EFTA01704693

QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: CHECK# : 0000 CUSTOMIPPIPICITIBANK, N.A. TRACE# : AMOUNT: $ 9,239.88 PROC DATE: M illit a ACCOUNT NUMBERS POSTED POSTED AMOUNT 9,239.88 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 01/29/2005 PRESENT SEQ#: 0000 ACH: N BOOK#: AUX CHECK*: CAPTURE CENTER : WROC PAYMENT TYPE : PAY BY COMPUTER ORIGINAL ABA# : ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704693 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1230W$6 S-GCSA-10 06/20/07 31129389532% 0000000000000000000000000100 9999003712/26/2004437974513000000000 ABA.: CHECK! : 0000 CUSTOMER BANK: CITIBANK, N. TRACER : 200412241300000 AMOUNT: $ 4,303.21 PROC DATE: 12/23/2004 ACCOUNT NUMBERS POSTED POSTED AMOUNT 4,303.21 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 12/23/2004 PRESENT SEQ!: 0000 ACE: N BOOK!: AUX CHECK!: CAPTURE CENTER : WROC PAYMENT TYPE : PAY BY COMPUTER ORIGINAL ABA! ORIGINAL DDAV: RETURN REASON : RETU 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 48 End of Record 48 End of Record 48 EFTA01704694 QEBRD REPOSITORY DETAILED RESULTS R0300MBRD 1230W$& S-GCSA-10 06/20/07 37129389532% 0000000000000000000000000(00 9999003611/16/2004413947095000000000 ASAP: ODA. CHECK1 : 0000 CUSTOM CITIBANK, TRACES 111111.11M AMOUNT: $ 2,898.26 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 2,898.26 PAID PRESENTMENT DATE: 11/13/2004 PRESENT SEQ#: 0000 ACM: N BOOK#: AUX CHECKM: CAPTURE CENTER : WROC PAYMENT TYPE : PAY BY COMPUTER ORIGINAL ABA* : ORIGINAL DDA#: RETURN REASON : RETURN SEQI : 0000 DEPOSITORY BANK: RETURN DATE MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRI4 10-SCROLL UP 11-SCROLL DOWN End of Record 49 End of Record 49 ****** End of Record 49 EFTA01704695 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 123006 S-GCSA-10 06/20/07 371293895324 0000000000000000000000000(00 9999003510/19/2004397568877000000000 ABA4: ODA,: CHECK* : 0000 CUSTOMER BANK: CITIBANK, N.A. TRACE4 AMOUNT: $ 934.39 PROC DATE: 1. 111 01 4 ACCOUNT NUMBERS POSTED POSTED AMOUNT 934.39 PR S: PAID PRESENTMENT DATE: 10/17/2004 PRESENT SEW(' 0000 ACM: N BOOKI: AUX CHECK*: CAPTURE CENTER : *ROC PAYMENT TYPE : PAY BY COMPUTER ORIGINAL ABA4 : ORIGINAL DOA*: RETURN REASON RETURN SEQI : 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 50 End of Record 50 ****** End of Record SO EFTA01704696 QEBRO REPOSITORY DETAILED RESULTS R0300EBRD 1230104 S-GCSA-10 06/20/07 37129389532% 0000000000000000000000000(00 9999003409/24/2004383421255000000000 ABA4: DDAN: CHECKS, : 0000 CUSTOMER BANK: CITIBANK, N.A. TRACES, AMOUNT: $ 9,134.85 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 9,134.85 P 3: PAID PRESENTMENT DATE: 09/22/2004 PRESENT SEAN: 0000 ACM: N BOOK#: AUX CHECK#: CAPTURE CENTER : WROC PAYMENT TYPE : PAY BY COMPUTER ORIGINAL ABA4 : ORIGINAL DDAf: RETURN REASON : RETURIM. 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 51 ***** End of Record 51 End of Record 51 EFTA01704697 QEBRD REPOSITORY DETAILED RESULTS R030QEBRD 123011$8 S-GCSA-10 06/20/07 37129389532i 0000000000000000000000000100 9999003308/28/2004368607398000000000 AINTAIIIIIII MAI: CHECK, : 0000 COS : CITIBANK, N.A. TRACE! :IMINAM AMOUNT: $ 7,277.63 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 7,277.63 PRNIIII IIIRS: PAID PRESENTMENT DATE: 08/26/2004 PRESENT SEQA: 0000 ACH: N BOOK.: AUX CHECK!: CAPTURE CENTER : WROC PAYMENT TYPE : PAY BY COMPUTER ORIGINAL ABA! : ORIGINAL ODA.: RETURN REASON : MUM" 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME : DEROG . REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS S-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 52 End of Record 52 End of Record 52 EFTA01704698 OEBRD REPOSITORY DETAILED RESULTS 11030QEBRD 1230W$4 S-GCSA-10 06/20/07 371293895321 0000000000000000000000000(00 9999003207/21/2004346409431000000000 ABA4: DDAII CHECK! : 0000 CUSTOMER BANK: CITIBANK, N.A. TRACE! AMOUNT: $ 4,574.18 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 4,574.18 PRIMPII IMIL: PAID PRESENTMENT DATE: 07/20/2004 PRESENT SEQI: 0000 ACH: N BOOK!: AUX CHECK*: CAPTURE CENTER : WROC PAYMENT TYPE : PAY BY COMPUTER ORIGINAL ABA4 : ORIGINAL DDAM: RETURN REASON : RETURN MI li 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PPK: 4-QEBRS 5-0EBRR 7-QEBRN 10-SCROLL UP 11-SCROLL DOWN End of Record 53 End of Record 53 End of Record 53 EFTA01704699 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1230W$& S-GCSA-10 06/20/07 371293895328 0000000000000000000000000{00 9999003106/18/2004327341453000000000 ABAS: DDAI: CHECK* : 0000 CUSTOMER BANK: CITIBANK, N.A. TRACE/ IFIREM AMOUNT: $ 4,252.38 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 4,252.38 PRININWS: PAID PRESENTMENT DATE: 06/16/2004 PRESENT SECS: 0000 ACE: N BOOKS: AUX CHECKS: CAPTURE CENTER : NROC PAYMENT TYPE : PAY BY COMPUTER ORIGINAL ABAS : ORIGINAL ODA': RETURN REASON : RETURN!" 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PER: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 54 ***** End of Record 54 ****** End of Record 54 EFTA01704700 QEBRD REPOSITORY DETAILED RESULTS R030QEBRD 12301(66 S-GCSA-10 06/20/07 37129389532% 0000000000000000000000000(00 9999003005/22/2004312338910000000000 ABA#: DOA*: CHECK* : 0162 CUSTOMIII IIIIIICITIBANK, NIIIIIIII TRACES AMOUNT: 6,018.69 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 6,018.69 PAID PRESENTMENT DATE: 05/21/2004 PRESENT SECS: 0000 ACH: N BOOK*: 0147 AUX CHECK,: CAPTURE CENTER : NJREM PAYMENT TYPE : PAPER ORIGINAL ABAI : ORIGINAL DDAI: RETURN REASON : RETUSIR 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DONN End of Record 55 End of Record 55 ****" End of Record 55 EFTA01704701 QEBRD REPOSITORY DETAILED RESULTS R0300EBRD 1230056 S-GCSA-10 06/20/07 37129389532% 0000000000000000000000000(00 9999002904/24/2004296013294000000000 ABAI: DDAI: CHECKV : 0161 CUSTOMER DANK: CITIBANK, N.A. TRACE* : AMOUNT: 5 1,895.10 PRIM DATE: 1. 11 ACCOUNT NUMBERS POSTED POSTED AMOUNT 1,895.10 PRIIIMARINIS: PAID PRESENTMENT DATE: 04/23/2004 PRESENT SEQI: 0000 ACH: N BOOK*: 0138 AUK CHECK*: CAPTURE CENTER : NJELEM PAYMENT TYPE : PAPER ORIGINAL ABA. : ORIGINAL DOA*: RETURN REASON : REMA IN/I' 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-0EBRI4 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 56 ***** End of Record 56 ****** End of Record 56 EFTA01704702 OEBRD REPOSITORY DETAILED RESULTS R03011EBRD 1231W116 S-GCSA-10 06/20/07 37129389532% 0000000000000000000000000100 9999002803/24/2004277976719000000000 ABAI: CUSTOM AMOUNT: $ IN ODA!: :CITIBANK, 2,253.19 CHECK! TRACE! PROC DATE: fimim : 0159 : ACCOUNT NUMBERS POSTED POSTED AMOUNT 2,253.19 PAID PRESENTMENT DATE: 03/23/2004 PRESENT SEAM: 0000 ACH: N BOOK!: 0081 AUX CHECK!: CAPTURE CENTER : NJREM PAYMENT TYPE : PAPER ORIGINAL ABA! : ORIGINAL DDA4: RETURN REASON : RETURN PP 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 57 End of Record 57 End of Record 57 EFTA01704703 QEBRD REPOSITORY DETAILED RESULTS R030QEBRD 1231WAIS S-GCSA-10 06/20/07 37129389532% 0000000000000000000000000(00 9999002702/21/2004258931014000000000 ABAN: DDA1:1,11IIIII CHECK% : 0158 CUSTOMER BANK: CITIBANK, TRACE% AMOUNT: S 2,957.04 PROC DATE: 1.11 4 ACCOUNT NUMBERS POSTED POSTED AMOUNT 2,957.04 PAID PRESENTMENT DATE: 02/20/2004 PRESENT SEQI: 0000 ACM: N BOOKI: 0132 AUX CHECKV: CAPTURE CENTER : NJREN PAYMENT TYPE : PAPER ORIGINAL ABAI : ORIGINAL ODA*: RETURN REASON ; RETORT"' 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-0EBRS 5-QEBRR 7-0EBRM 10-SCROLL UP 11-SCROLL DOWN "*" End of Record 58 End of Record 58 End of Record 58 EFTA01704704 QEBRD REPOSITORY DETAILED RESULTS R030QEBRD 1231W1:6 S-GCSA-10 06/20/07 37129389532% 0000000000000000000000000(00 9999002601/22/2004241903772000000000 ABA! * IIII DDAI: CHECK! : 0156 CUS NK: CITIBANK, TRACEi AMOUNT: 2,762.59 PROC DATE: IPPR IM M ACCOUNT NUMBERS POSTED POSTED AMOUNT 2,762.59 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 01/21/2004 PRESENT SE04: 0000 ACH: BOOK!: 0161 AUX CHECK!: CAPTURE CENTER : NJREM PAYMENT TYPE : PAPER ORIGINAL AEA! : ORIGINAL DOA.: RETURN REASON : RETURN 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN ***** End of Record 59 End of Record 59 End of Record 59 EFTA01704705 QEBRD REPOSITORY DETAILED RESULTS R03011BORD 1231106 S-GCSA-10 06/20/07 371293895321 0000000000000000000000000(00 9999002101/19/2004236105345000000000 ABA4: DDA4: CHECK(' : 0146 CUSTOM CITIBANK, H. . TRACE* AMOUNT: $ 1,030.49 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 1,030.49 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 08/24/2003 PRESENT SE04: 0000 ACM: N 80010: 2603 AUX CHECK,: CAPTURE CENTER : NYRCS PAYMENT TYPE : PAPER ORIGINAL ABA4 : ORIGINAL DWI: RETURN REASON : RETURM IL. DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFR: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN End of Record 60 End of Record 60 End of Record 60 EFTA01704706 DUPLICATE COPY "1"vitt_mk,vt331a ,ardse Blue for Business'~ OPEN raprimersmii IPOSibSAvaliabie SMALL BUSINESS NETWORK" 1164.02***0**11452.0TheK0 andilltiOar Melina (WOW standing. Pr For Axounl Nurixt awing Endo 01/02/04 Page 1 of 5 New Ad* $ Adhatnerts alb Minimum Payment Due Date Previous Relame S $ Fenstee Cher I ary New Bata $ Amount Due S 01/27/04 0.00 +23.92 -23.92 • • is.po. Please refer to page 2 for important information regarcing your account Credit Line Total Credt Available Credt Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 01/02/04 11,300.00 11,276.08 2,300.00 2,300.00 To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity nfiessP" thads Amount S Total of Payment Activity 0.00 Amounts te 12/17/03 r MONTGOMERY COUNTY DLGERMANTOWN MD 23.92 PACKAGE STORE/UOUOR ROC No. 0000000183 0% INTRO RATE Total of New Activity 23.92 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this period: 31 Balance $ Periods Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGES Purchases 0.00 0.0383% 0.00% 13.99% 0.00 Cash Advances 0.00 0.0520% 0.00% 18.98% 0.00 0.00 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Remember, your introductory rate applies for all new purchases for your first 6 months of membership. + Pros.° NU co the potato,tee, caw, and ;Mum will me mown + Payment Due Date: Please enter account Payment Coupon 01/27/04 number on al checks and correspondence. Total New Balance Make check payable to $ 23.92 American Express. Minimum Amount Due To avoid additional $15.00 Finance Charges on Purchases, pay the New 7-1450 Balance before the Payment Due Date. I„ItIII,tilt,1,l„tlltttlt,tlltlrtltltltlirrtirrl,rlrrlrlrrll • Check here if address or I telephone minter has Amount enclosed changed. Note changes on reverse side. Mail Payment to: AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 Illit tilli lit ir I I I ill luIll rill III 000002392000001500 02 rl EFTA01704707 DUPLICATE COPY EMs Pr carry Page 2 of 5 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments,by transmitting To Pay By Phone the amount of the check, routing number, account number and check serial number to your financial institution. Your 1-800.472.9297 checking account may be debited as soon as the same day we receive your payment. If we can not collect the funds electronically at first presentment we may issue a draft against your account for the amount of the check. Customer Service Authorization for Electronic Payments: By using the American Express Pay By Computer Pay By Phone or any 1-877-258-3254 other American Express electronic payment service, you will be authorizing American Express to Initiate an 24 hoursf7 days electronic debt to the financial account you specify in the amount you newest. To use Pay B.y Computer, please visit us at www.arnericanexpresscom. Lost or Stolen Card 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 1-800-521-6121 Travel Service Office or call anylocal American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily international Collect Balance method to calculate Finance Charges on your Account. Under ars method,we figure the Finance Charges on your 1.623.492-7719 Account by applying the daily periodic rate to the Average Daly Balance (as describedbelow) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Hearing Impaired Average Daily Seance for each feature, we (1) take the beginning balance for the feature each day (including unpaid (9am-5pm Finance Charges from previous billing periods), (2) add any new transactions, debits, or fees (3) subtract any payments or 1TY: 1-800EST) -221-9950 credits, anc1(4) make any appropriate adjusts,* .For each day after the first day of the billing pencid, we also FAX: 1400-695-9090 add an amount of interest equal to the previous days daily balance multiplied .by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for In NY: 1-800-522-1897 the next day. If this balance is negative, i is considered to be zero. Then, we add up all the daily balances for the feature for the biting period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Cue Date shown on that statement. If you multi* the Average Daly Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge Correspondence assessed on that feature, except for variations caused by rounding. The total Finance Charge for the tiling period caictiated Py gang the Finance Charges assessed on an features of the Account. This method of calculating the Customer Service Average Dray Balance and Finance Charoi results in daily compoundingof Finance Charges. The minimum P.O. Box 7883 Finance Charge for any billing periodin which Finance Charges are imposed is $0.50. Ft. Lauderdale, FL In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at 33329.7863 open.americanexpess.com, a you can call us at I -800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Payments Operations address imitated on your statement. II ycu think your statement, receipt, or transaction is wrong, PO BOX 360002 please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST FT LAUDERDALE statement on which the problem or error appeared. FL When contacting us: 1. Tell us your name and account number; 2. Provide the dolar amount of the suspected error, 33336-0002 3. Describe the error or the transfer you are unsure of, and explain as (teeny as you can why you believe there is an error or whyyou need more information. We will investigate scour complaint and cared any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative listing of credtcard rates, fees and grace periods by calling 1-800-518-8866. Changer of Addrezz If correct on [tort r do not use Name Company Name Street Address ay. S1210 II Zip Cede Providing your email Ares Code and address to American Hare Phone I I Express will enable you Area Code and n I to receive special offers, j Work Phone suited to your needs. Email EFTA01704708 MembeNfilffillefiliffis Options' Monthly Statement and Page 3 of 5 Program News A, Expredia• For questions about your Statement Period r?"