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American Express®
Preferred Rewards Gold Credit Card Customer Service
0800 917 8050

American Express
Services Europe Ltd.
Statement of Account Page 1 of 6 Dept. 138
1 John Street
Prepared for Membership Number Date Brighton
KWAME OPOKU ASARE xxxx-xxxxxx-51009 03/12/21 BN88 1NH
England
Account Summary Statement includes payments and charges received by 3 December 2021

Previous Balance New Credits New Debits Closing Balance

£ 0.00 - £ 3,448.64 + £ 4,599.29 = £1,150.65

If you do not pay the full amount outstanding we will allocate your payment to the outstanding balance in a specific order which is set out in the summary
box contained in this statement. The way in which payments are allocated can make a significant difference to the amount of interest you will pay until the
balance is cleared completely. If you only make the minimum payment each month, it will take you longer and cost you more to clear the balance. If you
are unable to make the minimum payment please contact us as soon as possible by calling the Customer Service number above.

Minimum Repayment Payment Due Date

£25.00 28 December 2021

In these unprecedented times we want to make sure we can keep in touch with all our Cardmembers should there be disruption to
our ability to deliver paper communications.
To switch to paperless please visit the Amex App (click on the Account tab), or log on to
https://global.americanexpress.com/account-management/paperless-settings
Estimated Interest next month assuming you only pay the minimum payment amount £25.42.
Please send your minimum repayment of £25.00 by the due date shown.
Welcome to Cardmembership .

Statement Period From 4 November to 3 December 2021

Credit Summary Credit Limit £ Available Credit Limit £ Available Cash Limit £
At 3 December 2021 10,200.00 9,049.35 2,040.00

Rates of Interest Compound Simple

Annual Rate Monthly Rate
Goods And Services 22.2% 1.68%
Cash Advance 27.1% 2.02%
Balance Transfer 22.2% 1.68%

For more information about interest rates, visit www.americanexpress.co.uk /interest

American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX,
United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial
Conduct Authority.

Private & Confidential

KWAME OPOKU ASARE
26A SEWARDSTONE STREET
WALTHAM ABBEY
EN9 1HA
UNITED KINGDOM
Statement of Account Page 2 of 6
Prepared for Membership Number Date
KWAME OPOKU ASARE xxxx-xxxxxx-51009 03/12/21

Transaction Process
Date Date Transaction Details Foreign Spend Amount £

Nov 25 Nov 25 PAYMENT RECEIVED - THANK YOU 1,000.00

CR
Nov 28 Nov 28 PAYMENT RECEIVED - THANK YOU 447.93
CR
Dec 3 Dec 3 PAYMENT RECEIVED - THANK YOU 1,000.00
CR
Nov 10 Nov 10 TESCO STORE 3356 3356TE WALTHAM ABBEY 27.93
Nov 11 Nov 12 JUST EAT.CO.UK LTD LONDON 26.48
Nov 11 Nov 11 TESCO STORE 3356 3356TE WALTHAM ABBEY 14.02
Nov 12 Nov 12 TESCO STORE 6490 6490TE LONDON 1.50
Nov 12 Nov 12 UBER BV HELP.UBER.COM 4.75
Nov 13 Nov 14 UBER BV HELP.UBER.COM 13.24
Nov 15 Nov 15 DOMINOS PIZZA Dominos P MILTON KEYNES 17.99
Nov 17 Nov 17 BOOTS THE CHEMIST LONDON 213.00
MERCHANDISE

Nov 17 Nov 17 TESCO STORE 3356 3356TE WALTHAM ABBEY 24.00

Nov 17 Nov 17 Costco Wholesale #113 Chingford 101.99
Nov 17 Nov 18 JUST EAT.CO.UK LTD LONDON 27.40
Nov 18 Nov 18 TFL TRAVEL CHARGE TFL.GOV.UK/CP 2.70
Nov 18 Nov 18 UBER BV HELP.UBER.COM 13.80
Nov 19 Nov 19 TESCO STORE 2329 2329TE WALTHAM CROSS 758.00
Nov 19 Nov 19 TESCO STORE 3032 3032TE ENFIELD 758.00
CR

How you can pay your statement

Debit Card - Log in to americanexpress.co.uk or call us on the number on the back of your Card. Please have your Account number and debit
card available when you call. Debit card payments will usually update your balance displayed on our website, mobile handsets and automated
telephone service as soon as your payment is authorised. Debit card payments made to Accounts with a Flex Select balance can take 2-3
business days to update.

