americanexpress.

ca
Customer Service:
American Express Cobalt Card 1-800-869-3016 (toll free)
From outside of
Statement of Account Canada/U.S
(call collect):
905-474-0870
Page 1 / 8 Amex Bank of Canada
P.O. Box 3204, Stn F
Toronto (ON), M1W 3W7

Prepared For Account Number Opening Date Closing Date

MICHAEL BRAUN XXXX XXXXX8 81008 May 25, 2025 Jun 24, 2025
ACCOUNT SUMMARY
Previous Balance $187.70 Credit Limit $3,600.00
Less Payments $1,287.70 Available Credit Limit $3,453.68
Less Other Credits $0.00 Available Cash Limit $720.00
Plus Interest $0.00
Plus Purchases $1,253.33 To request a credit line increase, please go to americanexpress.com/canada/request-limit-
Plus Fees $12.99 increase or call the number on the back of your card.
Plus Credit Advances $0.00
Plus Other Charges -$20.00
Equals New Balance $146.32
Payment Period Remaining
Minimum Amount Due on Jul 15, 2025 $10.00 If each month you pay the Minimum Amount Due only 1 Year(s) 3 Month(s)

Statement includes payments and charges received by Jun 24, 2025

We value your membership. Please pay the minimum due by the payment due date. Thank you.

..........
AMERICAN EXPRESS Account Number XXXX XXXXX8 81008
PLEASE ALLOW 3 TO 5 BUSINESS DAYS FOR YOUR PAYMENT TO BE New Balance $146.32
PROCESSED BY YOUR FINANCIAL INSTITUTION AND SENT TO US. Minimum Due $10.00
Learn about all of your payment options, including how to enroll your bank account, Payment Due Date Jul 15, 2025
make a one-time payment or enroll in our pre-authorized payment plan by visiting
amex.ca/paymentmethods. Go paperless and get your future statements Amount Paid ($)
faster: amex.ca/paperless. DETAILS ENCLOSED.

MICHAEL BRAUN
2655 WARREN AVE
KIMBERLEY BC
V1A 1T7
 American Express Cobalt Card
Statement of Account
Page 2 / 8

Prepared For Account Number Opening Date Closing Date

MICHAEL BRAUN XXXX XXXXX8 81008 May 25, 2025 Jun 24, 2025

Your Transactions
Transaction Posting Details Amount ($)
Date Date

New Payments
May 27 May 27 PAYMENT RECEIVED - THANK YOU -187.70
Reference AT251470003000010019179

Jun 20 Jun 20 PAYMENT RECEIVED - THANK YOU -1,100.00

Reference AT251710003000010027380

Total of Payment Activity -1,287.70

New Transactions for MIAO HU

May 23 May 25 SUPER EATER SUPER EATER TORONTO 8.93
May 24 May 25 METRO 63 TORONTO 10.19
May 24 May 25 KFC/TACO BELL #1940 KFC TORONTO 11.28
May 24 May 25 FANTUAN DELIVERY BURNABY 23.18
May 24 May 26 SUPER EATER SUPER EATER TORONTO 10.76
May 25 May 26 KFC/TACO BELL #1940 KFC TORONTO 11.28
May 26 May 27 METRO 63 TORONTO 14.77
May 26 May 27 FANTUAN DELIVERY BURNABY 22.85
May 26 May 27 KFC/TACO BELL #1940 KFC TORONTO 11.28
May 26 May 28 SUPER EATER SUPER EATER TORONTO 34.76
May 27 May 27 APPLE.COM/BILL TORONTO 9.03
May 27 May 28 UBER EATS HTTPS://HELP.UB 29.00
May 27 May 28 METRO 63 TORONTO 14.77
 American Express Cobalt Card
Statement of Account
Page 3 / 8