`,; .. A CM Membership Rewards account, November 1, 2003 - November 30, 2003 contact 1-800-AXP-EARN. Account activity after this period does not appear on this statement [II RR5 (297-3276) Available Points wvAv.amedcanexpress.conVrewards 433 American Express Membership Rewards PO Box 297813 Points are availatie when charges are paid in full and all your accounts are in Ft. Lauderdale, FL 33329.9785 good staid% Account Summary Opening points balance 111. New points earned +322 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 433 New Points Earned 11/01/03 - 11/30/03 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 322 0 322 Mai Totals 322 0 322 Perntershp Amu& Optiens po14 earned may bo Strewed or redeemed St bog as ad odndal Cad accoura ace in good elarang Feat irombried Ce toderencdOWIAC4 be mimed back into the plegtarfi. Forfeited points can be ritinetited tore he by calling the number provided below. Elgigie Cad <huge, are outined in the Wombershp Amer& Optima pogrom Tema and Carob:as in war Merrbeethip Ronnie,' C;dons CLAdo. d ye° bare qualara ple.vve van wvneaunerieenexprestoorntmemberehiptewardeoplons of all 1 -903-AXP-EAFIN (2973276). Fran weneca calcolea 34:6416-2799. Earn More! New ways to earn points. IMPORTANT NOTICE OF MEMBERSHIP REWARDS OPTIONS® PROGRAM CHANGES AMC:testa eirri far For each transfer of points into the Frequent Flyer program of Please note important ME m p. EACALe a US airline, a fee of $0.0004 per two points, with a maximum program changes. fee of $50, will be charged to your Card account. We charge Ri g :0 1 this fee to offset the federal excise tax we must pay on such (MR Message 1290) transfers. The fee may be more or less than the actual amount of the excise tax we pay on any individual transfer. IMPORTANT NOTICE OF MEMBERSHIP REWARDS® PROGRAM CHANGES AMC% itan er DI ea, Effective March 15, 2004, 1) the fee to reinstate points Please note important forfeited for late payment will increase to $29 for each month program changes. of points reinstated, 2) for Cardmembers who cancel their Membership Rewards enrollment (or all Card Accounts (MR Message 6288) enrolled in the program), but still have one Card account open, the time period to redeem accrued points will change from 6 months to 30 days, 3) for each Corporate Card linked to a Membership Rewards account with another enrolled charge Card, the additional annual fee will increase to $35. 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. EFTA01704709 American Express• COPY 2ve,1 :4 `,..MEMBERSHIF: jfn Page 4 of 5 VHABARu Virus Protection and Sx Pts from Computer Associates Help protect your computer from those nasty viruses and Get virus protection plus hackers with eTrust'" EZ Armor^. Security Suite from earn 5x points from Computer Associates at Computer Associates, PLUS earn 5x Membership Rewards® taww.my-etrust.com/ points when you use your Card and order from americanexpressrewards ComputerAssociatese www.my-etruslcom/americanexpressrewards. Includes a full range of antivirus,firewall and privacy features with (Bonus ID 3591) automatic updates and adjustable protection. Ceti v89310( putehason ton www.mtetrustsom Iran 1B1/03-531/01. TO la etude to *an bonus pals sap mast be pstd'of new Alflorshp Rewatds st lane of patellae ma Pape yam purchase to an erptsies enteCal Arnencantlarma Cast parts wit be Masa 10 pat account *thin 6-8 weeks ea chines veer co yam tam *.Smarm Banes ID: 3591. 10x Points at FTD.COM® This Valentine's Day! Find the perfect way to show how much you care this Shop at Valentine's Day with specially designed FTD® bouquets ftd.corniamexpromo and earn 10x Points. FTD.COM including roses starting at just $39.99, gift baskets, teddy bears and other fine gifts. Plus, earn 10x Membership (Bonus ID 1675) Rewards® points when you shop at www.ftd.com/amexpromo. Cate ends 133124. Carrot to cantina:I van dam alas or spePa: pandas. Na valet co Disney*. pcdxts. To be .3BI:tab's= Pods pain ,w trust be etveiled N He atentorshp Ressotdo western al itts ism d pachase and char your pu:cheoe to as etatte: *polled ArreeMen Espana Cod Bonus points v.41 to addled to pour xcounl w*,n 10-12 weeks. Bonus ID: 1675. Australia- 8-Night Vacations from $1,299 If you dream of an exciting vacation, redeem Membership Visit amerloanexpress. comfrewards or call LQANTAS Spirit of Australia Rewards® points for flights to Australia or take advantage of 1-800-AXP-EARN some fabulous 8-night vacation starting from $1,299. You (297-3276) to redeem can choose from packages including Sydney and either the Membership Rewards Great Barrier Reef, Melbourne, Adelaide/Kangaroo Island, points. the Outback or Brisbane. All packages include roundtrip air (MR Message 9006) from Los Angeles, air within Australia and 8 nights of accommodations. For package information, call an Australian Travel Expert at 1-877-346-5225 or visit Australla.com. A Gift Certificate Lets You Choose Lands' End® is a global direct merchant of classically styled Redeem Membership apparel for men or women for work or weekend, apparel and Rewards') points today for a Lands' End gift LANDS' END DIRECT MERCHANTS other products for children, plus soft luggage and products for the home. To request a Lands' End catalog, call 1-800- certificate. Visit vamemericanexpress. 356.4444 or visit our Web site at www.landsend.com. corn/rewards or call 1.600-ACP-EARN (297-3276) (MR Message 6069) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704710 DUPLICATE COPY Mons DAD Page 5 of 5 01/02/04 OlStotnExtrar Save on Travel While Earning Membership Rewards® Points Discover the new benefits of being part of the OPEN Explore the new OPEN Network Online Travel Web site—it is easy to Network and book your use and can save you money. When you book your trip with your next trip online at Business Card at open.americanexpress.com/businesstravel you open.amerIcanexpress. comnousinesstravel will enjoy exclusive savings of up to 20%* off domestic flights, be able OPEN SMALL BUSINESS NETWORK' to purchase tickets with low cost carriers, and earn TRIPLE Membership Rewards points on all airline tickets. (CE 104117) 'Additional Terms and Conditions apply. — Otter applies to purchases made between 10/01/03 - 03/31/04. To be eligible to earn bonus points, you must be enrolled in the Membership Rewards program at the time of purchase. Purchases must be made on an enrolled American Express" Card. Bonus pokes will be credited to the account in 10-12 weeks after charges appear on your monthly tilling statement. Bonus ID: 4379. Save 30% on Business Incorporation & Related Services To leant more about Business Filings' offerings Business Filings provides you with everything you need to easily form and to take advantage of a corporation, LLC, or nonprofit in any state. If your company is the exclusive 30% expanding, and you need to register to transact business in other discount offered to states, Business Filings can prepare and file your certificate of members of OPEN: The Small Business authority. Business Filings also provides registered agent services, Network", log on to Business federal EINs, and can help prepare the necessary form to elect S openemerIcanexpress. corporation status. comnsizfillngs12 Filings Business Filings Incorporated Is an incorporation service provider, not a law firm and (CE 104157) cannot provide legal advice. State filing fees excluded from discount. Discount requires payment with an American Express" Business Card. Offer and participation subject to change without notice. Get a $10,000 to $100,000 Line of Credit Call 1-800.276.2504 to apply. Or for more There are so many things that can require a quick infusion of cash. information, visit Luckily, as a member of the OPEN Network, the Business Capital Line open.amerIcanexpress. is there for you. Whether you're looking to invest in new office comillneofcreditrapply equipment, or just make payroll, the Business Capital Line is a great OPEN WAIL BUSINESS IIETWOBW way to give your business the flexibility to handle almost anything. The application is simple and takes less than ten minutes to (CE 104119) complete. And best of all, NO collateral is required and 100% of your line is available as cash. Apply today. Subject to credit approval, not all customers may qualify. All applicants must have been in business for at least 2 years. Once approved the status of your account will be reviewed annually. Upon review you may be contacted to provide adcitional information. Maximize Savings. Consolidate Expenses. To apply or for further information, call By adding Cards for your employees to your Account, you can 1.877.770.2639. consolidate virtually all of your business purchases onto one statement. Plus, with Expense Management Reports you can track (CE 104112) spending by employee and category, which can be especially OPEN SMALL BUSINESS NETWORK' beneficial during tax season. Additional Cards can also increase your savings when your employees use their Card at our Everyday Savings* participants where they will enjoy the same ongoing savings as you do. To apply or for further information, call 1-877-770-2639. •Terms and Conditions apply. Use your Card and Help Re-Open the Statue of Liberty! Use your American Express' Business Card The Statue of Liberty needs funding to make security upgrades and help re-open the before she can be re-opened to the public. At OPEN: The Small Statue of Liberty. Business Network°. from American Express, we've made it easy for you to help—every time you use your Business Card throughout (CE 104115) OPEN SWILL BUSINESS NETWORK" December and January, a donation will be made to the Statue of Liberty-Ellis Island Foundation.* •American Express will donate up to $2,500,000 to The Statue of Liberty Foundation, inc. based on one cent per eligible Card purchase between December 1, 2003 and January 31, 2004. Eligible Card purchases include all purchases made with an American Express Business Card from OPEN: The Small Business Network" or a personal American Express" Card. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704711 DUPLICATE COPY Blue for Business" OPEN Membership Rewards€ Points 'Available at 02/02./X when charges we paid SMALL BUSINESS NETWORK' and all your accounts,are in good standing.. Preaucd F ti AftreNNWMIDOC aceing OMo 02/02/04 Page 1 of 8 Non Acivky $ Minimum ArWstmuft ard Payment Due Date Previous BalarceS Payment AcinlrS From, Olatuos an/ Now &Orme $ Amount Due S 02/27/04 23.92 -23.92 +50.55 -50.55 15.00 Please refer to page 2 for important information regarding your account Credit Line Total Credt Available Crectt Cash Advance Avalable Cash Summary Line $ Line $ Limit $ Limit $ on 02/02/04 11,300.00 11,249.45 2,300.00 2,300.00 Effective March 15th, 2004 significant changes to the Membership Rewards® program will be implemented. Please refer to your Membership Rewards point summary statement for further details. If you have questions regarding these changes, please contact Membership Rewards at americanexpress.com/rewards or 1-800-AXP-EARN (297-3276). To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity 'rea" "ten*. Amami S .04164M,faX00aeee*Yrhilywroi60 y •- .Ait<3. •t.gatrza. -23;02,:i Amount!, Saila 01/29/04 GIANT FOOD #245 GERMANTOWN MD 4.18 00 003045788 GROCERIES/SUNDRIES ROC No. 000000 0% INTRO RATE 01/30/04 GIANT FOOD #245 GERMANTOWN MO 4637 00 003150501 GROCERIES/SUNDRIES ROC No. 000000 0% INTRO RATE Total of New Activity 60.55 Pleasetiski on the perkraicn tebw, deNch ard Sum with your prrwri Continued on Page 3 Payment Due Date; Please enter account Payment Coupon 02/27/04 number on a0 checks and correspondence. Total New Balance Make check payable to $ 50.5.5 American Express. darn hddlludnhh,0.d.AhddddhAdAddull Minimum Amount Due To avoid additional • $15.00 Finance Charges on Purchases, pay the New Balance before the Payment Due Date. Check here if address or telephone number has Amount enclosed changed. Note changes on reverse side. Mail Payment to: AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 LA.0.A.M.H.0.dholl I 000005055000001500 02 ri EFTA01704712 DUPLICATE COPY Pi ‘d Page 2 of 8 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Defers and drawn on a bank located in the US (other than American Express Centurion Bank). If you are not paying