EFTA Document EFTA01704593

DUPLICATE COPY Pt cd Fry Amon! Minim Cln,t Da!e 12111/06 Page Sof 13 Important Sign & Travel and/or Extended Payment Option Information Finance Charge: To calculate the Finance Charge, we multiply the Daily Periodic Rate, by the Average Daily Balance for the tilling period. Then we multiply the product by the number of days in the billing period. To got the Average Daily Balance we take the beginning balance of the Extended Payment Option ("Account') each day, add any new Account Charges and accrued and unpaid Finance Charges and subtract any payments or credts. Then we add up the daily balances for the tilling period and divide by the number of days in the billing period. This gives us the Average Daily Balance. This method of computation of the Average Daily Balance resets in compound interest. If in arty 12 month period ending with the Closing Date of the current tilling period you were in detail on your Account or any other American Express Account, the APR applicable to your entire Account balance will be as dsclosed to you in your Cardmember Agreement and its supplement(s). Payments: Please see the payment information and instrudions on Page 2. Remember, your payment each month should be for at least the Minimum Amount Due or the Total Amount Due, whichever appears on the Card Account Statement. Either amount includes the Account Minimum Payment shown on the Account Statement and the balance due on your Card Account. If you want to pay more than the Minimum Payment ( up to the entire Account New Balance ) , make your payment for the larger amount and the excess will be applied to your Account. How to avoid Additional Finance Charges: To avoid additional Finance Charges the Account New Balance must be paid in full by the Closing Date of the next biting period. Arcelcan Express Centurion Bank will not impose Finance Charges for Account Charges made in any billing period for which payment in full has been received on or before the Closing Date of the next billing period. Creditor: The Extended Payment Option and/or Sign & Travel is issued by American Express Centurion Bank. Billing Inquiries Customer Service 1-800-525-3355 (24 hours, tell free) Address American Express Customer Service P.O. Box 297807 Ft. Lauderdale, FL 33329-7807 EFTA01704593 DUPLICATE COPY illill Ps, 6 of 13 ... EFTA01704594 Fcr questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) wynstarnericanexixess.comftewards American Express Membership Rewards P.O. Box 297813 Ft. Lauderdale, FL 33329-9785 membeNfilfifSfffriis° monthly Statement and Program News Statement Period November 1, 2006 • November 30, 2006 Account activity after this period does not appear on this statement Available Points 159,315 Points are available when charges are pad 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 157,903 +1,412 0 0 =159,315 New Points Earned 11/01/06 • 11/30/06 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 1,412 0 1,412 Totals 1,412 0 1,412 Page 7 of 13 American Express* Tr MEMBERSHIP 41i 11 E Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms and Conditions in your Membership Rewards Guide. If you have questions, please visit www.emericanexpress.com/rewards or call 1-800-AXP-EARN (297-3276). From overseas, call collect 305.816.2799. iitamottlibra : VACATION CLUB. IN TE RNATIONAt BONUS') co' L.. 5:41;:., , 714R.711,1.1c t BIWA 11.11'.` Stay at a Marriott Vacation Club Villa! Marriott Vacation Club Villas offer all of the comforts of home in some of the world's most sought after vacation destinations. Spacious villas feature kitchens, living and .dining areas, master bedrooms with soaking tub, washer/dryer and morel Choose from 2 destinations with these exclusive Membership Rewards packages. Choose from a 5 or 7-night package with accommodations in a one or two-bedroom villa in sunny Palm Beach, Aruba—or stay 3 nights in a two-bedroom villa in beautiful Palm Desert, CA. Tents end ecodisby of the blombebbipAchast F. prcsvary aff1y. Fu mx0 ricrmalcbu yiek webtmeetterehpowat min Taxes ell:Mt% may ;Wy. Earn Double Points This Holiday Season at Select Merchants Earn double points for your holiday shopping at these online merchants: ToysRUs.com, IRobot.com, SportsAuthority.com, WilsonsLeather.com, Zales.com, BaileyBanksandBiddle.com, UnensandThIngs.com, and BathandBodyWorks.com now until December 31, 2008. To own bars boob, you mw be trials! in to lleTterslio Resents wren elite wined web's* and you must chug') yar purcbto Y: ai e6;duk. OrICOICCi Ameba, E, rest Can. Bonen pars vull be cabled to your amounl 6-5 wee,: a,b: too hX9G appOX on your ttaternent Bann 10).: 2135, 3913, 1091,1423, 24Tb 1092, 0;42, 9958. To preview this reward and to redeem points, visit www.membershlp rewards.com or call 1-800-AXP-EARN (297-3276). For more information, visit www.vacationclub.com. (MR Message 1259) Visit these online merchants 11/21/06- 12/31/06 to earn 2x points! (MR Message 4049) 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. EFTA01704595 SPA INDE Uri L . MUM : G UM VAk LOEHMANN'S harman/kardon° MIER? BARN Illit ICATE COPY tertbat American Express* Earn Double Points When You Celebrate the Holidays with Spa Finder Gift Cert ficates Give the gift of relaxation & pampering from Spa Finder this holiday season, plus earn double Membership Rewards® points. Spa Finder Gift Certificates are redeemable at more than 3,000 day, destination, resort and medical spas worldwide. Visit www.spafinder.com or call 1-888-ALL-SPAS (1-888-255-7727) and earn double points today. Cikr yard nymph t201/C6. To ownbarbs panb, you mini be adored In lb* //mberdn, Rewards pogrom ea be pods wail» molciede ptratddtse o red =wa rt-ries lo an skirt, tinstrad Arm:near:6En% ardS ergeen onGraril. Wing staranori Bonus O: 0250. Earn Double Points This Holiday Season Every Time You Spend $150 or More at Loehmann's! Shop for everyone on your list at Loehmann's, and earn a gift for you too--double points! Loehmann's is a place to find a variety of top designer names at bargain prices. Now you can earn double Membership Rewards® points every time you spend $150 or more from November 28, 2006 - January 1, 2007 at Loehmann's. Oene yard for Furchnon made 11/26126 1/007 m dodo cagy and net valid on pi cards or pekoe purchases. To bo obaitha to earn toms pans, you mud b• SUOMI nM Mentileatir Rewards Gammen 17,12T/4" tiggistrhanand youppIrrrtai.:till gotirt.dPrycartegr win crvireteeks .Her dingo. *pow al your burg subbed. Bat. 0:4065. Reward Yourself with the Harmon Kardon® Universal Activity Based Remote • 30,000 Points Simplify your home theater with this universal activity-based remote. Features a Web-based setup where all your electronic equipment is programmed into the remote by filling out simple online forms. It also enables you to choose an activity icon from the color LCD screen! Redeem for this or other great home theater goods only from the American Express Membership Rewardse program. (Reward code:. RY2766. Points: 30,000). Toms and coraters ddb Aramberth0 Anna Frafillm rffrY. Redeem Membership Rewards® Points for Pottery Barn At Pottery Barns, Membership Rewards enrollees can shop for home furnishings of exceptional comfort, style and quality. Pottery Barn's designers draw inspiration from around the world to create an exclusive collection of furniture. Page 8 of 13 Cerebrate the holidays! Earn double points on Spa Finder products and Gift Certificates redeemabe at more than 3,000 spas worldwide. Visit www.spafinder.com or call 1.888-ALL-SPAS (1-888-255-7727) today. (MR Bonus ID 0250) Visit www.loehmanns.com to find a Loehmann's store nearest you. (MR Bonus ID 4966) To redeem, Vsit wsonv.membership rewards.comfHarmon KardonRomote or call 1-800-AXP-EARN (2974276) by January 15, 2007. (MR Message 4294) For a store near you or to request a catalog, visit wvivi.pottelybam.com or call 1-800.922.5507. (MR Message 7502) 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. EFTA01704596 DUPLICATE COPY Pt a A,CO111, Number Clxrc Dais 12/11/06 Page 9 of 13 usafforistger CustomExtras- The Purchase Protection Plan The cat knocked over the brand new vase—good thing you bought it with your Card. The Purchase Protection Plan will repair, replace, or reimburse the amount you charge to the Card for covered items, up to $10,000 per Occurrence, if they are accidentally damaged or stolen within 90 days from the date of purchase. Purchase Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 and is subject to change with notice. This document does not supplement or replace the Policy. For more information, visit www.americanexpress. corn/platinum. (CE 108298) Our Holiday Gift To You - Get EVEN MORE Payment Flexibility As a Sign & Travel® or Extended Payment Option enrollee you know you have the opportunity to pay over time for travel or larger purchases. But as you enjoy the festivities of the holiday season, don't forget to take advantage of another opportunity--with Select & Pay Later you can choose just about any other purchases from this statement to pay over time with no additional enrollment required. It only takes a moment and it's fee-free. Not all Cardmembers are enable. Requests to pay over time are approved based on several factors including account history, current account status and credt record at time of request. Other restrictions may apply. To select charges to pay over time, go to invw.americanexpress. com/selectandpay click the "Get Started" button, log on and choose the charges you want to take more time to pay. Or call Customer Service end press 0. (CE 108275) Now Accepting American Express® Cards! The Vermont Country Store - Rediscover long-lost brands and hard-to-find products. Shop at www.vermontcountrystore.com, by catalogue 802-362-8470, or at our stores. The Russian Tea Room - The New York City landmark opens its doors offering modem Continental cuisine and famous Russian classics. For reservations, call 212-581-7100. Acqua at Seaport - Come and visit us at the South Street Seaport and try one of our chefs exquisitely prepared dishes. 21 Peck Slip, New York City. 212-349-4433. 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 108220) Earn Double Points on Holiday Retail Purchases Enrollment required by 12/31/06. Qualifying charges Include all eligible retail, furniture, home goods, and warehouse club purchases posted between 11/01/06 and 12/31/06. To be eligible to earn double points for retail charges between 11/01/06 and 12/31/06, you must be enrolled in the Membership Rewards® program at the time of purchase and you must charge your purchase on an eligible, enrolled American Express® Card. Charges must post to your account no later than December 31, 2006. This offer represents one additional bonus point when used in conjunction with other bonus points offers. Maximum amount of reward not to exceed 50,000 bonus points. Only solicited Cardmembers are eligible for this offer. Bonus ID: 6265. Enrollment is required at www.americanexpress. 4mm/holiday"! or by calling 1-866 1453. (CE 108258) Savings at usaflorist.com Order a perfect gift for any occasion and receive $10.00 off every order of $29.99 or more. Make the holidays, a birthday, anniversary or any special day memorable. It's easy with our same-day delivery service. Order online at www.usaflorist.com/AMX or call 24 hours at 1-800-838-8853 and refer to code AMX to receive your savings. Valid only with the American Express. Card and minimum purchase of $29.99. Same-day delivery when ordered by Spin in recipients' time zone. Not valid in conjunction with any other offer. Offer expiration date is 9/20/2007. (CE 108295) 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. EFTA01704597 DUPLICATE COPY Pa • O:Ito' Page 10 of 13 Pay Your Quarterly Taxes with the Card - Earn Rewards Earn rewards while paying your taxes. You can pay your Quarterly Estimated (1040ES) federal, state, and local property taxes as well as Quarterly Employee Withholdings (Form 941) business taxes with the American Express® Card. For additional information, visit www.americanexpress.com/taxes. CAMMEMER BENEMS All federal, state, local end business tax payments made with the Card are subject to a convenience fee charged by either of the two RS-approved payment processors, official Payments Corp. and PAY1040.com. NI Card teams and conditions apply. www.americanexpress. com'taxes (CE 108288) Travel Medical Protection - Travel with Peace of Mind Travel Medical Protection, offered exclusively to American Expresso Cardmembers, provides insurance coverage for up to $100,000 for eligible expenses related to evacuations and medical and dental emergencies, while on a Covered Trip traveling anywhere in the world, when more than 150 mile radius from Your Permanent Residence for up to 45* days whether driving, on a cruise ship, flying on a Scheduled Airline or taking the Amtrak. Travel Medical Protection is underwritten by AMEX Assurance Company, Administrative Office, De Pere, Wisconsin. Coverage is subject to the terms, conditions, and exclusions of Master Policies: (varies per state) AX0950, AX0916, AX0124 or Policy Form Number TMP-IND and is subject to change with notice. in most states. INSURA Net There are some things you cant pack in a suitcase, like adequate insurance. So, travel with peace of mind! To learn more about the coverage or how You can enroll yourself and your loved ones, call 1.800.618.8302 and mention RSVP code XAN. (CE 108299) Experience Luxury and Savings - Preferred Hotel Group American Express@ Cardmembers are invited to enjoy unique amenities and superb rates with savings between 20% and 50% at participating Preferred Hotel Group properties. In addition, each participating hotel will offer one of the following special welcome amenities: Guaranteed room upgrade . Daily breakfast-.-Welcome taottle of wine or champagne . A unique hotel specific amenity, Offer valid through 12,31/07. All rates are per room, per night-and not combinable with any other promotions or programs, some restrictions such as minimum stays and bladtoadates apply. Rates may vary, are valid at participating hotels only, subject to availability and may change without notice. Welcome amenities vary and are subject to change without notice. Guarantee and payment must be made with your American Express Card. Void where prchibited. (deif j :Tlett i!! Please visit us at vnyw.preferredhotel group.comramex or your travel agent to book your Stay More package today! (CE 108301) Sail into Adventure with Celebrity Cruises® and Mariner Club With the American Express. Mariner Club, the ocean Is your playground. By booking a Celebrity Cruises Sailing with the American Express Mariner Club, you can enjoy exclusive benefits such as competitive fares, a friendly and professional on-board host, an exclusive cocktail party, a complimentary shoreside event, Cardmember-only benefits and more! Explore the wonders of the British Isles. Depart on May 17 for a 9-day visit that Includes Holland, Scotland and Ireland. As part of the American Express Mariner Club enjoy a morning tour of Kirkwall, Orkney Islands, Scotland. If you would like to explore Norway, Sweden, Finland, Estonia, Denmark and Russia instead, choose the 14-day Scandinavia and Russia cruise departing June 16th. Discover the pleasure of sailing with Celebrity and the American Express Mariner Club. 174trNIRCLUB Mariner host, shoreside events and cocktail parties contingent on minimum number of passengers and are subject to change. Offers we capacity controlled & may be mothfied/withdrawn without prior notice. American Express Travel Related Services Company, Inc. acts solely as sales agent for travel suppliers and is not liable for the actions/inactions of such suppliers. CST# 1022318-10, TA-002 Registered Iowa Travel Agency NV if 2001-0126, Washington UBI# 600-469-694, M111192. 2006 American Express. Ship's Registry: The Bahamas Promo Code: F1910001 Call American Express Travel toll-free at t-877-AXP-4577 and Mention Prom0 Code: F1910001 to !earn about this and other exciting Celebrity saltines. (CE 108285) 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. EFTA01704598 DUPLICATE COPY id Fa N r 12111:06 Page 11 of 13 Notice Of Changes To Your Cardmember Agreement In Connection With Change of Issuer This is a notice of changes to your American Express Card Account (your "Account') and to the Cardmember Agreement (the "Agreement") governing the Account. We recommend that you review this notice carefully, share it with any Additional Cardmembers on your Account, and keep it for future reference. This notice is given to you by American Express Travel Related Services Company, Inc. ("TRS") and American Express Centurion Bank ("AECB"). The changes are being made In connection with the assignment by TRS of your Account to AECB. This notice formally amends your Agreement as of the date it becomes effective. My contrary or conflicting language In the Agreement Is replaced fully and completely. All terms of the Agreement not changed by this notice remain in full force and effect. Your account number remains the same. After the assignment of your Account is completed, we will send you a new Agreement that incorporates the changes, so that you will have a restated agreement that includes at applicable terms. In general, the changes become effective on the 'Effective Date,' which will be the first day of the third billing period for your Account beginning after the Closing Date referenced above. This is the Effective Date even if you do not receive a billing statement for that biting period. However, if on the Effective Date there is an unresolved dispute on your Account, the changes will be delayed and become effective on the 'Secondary Effective Date.' The Secondary Effective Date Is the first day of the first billing period for your Account after the Effective Date in which there is no unresolved dispute. If for any reason the changes will not be Implemented for your Account on the Effective Date or the Secondary Effective Date, we will give you further notice. Change of Issuer The issuer of your Account, TRS, will assign your Account and the Agreement to AECB on the Effective Date. Accordingly, reference to 'American Express Travel Related Services Company, Inc." in the Welcome to American Express Cardmembership section and immectately below the Applicable Law section of your Agreement is changing to "American Express Centurion Bark" Governing Law In connection with the change of issuer described Immediately above, the state law governing the Agreement and your Account will change from the law of New York to the law of Utah. Accordingly, references to 'New York" in the Applicable Law section of your Agreement are changing to 'Utah.' Late Fees The fees we may assess for late payment wil increase and will no longer vary for Accounts with biting addresses in certain states except as noted. Accordingly, we are replacing the entire Late Fees section of your Agreement with the following: 'Late Fees If payment of any portion of the Amount Due on a billing statement is not credited to your Account by the Closing Date of the second of the next two consecutive billing periods, we may assess a fee In that same billing period of the greater of $35 or 2.99% of the total Amount Due that was not credited to your Account by that Closing Date (Iowa $15). If payment of the total Amount Due is not credited to your Account by successive Closing Dates, we may assess a fee equal to the greater of $35 or 2.99% of the total Amount Due that remains not credited by each successive Closing Date (Iowa $15): Other Fees Numbered paragraph 2, Copies of Statements, is being deleted from the Other Fees section of your Agreement, and numbered paragraph 3 of that section is being renumbered to be paragraph 2. Flexible Payment Features Since your Acccunt will be issued by AECB, we are making certain changes to your Agreement with respect to the Sign & Travel and/or Extended Payment Option account. These changes reflect that the Sign & Travel and/or Extended Payment Option, when activated. are now features of your Account and we no longer a separate account. Accordingly, references throughout the Agreement to 'Card Account- are changing to 'Account.' We are adding a now section entitled Flexible Payment Features to the Agreement, reading in its entirety as follows: 'Flexible Payment Features We may advise you that we have added one or more special plans to your Account that permit you to extend payment on various Charges designated by us. In this Agreement, each of these special plans is called a 'Feature." These Features include, but are not limited to, Sign & Travel°, Extended Payment Option and certain promotional offers we may make. The Sign & Travel Feature permits you, if eligible, to extend payment for airline tickets, cruise ship tickets, prepaid tour packages, certain Charges made outside of the U.S. and any other Charges designated by us. To elect to use this Feature, if you are eligible, you must either advise the travel agent. airline, or other travel Industry merchant that you wish to do so when giving your Account number for payment at the time of purchase, or fol/mv other procedures prescribed by us. The Extended Payment Option permits you, if eligible, to extend payment for all eligble Charges by advising us one time that you wish to do so. If this Feature Is added to your Account, all of your eligible Charges will be billed under the Extended Payment Option Feature of your Account. Eligible Charges means those individual Charges that are at or above the dollar amount disclosed to you when you enroll in this Feature, or any other amount designated by us. The following are examples of Charges that are not eligible Charges: Express Cash, American Express'Travelers Cheques, American ExpresseGift Cheques, Privileged Assets,° insurance, real estate and other transactions determined by us. We may change our designation of what Charges are eligible for the Sign & Travel Account and/or the Extended Payment Option at any time. Any Charges that are not eligible for extended payment, or any otherwise eligible Charges for which you have elected not to extend payment, will be due in full upon your receipt of the billing statement. Additionally, any Charges incurred by a Cardmember who is not eligible to use one of the Features will also be due in full upon your receipt of the biting statement. X0286 BP/CO/XPT2/0806 EFTA01704599 DUPLICATE COPY Pr od Fa' Page 12 of 13 Even If your Account is not enroled in a Feature, you may request to transfer the payarnfull balance, or a portion thereof, to a Feature, and extend payment of those amounts over time. We may approve or decline your transfer request in whole or in part at our sole discretion. Any portion of the parinfull balance not authorized by us for transfer to a Feature must be paid in full upon your receipt of your biting statement.' We are replacing the entire Billing Statements section of the Agreement with the following new section entitled Billing Statements/Amount Duo: *Billing Statements/Amount Due You must notify us immediately of any change in the mailing or email address to which we send biting statements or notices that a biting statement has been posted Milling Address'). If you wish a Billing Address charge to apply to more than one account you maintain with us, you must tell us. You agree that we may also update your Billing Address if we receive information that your Billing Address has changed or is incorrect. We apply those terms of this Agreement that vary by state according to your Billing Address. When we receive information that you have changed your Billing Address, those terms of this Agreement that vary depending on the state of your Billing Address will apply to the entire balance of your Account, including existing balances. Each billing statement will reflect a New Balance and, if your balance includes Charges incurred on any Feature, a Minimum Amount Due. The "Amount Due' is the total of (i) all Charges on your Account other than those associated with Features, plus (ii) the Minimum Amount Due (described below) for any Charges associated with Features, plus (iii) any portion of any previously baled Amount Due that remains unpaid. The Amount Duo is duo and payable once you receive the billing statement. You may pay more than the Amount Due, up to the total balance on your Account, at any time. The Amount Due for any Charges associated with Features will be the greatest of: • 1/50th of the New Balance of all Features on the Closing Date of the billing statement (the calor/Laden of which is rounded to the nearest whole dollar), • the current billed Finance Charges, or • $20 (or the total outstandng balance of all Features if it is less than $20). If the greatest of the three calculations Immediately above Is the current billed Finance Charges, then we will add 815 to the calculation of the Minimum Amount Due for Charges associated with the Features' We are replacing the last paragraph of the Payments section of your Agreement with the following: 'Sub/eel to applicable law, we will apply and allocate payments and credits among Features and Charges on your Account in any order and manner determined by us in our sole discretion. In most cases, we will apply and allocate payments to the Minimum Amount Due on Feature balances first, then to amounts due in full. The remainder of your payment will be applied to any outstanding Feature balances. Amounts applied to Feature balances veil be applied first to Feature balances at lower Annual Percentage Rates ("APRs") and then to higher APR Feature balances. In most cases, we will apply purchase credits first to