

AMERICAN       Blue Cash® from American Express                                                                  p. 1/7
  EXPRESS
               JOSEPH PAULSON                                                                  Customer Care:    1-888-258-3741
                                                                                               TTY:               Use      711
               Closing Date 09/27/23                                                                                  Relay
               Account         7-73045                                                         Website:     americanexpress.com
                        Ending                              ~            ~

                                                                                     Reward Dollars
      New Balance                                            $10,269.65
                                                                                     as of 08/29/2023

      Minimum Payment Due                                        $205.39                                          1,087.93
                                                                                        For more details about Rewards, visit
                                                                                        americanexpress.com/cashbackrewards

      Payment Due Date                                          10/22/23
                                                                                   Account Summary

                                                                                     Previous Balance               $6,583.67
      Late Payment Warning: If we do not receive your Minimum Payment Due by
      the Payment Due Date of 10/22/23, you may have to pay a late fee of up to      Payments/Credits              -$6,583.67
      $40.00 and your APRs may be increased to the Penalty APR of 29.99%.            New Charges                  +$10,269.65
                                                                                     Fees                             +$0.00

                                                                                     Interest Charged                 +$0.00

                                                                                     New Balance
    Minimum Payment Warning: If you have a Non-Plan Balance and make only the                                     $10,269.65
                                                                                     Minimum           Due           $205.39
    minimum payment each period, you will pay more in interest and it will take you longer    Payment
    to pay off your Non-Plan Balance. For example:
                                                                                     Credit Limit                  $26,400.00
    If you make no additional You will pay off the balance And you will pay an       Available Credit              $16,130.35
    charges and each month     shown on this statement in estimated total of...
                                                                                     Cash Advance Limit             $4,600.00
    you pay...                 about...
                                                                                     Available Cash                 $4,600.00

            Only the
                                        22 years                   $29,830
      Minimum Payment Due

                                                                   $14,640
              $407                      3 years                       =
                                                              (Savings $15,190)

    If you would like information about credit counseling services, call 1-888-733-4139.

       See page 2 for important information about your account.
  [+]

   >    Please refer to the IMPORTANT NOTICES section on
        page 7.

                                                               Continued on page 3

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

     ps Payment Coupon                     Pay by Computer                Pay by Phone               Account Ending 7-73045
     I Do not       or use                                            C 1-800-472-9297
               staple     paper clips      americanexpress.com/pbc
                                                                                          Enter 15 digit account # on all payments.
                                                                                          Make check payable to American Express.

                    JOSEPH      PAULSON                                                                     Payment Due Date
                    3742 CLOUD SPGS RD                                                                             10/22/23
                    #403-1045
                                                                                                                 New Balance
                    DALLAS TX 75219-4136
                                                                                                                $10,269.65

                                                                                                        Minimum Payment Due
                                                                                                                     205.39

         See reverse side for instructions        AMERICAN EXPRESS                                                     e
                                                  PO BOX 6031                                                Amount Enclosed
         on how to update your address,
                                                  CAROL STREAM IL 60197-6031
         phone number, or email.

                                                  Wall dbollllllllatloodladll

         00003499916e2708152             0010269650000280539           a4   d
<<<

   JOSEPH PAULSON
                                                           Account Ending 7-73045                                               p. 2/7