electronically or by phone, pease submit your payment in the enclosed envelope with the remittance stub attached and account number incicated on the check. Please do not send post-dated checks. They wilt be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments, bytransmitting To Pay By Phone the amount of the check, routing number, account number and check serial number to your financial institution. Your 1-800-472-9297 checking account may be debted as soon as the same day we receive your payment. If we can not collect the funds electronically at first presentment we may issue a draft againSt your account for the amount of the check Customer Service Authorization for Electronic Payments: By using the American Express Pay By Computer Pay By Phone or any 1-877-258-3254 other American Express electronic payment service, you will be authorizing American Express to initiate an 24 hours!? days electronic debt to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at wvnv.amencanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indcated on your Lost or Stolen Card paper statement, or tick on the Customer Service link online. Outside the U.S. contact the nearest American Express 1.800-521-6121 Travel Service Office or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daly International Coiled Balance methodto calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your 1-623-492-7719 Account by applying the daily pericdic rate to the Average Daily Balance (as describe elow) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (inducing current transactions). To get the Hearing Impaired Average Daily Balance for each feature, we (1 n take the beginning balance for the feature each day (including unpaid (gam-Spm EST) Finance Charges from previous billing periods), 2) add any new transactions, debts, or fees, (3) eu.btract any payments or TTY: 1-600221-9950 credits, and (4) make any appropriate adjustme s.For each day after the first day of the billing perroci, we Aso add an amount of interest equal to the previous day's daily balance multiplied by the daily periodic rate FAX: 1-800695-9050 for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for In NY: 1-800.522-1897 the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the bang period and divide the total by the number of days in the biting period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance wit be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the baling period and the daily periodic rate for that feature, the result will be the Finance Charge • Correspondence assessed on that feature, except for variations caused by rounding. The total Finance Charge for the tilling period is calculated by adding the Finance Charges assessed on at features of the Account. This method of calculating the Customer Service Average Daily Balance and Finance Charge results In daily compounding of Finance Charges. The minimum P.O. Box 7863 Finance Charge for any billing pared in which Finance Charges are imposed is 50.50. Ft. Lauderdale, FL In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at 33329-7863 open .americanexpress.com or you can call us at 1.800.IPA'-AXP for Pay By Phone and Pay By Computer issues, or 1-803-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Payments Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, PO BOX 360002 please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FiRST FT LAUDERDALE statement on which the problem or error appeared. FL When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 33336-0002 3. Describe the error or the transfer you are unsure of, and explain as dearly as you can why you believe there is an error or wrwyou need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor. American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain acomparative listing of credo card rates, fees and grace periods by calling 1-B00-518-8866. Change or Address II correct en Peet do not Leo Warne Company L I I _LI Name Street kid(144 Cey, slate 1 Zip Cede Providing your email Area Code and address to American Hate Phone Express will enable you Area Cade ono to receive special offers, P j Week Phone suited to your needs. (maul EFTA01704713 DUPLICATE COPY II Pr ad For A”xrd Phrntow electing Page 3 of 8 02/02/04 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Period c Billing days this period: 31 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ PurchaseS 0.00 0.0383% 0.00% 13.99% 0.00 Cash Advances 0.00 0.0520% 0.00% 18.98% 0.00 0.00 Certain of the periocic rates arid APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect Remember, your introductory rate applies for all new purchases for your first 6 months of membership. EFTA01704714 DUPLICATE COPY )A:cr000n 999 Page 4 of 3 EFTA01704715 MemberaMitiPtrefalits Options' Monthly Statement and Page S of 8 Program News For questions atout r Statement Period Membership Rewards you account, December 1, 2003 - December 31, 2003 contact 1-800-AXP-EARN Account activity atter this period does not appear on this statement (297-3276) vnow.americanexpress.conVrewards 111 Available Points 433 American Express Membership Rewards PO Box 297813 Points are available when charges are paid in full and WI your accounts are in Ft. Lauderdale, FL 33329-9785 good standing Account Summary Opening points balance 433 Now points earned 0 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 433 New Points Earned 12/01/03 - 12/31/03 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 Totals 0 0 0 bkmbeeahp Remrdo Ogees psinta corned may be Veneerred et redeemed as ;ono ea ail ceroaad Cwd amour)* aro in goad stand% Pei* banideried a redeemedv-3nm. bo moonedtack into Ova pnagtaim Fortielleci points con be reinstated for by calling Ow number provided below. CIto Card chargeo ac coined sr the Ale..L.,a'rE Rewords Opbans program Tornio and Ccedeoers in your Itomborshla Rework Wiens Gude. It you hove quesuala obese yea yeasestnericanexpress.comfinembershIprevrardsoptIons or cal 1430),Q0*.EAFIni (297-3276). Flan cranes, call mist 305-816-2739. Earn More! New ways to earn points. IMPORTANT NOTICE OF MEMBERSHIP REWARDS® PROGRAM CHANGES Mir:IC*4n expris4' Effective March 15, 2004, 1) the fee to reinstate points Please note important forfeited for late payment will increase to $29 for each month program changes. of points reinstated, 2) for Cardmembers who cancel their Membership Rewards enrollment (or all Card Accounts (MR Message 6288) enrolled in the program), but still have one Card account open, the time period to redeem accrued points will change from 6 months to 30 days, 3) for each Corporate Card linked to a Membership Rewards account with another enrolled charge Card, the additional annual fee will increase to $35. IMPORTANT NOTICE OF MEMBERSHIP REWARDS OPTIONS® PROGRAM CHANGES Ti tant Eiress Effective March 15, 2004, for each transfer of points into the Please note important Mi Me Frequent Flyer program of a US airline, a fee of $0.0004 per program changes. two points, with a maximum fee of $50, will be charged to your Card account. We charge this fee to offset the federal (MR Message 1290) excise tax we must pay on such transfers. The fee may be more or less than the actual amount of the excise tax we pay on any individual transfer. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704716 COPY Page 6 of 8 EFTA01704717 DUPLICATE COPY Fr II •ed For Meow,' Number Cbsirg Dale Page 7 of 8 02/02/04 sCustomExtras- Save 30% on Business Incorporation and Related Services To learn more about Business Flings' offerings Business Filings provides you with everything you need to easily and to tale advantage of form a corporation, LLC, or nonprofit in any state. If your company Is the exclusive 30% expanding, and you need to register to transact business in other dscount offered to SPA states, Business Filings can prepare and file your certificate of authority. Business Filings also provides registered agent services, members of OPEN: The Small Business Network'', log on to Business federal EINs, and can help prepare the necessary form to elect S open.americanexpress. corporation status. cornibiztilings12. Filings" Business Rings Incorporated is an incorporation service provider, not a law firm, and (CE 104211) cannot provide legal advice. State filing fees excluded from dscount. Discount requires payment with an American Express* Business Card. Offer and participation subject to change without notice. Maximize Savings. Consolidate Expenses. To apply or for further Information call By adding Cards for your employees to your Account, you can 1.877.770.2639. consolidate virtually all of your business purchases onto one statement. Plus, with Expense Management Reports, you can track (CE 104214) spending by employee and category. Which can be especially OPEN SMALL AUSINESS METWORIC beneficial during tax season. Additional Cards can also increase your savings when your employees use their Card at our Everyday Savings* participants where they will enjoy the same ongoing savings as you do. To apply, call 1-877-770-2639. 'Terms and Conditions apply. Exclusive Savings at Staples® Visit any Staples store, www.staples.com, Stock up on the items your business needs for the tax season, from a call 1.800333-3330. software programs to filing folders. Get organized and take Please see advantage of your ongoing 2% savings at Staples when you use your open.americanexpress. comieverydaysavIngs Business Card. for more Wails. Participation and offer are subject to change without that was easr Payment must be made with an American Express* Business Card. Offer only available al notice. Terms and Conditions apply. Staples' retail stores, through the Staples Business Delivery catalog and www.staples.com. The discount, which will appear on the Cardmembers monthly (CE 104213) statement, is not valid on desktop and laptop computers, equipment leasing, business and other third-party provider services (inducing but not limited to shipping and communications services), warranty plans, taxes or deivery costs. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704718 DUPLICATE COPY Page 8 of 8 a EFTA01704719 DUPLICATE COPY 457 Blue for Business" OPEN SHALL BUSINESS NETW0RIC• Membership Rewards? POint8,Availablo: pr,03/CWWW060itbakiM*4*.i4 •, 'ill.. i5nrolortagtopireirtiticzottandind; Prc vcd nocart Nurnoa Clocing Dale 03/02/04 Page 1 of 10 Now Acv. ty Minimum ire. Ad,krstnents an] Payment Due Date Proilass Bohm. Arenom MIMI/ S Enna* 0113/906 t any Ncv•BaNnoo Amount Due $ 03/27/04 sass -50.55 +871.57 =871.57 17.00 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 03/02/04 11,300.00 10,428.43 2,300.00 2,300.00 Effective on or around April 19, 2004, your account will be transferred from American Express Centurion Bank, Member F.D.I.C., to American Express Bank, FSB, Member F.D.I.C. Other changes to your account not as a result of this transfer are described in the Notice Of Changes To Your Agreement section of this statement. PIN numbers and account numbers for this account are unchanged and checks that were issued may be used subject to their original terms. See Page 7 For A Notice Of Changes To Your Agreement See Page 9 For An Important Privacy Notice To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. . hdezabzi posIrg dB. AmountS Activity O?/20(04* • PaymentReceived - Thank You - r Amounts d: 19:702tytr.Zek:U•HAI)L SNOUFFR SCHL GAITHERSBURG MD r•tc?:U-KAUk DEALER it 81225 6003824t 6146.:`064:69024: OPJ02/04 EXXONMOBIU3304700282GAITHERS MD 31.53 PAY AT PUMP&304700282 0% INTRO RATE Piton...DO on IN, plidOkitata Inksv. detach DM NA= vett ytra pairrion Continued on Page 3 Payment Due Date: Please enter account Payment Coupon 03/27/04 number on all checks and correspondence. Total New Balance Make check payable to $ 871.57 American Express. Minimum Amount Due To avoid addlional $17.00 Finance Charges onNew Purchases, pay the Balance before the Payment Due Date. ink IIIIIII•LI.I.111.11.11.11.11,1,111 Check here if address or • 1 telephone number has Amount enclosed changed. Note changes on reverse side. Mail Payment to: AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 1111111, I11111111111111111111111111111111111111111111111111111 000087157000001700 02 rt EFTA01704720 DUPLICATE COPY Page 2 of 10 Payments: Payments received after 12:00 noon or on weekends or holidays may not be =died until the next business day. Payments must be in US Dollars and &awn on a bank 'located in the US (other than a tine of credit check issued by American Express Centurion Bank or American Express Bank, FSB). If you are not paying electronicaly or by Phone, Please your payment in the enclosed envelope with the remittance stub attached and account number indicated on the submiteck Please do not send post-dated checks. They will be deposited upon receipt. It payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to To Pay By Phone process checks electronically , at first presentment and any re-presentments by transmittin the amount of the 1-800-472-9297 check routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. II we can not collect the funds electronically at Customer Service first presentment, we may issue a draft against your account for the amount of the check. 