EFTA Document EFTA01704793

American rre: Teleflora's FLOWER CLUB() BONUS; 2 ATE COPY Earn 10x Points with Flower Club 4 CCCCCC SHIr. BIN RPI _ • • it Earn 10x Membership Rewardse points when you shop with Flower Club through January 31, 2005. Visit www.membershiprewards.flowerclub.com or call 1-800-775-7523 to select beautiful holiday flowers or find last-minute gift ideas. So brighten everyone's day with flowers or a gift from the Flower Club, and bonus points for you. Ober must be placed 6raud, URI shorn aborts or by Owns batmen IMADLI/31/05 Saba/Ey S3I tabs sorb. Cabot be • wth any ot2w cbmi at bait probsticns. To torn tome prin. you mat bo ocyypert in be beyperuitis Pends pnbran et tho Una d pathosant charge Jour Purclba an diptle, enrolled American EsbestAl Card Bonus p&d, vc9 bo crobsd b your crowd bah 10.12 woofs aim charges appear on yew bleb ddement Brass ID: 0237. Wyndham Hotels & Resorts is joining the Membership Rewards® program! Wyndham Hotels & Resorts has destinations throughout North America, the Caribbean and Mexico. At every Wyndham, you'll find a casually elegant atmosphere and amenities such as Herman Miller Aerone chairs and Golden Door® toiletries. Redeem Certificates at Wyndham Hotels, Wyndham Resorts, Wyndham Luxury Resorts or Summerfield Suites by Wyndham. Sayori to aealabaly. Advance rreervatens requited. 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 trona prate. you must be enrolled bent Member* Rematch Obit= at bo lined 00 dondan and mat charge your purchase on an ellptle. arab Mrercan Ebbw Card. OCCOSOrtS of Venters* Rewads pdnb are not tati dectuctbles Scout Paris wit Le credited to wee M. ttras1.0 licurxds scout with 6-e weeks Mar charges WPM on yam tarp slabbed. The matirrurn rut of pt.t you ear earn Prowls Ws pirtnction b75.000. Scotus ID:5969. American Express Gift Cards • It's Good All Over the Place! Membership Rewards enrollees can now redeem points for American Express® Gift Cards. American Express Gift Cards let the people you care about get exactly what they want, wherever they want. Unlike store gift cards or certificates, American Express Gift Cards are good in over a million places. From sushi to sporting goods to suede jackets, they're good in the U.S. wherever American Express® Cards are accepted. Give them to friends or family for holidays, birthdays, graduations, weddings, or just to say "thank you." Page 6 of 7 Visit witne.membershlp rewards.flowerclub.com or call 1.800-775.7523 to send flowers or gifts for them, and earn 10x points for you. (Bonus ID 0237) To raven these rewards and redeem points, visit vnvw.ameticanexpress. comfrewards or call 1-800-AXP-EARN (297-3276). (MR Message 9185) To make a donation, go to vnonv.americanexpress. comfdonate. Terms and conditions of the Membership Rewards program apply. For mere information visit www. americanexpress.comr rewards. (Bonus ID 5969) To preview this reward and to redeem points, visit www.amertcanexpress. comirewards or call 1-800-AXP-EARN (297-3276). For questions about Gilt Cards, please contact customer service at 1-877-AXP-GIFT. (MR Message 4264) 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. EFTA01704793 OPEN savinrififiRa xxxx-xxxxa Pcf.go 7 of 7 Total Savings to Date Savings Since Savings This Period For This Account 0.00 May 2004 Through Dec 01 0.00 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% $0.00 $0.00 1.800-FLOWERS.COM -15% OPEN SAVINGS Ongoing $0.00 15% $0.00 $0.00 Totals $0:00 $0.00 Other Ways To Save! To see a compete list of partners and ways to save, visit open.americanexpress.com/ savings, or call 1.800 NOW OPEN (669.6736) Ease the headache of payroll with Ceric5an Payroll Services and Save! Put Expense Reports In their place with ExpensAble... Use your Business Card and save on Constant Contact email services. Find the perfect business gift and great savings all -800-FLOWERS.COM. Business Filings provides everything you need to incorporate your business online. EFTA01704794 Blue for Businesssm DUPLICATE COPY OPEN SMALL BUSINESS NETWORK" 6,760 Membership Rewards® Points Available 411/30/044%/hen. ' ' ItagedaltaZoaiiiiks 004 Cleskd Ode 01/03/05 Page 1 of 7 Freya-Is Sainte Parted Aetivilf S New Ace.* $ rd. Adwirnems aid Kinard* Mew Nem New Uwe* $ Minimum Amount Due $ Payment Due Date 01/28/05 4,566.70 0.00 +145.29 c4,711.99 364.82 Minimum Amount Due Includes: Past due amount $239.53 This month's amount duo $125.29 Please refer to page 2 Credit Line Summary Total Credit Line $ Available Credit Line $ Cash Advance Limit $ Available Cash Limit $ on 01/03/05 8,200.00 3,488.01 200.00 200.00 for important inlet-nation regard® YOUr account Your account is past clue. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.amerIcanexpress.com/paybill. Please note, your credit limit is $8,200.00 and your cash limit Is $200.00. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258.3254. Activity "nac" Pan Total of Payment Activity Anemia 0.00 12/29/04 Late Payment Fee 01/03/05 Periodic FINANCE CHARGE 35.00 11029 Total of New Activity 14529 + Plate fed on 888 ;endear, bobs, dtach and ;Kum wth your payment Ti Payment Coupon wilt ppm 110.1.1.15960 Mail Payment to: Payment Due Date: Imams Total New Balance $4,711.99 Minimum Amount Due $364.82 • Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 II 111111111 IS dl 111 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 Nev Balance before the Payment Due Date. Check here if address or telephone number has changed. Note changes an reverse side. 000471199000036482 02 rl EFTA01704795 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. Parents must be in US Dollars and drawn on a bank located in the US (other than a line of credo 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 wth 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 lorm or at any other location, there may be a delay in giocessing. We reserve the right 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 be deb1ed as soon as the same day we receive your payment. If wo cannot 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 service, you will be authoringAmericanbanes to initiate an electronic debit to the financial acccunt you specify in the amount you request. To use Pay By Computer, please visit us at wvnv.antericanexpress.opm. 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 ServiceMoe or call anykocal 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 rato to the Average Daily Balance (as describ elow) 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 (I) take the beginning balance for the feature each day (including unpaid Finance Charges from previous tiling periods), (2) add any new transadions, debits, or lees (3) subtract any payments or credits, and (4) make any appropriate adjustments. For each day after the first day of the billing period, we also add an amount of interest equal to the previous day's daily balance muleplled by the dally periodic ate for the feature. This grves us the daily balance for the feature for that day and the beginning balance b* the feature for the next day. II 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 lithe 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 wil be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billng 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 adding the Finance Chargesassessed 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 billing periodic 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 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 mail 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 andgrace periods by calling 1.800.518-8866. Change el Address I canna on front do not use Nino Canpany Nano Street &Ureic City, Stale tip Code aria Cede and Hone Phone Area Cob and Wont Phene Email r-, To Pay By Phone 1-800-472-9297 Customer Service 1.877.2583254 24 hours/7 days Lost or Stolen Card 1.800.521.6121 International Collect 1.623.492.7719 Hearing Impaired (9am- m EST) TTY: 1-800-221.9950 FAX: 1-800-695.9090 In NY: 1-800-522-1897 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 offers, suited to your needs. EFTA01704796 DUPLICATE COPY For Ancoorit Nurte Cloth, Des 01/03/05 Page 3 of 7 Finance Charges Billing days this penod: 32 Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Balance $ Periocic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 4,626.40 0.0745% 27.19% 2722% 11029 Cash Advances 0.00 0.0745% 0.00% 27.22% 0.00 110.29 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. EFTA01704797 DUPLICATE COPY Page 4 of 7 EFTA01704798 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) vmv.americanexpress.com/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembeNfitrfritafthiFils Options' Monthly Statement and Program News Statement Period November 1, 2004 - November 30, 2004 Account activity after this period does not appear on this statement Available Points 6,760 Points are available when charges are paid in lull and all your accounts are in good standing. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 5.391 +1.369 0 0 6,760 New Points Earned 11/01/04 - 11/30/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card ISM Totals 1,369 0 1,369 1,369 0 1,369 Merbershp Reward; Outran: parts earned may be vanderred a redeem dm lag as al onstul Card asount are ingad eta-sing. Port Irandetrod a rodeerntd cvmubo fiNOMOdtIOCk irto the POparn. Forfeited points can be reinstated for a fee by calling the number provided below. Bale Cat Wean aro craned in Ma Morrixesht Rewards Chaos argon Toms and Conaions in yox Modborstip Roast Octons Gude. Ilya bore quesbons. ph we •4311 varacamedcarexpeencornrmemberthlprevardsoptions or oil 1-000-AXP-EARN (297-32761. From *anew. call coral 305.8162799 FLOWERS TIIESTORATIOM 1 \ HARDWARE I I Am (iiram EirtiOte „ E.... MEMO neN ti • •• Earn 10x Membership Rewards® points from Flowers USA Surprise your Valentine with fresh flowers or unique gifts from Flowers USA! With low prices, starting at just $29.99, choose from a wide variety of fresh flowers and quality gifts for your special Valentine this year. Best of all, earn 10x Membership Rewards points when you shop at www.flowersusa.com/amxmr or call 1-800-873-6165 with promo code 9951. Offer vifilltraran 12/3905. Net yard at total sheds or n cantram vain any other err Iran Flaws 1.154. To earn barn paints. you must to caeca in tic .Varistrafrp Pasant Crobram as; kneel Purchase anti ciwo, icor Dachas° tO an Mgr*. tar:aid American Exposer Card. Bona poNswa be omits to your &sant Minn 10-12 weeks stet Marcel appear en your bane statrmar. Bass 0:1687. Restoration Hardware Joins the Membership Rewards® program Restore your faith in quality and service and reward yourself with a Restoration Hardware Gift Certificate. Easily find Designer quality Home Lighting, Home Furnishings and Textiles, Outdoor Furniture and Garden Accessories. Now! Redeem Points for The Molting Pot Gift Cards! Now you can redeem points for Melting Pot gift cards. At The Melting Pot, fondue becomes a memorable four-course dining experience. Guests enjoy a choice of tour flavorful fondue cooking styles and a variety of tasty entrees Including lobster and sirloin, combined with special dipping sauces. The menu also includes creamy cheese fondues, fresh salads, fine wines and mouthwatering chocolate fondue desserts. To find one of our over 80 locations near you, visit www.meltingpot.com. Page 5 of 7 American. Exrress> Shop online at www.flowersusa. Com/annanr or call 1.800.873-6165 with promo code 3134 for flowers and gifts this Valentine's Day. (Bonus ID 1687) Shop at over 100 Restoration Hardware stores, our catalog 1.800.762-1005 or online at www.Restorationhard ware.com. (MR Message 8137) To redeem for a $50, $100 or $150 The Melting Pot gift card, visit www.americanexpress. corn'rewards or call 1.800-AXP-EARN (297-3276). (MR Message 7324) Continued on ravens 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. EFTA01704799 D s 0 0 O f f C e u F ; ' • • . ficiantesyse Welcbtcycouce „ M£ MG E RA? P till • • • • • ! Atarsitan es ?lite ;RR IN11.0.b1 • ' 011ikrATE COPY IMIS • • Acoourl Nutter American Express• ),0REWARVuJ Earn TRIPLE Points from DiscountOfficeSupply.com - All Year! Now you can earn TRIPLE Membership Rewards® points every time you shop at DiscountOfficeSupply.com, your ultimate online source for everyday office essentials. Earn bonus points while you choose from our selection of over 40,000 items, from office basics to the latest in electronics like PDAs and digital cameras. Plus, orders over $50 qualify for FREE shipping! Mee veld OF04112,31/0S. Free shtoiro does not spay to wars wrier $50 rd evoirdes select coorsacd p ore awlrurntwe sob :Iwo To eau toms Danis.you rotor GO M0RA in the MonorsliP Rowarris onna! the the a/purchase aid ohms yea purchase to an erg be. noted knortal Erroccsse. Card. axes poi,Its wa be weds lo yon exam wet 68 vreeire ol Ones .flaring an Yow OFFr3 elefeent Banos ID: 4852 Enjoy Great Rates with Enterprise Rent A Car® Redeem now for an Enterprise rental car certificate, and enjoy great cars, great savings and free pick up* at more than 5,400 airport and neighborhood locations. Call 1-866-875-0459 for reservations, and mention customer code AMXMRP. Choose a $50, $75, $100, $200 or $300 rewards toward your next rental with Enterprise. term* arcl crop-0 sevro osrtryectbgeoorapra, and Sher metro:ea Italia tent& quieten:ea and 0ntnacal WAY Ertegrne Reward owte lams awl Cartes nay. Introducing the Cuisinart 10-Piece Commercial Cookware Set Cuisinart would like to introduce the Cuisinart 10-piece Commercial Cookware Set (PRM395) for 25,000 points. The kitchens of France were the inspiration behind the elegant Cuisinart® Chefs Classic"' Stainless Cookware Collection. Set includes: 1-1/2 Qt. Saucepan w/Cover, 3 Qt. Saucepan w/Cover, 3-1/2 Qt. Sauté Pan w/Helper Handle and Cover, 8" Open Skillet, 10" Open Skillet, and 8 Qt. Stockpot w/Cover. Celebrate 2005 with a Gift Card from 800Wine.com Whether you want to send a gift, join a wine club, or order a new wine rack for yourself, 800VVine.com has just what you need. The premier international wine gift, 800Wine.com ships all gifts locally, ensuring the fastest and least expensive service available today. Order 24 hours a day at www.800VVine.com. Page 6 of 7 Start shopping, saving and earning TRIPLE points at warw.discountoffice supplycom today--and EVERYDAY, ALL YEAR! (Bonus ID 4852) To review these rewards and redeem points, visit www.amencanoxpross. comIrewards or call 1.800-AXP-EARN (297-3276). (MR Message 6167) Redeem row at vnew.americanexpress. corn/rewards. (MR Message 9187) For more information call 1-800-AXP-EARN or log cn to vavim.amettcan express.com/rewards. (MR Message 7148) 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. EFTA01704800 OPEN Savinnaha Acccur Nterte• Page 7 of 7 Total Savings to Date Savings Since Savings This Period Jan 2005 Through Jan 02 For This Account 0.00 0.00 0.00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL BUSINESS CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 FEDEX - GROUND, EXPRESS AND INTERNATIONAL SHIPMENTS Ongoing $0.00 5% $0.00 $0.00 HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 1-800-FLOWERS.COM - FLOWERS AND GIFTS 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 Save! Use your Business Card and save on Constant Contact email services. To see a complete list of partners Manage your business finances more effectively with QuickBooks and save. and ways to save, visit open.americanexpress.com/ Save on gift baskets, gourmet foods and flowers at 1-800-FLOWERS.COM savings, or call Inc:morale your business online with Business Filings. 1-sno -Nnw•OPFN (ARg-R7V) EFTA01704801 DUPLICATE COPY Blue for Business" OPEN SMALL BUSINESS NETWORK" Cht.ro DMe• 02/02/05 • Meinbership Rewards® Points Available at 12131/04, when charge's due are paid in, full ano all accounts are In good standing. Page 1 on PreAous Sabre* S Psiment Acludy $ New AZOrtly Ire. Attest-nets and Flume ...hargOs I Sly New BalanceS Minimum Amount Due $ Payment Due Date 02/27/05 4,711.99 0.00 -37.38 =4,674.61 255.74 Minimum Amount Due Includes: Past due amount $138.14 TNs month's amount due $117.60 Credit Lino Total Credit Available Credit Cash Advance Available Cash Summary Une $ Line $ Limit $ Umit $ Please refer to page 2 on 02/02/05 8200.00 3,525.39 0.00 0.00 for impatient 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 .'atatesPc."" e Total of Payment Activity Amounts 0.00 /WARMS 01/13/05' Credit Adjustment for Purchas..9 F flare.? Cnarge 01/13/05 Credit Adjustment for Purchase F narce Ciarge 01113/05' Credit Adjustment for Purchase Pearce Cnarge 01113/05* Credit Adjustment for Purchase Finance. Ciarge 01/13105' Credit Adjt.stment for Purchase Finance Cnarge 01/13/05' Credit Adjustment for Purchase Finance Cnarge 01/13/05' Credit Adjustment for Purchase Enance Charge 01113/05' Dispute - CHEVRON 0211 /!e 01/13/05' Dispute - CHEVRON 0211778 • PilaSe lOtS an the podOlabOn bokvi,chlta:Ilard NfUnl vat Ku( paMinl Payment Coupon Mail Payment to: 5960 . Payment Due Date: 02/27/05 Total New Balance $ 4,674.61 Minimum Amount Due $255.74 Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 .• Credit 1.79 cticitq -ton Create 0.83 Credt 40,45. erect Cteut. 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 here if address or telephone number has changed. Note changes on reverse side. 000467461000025574 02 ii EFTA01704802 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 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 no; send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically , at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronic* 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 Exdess °Notre= payment service, you will ba authorizing American Egress 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 vnvw.