EFTA01704293.pdf

DUPLICATE COPY rupe,,d Te, Page 4(110 G MAXWELL Ofact Sr/antra NnuuntS Due in Full continued " Fate Como/ easeista ta la tan a plus 2%. Seepageb2 SS. 03/04/06 HOLD EVERYTHING NEW YORK NY 94.29 SPECIALTY RETAIL STORE 03/05/06 FALK DRUGS NEW YORK NY 55.96 00 GENERAL MERCHANDISE ROC No. 0000000000 03/06/06 THE SCHOLASTIC STORENEW YORK NY 7824 000ORPORATION ROC No. 0000003341 03/06/06 STARBUCKS 000085NEW YORK NY 3.96 FOOD/BEVERAGE 03/07/06 PAPYRUS #234 2127170002 NY 99.16 GIFT, CARD, NOVELTY ROC No. 0000000000 03/07/06 MEGAFITNESS 800.9252772 FL 25.79 MO/TO FITNESS EQUIPMENT ROC No. 0000000031 03/07/06 AMAZON.COM SUPERSTORAMZN.CONVBILL WA 156.11 MERCHANDISE AMZSUPERSTORE ROC No. 0078561840 Total of Due in Full Activity for 9,194.64 AC Millivity for 02/22/06 Whole FoodsColu 0226NEW YORK NY 389.75 GROCERY STORE/SUPERMRICT ROC No. 000172590 02/22/06 BRIDGE KITCHENWARE C2I 26884220 NY 2,478.92 HOUSEWARES/CUTLERY ROC No. 0000000000 02/22/08 STAPLES 57TH & 8TH: MANNA NY 76.13 OFFICE SUPPLIES 02/23/08 BORDERS BOOKS 002181UVINGSTON NJ 172.52 BOOK STORE 02/27/06 NOBU NEW YORK NY 257.18 FOOD/BEVERAGE 03/03/06 GOURMET t3ARAGE44TH NEW YORK NY 126.08 GROCERY STORES, SUPERMA GROCERY STORES, SUPERMARKETS ROC No. 0000003500 03/04/06 FOOD EMPORIUM F703 NEW YORK CITY NY 55.27 GROCERIES Total of Due in Full Activity fo 3,555.85 Total Due in Full Activity 23,079.69 Important Notice Please refer to page 2 Information on Flexible Payment Features for further important You may have access to one or more Flexible Payment Features as part of your Card account. The current Annual information regarding Percentage Rates (APRs) and Daily Periodic Rates (DPRs) for the Flexible Payment Features are as ',lbws: your account For Sign & Travel, the APR is 17.49%, the DPR is 0.0479% EFTA01704293  DUPLICATE COPY Pnrcred MownMatisix Own) bat. Page 5 of 10 G MAXWELL 03/08/06 Notice of Changes to Your Agreement We are making Important Changes to your American Express Cardmember Agreement ("Agreement') governing the American Express° Card Account identified on this Notice. These changes become effective on the dates indicated belcw, whether or not you receive a billing statement. This Notice formally amends your Agreement, and any contrary or conflicting language in that Agreement is replaced fully and completely. Note that the terms of your Account are subject to change (including increasing APRs/DPRs and foes, changing fixed APRs/DPRs to variable APRs/DPRs, and adding new terms) In accordance with the Agreement governing your Account. MI terms of the Agreement not amended herein remain in full force and effect. This is an important Notice of changes to your American Express Card Account Agreement. We recommend that you carefully review these changes, share them with any Additional Cardmembers on your Account, and then keep this Notice for future reference. If you have questions regarding this Notice, please call the telephone number listed on the back of your American Express Card. FlexSelect Program Effective January 31, 2006, we have discontinued the FlexSelect Program. Accordingly, the fourth paragraph of the Flexible Payment Features section of your Agreement, and the reference to 'FlexSelect" In the first paragraph of that section, are deleted. Application of Payments (Effective immediately) The second sentence of the last paragraph of the Payments section of your Agreement is replaced with the following: in most cases, we will apply and allocate payments to the Minimum Amount Due on Feature balances first, then to amounts due in full. The remainder of your payment will be applied to any outstanding Feature balances. Amounts applied to Feature balances will be applied first to Feature balances at lower Annual Percentage Rates ("APRs") and then to higher APR Feature balances." Annual Fees We are changing the annual fee structure for Additional Cards. We will charge a single annual fee for up to three Additional Platinum Cards on your Account, and a single annual fee for each Additional Platinum Card after the first three. We will charge a single annual fee for up to live Additional Gold Cards on your Account, and a single annual fee for each Additional Gold Card after the frst five. We will apply this new structure on the renewal date of each Additional Card on your Account that occurs on or after August 1, 2006. Accordingly, effective August 1, 2006, we are replacing the Annual Fees section of your Agreement with the following: 'We will bill to your Account an annual fee of $395 for the Basic Card, $175 for up to three Additional Platinum Cards on your Account, and $175 for each Additional Platinum Card on your Account after the first