1-877-258-3254 Authorization for Electronic Payments: By using the American Express Pay By Computers Pay By Phone or any 24 hoursi7 days other American Express electronic payment sernce, you will be authorizing American Ex 'e% to initiate an electronic debt to the financial account you specie/ in the amount you request To use Pay By Carvuter, please Lost or Stolen Card visdus at www.americanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your 1.800-521-6121 paper statement, or click on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service Office or call anelccal American Express office. International Collect Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily 1-623-492-7719 Balance method to calculate Finance Charges on your Account. Under this method, we figure the FinanceCharges on your Account by applying the duly periodic rate to the Average Daily Balance (as described below) for each feature (such as Nearing I 'red Purchase,. Cash Advance and Balance Transfer features) of your Account Onducfmg current transactions). To get the m Average Daly Balance for each feature, we (1) take the begireng balance for the feature each day (including unpaid ITV 1-800- 1-9950 Finance Charges from previous billing periods), (2) add any new transactions, debits or fees, (3) subbed any payments or FAX: 1.800-695-9090 credits, and (4) make any appropriate adjustmen s.For each day alter the first day of the billing paned, we also add an amount of Interest equal to the previous day's daily balance multiplied by the daily periodic rate In NY: 1-800-522-1897 for the feature, This gives us the daily baJance for the feature for that day and the beginning balance for the feature for the next day. It this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the tilting period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the Now Balance, if any, shown on your previous month's statement by the Payment Due Dale shown on that statement. If you multiply the Average Daily Balance for each feature by the number Correspondence of days in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by roundng. The total Finance Charge for the bilhno period Customer Service is calculated by adding the Finance Charges assessed on all features of the Account. This method of celculaffng the P.O. Box 7863 Average Daily Balance and Finance Charge results In daily compounding of Finance Charges. The minimum Ft. Lauderdale, FL Finance Charge for any biting period in which Finance Charges are imposed is $0.50. 33329-7863 In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.ccm or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, Payments or 1-800-CASH.NOW for Exp•reSS Cash and automatic payment issues. You can also write to the Express Cash PO BOX 360002 Operations address indicated on your statement. If you think your statement, receipt, or transaction is Wrong, FT LAUDERDALE please contact us as soon as possbe. We must hear from you no later than 60 days after we sent you the FIRST FL statement on which the problem or error appeared. 33336-0002 When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and correct any error promptly. If wo take more than 10 business days to do this, we will veal your account for the amount you think is in error, so that you will have use of the money during the time it takesus to complete our investigation. Creditor: American Express Centunon Bank or American Express Bank, FSB. New York residents may contact the New York Barking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1.800-518-8866, Change of Address r coned on from do owl we Name Company 1 1 1 1 1 Street Address City. Stale Zip Cede I Providng youremail Area Cale end addressto American Herne Phone Express will enable you Area Code end to receive special offers, j Work Phone suitedto your needs. Emai EFTA01704721 DUPLICATE COPY Pi • 01nor AceturNunter 03/02 /04 Page 3 of 10 03/02/04 Amounts Now Activity continued 02104104 GIANT FOOD 6245 GERMANTOWN MD 50.88 GROCERIES/SUNDRIES 0% INTRO RATE 02/04/04 MONTGOMERY COUNTY DLGERMANTOWN MD 17.83 PACKAGE STORE/UOUOR ROC No. 0000000081 0% INTRO RATE 02/05/04 OFFICE DEPOT, INC. GAITHERSBURG MD 9.01 OFFICE PROD. & SUPPUES EPSON ER009 PURPLE MATRX ROC No. 350040749 0% INTRO RATE 02/08/04 GIANT FOOD 8245 GERMANTOWN MD 26.00 GROCERIES/SUNDRIES 0% INTRO RATE 02/09/04 GIANT FOOD 8245 GERMANTOWN MD 10.70 GROCERIES/SUNDRIES 0% INTRO RATE 02/09/04 EXXONMOBIL1807724875GERMANTO MD 32.07 PAY AT PUMP1807724875 0% INTRO RATE 02/13/04 GIANT FOOD 8245 GERMANTOWN MD 9.71 GROCERIES/SUNDRIES 0% INTRO RATE 02/14/04 OFFICE DEPOT, INC. GAITHERSBURG MD 156.02 OFFICE PROD. & SUPPLIES CARTFIIDGE,INK,DJ 2000,YELLOW CART RIDGE,INK,DSKJET 2000,,MAG CARTRIDGE.INK,CYAN,CA841A CARTRIDGE,INK,BUcC4644A ROC No. 350019721 0% INTRO RATE 02/16/04 WONMOBIL1807724875GERMANTO MD 28.63 PAY AT PUMP'807724875 0% INTRO RATE 02/16/04 FLOWERS SENT TODAY MENNA VA 55.37 FLOWERS/PLANTS/GIFTS ROC No. 00000351 0% INTRO RATE 02/16/04 OFFICE DEPOT, INC. GAITHERSBURG MD 36.05 OFFICE PROD. & SUPPUES PRINTHEAD,2000,BLACK,O1800A ROC No. 350010313 0% INTRO RATE 02/16/04 GIANT FOOD 8245 GERMANTOWN MD 24.22 GROCERIES/SUNDRIES 0% INTRO RATE 02/18/04 GIANT FOOD 1245 GERMANTOWN MD 10.93 GROCERIES/SUNDRIES 0% INTRO RATE 02/20AX GIANT FOOD 1245 GERMANTOWN MD 16.35 GROCERIES/SUNDRIES 0% INTRO RATE Corgi:30o d reverso EFTA01704722 DUPLICATE COPY Pt f Page 4 of 10 Amour.IS New Activity continued 02/24/04 OFFICE DEPOT, INC. GAITHERSBURG MD 20.67 OFFICE PROD. & SUPPLIES EPSON ERC-09 PURPLE MATED( EPSON ERC-23 RIB BUURED PAPER,ADD,3X128,10PK,WHITE SSCOPY 8.5X11 WHITE ROC No. 350047079 0% INTRO RATE 02/24/04 GIANT FOODS 1191 GERMANTOWN MD 10.92 GAS/GROCERIESAMSC 0% INTRO RATE 02/26/04 CROWN 11908920 GAITHERSBURG MD 29.16 CROWN GASAASC2001022711908920 0% INTRO RATE 02/28104 U-HAUL SNOUFFR SCHL GAITHERSBURG MD 238.68 U-HAUL DEALER 181825 CONTRACT 100038247 ROC No. 00409024 0% INTRO RATE 02/28/04 U-HAUL SNOUFFR SCHL GAITHERSBURG MD 235.68 U-HAUL DEALER a 81825 CONTRACT 1 00038247 ROC No. 00409024 0% INTRO RATE ovavo4 112 ATLATNIC AVENUE BROOKLYN NY 45 22 27523768805061343000180 ROC No. 006720715L 0% INTRO RATE 02/29/04 GIANT FOOD1245 GERMANTOWN MD 1'.57 GROCERIES/SUNDRIES 0% INTRO RATE Total of New Activity 871.57 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this period: 29 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE S Purchases 0.00 0.0383% 0.00% 13.99% 0.00 Cash Advances 0.00 0.0520% 0.00% 18.98% 0.00 0.00 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rato identified in the V/all Street Journal, as described in your Cardmemter Agreement as currently In effect. Remember, your introductory rate applies for WI new purchases for your first 6 months of membership. EFTA01704723 MembelV84941ifaiiiis Options' Monthly Statement and Page 5 of 10 Program News FOP questions about your Statement Period Membership Rewards account, January 1, 2004 - January 31, 2004 contact Account activity after this period does not appear on this statement 1-800-AXP-EARN (297-3276) Available Points vnins.americanexpress.com/rewards 457 American Express Membership Rewards PO Box 297813 Points are available when charges are paid in lull and an your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 433 New points earned +24 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 457 New Points Earned 01/01/04 - 01/31/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 24 0 24 Totals 24 0 24 Monte:slip Rt.A•1/03 OS05 octets owned may be transferred a redeemed ea keg as a:lewd-ad Card accounts are In read siandrig. Penis Vanstorrol a redeemed cannot be reversed back into te program Forfeited points can be reinstated tore tee by calling the number provided below. Elgitie Cadhypes we Wined in the klarterchp Retard* °piens program Teens and Corcho-o in your Mengenkip Ramat Ortgns Gude. l you qustkrts, please vial vnywaimerkanexpeess.com'memberablorewardsopUons or cal t 600-AXP.EA)111 W13241. From overseas, eel collect 305.816-27%. Earn More! New ways to earn points. Important Notice of Membership Rewards® Program Changes Aiiii teen Billets Effective May 1, 2004, eligible Cardmembers will no longer (MR Message 6195) alEraSERSHIP accrue two Membership Rewards points for virtually every dollar charged at stand-alone hardware and home improvement stores. Instead, Cardmembers will accrue one point for every dollar charged at such stores. Froutem charges apply only to Rowank Green & Ocila Preeened Rewards Green 8 God. Rernuds Plus CPU, PLibmen Cora. Waxen. Cant Gall relsreLk, ONE Palencia Aomori Platinum Card. Path= Financial Seneen Cod. Fiddly Amorean =ma Govan, Golf and Plasm Cast. EtbleCividenerrbers wince:canoe S3 WSW two pant kg way in the U.S. al gatted turd-alone supeinwicitts, cingskires, gas stator*, the US. Postal Steeicisi caZr aimless 0940 St Parnerols. BLS stellate. c4 wirelen limo scam cagy en.Pat per dots. Celebrate Spring with Smith & Hawken! Plan the garden of your dreams at Smith & Hawken. From To redeem points for a Eden ParkTM Garden Structure to Premium Teak' furniture $50, $100, or $200 Smith & Hawken Gift Card, go to to plants, containers and lighting, you'll find a wealth of wvAvamericanexpress. products for creating your own place in the sun (or shade). corrthewards or call For store locations or to request a catalog, call 1.800-AXP-EARN 1-888-883-3725 or visit www.smithandhawken.com. (297-3276). (MR Message 1075) Earn DOUBLE Points from Spa Finder - All Year! You can now earn DOUBLE Membership Rewards® points Visit wvAv.spatIndercom on all purchases online from Spafinder.com or by calling or call 1.888-ALL-SPAS and Mart earning double Spafinder 1.888-ALL-SPAS and using your American Express® Card— everyday, all year! Choose from gift certificates redeemable at over 1,100 day, destination and resort spas worldwide and points! (Bonus ID 6441) from a wide selection of products from the spa merchandise collection. Wet veld tivolgis 12010i. To be elObl, to earn bonus pants. you must be endS h lw iitenberag Flee/aids program et 'helmsof probate adalums you, porches' a an emceed Ameten Epees Can. Bogus pa:kiwi becredal whin 6-8 weeks. Boniest): Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704724 A me ri can Express• • TE COPY Page 6 of 10 Earn 5x Points from sharperimage cone ALL YEAR! Sharper Image offers innovative products for the home, office Shop today at THE and travel that make life easier and more enjoyable. PLUS, www.shatperimage. com/amexbonusand you can earn 5X Membership Rewards® points for every SHARPER dollar you spend when you shop at earn 5x pcints. www.sharperimage.comiamexbonus. (Bonus ID 1076) IMAGE Oller wad ONLY yew,' btu gab vetreteherpertmace.eemfatnnbenue hough 12/31/34. To can "NM Oh% so neat be emoted et to Mcenberch'pRosapde pew= of Ole line ti wettest end dues* your pathozo 10 an otteblo. otecikel Arnesihan Ecresce Card. Not valet it Nem, phonetwel ontleat oiler the Shaw Fano Arnica Sio. Ober term: oAly. Sonia pint wir be awarded wain 10-12 nett.. Benue 0: 1076 Morton's, The Steakhouse Certificates Morton's always makes dining a night to remember, To redeem, visit tempting food lovers with abundant portions of USDA prime www.americanexpress. comirewards or call aged beef, fresh seafood, hand-picked produce and 1.800•AXP•EARN tempting desserts. Morton's is well known for its unparalleled (297-3276). For locations service and legendary hospitality--setting the standard for visit www.mortons.com or call 1.866•MORTONS fine steakhouse dining. Redeem Membership Rewards® (667-8667). points for $100 and $250 certificates for the ultimate dining experience at one of the 64 Morton's restaurants worldwide. (MR Message 9034) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704725 DUPLICATE COPY Pr ad Fa Accost Manta Clciev Da* Page 7 of 10 03/02/04 Notice of Changes to Your Agreement We are making knport ant Changes to your American Express Cardmember Agreement governing the American Express• Card Account Identified on this Notice. We urge you and any Additional Cardmembers on your Account to read this Notice carefully. The changes made to the Cardmember Agreement win become effective as indicated below. This Notice formally amends that Agreement and any contrary or conflcting language In that Agreement is replaced fully and completely. Note that the terms of your Account are subject to change (Including increasing APRs and fees and changing fixed APRs to variable APRs) in accordance with the Agreement governing your Account. All terms of the Agreement not amended herein remain In lull force and effect. This is an important Notice of changes to your American Express Card Account Agreement. We recommend that you carefully review the changes, and then file this Notice for future reference. If you have questions regarding this Notice, please call the telephone number listed on the back of your American Express Card. Over-limit Fee (Effective with billing periods ending on or after May 8, 2004) We are increasing the Over-limit Fee to $35 if you exceed the total credit line on your Account. Accordingly, we are amending the Other Fees section of your Cardmember Agreement by replacing the '$29' applicable to Over-limit Fees with '535.' Dishonored Payment Fee (Effective May 8, 2004) We are Increasing the fee to $38 whenever any check, similar instrument, electronic payment order that we receive, or a check presented at an American Express Travel Services Office or other authorized location Is not honored by your bank or other financial Institution. Accordingly, we are amending the Other Fees section of your Cardmember Agreement applicable to Dishonored Payments by replacing -$29" with -$38: We are also replacing the "UT with "$38" In the Payment for Cash Transactions section of your 'Agreement between Cardmember and American Express Travel Related Services Company, Inc. Concerning Electronic Funds Transfer