American Express® Traditional Gold Card p.

1/14

BEATRICE B JUDGE
Closing Date 11/28/19 Account Ending 9-15002

Visit
New Balance $1,100.50
www.membershiprewards.com
Minimum Payment Due $65.50

Payment Due Date 12/23/19 Account Summary

Late Payment Warning: If we do not receive your Minimum Payment Due by Pay In Full
the Payment Due Date of 12/23/19, you may have to pay a late fee of up to Previous Balance $27.65
$39.00 and your Pay Over Time APR may be increased to the Penalty APR of Payments/Credits -$27.65
29.99%. New Charges +$30.50
Fees +$0.00
New Balance = $30.50

Pay Over Time and/or Cash Advance

Minimum Payment Warning: If you make only the minimum payment each period, Previous Balance $970.00
you will pay more in interest and it will take you longer to pay off your Pay Over Time Payments/Credits -$970.00
and/or Cash Advance balance. For example: New Pay Over Time Charges +$1,070.00
New Cash Advances +$0.00
Fees +$0.00
If you make no additional You will pay off the balance And you will pay an
charges and each month you shown on this statement in estimated total of... Interest Charged +$0.00
pay... about... New Balance = $1,070.00
Minimum Due $35.00
Only the
Minimum Payment Due 3 years $1,407 Account Total
Previous Balance $997.65
Payments/Credits -$997.65
If you would like information about credit counseling services, call 1-888-733-4139. New Charges +$1,100.50
New Cash Advances +$0.00
See page 2 for important information about your account. Fees +$0.00
Interest Charged +$0.00
New Balance $1,100.50
See page 7 for a Notice Of Change To The Membership Rewards Minimum Payment Due $65.50
Program Terms & Conditions.
Days in Billing Period: 30
Please refer to the IMPORTANT NOTICES section for any changes to Customer Care
your Account terms and any other communications on
pages 5 - 11. Pay by Computer
americanexpress.com/pbc
Continued on page 3
Customer Care Pay by Phone
1-800-327-2177 1-800-472-9297

See page 3 for additional information.

Payment Coupon Pay by Computer Pay by Phone Account Ending 9-15002

Do not staple or use paper clips americanexpress.com/pbc 1-800-472-9297
Enter 15 digit account # on all payments.
Make check payable to American Express.

BEATRICE B JUDGE Payment Due Date

5643 S JAMAICA WAY 12/23/19
ENGLEWOOD CO 80111-3936
New Balance
$1,100.50
AutoPay Amount
$1,100.50

See reverse side for instructions AMERICAN EXPRESS

P.O. BOX 650448
$ .
Amount Enclosed
on how to update your address,
phone number, or email. DALLAS TX 75265-0448
 BEATRICE B JUDGE Account Ending 9-15002 p. 2/14

