EFTA00314702.pdf

DCPRESS TrueEarnings' Card Cosrco p. 1.13 LESLEY GROFF Closing Date 09/22/14 Account Ending Cash Back Reward New Balance $11,551.67 Aso( Aug 2014 Minimum Payment Due $116.00 $1,183.66 Get your latest balancesonline. a Enroll at americanexpress.com/regIster PaymentDue Date 10/17/14 Account Summary Late Payment Warning: If we do not receiveyour Minimum Payment Due by Previous Balance $7,889.98 the Payment Due Date listed above, you may have to pay a late fee of up to Payments/Credits -$8,735.63 $37.00 and your Purchase APR may be increased to the Penalty APR of 27.24%. New Charges +512,39732 Fees +50.00 Interest Charged +50.00 Minimum Payment Warning: If you make only the minimum payment each period, New Balance $11,551.67 you will pay more in interest and it will take you longer to pay off your balance. For MinimumPaymentDue $116.00 example: Credit Limit 05,000.00 If you makenoadditional You will pay off the balance And you will pay an AvallableCredit 523,44833 charges and each month you shown on this statement in estimated total of... pay... about... Cash Advance Limit $5,000.00 AvallableCash $5,000.00 Only the Minimum Payment Due 22years $25,247 Days in Billing Period: 31 514,476 Customer Care 5402 3 years (SovIngs= $10,771) If you would like information about credit counseling services, call 1-888-733.4139. Pay by Computer americanexpress.corri/pbc O See page 2 for important information about your account. Customer Care 1488.246-1076 Pa b Phone 2. underwritten See Page 13 for Important Information regarding benefits by AMEX Assurance Company g See page 2 for additional information. Pleasefold on the perforation below, detach and return with your payment + I21 Payment Coupon Pay by Computer m Pa e Account Ending Do not staple or use paper clips americanexpress.com/pbc Enter account number on all documents. Make check payable to American Express. IIIIIIIIIIIIIIII LESLEY GROFF Payment Due Date 10/17/14 New Balance $11,551.67 Minimum Payment Due $116.00 AMERICAN EXPRESS • n Check here if your addressor phone number has changed. P.O. BOX 1270 NEWARK NJ 07101-1270 Amount Enclosed Note changes on reverse side. 00003'49991346053952 001155167000011600 19 rl EFTA00314702  LESLEY GROFF Account Ending p. 2/13 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 addressto 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. Paymentsmust 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. Pleasedo not send post-dated checks as they will be deposited upon receipt Any restrictive languageon a payment we accept will have no effect on us without our express prior written approval. We will represent to your financialinstitution any payment that is retumed 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, unlessthe check is not processable electronkally or a less costly process's available. When we process your check electronically, your payment may be withdrawn from your deposit or other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your deposit or other asset account statement. If we cannot collect the funds electronically we may issuea draft against your deposit or other assetaccount for the amount of the check. (2) By using Pay By Computer, Pay