Platinum Delta SkyMiles® Credit Card p.

1/17

HARRY L WINTERS
Closing Date 10/16/19 Account Ending 4-72009

Delta SkyMiles®
New Balance $9,624.15 Miles Earned this Period
Minimum Payment Due $298.39 1,008
For more details about Rewards, please
visit americanexpress.com/rewardsinfo
Payment Due Date 11/10/19 Account Summary
Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $9,202.90
the Payment Due Date of 11/10/19, you may have to pay a late fee of up to Payments/Credits -$792.44
$39.00 and your APRs may be increased to the Penalty APR of 29.99%. New Charges +$1,009.49
Fees +$0.00
Interest Charged +$204.20

Minimum Payment Warning: If you make only the minimum payment each period, New Balance $9,624.15
you will pay more in interest and it will take you longer to pay off your balance. For Minimum Payment Due $298.39
example:
Credit Limit $25,000.00
If you make no additional You will pay off the balance And you will pay an Available Credit $15,375.85
charges and each month you shown on this statement in estimated total of...
Cash Advance Limit $5,000.00
pay... about...
Available Cash $5,000.00
Only the Days in Billing Period: 31
21 years $27,664
Minimum Payment Due

$13,720 Customer Care

$381 3 years (Savings = $13,944)
Pay by Computer
americanexpress.com/pbc
If you would like information about credit counseling services, call 1-888-733-4139.

See page 2 for important information about your account. Customer Care Pay by Phone
1-800-257-0770 1-800-472-9297

See page 3 for additional information.

See page 9 for Important Changes to Your Account Terms and
Benefits.

See Page 13 for Important Changes to Your Account Benefits.

Continued on page 3

Payment Coupon Pay by Computer Pay by Phone Account Ending 4-72009

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.

HARRY L WINTERS Payment Due Date

6935 ROCKING L RANCH 11/10/19
RD
ODESSA TX 79765-2248 New Balance
$9,624.15
AutoPay Amount
$298.39

Check here if your address or AMERICAN EXPRESS

P.O. BOX 650448
$ .
Amount Enclosed
phone number has changed.
Note changes on reverse side. DALLAS TX 75265-0448
 HARRY L WINTERS Account Ending 4-72009
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 deposit or other asset 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 on your Account. Call the Customer Care number on page 3
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: 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
each month your entire balance (or Adjusted Balance if applicable) by the
due date each month. We will charge you interest on cash advances and
(unless otherwise disclosed) balance transfers 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
(such as airlines) will be billed at the rates such establishments use.
Credit Balance: A credit balance (designated CR) shown on this statement
Change of Address
If correct on front, do not use.
To change your address online, visit www.americanexpress.com/updatecontactinfo
For 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.
Street Address
City, State
Zip Code
Area Code and
Home Phone
Area Code and
Work Phone
Email
p. 2/17
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.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
American Express, PO Box 981535, El Paso TX 79998-1535
You may also contact us on the Web: www.americanexpress.com
In your letter, give us the following information:
- Account information: Your name and account number.
- Dollar amount: The dollar amount of the suspected error.
- Description of Problem: If you think there is an error on your bill,
describe what you believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your
statement.
You must notify us of any potential errors in writing [or electronically]. You
may call us, but if you do we are not required to investigate any potential
errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error, the following
are true:
- We cannot try to collect the amount in question, or report you as
delinquent on that amount.
- The charge in question may remain on your statement, and we may
continue to charge you interest on that amount. But, if we determine that
we made a mistake, you will not have to pay the amount in question or any
interest or other fees related to that amount.
- While you do not have to pay the amount in question, you are responsible
for the remainder of your balance.
- We can apply any unpaid amount against your credit limit.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the
problem with the merchant, you may have the right not to pay the
remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100
miles of your current mailing address, and the purchase price must have
been more than $50. (Note: Neither of these is necessary if your purchase
was based on an advertisement we mailed to you, or if we own the
company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses your credit
card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the
purchase, contact us in writing or electronically at:
American Express, PO Box 981535, El Paso TX 79998-1535
www.americanexpress.com
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our
decision. At that point, if we think you owe an amount and you do not pay
we may report you as delinquent.
Pay Your Bill with AutoPay
· Avoid late fees
· Save time
Deduct your payment from your bank
account automatically each month
Visit americanexpress.com/autopay
today to enroll.
For information on how we protect your
privacy and to set your communication
and privacy choices, please visit
www.americanexpress.com/privacy.
 Platinum Delta SkyMiles® Credit Card p. 3/17