Payments: Your payment must be sent to the payment address shown on be billed at the rates such establishments use.
your statement and must be received by 5 p.m. local time at that address to Credit Balance: A credit balance (designated CR) shown on this statement
be credited as of the day it is received. Payments we receive after 5 p.m. represents money owed to you. If within the six-month period following
will not be credited to your Account until the next day. Payments must the date of the first statement indicating the credit balance you do not
also: (1) include the remittance coupon from your statement; (2) be made request a refund or charge enough to use up the credit balance, we will
with a single check drawn on a US bank and payable in US dollars, or with a send you a check for the credit balance within 30 days if the amount is
negotiable instrument payable in US dollars and clearable through the US $1.00 or more.
banking system; and (3) include your Account number. If your payment Credit Reporting: We may report information about your Account to credit
does not meet all of the above requirements, crediting may be delayed and bureaus. Late payments, missed payments, or other defaults on your
you may incur late payment fees and additional interest charges. Electronic Account may be reflected in your credit report.
payments must be made through an electronic payment method payable What To Do If You Think You Find A Mistake On Your Statement
in US dollars and clearable through the US banking system. If we accept If you think there is an error on your statement, write to us at:
payment in a foreign currency, we will convert it into US dollars at a American Express, PO Box 981535, El Paso TX 79998-1535
conversion rate that is acceptable to us, unless a particular rate is required You may also contact us on the Web: www.americanexpress.com
by law. Please do not send post-dated checks as they will be deposited In your letter, give us the following information:
upon receipt. Any restrictive language on a payment we accept will have - Account information: Your name and account number.
no effect on us without our express prior written approval. We will re- - Dollar amount: The dollar amount of the suspected error.
present to your financial institution any payment that is returned unpaid. - Description of Problem: If you think there is an error on your bill,
Permission for Electronic Withdrawal: (1) When you send a check for describe what you believe is wrong and why you believe it is a mistake.
payment, you give us permission to electronically withdraw your payment You must contact us within 60 days after the error appeared on your
from your deposit or other asset account. We will process checks statement.
electronically by transmitting the amount of the check, routing number, You must notify us of any potential errors in writing [or electronically]. You
account number and check serial number to your financial institution, may call us, but if you do we are not required to investigate any potential
unless the check is not processable electronically or a less costly process is errors and you may have to pay the amount in question.
available. When we process your check electronically, your payment may While we investigate whether or not there has been an error, the following
be withdrawn from your deposit or other asset account as soon as the same are true:
day we receive your check, and you will not receive that cancelled check - We cannot try to collect the amount in question, or report you as
with your financial account statement. If we cannot collect the funds delinquent on that amount.
electronically we may issue a draft against your deposit or other asset - The charge in question may remain on your statement, and we may
account for the amount of the check. (2) By using Pay By Computer, Pay By continue to charge you interest on that amount. But, if we determine that
Phone or any other electronic payment service of ours, you give us we made a mistake, you will not have to pay the amount in question or any
permission to electronically withdraw funds from the deposit or other asset interest or other fees related to that amount.
account you specify in the amount you request. Payments using such - While you do not have to pay the amount in question, you are responsible
services of ours received after 8:00 p.m. MST may not be credited until the for the remainder of your balance.
next day. - We can apply any unpaid amount against your credit limit.
How We Calculate Your Balance: We use the Average Daily Balance (ADB) Your Rights If You Are Dissatisfied With Your Credit Card Purchases
method (including new transactions) to calculate the balance on which we If you are dissatisfied with the goods or services that you have purchased
charge interest for Pay Over Time and/or Cash Advance balances on your with your credit card, and you have tried in good faith to correct the
Account. Call the Customer Care number on page 3 for more information problem with the merchant, you may have the right not to pay the
about this balance computation method and how resulting interest remaining amount due on the purchase.
charges are determined. The method we use to figure the ADB and interest To use this right, all of the following must be true:
results in daily compounding of interest. 1. The purchase must have been made in your home state or within 100
Paying Interest: If you have a Pay Over Time and/or Cash Advance balance, miles of your current mailing address, and the purchase price must have
your due date is at least 25 days after the close of each billing period. We been more than $50. (Note: Neither of these is necessary if your purchase
will begin charging interest on transactions added to a Pay Over Time was based on an advertisement we mailed to you, or if we own the
balance as of the date they are added. However, we will not charge interest company that sold you the goods or services.)
on charges added to a Pay Over Time balance automatically (for example, 2. You must have used your credit card for the purchase. Purchases made
Pay Over Time Travel and Pay Over Time Direct) if you pay the Account Total with cash advances from an ATM or with a check that accesses your credit
New Balance by the due date each month. We will, however, charge you card account do not qualify.
interest on cash advances beginning on the transaction date. 3. You must not yet have fully paid for the purchase.
Foreign Currency Charges: If you make a Charge in a foreign currency, we If all of the criteria above are met and you are still dissatisfied with the
will convert it into US dollars on the date we or our agents process it. We purchase, contact us in writing or electronically at:
will charge a fee of 2.70% of the converted US dollar amount. We will American Express, PO Box 981535, El Paso TX 79998-1535
choose a conversion rate that is acceptable to us for that date, unless a www.americanexpress.com
particular rate is required by law. The conversion rate we use is no more While we investigate, the same rules apply to the disputed amount as
than the highest official rate published by a government agency or the discussed above. After we finish our investigation, we will tell you our
highest interbank rate we identify from customary banking sources on the decision. At that point, if we think you owe an amount and you do not pay
conversion date or the prior business day. This rate may differ from rates in we may report you as delinquent.
effect on the date of your charge. Charges converted by establishments will

Pay Your Bill with AutoPay

Deduct your payment from your bank
account automatically each month.