three. We will bill your Account an annual fee of $45 for up to five Additional Gold Cards on your Account, and $45 for each Additional Gold Card on your Account after the rust five' Changing this Agreement/Assignment of this Agreement Beginning on or around April 21, 2006, your account may be transferred from American Express Centurion Bank to its affiliate, American Express Centurion Services Corporation, if your account is In default under the terms of your Agreement. If your account is transferred, your account number will not change. Accordingly, the following sentence is added to the end of the Changing this Agreement/Assignment of this Agreement section of your Agreement: "Your Account may be transferred to American Express Centurion Services Corporation if your Account Is in default under the terms of this Agreement." Also, effective May 1, 2006, the following sentence Is added, If not already present, as a new third sentence in the same section: "This written Agreement is a final expression of the agreement between the creditor and the debtor and the written Agreement may not be contradicted by evidence of any alleged oral agreement." Other Important Information About Your Account Regarding The Car Rental Loss and Damage Insurance Plan We are adding coverage for Loss of Use as an additional benefit of the Car Rental Loss and Damage Insurance Plan. This coverage wil be in effect for any Loss of Use incurred on or after May 1, 2006. Also, additional changes to the Plan have been noted below. Accordingly, the Description of Coverage for the Car Rental Loss end Damage Insurance Plan is revised as follows, effective May 1, 2006. The following definition is added under the first paragraph of the Description of Coverage: 'Rental Auto" means a four-wheeled, two-axle passenger type motor vehicle, designed for and sold to accommodate private passenger transport on public roads. The first paragraph of the "Who is Eligible for Coverage" section is replaced with the following: You are eligible for coverage under the Policy if you are a U.S. Platinum Card member ("Cardmember). You are a U.S. Platinum Card member If (1) you are an American Express Basic or Additional Cardmember and a Platinum Card (referred to as the "Card') is issued in your name, (2) your Card account is billed from a U.S. Operating Center In U.S. dollars, and (3) you maintain your Permanent Residence within the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. 'Permanent Residence" means the Covered Person's one primary dwelling place where the Covered Person permanently resides and intends to return. The following is added to the end of the last sentence in section A under 'What Is Covered': 'and Loss of Use." The following paragraph Is added under the first paragraph of section A in the 'What Is Covered section: 'Loss of Use" means the unavailability of a Rental Auto and consequent loss of revenue by the Rental Company due to damage or theft. Unless otherwise required by law, the Rental Company must submit a fleet utilization log Indicating that during such time: 1. no other Rental Auto was available; and 2. there was a demand for a Rental Auto. The following word is removed from the fourth sentence in section B of "What is Covered': "osteopath" BPITR1OFYWO306 EFTA01704294  DUPLICATE COPY Pm:wadFor Page 6 of 10 G MAXWELL Under 'Vehicles Not Covered," the first bullet point is replaced with the following: • expensive autos, which means autos with an original manufacturer's suggested retail price of $75,000 or more when new; Under "Vehicles Not Covered," the tenth bullet point is replaced with the following: • full size sport utility vehicles, including but not limited to, Chevrolet/GMC Suburban, Tahoe and Yukon, Ford Expedition, Lincoln Navigator, Toyota Land Cruiser, Lexus LX450, Range Rover or full-sized Ford Bronco; The following exclusion under the tosses Not Covered section Is deleted: • loss of use fees imposed by the Rental Company; The first paragraph under "How to File a Claim' is replaced with the following: No cation of damage, including vandalism, theft, or an accident must be reported to the appropriate law enforcement agency as soon as reasonably possible. This requirement applies regardless of whether the Rental Auto is involved with other vehicles. Failure to notify may result in denial of benefits. If a loss occurs, a Cardmember should promptly nerdy the Car Rental Loss and Damage Claims Unit toll free at (800) 338-1670 in the U.S. only or call (440) 914-2950 from other locations worldwide. If the faiure of a Cardmember to promptly report a loss prejudices the rights of the Insurer, the claim may be denied. The second paragraph under "How Benefits are Paid" is replaced with the following: Al other payments, with the exception of loss of life, shall be payable to the Cardmember or Passenger. Payments for loss of life of a Cardmember or Passenger shall be payable to the first surviving class of the following: 1) his or her spouse or Domestic Partner; 2) his or her children, equally per stirpes; 3) his or her estate. 