By Phoneor any other electronic payment service of ours, you give us permission to electronkally 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. Now We Cakulate Your Balance: We use the Average Daily Balance (ADM method (including new transactions)to cakulate the balance on which we charge interest on your Account. Call the Customer Care number listed below for more information about this balance computation method and how resulting interest charges are determined. The method we use to figurethe ADEr andinterest results in dollycompoundingofinterest. PayingInterest:Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchasesif you pay the New Balance by the due date each month. We will charge you interest on cash advances and (unless otherwise disclosed) balance transfers beginning on the transactiondate. Foreign Currency Charges: If you make a Charge in a foreign currency, we will convert it Into US dollars on the date we or our agents process it. We will charge a fee of 2.7% of the convened US dollaramount. We will choose a conversion rate that is acceptable to us for that date, unless a particular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest Interbankrate 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 convened by establishments (such as airlines)will be billed at the rates such establishmentsuse. 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 defaultson your Account may be reflected in your credit report. Customer Care & Billing Inquiries Hearing lm (red Website: americanexpress.com InternationalCollect TTY. Mobile Site: amexmoblle.com Large Print & Braille Statements FAX Cash Advance at ATMs Inquiries In N Customer Care & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 79998-1535 07101.1270 Changeof Address If correct on front, do not use. Pay Your Bill with AutoPay • To change your address online, visit www.americanexpressxom/updatecontactinfo • Far Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. • Avoid late fees • Please print dearly 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 americanexpress.com/autopay City, State today to enroll. Zip Code Area Code and HOrTle Phone Area Code and For information on how we protect your 1Vork Phone privacy and to set your communication Email and privacy choices. please visit vavrw.amerIcanexpress.comtprivacy. EFTA00314703 AMCPICANl TrueEarninge Card COSTCO p. 3:13 EXPRESS LESLEY GROFF Closing Date 09/22/14 Account Ending Payments and Credits Summary Total Payments -57,889.98 Credits LESLEY GROFF -5845.65 Total Payments andCredits -$8,735.63 Detail Indkates posting date Payments Amount 09/03/14• LESLEY GROFF ELECTRONIC PAYMENT RECEIVED•THANK -57.889.98 Credits Amount 08/24/14 LESLEY GROFF RESTO 989 CW CA -$638 MISC HOME FURNISHINGS 08/29/14 LESLEY GROFF AMAZON MKTPLACE PMTSAMZN.COAV8ILL WA -$6.92 DIRECT MKTG MISC 08/29/14 LESLEY GROFF PIER 1 010041NOFtWALK CT -$50.96 09/03/14 LESLEY GROFF ZAPPOS.COM • NV -$79.98 DIRECT MKTG MISC 09/03/14 LESLEY GROFF ZAPPOS.COM • NV -$95.18 DIRECT MKTG MISC 09/03/14 LESLEY GROFF AMAZON MKTPLACE PMTSAMZN.COMBILL WA -$14.99 DIRECT MKTG MISC 09/04/14 LESLEY GROFF RESTO 989 CW CA -$414.98 MISC HOME FURNISHINGS 09/14/14 LESLEY GROFF COSTCO