American Express Classic Gold Card p.

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IRSHAD ALI
Closing Date 09/10/19 Account Ending 2-08000

Membership Rewards® Points

New Balance $6,751.10 Available and Pending as of 07/31/19
Includes the past due amount of $4,053.61 9,203
For up to date point balance and full program
Payment Due Date 10/05/19 details, visit membershiprewards.com

Late Payment Warning: If we do not receive your payment by the Payment Account Summary
Due Date of 10/05/19, you may have to pay a late fee of up to $39.00.
Previous Balance $4,053.61
Payments/Credits -$0.00
New Charges +$2,669.49
Fees +$28.00

New Balance $6,751.10

See page 2 for important information about your account.
Days in Billing Period: 30

Your account is past due. Customer Care

Pay by Computer
See page 5 for an Important Notice About Changes to Your americanexpress.com/pbc
Cardmember Agreement.
Customer Care Pay by Phone
1-800-327-2177 1-800-472-9297

Account protection is important to us. Please update your Personal Details See Page 2 for additional information.
so we may contact you about your account if needed.

Visit https://global.americanexpress.com/account-management/ to get

started.

Because your payment was received late, you may have

forfeited Membership Rewards® points. Please visit our
website at www.membershiprewards.com/terms or call
1-800-AXP-EARN (297-3276) for more information or to
reinstate points. There is a $35.00 fee for each month of
points you want to reinstate.

Continued on page 3

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

Payment Coupon Pay by Computer Pay by Phone Account Ending 2-08000

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.

IRSHAD ALI Payment Due Date

3090 QUAIL RIDGE CIR 10/05/19
ROCHESTER HLS MI 48309-2722
Amount Due
$6,751.10

Check here if your address or AMERICAN EXPRESS

phone number has changed. PO BOX 0001
Note changes on reverse side. LOS ANGELES CA 90096-8000
 IRSHAD ALI Account Ending 2-08000 p. 2/8

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 financial 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 for Pay Over Time and/or Cash Advance balances 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: If you have a Pay Over Time and/or Cash Advance balance, your due date is at least 25 days after the close of each billing period. We
will begin charging interest on transactions added to a Pay Over Time balance as of the date they are added. However, we will not charge interest on
charges added to a Pay Over Time balance automatically (for example, Pay Over Time Travel and Pay Over Time Direct) if you pay the Account Total
New Balance by the due date each month. We will, however, charge you interest on cash advances 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 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
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 1-800-327-2177 Hearing Impaired

International Collect 1-336-393-1111 TTY: 1-800-221-9950 Website: americanexpress.com
Large Print & Braille Statements 1-800-327-2177 FAX: 1-623-707-4442
Servicio al Cliente en Espanol 1-800-428-7443 In NY: 1-800-522-1897 Customer Care
Lost or Stolen Card 1-800-992-3404 & Billing Inquiries Payments
Cash Advance at ATMs Inquiries 1-800-CASH-NOW 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.
 American Express Classic Gold Card p. 3/8

IRSHAD ALI
Closing Date 09/10/19 Account Ending 2-08000

New Charges
Summary
Total
IRSHAD ALI 2-08000 $1,975.98
ARSHIA ALI 2-02011 $693.51
Total New Charges $2,669.49

Detail

IRSHAD ALI
Card Ending 2-08000 Foreign
Spend Amount
08/12/19 LYFT *RIDE MON 3AM SAN FRANCISCO CA $63.68
(NONE) 94104
RIDEREQUEST
08/16/19 HOME2 SUITES BY HILTON PASADENA TX $608.40
718-906-1900
08/16/19 LYFT *RIDE FRI 8PM SAN FRANCISCO CA $62.20
(NONE) 94104
RIDEREQUEST
08/17/19 LYFT *RIDE SAT 12PM SAN FRANCISCO CA $67.87
(NONE) 94104
RIDEREQUEST
08/24/19 THE HILTON SANDOWN ZA 16,780.00 $1,113.84
South African
LODGING Rands
09/07/19 LINKEDIN-493*4526884 LNKD.IN/BILL CA $59.99
SUBSCRIPTION
ARSHIA ALI
Card Ending 2-02011 Foreign
Spend Amount
08/18/19 OURCAMPUSMARKET 800-620-3148 MD $173.63
CAMPUSMARKET
08/18/19 EXPERIAN* CREDIT REPORT 479-343-6237 CA $12.95
479-343-6237
08/20/19 PHR*ROCHESTERNEUROLOGICAL ROCHESTER HILLS MI $10.00
248-651-5600
08/20/19 CONCENTRA MEDICAL CTR 4515 ADDISON TX $10.00
111-363-030 75001
MEDICAL SERVICES
08/20/19 WASTE INDUSTRIES - NON-CO 101266510011 DECATUR IL $202.62
VKRISHNAN@FIRSTECH.COM
08/21/19 SUMMIT ORAL & MASILL WARREN MI $66.45
DENTIST/ORTHODONTIST
08/21/19 TIM KAISER STUDIOS INC 0326 TROY MI $20.00
248-619-9119