'Domestic Partner means persons of the same or opposite gender who either, 1. can provide documentation of registration of the Domestic Partner relationship pursuant to a state, county or municipal provision, or 2. can meet the following qualifications: a. have resided with each other continuously for at least the past 12 months in a sole-partner relationship that is intended to be permanent; b. are not married to any other person; c. are at least 18 years old; d. are not related to each other by blood closer than would bar marriage per state law; and e. are financially Interdependent as can be documented by copies of joint home ownership or lease, common bank accounts, credit cards, investments, or insurance. The form number is replaced with the following: "CRLDI-DOC-PLAT 11/05* Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 and is subject to change with notice. This document does not supplement or replace the Policy. ADDITIONAL INFORMATION FOR RESIDENTS OF LOUISIANA (C RLDI-RDR I -LA 11/05) The Rights of Recovery section is replaced with the following: If the Company makes any payment under this Policy and the Cardmember has the right to recover damages from another, the Company shall be subrogated to that-right. However, the Company's right to recover is subordinate to the Cardmember's right to be fully compensated. ADDITIONALINFORMATION FOR RESIDENTS OF SOUTH DAKOTA (CRLDI-RDRISD 11/05) Under Losses Not Covered, item number 5 is replaced with the following: Car Rental Loss and Damage Insurance does not cover losses caused by or contributed to by: 5. violation of criminal law, or commission of a criminal act, whether cited or charged; Under Losses Not Covered, item number 7 is replaced with the following: Car Rental Loss and Damage Insurance does not cover losses caused by or contributed to by 7. consumption of alcohol at or in excess of the legal blood alcohol level for a felony conviction in the state or locality In which the Accident occurred; ADDITIONAL INFORMATION FOR RESIDENTS OF VERMONT (CRLDI-RDRt-VT 11/0$) Under Losses Not Covered, the following item is hereby removed: 7. alcohol intoxication on the part of the driver, as defined In the state where the Accident occurred; ADDITIONAL INFORMATION FOR RESIDENTS OF WISCONSIN (CRLDI-RDR1-WI 11/05) Under Losses Not Covered, the following items are hereby removed: 5. illegal activity, such as losses where the Rental Auto was used for, a involved in illegal activity or felony; 7. alcohol Intoxication on the part of the driver, as defined in the state where the Accident occurred; 8. voluntarily taking any drug or acting under the influence or effect of that drug (unless taken as prescribed or administered by a Doctor); Under Losses Not Covered, the following item is added: 18. the use of the Rental Auto for unlawful purposes, or for transportation of liquor in violation of law, or while the driver is under the influence of an intoxicant or a controlled substance or controlled substance analog, or a combination thereof, or under the influence of any other drug to a degree which renders him or her incapable of safely driving, or under the combined influence of an intoxicant and any other drug to a degree which renders him or her incapable of safely driving, or any use of the motor vehicle in a reckless manner. ADDITIONAL INFORMATION FOR RESIDENTS OF WEST VIRGINIA (CRLDI-RDR1-WV 11/05) Under How Benefits are Paid, the Footnote, to the note that reads: Note: Benefits will not be paid it, on the date of loss, on the date of claim fling, or on the date of potential claim payment, any amount due on Your Card account is past due or Your Card is cancelled, is hereby revised to read as follows: Does not apply to West Virginia and New York State residents. BP/TR1OFYU0305 EFTA01704295  DUPLICATE COPY Prepargd Fa axing Oat Page 7 ol 10 G MAXWELL 03/08/06 Annual EFT Error Resolution Notice This notice is to inform you about how you should notify us or errors or questions regarding any electronic fund transfers you initiate using your American Express Card, Including Express Cash transactions, or electronic payments 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 telephone us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer questions, and at 1-800-CASH-NOW fcr Express Cash and Automatic