the balance from which the corresponding debit originated. However, for servicing, administrative, systems or other business reasons, we may apply and allocate payments and credits among Features and to Charges on your Account in some other order or manner that we may determine in our sole discretion. You agree that we have.the unconditional right to exercise this discretion in away that is most favorable or convenient to us." We are adding a new section entitled Finance Charges on Features to the Agreement, reading In its entirety as follows: 'Finance Charges on Features A. Finance Charges begin to accrue foe each Charge as of the date it is added to the daily balance for a Feature, as described below. However, for Charges (other than Finance Charges) that are added to a balance automatically, no Finance Charges will accrue in any billing period in which the total Account balance on the Closing Date for the previous billing period is zero or a credit balance. In addition, Finance Charges will not accrue during a biding period on any Feature balance if, by the Closing Date of that billing period, payment In full of the New Balance shown on the statement for the previous billing period is credited to your Account; provided, however, that Finance Charges will accrue on transactions added at your request to a Feature balance during the billing period. B. Each Feature is subject to the same Daily Periodic Rate ("DPR"), unless we notify you otherwise. Except as provided below, the DPR for each Feature is based on an APR, which may vary. The APR is the Prime Rate (described below) plus 9.99%. A DPR is 1/365th of the APR. Your DPRs and APRs appear on the accompanying supplement(s). When an APR changes, we apply it to any existing balance subject to that rate. C. The "Prime Rate' is determined once with respect to each billing period. The Prime Rate for each billing period is the Prime Rate published in the Money Rates section (or successor section) of The Wall Street Journal on (a) the first day of that billing period or (b) the day that is two days prior to the Closing Date of that billing period, whichever is higher. In each case, if such day is not a customary publication day for The Wall Street Journal, we wiil substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rale 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. Any increase or decrease to an APR resulting from a change in the Prime Rate takes effect as of the first day of the billing period. An increase in the Prime Rate means that the variable APRs (and corresponding DPRs) applicable to your Account will increase and you may Incur higher Finance Charges and may have a higher Minimum Amount Duo. D. The DPR (and corresponding APR) on all Features may increase to the Default Rate If during the Review Period (i) your Account is delinquent on the Closing Date of any two consecutive bitting periods; or (i) on two or more occasions a payment submitted on your Account is not honored on first presentment. Your Account will be considered delinquent if payment of the Amount Due from a billing period is not credited to your Account by the Closing Date of the next billing period. The "Review Period" is the period, constituting approximately one year, of twelve consecutive billing periods ending with the Closing Date of the current billing period, whether or not you received a statement for each such billing period. If the Default Rate is applied, It will apply to your Account for twelve consecutive biting periods, beginning with the current billing period. The Default Rate will not apply to any balance for Features unless it is higher than the rate that would otherwise apply to that balance. The Default Rate is a DPR which corresponds to an APR equal to the Prime Rate plus 21.99%." We are adding a new section entitled Average Daily Balance Method for Calculation of Finance Charges to the Agreement. reading in its entirety as follows: "Average Daily Balance Method for Calculation of Finance Charges X0286 BP/CO/XPT2/0806 EFTA01704600 DUPLICATE COPY Pr td <comet tltrnber Cleekg DM. 12/11/06 Page 13 of 13 We use the Average Daily Balance method to calculate Finance Charges on your Account. Under this method, we calculate the Finance Charges an your Account by applying the DPR to the Average Daily Balance (as described below) separately for each Feature subject to a different DPR (Including current transactions). Different DPRs may be applied to separate Feature balances. To get the Average Daily Balance for each Feature, we (1) take the beginning balance for each day (including unpaid Finance Charges from previous billing periods), (2) add any new transactions, debits, or fees, (3) subtract any payments or credits credited as of that day, and (4) make any appropriate adjustments. For each day after the first day of she billing period, we also add an amount of interest equal to the previous day's daily balance multiplied by the DPR for the Feature. Tlis gives us the daily balance for the Feature for that day and the beginning balance for that 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 fee the billing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for that Feature. If you multiply the Average Daily Balance for each ceature by the number of days in the billing period and the DPR for that Feature, the result will be the Finance Charge assessed on that Feature, except for variations caused by rounding. The total Finance Charge for the billing period is calculated by adding the Finance Charges assessed on all Features of the Account This method of calculating the Average Daily Balance and Finance Charge results in daily compounding of Finance Charges. We may use mathematcal formulas which produce equivalent results to calculate the Average Daily Balance, Finance Charge, and related amounts. For example, we may utilize computer programs or other computational methods that are designed to produce mathematically equivalent results while using fewer and/or simpler computational steps than are described in this Agreement. At our discretion, we may exclude certain categories of debit transactions or fees from the calculation of the daily balances. Unless we elect to use a later date, we add a Charge to the daily balance as follows: For Charges (other than Finance Charges) that are added to a balance automatically, we add the Charge to the appropriate daily balance for the Feature as the transaction date of the Charge. For Charges that are not added to a balance automatically (e.g., in response to a specific transfer request), we add the Charge to the appropriate dady balance for the Feature as of the date we process the request. Periodic Finance Charges are added to the outstanding balance at the end of the biting period for which Finance Charges we calculated. In our sole discretion, we also may round any calculations made in determining the Finance Charges on your Account in any way that is convenient to us. Any such rounding may apply to or cause variations in your DPRs.' We are replacing the entire Suspension/Cancellation section of the Agreement with the following new section entitled Suspenslort/Cancellation: 'Suspension/Cancellation In addition to any other actions we may take under this Agreement, we may suspend or cancel your Account. any Feature, or any component of your Account, and/or we may suspend or cancel the authorization of any Additional Cardmember to make Charges to your Account, at our sole discretion at any time, with or without cause, whether or not your Account is in default, and without giving you notice, subject to applicable law. Any such action on ow part wil not cancel your obligation to pay all Charges due on your Account under the terms of this Agreement in effect at the time of such action.or as subsequently amended, and you agree to pay us all such Charges despite any such action. We may advise third parties who accept the Card that the Card(s) issued to you and/or Additional Cardmembers have been canceled. If we cancel the Card or it expires, you may no longer use a and you must destroy it or return it to us or, if we request, to a third Patti If you want to cancel the Account or any Additional Cards, you must notify in and destroy the Card(s). If we agree to reinstate your Account after a cancellation, the new Agreement we send you (or, if we do not send you a new Agreement, this Agreement as it may be amended) will govern your reinstated Account. When we reinstate your Account, we may reinstate any Additional Cards issued in connection with your Account, and bill you the appicable annual fee(s).' We are replacing the last paragraph of the Default section of your Agreement with the following: 'In the event of your default, and subject to any limitations or requirements of applicable law, we may require payment of a portion of your outstanding balance greater than the total Minimum Amount Due declare the entire amount of your obligations to us immediately due and payable, and/or suspend or cancel your Account, any component of your Account, and/or any Feature that may be offered in connection with the Account. You agree to pay al reasonable costs, including reasonable attorneys' fees, incurred by us (1) in connection with the collection of any amount due on your Account, whether or not any arbitration litigation, or similar proceedings are initiated; and (2) in reasonably protecting ourselves from any loss, harm, or risk relating to any default on your Account.' We ore deleting the entire Sign & Travel and/or Extended Payment Option Agreement from your Agreement document. Equal Credit Opportunity Act The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter Into a binding contract); because all or part of an applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning TRS Is the Federal Trade Commission, Equal Credt Opportunity, Washington, D.C. 20580. The federal agency that administers compliance with this law concerning AECB is the Federal Deposit Insurance Corporation, Credit Card Center, 2345 Grard Boulevard, Suite 100, Kansas City, MO64108. If you have questions regarding this notice, please call the telephone number listed on the back of your Card. Thank you for your continuing Cardmernbership. X0286 BP/CO/XPT2/0806 EFTA01704601 DUPLICATE COPY Platinum Card® Statement of Account 112)31/06; WITeri;aNOO));Iiii*p- 13eicup ;PO n s tun' and ap acdettratievitgrottatandnot AO" 3vS4K.Afilt{En.geN,, a Pr ea For noneurn (Arbor Poem Otte 01/11/07 Pagel of Nen es$ (ire. ,-:wee MOW Anntrnum Please Pay By Due in Full Flexible Preens Mende $ Pareenintredba S amt New Palates $ Amount Due S 02/05/07 Please refer to page 4 on How to Avoid Additional Finance 676.03 +3,610.34 -1,200.00 -3,610.34 +1,938.67 +3,891.53 1,414.70 +3,891.53 +1,414.70 +78.00 Total 4,286.37 4,810.34 +5,830.20 =5,306.23 1,492.70 Charges. Please refer to page 2 for important Information regarding your account Terms - Payable in full upon receipt of statement. Pay your bill online anytime, anywhere at www.americanexpress.com/payblll. For automatic replacement of a lost, stolen, non-received or damaged card, call 1-800-992-3404. For automatic balance Information, please call 1.800-5253355 and press option 1-1. For assistance or questions about your account, contact us at www.americanexpress.com or call Customer Service at 1-800-525-3355. No More Worries When You Travel Afraid of damaging or losing newly purchased items? Just buy them with your Card. The Purchase Protection Plan protects eligible items against theft, loss and accidental damage for up to 90 days from the date of purchase. Coverage is limited to $10,000 per Occurrence, up to $50,000 per Cardmember account per policy year. The Premium Global Assist Hotline must arrange all medical and visitor transportation. Because the Premium Global Assist Hotline is an assistance service, we cannot reimburse you for expenses you Incur on your own. For more information, visit amerloanoxpress.com/platinum. Activity .frdwe'rearlds° ons for Anteunt ,A2/13/06* 4191034 CHKLEES ITAIRECV1114tNKY00' t:' AePLIED TO.191,11%.WTO/P9E: 12/11/06' ANNUAL MEMBERSHIP FEE PERIOD 02/07 THRU 01/08 12/11/06 FAO SCHWARZ INC NEW YORK NY 128.97 TOY/HOBBY/GAME SHOPS + Pluse ioe on Ire pendrecn teem desh and return noted penent 4 Payment Coupon 10021 - 6 21 7 Lrrllllrrrll..... LrrILlLrrrLlrrrliLrrlNirlrlrrirlrrll Mail Payment to: Please Pay By: 02/05/07 Total New Balance $ 5,306.23 Minimum Amount Due $1,492.70 • Amount enclosed IIdJIIrIrIII,rLJIILI,lllrtrlll,IlrLI,IIrrLIIlrLll rill AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 Continued on Page 3 Please enter account number on all checks and correspondenoe. Payable In US Dollars upon receipt with a bank in the US or money order, processablo through the US banking system. To Pay by Phone, call 1-800- I-PAY-AXP or 1-800472- 9297. Please refer to Page 4 on How to Avoid Ada:Rion& Finance Charges. Check here if address or telephone number has changes. Note changes on reverse side. 000149270000193867 11Hr, EFTA01704602 DUPLICATE COPY -ad For Page 2 of 8 Payments: Payments received after 12:00 noon may not be credited until the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must rirde with a single check or draft drawn on a US bank and payable In US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system, or through' n electronic payment method payable in Us dollars and clearabie through the US banking system. Your Account number must be included on all payments. If payment does not conform to these requirements, crediting may be delayed and additional Charges may be imposed. If we accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US dollars unless a particular rate is required by law. Please do not send post-dated checks. They will be deposited upon receipt. Our acceptance of any payment marked with a restrictive legend will not operate as an accord and satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks electronically, at first presentment and any re-presentments, by transmitting the amount of the chock, routing number, account number and check serial number to your financial institution, unless the check is not processable eledronicaly or a less costly process is available. By submitting a check for payment, you authorize us to Initiate an electrode debit from your bank or asset account. When we process your check electronically, your payment may be debited to your bank or asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your bank or asset account statement. If we cannot collect tho funds electronically wo may issue a daft against your bank or asset account for the amount of the check. Authorization for Electronic Payments: By using Pay By Comcuter, Pay By Phone or any other electronic payment service of curs , you will be authorizing us to initiate an electronic debit to the financial account you specify in the amount you request. Payments receved after 5:00 p.m. MST may not be credited until the next day. Allocation of Payments and Credits: Subfect to applicable law, we will apply and allocate payments between your Card Account and your Sign & Travel and/or Extended Payment Option Account (if that account has been activate ("Extended Payment Account") (referred to as "Account" in the Sign & Travel and/or Extended Payment Option Agreement) and, within each of these accounts, to Charges In any order and manner determined by us in our sole discretion. In most cases, if you have a credit balance on your Card Account we will not apply or allocate any part of that credit balance to any Extended Payment Account unless you contact us at a time the credit balance exists and instruct us in writing how you want us to a!, that credi Delano°. Charge Card and Statement Information: The annualise is $395.00 forthe Basic Card,$175. rr. or up to three Additional Platinum Cards on your Account and $175.00 for each Additional Platinum Card enyour Account after the first three. The annual fee is $45.00 for up to five Additional Gold Cards on your Account and 64500 for each Additional Gold Card on your Account after the first five. You may dscontinue your membership by contacting Customer Service.Transactions Made in Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary balking sources, on the conversion date or the prior business day, in each instance increased by 2%. This conversion rate may differ from rates in effect on the date of your charge. Charges converted by establishments (such as airlines) will be biled at the rates such establishments use. Blinn° 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 Customer Service address noted to the right. We must hear from you no later than 60 days alter we sent you the first bill co 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 information, describe the item you are unsure about. You do not have to pay any amount in question while we we investigating, but you are stil obligated to pay the pars of your bill that are not in question. While we investigate your question , we Gannet 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 checking or savings account, you can stop the payment on any amount you think is wrong. To stop the praphent your letter must roach 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 bard, andyou have tried in good faith to correct the problem with the merchant, you may not have to pay ftie remaining' amount due Onthe goods or sennces. You have the protection only when the purchase price was more than 853 and the purchase was made in your home state or within 103 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 we covered regardless of amount or location of the purchase.) Credit Balance: If a credit balance (designated CR) is shown on this statement, it represents money owed to you. 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 if the amounts $1.00 or more. Important Notice to North Dakota Residents: If the Accourd is past due fa two or more billing periods, a late payment fee of 1.75%of all past due amounts will be added. Change of Address It cotton on front do rat uto To Pay By Phone 1.800-472.9297 Customer Service and Lost or Stolen Card 1.800.525.3355 24 hours/? days Car Rental Loss and Damage Insurance 1.800.338.1670 Hearing Impaired (gam-Spm EST) TTY: 1.800.221.9950 FAX: 1-800-695-9090 In NY: 1.800.522.1897 Large Print and Braille Statements 1-800-525-3355 Travel Emergency and Worldwide Personal Assistance and Fine Dining 1-800-345-AMEX Platinum Card Travel Service and Fine I-kitels, Resorts & Spas 1-800-443-7672 By Invitation Only 1.800.321-RSVP • Customer Service P.O. Box 7825 C.S Ft. Lauderdale, FL 33329-7825 Express Cash P.O. Box 297815 Ft. Lauderdale, FL 33329-7815 Payments P.O. BOX 2855 NEW YORK NY 10116-2855 • To change your address online, visit www.americanexpress.comfupdatecontactinfo • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly In blue or black Ink only in the boxes provided. Stoat Addiess City, Stale Zip Cod* Area Coda and Homo Phone Alea Coda and wok Phan* Email ;optional) 1 I 1_1A LLI I I Please provide your e-mail address to receive important j account updates and exclusive Cardmember offers and benefits. You may visit the American Express Privacy Statement at www.americanexpress.com/mivacy for more details and toset your email preferences. EFTA01704603 OSJOAGJ （力 p아삐'U凹 00 '00r I- L9 "BC6노 suofloesue.ij p1e3 40 1e10J. 30V8크A크9/000크 人N >1님0人 M크1妃90000 S늬on日HYIS 上a足fl/b 豁 dl! 크9V}J크八弓可000d .tMV8flViS크U 없I9 人N )IUO人 M카'1 >180人MBN 크0V끄4叭 八晦아1.0 S引YS 19"ai 人N >180入 M引寸 >180人 M크N ＄人크NUY日 ｛아｛0/1.0 $中中｛妃 K汁'C 크80上S-NI gnU' 人N 거80人 M카的中蚣巾a1야e기SOIEINOXX크 仄四아10 弱1油5螂 0弱61L0凹 60'&I 人N 겨do人川日씨 凹哮x아叩狗크 @d0HS .L的0/10 00十 d比 卜a‘妃 羽V83／日甘0o0d J)NdnY上Sa8 巾9.'c 人N >180人M카Ii 크Nfl叫씨00의Uvd L0/bWL0 gt.91 八크9 "000크 크ovu크八크9 0NVO的dfl0 9*9' 人N 거80人 M크N N크八V카4 H크SUnS 112尾0/to 9L92SLb999 6L09919Q 19'911 Vd 蚣9亡S／伊999 VI00010dMMM 얹WOCRI 人0VV4UVHd／카幻上＄ enH0 OL26 t*ior INNS 크80上SDfld0V39］크HO 戟I,卜配1 엶如 比配 比 569쏘asco oooc1 人N 此中0-199-？比 cII#0Ic川 X0NlflO크 1就蛇乙71 크HV肌I늬OSA坦LAid.싸的 661 V0 014118크duO 크do上＄ 이SflMS크NflhI 的蛇乙e1 工크Nd크IN! 01)們 工0크8口 끼:atooooo {0’四I NJ. ONV1J.dod크8YMO닙VHNO吐VtIOIS카J .90/I&口1 ＄키Vs a0 " a9 人N >180人 M크N >480人 M크NS人크NUV日 얹l尼1尼1 크S口NVH아d크I'llVd카寸크0 tat{ 人N 거80入M크N dd00 기VA크U OlOd 얹1四I尼1 ＄引Vs to드9 人N 늬80人M크N >180人M크NS入크NUVS 90/14尼1 Va囚Id日唇OUVO U에小nseo 四끄9끄009 61691 사寸 0N비＄1 Na上v上S 9910 SIIUGN크d 就VZU21 SW口0四 POflURUOQ SUOflOCSUCJj a戶Ce 6ed 땠벎毖 ' 'N IJ(X 人dO3 크.Lvondna EFTA01704604 DUPLICATE COPY Cr --cd 'cr Page 4 of 8 Flexible Payment Option Statement of Account Thank you for using Flexible Payment Option. Mena 010 01/11/07 Account Minimum Summary $ Payment $ Payment Due Date Previous Balance 3,610.34 78.00 02/05/07 Payments/Credits -3,610.34 FINANCE CHARGE 0.00 New Charges 3,891.53 New Balance 3,891.53 Finance Charge Balance(s) to Which Average Daily Annual Daily Periodic Please refer to page 4 Schedule Rate Applies Balance Percentage Rate Rate ALL $0.00 18.24 % .0500% for importer* information regarding your Sign & Travel and/or Extended Certain of the psricctic rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in the Wall Street Joumal, as described in your Cardmember Agreement as currently in effect. Finance Charge Total Finance Charge 2006: Summary $59.07 S&T and/or ExPO Activity for Amount Cud :1 ".4124NarcPMEKE, fc? erajtgagen 12/13/08 WWW.POLO.COM 888-475-7674 GOODS AND SERVICES PA 1,744.08 12/14/06 BLOOMINGDALES NEW YORK CREME DE LA MER NY 211.33 12/15/06 POLO RETAIL CORPORATDALLAS APPAREUACCESSORIES TX 1,624.00 01/06/07 JEFFERY #0002 NEW YORK •GODDS AND SERVICES NY 312.12 Total of S&T and/or JxPO Activity New Charges Payments/Credits 3,691.53 -3,610.34 Important Sign & Travel and/or Extended Payment Option Information Finance Charge: To calculate the Finance Charge, we multiply the Daily Periodc Rate, by the Average Daily Balance for the billing period. Then we multiply the product by the number of days in the tilling Polled To get the Average Daily Balance we take the beginning balance of the Extended Payment Option rAccounr) eachday, add any new Account Charges and accrued and unpaid Finance Charges and subtract any payments or credits. Then we add up the daily balances for the biting period and divide by the number of days in the biting period. This gives us the Average Daily Balance. This method of computation of the Average Daily Balance results in COmPOund intereSt. If in any 12 month period ending with the Closing Date of the current billing period you were in default on your Account or any other American Express Account, the APR appticalate to your entire Account balance will be as diseased to you tll your Cardmember Agreement and its supplement(s). Payments: Please see the payment information and instructions on Page 2. Remember, your payment each month should be for at least the Minimum Amount Due a the Total Amount Due, whichever appears on the Card Account Statement. Either amount includes the Account Minimum Payment shown on the Account Statement and the balance due on your Card Account. If you want to pay more than the Minimum Payment ( up to the allure Account New Balance ) , make your payment for the larger amount and the excess will be applied to your Account. How to avoid Additional Finance Charges: To avoid additional Finance Charges the Account New Balance must be paid in full by the Closing Date of the next billing period. American Express. Centurion Bank will net impose Finance Charges for Account Cinemas made in any biting period for which payment in full has been received on or before the Closing Date of the next billin_g period. Creditor The Extended Payment Option end/or Sign & Travel is issued by American Express Centurion Bart. Billing Inquiries Customer Service 1.800.525.3355 (24 hours, toll free) Address American Express Customer Service P.O. Box 297807 Ft. Lauderdale, FL 33329-7807 EFTA01704605 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) www.americanexpress.corn/rewards American Express Membership Rewards P.O. Box 297813 Ft. Lauderdale, FL 33329.9785 MembePNflIf9W&ilMPEIs® Monthly Statement and Program News Statement Period December 1, 2006 a December 31, 2006 Account activity atter this period does not appear on this statement Available Points 166,752 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 159,315 +7,437 0 0 =166,752. New Points Earned 12/01/06 • 12/31/06 Points Adimay On Bonus Points Total Points Activity Eligltre Charges Awarded Per Card . 7,437 0 7,437 Totals 7,437 0 7,437 Page S 018 American Express• rAlCk:- • " n ARE1111111u- I Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standng. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a tee by calling the number provided below. Eligible Card charges are outlined In the Membership Rewards program Terms and Conditions in your Membership Rewards Guide. If you have questions, please visit www.americanexpress.com/rewards or call 1.800•AXP-EARN (297-3276). From overseas, call collect 305416-2799. Use Points for Pampering at Bath & Body Works From luxurious body treatments to world-class skincare, and from pure aromatherapy to pampering spa products, Bath & Body Works has redefined the world of personal care with their collection of best-selling, award-winning beauty products. Spoil Your Valentine and Earn 10x Points PLUS 100 Additional Bonus Points at FTD.00mo Spoil your Valentine and earn 10x Membership Rewards* points all year PLUS, through 2/15/07, earn 100 additional bonus points when you shop at ftd.com/amexpromo and pay with your American Express® Card. Choose from great Valentine's Day flower collections, gourmet gifts, plush teddy bears, spa products, and more! 10x pecan va5d *tough 1211/07.100 tows poiriS ollet wld 12MX.