EFTA01726703

DUPLICATE COPY Optima® from American Express Premed Fos JANUSZ BANASIAK Precious Skew $ 6,989.53 Total Credit Line $ 9,800.00 Credit Line Summary on 01/15/04 Points Available 1 ai.ov15mttmop64Ois!foNigtOIN :and all your,accounte"eirtglebstStrindetg.i Acocr.ct Ntsrittet CA-ton9Dsc 01/15/04 Page 1 of 8 AeNly $ Inc. 1.44tt-ncrta finance Chatr.t. New Beams Minimum Amount Due Payment Due Date 02/09/04 +137.27- a6,876.80 1 38 00 - Please refer to page 2 for important information regarding your account Available Credit Cash Advance Available Cash Line $ Limit $ Limit $ 2,923.00 8,100.00 2,923.00 Minimum Payment due by Payment Due Date. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $2,923.00. Contact us at www.americanexpress.com or call Customer Service at 1.800.635-5955. One Less Thing to Worry About this New Year Sign up to view your Account online to make sure that all your presents, gift certificates, and plane tickets are recorded and accurate. It only takes a few seconds for you to check your statement and view your most recent Account activity--you can even pay your bill online. It's a great way to help you keep track of all your spending. Sign up today at: www.amerioanexpress.com/mycardaccount Activity Infuses patio, eel Amount c U.9gtvCPKrHAIsslq9P12141 New AcveticvelifahJANUSZ BANASIAK Cud =Mc ameunt* 12/29/03 LONGHORN 167 GERMANTOWN 000306067 FOOD-BEV 12/28/03 MD 77.12 12/3603 HP PARTS/SUPPORT — GA 4395212 2087610/20/03 25.00 01/15/04 Periodic FINANCE CHARGE 35.15 Total of New Activity 137.27 Peon foe on the porforeitoteow. death ard :event, You pemel Payment Coupon Pa IAD 20876-5960 Ink II luiluld ml.lim I. I II. I had II Mail Payment to: Payment Due Date: 02/09/04 Total New Balance $ 6,876.80 Minimum Amount Due 2138.00 Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I I Continued on Page 3 Please enter account number on all checks and correspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Date. Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to all of your Card Accounts except any Corporate Card Accounts you have. O 000687680000013800 16r1r1 EFTA01726703 DUPLICATE COPY Petoarod For Accountli JANUSZ BANASIAK )000cMomm Page 2 of 8 Payments: Payments received after 12:00 noon or on weekends or hokdays may not be credited until the next business day. Payments must be in US DdlarS and drawn on a bank located in the US (other than American Express Centurion Bank), in the enclosed envelo . with the remittance stub attached and account number listed on the check. Please do not send postdated checks. They will be deposited upon receipt If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to procoss checks otedrcnicaly, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we can not collect the funds electronically at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments:By using the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, pleasevisit us at vivnitamericanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Officeor call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account Orcluding current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous bitting periods), (2) add any new transactions, decits, or fees, (3) subtract any payments or credits, and (4) make any appropriate a ustments. For each day after the first day of the billing period, we also add an amount of Interest equ to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily baknce for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the tilling period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by rounding. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. This method of calculating. the Average Daily Balance and FC results in daily compounding of FC. The minimum FC for any bang period in which FC are imposed is $0.50. Bfilling_Rtghts Summa In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if you needmore orm ion about a transaction on your bill, write us on a separate sheet of paper at the address noted to the right. We must hear from you no laterthan 60 days after we sent you the FIRST baton which the offeror problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so will not (reserve your rights. In your letter, give us the following Information: 1. Your name and account number; 2. The dollar amount of the suspected error ,-3. Describe why you believe there is an error. It you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still °Negated to pay the parts of your bill that we not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatb payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, arid you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods Or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 mites of your main; addross. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) in Case of Errors or Questions About Your Electronic Transfers: Please contact us by nicking on the Customer Service Unk online at kwnitamericanexpess.com, or you can call us at 1-800-IPAY-AXP for Pay.By Phone & Pay By Computer issues, or 1-803-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indcated on your statement. If you think your statement, receipt or transaction is wrong, please contact us as soon as possible. We must hear from you ro later than 60days after we sent you the FIRST statement on which the Nrob'em or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as Beady as you can why you believe there is an error or why you need more information. We will investigate your complaint & 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 wit have use of the money during the time 'Hakes us to comptete our investigation. Credit Balance: If a credit balance(designatedle'W) is shown on ttrs statement it represents money owed to you. You may make charges against the credt balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, wo will, within 30 days after expiration of the six-month period following the date of the first statement indicating the deaf balance, issue a check to you for the credit balance in your account if the amount is $1.00 or more. Creditor. American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1.800-518.8866. Change of Ackkosa COICCIOP icor* do not use Nacre Company Nwria Steel Add, es@ chg. Sale tp Co:10 Area Code end Horne Phone Area Code and Wok PhOne Email r Li arl I I_i_ I _t____1 1 _I 1 I -1-1- 1 1 To Pay By Phone 1.800.472.9297 Customer Service 1.800.635.5955 24 hours/7 days International Collect 1.336.393.1111 Hearing impaired (9am-5pm, EST) TTY: 1-800-221.9950 FAX: 1-800.695.9090 In NY: 1-800-552-1897 Correspondence Customer Service 777 American Expressway Ft. Lauderdale, FL 33337-0001 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing your emal address to American Express will enable you j to receive special offers, suited to your needs. EFTA01726704 DUPLICATE COPY Pup :rod FO! JANUSZ BANASIAK Acco.n: hurrIxr Closig Dab • XXXX-XXXX> 01/15/04 Page 3 of 8 Finance Charges Billing days this period: 31 Average Daily Balm= $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE P. iodic FINANCE CHARGE $ Purchases 212.12 0.0246% 8.99% 8.99% 1.62 Cash Advances 0.00 0.0520% 0.00% 18.99% 0.00 Check/Balance Transfer 6,676.40 0.0162% 5.90% 5.90% 33.53 35.15 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wan Street Journal, as described In your Cardmember Agreement as currently in effect. EFTA01726705 DUPLICATE COPY Account Nurra Kea-X)O0C< Page 4 of 8 EFTA01726706 Totals For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) www.arnericanexpress con'/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329.9785 Account Summary New Points Earned 11/01/03 - 11/30/03 MembeNtlifilleinWils Options" Monthly Statement and Program News Page 5 of 8 American Expresso Statement Period tral l }WI November 1, 2003 - November 30, 2003 Account activity attar this period does not appear on the statement snip Available Points 1,323 Points are available when charges are paid in full and all your accounts are in good standing. Opening points balance 478 New points earned +847 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 1,323 Points Activity On Bonus Points Total Posts ACtivitY Eligible Charges Awarded Per Card 847 0 847 847 0 847 Merbersilp Rev.'s's% Como pane caned rnor be inntieued a redeemed as Imp mall emceed Cad amounts are Inwood starch% Pride ramittsed a mderfrod wool be revers:0 bsk into de pros:ern. Forklift' points cast be reinstated amain by calling the number provided below. Elgbe Gudchaiists ale wirml el the Meiltershp Ravages CM= proven Terms erclCredSeas In your Mombasa° Reeved. Omsoos Gado. IS yes' Mro mesbons. pleme visit www.aimilcanexpme.conVinembershIpaavardsep0orss or call 1-800.AXP-EMS1 faM3276). From merseas, car Wiest 305-616-2199. its •iftEliSHIP .1",;?e>; ' ME Ifrg.:11P . .. -.!.. Aw r stE E &SM.)! R 8 1. 1 qt ' ' ',7-f/4ti Earn More! New ways to earn points. IMPORTANT NOTICE OF MEMBERSHIP REWARDS OPTIONS® PROGRAM CHANGES For each transfer of points into the Frequent Flyer program of a US airline, a fee of $0.0004 per two points, with a maximum fee of $50, will be charged to your Card account. We charge this fee to offset the federal excise tax we must pay on such transfers. The fee may be more or less than the actual amount of the excise tax we pay on any individual transfer. IMPORTANT NOTICE OF MEMBERSHIP REWARDS® PROGRAM CHANGES Effective March 15, 2004, 1) the fee to reinstate points forfeited for late payment will increase to $29 for each month of points reinstated, 2) for Cardmembers who cancel their Membership Rewards enrollment (or all Card Accounts enrolled in the program), but still have one Card account open, the time period to redeem accrued points will change from 6 months to 30 days, 3) for each Corporate Card linked to a Membership Rewards account with another enrolled charge Card, the additional annual fee will increase to $35. Please note important program changes. (MR Message 1290) Please note important program changes. (MR Message 6288) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726707 iiimiliOCATE COPY lavnl Nutter AllIellcan Express• rr -- ...; 11011CMOCR" 11 -. E INAR 0 Page 6 of 8 P0TTEHVBAlt N LQANTAS Spirit of Australia rze FTD.CONI ComputerAssociatess EiNDS'END DIRECT MERCHANTS Redeem Points for Pottery Barn Gift Certificates Pottery Barn, Pottery Barn Kids and PBteen are the newest Membership Rewardse partners. For sophisticated furnishings and accessories for your entire home, from your living room to your child's playroom, Pottery Bam, Pottery Barn Kids and PBteen's products are designed for style, comfort and value. Australia- 8-Night Vacations from $1,299 If you dream of an exciting vacation, redeem Membership Rewardse points for flights to Australia or take advantage of some fabulous 8-night vacation starting from $1,299. You can choose from packages including Sydney and either the Great Barrier Reef, Melbourne, Adelaide/Kangaroo Island, the Outback or Brisbane. All packages include roundtrip air from Los Angeles, air within Australia and 8 nights of accommodations. For package information, call an Australian Travel Expert at 1-877-346-5225 or visit Australia.com. 10x Points at FTD.COM® This Valentine's Day! Find the perfect way to show how much you care this Valentine's Day with specially designed FTDe bouquets including roses starting at just $39.99, gift baskets, teddy bears and other fine gifts. Pius, earn 10x Membership Rewards& points when you shop at www.ftd.com/amexpromo. Oiler ertle 133I/C4.Cannotbecorriained °Bet odors or special granorkne. Hotwid co May", watts. Tot* WA* tO•ant RCN.. Oita you must be emoted In the Metors* Rewards pogrom Grne cd purchase ard chaise Yag IRDRIDDR•SR ta erwolled Anterban Eason. Card. Bong points MI becxened to your axountratin 1042 weeks. Bonus ID: 167S. Virus Protection and 5x Pts from Computer Associates Help protect your computer from those nasty viruses and hackers with eTrust" EZ Armor" Security Suite from Computer Associates, PLUS earn 5x Membership Rewardse points when you use your Card and order from www.my-etrust.com/americanexpressrewards. Includes a full range of antivirus,firewall and privacy features with automatic updates and adjustable protection. Otter vale] lot purcimaes trail wvivi.my-etrustcom kcal 12/LOSRSD VO4. To be close to earn bonus past sou must be enrcdcd in the hiaorreFip Reward: pagran el the tine el Rochese ad charge yaw purehato b an elgIde. ovelkd Anceioan Exxon:AD Card. Bone parts wil be cradled to you/ asounl Wallin 64 weeks Cr charges nom on your btag sEMernent Bonn ID: 3591. A Gift Certificate Lets You Choose Lands' End® is a global direct merchant of classically styled apparel for men or women for work or weekend, apparel and other products for children, plus soft luggage and products for the home. To request a Lands' End catalog, call 1-800- 356.4444 or visit our Web site at www.landsend.com. For more information, visit www.americanexpress. com/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 2020) Visa americanexpress. com/rewards or call 1.800-AXP-EARN (2974276) to redeem Membership Rewards points. (MR Message 9006) Shop at ftd.corniamexpromo and earn 10x Points. (Bonus ID 1675) Get virus protection plus earn 5x points from Computer Associates at wimv.my-etrust.comf amerIcanexpressrewards (Bonus ID 3591) Redeem Membership Rewards° points today for a Lands' End gift certificate. Visit www.emerIcanexpreas. com/rewards or call 1.600-AXP-EARN (297-3276) (MR Message 6069) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726708 DUPLICATE COPY Acomi Nurtka )000(-)0000 Cfcairg Otte 01/15/04 Page 7 of 8 CustomExtrar Mortgage Rates are Still Low! If you're looleng to buy a home or to refinance your current mortgage, Mortgages from American Express' can save you hundreds of dollars a month in mortgage payments. Plus, its fast and easy to get a same-day loan decision. 'All residential mortgage loans and related services are offered and provided by and through PHH Mortgage Services. American Express does not solicit, offer, endorse, negotiate, or originate any mortgage loan products, and is neither a licensed mortgage broker nor a licensed mortgage tender. Financing provided by PHH Mortgage Services, 3000 Leadenhall Road, Mt. Laurel, NJ 08054. Arizona Residential Mortgage Licensee #BK 00010039, Licensed by the Department of Corporations under the California Residential Mortgage Lending Act, Georgia Residential Mortgage Licensee, Illinois Residential Mortgage Licensee, Massachusetts Licensed Lender #ML1653, New Hampshire First Mortgage Banker #5625-MB and Second Mortgage Home Lender #5626-MHL. Licensed by the N.J. Department of Banking and Insurance, Licensed Mortgage Banker-- NYS Banking Department, Rhode Island Licensed Lender, Minnesota. This is not an ofler to enter an interest rate lock-in agreement. Licensed First Mortgage Banker and Secondary Mortgage Lender by Pennsylvania Department of Bankng. PHH Mortgage Services is an Equal Housing Lender. Contact us today! Call 1.800-A2P-1008 or go to wave. americanexpress. corn/mortgages. Use offer code C62. (CE 104138) Sign Up for American Express® Alerts Get important information pertaining to your Account delivered to you --whenever and wherever you want. With American Express Alerts, you can choose to be notified when your payment is due, irregular account activity is detected, your payment is received and when you are approaching your line of credit/spending limit. Alerts can be sent to your e-mall address, mobile phone, pager or PDA. To sign up for Alerts, visit www.americanexpress. comfalerts. (CE 104153) Save 15% with 1-8OO•FLOWERS.COM® At 1-800-FLOWERS.COM, we've gathered together a sensational selection of thoughtful gifts to make every day a celebration! And because we love giving gifts, we offer a 15% savings to American Expresso Cardmembers on their purchases of $29.99* or more! 1-800-flowers tom_ Plain al sal IMO amino 'Terms and Conditions may apply. Visit wmtamerIcanexpress. com/offerzone to redeem this offer or call 1.800-FLOWERS. (CE 104154) Now Accepting the American Express® Card! Avdeals.com/Plasma.com - Your online source for home theater equipment For more information on plasma screens, LCD TVs and video projectors, call 1.877-722-8948 or visit www.avdeals.com. EPIC Pharmacies, Inc. - A network of independently owned pharmacies in the Mid-Atlantic region. For more information, call 1-800-965.3742 or visit our Web site at www.epicrx.com. Cartoon Cuts - An innovative children's hair salon featuring colorful decor, elephant shampoo station, games, movies, cartoons and toys. Visit us at www.cartoonouts.com. If there are other places where you would like to see the Card accepted, please call the Customer Service number that is located at the top of your statement or the number that is on the back of your Card. (CE 104086) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726709 P( tF DUPLICATE COPY roextiorlikx Page 8 c4 8 AUTOMATIC BILL PAYMENT with Americ n Express FEE-FREE American Express® Travelers Cheques! As an American Express® Cardmember, you can purchase FEE-FREE* American Express Travelers Cheques and Cheques for Twos at participating American Express Travel Services locations. Behind every Travelers Cheques is someone who can help in a travel emergency 24/7--from placing lost or stolen Cheques, to assistance with replacing lost credit cards and passports." -Not all services available at all locations. Subject to all local laws and cash availability. "Proof of Travelers Cheques purchase may be required. Credit Card Replacement Assistance is for major bank-issued credit cards only. Fees for passporVcredit card replacement are the sole responsibility of the customer. For complete Terms, call 1.800.221.7282. Travelers Cheques Buy your Fee-Free American Express Travelers Cheques before ym leave! To locate your nearest American Express Travel Services location, call 1-888-AXP-0056. (CE 104130) Get Your Tax Refund Fast With OnlineTax! This tax season, use American Express OnlineTax to file your tax return and get your refund fast! American Express OnlineTax is an easy-to-use online tax preparation program that handles federal and state income tax returns—all for 834.95 through 3/31/041 Visit www.americanexpress.com/eflle, and let OnlineTax automatically select and complete the appropriate forms, and even check for errors and omissions. By e-filing, you can take advantage of a full range of refund and payment options, including direct deposit of refund amounts. File your taxes with a name you trust with American Express OnlineTax! Try American Express OnlineTax at www.americanexpress. corn/Mlle. Online Ming is quick and easy, and speeds up your refund. Just answer the questions and let the OnlineTax program prepare your return. Only $34.96 including e-filing! (CE 104129) Pay your Bills Automatically with the Card Enjoy the time-saving convenience and added financial control of paying virtually everything from your cable and telephone bills to your newspaper subscription with the Card. Automatic Bill Payment is the simple way to consolidate your payments and make sure that your bills are paid on time, so you can avoid paying unnecessary late fees. Plus, you'll have fewer checks to write and you can stilt continue to receive a paper statement of your bill from your service provider to keep for your records. Start benefiting from the convenience and control of Automatic Bill Payment today. Call your service providers today and tell them you want your bills to be paid automatically with the Card. For a complete list of participating providers, or to learti more, visit vemarnerIcanexpress. coWebpit • (CE 104136) Fill your Wallet with Savings at Costco! You are invited to take advantage of a Costco membership offer for American Expresso Cardmembers. Sign up for a Costco membership by April 30, 2004, and receive a $10 Costco Cash card to use toward your first purchase. The sooner you join, the more you can save. Cosa, Valid for new Costco members only. Simply bring this statement into your local Costco warehouse. Costco membership is $45 per year (plus tax where applicable) and includes a free spouse card. Costco Cash card offer expires April 30, 2004. Marketing Campaign code 19243. (CE 104135) Stay with Holiday Inn® and get a $15 Lowe's Gift Card Use your American Expresso Card to book and pay for a Holiday Irmo hotel Best Breaks" package between January 15 and April 30, 2004 and you'll enjoy more than a comfortable room and free hot breakfast. You'll also receive a voucher redeemable for a $15 Lowe's Gift Card. For use at any Lowe's store for payment of purchases. Not a crediVdetit card arid has no implied warranties. Redeemable for merchandise only unless prohibited by law and cannot be used to make payments on any charge account. Unused amount can be used for future purchases. Lost or stolen Gift Cards can only be replaced upon presentation of original sales receipt for any remaining balance. It will be void if altered or defaced. Visit www.hollday-Inn.com or call 1-800-HOLIDAY or your travel agent to reserve your room and get free breakfast with Holiday Inn's Best Breaks rate. (CE 104137) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726710 DUPLICATE COPY Optima® from American Express For eitoWsearermS 6,876.80 payrnevaftbAtt -200.00 New ActivlyS Adpernorta and macs • es a sty +34.65 Accost Winter Now Balance$ -6,711.45 Claim Dab 02/15/04 emberahlp POrnt3 AVallable 3i15/04,when chargaslare paid mfilitt allSbur aceountagrelli good standing:, Minimum Amount Duo $ 134.00 Credit Line Summary on 02/15/04 Total Credit Line $ 9,800.00 Available Credit UDR $ 3,089.00 Cash Advance Limit $ 8,100.00 Available Cash Limit $ 3,089.00 Page 1 of 8 Payment Due Date 03/11/04 Please refer to page 2 for Important information regarding your account Effective March 15th, 2004 significant changes to the Membership Rewards® program will be implemented. Please refer to your Membership Rewards point summary statement for further details. If you have questions regarding these changes, please contact Membership Rewards at americanexpress.com/rewards or 1-800-AXP-EARN (297-3276). Minimum Payment due by Payment Due Date. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $3,089.00. Contact us at www.americanexpress.com or call Customer Service at 1.800-635.5955. Activity .'"frana"ret's Amounl , . , 162/04/04. :::..FAyMENTSRECEIVED•-iTHANKYOUl02104,;4% 30.0;9614 Amount $ 02/15/04 Periodic FINANCE CHARGE Total of New Activity 34.85 34.65 Please Sold oaths patean Glow. loath and Mum rah tar parried + Payment Coupon GERMANTONN MD 20876-5960 Mail Payment to: Payment Due Date: 03/11/04 Total New Balance $ 6,711.45 Minimum Amount Due $134.00 • Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 Continued on Page 3 Please enter account number on all checks and correspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Date. Note any address ancgor telephone number change on reverse side. Unless you check here, this change will apply to all of your Card Accounts except any Corporate Card Accounts you have. 000671145000013400 Marl EFTA01726711 DUPLICATE COPY Account Keripc, XXXX-X>0Oa Page 2 of 8 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located In the US (other than American Express Centurion Bank), in the enclosed envelope with the remittance stub attached and account number listed on the cNck. Please do not send post-dated checks. They will be deposited upon receipt. if payment is made in any other form or at any other location, there may be a delay in processing Wo reserve the right to process chocks electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we can not collect the funds electroncally at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments:By using the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you wil be authorizing American Express to initiate an electronic detit to the financial account you specify in the amount you request. To use Pay By Computer, please %risk us at www.americanexpress.com. Lost or Stolen Card: if the Card is lost or stolen, in the U.S. Immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying the daily periodic rate to the Average Daily Balance (as deserted below) for each feature (such as Purchase,-Cash Advance and Balance Transfer features) 01 your Account (including current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (inducing unpaid FC from previous billing periods (2) add any new transactions, debits or fees, (3) subtract any payments or credits, and (4) make any atop-opiate a ustments. For each day after the first day of the billing period, wo also odd an amount of interest equ to the previous day's dell!), balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. II this balance is negative, it is considered to be zero. Then, we add up al the daily balances for the feature for the billing period and dvide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero it you paid the New Balance if any shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the tilling period and the daily periodic rate for hat feature, the result will be the FC assessed on that feature, except for variations caused %. rounding. The total FC for the idling period is calculated by adding the FC assessed on all features of the Account. TNs method of calculating the Average Daily Balance and FC results in daily compounding of FC. The minimum FC for any billing period in which FC are imposed is $0.50. Billing Rights Summary: in Case of Errors or Questions About Your BIII: If you think your bill is incorrect, or If you needmore information about a transaction on your till,write us on a separate sheet of paper at the address noted to the right. We must hear fromyou no later than 60days after we sent you the FIRST till on which the error or problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so will not preserve you r rights. In your letter, give us the following Information: 1. Your name and account number; 2. The dollar amount of the suspected error 3. Describe why you believe there is an en-or. If you need more information, describe the hem you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to Occur. Special Rule For Credit Card Purchases: If you have a problem with the Quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your maiing address. (If we own or operate the merchant, or it we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) In Case of ErrorS or Questions About Your Electronic Transfers: Please contact us by clicking on the Custemer Service Link online at vnyw.americanexpress.00m, or you can call us at 1-8004PAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong on problem contac oon as possible. We must hear from you no later than 60 namer w accountyou the FIRST statement on which the p or error appeared. When contacting us: 1. Tell us your & number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & 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 use of the money during the time it takes us to complete our investigation. Credit Balance: If a credit balance (designated 'CR') is shown on thS statement it represents money owed to you. You may make charges against the credt balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, we wit, within 30 days after expiration of tho six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit balance in your account tithe amount is $1.00. or more. Creditor: American Express. Centurion Bank. New York residents may contact the New York Barking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8865. Change el Address if cermet on keel do no: use Name Company Name r Steel Address City. Slats Zie cove Area Cede/me Hoene Phew Area Code and Work Phone Email I L L_1_J _J To Pay By Phone 1.800.472.9297 Customer Service 1-800-635-5955 24 hoursi7 days International Collect 1436.393.1111 Hearing Impaired (gam-5pm, EST) TTY: 1.800-221.9950 FAX: 1-800-695-9090 In NY: 1 -800-552-1897 • Correspondence Customer Service 777 American Expressway Ft Lauderdale, FL 33337-0001 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing your email address to American Express will enable you j to receive special offers, suited to your needs. EFTA01726712 DUPLICATE COPY NIS Mnto Mentor )030c>C>0•CXX Cloaig Dale 02/15/04 Page3o1 8 Finance Charges Oiling days this period: 31 Average Daily Balance $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periods FINANCE CHARGE $ Purchases 255.14 0.0246% 8.99% 8.99% 1.95 Cash Advances 0.00 0.0520% 0.00% 18.99% 0.00 ChecWBalance Transfer 6,511.11 0.0162% 5.90% 5.90% 32.70 34.65 Certain of the periodc rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01726713 DUPLICATE COPY )oboc,o'bcoa Pape 4 of 8 EFTA01726714 Totals For questions about ycur Membership Rewards account, contact 1-800-AXP-EARN (297-3276) wvnv.americanexpress.com/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 Options` Monthly Statement and Program News Statement Period December 1, 2003 - December 31, 2003 Account activity atter this period does not appear on this statement We:1%rihq Rcv,vct Accorrpt &T &r Available Points 1,473 when charges are paid in ful and all your accounts are in Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 1,323 +150 0 0 1,473 New Points Earned 12/01/03 - 12/31/03 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 150 0 150 150 0 150 bleorbashp Rewards Corals mint earned may bo tea:clot/0 or co:keened as lag as al emceed Card accounts ace &mooed etwolop. Points vanslerrod or welcomed eannw be retorted brit in'e dw crowarn Forfeited points can be reinstated fore tee by piling the ixorriber provided below. Er 0ld* Card cSa-des se ginned n Ow Iternbersher Rtrarcb Oplians demon Tema and Cot in yaw C Perm& COW* Gybe you hemquest/re. pkrase eke wwwwmericaneelortswcontinwinbersbiptewardsoptions or ear 1-BOO. .EARN (2974276). From Meese s, call water 305.616-2799. Earn More! New ways to earn points. IMPORTANT NOTICE OF MEMBERSHIP REWARDS® PROGRAM CHANGES Effective March 15, 2004, 1) the fee to reinstate points forfeited for late payment will increase to 829 for each month of points reinstated, 2) for Cardmembers who cancel their Membership Rewards enrollment (or all Card Accounts enrolled in the program), but still have one Card account open, the time period to redeem accrued points will change from 6 months to 30 days, 3) for each Corporate Card linked to a Membership Rewards account with another enrolled charge Card, the additional annual fee will increase to $35. IMPORTANT NOTICE OF MEMBERSHIP REWARDS OPTIONS® PROGRAM CHANGES Effective March 15, 2004, for each transfer of points into the Frequent Flyer program of a US airline, a fee of $0.0004 per two points, with a maximum fee of $50, will be charged to your Card account. We charge this fee to offset the federal excise tax we must pay on such transfers. The fee may be more or less than the actual amount of the excise tax we pay on any individual transfer. Page 5 of 8 American Express PC7fre r b M EtafiSH9 , 1P . E 11 .5 ael • • I Please note important program changes. (MR Message 6288) Please note important program changes. (MR Message 1290) Continued on covens Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726715 rE --(ailEurope Gift Sense TOSHIBA ATE COPY New Rewards from Rail Europe New in 2004, Rail Europe will offer two new certificates in the Membership Rewards® program--explore France by train and get $100 off First Class France Saverpass, or enjoy Switzerland's scenic beauty and get $100 off First Class Swiss Saver Flexipass. You can also redeem points for other rail and hotel packages in London and Paris. American Exprent pinini• • I Paa40.