Prepared For Account Number Opening Date Closing Date

MICHAEL BRAUN XXXX XXXXX8 81008 May 25, 2025 Jun 24, 2025

Your Transactions
Transaction Posting Details Amount ($)
Date Date

May 27 May 28 FANTUAN DELIVERY BURNABY 22.85

May 28 May 29 METRO 63 TORONTO 8.28
May 28 May 29 KFC/TACO BELL #1940 KFC TORONTO 11.28
May 28 May 29 FANTUAN DELIVERY BURNABY 22.85
May 28 May 30 SUPER EATER SUPER EATER TORONTO 7.76
May 29 May 30 HEALTHY PLANET YONGE & TORONTO 142.40
May 29 May 30 METRO 63 TORONTO 32.92
May 29 May 30 FARM BOY #29 TORONTO TORONTO 15.49
May 29 May 30 KFC/TACO BELL #1940 KFC TORONTO 11.28
May 29 May 31 SUPER EATER SUPER EATER TORONTO 8.54
May 30 May 31 METRO 63 TORONTO 9.64
May 30 May 31 METRO 63 TORONTO 9.64
May 30 Jun 1 SUPER EATER SUPER EATER TORONTO 20.16
May 30 Jun 1 SUPER EATER SUPER EATER TORONTO 3.71
May 31 May 31 UBER EATS HTTPS://HELP.UB 29.00
May 31 Jun 1 METRO 63 TORONTO 12.49
May 31 Jun 2 SUPER EATER SUPER EATER TORONTO 8.88
Jun 1 Jun 1 APPLE.COM/BILL TORONTO 6.77
Jun 1 Jun 2 METRO 63 TORONTO 11.64
Jun 1 Jun 3 SUPER EATER SUPER EATER TORONTO 6.29
Jun 2 Jun 3 KFC/TACO BELL #1940 KFC TORONTO 11.28
Jun 2 Jun 3 HEALTHY PLANET YONGE & TORONTO 32.02
Jun 2 Jun 3 METRO 63 TORONTO 7.91
Jun 2 Jun 4 SUPER EATER SUPER EATER TORONTO 3.71
Jun 2 Jun 4 SUPER EATER SUPER EATER TORONTO 18.70
Jun 3 Jun 4 FANTUAN DELIVERY BURNABY 25.43
Jun 3 Jun 4 SZECHUAN EXPRESS TORONTO 14.63
Jun 3 Jun 4 METRO 63 TORONTO 10.85
Jun 3 Jun 4 METRO 63 TORONTO 8.28
Jun 3 Jun 5 PRESTO FARE/5H568298P9 TORONTO 6.60
Jun 4 Jun 4 FANTUAN DELIVERY BURNABY 25.43
Jun 4 Jun 5 METRO 63 TORONTO 21.46
Jun 4 Jun 5 METRO 63 TORONTO 24.54
Jun 4 Jun 6 PRESTO FARE/5H5B46MVDH TORONTO 3.30
 American Express Cobalt Card
Statement of Account
Page 4 / 8

Prepared For Account Number Opening Date Closing Date

MICHAEL BRAUN XXXX XXXXX8 81008 May 25, 2025 Jun 24, 2025

Your Transactions
Transaction Posting Details Amount ($)
Date Date

Jun 4 Jun 6 SUPER EATER SUPER EATER TORONTO 9.35

Jun 5 Jun 6 METRO 63 TORONTO 8.28
Jun 5 Jun 6 METRO 63 TORONTO 1.91
Jun 6 Jun 7 METRO 63 TORONTO 6.00
Jun 6 Jun 7 KFC/TACO BELL #1940 KFC TORONTO 11.28
Jun 6 Jun 7 HEALTHY PLANET YONGE & TORONTO 20.78
Jun 6 Jun 7 FANTUAN DELIVERY BURNABY 25.43
Jun 7 Jun 8 *RFBT-COLLEGE PARK TORO TORONTO 12.98
Jun 7 Jun 8 METRO 63 TORONTO 9.75
Jun 7 Jun 8 METRO 63 TORONTO 1.91
Jun 7 Jun 8 METRO 63 TORONTO 21.67
Jun 8 Jun 9 METRO 63 TORONTO 9.75
Jun 8 Jun 10 SUPER EATER SUPER EATER TORONTO 6.29
Jun 9 Jun 9 APPLE.COM/BILL TORONTO 28.24
Jun 9 Jun 10 METRO 63 TORONTO 19.39
Jun 10 Jun 12 PRESTO FARE/5H65G69TFV TORONTO 3.30
Jun 13 Jun 14 LULULEMONCOM 877-263-9300 145.77
Jun 19 Jun 20 APPLE.COM/BILL TORONTO 4.51
Jun 21 Jun 22 DOMINO'S PIZZA #1056 TORONTO 16.22
Jun 24 Jun 24 IHERB IHERB.COM AMSTERDAM 62.43
Total of New Transactions for 1,253.33
MICHAEL BRAUN

Other Account Transactions

Jun 14 Jun 14 LULULEMON ATHLETICA B2C -20.00
lululemonOffer

Jun 24 Jun 24 MEMBERSHIP FEE INSTALLMENT 12.99

Total of Other Account Transactions -7.01
 American Express Cobalt Card
Statement of Account
Page 5 / 8

Prepared For Account Number Opening Date Closing Date

MICHAEL BRAUN XXXX XXXXX8 81008 May 25, 2025 Jun 24, 2025

About Your Credit Limit

Please refer to page 1 of this statement for your Credit Limit.