-2/1507o4 NM valid in retail sects a in oonjunctca yeah eery oh; ol'ai tom FTD. To sun bonus pais, you musl be embed in the blembenNa Ftenaids prograrn al lho One dpisclbso end thug. you' without@ an *la* ettolal knorian F.sy.tessile end Bows pcires tocredted b yew MembereWp nOWNCIS a:couat 1042 nee de: ode/ adducted and cha:ges appear cn you tang alab:ment. Bores 0.70754984. Redeem for Tumi Generation 4 Napa Leather Travel Kit in Black - 14,500 Points Enjoy the luxury of rich, full-grain leather in this popular slim design. Refined, modern design, easy-access U-shaped opening, handle, exterior pocket, water-resistant lining, interior elastic loops. Fits all your travel needs. Redeem for this or other great travel products only from American Express.com. (Reward Code: CMP837, Points: 14,500). Tams ord ecnItiona alto Marrbeeship Row.vds progra-n goy. For more information, visit BathandBody Works.com. (MR Message 2465) Spoil your Valentine this year with flowers and chocolates and earn I Ox points PLUS 100 addtional bonus points when you shop at ttd.com/amexpromo through 2/15/07. (MR Message 7383) To redeem, visit membershiprewards. com/TumiTravelKit or call 1-800-AXP-EARN (297-3276) by February 15,2007. (MR Message 6421) 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. EFTA01704606 Arne) it410:Eir lei* . - M M E RAN e dirtili [IA Pi Kodak CreativeNetwork VAIL RESORTS* Just moor: Day In PAradIse a et Et virgin atlantic ICATE COPY American Exprens Make. Immediate IRS Payments with Pay1040.com! Do you owe federal taxes? Using your credit Card to pay taxes offers a convenient way to manage your tax payments and build credit Card rewards. PAY1040.com is the trusted and secure way to make Individual and Business tax payments to the IRS. Tomb: and condlian dee Merntorehb Rental) program apply. For mote intoonabon. membershIprewards.com. Taxes and ROO may einl*. You mayor* redeem Mo'ntash4,Rewant pan.'-. b OW Mo cat at No Its Damen <omen/Mee lee. :RE*. your priraly ti-aked Account MI be charged for ra tar Dinned COM:okra In. Amercan Express veil deW:. paints Iran the Memberolip Pomarch prow om ocCatO ton have a Gunmen:bop met la the ante of to charge to boor prinall Linked ACCOUlt CO(1:00:0 Caddrounters wtli cub The Caporal. Card oroollechn the program may not redcoat kr the reward. Elbeinees Carctmernbers me elbkle lo redeem It. bu rouraM Earn Double Points on Orders of $50 or More at KODAK Creative Network - All Year Long! Help grow your business with easy-to-create marketing materials backed by Kodak's dependable customer service and earn double Membership Rewards® points on orders of $50 or more from KODAK Creative Network when you pay with your American Express® Card until December 31, 2007. Rely on Kodak's customer service to deliver the exceptional quality you demand. Gem void 111.07. 12/3107. Tote RON le earn toms pate you rnuolbo eacard in the Mcentomene Remo* program rThuomml et Me tine el perch's* and you mug dome yew purchme al f80 or moo co co *Volk onrolid Amman Econ. Card. Illorse maMt veil to a te your Program account 60 weeks der chrove mew on your ban Statement BONA ID: 0341. Redeem Membership Rewards® Points to Plan a Winter Wonderland Vacation! Enter the world of Vail, Beaver Creek, Breckenridge, Keystone and Heavenly resorts, where you'll ski through pristine alpine bowls, stroll in quaint villages lined with eclectic boutiques, take In the view of Heavenly's sparkling blue lake or carve turns on an immaculately groomed cruiser. This Spring. enjoy warm weather skull§ and signature events like Spring Back to Vail.and Breckenridge's Spring. Massive. Create a-unique vacation when you redeem Membership Rewards points for the ultimate ski experience. Tams and conda al the Mtentwehip Rowed% oregremacfri. For incoe inkernaron vat meelberthIprovier0SCern. Get a Ticket Across the Pond on Virgin Atlantic Airways Enroll in Virgin Atlantic's award-winning loyalty program, Flying Club, and exchange Membership Reward® points for miles, where upgrades await. Virgin Atlantic offers the best cabins in the sky, Premium Economy boasts a larger seat and Priority Boarding and Upper Class hosts an onboard bar, massages and a handsome amenity kit, for starters. Purchase a full-fare ticket in Economy et or B class) or Premium Economy (W or S class) and upgrade today. Ten col corriOroo d the Mornlyerehlp Rewards precrern com1/4 tor more irloombm momborshIpmvardeRom. IrolvORI ar oonier rottnaicas may op*. Taxco ad fanny on*. Page 6 of 8 To preview this reward and to redeem points, visit membership rewards.com or call 1.800-AXP-EARN (297-3276). (MR Message 7153) To learn more about KODAK Creative Network, visit creative.lcodalccom and earn double points today! (MR Bonus ID 0341) To pere+Aew this reward and to redeem points, visit membership rewards.com or call 1.8O•AXP•EARN (297-3276). (MR Message 8189) To preview this reward arid to redeem points, visit membership rewards.com or call 1-800-AXP•EARN (297-3276). (MR Message 2165) 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. EFTA01704607 DUPLICATE COPY adiaistar Min Account Nirrig s CustoinExtrar Cairg Daao 01/11/07 Page 7 of 8 Trader Joe's Now Accepting American Express® Cards Trader Joe's - A neighborhood grocery store where value and culinary adventure await, now accepts American Express Cards. Trader Joe's buyers travel the world in search of intriguing items and sure-fire staples. All items must pass through an opinionated and TRADER JOE'S' impassioned tasting panel when assessed for consideration in a Trader Joe's. The result is an appetizing array of high-quality groceries that tempt the palate, but won't break the bank. From bruschetta to bananas. Stir fry to steak. Cashews to coffee. Come join the grocery shopping adventure at Trader Joe's. Now you can use your American Express Card at your neighborhood Trader Joe's. (CE 109463) Savings at usaflorist.com Order a perfect gift for any occasion and receive 510.00 off every order of $29.99 or more. Make Valentine's Day, a birthday, anniversary or any special day memorable. It's easy with our same-day delivery service. Order online at usaflorlst.com/AMX or call 24 hours at 1-800-838-8853 and refer to code AMX to receive your savings. Valid only with the American Express* Card and minimum purchase is $29.99. Same-day delivery when ordered by 3pm in recipients' time zone. Not valid in conjunction with any other offer. Offer expiration date is 9/20/2007. (CE 109424) Book Your Next Cruise Through Cruise Privileges CA REI BENEFITS. . The Cruise Privileges program features some of the finest cruise lines in the world and special amenities created exclusively to enhance your cruise vacation. The variety of travel options makes it easy to find a style to suit your interests--active or laid back, cozy or grand. And, when you book a cruise through one of these partners, you will receive a $300 shipboard credit or two-category room upgrade. Program terms and conditions apply. For full program information, visit ameticanexpress.com/platInum. To see how Cruise Privileges can complement your voyage, call Platinum Travel Service at 1.800.443.7672. (CE 108414) Now Accepting American Express® Cards! University of MD University College (UMUC) - Providing higher education to 90,000 working adults, military personnel, and students worldwide. umuc.edu or call 1-800.888-UMUC. Frederick's Downtown - Chic south-of-France bistro with refined cuisine and a great bar scene. 637 Hudson St. at Horatio St., West Village. Call 212-488-4200 or visit fredericksnyc.com. Athens Live - Mediterranean food, live music, beautiful atmosphere. Catering and parties available. Open Mon., Wed.- Sun. 33.12 36th Ave., Long Island City, NY. 718-729-4945. 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 108326) Travel Medical Protection - Travel with Peace of Mind Travel Medical Protection, offered exclusively to American Express. Cardmembers, provides insurance coverage for up to $100,000 for eligible expenses related to evacuations and medical and dental emergencies, while on a Covered Trip traveling anywhere in the world, when more than 150-mile radius from Your Permanent Residence for up to 45* days whether driving, on a cruise ship, flying on a Scheduled Airline or taking the Amtrak. Travel Medical Protection is underwritten by AMEX Assurance Company, Administrative Office, De Pere, Wisconsin. Coverage is subject to the terms, conditions, and exclusions of Master Policies: (varies per state) AX0950, AX0916, AX0124 or Policy Form Number TMP-IND and is subject to change with notice. 'In most states. INSURANCE There are some things you cant pack in a suitcase, like adequate insurance. So travel with peace of mind! To learn more about the coverage a how You can enroll Yourself and Your loved ones, call 1.800-618.8302 and mention RSVP code YCV. (CE 108425) 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. EFTA01704608 DUPLICATE COPY Page 8 of 8 Make Your Luxury Hotel Stay More Rewarding Whether you're seeking world-class skiing, championship golf, a beach escape, or exclusive spa, the Destination Hotels & Resorts collection has a selection of over 30 resorts and hotels nationwide. Participating Destination Hotels & Resorts are offering American Express® Cardmembers double Membership Rewards® bonus points through 12/31/07 when you pay with your American Express Card. Offer valid 1/1/07-12,31/07. Maximum 2,500 bonus points on any single transaction. For eigitilny, you must be enrolled in the Membership Rewards ("Program") at the time of stay and charge your stay on an eligible, enrolled American Express Card. Bonus points will be credited to your Program account 6-8 weeks after charges appear on your billing statement. Indvidual terms and conditions, as well as annual Program fees, apply for certain Card products. Bonus ID: 7313. CARD/4O48ES BENEFI1S For more information and to see participating properties, go to destInatIonhotels.corni rewards. (CE 108429) Suite Dreams on Us When You Visit Connecticut Recognized for our extraordinary service, impeccable accommodations and award-winning cuisine, the Inn at Middletown awaits you in Connecticut. As an American Express® Cardmember, you can enjoy a complimentary suite upgrade on us when you use your American Express Card and mention offer code SUITE. The Inn at Middletown is conveniently located central to Cromwell, Rockyhill, Meriden, Glastonbury, Wallingford, New Haven and Hartford Counties. Offer valid now through Apra 30, 2007, and based on suite availability at the time of reservation. Other restrictions may apply. CARDMEMBEA BENEart Call 8604354-6300 or outside CT 1-800-637-9851, or contact your local travel agent. Mention offer code XPV. (CE 108428) Great Ski Resort Offers at My Ski Vacation CARD IEMBER BENEFITS Visit My Ski Vacation at mylifemycard.com/ald for great ski resort offers exclusively for American Express® Cardmembers. Whether you want to ski the moguls in Vermont or cruise,the powder in Colorado, we have valuable offers to help you travel to your favorite resorts for an incredible ski vacation. • Visit mylifemycard.comiski for great ski resort offers. (CE 108427) Reward Yourself with USA TODAY! -CUM TAY Start your day off right with home or office delivery of USA TODAY. USA TODAY delivers the news you need to know, when you need it, in a concise format to save you time. Enrich your life with exclusive stories only found in USA TODAY. Just 13 weeks for $45.50, 26 weeks for $81.00 or 52 weeks for $146.00. Only American Expresso Cards are accepted. Void in Alaska. Local sales tax when *diet* will be added to your order. To redeem call 1.800.872.0001 and mention code 217 or visit us at usatodaysubsorlbe.comr usat. (CE 108410) Pay Your Quarterly Taxes with Your Card and Earn Rewards CARO AEMBE.F. P;nr ITS Earn rewards while paying your taxes. You can pay your Quarterly Estimated (1040ES) federal, state, and local property taxes as well as Quarterly Employee Withholdings (Form 941) business taxes with your American Expresso Card. For additional information, visit americanexpress.com/taxes. All federal, state, local and business tax payments made with your Card are subject to a convenience fee charged by either of the two IRS-approved payment processors, Official Payments Corp. and PAY1040.com. All Card terms and conditions apply. amencanexpress.com/ taxes. (CE 108403) 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. EFTA01704609 DUPLICATE COPY Platinum Card® Statement of Account 172,317 .,..i,l'Heriiliership•Remilicls, a01/31107, %Hien ohirgdO due ate paid in Ifolkatiel:alraCC0UntaireirighaditandirigA Due in Full Flexible Total P.evba Balm:* Paptants/Cradb E taaua New Chargeta S Me. Roared Charm Early) "at °Wm 02/10/07 New Educe S cab MOnum Amount Due S Page 1 of 10 Please Pay By 03/07/07 Please refer to page 5 on How to Avoid Additional Finance Charges. Please refer to page 2 for important information regarding your account 1,414.70 +3,891.53 -1,507.72 -5,252.77 +1,059.09 +1,576.08 966.07 +214.84 +966.07 +20.00 5,306.23 -6,760.49 +2,635.17 =1,180.91 986.07 Terms - Payable in full upon receipt of statement. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. For automatic replacement of a lost, stolen, non-received or damaged card, call 1-800-992-34O4. For automatic balance information, please call 1-800-525-3355 and press option 1-1. For assistance or questions about your account, contact us at www.americanexpress.com or call Customer Service at 1-800-626-3355. IMPRESS • Your Year-End Summary Is Coming Soon! The Year-End Summary consolidates the charges that were processed and posted to your account in 2006 into one convenient report. It can be a helpful tool in budgeting for the upcoming year's expenses or for tax preparation. The online summary allows you to view your transactions by category, and to sort your transactions by date, charge amount and merchant name. You can also view your total account activity, or view charge activity by each Card on the account if you have Additional Cards. You can download your summary as a PDF or Microsoft@ Excel file, and save it for future use. Please note that transactions posted to your account after December 31, 2O06, will appear on next year's summary. Activity frd""Pa'r"a Card Tran Rrtlonsfor Card $, 01 Mier- 01/11/07 3,4?,4j 35afii• S•Wrat215,T.*>TI7IM`19 19,CI pe.f.q0),F,IttlED:IpAlwA;03 EVE?5?0,, 979PW§gCR4:rittA0N 80;1509 :<:PHtN 3151.16464064ENA0FiAREUACCiteoit:t SUSHI SAMBA NEW YORK NY FOOD AND BEVERAGE TIP 00000700 4 Plum IDE on era rxrlaaskn bobs, detach and roam wth )ay. parsed Payment Coupon 10021 - 6217 ..... Mail Payment to: Please Pay By: 03/07/07 Total New Balance $ 1,180.91 Minimum Amount Due $986.07 • j Amount enclosed AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 1 viF147):.: -93 02 42 20 Corelnued on Page 3 Please enter account number on al checks and correspondence. Payable in US Dolars upon receipt with a bank in the US or money order, processable through the US banking system. To Pay by Phone, cal 1.800- l-PAY-AXP or 1-800-472-9297. Please refer to Page 5 en Hon to Avoid Additional Finance Charges. Check here if address or telephone number has changes. Note changes on reverse side. 0000371293895321000 000098607000105909 10rIrl EFTA01704610 DUPLICATE COPY P al Fa Page 2 of 10 Payments: Payments received after 12:00 noon may not be credited Lit the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system, or through an electronic payment method payable in US dollars and clearable through the US banking system. Your Account number must be included cn all payments. If payment does not conform to these requirements, crediting may be delayed and addtional Charges may be imposed. If we accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US dollars, unless a particular rate is required by law. Please do not send post-dated checks. They will be deposited upon receipt. Our acceptance of any payment marked with a restrictive legend will not operate as an accord and satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and oheck serial number to your financial institution, unless the check is not prooessatte elecironically or a less costly process is available. By submitting a check for payment, you authorize us to initiate an electronic debt from your bank or asset account. When we process your check electronically, your payment may be debited to your bank or asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your bank or asset account statement. If we cannot coiled the funds electronically we may issue a draft against your bank or asset account for the amount of the check Authorization for Electronic Payments: By using Pay By Computer, Pay By Phone or any other electronic payment service of ours_, you will be authorizing us to initiate an electronic debit to the financial account you specify in the amount you request. Payments received after 5:00 p.m. MST may not be credited until the next day. Allocation of Payments and Credits: Subted to aPPlicable law we apply and allocate payments between your Card Account and your Sign & Travel and/or Extended 'Payment Option Account (if that account has been activate (*Extended Payment Amount" (referred to as 'Account* in the Sign & Travel and/or Extended Payment Option Agreement and, within each of these accounts, to Charges in any order and manner determined by us in our sole &elation. In mosllllll cases, if you have a credit balance on your Card Account we win not y a allocate any part of that credt balance to any Extended Payment Account unless you contact us at a time the ore t alance exists and Instruct us in writing how you want us to apply that credit balance. Charge Card and Statement Information: The annual fee is $395.00 teethe Basic Card, $175.00 for up to three Additional Piafinum Cards onyour Account arid $175.00 for each Additional Platinum Card enyour Account after the first three. The annual fee is $45.00 for up to five Additional Gold Cards on your Account and $45.00 for each Additional Gold Card on your Account after the first five. You may dscartinue your membership by contacting Customer Service.Transactlons Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by applcatle law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the poor business day, In each Instance Increased by 2%. This conversion rate may differ from rates in effect on the date of ycur charge. Charges converted by establishments (Such as airlines) wire be billed at this rates such establishments use. Billing Rights Summary: in Case of Errors or Questions About Your Bill: II you think your bill is incorrect, or if you need more Mormation about a transaction on your bill, write us on a separate sheet of paper at the Customer Service address noted to the right. We must hew 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. Descnte 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 8f0 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 checking or savings 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 hay.e a problem with the quality of goads or services that you purchased with acredit card; andyou• have tried in good lath to correct the problem with the merthant, you may not have to p the remaning amount due on t he goods cc services. You have this protection only when the purchase price was more than and the purchase was made in • your home state or within 100 mies of your mailing address. (If we owner operate the merchant, or if we malted you the acfvenisement for the properly or services, all purchases am covered regardless of amount or location of the purchase.) Credit Balance: If a aedri balance (designated CR) is shown on this statement, it represents money owed to you. If YOU do not make sufficient charges against the credt balance or request a refund, we wit, 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 for the credit Or ance if the amount is $1.00 or more. Important Notice to North Dakota Residents: If the Account is past due for two rore bffing periods, a late payment fee ot 1.75% of past due amounts will be added. Change of Address I conch on Izo.nt do not Ube Street Address City. SW* Zp Code Area Code ant Horne Phu,. Ana Code and Work Phone Email KO:ono!) To Pay By Phone 1-800-472-9297 Customer Service and Lost or Stolen Card 1-800-525-3355 24 hours/7 days Car Rental Loss and Damage Insurance 1.800.338.1670 Hearing Impaired (9am•Sem EST) TTY: 1-800.221.9950 FAX: 1-800-695-9090 In NY: 1.800.522.1897 Large Print and Braille Statements 1-800.525.3355 Travel Emergency and Worldwide Personal Assistance and Fine Dining 1-800-345-AMEX Platinum Card Travel Service and Fine Hotels, Resorts & Spas 1-800-443-7672 By Invitation Only 1.800321-RSVP • Customer Service P.O. Box 7825 C.S Ft. Lauderdale, FL 333 .7825 Express Cash P.O. Box 297815 Ft. Lauderdale, FL 33329-7615 Payments P.O. BOX 2855 NEW YORK NY 10116-2855 • To change your address online, visit www.americanexpress.comtupdatecontactinfo • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black ink only in the boxes provided. I I ! I 1 1 1 1 1 1 Please provide your e-mail address to receive important j account updates and exclusive Cardmember offers and benefits. You mayvisit the American Express Privacy Statement at wvnv.arnericanexpress.com/privacy for moredetails and to set your email preferences. EFTA01704611 DUPLICATE COPY Pr ed Fer Aocourtt Nixrber COS.VIO C121, Page 3 or 10 02/10/07 Transactions Continued Amounts 01/13/07 VICTORIA SECRET 800-888-1500 OH 194.77 WOMEN APPAREUACCESSORY 01/17/07 ITUNES MUSIC STORE CUPERTINO CA 3.98 OOM'PUTEFVSOFTWARE 01/17/07 VICTORIA SECRET 800.888-1500 OH 10.97 WOMEN APPAREL/ACCESSORY 01/17/Or CAFE CLUMYS 80000018NEW YORK NY 62.00 089000031 2122330507 01118/07 VICTORIA SECRET 8004388-1500 OH 10.97 WOMEN APPAREL/ACCESSORY 01/18/07 VICTORIA SECRET 800-888-1500 OH 29.46 WOMEN APPAREL/ACCESSORY 01/18/07 BARNEYS NEW YORK NEW YORK NY 59.61 SALES 01/19/07 VICTORIA SECRET 800-888-1500 OH 10.97 WOMEN APPAREUACCESSORY 01/19/07 AMERICAN APPAREL-020NEW YORK NY RETAIL CGTFISSAA33682X1RIBUNECKTANKCRE SAARAARSASKLLOOPTERRYKNEELENGT 01/23/0r EQUINOX MOTO $113 212-881-0425 NY 160.00 002334772 2128810425 01/27/07 STAPLES CORPORATE MONTGOMERY NY 195.06 OFC SUPLY 916930.7854- 01/28/07 ITUNES MUSIC STORE CUPERTINO CA 3.98 COMPUTER/SOFTWARE 01/29/07 FRESH DIRECT 866-283.7374 NY 45.90 GROCERY 01/3407 BLOOMINGDALES NEW YORK NY 47.69 SHISEIDO 02/01/07 POLO RETAIL CORP NEW YORK NY 99.00 GENERAL MERCHANDISE 02/06/07 BLUE RIBBON SUSHI NEW YORK NY 40.53 FOOD-BEV FOOD-BEV 29.53 TIP 11.00 42.00 Total of Card Transactions New Charges Payments/Credlte 1,059.09 -1,507.72 Continued on reverse EFTA01704612 DUPLICATE COPY Ft v al For Page 4 0110 Flexible Payment Option Statement of Account Thank you for using Flexible Payment Option. Account Minimum Summary $ Payment $ Payment Due Date Previous Balance &891.53 20.00 03/07/07 Payments/Credts -5,252.77 FINANCE CHARGE 0.00 New Charges 1,576.08 New Balance 214.84 Finance Charge Balance(s) to Which Average Daily Annual Daily Period° Please refer to page 5 Schedule Rate Applies Balance Percentage Rate Rate for important information ALL $0.00 18.24 % .05C0% regarding your Sign & Travel and/or Extended Certain of the periodic rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Cioag Ca 02/10/07 • 3. Faeon Currey carafe= ran is bac ratnius 2%. Sa ono 2 fix *Ws. Card Activity for Fa,* SPordre M,ount$ 01/14/07 02108/07 01/24/07 COMPUTER PAYMENT RECEIVED THANK YOU COMPUTER PAYMENT RECEIVED -- THANK YOU wWW,P062.600 #E0464073030258969 REF CREDIT tioSs ($ 1739 08) 2,189.65 -1,000.00 -1,739.03 • 9 tEFCicOgiffiRSOWg • .