Continued on reverse
 IRSHAD ALI Account Ending 2-08000 p. 4/8

Detail Continued

Foreign
Spend Amount
08/21/19 TIM KAISER STUDIOS INC 0326 TROY MI $20.00
248-619-9119
08/26/19 USA HOCKEY 0109 COLORADO SPRI CO $51.00
719-576-8787
08/30/19 WALMART.COM 800-966-6546 AR $63.54
RETAIL
08/31/19 WAL-MART SUPERCENTER 2354 2354 ROCHESTER HILLS MI $63.32
DISCOUNT STORE

Fees

Amount
09/05/19 IRSHAD ALI Late Payment Fee $28.00

Total Fees for this Period $28.00

2019 Fees and Interest Totals Year-to-Date

Amount
Total Fees in 2019 $226.00
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 Select 05/23/2012 20.24% (v) $0.00 $0.00

Cash Advances 05/01/2019 27.24% (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.
American Express Classic Gold Card p. 5/8

IRSHAD ALI
Closing Date 09/10/19 Account Ending 2-08000

Notice of Important Changes to Your Cardmember Agreement

We are making changes to your American Express Cardmember Agreement referenced in this
notice. We encourage you to read this notice, share it with Additional Card Members on your
account, and file it for future reference. The detailed changes to your Cardmember Agreement can
be found after the below summary chart.

Summary of Changes, Effective Immediately

Claims We are making changes to the claims resolution sections in your
Resolution Cardmember Agreement. These changes will be reflected on your billing
and Claims statements received on or after September 1, 2019.
Resolution
for Covered
Borrowers
Summary of Changes, Effective November 1, 2019
Words we use in We are updating this sub-section under Introduction in Part 2 of the
the Agreement Cardmember Agreement to define what we mean by person-to-person
transaction when we use this word in your Cardmember Agreement. We
are also updating this sub-section to reflect that a purchase includes a
person-to-person transaction.
Using the card We are updating this sub-section under About using your card in Part 2
of the Cardmember Agreement to reflect that we may allow you to make
person-to-person transactions at our discretion.
Limits on person- We are adding a new sub-section called Limits on person-to-person
to-person transactions under About using your card in Part 2 of the Cardmember
transactions Agreement to explain the limits on person-to-person transactions based on
the Card you have.
ID 12816

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

CMLENGDPRUS0029
 IRSHAD ALI Account Ending 2-08000 p. 6/8

Detail of Changes to Your Cardmember Agreement

This notice amends your American Express Cardmember Agreement ("Agreement") as described
below. Any terms in the Cardmember Agreement conflicting with these changes are completely
replaced. Terms not changed by this notice continue to apply. If you have any questions, please call
the number on the back of your Card.
A. Effective Immediately, the Claims Resolution and Claims Resolution for Covered Borrowers
sections in Part 2 of the Cardmember Agreement 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 and seventh sentence in the Claims
Resolution for Covered Borrowers section are 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 and second, third and
fourth sentences in the Claims Resolution for Covered Borrowers 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.
American Express Classic Gold Card p. 7/8

IRSHAD ALI
Closing Date 09/10/19 Account Ending 2-08000

B. Effective November 1, 2019, your Cardmember Agreement will be amended as follows:

How Your American Express Account Works in Part 2 of the Cardmember Agreement is amended
by deleting the second paragraph in the Words we use in the Agreement sub-section and replacing it
with the following:

Card means any card or other device that we issue to access your Account. A charge is
any amount added to your Account, such as purchases, cash advances, fees and interest
charges. A purchase is a charge for goods, services, or person-to-person transactions. A
cash advance is a charge to get cash or cash equivalents, including travelers cheques, gift
cheques, foreign currency, money orders, casino gaming chips, race track wagers or similar
offline and online betting transactions. A person-to-person transaction is a charge for funds
sent to another person.
About using your card in Part 2 of the Cardmember Agreement is amended by deleting the second
paragraph of the Using the card sub-section and replacing it with the following:

We decide whether to approve a charge, including cash advances subject to Limits on

Cash Advances and person-to-person transactions subject to Limits on person-to-person
transactions below, based on how you spend and pay on this Account and other accounts
you have with us and our Affiliates. We also consider your credit history and your personal
resources that we know about.

About using your card in Part 2 of the Cardmember Agreement is further amended by adding the
following new sub-section called Limits on person-to-person transactions:

Limits on Your person-to-person transactions You agree to manage your Account

person- may not exceed the following limits so that the total of your person-to-
to-person within any 30-day period: person transactions in any 30-day
transactions period do not exceed the limit on
®
One from American Express person-to-person transactions.
$2,000
® We may not approve a person-to-
Zync Card $2,000 person transaction if it would cause
Green Card $2,000 your Account to exceed the applicable
Gold Card $2,000 person-to-person transaction limit.
®
Platinum Card $4,000
®
Centurion Card $5,000
IRSHAD ALI Account Ending 2-08000 p. 8/8