Services: APR Applicable to Accounts (The changes In these sections will become effective as noted below) We are amending the Finance Charges section of your Cardmember Agreement as follows: Determining the Prime Rate Applicable to Your Account Effective with billing periods ending in June 2004, we are changing the timing of when we determine the Prime Rate used to calculate the variable APRs applicable to your Account to the higher of the 1st or 25th day of the month prior to the month In which your billing period ends. APR Applicable to Accounts in Default (I) Effective with billing periods ending in June 20)4, we are changing the Default Rates for Purchases and Cash Advances, set forth In the last subsection, from fixed APRs of 19.99% and 23.99% to variable APRs equal to the Prime Rate plus 15.99% and 21.99%: This change will apply to Accounts that are at the Default Rate as of the effective date as well as Accounts that go into default In the future. (ii) Effective with billing periods ending in May 2004, we are also revising the circumstances In which the Default Rates will apply to your Account. Accordingly, we are replacing paragraphs C and D of the Finance Charges section of your Agreement with the following: 'C. The 'Prime Rate" is determined once with respect to each billing period, and applies to the entire tilling period. The Prime Rate for billing pedcds ending in any calendar month Is the highest Prime Rate published in the Money Rates section (or successor section) of The Wee Street Journal on the 1st or 25th day (or, ki each case, if such date is not a business day, the next business day) of the prior calendar month. If The Well Street Journal ceases publication or does not publish the Prime Rate on either of those dates, we may refer to the Prime Rate published In any other newspaper of general circulation in New York, New York, or we may substitute a similar reference rate at our sole discretion. D. The DPR (and corresponding APR) on all balances may increase under the following crcumstances: 1) The DPR (and corresponding APR) on Purchases will Increase to the Default Rate, which is a DPR that corresponds to an APR equal to the Prime Rate plus 15.99%, and the DPR (and corresponding APR) on Cash Advances will increase to the Default Rate, wNch is a DPR that corresponds to an APR equal to the Prime Rate plus 21.99%, If during the Review Period a payment of your Minimum Amount Due is not credited to your Account by the Payment Due Date In any two billing periods. The "Review Period" is the period, constituting approximately one year, of twelve consecutive billing periods ending with the Closing Date of the current billing period, whether or not you received a statement for each such billing period. If these Default Rates are applied, they will apply to your Account for a minimum of twelve consecutive billing periods, beginning with the current billing period, unless you have triggered a higher APR based on the criteria described in subsection (2) below. 2) Notwithstanding the foregoing, the DPR (and corresponding APR) on all balances will increase to a Default Rate which is a DPR that corresponds to an APR equal to the Prime Rate plus 21.99%, If during the Review Period (a) a payment of your Minimum Amount Due is not credited to your Account by the Payment Due Date in any three or more billing periods, (b) a payment of your Minimum Amount Due Is not credited to your Account by the Payment Due Date in any two consecutive biking pericds, (c) a payment on your Account is not honored by your bank or other financial institution, or (d) you exceed any designated credit limit on your Account three or more times. If this Default Rate is applied, it will apply to your Account for a minimum of twelve consecutive biting periods, beginning with the current billing period: BP/TR17FYI/0304 EFTA01704726 DUPLICATE COPY lam Page 8 of 10 Monthly Payment-Minimum Amount Due (Effective with billing periods ending in October 2004) We are changing the calculation of the Minimum Amount Due on your Account. In some cases, as described below, we will Increase the Minimum Amount Due by 515. Accordingly, we are replacing the third paragraph of your Agreement entitled Billing Statements/Minimum Amount Due Wth the following: "Each biting statement will reflect a Minimum Amount Due. Payment is due by the time and date shown and In the manner prescribed on the statement To calculate the Minimum Amount Due we will add together the following: (1) any amount past due; (2) the greatest of: a) 1/50th of the New Balance on the Closing Date of the biting statement (the calculation of which is rounded to the nearest whole dollar) (for purposes of this calculation we exclude from the New Balance any over-limit fee added to your Account during the billing period), b) the current billed Finance Charges, or c) 515 (or the New Balance If it is less than $15); and (3) any over-lima fee added to your Account during the billing period. If the greatest of the three calculations in section (2) above is the current billed Finance Charges, then we will add 515 to the calculation of the Minimum Amount Due. At our option, we may also include in the Minimum Amount Due all or part of other fees incurred during the biting period and any part of the New Balance in excess of your credit line. The Minimum Amount Due will not exceed the New Balance. You may pay more than the Minimum Amount Due, up to the entire outstanding balance, at any time? Other Important Information About Your Account Annual EFT Error Resolution Notice This notice is to inform you about how you should notify us of errors or questions regarding any electronic fund transfers you initiate using your American Express Card or electronic payments you make to American Express using Pay By Phone, Pay By Computer, or any other American Express electronic payment service. In case of errors or questions about your Electronic Transfers, please telephone us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer questions, and at 1.800-CASH-NOW for Express Cash and Automatic Payment questions. Alternatively, you may write to us at the Express Cash Operations address indicated on your billing statement or E-mail us by clicking on the Customer Service Link online at wvny.americanexpress.com. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared or question arose. When you contact us, please provide the following information: (1) Tell us your name and account number. (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the date and dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days of the call. We will determine whether an error occurred within 10 business days and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide we need up to 45 days, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors Involving new accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 days to Investigate your complaint or question. We will tell you the results within three business days after completing our Investigation. If we decide that there was no error, we will send you a written explanation. You may ask for cones of the documents that we used in our investigation. BP/TR17FYI/0304 EFTA01704727 DUPLICATE COPY Pr cd Arseced Nitrn'cor Cosiro OSS Page 9 of 10 03/02/04 An Important Notice Concerning Cardmember Privacy This Privacy Notice is addressed to United States holders of personal American Expresso 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? institutions with whom we jointly offer products We obtain information about you from a variety and services. And we may disclose it to other third of sources. You provide us with information about parties as permitted by law. For example, we disclose yourself, for example by completing Card applications. Cardmember Information in response to subpoenas, to This Includes your name, address, social security credit reporting agencies, and to help prevent fraud. number, and income and asset information. Your use of the Card and your other transactions with us and our Your Opt Out Choices Affiliates provide us with additional information, such as You have"opt our choices about offers that may be your spending and payment history. sent to you and how those offers may be delivered to you. You may also opt out from certain disclosures of Other sources, such as credit reporting agencies and Cardmember Information. Your opt out choices and providers of marketing information, furnish us with how to opt out are explained below. additional information about your credit history, purchasing preferences, and other matters. We also Offers for Products and Services of Other obtain information in connection with our efforts to Companies protect against fraud. We call all of this information We work with other companies, such as merchants that 'Cardmember Information." accept the Card, so that you may receive offers for their products and services. We use Cardmember • What Do We Do with This Information? Information to help make these offers more relevant We use Cardmember Information in connection with and valuable to you. If you respond to one of these delivering products and services to you. To do this it is offers, the other company will know certain information often necessary to share it with our Affiliates and other about you, such as your name, that you are a companies we work with. These include companies that Cardmember, and that you met the qualifications manage Card accounts, offer affinity, frequent-user, and established for the offer. reward programs, companies that perform marketing services and other business operations for us, and Your choice: You may opt out from receiving these companies whose products or services are provided as offers by calling us at 800-297-8378 or by filling out a benefit of your Card account We may also share the attached form and returning it to the address on Cardmember Information with other financial the form. You may also include the form with your regular payment. Please Note: You may receive additional privacy notices that provide information and different opt out choices for other Card accounts that are applicable only to those accounts. Please complete this form if you choose to opt out and wish to mail your response rather If you do not than use the toll-free number, which is 800-297-8378. If you have already given us your choices, have a payment you don't need to respond unless you want to change your choices. Return this form to American envelope, mail Express along with your payment coupon using the payment envelope enclosed with your your response to: statement American Offers for Products and Services of Offers for American Express Products Express Other Companies and Services Cardmember O Do not send me offers for products and O Mail: Do not mail me offers for American Information services of other companies. Express products and services. Services P.O. Box 299836 Credit Information Provided to ❑ Telephone Offers: Do not contact me by Ft. Lauderdale Our Affiliates telephone to otter me products and services. FL 33329-9836 ❑ Do not share credit-related information about me (except as described in this Notice) with American Express Affiliates. MW1LE/0304 MOM FOR 706671 T5047 EFTA01704728 DUPLICATE COPY MIS Page 10 of 10 Offers for American Express Products and Services E-Mail Offers We may send you e-mail offers for our products Mail Offers and services, and those of our Affiliates and other We may mail you offers for American Express products companies we work with. We don't share e-mail and services. addresses with other companies for them to market Your choice: To opt out from receiving these maiings, their own products and services to you. call us at 800-297-8378 or fill out the attached form and Your choice: To opt out from receiving these e-mail return it to the address on the form. You may also offers, enter your preferences at the 'Set E-Mail include the form with your regular payment Preferences' page of our Internet Privacy Statement at Telephone Offers www.americanexpress.com/preferences. We may contact you by telephone about our products Additional Information About Your Opt Out Choices and services or those that we offer with our business If you are the primary Cardmember on your Card partners. account, your opt out choices will also apply to any Your choice: To opt out from receiving telephone other Cardmembers on your Card account If you opt offers, call us at 800-297-8378 or fill out the attached out, we may still include notices and information about form andreturn it to the address on the form. You may the Card and other products and services when also include the form with your regular payment communicating with you about your Card account and related products and services. Information We Share with Our Affiliates Our Affiliates include financial advisors, publishers, Information Security insurers, and travelers cheques issuers. American We take commercially reasonable physical, electronic Express Travel Related Services Company, Inc., and and procedural steps to help safeguard Cardmember American Express Centurion Bank, and American Information. Express Bank, FSB are Affiliates of each other. We may Former Customers disclose certain Cardmember Information to our If you cancel your Card, or your Card account(s) Affiliates to provide services for your Card account and are closed, we will continue to treat and safeguard to develop and send you offers for their products and Cardmember Information about you as described in services. We are permitted