Payment questions. Alternatively, you may write to us at American Express Travel Related Services Company, Inc., Electronic Funds Services, P.O. Box 297815, Ft. Lauderdale, FL 33323-7815, or e-mail us by clicking on the Customer Service link online at wynv.americanexpress.com We must hear from you no later than 60 days after wo 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 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 date and dollar amount of the suspected error. If 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 will determine whether an error occurred within 10 business days and win correct any error promptly. If we need more time, however, we may take up to 45days to investigate your complaint or question. If we decide to do this, we will credit your 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 vatting and we do not receive It within 10 business days, we may not credit your account. For errors involving new accounts, pant-of-sale 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. If 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. BP/TR10Pift/0306 EFTA01704296  DUPLICATE COPY Prepared for G MAXWELL Page 8 of 10 EFTA01704297  DUPLICATE COPY Preplied For Acct..r.t limber ClasIng Des Page 9011D G MAXWELL 03/08/06 An Important Notice Concerning Cardmember Privacy This Privacy Notice is addressed to United States holders of personal American Exprese Charge Cards or accounts, Optima Cards or accounts, and 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 and safeguard Information about you and how to tell us your opt out choices. In this Notice, American Express Travel Related Services Company, Inc., American Express Centurion Bank, and American Express Bank, FSB are called "American Express,"we," "our? and 'us." The cards and accounts that we issue are called 'Cards" or °Card accounts.' Holders of those Card accounts are called "Cardmembers" or 'you." Affiliates° refers to other companies in the American Express family, related to us by common control or ownership. What Information Do We Collect? institutions with whom we jointly offer products We obtain information about you from a variety and services. And we may disclose it to other tird of sources. You provide us with information about parties as permitted by law. For example, we disclose yourself, for example, by completing Card applications. Cardmember Information in response to subpoenas, to This includes your name, address, social security credit reporting agencies, and to help prevent fraud. number, and income and asset Information. Your use of the Card and your other transactions with us and our Your Opt Out Choices Affiliates provide us with additional information, such as You have 'opt out" choices about offers that may be your spending and payment history. sent to you and how those offers may be delivered to you. You may also opt out from certain disclosures of Other sources, such as credit reporting agencies and Cardmember Information. Your opt out choices and providers of marketing information, furnish us with how to opt out are explained below. additional information about your credit history, purchasing preferences, and other matters. We also Offers for Products and Services of Other obtain information in connection with our efforts to Companies protect against fraud. We call all of this information We work with other companies, such as merchants that 'Cardmember Information' accept the Card, so that you may receive offers for their products and services. We use Cardmember What Do We Do with This Information? Information to help make these offers more relevant We use Cardmember Information in connection with and valuable to you. If you respond to one of these delivering products and services to you. To do this it is offers, the other company will know certain information often necessary to share it with our Affiliates and other about you, such as your name, that you are a companies we work with. These include companies that Cardmember, and that you met the qualifications manage Card accounts, offer affinity, frequent-user, and established for the offer. reward programs, companies that perform marketing services and other business operations for us, and Your Choice: You may opt out from receiving these companies whose products or services are provided as offers by calling us at 800-297-8378 or by filling out a benefit of your Card account. We may also share the attached form and returning it to the address on Cardmember Information with other financial the form. You may also include the form with your regular payment. Please Note: You may receive additional privacy notices that provide information and different