HARRY L WINTERS
Closing Date 10/16/19 Account Ending 4-72009

Customer Care & Billing Inquiries 1-800-257-0770 Hearing Impaired

International Collect 1-336-393-1111 TTY: 1-800-221-9950 Website: americanexpress.com
Large Print & Braille Statements 1-800-257-0770 FAX: 1-623-707-4442
Cash Advance at ATMs Inquiries 1-800-CASH-NOW In NY: 1-800-522-1897 Customer Care
& Billing Inquiries Payments
P.O. BOX 981535 P.O. BOX 650448
EL PASO, TX DALLAS TX 75265-
79998-1535 0448

Please refer to the IMPORTANT NOTICES section for any changes to

your Account terms and any other communications on
pages 7 - 15.

We will debit your bank account for your payment of $298.39 on

10/31/19. 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 10/29/19. If your AutoPay payment is less than
your Minimum Payment Due, we must receive an additional payment
for at least the difference by 11/10/19.

Effective immediately, we will update the frequency in which we

communicate the Billing Rights and Electronic Funds Transfer notices
from annually, to monthly. You will find the monthly Billing Rights
Notice on page 2 of your statement, and the monthly Electronic
Funds Transfer Notice in the IMPORTANT NOTICES section.

Payments and Credits

Summary

Total
Payments -$792.44
Credits $0.00
Total Payments and Credits -$792.44

Detail *Indicates posting date

Payments Amount
09/30/19* HARRY L WINTERS AUTOPAY PAYMENT RECEIVED - THANK YOU -$292.44
USAA FEDERAL SAVINGS BANK
10/08/19* HARRY L WINTERS ELECTRONIC PAYMENT RECEIVED-THANK -$500.00

New Charges
Summary
Total
HARRY L WINTERS 4-72009 $289.58

Continued on reverse
 HARRY L WINTERS Account Ending 4-72009 p. 4/17

Summary Continued
Total
DOLORES WINTERS 4-71019 $719.91
Total New Charges $1,009.49

Detail
HARRY L WINTERS
Card Ending 4-72009
Amount
09/21/19 ITUNES.COM/BILL INTERNET CHARGE CA $5.24
RECORD STORE
09/22/19 HILTON GV CLB WAIKOLOA HILTON GV CLB W WAIKOLOA HI $69.06
Arrival Date Departure Date
09/15/19 09/21/19
00000000
LODGING
09/25/19 AMZN MKTP US*TJ5G92SP3 AMZN.COM/BILL WA $20.49
BOOK STORES
09/26/19 NMX*FRANKLN PROSPERITY 800-485-4350 FL $49.95
800-485-4350
09/27/19 WWW.OOMA.COM 888-711-6662 CA $139.60
TELECOM SUBS
10/14/19 ITUNES.COM/BILL INTERNET CHARGE CA $5.24
RECORD STORE
DOLORES WINTERS
Card Ending 4-71019
Amount
09/15/19 LAX AIRP PANDA EXPRESS T3 LAX AIRP PAN LOS ANGELES CA $12.37
866-820-1178
09/16/19 IGM WAIKOLOA #77 0077 WAIKOLOA HI $20.36
808-591-2550
09/16/19 WAL-MART 2321 2321 KAILUA KONA HI $142.48
DISCOUNT STORE
09/16/19 KTA SUPER STORES 7 KAILUA KONA HI $68.45
808-322-2311
09/17/19 HAWAII TROPICAL BOTANICAL 000000003 PAPAIKOU HI $5.74
8089645233
09/18/19 HAWAIIAN VOLCANO SEA SALT Honoka'a HI $50.67
squareup.com/receipts
09/18/19 HAWAIIAN VOLCANO SEA SALT Honoka'a HI $18.76
squareup.com/receipts
09/18/19 PP*AKAKA FALLS JAMS HONOMU HI $33.00
877-569-1136
09/19/19 REGAL CINEMAS MOBILE APP 0898 KNOXVILLE TN $19.70
877-835-5734
09/19/19 ROSS DRESS FOR LESS KAILUA KONA HI $33.37
999-000-0000
09/19/19 UMEKES - HUALALAI 000000002 KAILUA KONA HI $41.36
8087315937
09/22/19 TESHIMA RESTAURANT 000000001 KEALAKEKUA HI $42.57
8083229140
09/23/19 WAL-MART SUPERCENTER 536 0536 ABILENE TX $16.23
DISCOUNT STORE
09/24/19 H-E-B GAS #717 000000000190847 MIDLAND TX $26.44
8009874438
09/24/19 ABUELO'S MIDLAND TX $20.15
806-785-8686