WHSE #0324 00NOFtWALK CT -$2126 09/19/14 LESLEY GROFF ZAPPOS.COM • NV •$155.00 DIRECT MKTG MISC New Charges Summary Total LESLEY GROFF $8,231.59 DANIEL GROFF $4,165.73 Total New Charges $12,397.32 Detail LESLEY GROPE Card Ending Amount 08/22/14 ZAPPOS.COM NV $155.00 SHOES Continued on reverse EFTA00314704  LESLEY GROFF Account Ending p. 4/13 Detail Continued Amount 08/23/14 NEW CANAAN WINE LLC NEW CANAAN a 513.81 Description Price PACKAGE STORE•BEER/ 513.81 08/23/14 FOOD EMPORIUM 1170500NEW CANAAN a 556.50 08/23/14 ART.COWALLPOSTERS CA 51220 POSTERS 08/25/14 SHEARERS FOODS INC BREWSTER OH 539.90 Description SPECIALTY RETAIL 08/25/14 SUBWAY 052266NEW CANAAN a 514.89 08/25/14 RESTO 989 CW CA 5414.98 HOME FURNISH 08/27/14 S&B EMBROIDERY & Sr 542.54 08/27/14 WALGREENS #09821 000NEW CANAAN a 55.72 Description REFER TO RECEIPT 08/27/14 FOOD EMPORIUM #70500NEW CANAAN a 513.18 08/28/14 CHEF LUIS 0020 NEW CANAAN a 553.61 Description FOOD/BEVERAGE 08/29/14 COSTCO WHSE #0324 00NOFtWALK a 595.86 08/29/14 PIER 1 010041NORWALK a 521.22 08/30/14 BRUEGGERS #334 54292NEW CANAAN a 57.94 FOOD/BEVERAGE 57.94 08/30/14 USPS 084658084011621NEW CANAAN a 51252 09/01/14 AMAZON VIDEO ON DEMA866.216-1072 WA $4.03 DIGITAL 09/01/14 WALGREENS #09821 000NEW CANAAN 55.84 Description REFER TO RECEIPT 09/03/14 METRO-NORTH MAIL&RID877-690-5114 NY 5300.86 09/03/14 HOMEGOODS #244 000008008880776 5145.59 GENERAL MDSE 09/03/14 COSTCO WHSE #0324 00NOFtWALK a 55735 Continued on next page EFTA00314705 E AM RICAN OPRESS TrueEarninge Card LESLEY GROFF Closing Date 09/22/14 COSTO2 Account Ending p. 5:13 Detail Continued Amount 09/03/14 WALGREENS 409821 000NEW CANAAN a S11.25 Description REFER TO RECEIPT 09/04/14 AMAZON MKTPLACE PMTSAMZN.COWBILL WA $14.68 BOOK STORES 09/04/14 AMAZON.COM AMZN.COWBILL WA $60.72 MERCHANDISE 09/04/14 PAPERLESS POSTVAPERNEW YORK NY $12.00 Desalption PAPERLESS POST 09/04/14 FRAME CREATIONS III SHELTON CT $750.00 Description SPECIALTY RETAIL ST 09/05/14 BED BATH & BEYOND 116PATERSON NJ S160.86 Desalption CATALOG MERCHANT 09/05/14 LETIZIA'S PIZZA $39.88 USFC061351 09/06/14 INSECT LORE CA $5.00 SCIENCE KITS 09/08/14 NEW CANAAN GULF 0000NEW CANAAN a $13.36 09/08/14 WALGREENS 409821 000NEW CANAAN a $552 Desalption REFER TO RECEIPT 09/10/14 NEW CANAAN RECREATN NEW CANAAN CT $121.00 Description GOVERNMNT SRVS ,NEC 09/10/14 AMAZON.COM AMZN.COM/BILL WA $35.08 MERCHANDISE 09/11/14 JETBLUE AIRWAYS 9010JETBLUE NY $252.48 JETBLUE AIRWAYS From: To: Carrier. Class: WESTCHESTER COUNTY FT LAUDERDALE/HOLL 86 WESTCHESTER COUNTY S5 N/A YY 00 N/A ry 00 Ticket Number: 27921182486592 Date of Departure:10/04 Passenger Name: GROFF/DANIEL MR Document Type: PASSENGER TICKET 09/12/14 NEW CANAAN WINE LLC NEW CANAAN CT $23.38 Desalption Price PACKAGE STORE•BEER/ $23.38 Continued on reverse EFTA00314706  LESLEY GROFF Account Ending p. 6/13 Detail Continued Amount 09/12/14 FOOD EMPORIUM 470500NEW CANAAN a $3.20 09/12/14 RICOS PIZZA 345 MAIN AVE a $26.40 09/12/14 TIAS $55.00 09/13/14 COSTCO WHSE #032400NOFtWALK a $206.99 09/13/14 LAMPS PLUS • 52 CHATSWORTH CA $270.00 Description BED/BATH/LINEN 09/14/14 THE HOME DEPOT 6204 NOFtWALK a $61.07 09/14/14 COSTCO WHSE 40324 00NOFtWALK CT $1,701.59 09/15/14 FOOD EMPORIUM 