EFTA00314663.pdf

.AMalrcavl I Xi'HE SS TrueEarnings° Card Costive° aaaaaaanwaaaasa p. 1.13 LESLEY GROFF Closing Date 01/22/16 Next Closing Date 02/21/16 Account Ending Cash Back Rebate New Balance $5,667.89 As of Dec 2015 Minimum Payment Due $57.00 $1,238.64 2 For more details about Rewards, please visit americanexpress.comirewardsinfo Payment Due Date 02/17/16* Account Summary t Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $13,269.45 the Payment Due Date of 02/17/16, you may have to pay a late fee of up to Payments/Credits -$13,839.87 $37.00 and your Purchase APR may be increased to the Penalty APR of 27.49%. New Charges +$6,238.31 Fees +$0.00 interest Charged +$0.00 Minimum Payment Warning: If you make only the minimum payment each period, New Balance $5,667.89 you will pay more in interest and it will take you longer to pay off your balance. For Minimum Payment Due $57.00 example: Credit Limit $35,000.00 If you make no additional You will payoff the balance And you will pay an Available Credit $29,332.11 charges and each month you shown on this statement in estimated total of_. Cash Advance Limit $5,000.00 pay._ about... Available Cash $5,000.00 Only the Days in Billing Period: 30 16 years $11,866 Minimum Payment Due $7,128 Customer Care $198 3 years (Savings = $4,738) Pay by Computer amencanexpress.comipbc If you would like information about credit counseling services, call 1-888-733-4139. Customer Care m Pa irhone O See page 2 for Important Information about your account O See Page 2 for additional information. 4 Please fold on the perforation below, detach and return with your payment 4 El Payment Coupon Do not staple or use paper clips Pay by Computer americanexpress.com/pbc El Pa by Phone Account Ending Enter 15 digit account a on all payments. Make check payable to American Express. LESLEY GROFF Payment Due Date 02/17/16 New Balance $5,667.89 Minimum Payment Due $57.00 AMERICAN EXPRESS $ n phone Check here if your address or number has changed. P.O. BOX 1270 NEWARK NJ 07101-1270 Amount Endosed Note changes on reverse side. 0000349991346053952 000566789000005700 19 d EFTA00314663  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 address to be credited as of the day it Is received. Payments we receive after 5 p.m. will not be credited to your Account until the next day. Payments must also: (1) include the remittance coupon from your statement; (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system; and (3) Include your Account number. If your payment does not meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. Electronic payments must be made through an electronic payment method payable in US dollars and clearable through the US banking system.If we accept payment in a foreign currency, we will convert it into US dollars at a conversion rate that is acceptable to us, unless a particular rate is required by law. Please do not send post-dated checks as they will be deposited upon receipt. Any restrictive language on a payment we accept will have no effect on us without our express prior written approval. We will re-present to your financial institution any payment that is returned unpaid. Permission for Electronic Withdrawal: (1) When you send a check for payment, you give us permission to electronically withdraw your payment from your deposit or other asset account. We will process checks electronically by