Continued on next page

 Platinum Delta SkyMiles® Credit Card p. 5/17

HARRY L WINTERS
Closing Date 10/16/19 Account Ending 4-72009

Detail Continued
Amount
09/25/19 CALVARY`S ROAD CHRISTI MARBLE FALLS TX $46.51
830-693-9310
09/25/19 WALMART FUEL#7281 7281 SAN ANGELO TX $12.23
AUTO FUEL DISPENSER
09/26/19 DECKHAND OYSTER BAR 650000010900143 AUSTIN TX $41.21
5123683379
09/26/19 DOLLAR TREE 000001106 CEDAR PARK TX $22.73
8775308733
VARIETY STORES
09/27/19 MURPHY6745ATWALMART 0927 CEDAR PARK TX $27.85
800-843-4298
10/05/19 SUPER POLLO ODESSA ODESSA TX $17.73
432-296-4746

Fees

Amount

Total Fees for this Period $0.00

Interest Charged

Amount
10/16/19 Interest Charge on Purchases $204.20

Total Interest Charged for this Period $204.20

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 and on time each month. Please see the "When we charge interest" sub-section in your Cardmember Agreement for details.

2019 Fees and Interest Totals Year-to-Date

Amount
Total Fees in 2019 $195.00
Total Interest in 2019 $1,226.67

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

Purchases 04/05/2019 24.49% (v) $9,816.96 $204.20

Continued on reverse
 HARRY L WINTERS Account Ending 4-72009 p. 6/17

Interest Charge Calculation Continued

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

Cash Advances 04/18/2016 26.99% (v) $0.00 $0.00

Total $204.20
(v) Variable Rate

SkyMiles® Account Number: XXXXXX8836

Current Period Year to Date

Miles Earned for Eligible Purchases 1,008 21,759
Total Bonus Miles Earned and Adjustments 0 1,612
Total Miles Earned 1,008 23,371

Remember, you can earn a Miles Boost® of 10,000 Medallion® Qualification Miles and 10,000 miles by reaching $25,000 in eligible purchases by
December 31st. You can only get two Miles Boost awards for each Card account. In addition, if you have more than one Platinum Delta SkyMiles®
Card Account linked to the same SkyMiles account you are eligible for only two Miles Boost awards each year. Your Year-to-Date spend on your
Platinum Delta SkyMiles® account is $21,762.00. Terms and Conditions apply. For details, please visit americanexpress.com/deltaplatinum.
 p. 7/17
HARRY L WINTERS Closing Date 10/16/19 Account Ending 4-72009
IMPORTANT NOTICES

Your Personal Details

Account protection is important to us. Please update your Personal Details so we may contact you about your account if
needed. Visit https://global.americanexpress.com/account-management/ to get started.