$ based on two people travel rg agate; steacclearaleakg. BLOCKBUSTER® Movie Coupons! Redeem Membership Rewards® points for a BLOCKBUSTER 10-pack of movie rentals and receive hours of entertainment value! Choose from New Releases and BLOCKBUSTER Favorites® and treat your friends and family to a night at the movies! Mereserthe turn ad cerise taeltaions apply lot write t BLOCKIXISTER. See Wore cad for details. Mare cane we reckeinette a pet:were EleCKBUSTIER Wore Ioc& ELOGICOUSTER twee, *Wan and meted masks we tademvw el gicckbuser Irv. 2036 liketbetet trc Ae the seemed 1Ox Points Plus the Perfect Gift at GiftSense.com Gift Sense"' online shopping provides smart ideas and answers for every gift giving need--in one convenient place. Plus, you can earn 10x Membership Rewards® points! As a trusted partner of FTD.COM®, GiftSense.com offers secure transactions, guaranteed satisfaction, dependable delivery and quality products. Egan. MVOS. Net vald in oral sea wet otter dew Pratte price excludes diegirg. Too= taws Potts, you mg be encored n I,e Montaseip Newels prcgan al at,. tine a purchwe and dens your pitchout to an (Agee, carded American Egos* Cad. Brow pits we be ante io yctr secure wren 1002 weeks. Bonus ID: 5802. Earn Double Points on Toshiba Computer Products Shop online at www.shoptoshiba.com, your direct sourti for Toshiba computer products, and uou can earn double points every time you use your eligible, enrolled American Express® Card from 1/15/04 - 3/15/04. Choose from a wide selection of portable computers, accessories, wireless technology products, Pocket PCs, projectors, mobile server computing solutions and more. Madmen 3,000 torus pods per tannin and 10,003 ewes peals par Ulla:wear Owing peenelen pared. To nen tone pares, you reel be embed Le tie Liernbenep Ramada® peptem al the env of eed charge yew purchwe wall an eigUe, emceed Ameibeei Diernse0 Gant Dam poise rril ff reed to yaw =cowl nein 64 weeks. Donis ID: 1601. Smith & Wollensky Restaurant Group Certificates Redeem points for a $100 or $250 Certificate, valid at any Smith & Wollensky location throughout the country in New York, Miami Beach, Chicago, New Orleans, Las Vegas, Washington D.C., Philadelphia, Columbus, Dallas and Houston. In addition, visit Smith & Wollensky's six New York City concepts: Maloney & Porcelli, Park Avenue Cafe, ONEcps, The Manhattan Ocean Club, The Post House and Cite. For more information on restaurant locations, visit www.smlthandwollensky.com or call 1-877-783-2555. Page 6 of 8 To review these rewards and redeem points, visit www.americanexpress. tom/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 9172) For more information go to www. amerIcanoxpress.com/ rewards (MR Message 5192) Earn 10x Points at vnvw.gIttsense.com famexmr1 - EVERYDAY, ALL YEAR (Bonus ID 5842) Earn double points today by shopping on www.shoptoshiba.com (Bonus ID 1609) To redeem Membership rewards° points visit www.amedcanexpress. com/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 8015) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726716 DUPLICATE COPY Arcast Mater XXXX-XXXX)M Cusf maxi rag- 4Wr` CICON title 02/15/04 Page 7 of 8 7-Night Hawaiian Vacation Packages Starting at $964/Person Book a 7-night Hawaiian vacation to Oahu with American Express Travel and receive a rental car. Rates start at $964 per person at the Hilton Hawaiian Village® Beach Resort & Spa on Oahu. Price shown is per person, land only, based on 7-night double occupancy at Hilton Hawaiian Village Beach Resort & Spa In a Garden View room. Airfare Is additional and not included in the rate shown. Subject to availability at time of booking and may be changed or discontinued without notice. Cannot combine with other promotional offers. Hotel blackout dates, taxes, minimum night stays, seasonal surcharges or other restrictions may also apply. Additional packages and hotels available at higher prices. CLASSIC Imiej TI*1 rat CUSTOM 1 I VAC/.11W. Valid for booking and travel dates through 4/30/04. Rental Car valid for economy- size car with Hertz for up to 7 days--clients choosing upgraded vehicle or additional days will receive a $199 car credit toward booking. Offer requires minimum 7-night stay at participating hotels and purchase of Classic Hawaii's Change and Cancellation Waiver ($59 per adult), which is ackfitional. Call American Express Travel at 1-888-AXP-0071 to book now! American Express Travel Related Services Company, Inc. acts solely as a sales agent for travel suppliers and is not liable for the ads or actions of such suppliers. CST,* 1022318-10, TA-149 Registered Ohio Travel Agency, Washington UBla 600-469.694, MUt 1192. Call American Express Travel at 1.888-AXP-0071 to book nowl (CE 104162) Enjoy Retirement on Your Terms • Get Your FREE Guide It's never too early to start planning for retirement Today, more than ever, it's important to identify what you can do now to ensure the retirement you want in the future. That's why we're offering Cardmembers our 20-page Retirement Guide, free with absolutely no obligation. The guide contains helpful tips and strategies on topics like pensions, retirement plan rollovers, and taxes, as well as tools to help you'estimate how much you'll need in retirement and how long you can expect it to last. American Express Financial Advisors Inc. Member NASA American Express* Company is separate from American Express Financial Advisors and is not a broker-dealer. To request your free, no-obligation retirement planning guide, call 1.888.800.8696 today. (CE 104171) Splendors of Mexico. The Caribbean. Up to $150 Credit* Experience the stunning beaches of Acapulco. Dive the fascinating coral reefs of Cozumel. Go fishing with sculptures of the sea in Los Cabos. Take advantage of 10 fabulous Caribbean destinations. And, if you qualify, receive your Annual Travel Benefit--up to $150 credit! 'A Qualifying Vacation is a purchase offered by a cruise or vacation package operator through a participating American Express Travel Services U.S. location valued at $2,000 or more per booking for $100 credit or, only for Gold Card, Platinum Care & Centurion® Charge Card members, valued at $2,500 or more for $150 credit. Does not include independent air, hotel, or car rental reservations. Available once per Card account per year. May only redeem one per booking. Other material Terms, Conditions and Restrictions apply. Call a participating American Express Travel location for details at 1.866-AXP-2808. E i ar Travel American Express Travel Related Services Company, Inc. acts solely as a sales agent for travel suppliers and is net Fable for the acts or inactions of such suppliers. CST,* 1022318-10, TA-149 Registered Ohio Travel Agency, Washington UBl# 600-469.694. ML#1192 POI0: C582:0005 To purchase your vacation to Mexico or the Caribbean now, call American Evess83 Travel • - or go to W -24 ameticanexpress.com/ annualtravelbenefit. (CE 104169) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726717 DUPLICATE COPY &coact timber >00C(-)CCCC Page 8 of 8 Get MONEY Magazine for Only $9.99! For practical advice and information on how to invest, save and spend, try MONEY magazine for only $9.99 for 1 year (14 issues)--our LOWEST PRICE AVAILABLE ANYWHERE! You'll save over 82% off the cover price. Your subscription will be entered into the Preferred Subscriber's Automatic Renewal Program*. 'Preferred Subscriber's Automatic Renewal Program••Your subscription will be automatically renewed annually without intemmtion unless you tem us to stop. At the end of your initial term and before the start of each new term, MONEY will charge your American Express• Card in time to lock in the savings then in effect (current savings are 82% off the cover price). You can cancel at any time and get a full refund on all unmated Issues. money To subscribe, please call 1.888-276.2508. when placing your order you must mention American Express offer code MOBGJU7 and pay with your Card to qualify for this special offer. (CE 104222) Get Cash in the U.S. and Internationally 24/7/365 Need some quick Euros for an emergency stop over? Have a Yen for that pottery set? As an American Expresso Cardmember, you are automatically enrolled in Express Cash--a service that allows you to get cash in the local currency at over 600,000 locations both in the U.S. and internationally. There's no monthly charge, you pay only for the transactions you make. Obtaining your PIN is easy and costs nothing--simply call 1-800-CASH-NOW and ask for your Express Cash PIN. Cat 1.800-CASH-NOW (1-800427-4669) to obtain your PIN today. Please visit www.americanexpress. comfoxpresscash for more information. (CE 104242) Get Your Tax Refund Fast With OnlineTax! This tax season, use American Express OnlineTax to file your tax return and get your refund fastl American Express OnlineTax Is an easy-to-use online tax preparation program that handles federal and state income tax returns--all for $34.95, including FREE e-filing, through March 31, 20041 Visit www.americanexpress.cernietile, answer the simple questions, and let OnlineTax automatically select and complete the appropriate forms, and even check for errors and omissions. By e-filing, you can take advantage of a full range of refund and payment options, including direct deposit of refund amounts. .File your taxes with a name you trust, and enjoy the benefit of receiving a faster refund with American Express OnllneTaxl Try American Express OnlineTax at www.americanexpress. com/efikr. Online filing is quick and easy, and speeds up your refund. Just answer the questions and let the OnlineTax program prepare your. return. Only 634.95 including a-filing, through March 31, 20041 (CE 104194) Now Accepting the American Express® Card! Napster - Discover and buy music in a whole new way with Napster 2.0. To buy tracks, bum or transfer any albums, visit us at www.napster.com. Law America - A plan that provides legal protection with law firms nationwide. Benefits include trial representation. 1-800-453-9376. www.lawamerica.net. National Product Sales - NPS is focused on the customer looking for great values. Join us on the Web at www.E-NPS.com. Also check out our great values at www.NPSBookie.com. It there are other places where you would like to see the Card accepted, please call the Customer Service number that is located at the top of your statement or the number that is on the back of your Card. (CE 104197) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726718 DUPLICATE COPY Optima® from American Express P emia Pouts Avallablc 01/31/0+1When charges dusiirei 1.41s4 41M#F994V,14.000— itixoxmtrim NewMil..11$ imA4Mmethend Neekm &Wm $ Paimenl aunty RthiumChammilem New &Mt. $ amigos 03/16/04 Mthmm AremmeueS Page 1 of 12 Payment Due Date 04/10/04 Please refer to page 2 for important information regarding your =pont 6,711.45 -200.00 +32.88 =6,544.33 131.00 Credit Line Total Credit Available Credit Cash Advance Summary Line $ Line $ Limit $ on 03/16/04 9,800.00 3,256.00 8,100.00 Available Cash Limit $ 3,256.00 See Page 7 For An Important Notice See Page 9 For A Notice Ot Changes To Your Agreement See Page 11 For An Important Privacy Notice Minimum payment due by payment due date. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $3,256.00. Contact us at wvew.americanexpress.com or call Customer Service at 1-800.635.5955. Activity litje3 Calbigaa Amouni$ t23,42401A1AYmENT-TiEgEwEPIIngtARY 0:MW, 200.0_,,,04* •mountS 03/16/04 Pencgfic FINANCE CHARGE 32.88 Total of New Activity 32.88 + Pbase Won IM pobaki. z boa". &Lath and :dun we, yos payment I Payment Coupon PPM MD 20876-5960 Mail Payment to: Payment Due Date: 04/10/04 Total New Balance $ 6,544.33 Minimum Amount Due $131.00 • Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I Continued on Page 3 Please enter account number on all checks and correspondence. To avoid adchtiOnal Finance Charges on Purchases, pay New Balance before Payment Due Date. Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to all of your Card Accounts except any Corporate Card Accounts you have. 000654433000013100 17rIrl EFTA01726719 DUPLICATE COPY Account Nurbc, )000(-XXXX Page 2 of 12 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments, must be in US Dollars and drawn on a bank located In the US (other than a line of credit check issued by American Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remItarce stub attached and account number listed on the check Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments, by transmeing the amount of the check, routing number, account number and check serial number to your financial Institution. Your checking acccuM may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments:By using, the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you will be authorizing Amencan Express to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at wenv.americanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immedately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Office creel! any local Amencan Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature 'such as Purchase, Case Advance and Balance Transfer features) of your Account (inducing current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous biting periods), (2) add any new transactions, debits, cr leas, (3) subtract any payments or credits, and (4) make any appropriate adustments. For each day alter the first day of the billing period, we also add an amount of interest equal to the previous day's ditty balance multiplied by the citify periodic rate for the Mature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, ft is considered to be zero. Then, we add up all the daily balances for the feature for the bittern period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance forthe feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daly Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by rounding. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. This method of calculating the Average Daily Balance and FC results In daily compounding of FC. The minimum FC for any billing period in whch FC are imposed is $0.50. Billing Riahts Summary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address noted to the right. We must hear from you no later than 60 days after we sert you the FIRST bill on which the error or problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so wil not preserve your rights. In your letter, give us the following information: 1. Your name and account number; 2. The doter amount of the suspected error;3. Describe why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not inquestion. While we investigate yeurquestion, we cannot report you as delinqueM or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To Mop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home stale or within 100 miles of your mating address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) In Case of Errors or Questions About Your Electronic Transfers: Please contact us by eliciting on the Customer • Service Unk online at vnyw.americanexpress.com, or you can call us at 1 -800-IPAY-AXP for Pay By Phone & Pay By Computer issues, or 1 -800•CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as Soon as Possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared When contacting us: 1. Tell us your name & account number; 2. Provide the dater amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you thirk is in error, so that you will have use of the moneyWring the timed takes us to complete our investigation. Credit Balance: If a credit balance (designated "Clie is shown on this statement, it represents money owed to you. You may make charges against the credit balance or request a refund If you do not make sufficient charges against the credit balance or request a refund, we will, within 30 days after expiration of the six-month period following the date of the first statement indicating the credit balance, issue a cheek to you for the credit balance in your account if the amount is $1.00 or more. Creditor: American Express Centurion Bank or American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative :fisting of credit card rates, fees and grace periods bycalling 1-800-518-8866. Change of Address a cooed on Iront *opium Name Ccerpantr Nate Street Adiroos Qty. State z7 Cade Area Code rd Horne Phoro Area Code ant Work Phone End r I I - TT 1 I J_ 6 To Pay By Phone 1-800472-9297 Customer Service 1-800-635-5955 24 hours/7 days International Collect 1.336.393-1111 Hearing Impaired (gam-5pm, EST) TTY: 1.800.221.9950 FAX: 1-800-695-9090 In NY: 1.800.552.1697 Correspondence Customer Service 777 American Expressway Ft. Lauderdale, FL 33337-0001 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing your email address to American Express will enable you to receive special offers, suited to your needs. EFTA01726720 DUPLICATE COPY MIS fcccurt Nutter aOlifg DrN XXXX-XXXXX_ 03/16/04 Page 3 of 12 Finance Charges Billing days this period: 30 Average Daily Balance $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periods FINANCE CHARGE $ Purchases 257.07 0.0246% 8.99% 8.99% 1.90 Cash Advances 0.00 0.0520% 0.00% 18.99% 0.00 ChecWBalar.ce Transfer 6,373.68 0.0162% 5.90% 5.90% 30.98 32.88 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wail Street Journal, as described in your Cardmember Agreement as currently in effect EFTA01726721 Pr ed Fa Scan DUPLICATE COPY Vocis:wit>otooME Page 4 of 12 EFTA01726722 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3278) www.ameticanexpress.com/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329.9785 MembePROPITeilifits Options- Monthly Statement and Program News Page 5 of 12 4nsi•rican Exrr co Statement Period January 1, 2004 • January 31, 2004 Account activity after this period does rot appear on This statement Lrarbersbn newwd t Acocurtt imbue Available Points 1,575 Points are availed* when charges are paid in lull and all your ascounts are in good standing. Account Summary Opening points balance New points earned Points transferred or redeemed , Reinstated points and adjustments New points balance 1,473 +102 0 0 1,575 New Points Earned 01/01/04 • 01/31/04 Points Activity On Bonus Points Total Points '40v:1y Eligtie Charges Awarded Per Card Totals 102 0 102 102 0 102 SPrntett o Rowan:I:Options pants earned may be transferred or redetrred as lone as as errant Cad accoune are in 'peed strong. Pairs owebardourdeunol c.wcl be rewindbook knobs PotOrarn Forfeited points can be retratated tar a fee by calling Ile number provided below/. Eligal•Cad thug), aro cadre:din the Mambas* Per/ads Opens P107arn Turn, 1`rd Contacra fr Ka Usenterc1TP Rereads Gybing G a. N you homequest:a pease via WWW.aM4Hcanorpross.contlmemberthipreWaidsoptIons or cad 1400.AXP-EARS/1297.3276). From PAM" eta coke 30€41b2709. THE SHARPER IMAGE Earn More! New ways to earn points. Important Notice of Membership Rewards® Program Changes Effective May 1, 2004, eligible Cardmembers will no longer accrue two Membership Rewards points for virtually every dollar charged at stand-alone hardware and home Improvement stores. Instead, Cardmembers will accrue one point for every dollar charged at such stores. Proyam changes apply only to Rebont (leen & Gott Praierred Rewards G100.1 & God. Rewards Pls Gc Flarterr Cords. Carttsionta Cord Gott Amtrak CPIS Ftnantia: ktaurit Flaw Card Mtn Fannre'a.1.9.znicen Cad Feleky Amorioan Express Green. God and Flatiron Cads. EldtleCare.merreess tell contest* to prom twopeas ter e% dollar chsged 0 the U.S. al catate0 dad-alone SvplandkCa. dna:nieces, ga.: xl.thon, the Us. Patti ad la **ekes phone Ni parson. Sok pachumd ueettiact Into art* only ono Ora per dollar. Earn 5x Points from sharperimage.com ALL YEAR! Sharper Image offers innovative products for the home, office and travel that make life easier and more enjoyable. PLUS, you can earn 5X Membership Rewards• points for every dollar you spend when you shop at www.sharperimage.com/amexbonus. OfOr vas ONLY viten you go to www.sturperimage.conVameabonus bictO 123b04. To earn bonus pone, you =Ube °breed In Pa hranbefelipRefewes program or the ems a pi:chase4rd change your ',memo loan edge* intokd Arrencon Ewen. Card. Not valid b Haw, phenanal crdcls a lar Me %um troapoduCttan Otte In swat Bonus paints w2 be awarded within 10.12 weeks Bonus ID: 1016 (MR Message 6195) Shop today at envw.shatperimage. com/amexbonus and earn 5x points. (Bonus ID 1076) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726723 American Express* STARWOOD PREFERRED GUEST Smith&Hawken SpaFndee Bud et. DIE STEAKHOUSE ATE COPY S at r scz menitsensmir A E 115 ! A- rit;2 A. Get More for Your Travels with Starpoints"! Starwriod's award-winning Starwood Preferred Guests program has been voted best hotel program three years in a row by frequent travelers. As a Starwood Preferred Guest, you'll earn valuable Starpoints redeemable for free nights, free flights, and more. Starwood has more than 750 hotels, including Westin® Hotels & Resorts, Sheraton® Hotels & Resorts and W Hotels®. And, with True Redemption", there are no blackout dates or availability restrictions on award stays. 1.030 ManixioNp Roteatam paints equal 333 c4xpcintron. Celebrate Spring with Smith & Hawken! 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From Anchorage to Zimbabwe, Budget's got you covered with more than 3,000 locations worldwide. Budget offers one of the newest fleets in the car rental industry, with over 70% of its rental cars less than six months old. Redeem for a Budget certificate starting at just 5,000 Membership Rewards® points. Morton's, The Steakhouse Certificates Morton's always makes dining a night to remember, tempting food lovers with abundant portions of USDA prime aged beef, fresh seafood, hand-picked produce and tempting desserts. Morton's is well known for its unparalleled 6 service and legendary hospitality--setting the standard for fine steakhouse dining. Redeem Membership Rewards® points for $100 and $250 certificates for the ultimate dining experience at one of the 64 Morton's restaurants worldwide. Page 6 of 12 To transfer Membership Rewards points to Starpoints, simply go to ameficanexpress.com/ rewards or call 1.800-AXP-EARN (297-3276). (MR Message 4288) To redeem points for a $50, $100, cr $200 Smith & Hawken Gift Card, go to www.amedcanexpress. corn/rewards or call 1.800-AXP-EARN (2974276) (MR Message 1075) Visit www.spafinder.com or call 1488-ALL-SPAS and start earring double points! (Bonus ID 6441) To redeem for a Budget certificate, simply go to vivnv.amedcanexpress. comfrewards or call 1-800-AXP.EARN (297-3276). (MR Message 6225) To redeem, visit vivniamericanexpress. corn/rewards or call 1.800-AXP-EARN (297.3276). For locations visit www.mortons.com or call 1.866-MORTONS (6674667). (MR Message 9034) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726724 DUPLICATE COPY Accost tarty CboiNa Dale 03/16/04 Page 7 of 12 NOTICE OF PROPOSED CLASS ACTION SETTLEMENT AND HEARING THEREON Christopher Boehr vs. American Express Centurion Bank, et al, Superior Court of the State of California for the County of Los Angeles, Case No. BC 256499 TO: All current or former holders of credit cards or charge cards Issued by American Express Travel Related Services Company, Inc. or American Express Centurion Bank, or any of their subsidiaries or affiliates or any of their predecessors (collectively, "American Express"), who at any time between August 22, 1995 and January 27, 2004 either (1) incurred finance charges or (2) incurred a late fee within one day of the posting of a payment to their account (hereinafter, "Settlement Class"). THIS NOTICE MAY AFFECT YOUR RIGHTS - PLEASE READ IT CAREFULLY This Notice summarizes a proposed class action settlement relating to your credit card or charge card account(s) with American Express. On January 27, 2004, this Court gave preliminary approval to the Settlement. The purpose of this notice is to describe the proposed Settlement to you and advise you of your rights. Description of the Litigation On August 21, 2001, plaintiff Christopher Boehr ("Plaintiff") filed a class action complaint (the 'Boehr Action') against American Express alleging that Settlement Class members incurred additional finance charges and late fees not authorized by their agreements with American Express when their payments were received by American Express after noon or on weekends or holidays because the payments were not credited until the following business day. American Express denies any wrongdoing, and has asserted numerous defenses to both liability and damages. Among other things, American Express contends that its payment crediting practice is expressly authorized by its agreements with Settlement Class members. Nevertheless, American Express has agreed to the proposed Settlement solely to avoid the burden of further litigation. Plaintiff believes that the claims asserted In the litigation have merit, but that the proposed Settlement is fair, reasonable and in the best interest of Settlement Class members given the risk and expense of further litigation. The Court has scheduled a hearing on July 30, 2004, at 8:30 a.m. in Department 324 of the Los Angeles County, California Superior Court, located at 600 S. Commonwealth Ave., Los Angeles, Califomia 90005, to consider whether to grant final approval of the Settlement. Terms of the Proposed Settlement If the Settlement receives final approval, American Express will provide the following relief to the Settlement Class: Monetary Consideration. American Express has deposited $8,200,000 into an interest-bearing escrow account (with interest, the 'Settlement Contribution'). After payment from the Settlement Contribution of escrow costs, Class Counsel's fees and costs and the incentive award approved by the Court, American Express will credit or pay (as applicable) to each member of the Settlement Class a proportional share of the Settlement Contribution provided that such member's account has not, at any time prior to the date the Settlement Contribution is distributed, been written off by American Express and/or been in collection and/or been sold for purposes of collection. Distributions from the Settlement Contribution for corporate accounts will be paid to the corporate holder of the account rather than the individual card holders. Distributions will be made automatically for Settlement Class members whose accounts are open or who are receiving periodic statements. Settlement Class members whose accounts are closed and who are not receiving periodic statements must submit a timely and properly completed Claim Form in order to receive a distribution from the Settlement Contribution. tf you received this notice with your periodic statement, you need not submit a claim form. Non-Monetary Consideration. American Express will amend its cardmember agreements to clarify that payments received after noon or on weekends or holidays may not be credited until the following business day. American Express also will agree to continue at least until January 27, 2006, its existing practice of not assessing late fees on revolving credit card accounts for payments received within 24 hours of the payment due date, unless there is a change in substantive law preventing maintenance of this grace period. Attorneys' Fees. At the final approval hearing, Class Counsel will make an application to the Court for an award of attorneys' fees and costs in the amount of $3,000,000 plus a proportional share of net Interest on the Settlement Contribution. American Express will pay attorneys' fees and costs awarded by the Court not to exceed this amount. The attorneys' fees and costs will be paid out of the gross Settlement Contribution. American Express will also pay a reasonable and customary incentive award, in an amount awarded by the Court, but not exceeding $10,000, to Plaintiff. Based on their substantial investigation and discovery in the action, Class Counsel believe that the Settlement is fair, reasonable and in the best interests of Settlement Class members. Your Rights If the Settlement receives final approval, each member of the Settlement Class who has not obtained proper and timely exclusion from the Settlement Class, their respective heirs, executors, administrators, representatives, agents, attorneys, partners, successors, predecessors-in-interest, assigns, and any authorized users of their accounts will be deemed to have fully released and forever discharged American Express, its present, former and 8P/MU/GCB/0304 15047 EFTA01726725 DUPLICATE COPY Page 8 of 12 future direct and indirect parent companies, affiliates, subsidiaries, agents, successors, predecessors-in-interest and/or any financial institutions, corporations, trusts or other entitles that may hold or have held any interest in any account or any receivables relating to any account, or any receivables or group of receivables, or any interest in the operation or ownership of the American Express Company and all of the aforementioneds' respective officers, directors, employees, attorneys, vendors (including processing facilities) and assigns, from any and all rights, duties, obligations, claims, actions, causes of action or liabilities, whether arising under local state or federal law, whether by statute, contract, common law or equity, whether known or unknown, suspected or unsuspected, asserted or unasserted, foreseen or unforeseen, actual or contingent and liquidated or unliquidated, as of the date of Final Judgment: (1) that arise out of or are related in any way to any or all of the acts, omissions, fads, matters, transactions or occurrences that were or could have been directly or indirectly alleged, asserted, described, set forth or referred to in the Boehr Action and relating in any way to posting and/or crediting of payments on accounts (including but not limited to claims for alleged violations of the Truth in Lending Act (including the Fair Credit Billing Act), state consumer credit or consumer protection statutes, common law prohibiting unfair or deceptive trade practices, breach of contract, fraud and misrepresentation); (2) that are, were or could have arisen out of or been related in any way to the Released Parties' practices or disclosures relating to the posting and/or crediting of payments on accounts (including but not limited to claims for finance charges or late fees); or (3) that relate to the administration of the Settlement. The releases identified in this paragraph shall be referred to as the Released Claims, and the parties released shall be referred to as the Released Parties. Without limiting the foregoing, the Released Claims specifically extend to claims that the members of the Settlement Class do not know or suspect to exist in their favor at the time that the Settlement, and the releases contained therein, becomes effective. This paragraph constitutes a waiver of, without limitation as to any other applicable law, Section 1542 of the California Civil Code, which provides as follows: A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR. If you do not wish to participate in the Settlement, you may exclude yourself from the Settlement Class ('OPT-OUT') by sending a letter to Boehr Settlement Administrator, P.O. Box 1692, Faribautt, MN, 55021-1692, postmarked by no later than July 15, 2004. The letter must be signed and must include your full name, address and account number(s). The request must also state: "l/we request to be excluded from the Settlement in Doehr vs. American Express Centurion Bank. et al., Los Angeles County Superior Court Case No. BC 256499: By electing to 'OPT- Our: (I) you will DQI share in any distribution of the Settlement Contribution; (ii) you will not be bound by any further orders or judgment entered for or against the Settlement Class; and (III) you will preserve your ability to independently pursue any claims you may have against American Express by filing your own lawsuit at your own expense. DO NOT WRITE REQUESTING EXCLUSION IF YOU WISH TO RECEIVE A SHARE OF THE SETTLEMENT CONTRIBUTION. Any Settlement Class member may appear at the hearing to argue that the proposed Settlement should not be approved and/or to oppose the applications of Class Counsel for attorneys' fees and costs and the incentive award. However, In order to be heard at the hearing, you must make any objection in writing and file it with the Court no later than July 15, 2004. The objection must also be mailed to each of the following and postmarked on or before July 15, 2004: Class Counsel: Brian R. Strange, Strange & Carpenter, 12100 Wilshire Blvd., Suite 1900, Los Angeles, CA 90025; Counsel to American Express: Scott M. Pearson, Stroock & Stroock & Levan LLP, 2029 Century Park East, 18th Floor, Los Angeles, CA 90067. How To Obtain Additional Information For more detailed information, you may review the Court's file during regular court hours at 600 S. Commonwealth Ave., Los Angeles, California 90005. You also may obtain a copy of the full settlement agreement by logging on to vwuw.boehramexsettlement.com or by calling 888-568- 7650, and you may contact Class Counsel at the address set forth above. PLEASE DO NOT CONTACT THE COURT OR AMERICAN EXPRESS. This notice provides only a summary of matters relating to the Settlement. You may seek the advice and guidance of your own private attorney at your own expense if you:wish. : Dated: 1/27/2004 /s/ The Honorable Victoria Chaney Judge of the Superior Court BPRAUtOCI1O304 T5047 EFTA01726726 DUPLICATE COPY Axount Minty Clcoirg Dais 03/16/04 Page 9 of 12 Notice of Changes to Your Agreement We are making Important Changes to your American Express Cardmember Agreement governing the American Express. Card Account identified on this Notice. We urge you and any Additional Cardmembers on your Account to read this Notice carefully. The changes made to the Cardmember Agreement will become effective as indicated below. This Notice formally amends that Agreement and any contrary or conflicting language in that Agreement is replaced fully and completely. Note that the terms of your Account are subject to change (including increasing APRs and fees and changing fixed APRs to variable APRs) in accordance with the Agreement governing your Account. Al terms of the Agreement not amended herein remain in full force and effect. This is an Important Notice of changes to your American Express Card Account Agreement. We recommend that you carefully review the changes, and then file this Notice for future reference. If you have questions regarding this Notice, please call the telephone number listed on the back of your American Express Card. Over4imit Fee (Effective with billing periods ending on or alter May 8, 2004) We are Increasing the Over-rimit Fee to $35 if you exceed the total credit line on your Account. Accordingly, we are amending the Other Fees section of your Cardmember Agreement by replacing the "$29' applicable to Over-limit Fees with "$35.' Dishonored Payment Fee (Effective May 8, 2004) We are increasing the fee to $38 whenever any check similar instrument, electronic payment order that we receive, or a check presented at an American Express Travel Services Office or other authorized location is not honored by your bank or other financial Institution. Accordingly, we are amending the Other Fees section of your Cardmember Agreement applicable to Dishonored Payments by replacing "$29' with "$38.' We are also replacing the '$29' with 138" in the Payments for Cash Transactions section of your 'Agreement between Cardmember and American Express Travel Related Services Company, inc. Concerning Electronic Funds Transfer Services." Balance Transfer and Convenience Check Fee (Effective May 8, 2004) We are adding a fee on Balance Transfers and convenience checks posted to the Cash Advance balance. We will impose a transaction fee equal to 3% of the amount of the Balance Transfer or convenience check, with a $5 minimum and no maximum for all convenience and Balance Transfer checks posted to the Cash Advance balance. Accordingly, your Cardmember Agreement is revised to substitute the section entitled Convenience Check Usage/Balance Transfer Transaction Fee, included in the Other Fees section, with the following section: 'Unless otherwise disclosed in a Promotional Offer, we will charge a transaction fee for each Balance Transfer and each convenience check drawn on your Account. This fee, a Finance Charge, will be 3% of the amount of the convenience check cr Balance Transfer, with a minimum of $5 and a maximum of $50. However, no maximum will apply to the fee for Balance Transfer or convenience checks made payable to cash or to you, a bank, brokerage or similar asset account. This fee will be added to the same Purchase or Cash Advance balance as the convenience check transaction or Balance Transfer.' Fee for Copies of Statements (Effective May 8. 