About Your Interest Rates

Category Daily Periodic Rate Current Annual Annual Interest Rates

Interest
31 Billing days this Interest Rate
Period Preferred Standard Basic

Purchases
0.0603% 0.00 21.99% 21.99% 25.99% 28.99%

Funds Advance
0.0603% 0.00 21.99% 21.99% 25.99% 28.99%

Amex Cheques/Balance Transfers

0.0603% 0.00 21.99% 21.99% 25.99% 28.99%

$0.00
 American Express Cobalt Card
Statement of Account
Page 6 / 8

Prepared For Account Number Opening Date Closing Date

MICHAEL BRAUN XXXX XXXXX8 81008 May 25, 2025 Jun 24, 2025

About Your Statement

Payment Period Remaining - This is an estimate of the time it will take for you to pay off the New Balance shown on this statement if
you make no additional charges using this Card and each month you pay the Minimum Amount Due only. For additional information including
the way we determine the estimate, please visit americanexpress.ca/paymentperiod.
Minimum Payment - The Minimum Payment is the lesser of (1) or (2), calculated as follows:
(1) the total of: (a) any previously billed minimum payment that remains unpaid on the Closing Date of the statement + (b) if applicable,
installment amounts (including installment fees) charged on the billing statement PLUS (for non-Quebec residents): (c) $10 + (d) Interest,
Overlimit fees and Dishonoured Payment fees; or (for Quebec residents whose accounts were opened on or after August 1, 2019): (c) 5% of
the remaining balance owing that month. (for Quebec residents whose accounts were opened prior to August 1, 2019): (c) 2% for the
statements dated on or after April 1, 2020, and the following percentages apply for statements dated on or after the following dates: August
1, 2020 - 2.5%; August 1, 2021 - 3%; August 1, 2022 - 3.5%; August 1, 2023 - 4%; August 1, 2024 - 4.5%; August 1, 2025 - 5% . OR
(2) the entire new balance of the billing statement. If your primary address changes to or from Quebec, the applicable minimum due
calculation will take effect on your next statement.
Transaction / Posting Date - If the transaction date is not available, the posting date will be used as the transaction date and will be
shown with an asterisk (*).
Charges Made in Foreign Currencies - All foreign currency charges and refunds have been converted into Canadian dollars by
our affiliate on the date we processed the charge or refund. Unless your charge or refund was in U.S. dollars, it has been converted through
U.S. dollars, by converting the charge or refund amount into U.S. dollars and then by converting that U.S. dollar amount into Canadian
dollars. Unless required by law or used by custom, conversion rates are based on interbank rates selected from customary industry sources
on the weekday prior to the processing date (except January 1 and December 25), which we increase by a single conversion commission of
2.5%. Any conversion commission we apply to the original charge will not be returned on a refund. Charges converted by third parties prior to
being submitted to us have been at rates selected by them.
Interest - You may pay the entire New Balance of your account at any time. Interest is calculated daily and is charged to your account on
the last day of the billing period. Interest on a purchase applies from and including the transaction date or from and including the first day of
the billing period in which the purchase is first charged to your account, if that date is later, until the day we receive payment in FULL.
However, there is a grace period of 21 days on new purchases (for residents of Quebec, this applies to all purchases) from the Closing Date
on your statement if we receive payment in FULL by the Payment Due Date and if we do not, up to 25 days for new purchases on your next
statement. Interest will be charged on any previous balances during this period, subject to any interest-free grace period that may still apply.
There is no interest-free grace period for funds advances, Amex cheques and balance transfers if offered. Please refer to your Cardmember
Agreement, Information Box and Disclosure Statement for a detailed explanation of the calculation and application of interest charges.
Interest Rates - Please see About Your Interest Rates for information on the rates that applied during this period.
Credit Advances - This subtotal includes funds advances, Amex cheques and balance transfers.
Billing Errors - If you have a complaint, problem or dispute with this statement or any charge on it, contact us immediately but in any
event within 21 days of the Closing Date of this statement. Otherwise, this statement will be considered accurate except for any amount
which has been improperly credited to the account and you may not later make a claim against us in respect of any item on this statement.
Subject to the Cardmember Agreement, if you contact us as required, we will take all reasonable and appropriate steps to provide the
information you request or attempt to resolve the dispute.
Payments - Payments may be made using the Electronic Payment Program from American Express by Pre-authorized Payment Plan, Pay
by Phone, Pay by Online Services or Pay by Voice Response and is subject to the terms, conditions and restrictions in the Electronic Payment
Program Agreement. The Pre-authorized Payment Plan is available for future statements only unless the front page of this statement
indicates you are already enrolled. Subject to the Electronic Payment Program Agreement and availability of the services, you can request a
same day payment prior to 8pm Eastern Time or schedule a future payment from your Canadian dollar deposit account. However, we may be
unable to process any payments you intend to schedule immediately following enrolment, as we require sufficient processing time to register
you into the Electronic Payment Program. To enroll, login to Online Services or call the customer service number on this statement for Pay by
Phone or Pay by Voice Response.For details visit americanexpress.ca/paymentmethods . We reserve the right without notice to restrict or
cancel availability of the Electronic Payment Program, limit the number or frequency of payments or restrict scheduling a future payment
within a certain time period or if the account is past due. Payments may be made using telephone or internet banking facilities through
participating financial institutions, at a branch or ATM. Check with your institution for processing delays. Payments will be sent by your
financial institution to us within 3 to 5 business days and your account will not be credited until we receive a payment. It is your responsibility
to make payment arrangements and ensure that sufficient funds are available in the deposit account. We will reverse a payment if it is
returned or dishonoured for any reason and a dishonoured payment fee will apply.
Recurring Charges - We update your card information with participating recurring billing merchants. Details at
americanexpress.ca/recurringcharges. Call us about your choices.
 American Express Cobalt Card
Statement of Account
Page 7 / 8