by law to share with our this Notice. Affiliates information about our transactions and experiences with you, such as your payment history. For Vermont Cardmembers Only But you can opt out of our sharing with our Affiliates If your Card account has a Vermont billing address, other credit-related information (such as your credit we will automatically treat your account as if you had history as shown on a consumer report). checked the lower-left hand box on the attached opt out form. We may share your name and contact Your Choice: information, and information about our transactions or To opt out from our sharing credit-related information experiences with you, with financial institutions with with our Affiliates (except as permitted by law) call us at whom we Jointly otter financial products and services .800-297-8378 or fill out the attached form and return it and with our Affiliates. This Notice describes opt out to the address on the form. You may also include the choices about certain other uses of Cardmember form with your regular payment. Information. MullLE/0304 FOR 706671 T5007 EFTA01704729 DUPLICATE COPY 507 • -1; Blue for Business" OPEN Membership Rewards® Points Available at 02129/04, when charges due are oad SMALL BUSINESS NETWORK" full and all accounts are in good standing: II Pee od Foe tounoirrOtWow OrAmOgn 04/02/04 Page 1 of 7 NewAesier Minimum is any Payment Due Date Porticos Marco S PapnotattuayS FAT:CI any New Balance Amount Due $ 04/27/04 871.57 400.00 +1,005.13 -1,476.70 30.00 Please refer to page 2 for impodant information regarding your account Credit Line Total Credit Available Credit Cash Advance Avalatle Cash Summary Line $ Line $ Limit $ Limit $ on 04/02/04 11,300.00 9,823.30 2,300.00 2,300.00 To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity .fr" a*IP``'‘gdse Amount o3r2woopi:riiiht yA ,E7VIA9t $ 03/02/04 GIANT FOOD 8246 GERMANTOWN MD 41.53 GROCERIES/SUNDRIES 0% INTRO RATE 03/04/04 EXXONMOBILB304700282GAITHERS MD 2920 PAY AT PUMP8304700282 0% INTRO RATE 03/05/04 OFFICE DEPOT, INC. GAITHERSBURG MD 6.92 OFFICE PROD. & SUPPUES SSCOPY 8.5X11 WHITE EPSON ERC-09 PURPLE MATRX ROC No. 350014994 0% INTRO RATE 03(06/04 MONTGOMERY COUNTY DLGERMANTOWN MC 16.70 PACKAGE STORE/LIQUOR ROC No. 0000000260 0% INTRO RATE 03/06/04 GIANT FOOD 8245 GERMANTOWN MD 36.17 GROCERIES/SUNDRIES 0% INTRO RATE Haase }ad an to pea:coca balm, &ash and town nth yam Oarnant Continued on Pegs 3 Payment Due Date: Please enter account Payment Coupon 04/27/04 number on all checks and correspondence. Total New Balance Make check payable to $ 1,476.70 American Express. Minimum Amount Due To avoid additional $30.00 Finance Charges on Purchases, pay the New ;a7-1450 Balance before the Payment Due Date. Check hem it address or • I telephone number has Amount enclosed changed. Note changes on reverse side. Mail Payment to: AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I 000147670000003000 02 H EFTA01704730 DUPLICATE COPY II Pe cd Page 2 of 7 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dolrars and drawn on a bank located in the US (other than a line of credit check issued by American E,aess Centurion Bank or American Express Bank, FSB). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indrcated cn the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to To Pay By Phone process checks electronically , at first presentment and any representments, by Transmitting the amount of the 1.800472-9297 check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we can not collect the funds electronicaly at Customer Service first presentment, we may issue a draft against your account for the amount of the check. 1-877-258-3254 Authorization for Electronic Payments: By using the American Express Pay By Computer,_ Pay By Phone or any 24 hours/7 days other American Express electronic payment sennce, you oil be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please Lost or Stolen Card visit us at www.arnericanexpre-ss.com. 1-800-521-6121 Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicatedon your paper statement, or click on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel ServiceOffice ocean anylocal Arre-ican Express office. International Collect Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily 1-623-492-7719 Balance method to calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as describedbelow) tor each feature (such as Hearing Impaired Purchasek Cash Acvance and Balance Transfer features) of your Account (including current transactions). To get the (9am-5pm EST) Average Dary Balance for each feature, we (1 take the beginning balance for the feature each day (including unpaid TTY: 1-800-341-9950 Finance Charges from previous billing periods), 2) add any new transactions, debits,or fees, (3) subtract any payments or FAX: 1.800.695.9090 credits, and (4) make any appropriate aclustmen .For each day after the first day or the billing perioid, we also In NY: 1.800522-1897 add en amount of interest equal to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the biting period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily -Balance for each feature by the number Correspondence of days in the tiling period and the daily periodic rate for that feature, the result will be tie Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the billing period Customer Service is calculated by adding the Finance Charges assessed on aft features of the Account. This method of ceticulebng the P.O. Box 7863 Average Deily Balance and Finance Charge results in daily compounding of Finance Charges. The minimum Ft. Lauderdale, FL Finance Charge for any Wing period in which-Finance Charges are ImposedIs 50.50. 33329-7863 In Case of Errors or Ouesflons About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.com, or you can call us at 1.800-IPAY-AXP for Pay By Phone and Pay By Computer issues, Payments or 1-800-CASH-NOW for Express Cash and automatic moment issues. You can also write to the Express Cash PO BOX 360002 Operations address indcated on your statement. II you think your statement, receipt, of transaction is wrong, FT LAUDERDALE please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST FL statement on which the problem or error appeared. 33336-0002 When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as dearly as you canwhy you believe there is an error or whyyou need more information. We will investigate your complaint andcorrect any error promptly. If we take more than 10 lowness days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes ustocompleteour investigation. Creditor. American Express Centurion Bank or American Express Bank, FSB. New York residents may contact the Now York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Change of Address If GO/14,C1 on kora do not nee Nato Canpany Nate Street Address Cry. State r P 1 Zee Code Providng your email Pea Code ant address to American Home Phone Express willenable you Pee Code and to receive special offers, Work Phone suitedto your needs. Email EFTA01704731 DUPLICATE COPY Clocrg Dnin Page 3 of 7 04/02/04 New Activity continued ountS 03/09/04 FLOWERS SENT TODAY 'VIENNA VA 56.42 FLOWERS/PLANTS/GIFTS ROC No. 00000791 0% INTRO RATE 03/10/04 PAPA JOHN'S #6052066GERMANTOWN MD 15.74 RESTURANT 0% INTRO RATE 03/11/04 OFFICE DEPOT, INC. GAITHERSBURG MD 47.98 OFFICE PROD. & SUPPLIES PAPER,ADD,2.25X130,12PK,WHITE EPSON ERC-23 RIB BLK/FIED EPSON ERC-09 PURPLE MATRX FILM,FAX,KXFP101,KXFP121,0FA6 ROC No. 350111492 0% INTRO RATE 03/13/04 GIANT FOOD #245 GERMANTOWN MD 19.97 GROCERIES/SUNDRIES 0% INTRO RATE 03/15/04 GIANT FOOD #245 GERMANTOWN MD 10.00 GROCERIES/SUNDRIES 0% INTRO RATE 03/17/04 EXXONMOBIL1807724875GERMANTO MD 31.00 PAY AT PUMP1807724875 0% INTRO RATE 03/20/04 GIANT FOOD #245 GERMANTOWN MD 15.56 GROCERIES/SUNDRIES 0% INTRO RATE 03/23/04 CROWN 11908920 GAITHERSBURG MD 511.46 CROWN GASAASC8401032411908920 0% INTRO RATE 03/23/04 PAPA JOHN'S 06052066GERMANTOWN MD 18.89 RESTURANT 0% INTRO RATE 03/25/04 EXXONMOBIL1807724875GERMANTO MD 33.75 PAY AT PUMP1807724875 0% INTRO RATE 03/25/04 GIANT FOOD #246 GERMANTOWN MD 27.10 GROCERIES/SUNDRIES 0% INTRO RATE 03/29/04 WAL-MART 2357 GERMANTOWN MD 24.50 GENERAL MERCHANDISE 0% INTRO RATE 03/29/04 GIANT FOOD #245 GERMANTOWN MD 22.81 GROCERIES/SUNDRIES 0% INTRO RATE 03/29/04 OFFICE DEPOT, INC. GAITHERSBURG MD 26.21 OFFICE PROD. & SUPPLIES REFILL,BP,MED,2/PK,BLACK EPSON ERC-09 PURPLE MATAX PEN,OFFICE DEPOT,MED,12PK,BLUE EPSON ERC-23 RIB BLK/RED ROC No. 350114951 0% INTRO RATE Continued on reverse EFTA01704732 DUPLICATE COPY Pt II od Page 4 of 7 Amoum New Activity continued 04/01/04 GIANT FOOD #245 GERMANTOWN MD 12.62 GROCERIES/SUNDRIES 0% INTRO RATE Total of Now Activity 1,005.13 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this period: 31 Balance Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 0.00 0.0383% 0.00% 13.99% 0.00 Cash Advances 0.00 0.0520% 0.00% 18.98% 0.00 0.00 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardrnember Agreement as currently in effect. Remember, your introductory rate applies for all new purchases for your first 6 months of membership. EFTA01704733 MembefathiWIT4fiins Options' Monthly Statement and Page 5 of 7 Program News For questions about your Statement Period Membership Rewards account, contact February 1, 2004 • February 29, 2004 Account activity after this period does not appear on this statement 1-800-AXP-EARN (297-3276) Available Points vnvw.americanexpress.coriVrewards 507 American Express Membership Rewards PO Box 297813 Points are available when charges are paid in.full and all your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 457 New points earned +50 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 507 New Points Earned 02/01/04 • 02/29/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 50 0 50 IMO Totals 50 0 50 Mortersho Rewards Octane Ports earned may be translated or redeomcd as lag as a *nerd Cad scoure areadexed tes,ding. Pone leastered 0/ (termed canna be reveres tisk reptile pietism Forfeited points can be reinstated for a feeby calling the number provided below. Ergbe Cad eteVdoeS ate Wired In the Menterebip Fkgrazds Cptons PeO7aa. Torres aM Cations t in yds LlerntereKgeRemardt Opfeds Geed a re tete mestizos. µaxe VitEI xwetamericanexprestcomfmembershipiewerdSOptOnS cf ca3ISOSAXP-EARN 1297-3276). Fran overseas, eal ward 30S816-2759. Earn More! New ways to earn points. Important Notice of Membership Rewards® Program Changes Effective May 1, 2004, eligible Cardmembers will no longer (MR Message 6195) accrue two Membership Rewards points for virtually every dollar charged at stand-alone hardware and home improvement stores. Instead, Cardmembers will accrue one point for every dollar charged at such stores. Preded, chards 4:9Iy car lo Rewards Green & Gold. Preerrod Rereads Green Gad, Rewards Pin Gait P ritrit Cada Ceritricieb Card. Garl Financial. ONE Finarcial Account Marren Cat,Plamm Financial Swims Card. Fdellty timerean Ewes, Green. Goa aid Mattel Cards. Eight Cararlembore wit retinue to accrue two pares for teen Wet clamed in the U.S a quailed otardatene overtakes. cleastees. Gas etaicre. the US. Natal Serra. and irc wireless awe bil pecriene. Gat Purchases ei Wile1/44S ems raw ray one POW per bra. Redeem Membership Rewards® Points for a New LG Microwave Arerricam eaprerto LG, one of the world's leading manufacturer of microwave To redeem, visit vAvw.americanexpress. ovens, would like to Introduce the first Combination corn/rewards or call • • " jtje. Microwave Oven and Toaster for 23,000 points. This item 1.800-AXP•EARN comes in Stainless Steel and features a .9 CU FT oven (297-3276). capacity, 900 watt microwave, and 800 watt toaster with 9 •••-• browning levels.(PRM342) (MR Mesage 8028) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704734 American Express -- ATE COPY r77$ MCIVILIERSHIP Accoul Master " • a ) Page 6 of 7 E1111Ru. IV .A. Double Points for Mother's Day at Elizabeth Arden Buy your Mother's Day gift certicates early or treat yoursetf Call 1.800.99ARDEN or with a spa package from Elizabeth Arden Red Door Salons. visit www.reddoor I Elizabeth Arden salons-con. Earn double points from April 10th to May 10th on any red door salon & spa purchase of $150 or more online or in a Red Door Salon. (Bonus ID 9788) Bonn Points only...at. al patalpoting Rod Ow Salan Iceaaona and lor on*e valsaakep rd veild al wry Red Do. salons Waled WThill clopartnia axes Al Rod DCOlsill**Albs pucchasad Claw we dab. lac bonus and may be medal .. Red Door Spa ell onolortes puntsased wain department sta. we Ice Cam pahta 04«val. torn Pp 101. - May Z04. Samar *mama Ins rpriy. Bran 97SS. Earn 10x Points from FTD.COM® This Mother's Day! Find the perfect way to show how much you care this Shop at www.ftd.comf Mother's Day with FTD.COM. Choose from floral amexpromo this Mothers Day. arrangements hand delivered by an FTD® Florist. Or, send gourmet chocolates, relaxing spa sets and more! Shop (Bonus ID 1675) online and earn 10x points at www.ftd.com/amexpromo. Oiler veld on sock.. Iron twattleleornIarnexpromo tnjgh 12/3104. Ca-noe be are any otter onto or spacial catmotons. NO val. on Disney. product. Toles <PDX, Ix beaus pan. you must be tweed in Pt Mentorelip Ronan.® pagan al the Wooden:chase and chew your purchase to an •Igbte, enrolled Arnetioan Exptcosb Card Dann points arc cradled to year sccoara withtn IIII2 weeks she ohne* OfQat on pr/as bldg %Werra& Born 1O6. Use GlobalPass Miles Toward Flights on Over 500 Airlines GlobalPass now offers you the unique ability to use points as To redeem, go to cash on over 500 airlines worldwide! Simply transfer amedcanexpress.comf rewards or call Membership Rewards® points to GlobalPass and use 1-800-AXP-EARN GlobalPass Miles to purchase a SuperAwards' ticket on (297-3276) www.globalpass.com on any scheduled flight worldwide on over 500 airlines. 