2004) We are increasing the fee for copies of billing statements to S5 per statement copy requested. Accordingly, we aro amending the Other Fees section of your Cardmember Agreement applicable to copies of statements by replacing "Sr with-$5." APR Applicable to Accounts (The changes in those sections will become effective as noted below) We are amending the Finance Charges section of your Cardmember Agreement as follows: Determinina the Prime Rate Applicable to Your Accp_unt Effective with billing periods ending in June 2004, we are changing the timing of when we determine the Prime Rate used to calculate the variable APRs applicable to your Account to the higher of the 1st or 25th day of the month prior to the month in which your billing period ends. pPR Applicable to Accounts in Default: Effective with billing periods ending in June 2004, we are changing the Default Rate from a fixed APR of 23.99% to a variable APR equal to the Prime Rate plus 21.99%. This change will apply to Accounts that are at the Default Rate as of the effective date as well as Accounts that go into default in the future. APRs for Failure to Pay on Time' (I) Effective with billing periods endng on or after July 15, 2004 we are increasing the APR for Purchases for Cardmembers who fail to make a timely Minimum Payment. If you fail to pay the Minimum Amount Due by the Payment Due Date on time once, but not more than once in a twelve month period, the APR WI be 17.99% (unless a higher APR applies pursuant to any provision of your Cardmember Agreement). This APR will be applied until a minimum of twelve billing periods have passed without any failure to pay on time (assuming you have not triggered any other criteria for application of a higher APR under the Agreement). (ii) Effective with billing periods ending in May 2004, we are also revising the circumstances in which the Default Rate yid] apply to your Account. Accordingly, we are replacing subsections C and D of the Finance Charges section of your Agreement with subsections C, 0 and E as follows: 'C. Notwithstanding the foregoing, the APR for Purchases will be equal to 17.99%, with a DPR of .0493%, a in any Review Period any portion of any Minimum Payment on your Account is not made by the Payment Due Date. BP/OP5FYI/0304 EFTA01726727 DUPLICATE COPY Pr WPCS Page 10 of 12 D. The "Prime Rate" is determined once with respect to each billing period, and applies to the entire billing period. The Prime Rate for billing periods ending in any calendar month is the highest Prime Rate published in the Money Rates section (or successor section) of The Wall Street Journal on the 1st or 25th day (or, in each case, if such date is not a business day, the next business day) of the prior calendar month. If The Wall Street Journal ceases publication or does not publish the Prime Rate on ether of those dates, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York, or we may substitute a similar reference rate at our sole discretion. E. Notwithstanding the foregoing, the DPR (and corresponding APR) on all balances will Increase to the Default Rate if during the Review Period (I) payment of your Minimum Amount Due is not credited to your Account by the Payment Due Date in any two billing periods, (ii) a payment on your Account is not honored by your bank or other financial institution, or (iii) you exceed any designated credit limit on your Account three or more times. The "Review Period" is the period, constituting approximately one year, of twelve consecutive billing periods ending with the Closing Date of the current biting period, whether or not you received a statement for each such billing period. If the Default Rate is rippled, it will apply to your Account for a minimum of twelve consecutive billing periods, beginning with the current billing period. The Default Rate Is a OPR which corresponds to an APR equal to the Prime Rate plus 21.99%." Monthly Payment-Minimum Amount Due (Effective with billing periods ending In June 2004) We are changing the calculation of the Minimum Amount Due on your Account. In some cases, as described below, we will increase the MINIM= Amount Due by $15. Accordingly, we are replacing the third paragraph of your Agreement entitled Billing Statements/Minimum Amount Due with the following: 'Each billing statement will reflect a Minimum Amount Due. Payment is due by the time and date shown and in the manner prescribed on the statement. To calculate the Minimum Amount Due we will add together the following: (1) any amount past due; (2) the greatest of: a) 1/50th of the New Balance on the Closing Date of the bllkng statement (the calculation of which is rounded to the nearest whole dollar) (for purposes of this calculation we exclude from the New Balance any over-emit fee added to your Account during the billing period), b) the current billed Finance Charges, or e) $15 (or the New Balance if it is less than $15); and (3) any over-limit fee added to your Account during the biting period. If the greatest of the three calculations in section (2) above is the current billed Finance Charges, then we will add $15to the calculation of the Minimum Amount Due. At our option, we may also include in the Minimum Amount Due all or part of other fees incurred during the takrig period and any part of the New Balance in excess of your credit line. The Minimum Amount Due will not exceed the New Balance. You may pay more than the Minimum Amount Due, up to the entire outstanding balance, at any time' Other Important Information About Your Account Annual EFT Error Resolution Notice This notice is to inform you about how you should notify us of errors or questions regarding any electronic fund transfers you initiate using your American Express Card or electronic payments you make to American Express using Pay By Phone, Pay By Computer, or any other American Express electronic payment service. In case of errors or questions about your Electronic Transfers, please telephone us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer questions, and at 1-800-CASH-NOW for Express Cash and Automatic Payment questions. AltematNely, you may write to us at the Express Cash Operations address indicated on your biting statement or E-mail us by clicking on the Customer Service Link online at wvnv.americanexpress.com. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared or question arose. When you contact us, please provide the following Information: (1) Tell us your name and account number. (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 date and dollar amount of the suspected error. If you ten us orally, we may require that you send us your complaint or question in writing within 10 business days of the call. We will determine whether an error occurred within 10 business days and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide we need up to 45 days, we will credit your account within 10 business days 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. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BP/OP5FYI/0304 EFTA01726728 DUPLICATE COPY &roan timber 044 03/16104 Page 11 of 12 Min An Important Notice Concerning Cardmember Privacy This Privacy Notice is addressed to United States holders of personal American Express Charge Cards or accounts, Optima Cards or accounts, and other personal credit card accounts that we issue, and to United States holders of business charge and credit cards from OPEN: The Small Business Network'' from American Express. This Notice explains how we collect and safeguard information about you and how to tell us your opt out choices. In this Notice, American Express Travel Related Services Company, Inc., American Express Centurion Bank, and American Express Bank, FSB are called 'American Express,' "we,"our," and "us." The cards and accounts that we issue arecalled 'Cards" or "Card accounts." Holders of those Card accounts are called "Cardmembers- or "you." 'Affiliates" refers to other companies in the American Express family, related to us by common control or ownership. What Information Do We Collect? We obtain information about you from a variety of sources. You provide us with information about yourself, for example by completing Card applications. This includes your name, address, social security number, and income and asset information. Your use of the Card and your other transactions with us and our Affiliates provide us with additional information, such as your spending and payment history. Other sources, such as credit reporting agencies and providers of marketing information, furnish us with additional information about your credit history, purchasing preferences, and other matters. We also obtain information in connection with our efforts to protect against fraud. We call all of this information 'Cardmember Information." What Do We Do with This Information? We use Cardmember Information in connection with delivering products and services to you. To do this it is often necessary to share it with our Affiliates and other companies we work with. These include companies that manage Card accounts, offer affinity, frequent-user, and reward programs, companies that perform marketing services and other business operations for us, and companies whose products or services are provided as a benefit of your Card account We may also share Cardmember Information with other financial institutions with whom we jointly offer products and services. And we may disclose it to other third parties as permitted by law. For example, we disclose Cardmember Information in response to subpoenas, to credit reporting agencies, and to help prevent fraud. Your Opt Out Choices You have "opt out" choices about offers that may be sent to you and how those offers may be delivered to you. You may also opt out from certain disclosures of Cardmember Information. Your opt out choices and how to opt out are explained below. Offers for Products and Services. of Other Companies We work with other companies, such as merchants that accept the Card, so that you may receive offers for their products and services. We use Cardmember Information to help make these offers more relevant and valuable to you. If you respond to one of these offers, the other company will know certain information about you, such as your name, that you are a Cardmember, and that you met the qualifications established for the offer. Your choice: You may opt out from receiving these offers by calling us at 800-297-8378 or by filling out the attached form and returning it to the address on the form. You may also include the form with your regular payment. Please Note: You may receive additional privacy notices that provide information and different opt out Card accounts that are applicable only to those accounts. Please complete this form if you choose to opt out and wish to mail your response rather than use the toll-free number, which is 800-297-8378. If you have already given us your choices, you don't need to respond unless you want to change your choices. Return this form to American Express along with your payment coupon using the payment envelope enclosed with your statement Offers for Products and Services of Other Companies O Do not send me offers for products and services of other companies. Credit Information Provided to Our Affiliates Do not share credit-related Information about me (except as described in this Notice) with American Express Affiliates. Offers for American Express Products and Services K Mail: Do not mail me offers for American Express products and services. O Telephone Offers: Do not contact me by telephone to otter me products and services. choices for other If you do not have a payment envelope, mall your response to: American Express Cardmember Information Services P.O. Box 299836 Ft. Lauderdale FL 33329-9836 MU/1LE/0304 FDR 706671 T5047 EFTA01726729 DUPLICATE COPY Page 12 of 12 Offers for American Express Products and Services Mall Offers We may mail you offers for American Express products and services. Your choice: To opt out from receiving these mailings, call us at 800-297-8378 or fill out the attached form and return it to the address on the form. You may also include the form with your regular payment. Telephone Offers We may contact you by telephone about our products and services or those that we offer with our business partners. Your choice: To opt out from receiving telephone offers, call us at 800-297-8378 or fill out the attached form and return it to the address on the form. You may also Include the form with your regular payment. Information We Share with Our Affiliates Our Affiliates include financial advisors, publishers, insurers, and travelers cheques Issuers. American Express Travel Related Services Company, Inc., and American Express Centurion Bank, and American Express Bank, FSB are Affiliates of each other. We may disclose certain Cardmember Information to our Affiliates to provide services for your Card account and to develop and send you offers for their products and services. We are permitted by law to share with our Affiliates information about our transactions and experiences with you, such as your payment history. But you can opt out of our sharing with our Affiliates other credikelated information (such as your credit history as shown on a consumer report). Your Choice: To opt out from our sharing credit-related information with our Affiliates (except as permitted by law) call us at 800-2974378 or fin out the attached form and return it to the address on the form. You may also indude the form with your regular payment. E-Mail Offers We may send you e-mail offers for our products and services, and those of our Affiliates and other companies we work with. We don't share e-mail addresses with other companies for them to market their own products and services to you. Your choice: To opt out from receiving these e-mail otters, enter your preferences at the 'Set E-Mail Preferences' page of our Internet Privacy Statement at www.americanexpress.com/preferences. Additional Information About Your Opt Out Choices If you are the primary Cardmember on your Card account, your opt out choices will also apply to any other Cardmembers on your Card account. If you opt out, we may still include notices and information about the Card and other products and services when communicating with you about your Card account and related products and services. Information Security We take commercially reasonable physical, electronic and procedural steps to help safeguard Cardmember Information. Former Customers If you cancel your Card, or your Card account(s) are closed, we will continue to treat and safeguard Cardmember Information about you as described in this Notice. For Vermont Cardmembers Only If your Card account has a Vermont billing address, we will automatically treat your account as if you had checked the lower-left hand box on the attached opt out form. We may share your name and contact information, and information about our transactions or experiences with you, with financial institutions with whom we Jointly offer financial products and services and with our Affiliates. This Notice describes opt out choices about certain other uses of Cardmember Information. MU/ILE/0304 FDR 706671 T5047 EFTA01726730 DUPLICATE COPY Optima® from American Express Proviouo Ranee $ Pelmentk$M$ New Adrily$ Achtenerts ced Force Charge, d any Account Nunbet New ewers $ Oceing0ok, 04/15/04 Minimum Amount Dees Page 1 of 8 Payment Due Date 05/10/04 Please refer to page 2 for important information regarding your account 6,544.33 -200.00 +32.03 =6,376.36 128.00 Credit Line Summary on 04/15/04 Total Credit line $ 9,800.00 Available Credit Line $ 3,424.00 Cash Advance Limit $ 8,100.00 Available Cash Limit $ 3,424.00 Minimum payment due by payment due date. Pay your bill online anytime, anywhere at www.americanexpress.com/paybIll. Your cash advance limit Is $8,100.00. Available balance for new cash advance transactions is $3,424.00. Contact us at www.americanexpress.com or call Customer Service at 1.800.635-5955. Sign Up for Account Alerts from American Express Get important information pertaining to your Account delivered to you--whenever and wherever you want. With Account Alerts from American Express, you can choose to be notified when your payment is due or when it is received, when irregular account activity is detected or when you are approaching your line of credit/spending limit. Alerts can be sent to your e-mail address, mobile phone, pager or PDA. Visit www.americanexpress.com/alerts. Activity ndcafk"elina Amount S 411fl 'AVOIRONSVRIiPSYAMAMV, 2200,41% Anent S 04/15/04 Periodic FINANCE CHARGE 32.03 Total of New Activity 32.03 Pt•-no fed on Ws cerfo:Wor belts; cletath era NeXT, w311 your pigment Payment Coupon SIM GER dIANT WN MD 20876-5960 Mail Payment to: Payment Due Date: 05/10/04 Total New Balance $ 6,376.36 Minimum Amount Due $128.00 Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33396-0002 I Continued on Page 3 Please enter accomt number on all checks and correspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Date. Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to all of your Card Accounts except any Corporate Card Accounts you have. n 000637636000012800 16rirl EFTA01726731 DUPLICATE COPY Min Amorist Nsrox• XXXX-XXXX) Page 2 of 8 Payments: Payments received after 12.00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Centurion Bank or American Express Bank, FS8), in the enclosed envelope with the remittance stub attached aid account number listed on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other farm or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot ()Sleet the funds electronically at first presentment, we may issue a daft against your account for the amount of the check. Authorization for Electronic Payments:By using, the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express to initiate an electronic debit to the financial account you specify In the amount you request. To use Pay By Computer, please visit us at iwnv.americanexpressoom. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying the daily periodic rate to the Average Daily Balance (as desaibed below) for each feature (such as Purchase, Gash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance for each feature, we (1) take the begnning balance for the feature each day (including unpaid FC from previous billing periods), (2) add any new transactions, debits, or fees, (3) subtractany payments or credits, and (4) make any appropriate adjustments. For each day after the first day or the billing period, we also add en amount of Interest equal to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beemniat balance for the feature for the next day. If this ce balan is negative, it is considered to be zero. Then, we add up all the d balances for the feature for the biling period and dvide the total by the number of days in the billing period. This gives us tthe Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if ypu paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the Oiling period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused ppvv roaming. The total FC for the biding period is calculated by adding the FC assessed on all features of the Account. 71(s method-of calculating the Average Daily Balance and PC resufts In daily compounding of FC. The minimum FC for any billingfericd in which FC are im_ posed la $0.50. Billing Riahts umm. iv: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if you need more information about a transaction en your bin, write us on a separate sheet of paper at the address notedto the right. Wo must hear from you no later than 60 days after we sent you the FIRST bill on which the error or problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so MI not preserve your rights. In your letter, give us the following information: 1. Your name and account number; 2. The dollar amount of the suspected error; 3. Describe why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are stil obligated to pay the pacts of your bal that are not in question. While we investigate your question, we cannot report you as delinquent °flake any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem wAh the quakty of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount duo on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 lilies of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all mrchases are covered regardless of amount or location of the purchase.) In Case of Errors or Questions About Your Electronic Transfers: Pease contact us by clicking on the Customer Service Link ontne at www.americaneveess.com, or you can cal us at I.800-IPAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOWfor Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you we unsure of, & explain as clearly as you can is why you believe there an error or why you need more information. We will investigate your complaint & correct any error prompthi. If we take more than 10 business days to do this, we will sect your account for the amount you think is in error, so that you will have use of the money during the time It takes us to complete our Investigation. Credit Balance: If a credit balance (designated 'CR") is shown on this statement, it represents money owed to you. You may make charges against the credit balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, we will, within 30 days after expiration of the six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit balance in your account if the amount is $1.00 or more. Creditor: American Express Centurion Bank or American Express Bank, FSB. New York residents may contact the New York Banking_ Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Change of Address !crated on trent do not use Nano Carious Name Street Address Pty. Shag Lit COO Area 0:0, ink Homo Phone Area Coco and Work Phone r To Pay By Phone 1.800.472.9297 Customer Service 1.800-635-5955 24 hours/7 days International Collect 1.336.393.1111 Hearing Impaired (9 an1-5pm, EST) TTY : 1.100.221.9950 FAX: 1-800695.9090 In NY: 1-800-552-1897 Correspondence Customer Service 777 American Expressway Ft. Lauderdale, FL n 1137-0001 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing your email address to American Express will enable you immol to receivespecialoffers, suited to your needs. EFTA01726732 DUPLICATE COPY memo Nuttier )O=4OOOO.. Claim Omo 04/15/04 Page 3 of 8 Finance Charges Biting days this period: 30 Average Daily Balance $ Daily Periodc Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGE $ Purchases 25897 0.0246% 8.99% 8.99% 1.91 Cash Advances 0.C° 0.0520% 0.00% 18.99% 0.00 Check/Balance Transfer 6,197.59 0.0162% 5.90% 5.90% 30.12 32.03 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rale identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in cited. EFTA01726733 Pr Cd Poi DUPLICATE COPY Voototal Page 4 of 8 EFTA01726734 Totals For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) vvw.americanexpress.com/rewards American Express Membership Rewards PO Box 2978t3 Ft. Lauderdale, FL 33329.9785 MembeNfiliCii@MiWas Options - Monthly Statement and Program News Statement Period F A. February 1, 2004 - February 29, 2004 Account activity after this period does not appear cn this statement 4 es?, Page 5 of 8 ‘ rn r rr Fr Pr. .re Available Points 1,575 Points are available when charges are paid in full and all your accounts are in good standing. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 1,575 0 0 0 1,575 New Points Earned 02/01/04 02/29/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 0 0 0 Idantersted Rceeares Cpt<na pans earned may be tank-trod a reddened = Icon at all enrolltd Card aXtuY3 are in goad ranting. Point becalmed a 0:decried canal be reversed beck Idol* program. Forfeited points can be reinstated for a fee by calling the number premed below. Elpble Cat, ohms. are culfred in tot Identersh'p Reentds Opecen proaram Terms and Cordams in sow Peron* I:towards Opices Colon. I you have panacea. Mene vice wwwarnerIcanexpsetsconstrembenshiprewardsoptIons a cal I.CCOAXMEMIN (2974196). Fran *OH ela. ea collect SOS-8164790. Aioriires 4 mainefleAlt American Eiptras• Earn More! New ways to earn points. Important Notice of Membership Rewards® Program Changes Effective May 1, 2004, eligible Cardmembers will no longer accrue two Membership Rewards points for virtually every dollar charged at standalone hardware and home Improvement stores. Instead, Cardmembers will accrue one point for every dollar charged at such stores. Propran champs an* my to Plenum Gwen t, Goa. Focknod Rewards Green b Gad Rewards Plus Gold. Mann Can®. Canino-4a Cpl. Cited Fontein,. ONE Finarcial Account Plalsysn Card. Platicen Finanatal Serv'tet Caµ Fds'sy American Frpten Gen. Gold and Pta&nn Cards. Efate Geed:Porters all contrast 10hactue Iwo poen ke non data( ctvgid in Ine US. al quaffed stsoMme staxemarkena. druanates. pets elidMos. the 11 S Pon* SAti•CO, Ard tot • *as% phase m permits. DAgm:Wes ci %Mass One ecciue trey coo pont par dolor. Redeem Membership Rewards® Points for a New LG Microwave LG, one of the world's leading manufacturer of microwave ovens, would like to introduce the first Combination Microwave Oven and Toaster for 23,000 points. This item comes in Stainless Steel and features a .9 CU FT oven capacity, 900 watt microwave, and 800 watt toaster with 9 browning levels.(PRM342) hianittERSHiy:. (MR Message 6195) To redeem, visit www.amoricanexpross. comirewards or call 1.800-AXP-EARN (297-3276). (MR Mesage 8028) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726735 American Erhrersa I Elizabeth. Arden IIIMIIIFATE COPY • err Hunter Earn 10z Points from FTD.COM® This Mother's Day! Find the perfect way to show how much you care this Mother's Day with FTD.COM. Choose from floral arrangements hand delivered by an FTDe Florist. Or, send gourmet chocolates, relaxing spa sets and more! Shop online and earn 10x points at www.ftd.com/amexpromo. Cam yard on wawa% tom ulwaltd.ecnhanwrprocno through 12/31/01. Cannot be =tiled will any other caws or spot a] promotions. Not vad on Disney. produrra. To b. stage for bones pan's. you mat be enraed in the Warrberrh'p ReNdidtg yeomen al the ant of pucka awrichsge your prochzo to an ekarte.enrcikl Armies, Forrest. Card. &nue poita aro credtd to your secure %Win 1042 worrks ewer charges eepato on your biro delornent Bonn ID: 1675. Double Points for Mother's Day at Elizabeth Arden Buy your Mother's Day gift certicates early or treat yourself with a spa package from Elizabeth Arden Red Door Salons. Earn double points from April 10th to May 10th on any red door salon & spa purchase of $150 or more online or in a Red Door Salon. Drou: Sono Agars only walla* at partspalirg Red Door Saco koaSonis end for Oar* troncedbos, not old al any Red Deco Sakes WNW uithin depatwont seen. Paned Dar gai cotes waoAwed coin, ore eigkela knows points and may be toed at any Rod Door Arca GM oertfoates put wish deparhnont saxes r. istigtte for bonus pant. Otter va:d from Apt 10h May 105: X01.Stanaord en/anent term apply. Beata ID: 97161. Redeem Points for Dell Home System Certificates Dell-makers of some of America's favorite PCs-allows you to create your own personalized system and save hundreds of dollars at the same time. Just redeem points for a Dell Home System Certificate and use it toward any Dell Inspirone notebook or Dimension® desktop at www.dell4me.com. Diueounb good on new ,,clauses ay through Dee Horne Systems Co. Del busies. saes dvisiore vet net nova Flontershg Reaurolv6 cengeares. Certitudes card be rand Mint Roy' s Membership Rewards® Certificates Enjoy delicious dishes from Roy's award-winning menu. Founded by James Beard award winner Chef Roy Yamaguchi, Roy's has become well known throughout the world for its innovative Hawaiian Fusion Cuisine--the freshest local ingredients, European sauces, bold Asian spices with a focus on fresh seafood. Redeem Membership Rewards points for a $50, $100, or $200 certificate good toward your dining experience at Roy's. To find the nearest Roy's location, visit www.roysrestaurant.com. Use GlobalPass Miles Toward Flights on Over 500 Airlines GlobalPass now otters you the unique ability to use points as cash on over 500 airlines worldwide! Simply transfer Membership Rewards® points to GlobalPass and use GlobalPass Miles to purchase a SuperAwards'" ticket on www.globalpass.com on any scheduled flight worldwide on over 500 airlines. 1,000 Membership Rewards points equals 1,000 GlobalPass Miles. Page 6 of 8 Shop at www.ftd.com' amexpromo this Mother's Day. (Bonus ID 1675) Call 1.800.99ARDEN or visit www.reddoor salons.com. (Bonus ID 9788) To order your Dell certificates, visit vivnv.americanexpress. corn/rewards or call 1.800-AXP-EARN (297-3276). Then redeem your offer by calling 1-888-686-3355 today! (MR Message 0488) To redeem points visit www.amertcanexpress. corn/rewards or call 1-800-AXP-EARN (297-3276). (MR Message 4211) To redeem, go to americanexpress.comr rewards or call 1-800-Axe-EARN (297-3276) (MR Message 6341) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726736 DUPLICATE COPY ACCO.Ilt Nat. Claim Date XXXX-XXXX) 04/15/04 CustornExtrar ItIWPs*" .• Page 7 of 8 Get Started Today! Open an American Express ONE® Financial Account* now and start making the most of all your finances. What is ONE? ONE is a brokerage account with banking features that gives you access to a full array of products and services--including the ONE High-Yield Savings Account, a complimentary American Express® Gold Card, and professional financial advice to help you meet your goals. It's the ONE account that makes your finances simpler. 15,000 minimum account deposit required to open an American Express ONE Financial Account. .•. nanclal Advisor Act nowt Call 1.800.297.8800 to open an account or visit WWW.amerlesnexpress. com/onefinancial for more information. If you speak to a customer service representative or enroll online, use the promotion code CSM (CE 104314) 8299 Companion Ticket from Alitalia with the Card Celebrate Alitalia's new nonstops from D.C. to Italy. Just purchase a qualifying round-trip Magnifica Class ticket with your American Express® Card by June 30, 2004, from any U.S. gateway (Alitalia operated flights only) to Italy and the rest of Europe, the Middle East, North Africa or Mumbai and your companion can travel with you for only $299. Visit www.alitallausa.comfax299/ for full offer Terms and Conditions, and an exclusive offer of a complimentary massage at Milan's Hotel Principe di Savoie. Gllitalia Tickets must be purchased on or before June 30, 2004, so call Malta at 1.800.223.5730 or your travel professional and ask for the American Express $299 Magnifica Offer. (CE 104313) $100 Statement Credit for Your 2004 Vacation Make your 2004 vacation plans now, and if you qualify, you'll receive a statement credit of $100 with your Cardmember Annual Travel Benefit. A Qualifying Vacation is a purchase offered by a cruise or vacation package operator through a participating American Express Travel Services U.S. location of $2,000 or more per booking. Doesn't include independent air/hotel/car rental reservations. Available once per Card account per year. May only redeem 1 per booking. Terms and Conditions apply. American Express Travel acts solely as sales agent of the travel suppliers and isn't responsible for their actions or inactions. CST 1022318-10, TA-149 registered Ohio travel agency, ML-1192 Washington, UBI 600-469-694. AI SCAN ESS For details on your Cardmember Annual Travel Benefit, call American Express Travel at 1-866-AXP.6801, or go to wvew.americanexpress. com/annualtravelbenefit. (CE 104317) Premium Car Rental Protection You Need at a Price You Want Premium Car Rental Protection (PCRP) can help protect you, your passengers, and belongings when you rent a car. For just $24.95 per rental, the plan provides primary coverage of up to $100,000 if your rental car is damaged or stolen, accidental death and dismemberment coverage, plus excess coverage for medical expenses and personal property. The fee is automatically billed each time you par for a rental car from a rental company with your enrolled American Express Card. Certain limitations and restrictions apply. PCRP is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the Terms, Condtlons, and Exclusions of Master Policy AX0456. This program may be modified, terminated, or suspended upon notice to you. To enroll in Premium Car Rental Protection or to find out more about this special offer, call us toll- free Monday - Saturday, 7am-11pm CST, at 1.800858.5947. Please mention code 3Y2. (CE 104336) Offers aro made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726737 DUPLICATE COPY Account Nurbef XXXX-)OCCa Page 8 of 8 FEE-FREE American Express® Travelers Cheques! As an American Express Cardmember you can purchase FEE-FREE* American Express Travelers Cheques and Cheques for Twoe at participating American Express Travel Service locations. Behind every Travelers Cheque is someone who can help in a travel emergency 24/7--from replacing lost or stolen Cheques, to assistance with replacing lost credit cards and passports.