Blue Cash Everyday® from American Express p.

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TOM PETERSON
Closing Date 02/01/20 Card Number: 3728-156317-17007

Reward Dollars
New Balance $1,320.29 as of 02/01/2020
Minimum Payment Due $39.00 54.33
For more details about Rewards, visit
americanexpress.com/cashbackrewards
Payment Due Date 12/04/19 Account Summary
Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $1,630.22
the Payment Due Date of 12/04/19, you may have to pay a late fee of up to Payments/Credits -$429.12
$39.00 and your APRs may be increased to the Penalty APR of 29.99%. New Charges +$54.33
Fees +$0.00
Interest Charged +$25.17

Minimum Payment Warning: If you make only the minimum payment each period, New Balance $1,280.60
you will pay more in interest and it will take you longer to pay off your balance. For Minimum Payment Due $39.00
example:
Credit Limit $4,700.00
If you make no additional You will pay off the balance And you will pay an Available Credit $2,900.66
charges and each month you shown on this statement in estimated total of...
Cash Advance Limit $700.00
pay... about...
Available Cash $700.00
Only the Days in Billing Period: 30
7 years $2,938
Minimum Payment Due

$2,087 Customer Care

$39 3 years (Savings = $851)
Pay by Computer
americanexpress.com/pbc
If you would like information about credit counseling services, call 1-888-733-4139.

See page 2 for important information about your account. Customer Care Pay by Phone
1-888-258-3741 1-800-472-9297

See Page 2 for additional information.

Did you know? You can use Plan It to split up large purchases and pay
them off over time for a fixed monthly fee and no interest. Plus, still earn
rewards on Plan It purchase amounts. Terms apply. Visit
americanexpress.com/payitplanit.

Continued on page 3

Please fold on the perforation below, detach and return with your payment

Payment Coupon Pay by Computer Pay by Phone Card Number: 3728-156317-17007

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.

TOM PETERSON Payment Due Date

10333 TRIANON PI 02/01/20
WELLINGTON FL 33449
404-399-7201 New Balance
$1,280.60
Minimum Payment Due
$39.00

Check here if your address or AMERICAN EXPRESS

PO BOX 0001
$ .
Amount Enclosed
phone number has changed.
Note changes on reverse side. LOS ANGELES CA 90096-8000
 PHILIP M KIM Account Ending 1-51008 p. 2/6

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 more information about this balance computation method and
how resulting interest charges are determined. The method we use to figure the ADB and interest results in daily compounding of interest.
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
each month your entire balance (or Adjusted Balance if applicable) 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 $1.00 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 1-888-258-3741 Hearing Impaired

International Collect 1-336-393-1111 TTY: 1-800-221-9950 Website: americanexpress.com
Large Print & Braille Statements 1-888-258-3741 FAX: 1-623-707-4442
Cash Advance at ATMs Inquiries 1-800-CASH-NOW In NY: 1-800-522-1897 Customer Care
& Billing Inquiries Payments
P.O. BOX 981535 PO BOX 0001
EL PASO, TX LOS ANGELES CA
79998-1535 90096-8000

Change of Address
If correct on front, do not use.
Pay Your Bill with AutoPay
To change your address online, visit www.americanexpress.com/updatecontactinfo
For Name, Company Name, and Foreign Address or Phone changes, please call Customer Care. · Avoid late fees
Please print clearly 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

Home Phone
Area Code and
Work Phone For information on how we protect your
privacy and to set your communication
Email and privacy choices, please visit
www.americanexpress.com/privacy.
 Blue Cash Everyday® from American Express p. 3/6

PHILIP M KIM
Closing Date 08/09/19 Account Ending 1-51008

Payments and Credits

Summary

Total
Payments -$519.12
Credits $0.00
Total Payments and Credits -$519.12

Detail *Indicates posting date

Payments Amount
07/21/19* ONLINE PAYMENT - THANK YOU -$356.91
08/07/19* ONLINE PAYMENT - THANK YOU -$162.21

New Charges
Summary
Total
Total New Charges $62.21

Detail
PHILIP M KIM
Card Ending 1-51008
Amount
07/28/19 AMZN MKTP US*MA1ZD6OD0 AMZN.COM/BILL WA $10.49
BOOK STORES
07/28/19 AMAZON.COM*MA5S55FE0 AMZN.COM/BILL WA $30.81
MERCHANDISE
08/05/19 AMZN MKTP US*MA7560P80 AMZN.COM/BILL WA $20.91
BOOK STORES

Fees

Amount

Total Fees for this Period $0.00

Interest Charged

Amount
08/09/19 Interest Charge on Purchases $16.37

Continued on reverse
 PHILIP M KIM Account Ending 1-51008 p. 4/6

Interest Charged Continued

Amount
08/09/19 Interest Charge on Promotional Balances $18.70

Total Interest Charged for this Period $35.07

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 $0.00
Total Interest in 2019 $228.00

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 11/12/2017 25.99% (v) $766.46 $16.37

Cash Advances 11/12/2017 27.24% (v) $0.00 $0.00

Introductory Purchase 11/12/2017 03/10/2019 25.99% (v) $875.41 $18.70

Rate Expired
Total $35.07
(v) Variable Rate
Blue Cash Everyday® from American Express p. 5/6

PHILIP M KIM
Closing Date 08/09/19 Account Ending 1-51008
 PHILIP M KIM Account Ending 1-51008 p. 6/6

LOUDMOUTH GOLF WESTMINSTER TEAK FRACTURE

Golf season is here! Traditional & contemporary Transform your favorite
American Express® Loudmouth Golf offers teak furniture for residential, photos into frameless glass
Cards Warmly brightly colored golf commercial & hospitality. prints.
Welcomed clothes for men and Westminsterteak.com or Visit fractureme.com
women. Shop at 888-592-8325.
loudmouthgolf.com.

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 2 of your statement or the number that is on the back of your Card.