American Express® Gold Card p.

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DANIELA CIRCONCISO Customer Care: 1-800-327-2177

Closing Date 04/25/23 TTY: Use Relay 711
Account Ending 2-51002 Website: americanexpress.com

Membership Rewards® Points

New Balance $655.55 Available and Pending as of 03/31/23
Minimum Payment Due $40.00 123,753
For more details about Rewards, please
visit americanexpress.com/rewardsinfo
Payment Due Date 05/20/23 Account Summary

Late Payment Warning: If we do not receive your Minimum Payment Due by Pay In Full
the Payment Due Date of 05/20/23, you may have to pay a late fee of up to Previous Balance $0.00
$40.00 and your Pay Over Time APR may be increased to the Penalty APR of Payments/Credits -$0.00
29.99%. New Charges +$0.00
Fees +$0.00
New Balance = $0.00
Pay Over Time and/or Cash Advance
Previous Balance $1,869.26
Minimum Payment Warning: If you have a Pay Over Time and/or Cash Advance Payments/Credits -$1,592.19
balance and you make only the minimum payment each period, you will pay more in New Pay Over Time Charges +$376.93
interest and it will take you longer to pay off your balance. For example: New Cash Advances +$0.00
Fees +$0.00
If you make no additional You will pay off the balance And you will pay an Interest Charged +$1.55
charges and each month shown on this statement in estimated total of... New Balance = $655.55
you pay... about... Minimum Due $40.00
Only the Account Total
Minimum Payment Due 19 months $734
Previous Balance $1,869.26
Payments/Credits -$1,592.19
If you would like information about credit counseling services, call 1-888-733-4139. New Charges +$376.93
New Cash Advances +$0.00
See page 2 for important information about your account. Fees +$0.00
Interest Charged +$1.55
Please refer to the IMPORTANT NOTICES section for any changes to New Balance $655.55
your Account terms and any other communications on Minimum Payment Due $40.00
pages 7 - 8.
Pay Over Time Limit $15,000.00
We will debit your bank account for your payment of $40.00 on Available Pay Over Time Limit $14,344.45
05/14/23. 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 05/12/23. If your AutoPay payment is less than
your Minimum Payment Due, we must receive an additional payment
for at least the difference by 05/20/23.

Continued on page 3

Payment Coupon Pay by Computer Pay by Phone Account Ending 2-51002

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.

DANIELA CIRCONCISO Payment Due Date

1648 ADAMS ST 05/20/23
HOLLYWOOD FL 33020-6113
New Balance
$655.55
AutoPay Amount
$40.00

See reverse side for instructions AMERICAN EXPRESS

PO BOX 6031
$ .
Amount Enclosed
on how to update your address,
phone number, or email. CAROL STREAM IL 60197-6031
 DANIELA CIRCONCISO Account Ending 2-51002 p. 2/8

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

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® Gold Card p. 3/8

DANIELA CIRCONCISO
Closing Date 04/25/23 Account Ending 2-51002

Customer Care & Billing Inquiries 1-800-327-2177

International Collect 1-336-393-1111 Website: americanexpress.com
Lost or Stolen Card 1-800-992-3404
Cash Advance at ATMs Inquiries 1-800-CASH-NOW Customer Care Payments
Large Print & Braille Statements 1-800-327-2177 & Billing Inquiries PO BOX 6031
P.O. BOX 981535 CAROL STREAM IL
EL PASO, TX 60197-6031
79998-1535
Hearing Impaired
Online chat at americanexpress.com or use Relay dial 711 and 1-800-327-2177

For more information on your Pay Over Time Limit and your purchasing
options, please see page 4

Payments and Credits

Summary
Pay Over Time /
Pay In Full Cash Advance Total
Payments $0.00 -$1,500.00 -$1,500.00
Credits $0.00 -$92.19 -$92.19
Total Payments and Credits $0.00 -$1,592.19 -$1,592.19

Detail *Indicates posting date - denotes Pay Over Time and/or Cash Advance activity

Payments Amount
03/31/23* ONLINE PAYMENT - THANK YOU -$1,000.00
04/17/23* ONLINE PAYMENT - THANK YOU -$500.00
Credits Amount
04/24/23 AMAZON MARKETPLACE NA PA -$42.74
AMZN.COM/BILL WA
BOOK STORES
04/25/23 AMAZON MARKETPLACE NA PA -$49.45
AMZN.COM/BILL WA
BOOK STORES

New Charges
Summary
Pay In Full Pay Over Time Total
Total New Charges $0.00 $376.93 $376.93

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

DANIELA CIRCONCISO
Card Ending 2-51002
Amount
04/02/23 Amazon Prime Amazon.com WA $139.00
SHIPPINGCLUB
04/13/23 AMAZON MARKETPLACE NA PA AMZN.COM/BILL WA $182.67
BOOK STORES
04/19/23 X+ XPONE* TRIAL OVER IRVINE CA $5.00
+19493463000
04/21/23 PARKING (VERRUS) 0971 FORT LAUDERDA FL $3.27
954-828-5150