transmitting the amount of the check, routing number, account number and check serial number to your financial institution, unless the check is not processable electronically or a less costly process is available. When we process your check electronically, your payment 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 issue a draft against your deposit or other asset account for the amount of the check (2) By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you give us permission to electronically withdraw funds from the deposit or other asset account you specify in the amount you request. Payments using such services of ours received after 8:00 p.m. MST may not be credited until the next day. How We Calculate Your Balance: We use the Average Daily Balance (ADB) method (including new transactions) to calculate the balance on which we charge interest on your Account. Call the Customer Care number listed below for mote information about this balance computation method and how resulting interest charges are determined. The method we use to figure the ADB ondinterest results dolly compounding ofInterest. Paying Interest: Your due date is at least 25 days after the close of each billing period. We will not charge you interest on your purchases if 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 transaction date. 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 2.70% of the converted US dollar amount. 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 interbank rate we identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the date of your charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you.If within the six-month period following the date of the first statement indicating the credit balance you do not request a refund or charge enough to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is S1.00 or more. Credit Reporting: We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report Customer Care & Billing Inquiries Webslte: americanexpress.com International Coiled TrY: Mobile Site: amexmobile.com Large Print & Braille Statements FAX: Cash Advance at ATMs Inquiries In : Customer Care & Billing Inquiries Payments P.O. BOX 981535 P.O. BOX 1270 EL PASO, TX NEWARK NJ 07101• 79998.1535 1270 Change of Address If ccaect on front, do not use. Pay Your Bill with AutoPay • To change your address online, visit wnw.americanexpresscom/updatecontactinfo • For Name, Company Name, and Foreign Address or Phone change; please call Customs 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. lip Code Area Code and Home Phone Area Code and Work Phone Forinformation on how we protect your privacy and to set your communication Email and privacy choices. please visit www.amedcanexpresszomtprivacy. EFTA00314664  TrueEarnings* Card Cosrco p. 3 13 LESLEY GROFF Closing Date 01/22/16 Account Ending 0 SERVICE ADVISORY: We expect that you will no longer be able to useyour current American ExpressCard for any purchases beginning in mid-2016 because it will be discontinued. You can keep using your Card and earning rewards as you do today until then.Please call 1-888-246-1076Nyouneed more information Payments and Credits Summary Total Payments -$13,269.45 Credits LESLEY GROFF -$570.42 Total Payments and audits -$13,839.87 Detail 'Indicates posting date Payments Amount 01/11/1e LESLEY GROFF ELECTRONIC PAYMENT RECEIVED-THANK -$13,269.45 Credits Amount 