** 'Not all services available at all locations. Subject to an local laws and cash availabdity. "Proof of Travelers Cheques purchase may be required. Credit Card Replacement Assistance is for major bank-issued credit cards arxy Fees for passport/credit card replacement are the sole responsibility of the customer. For complete Terms, call 1.800-AXP-8347. Travelers Cheques To find your nearest American Express Travel Services location, call 1-800-AXP-8347. (CE 104335) Are You Overpaying For Personal Checks? Tired of the inconvenience of ordering your personal checks through your bank? Since 1997, American Express Publishing has been offering personal and business checks and accessories to Cardmembers at prices up to 50% less than financial institutions. Other quality products we offer are address labels, deposit slips, publishing checkbook organizers, stamps, binders, and more. We adhere to security features that exceed industry standards, as well as strict confidentiality of account information. And, we offer an unconditional money-back satisfaction guarantee. Order your checks now from a trusted name--American Express. Order now at www.amexpub.com/ checks/statement or call 1.800-662.2314 to request a brochure. (CE 104315) Now Accepting the American Express® Card NetInsurancr - For homeowners and auto insurance. To learn more, visit www.Netlnsurance.com or call 1-866-380-7548. License #0D7318. The MarketPro Computer Show and Sale - Save on-faptops, flat screen monitors, color printers, software and hardware. Please visit www.marketproshows.com for a show near youl If there are other places where you would like to see the Card accepted, please call the Customer Service number that is located at the top of your statement or the number that is on the back of your Card. (CE 104287) New TravelFunds® Card Offer for AARP Members A special offer for AARP members: Receive a complimentary emergency travel kit with the purchase of $1,000 or more in TravelFunds Cards from American Express*. It's a prepaid, reloadable card that's safer than carrying cash, and isn't linked to your bank account. If it's lost or stolen, your balance is refunded, usually within 24 hours. Offer also available for purchases of American Express Travelers Cheques and foreign currency. 'Limit one kit per order. For complete Terms and Conditions, visit www.aarp.org/amex and enter promotion code 101. Offer available for AARP members only at: www.aarp.org/amex and enter promotion code 101 on the order form. (CE 104331) Share Our regyrittATIglr Strength's Taste of the Nation American Express is The Official Card of Share Our Strength's Taste of the Nation®, a series of culinary benefits supporting anti-hunger and anti-poverty efforts. You can help support a worthy cause while enjoying delicious tastes from talented chefs. Every spring, thousands of chefs and restaurateurs donate their product, time and talents at more than 70 events throughout the United States and Canada. To find a Taste of the Nation event near you and purchase tickets, visit www.tasteofthenation.org/amex. One-hundred percent of ticket proceeds go towards anti-hunger and anti-poverty programs. www.tasteofthenallon. org/amex. (CE 104318) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726738 DUPLICATE COPY Optima® from American Express E401theitiOhiPitiOlar4*(k ` )M ! is 4vailabte S ctlanieS are paid in •ake ingood standing, Rey an BaMom S Pinned Ac&dy$ Now AMUMS a irmAtf ad Finance Awry Mccult Morton. New Salamo S owmow 05/15/04 WOmm MMOunteuoS Pagel of 8 Payment Due Date 06/09/04 Please refer to page 2 for important information regarding your account 6,376.36 -250.00 +31.04 =6,157.40 123.00 Credit Line Summary on 05/15/04 Total Crelt Line $ 9,800.00 Available Credit Line $ 3,643.00 Cash Advance Available Cash Limit $ Limit • 8,100.00 3,643.00 Minimum payment due by payment due date. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $3,643.00. Contact us at www.americanexpress.com or call Customer Service at 1.800.635.5955. Get Cash In the U.S. and Internationally 24/7/365 Need some quick Euros for an emergency stop over? Have a Yen for that pottery set? As an Optima® Cardmember, you are automatically enrolled in Express Cash--a service that allows you to get cash in the local currency at over 600,000 locations both in the U.S. and internationally. There's no monthly charge, you pay only for the transactions you make. Call 1-800-CASH-NOW and ask for your Express Cash PIN. All transactions are subject to a 3% or $5.00 fee, whichever is greater, with no maximum. In addition, there is a 1% fee charged for Travelers Cheque transactions. Funds are drawn against cash advance limits, subject to a limit of $1,000-$3,500 every 7 days, and any other limits that banks may impose. Activity It" Patna da Amounts itsffitt: :3i0:41059SMIRceiliCetra..; t:4044Wl.4-,,Acartike. • .250.00'1; Amount$ 05/15/04 Periodic FINANCE CHARGE 31.04 Total of New Activity 31.04 + Pomo kid cc the mclemStn below. detach SC tato/no/1h you, pommel 4 Payment Coupon GERMANTOWN Mail Payment to: MD 20876-5960 Payment Due Date: 06/09/04 Total New Balance S 6,157.40 Minimum Amount Due $123.00 I • I Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 1 1 1 1 Mil 11 11 1 1 1 ll 111111 II IIIIIIII ll III Continued on Page 3 Please enter account number cn all checks arid correspondence. To avoid additional Finance Charges on PurchaseS, Pay New Balance before Payment Due Date. Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to WI of your Card Accounts except any Corporate Card Accounts you have. 000615740000012300 16rirl EFTA01726739 DUPLICATE COPY , NUIlbc: XXXX•XXX Page 2 of B Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remittance stub attached and account number fisted on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number andcheck serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot coiled the funds electronically at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments:By using, the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service you will be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at wunv.arnericanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immedately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Office circa' any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to raindate FC on your Account. Under this method, we figure the FC on your Account by applWng the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Advance and Balance Transfer features) of your Account (inducing current transactions). To get the Average Daily Balance for each feature, we (1) take the begnning balance for the feature each day (including unpaid FC from previous billing periodasii, j(2) add any new transactions, debits,. or fees, (3) subtract any payments or credits, and (4) make any appropriate stments. For each day after the first day of the billing period, we also add an amount of interest equ to the previous day's daily balance multiplied by the (ley periodic rete for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. if this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total &y the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daly Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by rouncfing. The total FC for the baling period is calculated by adding the FC assessed on al features of the Account. This method of calculating the Average Daily Balance and FC results in daily compounding of FC. The minimum FC for any billingferiod in which FC are imposed is $0.50. Billing Riahts 5ummarv: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if you need more inormahon about a transaction on your bd,write us on a separate sheet of paper at the address noted to the right. We must hear from you no later than 60days after we sere youths FIRST bill on which the error or problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. In your letter, give us the following Information: 1. Your name and account number; 2. The ddlar amount of the suspected error 3. Describe why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that arenot in question. Whirr we investigate yeur question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authonzed us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem wth the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your main° address. (If we own or operate the merchant, a if we mailed you the advertisement for the proper y or services, all purchases are covered regardless of amount or location of the purchase.) In Case of Errors or Questions About Your Electronic Transfers: Pease contact us by clicking en the Customer Service Unk online at vnonv.americanexpress.com, or you can call us at 1 .8004PAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days aflame sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the errors the transfer you are unsure of, & explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & 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 'n error, so that you will have use of the money (kiting the time it takes us to complete our investigation. Credit Balance: If a credit balance (designated "CR" is shown on this statement, it represents money owed to you. You may make charges against the credit balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, we will, within 30 days after expiration of the six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit balance in your account if the amount is $1.00 or more. Creditor: American Express Centurion Bank or American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative fisting of credit card rates, fees and grace periods by calling 1.800.518-8866. Change of Address II correct on I rolg do no use Mans Canpany Nano Street kites, Cry. Stile Lp code Area Oxle and Horne Eton. Area Code and Work Phone Email J 1 _Li I I L f To Pay By Phone 1.800.472.9297 Customer Service 1.800.635.5955 24 hours/7 days International Collect 1.336.393.1111 Hearing Impaired (9am-5pm, EST) TTY: 1.800.221.9950 FAX: 1.800.695.9090 In NY: 1.800.552.1897 • Correspondence Customer Service 777 American Expressway Ft. Lauderdale, FL 33337-0001 Funds Access Services . P.O. Box 53809 Phoenix, AZ 85072-3809 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Prowling your email address to American Express will enable you to receive special offers, suited to your needs. EFTA01726740 DUPLICATE COPY Pocounl Numb. Closig Dale )OOO(-XXXa 05/15(04 Page 3°18 Finance Charges Bang days this period: 30 Average Daily Relate Daily Pericxfic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGE $ Purchases 260.89 0.0246% 8.99% 8.99% 1.93 Cash Advances 9.00 0.0520% 0.00% 18.99% 0.00 Check/Balance Transfer 5888.93 0.0162% 5.90% 5.90% 29.11 31.00 Certain of the periodic rates and APRs above may be variable. Those rates may vary.. based upon the prime rate identified in the Wall Street Journal, as deserted in your Cardmember Agreement as currently in effect EFTA01726741 DUPLICATE COPY 'AVM a Pape 4 of 8 EFTA01726742 Totals For questions about your Membership Rewards account, contact 1‘800-AXP-EARN (297-3276) wvAv.americanexpress.com/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembeNfittfiaffifrels Options` Monthly Statement and Program News Statement Period March 1, 2004 - March 31, 2004 Account activity after this period does not appear on this statement Mia Available Points 1,575 Points are available when charges are paid in full and all your accounts are in good standing. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 1,575 0 0 0 1,575 New Points Earned 03101/04 03/31/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 0 0 Membership Rewards Opticfic pcinb raked may be banskrred or r Jet as tang ea SI ere OW Card atom% me in good stardeg. Points transferred et redeemed cams, be reamed bock into the peogran. Forfeited points can be reinkated form., by calling the number provided below. Bubb CaecaMare are waned ei the Member:bp Rewavis Opticps proararn Terns rd Genitors in yorr frenterallo Rewards CpSors Gude. II you have omelet% please vet veww.ameticanexptestsconVanembeeshIptewardsopHons cc eat 1400-AXP•EARN (297.3276) Fran ovate" cell cokes 2O581e.2799. Aal Ai? '' "s!w'Ea ' giike r. Gift Sense Earn More! New ways to earn points. Important Notice of Membership Rewards® Program Changes Effective May 1, 2004, eligible Cardmembers will no longer accrue two Membership Rewards points for virtually every dollar charged at stand-alone hardware and home improvement stores. Instead, Cardmembers will accrue one point for every dollar charged at such stores. 0 Program enamel mph, *nil b Reword Orem a Gckt Preferred Rewards &eft a Gail Pe cat's Pan Gott Pbenun Cart/S, Ceothent Card. God Financial. Finarcid Aorounl Flabmin Card. Mikan Finartiat SerrPes Cart Faellyeerarkan Express. Grows Gold and Platinun Cards. Sokle Cavarenesets wit amino lo astrue two pante kr Mry dollar charged in to U.S. al quelled staroa:one suPermartrata. Mralterea. on Pater*, the U.S. Postal Service. ad be verdure phone M payments. Buts RaCrases captains me dpaue 000 one pent per dot/. 10x Points Plus the Perfect Gift at GiftSense.com Gift Sense'" online shopping provides smart ideas and answers for every gift-giving need this Spring—all in one convenient place—plus you can earn 10x Membership Rewards® points! A trusted partner of FTD.COM®, www.GiftSense.com otters quality products, dependable delivery, secure transactions and guaranteed satisfaction. Epires 12/3IC4. Net valid P Mal axe; or weds cake dam. Picot, peke stades sliming. To earn bonus pets. yrer must be emoted in IM tnin Reminds pagans at the tined purchase. and Check cu. purchase to an 01gib4e. noted Arnerkui Euntr.s. Card. Bonus mkt win be credited to yore ant oun: wain ICS 12 weeks. &ran O:5842. Page 5 of 8 (MR Message 6195). Earn 10X points at www.gittsensocomf amexmrl everyday and all year. (MR Message 5287) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726743 American Ex ress• N I K E GOL gloacIPAY atSeaPines Smith &Hawke) THE SHARPER IMAGE' isi liiikrATE COPY MerrtectripRewards9 Account Nurrter Introducing a Nike Golf Exclusive Nike Golf would like to introduce the Tiger Woods package for 55,000 Membership Rewards® points (NIKE20). This exclusive package features the Nike Ignite Driver, a dozen Nike One Golf Balls and The Upper Deck Tiger Woods special collectible tin trading card set. This offer is only available while quantities last. Attend Golf School at Hilton Head! Experience world-class golf instruction from Goff Academy of Hilton Head at Sea Pines. Redeem Membership Rewards® points for golf instruction from Class A PGA professionals! School sessions include instruction, personalized improvement manual, lunch, and more. Schedule a one-day golf school for 50,000 Membership Rewards points, a two- day golf school for 100,000 points or a three-day golf school for 175,000 points. Please call 1-843-785-4540 or visit www.golfacademy.net for more information. Go to Space with Membership Rowards®Points! Space Adventures, the world's leading space tourism company, offers a wide range of luxury adventures including zero-gravity, edge of space and sub-orbital flights. Experience the feeling of weightlessness or see the curvature of the Earth while traveling at twice the speed of sound. Redeem Membership Rewards® points to use toward these amazing flight expenences. For more details, visit www.spaceadventures.com or call 1-888-85-SPACE (77223). Celebrate Summer with Smith & Hawken Discover the best in outdoor entertaining at Smith & Hawken. From Premium Tear furniture to the Backyard Firepir to all the plants, containers and garden structure needed to create the garden room of your dreams, you'll find a wealth of products ideal for outdoor living. For store locations or to request a catalog, call 1-888-883.3725. Or visit us at SmlthandHawken.com Ionic Breeze® - the Most Trusted Air Purifier! Redeem Membership Rewards® points and realize the benefits of reduced allergens and dust with a Sharper Image Ionic Breeze® Quadra® Silent Air Purifier. The best-selling Ionic Breeze® offers silent operation, efficient air cleaning and odor reduction, as well as no replacement fitters, low energy use and 247 air cleaning in every room. Page 6 of 8 Redeem now at www.americanexpress. comireviards or call 1.800-AXP-EARN (297-3276) (MR Message 4221) To redeem Membership Rewards points visit, www.americanexpress. comFrewanis cr call 1.800-AXP-EARN (297-3276). (MR Message 4172) To redeem points, visit www.americanexpress. comfrewards or call 1-800-AXP-EARN (297.3276). (MR Message 5209) To redeem points for a 850,8100, or $200 Smith Hawken Gift Card, go to www.americanexpress. corn/rewards or call 1-800-AXP-EARN (297-3276). (MR Message 6433) To redeem Membership Rewards° points for Shaper Image items, visit www.americanexpress. comirewards or 1.800-AXP-EARN (297-3276) (MR Message 4047) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726744 DUPLICATE COPY AzA.NAM Nterixtr X X XX- CustomEyctrar aowng off. 05/15/04 Page 7 of 8 Affordable Australia with American Express Travel For those who long to take home more from a vacation than pictures and souvenirs, American Express Travel is offering 8-night air and hotel vacations to Sydney and the Great Barrier Reef from $1,519 per person from Los Angeles. Call American Express Travel at 1-800-AXP-6989 to find out how 8 nights can change your life. Rates USD, based on double occupancy, lowest hotelarroom categories, Monday - Wednesday LAX departures. Travel 4/28-6/19 or 7/21.8/28/04. Rates available for other dates/hotels/air gateways. Add $35 for each Thur-Sun trans-Pacific flight. Seats limited and may not be available on every flight. Hotels subject to availability. U.S./foreign taxes of approximately $180, including September 11th Security Fee and $5 PFC, additional. Change, cancellation and other restrictions apply. Travel To plan your vacation and for details on additional Australia offers, call American Express Travel at 1.800-AXP-6989. CST #102231840, TA-149 registered Ohio travel agency, ML-1192, Washington UBI 4600-469-694. PROMO CODE: C7560001. (CE 104401) Holland America Line Offer from American Express Travel HallividArrefica tar A 7.41‘.. d PadaliAt Book a Holland America Line cruise with American Express Travel between April 19 and June 30, 2004, and receive a complimentary 2-Category Upgrade OR up to $100 per person Shipboard Credit. 2-Category Upgrade offer is available with the purchase of an outside stateroom only. Shipboard Credit offer is available in the following amounts: $50 per person 7- to 11-day cruises, $100 per person 12+ day cruises, with the purchase of a deluxe stateroom or higher (excluding A-BB on Vista Class ships). Upgrade and Shipboard Credit offers are valid on new bookings only for select 2004 and 2005 sailings. Offers are not combinable, are subject to availability and may be modified, withdrawn or sailing dates may be substituted without prior notice. Additional Terms and Condtions apply. American Express acts solely as the sales agent for travel suppliers and is not liable for the actions or inactions of such suppliers. CST# 1-22318-10, TA-149 Reg tered Ohio Travel Agency, Washington UBI# 600-469-694, Mit 1192 Call American Express navel at 1-888-UP-0066 to book nowl Promo Code C8730001. (CE 104435) Online Statements - A Flexible Advantage Switch to online statements at www.americanexpress.com/ cardestatement for instant, hands-on access to your account information whenever you want. There's no need to wait for a paper statement to arrive in the mail. Plus, your statements are printable, downloadable and archived. For added control, we'll send you an e-mail notification to let you know your statement is ready for viewing online. Sign up today at www.amerIcanexpress. comicardestatement. (CE 104403) Now Accepting the American Expresso Card! Stonebridge Life - Need financial security for your family? Check out what Stonebridge Life can do for you. Call 1-800-362-6900 or visit www.takingcarelifia.com. Murano Steak and Seafood House - Waterfront restaurant with a full lunch and dinner menu located at 1110 Beech Dr. in Baltimore, MD. 410-238-0080. The Mt. Washington Bike Shop - Offering a full range of bikes, accessories and service. Located at 5813 Falls Rd. in Mt. Washington. www.mtwashingtonbikes.com. 410-323-2788. If there are other places where you would like to see the Card accepted, please call the Customer Service number that is located at the top of your statement or the number that is on the back of your Card. (CE 104367) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726745 DUPLICATE COPY ACCO.rd Nut )0Ca-)000a Page 8 of 8 CAM Give American Express Gift Cheques® Today! Give American Express Gift Cheques for any occasion—Father's Day, weddings, birthdays, graduations or even just to say "thank you." Unlike store gift cards or certificates, American Express Gift Cheques& have no expiration date and are available in a variety of prepaid denominations.* Gift Cheques come elegantly wrapped in a gold envelope and you can include your own personalized message. Gift Cheques are available for purchase at participating American Express Travel Services locations. Ask for them today! 'Denominations are available in $25, $50 and $100. For complete Terms and Conditions, call 1-877-AXP-GIFT. Gift Cheques are available for purchase at participating American Express Travel Services locations using your American Express* Card. To find your nearest American ExpressTravel Services locations, call 1.888-AXP-0084. (CE 104421) Carry the TravelFunds® Card from American Express Whenever you travel, consider taking the prepaid, reloadable TravelFunds Card from American Express—instead of cash or debit cards. It's safer than cash and is a convenient way to carry money while you travel. Unlike debit cards, it's not linked to your bank account and you'll have access to valuable travel services such as passport/credit card replacement assistance.* Proof of TravelFunds Card purchase may be required. Credit card replacement assistance is for major bank-issued a-edt cards only (not retail store, gasoline, calling cards, etc.). 'Fees for passport/credit card replacement are the sole responsibility of the customer. ATM fees apply. For complete Terms, visit vonv.amerIcanexpress.com/buytfc or call 1-888-412-6945. TravelFunds Card from American Express is accepted at millions of places that accept American Express. Purchase yours today at www.americanexpress. comlbuytfc or by ceiling 1.888-412.6945. (CE 104424) Get Started Today! Open an American Express ONE& Financial Account* now and start making the most of all your finances. What Is ONE? ONE Is a brokerage account with banking features that gives you access to a ESS kill array of products and services--including the ONE High-Yield Savings Account, the complimentary American Express& Gold Card, and professional financial advice to help you meet your goals. Inanclal Advicor It's the ONE account that can make your finances simpler. '$5,000 minimum account deposit required to open an American Express ONE Financial Account. Act now! Call 1-800-297-5300 to open an account or visit www.americanexpress. cornionefinanclal for more information. If you speak to a customer representative or enroll online, use the promotion code CSM: (CE 104397) Simplified, Convenient Access to Your Accounts Financial Accounts is an easy-to-use service that allows you to view your consolidated financial information online. To date, more than 170,000 users have already registered. You'll have the ability to view all your registered accounts, such as investment, Card, Bank and Workplace 401(K) accounts. You can even add non-American Express accounts! A recently added feature allows money to be transferred from a bank account directly into your investment accounts. Financial Accounts is convenient and current. You'll have access to your Information when you want it and all with just one user ID and password. And, account information is updated daily so the most current account values are always displayed. Register with Financial Accounts today at www.americanexpress. corn. Bo suro to soled Financial Accounts in the drop down log-in box. If you have questions or need help with registration, please call toll-free 1.800.315.3460. (CE 104415) Mortgage Rates Are Still Low! If you're looking to buy a home or to refinance your current mortgage, American Express Mortgages* can save you hundreds of dollars a month in mortgage payments. The application is easy to complete and most loan decisions are made in minutes—and with mortgage rates near all-time lows, the time to purchase or refinance is now! 'Mortgage loans are provided by American Express Bank, FSB, an FDIC-insured federal savings bank. American Express Bank, FSB, is an American Express company and an Equal Housing Lender. Contact us today! Call 1-800-AXP-1008 or visit www.americanexpress. com/mortgages. Use offer code C74. (CE 104416) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726746 DUPLICATE COPY Optima® from American Express Relief:Mamma Pavrient Now Aclivly Finkricok r ar hagotn Atccurt Nutter New Sacco, $ aceirg Dale 06/15/04 Minimum Amount Due S Page 1 of 6 Payment Due Date 07/10/04 Please refer to page 2 for important information regarding your account 6,157.40 -250.00 +30.86 =5,938.26 119.00 Credit Line Summary on 06/15/04 Total Credit Une $ 9,800.00 Available Credit line $ 3,862.00 Cash Advance Limit $ 8,100.00 Available Cash Limit $ 3,862.00 Minimum payment due by payment due date. Remember, you can pay your bill online anytime, anywhere at www.americanexpress.com/paybill. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $3,862.00. Contact us at www.americanexpress.com or call Customer Service at 1.800-635-5955. Activity "°U'" Pang' 0 819Pget., PAYMENT RptivErt.THANKActageweiv:iracpp.m ki, ArnounIS 250 00t;. ArnounIS 06/15/04 Periodic FINANCE CHARGE 30.86 Total of New Activity 30.86 Finance Charges Billing days this period: 31 Average Daily Balance $ Daily Actual ANNUAL Nominal ANNUAL Periodic Rate PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGE $ Purchases 262.86 0.0246% 8.99% 8.99% 2.00 Cash Advances 0.00 0.0520% 0.00% 18.99% 0.00 Check/Balance Transfer 5,746.71 0.0162% 5.90% 5.90% 28.86 30.86 Certain of the pericdc rates end APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Pkase foci on he pedo*ioo NOM. <with era return won you lawmen, I Payment Coupon GERMANTOWN Mail Payment to: MD 20876 - 5960 • Payment Due Date: 07/10/04 Total New Balance $ 5,938.26 Minimum Amount Due $119.00 Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 Please enter account number on all checks and correspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Date. Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to all of you Card Accounts except any Corporate Card Accounts you have. 000593826000011900 . 16tirl EFTA01726747 DUPLICATE COPY Mewl Number XXXX-XXXX) Page 2 of 6 Payments: Payments received after 12:00 noon or on weekends or hofidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line 01 Credit check issued by Amercan Express Centurion Bank or American Express Bank, FSB) in the enclosed envelope with the remittance stub attached and account number listed cn the check Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a defay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentme by transmitting the amount of the check, routing number, account number and check serial number to your finanaal institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments:By using. the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you will be authorizing Amencan Express to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, deasevisitus at vomv.arnericanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S. contact tho nearest American Express Travel Service Office or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the PC on your Account by applying the daily periodic rate to the Average Daily Balance (as described belOw) kir each feature ((such as Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous billing periods), (2) add any new transactions, debits, or fees, (3) subtract any payments or credits, and (4) make any appropriate ad ustrnents. For each day eller the first day of the billing period, we also add en amount of interest equal to the previous day's daffy balance multiplied b eig nning balance daily periodic reds for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for hat feature, the result will be the FC assessed on that feature, except for variations caused bbyy rouncing. The total FC for the baling period is calculated by adding the FC assessed on all features of the Account. This method of calculating the Average Daily Balance end FC results in daily compounding of Fa The minimum FC for any biting period In which FC are Imposedis $0.50. Billina Rlahts Summary: In Case of Errors or Ouestions About Your Bill: If you think your till is incorrect, or if you need more information about a transaction on your bill,write us on a separate sheet of paper at the address noted to the right. We must hear from you no later than 60 days after we sent you the FIRST bill on which the error or problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. In your letter, give us the following Information: 1. Your name.and account number; 2. The dollar amount of the suspected error' 3. Describe why you believe there is an error. If you need more int ommtion, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still °bleated to pay the earls of your bill that are not in question. While we investigate yore question, we cannot report you as delinquent or tako any action to collect the amount you question. If you have authorized us to pay your bill automaticOy from your savings or checking account, yCU can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods or services that yOu purchasedwith a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection onlywhen the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement fcr the property or services..all purchases arecovered regardless of amount or location of the purchase.) In Case of Errors or Ouestlons About Your Electronic Transfers: Please contact us by clicking on the Customer Service Unk online at winv.americanexpress.com, or you can call us at 1 -800-IPAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address imitated on your statement. II you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error, 3. Describe the error or the transfer you are unsure of, & explain as clearly as you can why you believe there s an error or why you need more information. We will investigate your complaint & 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 coal have use of the money during the time it takes us to complete our investigation. Credit Balance: If a credt balance (designated "CR') is shown on this statement it represents money owed to you. You may make charges against the credt balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, we will, within 30 days after expiration of the six-month period following the date of the first statement indicating the crest balance, issue a check to you for the credt balance in your account if the amount is $1.00 or more. Creditor American Express Centurion Bank or American Express Bank, FSB. Now York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods bycalling 1-800-518-8866. Change of Address I correct on tool do not use Name Company Nero Street Address Coy, Scale tp Code Are* code end Horne Phone Mn Cade and coot Phone Email II•011e•NO To Pay By Phone 1.800.472.9297 Customer Service 1-800.635-5955 24 hours/7 days International Collect 1.336393.1111 Hearing lmpaied (9am-5pm, EST) TTY: 1.800.221.9950 FAX: 1-800-695-9090 In NY: 1-800-552-1897 Correspondence Customer Service 777 American Expressway Ft. Lauderdale, FL 33337-0001 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing your email address to American Express will enable you =mai to reCeive specialoffers, suited to your needs. EFTA01726748 Totals For questions about your Membership Rewardsaccount, contact 1-800-AXP-EARN (297-3276) vnyw.arnoricanexpress.cornirewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329.9785 MembeiViVflefiliffis Options' Monthly Statement and Program News Statement Period April 1, 2004 • April 30, 2004 Account activity after this period does not appear on this statement Available Points 1,575 Points are available when charges are paid in full and all your accounts are in good slanting. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 1,575 0: 0 0 1,575 New Points Earned C4/01/04 - 04/30/D4 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 0 0 Manbreap Rewards Opbons pot earned may bo laraierrod or Weaned as lop as al emoted Cad rotor& are in good stadro. Polls UnsIrrrai a raleernrd carat ba rev tmod back ire° tie recount Forfeited points can be reinstated Waite bp:atone the number provided below. prltio can eamcm arecutimd in the Utoterellp Resnais Ocacca program Teen as CeltiliYIS Ire your skricenhe Rewards OpPra Guile. I! you haw oursecnr, pen* vise wertamericanerpreseterninsembersiblprevardseptiorn or cal 143COAXPEARN (PP7Ora Fran ovorram, cal *dal 104816-2750. ea tft/017701CCI a SeaWorld. ADVINTURE PARKS *Art Snens...1. aw 0 Earn More! New ways to earn points. Fly to the Caribbean with Air Jamaica! Enjoy legendary Lovebird Hospitality on the airline voted World's Best to the Caribbean for six years in a row by 'World Travel Awards'! Redeem 35,000 Membership Rewards® points for economy-class travel to Jamaica or to any of Air Jamaica's Caribbean island destinations including Antigua, Barbados, Bonaire, Curacao, Grenada and St. Lucia. Double points on your next family vacation! Earn double Membership Rewards® points and get family vacation when you book and pay for an adventure vacation at Sea World, Busch Gardens or Sesame Place between 6/1/04-9/15/04, for travel by 12/31/04. Create a customized vacation or choose one of the featured packages. To digits to ewe tar= parrs, pan net be evened n the Mental" RHEIMS worn al the dna ol probsw on an diptra enrolled Amnon, &preset) Cant Ono porn we credeel to lour Varnbershp Rewards assouril wtin 643 weals afar stairs ;pear on your biro statanad. Bonn ID ens Page 3 of 6 American Expresso Call 1.800-523.5585 for reservations or visit wavvo.alrjamaica.com. (MR Message 0376) Go to wvAv.scaworld vacatIons.com, mem buschgardensvacatlons. corn or WWW.S0S31110 placevacatlons.com, enter code AXPFUN and plan your trip. (Bonus ID 6625) Continued on (worse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726749 KRUPS torattoN $100 t23 s limmillirATE COPY Introducing the the Krups Duothek Stainless Steel Therm Krups would like to introduce the Duothek Stainless Steel Therm (PRM359) for 31,000 points. Make coffee and tea at the same time! The Duothek Stainless Steel Therm has two independent brewing systems, perfect for making regular and decaf coffee or tea and coffee. Two double-insulated, eight-cup thermal carafes keep coffee hot for hours. The Duothek has Krups Deep Brew technology to provide you with coffee full of rich, robust flavor. Available in Stainless Steel. 