Prepared For Account Number Opening Date Closing Date

MICHAEL BRAUN XXXX XXXXX8 81008 May 25, 2025 Jun 24, 2025

Membership Rewards
Account Summary from 05/25/2025 to 06/24/2025

Previous Points Earned Bonus Points Points Adjustments Points Redeemed New Points Balance Rewards Number
Points Balance

1,618 5,295 0 0 0 6,913 CM01905383

Points Earned Card Type Card Number No. of Points

Cobalt Card XXXX XXXXX8 81008 5,295
Total Points Earned 5,295

Summary of Points on Accelerated Earn Rate Categories

Date Description Qualifying Purchases No. of Points

5 pts/$1 Eligible Food/Drink $304.98 1,521

05/25/2025 KFC/TACO BELL #1940 KFC TORONTO $11.28 56
05/25/2025 FANTUAN DELIVERY BURNABY $23.18 116
05/26/2025 KFC/TACO BELL #1940 KFC TORONTO $11.28 56
05/27/2025 FANTUAN DELIVERY BURNABY $22.85 114
05/27/2025 KFC/TACO BELL #1940 KFC TORONTO $11.28 56
05/28/2025 UBER EATS HTTPS://HELP.UB $29.00 145
05/28/2025 FANTUAN DELIVERY BURNABY $22.85 114
05/29/2025 FANTUAN DELIVERY BURNABY $22.85 114
05/29/2025 KFC/TACO BELL #1940 KFC TORONTO $11.28 56
05/30/2025 KFC/TACO BELL #1940 KFC TORONTO $11.28 56
05/31/2025 UBER EATS HTTPS://HELP.UB $29.00 145
06/03/2025 KFC/TACO BELL #1940 KFC TORONTO $11.28 56
06/04/2025 FANTUAN DELIVERY BURNABY $25.43 127
06/04/2025 FANTUAN DELIVERY BURNABY $25.43 127
06/07/2025 FANTUAN DELIVERY BURNABY $25.43 127
06/07/2025 KFC/TACO BELL #1940 KFC TORONTO $11.28 56