opt out choices for other Card accounts that are applicable only to those accounts. Please complete this form If you choose to opt out and wish to mall your response rather If you do not . than use the toll-free number, which is 800-297-8378. Return this form to American Express have a payment along with your payment coupon using the payment envelope enclosed with your statement. envelope, mail your response to: American Offers for Products and Services of Offers for American Express Products Express Other Companies and Services Cardmember O Do not use Cardmember Information to El Mail Offers: Do not use Cardmember Information send me offers for products and services Information to mail me offers for American Services of other companies. Express products and services. P.O. Box 299836 Ft. Lauderdale Credit Information Provided to O Telephone Offers: Do not contact me by FL 33329-9836 Our Affiliates telephone to offer me products and services. O Do not share credit-related Information about me (except as described in this Notice) with American Express Affiliates. MU/1LE/0306 EFTA01704298  DUPLICATE COPY Prcpatal For G MAXWELL Page 10 of 10 Offers for American Express Products and Services E-Mail Offers We may send you e-mail offers for our products Mall Offers and services, and those of our Affiliates and other We may use Cardrhember Information to mail you companies we work with. We don't share e-mail offers for American Express products and services. addresses with other companies for them to market Your Choice: To opt out from receiving these mailings, their own products and services to you. call us at 800-297-8378 or fill out the attached form and Your Choice: To opt out from receiving these e-mail return it to the address on the form. You may also offers, enter your preferences at the 'Set E-Mail include the form with your regular payment Preferences* page of our Internet Privacy Statement at Telephone Offers www.americanexpress.conVpreferences. We may contact you by telephone about our products Additional Information About Your Opt Out Choices and services or those that we offer with our business If you are the primary Cardmember on your Card partners. account, your opt out choices will also apply to any Your Choice: To opt out from receiving telephone other Cardmembers on your Card account. If you opt offers, call us at 800-297-8378 or fill out the attached out, we may still include notices and information about form and return it to the address on the form. You may the Card and other products and services when also include the form with your regular payment. communicating with you about your Card account and related products and services. Information We Share With Our Affiliates Our Affiliates include publishers, travelers cheques Information Security issuers, travel agents and providers of Card-related We take commercially reasonable physical, electronic insurance services. American Express Travel Related and procedural steps to help safeguard Cardmember Services Company, Inc., and American Express Information. Centurion Bank, and American Express Bank, FSB are Former Customers Affiliates of each other. We may disclose certain If you cancel your Card, or your Card account(s) Cardmember Information to our Affiliates to provide are closed, we will continue to treat and safeguard services for your Card account and to develop and send Cardmember Information about you as described in you offers for their products and services. We are this Notice. permitted by law to share with our Affiliates information about our transactions and experiences with you, such For Vermont Cardmembers Only as your payment history. But you can opt out of our If your Card account has a Vermont billing address, sharing with our Affiliates other credit-related we will automatically treat your account as if you had information (SuCh as your credit history as shown on a checked the lower-left hand box on the attached.opt consumer report). out form. We may share your name and contact information, and information about our transactions or Your Choice: To opt out from our sharing credit-related experiences with you, with financial institutions with information with our Affiliates (except as permitted by whom we jointly offer financial products and services law) call us at 800-297-8378 or fill out the attached form and with our Affiliates. This Notice describes opt out and return it to the address on the form. You may also choices about certain other uses of Cardmember include theform with your regular payment. Information. MllilLE/0306 EFTA01704299  DUPLICATE COPY : s orribershipi:ReWardseP:.. : : Platinum Card® PelntStallable' Statement of Account