Direct Debit - Payment will be collected from your bank account on the Direct Debit due date listed on the front of your statement. If you pay
your balance in full each month, this will be collected approximately 14 days from your statement date. If you have selected to pay the minimum
due, a fixed amount, or a percentage of the outstanding balance each month, this will be collected approximately 18 days from your statement
date. Enrol in Direct Debit at americanexpress.co.uk/setupdirectdebit. If your bank requires additional signatories, please download a form at
americanexpress.co.uk/forms. For any enquiries about Direct Debit enrolment, please call us on the number at the back of your Card.

Internet Banking - Please use account name American Express Services Europe Limited, sort code 30-00-00, account number 00200476
and make sure you use your 15 digit American Express Account Number as the reference. Your Faster Payment, BACS or CHAPS payment
will update your balance displayed on our website, mobile handsets and automated telephone service as soon as they have been received. For
Faster Payments made to Accounts with a Flex Select balance allow 2-3 business days for the payment to appear on your Account. For BACS
payments made to Accounts with a Flex Select balance please allow 3-5 business days.

Bank - Take your completed giro slip from your statement and your payment to your bank. Cash payments may take 2-3 days to appear on
your Account. If using a cheque, please write your Account number on the back of your cheque.
Statement of Account Page 3 of 6
Prepared for Membership Number Date
KWAME OPOKU ASARE xxxx-xxxxxx-51009 03/12/21

Transaction Process
Date Date Transaction Details Foreign Spend Amount £

Nov 19 Nov 19 BOOTS THE CHEMIST WALTHAM CROSS 213.00

CR
MERCHANDISE

Nov 19 Nov 19 TFL TRAVEL CHARGE TFL.GOV.UK/CP 2.70

Nov 20 Nov 20 TFL TRAVEL CHARGE TFL.GOV.UK/CP 1.90
Nov 21 Nov 21 UBER BV HELP.UBER.COM 35.40
Nov 21 Nov 22 JUST EAT.CO.UK LTD LONDON 19.70
Nov 21 Nov 22 JUST EAT.CO.UK LTD LONDON 16.20
Nov 21 Nov 21 EUROSTAR LONDON 59.00
Nov 22 Nov 22 JUST EAT.CO.UK LTD LONDON 22.80
Nov 22 Nov 23 TESCO PETROL - BULLSMRE HERTFORDSHIRE 58.15
Nov 22 Nov 22 LYCAMOBILE USA INC.. LY UNITED STATES 7.00 5.43
UNITED STATES DOLLAR
Exchange Rate 1.3282 + Nonsterling Transaction Fee .16

Nov 22 Nov 23 NCLEX EXAMS US 866-496-2539 7.95 6.17

UNITED STATES DOLLAR
Exchange Rate 1.3272 + Nonsterling Transaction Fee .18

Nov 23 Nov 23 APPLE.COM/US CUPERTINO 955.19 742.68

UNITED STATES DOLLAR
Exchange Rate 1.3245 + Nonsterling Transaction Fee 21.56

Nov 23 Nov 30 AMEX TLS ONLINE UK MERC BRIGHTON 735.54

ROUTING: FROM: WASHINGTON DULLES
TO: LONDON HEATHROW AP CARRIER: UA CLASS: S
TO: WASHINGTON DULLES CARRIER: UA CLASS: S
TICKET NUMBER: 3358077101 PASSENGER NAME: KWABENA MR BAAFI