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 American Express Travel ServiceOffice or 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 thismethod, we figure the Finance Charges on your Account by al: flying the daily periodic rate to the Average Daily 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 Balance for each feature, we (1) take the beginning balance for the feature each day (ina- iding unpaid Finance Charges from previous billing periods), (2) add any new transactions, debits, or fees, (3) subtract any paymenNor credits, and (4) make any appropriate aciustme . For each day offer the first day of the billing od, we also add an amount of Interest equal to the previous days deity balance multiplied by the d ly 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, 4 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 DailyBalance for each feature by the number of days in the billing period and the daily periodic rate for that Nature, the result will be the Finance Charge assessed on that feature, except for variations causod by rounding. The total Finance Charge for the baling period is calculated by adding the Finance Charges assessed on all features of the Account. This method of calculating the Average Deily Balance end Finance Charge results in deiry compounding of Finance Charges. The minimum Finance Charge for any billing period in which-Finance Charges are imposed is S0.50. In Caso of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at opan.arnericanewesscoms 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 possilote. We must hear Irom you no later than 60 days after we sent you the FIRST statement on which the proNem ores wee 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 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 its to complete our investigation. Creditor. American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative cxedit card rates, fees and grace periods by calling 14300-518-8866. change of Address I colloid, hoot do riot uto NKr* Company Name Street Addroos Gay. Stale Zp Odle AMA cow and Hon Phone Area Cods and Work Phone Email r IM ■ MEM= U. 1 F1 To Pay By Phone 1.800-472.9297 Customer Service 1.877.258-3254 24 hoursr7 days Lost or Stden Card 1-800-521-8121 International Collect 1-623-492-7719 Hearing Impaired (gam-5pm EST) TTY: 1.800-2'21.9950 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 33336.3002 Providing your email address to American Express will enable you j to receive Special Ohara. suitedto your needs. EFTA01704803 DUPLICATE COPY MOW ' CkeIng Date 02/02/05 Page 3 of 7 New Activity continued eunt$ 01/13/05' D spute CHEVFiGN 021!77d 01/11051 Dcoute - CHEVRON 0211778 C1/13,05 D spute - CHEVFON 0211773 01/13/05' D spute - CHEVRON 0211778 • '01113/0u* D spute CHEVRON 0211778 4- 35.00 ••• -28.59=t Credit -21.87 . -21.62 Credit 2958:. Credit≤:;` 01/30105 Late Payment Fee 02/02/05 Periodic FINANCE CHARGE 102.60 Total of New Activity -37.38 Finance Charges Billing days this period: 30 Purchases Cash Advances Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ 4,591.03 0.0745% 27.18% 27.22% 102.60 0.00 0.0745% 0.00% 27.22% 0.00 102.60 Certain of the periods rates and APRs above may be variable. Those rates may vary based upon the pdme rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704804 DUPLICATE COPY Pajel..of 7 EFTA01704805 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) www.americanexpress.com/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 Account Summary New Points Earned 12/01/O4 - 12/31/04 MembeRnifilifarlls Options` Monthly Statement and Program News Statement Period December 1, 2004 - December 31, 2004 Account activity after this period does not alines on this statement Available Points 6,883 Points are available when charges are paid in lull and all your accounts are in good standing. Opening points balance 6,760 New points earned +123 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 6,883 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Blue For Business 123 0 123 Totals 123 0 123 Monter* te fieoarda Cpberz pOnia owned may be 4weltered or redeemed co lay as ell cevelbd toad exact:eye in geed dandnp. Poils eansieved a rockerned canal be reverted beeain:ono oreywn. Forfeited points can be reinstated lera fee by calling the number provided below. E'gbie Cad eivapet we canoed in the Vembeestip Rereads Ccecos program Terms arxiCeednees in yeu: Merrteratvp Revtxds Coxes Gide ycu ha:cgs:beet, piece www.americanexpresoceinMembershiprewardsoptIont a cal 1-093.AXP-EARN (Y374276). From overtook cal cob:0305-816-2799. Ariiiiitiza.Z iris* LINENS.NTHINGS. Support Tsunami Support Reliefs with Membership Rewards® points Use Membership Rewards points to support the Tsunami Disaster Relief effort. Now through March 31, 2005, you can redeem points TO MAKE A DONATION TO ANY OF 70 organizations that are providing aid in countries affected by Tsunami. Experience the Thrill This Valentine's Day Give your loved one a gift that will make his heart race. Redeem for a Richard Petty Driving Experience certificate for a ride-along in a NASCAR-style stock car at Welt Disney Worlds' Speedway for only 10,000 Membership Rewards® points. Or, put him behind the wheel for 35,500 Membership Rewards points. It's a gift that he will never forget. Terms at ea-Caere apply. for not iriorn at;:n. sae wiwisnembershIptewardi.com. Reward Yourself at LInens'n Things Unens'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. Page 5 of 7 irmcri.an E vprest.. ,acz.-NICNIBERSHIP II. (th .R.I L For more information, log on to www.americanexpress. corn/rewards. (MR Message 4061) To learn more, visit www.1800bepetty.com or call 1-800.8E-PETTY (237-3889) or to transfer Membership Rewards points, go to wvnv. americanexpress.conil rewards or call 1-800- AXP-EARN (297-3276). (MR Message 4242) To find one of the nearly 500 locations nationwide nearest yv.i, call ton-free 1-866-568-7378 or shop www.lnt.com anytime. (MR Message 2201) 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. EFTA01704806 COPY American Exr ress• "ATE awards® Account Hinter M CM 0(P iI11P Page 6 of 7 311/411:- ATE EWA AP I CAPITAL; EXIMUNSU knit a raai MEMSERSMIP REIVAR JI _" 4: Aiti t,TtanHei Xi el ORECK Redeem points for The Capital Grille Certificates Enjoy gracious service and an elegant and relaxed atmosphere at The Capital Grille. Nationally acclaimed for dry-aging steaks on the premises, The Capital Grille serves classic steakhouse offerings, such as chops, lobsters and fresh seafood. The restaurant also features an award-winning wine list with more than 300 wines from which to choose. Redeem points for a $100 or $250 The Capital Grille certificate. Vote the Membership Rewards® program Your Favorite Rewards program! Now through March 15, 2005, you can vote for the 17th Annual Freddie Awards. This is your chance to voice your opinions about your favorite frequent travel program, like the Membership Rewards program. Earn Triple points at American Pearl Choose the beautiful gift of pearls or another unique creation for someone special at Ainerican Pearl. Packaged in a distinctive red box, your American Pearl gift is sure to strike the perfect romantic note. And now, you can earn triple Membership Rewards® points on any purchase of $1,000 or more now through April 30th, 2005. Ohm v94 Than Decanter I, 20Ds 13 Apra 30, NOS on purchases el SECO) a mot Tote er4the 10 earn tote Wats, you mustbesward In Me thotersh0 Ratted rtt90Ull a' 01 pa:chase end you oval cMrge puchms on an MGM encored Nnalorm Eton. Gard. Bras pears v.4 teas:MD to your Waite p finch tot ;at MUM 84 voveks ohm chat** appear co }our h&c sttartent Dams ID. 106). Introducing the CREATIVE MUVO Micro 256MB MP3PNMA Player Introducing the CREATIVE MUVO Micro 256MIYMP3/WMA Player (PRM474) for 16,000 points. Incredibly thin in design, it's packed with the latest features to meet all your needs. Enjoy the amazing, skip-free, audio quality when you're listening to your MPS and WMA music. The MUVO Micro N200 comes complete with an FM tuner, Voice/FM recording, and Line-In encoding for direct connection and recording from any audio source. Earn Double points from Oreck • Everyday, All Year! Now Oreck offers Double points whenever you call 1-800-471-1446 and use your Card to purchase an Oreck product anytime, all year long. Select the Celoc® Hypo-Allergenic Plus 8-lb Oreck XL® Vacuum, and you'll also receive the 5-lb Oreck Compact Canister with 8 attachments perfect for small pickups and hard-to-reach places, PLUS, Double Membership Rewards® points. Mee arid Mouth 12/3905. Net void on fibre puroliasos. To earn bow, point, you must be encored in the Membership Rewerch program et to tine el purchace card oher your ashaltaso to an eighth enrolkd Amman Emireeet. Card. Bonus p&t. wit be oredted le your filmnbenhp Remark. =cat wear St weeks stet dints appear on yew big etablentml Brous 0: 9836. Log on to www.americanexpress. comfrewards or call 1.800.11XP-EARN (297-3276). (MR Message 4012) Log on to www.freddleawards.com to cast your vote now! (MR Message 5218) Visit vormamencanpeartcom or call 1.800.847-3275 to shop and earn points. (Bonus ID 1048) Redeem now at • — vninv.ameticanexpress. conVrewards. (MR Messge 2257) Call 1.800-471.1446 to earn Double points on any 0reck purchase everyday, all yew. (Bonus ID 9836) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704807 OPEN SavinrgelThifPgy 7 of 7 S Total Savings to Date Savings Since Savings This Period Jan 2005 Through Feb 01 For This Account 0.00 0.00 0.00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL B CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 FEDEX - GROUND, EXPRESS AND INTERNATIONAL SHIPMENTS Ongoing $0.00 5% $0.00 $0.00 HERTZ-CAR RENTALS Ongoing $0 0C 5% $0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, OR BY CATALOG Ongoing $0.00 2% $0.00 $0.00 1-500-FLOWERS.COM - FLOWERS AND GIFTS Ongoing 50.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at open.arnericanexpress.conVdashboard. Other Ways To Save! To see a complete list of partners and ways to save, visit open.americanexpress.com/ savings, or call 1-603 NOW OPEN (669.6736) Put Expense Reports in their place with ExpensAble... Use your Business Card and save on subscriptions to USA•TODAY. Business Filings provides everything you need to incorporate your business online. Show your employees, prospects and clients your appreciation with a gift from 1.800•FLOWERS.COM Save on Ouidd3ooks financial management software and spend more time on your business, less time on your books. EFTA01704808 DUPLICATE COPY Blue for Business"' OPEN SMALL BUSINESS NETWORK" ?‘5., fnike,rshiP Rewards t,e4Poi Avillable;.; a101/31/105, when chargetickreaMeaid in liarand all bbowie are irigobastandirig.1 Pi_ yed Fee Account Nurrber New Acidly me. &just-nerd bed Pre/roue Banco Padded Actiody $ FneroeChsgsdory New Basta $ Closbu Dale 03/02/05 Minimum Amount Due $ 4,674.61 0.00 +134.48 =4,809.09 370.22 Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 03/02/05 8,200.00 3,390.91 0.00 0.00 See Page 7 For A Notice Of Changes To Your Agreement See Page 9 For An Important Privacy Notice Page 1 of 10 Payment Due Date 03/27/05 Minimum Amount Due Includes: Past due amount $255.74 This month's amount due $114.48 Please refer to page 2 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. This statement is for information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the minimum due amount, your account is in default and the balance is due in full. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877.2583254. Activity "nfra im`ifud* Total of Payment Activity 0.00 Amounts Amount 03/01/05 Late Payment Fee 35.00 03/02/05 Periodic FINANCE CHARGE 99.48 Total of New Activity 134.48 Please led on Ire partoraion babe,. delech ard return writ) your pawned Payment Coupon PR MR= Mail Payment to: 76 - 5960 Payment Due Date: 03/27/05 Total New Balance $4,809.09 Minimum Amount Due $370.22 • Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 II IIIIIIl IIIII IIIIIIIIIIIIIIIIIIII IIIIi IIIII II I IIIIIII II I II III Continued on Page 9 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 belay the Payment Due Date. Check here if address or telephone number has changed. Note changes on reverse side. 0001480909000037022 02 ri EFTA01704809 DUPLICATE COPY Page 2 of 10 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 yaur payment in the enclosed envelope with the remittance stub attached and account number indicated on the crack. Please do not send post-dated checks. They wilt be deposited upon receipt. If payment is made In any ether form or at any other location, there may be a delay in processing. We reserve the r.ght to process checks electronically , at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a &aft 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 Exp-ess to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us abwo.v.amoricanexpress.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 Service Moe or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance methodto 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) for each feature (suth as Purchase., Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average toady Balance for each feature, we take the beginning balance for the feature each day (inclutfing unpaid ce Finan Charges from previous billing periods), (2) add any new transactions, debits, or fees (3) subtract any payments or credits, and (4) make any appropriate adjustments.For each day ear the first day of the billing period, we also add an amount of Interest equal to the previous days daily balance multiplied by the daily periodic rate for the feature. Thisgives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the biting penod 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 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 rounding. The total Finance Charge. for the tilling period is calculated by adding the Finance Charges assessed on all features of the Account. This method of calculating the Average Daily Balance and Finance Charge results In daily compounding of Finance Charges. The minimum Finance Charge fcr any billing period in which Finance Charges are imposed is $0.50. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, k will be converted into US dollars on the date it is processed by us or ow agents. UnleSs a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion dale or the prior business day, in each instance increased by 2%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. In Case of Errors or Questions About Your Electronic Transfers: Please contact-us by visiting. us oNine.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 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 cored 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 1-800518.8866. Change of Address If cosoct on front do rot uto To Pay By Phone 1-800.472.9297 Customer Service 1-877-255-3254 24 hours/7 days Lost or Stolen Card 1.800.521.6121 International Coiled 1-623-492-7719 Hearing Impaired (9am-5pm EST) TTY: I-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 Name canny Name Street addicts Cry, Slat Zoo Colo Area Coda and Homo Ftono Area Colo and Work Phone Dna I r_ I __I_ H Providaig your emarl address to American Express will enable you to rficeivespecial offers, suited to your needs. I 1 I L monj EFTA01704810 DUPLICATE COPY as Fa CI*lito Data 03/02/05 Page 3 of 10 Finance Charges Billing days this period: 28 Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGES Purchases 4,724.87 0.0752% 27.44% 27.48% 99.48 Cash Advances 0.00 0.0752% 0.00% 27.48% 0.00 99.48 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. EFTA01704811 DUPLICATE COPY Zsco, htrber Page 4 of 10 EFTA01704812 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) www.americanexpress.ccm/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembeRiiifrit@G9114:Is Options" Monthly Statement and Program News Statement Period January 1, 2005 - January 31, 2005 Account activity after this period ooes rot appear on this statement Available Points 6,883 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 6,883 0 0 0 6,883 New Points Earned 01/01/05 - 01/31/05 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card BI F r6f in 0 0 0 0 0 Ateenbetshp Rewards Outcry poi* owned rut be battened a redeemed as Iona as ae orsciled C,td ttccutit we is good standup. Posit Varolotrad or rodeecnod cannot be teamedbad( irlo the crowns Forfeited points can be reinstated to a tee by calling the number provided below. Dobler Cardcharges ate cuilneel in the Venter:hp Rends Mona pow xn Ten ard Gallium in sour Ltrerbershis Rewards Cocos Guile. 'stet have wanton% please vial witter.amitticompresiconshrietribershiprewardsoplione or tell 1-8004003-EARN (297-3276). From creaser...sal cthod105-816-2759. Support Tsunami Support Reliefs with Membership Rewards® points Use Membership Rewards points to support the Tsunami Disaster Relief effort. Now through March 31, 2005, you can redeem points TO MAKE A DONATION TO ANY OF 70 organizations that are providing aid in countries affected by Tsunami. 0 $50 Benihana Gift Card Experience the longest-running dining show in the world. Watch your personal chef entertain you with a laughter-filled dining experience. The preparation will dazzle your eyes, tease your taste buds and leave you hungry for a mouth-watering meal you will never forget. Enjoy the freshest fish in town at our sushi bars and then choose from such hibachi grilled favorites as prime sirloin, tender chicken and fresh seafood. At Benihana, enjoy an experience at every tablel For docubdoor &calicos, pleaseWV us at winv.bordhanadom a ca11.877.1IFNIHANA MI6-4428j ke the Isstbn neatest usu. Page 5 of 10 For more information, tog on to viww.americanexpress. corn/rewards. (MR Message 4061) To redeem 5,000 points for $50 Benihana Gift Card, visit www.americanexpress. comtrowards or call 1-800,AXP-EARN (297-3276). (MR Message 2082) Corelnued 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. EFTA01704813 iministATE COPY • American Expresses MEMBERSHIP Page 6 of 10 Nl. 1 - Ft K AKS A 1/ A IF VENUE Aarnott rtf ritt *coin SPOKES AUTH9Rpg. Use Membership Rewards® points to Purchase Amtrak® Travel Redeem Membership Rewards points towards Amtrak Certificates and travel to any Amtrak destination, including most major cities and exciting vacation spots nationwide. For Northeast travelers who are members of Amtrak Guest Rewards, take advantage of the Acela Express Buy Two, Get One offer through May 31, 2005. Must be a member of Amtrak Guest Rewards and register for the promotion at www.amtrakguestrewards.com or by calling 1-800-307-5000. TOM» and carrefore d No Mcaltretip Rowed, program owl/ Fa more frkeina:a vat worwambenhhilmnbld•cOlo. Redeem Membership Rewards® points for a Saks Certificate Saks Fifth Avenue is an icon of the retail world, known for its style, authority and expert service. Founded in 1924, it has always been characterized by a modem energy that fosters innovation and discovery. The exclusive offerings, designer boutiques and personalized consultation have long made Saks the only choice for discerning customers with eclectic taste and original style. Plan Your Next Trip with Marriott and the Membership Rewards® program Feel the pulse of Times Square at the Renaissance New York Hotel Times Square. Relax in the sun at Spring Hill Suites in Boca Raton. You can redeem points for a stay at over 2,100 Marriott Hotels and Resorts locations worldwide. Choose from 4 travel award certificates--the $100 Marriott Bonus Bucks Coupon, the Marriott Flex Weekend Award, the Marriott Platinum Any Night Award and the Marriott Spa Award. Vdd caig al partkiyafirg tads. &that dden may arc//. Sat ard onlatato foe carpi:en lams and Earn Double points for Your Tickets at tkt.com With 15 year's experience, tkt.com offers premium seating to concerts, theater and sporting events. Now earn Double Membership Rewards® points on all your tickets through April 15th, 2005. CBar nwinwnd 2,50Dbonus pad Oita mytres April l9 X05. To be vale* Vint NOM set* you stun to mewl in the hIcalynshat Pawadt program • to 4t*d putettme and you mutt chugs your arable on an Nab* availed AmedaanEry,eeeS Cad. Benue paste MI baedact to yds LambasteRob/di aceaal wain 6-B weds dor chases soots on your signs etvarvegt Bean ID: 2764. Redeem points Today for Spring Savings Sports Authority, Gart Sports, Sportmart and Oshman's carry an unbeatable selection of golf, team sports, snowsports and fitness equipment, plus, much more at great prices! Redeem points today for the best in sports! To preview this reward and to redeem points, visit www.americanexpress. com/rewards or call 1400-AXP-EARN (297-3276). (MR Message 1030) For store locations, visit WWW.SElk.S.COM or call 1.966.290.9027. (MR Message 2213) To preview this reward and to redeem points, visit www.americanexpress. com/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 6026) Book aline at www.tkt.com or call 1.800-ALLSHOWS to earn Double points. (Bonus ID 2764) Call 1.888-LOOK4TSA (566-5487) for the store nearest you. Reward certificate may be redeemed for product only. Limit one certificate per purchase. Valid at store locations only. Not valid online. (MR Message 8074) 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. EFTA01704814 DUPLICATE COPY cd nItrrbet cave Oat. Page 7 of 10 03/02/05 Notice of Changes to Your Agreement We are making Important Changes to your American Express Cardmember Agreement ("Agreement, governing the American Express° Card Account identified on this Notice. Unless otherwise indicated below, these changes become effective with billing periods beginning on or after May 1, 2005, whether or not you receive a billing statement. This Notice formally amends your Agreement, and any contrary or conflicting language in that Agreement is replaced fully and completely. Note that the terms of your Account are subject to change (Including increasing APRs/DPRs and fees, changing fixed APRs/DPRs to variable APRs/DPRs, and adding new terms) In accordance with the Agreement governing your Account. All terms of the Agreement not amended herein remain In full force and effect. This Is an Important Notice of changes to your Agreement