2x Points•Greeting Cards from Gallery Collection Stop running To The Store! Order premium quality greeting cards at low, Direct-from-the-Publisher prices. Earn Double Membership Rewards® points on all orders from June 1 to August 31, 2004. To be este° tins bonus Foils. you swat to enroled in the Pekteheesko Pewards swam S the Ira <4 purchase tied you mull charge your pulthr.so on an elgidio. emoted ATCfr.411 Exse-ae Caed. &sus poinb wdl be credited to your tainterth'p Rewash OCCC.Wil with.. 6-8 weeks aver charges awes on your big Vehement. Bons ID: OW. Redeem at GAP this Summer Summer is in the air! Welcome warm weather In breezy tiered styles and floral prints. Redeem Membership Rewardse points this summer for Gap Gift Cards! Join the Fun • Geoffrey's Birthday Club! Now, you can redeem Membership Rewards& points for 'R' Us gift cards! Use them to buy toys, clothing and baby items in any Toys'R'Us or Babies'R'Us store. And while you're in Toys'R'Us, sign your child up for Geoffrey's Birthday Club! Every Club member gets a birthday card from Geoffrey, a special surprise and Fun Pass for an incredible Birthday Club experience in our store. Mom gets a party planner with valuable tips and coupons. And it's all FREE! Please aim at least otte weep tarn line d swam.% S mats adrthday cod Foe nave Ore Icestion and to askew 0WIT Us Feeney Itetwsy Poky, oat 1.110114OYEAUS (1-600469-77117) or see veatOyeruesonVpdvacypollcy. Use Points for a Be My Guest® Dining Card Redeem points for a $50, $1OO or $200 Be My Guest Dining Card this summer! The Be My Guest Dining Card is a prepaid gift card accepted at restaurants in the U.S. that welcome the American Expresse Card. The Card is embossed with the recipients' names and can be used at the restaurant(s) of their choice. The Be My Guest Dining Card is the perfect gift for any occasion this season--graduations, weddings, birthdays, and more! Page 4 of 6 Redeem now at owmamericanexpress. comfrewards or Call 1-800-AXP-EARN (297-3276). (MR Message 1465) Browse our selection of Birthday, Holiday and All Occasion Cards at www.gallerycollection. comfamex or call ((2201) 41.0700 for a tabg. (Bonus ID 8684) Visit wvov.amencon express.comlrewards cr call 1.800-AXP-EARN (297-3276) to redeem pugs today. (MR Message 7008) Sign op for Geoffrey's. Birthday Club for FREE at any Toys'R'Us Store! (MR Message 5097) Call 1-800-AXP-EARN (297-3276) to start redeeming today. (MR Message 2481) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726750 DUPLICATE COPY ClccirgOde 06/15/04 Page 5 of 6 elan x4e81M LENDER MomitNuriW )0000000a e ic. ... istomErtras- Mortgage Rates are Low! Get the Guaranteed Best Price*: If you're looking to buy a home or to refinance your mortgage, American Express Mortgages** can save you hundreds of dollars a month in mortgage payments. With mortgage rates near all-time lows, the time to purchase or refinance is now. The application Is easy to complete and most loan decisions are made in minutes --plus you will receive the best price guaranteed or you could receive $500'. *A customer must provide a complete, system-generated Good Faith Estimate, listing a specific lenders name, that is dated the same day as the rate quoted by us. If such Good Faith Estimate indicates a lower interest rate than our rate, inclusive of points and loan fees for the same loan program that is offered by us and we have verified the accuracy of the rate and fees listed, then we will have the option of beating that lenders total loan costs by $100, or paying the customer $500 ($750 for properties located in California) when they dose with that lender and then provide us with a copy of the signed Note and Final HUD-1 Settlement Statement. "Mortgage loans are provided by American Express Bank, FSB, an FDIC-Insured federal savings bank American Express Bank, FSB, is an American Express company and an Equal Housing Lender. Contact us today! Call 1400-AXP-1008 or visit www.amedcanexpress. com/mortgages. Use offer code C79. (CE 104543) Enroll Now to Earn Double Points or Extra Cash Back! Getting extra rewards is as easy as pulling out your Card. Shop with an enrolled American Express® Card between 6/15-7/15/04, and extra rewards can be yours when you buy bathing suits, movie tickets, dinners with friends, gas, and much more. For more information and to enroll, go to americanexpress.com/bonus and begin earning extra rewards. Do it today before this promotion slips away! Enrollment required by 7/15/04. If you do not have Internet access, please call 1400-653-6051 to enroll. Qualifying charges include all eligible retail, restaurant, and entertainment purchases posted between 6/15/04 and 7/15/04. Please allow 12-14 weeks after promotion for your bonus reward to be posted to your account. Bonus awards cannot exceed maximum amounts. Terms, Conditions and Restrictions apply. Bonus ID: 0477. To start earning extra rewards, enroll now at amerIcanexpress.com/ bonus. (CE PROMO t04462) Claim Your FREE VIP "Thank You" Worth Up to $100.00 As an American Expresso Cardmember, you're entitled to a FREE VIP "Thank You" worth up to $100.00. Simply call by July 10, 2004. to claim up to two of your favorite magazines FREE for one year— compliments of American Express. Quantities are limited. So call now to guarantee your selections and find out full magazine subscription details. FREE VIP THANK YOU Call 1.800.586.9303 now for details to claim your favorite VIP magazines worth up to $100.00. Quantities are limited. Call now to claim your FREE VIP "Thank You". Campaign Code 27272. (CE 104470) Verify Your Charges Before They Appear on Your Bill Sign up to view your account online and start checking your most recent charges anytime and anywhere you want. It's a convenient option that allows you to view your statement and complete your American Express® Card transactions in a matter of seconds. For added convenience, you can even pay your bill online. You'll get an instant payment confirmation as soon as you're through. Plus, your account information is protected by state-of-the-art encryption technology--so you can always feel secure about making transactions online. Sign up today at nnvw.americanexpress. com/mycardaccount. (CE 104544) Offers aro made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726751 DUPLICATE COPY A=4EMEE( )000<- Page 6 of 6 Magical Cancun - 90+ Offers and up to $150 Statement Credit Escape to Cancun this summer or fall. A perfect mix of nature and culture-- amazing beaches and breathtaking waters, great shopping and dining, Mayan MES N! ruins and cultural riches, world-class hotels, watersports and other adventures. Travel Simply reserve your vacation with American Express Travel to receive 90+ offers for shopping, dining, car rentals and some of the region's most popular excursions'... and if you qualify, take advantage of your Cardmember Annual Travel Benefit"--a statement credit up to $150. *0n new bookings from 6/1104. Travel through 11/30/04. Restrictions may apply and vary by merchant. —On purchase ousted by a vacation package operator through participating American Express Travel Services U.S. locations of $2,000 or more per booking for $100 creek, or only kr Gold, Platinum Card° & Centurion* charge Card members, $2,500 or more for $150 credit. Not valid on independent air/hotelloar rental reservations. Available 1 per Card account per year—redeem 1 per booking. Other Terms, Condlions and Restrictions apply. To plan your vacation to Cancun and for details on your Cardmember Annual Travel Benefit, cal American Express Travel toll-free at 1.866-AXP-0001. CST#1022318-10, TA-149 Registered Ohio Travel , Washington UBI# 6 -694, ML#1192. PROMO CODE: C222:0001. (CE 104553) Are You Overpaying for Personal Checks? Tired of the inconvenience of ordering your personal checks through your bank? Since 1.997, American Express Publishing has been offering personal and business checks and accessories to Cardmembers at prices up to 50% less than financial institutions. Other quality products we offer are address labels, deposit slips, checkbook organizers, stamps, binders, and more. We adhere to security features that exceed industry standards, as well as strict confidentiality of account information. And, we offer an unconditional money-back satisfaction guarantee. Order your checks now from a trusted name--American Express. Order now at www.amexpub.comr checks/statement or call 1.8t)g662-2314 to request a brochure. (CE 104541) American Express® Gift Card - For All Occasions The American Express Gift Card is a perfect solution for all of your gift-giving needs. Whether buying gifts for your loved ones for Father's Day or special events like graduation and weddings, the Gift Card makes a perfect gift for any occasion because it is accepted all over the place.* The Card is available in denominations from $25 to $500 and is packaged in a gold envelope with a personalized message card.** *Accepted at millions of retailers and restaurants throughout the U.S. where American Express* Cards are accepted. Card and shipping fees apply. For complete Terms and Conditions, please visit vnwv.americanexpress.comibestgift or call 1-877-AXP-GIFT. American Express Gift Card: - Prepaid - Accepted in millions of restaurants and retailers in the U.S. - Funds never expire Available at: vnvw.amerlconexpross. corrubestglft or 1.866-256-GIFT. (CE 104533) Now Accepting the American Express® Card! Gooseberry Patch - Where you can find all the comforts of home shop online at www.gooseberrypatch.com or call 1-800.854-6673 for more information. Merriweather Post Pavilion - Maryland's premier outdoor concert venue located in Columbia, MD. Visit us at www.Merdweather music.com for ticket info/events. 410-715-5550. Unfinished Furniture Mart - One of Virginia's largest furniture retailers specializing only in unfinished solid wood furniture. 10294 Portsmouth Rd., Manassas, VA. 703-530-7564. If there are other places where you would like to see the Card accepted, please call the Customer Service number that is located at the top of your statement or the number that is on the back of your Card. (CE 104487) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726752 DUPLICATE COPY Optima® from American Express . ... it.05/31Points Available's /04riaienafiaigiSZcia:iire paid -full and etre/ed.:Unit areingOOdatanding., Ptmieut Mots $ Pmmtni Parity $ im. QIM wAeVely$ FinArati ra latey AcoctAMenta How Etilixo $ CmirgCMIO 07/16/04 tanimum Amount Duet Page 1 of 8 Payment Due Date 08/10/04 Please refer to page 2 for important information regarding your account 5,938.26 -120.00 +65.29 =5,883.55 1 1 8.0 0 Credit Line Summary on 07/16/04 Total Credit Une $ 9,800.00 Available Credt tine $ 3,916.00 Cash Advance Limit $ 8,100.00 Available Cash Limit $ 3,916.00 Minimum payment due by payment due date. Remember, you can pay your bill online anytime, anywhere at www.americanexpress.comipaybill. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $3,916.00. Contact us at www.americanexpress.com or call Customer Service at 1-800-635-5965. Purchase Protection Plan - Shop With Confidence While Using the Card The cat knocked over the brand new vase--good thing you bought it with your Card. The Purchase Protection Plan will repair or replace it--or even reimburse the amount you charged to the Card for covered items, up to $1,000 per Occurrence, if they are accidentally damaged or stolen within 90 days from the date of purchase. For more information, just call 1-800-322-1277. The Purchase Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the Terms, Conditions, and Exclusions of Policy AX0951. See Description of Coverage for complete details. • Activity .was"“" da :,2114/94.02AYIAENTsREC IVED -TH NKNOU07114t.. New Attila" catinca. AmOUllt $ 07/12/04 DELINQUENCY FEE ASSESSMENT MIN PAYMENT NOT RECEIVED BY DUE DATE 644.O g`-:, •11.20;00 Amount 35.00 07/16/04 Penolic FINANCE CHARGE 30.29 Total of New Activity 65.29 P*4341tUti on Its prolo•Mon bckw. atd teuen talt tour paimert Payment Coupon PPM i MD 20876 - 5960 Mail Payment to: Payment Due Date: 08/10/04 Total New Balance $ 5,883.55 Minimum Amount Due $118.00 I • I Amount enclosed II,IiIII.I.I.,III,III,I,III.illiell1.1.11.1.11,111.11Ii.Illeil AMERICAN EXPRESS PO SOX 360002 FT LAUDERDALE FL 33336-0002 I Iltlidilm.1.11 Continued on Page 3 Please enter account number on all checks and correspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Date. Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to all of your Card Accounts except any Corporate Card Accounts you have. O 000588355000011800 17HH EFTA01726753 DUPLICATE COPY 367clioaroosi Page 2 of 8 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments, must be in US Dollars and drawn on a bank located in the US (other than a line of deft check issued by American Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remittance stub attached and account number listed on the check Please do not send post-dated checks. They vat be deposited upon receipt If payment is made in any other form or al any other location, there may be a delay in processing. We reserve the right to process checks eledronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments:By using, the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment ,seerice, you will be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at www.americanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Er press Travel Service Office or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under th's method, we figure the FC on your Account by applyng' the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous billing periods), (2). add any new transactions, debks, or fees, (3) subtract any payments or credits, and (4) make any appropriate adustments. For each day after the first day of the billing period, we also add an amount of ireerest equal to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginningbalance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all Me der balances for the feature for the billing period and (Wide the total by the number of days in the biting period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daly Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous months statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by rounding. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. This method of calculating the Average Daily Balance end FC results in daily compounding of FC. The minimum FC for any billing period in which FC are imposed is $0.50. Billing Rights Summon.: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, cr if you needmere information about a transaction on your bill, write us on a separate sheet of paper at the address noted to the right. We must hear from you no later than 60 days after we sent you the FIRST bill on which the error or problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. In your letter, give us the following information: 1. Your name and account number; 2. The dollar amount of the suspected error; 3. Describe why you believe there is an error. If you reed more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still cbigated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days bolero the automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods or services thal you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may, not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mauling address. (If we cowl or operate the merchant, cirri we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location ofthe purchase.) In Case of Errors or Questions About Your Electronic Transfers: Please contact us by clicking on the Customer Service Unk online at wonv.americanexpress.00m, or you can call us at 1-80D-(PAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOW for Express Cash & automatic payment Issues. You can alsowrite to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hoar from you no later than 60 days after we sent you the FIRST statement on which the problem cr error appeared. When contacting us: 1. Tell us your name & account number, 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & 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 use of the moneyduring the tirno it takes us to complete our investigation. Credit Balance: If a am* balance (designated *CR" is shown on this statement, it represents money owed to you. You may make charges against the credit balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, we wil, within 30 days after expiration of the six-month period following the date of the first statement indicating the meek balance, issue a check to you for the credit balance in your account if the amount is $1.00 or more. Creditor: American Express Centurion Bank or American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, foes and grace periods by calling 1.800.518-8866. Change of Address If camel on front do not use Myrna Company Nano Sfrott Addroco Cty, Stale tp Ccde Area Code end Herne Phone Area Cade and Walt Phone Erna 17- 1- r -1- 1- 1 L I I I I J To Pay By Phone 1.800-472.9297 Customer Service 1-800-635-5955 24 hoursf7 days International Collect 1-336-393-1111 Hearingg Impaired (9am- EST) 11Y: 1-800.221-9950 FAX: 1-800-695-9090 In NY: 1-800-552-1897 Correspondence Customer Service 777 American Expressway Ft. Lauderdale, FL 33337-0001 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing your email address to American Express will enable you umil to receivespecialoffers. suited to your needs. EFTA01726754 DUPLICATE COPY ArcunANumbet accig Date XXXX-XXXX 07/16/04 Page 3 of 8 Finance Charges Billing days this period: 31 Average Daly Balance $ Daily Periocfic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGE $ Purchases 265.99 0.0246% 8.99% 8.99% 2.03 Cash Advances 0.00 0.0520% 0.00% 18.99% 0.00 Check/Balance Transfer 5,626.44 0.0162% 5.90% 5.90% 28.26 30.29 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wan Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01726755 DUPLICATE COPY xxxx-xxxx> Pa- 4 of 8 EFTA01726756 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) www.americanexpress.com/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 Membe s Options' Monthly Statement and Program News Statement Period May 1, 2004 - May 31, 2004 Account activity after this period does not appear on this statement Available Points 1,575 Points are available when charges are paid in lull and all your accounts are in good standing. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 1,575 0 0 0 1,575 New Points Earned 05/01/04 - 05/31/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 Totals 0 0 0 lAwriumenp Rev.:nes Option, pen's earned may to trantord cc tanned as tap as all enrokd Gad accrue*. aro in gad randeg. Points l'entwed a roamial cavv: be 'tined beck it the FeeLvern. Forlelled points can be rebated for a fee by calling the number provided below. Enable Cardcharges we Wired in the Mernteislep Punch opals ptgern Team and anddrci in yew lAprbrehr Pewwdt 0fkali at. rim. nauecnosecro, pare rut enflame rIconeeprence ormembashiprewar Our dons or cal 1.80)-AXP.E.APti (2974270. Fran worms, canctect 305-518-278d. keit:Sleek Z.* or•se• STANWOOD PRIEPERRED GUEST Earn More! New ways to earn points. The Rainbow Collection from Brooks Brothers Paired with crisp khakis, flat-front slacks or a simple blazer, you can find colorful shirts from Brooks Brothers that will add a smart yet playful touch to any outfit. Shop at Brooks Brothers for all your fashion needs once you redeem Membership Rewards > points and receive your Brooks Brothers Gift Cards. Earn 50% More Starpoints! Transfer Membership Rewards® points to your Stanwood Preferred Guest (SPG) account from July 1 to August 31, 2004, and receive 50% more Starpointsl That's 500 Starpoints for every 1,000 Membership Rewards points transferred, instead of the regular 333 Starpoints. SPG unites more than 750 of the world's best hotels including Westin® Hotels & Resorts and Sheraton. Hotels & Resorts. To ro deem. enrollees mud nave equated ray at a Sep:wool Hotel axl Resat poets b accost wt. eve per 12 months Page 5 of 8 A tner i tnn Exprets• Visit americanexpress. corn/rewards or call 1-800-AXP-BARN (297-3276) to redeem points for Brooks Brothers Gift Cards. (MR Message 2440) Transfer points at mom. amedcanoxpress.com/ rewards or call 1.800-AXP-EARN (297-3276) or contact Stanwood Preferred Guest at 1.888.625.4988 or waw.spg.com. (Message 4064) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726757 MilmilliiirATE COPY P.R./XThe AXOUlt Nutter Amerit:an Expresa• ,.71,,AILMOCNSH IF: Ru. Page 6 of 8 XS el iEliti•tiltiiis• ,E .0.. PA, Me E50NIg *AR 0 b‘ bt • • • • • I • FRONTIER A I R L I N E S a SeaWorld. ADVENTURE PARKS DANA L.A.:eyefa MN Fleming's Prime Steakhouse & Wine Bar Certificates Turn an evening out into a memorable occasion. Fleming's Prime Steakhouse & Wine Bar is renowned for its stylish dining, lively atmosphere and innovative wine list. Redeem Membership Rewards® points for $50 or $100 certificates toward your dining experience at Fleming's Prime Steakhouse & Wine Bar. For more information or to find a location nearest to you, visit www.flemingssteakhouse.com. Fly to Mexico on Frontier Airlines Redeem 30,000 Membership Rewards@ points for an Economy Class ticket on Frontier Airlines and fly to any destination the airlines flies in Mexico, including Cabo San Lucas, Cancun, Ixtapa/Zihuatenejo, Mazatlan and Puerto Vallarta. Consider Frontier for other destinations as well. It is the one of the largest jet carriers at Denver International Airport, with nonstop service from there to more than 40 cities in the U.S. and Mexico. Call Frontier Airlines at 1-877-302-8803 to make a reservation. Donate Membership Rewards® Points to More Than 850,000 Charities Lend a hand to those in need with Membership Rewards points. Now, you can donate Membership Rewards points to more than 850,000 charities. • Log on to www.amerIcanexpress.com/gIve and redeem points today. SeaWorld and Busch Gardens Adventure Parks Experience a world of unique attractions and incredible thrills by redeeming Membership Rewardse points for tickets to SeaWorld and Busch Gardens Adventure Parks. You can redeem for tickets for multiple parks, including Busch Gardens (Tampa, Williamsburg), Adventure Island (Tampa), SeaWorld (San Antonio, San Diego, Orlando), Water Country (Williamsburg) and Sesame Place (Philadelphia). Tads lecativenture blast (rant* Guth Gardena (Tempe) aid SeaWali (Al ktators) valid Womb herd, 31.2035. 7kbale lot Sawh ambit (Wilrebusia) Weer Getty (Welawallst) and snail* Place (Ibtadelptes) ate %iterate the 20:la seaeea. Teals ate non-replaceetle a tot or Orion. To start redeeming today, log on to www.american express.com/rewards or 11.800-AXP-EARN (297-3276). (MR Message 5227) Visit www.american express.comlrewards or call 1.800-AXP-EARN (297-3276). (MR Message 3184) To start donating Membership Rewards points, visit www. amedeanexpress.com/ give. (MR Message 6334) To review these rewards and redeem points for tickets, visit www. amertcanexpress.com/ rewards or call 1.800-AXP-EARN (297-3276). (MR Message 3076) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726758 DUPLICATE COPY Axant 'Junta XXXX-XXXXX Clanbg Delo 07/16/04 Page 7 of B LENDER omExtras- Mortgage Rates Are Low! Get the Guaranteed Best Price If you're looking to buy a home or to refinance your mortgage, American Express Mortgages" can save you hundreds of dollars a month in mortgage payments. With mortgage rates near all time lows, the time to purchase or refinance is now. The application is easy to complete and most loan decisions are made in minutes--plus, you will receive the best price guaranteed or you could receive $500.' *A customer must provide a complete, system-generated Good Faith Estimate, listing a specific lender's name that is dated the same day as the rate quoted by us. If such Good Faith Estimate Indicates a lower interest rate than our rate, Inclusive of points and loan fees, for the same loan program that is offered by us--and we have verified the accuracy of the rate and fees listed, then we will have the option of beating that lenders total loan costs by $100 or paying the customer $500 ($750 for properties located in California) when they close with that lender and provide us with a copy of the signed Note and Final HUD-1 Settlement Statement. "Mortgage loans are provided by American Express Bank, FSB, an FDIC-insured federal savings bank. American Express Bank, FSB, S an American Express company and an Equal Housing Lender. Contact us today! Call 1.800-AXP-1008 or visit www.americanexpress. com/mortgages. Use offer code C84. (CE 104580) Pay Your Bill Easily - Online Sign up to pay your bill online and experience the ease of paying your charges anytime and anywhere. With 24/7 access to your account, all you have to do is log on to view your statement and most recent account activity, and then pay your bill in a matter of seconds without a single stamp or envelope. You'll even receive an instant payment confirmation as soon as you're through. And, for your added convenience, you can print and save your statement for your records. Make paying your bill online a part of your monthly routine. Sign up today at mvw.americanexpress. com/paycardbIll. (CE 104583) Puerto Rico $100 Value Card & Up to $150 Statement Credit You're not dreaming, you're in Puerto Rico. Escape to Puerto Rico, the Island of Enchantment, now through October 31, 2004. A perfect mix of natural beauty and rural landscapes--amazing beaches and turquoise waters, world-class shopping, dining, Old San Juan and cultural riches, world-class hotels, outstanding golf courses, watersports and other adventures. Simply reserve your vacation of four nights or more with American Express Travel to receive $100 American Express Shopping Card good at participating merchants for shopping, dining, car rentals and some of the region's most popular excursions' and if you qualify, take advantage of your Cardmember Annual Travel Benefits statement credit up to $150... 'On new vacation package bookings from 6/15/04 to 9/30/04. Travel through 10/31/04. Restrictions may apply. American Express Shopping Card of $100 can be used towards purchases at participating merchants. Not redeemable for cash. Other material Terms, Conditions and Restrictions apply. "On purchase offered by a vacation padcage rator through participating American Express Travel Services U.S. locations of $2,9 r I or more per booking for $100 creed or, only for Gold, Platinum Card° & Centurion° charge Card members, $2,500 or more for $150 credit. Not valid on Independent aiahotel/car rental reservations. Avakble once per Card account per year. May only redeem 1 per booking. To plan your vacation to Puerto Rico and for details on your Cardmember Annual Travel Benefit, call American Express Travel toll-free at 1.888-AXP-0059. CSTif 1022318-10, TA-149 Registered Ohio Travel Agency, Washington UBI# 600.469.694, ML$1192. PROMO CODE: C9810001. (CE 104661) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726759 DUPLICATE COPY Accamt Ntrnbe. )OOO(- Page 8 of 8 A Special TravelFunds Card Offer for AARP Members Receive a complimentary emergency travel kit with the purchase of $1,000 or more in TravelFunds Cards from American Express.* It has the safety and security of Travelers Cheques and the convenience of a Card. The TravelFunds Card is prepaid and reloadable. It is safer than carrying cash and is not linked to your bank account. If it is lost or stolen, your balance is refunded, usually within 24 hours. Offer also available when purchasing American Express Travelers Cheques and foreign currency. 'Limit one kit per order. There is a $14.95 Issuance fee per TravelFunds Card purchase, which includes standard shipping and processing. For complete Tears and Conditions, visit unwe.aarp.orgramex Offer available for AARP members only at wvAy.aarp.orgrarnex and at 1400-721-9754. Members must enter or mention promotion coda 101. (CE 104632) Your Auto Insurance Rates Should Be Reviewed Often Because rates vary considerably from company to company, comparing auto insurance rates could save you a significant amount of money.The American Express Property Casualty companies offer outstanding rates, world-class service and friendly, fair claims handling. We invite you to receive a no-obligation quote to ensure you are not paying too much. Property Casualty insurance Is underwritten In De Pere, VYI by AMEX Assurance Company (licensed in aN 50 states, Puerto Rico and Canada)** IDS Property Casualty Insurance Company (licensed in AZ, CA, IL, IN, MN, SD, TX and WI). Both aro wholly owned subsidiaries of American Express. Insurance not available in all states. Cal 1.800442.3344 today and be sure to mention reference code 1N9 to receive your quick, no-obligation quote. Cr, if you prefer, visit americanexpress.comf autohome to get your quote. (CE 104630) Now Accepting the American Express® Card! Wendy's® - Enjoy hot'n juicy® hamburgers, Garden Sensation' Salads and Chicken Temptations'. Applies to locations that accept American Express Cards. www.wendys.com. Relish - A Washington, D.0 boutique expands into Georgetown, featuring European menswear, accessories and beauty bar. 3312 Cady's Alley, Washington, DC. 202-333-5343. Falls Road Veterinary Hospital - AAHA approved, offers complete veterinary services, a complete in-house lab, bathing, surgeries and grooming services. 301-983-8400. If there are other places where you would like to see the Card accepted, please call the Customer Service number that is located at the top of your statement or the number that is on the back of your Card. (CE 104610) How to Save up to 15% Off a Shopping Bill in Europe When shopping in the European Union countries, VAT (equivalent to sales tax) is included in the prices that you see, rather than added on at the cash register. As a resident outside of the European Union, one can reclaim up to 15% off the purchase price when leaving the country. And, so not to waste time at the airport foreign exchange desks, one can simply indicate on the form that they would like the refund to be credited to their American Express® Card. A person must be resident outside of the European Union in order to benefit from tax-free shopping. VAT rates and minimum spending requirements vary by country. Please refer to wvnvemericanexpress.cornaraveltIps for further details. To find out more about tax-free shopping, please visit vNiw.amerIcan express.comnraveltIps. Please don't forget to ask a representative from Customs and Excise to stamp the form upon foal departure. (CE 104591) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726760 DUPLICATE COPY Optima® from American Express New &Miry $ Inc. Ad trients and Pronto' Balance Damian MOAN FananeoChaps d any Acmat Winter Now Sabres Membership Rewards . Points AvaiIablo at 06!30104. when chargesduee.re paid ini hill'and all accounts are in good stancrvig‘M cocky Dab 08/15/04 Minimum Amount Due Page 1 of 8 Payment Due Date 09/09/04 Please refer to page 2 for important information regarding your account 5,883.55 -118.00 +64.21 =5,829.76 1 1 7.0 0 Credit Line Summary on 08/15/04 Total Credit Line $ 9,800.00 Available Credit Line $ 3,970.00 Cash Advance Umit $ 8,100.00 Available Cash Limit S 3,970.00 Minimum payment due by payment due date. Remember, you can pay your bill online anytime, anywhere at www.americanexpress.com/paybill. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $3,970.00. Contact us at www.americanexpress.com or call Customer Service at 1-800-635-5955. Global Assist® Hotline - Travel with Confidence When you travel 100 miles or more away from home, rely on the Global Assist Hotline for around-the-clock medical, legal, travel or financial assistance. For medical needs, American Express will provide you with a list of dentists and physicians in your destination, assist with travel arrangements if you need to get home in a hurry, and help replace lost medication. We will also wire you emergency cash, point out the nearest ATM, and even explain the visa requirements before you go. For more information, visit www.amerIcanexpress.com/benefits. While the Global Assist services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party providers. Activity .fr'sc4"`Ce'"'"e Amount t 08/12/04 DELINQUENCY FEE ASSESSMENT MIN PAYMENT NOT RECEIVED BY DUE DATE 35.00 08/15/04 Penock FINANCE CHARGE 29.21 Total of New Activity 64.21 3 Mobe kid an the pintos',. bobn, &look ad Mum wilt your parnent 3 Payment Coupon GERMANTOWN LIMO tLddtttltlltnl Mail Payment to: MD 20876-5960 Payment Due Date: 09/09/04 Total New Balance S 5,829.76 Minimum Amount Due $117.00 • Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I Continued on Page 3 Please enter account number on all checks and correspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Date. Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to all of your Card Accounts except any Corporate Card Accounts you have. 000582976000011700 EFTA01726761 DUPLICATE COPY Accout >acatrc<x)imi Page 2 of 8 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments, must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remittance stub attached and account number listed on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment, and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a daft against your account for the amount of the check. Authorization for Electronic Payments:By using the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you will be authorizing Amencan Express to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at www.ameneanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. Finance Charges: Average Daily. Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the PC on ycur Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash Advance and Balance Transfer features)7 of your Account (including current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (incUdLng unpaid FC from previous billing periods), (2) add any new transactions, debits, or fees, (3) suited any payments Cr credits, and (4) make any appropriate adantinents. For each day after the first multipliedof billing period, we also add en amount of interest equal to the previous day's daily balance by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the biting period andavid° the total by the number of days in the bang period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance wall be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daly Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by rounding. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. This method- of calculating the Average Daily Balance and FC results fn daily compounding of FC. The minimum FC for any billing perlod in which FC are imposed is $0.50. BIllIno Rlahts Summary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if you need more inform ion about a trarsaction on your tic write us on a separate sheet of paper at the address noted to the right. We must hear from you no later than 60days after we sent you the FIR$Tbill on which the error or emblem appeared. You can telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. In your letter, give us the following Information: 1. Your name and account number; 2. The dollar amount of the suspected error; 3. Describe why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are stil obligated to pay the parts of your bill that are not inquestion. Whie we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have emblem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own a operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) In Case of Errorsor Questions About Your Electronic Transfers: Please contact us by aching on the Customer Service Unk online at www.americanexpress.com, or youoan call us at 1.800-IPAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOW for Express Cash & automatic payment issues. You canals° write lathe Express Cash Operations address indicated on your statement If you think your statement, receipt , or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRSTstatement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as dearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & 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 use of the moneydurIng the time it takes us to complete our investigation. Credit Balance: If a credit balance (designated TR" is shown on this statement, it represents money owed to you. You may make charges against the credit balance or request a refund. If you do not make sufficient charges against the credit balance or recpest a refund, we will, within 30 days after expiration of the six-month period fallowing the date of the first statement indicating the credit balance, issue a check to you for the credit balance in your account if the amount is$1.00 or more. Creditor: American Express Centurion Bank. New York residents may contact the New YOliC Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Chasse of Address If confect on from do not use Nam Cancany Nxne She', Address Cry. Stale Zp Code Area Code and Horne Phone Area Cede and Work Room, &nal 17- IleS•WdriPul, Ineemilnene•maidirsiessiii To Pay By Phone 1-800472-9297 Customer Service 1-800-635-5955 24 hours/7 days International Collect 1-336-393-1111 Hearing Impaired (dam-5pm, EST) M: 1.800.221-9950 FAX: 1.800-695-9090 In NY: 1-800-552-1897 V Correspondence Customer Service 777 American Expressway Ft. Lauderdale, FL 33337-0001 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing your email address to American Express will enable you to receivespeciai otters, suited to your needs. EFTA01726762 DUPLICATE COPY P F boom Neater Claim Dale )0CXXX-)000al 08/15/04 Page 3 of 8 Finance Charges Nang days this Wad: 30 Average Daily Balance $ Daily Periocic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGE $ PurchaSeS 303.19 0.0253% 9.24% 9.24% aao Cash Advances 0.00 0.0527% 0.00% 19.24% 0.00 Check/Balance Transfer 5,537.78 0.0162% 5.90°A 5.90% 26.91 29.21 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01726763 DUPLICATE COPY )ticarooc Page 4 of 8 EFTA01726764 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) vnyw.americanexpresscorn/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 Memberaiiiiticitiefiils Options' Monthly Statement and Program News Statement Period June 1, 2004 - June 30, 2004 Account activity after this period does not appear on this statement 'Jest lascunt el retire Available Points 1,575 Pcints are available when charges are paid in full and all your accounts are in good standing. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 1,575 0 0 0 1,575 New Points Earned C6/01/04 - 06/30/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 Totals 0 0 0 M./rowing Rewaeda Clean pons eared may be Irmetood a redefined as big as all enrolled Cwd aaaatinb areWired Vandec PArel traesArral a rcOtomod carnal bo reversed back lea the proxam. Forfeited paleface's be reinstated fora fee by calling the number provided below. Egklo Ca:doh:rues are °Aired nLc bierobesslip Rewards Opeans program Teens end Condit:to in your leernbenhip Rewards apices Gyula. r you have questonk dove vise WintamerIcanrrxprencornimembershIpeewardsoPtlims or cal 1-800AXP-EARN (29732707. Franavant% Call cAerl 50541.6-2799. lot,ass' Earn More! New ways to earn points. Use Miles as Money with GlobalPass® GlobalPass offers Membership Rewards® enrollees the ability to use Miles as Money toward any airline, anytime. With the GlobalPass SuperAwardsm Program, transfer Membership Rewards points to GlobalMiles' and redeem toward tickets on any airline worldwide! GlobalPass also offers GlobalAwardse, allowing enrollees to redeem Membership Rewards points toward travel on GlobalPass Affiliated Airlines including AeroPostal, TACA and KLM. Earn Up to 1,500 Bonus Points with AOL® 9.0 Optimized! Membership Rewards• enrollees get AOL--FREE for 50 days. Plus, earn up to 1,500 bonus points (500/paid mo.) when you sign up with an eligible, enrolled American Express. Card and stay on AOL after the trial period ends. AOL TRW. //CST BE USEDWEAN 50 DAYS OF INITIAL SIGN.ON. To :tread bong fee. cancelbonKA ends regiske by 900(01 inky pttex et UAL aril pay AOC itti r IAA& bonus ;cleft To to ler base pains, melte enrolledIn hrembentip Reward: at lira AO/ fee is ehmrged So AMEX Card. Bonus soils war be awarded SCOW) Sof nth Wel mane, of AOL mantels* lea :es ea mar or 1,5C0 pedals. /Ain charge AOL mordNy lee to el9ble earolel AMEX Card Bonia rCinbl Wirt to anxitoi b Membwslip Rewards rod wehin 10.12 weals sire charger spin en bilr'q tent To be °tea:do:I tons pares, yen rival pay AOL inerthly membershiplen by 411505. Boma 0:7402. Page 5 of 8 American E To transfer Membership Rewards pants to GlobalPass Miles, call 1.800-AXP-EARN (297-3276) or go to www.american express.00m/rewards. (MR Message 6387) Cal! 1.800.2763459 or visit vninctree.aoi. comimri for complete terms and conditions. (MR Message 9033) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726765 A onerica it Express° ifitaii Ex int.S. • Alitalia CAP ATE COPY PAsetaisti RemardvIt Aixotnt Nutrist rr mEmeen,H,p III-11 • - - - - - - Redeem Membership Reward®s po nts with Discovery Channel Stores! Discovery Channel reaches beyond the television screen to bring you a universe of products guaranteed to "Entertain Your Brain". From leading-edge electronics to exclusive toys, there are plenty of products to help you share the spirit of Discovery. Experience Italy with Alitalia! As Italy's premier airline, Alitalia offers the most non-stop flights to Italy from all its U.S. gateways. Enjoy wide-body seats, superb gastronomy, an extraordinary in-flight boutique and world-famous service from the people who have turned living into an art form. Redeem Membership Rewards® points and experience the passion of Italy. Take advantage of the new Magnifica Class Companion reward and bring a friend! Amazing Back-to-School Savings at Staples®! From crayons to calculators and pencils to portfolios, Staples makes it easy to find the hottest buys all in one place. Redeem Membership Rewards® points for Staples Awards and shop in store, through the catalog or online at Staples.com. It's all here, you're all done! Stay at Omni Hotels® with Membership Rewards® Redeem 21,000 Membership Rewards points for the Omni Hotels "Ideal" Award, valid for a one-night stay at a majority of Omni Hotels any night of the week. Omni Hotels has luxury accommodations at over 40 hotels and resorts located throughout the U.S., Canada and Mexico. Back to School with Gap Gift Cards Redeem Membership Rewards® points for $25 or $50 Gap Gift Cards! Get the school year off to a great start by using a Gap Gift Card to get your favorite classics or the season's latest looks. Gap has styles for every generation. Gap Gift Cards can be used at any Gap store in the U.S. and at www.gap.com where you'll find more sizes, more fits and more washes. Page 6 of 8 To find the nearest store or begin your shopping online, visit www. dIscovery.com/store or visit www.american express.comirewards or call 1.900-AXP-EARN (297-3276). (MR Message 6339) Visit www.amorican express.com'rewards or call 1.800-AXP-EARN (297-3276). (MR Message 6344) visit amedcanexpress.comf rewards or call 1.800-AXP-EARN (297-3276). (MR Message 7079) To review this reward and redeem points, visit www. amedcanexpress.corni rewards or call 1.800-AXP-EARN (297-3276). (MR Message 1028) To rind out more about using Membership Rewards points to get Gap Girt Cards, visit www. americanexpress.comi rewards or call 1.800-AXP-EARN (297-3276). (MR Message 1099) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726766 DUPLICATE COPY *rrrryjsmrs.cy Accard Minter CI:dng Oda )000C-x)00< 08/15/04 CustomExtrar Page 7 of 8 Macy's Passport '04: Fashion Show Benefit American Express presents, Passport a spectacular theatrical fashion show captivating you with music, live performances, supermodels, celebrities, internationally acclaimed fashion designers, and the best of Macy's Fall collection. Unlike any other fashion show, Passport merges fashion and compassion, and this year returns revitalized to inspire. Now in its 22nd year, Passport has raised nearly $18 million for HIV/AIDS research, prevention and direct-care programs. The evening includes a reception, Celebrity Fantasy Auction, and the Passport Fashion Show. Join us and experience the journey. For more Information, please visit www.ticketmaster.com/passport. Runway Seats $150. Preferred Seats $75. Tickets on sale 8/15. SAN FRANCISCO Fort Mason Center: Cardmember Evening, 9/22. Black Tie Gala Evening, 9/23. LOS ANGELES Barker Hangar. VIP Lounge and Gala Evening, 9/30. (CE 104764) Save $10 off a Purchase of $50 or more* at Foot Locker This back-to-school you can save $10.off a purchase of $50 or more* on some of the hottest athletic footwear, apparel and accessories when you use your American Express® Card. Bring this statement to any Foot Locker, Lady Foot Locker, Kids Foot Locker, Champs Sports and Footaction store in the USA. Feet Locker. Lady Foot Locker feet Locker CHI.% mPS a wart uits ICICOACT ION* 'This American Express statement must be presented at time of purchase and cannot be used in conjunction with any ether certificate or savings offer. Not redeemable for cash. Applicable taxes must be paid by bearer. Cannot be applied to prior purchase, purchase of gift card, Internet or catalog purchases. Valid for one visit only. Void if copied and where prohibited, licensed or regulated. Some other exclusions may apply. See store associate for details. To find the Foot Locker, Lady Foot Locker, Kids Foot Locker, Champs Sports or Footaction location nearest you, call 1-800-991-6881. Offer valid: 8/1/04.9/30/04. (keycodo: A48). (CE 104770) Are You Overpaying for Personal Checks? Tired of the inconvenience of ordering your personal checks through your bank? Since 1997, American Express Publishing has been offering personal and business checks and accessories to Cardmembers at prices up to 50% less than financial institutions. Other quality products we otter are address labels, deposit slips, checkbook organizers, stamps, binders, and more. We adhere to security features that exceed industry standards, as well as strict confidentiality of account information. And, we offer an unconditional money-back satisfaction guaranteed. Order your checks now from a trusted name--American Express. Order now at www.amexpub.com/ checks/statement or call 1-800-662-2314 to request a brochure. (CE 104812) Donate to the MDA Telethon With the Card and We Will Too! American Express is a proud sponsor of the 2004 Jerry Lewis Muscular Dystrophy Telethon. MDA combats neuromuscular diseases through programs of worldwide research, comprehensive medical and community services, and far-reaching professional and public health education. And, to celebrate our seventh consecutive year as a sponsor, American Express is going to make a $5 contribution for every time a donation is charged to the Card during the telethon. If you aren't able to tune in, go to www.mdausa.org to donate and learn more about MDA. $5 donations from American Express to the MDA we not tax-cleckmtkole. American Express will donate a maximum of $160,000. U0.41UthiCri Well donate $5 to the MDA when you charge your contribution to your American Express. Card during the telethon. Please check local listings and tune in on September 5-6 and give generously! (CE 104763) Now Accepting American Express® Cards! Little Giant Ladder Systems - Strong, safe and versatile. To learn more and place an order, visit www.littlegiantladders.com or call 1-800-767-3535 today. Aria - For the tastes, style and flavor of a neighborhood Italian trattoria. Al fresco dining, 1300 Pennsylvania Ave. N.W. Call 202-312-1250 or visit www.ariatrattoria.com. Leesburg Pharmacy - Offers more than your traditional pharmacy. Visit us for gifts, medical equipment, and more. 36-C Catoctin Circle, Leesburg, VA. Call 703-777-5333. If there are other places where you would like to see the Card accepted, please call the Customer Service number that is located at the top of your statement or the number that is on the back of your Card. (CE 104733) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726767 DUPLICATE COPY Pt rd For Account Malt'. )OOOOOeXa Page 8 of 8 A Special TravelFunds® Card Offer for AARP Members Receive a complimentary emergency travel kit with the purchase of $1000 or more in TravelFunds Cards from American Express.* It has the safety and security of Travelers Cheques with the convenience of a plastic Card. It's also prepaid and reloadable. Like Travelers Cheques, if it is lost or stolen, the balance on your Card is refunded, usually within 24 hrs. Offer is also available for U.S. Travelers Cheques, "fee-free" foreign currency Travelers Cheques and "fee-free" foreign currency. 'Limit one Idt per order. There is a $14.95 Issuance fee per TravelFunds Card purchase, which includes standard shipping and processing, $15.00 order fee plus shipping for U.S. Travelers Cheques. For complete terms and conditions, visit wwwattup.orgfamex. Offer available hr AARP members ONLY at vevny.aarp.orgramex and at 1400-721-9754. Members must enter or mention promotion code 101. (CE 104772) Sign Up For American Express Alerts Get important information pertaining to your account delivered to you whenever and wherever you want. With American Express Alerts, you can choose to be notified when your payment is due, irregular account activity is detected, your payment Is received and you are approaching your line of credit/spending limit. Alerts can be sent to your e-mail address, mobile phone, pager or PDA. To sign up for Alerts, visit vnnyamerfcanexpress. com/alerts. (CE 104807) The Purchase Protection Plan - At No Additional Charge If it's damaged or stolen, we can help.You just dropped your brand new vase? Not to worry. With the Purchase Protection Plan, you're covered against accidental damage and theft for 90 days from the date of purchase. For more information, call 1.800-322-1277. (CE 104808) You Could Be Paying Too Much for Your Auto Insurance More than 75,000 Cardmembers have already made the switch to the American Express Property Casualty companies' auto and home Insurance! We otter great rates—in fact, we beat our competitors' prices 54% of the timel* Plus, get valuable extras like free roadside assistance when you buy towing coverage, convenient payment options and the freedom to pick your own repair shop. 'Price comparison data collected from respondents at time of contact. Statistics based on a countrywide average during a six-month period ening 3/31/03. Properly Casualty insurance is underwritten by AMEX Assurance Company or IDS Property Casualty Insurance Company, De Pere, WI. Discounts apply to certain coverages and vary by state. insurance not wreaks in all states. Call 1.800-842.3344 today and be sure to mention reference code 1N9 to receive your quick, no-obligation quote! Or, if you prefer, visit iinvw.ammicanexpress. com/autohome to request your quote. Service you'd expect. Savings you wouldn't.° (CE 104813) Request Your FREE Financial Workbook Available from American Express Financial Advisors, our Smart Money Management Workbook contains 18 pages of easy-to-follow information including worksheets, checklists and charts. American Express Financial Advisors is here to help you achieve financial success. In the complimentary workbook, you will find simple steps and smart strategies that will help you find ways to reduce your taxes, plan for college, balance risks and investments, and determine your net worth. Call 1-800-952-9271. Inanclal Advisor_ American Express Financial Advisors Inc. Member NASD. Order your FREE guide today by calling American Express Financial Advisors Inc. at 1.800-952.9271. (CE 104793) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726768 Optima® from American Express Praiout BORIC'S 5,829.76 etumentatia -117.00 DUPLICATE COPY Stye Aidinty$ inc.Adult/tufa and Sane Clwgee f eery +46.19 Ao:our I floater Neer &llama S =5,758.95 omireper, 09/15/04 1:9'.:Erp.rta go your ,account online, visit x: .ariii:riCantxprest;Cany, Page 1 cf 8 Minimum Amount Due $ 115.00 Credit Line Summary on 09/15/04 Total Credit Line $ Available Credit Line $ 9,800.00 4,041 00 Cash Advance Limit $ 8,100.00 Available Cash Unit $ 4,041.00 Payment Duo Date 10/10/04 Please refer to page 2 for important information regarding your account Minimum payment due by payment due date. Remember, you can pay your bill online anytime, anywhere at www.amerlcanexpress.com/paybill. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $4,041.00. Contact us at www.amerlcanexpress.com or call Customer Service at 1.800-635-5955. Buyer's Assurance - Extend Your Warranty Up to One Year Whether you need a new leaf blower or it's back to school with your laptop, remember to use your Card when you shop this fall. When you charge the entire cost of your covered product to your American Express. Card, the Buyer's Assurance Plan will extend the terms of the original manufacturer's warranty up to one additional year on warranties of five years or less. For more information, visit us online at www.americanexpress.com/buyersassurance. Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0953. See Description of Coverage for complete details. Activity .hielt"Pmregd.° ,:cercs* AY,PAErg'WPvP:ACH4;r: LXWO91,7• • AmouM3 08/16/04 GIANT FOOD INC 4362 GERMANTOWN MD 16.08 023140031 GROCERIES 08/16/04 09/15/04 Periodic FINANCE CHARGE 30.11 Total of New Activity 46.19 Please fall on the peroration tdood,cW.xl, and reUnsetth yar fri)men: Payment Coupon Ii. MD 20876-5960 Mail Payment to: Payment Due Date: 10/10/04 Total New Balance $ 5,758.95 Minimum Amount Due $115.00 • Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 IIIIIIIIIIIIIIIlllllll II IIIIIIII III Continued on Page 3 Please enter account number on all checks and correspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Date. Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to all of your Card Accounts except any Corporate Card Accounts you have. 000575895000011500 16rIrl EFTA01726769 DUPLICATE COPY Afixelffroixorcom Page 2 of 8 )O00( - Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars aid drawn on a bank located in the US (other than a line of credit check issued by Amencan Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remittance stub attached and account number listed on the check. Please do not send postdated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at fist presentment and any re-presentments, tor /transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checlang account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments:By using the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you will be authorizing Amencan Express to inmate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at www.americanexpress.00m. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by aPPleg the daily periodicrate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous billing periods), (2) add any now transactions, or foes, (3) subtract any payments or credits, and (4) make any appropriate adustrnents. For each day after the first day of the billing period, we also add an amount of interest equal to the previous clay's daily balance multiplied by the daily periodic rate lot the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the biting period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if You paid the New Balance if any, shown on your previous month'sstatement by the Payment Due Date shown on that statement. If you rarity the Average Daily Balance for each feature by the number of days in the biting period and the daily periodic rate for at feature, the result will be the FC assessed on that feature, except for variations caused pouncing. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. This method of calculteing the Average Daily Belem* end FC results in daily compounding of FC. The minimum FC for any billing period in which FC are imposed is $0.50. Billing Rights Summary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, Cr if you need more mformaton about atransaction on your bill, write us on a separate sheet of paper at the address noted to the right. We must hear from you no later than 60days after we sent you the FIRST bill on which the error or problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. In your letter, give us the following information: 1. Your name and account number; 2. The thaw: amount of the suspected error 3. Describe why you baieve there is an error. If you need more information, describe the item you are unsure abcut. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may, not have to pay the remaining amount duo on the goods or services. You have this protection only when the purchase price was ram than $50 and tho purchase was made in your home.stale or wlhin 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the athertisement for the property orServices, all purchases &recovered regardless of amount or location of the purchase.) In Case of Errors or Questions About Your Electronic Transfers: Please contact us by clicking on the Customer Service link online at WWw.americanexcxess.com, or you can call us at 1-800-IPAY-AXP for Pay. By Phone & Pay By Computer issues, or-I -800.CASH.NOW for Express Cash & automatic payment issues. You can also writo to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRSTstatement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & 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 use of the money during the linen takesus to complete our investigation. Credit Balance: If a credit balance (designated `CR') iSShOWn on this statement, it represents money owed to you. You may make charges against the credit balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, we will, within 30 days after expiration of the six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit balance in your account if the amount is $1.00 or more. Creditor American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative listing of creditcard rates, fees and grace periods by caring 1.800-518.8886. Change of Address II cared on horn do not use Notre Company Nano Steel Addsno City. Stale DP Code Alta Code and Homo Piton. Ana and Work Ph Colo an, icon 4.L 1 I I 1 To Pay By Phone 1.800472.9297 Customer Service 1-800-635-5955 24 hours/7 days International Collect 1.336.393.1111 Hearing Impaired (Sam-5pm, EST) TTY: 1-800-221-9950 FAX: 1-800-695-9090 In NY: 1.800.552.1897 Correspondence Customer Service 777 American Expressway Ft. Lauderdale, FL 33337-0001 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Provking your email address to American Express will enable you niammi to receive special offers, suited to your needs. EFTA01726770 DUPLICATE COPY Pecorg Number OWN/ 0ge )000(40000= 09/15/04 Page 3 of 8 Finance Charges Billing days this penod: 31 Average Daily Balance $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periodc FINANCE CHARGE $ Purchases 355.68 0.0260% 9.49% 9.49% 2.87 Cash Advances 0.00 0.0534% 0.00% 19.49% 0.00 ChecWBalance Transfer 5,424.57 0.0162% 5.90% 5.90% 27.24 30.11 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01726771 DUPLICATE COPY )000(-XXXX) .--'age 4 c`8 EFTA01726772 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) vnvw.americanexpress.corr/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 Options: Monthly Statement and Program News Statement Period July 1, 2004 - July 31, 2004 Account activity after this period does not appear on this statement Available Points 1,575 Points are available when charges are paid in full and all your accounts are in good standing. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 1,575 0 0 0 1,575 New Points Earned 07/01/04 - 07/31/04 Points Activity On Bonus Points Total Po nts Activity Eligible Charges Awarded Per Card 0 0 0 Totals 0 0 ternbenshar Renate OcErens beds aarnes may be valve:no a redeemed as :tad az al eructed Cad az cents we in good wading. Pants traesItrred or Warmed traina be reverted beck Into the prawnn. Fortellore points can be reinstated ter a lee by camp the number prowess below. Ebbe Card chages are ceaned Ngre Ktarbership Rewards Caicos raceam Terra ad Cone oora rya Wentershd Rewards evicts Gide E yea tate cereadna please van trewstnerlainexpreas.canrmcmberehtprewordeOpEens a oil I 40:6 AXP:EARN (297:32161r Fran Orestes, call toted 105416-2799. P0TTERYB ARM CCORMICK & SCHIVIICKS SEAFOOD RESTAURANTS Earn More! New ways to earn points. 0 Everything You Need, for Every Room in Your House at Pottery Barn At Pottery Barn, you'll find sophisticated furnishings with exclusive designs that exemplify superb quality and timeless style. Visit us today—we'll help you create rooms that make you feel welcome every time you walk in the door. McCormick & Schmick's Seafood Restaurants Enjoy some of the freshest seafood available each and every day or as National Seafood Month begins in October. Renowned for their Fresh Approach' to dining, this restaurant group prints new menus daily to offer more than 30 varieties of the freshest seafood. Now is the ideal time to think gatherings or gift cards for the holidays. To find a restaurant near you call 1-888-344-6861 or log on to www.McCormickandSchmicks.com. Page 5 of 8 A me r it n Express* Visit www.amcrican express.comirewards or call14,90-AXP-EARN (297-3276). (MR Message 5066) To start redeeming today for a $50, $100 or $150 gift card, visit wow. americanexpress.com/ rewards or cal 1.800-AXP•EARN (297-3276). (MR Message 4524) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726773 ATE COPY American Express TOMMEAU SINCE 1000 swiss Swiss International Air Lines ELI-VAL:7M Ire not just an airline. Israel. SRI a BENFIB' Earn Double Points at Tourneau • WatchFest 2004 Celebrate Watchfest 2004! Visit any Tourneau or Tourneau Watch Gear Store during the entire month of October 2004, and earn double Membership Rewards® points on any purchase when you use an eligible, enrolled American Express® Card. Not ,,tl. at Totorreau. las woos creation. To be Sabre to earn berm Pah* you nal be award h the Members/1p Rev.wee prewar:lathe tined purchase ad you must charge you paellas@ on to naiad AmelkanEipress Cant Dna Offs wit bo eredred to rote Membership Remarcb scant whin Be weeks ater charges lupe& on yeor Wins *tanner,. BOWE 0: 2300 Plan Your Next Vacation to Europe with SWISS SWISS offers daily service from Boston, Chicago, Los Angeles, New York's JFK, Newark, and Miami to more than 40 destinations throughout Europe. Redeem 40,000 Membership Rewards® points for an Economy Class Companion Ticket to Europe. Call SWISS at 1-877-FLY-SWISS (359-7947) to make your reservation today. Fly EL AL Israel Airlines Your Israel experience begins with EL AL, Israel's National Airline. Don't miss out on low fall and winter airfares to Israel with EL AL Israel Airlines. Or, you can always transfer Membership Rewards® points to Matmid Club points. Every seat on the 777 and 747-400 aircraft have personal TV monitors offering a wide choise of in-flight entertainment. Call EL AL at 1-800-223-6700 or 212-768-9200 to make reservation, then visit www.americanexpress.com/rewards or 1-800-AXP-EARN (297-3276) to redeem points. Transfer Membership Rewards® Points into Rapid Rewards® Credits and Earn a Roundtrip Flight! Transfer 20,000 Membership Rewards points into Rapid Rewards Credits and receive a fully transferable Roundtrip Award on Southwest Airlines. SOUTHINESTAIRLINES RARDREWARDS Southwest Airlines offers low fares on more than 2,800 daily non-stop flights to 60 U.S. destinations. Unrestricted seating for Award travel, limited blackout dates and Awards that are valid for one full year give you the flexibility to decide when and where you want to fly. A SYm ROL or FREEDOM- Page 6 of 8 (Bonus ID 2308) Once you have a confirmed reservation, redeem for the desired certificate by visiting www.amedcanexpress. cons/rewards or call 1-800-AXP-EARN (297-3276). (MR Message 8033) Visit vawtamerican express.contewards or caB 1.800-AXP-EARN (297-3276) to redeem points. (MR Message 7355) To transfer Membership Rewards points to Rapid Rewards Credits, go to visinv.emericanexpress. comirewards or call 1.800-AXP-EARN (297-3276). (MR Message 4510) Offers are made only to Cardmombors who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726774 DUPLICATE COPY r.c.co.c.r cc. Claire Ode XXXX-X X X XM 09/15/04 CustornExtras- Page 7 of 8 Carry the TravelFunds® Card from American Express The safety of Travelers Cheques with the convenience of a Card. The prepaid, reloadable TravelFunds Card from American Express is a safe way to carry money when you travel. Unlike debit cards, it is not linked to your bank account. You'll also have access to valuable travel services such as passport/credit card replacement assistance.