470500NEW CANAAN a $2236 09/15/14 AMAZON MKTPLACE PMTSAMZN.COWBILL WA $42.98 BOOK STORES 09/15/14 COFFEE POND 0232 NATICK MA $29.99 Description PHOTO STUDIOS/1/10EO 09/16/14 AMAZON MKTPLACE PMTSAMZN.COWBILL WA $54.99 BOOK STORES 09/16/14 HOMEGOODS 110203 030080088&3776 $153.10 GENERAL MDSE 09/16/14 BEDBATH&BEYOND40006 STAMFORD a $170.14 09/16/14 AMAZON.COM AMZN.COM/BILL WA $41.97 MERCHANDISE 09/17/14 STOP & SHOP 4662 NORWALK a $11&43 GROCERY STORE 09/17/14 AMAZON MKTPLACE PMTSAMZN.COM/BILL WA $29.88 BOOK STORES 09/17/14 AMAZON MKTPLACE PMTSAMZN.COWBILL WA $68.77 BOOK STORES 09/17/14 BOBS•STORES 110042 OONORWALK CT $111.62 Description CHILDREN CLOTHING 09/17/14 BEDBATH&BEYOND40006 STAMFORD a $144.61 09/18/14 AMAZON.COM AMZN.COM/BILL WA $19.86 MERCHANDISE 09/18/14 NEW CANAAN GULF 0000NEW CANAAN a $10.00 Continued on next page EFTA00314707 E AMRICAN OPPRESS TrueEarninge Card LESLEY GROFF Closing Date 09/22/14 COSTO, Account Ending p. 7:13 [ Detail Continued Amount 09/18/14 US LACROSSE 0202 BALTIMORE MD $25.00 Description CONTRIBUTION SiDONAT 09/18/14 ZAPPOS.COM NV $693.85 SHOES 09/19/14 AMAZON.COM AMZN.COM/BILL WA $9.93 MERCHANDISE 09/19/14 COSTCO WHSE #0324 00NOFtWALK a $39.36 09/19/14 COSTCO WHSE #0324 00NOFtWALK a $127.64 09/19/14 LETIZIAS PIZZA $51.05 USFC06851 09/20/14 DINOSAUR 8AR-84:1UE 5STAMFORD CT $835.04 TIP $100.00 09/21/14 FOOD EMPORIUM e70500NEW CANAAN a $48.98 09/22/14 AMAZON.COM AMZN.COM/BILL WA $79.04 MERCHANDISE DANIEL GROFF si Card Ending Amount 08/22/14 CHERRYSTREETEAST NEWCANAAN a $77.54 08/28/14 SHELL OIL 5754292200NORWALK CT $63.31 AUTO FUEL DISPENSER 08/29/14 SOUTH END 6500000066NEW CANAAN a $20.02 TIP $3.00 08/29/14 CHEF LUIS 0020 NEW CANAAN CT $82.01 Description FOOD/BEVERAGE 08/31/14 CHEF LUIS 0020 NEW CANAAN CT $91.26 Description FOOD/BEVERAGE 09/01/14 HUN. NE $34.00 09/02/14 COSTUME DISCOUNT NJ $37.07 COSTUMES 09/03/14 BMW Of Darien 878851DarIen a $2,583.30 09/03/14 SHELL OIL 5754325740DARIEN CT $7.60 AUTO FUEL DISPENSER Continued on reverse EFTA00314708  LESLEY GROFF Account Ending p. 8113 Detail Continued Amount 09/04/14 !TUNES MUSICUSA ITUNCUPERTINO CA $3.91 !TUNES MUSIC STORE 09/06/14 CHEF LUIS 0020 NEW CANAAN a $183.58 Description FOOD/BEVERAGE 09/07/14 AT&T•BILL PAYMENT 95DALLAS TX S188.29 Description TELEPHONE SERVICE/E 09/08/14 STAMFORD GAS LLC 000STAMFORD a $69.12 Description Price GAS/MSC96 35381137 $69.12 09/08/14 CVS PHARMACY 41213 QNEW CANAAN a $6.16 Description DRUGS AND SUNDRIES 09/11/14 SOUTH END 6500000066NEW CANAAN a $56.46 TIP $10.73 09/12/14 !TUNES MUSICUSA ITUNCUPERTINO CA $1.00 !TUNES MUSIC STORE 09/13/14 STOP & SHOP 4662 NORWALK a $60.20 GROCERY STORE 09/13/14 CHEF LUIS 0020 NEW CANAAN a $182.09 Description FOOD/BEVERAGE 09/13/14 BOBS STORES 110042 OONORWALK CT $35.08 Description CHILDREN CLOTHING 09/13/14 TOTAL WINE AND MORE NORWALK a $183.23 09/16/14 STAMFORD GAS LLC 000STAMFORD a $77.73 Description Price GAS/MSC96 45661137 $77.73 09/18/14 ITUNES MUSICUSA ITUNCUPERTINO CA $1.30 !TUNES MUSIC STORE 09/20/14 WEST AVENUE STANDARDDARIEN CT $71.42 09/20/14 FOOD EMPORIUM 470500NEW CANAAN a $30.05 09/21/14 EZPASS PREPAID TOLL NY $20.00 Continued on next page EFTA00314709 AMER TrueEarninge Card Cosrco p.913 LESLEY GROFF Closing Date 09/22/14 Account Ending Fees Amount Total Fees for this Period $0.00 Interest Charged Amount Total Interest Charged for this Period $0.00 2014 Fees and Interest Totals Year-to-Date Amount Total Feesin 2014 $0.00 Total Interest In 2014 $0.00 Interest Charge Calculation Your Annual Percentage Rate (APR) Is the annual Interest rate on your account. 