5 pts/$1 Eligible Food/Drink $678.40 3,393

05/25/2025 SUPER EATER SUPER EATER TORONTO $8.93 45
05/25/2025 METRO 63 TORONTO $10.19 51
05/26/2025 SUPER EATER SUPER EATER TORONTO $10.76 54
05/27/2025 METRO 63 TORONTO $14.77 74
05/28/2025 SUPER EATER SUPER EATER TORONTO $34.76 174
05/28/2025 METRO 63 TORONTO $14.77 74
05/29/2025 METRO 63 TORONTO $8.28 41
05/30/2025 SUPER EATER SUPER EATER TORONTO $7.76 39
05/30/2025 HEALTHY PLANET YONGE & TORONTO $142.40 712
05/30/2025 METRO 63 TORONTO $32.92 165
05/30/2025 FARM BOY #29 TORONTO TORONTO $15.49 77
05/31/2025 SUPER EATER SUPER EATER TORONTO $8.54 43
05/31/2025 METRO 63 TORONTO $9.64 48
05/31/2025 METRO 63 TORONTO $9.64 48
06/01/2025 METRO 63 TORONTO $12.49 62
06/01/2025 SUPER EATER SUPER EATER TORONTO $20.16 101
06/01/2025 SUPER EATER SUPER EATER TORONTO $3.71 19
06/02/2025 SUPER EATER SUPER EATER TORONTO $8.88 44
06/02/2025 METRO 63 TORONTO $11.64 58
06/03/2025 HEALTHY PLANET YONGE & TORONTO $32.02 160
06/03/2025 METRO 63 TORONTO $7.91 40
06/03/2025 SUPER EATER SUPER EATER TORONTO $6.29 31
06/04/2025 METRO 63 TORONTO $10.85 54
06/04/2025 METRO 63 TORONTO $8.28 41
06/04/2025 SZECHUAN EXPRESS TORONTO $14.63 73
06/04/2025 SUPER EATER SUPER EATER TORONTO $3.71 19
 American Express Cobalt Card
Statement of Account
Page 8 / 8

Prepared For Account Number Opening Date Closing Date

MICHAEL BRAUN XXXX XXXXX8 81008 May 25, 2025 Jun 24, 2025
Date Description Qualifying Purchases No. of Points
06/04/2025 SUPER EATER SUPER EATER TORONTO $18.70 94
06/05/2025 METRO 63 TORONTO $24.54 123
06/05/2025 METRO 63 TORONTO $21.46 107
06/06/2025 METRO 63 TORONTO $8.28 41
06/06/2025 METRO 63 TORONTO $1.91 10
06/06/2025 SUPER EATER SUPER EATER TORONTO $9.35 47
06/07/2025 METRO 63 TORONTO $6.00 30
06/07/2025 HEALTHY PLANET YONGE & TORONTO $20.78 104
06/08/2025 *RFBT-COLLEGE PARK TORO TORONTO $12.98 65
06/08/2025 METRO 63 TORONTO $9.75 49
06/08/2025 METRO 63 TORONTO $1.91 10
06/08/2025 METRO 63 TORONTO $21.67 108
06/09/2025 METRO 63 TORONTO $9.75 49
06/10/2025 SUPER EATER SUPER EATER TORONTO $6.29 31
06/10/2025 METRO 63 TORONTO $19.39 97
06/22/2025 DOMINO'S PIZZA #1056 TORONTO $16.22 81

3 pts/$1 Eligible Streaming $48.55 146

05/27/2025 APPLE.COM/BILL TORONTO $9.03 27
06/01/2025 APPLE.COM/BILL TORONTO $6.77 20
06/09/2025 APPLE.COM/BILL TORONTO $28.24 85
06/20/2025 APPLE.COM/BILL TORONTO $4.51 14

2 pts/$1 Eligible Gas/Transit/Ride Share $13.20 27

06/05/2025 PRESTO FARE/5H568298P9 TORONTO $6.60 13
06/06/2025 PRESTO FARE/5H5B46MVDH TORONTO $3.30 7
06/12/2025 PRESTO FARE/5H65G69TFV TORONTO $3.30 7

Points Earned on Accelerated Categories 5,087

Log on to your account or register for online services at membershiprewards.ca to get your up-to-date
Membership Rewards point balance, view our latest offers, and redeem for hundreds of rewards from
merchandise and gift cards to travel and more.
Any rewards activity that may have occurred on the closing date of this billing statement will appear on your next rewards
summary. Details of this activity are available via Online Services at www.americanexpress.ca or by calling the Customer
Service number on back of your Card.