The American Express Rewards Card Statement of Account

Prepared for Membership Number

www.americanexpress.com.sg Customer Services 1800 296 0220

Page 1 of 2
Date

GEORGES KHANASHAT
Opening Balance S$ New Credits S$

3762-170278-91007
New Debits S$

December 25, 2011

Minimum Payment S$

Closing Balance S$

American Express Intl Inc Crawford Road P.O. Box 883 Singapore 911913 Tax Invoice GST Registration No M2-0008818-2

29.95

29.95

50.00

50.00

50.00
Due Date January 15, 2012

Statement includes payments and charges received by December 25, 2011

Please settle this statement promptly. If the minimum payment is not received by the due date, a late payment charge of S$50 will be levied. If payment of the closing balance in your statement is not made in full, a finance charge at the applicable rate of interest shown on this page will be assessed from each transaction date on all charges in the statement and all new charges posted after the statement date.

PLEASE PAY BY PAYMENT DUE DATE YOUR MINIMUM PAYMENT OF S$ 50.00.

Statement Period Credit Summary

at December 25, 2011

From November 27 to December 25, 2011

Credit Limit S$
10,000.00

Available Credit Limit S$

9,950.00 Current Rate 23.99% 23.99% 23.99% Outstanding Bal S$ 50.00 0.00 0.00
Foreign Spending Amount S$

Interest Rates

Annual Rate Goods & Services Annual Rate Cash Transactions Annual Rate Balance Transfer

Details

November 28

PAYMENT BY TELEPHONE/INTERNET BANKING

29.95

CR

Total of new transactions for GEORGES KHANASHAT OTHER ACCOUNT TRANSACTIONS

December 25 December 25
CREDIT CARD ANNUAL FEE GST

0.00

46.73 3.27 50.00

Total of other account transactions

..........
Membership Number

PAYMENT ADVICE

3762-170278-91007
Minimum Payment S$ 50.00 Due by January 15, 2012
Enter amount enclosed S$

Please return this portion with your payment.

GEORGES KHANASHAT 144 LORONG 2 TOA PAYOH #03-198 SINGAPORE 310144

Please make crossed cheque payable to:-

AMERICAN EXPRESS INT'L INC CRAWFORD RD, P.O. BOX 883 SINGAPORE 911913
Please do not write "non-transferable" or "only" after payee name on cheque payments.

Statement of Account
Prepared for Membership Number

Page 2 of 2
Date

GEORGES KHANASHAT

3762-170278-91007

December 25, 2011

Membership Rewards Statement

Previous Points Balance Points Earned Bonus Points

Account Summary from 19/ 11 / 2011 to 18/12/2011

Points Adjustments Points Redeemed

New Points Balance

424
Points Earned
Card Type

30

0
Card Number

454
No. of Points

Rewards Card

376217027891007

30

Total Points Earned

30

So far you've earned 0 bonus points at your favourite 5 places. Just continue to visit them and we will continue to reward you for being you. You've spent $112.40 on your American Express Rewards Card this year. Spend $5,000 by 31 December 2011 and earn 50% bonus points on your American Express Rewards Card spend from the very first dollar.

Cardmember Offers and Information

American Express Currency Exchange
Receive the following free gift(s) with any foreign exchange transaction worth: S$500: Shoe Bag; S$1,000: Shoe Bag & Travel Luggage Lock; S$1,500: Shoe Bag, Travel Luggage Lock & Travel Adaptor. For American Express Cardmembers, exchange at S$300, S$800 or S$1,300 respectively to enjoy the above offers. www.americanexpress.com/sg/foreignexchange CityLink Mall #B1-06, Holland Village MRT #B1-04, Tang Plaza & 313@somerset #01-31

IMPORTANT PAYMENT TERMS & CONDITIONS

Kindly note that the Credit Limit of your card account should not be exceeded. American Express may in exceptional circumstances, permit your total outstanding balance to exceed the Credit Limit to avoid your transaction(s) being rejected. Should this situation occur, you are kindly advised to make full payment of the excess amount above your Credit Limit in your next month's statement. If you do not wish your total outstanding balance to exceed the Credit Limit of your card account, please call our Customer Services Hotline number which can be found on page 1 of the statement and our customer service officers will gladly assist you.

INFORMATION ABOUT THE AMERICAN EXPRESS CARD

Important Information: Please call us immediately if there are errors on
your statement, or if you suspect a fraudulent charge. Foreign Currency Charges: All foreign currency Charges have been converted into Singapore Dollars on the date we processed the Charge. Non-U.S. Dollar Charges have been converted through U.S. Dollars, by converting the Charge amount into U.S. Dollars and then by converting that U.S. Dollar amount into Singapore Dollars. U.S. Dollar Charges have been converted directly into Singapore Dollars. As agreed, unless a specific rate was required by law, the American Express treasury system has used conversion rates based on interbank rates (selected from customary industry sources) from the business day prior to the processing date, increased by a single conversion commission of 2.5%. Any Charges converted by third parties prior to being submitted to us have been at rates selected by them. Online Services: Log on to americanexpress.com.sg/myaccount to check your Card Account details or information on Membership Rewards. Payment Method: Your payments must be made in Singapore currency via the following channels. You will be charged for conversion costs incurred, if any. Please do not send cash through the mail:- (1) Interbank GIRO, (2) Cheque Payment- Please cross your cheque and make it payable to "American Express International Inc.". Kindly indicate your Card membership number and name on the back of the cheque. Simply mail your cheque and detached payment advice in the return envelope supplied, (3) Online Payment via vPost, DBS, OCBC and UOB, (4) Electronic Payment via SAM. Payment in person- Please present your statement when making cash or cheque payments at the following locations:- (i) Singapore Post, (ii) Foreign Exchange Services at Tang Plaza and Changi Airport, (iii) For payments in Brunei Darussalam, please call our customer service hotline at 1800-6868. Credit Card Interest Rate Policy: This is American Express' policy about how we adjust credit card interest rates based on your payment history. Under this policy, you need to make a minimum of 3% of the outstanding balance reflected on your statement, or S$50, whichever is higher. If we do not receive the minimum payment amount from you by the payment due date, you will be in default. If you have 3 or more defaults and/or one default which remains unpaid for two or more consecutive months in the last 12 months, we may adjust the interest rate applicable to your card account from 23.99% to 29.99%. This higher interest rate will be in effect for 12 consecutive months. During this period, if you maintain a good credit record, your interest rate will be reinstated to 23.99%. We will notify you in advance of any changes in your interest rate and the new rate will be shown on page 1 in your statement under "Pending Rate". Limited Liability on Lost/Stolen Cards: As soon as you notify us of the loss of your American Express Card, you will not be liable for any unauthorized charges thereafter. Even before notification, your liability is limited to a maximum of S$100. Privacy: If you do not wish to be contacted for promotional or marketing offers or wish to change the address or phone number on your account, please call Customer Service number on page 1.