We recommend that you carefully review these changes, share them with any Addilonal Cardmembers on your Account, and keep this Notice for future reference. If you have questions regarding.this Notice, please call the telephone number listed on the back of your American Express Card. Changes to Grace Period (Effective with billing periods beginning on or after May 4, 2005) We are changing the grace period applicable to your Account. A "grace period" is the period of time in which finance charges are not assessed on certain balances. Previously, if you paid the new balance on your prior statement in full by the payment due date, finance charges wou:d not be assessed on purchases during the current billing period. We are changing the grace period so that when you pay the prior new balance by the payment due date, finance charges will be assessed on purchases during the current billing period until the date that full payment of the prior new balance was received; purchases will not have a grace period for the entire billing period in this instance. However, if you paid the new balance on each of your two prior statements by their respective payment due dates, you will not be assessed finance charges on purchases for the entire current billing period. Also, if the previous balance on your billing statement is zero or a credit balance, no finance charges will be assessed on your purchase balance for the billing period. There is no longer any grace period for balance transfers. Accordingly, we are replacing subsection A of the Finance Charges section of your Agreement with the following: "A. Finance Charges begin to accrue for each Charge as of the date the Charge is added to the daily balance, as described below. If payment in full for any New Balance shown on the statement for a billing period is credited to your Account by the Payment Due Date shown on that statement, then Finance Charges will not accrue for Purchases from the date on which payment in full of that New Balance is credited to your Account until the end of the billing period in which such payment is credited to your Account. In addition. Finance Charges will not accrue for Purchases during a billing period if (a) the Previous Balance shown on the billing statement for that billing period is zero or a credit balance, or (b) payment in full for the New Balance, if any, shown on the statements covering the two immediately preceding billing periods is credited to your Account by the respective Payment Due Dates shown on those statements. For purposes of this paragraph, Purchases do not include Balance Transfers cr convenience checks.' Determining the Prime Rate Applicable to your Account We are changing the timing of when we determine the Prime Rale used to calculate the variable APRs (and corresponding DPRs) applicable to your Account. Accordingly, we are replacing subsection C of the Finance Charges section of your Agreement with the following: "C. The 'Prime Rate" Is determined once with respect to each billing period. The Prime Rate for each billing period is the Prime Rate published In the Money Rates section (or successor section) of The Wall Street Journal on (a) the first day of that billing period or (b) the day that is two days prior to the Closing Date of that billing period, whichever is higher. In each case, if such a day is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime 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. Any increase or decrease to an APR resulting from a change In the Prime Rate takes effect as of the first day of the billing period. An increase in the Prime Rate means that the variable APRs (and corresponding DPRs) applicable to your Account will increase and you may incur higher Finance Charges and may have a higher Minimum Amount Due." Average Daily Balance Method for Calculation of Finance Charges (Effective May 8, 2005) As part of the changes to grace period described above, we are deleting the first sentence of the second paragraph of the Average Daily Balance Method for Calculation of Finance Charges section of your Agreement. We are also adding the following two sentences to the end of that section: "In our sole discretion, we also may round any calculations made in determining the Finance Charges on your Account in any way that is convenient to us. Any such rounding may apply to or cause variations in your DPRs." Balance Transfer Transaction Fees We are replacing subsection 5 of the Other Fees section of your Agreement with the following: "5. Balance Transfer Fee: We may assess a transaction fee for each Balance Transfer on your Account, as disclosed in the applicable Promotional Offer or at the time of the transaction. This fee, if assessed, is a FINANCE CHARGE.' Balance Transfers and Convenience Checks (Effective May 8, 2005) We are amending the Agreement to clarify that convenience checks we provided to you that are used for certain purposes will be treated as a Cash Advance. Accordingly, we are replacing the second sentence of the second paragraph of the Using the Card section of your Agreement with the following: "A convenience check that we identify as having been made payable to cash, to you, or to a bank, brokerage or similar asset account. or to a mortgage provider or insurance provider will be treated as a Cash Advance." Arbitration (Effective May 8, 2005) We are amencing certain subsections of the Arbitration section of your Agreement as follows (references to subsections below refer to those subsections in the Arbitration section of your Agreement): We are replacing the first sentence of the Definitions subsection with the following: "As used in this Arbitration Provision, the term 'Claim" means any claim, dispute or controversy between you and us arising from or relating to your Account, this Agreement, the Electronic Funds Transfer Services Agreement, and any other related or prior agreement that you may have had with us, or the relationships resulting from any of the above agreements ("Agreements"), except for the validity, enforceability or scope of this Arbitration Provision or the Agreements." BP/TR45FYI/0305 12313 EFTA01704815 DUPLICATE COPY Fe -Jed Pc: Account NUTtlel Page 8 of 10 We are replacing the Initiation of Arbitration Proceeding/Selection of Administrator subsection with the following: "Initiation of Arbitration Proceeding/Selection of Administrator Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the cede of procedures of the national arbitration organization to which the Claim is referred In effect at the time the Claim Is filed (the -Coder), except to the extent the Code conflicts with this Agreement. Claims shall be referred to either the National Arbitration Forum ('NAP) or the American Arbitration Association ('AAA"), as selected by the party electing to use arbitration. If a selection by us of either of these organizations is unacceptable to you, you shat have the right within 30 days after you receive notice of our election to select the other organization listed to servo as arbitration administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: • NAF at P.O. Box 50191, Minneapolis, MN 55405; website: www.arbilration-forum.com. • AAA at 335 Madison Avenue, New York, NY 10017; website: www.adr.org? We are replacing the fist sentence of the Significance of Arbitration subsection with the following: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM." We are adding the following two sentences to the end of the Restrictions on Arbitration subsection: "No arbitration award or decision will have any preclusive effect as to issues or claims In any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision in this Agreement (Including but not limited to the 'Continuation' provision below) and without waiving either pany's right to appeal such decision, should any portion of this "Restrictions on Arbaration- provision be deemed invalid or unenforceable, then the entire Arbitration Provision (other than this sentence) shall not apply' We are replacing the second sentence of the Continuation subsection with the following: "Except as otherwise provided in the "RestrictMns on Arbitration' provision above, If any portion of this Arbitration Provision (other than the Restrictions on Arbitration" provision) is deemed invalid or unenforceable, it shall not Invalidate the remaining portions of this Arbitration Provision, the Agreement or any predecessor agreement you may have had with us, each of which shall be enforceable regardless of such invalidity: Other Important Information About Your Account Annual EFT Error Resolution Notice This notice la to Inform you about how you should notify us of errors or questions regarding any electronic fund transfers you initiate using your American Express Card, including Express Cash transactions, or electronic payments you make to American Express using Pay By Phone, Pay By Computer, or any other American Express electronic payment service. 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.queslions, and at 1-800-CASH-NOW for Express Cash and Automatic Payment questions. Alternatively, you may write to us al American Express Travel Related Services Company, Inc., Electronic Funds Services, P.O. Box 297815, Ft. Lauderdale, FL 33329-7815, or e-mall us by clicking on the Customer Service link online at www.americanexpress.com. We must hear from you no later than GO days after we sent the FIRST statement on which the problem or error appeared or question arose. When you contact us, please provide the following information: (1) Your name and account number. (2) Description of the error or the transfer you are unsure about. Explain as clearly as you can why you believe it is an error or why you need more information. (3) The date and dollar amount of the suspected error. If you notify us by phone, we may require that you send us your complaint or question in writing within 10 business days of the call. We will determine whether an error occurred within 10 business days and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we WI 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 comple:ing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used In our Investigation. Insurance Products Notice We identify insurance providers and products that may be of Interest to you. In this role we may act on behalf of the insurance provider, as permitted by law. We receive compensation from insurance providers that may vary by provider and product. Also, we may receive additional compensation or financial benefit when AMEX Assurance Company or another American Express entity acts as the insurer or reinsurer for these products. The arrangements we have with providers, including the potential to insure or reinsure products, may also influence what products and providers we Identify. BiofTR45FYU0305 T2313 EFTA01704816 DUPLICATE COPY Pr ad For cm" Da ' 03/02/05 Page 9 of 10 An Important Notice Concerning Cardmember Privacy This Privacy t Notice is addressed to United States holders of personal American Express Charge Cards or accounts, Optima Cards or accounts, and other personal credit card accounts that we issue, and to United States holders of business charge and credit cards from OPEN: The Small Business Network." from American Express. This Notice explains how we collect and safeguard information about you and how to tell us your opt out choices. In this Notice, American Express Travel Related Services Company, Inc., American Express Centurion Bank, and American Express Bank, FSB are called 'American Express,"we,"our; and 'us.' The cards and accounts that we Issue 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 filfing 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 mall your response rather than use the toll-free number, which is 800-297-8378. Retum 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 El Do not use Cardmember Information to send me offers for products and services of other companies. Credit Information Provided to Our Affiliates El Do not share credit-related information about me (except as described in this Notice) with American Express Affiliates. Offers for American Express Products and Services K Mail Offers: Do not use Cardmember Information to mail me offers for American Express products and services. CI Telephone Offers: Do not contact me by telephone to offer me products and services. If you do not have a payment envelope, mail your response to: American Express Cardmember Information Services P.O. Box 299836 Ft. Lauderdale FL 33329-9836 Account Number 3715-488162-11006 MU/1LE/0305 T3085 EFTA01704817 DUPLICATE COPY Ay.WI Nulty Page 10 0110 Offers for American Express Products and Services Mail Offers We may use Cardmember Information to mail you offers for American Express products and services. Your Choice: To opt out from receiving these mailings, call us at 800-2974378 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 800-2974378 or fill out the attached form and return it to the address on the fonn. 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 otters 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 &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 otters 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 attachecLopt out form. We may share your name and contact Information, and information about our transactions or experiences with you, with financial institutions with whom we jointly offer financial products and services and with our Affiliates. This Notice describes opt out choices about certain other uses of Cardmember Information. MU/1LE/0305 13085 EFTA01704818 Blue for Business" DUPLICATE COPY OPEN SMALL BUSINESS NETWORK•' To manage your A online, rl , visit us at P. -1,1%;zy.,, americanexpress.com Pr Foc Cbanb Dale 04/03/05 Page 1 of 5 Previous aalaneeS Ferment ANA* New Azitoty .60=Isi ard nay New Belem* Minimum Amount Due $ Payment Due Date 04/28/05 4,809.09 0.00 +153.34 -4,962.43 503.56 Minimum Amount Due Includes: Past due amount 5_370.22 This month's amount due Credit Line Total Credit Available Credit Cash Advance Available Cash $133.34 Summary Line $ Line $ Limit $ Limit $ Please refer to page 2 on 04/03/05 8,200.00 3,237.57 0.00 0.00 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. This statement Is for Information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the minimum due amount, your account is in default and the balance is due in full. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity .141C4X4.5 ngerae Total of Payment Activity New Activity for 03/29/05 Late Payment Fee 04/03/05 Periodic FINANCE CHARGE Amount$ 0.00 Amounts 35.0D 118.34 Total of New Activity 153.34 + Please kid an the polcraftw below, detach and return wih yon wren I Payment Coupon IT'S A BAGEL GERMANTOWN MD 20876-5960 Mal Payment to: Acc<col N_riter Payment Due Date: 04/28/05 Total New Balance $ 4,962.43 Minimum Amount Due $503.56 Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 Continued on Page 3 Please enter account number on all chocks 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. n 0004%243000050356 02 ri EFTA01704819 DUPLICATE COPY INS 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 credt check issued by American Express Bank, FSB or American Express Centurion Bank). If ycu 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 wall 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 chedeng account may be debled 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 ?ay 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.americanexpresscom. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately teephone us at the number indicated on your paper statement or or dick on the Customer Service link mane. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. Finance Charges: Avenge Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance method to calculate Finance Charges on your Acoount. Underth's 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 Advance and Balance Transfer features)) of your Account (inducing current transactions). To get the Average Daily Balance for each feature, we (1)) take the beginning balance for the feature each day (including unpaid Finance Chargs from previous billing periods), (2) add any new transactions, debts, or fees,.(3)subtrad any payments or 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 equal to the previous day's daily balance multiplied by the darnperiodic rote 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 tang period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance wil be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result wit 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 chance results In daily compounding of Finance Charges. Theminimum Finance Charge for any billing period in which -Finance Charges are imposed is $0.50. Transactions Made In Foreign Currencies: If you Incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or cur agents. Unless a particular rate is required by applicable law we will choose a conversion rate that IS acceptable to us for that date. Currently, the conversion rale we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, in each Instance increased by 2%. . This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. In Case of Errors or Questions About Your Electronic Transfers: Please contact. us.by visiting us online at open.americantneress.coms or you can call us at 1-80O-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1.800-CASH- 90W 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 's wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statementorwhiehthe problemnerrocappeared. 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 wil investigate your complaint and correct any error promptly. It we take more than 10 business days to do ths, we will credit yOta" account for the amount you think is in error, so that you will have use of the money during the time Makes 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 1-800-518-8866. Change of Address I Decoct on lion do not use Nano CanParly niN o Stied /dices: City. Slate Epp Code Ana Code and Nam Phan& Area Cade and wick Prime Etna I I I I I Page 2 of 5 To Pay By Phone 1-800-472-9297 Customer Service 1.877.258-'{254 24 hours/7 days Lost or Stolen Card 1.800.521-6121 International Collect 1.623.492.7719 Hearing Impaired (9arn-Spm Si') TTY: 1 -soo-221 -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 • Providing yourGraaf address to American Express will enable you to receive special offers, suited to your needs. EFTA01704820 DUPLICATE COPY Axotxt Nunber Clang Dolo 04/03/05 Page 3 of 5 Finance Charges Billing days this penod: 32 Average Daily Daly Actual ANNUAL Nominal ANNUAL Periodic Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 4,872.67 0.0759% 27.70% 27.73% 118.34 Cash Advances 0.00 0.0759% 0.00% 27.73% 0.00 118.34 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. EFTA01704821 Per ,rol For DUPLICATE COPY IIIIIM Page 4 of 5 EFTA01704822 OPEN Savin5r-§arfiggh Pr ed For II MIS Page 5 of 5 Total Savings to Date For This Account 0.00 Savings Since Savings This Period Jan 2005 Through Apr 02 0.00 0.00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL BUSINESS CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 FEDEX - GROUND, EXPRESS AND INTERNATIONAL SHIPMENTS Ongoing $0.00 5% 50.00 $0.00 HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, OR BY CATALOG Ongoing $0.00 2% $0.00 $0.00 1-800-FLOWERS.COM - FLOWERS AND GIFTS 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.amercanexpress.conVdashboard. Other Ways To Savel To see a complete list of partners and ways to save, visit open.americanexpress.conil savings, or call 1.600 NOW OPEN (669.6736) Book your non trip through the OPEN Business Travel Center and save. Save on Constant Contact eye catching email campaigns Save on flowers, gift baskets and other business gifts at 1-800-FLOWERS.COM Save on expense management software with ExpensAble. Save on Ouickbooks and have more time to do what you do best: run your business. EFTA01704823 DUPLICATE COPY Blue for Business" Sim Prerioue Balance $ 4,962.43 EarradAtaivevS 0.00 OPEN - ,i To managear.pAir4.. Account 6911ine;vieit.us4ite10144;, SMALL BUSINESS NETWORK.' Mwkly $ Fiu Ad ard me amnia I Any +145.47 turu.n, Nirrner Now agues $ =5,107.90 Closiro Date 05/02/05 Minimum Amount Due $ 629.03 Credit Line Summary on 05/02/05 Total Credit Line $ 9,200.00 Available Credit Line $ 3,092.10 Cash Advance Limit $ 0.00 Available Cash Limit $ 0.00 Page 1 of 5 Payment Due Date 05/27/05 Minimum Amount Duo Includes: Past due amount $503.56 This month's amount due $125.47 Please refer to page 2 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. This statement is for information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the minimum due amount, your account is in default and the balance is due in full. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity .1"3" 8" °"" e Total of Payment Activity Amounts 0.00 New Activity for 'Same M S 04/30/05 Late Payment Fee 05/02/05 Periodic FINANCE CHARGE 35.00 110.47 Total of New Activity 145.47 4 Purse told way pada/a/Ian Won, detach ant town with your payment Payment Coupon MR NW GERMANTOWN MD 208 76- 5 9 6 0 Mail Payment to: Payment Due Date: 05/27/05 Total New Balance $ 5,107.90 Minimum Amount Due $629.03 • Amount enclosed fldaddiALLIMIJAMIAMIDIAkkH AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I Continued on Page 3 Please enter account number on all checks and correspondence. Make check payatke to American Express. Check here if address or telephone number has changed. Note changes on reverse side. 000510790000062903 02 II EFTA01704824 DUPLICATE COPY Account Nutrir 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 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 processing. We reserve the rigM to process checks electronically , at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue adralt 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 elecbenc 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 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 Offoce or call any local American Express office. Finance Charges: Avenge Daily Balance Method for Calculation of Finance Charges:We use the Average Daily balance methodto 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 Advance and Balance Transfer features) of your Account (inducing current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid Finance Charges from previous biting periods), (2) add any new transactions, debits, or lees, (3) subtract any payments or credits, and (4) make any appropriate adustments. For each day after the first day of the billing penal, we also add en amount of interest equal to the previous day's daily balance multiplied tri 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 billing period. This gives us the Average Daily Balance for the feature. 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 rouncfng. The total Finance Charge for the billing period iscakulated by adding the Finance Charges assessed on all features of the Account. This method of calculating the Average Daily Balance and Finance Charge results in daily compounding of Finance Charges. The Minimum Finance Charge for any billing period in which Finance Charges are imposed is $0.50. if you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment due date, then you will avoid addit onal Finance Charges on purchases included In the New Ba:ance on this statement. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, 4 will be converted into US dollars on the dale it is processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge In a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, in each instance increased by 2%. This conversion rate may differ from ratos in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. In Case of Errors or Questions About Your Electronic Transfers: Please contact. us by visiting.us online at open.americariewess.com, or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-8C0-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 ro later than 60 days after we sent you the FIRST statementenwhien 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. Descrbe 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. II 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 oomparative credit card rates, fees and grace periods by calling 1-800-518-8866. Change of Address If °mad or (roil do nail no Name Company Nbte 51reol Addrom City. Stall. Zp Code Area Code aid Mare latorm Area Ccde and Work Phone Email r in n n so To Pay By Phone 1-800-472-9297 Customer Service 1.877-2583254 24 hours17 days Lost or Stolen Card 1-800-521-6121 International Collect 1-623-492-7719 Hearing Impaired (9am5pm 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 Providing your email address to American Express will enable you mini to receive special offers, suited to your needs. EFTA01704825 DUPLICATE COPY Ps •ind For Ii Clow.3 nee 05/02/05 Page 3 of 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 $ 5,019.14 0.0759% 27.704/6 27.73% 110.47 0.00 0.0759% 0.00% 27.73% 0.00 Certain Of the periodic rates and APRS above may be variable. ThOSO rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. 110.47 EFTA01704826 DUPLICATE COPY MSS Page 4 of 5 EFTA01704827 OPEN savinir§aiti'M Page 5 of 5 Total Savings to Date Savings Since Savings This Period Jan 2005 Through May 01 For This Account 0.00 0.00 Program End Dale Transactions This Period Discount % or Credit Savings This Period Savings Since Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL BUSINESS CALLING PLANS Crigoirg $0.00 5% $0.00 $0.00 FEDEX - GROUND, EXPRESS AND INTERNATIONAL SHIPMENTS Ongoing $0.00 5% $0.00 $0.00 HERTZ -CAR RENTALS Ongoing $0.00 5% S0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, OR BY CATALOG Ongoing $0.00 2% $0.00 $0.00 14,100-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 15% $0.00 $0.00 Totals $0.00 50.00 Your OPEN Savings are updated daily on your small business Dashboard online al open.americanexpress.cornidashboard. Other Ways To Save! To see a complete list of partners and ways to save, visit open.americanexpress.comf savings, or call I -FM Now r)PFN VAQ-ATIA1 Use your Business Card and save on Constant Contact email services. Save on business incorporation and registered agent services with Business Filings Pul Expense Reports in their place with ExpensAble... Use your Business Card and savo on subscriptions to USA TODAY EFTA01704828 Blue for Business" DUPLICATE COPY OPEN SMALL BUSINESS NETWORK" LoinalgekyourApppmnb ° Iine;v~situs,at open. is Mane *eicisr' - P Cleal DMA 06/02/05 Page 1 of 5 Preriout Bcdarco $ Parnell Paling $ Nm 'Only $ Pd2K0nrers and Prom Mimes d Pry Ken Matte $ Minimum Amount Due $ Payment Due Date 06/27/05 5,107.90 0.00 +157.83 =5,265.73 766.86 Minimum Amount Due Includes: Past due amount $629.03 This month's amount due $137.83 Please refer to page 2 Credit Line Summary Total Creek Line S Available Credit Line $ Cash Advance Limit $ Available Cash Limit $ on 06/02/05 8,200.00 2,934.27 0.00 0.00 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/payblll. This statement is for information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the minimum due amount, your account is in default and the balance is due in full. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity ."'"*""A'4" Total of Payment Activity Amount$ 0.00 Anew M 05/29/05 Late Payment Fee 06/02/05 Period': FINANCE CHARGE 35.00 12283 Total of New Activity 157.83 + Mose NM cre the pedoratco below, detach and ,Morn wrh Tom peKnent + Payment Coupon Mail Payment to: Payment Due Date: 06/27/05 Total New Balance $ 5,265.73 Minimum Amount Due $766.86 I • Amount enclosed HildflAdullkhhhfflAdNanhdall 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. Check here if address or telephone number has changed Note changes on reverse side. 000526573000076686 02 H EFTA01704829 DUPLICATE COPY Page 2 of 5 Payments: Payments received after 12:00 noon or on weekends or lioideys 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 creditcheck 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 romdtance 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 transrndting 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, wematssue a draft against your account for the amount of thecheck. Authorization for Blectronlc Payments: By using the American Express Pay By Computer Pay By Phone or any other American ExpreSs electronic payment servce, 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 click on the Customer Service link onine. Outside the U.S. contact the nearest American Express Travel ServiceOffice Or Call anylOCal American ExereSS °Mee. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daly balance meth to calculate Finance Charges on your Aocount. 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 and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance fa 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 a credits, and (4) make any appropriate aaustmen s. For each day alter the first day of the billing penoci, we eke 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 fa the next day. If this balance is negative, it is considered to be zero. Then, we add up all the deity balances for the feature for the tilling period and divide the total by the number of days in the biting period. This gives us the Average Daily Balance for the feature. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and thedaily periodic rate for that feature, the result will be the Finance Charge assessedon that feature, except for variations caused by rounding. The total Finance Charge kW the belling period is calculated by adding the Finance Charges assessed on all features of the Account. This method of calculating the Average Deily Balance end 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. II you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment due date, then you wail avoid additional Finance Charges on purchases Included in the New Balance on this statement. • Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us aour agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the higteM interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, In each Instance increased by 2%. This conversion rate may differ from rates in effect cn the date of your Charge. Charges converted by establishments (such as Sines) will be billed at the rates such establishments use. In Case of Errors or Questions About Your _Electronic Transfers: . Please.contactus by visiting. us online at open.americanexpress.com, ayou 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 adctess notated 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 theproNem or error appeared. When contacting us: 1. Tea 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, 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 ut to oornplete 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 caMing 1-1100-518-8866. Mange of Address Li colt cot on tam do not deo Norm Ccfneativ Name Street Addtesa Crty, sue bp Code Area Cede and Nemo Pi ore Area Cod* and Week Phone Enrol I I I 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 1.623-492.7719 Hearing (9an-Spn Impaired 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 Providing your email address to American Express will enable you momml tO receive special offers, suited to your needs. EFTA01704830 DUPLICATE COPY ed Fa Atea Ntabw 06/02 /05 06/02/05 Page 3 of 5 Finance Charges Billing days this penod: 31 Average Daily Daly Actual ANNUAL Nominal ANNUAL Perak Balance S Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 5,172.68 0.0766% 27.95% 27.99% 122.93 Cash Advances 0.00 0.0766% 0.00% 27.99% 0.00 12283 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Walt Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704831 DUPLICATE COPY Acoc.t Mrrter Page 4 of 5 EFTA01704832 OPEN SavinWAPIATISE&M Pog? 5 of 5 S Total Savings to Date Savings Since Savings This Period For This Account Jan 2005 Through Jun 01 0.00 0.00 0.00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL BUSINESS CALLING PLANS Ongoing $0.00 5% 50.00 $000 FEDEX - GROUND EXPR ENESSTS AND I SHIPM Ongoing 50.00 5% $0.00 $0.00 HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 STAPLES • OFFICE SUPPLIES IN-STORE, ONLINE, OR BY CATALOG Ongoing $0.00 2% $0.00 $0.00 UNITEDHEALTH ALLIES - HEALTH DISCOUNT CARD MEMBERSHIP Ongoing $0.00 40% $0.00 $0.00 1400-FLOWERS.COM -FLOWERS AND GIFTS Ongoing 50.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at opensmericanexpress.comidashboard. Other Ways To Save! To see a complete list of partners and ways to save, visit open.americanexpress.com/savings or call 1-800 NOW OPEN (6694736) EFTA01704833 Blue for Business`" DUPLICATE COPY OPEN SMALL BUSINESS NETWORK"' To manage your Account online, visit us at open. americanexpress.com Pr Fof Prcvioust Bolan= S ParneN telt NOM Acwty Frit /4=seard WEQ am Arourl Harter New Palace., S eiC0ifQ Ode 07/03/05 Minimum Amount Due $ Page 1 of 3 Payment Due Date 07/28/05 5,265.73 0.00 +35.00 =5,300.73 872.86 Minimum Amount Due Includes: Past due amount $766.86 This month's amount due $106.00 Please refer to page 2 Credit Line Summary Total Credit Line $ Available Credit line $ Cash Advance Limit $ Available Cash Limit $ on 07/03/05 8,200.00 2,899.27 0.00 0.00 for important information regarding your account Your account has been cancelled and suspended. Please return all credit cards. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity 1"4""'""' Total of Payment Activity AmountS 0.00 Amounts Late 35.00 Total of New Activity 35.00 Finance Charges Billing days this period: 31 Purchases Cash Advances Average Daily Balance $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGE $ 0.00 0.00 0.0773% 0.0773% 0.00% 0.00% 28.24% 28.24% 0.00 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. 4 Plona• bid on m. Nola alian belt" detach rd rewn wih you raynerd Payment Coupon . IMP *mourn thatcr Payment Due Date: 07/28/05 Total New Balance $ 5,300.73 Minimum Amount Due $872.86 GERMANTOWN MD 20876 - 5960 1 Amount enclosed Mail Payment to: AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 Please enter account number on al checks and correspondence. Make check payable to American Express. Check here if address or telephone number has changed. Note changes on reverse side. 000530073000087286 02 IA EFTA01704834 DUPLICATE COPY Page 2 of 3 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 payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do no; 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 instituticn. 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 Exp-ess electronicpayment service, you wit 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 wiveramericanexpress.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 ServiceOffice cr call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily balance methodto calculate Finance Charges on your Account. Under thismethod,we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for eadi 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 ° C ake the beginning balance for the feature each day (including unpaid Fi nance Charges from previous billing periods), 2) add any new transactions, debits, or fees (3) subtract any paymentscc credits, and (4) make any appropriate adjustmen . For each day after the first day of rho billing period, we also add an amount of interest equal to the previous day's daily balance multiplied by the daily periodic rate for the feeure. This gives us the daily balance for the feature for that day and the beginning balance for the feature for ihO next day. If this balance is negative, d 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. 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 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 cakulating 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 imposedis $0.50. If you paid the New Balance on your prior statement in ILA by its payment due date, and you pay the New Balance on this statement by its payment due date, then you will avoid additional Finance Charges on purchases inducted in the New Balance ai this statement. Transactions Made in Foreign Currencies: if you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official 'a:inversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, in each instance increased by 2%. This conversion rate may, doer from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such estabishments use. 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 aid 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, ;Neese 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 orerror 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 wRl investigate your complaint and cored any era 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 mom during the time it takes us to complete our investigation. investigation. Credit ey or American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative creeat card rates, fees and grace periods by calling 1-800.518-8866. Change o! Address *wool on ieorl do rot use Name Company Name Street Addrtsa Cay. slate Zs, Code Area Code and Hare Phone Area Cede and Wont Friona Email r L I • 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 1-623.492.7719 Hearing HeaaringpIImEexed ff9TY: -800%1-9950 FAX: 1-800-695-9090 In NY: 1-800-522-1897 • Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33320-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Provdng your email address to American Express will enable you um= mil to receive special otters, suitedto your needs EFTA01704835 OPEN S a vi n We'lloTA 01.1 M S Total Savings to Date For This Account 0.00 Page 3 of 3 Savings Since Savings This Period Jan 2005 Through Jul 02 0.00 .;0.00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since Jan 2005 BUSINESS CAL AND LONG DISTANCE SMALL CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 FEDEXTE RN ATIONAL • GROUNDSH , EXPRES SAND IN IPMEN Ongoing $0.00 5% $0.00 $0.00 HERTZ -CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, OR BY CATALOG Ongoing $0.00 2% $0.00 $0.00 UNITEDHEALTH ALLIES - HEALTH DISCOUNT CARD MEMBERSHIP Ongoing $0.00 40% $0.00 $0.00 1.800-FLOWERS.COM - FLOWERS AND GIFTS 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.comidashboard. Other Ways To Save! To see a oomptete list of partners and ways to save, visit open.americanexpress.comf savings, or call 1-800 NOW OPEN (669-6736) DouNe points and no boolang fee when you book online with the OPEN Business Travel Center. Save on OlickBooks and make hardfing your finances a fast, convenient operation Use your Business Card and save on subscriptions to USA TODAY. EFTA01704836 DUPLICATE COPY To managelrour Account -4 OPEN Blue for Business" 'Online, visit us at open. americanexpress.corn SMALL BUSINESS NETWORK,' Pnwaw. Bohan S Ample% Amour% Nunlme Biw Ire. ABwArarts and Firarcediapnilary Now ELiowm CkwiAg Daft 08/02/05 Minimum Amount Due $ Page 1 of 3 Payment Due Date 08/27/05 5,300.73 0.00 0.00 =5,300.73 978.86 Minimum Amount Due Includes: Past due amount $872.86 This month's amount due $106.00 Please refer to page 2 Credit Line Summary Total Credt Line $ Available Credit Cash Advance Line $ Li $ Available Cash Limit $ on 08/02/05 8,200.00 2,89927 0.00 0.00 for Important information regarding your account To manage your Account, visit us online at open.americanepress.com or call Customer Service at 1-877-258-3254. Activity .sweagft. mmima Total of Payment Activity 0.00 AnrounIS Total of New Activity 0.00 Finance Charges Billing days this period: 30 Purchases Cash Advances Average Daily Balance $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Pablo FINANCE CHARGE $ 0.00 0.00 0.0773% 0.0773% 0.00% 0.00% 28.24% 28.24% 0.00 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. 