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.

Important Notices continued on next page.

 p. 8/17
HARRY L WINTERS Closing Date 10/16/19 Account Ending 4-72009
IMPORTANT NOTICES continued

Important Notices continued on next page.

 p. 9/17
HARRY L WINTERS Closing Date 10/16/19 Account Ending 4-72009
IMPORTANT NOTICES continued

Notice of Important Changes to Your Account Terms

We are making changes to your account terms contained in your Cardmember Agreement
referenced in this notice. We encourage you to read the notice, share it with Additional Cardmembers
on your account, and file it for future reference. The detailed changes to the account terms of your
Cardmember Agreement can be found following the below summary chart.
Summary of Changes, Effective January 30, 2020

Card Name ®
Previously, your Card was known as the Platinum Delta SkyMiles Credit
Card from American Express. Your Card will now be known as the Delta
®
SkyMiles Platinum American Express Card.
Type of Card The Supplement to the Cardmember Agreement is amended by deleting
Accounts the Types of Card Accounts section.
How you receive We are amending your Cardmember Agreement to clarify that person-
miles to-person transactions are not included as "eligible purchases" on your
Card. In addition, we are also adding the new card name to clarify the
type of card account.
How you receive We are improving how you can receive additional miles on your Card.
additional miles
You will start earning:
• 3 miles per dollar on eligible purchases on made directly with hotels
worldwide. Currently, you earn 1 mile per dollar.
• 2 miles per dollar on eligible purchases at restaurants worldwide.
Currently, you earn 1 mile per dollar.
• 2 miles per dollar on eligible purchases at supermarkets located in
the United States. Currently, you earn 1 mile per dollar.
You will now earn 3 miles per dollar on purchases made directly with
Delta. Currently, you earn 2 miles per dollar on purchases made directly
with Delta.
How you can ®
Miles Boost will now be known as "Status Boost
TM
".
receive a Miles
® The benefit will offer the following:
Boost each year
• If in any calendar year, eligible purchases are $25,000 or more, you
will earn 10,000 Medallion Qualification Miles (MQMs)
• If in any calendar year, eligible purchases are $50,000 or more, you
will earn an additional 10,000 MQMs
You will no longer earn bonus miles with this benefit. MQMs can help you
earn towards Delta SkyMiles Medallion status. Eligible purchases made
from January 1 through January 29, 2020 will count towards the eligible
purchases thresholds for the calendar year.
Delta Sky Club
® The exclusive per-visit rate for Delta Sky Club Access will increase to $39
Access per person, from $29.
Global Entry or We are adding a new benefit to your Card. You will receive one Global
Precheck Fee Entry statement credit ($100) every 4 years or one Precheck statement
Credit credit ($85) every 4.5 years when the application fee is charged by the
Basic Card Member. This benefit is not available for Additional Card
Members.
ID 12852

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

Important Notices continued on next page. CMLENGDPRUS0048

 p. 10/17
HARRY L WINTERS Closing Date 10/16/19 Account Ending 4-72009
IMPORTANT NOTICES continued

Detail of Changes to Your Cardmember Agreement

This notice amends your American Express Cardmember Agreement ("Cardmember 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.

Effective January 30, 2020, your Cardmember Agreement will be amended as follows:

®
References in the Cardmember Agreement to "Platinum Delta SkyMiles Credit Card from American
®
Express" are replaced with "Delta SkyMiles Platinum American Express Card."

The Supplement to the Cardmember Agreement is amended by deleting the Types of Card Accounts
section.

The Supplement to the Cardmember Agreement is amended by deleting the How you receive miles
section and replacing it with the following:

How you You receive 1 mile for each $1 of
receive miles eligible purchases on your Delta
® • balance transfers,
SkyMiles Platinum American
Express Card (Card Account).
Eligible purchases are purchases for
goods and services minus returns
and other credits.
Eligible purchases do NOT include:
• fees or interest charges,
• cash advances,
• purchases of traveler's checks,
• purchases or reloading of prepaid
cards,
• purchases of any cash equivalents,
or
• person-to-person transactions

Important Notices continued on next page.