* 'Proof of TravelFunds Card purchase may be required. Credt card replacement assistance is for major bank-issued credit cards only (not for retail store, gasoline, calling cards, etc). Fees for passporUcredit card replacement assistance are the sole responsibility of the customer. ATM fees apply. For complete terms, visit wvAv.americanexpress.com/buytk or call 1.888.412.6945. TravelFundsa Card from American Express is accepted at millions of places that accept American Express° Cards. Purchase yours today at www.american express.com/buytfc or by calling BUY-TFC. (CE 104838) Affordable Australia with American Express Travel AMF RICAN DaZI- IL SS For those who long to take home more from a vacation than pictures and souvenirs, American Express Travel is offering 8-night air and hotel vacations to Sydney and the Great Barrier Reef from $1,889 per person from Los Angeles. Call American Express Travel at 1.888-AXP-0102 to find out how 8 nights can change your life. Rates USD, based on double occupancy, lowest hotels/room categories, Monday-Wednesday LAX departures. Travel must be purchased by 12/31/04 and completed by 3/31/05. Price as shown available 8/29/04 - 12/05/04 and then 2/24/05 - 03/31/05. Rates available for other dates, hotels and air gateways. Add $35 for each Thurs-Sun trans-Pacific flight. Seats limited and may not be available on every flight. Hotels subject to availability. US/foreign taxes of approximately $180, Inducing September 11th Security Fee and $5 PFC, additional. Terms and conditions apply. CST #1022318-10;TA-149 registered Ohio travel agency, TA-002 registered Iowa travel agency, NV # 2001-0126, ML-1192, Washington UBI #600-469-694. PROMO CODE: 075M01. To plan your vacation and for details on additional Australia offers, call American Ewess Travel at 1-888-AXP-0102. (CE 104847) Earn 5,000 Marriott Rewards Points for Every Third Stay! Aarnott REWARDS. From 9/15/2004 through 1/31/2005, Manion Rewards is making it easier for you to accumulate valuable points to get to your dream vacation faster. When you reserve and pay with your American Express Card at any participating Marriott hotel worldwide during offer time period, you'll receive 5,000 Marriott Rewards bonus points for every third stay. And you can earn up to 25,000 bonus points to spend the way you choose. To take advantage of this offer, register by calling 1.888-977-7012. Registration Is required. Nights spent while redeeming an award are not eligible for credit. The Marriott Rewards bonus offer is valid only for qualifying stays made between 09/15/2004 and 01/31/2005. Use your American Express Card to pay for qualifying stays to earn bonus points. Up to a maximum 25,000 bonus points awarded per Cardmember for this promotion. All Marriott Rewards program terms and conditions apply. To qualify for promotion benefits call 1.888.977.7012 to register. (CE 104829) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726775 Pr cd For DUPLICATE COPY V u X)OO( Yj6ra Page 8 of 8 RAM Now Accepting American Express® Cards! Active.com - Register online for events and activities in multiple sports. Call 1-888-543-7223 or visit www.active.com for event listings. The Active Network, Inc L&M Produce Co. - One of the largest Produce companies in Maryland. Serving businesses and restaurants in the Baltimore/ Washington areas. 41O-799-7721. M.R. Duck's Apparel and Gifts - Located in Ocean City, Maryland and Myrtle Beach, SC. For more information on store hours and locations, please call 1-800-MR DUCKS. If there are other places where you would like to see the Card accepted, crease call the Custcmer Service number that is located at the top of your statement or the number that is on the back of your Card. (CE 104850) Wake Up in the Windy City with Hyatt Stay at a Chicago area Hyatt Hotel between August 15 and October 15, 2004 and receive a complimentary continental breakfast for up to two guests for every day of your stay when you book on Hyatt.com and pay with your American Express® Card. Enter offer code WAKEUP when making your reservation. Visit www.hyatt.com/wakeup for details. Offer valid at all Chicago area Hyatt hotels except Park Hyatt Chicago. To qualify you must book your reservation on www.Hyatt.com, request WAKEUP, pay an eligible rate, guarantee and pay with your American Express Card. Subject to availability. Other restrictions apply. 2004 Hyatt Corp. I I \-1. I Make your reservation today at wynv.hyatt.com/ wakeup. (CE 104830) Are You Overpaying For Personal Checks? Tired of the inconvenience of ordering your personal checks through your bank? Since 1997, American Express Publishing has been offering personal and business checks and accessories to Cardmembers at prices up to 50% less than financial institutions. ss Other quality products we offer are address labels, deposit slips, Publishing checkbook organizers, stamps, binders, and more. We adhere to security features that exceed industry standards, as well as strict confidentiality of account information. And, we offer an unconditional money-back satisfaction guaranteed. Order your checks now from a trusted name—American Express. Order now at vAvvramexpub.com/ checics!statement or call 1-800-652-2314 to request a brochure. (CE 104911) Online Fraud Protection Guarantee When you use the American Express® Card online, you won't be responsible for any unauthorized charges. Period. No fine print, no deductible--just pure protection, so you can shop with confidence anywhere on the Internet. Should any unauthorized charges appear on your statement, simply notify us by calling the number on the back of your Card. To learn more, visit WWW.2Maricanexpross. corn. (CE 104909) Mortgage Rates Are Low! If you're looking to buy a home or to refinance your current mortgage, American Express Mortgages* can save you hundreds of dollars a month in mortgage payments. Plus, it's fast and easy to get a same-day loan decision. *Mortgage loans are provided by American Express Bank, FSB, an FDIC-insured federal savings bank. American Express Bank, FSB, is an American Express company and an Equal Housing Lender. Contact us today! Call 1-800-297-1008 or visit vAvw.amerIcanexpress. corn/mortgages. Use offer code C92. (CE 104895) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726776 DUPLICATE COPY Optima® from American Express TOmanago$ 4600040? eatoum Number Closhando 10/15/04 Page 1 of 8 Newt dSty S Mpernerila rd WitImm Payment Due Date Ptevicus &Mecca PetmericMHH$ Force Chaves Vary nmeatareeS AflurSotioS 11/09/04 5,758.95 -115.00 +28.75 =5,672.70 113.00 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credt Cash Advance Available Cash Summary Line $ Line $ limit $ Unit $ on 10/15/04 9,800.00 4,127.00 8,100.00 4,127.00 Minimum payment due by payment due date. Remember, you can pay your bill online anytime, anywhere at www.amerIcanexpress.com/paybIll. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $4,127.00. Contact us at www.americanexpress.com or call Customer Service at 1-800-635-5955. • Identity Theft Assistance - Free from American Express No matter how careful you are, identity theft can happen to you. But here's the good news: With Identity Theft Assistance, we have representatives on call when you need them--24/7--in case the unexpected does happen. We can help you determine if you are a victim of identity theft, recommend steps for recovery, and offer tips on how to protect yourself in the future. On request, we will also send you a comprehensive package designed to further help you navigate the recovery process. Should you discover that somebody is using your identity online or in shops, you can turn to American Express for help. Visit www.amerIcanexpress.com/Icientilythettassistance to learn more. Activity . " y ° 0/06/04 • • PAYMENTRECEIVED ACk1,4HANKflypiJ 10/06,4.4: Amounts /5:aO Amounts 10/15/04 Periodic FINANCE CHARGE 28.75 Total of New Activity 28.75 + Pow lad uo te pert:moon Weft, Cet Ch ad return wth your morma Payment Coupon sal Mi a A MD 20876-5960 Mail Payment to: Payment Due Date: 11/09/04 Total New Balance $ 5,672.70 Minimum Amount Due $113.00 Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 Continued on Page 3 Please enter account number on all checks and correspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Date. Note any address and/or telephone number change on reverse side. Unless you checrr here, this change will apply to all of your Card Accounts except any Corporate Cztd Accounts you have. I=MIII:300.567270000011300 16r4r1 EFTA01726777 DUPLICATE COPY Amount Naar KOCOOCca Page 2 of 8 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments, must be in US Dollars and drawn on a bank located In the US (other than a line of credit check issued by American Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remittance stub attached and account number listed on the check Please do not send post-dated checks. They wit be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot coiled the funds electronically at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments:By using, the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express to initiate an electronic debit to the financial account you specify In the amount you request. To use Pay By Computer, please visit us at vnywamericanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by anteing the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous billing periodsi , (2) add any new transactions, defoits, or fees, (3) subtract any payments or credts, and (4) make any appropriate a ustments. For each day after the first day of the billing period, we also add an amount of Interest equal to the previous days daily balance multiplied by the dally periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, ft is considered to be zero. Then, we add yp all the daily balances for the feature for the billing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For ail features except Cash Advances ancf cenain promotions, the Average Daily Balance wit: be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown cn that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by rounding. The trial FC for the billing period is calculated by adding the FC assessed on all features of the Account. This method of calculating the Average Daily Balance and FC results in dally compounding of PC. The minimum FC for any billingff rid: in which FC are imposed is $0.50. Billing Rights mmary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if you need more in ormation about a transaction on your till, write risen a separate sheet of paper at the address noted to the right. We must hear kern you no than 60days after we sent you the FIRST bill on which the error or problem appeared. You can telephone us at the number indicated cn the front of this statement, but doing so will not preserve your rights. In your letter, give us the following information: 1. Your name and account number; 2. The dollar amount of the suspected error; 3. Describe why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to co'lect the amount you question. If you have authorized us to pay your bill at loma:ically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before tho automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods or services that you purchasedwith a credit card, and you have tried in good farth to correct the problem wfth the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase pricewas more than $50 and the purchase was made in your home state or witherl 00 miles ol your mairng address. (If we own or operate the merchant, or if we mailed you the. aMrtisement for the properly or services, alpurchases arecovered regardless of amount or location of the purchase.) In Case of Errors or Questions About Your Electronic Transfers: Please contact us by criairg on the Customer Service Link °nine at wnny.americanexpress.com, or you can call us at 1.800-IPAY-AXP for Pay By Phone &.Pay-By Computer issues, or 1-800-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRSTstalement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error cr the transfer you are unsure of, & expein as dearly as you can why you believe there is an error or why you need more information. We will Investigate your complaint & correct ww 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 use of the money during the time it takes us to complete ou r investigation. Credit Balance: If a credit balance (designated 'CR, is shown on this statement, it represents money owed to you. You may make charges against the credit balance or request a refund. If you do not make sufficient charges against the credt balance or request a refund, we will, within 30 days after expiration of the six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit balance in your account if the amount is $1.00 or mote. Creditor: American Express Centurion Bank New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Change of Address II correct on Irom 6a nor on Name Cavan/ Name Stron Addams Coy. Side Zp Code Area Coda and Home Prone Ana code and Wock Phone Erna r • To Pay By Phone 1.800-472-9297 Customer Service 1.800.635.5955 24 hours/7 days International Coiled 1-336-393-1111 Hearing Impaired (9a Span EST) TTY: 1-800-221-9950 FAX: 1.800.695.9090 In NY: 1.800.552-1897 Correspondence Customer Service 777 American Expressway Ft. Lauderdale, FL 33337-0001 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments PO BOX 360002 FT LAUDERDALE Ft. 33336-0002 Providng your email addressto American Express will enable you nj to receive special offers, sufted tO r:or needs. EFTA01726778 DUPLICATE COPY ed Fa iccourd NhAroe, C iv) XXXX-XXXX 0/15/04 Page 3 of 8 Finance Charges Billing days this period: 30 Average Daily Balance $ Day Padlock Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periods FINANCE CHARGE; Purchases 358.56 0.0267% 9.74% 9.74% 287 Cash Advances 0.00 0.0541% 0.00% 19.74% 0.00 Check/Balance Transfer 5,326.01 0.0162% 5.90% 5.90% 25.88 23.75 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01726779 DUPLICATE COPY )000w0000 . 4 c13 EFTA01726780 Totals For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) wymamericarie)gxess.00nVrewards • N konount Nitrite. American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembeNINCtrefaills Options' Monthly Statement and Program News Statement Period August 1, 2004 - August 31, 2004 Account activity after this period dces not appear at this statement Available Points 1,575 Points are available when charges are paid in full and all your accounts are in good standing. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 1.575 0 0 0 1,575 New Points Earned 08/01/04 - 09:31/04 Points Activity On Eligible Charges Bonus Points Total Points Activity Awarded Per Card 0 0 0 0 0 Idernbershp Fleeted, Options rants ended may be transierred a red0ornad OS WM as di cnietd COW fiestas a good slatirsla Pont, trersterroi or reckemed canna be reamed bask two the program FOrteltee points airs be reinstated Ire a tee by galling the number provided below. Eligo. Care chapel me cultNd'n the Lkerraeratip Rewards Owed* inseam Tome and Cecdnons in your Ittenitorshis Reneges Opecas Guid. N you havequa:owe. pleanevisit wtvw.entedcanexpreseeonsfmembentblprewarettoptiorts or col 1-830.AXP-EARN (297-3274 Fern oversew, eel cored 305416a. MiLesrthacom Important Notice Regarding Marriott Rewards® Option As of January 1, 2005, point transfers into the Marriott Rewards program will no longer be an option in the Membership Rewards® program. All point transfers into the Marriott Rewards program must be complete by December 31, 2004. Please remember that any Membership Rewards point transfers into the Marriott Rewards program are considered final and non-refundable. Marriott certificates will remain a reward option In the Membership Rewards program. 0 Earn Bonus Points at Top Retailers Through Milesmall.com Here's a great way to earn bonus points at 150 of the most well-known brands. Enroll at Milesmall.com and when you shop through their online mall using a registered American Express® Card--you can earn bonus points for your purchases all year round. Visit www.Milesmall.com/ americanexpress to register and see how many bonus points can be earned when you shop with Milesmall.com. &rained and ken and conform fa ktlecrnolloOrn oat*. To bo 019Ide to earn bonusOda Pre mil be emoted in en Prentershp Refuted program re ere into tg pintas. and you trust dame your porches. on en eat*, °mind Annaba. Elpflie4 Card. Scour NOCNS Nil be creedal to your Progrwn arcoue wain 1042 Weal oiler charges Cfp...11 on your blind Valmont. Program sand Iron MOWN to 03.0646. 2449. Page 5 of 8 Anscrican Express' Important Message: Marriott Rewards* to leave the Membership Rewards') Program. To see the full array of rewards accessible to you, log on to www.american express.com/rewards. (MR Message 5069) Visit www.MIlesmall.com/ amedcanexpress to enroll and register and start earning bonus points today! Remember you can only earn bonus points when you link though Milesmalcom. (MR Bonus ID 2449) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726781 THE SHARPER IMAGE' ASPEN(JSNOWMASS LINENS•N•THINGS' Am CS itella,exprial A-ae. 11 p ATE COPY • Acccuril Number American Express• Earn Five Membership Rewards® points from Sharperimage.com This Holiday Season Find unique gift ideas and earn five Membership Rewards points for virtually every dollar you spend when you shop at www.sharperlmage.com/amexpoInts. The Sharper Image shares the fun of discovering innovative products that make life easier and more enjoyable. As one of America's premier specialty online retailers, sharperimage.com is a great place for great gift ideas this holiday season. O6ervald ONLY when you go lo vivirasharporimace.comianorpointa Waugh 1241.04. Town taw pods youtrutt be ayeaci in the Weroastap ReNath pogram al the &no ct= atZ ts chaw$ Wax puma** *an Noble: etecaal Ma' tan Ewan. Ord NO WA in stew, la The Sloapec Won Auden Oillef tears apply. Bonus Ports w.1 to cradled 10 year MentoisatiRrivarn account 10-12 week, aller chtges WWI on ycir Wog Wawa Bono 10: 1076. Plan Your Next Ski Vacation with Aspen/Snowmass Redeem Membership Rewards® points for Aspen/Snowmass for your next ski vacation. You can redeem points for certificates for skiing, snowboarding or rentals at each of the tour mountains--Snowrnass, Aspen Mountain, Aspen Highlands and Buttermilk. For more information, call 1-800-525-6300 or visit www.aspensnowmass.com. Rewards veld through Apia 11, ZOE, Reward Yourself at Linens'n Things Linens'n Things is the one-stop superstore for all your home fashion, houseware, and home decorating needs. All the brand names you trust at guaranteed low prices everyday. Linens'n Things. DREAM BIG. PAY LITTLE. New! Redeem Membership Rewardse Points for a $50 Benihana Gift Card Experience one of the longest running dining shows in the. " world. Watch your personal chef entertain you with a • laughter-filled dining experience. At Benihana, enjoy an experience at every table! For door-to-door directions, please visit us at www.benihana.com or call 1-877-BENIHANA (236-4426) for the location nearest you. Limited Time Offer from Rail Europe! For a limited time, redeem 15,000 points and receive a certificate for $100 off any Rai! Europe booking of $350 or more. This offer is valid for bookings between October 1, 2004 and November 31, 2004. So act fast. Rail Europe is one of the largest suppliers of European rail and travel services in North America. Packages Wad on two PC& traveliaa taro, WWI to tioabblay. Caton loirckoul dotes tepif. Let Delta Make That Dream Vacation Come True Delta and Delta's worldwide airline partners can take you to over 480 destinations in 87 ccuntries. Visit www.delta.com for redemption options. Page 6 of 8 Shop at www.sharper imagtoomiamoxpoints today and earn five points kr every dolar you spend this holiday season. (MR Message 3243) To review these rewards and redeem points, visTt wmv.amedcanoxpross. comirewards cr call 1.800-AXP-EARN (297-3276). (MR Message 3376) To find one of the nearly 500 locations nationwide nearest you, call toll-free 1.866-568-7378 or shop ww.v.INT.com anytime. (MR Message 9084) To redeem 5,000 points for $50 Benihana Gift Card, visit www.american express.com/rewards or call 1.600-AXP-EARN (297-3276). (MR Message 6116) To review these rewards and redeem points, visit vnmamoricanoxpress. com/rewards or call 1-800-AXP-EARN (297-3276). (MR Message 3190) Not already a SkyMiles member, call 1.800-323.2323 to sign up! (MR Message 5026) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726782 DUPLICATE COPY Min Accoten, Numb« Cksirg Data )000(-)000al 1 0/15/04 CuStomExtras- Page 7 of 8 Save Money and Time with Balance Transfers! Save money and time when you transfer balances from your higher-rate credit cards to your Optima® Card account. With our competitive rates, you can save money on interest charges and save time managing your finances with one monthly payment. To take advantage of or learn more about this offer, go to www.americanexpress.com/bt3. Go to www.amerIcan express.com/bt3 to transfer a balance today! (CE 104974) Visit Bermuda - Resort Credit & Up to $100 Statement Credit Bermuda. A perfect getaway, just 2 hours from the East Coast. Other Islands offer an escape from chilization, Bermuda offers a chance to bask in it. A colorful and elegant Island with great scenery, golf courses, tennis courts, world-class spas, sophisticated shopping and gourmet dining. Fall and winter are perfect times to enjoy the outdoors. Ride a moped through cobblestone streets, past Parliament, and pink sand beaches. Simply reserve your vacation of four nights or more with American Express. Travel to receive $150 resort credit to be used for hotel amenities including food and beverage, spa treatments, golf and water sports where available' and if you qualify, take advantage of your Annual Travel Benefit"--a statement credit up to $100. 'On new bookings from 9/1/04 to 2/28/05. Travel through 3/31/05. Restrictions may apply. Resort Credit of $150 can be used towards food and beverage, spa treatments, golf and water sports where available. Resort credit only valid at hotel booked. Taxes and gratuities not included. These travel offers are not affiliated with Costco Travel (CWC Travel). purchase offered by a vacation package operator through participating American Express Travel Services U.S. locations of 52,000 or more per booking for 5100 credit, or only for Gad, Platinum Card* and Centurion' Charge Card members, $2,500 or more for $150 credit. Not valid on independent air/hoteVcar rental reservations. Available once per Card account per year. May only redeem 1 per booking. Terms and conditions apply. Claim Your FREE VIP THANK YOU To plan your vacation to Bermuda and for details on your Cardmember Annual Travel Benefit, call American Express Travel tol-free at 1.866-AXP-4898. GSM 1022318-10, TA-149 Registered Ohio Travel Agency, Washington UBI# 600.469-694, ML#1192. PROMO CODE: 0134:001. (CE 104976) FREE VIP Thank You Worth Up to $50.00! As an American Express® Cardmember, you're entitled to a FREE VIP Thank You worth up to $50.00. Simply call by December 1, 2004 to claim up to 3 of your favorite magazines FREE for six months-- compliments of American Express. Quantities are limited. So call now to guarantee your selections and find out full magazine subscription details. Call 1.800.586.5259 now for details to claim your favorite VIP magazines worth up to $50.03. Quantities are limited. Call now to claim your FREE VIP Thank You. Campaign Code 28837. (CE 104980) Think All Car Insurance Rates Are the Same? They're Not! Maybe last year your car insurance premium went up. But this year perhaps it didn't go up as much--or at all. No increase...so no point shopping around...all insurance companies' rates are the same anyway. The American Express Property Casualty companies could still save you money. In fact, we beat our competitors prices 55% of the time.* 'Price comparison data collected from respondents at time of contact. Statistics based on a countryvnde average during a 12-month period ending 9/30/03. Property Casualty insurance is undenvntten in De Pero, WI by AMEX Assurance Company (licensed in all 50 states, Puerto Ron and Canada) or IDS Property Casualty Insurance Company (licensed in AZ, CA, IL, IN, MN, SD, TX and WI). Insurance not available in all stales. Call 1.800.842-3344 today and be sure to mention reference code 1N9 to receive your quick, no-obligation quote. Or, if you prefer, visit amedainexpress.com/ autohome to get your quote. (CE 104985) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726783 DUPLICATE COPY Account Nutter )000000:Xa Page 8 of 8 Buyer's Assurance • Extend Your Warranty Up to One Year It's Murphy's Law--just as soon as the warranty expires, the toaster, wireless phone, or coffeemaker falls apart. But when you're shopping this fall, remember, if it's an eligible item, charged entirely to your Card, you're protected. The Buyer's Assurance Plan extends the terms of the original manufacturer's warranty on covered items up to one additional year on warranties of five years or less that are eligible in the U.S. Underwritten by AMEX Assurance Company, Administrative Office, Green Bay WI. Coverage is subject to the terms, conditions and exclusions of Policy AX0953. See Description of Coverage for complete details. For more information, visit us online at www.americanexpress. commuyersassurance. (CE104990) Now Accepting American Express® Cards! Eteamz - Teams and leagues in more than 100 sports use eteamz websites and services. Visit www.eteamz.com or call 1-888-543-7223. eteamz is part of The Active Network, Inc. Fur Nightclub - A premier nightclub with endless possibilities will be awakening Washington, DC, in September 2004. Please visit our websito at www.furnightclub.com. If there are other places where you would Ike to see the Card accepted, please call the Customer Service number that is located at the top of your statement or the number that is on the back of your Card. (CE 104939) American Express® Gift Cards - Good All Over the Place! American Express Gift Cards are accepted in millions of different places,* for millions of different things. From sporting goods to sushi and for holidays or special occasions, be sure to give your loved ones exactly what they want, every time. Unlike store gift cards or certificates, American Express Gift Cards never expire and are replaceable it lost or stolen.** Buy American Express Gift Cards today--the perfect gift, every time. 'The Card is good in the U.S. wherever American Express Cards are accepted. Cards' fees may apply. —The remaking funds on the Card can be replaced, replacement card fees may apply. "'Online sales through Cheques-on-Line, Inc. Card and shipping fees apply. For complete terms, visit www.americanexpress.com. Buy, your Card at participating in-person locations, online— at www.americanexpress. comrgift or via phone at 1-868-256-GIFT. (CE 104986) Travel Accident Insurance at No Additional Cost It's easy to better protect yourself and your family with up to $100,000 in Travel Accident Insurance. When you travel, charge your ticket to the Card, and you'll receive automatic coverage for accidental death and dismemberment when aboard a Common Carrier Conveyance (plane, train, ship; helicopter or bus). Depend on your Card to offer you this extra protection while traveling. Travel Accident Insurance is provided under Policy PX0948, underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is only available to Permanent Residents of the United States, Puerto Rico, and the US Virgin Islands. Coverage is subject to the Terms, Conditions, and Exclusions of the Policy. To learn more, visit www.americanexpress. corn. (CE 104995) The Purchase Protection Plan • at No Additional Charge If it's damaged or stolen, we can help. You just dropped your brand- new vase? Not to worry. With Purchase Protection, your purchases are covered against accidental damage and theft for 90 days from the date of purchase. AMIERIGWJ EXPRESS For more information, call 1.800.322.1277. (CE 105011) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726784 Optima® from American Express Prviaus Sabre.** 5,672.70 Total Credit Line $ 9,800.00 Credit Line Summary on 11/14/04 DUPLICATE COPY CkergDa4 Toananagwypur accomnt aN:reiicanexprenscEint 11/14/04 Page 1 of 8 New Adny $ in Admtoss ard Minimum Payment Due Date Maras Mimes d any Nen edam.* Amount Due $ 12/09/04 466.02 =5,738.72 228.00 Minimum Amount Due Includes: Past due amount $113.00 This month's amount due $115.00 Available Crecit Cash Advance Available Cash Line $ Unlit $ Limit $ Please refer to page 2 4,061.00 8,100.00 4,061.00 for important informatbn regarding your account Your account is past due. Please remit payment immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $4,061.00. Contact us at www.americanexpress.com or call Customer Service at 1-800.635-5955. Introducing My WishList Holiday wish lists aren't about what you need, they're about the things you want So to say thanks for being a Cardmember we'd like to introduce My WishList. Everyday, from November 22 through December 20, 2004, you'll have the chance to grab one of this holiday's most sought-after items--all at special Cardmember-only prices. Just go to www.mylifemycard.com/mywishlist for full details. Quantities will be limited, and the products will only be available at certain times each day. So you've got to be there first and keep coming back. And who knows? If you're fast enough, you just might get what's on your holiday wish list. It all starts online November 22nd at 12pm EST sharp. Make sure you're there. Activity frd'eanc."`a* Total of Payment Activity Amount S 0.00 New Activity for °apnoea. 11/11/04 DELINQUENCY FEE ASSESSMENT MIN PAYMENT NOT RECEIVED BY DUE DATE Amount 35.00 11/14/04 Periodic FINANCE CHARGE 31.02 Total of Now Activity 66.02 * Sean fdd m Ma penal** Wow, deiach and tetra *A your parnert 4 Payment Coupon GERMANT W MD 20876-5960 Mail Payment to: Payment Due Date: 12/09/04 Total New Balance $ 5,738.72 Minimum Amount Due $228.00 Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I 11,1..1.k...till Continued on Page 3 Please enter account number on al checks and correspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Date. Note any address and/Or telephone number change on reverse side. Unless you check here, this change will apply to all of your Card Accounts except any Corporate Card Accounts you have. 00°573872000022800 ISrld EFTA01726785 DUPLICATE COPY ALCOUNI NUTS( >CaX4COOO Page 2 of 8 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credted until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remittance stub attached and account number listed on the check Please do not send .post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments:By using the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express ter initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at www americanexpress com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calailate FC on your AceOurit. Under this method, we figure the FC on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (includng current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (ineudrng unpaid FC from previous billing periods), u (2) add any new transactions, debits, or fees, (3) subtract any payments or credits, and (4) make any appropriate a ustments. For each day after the first day of the billing period, we also add an amount of interest eq to the previous days daily balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the Feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all, the at, balances for the feature for the biting period and divide the total by the number of days in the billing period. Thus gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance wil be considered to be zero if yOu paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the baling period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by rounding. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. This method of calculating the Average Daffy Balance and FC results In daily compounding of FC. The minimum FC for any billing periodin whith FC are imposed is $0.50. Billing Rights Summary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address noted to the right. We must hear from you no later than 60 days after we sent you the FIRSTbill on which the error or problem appeared. You can telephone us at the number indicated on the trent of this statement, but doing so will not preserve your rights. In your letter, give us the following information: 1. Your name and account number; 2. The dollar amount of the suspected erro. r,- 3. Describe why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not In question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods cr services that you purchased wah a credit card, and you have tried in good faith to correct the problem with the merchant, you may, not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 mies of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the propedy or services, all hases are covered regardless of amount or location of the purchase.) In Case of Errors or Questions About Your Electronic Transfers: Please contact us by clicking on the Customer Service Unk online at www.americanexpress.com, or you can call us at 1.800-IPAY-AXP for Pay By Phone & Pay By Computer issues, or 1-803-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indcated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no la. Tell 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name & accourA number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure o14 explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & 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 Credit n error, so that you will have use of the money during the time it takes us to complete our investigation. C Balance: If a credit balance (designated*CW) is shon on this statement, it represents money owed to you. You may make charges against the crecR balance or request a ref w und. If you do not make sufficient charges against the credit balance or request a refunii,we will, within 30 days alter expiration of the six-month period following the date of the first statement indicating the credt balance, issue a check to you fcr the credit balance in your account if the amount is $1.00 or more. Creditor. American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative fisting of credit card rates, fees and grace periods by cairng 1.800-518-8866. Change of Address H cower on front do not Me Name Ccenpany Name Shoot Addretra City, Vale LP Code Area Cede and Hare Photo Area Code and Work Phone Email F I I I I I I I I I I To Pay By Phone 1.800.472.9297 Customer Service 1.800.635.5955 24 hours/7 days International Collect 1.336.3934111 Hearing Impaired (9am-5pm, EST) TTY: 1-800-221-9950 FAX: 1.800.595.9090 In NY: 1.800-552.1897 O Correspondence Customer Service 777 American Expressway Ft. Lauderdale, FL 33337-0001 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 l• • Providing your email address to American Express will enable you j to receive special offers, sutedto your needs. EFTA01726786 DUPLICATE COPY Acorn' Nate( cake Oak) 11/14/04 )0000p000Mill Page 3 of 8 Finance Charges Biting days this penod: 30 Average Daily Balance $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE Periodic FINANCE $ Purchases 363.79 0.0493% 17.99% 17.99% 5.38 Cash Advances 0.00 0.0541% 0.00% 19.74% 0.00 ChecWBalance Transfer 5,275.04 C.0162% • 5.90% 5.90% 25.64 31.02 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified hi the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01726787 DUPLICATE COPY x) Ac OTiormom Page 4 of 8 EFTA01726788 Totals For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) vrww.americanexpness.corri/rewards idoniserds Rewardtd, totorse Marlow American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembePliffingliiiirils Options" Monthly Statement and Program News Statement Period September 1, 2004 - September 30, 2004 Account activity after this period does not appear cn this statement Available Points 1,591 Points are available when charges are paid in full and al your accounts are in good standing. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 1,575 0 0 +16 1,591 New Points Earned 09/01/04 - 09/30/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 0 0 0 Reinstated Points and Adjustments 09/01/04 - 09/30/04 Number Of Points Date Sept Earned Pts Adj 16 9/28/04 Total 16 k6entecen, Ranks Coors airs eantio maybe tress:erred or le:Items:a as Sagas Flaw:1W Card eXOWIS ate In g-sed stendrg.Fo re, transferred a reG0401e1 earea be reversed Cork err, the proamm. Forfeited pointscan be reinstated for a fee by caning the number provided below. Elgter Cudcharges ere milted in the timbre:Iv Rewards Cpbone program Terms and Cardboard in your Stembeishp Rewarder cc .:no ewers 1 you bade poetriens, please ml www.arnertcs nexpressberternemberablprewardsoptIons or Cril 1400-AXP-EARN (2.47-3276). From CritadreaS, cal coke, P05816-2790. AS tit olive" '' • FLOWERS *S * A Membership Rewards Announces New Car Rental Program Effective January 2005, the Membership Rewards® program will enhance its car rental program by offering certificates from Avis, Hertz and its new partner Enterprise. Program benefits will include: applicability to best available rate and additional discounts for Membership Rewards enrollees. &btu to Tie lerine and oorot.s cbsetrve Jr:racy 1, 200& Terns and cattrions nwyverY by Ft. Centro:es Iran 8r et, Dam, Malone' and Thity wilts bused Preen), December 31, 2004, *xi wl bo said 6 names !fan 044044u*. Earn 1Ox points with FlowersUSAt Choose from festive floral arrangements and earn 10x Membership Rewards® points when you shop at www.FlowersUSA.com/amxmr. We offer fresh, beautiful floral arrangements and quality specialty gifts that the recipient is sure to enjoy. Holiday flowers and gifts starting at $29.99! Same-day delivery available! oiler wildthrough 173100. Net void h rata stores a in oonjurclicawah and other ceer Iran Rowan UM Tote eI9tle to earn beaus points yaw mat be entoned nibs Mentersbip Rewards program cite tired pun:nese and charge your nwobase lo en eiglore, erect orl Ameba, Express0 Card. Bens POitil will be aedted to you: Merrier hp Forwards scarf widen 10.12 ends the, charge appear on your bileg ttatement Bona IC: 1617 Page 5 of 8 A merle „"a testerencriSHIP PV IR [WA R.°). 1 Xprei$ Check out the upcoming 2005 Annie! Program Guide for more details. (MR Message 8060) Earn 10x points when you visit vnvw.FlowersUSA. com/amxmr or call 1.800.8736165 and give promo code 9951. (Bonus ID 1687) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726789 SSurz SPoRTS BONUS; MIMI 14•"" 8 FOR b to-9 BONUS; iidWin cif jetBlue AIRWAYS' ATE COPY thgat. d¢cunt Nunber American Expresso* Earn Double Points at Sun & Ski Sports Earn double Membership Rewards® points on any transaction of $150 or more when you use your American Express® Card at Sun & Ski Sports from November 1, 2004 to January 15, 2005. Sun & Ski Sports specializes in helping adventurous outdoor dreams come true with a full line of clothing and equipment for skiing (snow and water), bicycling, skating, running and camping. For the closest store near you, go to www.sunandski.com. To be olglati to earn bonus pointe you nut be enrolled in the itanbasHp Rewaab program ate time of puchaso and charge your putate 1:* an elgbk. garaged Artisan Eying,* Card. Bonus paint wake eralad lo you: aatmat 10.14 weeks efta charge. away on yo Nat 'blatant Enroll Today and Earn Double Membership Rewards® Points Visit www.americanexpress.comibluedoublepoInts or call 1-800-419-7385 to enroll your Blue from Amencan Express®, and you can earn double Membership Rewards points for eligible purchases in the category of your choice. So whether you're buying a gift for yourself or a friend, don't miss out on this Membership Rewards double points offer. Tams ocnctona and mabetlaaa gayly. TN. Ott b void tam Nougat., 1.200410 Dagtribte 31.2504 Earn Double Membership Rewards® Points by Donating to Your Favorite Charity Donate to any of over 1,000,000 U.S. charitable organizations and earn double Membership Rewards® points for every dollar you donate with an eligible, enrolled American Express® Card. This bonus point promotion is only eligible to Cardmembers who donate through the American Express Donation Site between October 1, 2004 and December 31, 2004. To earn bona pat% you nail be tinceltd e the Mantersha Aran pogrom al the lint d No donation and mint canoe yew purchage a an aiptio. erec4gd Masao Expreg. Card Don:alarm of btatentha Regents pont. are rat tax doductiole. Beni Port wit be ambled to yew Natasha Rewards roots uelhin 643 antis a. charge; Nopoor on yogi barn as:anent The mwran ratter of port you oat can through tlig prorrabon is 25000. Brous ID: Ott JetBlue - Our Newest Membership Rewards® Program Partner Membership Rewards welcomes JetBlue Airways as its newest airline transfer partner! Beginning December 8, 2004 you will be able to redeem Membership Rewards points directly into TrueBlue, JetBlue's Flight Gratitude program. JetBlue serves 29 destinations in 12 states, Puerto Rico, the Dominican Republic and now Nassau, The Bahamas. All JetBlue aircraft feature roomy all-leather seats each equipped with free live satellite television, offering up to 36 channels of DIRECTV® Programming at every seat. 250 MentaaNp Rowada pcinb MAII, I Truelilue pail (1250 pan' minettag t area). Page 6 of www.sunandsld.com (MR Message 2331) Enroll today! Don't forgot to enroll by December 31, 2004 to participate in this special promotion. (MR Message 9146) To make a donation, go to v.ww.amerIcanexpress. com/donate. Terms and conditions of the Membership Rewards program apply. For more information visit www. • americanexpress.com! rewards. (Bonus ID 5969) For more information about JetBlue or to join TrueBlue, visit www.jetblue.com. Mee www.american express.conVrewards or call 1-800-AXP-EARN (297-3276). (MR Message 5031) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726790 DUPLICATE COPY its ACC MY Pa rte )000:4000a c ier... . Custonffixtrar 11/14/04 Page 7 of 8 Save 25% on purchases at The New York Times Store The New York Times Store offers hundreds of products--from books to classic photographs, reprints of vintage newspapers to posters. tanmsionib... STORE Offer expires January 31, 2005. Purchases receive 25% off regular price before taxes, shipping and handlr . PurChaSes must be made with the American Expresso Card. 25% savings does not apply to crossword books with a retail value of $6.95 or less and cannot be combined with other offers. Sales tax applies where applicable. Visit vninv.nytstorecom to see the entire collection. Be sure to use the promotion code APAXNOV when ordering to get your savings. (CE 105091) Introducing My WishList Holiday wish lists aren't about what you need, they're about the things you want So to say thanks for being a Cardmember, we'd like to introduce My WishList. Everyday, from November 22 through December 20, 2004, you'll have the chance to grab one of this holiday's most sought-after items—all at special Cardmember-only prices. Quantities will be limited, and the products will only be available at certain times each day. So you've got to be there first and keep coming back. And who knows? If you're fast enough, you just might get what's on your holiday wish list Visit vnvw.mylifemycard. com/mywIshIlst for full details. It all starts online November 22nd at 12pm EST sharp. Make sure you're there. (CE 105121) Splendors of Mexico • 4 Exclusive Values • 7 Incredible Places Mexico--worlds away, just steps from home. Gaze out over the blue-green Caribbean from the top of a Mayan temple. Salsa dance with sand between your toes and stars overhead. Dive pristine waters among a rainbow of sealife. This year, discover the Splendors of Mexico in Acapulco, Cancun, Cozumel, Huatulco, Ixtapa-Zihuatanejo, Los Cabos and Riviera Maya. Call American Express Travel at 1.800-AXP-8236 and receive exclusive values, including the up to $100 statement credit' when purchasing your qualifying Mexico vacation on the American Express Card through American Express® Travel.' 'Qualifying Vacation is a purchase offered by a vacation package operator through a participating American Express Travel Services U.S. location of $2,000 or more per booking for $100 statement credit, or, only for Gold, Platinum Card® and Centurion' Charge Card members of $2,500 or more for $150 credit. Not valid on independent airihoteVcar reservations. Available once per Card account per year. May only redeem 1 per booking. Other material terms, conditions and restrictions apply. "Valid on new vacation package bookings only 10/01/04-5/31/05 for travel 10/01/04-8/31/05. Otter, participating destinations and suppliers are subject to availability and charges without notice. Restrictions may apply. Deposit and final payment must be made on an American Express Card. CST#1022418-1 0, TA-149 Registered Ohio Travel Agency, TA-002 Registered Iowa Travel Agency NV#2001-0126. Washington LIBI# 600-469.694, ML#1192. PROMO CODE: C 198:0001. To plan your vacation to Mexico and for details on your Cardmember Annual Travel Benefit, call American Express Travel toll-free at 1.800-AXP-8236. (CE 105095) SAVE $10 on Radio City Christmas Spectacular® Tickets! The 2004 edition of the Radio City Christmas Spectacular is an ultimate holiday extravaganza with a host of unforgettable thrills, including perennial favorites like the showstopping Parade of the Wooden Soldiers and the majestic Living Nativity, as well as an awe-inspiring ride around Manhattan aboard Santa's 3-D sleigh I Optima. Cardmembers save $10 per ticket to any non-peak performance! November 4th through January 2nd at Radio City Music Hall. Not valid on preview or peak performances, VIP or prime seating, or on previously purchased tickets. Cannot be combined with any other offers cr savings. Eight-ticket limit per order. Subject to availability. Offer expires 1/2/05. Log on to wenv.radlocity. corn and type in code OPCARD or call 212-307-1000 and ask for code OPCARD or shon this statement to the Radio City Music Hall Box Office. (CE 105085) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726791 DUPLICATE COPY XXXXIX;Xxa Page 8 018 Now Accepting American Express® Cards! Allstate - Now you can help protect your auto and home and pay with your Card. Visit your local Allstate agency, call 1-800-ALLSTATE or go to www.Allstate.com for information. Metropolitan Communities - You can now pay your rent with the Card at The Metropolitans-upscale apartment communities in the Washington, D.C. metro area. www.rentmet.com. Curtis Chevrolet and KIa - Serving the community for over 38 years. New and used cars and trucks, full-service department, body shop and parts department. Call 202-723-0100. If there are other places where you would like to see the Card accepted, please call the Customer Service number that is located at the top of your statement or the number that is on the back of your Card. (CE 105065) Are You Overpaying for Personal Checks? Tired of the inconvenience of ordering your personal checks through your bank? Since 1997, American Express Publishing has been offering personal and business checks and accessories to Cardmembers at prices up to 50% less than financial institutions. Other quality products we offer are address labels, deposit slips, . w".» .Publishing checkbook organizers, stamps, binders, and more. We adhere to security features that exceed industry standards, as well as strict confidentiality of account information. And, we offer an unconditional money-back satisfaction guarantee. • Order your checks now from a trusted name—American Express. SAVE an Additional $359* on an IBM ThinkPad This Holiday! The award-winning, wireless IBM ThlnkPad T42 (PN W7734WU) is a perfect match for distinguished tastes. Hurry, this exclusive offer is In addition to your 17% savings and ends 12/31/2004. It is valid in the U.S. IBM only. Shipping/handling not included. Limit 10 per Cardmember. Offer cannot be combined with other promos. To save, you must use your American Express® Card. All offers subject to availability. IBM reserves the right to alter product offerings and specifications at any time, without notice. IBM is not responsible for photographic or typographic errors. Pricing: Pricing does not include tax or shipping and is subject to change without notice. Reseller prices may vary. Pricing includes applicable American Expresso Cardmember program savings it available. Savings: savings referenced off of applicable program reduced price as of 9/15/04. Order now at www.amoxpub.com/ checks/statement or call 1.800.662.2314 to request a brochure. (CE 105098) Order yours today online at http:INavw.lbm.comt shopnbmdeals.(3651 cc call 1-600-426-7235, ext. 3651. (CE 105117) American Express® Gift Cards - Perfect for the Holidays! American Express® Gift Cards are accepted in over a million different places* for millions of different things. From sporting goods to sushi and for holidays or special occasions, be sure to give your loved ones exactly what they want, every time. Unlike store gift cards or certificates, American Express Gift Cards never expire and are replaceable if lost or stolen**. Buy Gift Cards today—the perfect gift, every time. 'Good in the U.S. wherever American Express° Cards are accepted. nit funds have not been depleted by valid through date, remaining funds can be replaced. Replacement Card fees apply. ***Online sales through Cheques-on-Line, Inc. Card and shipping fees apply to online orders. For complete terms, visit www.amertcanexpress.com. Buy your Card at participating in-person locations, online*** at veany.amerIcanepxress. con/gift and via phone at 1.877-AXP-GIFT. (CE 105092) There's Still Amnon REWARDS. Time to Earn Marriott Rewards® Bonus Points From 9/15/2004 through 1/31/2005, Marriott Rewards is making it easier for you to accumulate valuable points to help get to your dream vacation faster. When you reserve and pay with your American Express® Card at any participating Marriott hotel worldwide during offer time period, you'll receive 5,000 Marriott Rewards bonus points for every third stay. And you can earn up to 25,000 bonus points to spend the way you choose. Registration is required. Nights spent while redeeming an award are not eligible for credit. The Marriott Rewards bonus offer is void only for qualifying stays made 09/1512004 - 1/31/ 2005. Use your American Express Card to pay for qualifying stays to earn bonus points. Up to a maximum 25,000 bonus points awarded per Cardmember for this promotion. To take advantage of this offer, register online at minv.marrlottrewards. corn/Amex25k or by calling 1.888.977.7012. Alt Marriott Rewards program terms and coalitions apply. (CE 105097) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726792 DUPLICATE COPY Optima® from American Express NeeKus Balenoe 5,738.72 PON* Admit" S 0.00 Now Minify S W. MottnIMA and Finarce Chugs V any +166.68 Awmit. thrnme Dalo 12/15/04 Now nolvoo S . =5,905.40 IrteinberihiiRismtaiidO1 1PPOInts;Availible 10/3i*j<wifeti.cliarges due are pa;ci .„.1%:41.481/allaobsOnts are in good stsatnga Minimum Amount Duos 374.68 Credit Line Summary on 12/15/04 Total Credit Une $ 5,900.00 Available Credit Line $ 0.00 Cash Advance Lint $ 200.00 Available Cash Umit $ 0.00 Page I of 6 Payment Due Date 01./09/05 Minimum Amount Due Includes: Past due amount $227.88 This month's amount due $146.80 Please refer to page 2 for important information regarding your account Your account is seriously past due. Your account has been suspended. To avoid cancellation, please remit payment now. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. Your account is overlimit. Please pay at least $374.68, plus any additional charges you have incurred since the date of this billing statement, to avoid any overlimit fees on your next statement. Please see your Cardmember Agreement for additional terms and conditions that may apply. Contact us at www.americanexpress.com or call Customer Service at 1-800-635-5955. Activity .nnieSPC6Inadigge 12/11/04 DEUNOUENCY FEE ASSESSMENT MIN PAYMENT NOT RECEIVED BY DUE DATE 12/15/04 Periodic FINANCE CHARGE 35.00 131.80 Total of New Activity 168.80 + Mono lotion to pcdorafrobelmo clench col return wilt yew payment Payment Coupon Ma MD 20876-5960 Mail Payment to: Payment Due Date: 01/09/05 Total New Balance $ 5,905.40 Minimum Amount Due $374.68 $ • I Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I Continued on Page 3 Please enter account number on all checks and correspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Date. Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to all of your Card Accounts except any Corporate Card Accounts you have. 000590540000037468 16rIrl EFTA01726793 DUPLICATE COPY ,..xount Nvrtt XXXX-XXXX Page 2 of 6 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and dra American Expressted in the llS (other than a line of credit check issued by American Express Centurion Bank or Bank, FSB), in the enclosed envelope with the remittance stub attached and account number listed on the check. Please do not send post-dated checks. They wil be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draR against your account for the amount of the check Authorization for Electronic Payments:By using the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express to innate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at www.americanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel ServiceOffice orcall any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by wooing the daily periodic rate to the Average Daily Balance (as described below) for each feature Isuch as Purchase,iCash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous billing pericds), (2) add any new transactions, &Oils, or lees, (3) subtract any payments or credits, and (4) make any appropriate aderstments. For each day after the first day of the billing period, we also add en amount of keenest equal to the previous day's daily balance multiplied by the dally periodic rate for the feature. This gives us tho daily balance for the feature for that day and the beginning for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add pp all the balances for the feature for the billing period and divide the total loy the number of days in the billing period. This gives us he Average Daily Balance for the feature. Per all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days In the Wing period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by rounding. The total FC for the billing period is calculated by adding the FC assessed on al features of the Account. This method-of calculating the Average Daily Balance and FC results in daily compounding of FC. The minimum FC for any billing periodinwhich FC are imposed is $0.50. Billing Rights Summary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if you need more information about a transaction on your bill, write us on aseparate sheet of paper at the address noted to the right. We must hear from you no Iaterthan 60 days after we sent you the FIRST bill on which the serer or problem appeared. You can telephone us at thenumber indicated on the front of this statement, but doing so will n0t your rights. In your letter, give us the following information: 1. Your name and account number; 2. The dollar amount of the suspected error; 3. Describe why you believe there is an error. If you need more information, describe the kern you are unsure about. You do not have to pay any amount 'n question while we are investigating; but you are still obligated to pay the parts of your bel that are not In question. While we Investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods cr services that you purchased with a credit card, and you have tried In good faith to correct the PrOblem with the merchant, you maenoi have to pay the remaining amount due on the goods or services. You have this protection only when the purchase puce was more than $50 and the purchase was made in your home state or within 100 miles of your marling address. (If we own a operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regarciess of amount or location of the purchase.). In Case of Errors or Questions About Your Electronic Transfers: Please contact us by ticking on the Custemer Service Link online at evnv.americanexpress.com, or you can call us at 1-800-IPAY-AXP for Pay By Phone & Pay By. Computer issues, or 1.800-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think yoir statement, receipt or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Desaibe the error or the transfer you are unsure of, & explain as clearhy as you can why you believe there is an error or why you need more information. We will investigate your complaint & 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 Sin error, so that you will have use of the money during the time it takes veto oomplete our investigation. Credit Balance: If a credit balance (designated "CRS is shown on this statement, it represents money owed to you. You may make charges against the credit balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, we will, within 30 days after expiation of the six-month period following the date of the first statement indicating the credit balance, issue a check to you Icr the credit balance in your account if the amount is $1.00 or more. Creditor: American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, lees and grace periods by calling 1.800.518.8866. Change of Address I Careel on front donee use Name Carpany Nano Street Address City, stale Zp Cede Area Cede aid Home Phone Area Code and Wert Phone Email I- lf 1-71- 1 1 Li I -11- 171 I I I I • To Pay By Phone 1.800372.9297 Customer Service 1-800-635.5955 24 hourst7 days International Collect 1.336-393-1111 Hearing Impaired (9arre5pm, EST) ITT: 1400-221-9950 FAX: 1.800-6x95-9090 In NY: 1-800-552-1897 O Correspondence Customer Service 777 American Expressway Ft. Lauderdale, FL 33337-0001 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments PO BOX 360002 FT LAUDERDALE FL 33336.0002 Providing your email address to American Express will enable you to receive special offers, suited to your needs. EFTA01726794 DUPLICATE COPY Account NS Cbarg Dais )00000000= 12/15104 Page 3 of 6 Finance Charges Billing days this paned: 31 Average Daily Balance Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGES Purchases 406.02 0.0739% 25.99% 2899% 9.30 Cash Advances 0.00 0.0739% 0.00% 26.99% 0.00 CheckfBalance Transfer 5,347.25 0.0739% 26.99% 26.93% 122.50 131.80 Certain of the periodic rates and APFs above may be variabe. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmamber Agreement as currently In effect EFTA01726795 • cc, DUPLICATE COPY W&-)Nr(X)CeM Page 4 of 6 EFTA01726796 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) wvntamericanexpress.comftewarcis American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembePNINOTifillikis Options` Monthly Statement and Program News Statement Period October 1, 2004 - October 31, 2004 Account activity after this period does not appear on this statement ittT h R ardete A'-c nfcmber Available Points 1,591 Points are available when charges are paid In full and al your accounts are in good standing. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 1,591 0 0 0 1,591 New Points Earned 1W01/04 - 10/31/04 Points Activity On Eligible Charges Bonus Points Awarded Total Points Activity Per Card SIM 0 0 0 Totals 0 0 0 M Remo* Opleee pekes owned may be trenotared or ritckcatcd m keg as at emoted Card mesons we in geed stand rd. Palls tanderred a tooterned cannot be reverted tcce ivo the orogen+. Forfeited pointy con be reinstated for a fee by calling the number provided Elarble Card chargee tee owinw in ihe Ihenterand Rewards Optrins pregyarn Terns andCon:16ms in ywr Elerrbershp Rewards 01:1101•9 Glide. II lvar item duodena demo tot WWW.WIWIlainexpre.s.contimembenhiprewar &options a cal telObAXP EARN WS2M. From meowed calla:4de 366-516-2799. Art Teen E: yen .to4.th atErati EREINIP e:fe skiCe ". 1), *irk ;cony OREOK Wyndham Hotels & Resorts is joining the Membership Rewards® program! Wyndham Hotels & Resorts has destinations throughout North America, the Caribbean and Mexico. At every Wyndham, you'll find a casually elegant atmosphere and amenities such as Herman Miller Aeron® chairs and Golden Door® toiletries. Redeem Certificates at Wyndham Hotels, Wyndham Resorts, Wyndham Luxury Resorts or Summerfield Suites by Wyndham. &bed to avalatrIty.fterivarte reerevatero faceted. EARN Double points for Your Tickets with TKT.com! With 15 years experience, TKT.com offers PREMIUM seating to concerts, theater and sporting events. Now earn double Membership Rewards® points on all your tickets through January 31, 2005. Crier mailmen d2.540 bourn pelt it,aceoinvams. lobeNode le earn banal P0W* you mull be the lamb:oho Rowan!. pecgarn at the the clperMase ant co y irrat che:00 KO Pathan, OM an erdble enrolled Arnorican Expressflad Barna on wad? Credited t0 Kite atembetaNd Bends aubbuni *gbh Cre weels Ike ebargee appNil on you trim Pedecrent. Bonn 0:2764. Earn Double Points from Oreck Vacuum Earn double points when you use your Card to purchase the Celocs Hypo-Allergenic Plus 8 lb Oreck XL® Vacuum by calling 1-800-646-6934. PLUS, for using your Card you'll also receive the 5 lb Oreck Compact Canister with 8 attachments perfect for small pickups and hard to reach places. Oiler vaki 1C/97417routi 1/3605. Net veil en spore perelater. Tc earn bCCI{JS paints you trentbe emceed n the Mentaship Rawardel3 program at the was el euchre ord charge vat parchese to an eV* eredird Arnim= Exarcate Card Bonus prima w] to cradled la yew bknoweliP Rewattif Clout 'MOM Ca ACC% as charges *pee cm your Why taxmen: Ecru, ID 5836. Page 5 of 6 To review those rewards and redeem points, visit vnwramericanexpress. com/rewards or call 1-800-AXP-EARN (297-3276). (MR Message 9185) Book online at viviW.TKT.com or call 1.800-ALL-SHOWS to earn double points. (Bonus ID 2764) Call1-800-646-6934 today and earn double points on your Oreck XL* Vacuum and receive a free compact anger just for using your Card. (Bonus ID 9836) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726797 limillifATE COPY PaGe 6 o(6 EFTA01726798 DUPLICATE COPY Optima® from American Express Amount Nutter • ,AinibOrOi_PARe*aida,;2-;:: Points Available at 1/30/04,4hen charges ckie are paid in 3 :inland all accounts are in good standing:, O“IngDato 01/16/05 Page 1 of 6 MwActivly$ ImAdjurmband IAMmm Payment Due Date Pieicus Since $ PaimorrlActiidy$ FammeWpsealy Now 13.trcoS MioinflIhmS 02/10/05 5,905.40 0.00 +176.43 =6,081.83 531.11 Minimum Amount Due Includes: Past due amount $374.68 Tit month's amount due $156.43 Please refer to page 2 Credit Line Summary Total Credit Une $ Available Credit Line $ Cash Advance Limit $ Available Cash Umit $ on 01/16/05 5,900.00 0.00 200.00 0.00 for important information regarding your account Urgent notice - your account is cancelled. Remit payment immediately. Your account is overlimit. Please pay at least $531.11, plus any additional charges you have incurred since the date of this billing statement, to avoid any overlimit fees on your next statement. Please see your Cardmember Agreement for additional terms and conditions that may apply. Contact us at www.americanexpress.com or call Customer Service at 1-800-635-5955. Activity "ndkaKs°" gda'° Total of Payment Activity 0.00 01/11/05 DELINQUENCY FEE ASSESSMENT MIN PAYMENT NOT RECEIVED BY DUE DATE 35.00 01/16/05 Periodic FINANCE CHARGE 141.43 Total of New Activity 176.43 + rouse fold on the rektahon Wow, Cletaa) and rceanwm surp.werG Payment Coupon GERMANTOWN MD 20876-5960 Mail Payment to: Payment Due Date: 02/10105 Total New Balance $ 6,081.83 Minimum Amount Due $031 11 $ 1 • Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336.0002 1111111W Continued on Page 3 Please enter account number on all checks and correspondence. To avoid additional Finance Charges on Purchases, PEW New Balance before Payment Due Date. Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to all of your Card Accounts except any Corporate Card Accounts you have. 000608183000053111 17r1r1 EFTA01726799 DUPLICATE COPY Acearattenter =cocoa Page 2 of 6 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remittance stub attached and account number listed on the check Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the nght to process checks electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number andcheck serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments:By using, the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express to initiate an eledronlo debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at WWW.americanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Aotount by applying the daily periodic rate to the Average Daily Balance (as deserted below) for each feature (such as Purchase,-Cmh Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance br each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous billing periods) (2) add any new transactions, debits, or fees, (3) subtract any payments or credits, and (4) make any appropriate a ustments. For each day after the first day of the billing period, we also add an amount of interest equ to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the Wginning balance for the feature for the next day. II this balance is negative it is considered to be zero. Then, we add up all Me daily balances for the feature for the billing period and dvide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Feennce will be considered to be zero it you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days In the billing period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused rounding. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. 7hIS method of calculating the Average D* Balance and FC results In daily compounding of FC. The minimum FC fore any e: billingff riod in which FC are imposed is $0.50. Rights mmnn Errors e In Case of Erro or Questions About Your Bill: If you think yaw bill is incorrect, or if you n more ormabon about a transaction on your bill, write us on a separate sheet of paper at the address noted to the right. We must hear from you no later than 60days after we sent you the FIRST bill on which the error or problem appeared You can telephone us at the number indicated on the front of this statement, but doing so will not preserve yourrights. In your letter, give us the following information: 1. Your name and account number; 2. The dollar amount of the suspected error 3. Describe why you believe there is an error. If you need more intimation, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that we not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three busness days before the automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may, not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are oovered regardless of amount or location of the purchase.) In Case of Errors or Questions About Your Electronic Transfers: Please contact us by ckddnggn the Customer Service Unk online atwww.americanexpress.corn, or you can call us at 1-800-IPAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indcated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error ef the transfer you are unsure of, & explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & 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 wil have use of the moneyduring the time it takes us to complete our investigation. Credit Balance: It a csedt balance (designded 'CRI) is shown on this statement, it represents money owed to you. You may make charges against the molt balanceor request a refund. If you do not make sufficient charges against the credt balance or request a refund we wili, within 30 days after expiration of the six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit balance in your account if the amount is $1.00 or more. Creditor: American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods bycalling 1.800518-8866. Cnange of Address correct on front do not ex Nome Company Nerve Street Addree City. Stale Zor Code Mn code and game Phone Nee Code and WorK Phone Email F To Pay By Phone 1.800-47.9297 Customer Service 1.800-635-5955 24 hours/7 days International Collect 1436.393.1111 Hewing Impaired (9am-5pm, EST) 1-800-221-9950 FAX: 1-800-695-9090 In NY: 1400-552-1897 • Correspondence Customer Service 777 American Expressway Ft. I airtrdale, FL 33337-0001 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing your emal address to American Express will enable you to receive special offers, suited to your needs. EFTA01726800 DUPLICATE COPY Pt cd Acceell Numbs' Cknirg DX XX)O(4OCOCM. 01/16/05 Page 3 of 6 Finance Charges Billing days this period: 32 Average Daly Daily Actual ANNUAL Nominal ANNUAL Periodic Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 5,924.71 0.0746% 2724% 27.24% 141.43 Cash Advances 0.00 0.0746% 0.00% 27.24% 0.00 141.43 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01726801 DUPLICATE COPY AmaslNulgY Page 4 of 6 EFTA01726802