 Payments: Your payment must be sent to the payment address shown on      represents money owed to you. If within the six-month period following
your statement and must be received by 5 p.m. local time at that address to the date of the first statement indicating the credit balance you do not
 be credited as of the day it is received. Payments we receive after 5 p.m. will request a refund or charge enough to use up the credit balance, we will
 not be credited to your Account until the next day. Payments must also: (1) send you a check for the credit balance within 30 days if the amount is
 include the remittance coupon from your statement; (2) be made with a    $1.00 or more.
 single check drawn on a US bank and payable in US dollars, or with a     Credit Reporting: We may report information about your Account to credit
 negotiable instrument payable in US dollars and clearable through the US bureaus. Late payments, missed payments, or other defaults on your
 banking system; and (3) include your Account number. If your payment     Account may be reflected in your credit report.
 does not meet all of the above requirements, crediting may be delayed and What To Do If You Think You Find A Mistake On Your Statement
you may incur late payment fees and additional interest charges. Electronic If you think there is an error on your statement, write to us at:
 payments must be made through an electronic payment method payable       American Express, PO Box 981535, El Paso TX 79998-1535
 in US dollars and clearable through the US banking system. Please do not You may also contact us on the Web: www.americanexpress.com
 send post-dated checks as they will be deposited upon receipt. Any       In your letter, give us the following information:
 restrictive language on a payment we accept will have no effect on us    - Account information: Your name and account number.
without our express prior written approval. We will re-present to your    - Dollar amount: The dollar amount of the suspected error.
                                                                          -                        If
financial institution any payment that is returned unpaid.                 Description of Problem: 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 deposit or other asset account statement. If we cannot collect the delinquent on that amount.
funds 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 on your Account. Call the Customer Care number on page 3 with your credit card, and you have tried in good faith to correct the
for more information about this balance computation method and how        problem with the merchant, you may have the right not to pay the
 resulting interest charges are determined. The method we use to figure the remaining amount due on the purchase.
ADB and interest results in daily compounding of interest.                To use this right, all of the following must be true:
 Paying Interest: Your due date is at least 25 days after the close of each 1. The purchase must have been made in your home state or within 100
 billing period. We will not charge you interest on your purchases if you pay miles of your current mailing address, and the purchase price must have
 each month your entire balance (or Adjusted Balance if applicable) by the been more than $50. (Note: Neither of these is necessary if your purchase
 due date each month. We will charge you interest on cash advances and    was based on an advertisement we mailed to you, or if we own the
 (unless otherwise disclosed) balance transfers beginning on the transaction company that sold you the goods or services.)
 date.                                                                    2. You must have used your credit card for the purchase. Purchases made
 Foreign Currency Charges: If you make a Charge in a foreign currency, we with cash advances from an ATM or with a check that accesses your credit
will convert it into US dollars on the date we or our agents process it. We card account do not qualify.
will charge a fee of 2.70% of the converted US dollar amount. We will     3. You must not yet have fully paid for the purchase.
 choose a conversion rate that is acceptable to us for that date, unless a If all of the criteria above are met and you are still dissatisfied with the
 particular rate is required by law. The conversion rate we use is no more purchase, contact us in writing or electronically at:
than the highest official rate published by a government agency or the    American Express, PO Box 981535, El Paso TX 79998-1535
 highest interbank rate we identify from customary banking sources on the www.americanexpress.com
 conversion date or the prior business day. This rate may differ from rates in While we investigate, the same rules apply to the disputed amount as
 effect on the date of your charge. Charges converted by establishments   discussed above. After we finish our investigation, we will tell you our
 (such as airlines) will be billed at the rates such establishments use. decision. At that point, if we think you owe an amount and you do not pay
 Credit Balance: A credit balance (designated CR) shown on this statement we may report you as delinquent.

                                                                                                           Your Bill with
                                                                                                     Pay                     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    Blue Cash® from American Express                                                           p. 3/7
  EXPRESS
            JOSEPH PAULSON

            Closing Date 09/27/23                                                          Account Ending 7-73045

         Customer Care & Billing Inquiries                1-888-258-3741
     C     International Collect                          1-336-393-1111
                                                                                 =]    Website: americanexpress.com
           Cash Advance at ATMs Inquiries                 1-800-CASH-NOW
                                                                                  Customer Care     Payments
           Large Print & Braille Statements               1-888-258-3741
                                                                                  & 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 1-888-258-3741

                              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.

