat Wean aro craned inMa Morrixesht Rewards Chaos argon Toms and Conaions in yox ModborstipRoast Octons Gude. Ilya bore quesbons. phwe •4311 varacamedcarexpeencornrmemberthlprevardsoptions or oil 1-000-AXP-EARN (297-32761. From *anew. call coral 305.8162799 Earn 10x Membership Rewards® points from Flowers USA Surprise your Valentine with fresh flowers or unique gifts Shop online at from Flowers USA! With low prices, starting at just $29.99, www.flowersusa. FLOWERS choose from a wide variety of fresh flowers and quality gifts Com/annanr or call 1.800.873-6165 with for your special Valentine this year. Best of all, earn 10x promo code 3134 for Membership Rewards points when you shop at flowers and gifts this www.flowersusa.com/amxmr or call 1-800-873-6165 with Valentine's Day. promo code 9951. (Bonus ID 1687) Offer vifilltraran 12/3905. Net yard at total sheds or n cantram vain any other err IranFlaws 1.154. To earn barn paints. you must to caeca in tic .Varistrafrp Pasant Crobram as; kneel Purchase anti ciwo, icor Dachas° tO an Mgr*. tar:aid American Exposer Card. Bona poNswa be omits to your &sant Minn 10-12 weeks stet Marcel appear en your bane statrmar. Bass 0:1687. Restoration Hardware Joins the Membership Rewards® program Restore your faith in quality and service and reward yourself Shop at over 100 with a Restoration Hardware Gift Certificate. Easily find Restoration Hardware TIIESTORATIOM stores, our catalog Designer quality Home Lighting, Home Furnishings and 1.800.762-1005 or online 1 \ HARDWARE I I Textiles, Outdoor Furniture and Garden Accessories. at www.Restorationhard ware.com. (MR Message 8137) Now! Redeem Points for The Molting Pot Gift Cards! Am (iiram EirtiOte Now you can redeem points for Melting Pot gift cards. At To redeem for a $50, $100 „ E.... MEMO neN ti The Melting Pot, fondue becomes a memorable four-course or $150 The Melting Pot • •• dining experience. Guests enjoy a choice of tour flavorful gift card, visit www.americanexpress. fondue cooking styles and a variety of tasty entrees Including corn'rewards or call lobster and sirloin, combined with special dipping sauces. 1.800-AXP-EARN The menu also includes creamy cheese fondues, fresh (297-3276). salads, fine wines and mouthwatering chocolate fondue (MR Message 7324) desserts. To find one of our over 80 locations near you, visit www.meltingpot.com. Continued on ravens 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. EFTA01704799  American Express• • ' 011ikrATE COPY IMIS • • Acoourl Nutter Page 6 of 7 ,) 0REWARVuJ Earn TRIPLE Points from DiscountOfficeSupply.com - All Year! D s 0 0 Now you can earn TRIPLE Membership Rewards® points Start shopping, saving and earning TRIPLE points at every time you shop at DiscountOfficeSupply.com, your warw.discountoffice ultimate online source for everyday office essentials. Earn supplycom today--and O f f Ce uF ; bonus points while you choose from our selection of over EVERYDAY, ALL YEAR! ' • •. 40,000 items, from office basics to the latest in electronics like PDAs and digital cameras. Plus, orders over $50 qualify (Bonus ID 4852) for FREE shipping! Mee veld OF04112,31/0S. Free shtoiro does not spay to wars wrier $50rd evoirdes select coorsacd ore awlrurntwe sob:Iwo To eau toms Danis.you rotor GO M0RA in the MonorsliP Rowarris p onna! the the a/purchase aid ohms yea purchase to an ergbe. noted knortal Erroccsse. Card. axes poi,Its wa be weds lo yon exam wet 68 vreeire ol Ones .flaring an Yow OFFr3 elefeent Banos ID: 4852 Enjoy Great Rates with Enterprise Rent A Car® Redeem now for an Enterprise rental car certificate, and To review these rewards enjoy great cars, great savings and free pick up* at more and redeem points, visit www.amencanoxpross. than 5,400 airport and neighborhood locations. Call comIrewards or call ficiantesyse Welcbtcycouce 1-866-875-0459 for reservations, and mention customer 1.800-AXP-EARN code AMXMRP. Choose a $50, $75, $100, $200 or $300 (297-3276). rewards toward your next rental with Enterprise. (MR Message 6167) term* arcl crop-0 sevro osrtryectbgeoorapra, and Sher metro:ea Italia tent& quieten:ea and 0ntnacal WAY Ertegrne Reward owte lams awl Cartes nay. Introducing the Cuisinart 10-Piece Commercial Cookware Set Cuisinart would like to introduce the Cuisinart 10-piece Redeem row at „ M£ MG ERA? P vnew.americanexpress. Commercial Cookware Set (PRM395) for 25,000 points. The corn/rewards. ti ll • • • • • ! kitchens of France were the inspiration behind the elegant Cuisinart® Chefs Classic"' Stainless Cookware Collection. Set includes: 1-1/2 Qt. Saucepan w/Cover, 3 Qt. Saucepan (MR Message 9187) w/Cover, 3-1/2 Qt. Sauté Pan w/Helper Handle and Cover, 8" Open Skillet, 10" Open Skillet, and 8 Qt. Stockpot w/Cover. Celebrate 2005 with a Gift Card from 800Wine.com Atarsitan es ?lite Whether you want to send a gift, join a wine club, or order a For more information call new wine rack for yourself, 800VVine.com has just what you 1-800-AXP-EARN or log ;RR IN11.0.b1 cn to vavim.amettcan need. The premier international wine gift, 800Wine.com ships express.com/rewards. all gifts locally, ensuring the fastest and least expensive service available today. Order 24 hours a day at (MR Message 7148) www.800VVine.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. EFTA01704800  OPEN Savinnaha Page 7 of 7 Acccur Nterte• Total Savings to Date Savings Since Savings This Period For This Account Jan 2005 Through Jan 02 0.00 0.00 0.00 Program End Date Transactions Discount % Savings Savings Since This Period or Credit This Period Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL Ongoing $0.00 5% $0.00 $0.00 BUSINESS CALLING PLANS FEDEX - GROUND, EXPRESS AND Ongoing $0.00 5% $0.00 $0.00 INTERNATIONAL SHIPMENTS HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at open.americanexpress.com/dashboard. Other Ways To Save! Use your Business Card and save on Constant Contact email services. To see a complete list of partners Manage your business finances more effectively with QuickBooks and save. and ways to save, visit open.americanexpress.com/ Save on gift baskets, gourmet foods and flowers at 1-800-FLOWERS.COM savings, or call Inc:morale your business online with Business Filings. 1-sno N - nw•OPFN (ARg-R7V) EFTA01704801  DUPLICATE COPY Blue for Business" OPEN • Meinbership Rewards® Points Available at 12131/04, whencharge's due are paid in, SMALL BUSINESS NETWORK" full ano all accounts are In good standing. Cht.ro DMe• 02/02/05 Page 1 on New AZOrtly Ire. Attest-nets and Minimum Payment Due Date PreAous Sabre* S Psiment Acludy $ Flume ...hargOs I Sly New BalanceS Amount Due $ 02/27/05 4,711.99 0.00 -37.38 =4,674.61 255.74 Minimum Amount Due Includes: Past due amount $138.14 TNs month's amount due Credit Lino Total Credit Available Credit Cash Advance Available Cash $117.60 Summary Une $ Line $ Limit $ Umit $ Please refer to page 2 on 02/02/05 8200.00 3,525.39 0.00 0.00 for impatient information regarding your account Your account is past due. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity .'atatesPc."" e Amounts Total of Payment Activity 0.00 /WARMS 01/13/05' Credit Adjustment for Purchas..9 F flare.? Cnarge 01/13/05 Credit Adjustment for Purchase F narce Ciarge 01113/05' Credit Adjustment for Purchase Pearce Cnarge 01113/05* Credit Adjustment for Purchase Finance. Ciarge .• Credit 01/13105' Credit Adjt.stment for Purchase Finance Cnarge 1.79 cticitq 01/13/05' Credit Adjustment for Purchase Finance Cnarge -ton Create 01/13/05' Credit Adjustment for Purchase Enance Charge 0.83 Credt 01113/05' Dispute - CHEVRON 0211 /!e 40,45. erect 01/13/05' Dispute - CHEVRON 0211778 Cteut. • PilaSe lOtS an the podOlabOn bokvi,chlta:Ilard NfUnl vat Ku( paMinl Continued on Page 3 Payment Due Date: Please enter account Payment Coupon 02/27/05 number on all checks and correspondence.