12/27/15 LESLEY GROFF BLOOMINGDALES.COM ON -$46.26 12/27/15 LESLEY GROFF BLOOMINGDALES.COM ON -$54.24 12/27/15 LESLEY GROFF BLOOMINGDALES.COM ON -$46.26 01/12/16 LESLEY GROFF APPLE ONLINEUSA APPLE ONLINEUSA -$148.84 CUPERTINO CA APPLE ONLINE STORES 01/19/16 LESLEY GROFF SPORTS AUTHORITY -$51.85 NORWALK CT Description SPORTING GOODS/APPA 01/20/16 LESLEY GROFF APPLE ONLINEUSA APPLE ONLINEUSA -$60.00 CUPERTINO CA APPLE ONLINE STORES 01/20/16 LESLEY GROFF APPLE ONLINEUSA APPLE ONLINEUSA -$60.00 CUPERTINO CA APPLE ONLINE STORES 01/20/16 LESLEY GROFF BED BAN & BEYOND -$51.02 STAMFORD a 01/20/16 LESLEY GROFF MEMORIES 0323 -$51.95 SCOTTSDALE AZ Description MISCELLANEOUS PERSO Continued on reverse EFTA00314665  LESLEY GROFF Account Ending p. 4/13 New Charges Summary Total LESLEY GROFF $4,411.25 DANIEL GROFF $1,827.06 Total New Charges $6,238.31 Detail ri LESLEY GROFF Card Ending Amount 12/23/15 #02633 ACME 000000000306735 $6.79 NEW CANAAN a 9999999999 12/23/15 WALGREENS $13.81 NEW CANAAN a Description REFER TO RECEIPT 12/24/15 AMAZON MKTPLACE PMTS $16.49 AMZN.COM/BILL WA BOOK STORES 12/26/15 FANDANGO.COM $31.20 CA MOVIE TKTS FANDANGO.COM 12/26/15 #02633 ACME 000000000306735 $40.77 NEW CANAAN a 9999999999 12/27/15 AMAZON MKTPLACE PMTS $89.45 AMZN.COM/BILL WA BOOK STORES 12/27/15 #155 NORWALK GLOBAL 00013821155 $55.29 NORWALK CT Description Price GAS/MSC96 79791155 $ 5529 12/27/15 STOP&SHOP $64.45 NORWALK a GROCERY STORE 12/28/15 SPORTS AUTHORITY 00140 $103.69 PA ORDERS@GLOBALSPORTS.COM 12/28/15 METRO-NORTH TVM & TOM $4.00 NEW YORK NY 12/28/15 2BARCLAYS CNTR707305 30710707305 $10.00 BROOKLYN NY FOOD/BEVERAGE $10.00 Continued on next page EFTA00314666  C. AN TrueEamings• Card Cosrco p. 5/13 6i EXPRESS LESLEY GROFF Closing Date 01/22/16 Account Ending Detail Continued Amount 12/28/15 2BARCLAYS CNTR707305 30710707305 $28.50 BROOKLYN NY FOOD/BEVERAGE $2530 TIP $3.00 12/28/15 2BARCLAYS CNTR707305 30710707305 $12.75 BROOKLYN NY FOOD/BEVERAGE $12.75 12/28/15 2BARCLAYS CNTR707305 30710707305 $10.00 BROOKLYN NY FOOD/BEVERAGE $10.00 12/28/15 2BARCLAYS CNTR707305 30710707305 $20.25 BROOKLYN NY FOOD/BEVERAGE $20.25 12/28/15 2BARCLAYS CHTFI707305 30710707305 $11.50 BROOKLYN NY FOOD/BEVERAGE $1130 12/29/15 ITUNES.COM/BILL ITUCUPERTINO CA $3.02 12/29/15 CALVINKLEIN.COM $292.06 NJ 12/29/15 #02633 ACME 000000000306735 $13.99 NEW CANAAN CT 9999999999 12/30/15 WALTER STEWARTS MARKET 88430079246 $24.86 NEW CANAAN CT GROCERY STORE 01/01/16 COSTCO AX AUTO RENEWALS $110.00 WA COSTCO MEMBER RENEWAL Description For Membership- 01/01/16 LAGUARDIA USA, LLC $16.33 JAMAICA NY Description FAST FOOD RESTAURAN 01/01/16 PALACE LEVY RESTAURANTS 000000001 $34.75 AUBURN HILLS MI Description REFER TO RECEIPT Continued on reverse EFTA00314667  LESLEY GROFF Account Ending p. 8113 Detail Continued Amount 01/01/16 PALACE LEVY RESTAURANTS 000000001 $6.26 AUBURN HILLS MI Description REFER TO RECEIPT 01/02/16 EMAGINE ROYAL OAK 878852000796802 $33.00 ROYAL OAK MI MOVIE THEATER 01/03/16 LETIZIA'S PIZZA $34.83 Norwalk CT USFC06851 01/05/16 IMEMORIES 0323 $169.35 SCOTTSDALE AZ Description MISCELLANEOUS PERSO 01/05/16 COFFEECOMPANY 0459 $59.96 PENNSAUKEN NJ Description SPECIALTY RETAIL 01/07/16 METRO NORTH WEBT1CKET $137.75 NY 01/07/16 NYCT EASYPAY PROGRAM $45.00 NEWARK NJ 01/07/16 METRO NORTH WEEMCKET 588.83 NY 01/07/16 ETSY.COM $18.49 ETSY.COM/HELP NY Description Price MISCELLANEOUS APPAR $18.49 