EFTA Document EFTA01704693

QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: CUSTOMIPPIPICITIBANK, N.A. AMOUNT: $ 9,239.88 CHECK# : 0000 TRACE# : PROC DATE: M illita ACCOUNT NUMBERS POSTED POSTED AMOUNT 9,239.88 PRESENTMENT STATUS: PAID PRESENT SEQ#: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA# : PRESENTMENT DATE: 01/29/2005 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 EFTA01704693 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1230W$6 S-GCSA-10 06/20/07 31129389532% 0000000000000000000000000100 9999003712/26/2004437974513000000000 ABA.: CHECK! : 0000 CUSTOMER BANK: CITIBANK, N. TRACER : 200412241300000 AMOUNT: $ 4,303.21 PROC DATE: 12/23/2004 ACCOUNT NUMBERS POSTED POSTED AMOUNT 4,303.21 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 12/23/2004 PRESENT SEQ!: 0000 ACE: N BOOK!: AUX CHECK!: CAPTURE CENTER : WROC PAYMENT TYPE : PAY BY COMPUTER ORIGINAL ABA! ORIGINAL DDAV: RETURN REASON : RETU 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 End of Record 48 End of Record 48 End of Record 48 EFTA01704694 QEBRD REPOSITORY DETAILED RESULTS R0300MBRD 1230W$& S-GCSA-10 06/20/07 37129389532% 0000000000000000000000000(00 9999003611/16/2004413947095000000000 ASAP: ODA. CHECK1 : 0000 CUSTOM CITIBANK, TRACES 111111.11M AMOUNT: $ 2,898.26 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 2,898.26 PAID PRESENTMENT DATE: 11/13/2004 PRESENT SEQ#: 0000 ACM: N BOOK#: AUX CHECKM: CAPTURE CENTER : WROC PAYMENT TYPE : PAY BY COMPUTER ORIGINAL ABA* : ORIGINAL DDA#: RETURN REASON : RETURN SEQI : 0000 DEPOSITORY BANK: RETURN DATE MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRI4 10-SCROLL UP 11-SCROLL DOWN End of Record 49 End of Record 49 ****** End of Record 49 EFTA01704695 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 123006 S-GCSA-10 06/20/07 371293895324 0000000000000000000000000(00 9999003510/19/2004397568877000000000 ABA4: ODA,: CHECK* : 0000 CUSTOMER BANK: CITIBANK, N.A. TRACE4 AMOUNT: $ 934.39 PROC DATE: 1. 11101 4 ACCOUNT NUMBERS POSTED POSTED AMOUNT 934.39 PR S: PAID PRESENTMENT DATE: 10/17/2004 PRESENT SEW(' 0000 ACM: N BOOKI: AUX CHECK*: CAPTURE CENTER : *ROC PAYMENT TYPE : PAY BY COMPUTER ORIGINAL ABA4 : ORIGINAL DOA*: RETURN REASON RETURN SEQI : 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 End of Record 50 End of Record 50 ****** End of Record SO EFTA01704696 QEBRO REPOSITORY DETAILED RESULTS R0300EBRD 1230104 S-GCSA-10 06/20/07 37129389532% 0000000000000000000000000(00 9999003409/24/2004383421255000000000 ABA4: DDAN: CHECKS, : 0000 CUSTOMER BANK: CITIBANK, N.A. TRACES, AMOUNT: $ 9,134.85 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 9,134.85 P 3: PAID PRESENTMENT DATE: 09/22/2004 PRESENT SEAN: 0000 ACM: N BOOK#: AUX CHECK#: CAPTURE CENTER : WROC PAYMENT TYPE : PAY BY COMPUTER ORIGINAL ABA4 : ORIGINAL DDAf: RETURN REASON : RETURIM. 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 ***** End of Record 51 ***** End of Record 51 End of Record 51 EFTA01704697 QEBRD REPOSITORY DETAILED RESULTS R030QEBRD 123011$8 S-GCSA -10 06/20/07 37129389532i 0000000000000000000000000100 9999003308/28/2004368607398000000000 AINTAIIIIIII MAI: CHECK, : 0000 COS : CITIBANK, N.A. TRACE! :IMINAM AMOUNT: $ 7,277.63 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 7,277.63 PRNIIII IIIRS: PAID PRESENTMENT DATE: 08/26/2004 PRESENT SEQA: 0000 ACH: N BOOK.: AUX CHECK!: CAPTURE CENTER : WROC PAYMENT TYPE : PAY BY COMPUTER ORIGINAL ABA! : ORIGINAL ODA.: RETURN REASON : MUM" 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME : DEROG . REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS S-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 52 End of Record 52 End of Record 52 EFTA01704698 OEBRD REPOSITORY DETAILED RESULTS 11030QEBRD 1230W$4 S-GCSA-10 06/20/07 371293895321 0000000000000000000000000(00 9999003207/21/2004346409431000000000 ABA4: DDAII CHECK! : 0000 CUSTOMER BANK: CITIBANK, N.A. TRACE! AMOUNT: $ 4,574.18 PROC DATE: ACCOUNT NUMBERS POSTED PRIMPII IMIL: PAID PRESENT SEQI: 0000 ACH: N CAPTURE CENTER : WROC ORIGINAL ABA4 : RETURN REASON : DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PPK: 4-QEBRS 5-0EBRR 7-QEBRN 10-SCROLL UP 11-SCROLL DOWN End of Record 53 End of Record 53 End of Record 53 POSTED AMOUNT 4,574.18 PRESENTMENT DATE: 07/20/2004 BOOK!: AUX CHECK*: PAYMENT TYPE : PAY BY COMPUTER ORIGINAL DDAM: RETURN MI li 0000 EFTA01704699 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1230W$& S-GCSA-10 06/20/07 371293895328 0000000000000000000000000{00 9999003106/18/2004327341453000000000 ABAS: DDAI: CUSTOMER BANK: CITIBANK, N.A. AMOUNT: $ 4,252.38 ACCOUNT NUMBERS POSTED CHECK* : 0000 TRACE/ IFIREM PROC DATE: POSTED AMOUNT 4,252.38 PRININWS: PAID PRESENTMENT DATE: 06/16/2004 PRESENT SECS: 0000 ACE: N BOOKS: AUX CHECKS: CAPTURE CENTER : NROC PAYMENT TYPE : PAY BY COMPUTER : RN!" ORIGINAL ABAS : ORIGINAL ODA': RETURN REASON RETU 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PER: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 54 ***** End of Record 54 ****** End of Record 54 EFTA01704700 QEBRD REPOSITORY DETAILED RESULTS R030QEBRD 12301(66 S-GCSA-10 06/20/07 37129389532% 9999003005/22/2004312338910000000000 0000000000000000000000000(00 ABA#: DOA*: CHECK* : 0162 CUSTOMIII IIIIIICITIBANK, NIIIIIIII TRACES AMOUNT: 6,018.69 ACCOUNT NUMBERS POSTED PROC DATE: POSTED AMOUNT 6,018.69 PRESENT SECS: 0000 PAID ACH: N PRESENTMENT DATE: 05/21/2004 BOOK*: 0147 AUX CHECK,: CAPTURE CENTER ORIGINAL ABAI : NJREM : PAYMENT TYPE : PAPER ORIGINAL DDAI: SIR RETURN REASON : RETU 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DONN End of Record 55 End of Record 55 ****" End of Record 55 EFTA01704701 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1230056 S-GCSA-10 06/20/07 37129389532% 9999002904/24/2004296013294000000000 ABAI: DDAI: CUSTOMER DANK: CITIBANK, N.A. AMOUNT: 5 1,895.10 ACCOUNT NUMBERS POSTED PRIIIMARINIS: PAID PRESENT SEQI: 0000 ACH: N CAPTURE CENTER : NJELEM ORIGINAL ABA. : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-0EBRI4 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 56 ***** End of Record 56 ****** End of Record 56 0000000000000000000000000(00 CHECKV : 0161 PRIM DATE: 1. 11 TRACE* : POSTED AMOUNT 1,895.10 PRESENTMENT DATE: 04/23/2004 BOOK*: 0138 AUK CHECK*: PAYMENT TYPE : PAPER REMA IN/I' 0000 ORIGINAL DOA*: RETURN DATE : DEROG EFTA01704702 OEBRD REPOSITORY DETAILED RESULTS R03011EBRD 1231W116 S-GCSA-10 06/20/07 37129389532% 0000000000000000000000000100 9999002803/24/2004277976719000000000 ABAI: ODA!: CHECK! : 0159 CUSTOM IN :CITIBANK, TRACE! : fimim AMOUNT: $ 2,253.19 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 2,253.19 PAID PRESENTMENT DATE: 03/23/2004 PRESENT SEAM: 0000 ACH: N BOOK!: 0081 AUX CHECK!: CAPTURE CENTER : NJREM PAYMENT TYPE : PAPER ORIGINAL ABA! : ORIGINAL DDA4: RETURN REASON : RETURN PP 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 End of Record 57 End of Record 57 End of Record 57 EFTA01704703 QEBRD REPOSITORY DETAILED RESULTS R030QEBRD 1231WAIS S-GCSA-10 06/20/07 37129389532% 0000000000000000000000000(00 9999002702/21/2004258931014000000000 ABAN: DDA1:1,11IIIII CHECK% : 0158 CUSTOMER BANK: CITIBANK, TRACE% AMOUNT: S 2,957.04 PROC DATE: 1.11 4 ACCOUNT NUMBERS POSTED POSTED AMOUNT 2,957.04 PAID PRESENTMENT DATE: 02/20/2004 PRESENT SEQI: 0000 ACM: N BOOKI: 0132 AUX CHECKV: CAPTURE CENTER : NJREN PAYMENT TYPE : PAPER ORIGINAL ABAI : ORIGINAL ODA*: RETURN REASON ; RETORT"' 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-0EBRS 5-QEBRR 7-0EBRM 10-SCROLL UP 11-SCROLL DOWN "*" End of Record 58 End of Record 58 End of Record 58 EFTA01704704 QEBRD REPOSITORY DETAILED RESULTS R030QEBRD 1231W1:6 S-GCSA-10 06/20/07 37129389532% 0000000000000000000000000(00 9999002601/22/2004241903772000000000 ABA! * IIII DDAI: CUS NK: CITIBANK, AMOUNT: 2,762.59 ACCOUNT NUMBERS POSTED PRESENTMENT STATUS: PAID PRESENT SE04: 0000 ACH: CAPTURE CENTER : NJREM ORIGINAL AEA! : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL ***** End of Record 59 End of Record 59 CHECK! : TRACEi PROC DATE: POSTED AMOUNT 2,762.59 PRESENTMENT DATE: 01/21/2004 BOOK!: 0161 AUX CHECK!: PAYMENT TYPE : PAPER ORIGINAL DOA.: RETURN RETURN DATE : DEROG 0156 IPPR IM M 0000 DOWN End of Record 59 EFTA01704705 QEBRD REPOSITORY DETAILED RESULTS R03011BORD 1231106 S-GCSA-10 06/20/07 371293895321 0000000000000000000000000(00 9999002101/19/2004236105345000000000 ABA4: DDA4: CHECK(' : 0146 CUSTOM CITIBANK, H. . TRACE* AMOUNT: $ 1,030.49 PROC DATE: ACCOUNT NUMBERS POSTED PRESENTMENT STATUS: PAID PRESENT SE04: 0000 ACM: N CAPTURE CENTER : NYRCS ORIGINAL ABA4 : RETURN REASON : DEPOSITORY BANK: MAKER NAME REQUEST QUALITY CONTROL DATA PFR: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 60 End of Record 60 End of Record 60 POSTED AMOUNT 1,030.49 PRESENTMENT DATE: 08/24/2003 80010: 2603 AUX CHECK,: PAYMENT TYPE : PAPER ORIGINAL DWI: RETURM IL. RETURN DATE : DEROG EFTA01704706 Blue for Business'~ Pr For Previous Relame S 0.00 Total Credt Line $ 11,300.00 DUPLICATE COPY OPEN SMALL BUSINESS NETWORK" 1164.02***0**11452.0TheK0 andilltiOar Melina (WOW standing. New Ad* $ Adhatnerts alb $ Fenstee Cher I ary +23.92 Axounl Nurixt awing Endo 01/02/04 New Bata $ -23.92 "1"vitt_mk,vt331a raprimersmii ,ardse IPOSibSAvaliabie Minimum Amount Due S • • is.po. Credit Line Summary on 01/02/04 Available Credt Line $ 11,276.08 Cash Advance Limit $ 2,300.00 Available Cash Limit $ 2,300.00 Page 1 of 5 Payment Due Date 01/27/04 Please refer to page 2 for important information regarcing your account To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity nfiessP"thads Total of Payment Activity Amount S 0.00 te r Amounts 23.92 12/17/03 MONTGOMERY COUNTY DLGERMANTOWN MD PACKAGE STORE/UOUOR ROC No. 0000000183 0% INTRO RATE Total of New Activity 23.92 Finance Charges Billing days this period: 31 Purchases Cash Advances Average Daily Balance $ Daily Actual ANNUAL Nominal ANNUAL Periods Rate PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGES 0.00 0.0383% 0.00% 13.99% 0.00 0.00 0.0520% 0.00% 18.98% 0.00 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. Remember, your introductory rate applies for all new purchases for your first 6 months of membership. + Pros.° NU co the potato, tee, caw, and ;Mum will me mown + Payment Coupon 7-1450 I„ ItIII,tilt,1,l„tlltttlt,tlltlrtltltltlirrtirrl,rlrrlrlrrll Mail Payment to: Payment Due Date: 01/27/04 Total New Balance $ 23.92 Minimum Amount Due $15.00 • I Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 Illit tilli lit ir I I I ill luIll rill III Please enter account number on al checks and correspondence. Make check payable to American Express. To avoid additional Finance Charges on Purchases, pay the New Balance before the Payment Due Date. Check here if address or telephone minter has changed. Note changes on reverse side. 000002392000001500 02 rl EFTA01704707 DUPLICATE COPY Pr carry EMs Page 2 of 5 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments,by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we can not collect the funds electronically at first presentment we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments: By using the American Express Pay By Computer Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express to Initiate an electronic debt to the financial account you specify in the amount you newest. To use Pay B.y Computer, please visit us at www.arnericanexpresscom. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your paper statement or dick on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service Office or call anylocal American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance method to calculate Finance Charges on your Account. Under ars method,we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daly Balance (as describedbelow) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Seance for each feature, we (1) take the beginning balance for the feature each day (including unpaid Finance Charges from previous billing periods), (2) add any new transactions, debits, or fees (3) subtract any payments or credits, anc1(4) make any appropriate adjusts,* . For each day after the first day of the billing pencid, we also add an amount of interest equal to the previous days daily balance multiplied .by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, i is considered to be zero. Then, we add up all the daily balances for the feature for the biting period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Cue Date shown on that statement. If you multi* the Average Daly Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the tiling period caictiated Py gang the Finance Charges assessed on an features of the Account. This method of calculating the Average Dray Balance and Finance Charoi results in daily compoundingof Finance Charges. The minimum Finance Charge for any billing periodin which Finance Charges are imposed is $0.50. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpess.com, a you can call us at I -800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address imitated on your statement. II ycu think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dolar amount of the suspected error, 3. Describe the error or the transfer you are unsure of, and explain as (teeny as you can why you believe there is an error or whyyou need more information. We will investigate scour complaint and cared any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative listing of credtcard rates, fees and grace periods by calling 1-800-518-8866. Changer of Addrezz If correct on [tort do not use Name Company Name Street Address ay. S1210 Zip Cede Ares Code and Hare Phone Area Code and Work Phone Email II r I I n I To Pay By Phone 1-800.472.9297 Customer Service 1-877-258-3254 24 hoursf7 days Lost or Stolen Card 1-800-521-6121 international Collect 1.623.492-7719 Hearing (9am-5pm Impaired 1TY: 1-800 EST) -221-9950 FAX: 1400-695-9090 In NY: 1-800-522-1897 Correspondence Customer Service P.O. Box 7883 Ft. Lauderdale, FL 33329.7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing your email address to American Express will enable you j to receive special offers, suited to your needs. EFTA01704708 For questions about your Membership Rewards account, contact 1-800-AXP-EARN. (297-3276) wvAv.amedcanexpress.conVrewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329.9785 MembeNfilffillefiliffis Options' Monthly Statement and Program News Statement Period November 1, 2003 - November 30, 2003 Account activity after this period does not appear on this statement Available Points 433 Points are availatie when charges are paid in full and all your accounts are in good staid% Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 111. +322 0 0 433 New Points Earned 11/01/03 - 11/30/03 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Mai Totals 322 0 322 322 0 322 Perntershp Amu& Optiens po14 earned may bo Strewed or redeemed St bog as ad odndal Cad accoura ace in good elarang Feat irombried Ce toderencdOWIAC4 be mimed back into the plegtarfi. Forfeited points can be ritinetited tore he by calling the number provided below. Elgigie Cad <huge, are outined in the Wombershp Amer& Optima pogrom Tema and Carob:as in war Merrbeethip Ronnie,' C;dons CLAdo. d ye° bare qualara ple.vve van wvneaunerieenexprestoorntmemberehiptewardeoplons of all 1 -903-AXP-EAFIN (2973276). Fran weneca calcolea 34:6416-2799. AMC:testa eirri far ME m p. EACALe Rig :0 1 AMC% itan er DI ea, Earn More! New ways to earn points. IMPORTANT NOTICE OF MEMBERSHIP REWARDS OPTIONS® PROGRAM CHANGES For each transfer of points into the Frequent Flyer program of a US airline, a fee of $0.0004 per two points, with a maximum fee of $50, will be charged to your Card account. We charge this fee to offset the federal excise tax we must pay on such transfers. The fee may be more or less than the actual amount of the excise tax we pay on any individual transfer. IMPORTANT NOTICE OF MEMBERSHIP REWARDS® PROGRAM CHANGES Effective March 15, 2004, 1) the fee to reinstate points forfeited for late payment will increase to $29 for each month of points reinstated, 2) for Cardmembers who cancel their Membership Rewards enrollment (or all Card Accounts enrolled in the program), but still have one Card account open, the time period to redeem accrued points will change from 6 months to 30 days, 3) for each Corporate Card linked to a Membership Rewards account with another enrolled charge Card, the additional annual fee will increase to $35. Page 3 of 5 A, Expredia• r?"`, .. ; A CM [II RR 5 Please note important program changes. (MR Message 1290) Please note important program changes. (MR Message 6288) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. 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Purchases must be made on an enrolled American Express" Card. Bonus pokes will be credited to the account in 10-12 weeks after charges appear on your monthly tilling statement. Bonus ID: 4379. OPEN SMALL BUSINESS NETWORK' Discover the new benefits of being part of the OPEN Network and book your next trip online at open.amerIcanexpress. comnousinesstravel (CE 104117) Save 30% on Business Incorporation & Related Services Business Filings provides you with everything you need to easily form a corporation, LLC, or nonprofit in any state. If your company is expanding, and you need to register to transact business in other states, Business Filings can prepare and file your certificate of authority. Business Filings also provides registered agent services, federal EINs, and can help prepare the necessary form to elect S corporation status. Business Filings Incorporated Is an incorporation service provider, not a law firm and cannot provide legal advice. State filing fees excluded from discount. Discount requires payment with an American Express" Business Card. Offer and participation subject to change without notice. Business Filings To leant more about Business Filings' offerings and to take advantage of the exclusive 30% discount offered to members of OPEN: The Small Business Network", log on to openemerIcanexpress. comnsizfillngs12 (CE 104157) Get a $10,000 to $100,000 Line of Credit There are so many things that can require a quick infusion of cash. Luckily, as a member of the OPEN Network, the Business Capital Line is there for you. Whether you're looking to invest in new office equipment, or just make payroll, the Business Capital Line is a great way to give your business the flexibility to handle almost anything. The application is simple and takes less than ten minutes to complete. And best of all, NO collateral is required and 100% of your line is available as cash. Apply today. Subject to credit approval, not all customers may qualify. All applicants must have been in business for at least 2 years. Once approved the status of your account will be reviewed annually. Upon review you may be contacted to provide adcitional information. OPEN WAIL BUSINESS IIETWOBW Call 1-800.276.2504 to apply. Or for more information, visit open.amerIcanexpress. comillneofcreditrapply (CE 104119) Maximize Savings. Consolidate Expenses. By adding Cards for your employees to your Account, you can consolidate virtually all of your business purchases onto one statement. Plus, with Expense Management Reports you can track spending by employee and category, which can be especially beneficial during tax season. Additional Cards can also increase your savings when your employees use their Card at our Everyday Savings* participants where they will enjoy the same ongoing savings as you do. To apply or for further information, call 1-877-770-2639. OPEN SMALL BUSINESS NETWORK' •Terms and Conditions apply. To apply or for further information, call 1.877.770.2639. (CE 104112) Use your Card and Help Re-Open the Statue of Liberty! The Statue of Liberty needs funding to make security upgrades before she can be re-opened to the public. At OPEN: The Small Business Network°. from American Express, we've made it easy for you to help—every time you use your Business Card throughout December and January, a donation will be made to the Statue of Liberty-Ellis Island Foundation.* OPEN SWILL BUSINESS NETWORK" •American Express will donate up to $2,500,000 to The Statue of Liberty Foundation, inc. based on one cent per eligible Card purchase between December 1, 2003 and January 31, 2004. Eligible Card purchases include all purchases made with an American Express Business Card from OPEN: The Small Business Network" or a personal American Express" Card. Use your American Express' Business Card and help re-open the Statue of Liberty. (CE 104115) 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. EFTA01704711 DUPLICATE COPY Blue for Business" OPEN SMALL BUSINESS NETWORK' Membership Rewards€ Points 'Available at 02/02./X when charges we paid and all your accounts, are in good standing.. Preaucd F ti Previous BalarceS Payment AcinlrS Non Acivky $ ArWstmuft ard From, Olatuos an/ AftreNNWMIDOC Now &Orme $ aceing OMo 02/02/04 Minimum Amount Due S Page 1 of 8 Payment Due Date 02/27/04 Please refer to page 2 for important information regarding your account 23.92 -23.92 +50.55 -50.55 15.00 Credit Line Summary on 02/02/04 Total Credt Line $ 11,300.00 Available Crectt Line $ 11,249.45 Cash Advance Limit $ 2,300.00 Avalable Cash Limit $ 2,300.00 Effective March 15th, 2004 significant changes to the Membership Rewards® program will be implemented. Please refer to your Membership Rewards point summary statement for further details. If you have questions regarding these changes, please contact Membership Rewards at americanexpress.com/rewards or 1-800-AXP-EARN (297-3276). To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity 'rea" "ten*. Amami S .04164M,faX00aeee*Yrhilywroi60 -23;02,:i Saila Amount!, 01/29/04 GIANT FOOD #245 GERMANTOWN MD 00 003045788 GROCERIES/SUNDRIES ROC No. 000000 0% INTRO RATE y •- .Ait<3. •t.gatrza. 4.18 01/30/04 GIANT FOOD #245 GERMANTOWN MO 00 003150501 GROCERIES/SUNDRIES ROC No. 000000 0% INTRO RATE 4637 Total of New Activity 60.55 Pleasetiski on the perkraicn tebw, deNch ard Sum with your prrwri Payment Coupon darn hddlludnhh,0.d.AhddddhAdAddull Mail Payment to: Payment Due Date; 02/27/04 Total New Balance $ 50.5.5 Minimum Amount Due $15.00 • Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 LA.0.A.M.H.0.dholl I Continued on Page 3 Please enter account number on a0 checks and correspondence. Make check payable to American Express. To avoid additional Finance Charges on Purchases, pay the New Balance before the Payment Due Date. Check here if address or telephone number has changed. Note changes on reverse side. 000005055000001500 02 ri EFTA01704712 DUPLICATE COPY Pi ‘d Page 2 of 8 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Defers and drawn on a bank located in the US (other than American Express Centurion Bank). If you are not paying electronically or by phone, pease submit your payment in the enclosed envelope with the remittance stub attached and account number incicated on the check. Please do not send post-dated checks. They wilt be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments, bytransmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debted as soon as the same day we receive your payment. If we can not collect the funds electronically at first presentment we may issue a draft againSt your account for the amount of the check Authorization for Electronic Payments: By using the American Express Pay By Computer Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express to initiate an electronic debt to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at wvnv.amencanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indcated on your paper statement, or tick on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daly Balance methodto calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily pericdic rate to the Average Daily Balance (as describe elow) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (inducing current transactions). To get the Average Daily Balance for each feature, we (1n take the beginning balance for the feature each day (including unpaid Finance Charges from previous billing periods), 2) add any new transactions, debts, or fees, (3) eu.btract any payments or credits, and (4) make any appropriate adjustme s. For each day after the first day of the billing perroci, we Aso add an amount of interest equal to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the bang period and divide the total by the number of days in the biting period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance wit be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the baling period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the tilling period is calculated by adding the Finance Charges assessed on at features of the Account. This method of calculating the Average Daily Balance and Finance Charge results In daily compounding of Finance Charges. The minimum Finance Charge for any billing pared in which Finance Charges are imposed is 50.50. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open .americanexpress.com or you can call us at 1.800.IPA'-AXP for Pay By Phone and Pay By Computer issues, or 1-803-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FiRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as dearly as you can why you believe there is an error or wrwyou need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor. American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain acomparative listing of credo card rates, fees and grace periods by calling 1-B00-518-8866. Change or Address II correct en Peet do not Leo Warne Company Name Street kid( 144 Cey, slate Zip Cede Area Code and Hate Phone Area Cade ono Week Phone (maul L I I _LI 1 P To Pay By Phone 1-800-472-9297 Customer Service 1-877-258-3254 24 hours!? days Lost or Stolen Card 1.800-521-6121 International Coiled 1-623-492-7719 Hearing Impaired (gam-Spm EST) TTY: 1-600221-9950 FAX: 1-800695-9050 In NY: 1-800.522-1897 • Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing your email address to American Express will enable you j to receive special offers, suited to your needs. EFTA01704713 DUPLICATE COPY Pr ad For A”xrd Phrntow electing 02/02/04 Page 3 of 8 II Finance Charges Billing days this period: 31 PurchaseS Cash Advances Average Daily Daily Actual ANNUAL Nominal ANNUAL Period c Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ 0.00 0.0383% 0.00% 13.99% 0.00 0.00 0.0520% 0.00% 18.98% 0.00 0.00 Certain of the periocic rates arid 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 Remember, your introductory rate applies for all new purchases for your first 6 months of membership. EFTA01704714 DUPLICATE COPY 999)A:cr000n Page 4 of 3 EFTA01704715 For questions atout r Membership Rewardsyou account, contact 1-800-AXP-EARN (297-3276) vnow.americanexpress.conVrewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MemberaMitiPtrefalit s Options' Monthly Statement and Program News Statement Period December 1, 2003 - December 31, 2003 Account activity atter this period does not appear on this statement 111 Available Points 433 Points are available when charges are paid in full and WI your accounts are in good standing Account Summary Opening points balance Now points earned Points transferred or redeemed Reinstated points and adjustments New points balance 433 0 0 0 433 New Points Earned 12/01/03 - 12/31/03 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 Totals 0 0 0 bkmbeeahp Remrdo Ogees psinta corned may be Veneerred et redeemed as ;ono ea ail ceroaad Cwd amour)* aro in goad stand% Pei* banideried a redeemedv-3nm. bo moonedtack into Ova pnagtaim Fortielleci points con be reinstated for by calling Ow number provided below. CI to Card chargeo ac coined sr the Ale..L.,a'rE Rewords Opbans program Tornio and Ccedeoers in your Itomborshla Rework Wiens Gude. It you hove quesuala obese yea yeasestnericanexpress.comfinembershIprevrardsoptIons or cal 1430),Q0*.EAFIni (297-3276). Flan cranes, call mist 305-816-2739. Mir:IC*4n expris4' Ti Mi Me tan t Eiress Earn More! New ways to earn points. IMPORTANT NOTICE OF MEMBERSHIP REWARDS® PROGRAM CHANGES Effective March 15, 2004, 1) the fee to reinstate points forfeited for late payment will increase to $29 for each month of points reinstated, 2) for Cardmembers who cancel their Membership Rewards enrollment (or all Card Accounts enrolled in the program), but still have one Card account open, the time period to redeem accrued points will change from 6 months to 30 days, 3) for each Corporate Card linked to a Membership Rewards account with another enrolled charge Card, the additional annual fee will increase to $35. IMPORTANT NOTICE OF MEMBERSHIP REWARDS OPTIONS® PROGRAM CHANGES Effective March 15, 2004, for each transfer of points into the Frequent Flyer program of a US airline, a fee of $0.0004 per two points, with a maximum fee of $50, will be charged to your Card account. We charge this fee to offset the federal excise tax we must pay on such transfers. The fee may be more or less than the actual amount of the excise tax we pay on any individual transfer. Page S of 8 Please note important program changes. (MR Message 6288) Please note important program changes. (MR Message 1290) 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. EFTA01704716 COPY Page 6 of 8 EFTA01704717 DUPLICATE COPY Fr •ed For Meow,' Number II sCustomExtras- Cbsirg Dale 02/02/04 Page 7 of 8 Save 30% on Business Incorporation and Related Services Business Filings provides you with everything you need to easily form a corporation, LLC, or nonprofit in any state. If your company Is expanding, and you need to register to transact business in other states, Business Filings can prepare and file your certificate of authority. Business Filings also provides registered agent services, federal EINs, and can help prepare the necessary form to elect S corporation status. Business Rings Incorporated is an incorporation service provider, not a law firm, and cannot provide legal advice. State filing fees excluded from dscount. Discount requires payment with an American Express* Business Card. Offer and participation subject to change without notice. SPA Business Filings" To learn more about Business Flings' offerings and to tale advantage of the exclusive 30% dscount offered to members of OPEN: The Small Business Network'', log on to open.americanexpress. cornibiztilings12. (CE 104211) Maximize Savings. Consolidate Expenses. By adding Cards for your employees to your Account, you can consolidate virtually all of your business purchases onto one statement. Plus, with Expense Management Reports, you can track spending by employee and category. Which can be especially beneficial during tax season. Additional Cards can also increase your savings when your employees use their Card at our Everyday Savings* participants where they will enjoy the same ongoing savings as you do. To apply, call 1-877-770-2639. OPEN SMALL AUSINESS METWORIC 'Terms and Conditions apply. To apply or for further Information call 1.877.770.2639. (CE 104214) Exclusive Savings at Staples® Stock up on the items your business needs for the tax season, from software programs to filing folders. Get organized and take advantage of your ongoing 2% savings at Staples when you use your Business Card. that was easr Payment must be made with an American Express* Business Card. Offer only available al Staples' retail stores, through the Staples Business Delivery catalog and www.staples.com. The discount, which will appear on the Cardmembers monthly statement, is not valid on desktop and laptop computers, equipment leasing, business and other third-party provider services (inducing but not limited to shipping and communications services), warranty plans, taxes or deivery costs. Visit any Staples store, www.staples.com, a call 1.800333-3330. Please see open.americanexpress. comieverydaysavIngs for more Wails. Participation and offer are subject to change without notice. Terms and Conditions apply. (CE 104213) 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. EFTA01704718 DUPLICATE COPY a Page 8 of 8 EFTA01704719 Blue for Business" DUPLICATE COPY OPEN SHALL BUSINESS NETW0RIC• 457 Membership Rewards? POint8,Availablo: • , pr,03/CWWW060itbakiM*4*.i4 'ill.. 5inrolortagtopireirtiticzottandind; Prc vcd Proilass Bohm. Arenom MIMI/ S Now Acv. ty ire. Ad,krstnents an] Enna* 0113/906 t any nocart Nurnoa Ncv•BaNnoo Clocing Dale 03/02/04 Minimum Amount Due $ Page 1 of 10 Payment Due Date 03/27/04 Please refer to page 2 for important information regarding your account sass -50.55 +871.57 =871.57 17.00 Credit Line Summary on 03/02/04 Total Credit Line $ 11,300.00 Available Credit Line $ 10,428.43 Cash Advance Limit $ 2,300.00 Available Cash Limit $ 2,300.00 Effective on or around April 19, 2004, your account will be transferred from American Express Centurion Bank, Member F.D.I.C., to American Express Bank, FSB, Member F.D.I.C. Other changes to your account not as a result of this transfer are described in the Notice Of Changes To Your Agreement section of this statement. PIN numbers and account numbers for this account are unchanged and checks that were issued may be used subject to their original terms. See Page 7 For A Notice Of Changes To Your Agreement See Page 9 For An Important Privacy Notice To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity . hdezabzi posIrg dB. O?/20(04* • PaymentReceived - Thank You AmountS d : - r 19:702tytr.Zek:U•HAI)L SNOUFFR SCHL GAITHERSBURG MD r•tc?:U-KAUk DEALER it 81225 6003824t 6146.:`064:69024: Piton...DO on IN, plidOkitata Inksv. detach DM NA= vett ytra pairrion Payment Coupon OPJ02/04 EXXONMOBIU3304700282GAITHERS PAY AT PUMP&304700282 0% INTRO RATE MD 31.53 ink IIIIIII•LI.I.111.11.11.11.11,1,111 Mail Payment to: Payment Due Date: 03/27/04 Total New Balance $ 871.57 Minimum Amount Due $17.00 Amounts Continued on Page 3 Please enter account number on all checks and correspondence. Make check payable to American Express. To avoid addlional Finance Charges on Purchases, pay the New Balance before the Payment Due Date. Check here if address or • 1 telephone number has Amount enclosed changed. Note changes on reverse side. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 1111111, I11111111111111111111111111111111111111111111111111111 000087157000001700 02 rt EFTA01704720 DUPLICATE COPY Page 2 of 10 Payments: Payments received after 12:00 noon or on weekends or holidays may not be =died until the next business day. Payments must be in US Dollars and &awn on a bank 'located in the US (other than a tine of credit check issued by American Express Centurion Bank or American Express Bank, FSB). If you are not paying electronicaly or by Phone, Please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the eck Please do not send post-dated checks. They will be deposited upon receipt. It payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically , at first presentment and any re-presentments by transmittin the amount of the check routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. II we can not collect the funds electronically at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments: By using the American Express Pay By Computers Pay By Phone or any other American Express electronic payment sernce, you will be authorizing American Ex 'e% to initiate an electronic debt to the financial account you specie/ in the amount you request To use Pay By Carvuter, please visdus at www.americanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your paper statement, or click on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service Office or call anelccal American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance method to calculate Finance Charges on your Account. Under this method, we figure the FinanceCharges on your Account by applying the duly periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase,. Cash Advance and Balance Transfer features) of your Account Onducfmg current transactions). To get the Average Daly Balance for each feature, we (1) take the begireng balance for the feature each day (including unpaid Finance Charges from previous billing periods), (2) add any new transactions, debits or fees, (3) subbed any payments or credits, and (4) make any appropriate adjustmen s. For each day alter the first day of the billing paned, we also add an amount of Interest equal to the previous day's daily balance multiplied by the daily periodic rate for the feature, This gives us the daily baJance for the feature for that day and the beginning balance for the feature for the next day. It this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the tilting period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the Now Balance, if any, shown on your previous month's statement by the Payment Due Dale shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by roundng. The total Finance Charge for the bilhno period is calculated by adding the Finance Charges assessed on all features of the Account. This method of celculaffng the Average Daily Balance and Finance Charge results In daily compounding of Finance Charges. The minimum Finance Charge for any biting period in which Finance Charges are imposed is $0.50. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.ccm or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-800-CASH.NOW for Exp•reSS Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is Wrong, please contact us as soon as possbe. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and correct any error promptly. If wo take more than 10 business days to do this, we will veal your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Centunon Bank or American Express Bank, FSB. New York residents may contact the New York Barking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1.800-518-8866, Change of Address r coned on from do owl we Name Company Street Address City. Stale Zip Cede Area Cale end Herne Phone Area Code end Work Phone Emai 1 1 1 1 1 I To Pay By Phone 1-800-472-9297 Customer Service 1-877-258-3254 24 hoursi7 days Lost or Stolen Card 1.800-521-6121 International Collect 1-623-492-7719 Nearing I 'red ITV m 1-800- 1-9950 FAX: 1.800-695-9090 In NY: 1-800-522-1897 Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providng youremail addressto American Express will enable you j to receive special offers, suitedto your needs. EFTA01704721 DUPLICATE COPY Pi • 01 nor AceturNunter 03/02 /04 Page 3 of 10 03/02/04 Now Activity continued Amounts 02104104 GIANT FOOD 6245 GERMANTOWN MD GROCERIES/SUNDRIES 0% INTRO RATE 50.88 02/04/04 MONTGOMERY COUNTY DLGERMANTOWN PACKAGE STORE/UOUOR ROC No. 0000000081 0% INTRO RATE MD 17.83 02/05/04 OFFICE DEPOT, INC. GAITHERSBURG MD OFFICE PROD. & SUPPUES EPSON ER009 PURPLE MATRX ROC No. 350040749 0% INTRO RATE 9.01 02/08/04 GIANT FOOD 8245 GERMANTOWN MD GROCERIES/SUNDRIES 0% INTRO RATE 26.00 02/09/04 GIANT FOOD 8245 GERMANTOWN MD GROCERIES/SUNDRIES 0% INTRO RATE 10.70 02/09/04 EXXONMOBIL1807724875GERMANTO MD PAY AT PUMP1807724875 0% INTRO RATE 32.07 02/13/04 GIANT FOOD 8245 GERMANTOWN MD GROCERIES/SUNDRIES 0% INTRO RATE 9.71 02/14/04 OFFICE DEPOT, INC. GAITHERSBURG MD OFFICE PROD. & SUPPLIES CARTFIIDGE,INK,DJ 2000,YELLOW CART RIDGE,INK,DSKJET 2000,,MAG CARTRIDGE.INK,CYAN,CA841A CARTRIDGE,INK,BUcC4644A ROC No. 350019721 0% INTRO RATE 156.02 02/16/04 WONMOBIL1807724875GERMANTO MD PAY AT PUMP' 807724875 0% INTRO RATE 28.63 02/16/04 FLOWERS SENT TODAY MENNA VA FLOWERS/PLANTS/GIFTS ROC No. 00000351 0% INTRO RATE 55.37 02/16/04 OFFICE DEPOT, INC. GAITHERSBURG MD OFFICE PROD. & SUPPUES PRINTHEAD,2000,BLACK,O1800A ROC No. 350010313 0% INTRO RATE 36.05 02/16/04 GIANT FOOD 8245 GERMANTOWN MD GROCERIES/SUNDRIES 0% INTRO RATE 24.22 02/18/04 GIANT FOOD 1245 GERMANTOWN MD GROCERIES/SUNDRIES 0% INTRO RATE 10.93 02/20AX GIANT FOOD 1245 GERMANTOWN MD 16.35 GROCERIES/SUNDRIES 0% INTRO RATE Corgi:30o d reverso EFTA01704722 DUPLICATE COPY Pt f New Activity continued Page 4 of 10 Amour.IS 02/24/04 OFFICE DEPOT, INC. GAITHERSBURG MD 20.67 OFFICE PROD. & SUPPLIES EPSON ERC-09 PURPLE MATED( EPSON ERC-23 RIB BUURED PAPER,ADD,3X128,10PK,WHITE SSCOPY 8.5X11 WHITE ROC No. 350047079 0% INTRO RATE 02/24/04 GIANT FOODS 1191 GERMANTOWN MD GAS/GROCERIESAMSC 0% INTRO RATE 02/26/04 CROWN 11908920 GAITHERSBURG MD 29.16 CROWN GASAASC2001022711908920 0% INTRO RATE 02/28104 U-HAUL SNOUFFR SCHL GAITHERSBURG MD 238.68 U-HAUL DEALER 181825 CONTRACT 100038247 ROC No. 00409024 0% INTRO RATE 02/28/04 U-HAUL SNOUFFR SCHL GAITHERSBURG MD 235.68 U-HAUL DEALER a 81825 CONTRACT 1 00038247 ROC No. 00409024 0% INTRO RATE ovavo4 112 ATLATNIC AVENUE BROOKLYN NY 45 22 27523768805061343000180 ROC No. 006720715L 0% INTRO RATE 02/29/04 GIANT FOOD1245 GERMANTOWN MD 1'.57 GROCERIES/SUNDRIES 0% INTRO RATE Total of New Activity 871.57 10.92 Finance Charges Billing days this period: 29 Purchases Cash Advances Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE S 0.00 0.0383% 0.00% 13.99% 0.00 0.0520% 0.00% 18.98% Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rato identified in the V/all Street Journal, as described in your Cardmemter Agreement as currently In effect. Remember, your introductory rate applies for WI new purchases for your first 6 months of membership. 0.00 0.00 0.00 EFTA01704723 Totals FOP questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) vnins.americanexpress.com/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembelV84941ifaiiiis Options' Monthly Statement and Program News Statement Period January 1, 2004 - January 31, 2004 Account activity after this period does not appear on this statement Available Points 457 Points are available when charges are paid in lull and an 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 433 +24 0 0 457 New Points Earned 01/01/04 - 01/31/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 24 0 24 24 0 24 Monte:slip Rt.A•1/03 OS05 octets owned may be transferred a redeemed ea keg as a:lewd-ad Card accounts are In read siandrig. Penis Vanstorrol a redeemed cannot be reversed back into te program Forfeited points can be reinstated tore tee by calling the number provided below. Elgitie Cadhypes we Wined in the klarterchp Retard* °piens program Teens and Corcho-o in your Mengenkip Ramat Ortgns Gude. l you qustkrts, please vial vnywaimerkanexpeess.com'memberablorewardsopUons or cal t 600-AXP.EA)111 W13241. From overseas, eel collect 305.816-27%. Aiiii teen Billets alEraSERSHIP Spa finder Earn More! New ways to earn points. Important Notice of Membership Rewards® Program Changes Effective May 1, 2004, eligible Cardmembers will no longer accrue two Membership Rewards points for virtually every dollar charged at stand-alone hardware and home improvement stores. Instead, Cardmembers will accrue one point for every dollar charged at such stores. Froutem charges apply only to Rowank Green & Ocila Preeened Rewards Green 8 God. Rernuds Plus CPU, PLibmen Cora. Waxen. Cant Gall relsreLk, ONE Palencia Aomori Platinum Card. Path= Financial Seneen Cod. Fiddly Amorean =ma Govan, Golf and Plasm Cast. EtbleCividenerrbers wince:canoe S3 WSW two pant kg way in the U.S. al gatted turd-alone supeinwicitts, cingskires, gas stator*, the US. Postal SteeicisicaZr aimless 0940 St Parnerols. BLS stellate. c4 wirelen limo scam cagy en. Pat per dots. Celebrate Spring with Smith & Hawken! Plan the garden of your dreams at Smith & Hawken. From Eden ParkTM Garden Structure to Premium Teak' furniture to plants, containers and lighting, you'll find a wealth of products for creating your own place in the sun (or shade). For store locations or to request a catalog, call 1-888-883-3725 or visit www.smithandhawken.com. Earn DOUBLE Points from Spa Finder - All Year! You can now earn DOUBLE Membership Rewards® points on all purchases online from Spafinder.com or by calling 1.888-ALL-SPAS and using your American Express® Card— everyday, all year! Choose from gift certificates redeemable at over 1,100 day, destination and resort spas worldwide and from a wide selection of products from the spa merchandise collection. Wet veld tivolgis 12010i. To be elObl, to earn bonus pants. you must be endS h lw iitenberag Flee/aids program et 'helmsof probate adalums you, porches' a an emceed Ameten Epees Can. Bogus pa:kiwi becredal whin 6-8 weeks. Boniest): Page 5 of 10 (MR Message 6195) To redeem points for a $50, $100, or $200 Smith & Hawken Gift Card, go to wvAvamericanexpress. corrthewards or call 1.800-AXP-EARN (297-3276). (MR Message 1075) Visit wvAv.spatIndercom or call 1.888-ALL-SPAS and Mart earning double points! (Bonus ID 6441) 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. EFTA01704724 THE SHARPER IMAGE • TE COPY A me ri can Express• Earn 5x Points from sharperimage cone ALL YEAR! Sharper Image offers innovative products for the home, office and travel that make life easier and more enjoyable. PLUS, you can earn 5X Membership Rewards® points for every dollar you spend when you shop at www.sharperimage.comiamexbonus. Oller wad ONLY yew,' btu gab vetreteherpertmace.eemfatnnbenue hough 12/31/34. To can "NM Oh% so neat be emoted et to Mcenberch'pRosapde pew= of Ole line ti wettest end dues* your pathozo 10 an otteblo. otecikel Arnesihan Ecresce Card. Not valet it Nem, phonetwel ontleat oiler the Shaw Fano Arnica Sio. Ober term: oAly. Sonia pint wir be awarded wain 10-12 nett.. Benue 0: 1076 Morton's, The Steakhouse Certificates Morton's always makes dining a night to remember, tempting food lovers with abundant portions of USDA prime aged beef, fresh seafood, hand-picked produce and tempting desserts. Morton's is well known for its unparalleled service and legendary hospitality--setting the standard for fine steakhouse dining. Redeem Membership Rewards® points for $100 and $250 certificates for the ultimate dining experience at one of the 64 Morton's restaurants worldwide. Page 6 of 10 Shop today at www.shatperimage. com/amexbonusand earn 5x pcints. (Bonus ID 1076) To redeem, visit www.americanexpress. comirewards or call 1.800•AXP•EARN (297-3276). For locations visit www.mortons.com or call 1.866•MORTONS (667-8667). (MR Message 9034) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704725 DUPLICATE COPY Pr ad Fa Accost Manta Clciev Da* 03/02/04 Page 7 of 10 Notice of Changes to Your Agreement We are making knport ant Changes to your American Express Cardmember Agreement governing the American Express• Card Account Identified on this Notice. We urge you and any Additional Cardmembers on your Account to read this Notice carefully. The changes made to the Cardmember Agreement win become effective as indicated below. This Notice formally amends that Agreement and any contrary or conflcting language In that Agreement is replaced fully and completely. Note that the terms of your Account are subject to change (Including increasing APRs and fees and changing fixed APRs to variable APRs) in accordance with the Agreement governing your Account. All terms of the Agreement not amended herein remain In lull force and effect. This is an important Notice of changes to your American Express Card Account Agreement. We recommend that you carefully review the changes, and then file this Notice for future reference. If you have questions regarding this Notice, please call the telephone number listed on the back of your American Express Card. Over-limit Fee (Effective with billing periods ending on or after May 8, 2004) We are increasing the Over-limit Fee to $35 if you exceed the total credit line on your Account. Accordingly, we are amending the Other Fees section of your Cardmember Agreement by replacing the '$29' applicable to Over-limit Fees with '535.' Dishonored Payment Fee (Effective May 8, 2004) We are Increasing the fee to $38 whenever any check, similar instrument, electronic payment order that we receive, or a check presented at an American Express Travel Services Office or other authorized location Is not honored by your bank or other financial Institution. Accordingly, we are amending the Other Fees section of your Cardmember Agreement applicable to Dishonored Payments by replacing -$29" with -$38: We are also replacing the "UT with "$38" In the Payment for Cash Transactions section of your 'Agreement between Cardmember and American Express Travel Related Services Company, Inc. Concerning Electronic Funds Transfer Services: APR Applicable to Accounts (The changes In these sections will become effective as noted below) We are amending the Finance Charges section of your Cardmember Agreement as follows: Determining the Prime Rate Applicable to Your Account Effective with billing periods ending in June 2004, we are changing the timing of when we determine the Prime Rate used to calculate the variable APRs applicable to your Account to the higher of the 1st or 25th day of the month prior to the month In which your billing period ends. APR Applicable to Accounts in Default (I) Effective with billing periods ending in June 20)4, we are changing the Default Rates for Purchases and Cash Advances, set forth In the last subsection, from fixed APRs of 19.99% and 23.99% to variable APRs equal to the Prime Rate plus 15.99% and 21.99%: This change will apply to Accounts that are at the Default Rate as of the effective date as well as Accounts that go into default In the future. (ii) Effective with billing periods ending in May 2004, we are also revising the circumstances In which the Default Rates will apply to your Account. Accordingly, we are replacing paragraphs C and D of the Finance Charges section of your Agreement with the following: 'C. The 'Prime Rate" is determined once with respect to each billing period, and applies to the entire tilling period. The Prime Rate for billing pedcds ending in any calendar month Is the highest Prime Rate published in the Money Rates section (or successor section) of The Wee Street Journal on the 1st or 25th day (or, ki each case, if such date is not a business day, the next business day) of the prior calendar month. If The Well Street Journal ceases publication or does not publish the Prime Rate on either of those dates, we may refer to the Prime Rate published In any other newspaper of general circulation in New York, New York, or we may substitute a similar reference rate at our sole discretion. D. The DPR (and corresponding APR) on all balances may increase under the following crcumstances: 1) The DPR (and corresponding APR) on Purchases will Increase to the Default Rate, which is a DPR that corresponds to an APR equal to the Prime Rate plus 15.99%, and the DPR (and corresponding APR) on Cash Advances will increase to the Default Rate, wNch is a DPR that corresponds to an APR equal to the Prime Rate plus 21.99%, If during the Review Period a payment of your Minimum Amount Due is not credited to your Account by the Payment Due Date In any two billing periods. 