`POLO RETAIL C7, _AP 21230135939 ip ($ 324 p1) -324.04 01/18/07 POLO RETAIL CORP NEW YORK NY APPAREUACCESSORIES 324.04 01/19/07 •POLO RETAIL CORPORATMANHASSET NY treilrrcARD 447.42 " 01/22/07 PARFUEMERIE DOUGLAS, MUENCHEN FEDERAL REPUBLIC OF GERMANY GOODS/SERVICES 220) "Eircpwin Unto Euo 29.13* 01/26/07 SEPHORA 159 CHAMP ELYSEES, PARIS FRANCE VOUS REMERCIE DE VOTRE VISITE I0600 - Etreptan 144.74 Unto aro 01/27/07 CANTALOUP LTD 0030 NEW YORK NY WOMEN'S CLOTHIN Description APPAREUACCESS 415.06 02/01/07 POLO RETAIL CORP NEW YORK NY GENERAL MERCHANDISE 215.67 Total of S&T and/or ExPO Activity New Charges 1,57848 Payments/Credits 4,252.77 ' Continued on mud page EFTA01704613 DUPLICATE COPY Pr accig Dale 02/10/07 Page 5 of 10 Important Sign & Travel and/or Extended Payment Option Information Finance Charge: To calculate the Finance Charge, we multiply the Daily Periodic Rate, by the Average Daily Balance for the tilling period. Then we multiply the product by the number of days in the billing period. To get the Average Daily Balance we take the beginning balance of the Extended Payment Option (-Account) each day, add any new Account Charges and accrued and unpaid Finance Charges and subtract any payments or credts. Then we add tip the daily balances for the billing period and divide by the number of days In the baling period. This gives us the Average Dirty Balance. This method of computation, of the Average Daily Balance results in compound interest. If in any 12 month period encIng with the Closing Date of the current bilkng period you were in default on your Account cr any other American Express Account, the APR applicable to your entire Account balance will be as dsclosed to you in your Cardmember Agreement and its supplement(s). Payments: Please see the payment information and instructions on Pape 2. Remember, your payment each month should be for at least the Minimum Amount Due or the Total Amount Due, whichever appears on the Card Account Statement. Either amount includes the Account Minimum Payment shown on the Account Statement and the balance due on your Card Account. If you want to pay more than the Minimum Payment ( up to the entire Account New Balance ) , make your payment for the larger amount and the excess wil be applied to your Account. How to avoid Additional Finance Charges: To avoid additional Finance Charges the Account New Balance must be paid in full by the Ciosin_g Date of the next billing period. American Express. Centurion Bank will not impose Finance Charges for Account Charges made in any billing period for which payment in full has been received on or before the Closing Date of the next billing period. Creditor: The Extended Payment Option and/or Sign & Travel s issued by American Express Centurion Bank. Billing Inquiries Customer Service 1.800-525.3355 (24 hours, toll free) Address American Egress Customer Service P.O. Box 297807 Ft. Lauderdale, FL 33329.7807 EFTA01704614 DUPLICATE COPY Page 6 of ' C EFTA01704615 Totals For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) wvnv.americanexpress.coriVrewards American Express Membership Rewards P.O. Box 297813 Ft. Lauderdae, FL 33329-9785 Membei:Airriigiaridsv Monthly Statement and Program News Statement Period January 1, 2007 - January 31, 2OO7 Account activity after this period does not appear on this statement Account Summary New Points Earned 01/01/07 - 01/31/07 Points we available when charges are paid in full and all your accounts we in good standing. Available points include Everyday Spend Points. Opening points balance 166,752 New points earned +5,565 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance =172,317 Available Points 172,317 Everyday Spend Points earned this period: 129 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 5,436 129 MO Schwarz InStore 2nats>S1OD 2782 5,436 5,565 129 5,565 Page 7 cf le A mer:car Expr. Earn Double Points for all your Everyday Spend - groceries, gas, pharmacy Membership Rewards points earned may be transferred or redeemed as lorg as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms and Donations In your Membership Rewards Guide. If you have questions, please visit www.americanexpress.comrrewards or call 1.800-AXP-EARN (297-3276). From overseas, call collect 305-816-2799. AMERICANA MANHASSET Shop Americana Manhasset Stores and Earn Double Points Earn double Membership Rewards® points for individual purchases of $250 or more at Americana Manhasset—a collection of over 50 fabulous stores, including Louis Vuitton, Gucci, Cartier, Prada, Fendi, Etro, Malandrino, Dolce & Gabbana, Mulberry, Dior, Tiffany & Co., Hermes, Giorgio Armani, David Yurman, HIrshlelfers, Ralph Lauren, and more. Ofer ward O3/10.O7-O3t01O7 for irebriduslinveslices of 5260 or mote al any Arnecitana Methane( an Nd esgbb be *nine pwohatee. To to ages b an bares pc:rts. you nett* caroled in [ha Mentes* Rewxds secgewn al be lime el pashas* and you must charge taa penises* on en olobb, seeded knetioan Dpreso. Cad. Bas poi* rod be aedeld Sower MiaCe NQ Berne& ddeOunt width Sa weeks ow chairs Deer on year balm defeenent. Boren 0: Slit Earn Double Points When You Subscribe to USA TODAY with an Enrolled American Express® Card Start your day off right with home or office delivery of USA TODAY and earn double Membership Rewards® points. USA TODAY delivers the news you need to know, when you need it, in a concise format to save you time. Enrich your life with exclusive stories only found in USA TODAY. Just 13 weeks for $42.25, 26 weeks for $84.50 or 52 weeks for $169.00. Offer sod 1117. 193 V07. woe is Alaska Lecal Oleo tat when appleat40 von be added to your order. To be dgiab b earn bonus Feints. you must be emoted in be kterriasnaip Rowse' pavan CPsegranD al the firma ol pats* and you rem charge you purthsse on a *be. en ested Arnerben Denude Card. Benue poets wil bo aedtod so your Program ascoars whin 10-12 weeks Met thugs *pew on pear biding Drool. Bonus 0:3228. Visit americanamanhasset. corn or call 1.800.818.6767 for a complete store listing and further information. (MR Bonus ID 6148) To earn, call 1.800.872-0001 and mention code 799 or visit usatodaysubscribe.comf mrpoints. (MR Bonus ID 3228) Continued on reverse Offers are made only to Cardmemhers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704616 ICATE COPY American Expresso r ME IA nt03/IIP Ail • r IEll Page 8 of 10 BANG &OLUFSEN blanmingOalgs Bostorle Flying Blue T.t, Am PRANCE —inns HAWAIIAN RES.-- Redeem for Bang & Olufson Stereo Headphones • 12,500 Points Designed to adjust to the shape of your head, while producing authentic sound reproduction, Bang & Olufson headphones allow you to enjoy loud music without anyone else listening in. With a weight of only 2.4 ounces, they are designed for complete freedom for listening to music, without compromising sound quality. Redeem for this and other great electronics products only from American Express. (Reward Code: RY2967, Points: 12,500). TOMO ord COrCIO0n$ of the, Otontorshp Pawora>e PrO3rorn atf•tr. With Bloomingdale's, Membership Rewards® Points are More Fashionable When you use your eligible, enrolled American Express@ Card*, you can redeem points for Bloomingdale's gift cards" that are valid at all Bloomingdale's stores and on bloomingdales.com. For a Bloomingdale's near you, visit bloomingdales.com or call 1-800-555-SHOP (555-7467). 'Sara Cada aqua avottnet ad payment of or, ONUS rroaram TOMS, eccdtes and rent p*ty. "Parma and caxViona nap** to get oats. Earn 2x Points on a Subscription to Boston Magazine Subscribe to Boston magazine today and you can receive the best of Boston and the suburbs with every issue. From some of the top doctors to restaurants, neighborhoods, upcoming entertainment and getaways in the surrounding Boston area, your subscription will give you Boston all year long. Plus, you can earn 2x Membership Rewards& points on the subscription price. Yoil bcalcomaaaanaraniaairra to stake. Mar v.Sd through 12O1/07, To earn balm pa rt. you must boor/at* h too Members* Rewards Programa/Ma lino la Path= mot rtflratz "IP to a3 Liptak ended Amerhan Damara Cad. Sono pant wit to nodded to yam Moashia Retort "awl 6-8 weOks attaCIWE4 qi, cor on yaw Mire stalanni Ports a:7915. • . . Now You Can Transfer Points to AirFrance KLM's Flying Blue Program Transfer points to Air France KLM's Flying Blue program and book a weekend trip to Paris with nonstop flights from Air France. Renowned for its exceptional in-flight services, Air France flies to more than 1889 destinations in over 80 countries, with extensive European coverage. Take a trip to Paris, Athens, Amsterdam, Geneva, Zurich or Istanbul via Air France KLM. Tana and cad; to ol the Matrbarahlp Ravaida• program apply. Foe mom Idanaacet slat marbothhronrch corn. Dom .Stela we not indulad. Tomo red oorolfora d to Ptrirg lorgoro *PTY. Fly with Hawaiian Airlines Hawaii starts with Hawaiian Airlines offering daily nonstop flights to the islands from nine western U.S. gateways. Enjoy award-winning service Including complimentary meals on all flights. Tama and con:Sims* to Marnbartap PahraGatcgtain oWe. For mom illiCODZIOn. ail awardscan. Irani:hal* ear* ratiacco may and/. Dan IS otter has are not imitate!. To redeem, visit membershiprewards. com/StereoHeadphones or call 1-800-AXP-EARN (297-3276) by March 15, 2007. (MR Message 8379) To start redeeming Membership Rewards points today, log on to membershiprewards. corn cr call 1.800-AXP-EARN (297-3276) (MR Message 8278) Subscribe to Boston today at bostonmagazine.comf points and earn double pants, when you use your enrolled American Express Card! (MR Bonus ID 7915) To preview this reward and to redeem points, visit membership rewards.com or call 1.800-AXP-EARN (297-3276) (MR Message 9408) To preview this reward art to redeem points, visit membership rewards.com or call 1-800-AXP-EARN (297-3276). (MR Message 4351) 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. EFTA01704617 DUPLICATE COPY Pr •M Ft( CustomExtras. #0 1" Aancurt niter Closinj 02/10/07 Page 9 of 10 Platinum Travel Service Enjoy exclusive access to a unique travel resource: Platinum Travel Service, a full-service American Expresso Travel agency available exclusively to Platinum Cards members any hour of the day and night-7 days a week, 365 days a year. You'll find experienced travel specialists with a wealth of worldwide knowledge about exciting destinations and vacation options. CAMILMtIkki 80/EMS American Exixess Travel Related Services Company, Inc. acts solely as sales agent for travel suppliers and is not liable for the acts cr inactions of such suppliers. CST# 1022318-10, Washington USIA 600-469-694, ML-1192, TA-002 Registered Iowa Travel Agency, NW 2001-0126. Call Platinum Travel Service today at 1.800.443.7672. (CE 108550) Collect the World's Experiences The Luxury Collections' is an exquisite ensemble of hotels and resorts that spans twenty-five countries. From the luminous Hotel Danieli in Venice, to The Phoenician in Arizona, The Luxury Collection immerses guests in their destination's most gracious customs and breathtaking landscapes. The Explore Package for American Expresso Cardmembers includes guest room, full American breakfast daily for two and a guaranteed 4pm late check out. Offer valid at participating hotels for stays consumed by 12/31/07 and paid for with any American Express Card. For complete terms and conditions, visit luxurycollection.conVexplore. Via LuxuryCollectIon.com/ Explore, or call 1-800-325-3589 and ask for promotional code AXO. (CE 108549) Visit Enchanting India Stay 3 Nights • Get the 4th Free Stay for 3 nights in a club suite or suite from 5/1/07-9/30/07 at the Taj Mahal New Delhi or Taj Lake Palace and get the 4th night free. And when booking with Platinum Trave Service you will also receive your regular Fine Hotels & Resorts amenities which include: room upgrade upon availability, 4prn late check-out, daily Continental breakfast for 2, and your Taj Hotel amenity, a luich or dinner for 2, excluding alcohol, takes and gratuities. Terms and corditions apply. For full program information, visit americanexpress.com/fhr and search 'Teri". Call PTS by 9/26/07 at 1-800-443-7672. Mention Promo ID: E1320060. (CE 108551) Great News! You've Been Awarded a 8100 VIP Thank You Visit the American Express Redemption Center today and enjoy a $100 gift value. Select your favorite brand-name merchandise, magazines and software, each has a low redemption fee of $2.95 per item. Your VIP access expires on 04/15/07, so redeem your $100 Thank You now at giftcard100.com/amex and use VIP Access Code: 29881. Redeem your VIP Thank You worth up to $100.00. Visit us before 04/15/07. VIP Access Code: 29881. Redeem your VIP Thank You now! (CE 108553) Now Accepting American Express® Cards! Hotel Mela - At-home sophistication. New luxury boutique hotel in Times Square's Theatre District, 120 West 44th Street, New York, NY. 212-710-7000 or hotelmela.com. Bo Concept - The Danish purveyor of urban, affordable, modem furniture and home furnishings has a new location in SoHo at 69 Greene Street, NY. 212-966-8188. Smith Cairns - Ford, Lincoln-Mercury, Mazda, Subaru, Jeep, Chevrolet and Cadillac in Yonkers, White Plains, Mount Kisco and Brewster, NY. 914-377-8100 or smithcairns.com. If there are other places where you would Eke to see the Card accepted, please call the Customer Service number that is located at the lop of your statement or the number that is on the back of your Card. (CE 108484) 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. EFTA01704618 DUPLICATE COPY Pr od For Page 10 of 10 Exclusive Travel Insurance Services for Your Next Getaway Worry about what you're wearing on the plane--not about your travel insurance. For added peace of mind about your vacation plans, enroll in travel insurance products exclusively for American Expresso Cardmembers. INSURAUCE Select the coverage that best suits your needs: Automatic Flight Insurance, Premium Baggage Protection, Travel Delay Protection, and Premium Car Rental Protection. These products are underwritten by AMEX Assurance Company, Administrative Office, De Pere. WI. Coverage 5 determ.ned by the terms, conditions, and exclusions of the Policies and is subject to change with notice. To enroll or to learn more, visit us at americanexpnsss.com/ Us. (CE 108545) Receive Savings on Broadway and Off-Broadway Shows Treat yourself to a night on the town with savings on some of the biggest shows like Avenue 0, Company and Les Miserable, or experience the excitement of today's big hits, like Mamma Mial, Spring Awakening and The Little Dog Laughed. From comedies to dramas and musicals, it's easy to make any night a special occasion--with just a few simple clicks. From January 1 to March 4, 2007, you can save up to 60% on many popular Broadway and Off-Broadway shows. Simply purchase your tickets using any American Expresso Card at telecharge.com/AXP20078. (CE 108523) Join Us at the Long Island Culture & Wine WINTERFEST The Long Island Culture & Wine WINTERFEST is your chance to experience the beauty and culture of the East End of Long Island, %WM ISLANTD. New York during the Winter season. CULTURE & WINE '341INTERFEST: • The WINTERFEST has a wide range of events taking place from January 19th-March 25th throughout the East End area. Concerts, historic tours, dance and art exhibits are made all the sweeter when combined with unique offers made to you by famous restaurants, hotels, bed & breakfasts, wineries and local shops. Join us at the 2007 WINTERFEST and see the East End of Long Island as you've never before seen it. Visit Ilwintertestnetr 2.html for details and a listing of events and offers. (CE 108576) Great Ski Resort Offers at My Ski Vacation Visit My Ski Vacation at mylifemycard.com/ski for great ski resort offers exclusively for American Expresso Cardmembers. Whether you want to ski the moguls in Vermont or cruise the powder in Colorado, we have valuable offers to help you travel to your favorite resorts for an incredible ski vacation. Visit mylltemycard.comrsld for great ski resort offers. (CE 108581) Reward Yourself with USA TODAY for as Low as $0.56 Per Day Start your day off right with home or office delivery of USA TODAY. USA TODAY delivers the news you need to know, when you need it, in a concise format to save you time. Enrich your life with exclusive stories only found in USA TODAY. Just 13 weeks for $45.50, 26 weeks for $81.00 or 52 weeks for $146.00. -UFA PODAY Only American Express.' Cards we accepted. Void in Alaska. Local sales tax when applicable will be added to your order. Savings calculated against the newsstand price of $0.75 per copy. To redeem, call 1-800-872-0001 and mention code 217 or visit us at usatodaysubscribe.corn (CE 108578) 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. EFTA01704619 Pt • F Due in Full Flexible Total DUPLICATE COPY Platinum Card® Statement of Account Palmed& 03/09/07 MwActsay Pr MOO Wien* $ Pemen! .t Falsng Mme8.1WM$ 966.07 -966.07 +903.58 +214.84 -214.84 +1,117.86 1,180.91 -1,180.91 +2,021.44 903.58 +1,117.86 =2,021.44 17.2i31kv; 7 tat MgMbejahiiiitk.W4ielO, Points Available 17 v+hen thaMesdfie'oie Paid it ell iabcountaire in good standIng:. Page 1 of 10 Minimum Payment Due Date Amount Due S 04/03/07 +903.58 +2a00 .925.58 Please refer to page 4 for important information regardng your account See Page 5 For A Notice Of Changes To Your Agreement See Page 8 For A Notice Of Changes To Your Membership Rewards Program Account See Page 9 For An Important Privacy Notice For assistance or questions about your account, contact us at www.americanexpress.com or call Customer Service at 1-800-525-3355. Activity • tchula pat:id,* Amount $ 02/13/07 POLO RETAIL CORP NEW YORK APPAREUACCESSORIES NY 172.32 02/13/07 POLO RETAIL CORP NEW YORK NY GENERAL MERCHANDISE 67.73 02/15/07 MTA MVM*68TH ST/ HU212•METROCARD NY 2126387622 20.00 02/17/07 SAPA NEW YORK NY RESTAURANT FOODEEVERAGE 11P 49.86 10.00 59.88 02/19/07 BARNEYS NEW YORK NEW YORK NY SALES Nemo !oil en the pArkyoaon below. &Itch and teiurn wits 'our payrrwt Payment Coupon NEW YORK NY 10021-6217 1.1.11111.111 ..... Mail Payment to: Payment Due Date: 04/03/07 Total New Balance $ Z021.44 Minimum Amount Due $925.58 I • Amount enclosed AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 ImIllIm...11..,11,11....1.11..1.,1,1,,I,11.1,.1.1millil 130.05 Continued on Page 3 Please enter account number on al: checks and correspondence. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed cn Features. Check here It address or telephone number has changed. Pease note changes on reverse side. 000202144000092558 08 ri EFTA01704620 DUPLICATE COPY sera Page 2 of 10 Payments: Payments received after 12:00 noon may not be credited until the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiable instrument peyable in US dollars and clearable through the US banking system, or through an electronic payment method payable in US dollars and clearable through the US banking system. Your Account number must be included on all payments. If payment does net conform to these requirements, crediting may be delayed and additional Charges may be imposed. If we accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment :No US dollars, unless a particular rate is required by law. Please do not send post-dated checks. They will be deposited upon receipt. Our acceptance of any payment marked with a restrictive legend will not operate as an accord and satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and chock serial number to your financial Matt/ton, unless the check is not processabte electronically or a less costly process is available. By submitting acheck for payment, you authorize us to initiate an electronic debit from your bank or asset account. When we process your check electronically, your payment may be debited to your bank or asset account as soon as the same day we receive your check, and you will not receive that canceled check with your bank or asset account statement. If we cannot collect the funds electronically we may issue a draft against your bank or asset account for the amount of the check Authorization for Electronic Payments: By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you will be authorizing us to initiate an electronic debit to the financial account you specify in the amount you request. Payments received after 5:00 p.m. MST may not be credted until the next day. Allocation of Paments and Credits: Subject to applicable law, we will apply and albcate payments and credits among Features and Crges on your Account in any order and manner determined by us in our sob discretion. Finance Charges: Average Daily Balance (ADB) Method for Calculation of Finance Charges (FC): We use the ADB Method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying the Daily Periodic Rate (DPR) to the ADS (as described below) for each Feature (inducing current transactions). Different daily periodic rates may be applied to separate Feature balances. To get the ADBfor each feature, we (1) take the begirn no balance for each day (incbdrig unpaid FC from previous billing periods) (2) add any new transactions, debits, or fees, (3) subtract any payments or °cede, and (4) make any appropriate adjustments. For each day after the first day of the billing period, we also add an amount of interest equal to the previous day's daily balance multiplied by the DPR for the Feature. This gives us the daily balance for the Feature for that day and the beginning balance for that Feature for the next day. If this balance is negative, it is considered to be zero. Then, we add km a the daily balances for the Feature for the biting period and dvide the total by the number of days in the tilling period. This gives us the ADB for the Feature. If you pay the New Balance on this statement by the next Closing Date, then you will avoid additional FC on features included in this New Balance. If you multiply the ADB for each Feature by the number of days In the tolling period and the DPR 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 addng the FC assessed on all Features of the Account. This method of calculating the ADS and FC results in daily compounding of FC. Transactions Made in Foreign Currencies: If you incur a Charge in a breign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversionrate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (s) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the poor business day, in each Instance Increased by 2%. This conversion rate maydiffer from rates in effect on the date of your charge. Charges converted by establishments (such as airlines) will be baled at the rates such establishments use. Billing Rights Summary: In Case of Errors or Ouestions About Your BIII: If you think your bill is incorrect, or if you need more information aWut atransaction on your bit, write us on a separate sheet of paper at the Custcmer Service 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. Ycu can telephone us at the number indicatedon the front of thestatement, 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 arc still obligated to pay the parts of your bill that are not in question. White we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have auftbrized us to pay your bill automaticaly from your checking or savings account, you can slop the payment on anyamount 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 gooth 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 purchasepricewas more than 550 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 covered regardess of amount or location of the purchase.) Credit Balance: If a credit balance. (designated CR) is shown on this statement, it represents money owed to you. 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 rust statement indicating the credit balance, issue a check to you for the credit balance if the amount is $1.00 Or more. 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 corrector front do not use Sten Address ely. Sale Zp Core Ansa Gale and Have Phan* Ana Cods and %Yak Phone Emu Optioned To Pay By Mors 1.800.472.9297 Customer Service and Lost or Stolen Card 1.800.525.3355 24 hours/7 days Car Rental LOSS and Damage Insurance 1-800-338-1670 Hearing Impaired (Sam-Spm EST) TTY: 1-800-221.9950 FAX: 1.800.695.9090 In NY: 1.800-522-1897 Large Print and Braille Statements 1-800-525-3355 Travel Emergency and Worldwide Personal Assistance and Fine Dining 1.800345-AMEX Platinum Card Travel Service and Fine Hotels, Resorts & s 1-800-443-7672 By Invitaticm Only 1-800-321-RSVP • Customer Service P.O. Box 7825 C.S Ft. Lauderdale, FL 33329-7825 Express Cash P.O. Box 297815 Ft. Lauderdale, FL 33329-7815 Payments P.O. BOX 2855 NEW YORK NY 10116.2855 • To change your address online, visit wvny.americanexpress.com/updatecontactinfo • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black Ink only in the boxes provided. LL I I j Please provide your e-mail address to receive important j account updates and exclusive Cardmember offers and benefits. You may visit the American Express Privacy Statement at www.americanexpress.com/privacy for more details and toset your email preferences. EFTA01704621 DUPLICATE COPY Pr ved Fe. CI-setae's< 03/09/07 Page 3 of 10 Due in Full continued Amounts 02/20/07 TANI NEW YORK NY RETAIL FWBCJCAMPCHELSEARUSCHELSEARUBBERUJ ROC No. 0000005793 19.99 02/20/07 GAP 80711fl-HE GAP IONEW YORK MEN'S/WOMEN'S CLOTHNG NY 130.49 02/21/07 BARNEYS NEW YORK NEW YORK SALES NY 84.53 02/22/07 TASCA NEW YORK NY EATING PLACES AND RESTA FOOD/BEV TIP 20.00. 20.00 02/23/07 EQUINOX MOTO 8113 212-881.0425 2128810425 NY 160.00 03/08/07 VICTORIA SECRET 800-8884500 WOMEN APPAREUACCESSORY OH 29.47 03/08/07 VICTORIA SECRET 800.888-1500 WOMEN APPAREL/ACCESSORY OH 9.14 Total Due in Full Activity 903.58 Flexible Payment Summary Previous Balance Payment Activity FINANCE CHARGE Now Charges/P.djustments 214.84 -214 84 0.00 1117.86 New Balance 1117.86 Flexible Payment Activity Includes any Sign & Travel. activity - for all charges equal to or above your selected threshold, and/or any transferred charges. 