01/07/16 NEW CANAAN WINE LLC 650000007847943 $280.56 NEW CANAAN CT Description Price NEW CANAAN WINE LLC $280.56 01/08/16 UBER UBER 866.576.1039 CA $128.64 01/08/16 #02633 ACME 000000000306735 $14.67 NEW CANAAN CT 9999999999 01/08/16 COSTCO WHSE #0324000000000990324 $197.32 NORWALK a 01/08/16 COSTCO WHSE #0324000000000990324 5158.89 NORWALK CT Continued on next page EFTA00314668  u in CAN TrueEarnings* Card Cosrco p. 7:13 Al EXPRESS LESLEY GROFF Closing Date 01/22/16 Account Ending Detail Continued Amount 01/09/16 TONYS DELI & CATERING 650000007817367 $21.25 NEW CANAAN CT Description Price TOM'S DELI & CATERI $21.25 01/1W16 STOP&SHOP $124.72 NORWALK a GROCERY STORE 01/11/16 MAC USA N5020 $46.79 STAMFORD Cl 01/11/16 STAMFORD TOWN CENTER GARAGE $1.00 STAMFORD CT PARKING LOT & GARAGE 01/11/16 002633 ACME 000000000306735 $9.15 NEW CANAAN a 9999999999 01/11/16 WALGREENS $15.05 NEW CANAAN a Description REFER TO RECEIPT 01/12/16 NEW CANAAN CLEANERS 0019 $47.85 NEW CANAAN a Description NEW CANAAN CLEANERS 01/12/16 #02633 ACME 000000000306735 $13.18 NEW CANAAN a 9999999999 01/12/16 COSTCO WHSE #0324000000000990324 $108.79 NORWALK a 01/12/16 COSTCO WNSE 40324 000000000990324 $263.44 NORWALK a 01/16/16 NEW CANAAN PIZZA INC 0494 $56.00 NEW CANAAN a Description FOOD/BEVERAGE 01/17/16 SEPHORACOM $82.95 CA COSMETICS 01/1W16 SANDA'S CLEANERS -NEW $37.00 NEW CANAAN Cr Continued on reverse EFTA00314669  LESLEY GROFF Account Ending p. 8/13 Detail Continued Amount 01/18/16 WALGREENS 46.37 NEW CANAAN a Description REFER TO RECEIPT 01/18/16 STAPLES 00022 43.18 WILTON a 00022000848281 06897 1/8IN CVRBIND CLASSIC 01/18/16 STOP&SHOP 4106.74 NORWALK a GROCERY STORE 01/19/16 ORBITZ $339.20 CHICAGO IL VIRGIN AMERICA From: To: Carrier: Class: NEW YORK LAGUARDI DALLAS/FORT WORTH VX NEW YORK LAGUARDI VX N/A YY 00 N/A YY 00 Ticket Number:98477989530734 Date of Departure:02/16 Passenger Name: GROFF/LESLEY Document Type: PASSENGER TICKET 01/19/16 ORBITZ $339.20 CHICAGO IL VIRGIN AMERICA From: To: Carrier: Class: NEW YORK LAGUARDI DALLAS/FORT WORTH VX NEW YORK LAGUARDI VX N/A YY 00 N/A YY 00 Ticket Number 98477989530745 Date of Departure:02/16 Passenger Name: GROFF/TYLER Document Type: PASSENGER TICKET 01/19/16 002633 ACME 000000000306735 $15.20 NEW CANAAN a 9999999999 01/20/16 BED BATH & BEYOND $63.78 STAMFORD CT 01/20/16 TRADER JOE'S a529 QPS 529 $15.96 STAMFORD CT Description GROCERY STORES,SUPE 01/21/16 JEAN GEORGES OF POUND RID 000000090082 4269.64 POUND RIDGE NY FOOD/BEVERAGE 4227.64 TIP $42.00 01/21/16 AMAZON MKTPLACE PMTS $13.99 AMZN.COM/BILL WA BOOK STORES Continued on next page EFTA00314670  TrueEarnings• Card Cosno p. 9:13 LESLEY GROFF Closing Date 01/22/16 Account Ending ( Detail Continued Amount 01/21/16 WALGREENS $6.16 NEW CANAAN CT Description REFER TO RECEIPT 01/22/16 AMAZON MKTPLACE PMTS $17.16 AMZN.COM/BILL WA BOOK STORES DANIEL GROFF Card Ending Amount 12/26/15 RUNES.COWBILL ITUNES.COWBILL $7.24 CUPERTINO CA RUNES STORE & APP STORE 12/28/15 2BARCLAYS CNTR707305 30710707305 $20.25 BROOKLYN NY FOOD/BEVERAGE 52025 12/30/15 STAMFORD GAS LLC 00013821137 $34.41 STAMFORD CT Description Price GAS/MSC96 01541137 $34.41 12/31/15 AT&PBILL PAYMENT 956 $144.03 DALLAS DC Description TELEPHONE SER1ACE/E 01/01/16 LAGUARDIA USA, LLC 56.53 JAMAICA NY Description FAST FOOD RESTAURAN 01/02/16 220 RESTAURANT 556.70 BIRMINGHAM MI RESTAURANT 01/02/16 HYDE PARK BIRMINGHAM 5175.82 