pt 02/28/06,': diargesdue are paid in. accounts good scantling . NIX-tEE For Meant N‘mba °Wing OS G MAXWELL 04/09/06 Page 1 of 10 New Acimty $ New Please Pay By PameekeilyS Inc.MA:4MM Balance $ PISPJ1Bthirb:e 04/24/06 23,079.69 -23,079.69 +31,606.82 31,606.82 Please refer to page 6 for important information regarding your account Your membership will be renewed next month. Please refer to the Renewal Notice on Page 6 For assistance or questions about your account, contact us at www.amerIcanexpress.com or call Customer Service at 1-800-525-3355. Fly Two-for-One Receive a complimentary companion ticket when you purchase a qualifying First Class or Business Class ticket on 18 acclaimed partner airlines. Bring a friend, family member or • colleague to intriguing new places, or create new memories in your favorites. The complimentary companion ticket will have the same itinerary as yours, and you can enjoy the flexibility of no blackout dates or cancellation fees. Complimentary ticket is subject to all government fees, taxes and charges. Program terms and conditions apply. For full program information, visit www.amerlcanexpress.com/platinum. To book your next flight, call Platinum Travel Service at 1-800-443-7672. Indealee posthack66 Armurd$ Activity A1110tirit for G MAXWELL Card Du 03/10/06 DEAN & DELUCA 877-8269246 KS 402.23 MISC FOOD STORE ROC No. 0000009505 0N23/06 LORO PIANA CENTRAL VALLEY NY 1,741.139 MEN'S/BOYS' CLOTHING ROC No. 000004 03/23/06 POLO FACTORY STORE CENTRAL VALLEY NY 70.26 GENERAL MERCHANDISE 03/29/66 FREDERIC FEKKAI NY NY 17497 BARBERA3EAUTY SHOP ROC No. 0C00001991 Piero lod cei the perloca:cc beicte, deteh and return wth )our payment + Continued on Page 3 Please Pay By: Please enter account Payment Coupon 04/24/06 ruanber on all checks and correspondence. Make check payable to American Express. 1010•••••3 See Finance Charges Total Amount Due section on reverse side for $31,606.82 a description of when additional Finance Charges are not assessed on Features. li..1111.,.11,,,,, Check here if address or telephone number has changed. Please note Mai: Payment to: changes on reverse side. AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 11111111 111111111111111111111111111111111111111111111111 003160682003160682 07 rt EFTA01704300  DUPLICATE COPY Prodorcd For Page 2 of 10 G MAXWELL Payments: Payments received after 12:00 noon may not be credited until the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and cearable through the US banking system, or through an electronic payment method payable in IJS dollars and clearable through the US banking system. Your Account number must be included on all payments. If To Pay By Phone payment does not conform to these requirements, crediting may be delayed and additional Charges may be imposed. If we 1.8OO.472.9297 accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment Into US dollars, unless a particular rate is required by law. Please do not send post-dated checks. They will be deposited upon receipt. Our acceptance of any payment marked with a restrictive legend will not operate as an accord and Customer Service, Lost satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks or Stolen Card and all electronically, a.t first presentment and any re-presentments, by transmitting the amount of the check, routing, number, other services account number and snack serial number to your financial east:triton, unless the check is not processable electronically or a 1.800-525-3355 less costly process is available. By submitting a check for paymenti you authorize us to initiate an electronic debit from your 24 hours/7 days bank or asset account. When we process your check electronically, your payment may be debited to your bank or asset account as soon as the same day we receive your check, and you will not receive that canceled checK with your bank or Car Rental Loss and asset account statement. If we cannot collect the funds electronically we may issue a haft against your bank or asset Damage Insurance account for the amount of the check Authorization for Electronic Payments: By using Pay By Computer, PayBy Phone 1-800-338-1670 or any other electronic payment service of ours, you will be authorizing us to Initiate an electronic debit to the financial account you specify in the amount you request. Payments received after 5:00 p.m. MST may not be credited until the next day. Allocation of Payments and Credits: Subject to applicable law, we will apply and allocate payments and credits Hearing Impaired among Features and Charges on your Account in any order and manner determined by us in our sole discretion. Finance (9am-5pm EST) Charges: Average Daily Balance (ADB) Method for Calculation of Finance Charges (FC): We use the ADS 1TY: 1.800.2215950 Method to calculate FC on your Account. Under tits method, we figure the FC on your Account by applying the Daily FAX: 1.800.695.9090 Periodic Rate (DPR) to the ADB (as described below) for each Feature (including current transactions). Different daily In NY: 1.800-522.1897 periodic rates may be applied to separate Feature balances. To get the ADB br each feature, we (1) take the beginning balance for each day (including unpaid FC from previous billing periods) (2) add any new transactions, debits, or fees, (3) large Print and Braille subtract any payments or credits, and (4) make any appropriate adjustments. For each day alter The first day of the biking Statements period, we also add an amount of interest equal to the previous days daffy balance multiplied by the DPR for the Feature. This gives us the daily balance for the Feature for that day and the beginning balance for that Feature for the next 1-800-525-3355 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 billing period and divide the total by the number of days in the billing period. This gives us the ADB for the Feature. IIyou pay Travel Emergency and the New Balance on this statement by the next Dosing Date, then you will avoid additional FC on features included in this Worldwide Personal New Balance. If you multiply the ADB for each Feature by the number of days in the tilling period and the DPR for that Assistance and Fine Feature, the result will be the FC assessed on that Feature, except for variations caused by rounding. The total FC fcr the Dining billing period is calculated by adding the FC assessed on all Features of the Account. This method of cakulating the ADB 1-800-345-AMEX andFC results in daily compounding of FC. Transactions Made in Foreign Currencies: If you incur a Charge in,a foreign currency,it Wit beccnverted into USdollars on the date it is processed by us or our agents. Unless a particular rate is Platinum Card Travel required by applicable law, we will choose a conversion rate that Is acceptable to us for thafdate. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rale published by a Service and Spas Fine Hotels, government agency, or (b) the highest interbank conversion rate identified try us from customary banking sources, on the conversion date or the pnor business day, In each Instance Increased by 2%. This conversion rate may differ from rates 1.800.443.7672 in effect on the date of your charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. Billing Rights Summary: In Case of Errors or Questions About Your Bill: if you think your bill is Platinum Card incorrect, or if you need more intormation about atransaction on your bill, write us on a separate sheet of paper at the Irritation Only Customer Service address noted to the right. We must hear from you no later than 60 days after we sent you the first bill on -800-321-RSVP 1- which the error or problem, appeared. You can telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. In.your letter, give us the fallowing information: 1. Your name andeccount number 2. The dollar amount of the suspected error; 3. Describe why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot repel you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from Customer Service your checking or savings account, you can stop the payment onany amount ycu think is wrong. To stop the payment your P.O. Box 7825 C.S. letter must reach us three business days before the automatic payment is soneduled to occur. Special Rule .for Credit Card Purchases: it you have a problem with the guilty of goods or services that you purchased with a credit card, and you Ft. Lauderdale, FL have tried in good faith to conect the problem with the merchant, you may not have to pay the remaining amount due on the 33329-7825 goods orservices. You have this protection onlywhen the purchase pricewas more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the Express Cash advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) Operations Credit Balance: If a credit balance (designated CR) is shown on this statement, it represents money owed to you. If ycu P.O. Box 297815 do rot make sufficient charges against the ere* balance or request a refund, we wd, within 30 days after expiration of Ft. Lauderdale, FL the six-month gonad following the date of the first statement indicating the credit ba'ance, issue a check to you for the 33329-7815 credit balance if the amount is $1.00 or more. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Payments P.O. BOX 2855 NEW YORK NY 10116-2855 Change of Address • To change your address online, visit www.amed