02/14/07 STUBBS & WOOTTON WEST PALM BEA FL SHOE STORE SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 02/17/07 OK CIGARS NEW YORK NY CIGAR STORE & STAND SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 323.00 2C0.95 02/28/07 POLO RETAIL CORP NEW YORK NY APPAREUACCESSORIES SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 593.90 Total of Flexible Payment Activity 1,117.86 Finance Charge Schedule Billirg days this penod: 28 Balance to which rate apples Sign & Travel Sign & TraveVExPO Average Daily Balance $ Daily Annual Periodic Rate Percentage Rate New Balance $ FINANCE CHARGE $ 0.00 0.00 0.0500% 18.24% 0.0500% 18.24% 0.00 1,117.86 0.00 0.00 0.00 Certain of the periodic rates and APRs above may be variaNe. Those rates may vary based upon the prime rate identified in the Wall Street Journal, es described in your Cardmember Agreement as currently in effect. Contiraed on reverse EFTA01704622 DUPLICATE COPY Page 4 of 10 Important Notice Information on Flexible Payment Features You may have access to one or more Flexible Payment Features as part of your Card account. The current Annual Percentage Rates (APRs) and Daily Periodic Rates (DPRs) for the Flexible Payment Features are as follows: For San & Travel*, the APR is 18.24%, the DPR is ammo For Sign & Travels, the APR is 18.24%, the DPR is 0.0500% For Edended Payment Option (ExPO), the APR is 18.24%, the DPR is 0.0500% Please refer to page 2 for further important information regarding your account EFTA01704623 DUPLICATE COPY Put Irr.i t"-t coo, ox. Page 5 of 10 03/09/07 Notice of Changes to Your Agreement We are malting Important Changes to your American Express Cardmember Agreement ("Agreement") governing the American ExpreSs° Card Account identified on this Notice. These changes become effective on the dates indicated below, whether or not you receive a billing statement This Notice formally amends your 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 (includilg increasing APRs/DPRs and fees, changing fixed APRs/DPRs to variable APRs/DPRs, and adding new terms) In accordance with the Agreement governing your Account. All terms of the Agreement not amended herein remain in full force and effect. This is an important Notice of changes to your Agreement. You should carefully review these changes, share them with any Additional Cardmembers on your Account, and then keep 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. Annual Foos We are changing the annual fee for your Basic Card to $450 per year. This new fee will be effective for annual fees billed to your Account on or after May 1, 2007. Accordingly, effective May 1, 2007, the tint sentence of the Annual Fees section of your Agreement is deleted and replaced with the following: 'We will bill to your Account an annual fee of 5450 for the Basic Card, $175 for up to three Additional Platinum Cards on your Account, and $175 for each Additional Platinum Card after the first three." Late Fees We we increasing the late fees that may be assessed on your Account. These new fees will be effective for late fees charged to your Account on or after June 1, 2007. Accordingly, effective June 1, 2007, the Late Fees section of your Agreement is deleted and replaced with the folcwing: 'Late Fees If payment of any portion of the Amount Due on a billing statement is not credited to your Account by the Closing Date of the second of the next two consecutive billing periods, we may assess a fee in that same billing period of the greater of $35 or 2.99% of the total Amount Due that was not credited to your Account by that Closing Date (Iowa $15). If payment of the total Amount Due is not credited to your Account by successive Closing Dates, we may assess a fee equal to the greater of $35 or 2.99% of the total Amount Due that remains not credited by each successive Closing Date (Iowa $15).' Status of and Responsibility for Additional Cardmembers Effective May 1, 2007, the following sentence is added to the end of the Status of and Responsibility for Additional Cardmembers section of your Agreement: 'You agree to notify each Additional Cardmember that Additional Cardmembers are subject to all applbabre provisions of this Agreement" Authorization for Electronic Debit to Your Checking Account Effective May 1, 2007, the Authorization for Electronic Debit to Your Checking Account section of your Agreement is deleted and replaced with the following: 'Authorization for Electronic Debit to Your Checking Account Wnen you provide a check as payment, you authorize us to use inbrmation from your cheek to make an electronic fund transfer from your account or to process the payment as a check transaction. If we process your check electronically, funds may be withdrawn from your bank or asset account as soon as the same day we receive your check. Also, if we process your check electronically, you will not receive that cancelled check with your bank or asset account statement.' 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, including Express Cash transactions, or electronic payments you make to American Express using Pay By Phone, Pay By Computer, or any other American Express electronic payment service. kr 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. Alternatively, you may write to us at American Express Travel Related Services Company, Inc., Electronic Funds Services, P.O. Box 297815, Ft. Lauderdale, FL 33329-7815, or e-mail us by clicking on the Customer Service link online at www.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) Your name and account number. (2) Description of the error or the transfer you are unsure about. Explain as clearly as you can why you believe it is an error or why you need more information. (3) The date and dollar amount of the suspected error. If you notify us by phone, 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 to do this, 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 ce 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. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our Investigation. If we decide that there was no era% we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Regarding the American Express Card Baggage Insurance Plan We we increasing baggage insurance coverage of the American Express Card Baggage Insurance Plan. This coverage will be in effect for any claim incurred on or after May 1, 2007. Effective May 1, 2007, this rider forms a part of the Description of Coverage for the Baggage Insurance Plan. American Express Card Baggage Insurance Plan, Description of Coverage Rider under Master Group Policy No. AX0400. S0337 BP/MUFY103/0307 EFTA01704624 DUPLICATE COPY rc. Page 6 of 10 Additional Information for Platinum and Centurion Cardmembers Benefit limits for checked and carry-on baggage are hereby amended throughout the Description of Coverage for American Express Platinum and Centurion Cardmembers. This amendment is hereby made part of the Description of Coverage as described below. A combined maximum up to $3,000 for carry-on and checked baggage. The maximum benefit for checked baggage per Eligible Person per Covered Trip is $2,000, in excess of checked baggage coverage provided by Common Carriers. Benefits for carry-on and checked baggage under this Plan are limited to a $3.003 maximum per Eligible Person per Covered Trip. In all other respects, the provisions and conditions of the Description of Coverage remain the same. In Witness Whereof, We have caused this Policy to be signed by Our officers. Kenneth J. Ciak Paul P. Johnston President Secretary AMEX Assurance Company AMEX Assurance Company BI-RDR1 10/06 Regarding The Event Ticket Protection Plan Effective May 1, 2007. the rider below forms a part of the Description of Coverage for the Event Ticket Protection Plan for residents of Louisiana: Important Information regarding benefit changes for Louisiana residents: AMEX ASSURANCE COMPANY Administrative Office: 3500 Packeriand Drive, De Pere, WI 54115 For residents of Louisiana, the Event Ticket Protection Plan Description of Coverage to which this rider is attached is amended to include the bold Italicized language as follows: The Right of Pecovery section is hereby removed and replaced with the following which is added and made pert of the Description of Coverage: Right of Recovery: if We make any payments under this Plan and the Ticketholder has the right to recover damages from another, We shall be subrogated to that right. However, Our right to recover is subordinate to the Tlcketholder's right to be fully compensated There are no other changes to the Description of Coverage. By: Kenneth J. Ciak, President Paul R. Johnston, Secretary- ETP•RDR1-LA-10/06 Effective May 1, 2007, all of the text of the rider to the Description of Coverago for tho Event Ticket Protection Plan entitled important information regarding benefit changes for Missouri residents:" is deleted and replaced with the following, except for the lirst sentence of that rider which remains unchanged: important information regarding benefit changes for Missouri residents: AMEX ASSURANCE COMPANY Administrative Office: 480 Pilgrim Way, Suite 1400. Green Bay. WI 54304 For residents of Missouri. the Event Ticket Protection Plan Description of Coverage to which this rider is attached is amended to include the bold italicized language as follows: Notice of Claim: Notice of claim should be provided to Us within 30 days of the loss however, no claim will be denied based upon the insured's failure to provide notice within such specified time, unless this failure operates to prejudice the rights of the insurer. You may contact us by phone by calling toll-free stateside 1-8004264991 or, if from overseas, by calling coNect 1.303-2736498. You may also write to us at Event Ticket Protection Plan. PO Box 402, Golden, CO 80402. General Provisions Legal Actions - No legal action may be brought to recover against this Plan within 60 days after initial written proof of loss has been received by Us. No such action may be brought after ten years from the tine written proof of loss is required to be given. if a time limit of this Plan is less than allowed by the laws of the state where You live, the limit Is extended to meet the minimum tine allowed by such law. Questions - For questions on this Policy, please contact Client Service at 1-800-620-4991. There are no other changes to the Description of Coverage. By: Kenneth J. Ciak, President Paul R. Johnston, Secretary ETP-RDR1-MO 09106 Effective May 1, 2007, the rider to the Description of Coverage for the Event Ticket Protection Plan entitled "Important information regarding benefit changes for Vermont residents:" is deleted in Its entirety and replaced with the following: Important information regarding benefit changes for Vermont residents: AMEX ASSURANCE COMPANY Administrative Office: 480 Pilgrim Way, Suite 1400, Green Bay, WI 54304 For residents of Vermont, the Event Ticket Protection Plan Description of Coverage to which this rider is attached is amended to include the bold italkizedlanguage as follows: important Additional Information For You AMEX Assurance Company may cancel this Plan at any time by sending a written notice of cancellation accompanied by tho reason for cancellation at least forty-five (45) days in advance to You at Your last known address. Termination or Cancellation: 2. the date We determine that misrepresentation, non-disclosure or fraud In enrollment or claims presentation has occurred; Under this circumstance, We will provide 45 days advance written notice of cancellation; 6. The S0337 BP/MUFYI03/0307 EFTA01704625 DUPLICATE COPY etccimg bato 03/09/07 Page 7 of 10 end of the period for which required premiums are due but not paid. Under this circumstance, We will provide 15 days advance written notice of cancellation accompanied by the reason for cancellation to You at Your last known address. There are no other changes to the Description of Coverage. By: Kenneth J. Ciak, President Paul R. Johnston, Secretary ETP•RDR I -VT 09/06 Effective May 1, 2007, the rider below forms a part of the Description of Coverage for the Event Ticket Protection Pan for residents of Washington: Important information regarding benefit changes for Washington residents: AMEX ASSURANCE COMPANY Administrative Office: 3500 Packerland Drive, De Pere, WI 54115 For residents of Washington, the Event Ticket Protection Plan Description of Coverage to which this rider is attached is amended to include the bold italicized language as follows: The first paragraph of the "Exclusions' secton is deleted and replaced with the following: Exclusions: We will not pay for loss caused by any of the excluded events described below. Loss will be considered to have been caused by on excluded event if the occurrence of that event directly and solely results in loss, or initiates a sequence of events that results in loss, regardless of the nature of any intermediate or final event in that sequence. The Description of Coverage provision of the "General Provisions' section is deleted and replaced with the following: General Provisions Description of Coverage: Any conflict with the terms of the Description of Coverage will be decided by looking at the intent of the Description of Coverage provided to You. A copy of the Group Insurance Master Policy will be maintained and kept by the Master Policyholder and may be examined at any time. The second point in the Termination or Cancellation provision of the 'General Provisions" section is deleted and replaced with the following: General Provisions Termination or Cancellation: 2. the date We determine that You or someone on Your behalf Intentionally misrepresented or fraud occurred,• The last paragraph of the Termination or Cancellation provision of the "General Provisions' section is deleted and replaced with the following: General Provisions Termination or Cancellation: The Company has the right to cancel the Policy at any time by sending a written notice at least 45 days in advance to You at Your last known address. The notice will include the reason for cancellation. The second and third paragraphs of the important Additional Information For You' section are deleted and replaced with the following: Important Additional Information For You AMEX Assurance Company may cancel this Plan at any time by sending a written notice at least forty-five (45) days in advance to You at Your last known address. The notice will Include the reason for cancellation. The Event Ticket Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. The Plan may be changed or cancelled at any time with notice. The notice will Include the reason for cancellation. There are no other changes to the Description of Coverage. By: Kenneth J. Ciak, President Paul R. Johnston, Secretary ETP•RDR1•WA.09/06 S0337 BP/MUFYI03/0307 EFTA01704626 DUPLICATE COPY al For Page 8 of 10 Notice of Changes to Membership Rewards We are making Important Changes to the Membership Rewards° program associated with your American Express° Card Account identified on this Notice. We recommend that you carefully review these changes and then keep this Notice for future reference. It you have any questions, please call Membership Rewards at 1.800•AXP-EARN. Membership Rewards Effective July 3, 2037, your Membership Rewards° program account will be upgraded to a Membership Rewards Firstsm program account. Accordingly, your Card(s) will be enrolled in the Membership Rewards First program and will no longer be eligible for enrollment in the Membership Rewards program. Enrollment in the Membership Rewards First program is a complimentary benefit of the Platinum Card*, Ameriprise Platinum Card, Ameriprise Platinum Financial Services Card, Fidelity American Express Platinum Card, Centurion° Card, Business Platinum Card, Business Centurion Card or Corporate Platinum Card account. The number of points you have accrued in your program account will be unaffected by this change. Points Advance Effective July 3, 2007, the Points Advance feature will become available. Through a Points Advance, eligible Cardmombers may obtain and use points in advance of accruing them in their program accounts. Accordingly, on that date the following new section is added to the program Terms & Conditions: "Points Advance 1. Through a Points Advance, you may obtain and use up to 60,000 points in advance of accruing them In your program account. You may request a Points Advance only In connection with a conversion of points to a participating Frequent Customer Program or redemption of points for a reward. You may obtain a Points Advance only for your own program account We may decline any request for a Points Advance. 2. Linked Accounts or Cards that are eligible to obtain Points Advance are referred to in this section as 'Points Advance•eligible Linked Accounts? Corporate Cardmembers and Additional Business Cardmembers having only those Cards enrolled in the program are not eligible to obtain a Points Advance. You must have had a Card account for at least 6 months, and all of your Linked Accounts must be in good standing. to obtain a Points Advance. 3. You may not obtain a Points Advance in connection with the following transactions: payment of the federal excise tax fee disclosed in paragraph 2 of the Frequent Customer Programs section of these Terms & Conditions; a Redemption for Cash; transactions which may be paid with a point redemption, including Pay with Points and Shop Amex transactions; and any redemption for a reward subject to the Hotel Properties, Cruises and Vacation Packages section of these Terms & Conditions. We may advise you of additional ineligible transactions at the time you seek a Points Advance. 4. You may obtain a Points Advance only if you have insufficient points in your program account for your desired conversion or redemption transaction. The number of points you may obtain in a Points Advance is equal to the difference between the number of points required for your desired conversion or redemption transaction and the number of points you have accrued in your program account, up to your Points Advance limit. You may obtain more than one Points Advance, provided that the total of your outstanding Points Advances may never exceed 60,000 points. If you wish 'to accomplish a redemption or conversion transaction using a Purchase:Points transaction and/or reinstated points together with a Pants Advance, you must complete the Purchase Points transaction and/or the point reinstatement before you request a Points Advance. 5. You must accrue points in your program account in an amount equal to a Points Advance within 12 months of the date that you received that Points Advance. Any portion of a Points Advance for which you have not accrued points within that period will be charged to a Points Advance•eligible Linked Account of yours at the rate charged for a Purchase Points transaction on the date that you received the Points Advance. Please remember that there is a delay between when you make eligible charges on a Linked Account and when you accrue points attributable to those charges in your program account. Points which accrue in your program account after a Points Advance maturity date will not apply toward satisfaction of that Points Advance, even if the charges for which those points accrue were made prior to that maturity date. If you have more than one Points Advance outstanding, points accrued in your program account will be applied first towards the oldest outstanding Points Advance. 6. If you return a reward for which you redeemed using points obtained through a Points Advance, the points you are credited in connection with that return will be applied first towards that Points Advance. If you have already accrued pants In an amount equal to that Points Advance, then the points you we credited will be applied toward your oldest outstanding Points Advance, if any. Otherwise, the points will be credited to your program account. 7. If you have an outstanding Points Advance at the time that your enrollment in the program Is canceled for any reason or that all of your Points Advance•eligible Linked Accounts are cancelled for any reason, the portion of that Points Advance for which you have not accrued points will be charged to a Points Advance•eligible Linked Account of yours at the rate charged for a Purchase Points transaction on the date that you received the Points Advance. You will be charged for the unsatisfied portion of the Points Advance even if you stil have Linked Accounts or Cards that are not Points Advance•eligible Linked Accounts. 8. You may be offered promotional opportunities to earn bonus points. There may be a delay between when you engage in the activity qualifying you to receive bonus points and when the bonus points are credited to your program account. Bonus points which we credited to your program account after a Points Advance maturity date will not apply toward satisfaction of that Points Advance, even If you engaged In the activity qualifying you to receive the bonus points prior to that maturity date." Membership Rewards Excise Tax Fee Increase Effective May 1, 2007 we are increasing the excise tax fee charged to your account for converting Membership Rewards points into a Frequent Flyer program of a US airline to $0.0005 per point, and we are increasing to $75 the maximum fee that will be charged. Accordingly, a new second sentence is added to the second paragraph of the Frequent Customer Programs section of the Membership Rewards Terms & Conditions as follows: "Effective May 1, 2007, for each conversion of points into the Frequent Flyer program of a US airline, a fee of $0.0005 per point, with a maximum fee of $75, will be charged to your Card account." M6137 BP/MU/MR61/0307 EFTA01704627 DUPLICATE COPY P td Fes make Dee 03/09/07 Page 9 of 10 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 from American ExpressSM. 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 are called "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 AffiUates 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 our 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 qualcations established for the otter. Your Choice: You may opt out from receiving these offers by calling us at 800-297-8378 or by fiUing 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 choices for other 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. 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 LI Do not use Cardmember Information to send me offers for products and services of other companies. Credit Information Provided to Our Affiliates S Do not share credit-related information about me (except as described in this Notice) with American Express Affiliates. Account Number 3712-938953-21000 Offers for American Express Products and Services El Mail Offers: Do not use Cardmember Information to mail me offers for American Express products and services. Telephone Offers: Do not contact me by telephone to offer me products and services. If you do not have a payment envelope, mail your response to: American Express Cardmember Information Services P.O. Box 981527 El Paso TX 79990.1527 BP/MU/01 LE/0307 EFTA01704628 DUPLICATE COPY P cd For Page 10 of 10 Offers for American Express Products and Services Mall Offers We may use Cardmember Information to 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 these 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 publishers, travelers cheques issuers, travel agents and providers of Card-related insurance services. American Express Travel Related Services Company, Inc., 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 credit-related 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 800-297-8378 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. E-Mall 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 offers, 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. BP/MU/01 LE/0307 EFTA01704629 DUPLICATE COPY Platinum Card® Statement of Account 57 ' • ;/. ..t:MenlberShipAe!AfaFOS ti )404163107.. when chargeS due are Pale 01 3fid11and all accounts are in good standing:, Pr F Due in Full RexitIe Total Previous Sabres $ Passed Pain Now Parry d F ILZ oA Y Craig 04/09/07 flew Edna S Dare Page 1 of 10 Minimum Payment Due Date Amount Due $ 05/04/07 903.58 +1,117.86 -903.58 -3,117.86 +1,08186 +4,811.92 1,083.86 +2,811.92 +1,083.86 +56.00 2,021.44 -4,021.44 +5,895.78 = 3,895.78 1,139.86 Please refer to 5 pago for important information regarding your account To manage your Card account online or to pay your bill, please visit us at www.amerIcanexpress.com. You can also pay your bill by calling 1-800-l-PAY-AXP (1-800-472-9297). Save Time Paying Your Bills with Your Card Enjoy the time-saving convenience of using your Card to pay your bills. You can consolidate your payments and make sure your bills are paid on time. And you're backed by the security of American Express. Contact your providers directly and tell them to charge your monthly bills like cable/satellite to your Card. You can visit us at americanexpress.com/gobills Activity .1"3CY0ep00Y°d"e 03/10/07' Comp:U788 P lVMENTRECEtVEAI xxX60451 CITIBANKpm.A.-, COMPUTER PAYMENT-RECEIVED - THANK XXX60451 CITIBANK, N.A. Amount: 03112/0/' ?BANK • • 03/29/07' COMPU TER PAYMENT RECEIVED - THANK • XXX63451 CITIBANK, N.A. Total of Payment Activity -4,021.44 -1,500 00- -511 44 2,6000D Du CaS *vity for Amount SAKSSIETH -00INEW YORK NY W9WT§..0.. 03/12/07 OCEAN NEW YORK RESTAURANT Description 59 9 NY Please kC en tre perlyaus Wave deish rd slum ugh rise pauses. Payment Coupon NEW YORK NY 10021-6217 Payment Due Date: 05/04/07 Total Now Balance $ 3,895.78 Minimum Amount Due $1,139.86 Amount enclosed Mail Payment to: AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 64.88 Continuod on Page 3 Pease enter account number on all checks and correspondence. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges we not assessed on Features. Check here if address or telephone number has changed. Please note changes on reverse side. 0000371293895321000 000389578000113986 08 ri EFTA01704630 DUPLICATE COPY Page 2 of 10 Payments: Payments received after 12:00 noon may not be credited unite the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiable Instrument payable in US dollars and clearable through the US banking system, or through an electronic payment method payable in US dollars and clearable through the US banking system. Your Account number must be included on all payments. If payment does not conform to these requirements, crediting may be delayed and additional Charges may be imposed. If wo accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US dollars unless a particular rate is required by law. Please do not send post-dated checks. They will be de step upon receipt Our acceptance of any payment marked with a restrictive legend will not operate as an accord and satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and chock serial number to your financial instdution, unless the check is not processable electronically or a less costly process is available. By submitting a check fcr payment, you authorize us to initiate an electronic debit from your bank cr asset account. When we process your check etectronicaby, your payment may be debited to your bank or asset account as soon as the same day we rece,ve your check, and you wil not receive that cancelled check with your bank or asset account statement. If we cannot colect the funds electronically we may issue a draft against your bank or asset account for tho amount of the check. Authorization for Electronic Payments: By using Pay By Computer, Pay By Phone or any other electronic payment service of ours you will be authorizing us to initiate an electronic debit to the financial account you specify in the amount you request. Payments received after 5:00 p.m. MST may not be credited until the next day. Allocation of Payments and Sub;ect to applicable law, we will apply and alocate payments and credits among Features and Charges on your Account in any order and manner determined by us in our discretion. Finance Charges: Average Daily Balance (ADB) Method for Calculation of Finance Charges (FC): We use the ADB Method to calculate FC on your Account. Older this method, we figure the FC on your Account by applying the Deity Periods Rate (DPR) to the ADB (as described below) for each Feature (including current transactions). Different daily periodic rates may be applied to separate Feature balances. To get the ADB for each feature, we (1) take the beginnrep balance for each day (including unpaid FC from previous billing periods) (2) add any new transactions, debits, or fees ,13) subtract any payments or credits, and (4) make any appropriate adjustments. For each day after the first day of the billing period, we also add an amount of mterost equal to the previous days daily balance multiplied by the DPP for the Feature. This gives us the daily balance for the Feature for that day and the beginning balance for that 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 anddwide the total by the number of days in the bitting period. This gives us the ADB for the Feature. If you pay the New Balance on this statement by the next Closing Date, then you will avoid additional FC on features included in this Now Balance. If you multiply the ADB for each Feature by the number of days in the tilling period and the DPR for that Feature, the resit will be the FC assessed on that Feature, except for variations caused by rounding. The total FC fcr the billing period is calculated by adding the FC assessed on all Features of the Account. This method of calculafing the ADS and PC results in daily compounding of Fa Transactions Made in Foreign Currencies: If you incur a °large in a foreign currency, it will be converted into US dolars on the date it is processed by us or our agents. Unless a particalar rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that dale. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the pnor business day, In each Instance Increased by 2%. This conversion rate may differ from rates in effect on the date of your charge. Charges converted by establishments (such as airlines) will be lilted at the rates such establishments use. Billing Rights Symmary: In Case of Errors or Questions About Your Bill: If you think your bills incorrect, or if you need more information about atransaction on your bill, write us on a separate sheet of paper at the Customer Service address noted to the right. We must hear from you no later than 60 days after we sent you thetirst belch which the error or problem appeared. You can taphene us at the number indicated on the front of this statement, but dying 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 cbligated to pay the parts of your bill that we not in question. While we investigate your question, we cannot report you as thinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your checking or savings 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 650 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 covered regardless of amount or location of the purchase.) Credit Balance: If a credt balance (designated CR) is shown on this statement, it represents money owed to you. 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 credit balance, issue a check to you for the credit balance if the amount is $1.00 or more. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by caling 1-800-518-8866. Change of Address outset on front Co not use Sheet Addioss cal. Slate Dp Code Area Code and Home Phone Area Code and Work Paine Erre' (oplionel) To Pay By Phone 1-800-472-9297 Customer Service and Lost or Stolen Card 1-800-525-3355 24 hours/7 days Car Rental Loss and Damage Insurance 1.800.338.1670 Hearing Impaired (9am-5pm EST) TTY: 1-800.221-9950 FAX: 1-800495-9090 In NY: 1.800.522.1897 Large Print and Braille Statements 1.800-525.3355 Travel Emergency and Worldwide Personal Assistance and Fine Dining 1-800.345-AMEX Platinum Card Travel Service and Fine Hotels, Resorts & Spas 1-800-443-7672 By Invitation O 1-800-321-RSVPnly • Customer Service P.O. Box 7825 C.S Ft. Lauderdale, FL 33329-7825 Express Cash P.O. Box 297815 Ft. Lauderdale, FL 33329-7815 Payments P.O. BOX 2855 NEW YORK NY 10118-2855 • To change your address online, visit www.americanexpress.com/updatecontactinfo • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black Ink only in the boxes provided. I I I Please provide yo:ir e-mail address to receive important Ism j account updates and exclusive Cardmember offers and ben efts. You may visff theAmerican Express PrivacyStatenientat www.americanexpress.com/privacy for more details andloset your email preferences. EFTA01704631 DUPLICATE COPY P Fa 04/09 Da:o Page 3 of 10 04/09/07 Due in Full continued miount$ 03/12/07 MORANDI NEW YORK NY RESTAURANT Description 546744 29.92 03/12/07 CVS 2400 2400 NEW YORK NY DRUG STORE/PHARMACY 26.81 03/20/07 PATRICK MCMULLAN COMUS NY 6466382000 Desafplfon PATRICK IvICMULL 8158840577 26.18 03/20/07 MTA MVM•68TH ST / HUUS NY 2126387622 20.00 03/20/07 MEXICAN RADIO 009700US NY 2123430140 FOOD/BEVERAGE 24.60 TIP 6.00 30.60 03/23/07 EQUINOX MOTO #113 212.8814425 NY 2128810425 160.00 03/24/07 PAYPAL 'UON CART 00402 935 7733 CA 4029357733 Description MISC PROFESSIO 72.09 03/24/07 SEPHORA 1398 UNIONSONEW YORK NY 4152843358 Description Price COSMETIC STORE 24.38 24.38 03/24/07 CVS 2427 2427 NEW YORK NY DRUG STORE/PHARMACY 22.19 03/24/07 SHOE MANIA VII 0691 NEW YORK NY SHOE STORE Description SHOES/ACC 000690 136.85 03/24/07 VIRGIN 2753 NEWARK NJ GIFT, CARD, NOVELTY AND GIFT, CARD, NOVELTY AND SOUVENIR STORES 26.74 03/24/07 MORANDI NEW YORK NY RESTAURANT Description 580332 24.59 03/29/07 FOOD EMPORIUM #36703NEW YORK NY 2122496899 23.24 03/31/07 SAKS FIFTH AVE .001NEW YORK NY LONG SOLID BLOUSE 149.56 04/03/07 STARBUCKS USA 008219NEW YORK NY 1.800•STARBUC 15.00 04/04107 SEPHORA /336-67TH STNEW YORK NY 9999999999 Description Price COSMETIC STORE 52.02 52.02 04/05/07 MY WHITEBOARDS.COM ONORTHBOROUGH DIRECT MKTG INTERNET Description CATALOG MERCHA MA 117.87 0000000001 Continued on reverse EFTA01704632 DUPLICATE COPY Pr arl For Page4of 10 Due in Full continued Amounts 04/05/07 BERGDORF GOODMAN NEW YORK DEPARTMENT STORE NY 23.84 04/07/07 TRIBECA FILM FESTIVANEW YORK MISC/SPECIALTY RETAIL NY 121.00 Total Due in Full Activity 1,083.86 Flexible Payment Summary Previous Balance Payment AcUvty FINANCE CHARGE New Charges/Adjustments New Balance 1117.86 -3117.86 0.00 4811.92 2811.92 Flexible Payment Activity "Fawn Currey m vnson rate rs baser ra'e Pr.rs 2%, Set pope 2 for des. 03/22/07 BARNEYS NEW YORK NEW YORK SALES SIGN & TPAVE.P / EXTENDED PAYMENT OPTION 03/29/07 POLO RETAIL CORP NEW YORK NY GENERAL MERCHANDISE SIGN & TFAVEL0 / EXTENDED PAYMENT OPTION NY,rtt " 03/30/07 POLO RETAIL CORP NEW YORK NY GENERAL MERCHANDISE : ;7:4 SIGN & TRAVEL,1 crENDEDpootoolo:„ 03/10/07 GOYARD, PARIS VOUS REMERCIE DE VOTRE VISITE SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 270.03 "ampean Unto Euro 362.85 --21438'€ Ciriidtzd -36473. ;Crec14-1. 03/10/07 PETIT BATEAU, PARIS VOUS REMERCIE DE VOTRE VISITE SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 153.03 "amps., Union Euro 205.62 03/15/07 BARNEYS NEW YORK NEW YORK NY SALES SIGN & TRAVEL* / EXTENDED PAYMENT OPTION 442.17 03/21/07 BARNEYS NEW YORK NEW YORK NY SALES SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 270.94 03/22/07 POLO RETAIL CORP NEW YORK NY GENERAL MERCHANDISE SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 03/23/07 WWW.POLO.COM 888.475-7674 PA 8884757675 SIGN & TRAVEL* / EXTENDED PAYMENT OPTION 03/26/07 DAYLESFORD ORGANIC, LONDON SW1W GOODS/SERVICES SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 03/26/07 DIESEL (LONDON) LTD, KINGS ROAD, SW3 GOODS/SERVICES SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 214.58 282.15 1612) 324.41 3(100 -Towle Stairg 60.36 03/27/07 EMMA HOPES SHOES, LONDON W11 GOODS/SERVICES SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 03/27/07 DAYLESFORD ORGANIC, LONDON SW1W GOODS/SERVICES SIGN & TRAVEL* / EXTENDED PAYMENT ONION ssa.co 719.37 "Pounds Verity 25 69 51.62 **Pounds Stairg Continued on next page EFTA01704633 DUPLICATE COPY iffir Miro DaW 04/09107 Page 5 of 10 Flexible Payment continued Feariyi Cumecycomealat ale Is ten reds plus 2%. Sea pace 2 for detail'. 03/30/07 POLO RETAIL CORP NEW YORK NY GENERAL MERCHANDISE SIGN & TRAVEL* / EXTENDED PAYMENT OPTION 922.27 03/31/07 WWW.POLO.COM 888475.7674 PA 8884757675 SIGN & TRAVEL* / EXTENDED PAYMENT OPTION 414.99 03/31/07 SAKS FIFTH AVE -001NEW YORK NY SHORT SUM Description RT (DRESSES) RT SUM ROC No. 0012760658 SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 701.64 04/01/07 WWW.POLO.COM 888-475-7674 PA 8884757675 SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 269.31 04/02/07 SMITH & HAWKEN #933 PUEBLO CO FURNITURE/HOME STORE SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 228.56 04/05/07 BERGDORF GOODMAN NEW YORK NY DEPARTMENT STORE SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION Total of Flexible Payment Activity 4,811.92 211.33 Finance Charge Schedule Billing days this penod: 31 Average Daily Daily Annual New FINANCE Balance to which rate applies Balance $ Periodic Rate Percentage Rate Balance $ CHARGE 6 Sign & Travel/ExPO 0.00 0.0500% 18.24% 2,811.92 . 0.00 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 described in your Cardmember Agreement as currently in effect. Important Notice Information on Flexible Payment Features You may have access to one or more Flats Payment Features as part of your Card account. The current Annual Percentage Rates (APRs) and Daily Periodic Rates (DPRs) for the Flexible Payment Features are as follows: For Sign & Travel*, the APR is 18.24%, the DPR is 0.0500% For Sign & Travel*, the APR is 18.24%, the DPR is 0.0500% For Extended Payment Option (ExPO), the APR is 18.24%, the DPR is 0.0500% Please refer to page 2 for further important information regarcing your account EFTA01704634 DUPLICATE COPY Pr od Page 6 of 10 EFTA01704635 Fcr questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) vnwtamericanexpsess.00m/revrards American Express Membership Rewards P.O. Box 297813 Ft. Lauderdale, FL 33329-9785 MembePaiiift"rais e Monthly Statement and Program News Statement Period February 1, 2007 - February 28, 2007 Account activity after this period does not appear on this statement Pr nca kr 'umber Available Points 172,797 Points are evadable 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 172,317 +480 0 0 =172,797 New Points Earned 02/01/07 - 02/28/07 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 480 0 480 Totals 480 0 480 Page 7 of 10 American Erpress• e, -taZmEathCASHIP 0 4":1 n) Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed oannot be reversed bath into the program. Forfeited points can be reinstated for a lee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms and Conditions in your Membership Rewards Guide. If you have questions, please visit www.americanexpress.comfrewards or call 1-800-AXP-EARN (297-3276). From overseas, call collect 305.816.2799. Membership Rewards Excise Tax Fee Increase Effective May 1, 2007 we are increasing the excise tax fee charged to your account. Accordingly, a new second sentence Is added to the second paragraph of the Frequent Customer Programs section of the Membership Rewards Terms & Conditions as follows: 'Effective May 1, 2007, for each conversion of points Into the Frequent Flyer program of a US airline, a fee of $0.0005 per point, with a maximum fee of $75, will be charged to your Card account' Important Message AMERICANA MANHASSET sinernnisE KRISFLYERS Earn Double Points on Americana Manhasset GiftCard Purchases April 15 - May 30, 2007 Earn double Membership Rewards® points on Americana Manhasset GiftCard purchases of $100 or more when you pay with any American Express® Card. Perfect for Mothers Day, Teachers and Graduates, our GiftCard is exquisitely wrapped and redeemable at over 60 shops: Gucci, Louis Vuitton, Estee Lauder Spa, Cartier, Chanel at Hirshleifer's, Ralph Lauren, Tiffany & Co., and more. Otter veld WI 507 - 0Y3040.7 on Pinerieana Manhasset atCad poetises ct SICO a mare n a mule besaattan. To be opt* b can tants moth you must be arched m Me Mernbershp Ream% program the tine cl mrchase ad you mot charge mo puthre on an elcable. encted Maclean Ecrest Cad. Bat ports rent be cr b to your Menterthp Rewards actount w 6-8 honks alb charges appear on pate lanng statement Ikon 10: 6600 Fly in Comfort and Style Through KrisFlyer, Singapore Airlines' Frequent Flyer Program Singapore Airlines is an exceptional way to fly. With world-class service and state-of-the-art aircraft, travelers benefit from an award-winning experience on Singapore Airlines. Transfer points to a linked KrisFlyer account and redeem miles for award tickets and flight upgrades. Tama ccd oontions d8e Mtn bosh., Retards. program eitcly. Foe rare Worrearka. vat merrbershprewardsocm. ircividualak caner restrichms cosy appy. Taxes ad crier tees are not treaded Tema ad cordnons ci the Kristlyer program apply. To purchase an Americana Manhasset GiftCard, visit americanamanhasset. corn call 1-800-818-6767 or stop in at our Conderge Store. (MR Bonus I0 6600) To preview this reward and to redeem points, visit membershlprewards. corn or cal; 1.800-AXP-EARN (297-3276). (MR Message 1195) 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. EFTA01704636 c et. signature days Mae a day to remember. 4Delta KATE Mi ll ATE COPY ; American Expresa• Remember Mom and Earn 10x Points PLUS 100 Additional Bonus Points at FTD.com®! May 13th is Mother's Day! Shop at ftd.com/amexpromo and earn 10x Membership Rewards® points PLUS, 100 additional bonus points per purchase through 5/15/07 when you use your American Expresso Card. Choose from fresh flower collections, gourmet gifts, plush teddy bears, spa products, and more! Same-day delivery is available. 104 point CbOr teach 12/31/07. 103 bonus palnb odor void 4/1.31&07 only. Na void in mbar stets co oar0urclon web any one on tat FTD. To earn team paints wo must to cetolo3 in No Mantashp Rowalls program a to &no a POCIUSO arc dletta Panataa010 an 02bla. enrO.O5 !snits! Express Cad. Beaus garb wit to Cleated *your Itorrtorshb Rowan* aoucore 10.12 weeks alter actor b cfaveral ard dyers gpCat co yoar harp dawns& Sarn04ay dabaarY la/ an SIDO Flung Is sealable In mod noes a U.S. ant on Was roof by arn n fool:sorts am zone, N.F. Zoo ltd.com la amploto steldb. Bonus 0:3875/7249 Earn Double Points Every Day from Signature Days! Some of life's greatest luxuries are experiences--experiences that challenge us, enrich us, or Just entertain us. Signature Days Gift Cards offer the perfect gift--a memorable experience. Choose from thousands of unique activities nationwide, from spine-tingling adventures to the culinary arts. Use your American Expresso Card and earn double Membership Rewards® points! Olt, Wad through 12/31/07. Tote *We to earn home parrsaou mud be noted in Ohs Memtenelv Rewards al the mod Rebhan at charge Wag Mahal. la sr dint* evdled Anwcan Ec mu Cod points wit to esedied to you Membership Rewards account vein 6-8 weds ate thaws appear 01 your tang *lament Baud 0:7N7 Fly Far or Near with Delta Delta's recent expansion gives you more international choices than ever! Take advantage of new service to Johannesburg - South Africa, Fort de France - Martinique or Acapulco - Mexico or enjoy the sights, sounds and cuisine of Pads, London, Madrid or Moscow. Delta is also the fastest growing major U.S. carrier to Latin America and the Caribbean. Ten and woke/sold* ktorntonly Rowardat) predrom way. Fe, mote lea:Anibal% yell rnenhoestisowath.ean.lnelvidual *Wrot fon dons epday. Taxes and one Iota aro not natio& Never Be Without a Movie When You Redeem Points for BLOCKBUSTER Total Access'" Only BLOCKBUSTER Total Access lets you rent online with the flexibility to exchange movies in-store, so you never have to wait for a movie. Choose from over 65,000 online titles and exchange your selections at over 5,000 participating store locations in the U.S. Reward yourself with great home entertainment! See blockbuster.com for complete terms and conditions. Ileertorship Soo and *MS condone opp// lag Isefora rot and Ia OLCCKI3US1131 TO>) Malt Realm Nerot cook vats! *mai tea ecolboan of paynent OLOCKOUSTER sane. dactyl Me metaled merles we Iradesserka a 13ouStuals. be. 02007 f Ito. Al firs tient Marking 60 Years of Classic Style So celebrate your classic style today. Redeem Membership Rewards® points for $50, $100 or $200 Talbots Gift Cards. Use them at any of their family of stores, through their catalogs or at talbots.com Page 8 of 10 Remember Mom with flowers and gifts and earn 10x points PLUS, 100 additional bonus points when you shop at ltd.comiamexpromo through 5/15/07. (MR Message 0450) Signature Days has the ceded expenence for every occasion. Visit sIgnaturedays.com and start earning double points today. The experience of a lifetime is just a click away! (MR Bonus ID 7387) To preview this reward and to redeem points, visit membershlprewards. corn or call 1.800•AXP-EARN (297-3276) (MR Message 2434) Get more movies, faster, with BLOCKBUSTER Tots Access. To start redeeming today, log on to amerIcanexpress.comf rewards or call 1-800-AXP-EARN (297-3276). (MR Message 2305) To start redeeming today, log on to membershiprowards. corn or call 1-800-AXP-EARN (297-3276). (MR Message 7092) 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. EFTA01704637 DUPLICATE COPY MON Amain! Nurbor e %stomExtras- close° Dale 04/09/07 Page 9 of 10 Book a Vacation Through Platinum Destinations® Vacations For a world of travel adventure, look to Platinum Destinations Vacations. The twelve partners will help you create one-of-a-kind, personalized vacations. Whether your ideal travel experience Is a family get-together or a romantic getaway, laid-back beach bumming or non-stop adventure--look to these travel specialists to create the vacation of a lifetime, and earn up to 25,000 Membership Rewards® bonus points. Program terms and conditions apply. For fuN program information, visit amencenexpress.com/platinum Reserve your vacation today through Platinum Travel Service at 1-800-443-7672. (CE 108730) Join Exclusive Resorts Now and Save Up to $10,000 Join Exclusive Resorts using your Platinum Card® from American Express, and you can save up to S10,000. Make your next vacation--and every one after that--better as you enjoy access to hundreds of multi-million-dollar private homes in dozens of beach, mountain, metropolitan and leisure destinations worldwide—all with the service and amenities of luxury resorts. EXCLUSIVE RESORTS' To find out more about Exclusive Resorts and receive a free Effortless Vacation DVD, call 1-8664844457 or visit exclusiveresorts.com/ platlnuml Terms and conditions apply. (CE 108696) Shop at Neiman Marcus When You Redeem Points Redeem points for a Neiman Marcus gift card and discover luxury merchandise and exceptional service. Also, make virtually every purchase doubly rewarding. Enroll your American Express® Card with Neiman Marcus and earn points in the InCircles program as well as the Membership Rewards® program. Terms and condtions of both the Membership Rewards program and Meade program apply. Visit americanexpress.comireveards or call 1.888-INCIRCLE (462-4725) for more Information. Participating partners and available rewards are subject to change without notice. To redeem Membership Rewards points, log on to membershiprewards. corn To enroll in the InCinole program, or for more information, cal 1.888-InCircle (462.4725). (CE 108735) Platinum Travel Service Enjoy exclusive access to a unique travel resource: Platinum Travel Service, a full-service American Express Travel agency available exclusively to Platinum Card® members any hour of the day and night-7 days a week, 365 days a year. You'll find experienced travel specialists with a wealth of worldwide knowledge about exciting destinations and vacation options. CARO MEMBE R BENEFITS • . . American Express Travel Related Services Company, Inc. ads solely as sales agent for travel Suppliers and is not liable for the acts or inactions of such suppliers. CST# 1022318-10, Washington URNS 600-469-694 ML-1192, TA-002 Registered Iowa Travel Agency, NW 2001-0126. Call Platinum Travel Service at 1.800-443-7672. (CE 108734) Over 2 Million More Reasons to Redeem Visit an online shop filled with outstanding merchandise, where the only currency you need is the Membership Rewards® points you earned from shopping with your Platinum Card®. At shopAmex®, browse through more than two-million products from more than 100 popular merchants, compare prices and redeem points. Terms and conditions for the Membership Rewards program apply. Visit americanexpress.comfrewards for more information. Partidpating partners and available rewards are subject to change without notice. Redeem now at shopamex.comf platInumstat (CE 108733) 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. EFTA01704638 DUPLICATE COPY P ad rcr Page 10 of 10 Get Up to an Extra Year on Your Warranty CASE.) LCI.BEB CEEE.ITS With the Buyer's Assurance Plan,* you can shop worry-free knowing that the terms of the original manufacturer's warranty will be matched up to one additional year, on warranties of five years or less that are eligible in the U.S. *Buyer's Assurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Paw N(0953 and is subject to change with notice. This document does not supplement or replace the Policy. For more information, visit americanexpres.com/ platinum (CE 108732) Enjoy Exclusive Events with By Invitation Only® This program offers Card members access to once-in-a-lifetime experiences. From sports to fashion to the performing arts, these events are designed for Platinum Carde members and typically not available to the general public. Past offers have included cooking workshops in some of the country's top restaurants and an opportunity to go behind the scenes and meet a sports legend. Transportation and accommodation costs are additional unless otherwise Mated. The price indicated covers event costs only. All sales are final and non-refundable and resale is prohibited Details and prices are subject to change. Payment must be made using a Platinum Card from American Express. Packages are available on a first-come, first-served basis. Availability is limited. Call By inwtation Only at 1.800-321-RSVP to secure your reservation. We are continually adding new events, so visit amerIcanexpress.com/ byinvitatIononly for our most current event listing. (CE 108731) Savings at USAIlorist.com Order a perfect gift for any occasion and receive $10.00 off every order of $29.99 or more. Make Mother's Day, a birthday, anniversary or any special day memorable. It's easy with our same-day delivery service. Order online at usaflorlst.00m/AMX or call 24 hours at 1-800.838-8853 and refer to code AMX to receive your savings. usaitaiste0 Valid only with the American Expresso Card and minimum purchase is $29.99. Same-day delivery when ordered by 3pm in recipients' time zone. Not valid in conjunction with any other offer. Offer expiration dale is 9/20/2007. Save $10.00 on every order at usaflorislcom/amx when you pay with your American Express Card. (CE 108601) Now Accepting American Express® Cards! The Russian Tea Room - The New York City landmark opens its doors offering modern Continental cuisine and famous Russian classics. For reservations, call 212-581-7100. Pera Mediterranean Brasserie - Taste the Mediterranean in an elegant and spacious brasserie specializing in traditional and modern dishes. 303 Madison Avenue, NY. 212-878.6301 or peranyc.com. Te Cason - Luxury limited-edition women's shoes from 7 designers. Visit us at 382 West Broadway (between Spring and Broome) New York, NY. 212-584-8000 or tecasan.com. If there are other places where you would we 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 108621) Shop Loehmann's & Save! Top designers at low discount prices? Shop Loehmann's now in Burbank, CA, and NYC uptown or one near you, and take $20 off your purchase of $100 or more from April 1-May 31, 2007. Visit Ioehmanns.com/amex, print coupon and bring it to your store. See website for a Loehmann's nearest you. Valid in store only when you pay with any American Express* Card 4/1/07-5/31/07. Valid on a single purchase of $100 or more. 6100 based an a purchase prior to sales tax. Not valid on 3 hour specials, prior purchases, gift cards or with any other offer. Coupon must be presented at time of purchase. Limit one coupon online offer per Cardmember. Loehmann's employees and their families not eligible. Visit loehmanns.com/ amex, print coupon and bring it to your store. See webaite for a Loehmann's nearest you. (CE 108682) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704639 DUPLICATE COPY Platinum Card® Statement of Account Fw Due In Full Flexible Total Predicts 801,100 E Parton' AS* Accouri Nurrow NewA.Whiy$ i ll eV= ag Fi is Close Dale 05/09/07 Minimum Now BlfrarteS Amount Due S Page 1 of 10 Please Pay By 05/24/07 Please refer to page 5 for important information renaming your account 1,083.86 +2,811.92 -1,359.22 -4,671.09 +528.64 +1,859.17 253.28 0.00 +253.28 0.00 3,895.78 -6,030.31 +2,387.81 =253.28 253.28 To manage your Card account online or to pay your bill, please visit us at www.amerIcanexpress.com. For additional contact information, please see the reverse side of this page. 44-(1 N Great products. Great prices. And we're granting three wishes, too! Visit www.mylifemycard.com/springwish from May 1 — June 14, 2OO7. Activity Mares pcsbng dale p4/1Pittxt,:q,e .o PUTER PAYMENT RECEIYEps'iltrtAhlki 60451:'. ' • CiTiBANK NA Amounts 04126/07*(COMPUTER PAYMENT RECEly5VTFIANK •c:? ••• ',000(60451. .! • : 4CMEIANK-NA : 4kJRUTER pAVMONT BLebyEEP• Total of Payment Activity -6,030.31 Du fry for Can 041.1,07 tp.99 .480.47%7‘ ,, eterists:4.4•->'" + Phase Man theredcallcebte, Mach arclaikrnahyospoyment Payment Coupon NEW YORK NY 1OO21-6217 Mail Payment to: Please Pay By: 05/24/07 Total New Balance $ 253.28 Minimum Amount Due AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 1O116-2855 $253.28 • Amount enclosed ArnouotS Continued on Page 3 Please enter account number on all checks and correspondence. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Features. Check here if address or telephone number has changed. Please note changes on reverse side. 000025328000025328 08 d EFTA01704640 DUPLICATE COPY Page 2 of 10 Payments: Payments received after 12:00 noon may not be welted until the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must be made with a single check Or draft drawn On a US bank and payable in US dollars, or with a negotiable instrument payab'e in US dollars and clearable through the US banking eystem, or through an electronic payment method payable in US dollars and clearable through the US banking system. Your Account number must be included on WI payments. If payment does not conform to these requirements, crediting may be delayed and add tonal Charges may be imposed. If we accept payment made in a foreign currency, we will choose a conversion rale that is acceptable to us to convert your payment into US dollars,. unless a particular rate is required by law. Please do not send post-dated checks. They will be deposited upon receipt. bur acceptance of any payment marked with a restrictive legend will not operate as an accord and satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks electronically, at first presentment and any re-presentments, by transmitting the account of the check, routir.g number, account number and check serial number to your financial institution, unless the check is not processable electronically or a less costly process is available. By submitting a check for payment, you authorize us to initiate an electronic debt from your bank or asset account. Wien we process your check electronically, your payment may be debited to your bank or asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your bank or asset account statement. If we cannot collect- the funds electronically we may issue a draft against your bank or asset account for the amount of the check. Authorization for Electronic Payments: By using Pay By Computer, Pay By Phone or any other electronic payment service of ours you will be authorizing us to initiate an electronic debit to the financial account you specify in the amount you request. Payments received alter 5:00 p.m. MST may not be credited until the next day. Allocation of Payments and Credits: Sublet to applicable law, we will apply and allocate payments and credits among Features and Charges on your Account in any order and manner determined by us in cur solo dscretion. Finance Charges: Average Daily Balance (ADB) Method for Calculation of Finance Charges (FC): We use the ADB Method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying the Daily Periodic Rate (DPR) to the ADS (as described below) for each Feature (including current transactions). Different daly periodic rates may be applied to separate Feature balances. To get the ADB lot each feature, we (1) take the beginning bWance for each day (including unpaid FC from previous biting periods) (2) add any new transactions, debits, or fees (3) subtract any payments or credits, and (4) make any appropriate ailustmentS. For each day alter the first day of the billing period, we also add an amount of Interest equal to are previous day's daily balance multiplied by the DPR for the Feature. This gives us the daily balance for the Feature for that day and the beginning balance for that Feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the d; aily balances for the Feature for the biting period and dvide the total by the number of days in the billing period. This gives us the ADB for the Feature. If you pay the New Balance on this statement by the next Closing Date, then you will avoid addtOnal FC on features included in this New Balance. If you multiply the ADB for each Feature by the number of days in the bil.ing period and the DPR for that Feature, the result will be the FC assessed on that Feature, except fa variations caused by rounding. The total FC for the bilingperiod is calculated by adding the FC assessed on all Features of the Account. This method of calculating the ADS and FC results in dairy, compounding of FO. Transactions Made in Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for thafdate. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, cr (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the poor business day, in each instance increased by 2%. This conversion rate may differ from rates in effect on the date of your charge. Charges convened by establishments (such as airtines) wi be billed at the rates such establishments use. Blaine 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 atransadion on your bill, write us on a separate sheet of paper at the Customer Service address noted to the right. We must hew from you no later than 60 days after we sent you the first bill on which the error or problem teemed. You can telephone us at the number indicated on the front of this statement, but doing- so will not preserve your rig its. 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 y0u 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 net 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 authorizedus to pay your bill automatically from your checking or savings account, you can stop the payment on any amount you thinkis wrong: To stop the payment your letter must reach us three business days before the automatic cLiayrnent is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of or servicesthat you purchased with a credit card, and you have tried in good lath to correct the problem with the mere ant, 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 seririces, all purchases are covered regarckss of amount or location of the purchase.) Credit Balance: if a credit balance (designated CR) is shown on this statement, it represents money owed to you. If you do not make sufficient charges against the credit balance or request a refund, we will, within 30 days alter 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 if the amount is $1.00 or more. New York residents may contact the New York Banking Department to obtain a comparativelisting of credit card rates, fees andgrace periods by calling 1-800-518-8866. Change of Address correct on non: do nor in. Street Address Cly. Stile Zp Code Area Code and Horne Phone AreaGad> and Worn Phone Email (optional) To Pay By Phone 1400-472-9297 Customer Service and UX4 or Stolen Card 1.800525.3355 24 hours/? days Cr Rental Loss and Damage Insurance 1-800.338.1670 Hearing Impaired (9am-5pm ES1) TTY: 1.800.221.9950 FAX: 1-800-695-9090 In NY: 1-800-522-1897 Large Print and Braille Statements 1-800.525-3355 Travel Emergency and Worldwide Personal Assistance and Fine Dining 1-800-345-AMEX Platinum Card Travel Service and Fine Hotels, Resorts & Spas 1-800-443-7672 By Invitation Only 1400321-RSVP • Customer Service P.O. Box 7825 C.S Ft. Lauderdale, FL 33329-7825 . Express Cash P.O. Box 297815 Ft. Lauderdale, FL 33329-7815 Payments P.O. BOX 2855 NEW YORK NY 10116-2855 • To change your address online, visit www.americanexpress.comiupdatecontactinfo • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black ink only in the boxes provided. 1 Please provide your e-mail address to receive important I acccunt updates and exclusive Cardrnember I- mom ! You mayvist the American Express Privacy Statement at www.amencanexpress.com/privacy for moredetails andtoset your email preferences. otters and benefits. EFTA01704641 DUPLICATE COPY Pe od uri Narnacr Cbtko Des 05/09/07 Page 3 of 10 Due in Full continued WWWPOLO.COM Saf ^ 8884757675 fbF!',!'!!!&. MOANS* 7 4 k: s; NY 90.95 04/10/07 RAOUL'S RESTAURANT NEW YORK RESTAURANT FOOD/BEVERAGE TIP 76.95 14.00 unts f91 00 04/11/07 ERIC SHOES NEW YORK NY SHOE STORE Description 508339 04/13/07 CONCORD CHEMISTS NEW YORK NY DRUG STORE/PHARMACY Description 544209 170.69 32.59 04/13/07 CRATEANDBARREL 621 NEW YORK NY Y6212007041300139183559 18.32 04/17/07 WWW.POLO.COM 888-475-7674 PA 8884757675 60.22 04/17/07 MATCH.COM 800-926-2824 TX CLASSIFIEDS ROC No. 0008987290 43.34 04/19/07 AMAZON.COM PAYMENTS AMZN.COWBILL WA 98108 AMZ'AMAZON PAYMENTS MERCHANDISE ROC No. 0010179219 7.65 04/19/07 STARBUCKS USA 008219NEW YORK NY 44.00 1.800-STARBUC 04/19/07 AMAZON.COM PAYMENTS AMZN.COM/B1LL WA 16.56 98108 AMZ'AMAZON PAYMENTS MERCHANDISE ROC No. 0010686870 04/20/07 ARENA 0030 NEW YORK NY 31.20 RESTAURANT FOOD 31.20 04/22/07 BLOOMINGDALES NEW YORK NY 39.02 CLINIQUE 04/23/07 EQUINOX MOTO 4113 212-881-0425 NY 160.00 2128810425 04/25/07 DLDECAL 565873 8884 MI 26.97 4029357733 Description MISC PROFESSIO 04/25/07 SE PHORA 1/336-67TH STNEW YORK NY 49.85 9999999999 Description Price COSMETIC STORE 49.85 05/03/07 HAUAK AND SONS CLEAHACKENSACK NJ 48.50 2013437333 Description Price DRY CLEANERS 48.50 Continued on reverse EFTA01704642 DUPLICATE COPY P oi Page 4 of 10 Due in Full continued 05/03/07 SHELL OIL GREENVALE NY 27542669901124424013348 ROC No. 075076015L 05/08/07 STARBUCKS USA 008219NEW YORK NY 68.60 1-800-STARBUC 54.00 05/08/07 POLO RETAIL CORP NEW YORK NY APPAREUACCESSORIES 140.89 Total Due in Full Activity 528.64 Flexible Payment Summary Previous Balance Payment Activity FINANCE CHARGE New Charges/Adjustments New Balance 2811.92 -4671.09 0.00 1859.17 0.00 Flexible Payment Activity Faelgn °Jimmy corwertota We Is base gee Oa 2%. &amp 2 lot deals. New Activity for Caro 65162191. ri,E-4:."149.°69DIE; !To:, roj:,Akrov$015 GMOTHI 94..31411 .vc, (102 ACC WOM CCS,' SIGN ttk 4YEL!ri rr0PgP!ektt'40f raPtiti POLORETAIL•CORP•i, NEW-YORtU. Nrc GENERAL MERCHANDISE %Cic. ',4a(Ci.itikAcCi:iiig;ere ( SiblibikimtAtothio4A 04/21/07 ERES LLC 0000 NYC NY 604.73 WOMEN'S CLOTHING Description WOMENS ACC S SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 04/22/07 THE SHARPER IMAGE NEW YORK NY 216.73 ASSORTED MDSE FOR CUSTOMER SERVICE CALL 1-800-344-5555 ROC No. 071399605 SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 04/25/07 FACONNABLE NEW YORK NY 216.36 FACONNABLE WMN SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION. 05/02/07 POLO RETAIL CORP NEW YORK NY 573.30 APPAREUACCESSORIES SIGN & TRAVEL* / EXTENDED PAYMENT OPTION 05/02/07 POW RETAIL CORP NEW YORK NY 1,357.94 GENERAL MERCHANDISE SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION 05/07/07 MAC SAINT HONORE, PARIS VOUS REMERCIE DE VOTRE VISITE ^Eurepean Unian re Eve 39 SIGN & TRAVEL*/ EXTENDED PAYMENT OPTION Total of Flexible Payment Activity 1,859.17 Connived on next page EFTA01704643 DUPLICATE COPY Okay Oslo 05/09/07 Page 5 of 10 Finance Charge Schedule Billing days this penod: 30 Average Daily Daily Annual New FINANCE Balance to which rate applies Balance $ Periodic Rate Percentage Rate Balance $ CHARGE $ Sign & Travel/ExPO 0.00 0.0500% 18.24% 0.00 0.00 Certain of the periodic rates and APFs 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. Important Notice Information on Flexible Payment Features You may have access to one or more Flexible Payment Features as part of your Card account. The curront Annual Percentage Rates (APRs) and Daily Periodic Rates (DPRs) for the Flexible Payment Features are as follows: For Sign & Travel*, the APR is 18.24%, the DPR is 0.0500% For Sign & Travel*, the APR is 18.24%, the DPR is 0.0500% For Blended Payment Option (ExPO), the APR is 18.24%, the DPR is 0.0500% Please refer to page 2 for further important information regarding your account EFTA01704644 DUPLICATE COPY Pr • Page 6 of 10 EFTA01704645 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) www.americanexpresscom/rewands American E>ixess Membership Rewards P.O. Box 297813 Ft. Lauderdale, FL 33329-9785 MembeP&RIj9W&MJs® Monthly Statement and Program News Statement Period March 1, 2007 • March 31, 2007 Account activity after this period does not appear cn this statement Pr ed la tarter Available Points 174,818 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 172,797 +2,021 0 0 =174,818 New Points Earned 03/01/07 - 03/31/07 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 2,021 0 2,021 Totals 2,021 0 2,021 Page 7 of 10 American Err ress• M IP IREIt/ R Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined In the Membership Rewards program Terms and Conditions in your Membership Rewards Guide. If you have questions, please visit viww.americanexpress.com/rewards or call 1-800-AXP-EARN (297-3276). From overseas, call collect 305-816-2799. FRONTIER A I R L I N E S -SW artica rso s The monk/a of mature— ettarardy BANK • loneette I.".17.1 Fly with Frontier Frontier's EarlyReturns loyalty program lets you fly nonstop from Denver to over 45 U.S. cities. Its Airbus fleet, the youngest in North America, is equipped with 24 channels of DIRECT-IV® service, first-run movies and Disney programming. Terns aid cadged cite Meentersny ReNaxls. prO7arn ancty. For mote Intormabon, vat merrtershprevadszan. Tams ard cter lees may nc/y. !Aydin, aline resmccns may to;:ly. Earn Double Membership Rewards® Points on Purchases of $50 or More at ORIGINS.COM Discover a world of wellness! Origins is all about feeling well, living well, giving well, looking swell. Oiler veld la putclusect made January I -Denneter 31.2007 onft ad nett we in ptencuiputchent Earn deJab Mentersby Rewaxls pants an any sigh ptirchase <4 $50 or mat Tab abide b earn bras pain )w mat be emoted n Ins /Modestly Acworth payed Move) Y IS IMMO/ purchase and mu mat chats you ptectato on an ere*, armed Arnarban espies Cad. Bawl ponb wilt cosi Icd w your Program steam mein 6-8 woes sea charges ewe on your tairg Melemset Berns ID: 2726. Earn Up to 3,000 Points with a My Checking Account with Guaranty Bank Earn up to 3,000 bonus points with My Checkinge from Guaranty Bank. With a minimum opening deposit of just $100, you can earn: 2,000 points to open an account, 1,000 points for direct deposit, 1,000 points when you refer a friend and/or 1 point for every $10 of your average daily balance each month up to 3,000 bonus points. Foe carpet lams and ca-dtord. clone vidtmemberoMpeewards.comfeam.Olet veld until 7/31/37. To be es loo to elm mad porta you must be caroled Ii IN Metteshy Pentads* pecgrern and ,cede you espan, addled Arnenoan Emcees@ Cad. Bans ;ebb we be cleated lama easeual wthin 10-12 weeks Mss you teems you roanlibt dxckry excel s1doyent Perscnal =counts only. eaventy Bead a Maker FOC. Bents 0:7649. To preview this reward and to redeem points, visit membershiprewards. corn or cal' 1.800-AXP-EARN (297-3276). (MR Message 7211) Shop now with your eligible, enrolled American Express° Card at orlgins.com. Enjoy! (MR Bonus ID 2726) Call 1.800.288.8822 toll-free or log on to guarantygroup.comi mychecking to sign up. (MR Bonus ID 7649) Contnued 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. EFTA01704646 • ICATE COPY eltnernan Errren. (Nintendo) Crate8d3arrel Arveyt am Ex rest' ara • 04 Att.:4 [nit I Enjoy Your Favorite Nintendo DS and Game Boy Advance Games More Than Ever The Nintendo DS Lite provides all the wonderful features of your Nintendo DS, such as color screens, built-in 1M-Fl connectivity and touch-screen gameplay in a smaller, sleeker design. The microphone is located in the center, LED lights are clear and visible and the start and select buttons have been repositioned for easier access. Comes with 1 game. Redeem for this by June 15, 2007 to take advantage of this special offer. (Reward Code: HLX833; Points: 29,300; Expiration Date: 6/15/07). Tema and ccodakets <I he Mantes* Rewards Motown ef9lf. Redeem Membership Rewards® 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. The preparation will dazzle your eyes, tease your taste buds and leave you hungry for a mouth-watering meal you will never forget. Enjoy some of the freshest fish in town at our sushi bars and then choose from such hibachi-grilled favorites as prime sirloin, tender chicken and fresh seafood. At Benihana, enjoy an experience at every table! Fee ckoelerclase cleecticoa please vla us al be rthanasom a cal 1-87743ENIKANA r2364426pct the iocxion named you. Redeem Membership Rewards® Points this Spring for Shopping with Crate & Barrel At Crate & Barrel, you'll find contemporary classic designs in furniture, dinnerware, glassware, cookware, flatware and linens-plus, a registry that makes gift giving (and receiving) fun and easy. For the store nearest you, call 1-800.996-9960 or visit crateandbarrel.com Redeem Points on Over 2 Million Products from Over 100 Merchants Browse, compare prices and then redeem Membership Rewards® points. Don't have enough points? Partial points allow you to pay part of your purchase by redeeming available points and charging the remainder, if any, to your Card. Need it overnight? shopAmexe has over 100 merchants, most offering second-day and overnight shipping. Redeem now at shopAmex.com Terns aid =Matra for On Merberstip Rewash priawn 944. V W arnedcanflacaneftwaid. la mae Manakin. Partcloat rig partwe ad available rtmeals tableCt to charge witcot Polka Redeem Membership Rewards® Points for Brooks Brothers Gift Cards! Brooks Brothers is a premier American purveyor of classic apparel. The collections for men, women and boys continue to define elegance, with timeless style and quality that is second-to-none. Page Sot 10 To redeem, visit membershlprewards. com/NintendoDSLite or call 1.800-AXP-EARN (2974276) by June 15, 2007. (MR Message 1353) To redeem 5,000 points for $50 Benihana Gift Card, visit membershlpresvards. corn or call 1-800-AXP-EARN (297-3276). (MR Message 0333) To start redeeming today, log on to membershiprewards. corn or call 1.800-AXP-EARN (297-3276). (MR Message 8332) Start shopping now at shopAmex.com (MR Message 8461) Shop using your Brooks Brothers Gift Cant in retail and factory stores nationwide, online at BrooirsBrothers.com or by catalog al 1.800.274.1815. (MR Message 3017) 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. EFTA01704647 DUPLICATE COPY EXCLUSIVE RESORTS i I I I °""tnte me CustemExtrar Cbsina Oat 05/09/07 Page 9 of 10 Join Exclusive Resorts Now and Save Up to $10,000 Join Exclusive Resorts using your Platinum Card® from American Express and you can save up to $10,000. Make your next vacation--and every one after that--better as you enjoy access to - hundreds of multi-million dollar private homes In dozens of beach, mountain, metropolitan and leisure destinations worldwide, all with the service and amenities of luxury resorts. Terms and conditions apply. To find out more about Exclusive Resorts and receive a free Effortless Vacation DVD. call 1-868884-3457 or visit exclusiveresorts.com/ platinum', (CE 106944) Davidoff: Cigars and Accessories for the Very Best CARDMEMBEIT BENEFITS Discerning customers will enjoy to their fullest Davidoff's world-renowned cigars, including our wide array of cigar accessories that complete this delectable journey. As a Platinum Card® member, you have access to an array of our cigars and accessories using your Membership Rewards® points through the First Collections". Terms and conditions of the Membership Rewards program apply. Vial americanexpress.com/rewards for full program terms and conditions. Participating partners and available rewards are subject to change without notice. Visit amedcanexpress.com/ rewards for details on the Membership Rewards program. For a look at First Collection, visa firstcoiiection.com (CE 108847) Get to the Points at Bergdorf Goodman Redeem for a Bergdorf Goodman Gift Card and discover signature Bergdorf Goodman luxury. Also, make your purchases doubly rewarding--enroll your Platinum Card® with Bergdorf Goodman to receive InCirclee points in addition to your Membership Rewards® points. Reserve the exclusive service of a complimentary personal shopper. See the collections shaping the future of fashion on the newly renovated Third Floor. Enjoy the best the world has to offer. Terms and conditions of both the Membership Rewards program and InCirde program apply. Participating partners and available rewards are subject to charge without notice. ^' ffEtnit To redeem Membership Rewards points, log on to membershlprewards. corn To enroll in the InCirde program, or for more information, call 1.888-InCircle (462-4725). (CE 108848 ) Get Premium Seats for Professional Soccer in Los Angeles Access some of the best seats in the house for professional soccer in Los Angeles through our Premium Seats Program. Platinum Card® members can enjoy prime seating and VIP access at The Home Depot Center in Los Angeles while you take in the best in professional soccer. For tickets, call 1-800-321-RSVP (7787), (8am-11pm EST, seven days a week). All sales are final and nonrefundable and resale is prohibited. Details and prices are subject to change Suites, packages, and tickets, are available on a first-come first•served basis. All ticket orders are subject to service charges. Payment must be made using the Platinum Card from American Express. Ticket limits may apply. Availability is limited. Tickets will be sold in pairs. CAFOMEMBER BENEFITS Fa* tickets, call 1.800.321-RSVP (7787), (8am-11pm EST, seven days a week). (CE 108849) Manage Your Account on Your Schedule - Online You don't need to wait until you get your statement in order to check your account. Just register for Manage Your Card Account online. - View recent Card activity - Sort your transactions by date, merchant or amount - Receive personalized alerts, including payment received Plus, you can rest assured that your account information is safe, because all Information is encrypted. CARDPAENIBER: BEPETI7S • Register now at amerIcanexpress.com/ mycardaccount (CE 108850) 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. EFTA01704648 DUPLICATE COPY Pe ccl Fa Page 10 0110 The Ritz-Carlton Club Revel in the refined elegance of a Second Home through Deeded Fractional Ownership. The Ritz-Carlton Club offers exquisitely appointed, meticulously maintained homes designed for those who enjoy the finest in life. And, Membership can deliver something no other Second Home can otter at any price: five-star service, perfected by the world's premier hotel company. This is neither an offer to sell nor a solicitation to buy to residents in states or jurisdictions in which registration requirements have not been fulfilled. THIS ADVERTISING MATERIAL IS BEING USED FOR THE PURPOSE OF SOLICITING THE SALE OF FRACTIONAL OWNERSHIP INTERSTS. To learn about special Platinum Card member benefits, visit amerIcenexpress.00mf platinum (CE 108854) Select Individual Charges on This Statement to Pay Later Your Platinum Care from American Express has a special service called Select & Pay Later that gives you the option to select just about any charge on your statement to pay over time, regardless of size or type. So for all your Card purchases--big or small—you have the control to extend payment if you choose. It's easy and there's no enrollment required. Not all Card members are eligible. Requests to pay over time are approved based on several factors including account history, current account status and credit record at time of request. Other terms and conditions apply. Go to americanexpress.com/ paylater, did( 1•Get Started," log on and select charges to pay later. Or, call Customer Service and press O. (CE 108853) Save $100 on a Hello Device - Get a Free Bluetooth® Headset Purchase a Helio device, sign up for a two-year service contract with Automatic Bill Payment (ABP) and receive $100 off a device and a Samsung® Bluetooth mono headset only when you use your American Expresso Card. Hello is a mobile brand created to give young, passionate consumers a new type of wireless experience, delivering cutting-edge services, exclusive devices, and uncompromising straightforward pricing and customer care. Other restrictions and Helio member terms apply. See hello.com It may take more than one tilling cycle for paid amounts to be posted to the Card amount. Remember to cancel payments via ABP with your service provider if you dose your Card account and advise your service provider if your Card account number changes. Call 1.888.88 HELIO or see hello.com for more details. Mention Promo code: AEXP when placing your order for this promotion. Cardmember is responsible for all taxes and fees. (CE 108862) Now Accepting American Express® Cards! Liberty Mutual - We take our responsibility to provide you with the very best insurance protection seriously, and we can help save you money. Contact 1-800.4LIBERTY or libertymutual.com Trump On The Ocean - The east coast's premier oceanfront banquet and dining facility. Jones Beach State Park, Ocean Parkway, Wantagh. 