1 Transactions Dated Annual Balance Interest Percentage Sulklectto Charge From To Rate InterestRate Purchases 05/03/2006 15.24% (v) $0.00 $0.00 Cash Advances 05/03/2006 25.24% (v) $0.00 $0.00 Total $0.00 CO Variable Rate EFTA00314710 LESLEY GROFF Account Ending p. 10:13 EFTA00314711  p. 11/13 LESLEY GROFF Closing Date 09/22/14 Account Ending Cash Back Reward Summary Total Cash Back as of Aug 2014 Billing Period Charges 51,183.66 Beginning Reward Balance • S T.083.08 Reward Amount Earned' S • 0038 Total Reward Year To Date +51,183.66 'Charges on this billing statement are not reflected in the Rewards Summary information. Reward Amount Earned is pending until the minimum payment has been made. Reward Details Rewards for Aug 2014 Billing Period Charges Qualified Spend Cash Back Reward U.S. Gas Stations $145.33 @3% $4.36 U.S. Restaurants $321.35 @2% $6.43 Eligible Travel Purchases $1,556.39 @2% $31.13 Other Eligible Purchases $5,866.91 @1% $58.66 Total Reward This Period 7,889.98 10058 Total Reward Year To Date $99,599.94 $1,183.66 Important Messages Remember to pay at least the Minimum Payment Due by the Payment Due Date for eligible purchases on this statement to count towards your annual reward and to avoid late fees. EFTA00314712 LESLEY GROFF Account Ending p. 12:13 EFTA00314713  TrueEarningst Card Cosrco p. 1303 iO314ESS LESLEY GROFF Closing Date 09/22/14 Account Ending Notice of Important Changes to the Additional Benefits of Your Card Effective immediately, we are making a change to the location of the Terms and Conditions of the Additional Benefits of Your Card. You can now access and view the Terms and Conditions for the Additional Benefits of your eligible Cards online at americanexpress.com/BenefitsGuide. Depending on your Card, you may have access to the following benefits: Purchase Protection, Return Protection, Extended Warranty, Event Ticket Protection Plan, Global Assist Hotline, Premium Global Assist Hotline, Roadside Assistance Hotline, Enhanced Roadside Assistance, Premium Roadside Assistance, Car Rental Loss and Damage Insurance, Travel Accident Insurance, Baggage Insurance Plan or Employee Card Misuse Protection. If you would like a printed version of the Terms and Conditions, please call the number on the back of your Card. The insurance products are no longer available in certain territories. Effective August 1, 2014, the insurance products that come as a benefit of your Cardmembership are not available for residents of the Federated States of Micronesia, The Marshall Islands, and the Republic of Palau. Depending on your Card, the insurance products may include: Purchase Protection, Extended Warranty, Event Ticket Protection Plan, Car Rental Loss and Damage Insurance, Travel Accident Insurance, Baggage Insurance Plan or/and Employee Card Misuse Protection. 50294 BP/NACBASEJ0914 EFTA00314714