HARRY L WINTERS Closing Date 10/16/19
IMPORTANT NOTICES continued
The Supplement to the Cardmember Agreement is amended by deleting the How you receive
additional miles section and replacing it with the following:
How you You receive 2 additional miles (a
receive total of 3) for each $1 of eligible
additional miles purchases on your Card Account for
the following purchases submitted to
us using a Delta merchant code:
• air travel on a Delta flight
• air travel on a Delta partner flight
with a DL flight number
• Delta Vacations® packages
• other Delta services
You will NOT receive additional miles
for:
• purchases of air travel on a Delta
flight that are part of all-inclusive
air or sea tour packages
You receive 2 additional miles (a
total of 3) for each $1 of eligible
purchases on your Card Account
charged directly with hotels
worldwide (excluding timeshares,
banquets, and events).
You receive 1 additional mile (a
total of 2) for each $1 of eligible
purchases on your Card Account
charged at restaurants worldwide.
You receive 1 additional mile (a
total of 2) for each $1 of eligible
purchases on your Card Account
charged at supermarkets located in
the United States. Superstores and
warehouse clubs are not considered
supermarkets.
Important Notices continued on next page.
p. 11/17
Account Ending 4-72009
Purchases made through a third-
party payment account or on an
online marketplace (with multiple
retailers) will not receive additional
miles.
Merchants are typically assigned
codes and categorized based on
what they primarily sell. A purchase
will not receive additional miles if the
merchant, or a particular merchant
location, uses a code that is not
eligible for additional miles. For
questions about additional miles on
a purchase, call the number on the
back of your Card.
A purchase may not receive
additional miles if the merchant
submits the purchase using a mobile
or wireless card reader or if you use
a mobile or digital wallet.
Please visit americanexpress.com/
rewardsinfo for more information
about rewards.
From time to time, we may make
promotional offers of bonus miles.
These offers include terms about
how you can earn the bonus miles
and when you can use them. These
offer terms may differ from the terms
above concerning miles earned
for charges to your Card Account,
including about when you can use
the miles.
You can view your miles balance by
logging onto your online account at
americanexpress.com and viewing
your account summary page.
 p. 12/17
HARRY L WINTERS Closing Date 10/16/19 Account Ending 4-72009
IMPORTANT NOTICES continued

The Supplement to the Cardmember Agreement is amended by deleting the How you can receive a
®
Miles Boost each year section and replacing it with the following:

How you can TM

You may receive a Status Boost award of Medallion Qualification Miles
receive a Status (MQMs) based on your eligible purchases for the calendar year. A calendar
TM
Boost award year is from January 1 to December 31 regardless of when you open your
of Medallion Card Account. This means in your first year as a Card Member you may have
Qualification fewer months to accumulate eligible purchases.
Miles each
calendar year The eligible purchases required to receive these awards are shown below.

Annual Eligible Purchases MQMs Awarded

$25,000 10,000 MQMs
$50,000 or more An additional 10,000 MQMs

TM
Status Boost Restrictions
You can only earn two Status Boost awards for each Card Account. In
addition, if you have more than one consumer Platinum Card Account linked
to the same SkyMiles account, you are eligible for only two Status Boost
awards (one per threshold) each calendar year.

Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta
SkyMiles members can qualify for Medallion Status through a combination of
miles or segments flown and annual spending. For more information about the
requirements for Medallion Status, please visit delta.com.

Important Notices continued on next page.

 p. 13/17
HARRY L WINTERS Closing Date 10/16/19 Account Ending 4-72009
IMPORTANT NOTICES continued

Notice of Updates to Additional Benefits of your Card

As described below, we will be making updates to your card benefits. These benefits are provided to
you at no additional charge as part of your Card Membership. We encourage you to read this notice
and file it for future reference. If you have any questions, please visit the website for each benefit
below, or call the number on the back of your Card.