Nov 24 Nov 24 EUROSTAR LONDON 59.00

Nov 25 Nov 25 EUROSTAR LONDON 143.00
Nov 27 Nov 27 TAXIS ON BOOKING LONDON 29.72
Nov 27 Nov 28 BRITISH AIRWAYS BSP (GB STANSTED 89.00
ROUTING: FROM: N.Y. J F KENNEDY I
TO: LONDON HEATHROW AP CARRIER: BA CLASS: Q
TICKET NUMBER: 1252115057427 PASSENGER NAME: ASARE/KWAME OPOKU MR

Nov 27 Dec 1 AMEX TLS ONLINE UK MERC BRIGHTON 186.80

ROUTING: FROM: N.Y. NEWARK INTL A
TO: CANCUN CARRIER: UA CLASS: K
TO: N.Y. NEWARK INTL A CARRIER: UA CLASS: K
TICKET NUMBER: 3358077294 PASSENGER NAME: KWAMEOPOKU MR ASARE

Nov 27 Dec 1 AMEX TLS ONLINE UK MERC BRIGHTON 186.80

ROUTING: FROM: N.Y. NEWARK INTL A
TO: CANCUN CARRIER: UA CLASS: K
TO: N.Y. NEWARK INTL A CARRIER: UA CLASS: K
TICKET NUMBER: 3358077288 PASSENGER NAME: KWAMEOPOKU MR ASARE

Nov 27 Dec 1 AMEX TLS ONLINE UK MERC BRIGHTON 186.80

ROUTING: FROM: N.Y. NEWARK INTL A
TO: CANCUN CARRIER: UA CLASS: K
TO: N.Y. NEWARK INTL A CARRIER: UA CLASS: K
TICKET NUMBER: 3358077295 PASSENGER NAME: FLORENCEAGYAKOMA MRS KWA
Statement of Account Page 4 of 6
Prepared for Membership Number Date
KWAME OPOKU ASARE xxxx-xxxxxx-51009 03/12/21

Transaction Process
Date Date Transaction Details Foreign Spend Amount £

Nov 27 Dec 1 AMEX TLS ONLINE UK MERC BRIGHTON 186.80

ROUTING: FROM: N.Y. NEWARK INTL A
TO: CANCUN CARRIER: UA CLASS: K
TO: N.Y. NEWARK INTL A CARRIER: UA CLASS: K
TICKET NUMBER: 3358077289 PASSENGER NAME: FLORENCEAGYAKOMA MRS KWA

Nov 28 Nov 30 ADIDAS (UK) LIMITED STOCKPORT 199.95

Nov 29 Nov 30 BA.COM UK WEST DRAYTON 53.00
ROUTING: FROM: N.Y. J F KENNEDY I
TO: LONDON HEATHROW AP CARRIER: BA CLASS: Q
TICKET NUMBER: 1254202429891 PASSENGER NAME: ASARE/KWAME OPOKU MR

Nov 30 Nov 30 ADIDAS (UK) LIMITED STOCKPORT 169.95

Nov 30 Nov 30 EUROSTAR LONDON 156.00
Dec 1 Dec 1 TAXIS ON BOOKING LONDON 13.80
CR
Dec 1 Dec 1 TAXIS ON BOOKING LONDON 15.91
CR
Total new spend transactions for KWAME OPOKU ASARE 3,598.58
Statement of Account Page 5 of 6
Prepared for Membership Number Date
KWAME OPOKU ASARE xxxx-xxxxxx-51009 03/12/21

Membership Rewards - Classic Membership Rewards Account Number

Period 06/11/21 to 26/11/21 8260-4446-3434

Previous New Points Points New

Points Balance Points Earned* Bonus Points Adjustments Redeemed Points Balance
For enquiries call
0 1,293 753 0 1,500 546 Membership Rewards
on 0800 917 8053
or +44 (0) 01273 863863

