p. 1/7

Membership Rewards PointsAvailable and Pending as of 12/31/14

14,000For up to date point balance and full programdetails, visit membershiprewards.com

Closing Date 01/27/15 Next Closing Date 02/24/15 Account Ending 9-49004WEE-TENG SOH

Available Cash

32

Cash Advance Limit

Available CreditCredit Limit

Minimum Payment Due

Days in Billing Period:

Previous BalancePayments/CreditsNew ChargesFeesInterest Charged

New Balance

$0.00$200.00

$0.00$2,600.00

$55.00$2,616.05

+$28.93+$0.00

+$89.00-$117.00

$2,615.12

Account Summary

Customer Care

Pay by Computeramericanexpress.com/pbc

Customer Care1-888-258-3741

Pay by Phone1-800-472-9297

See Page 2 for additional information

$2,616.05$55.00Minimum Payment Due

New Balance

Payment Due Date 02/21/15

Late Payment Warning: If we do not receive your Minimum Payment Due bythe Payment Due Date listed above, you may have to pay a late fee of up to$38.00 and your Purchase APR may be increased to the Penalty APR of 27.24%.

Minimum Payment Warning: If you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay off your balance. Forexample:

If you make no additionalcharges and each month youpay...

You will pay off the balanceshown on this statement inabout...

And you will pay anestimated total of...

Only theMinimum Payment Due 10 years $4,568

$87 3 years$3,143

(Savings = $1,425)

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

New Balance$2,616.05

Blue for Students

AutoPay Amount$55.00

Enter account number on all documents.Make check payable to American Express.

Account Ending 9-49004Payment CouponDo not staple or use paper clips

Pay by Computeramericanexpress.com/pbc

Pay by Phone1-800-472-9297

CHAPEL HILL NC 275145 HAMILTON ROADGLENN LENNOXWEE-TENG SOH

DALLAS TX 75265-0448P.O. BOX 650448AMERICAN EXPRESS

phone number has changed.Note changes on reverse side.

Check here if your address or$

Amount Enclosed

Payment Due Date02/21/15

See page 2 for important information about your account.

Your account is overlimit as of the closing date of this statement. If youwould like to receive email alerts about payments, spending or fraudprotection, you can sign up at americanexpress.com/alerts.

Continued on Page 3

Change of AddressIf correct on front, do not use.

Street Address

City, State

Zip Code

Area Code andHome Phone

Area Code andWork Phone

Email

To change your address online, visit www.americanexpress.com/updatecontactinfoFor Name, Company Name, and Foreign Address or Phone changes, please call Customer Care.Please print clearly in blue or black ink only in the boxes provided.

For information on how we protect yourprivacy and to set your communicationand privacy choices, please visitwww.americanexpress.com/privacy.

p. 2/7

Avoid late fees Save time

Deduct your payment from your bankaccount automatically each month

Visit americanexpress.com/autopaytoday to enroll.

Pay Your Bill with AutoPay

Customer Care & Billing Inquiries

InternationalCollectLarge Print & Braille Statements

Cash Advance at ATMs Inquiries

1-888-BLUE-7411-888-258-37411-336-393-11111-888-BLUE-7411-888-258-37411-800-CASH-NOW

HearingImpairedTTY: 1-800-221-9950FAX: 1-800-695-9090In NY: 1-800-522-1897

Website: americanexpress.comMobile Site: amexmobile.com

Customer Care& Billing InquiriesP.O. BOX 981535EL PASO, TX79998-1535

Account Ending 9-49004WEE-TENG SOH

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 tobe 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 anegotiable instrument payable in US dollars and clearable through the US banking system; and (3) include your Account number. If your payment doesnot meet all of the above requirements, crediting may be delayed and you may incur late payment fees and additional interest charges. Electronicpayments must be made through an electronic payment method payable in US dollars and clearable through the US banking system. If we acceptpayment 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 onus 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 fromyour deposit or other asset account. We will process checks electronically by transmitting the amount of the check, routing number, account numberand check serial number to your financial institution, unless the check is not processable electronically or a less costly process is available. When weprocess your check electronically, your payment may be withdrawn from your deposit or other asset account as soon as the same day we receive yourcheck, and you will not receive that cancelled check with your deposit or other asset account statement. If we cannot collect the funds electronicallywe 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 otherelectronic payment service of ours, you give us permission to electronically withdraw funds from the deposit or other asset account you specify in theamount 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 wecharge interest on your Account. Call the Customer Care number listed below for more information about this balance computation method and howresulting interest charges are determined. The method we use to figure the ADB and interest results in dailycompoundingof 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 theNew Balance by the due date each month. We will charge you interest on cash advances and (unless otherwise disclosed) balance transfers beginningon 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 2.7% of the converted US dollar amount. We will choose a conversion rate that is acceptable to us for that date, unless aparticular 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 highestinterbank rate we identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect onthe date of your charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishmentsuse.

Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. If within the six-month period following thedate 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 acheck 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 yourAccount may be reflected in your credit report.

PaymentsP.O. BOX 650448DALLAS TX75265-0448

p. 3/7Blue for StudentsBlue for Students

Closing Date 01/27/15 Account Ending 9-49004WEE-TENG SOH

We will debit your bank account for your payment of $55.00 on 02/21/15.This date may not be the same date your bank will debit your bankaccount. Any inquiry to American Express concerning this debit shouldbe made by 02/19/15. If your AutoPay payment is less than yourMinimum Payment Due, we must receive an additional payment for atleast the difference by 02/21/15.

Summary

Total

Payments and Credits

-$117.00Payments

$0.00Credits

-$117.00Total Payments and Credits

Detail *Indicates posting date

Payments Amount

01/20/15* -$52.00AUTOPAY PAYMENT RECEIVED - THANK YOUWELLS FARGO BANK, NA

01/20/15* -$65.00ONLINE PAYMENT - THANK YOU

Summary

Total

New Charges

$89.00Total New Charges

Detail

Amount

Card Ending 9-49004WEE-TENG SOH

01/21/15 $89.00PAYPAL *RETREATPLAC 35314369001HTTP://WWW.PAYPAL.COM

Fees

Amount

$0.00Total Fees for this Period

Continued on reverse

p. 4/7Account Ending 9-49004WEE-TENG SOH

Amount

Interest Charged

01/27/15 $28.93Interest Charge on Purchases

Total Interest Charged for this Period

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 "trailinginterest." Trailing interest is the interest charged when, for example, you didn't pay your previous balance in full. When that happens we chargeinterest from the first day of the billing period until we receive your payment in full. You can avoid paying interest on purchases by paying yourbalance in full and on time each month. Please see the "When we charge interest" sub-section in your Cardmember Agreement for details.

$28.93

$28.93

$0.00

Amount

Total Interest in 2015

Total Fees in 2015

2015 Fees and Interest Totals Year-to-Date

Transactions Dated

ToFrom

Your Annual Percentage Rate (APR) is the annual interest rate on your account.

Interest Charge Calculation

InterestCharge

AnnualPercentage

Rate

BalanceSubject to

Interest Rate

Purchases 14.99% (v) $945.4205/01/2014 $12.43

Purchases 11.24% (v) $1,673.9204/30/201409/01/2001 $16.50

Cash Advances 25.24% (v) $0.0009/01/2001 $0.00

Total $28.93(v) Variable Rate

p. 5/7Membership RewardsMonthly Statement and Program News

membershiprewards.com

1-800-AXP-EARN(297-3276)InternationalCollect: 305-816-2799

Questions About Your Account?

Did You Know?

Use Points For Your ChargesUse your Card for charges like travel, dining,groceries, and more, then go online and use thepoints you earned toward your eligible charges.

Learn more atmembershiprewards.com/yourcharges

Points Earned this Period are pendinguntil charges are paid in full and all youraccounts are in good standing.

14,000

Points Earned this Period 183

Total Points Balance

1M60306091WEE-TENG SOH Account NumberPrepared for

Points Earned this Period

Account Summary

+183

Reinstated Points and Adjustments

Total Points Balance

Opening Points Balance

Points Used this Period

14,000

0

13,817

December 1, 2014 - December 31, 2014

0

December 1, 2014 - December 31, 2014Points Transaction Detail

Points Earned this Period Points Activity OnEligible Charges

Bonus PointsAwarded

Total PointsActivity Per Card

1830183XXXX-XXXXX9-49004Blue

Total 183 0 183

Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred orredeemed cannot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below or visitingmembershiprewards.com. Terms and Conditions of the Membership Rewards Express program apply. For more information, visitmembershiprewards.com/termsor call 1-800-AXP-EARN (297-3276). From overseas, call collect 305-816-2799.

p. 6/7

1M60306091

WEE-TENG SOHMembership Rewards Account Number

Prepared for

Membership Rewards Account NumberWEE-TENG SOH

1M60306091

Prepared for

p. 7/7Blue for Students

Closing Date 01/27/15 Account Ending 9-49004WEE-TENG SOH

Offers are made only to Cardmembers who meet certain qualifying criteria. Byresponding you will be disclosing to the merchant that you meet these criteria.