Roadside Assistance Hotline

Effective 1/1/2020, Roadside Assistance Hotline will no longer be a benefit provided on this Card
Account. Roadside Assistance Hotline can still be used until 12/31/2019. For terms and conditions,
please visit americanexpress.com/raterms.

Travel Accident Insurance*

Effective 1/1/2020, Travel Accident Insurance will no longer be a benefit provided on this Card
Account. This means any eligible travel purchases made on or after 1/1/2020 will not be covered by
Travel Accident Insurance. Eligible travel purchases made prior to 1/1/2020 will still be covered by
Travel Accident Insurance.
*Travel Accident Insurance is underwritten by AMEX Assurance Company and Tokio Marine Pacific
Insurance Limited. Subject to additional terms, conditions and exclusions. For terms and conditions,
please visit americanexpress.com/taiterms.

Extended Warranty*
For eligible purchases made on and after 1/1/2020 the following will occur:
• If the original manufacturer's warranty is less than one (1) year, we will match the length of that
warranty.
• If the original manufacturer's warranty is between one (1) year and five (5) years, we will increase
coverage to provide one (1) additional year of warranty.
For eligible purchases made on or after 8/1/2018 but prior to 1/1/2020 the following will occur:
• If the original manufacturer's warranty is less than two (2) years, we will match the length of that
warranty.
• If the original manufacturer's warranty is between two (2) years and five (5) years, we will provide
two (2) additional years of warranty**.
*Extended Warranty is underwritten by AMEX Assurance Company and Tokio Marine Pacific
Insurance Limited. Subject to additional terms, conditions and exclusions. For terms and conditions,
please visit americanexpress.com/ewterms.
**For residents of Indiana, Guam, Puerto Rico, and Northern Mariana Islands, your coverage
will match the original warranty period for warranties of less than one (1) year or provide one (1)
additional year if the warranty is between one (1) and five (5) years.
The benefit is limited to the actual amount charged to your Card for the item, up to a maximum of
$10,000; not to exceed $50,000 per Card Member account per calendar year.

Purchase Protection*
For eligible purchases made on and after 1/1/2020 the coverage duration on eligible purchases will
be 90 days.
For eligible purchases made prior to 1/1/2020, the coverage duration on eligible purchases will be
120 days**.
*Purchase Protection is underwritten by AMEX Assurance Company and Tokio Marine Pacific
Insurance Limited. Subject to additional terms, conditions and exclusions. For terms and conditions,
please visit americanexpress.com/ppterms.
**For residents of New York, Indiana, Guam, Puerto Rico, and Northern Mariana Islands coverage
duration is 90 days.

Return Protection
Effective 1/1/2020, Return Protection will no longer be a benefit provided on this Card Account. This
means any purchases made on or after 1/1/2020 will not be covered by Return Protection. Eligible

Important Notices continued on next page. CMLENGDPRUS0040

 p. 14/17
HARRY L WINTERS Closing Date 10/16/19 Account Ending 4-72009
IMPORTANT NOTICES continued

purchases made prior to 1/1/2020 will still be covered by Return Protection for up to 90 days from the
original purchase. For terms and conditions, please visit americanexpress.com/rpterms.

ID 12844

Important Notices continued on next page.

 p. 15/17
HARRY L WINTERS Closing Date 10/16/19 Account Ending 4-72009
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.

End of Important Notices.

HARRY L WINTERS Account Ending 4-72009 p. 16/17
 Platinum Delta SkyMiles® Credit Card p. 17/17

HARRY L WINTERS
Closing Date 10/16/19 Account Ending 4-72009

American Express® OE WHEELS, 4PLAY WHEELS

Our wheels are designed to take your truck to the next level. Vast selection for most
Cards Warmly makes & models.
Welcomed 866-273-3651
Oewheelsllc.com, 4playwheels.com

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.