                                                                                                            Total

   Payments                                                                                             -$6,583.67

   Credits                                                                                                  $0.00

  Total Payments and Credits                                                                           -$6,583.67

   Payments                                                                                              Amount

   09/22/23* MOBILE PAYMENT - THANK YOU                                                                 -$6,583.67

                                                                                                            Total

  Total New Charges                                                                                    $10,269.65

         JOSEPH PAULSON
  an     Card Ending 7-73045

                                                                                                         Amount

   08/30/23   SAFEWAY                                   CUPERTINO              CA                          $23.11
             800-898-4027

   09/01/23   BANANA LEAF 650000012619980                MILPITAS              CA                         $144.16
             4087199811

   09/01/23   BT*LINODE*AKAMAI                          CAMBRIDGE              MA                        $6,107.06
             6093807100

   09/01/23 GOOGLE*GSUITE_SOCIALANIMAL.IO                MOUNTAIN VIEW         CA                          $20.44
             ADVERTISING SERVICE

   09/02/23 Amazon Web Services                         AWS.Amazon.com         WA                         $333.88
             WEB SERVICES

   09/03/23   SAFEWAY                                   CUPERTINO              CA                          $11.18
             800-898-4027

   09/09/23 TST* BIKANER SWEET 00053687                  SUNNYVALE             CA                          $21.81
              RESTAURANT

                                                                                                Continued on reverse
<<<

  JOSEPH PAULSON
                                                    Account Ending 7-73045                                       p.4/7

                                                                                                                    Amount

09/10/23    CVS PHARMACY                                     CUPERTINO                 CA                              $2.34
            8007467287

09/13/23    APPLE.COM/BILL                                   INTERNET CHARGE           CA                              $2.99
            RECORD STORE

09/13/23    SAFEWAY                                          CUPERTINO                 CA                             $26.73
            800-898-4027

09/14/23    MCDONALD'S                                       CUPERTINO                 CA                              $3.26
            6509404200

09/14/23    PANERA BREAD #204476                             CAMPBELL                  CA                             $23.38

            975313007 95008

09/14/23    MANLEY DONUTS 00-08040662747                     CUPERTINO                 CA                             $21.15
            BAKERY

09/15/23    Ap|Pay 6631309 - PEETS B TMP 53033               OKALAND                   CA                              $4.27
            RESTAURANT

09/16/23    VEGAS.COM                                        LAS VEGAS                 NV                            $761.58
            18669983427

09/16/23    Ap|Pay PANDA EXPRESS                             LAS VEGAS                 NV                             $12.08
            FAST FOOD RESTAURANT

09/17/23    Ap|IPay LUX_STARBUCKS_ATRIUM                     LAS VEGAS                 NV                             $23.68
            11980066 89109
            RESTAURANT

09/18/23    SPK*SPOKEO ENTPRS                                888-858-0803              CA                            $119.95

            888-858-0803

09/24/23    SIXT USA POS                                     FORT LAUDERDALE           FL                          $2,537.90
            AUTOMOBILE RENTAL
            Sixt9497938611
            30826E5JF4ZIIBIHSB

09/24/23    LUCKY #773.SANTA CLARACA 0000000009925           SANTA CLARA               CA                             $35.17
            4082475200

09/24/23    MILAN SWEET CENTER 0000                          MILPITAS                  CA                             $27.03
            408-946-2525

09/25/23    ApIPay MANLEY DONUTS 00-08040662747              CUPERTINO                 CA                              $6.50

            BAKERY

                                                                                                                    Amount

Total Fees for this Period                                                                                            $0.00

                                                                                                                    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 (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.

                                                                                                         Continued on next page
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AMERICAN      Blue Cash® from American Express                                                                     p.5/7
  EXPRESS
              JOSEPH PAULSON

              Closing Date 09/27/23                                                                   Account Ending 7-73045

                                                                                                                      Amount

    Total Fees in 2023                                                                                                   $0.00

    Total Interest in 2023                                                                                               $0.00

     Your Annual Percentage Rate (APR) is the annual interest rate on your account.
     Variable APRs will not exceed 29.99%.
                                                Transactions Dated          Annual               Balance              Interest
                                                                        Percentage             Subject to              Charge
                                                From        To                Rate           Interest Rate

    Purchases                                 02/26/2011                  24.49% (v)                $0.00                $0.00

    Cash Advances                             02/26/2011                  29.99% (v)                $0.00                $0.00

    Total                                                                                                               $0.00

    (v) Variable Rate
<<<

JOSEPH PAULSON
                                        Account Ending 7-73045                           p. 6/7
<<<

AMERICAN                                                                                            7/7
 EXPRESS   JOSEPH PAULSON                              Closing Date 09/27/23            Account Ending 7-73045

  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.
<<<