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 these Default Rates are applied, they will apply to your Account for a minimum of twelve consecutive billing periods, beginning with the current billing period, unless you have triggered a higher APR based on the criteria described in subsection (2) below. 2) Notwithstanding the foregoing, the DPR (and corresponding APR) on all balances will increase to a Default Rate which is a DPR that corresponds to an APR equal to the Prime Rate plus 21.99%, If during the Review Period (a) a payment of your Minimum Amount Due is not credited to your Account by the Payment Due Date in any three or more billing periods, (b) a payment of your Minimum Amount Due Is not credited to your Account by the Payment Due Date in any two consecutive biking pericds, (c) a payment on your Account is not honored by your bank or other financial institution, or (d) you exceed any designated credit limit on your Account three or more times. If this Default Rate is applied, it will apply to your Account for a minimum of twelve consecutive biting periods, beginning with the current billing period: BP/TR17FYI/0304 EFTA01704726 DUPLICATE COPY lam Page 8 of 10 Monthly Payment-Minimum Amount Due (Effective with billing periods ending in October 2004) We are changing the calculation of the Minimum Amount Due on your Account. In some cases, as described below, we will Increase the Minimum Amount Due by 515. Accordingly, we are replacing the third paragraph of your Agreement entitled Billing Statements/Minimum Amount Due Wth the following: "Each biting statement will reflect a Minimum Amount Due. Payment is due by the time and date shown and In the manner prescribed on the statement To calculate the Minimum Amount Due we will add together the following: (1) any amount past due; (2) the greatest of: a) 1/50th of the New Balance on the Closing Date of the biting statement (the calculation of which is rounded to the nearest whole dollar) (for purposes of this calculation we exclude from the New Balance any over-limit fee added to your Account during the billing period), b) the current billed Finance Charges, or c) 515 (or the New Balance If it is less than $15); and (3) any over-lima fee added to your Account during the billing period. If the greatest of the three calculations in section (2) above is the current billed Finance Charges, then we will add 515 to the calculation of the Minimum Amount Due. At our option, we may also include in the Minimum Amount Due all or part of other fees incurred during the biting period and any part of the New Balance in excess of your credit line. The Minimum Amount Due will not exceed the New Balance. You may pay more than the Minimum Amount Due, up to the entire outstanding balance, at any time? Other Important Information About Your Account Annual EFT Error Resolution Notice This notice is to inform you about how you should notify us of errors or questions regarding any electronic fund transfers you initiate using your American Express Card or electronic payments you make to American Express using Pay By Phone, Pay By Computer, or any other American Express electronic payment service. In case of errors or questions about your Electronic Transfers, please telephone us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer questions, and at 1.800-CASH-NOW for Express Cash and Automatic Payment questions. Alternatively, you may write to us at the Express Cash Operations address indicated on your billing statement or E-mail us by clicking on the Customer Service Link online at wvny.americanexpress.com. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared or question arose. When you contact us, please provide the following information: (1) Tell us your name and account number. (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the date and dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days of the call. We will determine whether an error occurred within 10 business days and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide we need up to 45 days, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors Involving new accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 days to Investigate your complaint or question. We will tell you the results within three business days after completing our Investigation. If we decide that there was no error, we will send you a written explanation. You may ask for cones of the documents that we used in our investigation. BP/TR17FYI/0304 EFTA01704727 DUPLICATE COPY Pr cd Arseced Nitrn'cor Cosiro OSS 03/02/04 Page 9 of 10 An Important Notice Concerning Cardmember Privacy This Privacy Notice is addressed to United States holders of personal American ExpressoCharge Cards or accounts, Optima Cards or accounts, and other personal credit card accounts that we issue, and to United States holders of business charge and credit cards from OPEN: The Small Business Network from American Express. This Notice explains how we collect and safeguard Information about you and how to tell us your opt out choices. In this Notice, American Express Travel Related Services Company, Inc., American Express Centurion Bank, and American Express Bank, FSB are called 'American Express,"we," 'our," and 'us.' The cards and accounts that we issue 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 Affiliates and other companies we work with. These include companies that manage Card accounts, offer affinity, frequent-user, and reward programs, companies that perform marketing services and other business operations for us, and companies whose products or services are provided as a benefit of your Card account We may also share Cardmember Information with other financial institutions with whom we jointly offer products and services. And we may disclose it to other third parties as permitted by law. For example, we disclose Cardmember Information in response to subpoenas, to credit reporting agencies, and to help prevent fraud. Your Opt Out Choices You have"opt 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 qualifications established for the offer. Your choice: You may opt out from receiving these offers by calling us at 800-297-8378 or by filling out the attached form and returning it to the address on the form. You may also include the form with your regular payment. Please Note: You may receive additional privacy notices that provide information and different opt out 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. If you have already given us your choices, you don't need to respond unless you want to change your choices. Return this form to American Express along with your payment coupon using the payment envelope enclosed with your statement Offers for Products and Services of Other Companies O Do not send me offers for products and services of other companies. K Credit Information Provided to Our Affiliates Do not share credit-related information about me (except as described in this Notice) with American Express Affiliates. Offers for American Express Products and Services O Mail: Do not mail me offers for American Express products and services. K Telephone Offers: Do not contact me by telephone to otter me products and services. If you do not have a payment envelope, mail your response to: American Express Cardmember Information Services P.O. Box 299836 Ft. Lauderdale FL 33329-9836 MOM MW1LE/0304 FOR 706671 T5047 EFTA01704728 DUPLICATE COPY MIS Page 10 of 10 Offers for American Express Products and Services Mail Offers We may mail you offers for American Express products and services. Your choice: To opt out from receiving these maiings, call us at 800-297-8378 or fill out the attached form and return it to the address on the form. You may also include the form with your regular payment Telephone Offers We may contact you by telephone about our products and services or those that we offer with our business partners. Your choice: To opt out from receiving telephone offers, call us at 800-297-8378 or fill out the attached form and return it to the address on the form. You may also include the form with your regular payment Information We Share with Our Affiliates Our Affiliates include financial advisors, publishers, insurers, and travelers cheques issuers. American Express Travel Related Services Company, Inc., and American Express Centurion Bank, and American Express Bank, FSB are Affiliates of each other. We may disclose certain Cardmember Information to our Affiliates to provide services for your Card account and to develop and send you offers for their products and services. We are permitted by law to share with our Affiliates information about our transactions and experiences with you, such as your payment history. But you can opt out of our sharing with our Affiliates other 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-Mail Offers We may send you e-mail offers for our products and services, and those of our Affiliates and other companies we work with. We don't share e-mail addresses with other companies for them to market their own products and services to you. Your choice: To opt out from receiving these e-mail 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 otter financial products and services and with our Affiliates. This Notice describes opt out choices about certain other uses of Cardmember Information. Mull LE/0304 FOR 706671 T5007 EFTA01704729 Blue for Business" DUPLICATE COPY OPEN SMALL BUSINESS NETWORK" 507 • -1; Membership Rewards® Points Available at 02129/04, when charges due are oad full and all accounts are in good standing: Pee od Foe II Porticos Marco S PapnotattuayS NewAesier is any FAT:CI any tounoirrOtWow New Balance OrAmOgn 04/02/04 Minimum Amount Due $ Page 1 of 7 Payment Due Date 04/27/04 Please refer to page 2 for impodant information regarding your account 871.57 400.00 +1,005.13 -1,476.70 30.00 Credit Line Summary on 04/02/04 Total Credit Line $ 11,300.00 Available Credit Line $ 9,823.30 Cash Advance Limit $ 2,300.00 Avalatle Cash Limit $ 2,300.00 To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity .fr" a*IP``'‘gdse o3r2woopi:riiiht Amount yA ,E7VIA9t $ 03/02/04 GIANT FOOD 8246 GERMANTOWN MD GROCERIES/SUNDRIES 0% INTRO RATE 41.53 03/04/04 EXXONMOBILB304700282GAITHERS MD PAY AT PUMP8304700282 0% INTRO RATE 2920 03/05/04 OFFICE DEPOT, INC. GAITHERSBURG MD OFFICE PROD. & SUPPUES SSCOPY 8.5X11 WHITE EPSON ERC-09 PURPLE MATRX ROC No. 350014994 0% INTRO RATE 6.92 03(06/04 MONTGOMERY COUNTY DLGERMANTOWN PACKAGE STORE/LIQUOR ROC No. 0000000260 0% INTRO RATE MC 16.70 03/06/04 GIANT FOOD 8245 GERMANTOWN MD 36.17 GROCERIES/SUNDRIES 0% INTRO RATE Haase }ad an to pea:coca balm, &ash and town nth yam Oarnant Payment Coupon ;a7-1450 Mail Payment to: Payment Due Date: 04/27/04 Total New Balance $ 1,476.70 Minimum Amount Due $30.00 • I Continued on Pegs 3 Please enter account number on all checks and correspondence. Make check payable to American Express. To avoid additional Finance Charges on Purchases, pay the New Balance before the Payment Due Date. Check hem it address or telephone number has Amount enclosed changed. Note changes on reverse side. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I 000147670000003000 02 H EFTA01704730 DUPLICATE COPY Pe cd II Page 2 of 7 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dolrars and drawn on a bank located in the US (other than a line of credit check issued by American E,aess Centurion Bank or American Express Bank, FSB). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indrcated cn the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically , at first presentment and any representments, by Transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we can not collect the funds electronicaly at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments: By using the American Express Pay By Computer,_ Pay By Phone or any other American Express electronic payment sennce, you oil be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at www.arnericanexpre-ss.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicatedon your paper statement, or click on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel ServiceOffice ocean anylocal Arre-ican Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance method to calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) tor each feature (such as Purchasek Cash Acvance and Balance Transfer features) of your Account (including current transactions). To get the D Average ary Balance for each feature, we (1 take the beginning balance for the feature each day (including unpaid Finance Charges from previous billing periods), 2) add any new transactions, debits, or fees, (3) subtract any payments or credits, and (4) make any appropriate aclustmen .For each day after the first day or the billing perioid, we also add en amount of interest equal to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the biting period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily -Balance for each feature by the number of days in the tiling period and the daily periodic rate for that feature, the result will be tie 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 aft features of the Account. This method of ceticulebng the Average Deily Balance and Finance Charge results in daily compounding of Finance Charges. The minimum Finance Charge for any Wing period in which-Finance Charges are Imposed Is 50.50. In Case of Errors or Ouesflons About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.com, or you can call us at 1.800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-800-CASH-NOW for Express Cash and automatic moment issues. You can also write to the Express Cash Operations address indcated on your statement. II you think your statement, receipt, of transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as dearly as you canwhy you believe there is an error or whyyou need more information. We will investigate your complaint andcorrect any error promptly. If we take more than 10 lowness days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes ustocompleteour investigation. Creditor. American Express Centurion Bank or American Express Bank, FSB. New York residents may contact the Now 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 If GO/14,C1 on kora do not nee Nato Canpany Nate Street Address Cry. State Zee Code Pea Code ant Home Phone Pee Code and Work Phone Email r P 1 To Pay By Phone 1.800472-9297 Customer Service 1-877-258-3254 24 hours/7 days Lost or Stolen Card 1-800-521-6121 International Collect 1-623-492-7719 Hearing Impaired (9am-5pm EST) TTY: 1-800-341-9950 FAX: 1.800.695.9090 In NY: 1.800522-1897 Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providng your email address to American Express willenable you to receive special offers, suitedto your needs. EFTA01704731 DUPLICATE COPY Clocrg Dnin 04/02/04 Page 3 of 7 New Activity continued ountS 03/09/04 FLOWERS SENT TODAY 'VIENNA FLOWERS/PLANTS/GIFTS ROC No. 00000791 0% INTRO RATE VA 56.42 03/10/04 PAPA JOHN'S #6052066GERMANTOWN RESTURANT 0% INTRO RATE MD 15.74 03/11/04 OFFICE DEPOT, INC. GAITHERSBURG OFFICE PROD. & SUPPLIES PAPER,ADD,2.25X130,12PK,WHITE EPSON ERC-23 RIB BLK/FIED EPSON ERC-09 PURPLE MATRX FILM,FAX,KXFP101,KXFP121,0FA6 ROC No. 350111492 0% INTRO RATE MD 47.98 03/13/04 GIANT FOOD #245 GERMANTOWN GROCERIES/SUNDRIES 0% INTRO RATE MD 19.97 03/15/04 GIANT FOOD #245 GERMANTOWN GROCERIES/SUNDRIES 0% INTRO RATE MD 10.00 03/17/04 EXXONMOBIL1807724875GERMANTO PAY AT PUMP1807724875 0% INTRO RATE MD 31.00 03/20/04 GIANT FOOD #245 GERMANTOWN GROCERIES/SUNDRIES 0% INTRO RATE MD 15.56 03/23/04 CROWN 11908920 GAITHERSBURG CROWN GASAASC8401032411908920 0% INTRO RATE MD 511.46 03/23/04 PAPA JOHN'S 06052066GERMANTOWN RESTURANT 0% INTRO RATE MD 18.89 03/25/04 EXXONMOBIL1807724875GERMANTO PAY AT PUMP1807724875 0% INTRO RATE MD 33.75 03/25/04 GIANT FOOD #246 GERMANTOWN GROCERIES/SUNDRIES 0% INTRO RATE MD 27.10 03/29/04 WAL-MART 2357 GERMANTOWN GENERAL MERCHANDISE 0% INTRO RATE MD 24.50 03/29/04 GIANT FOOD #245 GERMANTOWN GROCERIES/SUNDRIES 0% INTRO RATE MD 22.81 03/29/04 OFFICE DEPOT, INC. GAITHERSBURG OFFICE PROD. & SUPPLIES REFILL,BP,MED,2/PK,BLACK EPSON ERC-09 PURPLE MATAX PEN,OFFICE DEPOT,MED,12PK,BLUE EPSON ERC-23 RIB BLK/RED ROC No. 350114951 0% INTRO RATE MD 26.21 Continued on reverse EFTA01704732 DUPLICATE COPY Pt od II New Activity continued Page 4 of 7 Amoum 04/01/04 GIANT FOOD #245 GERMANTOWN MD GROCERIES/SUNDRIES 0% INTRO RATE 12.62 Total of Now Activity 1,005.13 Finance Charges Billing days this period: 31 Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Balance Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 0.00 0.0383% 0.00% 13.99% 0.00 Cash Advances 0.00 0.0520% 0.00% 18.98% 0.00 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 Cardrnember Agreement as currently in effect. Remember, your introductory rate applies for all new purchases for your first 6 months of membership. EFTA01704733 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) vnvw.americanexpress.coriVrewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 Mem befathiWIT4fiins Options' Monthly Statement and Program News Statement Period February 1, 2004 • February 29, 2004 Account activity after this period does not appear on this statement Available Points 507 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 457 +50 0 0 507 New Points Earned 02/01/04 • 02/29/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card IMO Totals 50 0 50 50 0 50 Mortersho Rewards Octane Ports earned may be translated or redeomcd as lag as a *nerd Cad scoure areadexed tes,ding. Pone leastered 0/ (termed canna be reveres tisk reptile pietism Forfeited points can be reinstated for a feeby calling the number provided below. Erg be Cad eteVdoeS ate Wired In the Menterebip Fkgrazds Cptons PeO7aa. Torres aM Cations t in yds LlerntereKgeRemardt Opfeds Geed a re tete mestizos. µaxe VitEI xwetamericanexprestcomfmembershipiewerdSOptOnS cf ca3ISOSAXP-EARN 1297-3276). Fran overseas, eal ward 30S816-2759. Arerricam eaprerto • • " jtje. •••-• Earn More! New ways to earn points. Important Notice of Membership Rewards® Program Changes Effective May 1, 2004, eligible Cardmembers will no longer accrue two Membership Rewards points for virtually every dollar charged at stand-alone hardware and home improvement stores. Instead, Cardmembers will accrue one point for every dollar charged at such stores. Preded, chards 4:9Iy car lo Rewards Green & Gold. Preerrod Rereads Green Gad, Rewards Pin Gait P ritrit Cada Ceritricieb Card. Garl Financial. ONE Finarcial Account Marren Cat, Plamm Financial Swims Card. Fdellty timerean Ewes, Green. Goa aid Mattel Cards. Eight Cararlembore wit retinue to accrue two pares for teen Wet clamed in the U.S a quailed otardatene overtakes. cleastees. Gas etaicre. the US. Natal Serra. and irc wireless awe bil pecriene. Gat Purchases ei Wile1/44S ems raw ray one POW per bra. Redeem Membership Rewards® Points for a New LG Microwave LG, one of the world's leading manufacturer of microwave ovens, would like to Introduce the first Combination Microwave Oven and Toaster for 23,000 points. This item comes in Stainless Steel and features a .9 CU FT oven capacity, 900 watt microwave, and 800 watt toaster with 9 browning levels.(PRM342) Page 5 of 7 (MR Message 6195) To redeem, visit vAvw.americanexpress. corn/rewards or call 1.800-AXP•EARN (297-3276). (MR Mesage 8028) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704734 American Express I Elizabeth Arden red door salon & spa DOLL -- ATE COPY Accoul Master r77$ MCIVILIERSHIP " • a ) E11111 R u IV. .A. Double Points for Mother's Day at Elizabeth Arden Buy your Mother's Day gift certicates early or treat yoursetf with a spa package from Elizabeth Arden Red Door Salons. Earn double points from April 10th to May 10th on any purchase of $150 or more online or in a Red Door Salon. Bonn Points only...at. al patalpoting Rod Ow Salan Iceaaona and lor on*e valsaakep rd veild al wry Red Do. salons Waled WThill clopartnia axes Al Rod DCOlsill **Albs pucchasad Claw we dab. lac bonus and may be medal .. Red Door Spa ell onolortes puntsased wain department sta. we Ice Cam pahta 04«val. torn Pp 101. - May Z04. Samar *mama Ins rpriy. Bran 97SS. Earn 10x Points from FTD.COM® This Mother's Day! Find the perfect way to show how much you care this Mother's Day with FTD.COM. Choose from floral arrangements hand delivered by an FTD® Florist. Or, send gourmet chocolates, relaxing spa sets and more! Shop online and earn 10x points at www.ftd.com/amexpromo. Oiler veld on sock.. Iron twattleleornIarnexpromo tnjgh 12/3104. Ca-noe be are any otter onto or spacial catmotons. NO val. on Disney. product. Toles <PDX, Ix beaus pan. you must be tweed in Pt Mentorelip Ronan.® pagan al the Wooden:chase and chew your purchase to an •Igbte, enrolled Arnetioan Exptcosb Card Dann points arc cradled to year sccoara withtn IIII2 weeks she ohne* Of Qat on pr/as bldg %Werra& Born 1O6. Use GlobalPass Miles Toward Flights on Over 500 Airlines GlobalPass now offers you the unique ability to use points as cash on over 500 airlines worldwide! Simply transfer Membership Rewards® points to GlobalPass and use GlobalPass Miles to purchase a SuperAwards' ticket on www.globalpass.com on any scheduled flight worldwide on over 500 airlines. 