BIRMINGHAM MI RESTAURANT FOOD/BEVERAGE 5147.82 TIP 528.00 01/02/16 LEOS CONEY ISLAND 85 650000004396373 541.81 BIRMINGHAM MI TIP $7.00 01/03/16 GROBBECS GOURMET DELI 0796 $37.08 DETROIT MI Description FOOD/BEVERAGE Continued on reverse EFTA00314671  LESLEY GROFF Account Ending p. 10/13 Detail Continued Amount 01/03/16 LAGUARDIA LOT4 001 $156.00 NEW YORK NY 01/07/16 HILL COUNTRY BARBECUE 0066 $121.70 NEW YORK NY Description FOOD/BEVERAGE 01/07/16 HILL COUNTRY BARBECUE 0066 $56.82 NEW YORK NY Description FOOD/BEVERAGE 01/08/16 METRONORTH TVM & TOM $2.75 NEW YORK NY 01/09/16 CHEF LUIS 0020 $309.50 NEW CANAAN a Description FOOD/BEVERAGE 01/09/16 TOTAL WINE & MORE $155.91 NORWALK CT 01/13/16 DIRECTV SERVICE $201.23 CA WWW.DIRECTV.COM 01/13/16 STAMFORD GAS LLC 00013821137 $40.39 STAMFORD CT Description Price GAS/MSC96 75111137 $4039 01/14/16 CHEF LUIS 0020 $148.37 NEW CANAAN a Description FOOD/BEVERAGE 01/17/16 CHEF LUIS 0020 $107.50 NEW CANAAN CT Description FOOD/BEVERAGE 01/18/16 RUNES.COWBILL ITUNES.COWBILL $3.02 CUPEFMNO CA RUNES STORE & APP STORE Fees Amount Total Fees for this Period $0.00 Continued on next page EFTA00314672  TrueEarnings• Card Cosrco p. 11:13 LESLEY GROFF Closing Date 01/22/16 Account Ending Interest Charged Amount Total Interest Charged for thls Period 50.00 About Trailing Interest You may see interest on your next statement even If you pay the new balance In full and on time and make no new charges. This is called "trailing interest." Trailing Interest is the interest charged when, for example, you didn't pay your previous balance in full. When that happens we charge interest from the first day of the billing period until we receive your payment in full. You can avoid paying interest on purchases by paying your balance in full and on time each month. Please see the "When we charge Interest" sub-section in your Cardmember Agreement for details. 2016 Fees and Interest Totals Year-to-Date Amount Total Fees in 2016 $0.00 Total Interest In 2016 $0.00 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Transactions Dated Annual Balance Interest Percentage Subject to Charge From To Rate Interest Rate Purchases 05/03/2006 1145% (v) 50.00 50.00 Cash Advances 05/03/2006 214596 (v) 50.00 50.00 Total $0.00 10i/enable Rate EFTA00314673 LESLEY GROFF Account Ending p. 12:13 EFTA00314674 ■ TrueEarnings• Card LESLEY GROFF Closing Date 01/22/16 COSMO SIAtiaosisau Account Ending Total Cash Back as of Dec 2015 Billing Period Charges p. 13:13 Cash Back Reward Summary 51,238.64 Beginning Reward Balance +$1,053.58 Reward Amount Earned* +$185.06 Total Reward Year To Date +$1,238.64 •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 Dec 2015 Billing Period Charges Qualified Spend Cash Back Reward U.S. Gas Stations $214.41 @3% $6.44 U.S. Restaurants $733.09 @2% $14.67 Eligible Travel Purchases $4,101.24 rp296 $82.02 Other Eligible Purchases $8,190.26 @1% $81.93 Total Reward This Period $13,239.00 $185.06 Total Reward Year To Date $93,64630 $1,238.64 Important Messages You must maintain your Costco membership to redeem the Reward. See Cardmember Agreement for full terms and conditions. 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. Cash back rewards are calculated on each eligible transaction. The rewards shown above have been summarized for informational purposes. For specific details, please visit your online statement. EFTA00314675