4 Mato MIS on UMWideman to144. *Math ar4 ,"um 4111 ycur p4munt Payment Coupon GERMANTOWN MD 20876-5960 Mail Payment to: Payment Due Date: 08/27/05 Total New Balance $ 5,300.73 Minimum Amount Due $978.86 Amount enclosed IldAddullhhhhOhdhaanHAUdahhIl AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 In On illMMMIltttllttllttlltttllrttllttrrtlrllrlrrlrltttrlull Please enter account number on all checks and correspondence. Make check payable to American Express. See Finar.ce Charges section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or telephone number has changed. Please note changes on reverse side. 000530073000097886 02 rl EFTA01704837 DUPLICATE COPY Page 2 of 3 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 processing. We reserve the right to process checks electronicaly , 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 pa ent. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account forte 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 gwess to initiate an electronic debit to the financial account you specify in the amount you requed. . To use Pay By Computer, please visit us at vnvw.americanexpresscom. 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 mane. Outside the U.S. contactthe nearest American Express Travel ServiceCtlice 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 yourA000unt. Underthis method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as describedb.elow) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (incluckng current transactions). To get the Average Daly Balance for each feature, we % take the b balance for the feature each day (including unpaid Finance Charges from previous billing periods), 2) add any new transactions, debts or fees (3) subtract any payments or credits, and (4) make any appropriate adjustments. For each day alter the first day of the billing period, we also add an amount of interest equal to the previous day's daffy balance mu/4311.d by the daihe periodic rate for the feature. This gives us the daisy balance for the feature fcr that day and the beginning balance for the feature for the next day. If this balance is negative, t is considered to be zero. Then, we add up all the daily balances for the feature for the tilling penod and divide the total by the number of days in the tiling penod. This gives us the Average Daily Balance for the feature. If you multiplythe 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 billing period iscalculated by adding the Finance Charges assessed on all features of the Account. This method of calculating the Average Daily Balance and Finance Charge results In daily compounding of Finance Charges. The minimum Finance Charge for any billing period in which Finance Charges are imposed is $0.50. If you paid the New Balance on your prior statement in kill by its payment due date, and you pay the New Balance on this statement by its payment duo dale, then you wdl avoid additional Finance Charges on purchases included in the New Balance on this statement. Transactions Made in Foreign Currencies: If you Incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or ow agents. Unless a panicular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, In each Instance Increased by 2%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. In Case of Errors or Questions About Your Electronic Transfers: Please contact. us. by visiting-us-online at open.americanexpress.comk 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 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 wedeln 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 is in error, so that you will have use of the money during the time it takes us to complete our investigation. Credftor: 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 Adkins coned on hail do not use Nano Company None Stnet AdItess CIY, Elate Zy Coe* kneads and Nano Phan* Area Cade and Work Phone Email rt_i_ LI I I _IJ To Pay By Phone 1-800472-9297 Customer Service 1-877-258-3254 24 hours/7 days Los! or Stolen Card 1.800.521-6121 International Collect 1-623-492-7719 (HearingpIImpaired EST) rnr: -soo-nl -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 you al to receive special otters, suited to your needs. EFTA01704838 OPEN Savietaral ry 001. 1 ACCOvnl Minter Page 3 ot 3 Total Savings to Date Savings Since Savings This Period For This Account 0.00 Jan 2005 Through Aug 01 0.00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since Jan 2005 AT&T LOCAL AND LONG DISTANCE SMALL. BUSINESS CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 FEDEX - GROUND, EXPRESS AND INTERNATIONAL SHIPMENTS Ongoing $0.00 5% $0.00 $0.00 HERTZ- CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, OR BY CATALOG Ongoing $0.00 2% $0.00 $0.00 UNITEDHEALTH ALLIES - HEALTH DISCOUNT CARD MEMBERSHIP Ongoing $0.00 40% $0.00 $0.00 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your snail business Dashboard online at open.americanexpreSS.com/dashboard. Other Ways To Save! To see a complete list of partners and ways to save, visit open.americanmearess.comrsavings or call 1-800 NOW OPEN (669-6736) EFTA01704839 Blue for Business5" DUPLICATE COPY OPEN SMALL BUSINESS NETWORK" To manage your Account online, visit us at open. americanexpress.com Pr td Fcr n Anet,,MMnbet Closing Oats 09/02/05 Page of 3 PreAecn Sabre $ Act $ Now ActiAly $ Fiunos Mettactre an/ Nam Sabra S Minimum Amount Due $ Payment Due Date 09/27/05 5,300.73 0.00 0.00 =5,300.73 1,084.86 Minimum Amount Due Includes: Past due amount $978.86 This month's amount due $106.00 Please refer to page 2 Credit Line Summary Total Credit Line $ Available Credit Line $ Cash Advance Limit $ Available Cash Limit $ on 09/02/05 8,200.00 2,899.27 0.00 0.00 for important information regardng your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity "taaccnr*"' Total of Payment Activity Amount $ 0.00 Amount $ Total of New Activity 0.00 Finance Charges Billing days this penod: 31 Purchases Cash Advances Average Daily Balance $ Daily Actual ANNUAL Nominal ANNUAL Periodic Rate PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGES 0.00 0.0780% 0.00 0.0780% 0.00% 28.49% 0.00% 28.49% 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. 0.00 0.00 0.00 Please Ackl on the perlecaScn biter. detach and rewrn nth yew cement + Payment Coupon GERMANTOWN MD 20876 -5960 Mail Payment to: Payment Due Date: 09/27/05 Total New Balance $ 5,300.73 Minimum Amount Due S1,084.86 • 1 Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 Please enter account number on all checks and correspondence. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or telephone number has changed. Please note changes on reverse side. 000530073000108486 02 d EFTA01704840 SEW DUPLICATE COPY AcmcmccaXXX Page 2 of 3 Payments: Payments received alter 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 wil be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in proCeSSing. We reserve the right to process checks electronically , at first presentment and any re-presentments, by trartsmating the amount of the check, routing number, account number and check serial number to your financial institution. Tour checking account may be debited as soon as the same day we receive your payment. If we cannot ceded 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 www.americanexpress.com. Lost or Stolen Card: If the Card is lost or stoten, in the U.S. immediately telephone us at the number indicated on your paper statement, or click on the Customer Service Ink online. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. Finn ham es: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily wee me ocalculate Finance Chargeson your Account. Underthis method, we figure the Finance Chargescn your Account by applying the daily periodic rate to the Average Daly Balance (as described below) for each feature (such as Purchase Cash 'Vance and Balance Transfer features) of your Account (including current transactions). To get the Average baity Balance fc 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 adjustments. For each day after the first de of the billing Period, we also add an amount of interest equal to the previous day's daily balance mut plied by the daly 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 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. If you mainly 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 billing period is calculated by adding the Finance Charges assessed on all features of the Account This method of calculating the Average Daily Balance and Finance Charge results In daily compounding of Finance Charges. The minimum Finance Charge for any billing period in which Finance Charges are imposed is $0.50. If you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment due date, then you will avoicladcitionW Finance Charges on purchases included in the New Balance onthisstatemenL Transactions Made in Foreign Currencies: If you incur a Charge in a foreign currency, it will be convened into US dollars on the date it is processed by us or our agents. Unless a particularrate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the hi hest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, in each Instance increased by 2%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as wines) wil be billed at the rates such estalishments use. In Case of Errors or Questions About Your Electronic Transfers: Please contactusby 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 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 Df0 unsure of, and explain as clearly as ymi can why you believe there is an error or whyyou need more information. We will investigate your complaint and correct any erns promptry. If we take more than 10 business days to do this, we will credit your account lathe amount you thinks In error, so that you will have use of the money during thebme it takesus to complete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credt card rates, fees and grace periods by calling 1-800-518-8866. Change of Address r coned on front do not uan None Conpany Urn* Street Address Get, Stale Zp Coda Area Code and Hama Phone Ale. Code and Work Phone Erne r To Pay By Phone 1400-472.9297 Customer Service 1.877.258.3254 24 hoursi7 days Lost or Stolen Card 1.800-521.6121 International Collect 1-623-492.7719 Hearn° Impaired (9am-5pm EST) TTY: 1-800.221.9950 FAX: 1-800-695-9090 In NY: 1.800.522.1897 Large Print and Braille Statements 1.877.258-3254 O Correspondence Customer Service P.O. Box 7853 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360602 FT LAUDERDALE FL 53556-0002 Prowling your email address to American Express will enable you j to renewsspecial offers, suited to your needs. EFTA01704841 OPEN SavinWeLgarig&PM Acoast Number Page Sol )OOOC-)0000 S Savings to Date Savings Since Savings This Period For This Account 0.00 Jan 2005 0.00 Through Sep 01 0.00 Program AT&T - LOCAL AND LONG DISTANCE SMALL BUSINESS CALLING PLANS End Date Transactions Discount % This Period or Credit Savings Savings Since Thus Period Jan 2005 Ongoing E0.00 5% $0.00 $0.00 FEDEX - GROUND, EXPRESS AND Ongoing INTERNATIONAL SHIPMENTS $0.00 5% $0.00 $0.00 FEDEX KINKO'S OFFICE AND PRINT CENTERS - Ongoing DOCUMENT SOLUTIONS AND BUSINESS SERVICES $0.00 5% HERTZ - CAR RENTALS Ongoing STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, Ongoing OR BY CATALOG UNITEDHEALTH ALLIES - OngOing $0.00 HEALTH DISCOUNT CARD MEMBERSHIP $0.00 5% $0.00 2% $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 40% $0.00 $0.00 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at open.airolcanexpress.com/dashboard. $0.00 Other Ways To Save! To see a complete list of partners and ways to save, visit open.americanexpress.com/ savings, or call 1.800 NOW OPEN (6894736) Savo 20% when incorporating your business with Business Flings Save 25% on expense reporting software with ExpensAble Save 5% on business gifts at 1.800-FLOWERS.COM Save 20% on payroll preparation With Cendian Save 10% an a 12 month subscription to USA Today EFTA01704842 Blue for Business'" IS= DUPLICATE COPY OPEN SMALL BUSINESS NETWORK" ACCOri Nulty Ckn'rg Dso 10/03/05 To: manage your Account Online, visit uo.iet.open.. • ambrioanexpreas.com,-' Page 1 of 3 Previous Balams $ Pamirs Ad/4y$ New Atthy S ic. Acqustrs ant Finance Charon d arty Nom eala-c• $ Minimum Amount Due $ Payment Due Date 10/28/05 5,300.73 0.00 0.00 =5,300.73 1,190.86 Minimum Amount Duo Includes: Past due amount $1,084.86 The month's amount due Credit Une Total Crack Avaiable Creckt Cash Advance Available Cash $106.00 Summary Line $ Line $ Limit $ Limit $ Please refer to page 2 on 10/03/05 8,200.00 2,899.27 0.00 0.00 for important information regarding your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity Imitates marg.:We AmountS Total of Payment Activity 0.00 Ainount Total of New Activity 0.00 Finance Charges Billing days this penod: 31 Purchases Cash Advances Average Daily Balance Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Penothc FINANCE CHARGE $ 0.00 0.00 0.0788% 0.0788% 0.00% 0.00% 28.72% 28.72% 003 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. Phase AU on the poktalalbere. detach end Mum vat your payment j Payment Coupon GERMANTOWN MD 20876-5960 klillialoillodillookillakailolkalinllolo RIM Mail Payment to: Payment Due Date: 10/28/05 Total New Balance $ 5,300.73 Minimum Amount Due $1,190.86 • I Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 1.1..1,1,.,.1,11 Please enter account number on all checks and correspondence. Make check payable to American Express. See Finance Charges sedion on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or telephone number has changed. Pease note changes on reverse side. .300530073000119086 02 ri EFTA01704843 DUPLICATE COPY kecurallunbw Page 2 of 3 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 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 mstaution. 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 Icr 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 vnwtemericanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immeciately telephone us at the number indicated on your paper statement or click on the Customer Service link online. Outside the U.S. contact the newest American Express Travel Service Office orcall any local American Express oll ice. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance methooto 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) for each feature (such as Purchases Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the D Average aly Balance for each feature, we (1? take the becoming 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 ac4ustmens. For each day after the first day of the billing period, we also add an amount of Interest equal to the previous day's daily balance multiplied by the daily periodic rato 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 s 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 kr the feature. If you multiply the Average Daily Balance tor each feature by the number of days in the billing period and the daily periodic rate for that feature, the resu't will be the Finance Charge assessed on that feature, except for variations caused by rouncfing. The total Finance Charge for the billin period is calculated by adding the Finance Charges assessed on all features of the Account. This method of calculating the Average Orally 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. If you paid the New Balance on your prior statement in full by its payment due date, and you pay the Now Balance on the statement by its payment due date, then you wit avoid additional Finance Charges on purchases includedin the New Balance on Misstatement. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, in each instance Increased by 2%. This conversion rate may offer from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) wil be billed at the rates such establishments use. In Case of Errors or Questions About Your Electronic Transfers:. Please contact us .by visiting us online at open.americanexpress.com, or you can can 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 wrench 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 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 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 thetime it takes usto compete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, lees and grace periods by calfing 1.800-518.8866. Change of Address It conct co front do not uee Street Address Cry. State DO Cede Area Code and Homo Phone Area Code and Work Procne Erma (c9Mancli To Pay By Phone 1-800472-9297 Customer Service 1477-258-3254 24 hours/7 days Lost or Stolen Card 1-800.521.6121 International Collect 1-623-492-7719 Hearing Impaired (9am-5pm EST) TTY: 1-800-2214950 FAX: 1-800-695-9090 In NY: 1-800-522-1897 Large Print and Braille Statements 1-877-258-3254 O Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE Ft. 33336-0002 • To change your address online, visit www.americanexpress.com/updatecontactinb • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly In blue or black Ink only in the boxes provided. T LJ J LL-L_ Please provide your e-mail address to receive important j account updates and exclusive Cardmember offers and benefits. You mayvisit the American Express Privacy Statement at wynvamericanexpress.corniprivacy for moredetas and to set your email preferences. EFTA01704844 OPEN savin5PUTMPAW Accord lust( Page 3 of 3 S Total Savings to Date Savings Since Savings This Period For This Account 0.00 Jan 2005 Through Oct 02 0.00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL BUSINESS CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 FEDEX - GROUND, EXPRESS AND INTERNATIONAL SHIPMENTS Ongoing $0.00 5% $0.00 $0.00 FEDEX KINKOS OFFICE AND PRINT CENTERS - DOCUMENT SOLUTIONS AND BUSINESS SERVICES Ongoing $0.00 5% $0.00 $0.00 HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 RUBY TUESDAY- CASUAL DINING Ongoing $0.00 5% $0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, OR BY CATALOG Ongoing $0.00 2% $0.00 $0.00 UNITEDHEALTH ALLIES - HEALTH DISCOUNT CARD MEMBERSHIP Ongoing $0.00 40% $0.00 $0.00 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 5% $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 Save? To see a complete list of partners and ways to save, visit open.americanmoress.com/savings or call 1-800 NOW OPEN (6696736) EFTA01704845 DUPLICATE COPY To manage your Account OPEN Blue for Businesss" online, visit us at open. amcricanexpress.com SMALL BUSINESS NETWORK" MOON Nurnbcr Clod% Oda 11/02/05 Page 1 of 2 Predcus BaMatti Parted Deady New Reedy Acivitnetaa ard Finarce Chargesi erre Nen 84anceS Minimum Amount Due $ Payment Due Date 11/27/05 5,300.73 0.00 0.00 -5,300.73 1,296.86 Minimum Amount Due Includes: Past due amount $1,190.86 This month's amount due $106.00 Please refer to page 2 for important information regarding your account Credit Line Summary on 11/02/05 Tots Credt Una $ 8,200.00 Available Credit une $ 2,899.27 Cash Advance Umit $ 0.00 Available Cash limit $ 0.00 Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity m6"" P" da Amount S Total of Payment Activity 0.00 ArnounIS Total of New Activity 0.00 Finance Charges SIIEng days this period: 30 Purchases Cash Advances Average Daily Balance $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGE $ . 0.00 • 0.00 0.0786% 0.0786% 0.00% 0.00% 28.72% 28.72% 0.00 0.00 0.00 Certain of the periodic rates arid APRs above may be variabie. 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. Rear.° fel:lent* perleraban telex, (Mach and ream wth p>tar payrrent Payment Coupon ERMANTOWN MD 20876 -5960 Mail Payment to: Payment Due Date: 11/27/05 Total New Balance $ 5,300.73 Minimum Amount Due $1,296.86 • Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I Please enter account number on all checks and correspondence. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or telephone number has changed. Please note changes on reverse side. n 000530073000129686 02 rl EFTA01704846 DUPLICATE COPY Pr td L Page 2 of 2 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 'our payment in the enclosed envelope with rerrettance stub attached and account number indicated on the check Please do not send post-dated checks. They will be deposited upon receipt.. II payment Is made in any other form or at any other location, there may be a delay in processing. We reserve the nght to process checks electronically , at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and chock serial number to your financial institution. Tour chocking account may be detited as soon as the same day we receive your payment If we cannot 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 sew*, ycu will be authorizing American Expess 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 www.arrericanexpress.00m. Lost or Stolen Card: If tne Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your gaper statement or click on the Customer Service link wine. Outside the U.S. contact the nearest American Express "frayed Service Office or call any local American Express office. Finance Charcte-e: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance method to calculate Finance Charges on your Account. Under thi.s 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 Advanceand Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance for each feature, we (1 take the beginning balance for the feature each day (including unpaid an Fin ce Charges from previous tiling periods), (2) add anynew transactions, debits, or fees, (3) subtract any payments or credits, and (4) make any appropriate adustmenls.For each day after the first day of the billing period, we also add an amount of interest equal to the previous days daily balance rnultiplied by the daily periodic rate for the feature. Thiegvn 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. Tnen, we add up all the daily balances for the feature for the billing perod and divide the total by the number of days in the biting period. This gives us the Average Daily Balance for the feature. 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 wiz be the Finance Charge assessed on that feature, except for variatens caused by rounding. The total Finance Charge for the till® period is calculated by adding 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 Wing period in which Finance Charges are imposed is $0.50. If you paid the New Balance on your prior statement in full by its payment due dale, and you pay the New Balance on this statement by its payment due dale, then you will amid additional Finance Charges on purchases included in the New Balanceon M.estatement. Transactions Made in Foreign Currencies: If you incur a Charge in a foreign currency, it wily be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion re we use fa a Charge in a foreign currency is no greater than (a) the tighest official conversion rate published by a government agency, or (b) the hichest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, in each Instance increased by 2%. This conversion rate may, differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will he billed at the rates such establishments use. 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 1-8C0-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 possibe. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or enor ed. When contacting Us: 1. Tel us your aname PPe 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 wit investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we wrl credit your account for the amount you think is in error, so that you will have use of the money during thetime it takes us to completeour investigation. Creditor: American Express Bark, 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 II correct on front do notes. Steel Mates, Car, Stole trp code Area Coda and Hem Phone Area Cole ,ad Watt Phone • (optionag 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 Coned 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 Large Print and Braille Statements 1-877-258-3254 O Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 • To change your address online, visit ww.v.americanexpress.comrupdateconfactinfo • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly In blue or black Ink only in the boxes provided. rT1 1 1 1 L You may visit the American Express Privacy Statement at wymamericanexrxess.conVprivacy for more details and to set your email preferences. Please provide your e-mail address to receive important J account updates and exclusive Cardmember Offers benefits. EFTA01704847 Blue for Business." Pr Fcr Previous Balance 5,300.73 Total Credit Line $ 8,200.00 DUPLICATE COPY OPEN To manage your Account online, visit us at open. americanexpress.com SMALL BUSINESS NETWORK" New Ac iely $ Ad;Jtarrits ard Frerce Chargesd any 0.00 New eatn4 $ =5,300.73 0140 12/02/05 Minimum Amount Due $ 1,402.86 Credit Line Summary on 12/02/05 Avaiable Credit Line $ 2,899.27 Cash Advance Limit $ 0.00 Available Cash Limit $ 0.00 Page I of 3 Payment Due Date 12/27/05 Minimum Amount Due Includes: Past due amount $1,296.86 This month's amount due $106.00 Please refer to page 2 for important information regardng your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity - ft wowpcomdam AMOUld$ Total of Payment Activity 0.00 AmountS Total of New Activity 0.00 Finance Charges Baling days this period: 30 Purchases Cash Advances Average Daily Balance $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE Periodic FINANCE CHARGE $ 0.00 0.00 0.0793% 0.0793% 0.00% 0.00% 28.97% 28.97% 0.00 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. Maur KU on the prodomicet beam auch erd ream 'at% yore paynant Payment Coupon ERMANT WN MD 20876-5960 II II III II IIII I Irl I I I'll II II III I II II IIIIIIIIIIrIIIIIIIItIIIII Mail Payment to: Payment Due Date: 12/27/05 Total New Balance $ 5,300.73 Minimum Amount Due $1,402.86 • I Amount enclosed HAaddakkhdhAnandall AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 IIIIIIIIIIIIIIIIIIIII II"I tllttllltttttltlltlttltlttttltll Please enter account number on all checks and correspondence. Make check payatle to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or telephone number has changed. Please rote changes on reverse side. • 000530073000140286 02 d EFTA01704848 DUPLICATE COPY Page 2 of 3 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited and tie 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 %rah the remittance stub attached and account number indicated on the check. Please do not send postdated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in proceSSing. We reserve the right to process checks electronicaty , at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment If we cannot collect the funds electronically at first presentment, we may Issue a draft against your account for the amount of the check. Authorization for Electronic Payments: By using the American Express Pay By Computer Pay By Phone or any other American Express electronic payment serves, 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 wvv.arnericanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immedialebytelephone us at the number indicated on your paper statement or dick on the Customer Service link aline. 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 Daily Balance methodic, calculate Finance Charges on yourAccount. Under this method, we figure the Finance Chargescn yaw 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 (including current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid Finance Charges from previous billing periods),(2) add any new transactions, debits, or fees, (3) subtract any paymentsor credits, and (4) make any appropriate adjustments.For each day after the first day of (he billing 5iriod, we also add en amount of interest equal to the previous day's daily balance multiplied by the des periodic rate for the feature. This gves us the daily balance for the feature for that day and the beginning balance. or the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the billing period. Tht gives us the Average Daily Balance for the feature. If you mufti* 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 tillino penod s calculated by adding the Finance Charges assessed on all features of the Account. This method of catulating 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. If you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment due date, then you will avoid additional Finance Charges on purchases included In the New Balance on this statement. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no eater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, in each instance increased by 2%. This conversion rate may cfiffer from rates in effect on the date of your Charge. Charges converted by estabishments (such as airlines) will be baled at the rates such establishments use. 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 tho Expross 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. Tel 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 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 du rina 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 1.800-518.8866. Change of Address if cont.:: C.r, front Seed Address Cdy, Slat* Zp Cede Area Code and Home Phone Area Cede and Work Phones Cmal (opional) • To Pay By Phone 1.800.472.9297 Customer Service 1.877.25&'2 54 24 hours/7 days Lost or Stolen Card 1.800.521.6121 International Collect 1.623-492-7719 Hearing Impaired (gam-Stiom EST) TTY: -800.221.9950 FAX: 1.800-695.9090 In NY: 1-800-522-1897 Large Print and Braille Statements 1.877-258.3254 • Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329.7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 • To change your address online, visit www.americanexpress.com/updatecontactinfo • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly In blue or black Ink only In the boxes provided. I I You may visit the American Express Privacy Statement at www.americanexpress.00nVprivacy for more details and to set your email preferences. Please provide your e•mail address to receive important Non j account updates and exclusive Cardmember offers and benefits. EFTA01704849 OPEN savitaTMPAVy wows Wt.; Page 3 of 3 S Total Savings to Date Savings Since Savings This Period For This Account 0.00 Jan 2005 Through Dec 01 0.00 0.00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since Jan 2005 ADMINISTAFF - HUMAN RESOURCE OUTSOURCING Ongoing $0.00 25% $0.00 $0.00 AMERICAN EXPRESS GIFT CARDS - GIFTING SOLUTIONS Ongoing $0.00 3% $0.00 $0.00 AT&T- LOCAL AND LONG DISTANCE SMALL BUSINESS CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 BUSINESS FILINGS • INCORPORATE YOUR BUSINESS Ongoing $0.00 20% $0.00 $0.00 CERIDIAN • PAYROLL SERVICES Ongoing $0.00 20% $0.00 $0.00 CONSTANT CONTACT • EMAIL MARKETING SERVICES Ongoing $0.00 15% $0.00 $0.00 COURTYARD BY MARRIOTT - FOR PARTICIPATING HOTELS, VISIT MARRIOTT.COINOPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 EXPENSABLE - EXPENSE MANAGEMENT SOFTWARE Ongoing $0.00 25% $0.00 $0.00 FAIRFIELD INN BY MARRIOTT - FOR PARTICIPATING HOTELS, VISIT MARRIOTT.COMIOPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 FEDEX-GROUND, EXPRESS AND SHIPMENTS Ongoing $0.00 5% $0.00 $0.00 FEDEX KINKOS OFFICE AND PRINT CENTERS - DOCUMENT SOLUTIONS AND BUSINESS SERVICES Ongoing $0.00 5% $0.00 $0.00 HERTZ • CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 HYATT - HOTELS & RESORTS IN THE U.S. AND PUERTO RICO Ongoing $0.00 3% $0.00 $0.00 LOGOWORKS - CUSTOM LOGO DESIGN Ongoing $0.00 15% 50.00 $0.00 RUBY TUESDAY- CASUAL DINING Ongoing $0.00 5% $0.00 $0.00 SPRINGHILL SUITES BY MARRIOTT • FOR PARTICIP. HOTELS, VISIT MARRIOTT.COPNOPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, OR BY CATALOG Ongoing $0.00 2% $0.00 $0.00 UNITEDHEALTH ALLIES - HEALTH DISCOUNT CARD MEMBERSHIP Ongoing $0.00 40% Moo $0.00 USA TODAY - ALL SUBSCRIPTIONS Ongoing $0.00 10% $0.00 $0.00 WINGATE INNS. HOTELS IN THE U.S. Ongoing $0.00 5% $0.00 $0.00 1-800-FLOWERS.COM • FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your Summary of Accounts page online at www.americanexpress.comfaccountsummary. Other Ways To Save! To seo a complete list of partners and ways to save, visit open.americanexpress.com/ savings, or cal 1-800 NOW OPEN (669-6736) Save 3% when purchasing American Express Gift Cards oNine - visit open.arnericanexpress.conVgIftcards Save an extra 5% at 1-800-FLOWERS.COM - visit operLamelcanexpress.comfilws Save 20% on payroll preparation with Cerldlan - visit open.americanexpress.ocmIceridian Save 25% on easy-to-use expense management software - visit 0pen.americanexpress.00m/expensable Protect your personal assets by incorporating and save 20%- visit open.amaicanexpress.ccm/bizfilings EFTA01704850 Blue for Business Pnwiaus SalarceS 5,300.73 Total Credit Unes 8,200.00 DUPLICATE COPY OPEN To manage your Account online, visit us at open. americanexpress.com SMALL BUSINESS NETWORK" NewAcb$ e nelereed 0.00 Accost Nunter Nceeeda-ceS =5,300.73 Cairo D3f0 01/02/06 Minimum Amount Due $ 1,508.86 Credit Line Summary on 01/02!06 Available Coedit Line $ 2,899.27 Cash Advance Limit $ 0.00 Available Cash Limit 0.00 Page 1 of 3 Payment Due Date 01/27/06 Minimum Amount Due Includes: Past due amount $1,402.88 Tha month's amount due $106.00 Please refer to page 2 for important inlormation regarding your accourt Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity trocememum&de AmountS Total of Payment Activity 0.00 AmountS Total of New Activity 0.00 Finance Charges Billing days this penod: 31 Purchascs Cash Advances Average Daily Balance $ Daily Por:odic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGE $ 0.00 0.00 0.0800% 0.0800% 0.00% 0.00% 29.23% 29.23%> 0.00 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. Pb.te led on lho podorton bebs, delar-h aM reurnveh yus pa)rnere 3 Payment Coupon / 6 - 5960 Amount enclosed Mail Payment to: AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 1 1111'8ml/1i Payment Due Date: 01/27/06 Total New Balance $ 5,300.73 Minimum Amount Due $1,508.86 Please enter account number on all checks and correspondence. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here it your address or telephone number has changed. Please note changes on reverse side. IIIIIIIIIIIIIIIIIIIIP00530073000150886 02 H EFTA01704851 DUPLICATE COPY Page 2 of 3 Payments: Payments received after 12:00 noon or on weekends or hokdays may not be credited until tie 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 renitence stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposled upon receipt. If payment is made in any other form or at any other location, there may be a delay in proceSeing. We reserve the right to process checks electroncaly , 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, 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 visitus 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 Amercan Express Travel Service Office or call any local American Express office. Finance Changes: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily !Silence methooto calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Amount by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchases Cash Advance and Balance Transfer features) of your Account findudrig current transactions). To get the Average Daily 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 adiustmen . For each day altar the first day of the billing parrot, 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 balance for the feature tartlet day and the loaginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. If you multiply the Average Daly Balance for each feature by the number of days in the bil:ng 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 Fin icer Charge for the billing period is calculated by adding the Finance Charges assessed on WI 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 biting period in which Finance Charges are imposed is $0.50. II you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment due date, then you will avoid additional Finance Charges on purchases included in the New Balance on this statement. Transactions Made in Foreign Currencies: If you incur a Charge in a foreign currency, It will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rale we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion dale or the prior business day, In each instance increased by 2%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (suds as airlines) will be billed at the rates such establishmentsuse. In Case .of Errors or Questions About Your Electronic Transfers: Please contact us loy visiting us online at open.americanexpress corn, 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 alter we sent you the FIRST statement on which the prodem 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 *arty as you can why you believe there is an error or whyyou need more information. We will investigate r complaint endeared any error promptly. If we take more than 10 business days to do this, we will credit your account you 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 Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparativecreM card rates, fees and grace periodsby calling 1.800.518.8866. Change of Address it comet on Iran do not uso Sun: Address Cdr. State Zip Coda Area Cede and Howe Phone Area Code and Wolk Phone Email lointionni) To Pay By Phone 1-800472-9297 Customer Service 1.877.258-3254 24 hours/? days Lost or Stolen Card 1-800.521.6121 International Collect 1.623492-7719 Hearing Impaired (9am-5pm EST) TTY: 1-800-221-9950 FAX: 1-800-695-9090 In NY: 1.800.522.1897 Large Print and Braille Statements 1-877-258-3254 • Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 • To change your address online, visit envw.americanexpress.com/updatecontactinfo • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly In blue or black Ink only In the boxes provided. T 1 -1-TTT7 A Please provide your email address to receive important j account updates and exclusive Cardmember offers and benefits. You may visit the American Express PrivacyStatement at wrow.americanergess.00m/privacy for more details andtoset your email preferences. EFTA01704852 OPEN Savi nWeLfiTA RE& IOW Page 3 of 3 Total Savings to Date Savings Since Savings This Period Jan 2006 Through Jan 01 For This Account 0.00 0.00 0.00 Program End Date Transactions This Period Discount °I, or Credit Savings This Poriod Savings Since Jan 2006 AMERICAN EXPRESS GIFT CARDS - GIFTING SOLUTIONS Ongoing $0.00 3% $0.00 $0.00 AT&T - LOCAL AND LONG DISTANCE SMALL BUSINESS CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 COURTYARD BY MARRIOTT- FOR PARTICIPATING HOTELS, VISIT PAARRIOTT.COIWOPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 FAIRFIELD INN BY MARRIOTT - FOR PARTICIPATING HOTELS, VISIT MARRIOTT.COANOPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 FEDEX - GROUND, EXPRESS AND INTERNATIONAL SHIPMENTS Ongoing $0.00 5% $0.00 $0.00 FEDEX KINK= OFFICE AND PRINT CENTERS- DOCUMENT SOLUTIONS AND BUSINESS SERVICES Ongoing $0.00 5% S0.00 $0.00 HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 HYATT - HOTELS & RESORTS IN THE U.S. AND PUERTO RICO Ongoing $0.00 3% $0.00 $0.00 RUBY TUESDAY - CASUAL DINING Ongoing $0.00 5% $0.00 $0.00 SPRINGHILL SUITES BY MARRIOTT - FOR PARTICIP. HOTELS, VISIT MARRIOTT.COMIOPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, OR BY CATALOG Ongoing $0.00 2% $0.00 $0.00 UNITEDHEALTH ALLIES - HEALTH DISCOUNT CARD MEMBERSHIP Ongoing $0.00 40% $0.00 $0.00 USA TODAY- ALL SUBSCRIPTIONS Ongoing $0.00 10% $0.00 $0.00 WINGATE INNS - HOTELS IN THE U.S. Ongoing $0.00 5% $0.00 $0.00 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daly on your Summary of Accounts page online at www.amerlcanespress.com/accountsummany. Other Ways To Save! To see a complete list of partners and ways to save, visit opan.arnericanexpress.com/sav:ngs or call 1-800 NOW OPEN (669-6735) EFTA01704853 Blue for Business's." Previous Ballmice 5,300.73 Pone. Adsay $ 0.00 DUPLICATE COPY OPEN To manage your Account online, visit us at open. americanexpress.com SMALL BUSINESS NETWORK" New kiitty Ns S ard Oivgee II any 0.00 Amami Mint% Wm °alarm =5,300.73 OmkoDge 02/02/06 Minimum Amount Due $ 1,614.86 Credit Line Summary on 02/02106 Total Credit Line $ 8,200.00 Available Credit Line$ 2,899.27 Cash Advance Umit $ 0.00 Available Cash Limit $ 0.00 Fagelof3 Payment Due Date 02/27/06 Minimum Amount Duo Includes: Past due amount $1,508.86 The month's amount due $106.00 Please refer to page 2 for important information regarding your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity ."4" ." 