- Avoid late fees

- Save time
Change of Address, phone number, email
Visit americanexpress.com/autopay
- Online at www.americanexpress.com/updatecontactinfo today to enroll.
- Via mobile device
- Voice automated: call the number on the back of your card
- For name, company name, and foreign address or phone changes, please call Customer Care
Please do not add any written communication or address change on this stub For information on how we protect your
privacy and to set your communication
and privacy choices, please visit
www.americanexpress.com/privacy.
 American Express® Traditional Gold Card p. 3/14

BEATRICE B JUDGE
Closing Date 11/28/19 Account Ending 9-15002

Customer Care & Billing Inquiries 1-800-528-4800 Hearing Impaired

International Collect 1-336-393-1111 TTY: 1-800-221-9950 Website: americanexpress.com
Large Print & Braille Statements 1-800-528-4800 FAX: 1-623-707-4442
Lost or Stolen Card 1-800-992-3404 In NY: 1-800-522-1897 Customer Care
Cash Advance at ATMs Inquiries 1-800-CASH-NOW & Billing Inquiries Payments
P.O. BOX 981535 P.O. BOX 650448
EL PASO, TX DALLAS TX 75265-
79998-1535 0448

We will debit your bank account for your payment of $1,100.50 on

12/23/19. This date may not be the same date your bank will debit your
bank account. Any inquiry to American Express concerning this debit
should be made before 12/21/19. If your AutoPay payment is less than
your Minimum Payment Due, we must receive an additional payment
for at least the difference by 12/23/19.

Payments and Credits

Summary
Pay Over Time and/or
Pay In Full Cash Advance Total
Payments -$27.65 -$970.00 -$997.65
Credits $0.00 $0.00 $0.00
Total Payments and Credits -$27.65 -$970.00 -$997.65

Detail *Indicates posting date

Payments Amount
11/23/19* AUTOPAY PAYMENT RECEIVED - THANK YOU -$997.65
WELLS FARGO BANK, NA

New Charges
Summary
Pay In Full Pay Over Time Total
Total New Charges $30.50 $1,070.00 $1,100.50

Detail - denotes Pay Over Time and/or Cash Advance activity

For more information, visit

americanexpress.com/payovertimeinfo

BEATRICE B JUDGE
Card Ending 9-15002
Amount
11/05/19 FACTS TUITION AND FEES 084870011599979 866-412-4637 NE $970.00
SCHOOL
11/05/19 FACTS TUITION AND FEES 084870011599979 866-412-4637 NE $27.65
SCHOOL
11/22/19 FACTS TUITION AND FEES 084870011599979 866-412-4637 NE $2.85
SCHOOL
11/22/19 FACTS TUITION AND FEES 084870011599979 866-412-4637 NE $100.00
SCHOOL

Continued on reverse
 BEATRICE B JUDGE Account Ending 9-15002 p. 4/14

Fees

Amount

Total Fees for this Period $0.00

Interest Charged

Amount

Total Interest Charged for this Period $0.00

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.

2019 Fees and Interest Totals Year-to-Date

Amount
Total Fees in 2019 $130.00
Total Interest in 2019 $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

Pay Over Time Direct 12/31/2006 16.74% (v) $0.00 $0.00

Pay Over Time Travel 12/31/2006 16.74% (v) $0.00 $0.00

Pay Over Time Select 12/31/2006 16.74% (v) $0.00 $0.00

Cash Advances 05/01/2019 26.74% (v) $0.00 $0.00

Total $0.00
(v) Variable Rate

Information on Pay Over Time

There is no pre-set spending limit on your Card

No pre-set spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card,
your payment history, credit record and financial resources known to us and other factors. Unless you have been
previously notified otherwise, your Card has no pre-set spending limit.

Your Pay Over Time Limit is $35,000.00

We may approve or decline a charge regardless of whether your Card account balance exceeds or does not exceed
your Pay Over Time limit. You must pay in full all charges that are not placed into a Pay Over Time and/or Cash
Advance balance. For more information about Pay Over Time features please visit
americanexpress.com/payovertime.
 p. 5/14
BEATRICE B JUDGE Closing Date 11/28/19 Account Ending 9-15002
IMPORTANT NOTICES

Your Personal Details

Account protection is important to us. Please update your Personal Details so we may contact you about your account if
needed. Visit https://global.americanexpress.com/account-management/ to get started.

Important Notices continued on next page.

 p. 6/14
BEATRICE B JUDGE Closing Date 11/28/19 Account Ending 9-15002
IMPORTANT NOTICES continued

Important Notices continued on next page.

 p. 7/14
BEATRICE B JUDGE Closing Date 11/28/19 Account Ending 9-15002
IMPORTANT NOTICES continued

®
Notice of Important Changes to the Membership Rewards Program Terms
We are making a change to the Membership Rewards Program Terms & Conditions. We encourage
you to read this notice, share it with Additional Card Members on your account, and file it for future
reference. If you have any questions about this change, please call the number on the back of
your Card. A summary of the changes appear below. The detailed changed can be found after the
summary chart.