1,000 Membership Rewards points equals 1,000 GlobalPass Miles. Redeem Points for Dell Home System Certificates Dell--makers of some of America's favorite PCs-allows you to create your own personalized system and save hundreds of dollars at the same time. Just redeem points for a Dell Home System Certificate and use it toward any Dell Inspiron® notebook or Dimension® desktop at www.dell4me.com. Di:costa good on nswpbcobases only Oro* Doi Horne Systems Co. Del Wein= can &tons wil re( Donor Manterst.Rwards. Cefral. Certriacs oannalbe mod ankle. Roy' s Membership Rewards® Certificates Enjoy delicious dishes from Roy's award-winning menu. Founded by James Beard award winner Chef Roy Yamaguchi, Roy's has become well known throughout the world for its innovative Hawaiian Fusion Cuisine--the freshest local ingredients, European sauces, bold Asian spices with a focus on fresh seafood. Redeem Membership Rewards points for a $50, $100, or 8200 certificate good toward your dining experience at Roy's. To find the nearest Roy's location, visit www.roysrestaurant.com. Page 6 of 7 Call 1.800.99ARDEN or visit www.reddoor salons-con. (Bonus ID 9788) Shop at www.ftd.comf amexpromo this Mothers Day. (Bonus ID 1675) To redeem, go to amedcanexpress.comf rewards or call 1-800-AXP-EARN (297-3276) (MR Message 6341) To order your Dell certificates, visit www.amertcartexpress. comirewards or call 1.800-AXP-EARN (297-3276). Then redeem your offer by calling 1.888.686.3355 today! (MR Message 0488) To redeem points visit www.amerloartexpress. comfrewards or call 1.800-AXP-EARN (297-3276). (MR Message 4211) 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. EFTA01704735 For DUPLICATE COPY Account Ntsnbur aft. CUStOMEXtrar " Clociv Dab 04/02/04 Page 7 of 7 Save 25% on ExpensAble Expense Reporting Software Late turning in your expense reports? Join the crowd. Now, a solution is at hand. ExpensAble replaces paper forms or spreadsheets with an intuitive, easy-to-use software solution. Loaded with powerful convenience features, including pre-filing expense reports with Business Card data at the touch of your mouse! Save 25% when you purchase ExpensAble with your Business Card. Payment must be made with an American Express. Business Card. The discount appear on the Cardmember's monthly statement, and is only available directly through ExpensAble. Participation and offer are stilled to change without notice. Terms and Conditions apply. ExpensAble To purchase or for more information, visit open. am ericanex p ress. comfexpensable. (CE 104330) Get a $10,000 to $100,000 Line of Credit There are so many things that can require a quick infusion of cash. Luckily, as a member of the OPEN Network, the Business Capital Line is there for you. Whether you're looking to invest in new office equipment, or just make payroll, the Business Capital Line is a great way to give your business the flexibility to handle almost anything. The application is simple and takes less than ten minutes to complete. And, best of all, NO collateral is required and 100% of your line of credit is available as cash. Apply today. Subject to credit approval, not all customers may qualify. All applicants must have been in business for at least two years. Once approved, the status of your account will be reviewed annually. Upon review you may be contacted to provide additional information. Business Capital Line Cell 1.800.276-2504 to apply. Or for more information a to apply online, visit open.amencanexpress. comrworkingcapital. (CE 104250) Borrow up to $100,000 for as Low as 7.99% The Business Capital Loan from OPEN: The Small Business Network" is an unsecured installment loan with repayment terms of 24 or 36 months. The simple application process and quick approval times allow you to receive your funds within two days. It is ideal for large capital expenditures such as business expansions or office renovations, and the fixed monthly payments make planning a lot easier. Subject to credit approval, not all customers may qualify. All applicants must have been in business for at least two years. EUSiNES °VITAL LOAN For a fast decision, apply online at open.americanexpress. conflusinessloan. (CE 104256) Pay Your Bills Automatically with Your Business Card AUTOMATIC Take advantage of Automatic Bill Payment, a fee-free benefit of your American Express@ Business Card that can help make sure your business bills get paid on time, every time. It's a time-saving, convenient way to manage cash flow--and you can use it to pay a wide variety of service providers. Plus, you can earn Membership Rewards@ points for each bill you pay with Automatic Bill Payment. Contact your service providers to enroll. BILL PAYMENT with American Exp ess To learn more, go to open.amerloanexpress. comrautomaticbill. (CE 104260) OPEN Network Business Travel Center In addition to savings of up to 20% on domestic flights* and the ability to search and book flights on low cost carriers, the OPEN Network Business Travel Center now offers exceptional hotel rates through the Preferred Extras Hotel Program. When you book your hotel reservations with the OPEN Network Business Travel Center, you can find some of the best unrestricted business rates available with our participating partners. 'On aggregate, clients can save an average of 8-10% on their airline expendtures. Discounts are based on specific fare classes and availability at the time of inking. Additional Terms and Conditions apply. Book your next business trip at open.americanexpress. conUbusInesstravel or call 1.866-400.OPEN (6736). (CE 104329) 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. EFTA01704736 DUPLICATE COPY Blue for Business" OPEN Membership Rewards€ Points'Available SNAIL BUSINESS NETWORK" at 03/31/04, othen charges due are paid in: full and alll accounts ge (n good standintri Account Number Cl m DM) 05/03/04 Page I of 7 Previtas Balance S mme0.,n41 inc.mptrients Fame. °tam% any NM' Sidra Minimum Amount Due Payment Due Date 05/28/04 Please refer to page 2 for important information regarding your account Acivity 1,476.70 -600.00 +582.16 n1,458.86 29.00 Credit Line Summery on 05/03/04 Total Credit Available Crecit Cash Advance Une $ Une Limit 11,300.00 9,841.14 2,300.00 Availabe Cash Limit $ 2,300.00 To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Introducing OPEN Savings'" No Coupons. No Codes. No Kidding. OPEN Savings is an easy way to save at places like AT&T, FedEx®, Hertz, Staples® and others. There are no coupons, codes or complications. Plus, the savings are in addition to others you may already receive. Simply use your American Express® Business Card and see your savings every month on your statement. Use your Card and start saving! To learn more, go to open.americanexpress.com/savings. Payment must be made with an American Express Business Card. Participation and offers are subject to change without notice. Terms and Conditions apply. For more information, please visit open.americanexpress.com/savings. Activity •Ideassmanada Amount5 04/21/00 P `I90"Isc7 ThenkYou , -600 00 Amounts 04/02/04 CROWN 11908920 GAITHERSBURG CROWN GAS/MSC:8783040311908920 0% INTRO RATE MD 29.40 04/03/04 GIANT FOOD 1245 GEFIMANTOWN GROCERIES/SUNDRIES 0% INTRO RATE MD 48.34 04/08/04 GIANT FOOD 1245 GERMANTOWN MD 40.12 GROCERIES/SUNDRIES Pkass kid a, tie raltwalon bdcw. dish andmum with yo" payment Payment Coupon GAITHERSBURG MD 20877-1450 Mail Payment to: Payment Due Date: 05/28/04 Total New Balance $ 1,458.86 Minimum Amount Due $29.00 I • Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 Continued on Page 3 Please enter account number on all checks and correspondence. Make check payable to American Express. To avoid additional Finance Charges on Purchases, pay the New Balance before the Payment Due Date. Check horo if address or telephone number has changed. Note changes on reverse side. 02 d EFTA01704737 DUPLICATE COPY Page 2 of 7 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments, must be in US Dollars and drawn cn a bank located in the US (other than a line of credit check issued by American Express Bank, FSB a American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated cheeks. They will be deposited upon receipt, If payment is made in any other form or at any other location, there may be a delay In processing. We reserve the right to process checks electronically , at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we can nol collect the funds electronically at first presentment,we mayissue a draft against your account for the amount of the check Authorization for Electronic Payments: By using the American Express Pay By Computer Pay By Phone or any other American Express electronic payment service, you will be authonting American Excess to initiate an electronic debit to the financial account you specify in the amount you recites'. To use Pay By Computer, please visit us at www.arnericanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your paper statement_ or dick on the Customer Service link online. Outside the U.S contact the nearest American Express Travel ServiceOffice or call anylocal American Expressoffice. Finance Charges: Average Daily Balance Method for Calculation of Finale. Charges:We use the Average Daily Balance methodto calculate Finance Chargeson your Account. Under this methcd,we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as describodbelow) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (induding current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance kr the feature each day (Including unpaid Finance Charges from previous billing periods), (2) add any new transactions, deoits, or fees, (3) subtract any payments or credits, and (4) make any appropriate adjustments. For each day after the first dew of the billing penal, we also add an amount of interest equal to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily balancefor the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the biting period. This gives us the Average Daily Balance for the feature. Poo all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on yoit previous month's statement by the Payment Due Date shown on that statement. If you muliply the Average Daily Balance for each feature by the number of days in the tilling period and the daily periodic rate for that feature, he result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total FinanceCharge for the tilling period is calculated by adding the Finance Charges assessed on a features of the Account. This method of calculating. the Average Daily Balance and Finance Charge results in daily compounding of Finance Charges. The minimum Finance Charge for any billing period in which Finance Charges are imposed is $0.50. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.com, or you can call us at 1-8004PAY-AXP for Pay Ey Phone and Pay By Computer issues, or 1-BOO-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrom please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as dearly as you can why you believe there is an error or whyyou need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think s in error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Bank, ES9 or American Express. Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1-800-518-8866. Change of Address if cam! on ROO do not tea Name Company Name Sheet Addrap Cly. Slate zo Cade Atea Code and Home Phone Area Cede and Work Phone Email r I J To Pay By Phone 1.800.472.9297 Customer Service 1-877-258-3254 24 hours/7 days Lost or Stolen Card 1-800.521.6121 International Collect 1-623-492-7719 Hearing Impaired (9am-5pm EST) TTY: 1.800.221.9950 FAX: 1-800-695-9090 In NY: 1.800.522.1897 • Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Provking your email address to American Express willenatle you ...... I to receivespecialoffers, tuned to your needs. EFTA01704738 DUPLICATE COPY ad PI For Closic Oasa 05/03/04 Page 3 of 7 New Activity continued 04/08/04 CROWN 11908920 GAITHERSBURG MD CROWN GAS/MSC9005040911908920 26 79 04/10/04 GIANT FOOD #245 GERMANTOWN MD GROCERIES/SUNDRIES 84,06 04/10/04 MONTGOMERY COUNTY DLGERMANTOWN PACKAGE STORE/LIDUOR ROC No. 0000000347 MD 6300 04/12/04 CROWN 11908920 GAITHERSBURG MD CROWN GAS/MSC0865041311908920 26.48 04/13/04 OFFICE DEPOT, INC. GAITHERSBURG MD OFFICE PROD. & SUPPLIES EPSON ERC-09 PURPLE MATRX PAPER,LINEN,25%,24#,80,IVORY ROC No. 350013352 11.85 04/13/04 GAITHERSBURG PARTY RGAITHERSBURG 301.963.9011 MD 28.25 04/17/04 GIANT FOOD #245 GERMANTOWN MD GROCERIES/SUNDRIES 17.95 04/19/04 CROWN 11908920 GAITHERSBURG MD CROWN GAS/MSC4190042011908920 29.15 04/20/04 GIANT FOOD #245 GERMANTOWN MD GROCERIES/SUNDRIES 19.29 04/23/04 GIANT FOOD 5245 GERMANTOWN MD GROCERIES/SUNDRIES 22.49 04/26/04 DUNKIN DONUTS/BASKINGAITHERSBURG FOOD/BEVERAGES MD 10.98 04/26/04 CROWN 11908920 GAITHERSBURG MD CROWN GAS/MSC7018043011908920 31.87 04/28/04 GAITHERSBURG PARTY RGAITHERSBURG 301-963-9011 MD 11.30 04/29/04 GIANT FOOD #245 GERMANTOWN MD GROCERIES/SUNDRIES 26.14 04/30/04 OFFICE DEPOT, INC. GAITHERSBURG MD OFFICE PROD. & SUPPUES EPSON ERC-09 PURPLE MATRX EPSON ERC-23 RIB BLK/RED ROC No. 350141771 9.92 04/30/04 CROWN 11908920 GAITHERSBURG MD CROWN GAS/MSC8906050111908920 30.49 05/03/04 Periodic FINANCE CHARGE 3.40 Total of New Activity 582.16 Condnuod on merge EFTA01704739 DUPLICATE COPY Finance Charges Billing days this period: 31 Page 4 of 7 Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Balance $ Periods Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE S Purchases 286.51 0.0383% 13.97% 13.99% 3.40 Cash Advances 0.00 0.0520% 0.00% 18.98% 0.00 3.40 Certain of the periods 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. EFTA01704740 Totals For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) www.americanexpresacoriVrewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembeiViWilefillits Options- Monthly Statement and Program News Statement Period March 1, 2004 • March 31, 2004 Account activity after this period does not appear on this statement Available Points 1,380 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 507 +873 0 0 1,380 New Points Earned 03/01/04 - 03/31/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 873 0 873 873 0 thortershp Rewards Coats pants earned /rove. Ifalleetied or redeemed as lorg a, ail °medal Card accosts are m coed claming. Ports Iraraftned a redeemed cannel be reversal back rio Mope:gram Forlelted points can be reinstated for a fee by calling the number Provided below. Nee Card Naga are imitincd in tio Vorrboraim Reelbt Criers program Term and Cordtons in you, flernbersbp Roaardo ChMons Guee. M you lime questions. rismevisit derma merkanexpressoonPmentbeyshIprewardsoptIons or call I 403-AXP.EARN (297-3276). Fran orocsoas.cal mead S05-8162799. Earn More! New ways to earn points. 873 Important Notice of Membership Rewards® Program Changes Effective May 1, 2004, eligible Cardmembers will no longer accrue two Membership Rewards points for virtually every dollar charged at stand-alone hardware and home improvement stores. Instead, Cardmembers will accrue one point for every dollar charged at such stores. PrOdiam changed Neglir cry io Rewards Omen & God, Preened Rewards Green & Odd Rewards Flue God. Kix osn CEOS. CeoluticoO Caret Gold Fauna.", ONE F narctal Account Pladrosn Card, Pirarnrn Finarcial Semites Card. Fideley Amercan E,press Gaon God and Plaikeen Cads. Oct* Catetnernben not monde to mend mope:its tor every dollar charged n the US. at quadri starddlcoe SUpterWkett Oh/VG:ft gas slam. the ll.9. NNW Sento. aim or WINiO32 prone td psymenb. Balk walleyes d nifet63 um moue ody era pore per agar Reward the People You Love Now you can use Membership Rewards• points to celebrate Mom, Dad and grads. Just redeem Membership Rewards points for a gilt certificate good at The Capital Grille. Treat them to our famous dry-aged steaks, chops and fresh seafood. Award-winning wines. Impeccable service. All in the elegantly relaxed atmosphere we are known for. Now open in Fort Lauderdale. Page 5 of 7 American Express , (MR Message 6195) To redeem points for The Capital Grille $100 or $250 certificate, visit www.americanexpress. cam/rewards or call 1-800-AXP-EARN (297-3276). (MR Message 3233) 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. EFTA01704741 Amesitan Ex • Trge THE SHARPER IMAGE* /"Thn 2/is Gift I Sense N I K E ATE COPY Rewarding News from American Express Coming soon for a limited time, we will otter you the opportunity to earn additional Membership Rewards® points just for paying your bills in select industries when you sign up for Automatic Bill Payment. Automatic Bill Payment is a simple way to consolidate your payments and make sure that your bills are paid on time and you'll have fewer checks to write. Watch your mailbox for the dates on the great promotion. Attend Golf School at Hilton Head! Experience world-class golf instruction from Golf Academy of Hilton Head at Sea Pines. Redeem Membership Rewards® points for golf instruction from Class A PGA professionals! School sessions include instruction, personalized improvement manual, lunch, and more. Schedule a one-day golf school for 50,000 Membership Rewards points, a two- day golf school for 100,000 points or a three-day golf school for 175,000 points. Please call 1-843-785-4540 or visit www.golfacademy.not for more information. Ionic Breeze® - the Most Trusted Air Purifier! Redeem Membership Rewards® points and realize the benefits of reduced allergens and dust with a Sharper Image Ionic Breeze® Quadra® Silent Air Purifier. The best-selling Ionic Breeze® offers silent operation, efficient air cleaning and odor reduction, as well as no replacement filters, low energy use and 24-7 air cleaning in every room. 10x Points Plus the Perfect Gift at GiftSense.com Gift Sense's' online shopping provides smart ideas and answers for every gift-giving need this Spring--all in one convenient place--plus you can earn 10x Membership Rewards® points! A trusted partner of FTD.COM®, www.GlftSense.com offers quality products, dependable delivery, secure transactions and guaranteed satisfaction. ens 1201/04. Nd veil In Mae Man a volh ollwr disc.. Prockellybe .,d e. 440119. To earn bonus points, you nun be em:0icl hto Kkaltershp Rewards Rowan IF Mend Fulobooe. auSOW• Me parches lo en coat% moo umerban Even* Gait Data pins no be wedged to your at we wayn 1042 week. Wan Ko: sec Introducing a Nike Golf Exclusive Nike Golf would like to introduce the Tiger Woods package for 55,000 Membership Rewards® points (NIKE20). This G O L r exclusive package features the Nike Ignite Driver, a dozen Nike One Golf Balls and The Upper Deck Tiger Woods special collectible tin trading card set. This offer is only available while quantities fast. Page 6 of 7 To get started now with Automated Bill Payment, visit www.american express.comlabp33 for lines and phone numbers of providers who accept the Card for automatic bill payment or for more information. (MR Message 1173) To redeem Membership Rewards points visit, vnintamedcanexpress. conVrewards or call 1.800-AXP-EARN (297-3276). (MR Message 4172) To redeem Membership Rewards* points for Shaper Image items, visit www.americanexpress. corn/rewards or 1.800-AXP-EARN (297-3276) (MR Message 4047) Earn 10X points at wvinv.giftsense.com/ amexmrl everyday and all year. (MR Message 5287) Redeem now at www.amedcanexpress. com/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 4221) 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. EFTA01704742 DUPLICATE COPY Pt For a ,...CustomExtras rt. Clx.ng Date 05/03/04 Page 7 of 7 AOL® for Small Business! Try It FREE for 45 Days! Try AOL® for Small Business, a version of AOL designed for small business owners and decision-makers. Access business savings, online marketing tools, expert advice, priority support, and more! Network with other small business professionals. Learn how to start, grow and manage your business! Sign on to AOL for Small Business today and get your first 45 days FREE! Free trial must be used within the first 45 days of initial sign-up. To avoid being charged a monthly fee, simply cancel your membership before trial period ends. Monthly fee varies by plan selected. Dunng trial period, premium services carry surcharges, communication surcharges may apply in certain areas, and members may incur charges on phone bills depending on calling plan and location. Offer for new AOL members in U.S., 18 or older. American Express Business Card is required for registration. A AOL Small Business To sign up, visit opon.amortcancxpress. com/aolsb2. Already an AOL Member? Go to AOL Keyword: Small Business for service details. (CE 104440) Get a $10,000 to $100,000 Line of Credit There are so many things that can require a quick infusion of cash. Luckily, as a member of the OPEN Network, the Business Capital Line is there for you. Whether you're looking to invest in new inventory, or just make payroll, the Business Capital Line is a great way to give your business the flexibility to handle almost anything. And best of all, NO collateral is required and 100% of your line is available as cash. Apply today. Subject to credit approval—not all customers may qualify. All applicants must have been in busness for at least 2 years. Once approved, the status of your account will be reviewed annually. Upon review you may be contacted to provide addtional information OPEN SMALL BUSINESS NETWORK' Call 1.600.276.2504 to apply. Or for more information or to apply online, visit openamerfcanexpress. comfworicingcapital (CE 104444) Cardmember Notification Effective June 1, 2004, the savings offered through Everyday Savings at Cingular Wireless to American Express Business Cardmembers will no longer be available. Cardmembers who have signed up for qualifying plans before June 1, 2004, will continue to receive the savings per the terms of the offer. Effective April 1, 2004, access to the Epinions Web site through OPEN: The Small Business Networks" will no longer be available. OPEN SMALL BUSINESS NETIVOINC (CE 104441) Enjoy the Rewards from Paying State Business Taxes Paying taxes has its good points. Earn one Membership Rewards® point for virtually every dollar you charge for state business taxes and fees on your eligible, enrolled American Expresso' Card. Simply use your Card to make a payment with Official Payments Corp.® at www.officialpayments.com/amex7.1sp or call 1-800.2PAY-TAX (1-800-272-9829). Note: All tax payments made with the Card are subject to a convenience fee charged by Official Payments Corp. Acceptance of card payments, business tax types, and the convenience fee vary by stale For complete details about fees and participating states, visit Official Payments Corp. online. Terms and Conditions of the Membership Rewards program apply. For details, visit whvw.officialpayments. corniamexlisp or call toll-free at 1.666.6214109. (CE 104438) 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. EFTA01704743 Blue for Business's' Previous fedoneeS 1,458.86 DUPLICATE COPY OPEN SMALL BUSINESS NETWORK" New Aclioily Ire. AdjustmorM aid Paymool AofoOyS Faxed Gnepee I aw -400.00 +392.65 AzotiN ',Amber New Balance$ -1,451.51 'Zeal • 0IRIRowe i;!Q ,M.I6*,00±0140 040ftAf ,, . MIT,9Mr?"2 1,2 s0,4 : onirg Data 06/02/04 Minimum Amount Due $ 29.00 Credit Line Summary on 06/02/04 Total Credit Line $ 11,300.00 Available Credit Line $ 9,848.49 Cash Advance Limit $ 2,300.00 Avaiab:e Cash Unit $ 2,300.30 Pagel of 8 Payment Due Date 06/27/04 Please refer to page 2 for important information regarding your account To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity .1`4"`"*"'"' Amounts Thank VOu 05/03/04 USPS 1050050998 GAITHERSBURG MD POSTAL SERVICES 05/08/04 GIANT FOOD1284 ROCKVILLE MD GROCERIES 05/06/04 GIANT FOOD 8245 GERMANTOWN MD GROCERIES/SUNDRIES 05/08/04 CROWN 11908920 GAITHERSBURG MD CROWN GAS/MSC2948050911908920 05/10/04 GAITHERSBURG PARTY RGAITHERSBURG MD 301-963,9011 AMOUMS 37.00 7.73 10.12 32.13 11.30 05/1W04 GIANT FOOD 1245 GERMANTOWN MD GROCERIES/SUNDRIES 05/11/04 OFFICE DEPOT, INC. GAITHERSBURG MD OFFICE PROD. & SUPPLIES PAPER,ADD,3X128,10PK,WHITE PAPER,ADD,225X130,12PK,WHITE ROC No. 350018370 36.04 Please rod on the cerfcrabon Wow. 60.a:hand rabm or Ni your paynsit Payment Coupon Malli7-1450 Mail Payment to: Payment Due Date: 06/27/04 Total Now Balance $ 1,451.51 Minimum Amount Due $29.00 • Maul enclosed H.LIOduHLOUILLLLIIMULULdullind AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I 12.51 Continued on Pegs 3 Please enter account number on all checks and correspondence. Make check payable to American Express. To avoid additional Finance Charges on purchases, pay the New Balance before the Payment Due Date. Check here it address or telephone number has changed. Note changes on reverse side. 0001451511300002900 02 rl EFTA01704744 DUPLICATE COPY ad Fce >S6 Page 2 of 8 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in process!ng. We reserve the right to process checks electronically , at first presentment and any re-presentments, by transmtling the amount of the check, routing number, account number and check serial number to your financial institution. Your checidng account may be debited as soon as the same day we receive your payment. If we can not collect the funds electronically at first presentment, we may issue a draft against your account for the amount of the check Authorization for Electronic Payments: By using the American Express pay By Computer, Pay By Phone or any other American Express electronic payment service, yOu will be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at vivnv.amoricanoxpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number inckated on your paper statement , or crick on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service Office or call anylocal American Express office. Finance Charges: Average tally Balance Method for Calculation of Finance Charges:We use the Average Daily Balance method to calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as describedbelow) for each feature (such as Purchase, Cash Advanceand Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance for each feature, we take the beginning balance for the feature each day (indulng unpaid Finance Charges from previous tilling periods), 2) add any new transactions, debts, or fees, (3) subtract any payments or credits, and (4) make any appropriate adjustment s. For each day after the first day of the billing period, we also add an amount of interest equal to the previous day's dai balance multiplied by the dolly periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up al the daily balances for the feature for the tilling period and divide the total by the number of days in the bang period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will bo considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Pa t Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of ad ys in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by roundmg. The total Finance Charge fcr the billing period is calculated by adding the Finance Charges assessed on all features of the Account. This method of calculeng the Average Deily Balance and Finance Charge results in daily compounding. of Finance Charges. The minimum Finance Charge for any billing period in which Finance Charges are imposedisS0.50. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.amencanexpress.comt or you can call us at 1.800-IPAY-AXP for Pay By Phone and Fay By Computer issues, or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also wnte to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Ten us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or whyyou need more information. We will investigate your complaint and coned any error promptly. If we take more than 10 business days to do this, we win credit your account for the amount you think is in error, so that -you will have use of the money during thetime ft takes us to compieteour investigation. Creditor: American Express Bank, FSB or Amencan Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1-800-518-8866. Change of Addreso If coloct co Icon, do nut use Mete Car parry Name Strati Address Ciy. &aro Lo Code Asoa code and Homo Phone Area Gods arid Work Phone Erna rii • To Pay By Phone 1.800.472.9297 Customer Service 1.877.258.3254 24 hours/7 days Lost or Stolen Card 1.800.521.6121 International Collect 1.623.492.7719 Hearing im pm gaired (TTY 1.800221-9950 FM: 1.800-695.9090 In NY: 1400522-1897 O Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329 -7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing your email address to American Express will enable you j tO receive Special offere suited to your needs. EFTA01704745 DUPLICATE COPY Pr od Fa II OSP.; Ocdo 06/02/04 Page 3 of 8 New Activity continued AMOunt$ 05/15/04 15730 SHADY GROVE ROGAITHERSBURG MD 23068893180137263054280 ROC No. 0046086ISL 05/15/04 GIANT FOOD 8245 GERMANTOWN MD 18.16 GROCERIES/SUNDRIES 05/22/04 GIANT FOOD $245 GERMANTOWN MD 46.34 GROCERIES/SUNDRIES 05/27/04 THE HOME DEPOT 2550 GAITHERSBURG MD 52.47 HOME IMPROVEMENT 05/27/04 OFFICE DEPOT, INC. GAITHERSBURG MD 9.92 OFFICE PROD. & SUPPLIES EPSON ERC-09 PURPLE MATRX EPSON ERC-23 RIB BIX/RED ROC No 350023340 05/28004 GIANT FOOD *245 GERMANTOWN MD 27.59 GROCERIES/SUNDRIES 05/29/04 CROWN 11908920 GAITHERSBURG MD CROWN GAS/MSC2535053011908920 05/29/04 GIANT FOOD 9245 GERMANTOWN MD 12.26 GROCERIES/SUNDRIES 06/02/04 Periodic FINANCE CHARGE -7.22 29.55 32.31 Total of New Activity 392.65 Finance Charges Billing days this penod: 30 Average Daily Daily Actual ANNUAL Nominal ANNUAL Period: Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 1,49928 0.0383% 13.97% 13.99% 17.22 Cash Advances 0.00 0.0520% 0.00% 18.98% 0.00 17.22 Certain of the periodic rates and APRs above may be vanab'e. 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. EFTA01704746 DUPLICATE COPY Pg • cd Fcr Page 4 of 8 EFTA01704747 Totals For uestions about your Me Rewards account, contact 1-800-AXP-EARN (297-3276) vnra.arnericanexixess.ccriVrewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembeIVINCIfefidits Options"' Monthly Statement and Program News Statement Period April 1, 2004 - April 30, 2004 Aco3urk activityafter this period does not appear on this statement Available Points 2,387 Points are available when charges are paid In full and all your accounts are in good standing. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 1,380 +1,007 0 0 2,387 New Points Earned 04/01/04 - 04/30/04 Points Activity On Bonus Points Total Poils Activity Eligible Charges Awarded Per Card 1,007 0 1,007 1,007 0 1,007 theinbashia Rewards Opdcna cora coned may be translated a 'Wormed ea bre es rd caroled Cadsweet are in red Stars Pointe !renewed a redeemed wool be revrrsW Wok Wane pogra Forfeited points can M relneleted foreign by ceding the number provided below. EligbleCard chaste we manuring* tearbecteks Free,* Cptions pagan, Tarns and Ccrateore n wis Pleabertilip Rends Cprens GuiPetau haveteesdate. &asp vim vanyamerIcanexpresseemitrianbe retreats:N.0one or cal 1-805AXP-EARel 129 732761. Fran ovinsiees, oat coact 5348164M dIcaracarncalca suantat.”••••••:YarA• a SeaWorld. ADVENTURE PARRS 0AmPAL swab. Sao Pp. Earn More! New ways to earn points. Fly to the Caribbean with Air Jamaica! Enjoy legendary Lovebird Hospitality on the airline voted World's Best to the Caribbean for six years in a row by 'World Travel Awards'! Redeem 35,000 Membership Rewards® points for economy-class travel to Jamaica or to any of Air Jamaica's Caribbean island destinations including Antigua, Barbados, Bonaire, Curacao, Grenada and St. Lucia. Double points on your next family vacation! Earn double Membership Rewards& points and get family vacation when you book and pay for an adventure vacation at Sea World, Busch Gardens or Sesame Place between 6/1/04-9/15/04, for travel by 12/31/04. Create a customized vacation or choose one of the featured packages. To algae to can bonus pants, you not be enOISCI in me ateateitap Rewards pro:yarn a On Sine er purchase on an eligbe, enngodemecisan Eatessei Cad. Bann pants Nieto created as your /*teeters/1p ReWRICIS accaaleehri 6-8 %wets eller canes appear on sax blavStRNTRAL Bonus ID 6625 Page 5 of 8 American Express' Call 1.800.523.5585 for reservations or visit vninv.airjamaica.com. (MR Message 0376) Go to www.seaworld VBCBUOPIS.COM, buschgardensvacations. com or vrww.sesame placevacatIons.com, enter code AXPFUN and plan your trip. (Bonus ID 6625) 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. EFTA01704748 American Express• KRUPS GaP ATE COPY MO enLn lP W ::1 • • • n.5 [WAR U. Introducing the Krups Duothek Stainless Steel Therm Krups would like to introduce the Duothek Stainless Steel Therm (PRM359) for 31,000 points. Make coffee and tea at the same time! The Duothek Stainless Steel Therm has two independent brewing systems, perfect for making regular and decaf coffee or tea and coffee. Two double-insulated, eight-cup thermal carafes keep coffee hot for hours. The Duothek has Krups Deep Brew technology to provide you with coffee full of rich, robust flavor. Available in Stainless Steel. Join the Fun • Geoffrey's Birthday Club! Now, you can redeem Membership Rewards® points for 'R' Us gift cards! Use them to buy toys, clothing and baby items in any Toys'R'Us or Babies'R'Us store. And while you're in Toys'R'Us, sign your child up for Geoffrey's Birthday Club! Every Club member gets a birthday card from Geoffrey, a special surprise and Fun Pass for an incredible Birthday Club experience in our store. Mom gets a party planner with valuable tips and coupons. And it's all FREE! Moan don akast eight weeks km impel nedirnent to new® a tAlhday camd. Foe meal store beefs," and to tees the 'R Us Fen* Prinoy Foley. ea:11-60040Y3RUS (143004611•7787) 01.604f wenv.toystusaornfprIvarypelley. 2x Points•Greeting Cards from Gallery Collection Stop running To The Store! Order premium quality greeting cards at low, Direct-from-the-Publisher prices. Earn Double Membership Rewards® points on all orders from June 1 to August 31, 2004. AMTRAK To be elcba So exn Eaten pnats, TOJ must bb or coxed is t,a Erselatresh'p Rempds nod ste at the line of purchase ad you ma: elvage sots peels:no on an *IOW ervollrd Amman EnsreetEr Card. Sams point wrl be crederd b you Picerbershp Reverves smart rextnn 6.8 weeks eller <names apw: en your Ulm statement Bonus JO: 8884. Redeem at GAP this Summer Summer is in the airl Welcome warm weather in breezy tiered styles and floral prints. Redeem Membership Rewards® points this summer for Gap Gift Cards! Use Amtrak® Certificates for Business or Vacation Travel Northeast business travelers can take advantage of amenities like comfortable seating, conference tables and power outlets aboard Acela Express® between Boston, New York and Washington. In addition, Amtrak provides service to over 500 destinations across the country. You can redeem Membership Rewardse points for Amtrak certificates ranging from $50-$300. For reservations or information, call 1.800-USA-RAIL (872-7245) or call your travel agent. kaiak e-d Awls Express we 'Nitrated taste marts d lie Nalisnal Flailva1Passenper Ceretralca. Page 6 of 8 Redeem now at yAvytamerIcanexpress. com/rewards or ca01.800-AXP-EARN (297-3276). (MR Message 1465) Sign up for Geoffrey's Birthday Cub for FREE at any ToysR'Us Store! (MR Message 5097) Browse our selection of Birthday, Holiday and All Occasion Cards at www.gallerycollectIon. com/amex or call (201) 641-0700 for a catalog. (Bonus ID 8684) Visit cvww.american express.comirewards or call 1.800-AXP-EARN (297-3276) to redeem points today. (MR Message 7008) To review Amtrak rewards and redeem points, visit mninv.americanexpress. com/rowards or cal 1-800-AXP-EARN (297-3276). (MR Message 2036) 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. EFTA01704749 DUPLICATE COPY Fr Ad Fa Acccont htmtrar Clcsirg 06/02/04 Pagel of 8 AUTOMATIC BILL PAYMENT with American Express CustonnExtras- Pay Your Bills Automatically with Your Business Card Take advantage of Automatic Bill Payment, a fee-free benefit of your American Express® Business Card that can help make sure your business bills get paid on time, every time. It's a time-saving, convenient way to manage cash flow--and you can use it to pay a wide variety of service providers. Plus, you can earn Membership Rewards® points for each bill you pay with Automatic Bill Payment. Call your service providers to enroll. To learn more, go to open.americanexpress. comiautomaticbill. (CE 104549) OPEN Network Business Travel Center In addition to savings of up to 20% on domestic flights* and the ability to search and book flights on low cost carriers, the OPEN Network BusinessTravel Center now offers exceptional hotel rates through the Preferred Extras Hotel Program. When you book your hotel reservations with the OPEN Network Business Travel Center, you can find the best unrestricted business rates available with our participating partners. 'On aggregate, diet can save an average of 8-111% on their airline expenditures. Discounts are based on specific fare classes and availability at the time of booldng. Additional Terms and Coodtions apply. OPEN SIAALL BUSINESS NETWORK' Book your next business trip at open .amerf canexpress. comrbusInesstravel or call 1-866-400-OPEN (6736). (CE 104550) Introducing OPEN Savings" No Coupons. No Codes. No Kidding. OPEN Savings Is a new easy way to save at places like AT&T, FedEx®, Hertz®, Staples®, and others. Plus, the savings are in addition to other savings you may already receive. Simply use your American Express® Business Card and see your savings on your statement. OPEN WALL OUsINISS NtIVOluC Payment must be made with an American Express Business Card. Participation and otters are subject to change without notice. Terms and Conditions apply. For more information please visit open.amerIcanexpress.comisavIngs. Use your Card and start sav ing! To learn more, go to open.amencanexpress. cornhavings. (CE 104551) Business Capital Loan from American Express Do you need money for a business initiative that you can pay back over time? If so, then the Business Capital Loan from OPEN: The Small Business Network'" is a convenient source of capital for your business. It gives you the power to select the amount you need and the terms of your repayment. The application is simple with no additional paperwork required in most cases. Plus, the approval process is quick, so you will have the money you need before you know it. BUSINESS BAPIMLLOAN Subject to credit approval, not all customers may cagily. All applicants must have been in business for at least 2 years. For a fast decision, apply online at open.ameticanexpress. com/businessloan or call 1.988.771-9090. (CE 104555) Get a $10,000 to $100,000 Unsecured Line of Credit There are many things that can require a quick infusion of cash. Luckily, as a member of the OPEN Network, the Business Capital Line is there for you. Whether you're looking to invest in new inventory, or just make payroll, the Business Capital Line is a great way to give your business the flexibility to handle almost anything. And, best of all, NO collateral is required and 100% of your line is available as cash. Apply today. Subject to credit approval, not all customers may qualify. All applicants must have been In business for at least two yen Once approved, the status of your account will be reviewed annually. Upon review, you may be contacted to provide additional information. Business Capital Line Call 1.800-276-2504 to apply, or for more information or to apply online visit open.amerIcanexpress. comfworldngcapital. (CE 104547) 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. EFTA01704750 DUPLICATE COPY Page 8 of 8 Share the Rewards - The American Express Donation Site Charitable giving is now even easier when you use your Card at the American Express Donation Site. Make a donation to any of over 850,000 U.S. charitable organizations. You can give to multiple charities in one transaction or set up Recurring Donations to a favorite charity. Donations are tax deductible and you will receive an instant e-mail receipt for tax purposes. Use your Card to donate to a favorite charity at vawr.americanexpress. com(donate. (CE 104556) 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. EFTA01704751 DUPLICATE COPY 2,963 OPEN Blue for Businesssm Memberihip,ftevitards0 PoInts Available SMALL BUSINESS NETWORK" at 05/31/64, when charges due are paid in full and all accounts are in good standng.; Fe! AomidNierber Clocker Dale 07/02/04 Page 1 of 7 Previous &Iona $ Palmeri AdMVS Now AO* S is Finrceit Mtn roc and hew Mance S Minimum Amount Due $ Payment Due Date 07/27/04 Please refer to page 2 for important information rega•cing your account 1,451.51 -600.00 +246.55 =1,098.06 • 22.00 Credit Line Summary on 07/02/04 Total Credt Line $ 16,300.00 Available Credit Line $ 15,201.94 Cash Advance Limit $ 3,260.00 Available Cash Limit $ 3,260.00 Please note, your credit limit is $16,300.00 and your cash limit is $3,260.00. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877.258.3254. Activity It 'sra"edm• AmountB C6(03/04 THE HOME DEPOT 2550 GAITHERSBURG MD HOME IMPROVEMENT 60,68 06/07/04 GIANT FOOD 4245 GERMANTOWN MD GROCERIES/SUNDRIES 32.28 06/08/04 GAITHERSBURG PARTY RGAITHERSBURG 301.9663-9011 MD 11.30 06/08/04 CROWN 11908920 GAITHERSBURG MD CROWN GAS/Iy1SC6560060911908920 3426 06/11/04 OFFICE DEPOT, INC. GAITHERSBURG MD OFFICE PROD. & SUPPUES EPSON ERC-09 PURPLE MATRX EPSON ERC-23 RIB BLK/RED ROC No. 350036315 9.92 06/12/04 GIANT FOOD 4245 GERMANTOWN MD GROCERIES/SUNDRIES 19,10 + Pbeas lee ceittopolcialca tolow detach and returnveth your permed Payment Coupon J12111r. GAITHERSBURG MD 20877.1450 hddll.d.hh.0.d.AhdilddhAdAdd"H Mail Payment to: Payment Due Date: 07/27/04 Total New Balance $ 1,098.06 Minimum Amount Due $2200 • Amount enclosed HdlI oUlAddhld.hadhllallhdullad AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 Wh.0.A.M.HoLdh.lin.dAhdd.“Idl Continued on Page 3 Please enter account number on al checks and correspondence. Make check payable to American Express. To avoid additiOnal Finance Charges on Purchases, pay the New Balance before the Payment Due Date. Check here if address or telephone number has changed. Note changes on reverse side. 000109606000002200 02 rl EFTA01704752 DUPLICATE COPY NOS Page 2 of 7 Payments: Payments received after 12:00 noon or on weekends or hoICays may not be credited until the next business day. Payments, must be in US Dollarsand drawn on a bank located in the US (other than a line of credt check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment :n the enclosed envelope with the remittance stub attached and account number indicated on the check Please do rot send post-dated checks. They win be deposited upon receipt. If payment is made in any other loan or at any other location, there may be a delay in processing. We reserve the right to process checks electronically , at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we can not collect the funds electronically at first presentment, we may issue a draft against your account forthe amount of the &sett. Authorization for Electronic Payments: By using the American Express Pay By Computer Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at www.americanexpress.com. Lost or Stolen Card: If the Card Is lost or stolen, in the U.S. immediately telephone us at the number indicated on your paper statement, or dick on the Customer Service link online. Outside the U.S. contact the nearest Amencan Express Travel ServiceOffice or call any local American Express office. Finance Chargos: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance method to calculate Finance Charges on your Account. Under this method, we figtre the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as cfescribedbelow) for each feature (such as Purchase Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance for each feature, we (1) stake the beginning balance for the feature each day (including unpaid Finance Charges from previous billir.g periods), (2) add any new transadions, debits, or fees, (3) subtract any payments or credits, and (4) make any appropriate adjustmen . For each day after the first day of the billing period, we also add an amount of interest equal to the previous day's dilly balance multiplied by the dolly periodic rate for the feature. This owes us the daily balance for the feature for that day and the beginning balance for the feature fcr the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature, For all features except Cash Alliances and certain promotions, the Average Daily Balance MI be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Dale shown on that statement. It you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the baling period is calculated by addng the Finance Charges assessed on all features of the Account. Thus method of calculating the Average Daily Balance and Finance Charge results in daily compounding of Finns Charges. The minimum Finance Charge for any biding period in which Finance Charges are imposed is $0.50. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.arnericanexpress.com,_ or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please Canted us as soon as possible. We must hear from you no later than 60 days alter we sent you the FIRST statement or which the problem or error appeared. When contacting us: 1. Toll us your name and account number; 2 Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or whyycu need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will creed your account for the amount you think is in error, so that you will have use of the money during the lime it takes us to complete our investigation. Creditor: American Express Bank, FSB or Amencan Express Centurion Bank New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1.800-518.8866. Change of Address I correct con from de net use Name Sampans Norm Street Adcheso CO. State Zus Cade At tea Code and Herne Peer* Area Cede and Work Phone Ems r 1 To Pay By Phone 1.800-472.9297 Customer Service 1.877-258.3254 24 hours/7 days Lost or Stolen Card 1-800-521-6121 International Collect 1-623-492-7719 Hearing Impaired (9arn-5pm EST) TTY: 1-800-221.9950 FAX: 1-800-695-9090 In NY: 1-800-522-1897 • Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33338-0002 Providing your email address to American Express will enable you aimml to receive special offers, suitedto your needs. EFTA01704753 DUPLICATE COPY Nam a 07/02/04 Page 3 of 7 New Activity continued Amount $ 06/17/04 CROWN 11908920 GAITHERSBURG CROWN GAS/MSC0374061811908920 MD 35.21 08/18/04 GIANT FOOD 8245 GERMANTOWN GROCERIES/SUNDRIES MD 28.87 07/02/04 Periodic FINANCE CHARGE 14.93 Total of New Activity 246.55 Finance Charges Billing days this period: 30 Average Daily Daly Actual ANNUAL Nominal ANNUAL . Periodic Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 1,299.85 0.0383% 13.97% 13.99% 14.93 Cash Advances 0.00 0.0520% 0.00% 18.98% 0.00 14.93 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. EFTA01704754 DUPLICATE COPY EMM Page 4 of 7 EFTA01704755 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) vomamericanexpress.com/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembeNfilfrtlifillits Options' Monthly Statement and Program News Statement Period May 1, 2004 - May 31, 2004 Account activity after this period does no: appear on this statement Account Summary New Points Earned 05/01/O4 - 05/31/04 Available Points 2,963 Points are available when charges are paid in full and all your accounts are in good standing. Opening points balance 2,387 New points earned +576 Points transferred or redeemed O Reinstated points and adjustments 0 New points balance 2,963 Points Activity On Bonus Points Total Prints Activity Eligible Charges Awarded Per Card 1.1.11 576 0 576 Totals 576 0 576 Membemhp Reward:O06am Mai mead may to tramlorred or redeemed ra beg as al: onrceid Cudamounts atomised Mint, Pena frenoleced cc rotioanof Caned be revereed beck into lb steams. Forkhod points can be reinstated for a fee by elating dier amber provided below. embk Cad Myra WO wined intro Morrbershts Rewads Opt pregran Terms and Caddo,* In yea Morcbathip Rewards q:Eora c a.R you him succtions, pass vod wamometkanexpress.corarnembershlprowardsoptIona a cell 143C0.AXSEAFIN (237-$274). Fran ammo; cal eclat X6-816-2799. a SeaWorld. ADVINTURI ?ARKS tWaSs psi% Si. Pee Earn More! New ways to earn points. SeaWorld and Busch Gardens Adventure Parks Experience a world of unique attractions and incredible thrills by redeeming Membership Rewardse points for tickets to SeaWorld and Busch Gardens Adventure Parks. You can redeem for tickets for multiple parks, including Busch Gardens (Tampa, Williamsburg), Adventure Island (Tampa), SeaWorld (San Antonio, San Diego, Orlando), Water Country (Williamsburg) and Sesame Place (Philadelphia). Mk& fa /Menton ISM (Tempe). Busch GerdWIS (Tar pa) ard Seated:1(M andMA Mach March 31, 2CC6. 