516-221-TRUMP or visit TrumpOnTheOcean.com Magnum Management - Rent assured. Visit us at magnum-management.com If there are other places where you wmid lace 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 108772) Please Redeem Your $120.00 VIP Bonus Before It Expires You've been issued a VIP Bonus worth up to $120.00. Go to the website today to select from enchanting jewelry sets. Each set will arrive beautifully boxed--perfect to give or keep. Your VIP Bonus expires 07/15/07, so visit us to select your favorite sets for a low Cardmember rate. Visit mybonuscenter.com/31679 to redeem your Bonus worth up to $120.00. .fitri CARD ,IV/DES CPU ITS Please redeem VIP Bonus worth up to $120.00. Visit us before 07/15/07. (CE 108858) 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. EFTA01704649 2007-6-20 54 EFTA01704650 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1227W)& S-GCSA-10 06/20/07 0000000000000000000000000(00 CUSTOMERBA11K CITIBANK, AMOUNT: $ 3,089.60 ACCOUNT NUMBERS POSTED PRESENTMENT STATUS: PAID PRESENT SEQ#: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA. : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 4 End of Record 4 End of Record 4 CHECK# : 0000 TRACES :11.111M PROC DATE: POSTED AMOUNT 3,089.60 PRESENTMENT DATE: 04/26/2007 BOOKt: AUX CHECK#: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DDA#: RETUR 0000 RETURN DATE : DEROG EFTA01704651 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1227W)& S-GCSA-10 06/20/07 0000000000000000000000000(00 DDA : CUSTOMER BANK: CITIBANK, N.A. AMOUNT: $ 2,000.00 AtSTED PRESENTMENT STATUS: PAID PRESENT SEQ.: 0000 ACM: N CAPTURE CENTER : WROC ORIGINAL ABAS I RETURN REASON DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 5 End of Record 5 End of Record 5 CHECKS : 0000 TRACES : PROC DATE: ITIT IM MI POSTED AMOUNT 2,000.00 PRESENTMENT DATE: 04/12/2007 BOOKS: AUX CHECKS: PAYMENT TYPE : PAY BY COMPUTER AII! ORIGINAL DDAI: RETURN 0000 RETURN DATE : DEROG EFTA01704652 QEBRD REPOSITORY DETAILED RESULTS R030QEBRD 1227(06 S-GCSA-10 06/20/07 0000000000000000000000000(00 DDA CUSTOMER BANK: CITIBANK, N.A. AMOUNT: $ 2,000.00 ACCOUNT NUMBERS POSTED PRESENTMENT STATUS: PAID PRESENT SEW,: 0000 ACM: N CAPTURE CENTER : WROC ORIGINAL ABM( : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS S-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 6 ***** End of Record 6 End of Record 6 CHECKI : 0000 TRACER PROC DATE: POSTED AMOUNT 2,000.00 PRESENTMENT DATE: 03/29/2007 BOOKI: AUX CHECK#: PAYMENT TYPE : PAY BY COMPUTER RETURII!!!!" 0000 ORIGINAL DDA#: RETURN DATE : DEROG EFTA01704653 OEBRD REPOSITORY DETAILED ODA : CUSTOMER BANK: CITIBANK, N. AMOUNT: $ 521.44 ACCOUNT NUMBERS POSTED PARILIPPIPP/s; PAID PRESENT SEQN: 0000 ACN: N CAPTURE CENTER : WROC ORIGINAL ABA( : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PEI(: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DONN End of Record 7 End of Record 7 *****" End of Record 7 RESULTS R0300EERD 1227)06 S-GCSA-10 06/20/07 0000000000000000000000000(00 CHECK* : 0000 TRACED : RIATIMM PROC DATE: POSTED AMOUNT 521.44 PRESENTMENT DATE: 03/12/2007 BOOM: AUK CHECKI: PAYMENT TYPE : PAY BY COMPUTER I ORIGINAL DDAI: RETURN 0000 RETURN DATE : DEROG EFTA01704654 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 122744)4 S-GCSA-10 06/20/07 0000000000000000000000000(00 CUST CITIBANK, N. AMOUNT: $ 1,500.00 ACCOUNT NUMBERS POSTED PAID PRESENT SECA: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA4 : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 8 End of Record 8 ****** End of Record 8 CHECK# : 0000 TRACE* : PROC DATE: POSTED AMOUNT 1,500.00 PRESENTMENT DATE: 03/10/2007 BOOK8: AUX CHECK#: PAYMENT TYPE : PAY BY COMPUTER RETURI I. ORIGINAL ODA*: M 0000 RETURN DATE : DEROG EFTA01704655 OEBRD REPOSITORY DETAILED RESULTS R030CMEIRD 1227%04 S-GCSA-10 06/20/07 0000000000000000000000000400 A CUSTOMER BANK: CITIBANK, AMOUNT: $ 1,180.91 ACCOUNT NUMBERS POSTED PAID PRESENT Stoll: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA. : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PER: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 9 End of Record 9 ****** End of Record 9 H.A. CHECKS : 0000 TRACES PROC DATE: POSTED AMOUNT 1,180.91 PRESENTMENT DATE: 02/12/2007 BOOKS: AUX CHECKS: PAYMENT TYPE : PAY BY COMPUTER RIER ORIGINAL DOA.. RETO 0000 RETURN DATE : DEROG EFTA01704656 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 122741)4 S-GCSA-10 06/20/07 0000000000000000000000000(00 CUSTOMER BANK: CITIBANK, N. AMOUNT: $ 1,000.00 ACCOUNT NUMBERS POSTED PAID PRESENT SEW): 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABAll : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-DEERS 5-0EBER 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 10 End of Record 10 End of Record 10 CHECK* : 0000 TRACEY PROC DATE: POSTED AMOUNT 1,000.00 PRESENTMENT DATE: 02/06/2007 BOOK*: AUX CHECKS: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DOA.: RETUR 0000 RETURN DATE : DEROG EFTA01704657 OEBRD ABA N: CUSTOMER BA : CITIBANK, AMOUNT: $ 3,604.35 ACCOUNT NUMBERS POSTED PAPEgiMS: PAID PRESENT SECA: 0000 RCN: N CAPTURE CENTER : WRCC ORIGINAL ABAR : RETURN REASON DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL OP 11-SCROLL DOWN End of Record 11 End of Record 11 End of Record 11 REPOS:TORY DETAILED RESULTS R0300EBRD 1227W)& S-GCSA-10 06/20/07 0000000000000000000000000{00 CHECK* : 0000 TRACER PROC DATE: POSTED AMOUNT 3,604.35 PRESENTMENT DATE: 01/14/2007 BOOK.: AUX CHECK*: PAYMENT TYPE : PAY BY COMPUTER RETURN SE 0000 ORIGINAL DOA.: RETURN DATE : DEROG EFTA01704658 QEBRD REPOSITORY DETAILED RESULTS R030QEDRD 1227W)6 S-GCSA-10 06/20/07 0000000000000000000000000(00 ABA CUSTOMER BANK: CITIBANK, N. AMOUNT: $ 4,810.34 ACCOUNT NUMBERS POSTED PREPWS: PAID PRESENT SECA: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA* CHECK8 : 0000 TRACER PROC DATE: POSTED AMOUNT 4,810.34 PRESENTMENT DATE: 12/13/2006 BOOKI: AUX CHECKI: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DDA*: RETURN REASON : RETUR1WQ : 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4 -QEBRS 5-QEBRR 7-QEBRM 10-SCR0LL UP 11-SCROLL DOWN End of Record 12 End of Record 12 End of Record 12 EFTA01704659 QEBRO REPOSITORY DETAILED RESULTS R0300EBRD 1227406 S-GCSA-10 06/20/07 0000000000000000000000000(00 ABA CUSTOMER BANK: CITIBANK, N.A. AMOUNT: $ 700.00 ACCOUNT NUMBERS POSTED PRIIIMPSS: PAID PRESENT SEQI: 0000 ACM: N CAPTURE CENTER : WROC ORIGINAL ABAV : RETURN REASON DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PEE: 4-QSBRS 5-0EBRIA 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 13 End of Record CHECK. TRACEI PROC DATE: POSTED AMOUNT 700.00 PRESENTMENT DATE: 12/05/2006 BOOM!: AUX CHECK*: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL 0000 PIRR IM DDAI: RETURN SEQI : 0000 RETURN DATE : DEROG 13 End of Record 13 EFTA01704660 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 122740i S-GCSA-10 06/20/07 0000000000000000000000000(00 ABA': DDA : CUSTOM : CITIBANK, N.A. AMOUNT: 1,000.00 ACCOUNT NUMBERS POSTED PRIIIIWINIS: PAID PRESENT SEQN: 0000 ACM: N CAPTURE CENTER : WROC ORIGINAL ABA4 : RETURN REASON DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS S-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 14 End of Record 14 End of Record 14 CHECK, : 0000 TRACEI PROC DATE: POSTED AMOUNT 1,000.00 PRESENTMENT DATE: 11/26/2006 BOOKi: AUX CHECK*: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DDA4: RETURIM. 0000 RETURN DATE : DEROG EFTA01704661 QEDRD REPOSITORY DETA:L-D RESULTS R030QEBRD 122714)6 S-GCSA-10 06/20/07 0000000000000000000000000(00 ABA DDA CHECK(' : 0000 , AMOUNT: $ TRACE* : IFFIMM CUSTOMER BANK: CITIBANK, N.A. 1500.00 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 1,500.00 PR ENTMENT STATUS: PAID PRESENTMENT DATE: 11/19/2006 PRESENT SEQN: 0000 ACH: N BOOK4: AUK CHECKO: CAPTURE CENTER : WROC PAYMENT TYPE : PAY BY COMPUTER RETURN REASON : RETURIM. 0000 ORIGINAL ABAN ORIGINAL DOAN: DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 15 End of Record 15 End of Record 15 EFTA01704662 QEBRD REPOSITORY DETAILED RESULTS R030QEBRD 1227W)6 S-GCSA-10 06/20/07 0000000000000000000000000100 ABA CUST : ITIBANK, N.A. AMOUNT: $ 868.75 ACCOUNT NUMBERS POSTED PAID PRESENT SEQI: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA} : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA CHECK! : 0000 TRACER PROC DATE: POSTED AMOUNT 868.75 PRESENTMENT DATE: 11/12/2006 BOOK.: AUK CHECKV: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DDAI: RETO 0000 RETURN DATE : DEROG PFK: 4-(1EBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 16 End of Record 16 End of Record 16 EFTA01704663 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CUSTOMER BANK: CITIBANK, N.A. AMOUNT: $ 368.18 CHECK# : 0000 TRACE# : PROC DATE: 1/11/111 IIII ACCOUNT NUMBERS POSTED POSTED AMOUNT 368.18 PRESENTMENT STATUS: PAID PRESENT SEQ#: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA# : PRESENTMENT DATE: 10/24/2006 BOOK#: AUX CHECK#: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704664 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CUSTOMIIIIIIIII CITIBANK, N.A. AMOUNT: $ 1,653.45 CHECK# : 0000 TRACE# : PROC DATE: 111111.11 ACCOUNT NUMBERS POSTED POSTED AMOUNT 1,653.45 PRESENTMENT STATUS: PAID PRESENT SEQ#: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA# : PRESENTMENT DATE: 10/13/2006 BOOK#: AUX CHECK*: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704665 QEBRD REPOSITORY DETAILED RESULTS R030,2EBRD 1228W/6 S-GCSA-10 06/20/07 0000000000000000000000000100 ABA t: DDA CUSTOMS BANK: CITIBANK, N.A. AMOUNT: $ 515.69 ACCOUNT NUMBERS POSTED PAID PRESENT SEW,: 0000 ACM: N CAPTURE CENTER : WROC ORIGINAL ABA! : RETURN REASON DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP " 4" End of Record 19 End of Record CHECK/ : 0000 TRACE/ PROC DATE: POSTED AMOUNT 515.69 PRESENTMENT DATE: 09/15/2006 BOOK.: AUX CHECK!: PAYMENT TYPE : UTER ORIGINAL DDAA: RETURN SEQI : 0000 RETURN DATE : DEROG 11-SCROLL DOWN 19 End of Record 19 EFTA01704666 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1220W/6 S-GCSA-10 06/20/07 0000000000000000000000000(00 ABA CUSTOMER BANK: CITIBANK, N AMOUNT: $ 2,000.00 ACCOUNT NUMBERS POSTED PRESENTMENT STATUS: PAID PRESENT SEQI: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABAI : RETURN REASON DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QESRM 10-SCROLL UP 11-SCROLL DOWN End of Record 20 ****1 End of Record 20 ****** End of Record 20 CHECKS : 0000 TRACE* PROC DATE: POSTED MOUNT 2,000.00 PRESENTMENT DATE: 09/06/2006 BOOKS: AUX CHECKS: PAYMENT TYPE : PAY BY COMPUTER RETURtMt : 0000 ORIGINAL ODA,: RETURN DATE : DEROG EFTA01704667 QEBRD REPOSITORY DETAILED RESULTS R030QEBRD 1228W/6 S-GCSA-10 06/20/07 0000000000000000000000000{00 ABA': DDA : GUSTO! : CITIBANK, AMOUNT: $ 1,800.00 ACCOUNT NUMBERS POSTED PR,.,, PAID PRESENT SWF: 0000 ACM: N CAPTURE CENTER : WROC ORIGINAL ABA! : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QESRM 10-SCROLL UP 11-SCROLL DOWN End of Record 21 End of Record CHECK! TRACE! PROC DATE: POSTED AMOUNT 1,800.00 PRESENTMENT DATE: 08/27/2006 BOOK!: AUX CHECK!: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DDAII:plir REV/ 0000 RETURN DATE : DEROG 0000 21 End of Record 21 EFTA01704668 QEBRO B : CUSTO : CITIBANK, AMOUNT: $ 1,500.00 ACCOUNT NUMBERS POSTED PAID PRESENT SEWN: 0000 ACM: N CAPTURE CENTER : WROC ORIGINAL ABAM : RETURN REASON DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-MBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 23 End of Record 23 End of Record 23 REPOSITORY DETAILED RESULTS R0304(EBRD 1228W/& S-GCSA-10 06/20/07 0000000000000000000000000(00 CHECK# : 0000 TRACE@ PROC DATE: POSTED AMOUNT 1,500.00 PRESENTMENT DATE: 07/28/2006 BOOK.: AUX CHECKI: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DDAI: RETUR 0000 RETURN DATE : DEROG EFTA01704669 OEBAD REPOSITORY DETAILED RESULTS R0500EBRD 1220W/s s-ocsA-10 06/20/07 0000000000000000000000000(00 CUSTOM CITIBANK, N. AMOUNT: 5 1,500.00 ACCOUNT NUMBERS POSTED PRESENTMENT STATUS: PAID PRESENT SEQ.: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABAI : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA CHECKI : 0000 TRACEI PROC DATE: POSTED AMOUNT 1,500.00 PRESENTMENT DATE: 07/15/2006 BOOK*: AUX CHECKI: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DIN*: RETURN. 0000 RETURN DATE : DEROG PFK: 4-QEBRS 5 -QEBRR 7-0EBRN 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 24 ***** End of Record 24 End of Record 24 EFTA01704670 QEBRD REPOSITORY DETAILED RESULTS R030(EBRD 1228W/6 S-GCSA-10 06/20/07 0000000000000000000000000t00 ODA*: CABA USTA M PIP ANK : CITIBANK, CITIB AMOUNT: $ 907.61 ACCOUNT NUMBERS POSTED PRESENTMENT STATUS: PAID PRESENT SEQX: 0000 ACH: N CAPTURE CENTER : WROC: ORIGINAL ABA! : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DONN End of Record 25 End of Record 25 End of Record 25 CHECK! : 0000 TRACE! PROC DATE: POSTED AMOUNT 907.61 PRESENTMENT DATE: 06/13/2006 BOOK!: AUX CHECK!: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DDA#: RETURN ill 0000 RETURN DATE : DEROG EFTA01704671 QEBRO REPOSITORY DETAILED RESULTS R0300EBRD 1228W/5 S-GCSA-10 06/20/07 0000000000000000000000000100 CUSTOM : CITIBANK, N. AMOUNT: 5 1,000.00 ACCOUNT NUMBERS POSTED PR ENTM ES ENT STATUS: PAID PRESENT SEAS: 0000 ACM: N CAPTURE CENTER : WROC ORIGINAL ABAI : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PPM: il-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 26 End of Record 26 End of Record 26 CHECKS : 0000 TRACES PROC DATE: POSTED AMOUNT 1,000.00 PRESENTMENT DATE: 06/03/2006 BOOKS: AUK CHECKS: PAYMENT TYPE : PAY BY COMPUTER RN" ORIGINAL DOA*: RETU 0000 RETURN DATE : DEROG EFTA01704672 QEBRD REPOSITORY DETAILED RESULTS ABA DDAt: CUSTOM : CITIBANK, AMOUNT: $ 1,000.00 ACCOUNT NUMBERS POSTED PAID PRESENT SEAS: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA4 : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 27 End of Record 27 End of Record 27 R03012EBRD 1220W/S, S-GCSA-10 06/20/07 000000000000000000000000000 CHECK. TRACES PROC DATE: POSTED AMOUNT 1,000.00 PRESENTMENT DATE: 05/24/2006 BOOKS: AUX CHECKS: PAYMENT TYPE : PAY BY COMPUTER RR IPP ORIGINAL DDAS: RETU 0000 RETURN DATE : DEROG 0000 EFTA01704673 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1228W/s S-GCSA-10 06/20/07 0000000000000000000000000(00 CUSTOMER BANK: CITIBANK, N. AMOUNT: $ 1,435.07 ACCOUNT NUMBERS POSTED PAID PRESENT SEQI: 0000 ACM: N CAPTURE CENTER : WROC ORIGINAL ABAI : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-0EBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 28 End of Record 28 End of Record 28 CHECK* : 0000 TRACE/ : irminm PROC DATE: POSTED AMOUNT 1,435.07 PRESENTMENT DATE: 05/14/2006 BOOM: AUX CHECK$: PAYMENT TYPE : PAY BY COMPUTER RII IM ORIGINAL DRAT: RETU 0000 RETURN DATE : DEROG EFTA01704674 QEBRD REPOSITORY DETAILED RESULTS ROSOQEBRD 1228W/G S-GCSA-10 06/20/07 0000000000000000000000000(00 ABA(': DDA CUSTOMER BANK: CITIBANK, AMOUNT: $ 4,795.24 ACCOUNT NUMBERS POSTED PRIPIPMPS: PAID PRESENT SE0O: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABAI : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP ***** End of Record 29 ***** End of Record N.A. CHECK(' : 0000 ,0 11 .1 TRACE(' : PROC DATE: POSTED AMOUNT 4,795.24 PRESENTMENT DATE: 04/13/2006 BOOK(': AUX CHECKS: PAYMENT TYPE : PAY BY COMPUTER RETURN 0000 ORIGINAL DDA#: RETURN DATE : DEROG 11-SCROLL DOWN 29 End of Record 29 EFTA01704675 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1228W/4 S-GCSA-10 06/20/07 0000000000000000000000000(00 ABA S: CUSTOMER BANK: CITIBANK, N.A. AMOUNT: 5 1,045.03 ACCOUNT NUMBERS POSTED PRIIIIPPRIIIS: PAID PRESENT SEGO: 0000 RCM: N CAPTURE CENTER : WROC ORIGINAL ABAI : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DONN End of Record 30 End of Record 30 End of Record 30 CHECKS : 0000 TRACES PROC DATE: POSTED AMOUNT 1,045.03 PRESENTMENT DATE: 03/15/2006 800148: AUX CHECKS: PAYMENT TYPE : PAY BY COMPUTER RETURN" 0000 ORIGINAL DDA8: RETURN DATE : DEROG EFTA01704676 QEBRD REPOSITORY DETAILED RESULTS R030EEBRD 1228W/K S-GCSA-10 06/20/07 0000000000000000000000000(00 CUSTOM : CITIBANK, AMOUNT: 5 2,538.18 ACCOUNT NUMBERS POSTED PAID PRESENT SEQA: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABAI : RETURN REASON : DEPOSITORY BANK: MAKER RARE REQUEST QUALITY CONTROL DATA CHECK* : 0000 TRACEI PROC DATE: POSTED AMOUNT 2,538.18 PRESENTMENT DATE: 02/16/2006 BOOKO: AUX CHECK*: PAYMENT TYPE : PAY BY COMPUTER IIIItil ORIGINAL DOAN: RETUR : 0000 RETURN DATE : DEROG PFK: 4-QEBRS 5-QEBRR 7-QEBRN 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 31 End of Record 31 End of Record 31 EFTA01704677 QEBRD REPOSITORY DETAILED RESULTS R030QEBRD 1220W/S S-GCSA-10 06/20/07 0000000000000000000000000(00 ABA DDA CUSTO . CITIBANK, N.A. AMOUNT: 5 1,000.00 ACCOUNT NUMBERS POSTED PRESENTMENT STATUS: PAID PRESENT SEQN: 0000 ACH: N CAPTURE CENTER WROC ORIGINAL ABA1 : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP ***** End of Record 32 ***** End of Record CHECK* : 0000 TRACER PROC DATE: POSTED AMOUNT 1,000.00 PRESENTMENT DATE: 02/01/2006 BOOKf: AUX CHECKf: PAYMENT TYPE : PAY BY COMPUTER BIP ORIGINAL DDAI: RETU 0000 RETURN DATE : DEROG 11-SCROLL DOWN 32 End of Record 32 EFTA01704678 QEBRD REPOSITORY DETAILED RESULTS R030QEBRD 1228N/& S-GCSA-10 06/20/07 0000000000000000000000000400 CUSTOMER- BANK: CITIBANK, N. AMOUNT: $ 938.19 ACCOUNT NUMBERS POSTED PRUIIIIIIIIIIIIIIS: PAID PRESENT SEQS: 0000 ACM: N CAPTURE CENTER : WROC ORIGINAL ABA4 : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-0EBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 33 End of Record 33 ****** End of Record 33 CHECKS : 0000 TRACES PROC DATE: POSTED AMOUNT 938.19 PRESENTMENT DATE: 01/17/2006 BOOKS: AUK CHECKS: PAYMENT TYPE : PAY BY COMPUTER RETURN. 0000 ORIGINAL DDAT: RETURN DATE : DEROG EFTA01704679 QEBRD REPOSITORY DETAILED RESULTS R030QEDRD 1228W/6 S-GCSA-10 06/20/07 0000000000000000000000000(00 CUSTOM : CITIBANK, •N AMOUNT: $ 3,000.00 ACCOUNT NUMBERS POSTED PRESENTMENT STATUS: PAID PRESENT SEQI: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA! CHECK! : 0000 TRACE! PROC DATE: POSTED AMOUNT 3,000.00 PRESENTMENT DATE: 01/11/2006 BOOK!: AUX CHECK!: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DDAW: RETURN REASON : RETUR1MPQ : 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-0EBRR T-QEBRH 10-SCROLL UP 11-SCROLL DOWN ****• End of Record 34 End of Record 34 ****** End of Record 34 EFTA01704680 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1229(476 S-GCSA-10 06/20/07 0000000000000000000000000(00 CUSTOMER CITIBANK, N. AMOUNT: 5 4,195.38 ACCOUNT NUMBERS POSTED PAID PRESENT SEC.: 0000 ACM: CAPTURE CENTER : WROC ORIGINAL ABAII : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-OEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 35 "'" End of Record 35 End of Record 35 CHECKS : 0000 TRACED : gimpitm PROC DATE: POSTED AMOUNT 4,195.38 PRESENTMENT DATE: 12/14/2005 BOOKS: AUX CHECKS: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL RETURIIIIIIII 0000 MAI: RETURN DATE : DEROG EFTA01704681 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1229W7S S-GCSA-10 06/20/07 0000000000000000000000000100 ABAO: ANA, CUSTOM CITIBANK, N.A. AMOUNT: 4,045.87 ACCOUNT NUMBERS POSTED PRIIIIMPIMIS: PAID PRESENT SEQP: 0000 ACM: N CAPTURE CENTER : WROC ORIGINAL ABA! : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-0EERM 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 36 ***** End of Record 36 End of Record 36 CHECK! : 0000 TRACES/ PROC DATE: POSTED AMOUNT 4,045.87 PRESENTMENT DATE: 11/15/2005 BOOK!: AUX CHECK*: PAYMENT TYPE : PAY BY COMPUTER RETURN. 0000 ORIGINAL DDAO: RETURN DATE : DEROG EFTA01704682 QEBRD ABA CUSTOMER BANK: CITIBANK, N.A. AMOUNT: $ 2,188.95 ACCOUNT NUMBERS POSTED PRIPPIPPANS: PAID PRESENT SEQ8: 0000 ACM: N CAPTURE CENTER : WROC ORIGINAL ABAB : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-0EBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 37 End of Record 37 End of Record 37 REPOSITORY DETAILED RESULTS R0300EBRD 1229RU S-GCSA-10 06/20/07 0000000000000000000000000(00 CHECKS : 0000 TRACES PROC DATE: POSTED AMOUNT 2,188.95 PRESENTMENT DATE: 10/17/2005 BOOK.: AUX CHECKS: PAYMENT TYPE : PAY BY COMPUTER RIIIIP ORIGINAL DDA8: RETU 0000 RETURN DATE : DEROG EFTA01704683 QEBRD CUSTOMER BANK: CITIBANK, AMOUNT: S 1,236.69 ACCOUNT NUMBERS POSTED N.A. REPOSITORY DETAILED RESULTS R0300EBRD 1229W7I S-GCSA-10 06/20/07 0000000000000000000000000(00 PRIWNW.PATA S: PAID PRESENT MI: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA, : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-0EBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 38 End of Record 38 End of Record 38 CHECK* : 0000 TRACE! PROC DATE: POSTED AMOUNT 1,236.69 PRESENTMENT DATE: 09/13/2005 BOOM AUX CHECK#: PAYMENT TYPE : PAY BY COMPUTER RIM ORIGINAL ODA.: RETU . 0000 RETURN DATE : DEROG EFTA01704684 QEBRD A COST Mz a CITIBANK, N. AMOUNT: 5 5,597.43 ACCOUNT NUMBERS POSTED PAID PRESENT SECO: 0000 ACM: N CAPTURE CENTER : WROC ORIGINAL AEAV : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 39 End of Record 39 End of Record 39 REPOSITORY DETAILED RESULTS R030QEBRD 1229W76 S-GCSA-10 06/20/07 0000000000000000000000000(00 CHECKI : 0000 TRACEI PROC DATE: POSTED AMOUNT 5,597.43 PRESENTMENT DATE: 00/16/2005 BO0K4: AUX CHECK4: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DDAII: AETUR 0000 RETURN DATE : DEROG EFTA01704685 QEBRD CUSTOMER BANK: REPOSITORY DETAILED RESULTS R0300EBRD 1229'476 S-GCSA-10 06/20/07 0000000000000000000000000100 DDA : CITIBANK, N.A. AMOUNT: S 1,476.91 ACCOUNT NUMBERS POSTED PRESENTMENT STATUS: PAID PRESENT SECA: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA* : RETORN REASON DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA CHECK! : 0000 TRACE! PROC DATE: POSTED AMOUNT 1,476.91 PRESENTMENT DATE: 07/14/2005 BOOK!: AUX CHECK!: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL ODA': RETURMQ ; 0000 RETURN DATE : DEROG PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 40 ***** End of Record 40 End of Record 40 EFTA01704686 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1229W?6 S-GCSA-10 06/20/07 0000000000000000000000000{00 CUSTOMER BANK: CITIBANK, N.R. AMOUNT: $ 2,395.18 ACCOUNT NUMBERS POSTED PAID PRESENT SEQN: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABAI :- RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRN 10-SCROLL UP 11-SCROLL DOWN End of Record 41 End of Record 41 ""*" End of Record 41 CHECK* : 0000 TRACE/ PROC DATE: POSTED AMOUNT 2,395.18 PRESENTMENT DATE: 06/24/2005 BOOKI: AUX CHECKII: PAYMENT TYPE : PAY BY COMPUTER all. ORIGINAL DOA.: RETUR 0000 RETURN DATE : DEROG EFTA01704687 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1229147$ S-GCSA-10 06/20/07 0000000000000000000000000(00 ABA DDA : CUSTOMER K: CITIBANK, N. AMOUNT: 5 2,208.78 ACCOUNT NUMBERS POSTED PRI MI W IIP T .US: PAID PRESENT SEQN: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA. : RETURN REASON DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-0EBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 42 End of Record 42 End of Record 42 CHECK# : 0000 TRACER PROC DATE: POSTED AMOUNT 2,208.78 PRESENTMENT DATE: 06/13/2005 BOOKN: AUX CHECKN: PAYMENT TYPE : PAY BY COMPUTER RETURN. 0000 ORIGINAL DDA#: RETURN DATE : DEROG EFTA01704688 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1229W?$ S-GCSA-10 06/20/02 0000000000000000000000000100 ABAI: DDAI: CUST BANK: CITIBANK, N.A. AMOUNT: $ 1,552.16 ACCOUNT NUMBERS POSTED PRESENTMENT STATUS: PAID PRESENT SEQI: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABAI : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-OEBRM 10-SCROLL UP End of Record 43 End of Record CHECK* : 0000 TRACE0 : 05/ PROC DATE: / 105 POSTED AMOUNT 1,552.16 PRESENTMENT DATE: 05/13/2005 BOOKO: AUX CHECKI: PAYMENT TYPE : PAY BY COMPUTER P ORIGINAL DDAN: RETURIM 0000 RETURN DATE : DEROG 11-SCROLL DOWN 43 End of Record 43 EFTA01704689 QEDRD REPOSITORY DETAILED RESULTS R0300EBRD 12294M S-GCSA-10 06/20/07 0000000000000000000000000(00 ABA DDA CUSTOMER BANK: CITIBANK, N.A. AMOUNT: $ 1,263.67 ACCOUNT NUMBERS POSTED P lt• R ITSTATU SEN7 S: PAID PRESENT SEQV: 0000 ACH: N CAPTURE CENTER : NROC ORIGINAL ABAO : RETURN REASON DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 44 End of Record 44 End of Record 44 CHECKi : 0000 TRACEI : . PROC DATE: .11 11 POSTED AMOUNT 1,263.67 PRESENTMENT DATE: 04/14/2005 BOOKt: AUX CHECK*: PAYMENT TYPE : PAY BY COMPUTER RETURIM 0000 ORIGINAL DDAI: RETURN DATE : DEROG EFTA01704690 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1229W74 S-GCSA-10 06/20/07 0000000000000000000000000(00 ABA*: DDA : CUSTOMER BANK: CITIBANK, N.A. AMOUNT: $ 4,316.03 ACCOUNT NUMBERS POSTED PAID PRESENT SEQ6: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA4 : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA P1K: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 45 **•** End of Record 45 End of Record 45 CHECK* : 0000 TRACER : pflipaM PROC DATE: POSTED AMOUNT 4,316.03 PRESENTMENT DATE: 03/14/2005 BOOK*: AUX CHECKI: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DOAN: RETURIMP 0000 RETURN DATE : DEROG EFTA01704691 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1229W?& S-GCSA-10 06/20/07 0000000000000000000000000100 CUSTOM CITIBANK, AMOUNT: $ 3,773.17 ACCOUNT NUMBERS POSTED PAID PRESENT SEW,: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABAI RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 46 ***** End of Record 46 End of Record 46 CHECK. : 0000 TRACE/ : PROC DATE: POSTED AMOUNT 3,773.17 PRESENTMENT DATE: 02/24/2005 BOOK*: AUX CHECK*: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DDA11: RETURM. 0000 RETURN DATE : DEROG EFTA01704692