4""" Total of Payment Activity Total of New Activity Finance Charges Billing days this period: 31 Purchases Cash Advances Average Daly Balance $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE 0.00 0.00 0.0800% 0.0800% 0.00% 0.00% 29.23% 29.23% Arnount$ 0.00 Amount S 0.00 Periodic FINANCE CHARGE S ' 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 you Cardmember Agreement as currently in effect. 0.00 0.00 0.00 Pbaso fold onto perluaico belart, detach ant reit= wth yw paymen: Payment Coupon Payment Due Date: 02/27/06 Total New Balance $ 5,300.73 Minimum Amount Due $1,614.86 GERMANTOWN MD 20876 - 5960 111111 II II PUN 'III IIItldillllntlruluitlnluul,II • I Amount enclosed Mail Payment to: HddlIddahhhhIlhdhaaJandullhhIl AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 WhLdlanfl.H.A.fl HhlohLAH Please enter account number on all checks and correspondence. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or telephone number has changed. Please note changes on reverse side. 000530073000161'486 02 rl EFTA01704854 DUPLICATE COPY Pace 2 of 3 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 processing. We reserve the right to process checks electronic* , 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 debated as soon as the same day we receive your payment. If we cannot collect the funds etedronicaly 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 electrcnic payment service, you will be authorizing American Express to initiate an electronic debit to the financial account you specify in the amcuM 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. immecfiately te'ephone 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 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 described below) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance for each feature, we (1)) take the beginning balance for the feature each day (including unpaid Finance Charges from previous billing periods), (2) add any new transactions, debits or fees (3) subtract any paymentsor credos, and (4) make any appropriate adjustmen s. For each day alter the flat day of the billing period, we also add en amount of interest equal to the previous days deity 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 ter 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. 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 rounding. The total Finance Charge for the tilling period is calculated by acting the Finance Charges assessed on all features of the Account. This method of calculating the Average Da Balance and Finance Charge results in daily compounding of Finance Charges. The minimum Finance Charge for an billing period in which Finance Charges are imposed is 80.50. If you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment due dale, then you will avoid additional Finance Charges on purchases included in the New Balance on this statement. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the dato it is processed by us a our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a fusion currency is no greater than (a) the behest official conversion rate published by a govemment agency, or (b) the highest interbank conversion rate identified by us from customary laanking sources, on the conversion date or the prior business day, in each Instance Increased by 2%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. In Case of Errors or Questions About Your Electronic Transfers: Please contact us bz visiting us online at open.arnericanexpress.00m, 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 atter 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 whyyou need more information. We wit investigate your complaint and correct any error promptly. II 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 thetime Makes usto complete our investigation. Creditor: American Express Bar*, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees andgrace periods by calling 1-800.518-8866. Change of Address =rat on 'toed do net uce, Street Address Coy, State Ze Cate Ate& Cede and Herne Phone Anneal* and Work Phone Erna (ceeonal) To Pay By Phone 1.800-472.9297 Customer Service 1.877-2583254 24 hours/7 days Lost or Stolen Card 1-800-521.6121 International Collect 1.623-492-7719 Hearing Impaired (9am-Spin EST) 1-800.221.9950 FAX: 1.800.695.9090 In NY: 1-800-522-1897 Large Print and Braille Statements 1.877-258-3254 Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 • To change your address online, visit wvnv.americanexpress.com/updatecontactinlo • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black Ink only in the boxes provided. T- 1- T-TMF Please provideyour e-mail adckessto receive important j account updates and exclusive Cardmember offers and benefits. You mayvisit the American Express Privacy Statement at swnv.americanexpress.conVporacy for more details and to set your email preferences. EFTA01704855 OPEN Savinbr i goThhah PecointHunter Page 3 of 3 Total Savings to Date Savings Since Savings This Period For This Account 0.00 Jan 2006 Through Feb 01 0.00 0.09 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since Jan 2006 AMERICAN EXPRESS GIFT CARDS - GIFTING SOLUTIONS Ongoing $0.00 3% $0.00 $0.00 AT&T - LOCAL AND LONG DISTANCE SMALL BUSINESS CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 COURTYARD BY MARRIOTT - FOR PARTICIPATING HOTELS, VISIT MARRIOTT.COM/OPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 BY MARRIOTT FOR PARTICIPATING HOTELS, VISIT HOTELS, VISIT MARRIOTT.COM/OPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 FEDEX - GROUND, EXPRESS AND Ongoing $0.00 5% 50.00 $0.00 INTERNATIONAL SHIPMENTS FEDEX KINKO'S OFFICE AND PRINT CENTERS - DOCUMENT SOLUTIONS AND BUSINESS SERVICES Ongoing $0.00 5% $0.00 $0.00 HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 HYATT - HOTELS & RESORTS IN THE U.S. AND PUERTO RICO Ongoing $0.00 3% $0.00 $0.00 RUBY TUESDAY - CASUAL DINING Ongoing $0.00 5% 50.00 $0.00 SPRINGHILL SUITES BY MARRIOTT - FOR PARTICIP. HOTELS, VISIT IVARRIOTT.CONVOPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 UNITEDHEALTH ALLIES - HEALTH DISCOUNT CARD MEMBERSHIP Ongoing $0.00 40% $0.00 $0.00 USA TODAY • ALL SUBSCRIPTIONS Ongoing $0.00 10% $0.00 $0.00 WINGATE INNS - HOTELS IN THE U.S. Ongoing $0.00 5% $0.00 $0.00 1-800-FLOWERS.COM • FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your Summary of Accounts page online at www.ameticanexpress.corn/accountsummary. Other Ways To Save! To see a complete rist of partners and ways to save, visa open.americanexpress.comf savings, or call 1.800 NOW OPEN (659-6736) Save 3% when purchasing American Express Gift Cards online at opensavings.comiglftcards Save an extra 5% on purchases from 1-800-FLOWERS.COM Visit opensavings.comillowers. Save 45% on the cover price of USA Today. Visit opensavIngs.comiusatoday. Save 15% co eye catching email campaigns with Constant Contact. Visit openspvings.com/constantoontact. Save 15% on professinal logo design services with Logoworks. Visit opensavings.comlogoworics. EFTA01704856 Total Crecit Line $ 8,200.00 Blue for Business4" DUPLICATE COPY OPEN To manage your Account online, visit us at open. amcricancxpress.com SMALL BUSINESS NETWORK'- New yS EAAdmAnciota and Fnvna .E any 0.00 A000ull Number New eau= S. =5,300.73 Cke...ig 03/02/06 Minimum Amount Due $ 1,720.86 Credit Line Summary on 03/02/06 Available Credit Line $ 2,899.27 Cash Advance Lima; 0.00 Available Cash Limit $ 0.00 Page 1 of 2 Payment Due Date 03/27/06 Minimum Amount Due Includes: Past due amount $1,614.86 The; month's amount due $106.00 Please refer to page 2 for important information regarding your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity "4c'srrouto°s° Total of Payment Activity Amounts 0.00 Amount S Total of New Activity 0.00 Finance Charges Silting days this period: 28 Average Daily Daily Actual ANNUAL Nominal ANNUAL Balance $ Periodic Rate PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGE $ Purchases 0.00 0.0807% 0.00% 29.49% 0.00 Cash Advances 0.00 0.0807% 0.00%• 29.49% 0.00 0.00 Certain of the peri06.0 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. + Prase foil at the portuaton Wow. detach and fain with your mment Payment Coupon PRIFIRMI ~7 RID 208 6 60 IrtltlllrulNlklurltlltuitltltltulltril,,,Irullulu,I,II Amount enclosed Payment Due Date: 03/27/06 Mail Payment to: Total New Balance $ 6,300.73 Minimum Amount Due $1,720.86 AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I Please enter account number on all checks and correspondence. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or telephone number has changed. Please note changes on reverse side. 000530073000172086 02 ri EFTA01704857 DUPLICATE COPY Page 2 of 2 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 electronialy or by phone, please submit your payment in the enclosed envelope wilh the remittance stub attached and accourt number indicated 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 sleeker-logy , at first presentment and any re-presentments, be transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Tour checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments: By using the American Express Pay By Computer, Pay By Phone or any other American Express eledronc 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 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 Service Office or call any local American Express office. Finance Chartres; 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) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid Finance Charges from previous bit ire periods), (2) add any new transactions, debits, or fees (3) subtract any payments or credits, and (4) make any appropriate aciustmen s. For each day after the first day of the billing penoci, we also add an amount of Interest equal to the previous day's daily balance multiplied by the dairy 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, a 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. If you multiplythe 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 tilling period is calculated by adding the Finance Charges assessed on all features of the Account. This method of calCulating the Average Daily Balance aid 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. If you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment due dale, then you will avoid additional Finance Charges on purchases included in the New Balance on this statement. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, in each Instance Increased by 2%. This conversion rice may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be bled at the rates such estabishments use. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visible us on7me at open.americanexpress.com, or you can call us at 1-8001PAY-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 indcated on your statement. If you think your statement, receip4, 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. 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 why you need more information. We will investigate your complaint and corre 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 win have use of the money during thetime hakes usto complete our investigation. Credftor: American Express Bank, FSe. 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 It mom on Iron do nit uso Street Address Cry. Some Zrp cam Ana Cock• and Hama Phone Area Coda and Wort Phone Erna! (*WA To Pay By Phone 1.800-472.9297 Customer Service I.877.2583254 24 hours/7 days Lost or Stolen Card 1-800.521.6121 International Gelled 1£23.492.7719 Hearing Impaired (9arn•Spm EST) TTY: 1-800-221-9950 FAX: 1.800.695.9090 In NY: 1.800522.1897 Large Print and Braille Statements 1-877-258-3254 • Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 • To change your address online, visit www.americanexpress.com/updatecontactInto • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black ink only In the boxes provided. -FTT You may visit the American Express Privacy Statement at vnvw.americanexpress.com/pnvacy for more details and to set your email preferences. Please provideyour e-mail address to receive important account updates and innimil exclusive Cardmember offers and benefits. EFTA01704858 Blue for Business" DUPLICATE COPY To manage your Account online, visit us at open. americanexpress.com OPEN SMALL BUSINESS NETWORK" Ameunt Number Cbrirs wp m 04/03/06 Page 1 of 3 Previous Pafarce S 5,300.73 Total Credit Line $ 8,200.00 New Activity S ineAvnuttrmirs and 0CM S Fmanne Plume d 0.00 New Blame $ =5,300.73 Minimum Amount Due $ 1,826.86 Credit Line Summary on 04/03/06 Available Line 2,899.27 Cash Advance Umit $ 0.00 Available Cash Limit $ 0.00 Payment Due Date 04/28/06 Minimum Amount Due Includes: Past due amount $1,720.86 Tlm. month's amount due $106.00 Please refer to page 2 for important information regarding your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity -1`4"" P"N". Amounts Total of Payment Activity 0.00 Amounts Total of New Activity 0.00 Finance Charges Billing days this penod: 32 Purchases Cash Advances Average Daily Balance $ Daily Periods Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGE $ 0.00 0.00 0.0815% 0.0815% 0.00% 0.00% 29.74% 29.74% 0.00 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. + Akers° kid on Me pertermon tenon a:there reAmierrii your payment 4 Payment Coupon UM NW GERMANTOWN MD 20876 -5960 Mail Payment to: Payment Due Date: 04/28/06 Total New Balance $ 5,300.73 Minimum Amount Due $1,826.86 • Amount enclosed MddllIdahhhUhdhaiffland.Ohlill AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 II.I.,I.I....I.II Please enter account number on all checks and correspondence. Make check payable to American Express. See Finance Charges section on reverse side For a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or telephone number has charged. Please note charges on reverse side. 000530073000182686 02 ri EFTA01704859 DUPLICATE COPY Page 2 of 3 Payments: Payments received after 12:00 noon or on weekends or holidays may not be decided until the not 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). II 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 chedts. 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 wo cannot collect the funds electronically at first presentment,we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments: By using the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express to intlate an eledronic debt to the financial account you specify in the amount you request. To use Pay kL , Computer, please visit us at wwwarriericanexpress.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 crick on the Customer Service Ink online. Outside the U.S. contact the nearest American Express Travel Service °thee or call any local American Express office. Finance Changes: 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 tho Average Daily Balance (as described below) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Banco for each feature, we take the beginning balance for the feature each day (including unpaid Finance Charges from previous biting periods), (2) add any new transactions, debfts, or fees, (3) subtract any payments or creeds, and (4) make any appropiate adrustmen s. For each day after the first day of the billing period, we also add en amount of interest equal to the previous day's daily balance multiplied by the dairy periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, ft is considered to be zero. Then, we add up all the daily balances for the feature for the biting period and divide the total by the number of days in the baling period. This gives us the Average Daily Balance for the feature. 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 rounding. The total Finance Charge for the billing period is calculated by adding the Finance Charges assessed on all features otitis Account. This method of carculeling 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. If you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment Are date, then you will avoid additional Finance Charges on purchases inckidedin the New Balance on this statement. Transactions Made In Foreign Currencies: If you incur a Charge In a foreign currency, it will be converted into US dollars on the date it S processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, in each Instance Increased by 2%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. 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 1-8h0-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 irom you no later than 60 days after we sent you the FIRST tement on which the problem or error appeared. When contacting us: 1. Tell Ls 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 wal investigate r 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. CredRor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative a• e card rates, fees andgrace periods by calling 1.800-518.8866. Change of Address II VOITOCI on if011 do not no 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 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 Large Print and Braille Statements 1.877-258-3254 O Conespondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 • To change your address online, visit www.americanexpress.comtupdatecontaclinfo • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black ink only in the boxes provided. Stott Address Cry. Slat* Zip Code Ana code and Hone Phone Area Code and Woik Phone Ens (optional) nt- T-11- 1- T1- I 1 I 1 I I Please provide your e-mail address to receive important j account updates and exclusive Cardmember offers and benefits. You may visit the American Express Privacy Statement at %WAY. arnericanexpross.corn/pwacy for more details and to set your emai preferences. EFTA01704860 OPEN Savinr§tichitPM b S Page 3 of 3 Total Savings to Date Savings Since Savings This Period Jan 2006 Through' pr 02 For This Account 0.00 0.00 0.00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings SayIn Sgt AMERICAN EXPRESS GIFT CARDS - GIFTING SOLUTIONS Ongoing $0.00 3% $0.00 $0.00 AT&T - LOCAL AND LONG DISTANCE SMALL BUSINESS CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 COURTYARD BY MARRIOTT- FOR PARTICIPATING HOTELS, VISIT MARRIOTT.COMFOPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 FAIRFIELD INN BY MARRIOTT - FOR PARTICIPATING HOTELS, VISIT MARR1OTT.COM/OPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 FEDEX - GROUND. EXPRESS AND INTERNATIONAL SHIPMENTS Ongoing $0.00 5% $0.00 $0.00 FEDEX KINKO'S OFFICE AND PRINT CENTERS - DOCUMENT SOLUTIONS AND BUSINESS SERVICES Ongoing $0.00 5% $0.00 $0.00 HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 HYATT - HOTELS & RESORTS IN THE U.S. AND PUERTO RICO Ongoing $0.00 3% $0.00 $0.00 RUBY TUESDAY - CASUAL DINING Ongoing $0.00 5% $0.00 $0.00 SPRINGHILL SUITES BY MARRIO1T - FOR PARTICIP. HOTELS, VISIT MARRIOTT.COMIOPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 UNITEDHEALTH ALLIES - HEALTH DISCOUNT CARD MEMBERSHIP Ongoing $0.00 40% $0.00 $0.00 USA TODAY - ALL SUBSCRIPTIONS Ongoing $0.00 10% $0.00 S0.00 WINGATE INNS - HOTELS IN THE U.S. Ongoing $0.00 5% $0.00 $0.00 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 $0.00 Full terms and conditions for the offers above are available on your Summary of Accounts online. Log on to www.opensavings.com. Your OPEN Savings totals are updated daily. Other Ways To Save! To see a complete list of partners and ways to save, visit open.americanexpress.comisavings or call 1-800 NOW OPEN (669-6736) EFTA01704861 Total Credit Line $ 8200.00 Blue for Business" DUPLICATE COPY . OPEN To manage your Account online, visit us at open. americanexpress.com SMALL BUSINESS NETWORK'• Net t AMMly Ian AdiuttneMs and Foxe Cho*: I my 0.00 Account Number New Barest •25,300.73 Clahs DO 05/02/06 Minimum Amount Due S 1,932.86 Credit Line Summary on 05/02/06 Available Credit Line $ 2,899.27 Cash Advance Limit $ 0.00 Available Cash Limit $ 0.00 Page 1 of 3 Payment Due Date 05/27/06 Minimum Amount Due Includes: Past due amount $1,826.86 Th4. month's amount due $106.00 Please refer to page 2 for important information regarding your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity MOAN* PONI02 SAN Total of Payment Activity Amountt 0.00 Amounts Total of New Activity 0.00 Finance Charges Billing days this paned: 29 Average Daily Balance $ Daily Actual ANNUAL Nominal ANNUAL Perlocfic Rate PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGE $ Purchases 0.00 0.0815% 0.00% 29.74% 0.00 Cash Advances 0.00 0.0815% 0.00% 29.74% 000 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. Ti Plea* SO cat* perbtato Wow, death sod trowel yo payment + Payment Coupon GERMANTOWN MD 20876-5960 11111III11llul1lulllllutlt1111111JL11LIJ1,JI,Jud111 Mail Payment to: Payment Due Date: 05/27/06 Total New Balance $ 5,300.73 Minimum Amount Due $1,932.86 I • I Amount enclosed OddllidiadddafilkaaJandAhhIl AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 i' 11 1111111111111111„1 I,) l 11111111111111111111111111111111111 Please enter account number on all checks and correspondence. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address of telephone number has changed. Please note changes on reverse side. 000530073000193286 02 rl EFTA01704862 DUPLICATE COPY Pe od F Page 2 of 3 Payments: Payments received alter 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Collars and drawn on a bank !waled 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 electronically , at first presentment and any re-presentments, by 7ransmitling the amount of the check, routng number, account number and check sepal number to your financial institution. Your checking account may be debRed as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue admit 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 Evress to initiate an electronic debit to the financial account you specify in the amount you reqtest. 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, telethon 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 anylocal American Expren °Mee. 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 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 take the beginning balance for the feature each day (including unpaid Finance Charges from previous tiling 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 day of (he billing period, we also add an amount of littered 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 anc 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 dMde the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. 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 wit be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge (or the billing period iscalculated by adding the Finance Charges assessed on all features of the Account. This method of calculating S Average Daffy 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. If you paid the New Balance on your prior statement in full by Is payment due date, and you pay the New Balance on this statement by its payment due date, then you will avoid additional Finance Charges on purchases included in the New Balance on this statement. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is, re greater than (a) the highest official conversion rate published by a government agency, or (b) tte highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, In each Instance Increased by 2%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as arines) will be billed at the rates such establishments use. In Case of Errors or Questions About Your Electronic Transfers: Flease contact us by visiting us online at open.americanexpress.com, or you can call us at 1-800-IPAY-AXP for Pay Ey Phone and Pay By Computer issues, or 1-800-CASH-NOW for Express Cash and automatic payment issues. Ycu 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 tie dollar amount of the suspectederror; 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 cowed any error promptly. If wetake more than 10 business days to do this, we will credit your account for the amount youth:* is in error, so that you wit have use of the money during the time it takes us to oomplete our investigation. CredRo American Evress Bank, FSB. New York residents may contact the New York Banking Department to Chirac: comparative creM card rates, fees and grace periods by calling 1-800-518-8866. Change of Address r torso' on frond 00 riot ace Stitel Acklress Cat slate ro Cods Ana Cods and Wade Phone Ansa Code and Work Phone Ewa (cationen To Pay By Phone 1-800-472-9297 Customer Service 1-877-258-3254 24 hoursr7 days Lost or Stolen Card 1-800-521-6121 International Collect 1-623492-7719 Hearing Impaired (9am-5pm EST) TTY: 1-800-221-9950 FAX: 1-800-695-9090 In NY: 1.800-522.1897 Large Print and Braille Statements 1.877-258-3254 Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 • To change your address online, visit www.americonexpress.corniupdatecontactinfo • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black Ink only in the boxes provided. I _1 You mayvisit the American Express Privacy Statement at www.americanexpress.cem/pnvacy for more detail, and to set your email preferences. Please provide your e-mail add-essto receive important =mom' account updates and exclusive Cardmember offers and benefits. EFTA01704863 OPEN SavinViltaitPgy PI tarot Page 3 of 3 S Total Savings to Date For This Account 0.00 Savings Since Savings This Period Jan 2006 Through May 01 0.00 0.00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since Jan 2006 AMERICAN EXPRESS GIFT CARDS - GIFTING SOLUTIONS May 01, 2006 $0.00 3% $0.00 $0.00 AT&T- LOCAL AND LONG DISTANCE SMALL BUSINESS CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 COURTYARD BY MARRIOTT - FOR PARTICIPATING HOTELS, VISIT MARRIOTT.COMIOPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 FAIRFIELD INN BY MARRIOTT • FOR PARTICIPATING HOTELS, VISIT MARRIOTT.COMIOPENSAVINGS Ongoing $0.00 5% 50.00 $0.00 FEDEX - GROUND, EXPRESS AND INTERNATIONAL SHIPMENTS Ongoing $0.00 5% $0.00 $0.00 FEDEX KINKO'S OFFICE AND PRINT CENTERS - DOCUMENT SOLUTIONS AND BUSINESS SERVICES Ongoing $0.00 5% $0.00 $0.00 HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 50.00 HYATT - HOTELS & RESORTS IN THE U.S. AND PUERTO RICO Ongoing $0.00 3% $0.00 $0.00 RUBY TUESDAY - CASUAL DINING Ongoing $0.00 5% $0.00 $0.00 SPRINGHILL SUITES BY MARRIOTT - FOR PARTICIP. HOTELS, VISIT MARRIOTT.COMIOPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 UNITEDHEALTH ALLIES - HEALTH DISCOUNT CARD MEMBERSHIP Ongoing $0.00 40% $0.00 $0.00 USA TODAY - ALL SUBSCRIPTIONS Ongoing $0.00 10% $0.00 $0.00 WINGATE INNS - HOTELS IN THE U.S. Ongoing $0.00 5% $0.00 $0.00 1.800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 $0.00 Full terms and conditions far the offers abovo aro available on your Summary of Accounts online. Log on to www.opensavings.com. Your OPEN Savings totals are updated daily. Other Ways To Save! To see a complete lest of partners and ways to save, visit open.americanexpress.conilsavings or call 1.800 NOW OPEN (669-6736) EFTA01704864 Blue for Business" DUPLICATE COPY OPEN P000nttrlurrtr, r Closing Date 06/02/06 To manage your Account online, visit us at open. americanexpress.com Page 1 of 3 Pf•Mlit Wawa New /Witty It Attanents and Panamint Actiyty$ Finance Charges any New &Wee $ Minimum Amount Due $ Payment Due Date 06/27/06 5,300.73 0.00 0.00 85.300.73 2,038.86 Minimum Amount Due Includes: Past due amount $1,932.86 This month's amount due $106.00 Credit Line Total Crag Available Credit Cash Advance Available Cash Summary Une $ Line $ Limit $ Umit $ Please refer to page 2 on 06102/06 8,20800 2,899.27 0.00 0.00 for important information regarding your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity •wcx"Pcdrgd'I° Total of Payment Activity Amount 0.00 Amanda Total of New Activity 0.00 Finance Charges Billing days this penod: 31 Average Daily Balance $ Day Actual ANNUAL Nominal ANNUAL Periodic Rate PERCENTAGE PERCENTAGE RATE RATE Periodic FINANCE CHARGE $ Purchases 0.00 0.M92% 0.00% 29.99% 0.00 Cash Advances 0.00 0.0822% 0.00% 29.99% 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. + Please lad on the perSaraton bekw. &ea* ard Trammel pus pa)mert Payment Coupon GERMANTOWN MD 20876 - 5960 Mail Payment to: Payment Due Date: 06/27/06 Total New Balance $ 5,300.73 Minimum Amount Due $2,038.86 Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I Please enter account number on all checks and correspondence. Make check payable to American Express. See Finance Charges section on reverse side for a description of when additional Finance Charges are not assessed on Purchases. Check here if your address or telephone number has changed. Please note changes on reverse side. 000530073000203886 02 rl EFTA01704865 DUPLICATE COPY Page 2 of 3 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 net paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated cn the check. Please do not send post-dated chedz. 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 eledromcaly , at frst 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 presentrnent,we may issue a draft against your account for the amount of thecheck Authorization for Electronic Payments: By using the American Express Pay By Computer, Pay By Phone or any other American Express electronic payment service,you will be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at wunv.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 thine. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. Finance Charqesi 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 describedbetow) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance for each feature, we (1 take the beginning balance for the feature each day (including unpaid 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 adjustmen s. For each day after the fire day of the billing perfocf, we also add an amount of Interest equal to the previous days dally balance multiplied by the dolly periodic rate for the feature. This gives us the daily balance for the feature lot that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days In the billing period. This gives us the Average Daily Balance for the feature. 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 notations caused by rouncing. 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 cakulating the Average Daffy Mance end Finance Charge results In daily compounding of Finance Charges. The minimum Finance Charge for any tiling period in which Finance Charges are imposed is $0.50. If you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment due date, then you will avoid additional Finance Charges on purchases included in the New Balance on this statement. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion dale or the prior business day, In each Instance increased by 2%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. 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 you 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 orerror appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; & 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 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 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 or: creth card rates, fees and grace periods by calling 1-8430-518-8866. Change of Address ir correct on trod do not use Street Addrea; City, State Be Code Area Code and Home Phone Area code and Wod Phone Enrol itaiOnd) 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 I.623.492.7719 Hearing Impaired (9am-5pm EST) ITV: 1-800.221.9950 FAX: 1.800-695.9090 In NY: 1-800-522-1297 Large Print and Braille Statements 1-877-258- 54 O Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 . Payments PO BOX 360002 FT LAUDERDALE FL 33.1.1s-oo62 • To change your address online, visit www.americanoxpress.com/updatecontactinfo • For Namo or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black Ink only In the boxes provided. U Pease provide your e-mail addessto receive important account updates and exclusive Cardmember offers and benefits. You mayvisit the American Express Privacy Statement at wwwamericanexpress.com/pnvacy for more details and to set your email preferences. EFTA01704866 OPEN SavinrfiTAFIPAii)iy Pogo 3 of 3 S Total Savings to Date Savings Since Savings This Period For This Account 0.00 Jan 2006 0.00 Through Jun 01 0.00 Program End Date Transactions This Period Discount % or Credit Savings This Pen oci SavinsSgg Jan AMERICAN EXPRESS GIFT CARDS - GIFTING SOLUTIONS Ongoing $0.00 3% $0.00 $0.00 AT&T - LOCAL AND LONG DISTANCE SMALL BUSINESS CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 COURTYARD BY MARRIOTT - FOR PARTICIPATING HOTELS, VISIT MARRIOTT.COIWOPENSAVINGS Ongoing $0.00 5% 50.00 $0.00 FAIRFIELD INN BY MARRIOTT - FOR PARTICIPATING HOTELS, VISIT MARRIOTT.COM/OPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 FEDEX - GROUND, EXPRESS AND INTERNATIONAL SHIPIAENTS Ongoing $0.00 5% 50.00 $0.00 FEDEX KINKO'S OFFICE AND PRINT CENTERS - DOCUMENT SOLUTIONS AND BUSINESS SERVICES Ongoing $0.00 5% $0.00 $0.00 HERTZ - CAR RENTALS Ongoing 50.00 5% $OSO $0.00 HYATT - HOTELS & RESORTS IN THE U.S. Ongoing $0.00 3% $0.00 $0.00 RUBY TUESDAY- CASUAL DINING Ongoing $0.00 5% $0.00 $0.00 BY MARRIOTT - FOR PARTICIP. HOTELS, VISIT HOTELS, VISIT MARRIOTT.CONVOPENSAVINGS Ongoing $0.00 5% $0.00 $0.00 UNITEDHEALTH ALLIES - HEALTH DISCOUNT CARD MEMBERSHIP Ongoing $0.00 40% $0.00 $0.00 USA TODAY - ALL SUBSCRIPTIONS Ongoing $0.00 10% $0.00 $0.00 WINGATE INNS - HOTELS IN THE U.S. Ongoing $0.00 5% $0.00 $0.00 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 $0.00 y EFTA01704867 Payment Coupon T-' -5 A BAGEL Mad Pay; it to: _Itersallaretra. 4897-1450 Payment Due Date: Piease enter =curt apnea number on ail checks and correspondence. .7.. Matra died( payable b American Express. • To escort additional Finance Charges on Purchases, Pay the New Balance before the Payment Due Date. Chad( here it actress or telephone number ha changed. Note charges on reverse wcie. Total New Balance 81,0'38.06 _ . . illtilinunt Amount Doe $22_00 • • Mount enansed HJJNAIMAJAWAHAIMAJAJW AMERICAN EXPRESS - PO BOX 360002 --- • FT LAUDERDALE FL'33336-0002 -. IIIllIIIIrulIurlIrrllnlIrtrlluIII I HI I HUH I 000104806000002200 02. r$ EFTA01704868 . • . Change of Address mrrmt mamma • ,dormius Compitsy Sean Mess& • • • dr. Site A.1611Cacie rd ' Homo Pncnn ' Anutemlo " • Walt Phone Ems • ".. *: • • • • •i.A • • . • • • • • • • , • • • • Providing your email ackben to American Express will °nab. you toreceivespecial offers, ' Suited toss needs. EFTA01704869 QEBRDi REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CUSTOMER BANK: BRANCH BNKGIPPIII! COMPANY AMOUNT: $ 33.00 A STED PRESENTMENT STATUS: PAID PRESENT SEQ#: 0000 ACH: Y CAPTURE CENTER : SROC ORIGINAL ABA* : RETURN REASON : DEPOSITORY BANK: JPMORGAN CHASE MAKER NAME CHECK# : 1836 TRACE# : PROC DATE: POSTED AMOUNT 33.00 PRESENTMENT DATE: 09/24/2004 BOOK#: 002908 AUX CHECK*: PAYMENT TYPE : PAPER ORIGINAL DDA#: BANK, NA RETURN SEQ# : 0000 RETURN DATE : DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN 10. EFTA01704870 QEBRD1 REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CHECK# : 1818 CUSTOMER BANK: BRANCH BNKGRIFIRI COMPANY TRACE# AMOUNT: $ 25.00 PROC DATE: ACCOUNT NUMBERS POSTED PRESENTMENT STATUS: PAID PRESENT SEQ#: 0000 ACH: Y CAPTURE CENTER : SROC ORIGINAL ABA# : RETURN REASON : DEPOSITORY BANK: JPMORGAN CHASE BANK, MAKER NAME POSTED AMOUNT 25.00 PRESENTMENT DATE: 08/21/2004 BOOK#: 001142 AUX CHECK#: PAYMENT TYPE : PAPER ORIGINAL DDA#: NA RETURN SEQ# : 0000 RETURN DATE : DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704871 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 AB4#: DDA#: CHECK# : 0000 CUSTOMER BANK: BRANCH BNKG1/11,11 COMPANY TRACE* : 1111 AMOUNT: $ 50.00 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 50.00 PRESENTMENT STATUS: PAID PRESENT SEQ#: 0000 ACH: N CAPTURE CENTER : SROC ORIGINAL ABA# : PRESENTMENT DATE: 07/11/2004 BOOK#: 008053 AUX CHECK#: 1185 PAYMENT TYPE : PAPER ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: BANK OF AMERICA, NA RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704872 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: Rpm CUSTOM BRANCH BNKG COMPANY AMOUNT: $ 600.00 CHECK# : 0000 TRACE# : PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 600.00 PRESENTMENT STATUS: PAID PRESENT SEQ#: 0000 ACH: N CAPTURE CENTER : SROC ORIGINAL ABA# : PRESENTMENT DATE: 06/16/2004 BOOK#: 008093 AUX CHECK#: 1151 PAYMENT TYPE : PAPER ORIGINAL DDA#: RETURN REASON : RETURN SEQ# DEPOSITORY BANK: BANK OF AMERICA, NA RETURN DATE MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN 0000 EFTA01704873 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CUSTOMilitlir I BRANCH BNKGFT11,1 COMPANY AMOUNT: $ 400.00 ACCOUNT NUMBERS POSTED • PRESENTMENT STATUS: PAID PRESENT SEQ#: 0000 ACH: N CAPTURE CENTER : SROC ORIGINAL ABA# : RETURN REASON : DEPOSITORY BANK: BANK OF AMERICA, NA MAKER NAME CHECK* : 0000 TRACE# : PROC DATE: 5 ..] ./ POSTED AMOUNT 400.00 PRESENTMENT DATE: 05/21/2004 BOOK#: 008307 AUX CHECK#: 1118 PAYMENT TYPE : PAPER ORIGINAL DDA#: RETURN SEQ# : 0000 RETURN DATE : DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704874 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CUSTOMII IIII I BRANCH BNKGIFRIt COMPANY AMOUNT: $ 600.00 ACCOUNT NUMBERS POSTED PRESENTMENT STATUS: PAID PRESENT SEQ#: 0000 ACH: N CAPTURE CENTER : SROC ORIGINAL ABA# : RETURN REASON : DEPOSITORY BANK: BANK OF AMERICA, NA MAKER NAME CHECK# : 0000 TRACE# PROC DATE: 04 POSTED AMOUNT 600.00 PRESENTMENT DATE: 04/21/2004 BOOK#: 008233 AUX CHECK#: 1075 PAYMENT TYPE : PAPER ORIGINAL DDA#: RETURN SEQ# : 0000 RETURN DATE : DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704875 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CUSTOP IW I BRANCH BNKGIIIPM, COMPANY AMOUNT: $ 400.00 ACCOUNT NUMBERS POSTED PRESENTMENT STATUS: PAID PRESENT SEQ#: 0000 ACH: N CAPTURE CENTER : SROC ORIGINAL ABA# RETURN REASON : DEPOSITORY BANK: BANK OF AMERICA, NA MAKER NAME CHECK# : 0000 TRACE# PROC DATE: !!!!!!!!!!IIIII POSTED AMOUNT 400.00 PRESENTMENT DATE: 03/20/2004 BOOK#: 008076 AUX CHECK*: 1023 PAYMENT TYPE : PAPER ORIGINAL DDA#: RETURN SEQ# : 0000 RETURN DATE : DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 6-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704876 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CHECK# : 0000 CUSTOMPIRWEAGLEBANK TRACE# AMOUNT: $ 50.55 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 50.55 PRESENTMENT STATUS: PAID PRESENT SEQ#: 0000 ACH: N CAPTURE CENTER : SROC ORIGINAL ABA# : PRESENTMENT DATE: 02/20/2004 BOOK#: 008026 AUX CHECK#: 1684 PAYMENT TYPE : PAPER ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: BANK OF AMERICA, NA RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704877 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CUSTOMER BANK: EAGLEBANK AMOUNT: $ 31.06 CHECK# : 0000 TRACE# PROC DATE: 15 2003 ACCOUNT NUMBERS POSTED POSTED AMOUNT 31.06 PRESENTMENT STATUS: PAID PRESENT SEQ#: 0000 ACH: N CAPTURE CENTER : SROC ORIGINAL ABA# : PRESENTMENT DATE: 08/15/2003 BOOK#: 008160 AUX CHECK#: 1379 PAYMENT TYPE : PAPER ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: BANK OF AMERICA, NA RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704878 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABAL: IIIIIIIIII DDA#: CUSTOMRITiTO 7 KTEAGLEBANK AMOUNT: $ 23.92 CHECK* : 0000 TRACE# : PROC DATE: 01 .3 1 AC OUNT NUMBERS POSTED POSTED AMOUNT 23.92 PRESENTMENT STATUS: PAID PRESENT SEQ#: 0000 ACH: N CAPTURE CENTER : SROC ORIGINAL ABA# : PRESENTMENT DATE: 01/16/2004 BOOK#: 008193 AUX CHECK#: 1636 PAYMENT TYPE : PAPER ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: BANK OF AMERICA, NA RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704879