'Makes la Such Gardelegleiambagt. Water Caine (WitiaTraur 91 Sesame Plate (Phiadeptia)tee veld eaugh the seam. Tates we neeereptreatie it bet Cf dam Page 5 of 7 American Exprcss• To review these rewards and redeem points for tickets, visit veiny. americanexpress.com/ rewards or call 1-500-AXP-EARN (297-3276). (MR Message 3076) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704756 ATE COPY Page 6 of 7 EFTA01704757 DUPLICATE COPY MIS CustomExtras- Cleairo Dae 07/02/04 Page 7 of 7 Bid on Unique Prizes at Blue PLAY! Visit the online auction where you can bid on amazing experiences with Membership Rewardse points. New auctions are posted every week, and there's no fee to participate. Past auctions included luxurious spa weekends, the JVC Jazz Festival and Newport's 50th, and Legends of Boston Baseball! To see what's on the auction block, visit open.americanexpress.comfblueplayforbusiness. Membership Rewards program Terms and Cord tions apply. Not earning Membership Rewards points for virtually every dollar you spend? Visit open.american eepress.comfbusiness mroptions. (CE 104622) 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. EFTA01704758 Blue for Businesss" Pt -c•I For DUPLICATE COPY OPEN SMALL BUSINESS NETWORK" ClosIngla Pravicu: &Wm. PeirmentAtavityS New ActAty Friame n3.Adetisra I mxi any New &Waco S 08/62/04 Minimum Amount Due Page I of 5 Payment Due Date 08/27/04 Please refer to page 2 for important information regarding your account 1,098.06 -50.00 464.97 01,113.03 22.00 Credit Line Summary on 08/02/04 Total Credit Line $ 16,300.00 Available Credit Cash Advance Line $ Limit $ 15,186.97 3,260.00 Available Cash Limit $ 3,260.00 To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity knaPaImada 04L1° .Vf0 New Activity for Amount IIPSSOMX0 AmountS 07/06/04 THE HOME DEPOT 2550 GAITHERSBURG GOODS/SERVICES MD 16.68 07/09/04 EXXONMOBIL8304895581GAITHERS GOODS/SERVICES MD 35.11 08/02/04 Periodic FINANCE CHARGE 13.18 Total of New Activity 64.97 Finance Charges Billing days this period: 31 PurchaseS Cash Advances Average Daily Balance $ Daly Perla& Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE • RATE RATE Periock FINANCE CHARGES 1,110.72 0.00 0.0383% 0.0527% 13.97% 0.00% 13.99% 19.24% 13.18 0.00 13.18 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. Nos° fdd on Be pedatika barn. cknadh and learn wail your payment + Payment Coupon Mail Payment to: -5960 Payment Due Date: 08/27/04 Total New Balance $ 1,113.03 Minimum Amount Due MOO $ • I Amount enclosed Hdadd.IUMARAllaulldlikdAhhH AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 LAIN,Ilrrrllr„Il I'll I I Please enter account number on all checks and correspondence. Make check payable to American Express. To avoid additional Finance Charges on Purchases, pay the New Balance before the Payment Due Date. Check here it address or telephone number has changed. Note changes on reverse side. 000111303000002200 02 rl EFTA01704759 DUPLICATE COPY Page 2 of 5 Payments: Payments received after1200 noon ce on weekends or holidays may not be credited until the next business day. Payments, must be in US Dolars and drawn on a bank located in the US (other than a fine of crecit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks eledrcnically , at first presentment and any re-presentments, by trarsmkting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debuted as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against Irour account for the amount of the check. Authorization for Electronic Payments: By using the American Express Pay By Computer Pay By Phone or any other American Express electronic payment service, you will be authorizing American Exxoss to initiate an electronic debit to tfie financial account you specify in the amount you request. To use Pay By Computer, please, visit us at www.americanexpress.com. Lost or Stolen Card: If the Card is Ice( or stolen, in the U.S. immediately telephone us at the number indicated on yew paper statement,_or tick on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service Of hoe a call any l coal American Express otlioa. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance method to calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daly periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase Cash Advance and Balance Transfer features) of your Account (inducting current transactions). To get the Average Daily Balance for each feature, we (1 take the beginning balance foe the feature each day (inducing unpaid Finance Charges from previous billing periods), (2) add any new transactions, debits, or fees, (3) subtract any payments cr credits, and (4) make any appropriate adjustmen s. For each day after the first day of the billing period we also add an amount of interest actual to the previous day's daiy balance multiplied by the dallY periodic rate for the feature. This gives us the daily balance for the feature forthat day and the beginning balance for the feature fcr the next day. If this ba ante is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the toeing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for that feahne, 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 Daly Balance and Finance Charge results In daily compounding of Finance Charges. The minimum Finance Charge for any billing period in which Finance Charges are imposed is saw. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.comt or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay 8y Computer issues, or 1.800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. It you think your statement, receipt, or transaction is wrong, please contact us as soon as posstie. We must hear from you no later than 60 days after we sent you the FIRST statement onwhich the problem ores appeared. When contacting us: 1. Tell us your name and account number, 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as dearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and coned any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is In error, so that you will have use of the money during thetirne it takesus tocompletecur investigation. Creditor American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative cretlt card rates, fees and grace periods bycalling 1-800-518.8866. Change of Address It coned on from do no! we Warne rr Company Nam* 1 I I I r l Street Address City, State Bp Code Area Code and Horne Phone Mn Code and Wok Phone 1 1 1 1 1 Emal To Pay By Phone 1-800472-9297 Customer Service 1.877-258.3254 24 hoursa days Lost or Stolen Card 1.800-521.6121 International Collect 1.623.492.7719 Hearing Impaired (gam-Sint EST) 17Y: -400.221.9950 FAX: 1.800.695.9090 In NY: 1.800.522.1897 • Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329.7863 Payments PO BOX 360002 FL FT LAUDERDALE 33336-0002 Providing your emal address to American Express will enable you j to receivespecial offers, suitedto your needs. EFTA01704760 For questons about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) wvay.americanexpress.com/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembeNfilfilifigals Options' Monthly Statement and Program News Statement Period June 1, 2004 - June 30, 2004 Account activity after this period does not appear on this statement Available Points 3,338 Points axe available when charges are paid in full and all your accounts are in good standing. Account Summary New Points Earned 06/01/04 - 06/30/04 Opening points balance 2,963 New points earned +375 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 3,338 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card IMO Totals 375 0 375 375 0 375 Members-7i p Rewards Oplitos pct earned may be tansferred Or reckoned as long BS dB encIred Cad adosts are bused staring Pont tar gamed a redeemed awed to recited bad irto the program. Fa/ellen points can be ;elmated for a tee by calling the number provided below. Elgin'sGard shames are eons] in to Mentes/Ms &wads Optons prcgran Tema and Coreitlons in yaw MentelBC Rewords CfnanS Ouch. II you ta-re guested, geaSe v44 Minvamerloanespreh.comInembershIprewardsoptIons a cal 1./B2t.SAYP•EPAN (297-3276). Franoh:mesh canceled 33S-818279S. A Earn More! New ways to earn points. Use Miles as Money with GlobalPass® GlobalPass offers Membeyship Rewards® enrollees the ability to use Miles as Money toward any airline, anytime. With the GlobalPass SuperAwards' Program, transfer Membership Rewards points to GlobalMiler and redeem toward tickets on any airline worldwide! GlobalPass also offers GlobalAwardse, allowing enrollees to redeem Membership Rewards points toward travel on GlobalPass Affiliated Airlines including AeroPostal, TACA and KLM. Earn Up to 1,500 Bonus Points with AOL® 9.0 Optimized! Membership Rewards® enrollees get AOL--FREE for 50 days. Plus, earn up to 1,500 bonus points (500/paid mo.) when you sign up with an eligible, enrolled American Express® Card and stay on AOL after the trial period ends. AOL TRILL MUST BE USED WRHIN 50 DAYS OF INITIAL SlGMON. To *rand tang d rrocrhly lee ca-eel 2Mtra bbl eds. Ural register by 93004 imrg Oh-old URL at Pay AOL fees 4(14/06 for terns psish. To be e e let tones pclnIA anal be ended err lisytership Reed/dial line ACC leo is charged 1 AMC( •-tyd. Bans Oft w3I be awarded 500 fro for ash pa month d AOL IneInterstio Sea up to max el I ,SOD Reid. Wog days AM mond/yin b dohs, ervoled AMEX Card. ems posts yell bo dolled to Membershp Rewards hod welt 10-12weeks en rte re appear on ding in To be awarded tones pcids se must pay ACC more* mernbershb led by MINS Bonus ID: 7492. Page 3 of 5 American Express. r MEMBERSHIP jR • • n [ 11-u. if A To transfer Membership Rewards points to GlobalPass Miles, call 1.600-AXP-EARN (2974276) or go to wv/w.american express.com/rewards. (MR Message 6387) Call 1.800.276-3459 or visit www.free.aol. corn/mn for complete terms and conditions. (MR Message 9033) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704761 GAP Alitalia ATE COPY American Express ,' Amazing Back-to-School Savings at Staples®! From crayons to calculators and pencils to portfolios, Staples makes it easy to find the hottest buys all in one place. Redeem Membership Rewards® points for Staples Awards and shop in store, through the catalog or online at Staples.com. It's all here, you're all donel Back to School with Gap Gift Cards Redeem Membership Rewards® points for $25 or $50 Gap Gift Cards! Get the school year off to a great start by using a Gap Gift Card to get your favorite classics or the season's latest looks. Gap has styles for every generation. Gap Gift Cards can be used at any Gap store in the U.S. and at www.gap.com where you'll find more sizes, more fits and more washes. Experience Italy with Alitalia! As Italy's premier airline, Alitalia offers the most non-stop flights to, Italy from all its U.S. gateways. Enjoy wide-body seats, superb gastronomy, an extraordinary in-flight boutique and world-famous service from the people who have turned living into an art form. Redeem Membership Rewards® points and experience the passion of Italy. Take advantage of the new Magnifica Class Companion reward and bring a friend! Redeem Membership Rewardes points with Discovery Channel Stores! Discovery Channel reaches beyond the television screen to bring you a universe of products guaranteed to °Entertain Your Brain". From leading-edge electronics to exclusive toys, there are plenty of products to help you share the spirit of Discovery. Page 4 of 5 Veit amerIcanexpress.comf rewards or call 1.800-AXP-EARN (297-3276). (MR Message 7079) To find out more about using Membership Rewards points to get Gap Gilt Cards, visit lawny. americanexpn3ss.comf rewards or call 1.600-AXP-EARN (297-3276). (MR Message 1099) Veit www.american express.comfrewards or call1-800-AXP-EARN (297-3276). (MR Message 6344) To find the nearest store or begin your shopping online, visit www. dlscovery.corn(store or visit www.amertcan 1.800-AXP-EARN or call 1-80 (297-3276). (MR Message 6339) 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. EFTA01704762 DUPLICATE COPY Claim Da% 08/02/04 CustornExtras- Page 5 of 5 Look Where Your Business Can Save With OPEN Savings5" Save at AT&T, FedExe, Hertze, Staples®, 1-800-FLOWERS.COMe, USA TODAY and more, just by using your Business Card. OPEN Savings provides discounts that automatically appear on your monthly statement. No coupons or codes are needed and the savings are in addition to other savings your business may already receive. OPEN SMALL BUSINESS NEI WORN' Payment must be made with an American Expresse Business Card. Participation and offers are subject to change without notice. Terms and conditions apply. For more information please visit open.americanexpress.comrsavings. Use your Card and start saving! To learn more about where your business can save, go to open.emedcanexpnr.s. corn/savings. (CE 104775) Exclusive Savings at Hertz - No Coupons or Codes Needed Save 5% off your total rental cost, including taxes and surcharges, when you pay with your American Expresse Business Card. The savings are in addition to any savings you qualify for on your own and will appear automatically on your statement each month. Hertz Root Svecht Valid only at participating U.S. locations. Payment must be made with an American Express Business Card. Participation and offers are subject to change without notice. Terms and concflions apply. To learn more, visit open.ameticanexpress. com/savings. (CE 104776) Borrow Up to $100,000 At a Fixed Rate The Business Capital Loan from OPEN: The Small Business Network' is an unsecured installment loan with repayment terms of 24 or 36 months. The simple application process and quick approval times allow you to receive your funds within two days. It is ideal for large capital expenditures such as business expansions or office renovations, and the fixed monthly payments make planning a lot easier. BUSINESS CAPITAL LOOK Subject to creek approval, not all customers may qualify. All applicants must have been in business for at least 2 years. For a fast decision, apply online at open.american express.comfbustness loan. (CE 104773) 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. EFTA01704763 DUPLICATE COPY Blue for Business" OPEN SMALL BUSINESS NETWORK" litemb,ership Rowardso? Points Availatile at 07/31/04, when charges die are paid i71_ lull ard accounts are in gcodstanteng. Pr cd F R Prevnus Ilfthuree S Payment AtlAty Ng...Oa-Wry $ FiAintreet—sez,..naang, ..marl Nutter Nov Solara Clxtrq Ode 09/02/04 Minimum Amount Due $ Page 1 of 8 Payment Due Date 09/27/04 Please refer to page 2 for important information regarding your account 1,113.03 -25.00 +573.34 =1,661.37 33.00 Credit Line Summary on 09/02/04 Total Credit Life $ 16,300.00 Available Credit Line $ 14,638.63 Cash Advance Limit $ 3,260.00 Available Cash Limit $ 3,260.00 To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. • IFIKOM POMP? Owl Activity Amount S 0W17/04 CHEVRON 0211778 GERMANTOWN ROBERT POUNGER Description UMISCELLANEOUS ROC No. 7882911 MD 32.96 08/19/04 PAPA JOHN'S 16052066GERMANTOWN GOODS/SERVICES MD 11.54 08/19/04 CHEVRON 0211778 GERMANTOWN ROBERT POUNGER Description UMISCELLANEOUS ROC No. 7884066 MD 29.58 08/21/04 EXXONMOBIL2607724875GERMANTO GOODS/SERVICES MD 22.25 08/21/04 GIANT FOOD INC 1362 GERMANTOWN GOODS/SERVICES MD 28.96 08/22/04 BEST BUY CO 819 GERMANTOWN GOODS/SERVICES MD 141.72 FP/Wald] on Co perlwatca below, dew./i and * Lenwnh y1XY parent $ Payment Coupon am= GERMANTOWN MD 20876.5960 Mail Payment to: Payment Due Date: 09/27/04 Total New Balance $ 1,661.37 Minimum Amount Due $33.00 Amount enclosed UddlIAMILLWILAIAIJUAIfflahll AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 Continued on Page 3 Please enter account number on all checks and correspondence. Make check payable to American Express. To avoid addtional Finance Charges on Purchases, pay the New Balance before the Payment Due Date. Check here if address or telephone number has changed. Note changes on reverse side. 000166137000003300 02 rl EFTA01704764 DUPLICATE COPY Pr id Foe Page 2 of 8 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the rernfttamm• stub attached and account number indicated on the check Please do not send post-dated checks, They will be deposited upon receipt.. If payment Is made in any other form or at any other location, there may be a delay In processing We reserve the right to process elects electronically , at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your chedeng account may bo debited as soon as the same day we receive your payment. If we cannot collect the funds etedronically at first presentment, we may issue a draft against your account for fie amount of the check Authorization for Electronic Payments: By using the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you WI be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you request-. To use Pay By Computer, please visit us at www.americanexpress.00m. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your paper statement or dick on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service Office a call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance method to calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as describedbelow) for each feature (such as Purchase, Cash A/dance and Balance Transfer features) of your Account (including current transactions). To get the Average Deity Balance for each feature, we take the beginning balance for the feature each day (including unpaid Finance Charges from previous billing periods), (2) add any new transactions, debits, or fees, (3) subtract any payments or credits, and (4) make any appropriate adustmen s. For each day alter the first day of the billing period, we also add an amount of interest equal to the previous days deify balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the tilling period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounchng. 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 calculeffng the Average Daily Balance and Finance charge results in daily compounding of Finance Charges. The minimum Finance Charge for any billing period in whidiFinands Charges are imposed is $0.50. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.com,_ or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-800-CASH-WW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you Mink your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear hem you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number, 2. Provide the dollar amount cd the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as dearly as you can why you believe there is an error or whyyou need more information. We wit: investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1800-518-8866. Change of Addicts II correct co front do no: use h.vno Company Name. Shoot Adircoa OW. Siete alp Code Area Code and Went Prone Atoa Cale aria Wak Phone Ernal o To Pay By Phone 1.800-472.9297 Customer Service 1.877-258-3254 24 hours!? days Lost or Stolen Card 1-800-521-6121 International Coiled 1.623.492-7719 (Hewing arn-5pm Impaired EST) B TTY: 1.800.2₹I.9950 FAX: 1-800-695.9090 In NY: 1-800-522-1897 Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing your email address to American Express will enable ymi milmj to receive special offers, soled to your needs. EFTA01704765 DUPLICATE COPY Pt cd For Account Nurbor Cktsirta Dare Page 3 of 8 09/02/04 New Activity continued AmountS 08/23/04 GIANT FOOD INC 8362 GERMANTOWN GOODS/SERVICES MD 43.02 08/24/04 PAPA JOHN'S16052066GERMANTOWN GOODS/SERVICES MD 11.54 08/24/04 CHEVRON 0211778 GERMANTOWN ROBERT POLINGER Description UMISCELLANEOUS ROC No. 7886635 MD 30.45 08/26/04 PAPA JOHN'S4/6052066GERMANTOWN GOODS/SERVICES MD 11.54 08/26/04 EXXONMOBIL1807724875GERMANTO GOODS/SERVICES MD 24.75 08/26/04 CHEVRON 0211778 GERMANTOWN ROBERT POUNGER Description UMISCELLANEOUS ROC No. 7887659 MD 17.46 08/28/04 EXXONMOBIL1807724875GERMANTO GOODS/SERVICES MD 18.26 08/28/04 GIANT FOOD INC 8362 GERMANTOWN GOODS/SERVICES MD 50.33 08/30/04 EXXONMOBIL1807724875GERMANTO GOODS/SERVICES MD 24.42 08/31/04 PAPA JOHN'S 86052066GERMANTOWN GOODS/SERVICES MD 11.54 08/31/04 CHEVRON 0211778 GERMANTOWN ROBERT POLINGER Description UMISCELLANEOUS ROC No. 7890310 MD 28.59 09/01/04 EXXONMOBIL1807724875GERMANTO GOODS/SERVICES MD 19.14 09/02/04 Periodic FINANCE CHARGE 15.29 Total of New Activity 573.34 Finance Charges Average Daily Billing days this period: 31 Balance S Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGES Purchases 1,287.83 Cash Advances 0.00 0.0383% 0.0534% 13.97% 0.00% 13.99% 19.49% 15.29 0.00 15.29 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the p-ime rate Identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704766 DUPLICATE COPY imiumu Page 4018 EFTA01704767 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) vnenv.americanexpeess.comkewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329.9785 MembeNfilf4Teilifit Options; Monthly Statement and Program News Statement Period July 1, 2004 - July 31, 2004 Account activity after this period does not appear on the statement Available Points 3,569 Points are available when chaves are paid in full and all your accounts are in good standirg. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 3,338 +231 0 0 3,569 New Points Earned 07/01/04 • 07/31/04 Points Activity On Bonus Points Total Points Activity Eligibe Charges Awarded Per Card 231 0 231 Totals 231 0 231 Ilerrbernhp Rewards Optece pont, earned mat to translerea or ordesmod keg as all ensiled Cad =cores are ingocd siand.rg. Puns karts cared 0, reckoned carrot 0 revc.-..ed b.rk roll the pregrant. Forfeited point, can be reinstated for a fee by calling the number provided below. Elgebla Card charges are ciknad ogle Meriberonp PfaWata Optoris picgrain Tarr and Ca la:wit n Yak Itleinnuono Howard: 01:0:415 Dude. V itiv have quasi/oo. please vial weiviamerieenexpress.cangmembershiprewardsoptIons a call I.800-AW-EARN 1297-3276). Ran edemas& call cdkel 3054'6-2799. Page 5 of 8 EFTA01704768 ATE COPY 1 American Express Page 6 of a EFTA01704769 DUPLICATE COPY Saw IIIIIIIM I CustomExtras- 40fr in-1-... Closfro Dal* 09/02/04 Page 7 of 8 Exclusive 10% Savings at USA Today Save 10% off your USA Today subscription--no coupons, codes, or limited time offers when you pay with your American Expresse Business Card. The savings are in addition to any other offers or savings your business may qualify for on your own. The savings will appear automatically on your statement each month. To learn more, visit open.americanexpress.com/savings. M.ISA TODAY Valid on all U.S. subscription purchaSes. Payment must be made with an American Express Business Card. Participation and offers are subject to change without notice. Terms and conditions apply. Visit www.myusatoday. corn/open to subscribe or call 1.800-USA-0001 and save 10%. (CE 104900) Get a $10,000 to $100,000 Line of Credit Need cash to grow your business? The Business Capital Line was specifically designed to meet the needs of small business owners. You can use it to finance short-term growth opportunities--or to pay for business expenses, such as payroll, inventory and rent The application is simple and takes only a few minutes to complete. NO collateral is required and 100% of your line of credit is available as cash. Apply today. Subject to credit approval, not all customers may qualify. All applicants must have been in business for at least 2 years. Once approved the status of your account will be reviewed annually. Upon review you may be contacted to provide additional information. Business Capital Line Call 1300.276.2504 to apply. Or for more information or to apply online, visit open.americanexpress. cornhvorkingcapitel. (CE 104902) Borrow Up to $100,000 at a Fixed Rate The Business Capital Loan from OPEN: The Small Business Network" is an unsecured installment loan with repayment terms of 24 or 36 months. The simple application process and quick approval times allow you to receive your funds within two days. It is ideal for large capital expenditures such as business expansions or office renovations, and the fixed monthly payments make planning a lot easier. BUSINESS CAPITAL 1:041!. . rtogl,I(aania•=0.1..4:tin Subject to credit approval, not all customers may qualify. All applicants must have been In business for at least 2 years. For a fast decision, apply online at americanexpress.com/ buslnessloan. (CE 104897) Put Expense Reports in Their Place with ExpensAble: Late turning in your expense reports? Join the crowd. Now, a solution is at hand. ExpensAble replaces paper forms or spreadsheets with an intuitive, easy-to-use software solution. Loaded with powerful convenience features, including pre-filling expense reports with Business Card data at the touch of your mouse! Save 25% with your Business Card! Payment must be made with an American Express* Business Card. The savings wit appear on the Cardinember's monthly statement, and is only available directly through OneMind Connect. Participation and offer are subject to change without notice. Terms and conditions apply. ExpensAble To purchase, or for more information, visit www.expensable.coml openl. (CE 104905) Save an Extra 5% with AT&T Now you can save an extra 5% on AT&T Small Business Local and Long Distance Calling Plans with OPEN Savings. As an existing or new AT&T Small Business customer, when you enroll in recurring automatic bill payment with your American Expresse Business Card you'll receive 5% off your qualifying AT&T Small Business Local and Long Distance bill each month. Terms and conditions apply.