Conversion rate text

Points Card Type Card Number Points

Earned PRG CREDIT CARD xxxxxxxxxx51009 1,293
Total Points Earned 1,293

Bonus Description Points

Points Outbound spend bonus 753
Total Bonus Points 753

Points Date Description Points

Redeemed 25/11/2021 British Airways -1,500
Total Points Redeemed - 1,500

Cardmember Offers and Information

Customers who hold both The Preferred Rewards Gold Card and the American Express Preferred Rewards Gold Credit Card
please note that this statement is for your Credit Card only. Please visit www.americanexpress.co.uk/goldversions for
important information on the significance of holding both Gold products.
Statement of Account Page 6 of 6
Prepared for Membership Number Date
KWAME OPOKU ASARE xxxx-xxxxxx-51009 03/12/21

Summary Box
The information contained in this table summarises key product features not displayed elsewhere on the statement and is not intended to replace any
terms and conditions.
____________________________________________________________________________________________________________________
Interest Free Maximum 56 days on purchases if you pay the full amount you owe on each statement date on time every month.
Period No interest-free period on balance/money transfers or cash advances (subject to any interest-free promotional offer).
____________________________________________________________________________________________________________________
Interest Charging Purchases - We won't charge interest on purchases if you pay the full amount you owe on each statement date on time
Information every month. Otherwise we'll charge interest daily from the date an amount is charged to your account until it's paid in full.
Cash Advances and Balance/Money Transfers - We'll charge interest daily on cash advances and balance/money
transfers from the date the Transaction is applied to your account until it's paid in full (subject to any promotional offers).
____________________________________________________________________________________________________________________
Explaining Interest Simple Rates - Your simple interest rate is what we use to work out how much interest you will be charged each month.
Rates It moves in line with the Bank of England Base Rate.
Compounding Interest - We use your simple interest rate to work out the interest we charge you. If you do not pay
your balance in full each month we will charge interest on interest. We calculate the interest charge on unpaid
transactions daily and then add the interest to your account every month, when we produce your statement this is called
'compounding'. Because this rate includes the payment of interest on interest, it will be greater than your Simple
Interest Rate.
You can find out more information about interest rates, including the current Base Rate by visiting
americanexpress.co.uk/interest
____________________________________________________________________________________________________________________
Allocation of We pay off amounts you owe at the highest interest rates before amounts charged at lower interest rates and we'll apply
Payments payments to amounts that have appeared on your statements before amounts that haven't yet appeared on your
statements.
____________________________________________________________________________________________________________________
Minimum The minimum payment is the higher of the following amounts:
Repayment (1) £25 (or the total amount you owe if less); or
(2) any interest, default fees, repayment protection insurance and 1/12th of any annual cardmembership fee or
the full monthly fee (if applicable to the product you hold) plus 2% of the amount you owe on the account.
____________________________________________________________________________________________________________________
Fees A cardmembership fee may be payable, please see your credit card agreement for more information.
____________________________________________________________________________________________________________________
Charges > Cash Advance Fee 3% (£3 minimum)
> Balance/Money Transfer Fee 3% of the amount of the transfer
> Copy Statement Fee £2 for each additional copy of a paper statement
____________________________________________________________________________________________________________________
Foreign Usage American Express Exchange Rate You can find our rates via the 'My Account' section of the online account
centre or by calling us.
Non-Sterling Transaction Fee 2.99% of the amount after we've converted a transaction into Pounds Sterling.
___________________________________________________________________________________________________________________
Default > Late Payment Fee £12
Charges > Returned Payment Fee £12
____________________________________________________________________________________________________________________
Dispute If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the
Resolution way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If
you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide
details of how to contact the Ombudsman.

Have you changed your address?

You can update your address in the following ways;

> Online at www.americanexpress.co.uk

> By Telephone, you can call Customer Services 24 hours a day 7 days a week. You may need to have your American Express Card with you

> Or by post

Online Services
You can manage your Card Account Online and also view your latest rewards and offers. Register your email address today to be the first to
hear about great offers at www.americanexpress.co.uk