Summary of Changes Effective Immediately

About the Program We are changing the terms that concern the annual enrollment fee for
certain Corporate Card Members to participate in the program.
Effective March 6, 2020, the Membership Rewards annual enrollment
fee for American Express Corporate Gold Cards will be $0. If an
American Express Corporate Gold Card is enabled by your company to
®
participate in the Membership Rewards program it will be automatically
enrolled in the program.

Effective March 6, 2020, the Membership Rewards annual enrollment

fee for American Express Corporate Green Cards will be reduced from
$90 to $55. If an American Express Corporate Green Card has been
®
enabled by your company to participate in the Membership Rewards
program, you may choose to enroll in the Program and the annual fee will
be charged to your Card.

Effective March 6, 2020, the Membership Rewards annual enrollment

®
fee for Global Dollar Card - American Express Corporate Executive
®
Gold Card will be $0. If a Global Dollar Card - American Express
Corporate Executive Gold Card is enabled by your company to participate
®
in the Membership Rewards program it will be automatically enrolled in
the program.

Effective March 6, 2020, the Membership Rewards annual enrollment

®
fee for Global Dollar Card - American Express Corporate Card will be
®
reduced from $75 to $55. If a Global Dollar Card - American Express
Corporate Card has been enabled by your company to participate in
®
the Membership Rewards program, you may choose to enroll in the
Program and the annual fee will be charged to your Card.
Getting Points We are changing the terms that concern the number of points that a
Corporate Card Member earns per dollar of eligible spend (referred to in
this paragraph as the "earn rate"). If you are a Corporate Card Member,
effective March 6, 2020, your company will have the choice to determine
®
if you earn one Membership Reward point per dollar or one Membership
Reward point per two dollars of eligible spend on your enrolled Card.
Initially, your company will be able to select the earn rate until March
31, 2020, which earn rate would be activated for you on May 1, 2020.
Beginning in the fall of 2020, your company will be able to select the
earn rate annually during the earn rate enrollment period in October and
November of each year, which would be activated for you on January 1 of
the following year. If your company does not make a selection during the
annual enrollment period, then the earn rate will remain unchanged. If you
are enrolled in the Membership Rewards Program you will be notified by
American Express if your company decides to change the earn rate for its
Corporate Card Program.

Important Notices continued on next page. CMLENGDPRUS0062

 p. 8/14
BEATRICE B JUDGE Closing Date 11/28/19 Account Ending 9-15002
IMPORTANT NOTICES continued

Getting Additional We are changing how additional points are awarded on the American
Points ®
Express Green Card to award additional points for purchases on travel
including transit, and global restaurants.
Arbitration We are making changes to the claims resolution sections of your
(Claims Resolution) Membership Rewards Terms & Conditions.
ID 12861

See the following page(s) for the Detail of Changes to

the Membership Rewards Program Terms & Conditions.

Important Notices continued on next page.

 p. 9/14
BEATRICE B JUDGE Closing Date 11/28/19 Account Ending 9-15002
IMPORTANT NOTICES continued
Detail of Changes to the Membership Rewards Program Terms & Conditions
This notice amends the Membership Rewards Program Terms & Conditions (the "Terms &
Conditions") as described below. We have the right to amend as described in the Terms &
Conditions. Any terms in the Terms & Conditions conflicting with this change are replaced fully and
completely. Terms not changed by this notice remain in full force and effect.

A. Effective Immediately, the Who Can Use the Program & Annual Fees subsection of the About
the Program section of the Membership Rewards Terms & Conditions will be amended as follows:

®
The $90 annual program fee for the American Express Corporate Gold Card will be deleted
and replaced with $0 (Effective March 6, 2020).

®
The $90 annual program fee for the American Express Corporate Green Card will be
deleted and replaced with $55 (Effective March 6, 2020).

®
The $75 annual program fee for the Global Dollar Card - American Express Corporate
Executive Gold Card will be deleted and replaced with $0 (Effective March 6, 2020).

®
The $75 annual program fee for the Global Dollar Card - American Express Corporate Card
will be deleted and replaced with $55 (Effective March 6, 2020).

B. Effective Immediately the Using Your Card subsection of the Getting Points section of the
Membership Rewards Terms & Conditions will be amended as follows:

The following sentence will be added to the first paragraph:

Effective March 6, 2020, Corporate Card Members enrolled in the Membership Rewards
Program will earn either one point for every dollar, or one point for every two dollars
charged on the Corporate Card, depending on the earn rate selected by the company for its
employees enrolled in the Membership Rewards Program. The earn rate selected will apply
to all eligible charges made on the Corporate Card.