* *AT&T terms and conditions: Savings apply to qualifying AT&T Small Business calling plans and charges billed via recurring automatic bil payment using an American Express Business card AT&T and the AT&T Globe Design are registered marks of AT&T. To start saving and learn more, visit wvv.att.com/ opensavings or call 1.800329.9384. Terms and conditions apply. (CE 104914) 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. EFTA01704770 DUPLICATE COPY Pr • AU For II Page 8 of 8 Open Savingsgm Can Add Up Quickly - Start Saving Now Start saving today at AT&T, FedCx®, Hertz®, Staples®, 1-800-FLOWERS.COM®, USA TODAY, and more, just by paying with your Business Card. The savings appear automatically on your statement, and require no coupons or codes. What's more, the savings are in addition to offers your business may already receive. OPEN SMALL BUSINESS NETWORK' Payment must be made with an American Express Business Card. Participation and offers are subject to change without notice. Terms and conditions apply. Start saving today! For more information, please visit open.amoricanoxpress. com/savings. (CE 104899) 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. EFTA01704771 Blue for Business" DUPLICATE COPY OPEN SMALL BUSINESS NETWORK'• Ftonor Pro.noo: Ba:anco RayrneetArforly$ i Now &Minty re. Adenwri erg, n r NOW Solara S Ckung Date 10/03/04 Minimum Amount Due Page 1 of 8 Payment Due Date 10/28/04 Please refer to page 2 for important information regarding your account 1,661.37 -33.00 +1,236.39 "2,864.76 57.00 Credit Line Total Line $ Summary on 10/03/04 16,300.00 Available Credit Une $ 13,435.24 Cash Advance Umit $ 3,260.00 Available Cash Limit $ 3,260.00 To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-2583254. Activity bran oc•ire age AmoultS 09/03(04 CITGO 7 ELEVEN 25151R=STON VA CITGO GASAMSC98 764372515113 26.74 09/03/04 OLD SHANGHAI CAFE GERMANTOWN UNDEFINED MD 16.22 09/04/04 EXXONMOBIL1807724875GERIAANTO MD 3220 PAY AT PUMP1807724875 09/04/04 BEST BUY CO 819 GERMANTOWN ELECTRONICS/APPLIANCES ROC No. 003 06955 MD 10.49 09/04/04 . GIANT FOOD INC 8362 GERMANTOWN GROCERIES MD 37.14 09106/04 BARNES & NOBLE GAITHERSBURG BOOKS MD 47.08 09/07/04 DO(ONMOBIL1807724875GERMANTO PAY AT PUMP 1807724875 MD 30.76 09/08/04 E)0(ONMOBIL1807724875GERMANTO PAY AT PUMP 1807724875 MD 12.49 Plomolod on the portonflon below, doltch and return win nompayment + Payment Coupon ERMANT WN -5 60 • Amount enclosed Mail Payment to: Payment Due Date; 10/28/04 Total New Balance $ 2,864.76 Minimum Amount Due $57.00 AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 iititibismitii Codlnued on Page 3 Please enter account number on all checks and correspondence. Make check payable to American Express. To avoid attritional Finance Charges on Purchases, pay the New Balance before the Payment Due Date. Check here if address or telephone number has changed. Note changes on reverse side. 000286476000005700 02 ri EFTA01704772 DUPLICATE COPY Pr od F Page 2 of 8 Payments: PaymentS received after 12:00 noon or on weekends or holidays maynot be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in g. We reserve the nght to process checks electronically , at first presentment and any re-presentments, transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may bo debited as soon as the same day we receive your payment. If we cannot collect the funds electronic* at first presentment, we may issue a draft against your account for t • arnountof the check. Authorization for Electronic Payments: By using the Amencan Express Pay By Computer Pay By Phone or any other Amencan Express electronic payment service, you will be authorizing American Express to initiate an electronic debit to the financial account you specify in tho amount you request. To use Pay By Computer, please visit us at www.americanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your eaper statement, or click on the Customer Service link on:ire. Outside the U.S. contact the nearest American Express Travel Service Officeor call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Chargos:We use the Average Daily Balance method to calculate Finance Charges on yourAccount. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase Cash Advance andBalance Transfer features) of your Account (including current transactions). To get the AverageDaly Balance for each feature, we take the booming balance for the feature each day (including unpaid ce Finan Charges from previous billing periods), (2) add any new transactions, debits, or fees (3) subtract any paymentscr credits, 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 dolly balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the tilling period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. if you multiply the Average Daily Balance for each feature by the number of days in the tilling period and the daily periodic rate 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 addng the Finance Charges assessed on all features of the Account. This method of calculating the Average Daily Balance end Finance Charge results in daily compounding of Finance Charges. The minimum Finance Charge for any baling period in which Finance Charges are imposed is $0.50. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.com, or you can call us at 1.800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appered When contacting us : 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as Geary as you can why you beieve there is an error or why you need mere information. We will investigate your complaint and coned any error promptly. If we lake more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our invest is ation. Creditor. American Express Bank, FSB. New York residents, may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1.800.518.8866. Change of Address coned on frort do not ma Name Company Non10 Shoot Addrece OW, Stab Zip Code Area Code and HOT. Phone Area Code and Work Phone Erma L .11 1 P To Pay By Phone 1.800.472.9297 Customer Service 1.877.258.3254 24 hours/7 days Lost or Stolen Card 1.800.521.6121 International Collect 1-623-492-7719 Hearing Impaired (9am-5pm EST) TTY: 1-800-221-9950 FAX: 1-8g3-695-9090 In NY: 1.800522.1897 Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33116-0002 Providing your email addressto American Express will enable you torece'vespecial offers, suited to your needs. EFTA01704773 DUPLICATE COPY cke.L.00.y..) Page 3 of 8 10/03/04 New Activity continued ounts 09/09/04 EXXONMOBIL1807724875GERMANTO MD PAY AT PUMP1807724875 25.27 09/10104 GIANT FOOD INC 8362 GERMANTOWN MD GROCERIES 6.93 08/11/04 GIANT FOOD INC #362 GERMANTOWN MD GROCERIES 5295 09/11/04 MONTGOMERY COUNTY DLGERMANTOWN PACKAGE STOREJLIOUOR ROC No. 0000000140 MD 10.77 09/12/04 EXXONMOBIL1807724875GERMANTO MD PAY AT PUMP 1807724875 26.51 09/14/04 EXXONMOBIL8304696266ROCKVIU. MD PAY AT PUMP8304896266 36.47 09/14/04 GIANT FOOD INC #362 GERMANTOWN MD GROCERIES 15.46 09/15/04 PAPA JOHN'S 16052066GERMANTOWN MD RESTURANT 11.54 09/15/04 CHEVRON 0211778 GERMANTOWN MD ROBERT POUNGER Desaiplion LJNISCELLAt4EOUS ROC No. 7898288 21.87 09/16/04 EXXONMOBIL1807724875GERMANTO MD PAY AT PUMP1807724875 21.32 09/16/04 GIANT FOOD INC #362 GERMANTOWN MD GROCERIES 13.73 09/18/04 GIANT FOOD INC 6362 GERMANTOWN MD GROCERIES 24.97 09/19/04 GIANT FOOD INC 11362 GERMANTOWN MD GROCERIES 20.85 09/19/04 EXXONMOBIL1807724875GERMANTO MD PAY AT PUMPI807724875 26.31 09/21/04 PAPA JOHN'S 96052066GEFLMANTOWN MD RESTURANT 11.54 09/21/04 EXXONMOBIU3304696050BELTSVIL MD PAY AT PtLIP8304696050 32.12 09/22/04 EXXONMOBIL1807724875GERMANTO MD PAY AT PU•VP1807724875 27.96 09/22/04 MONTGOMERY COUNTY DLGERMANTOWN PACKAGE STORE/LIQUOR ROC No. 0000000085 MD 21.53 09/23/04 PAPA JOHN'S 96052066GERMANTOWN MD RESTURANT 11.54 09/23/04 CHEVRON 0211778 GERMANTOWN MD ROBERT POUNGER Description UMISCELLANEOUS ROC No. 7801936 14.82 09/25/04 EXXONMOBIL1807724875GERMANTO MD PAY AT PUMP1807724875 29.57 09/25/04 BANANA REPUBLIC #854NO BETHESDA MD MISCELLANEOUS AND SPECI ROC No. 4600032874 390.60 Continued on reverse EFTA01704774 New Activity continued DUPLICATE COPY =El Page 4 of 8 Amount $ 09/26/04 THE SHARPER IMAGE N BETHESDA MD ASSORTED MERCHANDISE FOR CUSTOMER SERVICE CALL 1-800444-5555 ROC No. 055138577 20.95 OW27/04 SUNOCO 0388297801HAMILTON TWP NJ SUNOCO 0001512 027202303 09/29/04 INTERFUEL LLC SPRINGFIELD VA 31.33 AUTOMATED FUEL PUMP 09/29/04 CHEVRON 0211778 GERMANTOWN MD 21:62 ROBERT POLINGER Description UPAISCELLANEOUS ROC No. 7804379 33.25 09/30/04 DOONMOBIL8304697280ABERDEEN MD 34.75 PAY AT PUMP8304697280 10/03/04 Periodic FINANCE CHARGE 26.83 Total of New Activity 1,236.39 Finance Charges Billing days this period: 31 Purchases Cash Advances Average Daly Daily Actual ANNUAL Nominal ANNUAL Panache Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ 2,260.00 0.0383% 13.97% 13.99% 26.83 0.00 0.0541% 0.00% 19.74% 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. 26.83 EFTA01704775 MembePifilfitiefedits Options' Monthly Statement and Program News For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) www.amencanexpress.com/renvards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 Statement Period August 1, 2004 - August 31, 2OO4 Account activity after this period does not appear on th's statement Available Points 3,621 Points are available when charges are paid in full and all your accounts are in good standrig. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 3,569 +52 0 0 3,621 New Points Earned 08101/04 - 08/31/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card AIM Totals 52 0 52 52 Membership Ftraerds Calms pants earned may be escalated or redee eds brg as ad mst *Val Cad :coati:it we in geed Warding.POND renewal or reckemcd caret be reversal lark iso the pcgrant Forfeited points can be reinstated feral...by csitleg the number provided below. Eigible Cad charges ere oultrod in the Mirnbership Pan'e4 CpSons accrom Tenn* aid Camaro in your Marriserstip Flows* Opals Guide. I you hare quesicce. crease ,..5A www.atherka nexpressamnimerr.bershIprewardseplions a cal 1-X0-MP. EARN (2974274 Remoteness, eel coded 305-816-2/99. ASixic6io EXPielie -4.. sesa" MiLesMaltcom MrSailarap_es 52 Important Notice Regarding Marriott Rewards® Option As of January 1, 2005, point transfers into the Marriott Rewards program will no longer be an option in the Membership Rewards. program. All point transfers into the Marriott Rewards program must be complete by December 31, 2004. Please remember that any Membership Rewards point transfers into the Marriott Rewards program are considered final and non-refundable. Marriott certificates will remain a reward option in the Membership Rewards program. Earn Bonus Points at Top Retailers Through Milesmall.com Here's a great way to earn bonus points at 150 of the most well-known brands. Enroll at Milesmall.com and when you shop through their online mall using a registered American Expresso Card—you can earn bonus points for your purchases all year round. Visit www.Milesmall.com/ americanexpress to register and see how many bonus points can be earned when you shop with Milesmall.com. EnralMent and terns and conacas la Miasmas= aryl/. To be dgire to earn taco para. Sou mat be *MOS in the Membernhe PeNtacatt, progffill it the erne or parch..te and you mint charge your puschsar tv an eliftle. enrc2/d Arne:can Espress Cact an* pcires ml be cordrkd to sea Ragan scourl %villa 10-12 siesta atter clargos Bay co pas alrg slalommt. Fin:granodd from CCASOt to MOS% Bann d): 2449. Limited Time Offer from Rail Europe! For a limited time, redeem 15,000 points and receive a certificate for $100 off any Rail Europe booking of $350 or more. This offer is valid for bookings between October 1, 2004 and November 31, 2004. So act fast. Rail Europe is one of the largest suppliers of European rail and travel services in North America. Prckages basal on two page travelog together, ttkicel to atalabily. Certain Nat:tout dales tic 01 Important Message: Marriott Rewards° to leave the Membership Rewards Program. To see the full array of rewards accessible to you, log on to www.american expross.comirewards. (MR Message 5069) Visit www.Mitesmall.com/ ameticanexpross to enroll and register and start earning bonus points today! Remember you can only earn bonus points when you link though MAesmall.com. (MR Bonus ID 2449) To review these rewards and redeem points, visit www.americanexpress. com/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 3190) 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. EFTA01704776 A.Delta ASPENANOWMASS LINENS.N.THINGS* THE SHARPEN IMAGE' ATE COPY New! 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. At Benihana, enjoy an experience at every table! For door-to-door directions, please visit us at www.benlhana.com or call 1-877-BENIHANA (236-4426) for the location nearest you. Let Delta Make That Dream Vacation Come True Delta and Delta's worldwide airline partners can take you to over 480 destinations in 87 countries. Visit www.delta.com for redemption options. Plan Your Next Ski Vacation with Aspen/Snowmass Redeem Membership Rewards@ points for Aspen/Snowmass for your next ski vacation. You can redeem points for certificates for skiing, snowboarding or rentals at each of the four mountains--Snowmass, Aspen Mountain, Aspen Highlands and Buttermilk. For more information, call 1-800.525-6300 or visit www.aspensnowmass.com. Rewards valid trough Pool 11.200t Reward Yourself at Linens'n Things Linens'n Things is the one-stop superstore for all your home fashion, houseware, and home decorating needs. All the brand names you trust at guaranteed low prices everyday. Linens'n Things. DREAM BIG. PAY LITTLE. Earn Five Membership Rewards® points from Sharperimage.com This Holiday Season Find unique gift ideas and earn five Membership Rewards points for virtually ovary dollar you spend when you shop at www.sharperimage.com/amexpoints. The Sharper Image shares the fun of discovering innovative products that make life easier and more enjoyable. As ono of America's premier specialty online retailers, sharperlmage.com is a great place for great gift ideas this holiday season. Offer yard ONLY when_ your b mime horriniasproomlamexpolnts through 129106 To can bonus Oft you moot boall.46.1in to Membetsbp llowado proof= al the tined tettate. ad charge ref pachr.o 1, an chglia enscacd Anton Some°. Cott Net vehi in obrec, or Tr The Marva Imago Atoka oto. Ora terns apply. Boma Pcirlo war be worked lo you Moteerel6p Rewards ccoant 10-12 wool% aftcr alntgea corrou on yam ktling clacirnori. Bonn 0:1076. Page 6 of 8 To redeem 5,000 points for $50 Benihana Gift Card, visit xnvw.american express.comtrewards or call 1-800.AXP-EARN (297-3276). (MR Message 6116) Not already a SkyMiles member, call 1.800-323.2323 to sign up! (MR Message 5026) To review these rewards and redeem points, visit www.amerIcanexpress. comirewards or call 1.800-AXP-EARN (297-3276). (MR Message 3376) To find one of the nearly 500 locations nationwide nearest you, call toll-free 1.866.568-7378 or shop www.LNT.com anytime. (MR Message 9084) Shop at wmv.sharper Image.comramexpoInts today and earn five points for every dollar you spend this holiday season. (MR Message 3243) Offers are made only to Cardmembers who moot certain qualifying criteria. By responding you. ill be disclosing to the merchant that you meet these criteria. EFTA01704777 OPEN savinfleffigiffS6 OOP. S Total Savings to Date For This Account 0.00 Pc.9.-; 7 )1 Savings Since Savings This Period May 2004 Through Oct 02 0.00 0,00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since May 2004 5% OPEN SAVINGS AT AT&T Ongoing $0.00 5% $0.00 $0.00 20% OPEN SAVINGS AT CERIDIAN Ongoing $0.00 20% $0.00 $0.00 15% OPEN SAVINGS AT CONSTANT CONTACT OngcMg $0.00 15% $0.00 $0.00 26% OPEN SAVINGS AT EXPENSABLE Ongoing $0.00 25% $0.00 S0.00 5% OPEN SAVINGS AT FEDEX Ongoig $0.00 5% $0.00 $0.00 5% OPEN SAVINGS AT HERTZ Ongoing $0.00 5% $0.00 $0.00 2% OPEN SAVINGS AT STAPLES Ongoing $0.00 2% $0.00 $0.00 10% OPEN SAVINGS AT USA TODAY Ongoig $0.00 10% $0.00 $0.00 15% OPEN SAVINGS AT 1.800-FLOWERS.COM Ongoing $0.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at open.americanexpress.com/dashboard Other Ways To Savel To sea a complete list of partners and ways to save, visit open.americanexpress.com/ savings, or cal 1-800 NOW OPEN (669-6736) Save on your ooat of payroll preparation with Ceridian. Save on your USA TODAY subscription with OPEN Savings Save on expense management software with ExpensAble. Design eye catching email campaigns with Constant Cortad and save. Save on business travel with the OPEN Network Business Travel Center. Get a $10,000 to $100,000 Line of Credit Need cash to grow your business? The Business Capital Line was specifically designed to meet the needs of small business owners. You can use it to finance short-term growth opportunities—or to pay for business expenses, such as payroll, inventory and rent. The application is simple and takes only a few minutes to complete. NO collateral is required and 100% of your line of credit is available as cash. Apply today. Subject to credit approval, not all customers may qualify. All applicants must have been in business for at least 2 years. Once approved the status of your account will be reviewed annually. Upon review you may be contacted to provide additional information. Business Capital Line Save on Business Gifts from Williams-Sonoma® Williams-Sonoma is pleased to offer American Expresso Business Cardmembers a 10% discount on their 2004 Preferred Gifts Holiday Brochure.* To view this seasons gift selections, visit www.wililams- sonoma.com/open. WILLIAbISS0NOMA 'Must use an American Express Business Card. Offer only valid for purchases made through 1.800.922-9227. Please mention Source Code 33212-00. Discount only available on merchandise in the Williams-Sonoma Preferred Gifts brochure. Not combinable with other offers. Savings are not valid on gift certificates, taxes, shipping, gift-wrap or other surcharges. Offer valid in the U.S. only. Offer subject to item availabElty. Willams-Sonoma is a registered trademark of Williams•Sonoma, Inc. For more information, call 1-800-276-2504 to apply or to apply online, visit open.americanexpress. cont/woddngcapital. (CE 105023) To order, please visit our weteite at www.williams- sonoma.com/open or call 1.888.922.9227 to speak with a Business Sales Representative. Other terms and conditions may apply. Palicipation and offer are subject to change without notice. (CE 104960) 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. EFTA01704778 DUPLICATE COPY Page 8 of 8 Borrow Up to $100,000 at a Fixed Rate The Business Capital Loan from OPEN: The Small Business Network'" is an unsecured installment loan with repayment terms of 24 or 36 months. The simple application process and quick approval times allow you to receive your funds within two days. It is ideal for large capital expenditures such as business expansions or office renovations, and the fixed monthly payments make planning a lot easier. BUSINESS CAPITAL LOAN Subject to credit approval, not all customers may qualify. All applicants must have been in business for at least 2 years. For a fast decision, apply online at open.americanexpress. comfbusinessloan. (CE 105018) Exclusive Savings at Hertz • No Coupons or Codes Needed Save 5% off your total rental cost, including taxes and surcharges, when you pay with your American Express® Business Card. The savings are in addition to any savings you qualify for on your own and will appear automatically on your statement each month. Ma ffetx Welly. Valid only at U.S. participating locations. Payment must be made with an American Express Business Card. Participation and offers are subject to thange without notice. Terms and conditions apply. To learn more, visit open.americanexpress. comisavings. (CE 105019) 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. EFTA01704779 Blue for Business"~ Prevkus Balarce $ 2,864.76 Payment Oases S 0.00 DUPLICATE COPY OPEN 480' belfsitikKe.. Points vauabla SMALL BUSINESS NETWORK." et05V3C104, whenCharfe#.06arelawdsisie 1011enclallacCOUnte*a#1000qtaVg9a Ckeem Ode 11/02/04 Page I of 8 Ntvi Aclivty S it MBAS-nerds 3 Finance Clumn d any +1,445.34 NewMara 5 =4,310.10 Minimum Amount Due $ 126.00 Credit Line Summary on 11/02/04 Total Credit Line $ 16,300.00 Available Credit Line S 11,989.90 Cash Advance Limit $ 3,260.00 Available Cash Limit $ 3,260.00 Payment Due Date 11/27/04 Minimum Amount Duo Includes: Past due amount $40.00 This month's amount due $86.00 Please refer to -sage 2 for important information regarcfing your account Your account is past due. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity Irdestes pre:nodal* Total of Payment Activity AmountS 0.00 r .1,9/.04/ 4 INComILADELPHIA PA % - • - fik tAT;;BUbGET RENT 2A-CAR ‘"? ROC 676875 Amounts 83 36 Gedt • 410/30:C4 10/03/04 ALL. SPEND BE; A TEST $1 EES 001625 523.39 10,22/04 1.00 credt 1:0317A TC5.1T $1 001 $30.00 11)/23104 GIANT FOOD INC #362 GERMANTOWN MD GROCERIES 1:03 Credd 14 84 10/03/04 SUNOCO 0374642701TREVOSE PA SUNOCO 0009797 027815909 26.86 10/04/04 GIANT FOOD INC #362 GERMANTOWN MD GROCERIES 3 Kuno loll on the perloresan below. deed, and teem yms pawed Payment Coupon MR UMW GERMANTOWN 876 - 5960 Mail Payment to: Payment Due Date: 11/27/04 Total New Balance $ 4,310.10 Minimum Amount Due $120.00 • Amount enclosed Hildlidd.HLWAILALAIMAJHUSH AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I Ilthililimlill 7.95 Contlrued on Page 3 Please enter account number on all checks and correspondence. Make check payable to American Express. To avoid ackfitional Finance Charges on Purchases, pay the New Balance before the Payment Due Date. Check hero if address or telephone number has changed. Note changes on reverse side. 000431010000012600 02 rl EFTA01704780 DUPLICATE COPY Page 2 of 8 Payments: Payments received after 12:00 noon or on weekends or holidays maynot be cred led until the next bcsiness day. Payments, must be in US Dollars and drawn on a bank located in the US (other thane line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposited upon reoeid. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically , at first presentment and any re-presentments, by Tansmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may_issue a draft against your account for the amount of the check Authorization for Electronic Payments: By using the American Express Pay By Computers Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you recited. To use Pay By Computer, please visit us at www.americanexpress.00m. Lost or Stolen Card: If the Card is lost or stden, in the U.S. immediately telephone us at the number indicated on your paper statement_ or click on the Customer Service link online. Outside the U.S. contact the nearest American Express Trave: ServiceOffice cr call any l ocal American Express office. Finance Charges: Average Daily Balance Method Tor Calculation of Finance Charges:We use the Average Daily Balance method to cakulate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the dilly periodicrate to the Average Daily Balance (as descritedbelow) for each feature (such as Purchases Cash Advance and Balance Transfer features) of your Account (Including current transactions). To get the Average Dairy Balance for each feature, we (1 take the beginning balance far the feature each day (including unpaid Finance Charges from previous billingperiods), (2) add any new transactions, debits or fees (3) subtractany payments or credits, and (4) make any appropriate adjustmens *For each day atter thanfirst day of the billing period, we also add an amount of intense segued to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is corsidered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous months statement by the Payment Due Date shown on that statement. If you multiply the Average Dailyealance for each feature by the number of days in the billing period and the daily periodic rate for that Mature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the bilkng period is calculated by adding the Finance Charges assessed on all features of the Account. This method of calculating the Average Dolly Balance and Finance Charge results in daily compounding of Finance Charges. The minimum Finance Charge for any billing pericd in which Finance Charges are imposed is $0.50. In Case of Errors or Questions About Your Electronic Transfers: Please contact is by visiting us online at open.americanexpress.com, or you qan call us at 1.800-IPAY-AXP for Pay Ey Phone and Pay By Compiler issues, or 1.800-CASH-NOW ler Express Cash and automatic payment issues. You can also write to ,the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong. please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST* statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer ya.i are unsure of, and explain as dearly as you can why you believe there is an error or whyyou need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think sin error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor. American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rales,fees and grace periods by calling 1.800-518-8866. ("lenge of Address cooed On front Son% use Nome Company Marne Street Aadfoss Cis, State bp Cede Area Coke and Hari Phone Mn Code and work Phone Email To Pay By Phone 1-800-472-9297 Customer Service 1.877.258.3254 24 hoursa days Lost or Stolen Card 1-800-521-6121 International Collect 1.623492-7719 Hewing Impaired (9am-5pmi EST) TTY: 1.800-221-0950 FAX: 1400-695-9090 In NY: 1.800422.1897 Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 333364002 Providing your email address to American Express will enable you to receive special offers, suitedto your needs. EFTA01704781 DUPLICATE COPY I I ved Fa 11/02J04 Page 3 of 8 New Activity continued mount 10/04/04 13200 LAUREL•BOWIE RLAUREL MD 31.42 21951400726279256040981 ROC No. 0244079ISL 10/05/04 GIANT FOOD INC #362 GERMANTOVVN MD 11.34 GROCERIES 10/05/04 EXXONMOBIL8304696266ROCKVILL MD 31.14 PAY AT PUMP8304696266 10/06/04 EXXONMOBIL1807724875GERMANT0 MD 25.98 PAY AT PUMP1807724875 10/06/04 GIANT FOOD INC #362 GERMANTOVVN MD 29.55 GROCERIES 10/07/04 Whole Foods Ken 0052GAITHERSBURG MD GROCERY STORE/SUPERMRKT ROC No. 0002154 10/07/04 EXXONMOBIL1807724875GERMANTO MD 23.64 PAY AT PUMP1807724875 10/08/04 THE HOME DEPOT #2560GEF1MANTOWN MD 27.84 HOME SUPPLIES 16.78 10/08/04 BUDGET-STORAGE USA GAITHERSBURG MD VEHICLE USAGE ROC No. 507040 10/08/04 GIANT FOOD INC #362 GERMANTOVVN MD 10.43 GROCERIES 11Y10/04 GIANT FOOD INC #362 GEPAAANTOWN MD 28.79 GROCERIES 10/10/04 SUNOCO 0363052205PHILA PA 3262 SUNOCO 0016021028515837 345.16 10/12/04 PAUL FREDRICK SHIRT 800-247-8162 PA MENS APPAREL ROC No. 0027664418 10/13/04 15730 SHADY GROVE ROGAITHERSBURG MD 23068893180288275011360 ROC No. 0635300ISL 10/17/04 THE HOUSE OF JIN PHILADELPHIA PA 40.87 EATING PLACES AND RESTA 10/17/04 EXXONMOBIL1809675588PHILADEL PA 33.38 PAY AT PUMP/ 809675588 10/19/04 PAPA JOHN'S #6052066GERMANTOWN MO 11.54 RESTURANT 10/20/04 EXXONMOBIL1807724875GERMANT0 MD 34.93 PAY AT PUMP1807724875 10/21/04 EXXONMOBIL1807724875GERMANTO MD 29.70 PAY AT PUMP1807724875 10/21/04 GIANT FOOD INC #362 GERMANTOVVN MD 6.70 GROCERIES 10122#34 APPLEREES 001625GERMANTOWN MD 23.39 FOOD AND BEVERAGE FOOD 19.39 TIP 4.00 275 85 29.98 10/23/04 SUNOCO 0368300001E BRUNSWICK W 30.00 SUNOCO 0006811 029802220 10/29/04 EXXONMOSIL8304697462LAUREL MD 34.57 PAY AT PUMP8304697462 Continued on reverse EFTA01704782 DUPLICATE COPY New Activity continued Sin Page 4 of 8 Amount* 10/29/04 BEST BUY CO 819 GERMANTOWN MD ELECTRONICS/APPUANCES ROC No. 004 07616 10/29/04 SUNOCO 0368302601WOODBRIDGE NJ SUNOCO 0007163 030402389 10/29/04 MILESTONE CENTER GEFIMANTOYVN 50MD TJMAKX 0025 ROC No. 0250021130 10/30/04 REVERSAL OF AU. SPEND BETA TEST $1 1.00 APPLEBEES 001625 $23.391022/04 10/30/04 REVERSAL OF AU. SPEND BETA TEST $1 1.00 SUNOCO 0368300001 $30.001023/04 10/30/04 Late Payment Fee 35.00 10/30/04 SE PHORA-FLATIRON 830NEW YORK NY 48.88 DUTY FREE STORE ROC No. 001443 11/02/04 Periodic FINANCE CHARGE 43.50 157.49 16.00 1258 Total of New Activity 1,445.34 Finance Charges Billing days this period: 30 Average Daily Daily Actual ANNUAL Nominal ANNUAL Penedo Balance $ Periodic Rale PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 3,786.72 0.0383% 13.97% 13.99% 43.50 Cash Advances 0.00 0.0541% 0.00% 19/4% . 0.00 43.50 Certain of the periodic rates and APRs above may be variable Those tales may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmemberagmement-as currently-in effect. - • - - 7.-- EFTA01704783 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) vonv.americanexpress.conVrewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329.9785 MembeiVikftlifaffis Options' Monthly Statement and Program News Page 5 of 8 American Express• Statement Period September 1, 2004 - September 30, 2004 Vik1 " • " n) Account activity attar this period does not appear on this statement A-11.u. fl MC '4 Censure Available Points 4,180 Points are available when charges are paid in NI and all your accounts we in good standing. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points 'and adjustments Now points balance 3,621 +559 0 0 4,180 New Points Earned 09/01/04.09/30/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 559 0 559 Totals 559 0 559 Motba sh0 Rewards Cpbans perils corned may be trordened or recleancd ao long ae ad ortrdicd Card wt.en are in geed stardni. Font Itenslerred a redeemed carnet be reversed beck Info Die pregrant Forfeited points can be reinstated grate* by calling the renter provided below. F.h3 Ids Card chines we sacred it the Idernbentep Rewards Cceorta program Terns and Ceedlians in your Atemtershn Rewards Cdtont Gide. F You nom gm-Colima please visa warwawnericenexpreas.constnembershIprowardatedona ac I•eCOAXP'EAnN (297-3276). Preen esso.n, cal coma X6410-2799. F MRS Ugh Are ft icon. ex Ores asSuti gla ‘‘'‘ SPOKES Earn 10x points with FloworsUSA! Choose from festive floral arrangements and earn 10x Membership Rewards® points when you shop at www.FlowersUSA.com/amxmr. We offer fresh, beautiful floral arrangements and quality specialty gifts that the recipient is sure to enjoy. Holiday flowers and gifts starting at $29.99! Same-day delivery available! Cter void through 12/31X6. Nee valid in (dot Owes a in coreirdice with any ether caw fran Firs USA. To be Ngtb to earn tarts points you mull be eordied n the klarbershp Re-minis der/ernal to 6110 d purchase and charge your purchase roan eligtte, enroledAmeri-an EN:Jesse Cad Stew pout wa be crecoal to ytrx Merrbershp P.ewards eccoull waken 1042 weeks after thug:* oppose on yew bang deterrent. nonul D:1687. Membership Rewards Announces New Car Rental Program Effective January 2005, the Membership Rewards® program will enhance its car rental program by offering certificates from Avis, Hertz and its new partner Enterprise. Program benefits will include: applicability to best available rate and additional discounts for Membership Rewards enrollees. Stied la me lame ard cortbknS efeetive January 1.2006" Than* ar4 Carnal, =V vary by Pater. Generates Iran Barbel, Doter, NiereieJerd INV we be issued Droop December 31, 2034. and be veld 6 most from date at Gaul. Earn Double Points at Sun & Ski Sports Earn double Membership Rewards® points on any transaction of $150 or more when you use your American Express® Card at Sun & Ski Sports from November 1, 2004 to January 15, 2005. Sun & Ski Sports specializes in helping adventurous outdoor dreams come true with a full line of clothing and equipment for skiing (snow and water), bicycling, skating, running and camping. For the closest store near you, go to www.sunandski.com. To be elcyble to earn Ow= po'ats. you met be eroded In IN 1.1cmtershp Rewards prcgarn al the krW d purchase ad charge your purohaae loan elcat'd, endued American Evince Cord. Spam polls wit be cm:Ited to your or -curt 10.14 wed,: ate, ohms.: copes M )011 berg Sand& Earn 10x points when you visit www.FlowetsUSA. comramxmr or call 1-800-873-6165 and give promo code 9951. (Bonus ID 1687) Check cut tho upcoming 2005 Annual Program Guide for more details. (MR Message 8060) www.sunandski.com (MR Message 2331) 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. EFTA01704784 TE COPY <nn re s."`mantOCIISIIIP jetBlue AIRWAYS' COUNTRY WALKERS' bearrthrwridarrissepatarire Live in the oaiskin BONUS; .( 47.1.ICMIOCPSHIP NI EWA fil) Istikt...., detBlue - Our Newest Membership Rewards® Program Partner Membership Rewards welcomes JetBlue Airways as its newest airline transfer partner! Beginning December 8, 2004 you will be able to redeem Membership Rewards points directly into TrueBlue, JetBlue's Flight Gratitude program. JetBlue serves 29 destinations in 12 states, Puerto Rico, the Dominican Republic and now Nassau, The Bahamas. All JetBlue aircraft feature roomy all-leather seats each equipped with free live satellite television, offering up to 36 channels of DIRECTW Programming at every seat. 250 Marben/ip Rewords pcires equals I Trucial* pit (1230 Pdd rrireTcrn eansfia). Reward Yourself • Savor a Walking Vacation Step into the world with Country Walkers—the leader in walking--family, private, and multi-adventure tours. The vineyards of Tuscany, the glaciers of Alaska's Kenai Peninsula, Chile's Lake District--there is an adventure waiting! Extraordinary guides, small groups, fine cuisine and accommodations, and exceptional service are all signature features. Redeem Membership Rewards® points for up to $1,000 off any travel package. Visit www.countrywalkers.com to learn more. Great Skiing Vacations with Membership Rewards® points! American Skiing Company is one of the largest mountain resort operators in the United States with 7 premier resorts from Maine to Utah including Sunday River in ME, Attitash in NH, and The Canyons in UT, to name a few. Each resort is distinct, satisfying every level of ability with convenient slope-side lodging, family programs, and more. Redeem Membership Rewards points for lift tickets, lessons, lodging packages, and more! Visit www.peaks.com to learn more about the resorts. Earn Double Membership Rewards® Points by Donating to Your Favorite Charity Donate to any of over 1,000,000 U.S. charitable organizations and earn double Membership Rewards® points for every dollar you donate with an eligible, enrolled American Express® Card. This bonus point promotion is only eligible to Cardmembers who donate through the American Express Donation Site between October 1, 2004 and December 31, 2004. To earn beam pea, you mule be erwoltd b to IhttaipReraugs pe:grarn at the bract the doe uinn an] mat chase wur mate on an 409ble ewoled Miner h,an Open Cant Doradona d Mambo:sap Reseals pones aro not tea deduatze. Bonus Pants win beateltei b ref lientership Reword; scoount ellen 6-8 ween giber dunes amea: on your big camera The mein= miter d port yea can earn Outwit Ills proaceon Is 25,000. eons 0:5969. EARN Double points for Your Tickets with TKT.com! With 15 years experience, TKT.com offers PREMIUM seating to concerts, theater and sporting events. Now earn double Membership Rewards® points on all your tickets through January 31, 2005. Offer rnexavanoltSCO teats pokes gage ommoas To be Hebb to earn talus poi,* wu most be *craw in the Wartime° Ramada pagan id tn Dm of purchase an] you must charge yew µewer en imolaibb. emceed ameleen Eageessie Dad Bona parft MI be creitad to your Nombeusep Resumes eccart with 643 wade, Mos charges appoaran yncr tag ;anent emu ID:2704. Page 6 of 8 For more information about JetBlue or to join TrueBlue, visit wwwletblue.com. Visit www.american express.corn/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 5031) Visit innvw.american express.comkewards or call 1.600-AXP-EARN (297-3276). (MR Message 1270) Visrl snontamerIcan expross.comtrewards or call 1.600-AXP-EARN (297-3276). (MR Message 9364) To make a donation, go to wvAv.amoricanoxpress. com/donate. Terms and conditions of the Membership Rewards program apply. For more information visit WWW. americanexpress.comi rewards. (Bonus ID 5969) Book online at unnv.TKT.com or call 1.800-ALLSH0WS to earn double points. (Bonus ID 2764) 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. EFTA01704785 OPEN SaviranartAr Page 7 of 8 Total Savings to Date Savings Since Savings This Period May 2004 For This Account 0.00 C.00 Through Nov 01 0.00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since May 2004 AT&T - 5% OPEN SAVINGS Ongoing $0.00 5% $0.00 $0.00 FEDEX - 5% OPEN SAVINGS Ongoing $0.00 5% $0.00 $0.00 HERTZ - 5% OPEN SAVINGS Ongoing $0.00 5% $0.00 $0.00 STAPLES • 2% OPEN SAVINGS Ongoing $0.00 2% SO.00 $0.00 1•800•FLOWERS.COM -15% OPEN SAVINGS Ongoing $0.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at openamericanexpresscom/dashboard Other Ways To Save! To see a complete list of partners and ways to save, visit open.americanexpress.com/ savings, or cal 1-800 NOW OPEN (669-6736) Ease the headache of payroll with Ceridian Payroll Services and Save! Put Expense Reports in their place with ExpensAbte... Uso your Business Card and Savo on Constant Contact email services. Find the peeled business gift and great savings at 1-800-FLOWERS.COM. Business Flings provides everything you need to incorporate your business online. OPEN Savings" Are Now Summarized on Your Statement Your monthly statement now shows a breakdown of your OPEN Savings. You can see where you made your business purchases and how much you saved. Start saving at AT&T, FedEx®, Hertz® Staples®, 1-800-FLOWERS.COM®, USA TODAY, and more, just by paying with your Business Card. What's more, the savings are in addition to offers your business may already receive. OPEN SMALL BUSINESS RETVEBRIC Parent must be made with an American Expresso Business Card. Participation and offers are subject to change without notice. Terms and conditions apply. Start saving with our partners today! For more information please visit open.amerthanexpress. com!savings. (CE 105129) Pay Your Property Taxes Conveniently Online Enjoy the convenience and flexibility of paying your property taxes with your American Express® Business Card. Through Official Payments Corporation®, you can use your Business Card to pay property taxes in over 1,500 counties across the nation. You can also pay your federal and state quarterly estimated payments on the Business Card. Visit www.officialpayments.com/amex7.jsp to see what payments you can make in your area. Note: Tax payments made with the Card are subject to a convenience lee charged by Official Payments. For complete details about fees and participating government agencies, visit wyny.officialpayments.com/amex7.1sp. Visit www.off ldalpayrnents. corniamex7.jsp or cal 1.800.2PAY-TAX"'. (CE 105120) Always Save an Extra 15% This holiday season, thank the people that have helped your business succeed this year. 1-800-FLOWERS.COMe otters a comprehensive selection of unique holiday business gifts including gift baskets, crystal, chocolates, popcorn, flowers, and more. Use your Card and you are guaranteed to save 15% off your total purchase. Your savings are in addition to discounts your business may already receive and are inclusive of taxes and surcharges.* flowertc4om Payment must be made with an American Express* Business Card. Savings automatically appear on your statement each month. Participation and offers are subject to change without notice. Valid at all U.S. participating locations. Terms and conditions apply. To place your order today, visit vnvw.1800flowers. corn or call 1.800-FLOWEAS.COM' (1-800-356-9377). (CE 105099) 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. EFTA01704786 DUPLICATE COPY BONUS; Pt al Ca II NIS Page Sot 8 Earn Double Points by Donating to Your Favorite Charity Donate to any of over 1,000,000 U.S. charitable organizations and earn Double Membership Rewards® points for every dollar you donate with an eligible, enrolled American Express® Card. This bonus point promotion Is only eligible to Cardmembers who donate through the American Express Donation Site between October 1, 2004 and December 31, 2004. To earn bonus points, you must be enrolled in the Membership Rewards program al the time of the donation and must charge your purchase on an eligible, enrolled American Express Card. Donations of Membership Rewards points are not tax deductible. Bonus points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your billing statement. The maximum number of points you can earn through this promotion is 25,000. Bonus ID: $969. To make a donation, go to vwmamericanexpress. comidonate. Terms and conditions of the Membership Rewards program apply. For more information visit www.amedcanexpress. corn/rewards. (CE 105058) 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. EFTA01704787 Blue for Business'" DUPLICATE COPY OPEN SMALL BUSINESS NETWORK" 5,391 fitembership ReWards® points Available af:10:31/04,i,hen charges die we paid in. :tulle at accounts are in good stancbrig. Ghee Dee mo m Presets Bares S nawrierdeses it New Matz! Firarco=riant New Bares S 12/02/04 Minimum Amount Due $ Page 1 of 7 Payment Due Date 12/27/04 4,310.10 0.00 4256.60 334,566.70 239.53 Minimum Amount Due Includes: Past due amount $126.00 This month's amount due $113.53 Please refer to page 2 Crain Line Summary Total Crecit Lk* $ Available Credit Cash Advance Line $ Limit $ Available Cash Limit $ on 12/02/04 16,300.00 11,733.30 3260.00 3,260.00 for important information regarding your account Your account is past due. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258.3254. Activity "ffscals"a'sgda Amount I Total of Payment Activity 0.00 AmountS 11/03/04 SUNOCO 0015161301WOODCUFF U< SUNOCO 0003292 030902229 NJ 31.00 11/13/04 GREENPOINT TRUCK STOBROOKLYN 000634508 SERVICE STATIONS NY 32.67 11/18/04 SUNOCO 0368299401CRANBURY SUNOCO • 0008532 032402361 NJ 34.00 11/18/04 Whole Foods Che 0223MANHATTAN GROCERY STORE/SUPERMRKT ROC No. 000148156 NY 25.40 11/29/04 Late Payment Fee 35.00 12/02/04 Periodic FINANCE CHARGE 98.53 Total of New Activity 256.60 + PIUS* tic on the pelora,cn Maw, Man am roan we yea payment Payment Coupon MR MR= GE R 0 Mail Payment to: Payment Due Date: 12/27/04 Total New Balance $ 4,566.70 Minimum Amount Due $239.53 Amount enclosed IldaddAWMALadflullandiaddl AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I I I I I II II I I It II 1..11111111 II It III II I I I I I I I I I II II III II I Continued on Page 3 Please enter account number on all checks and correspondence. Make check payable to American Express. To avoid addaional Finance Charges on Purchase% pay the New Balance before the Payment Due Date. Check here if address or telephone number has changed. Note changes on reverse side. 000456670000023953 02 H EFTA01704788 DUPLICATE COPY' Page 2 of 7 Payments: Payments received after 12:00 noon or on weekends or holidayG may not be credited unfil the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They wit be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks e:ectronically , at first presentment and any re.presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account forthe amount of the check. Authorization for Electronic Payments: By using the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express to inAiate an electronic debit to the financial account you specify in the amount you request.- To use Pay By Computer, please visit us at vivny.americanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your paper statement, or click on the Customer Service lir* online. Outside the U.S. contact the nearest American Express Travel Service Office preen anytocal Americancwess office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance method to calculate Finance Charges on your Acoount. Under this method, we l pure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (nduding current transactions). To get the Average Daffy Balance for each feature, we (1 take the beginning balance far the feature each day (nducfmg unpaid Finance Charges from previous billing periods), 2) addany new transactions, debits, or fees, (3) subtract any payments or crecfits, and (4) make any appropriate adjustmer i .is . For each day after the first day of (he billing ponoci, we also add an amount of interest equal to rho previous day's deify balance multiplied by the dal' periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance fOr the feature for the next day. If the balance is negative, it is considered to be zero. Then, we add up ail the daily balances for the feature for the billing period and (Wide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by round®. 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 ca'culeffng the Average Dairy Balance and Finance Charge results in daily compounding of Finance Charges. The minimum Finance Charge for any billing period in which Finance Charges are imposed is 50.50. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at cpen.americanexpress.com or you Can call us at 1.800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong„ please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problemorerror appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error, 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or whyyou need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, wo will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to comrieteour investigation. Creditor. Ammican Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1.800.5188866. Change of Address Mooney en hall do tea us° Nome Company Name &root Melees Cry. Stale zp Code Area Cede and Horne Phone Area Code and Week Phone Email I— I I To Pay By Phone 1.800.472.9297 Customer Service 1-877-258-3254 24 hoursf7 days Lost or Stolen Card 1-800-521-6121 International Collect 1.623-492.7719 (Ham :l paired EST) 1.800.221.9950 FAX: 1.800.695.9090 In NY: 1-800-522-1897 Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing youremail address to Amercan Express will enable you to receive special offers, suited to your needs. EFTA01704789 DUPLICATE COPY PrI cd For Account Nwiter Cicero Cora 12/02/04 Page 3 of 7 I Finance Charges Biting days this period: 30 Average Daily Daly Actual ANNUAL Nominal ANNUAL Periodic Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 4,444.39 0.0739% 26.97% 26.99% 98.53 Cash Advances 0.00 0.0739% 0.00% 26.99% 0.00 98.53 Certain of the periods 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. EFTA01704790 DUPLICATE COPY Page 4 of 7 EFTA01704791 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) wonv.americanexpress.coralrewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembeRhifitiefaiffis Options- Monthly Statement and Program News Statement Period October 1, 2004 - October 31, 2004 Account activity after this period does not appear on this statement Available Points 5,391 Points are available when charges are paid in full and all your accounts are in good standing. Account Summary New Points Earned 10/01/04 - 10/31/04 Page 5 of 7 Opening points balance 4,180 New points earned +1,211 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 5,391 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 1,211 0 1,211 Totals 1,211 0 Membeistip Rewards Cptims panb earned may he transferred or redeemed as lonp ea enenrolee Card accesras 4:tango:el standing Rante Venslatitel or redeemed cannot be reversed bads into the program. Forfeited Writs can be mInstand Safe. by ceiling the number provided below. Dade cr4e charges are cedined in se Werten Ns Rewards Coticre program Teem Cendeiont n your Idembershrp Ramada 40:41$ Guide. 6 yen have quetitiTh glOasovist vntrwarneilcanexpress.comMembershIpremardsoplIons a cal l4100-AXREARN (297-327Ce. From cameos, calloalect3064I42789. BONUSZ3 NIENCERSHIP *Hite. Earn Double Points from Oreck Vacuum 1,211 Earn double points when you use your Card to purchase the Celoc® Hypo-Allergenic Plus 8 lb Oreck XL® Vacuum by calling 1-800-646-6934. PLUS, for using your Card you'll also receive the 5 lb Oreck Compact Canister with 8 • attachments perfect for small pickups and hard to reach places. Cher raid iffliftt through 1/31/05. Not nen an snie pun:hases. Town bonus Pada feu mini be enroFfn in the nem:est:is rewards. paccreen al Me free Cl purchase and charge yaw purchase loan eSable, taloned AltieliCatlEmta.s. Cad. Bona pall wil be oridted to your Membership Renard, ecceeri wrtin6-8 veto alter chacte appear at your bin; tialentect. Bonus IO 9136. Live Out Your Racing Fantasy at Richard Petty Driving! Satisfy your need for speed with the Richard Petty Driving Experience. From passenger seat ride-alongs with a professional instructor, to 30 laps behind the wheel, Richard Petty offers the most exciting entertainment experience for you, your family and friends. EARN Double points for Your Tickets with TKT.com! With 15 years experience, TICI.com otters PREMIUM seating to concerts, theater and sporting events. Now earn double Membership Rewards° points on all your tickets through January 31, 2005. Oiler mannum c42,SCO tenor paints thatrah Olf3ta2C05. Tote °tablet* cam bonds posh. wumval be enrolled in the Aterrberalits Rewards Progam et the lone diUrthra and yes cant Chan:. your purchase on an el de, owned American Everette Card Baran comb wll be dredged 1* scor Wardership Rewards aceeunt wNJn Ch nooks efler chaveo ;pare your hith9 shamed. &IVA 0 : 27" Call 1-800-646-6934 today and earn double points on your Oreck XL" Vacuum and receive a free compact canister just for using your Card. (Bonus ID 9836) To review these rewards and redeem points, visit www.americanexpress. com/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 6137) Book online at VAYW.TKT.com or cal 1.800-ALL-SHOWS to earn double points. (Bonus ID 2764) Coreinued 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. EFTA01704792