Continued on reverse
 DANIELA CIRCONCISO Account Ending 2-51002 p. 4/8

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

Amount
04/23/23 TST* THE GREEK JOINT KITC 00069189 HOLLYWOOD FL $46.99
RESTAURANT

Fees

Amount

Total Fees for this Period $0.00

Interest Charged

Amount
04/25/23 Interest Charge on Pay Over Time Purchases $1.55

Total Interest Charged for this Period $1.55

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 (or if you have a Plan balance, by paying your Adjusted Balance on your billing statement) by
the due date each month. Please see the "When we charge interest" sub-section in your Cardmember Agreement for details.

2023 Fees and Interest Totals Year-to-Date

Amount
Total Fees in 2023 $0.00
Total Interest in 2023 $1.55

Interest Charge Calculation Days in Billing Period: 30

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 08/16/2021 23.74% (v) $0.00 $0.00

Promotional Pay Over Time 03/05/2023 3.99% $474.46 $1.55

Rate Expires 09/25/2023 then will go to 23.74% (v)

Cash Advances 08/16/2021 29.99% (v) $0.00 $0.00

Total $1.55
(v) Variable Rate

Information on Pay Over Time and Purchasing Options

Your Card has no preset spending limit

No preset spending limit means your spending limit is flexible. In fact, unlike a traditional credit card with a set limit, the amount you
can spend adapts based on factors such as your purchase, payment, and credit history. If you're ever unsure if a large purchase will be
approved, you can use the Check Spending Power tool in your online account or mobile app. Please note that in a small number of
cases, we may assign a specific spending limit to a Card Member's account due to a variety of factors such as the Card Member's credit
score, past due payments with us or other creditors, or high balances on revolving credit accounts.

Continued on next page

 American Express® Gold Card p. 5/8

DANIELA CIRCONCISO
Closing Date 04/25/23 Account Ending 2-51002

Information on Pay Over Time and Purchasing Options continued

Pay Over Time Limit: $15,000.00

The total of your Pay Over Time and/or Cash Advance balance and Plan balance cannot exceed your Pay Over Time Limit. No charge
will be added to a Pay Over Time balance if it would cause the total of your Pay Over Time, Cash Advance, and Plan balances to go over
your Pay Over Time Limit. This is not a spend limit. We may approve or decline a charge regardless of whether your Card account
balance exceeds or does not exceed your Pay Over Time Limit.

Available Pay Over Time Limit

Your Available Pay Over Time Limit is accurate as of your statement date. This Limit is the remaining amount that you can add to the
total of your Pay Over Time, Cash Advance, and/or Plan balances. Remember that you can continue to create plans for purchases that
are currently in your Pay Over Time balance even if you have reached your Pay Over Time Limit. Your total Cash Advance balance is
subject to your Cash Advance Limit, which you can find in your Cardmember Agreement. If you have a preset spending limit on your
account that is less than your Pay Over Time Limit, you may not be able use your Available Pay Over Time Limit.
DANIELA CIRCONCISO Account Ending 2-51002 p. 6/8
 p. 7/8
DANIELA CIRCONCISO Closing Date 04/25/23 Account Ending 2-51002
IMPORTANT NOTICES

Notice of Important Changes to Your Cardmember Agreement

We are making changes to your American Express Cardmember Agreement (Agreement) for the account
referenced with 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 Agreement can be found after the below
summary chart.

Summary of Changes, Effective Immediately

When we charge We are clarifying when we will not charge interest on your Pay Over Time Balance.
interest
ID 13390

Detail of Changes to Your Cardmember Agreement

This notice amends your Agreement as described below. Any terms and conditions in the Agreement conflicting
with these changes are completely replaced. Terms and conditions not changed by this notice continue to apply. If
you have any questions, please call the number on the back of your Card.

Effective immediately, we are replacing the first bullet in the When we charge interest subsection in Part 2 of 2 of
your Cardmember Agreement with the following:

your Pay Over Time Previous Balance for the billing period is zero; or

CMLENGDPRUS0240

Important Notices continued on next page.

 p. 8/8
DANIELA CIRCONCISO Closing Date 04/25/23 Account Ending 2-51002
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.

Your Cardmember Agreement

To access the most up to date version of your Cardmember Agreement, please log in to your Account at
www.americanexpress.com.

End of Important Notices.

 American Express® Gold Card

DANIELA CIRCONCISO
Closing Date 04/25/23 Account Ending 2-51002

American Express® High Yield Savings Account

No monthly fees. No minimum opening monthly deposit. 24/7 customer support. FDIC insured. Meet
your savings goals faster with an American Express High Yield Savings Account. Terms apply. Learn
more by visiting americanexpress.com/savenow

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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.