C. Effective immediately, the Getting Additional Points subsection of the Getting Points section
of the Membership Rewards Program Terms & Conditions will be amended with the addition of the
following new section:

®
American Express Green Card
Subject to these Terms and Conditions, for each dollar charged for an eligible purchase in
each billing period on your American Express Green Card you will earn:
• Two (2) additional points (for a total of three (3) points) for each dollar charged on
eligible travel purchases including airfare, hotels, cruises, car rentals, campgrounds,
trains, taxicabs, rideshare services, tours, ferries, tolls, parking, buses, subways, on
third party travel websites, and on amextravel.com. You will not earn additional points
for purchases of timeshare properties.
• Two (2) additional points (for a total of three (3) points) for each dollar charged at
restaurants worldwide. You may not earn additional points for purchases at a restaurant
located within another establishment (e.g., a restaurant inside a hotel, casino, or event
venue). For example, purchases made at a restaurant located within a hotel may be
recognized as a purchase at a hotel, not a restaurant. You will not earn additional points
for purchases at bars, nightclubs, cafeterias, and convenience stores.

Important Notices continued on next page.

 p. 10/14
BEATRICE B JUDGE Closing Date 11/28/19 Account Ending 9-15002
IMPORTANT NOTICES continued

D. Effective immediately, the Claims Resolution section under the Arbitration section of the
Membership Rewards Program Terms & Conditions are amended as follows:

Mediation

The seventh sentence is deleted and replaced with:

All applicable statutes of limitation will be tolled from the date you or we send the claim notice
until termination of the mediation.

Arbitration

The sixth sentence in the Claims Resolution section is deleted and replaced with:

The arbitrator's authority is limited to claims between you and us alone. Claims may not be
joined or consolidated unless you and we agree in writing. An arbitration award and any
judgment confirming it will apply only to the specific case and cannot be used in any other
case except to enforce the award. The arbitrator's decisions are as enforceable as any court
order and are subject to very limited review by a court.

Limitations on Arbitration

The third, fourth, and fifth sentences in the Claims Resolution section are deleted.

Arbitration Procedures

The fifth sentence is deleted and replaced with:

You and we agree that the arbitration will be confidential. You and we agree that we will not
disclose the content of the arbitration proceeding or its outcome to anyone, but you or we
may notify any government authority of the claim as permitted or required by law.

The eighth and ninth sentences are deleted and replaced with:

The arbitrator's award will be final and binding, subject to each party's right to appeal as
stated in this section and/or to challenge or appeal an arbitration award pursuant to the FAA.
To initiate an appeal, a party must notify the arbitration organization and all parties in writing
within 35 days after the arbitrator's award is issued. The arbitration organization will appoint
a three-arbitrator panel to decide anew, by majority vote based on written submissions,
any aspect of the decision objected to. The appeal will otherwise proceed pursuant to the
arbitration organization's appellate rules.

Additional Arbitration Awards

The section is deleted and replaced with:

If the arbitrator rules in your favor for an amount greater than any final offer we made before
the final hearing in arbitration, the arbitrator's award will include: (1) any money to which you
are entitled, but in no case less than $5,000; and (2) any reasonable attorneys' fees, costs
and expert and other witness fees.

Important Notices continued on next page.

 p. 11/14
BEATRICE B JUDGE Closing Date 11/28/19 Account Ending 9-15002
IMPORTANT NOTICES continued

EFT Error Resolution Notice

In Case of Errors or Questions About Your Electronic Transfers Telephone us at 1-800-IPAY-AXP for Pay By Phone
questions, at 1-800-528-2122 for Pay By Computer questions, and at 1-800-528-4800 for AutoPay. You may also write
us at American Express, Electronic Funds Services, P.O. Box 981531, El Paso TX 79998-1531, or contact online at
www.americanexpress.com/inquirycenter as soon as you can, if you think your statement or receipt is wrong or if you
need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days
after we sent you the FIRST statement on which the error or problem appeared.
1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an
error or why you need more information.
3. Tell us the dollar amount of the suspected error.
We will investigate your complaint and will 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 the use of the money during
the time it takes us to complete our investigation.

End of Important Notices.

BEATRICE B JUDGE Account Ending 9-15002 p. 12/14
American Express® Traditional Gold Card p. 13/14

BEATRICE B JUDGE
Closing Date 11/28/19 Account Ending 9-15002
BEATRICE B JUDGE Account Ending 9-15002 p. 14/14

American Express® MIXBOOK

A powerful editor & collection of designer themes, let's you easily create one-of-a-kind
Cards Warmly photo products that truly reflect your personal style. mixbook.com.
Welcomed

If there are other places where you would like to see the Card accepted, please call the Customer Care number
that is located on Page 1 of your statement or the number that is on the back of your Card.