1,000 Membership Rewards points equals (MR Message 6341) 1,000 GlobalPass Miles. Redeem Points for Dell Home System Certificates Dell--makers of some of America's favorite PCs-allows you to To order your Dell create your own personalized system and save hundreds of certificates, visit DOLL dollars at the same time. Just redeem points for a Dell Home System Certificate and use it toward any Dell Inspiron® notebook or Dimension® desktop at www.dell4me.com. Di:costa good on nswpbcobases only Oro* Doi Horne Systems Co. Del Wein= can &tons wil re( Donor Manterst.Rwards. Cefral. Certriacs oannalbe mod ankle. www.amertcartexpress. comirewards or call 1.800-AXP-EARN (297-3276). Then redeem your offer by calling 1.888.686.3355 today! (MR Message 0488) Roy' s Membership Rewards® Certificates Enjoy delicious dishes from Roy's award-winning menu. To redeem points visit Founded by James Beard award winner Chef Roy www.amerloartexpress. comfrewards or call Yamaguchi, Roy's has become well known throughout the 1.800-AXP-EARN world for its innovative Hawaiian Fusion Cuisine--the freshest (297-3276). local ingredients, European sauces, bold Asian spices with a focus on fresh seafood. Redeem Membership Rewards (MR Message 4211) points for a $50, $100, or 8200 certificate good toward your dining experience at Roy's. To find the nearest Roy's location, visit www.roysrestaurant.com. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704735 DUPLICATE COPY For Account Ntsnbur Clociv Dab Page 7 of 7 04/02/04 aft. CUStOMEXtrar " Save 25% on ExpensAble Expense Reporting Software To purchase or for more information, visit Late turning in your expense reports? Join the crowd. Now, a solution open.americanexpress. is at hand. ExpensAble replaces paper forms or spreadsheets with an comfexpensable. intuitive, easy-to-use software solution. Loaded with powerful convenience features, including pre-filing (CE 104330) ExpensAble expense reports with Business Card data at the touch of your mouse! Save 25% when you purchase ExpensAble with your Business Card. Payment must be made with an American Express. Business Card. The discount appear on the Cardmember's monthly statement, and is only available directly through ExpensAble. Participation and offer are stilled to change without notice. Terms and Conditions apply. Get a $10,000 to $100,000 Line of Credit Cell 1.800.276-2504 to apply. Or for more There are so many things that can require a quick infusion of cash. information a to apply Luckily, as a member of the OPEN Network, the Business Capital Line online, visit Business is there for you. Whether you're looking to invest in new office equipment, or just make payroll, the Business Capital Line is a great open.amencanexpress. comrworkingcapital. Capital way to give your business the flexibility to handle almost anything. The application is simple and takes less than ten minutes to (CE 104250) Line complete. And, best of all, NO collateral is required and 100% of your line of credit is available as cash. Apply today. Subject to credit approval, not all customers may qualify. All applicants must have been in business for at least two years. Once approved, the status of your account will be reviewed annually. Upon review you may be contacted to provide additional information. Borrow up to $100,000 for as Low as 7.99% For a fast decision, apply online at The Business Capital Loan from OPEN: The Small Business open.americanexpress. Network" is an unsecured installment loan with repayment terms of conflusinessloan. 24 or 36 months. The simple application process and quick approval (CE 104256) times allow you to receive your funds within two days. It is ideal for EUSiNES °VITAL LOAN large capital expenditures such as business expansions or office renovations, and the fixed monthly payments make planning a lot easier. Subject to credit approval, not all customers may qualify. All applicants must have been in business for at least two years. Pay Your Bills Automatically with Your Business Card To learn more, go to open.amerloanexpress. Take advantage of Automatic Bill Payment, a fee-free benefit of your comrautomaticbill. AUTOMATIC American Express@ Business Card that can help make sure your BILL business bills get paid on time, every time. It's a time-saving, convenient way to manage cash flow--and you can use it to pay a wide variety of service providers. Plus, you can earn Membership (CE 104260) PAYMENT with American Exp ess Rewards@ points for each bill you pay with Automatic Bill Payment. Contact your service providers to enroll. OPEN Network Business Travel Center Book your next business trip at In addition to savings of up to 20% on domestic flights* and the ability open.americanexpress. to search and book flights on low cost carriers, the OPEN Network conUbusInesstravel Business Travel Center now offers exceptional hotel rates through the or call 1.866-400.OPEN (6736). Preferred Extras Hotel Program. When you book your hotel reservations with the OPEN Network Business Travel Center, you can (CE 104329) find some of the best unrestricted business rates available with our participating partners. 'On aggregate, clients can save an average of 8-10% on their airline expendtures. Discounts are based on specific fare classes and availability at the time of inking. Additional Terms and Conditions apply. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704736 DUPLICATE COPY Blue for Business" OPEN Membership Rewards€ Points'Available at 03/31/04, othen charges due are paid in: SNAIL BUSINESS NETWORK" full and alllaccounts ge (n good standintri Account Number Cl m DM) 05/03/04 Page I of 7 mme0.,n41 Minimum inc.mptrients Payment Due Date Previtas Balance S Acivity Fame. °tam% any NM' Sidra Amount Due 05/28/04 1,476.70 -600.00 +582.16 n1,458.86 29.00 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Crecit Cash Advance Availabe Cash Summery Une $ Une Limit Limit $ on 05/03/04 11,300.00 9,841.14 2,300.00 2,300.00 To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Introducing OPEN Savings'" No Coupons. No Codes. No Kidding. OPEN Savings is an easy way to save at places like AT&T, FedEx®, Hertz, Staples® and others. There are no coupons, codes or complications. Plus, the savings are in addition to others you may already receive. Simply use your American Express® Business Card and see your savings every month on your statement. Use your Card and start saving! To learn more, go to open.americanexpress.com/savings. Payment must be made with an American Express Business Card. Participation and offers are subject to change without notice. Terms and Conditions apply. For more information, please visit open.americanexpress.com/savings. Activity •Ideassmanada Amount5 04/21/00 P `I90"Isc7 ThenkYou , -600 00 Amounts 04/02/04 CROWN 11908920 GAITHERSBURG MD 29.40 CROWN GAS/MSC:8783040311908920 0% INTRO RATE 04/03/04 GIANT FOOD 1245 GEFIMANTOWN MD 48.34 GROCERIES/SUNDRIES 0% INTRO RATE 04/08/04 GIANT FOOD 1245 GERMANTOWN MD 40.12 GROCERIES/SUNDRIES Pkass kid a, tie raltwalon bdcw. dish andmum with yo" payment Continued on Page 3 Payment Due Date: Please enter account Payment Coupon 05/28/04 number on all checks and correspondence. Total New Balance Make check payable to $ 1,458.86 American Express. Minimum Amount Due To avoid additional $29.00 Finance Charges onNew Purchases, pay the GAITHERSBURG MD 20877-1450 Balance before the Payment Due Date. • Check horo if address or I telephone number has Amount enclosed changed. Note changes on reverse side. Mail Payment to: AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 02 d EFTA01704737 DUPLICATE COPY Page 2 of 7 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments, must be in US Dollars and drawn cn a bank located in the US (other than a line of credit check issued by American Express Bank, FSB a American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated cheeks. They will be deposited upon receipt, If payment is made in any other form or at any other location, there may be a delay In processing. We reserve the right to process To Pay By Phone checks electronically , at first presentment and any re-presentments, by transmitting the amount of the check, 1.800.472.9297 routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we can nol collect the funds electronically at first Customer Service presentment,we mayissue a draft against your account for the amount of the check 1-877-258-3254 Authorization for Electronic Payments: By using the American Express Pay By Computer Pay By Phone or any 24 hours/7 days other American Express electronic payment service, you will be authonting American Excess to initiate an electronic debit to the financial account you specify in the amount you recites'. To use Pay By Computer, please Lost or Stolen Card visit us at www.arnericanexpress.com. 1-800.521.6121 Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your paper statement_ or dick on the Customer Service link online. Outside the U.S contact the nearest American Express Travel ServiceOffice or call anylocal American Expressoffice. International Collect Finance Charges: Average Daily Balance Method for Calculation of Finale. Charges:We use the Average Daily 1-623-492-7719 Balance methodto calculate Finance Chargeson your Account. Under this methcd,we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as describodbelow) for each feature (such as Hearing Impaired Purchase, Cash Advance and Balance Transfer features) of your Account (induding current transactions). To get the (9am-5pm EST) Average Daily Balance for each feature, we (1) take the beginning balance kr the feature each day (Including unpaid TTY: 1.800.221.9950 Finance Charges from previous billing periods), (2) add any new transactions, deoits,or fees, (3) subtract any payments or FAX: 1-800-695-9090 credits, and (4) make any appropriate adjustments.For each day after the first dew of the billing penal, we also add an amount of interest equal to the previous day's daily balance multiplied by the daily periodic rate In NY: 1.800.522.1897 • for the feature. This gives us the daily balancefor the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the biting period. This gives us the Average Daily Balance for the feature. Poo all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on yoit previous month's statement by the Payment Due Date shown on that statement. If you muliply the Average Daily Balance for each feature by the number Correspondence of days in the tilling period and the daily periodic rate for that feature, he result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total FinanceCharge for the tilling period Customer Service is calculated by adding the Finance Charges assessed on a features of the Account. This method of calculating. the P.O. Box 7863 Average Daily Balance and Finance Charge results in daily compounding of Finance Charges. The minimum Ft. Lauderdale, FL Finance Charge for any billing period in which Finance Charges are imposed is $0.50. 33329-7863 In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.com, or you can call us at 1-8004PAY-AXP for Pay Ey Phone and Pay By Computer issues, Payments or 1-BOO-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash PO BOX 360002 Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrom FT LAUDERDALE please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST FL statement on which the problem or error appeared. 33336-0002 When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as dearly as you can why you believe there is an error or whyyou need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think s in error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Bank, ES9 or American Express. Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1-800-518-8866. Change of Address if cam! on ROO do not tea Name Company Name Sheet Addrap Cly. Slate r I J zo Cade Provking your email Atea Code and address to American Home Phone Express willenatle you Area Cede and ...... I to receivespecialoffers, Work Phone tuned to your needs. Email EFTA01704738 DUPLICATE COPY PI ad For Closic Oasa Page 3 of 7 05/03/04 New Activity continued 04/08/04 CROWN 11908920 GAITHERSBURG MD 26 79 CROWN GAS/MSC9005040911908920 04/10/04 GIANT FOOD #245 GERMANTOWN MD 84,06 GROCERIES/SUNDRIES 04/10/04 MONTGOMERY COUNTY DLGERMANTOWN MD 6300 PACKAGE STORE/LIDUOR ROC No. 0000000347 04/12/04 CROWN 11908920 GAITHERSBURG MD 26.48 CROWN GAS/MSC0865041311908920 04/13/04 OFFICE DEPOT, INC. GAITHERSBURG MD 11.85 OFFICE PROD. & SUPPLIES EPSON ERC-09 PURPLE MATRX PAPER,LINEN,25%,24#,80,IVORY ROC No. 350013352 04/13/04 GAITHERSBURG PARTY RGAITHERSBURG MD 28.25 301.963.9011 04/17/04 GIANT FOOD #245 GERMANTOWN MD 17.95 GROCERIES/SUNDRIES 04/19/04 CROWN 11908920 GAITHERSBURG MD 29.15 CROWN GAS/MSC4190042011908920 04/20/04 GIANT FOOD #245 GERMANTOWN MD 19.29 GROCERIES/SUNDRIES 04/23/04 GIANT FOOD 5245 GERMANTOWN MD 22.49 GROCERIES/SUNDRIES 04/26/04 DUNKIN DONUTS/BASKINGAITHERSBURG MD 10.98 FOOD/BEVERAGES 04/26/04 CROWN 11908920 GAITHERSBURG MD 31.87 CROWN GAS/MSC7018043011908920 04/28/04 GAITHERSBURG PARTY RGAITHERSBURG MD 11.30 301-963-9011 04/29/04 GIANT FOOD #245 GERMANTOWN MD 26.14 GROCERIES/SUNDRIES 04/30/04 OFFICE DEPOT, INC. GAITHERSBURG MD 9.92 OFFICE PROD. & SUPPUES EPSON ERC-09 PURPLE MATRX EPSON ERC-23 RIB BLK/RED ROC No. 350141771 04/30/04 CROWN 11908920 GAITHERSBURG MD 30.49 CROWN GAS/MSC8906050111908920 05/03/04 Periodic FINANCE CHARGE 3.40 Total of New Activity 582.16 Condnuod on merge EFTA01704739 DUPLICATE COPY Page 4 of 7 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this period: 31 Balance $ Periods Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE S Purchases 286.51 0.0383% 13.97% 13.99% 3.40 Cash Advances 0.00 0.0520% 0.00% 18.98% 0.00 3.40 Certain of the periods rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704740 MembeiViWilefillits Options- Monthly Statement and Page 5 of 7 Program News American Express , For questions about your Statement Period Membership Rewards account, contact March 1, 2004 • March 31, 2004 Account activity after this period does not appear on this statement 1-800-AXP-EARN (297-3276) Available Points www.americanexpresacoriVrewards 1,380 American Express Membership Rewards PO Box 297813 Points are available when charges are paid in full and all your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 507 New points earned +873 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 1,380 New Points Earned 03/01/04 - 03/31/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 873 0 873 Totals 873 0 873 thortershp Rewards Coats pants earned /rove. Ifalleetied or redeemed as lorg a, ail °medal Card accosts are m coed claming. Ports Iraraftned a redeemed cannel be reversal back rio Mope:gram Forlelted points can be reinstated for a fee by calling the number Provided below. Nee Card Naga are imitincd in tio Vorrboraim Reelbt Criers program Term and Cordtons in you, flernbersbp Roaardo ChMons Guee. M you lime questions. rismevisit derma merkanexpressoonPmentbeyshIprewardsoptIons or call I 403-AXP.EARN (297-3276). Fran orocsoas.cal mead S05-8162799. Earn More! New ways to earn points. Important Notice of Membership Rewards® Program Changes Effective May 1, 2004, eligible Cardmembers will no longer (MR Message 6195) accrue two Membership Rewards points for virtually every dollar charged at stand-alone hardware and home improvement stores. Instead, Cardmembers will accrue one point for every dollar charged at such stores. PrOdiam changed Neglir cry io Rewards Omen & God, Preened Rewards Green & Odd Rewards Flue God. Kix osn CEOS. CeoluticoO Caret Gold Fauna.", ONE F narctal Account Pladrosn Card, Pirarnrn Finarcial Semites Card. Fideley Amercan E,press Gaon God and Plaikeen Cads. Oct* Catetnernben not monde to mend mope:its tor every dollar charged n the US. at quadri starddlcoe SUpterWkett Oh/VG:ft gas slam. the ll.9. NNW Sento. aim or WINiO32 prone td psymenb. Balk walleyes d nifet63 um moue ody era pore per agar Reward the People You Love Now you can use Membership Rewards• points to celebrate To redeem points for The Capital Grille $100 or $250 Mom, Dad and grads. Just redeem Membership Rewards certificate, visit points for a gilt certificate good at The Capital Grille. Treat www.americanexpress. them to our famous dry-aged steaks, chops and fresh cam/rewards or call seafood. Award-winning wines. Impeccable service. All in the 1-800-AXP-EARN elegantly relaxed atmosphere we are known for. (297-3276). (MR Message 3233) Now open in Fort Lauderdale. Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704741 ATE COPY Page 6 of 7 Rewarding News from American Express Amesitan Ex • Trge Coming soon for a limited time, we will otter you the To get started now with opportunity to earn additional Membership Rewards® points Automated Bill Payment, visit www.american just for paying your bills in select industries when you sign express.comlabp33 for up for Automatic Bill Payment. Automatic Bill Payment is a lines and phone numbers simple way to consolidate your payments and make sure of providers who accept that your bills are paid on time and you'll have fewer checks the Card for automatic bill payment or for more to write. Watch your mailbox for the dates on the great information. promotion. (MR Message 1173) Attend Golf School at Hilton Head! Experience world-class golf instruction from Golf Academy of To redeem Membership Hilton Head at Sea Pines. Redeem Membership Rewards® Rewards points visit, vnintamedcanexpress. points for golf instruction from Class A PGA professionals! conVrewards or call School sessions include instruction, personalized 1.800-AXP-EARN improvement manual, lunch, and more. Schedule a one-day (297-3276). golf school for 50,000 Membership Rewards points, a two- (MR Message 4172) day golf school for 100,000 points or a three-day golf school for 175,000 points. Please call 1-843-785-4540 or visit www.golfacademy.not for more information. Ionic Breeze® - the Most Trusted Air Purifier! To redeem Membership THE Redeem Membership Rewards® points and realize the benefits of reduced allergens and dust with a Sharper Image Rewards* points for Shaper Image items, visit SHARPER Ionic Breeze® Quadra® Silent Air Purifier. The best-selling Ionic Breeze® offers silent operation, efficient air cleaning www.americanexpress. corn/rewards or 1.800-AXP-EARN IMAGE* and odor reduction, as well as no replacement filters, low energy use and 24-7 air cleaning in every room. (297-3276) (MR Message 4047) 10x Points Plus the Perfect Gift at GiftSense.com Earn 10X points at /"Thn Gift Sense's' online shopping provides smart ideas and answers for every gift-giving need this Spring--all in one wvinv.giftsense.com/ s Gift 2/i convenient place--plus you can earn 10x Membership Rewards® points! A trusted partner of FTD.COM®, amexmrl everyday and all year. I Sense www.GlftSense.com offers quality products, dependable delivery, secure transactions and guaranteed satisfaction. (MR Message 5287) ens 1201/04. Nd veil In Mae Man a volh ollwr disc.. Prockellybe.,d e. 440119. To earn bonus points, you nun be em:0icl hto Kkaltershp Rewards RowanIF Mend Fulobooe. auSOW• Me parches lo en coat% moo umerbanEven* Gait Data pins no be wedged to your at we wayn 1042 week. Wan Ko: sec Introducing a Nike Golf Exclusive Nike Golf would like to introduce the Tiger Woods package Redeem now at for 55,000 Membership Rewards® points (NIKE20). This www.amedcanexpress. com/rewards or call N I K E G O L r exclusive package features the Nike Ignite Driver, a dozen 1.800-AXP-EARN Nike One Golf Balls and The Upper Deck Tiger Woods (297-3276). special collectible tin trading card set. This offer is only available while quantities fast. (MR Message 4221) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704742 DUPLICATE COPY Pt For Clx.ng Date Page 7 of 7 05/03/04 a ,...CustomExtras rt. AOL® for Small Business! Try It FREE for 45 Days! To sign up, visit opon.amortcancxpress. Try AOL® for Small Business, a version of AOL designed for small com/aolsb2. business owners and decision-makers. Access business savings, Already an AOL Member? A AOL online marketing tools, expert advice, priority support, and more! Network with other small business professionals. Learn how to start, Go to AOL Keyword: Small Business for service details. grow and manage your business! Sign on to AOL for Small Business Small today and get your first 45 days FREE! (CE 104440) Business Free trial must be used within the first 45 days of initial sign-up. To avoid being charged a monthly fee, simply cancel your membership before trial period ends. Monthly fee varies by plan selected. Dunng trial period, premium services carry surcharges, communication surcharges may apply in certain areas, and members may incur charges on phone bills depending on calling plan and location. Offer for new AOL members in U.S., 18 or older. American Express Business Card is required for registration. Get a $10,000 to $100,000 Line of Credit Call 1.600.276.2504 to apply. Or for more There are so many things that can require a quick infusion of cash. information or to apply Luckily, as a member of the OPEN Network, the Business Capital Line online, visit is there for you. Whether you're looking to invest in new inventory, or openamerfcanexpress. just make payroll, the Business Capital Line is a great way to give comfworicingcapital OPEN SMALL BUSINESS NETWORK' your business the flexibility to handle almost anything. And best of all, NO collateral is required and 100% of your line is available as cash. (CE 104444) Apply today. Subject to credit approval—not all customers may qualify. All applicants must have been in busness for at least 2 years. Once approved, the status of your account will be reviewed annually. Upon review you may be contacted to provide addtional information Cardmember Notification (CE 104441) Effective June 1, 2004, the savings offered through Everyday Savings at Cingular Wireless to American Express Business Cardmembers will no longer be available. Cardmembers who have signed up for qualifying plans before June 1, 2004, will continue to receive the OPEN SMALL BUSINESS NETIVOINC savings per the terms of the offer. Effective April 1, 2004, access to the Epinions Web site through OPEN: The Small Business Networks" will no longer be available. Enjoy the Rewards from Paying State Business Taxes For details, visit whvw.officialpayments. Paying taxes has its good points. Earn one Membership Rewards® corniamexlisp or call point for virtually every dollar you charge for state business taxes and toll-free at fees on your eligible, enrolled American Expresso' Card. Simply use 1.666.6214109. your Card to make a payment with Official Payments Corp.® at (CE 104438) www.officialpayments.com/amex7.1sp or call 1-800.2PAY-TAX (1-800-272-9829). Note: All tax payments made with the Card are subject to a convenience fee charged by Official Payments Corp. Acceptance of card payments, business tax types, and the convenience fee vary by stale For complete details about fees and participating states, visit Official Payments Corp. online. Terms and Conditions of the Membership Rewards program apply. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704743 DUPLICATE COPY 'Zeal Blue for Business's' OPEN • 0IRIRowe SMALL BUSINESS NETWORK" i;!Q ,M.I6*,00±0140040ft Af ,, . MIT,9Mr?"2 1,2 s0,4 : AzotiN ',Amber onirgData 06/02/04 Pagel of 8 New Aclioily Minimum Ire. AdjustmorM aid Payment Due Date Previous fedoneeS Paymool AofoOyS Faxed Gnepee I aw New Balance$ Amount Due $ 06/27/04 1,458.86 -400.00 +392.65 -1,451.51 29.00 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Avaiab:e Cash Summary Line $ Line $ Limit $ Unit $ on 06/02/04 11,300.00 9,848.49 2,300.00 2,300.30 To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity .1`4"`"*"'"' Amounts Thank VOu AMOUMS 05/03/04 USPS 1050050998 GAITHERSBURG MD 37.00 POSTAL SERVICES 05/08/04 GIANT FOOD1284 ROCKVILLE MD 7.73 GROCERIES 05/06/04 GIANT FOOD 8245 GERMANTOWN MD 10.12 GROCERIES/SUNDRIES 05/08/04 CROWN 11908920 GAITHERSBURG MD 32.13 CROWN GAS/MSC2948050911908920 05/10/04 GAITHERSBURG PARTY RGAITHERSBURG MD 11.30 301-963,9011 05/1W04 GIANT FOOD 1245 GERMANTOWN MD 36.04 GROCERIES/SUNDRIES 05/11/04 OFFICE DEPOT, INC. GAITHERSBURG MD 12.51 OFFICE PROD. & SUPPLIES PAPER,ADD,3X128,10PK,WHITE PAPER,ADD,225X130,12PK,WHITE ROC No. 350018370 Please rod on the cerfcrabon Wow.60.a:handrabm orNi your paynsit Continued on Pegs 3 Payment Coupon Payment Due Date: Please enter account 06/27/04 number on all checks and correspondence. Total Now Balance Make check payable to $ 1,451.51 American Express. Malli 7-1450 Minimum Amount Due To avoid additional $29.00 Finance Charges on purchases, pay the New Balance before the Payment Due Date. Check here it address or • telephone number has Maul enclosed changed. Note changes on reverse side. Mail Payment to: H.LIOduHLOUILLLLIIMULULdullind AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I 0001451511300002900 02 rl EFTA01704744 DUPLICATE COPY ad Fce Page 2 of 8 >S6 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in process!ng. We reserve the right to process • To Pay By Phone checks electronically , at first presentment and any re-presentments, by transmtling the amount of the check, 1.800.472.9297 routing number, account number and check serial number to your financial institution. Your checidng account may be debited as soon as the same day we receive your payment. If we can not collect the funds electronically at first Customer Service presentment, we may issue a draft against your account for the amount of the check 1.877.258.3254 Authorization for Electronic Payments: By using the American Express pay By Computer, Pay By Phone or any 24 hours/7 days 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 Lost or Stolen Card visit us at vivnv.amoricanoxpress.com. 1.800.521.6121 Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number inckated on your paper statement , or crick on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service Office or call anylocal American Express office. International Collect Finance Charges: Average tally Balance Method for Calculation of Finance Charges:We use the Average Daily 1.623.492.7719 Balance method to calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as describedbelow) for each feature (such as Hearing imgaired Purchase, Cash Advanceand Balance Transfer features) of your Account (including current transactions). To get the pm Average Daily Balance for each feature, we take the beginning balance for the feature each day (indulng unpaid (TTY 1.800221-9950 Finance Charges from previous tilling periods), 2) add any new transactions, debts, or fees, (3) subtract any payments or FM: 1.800-695.9090 credits, and (4) make any appropriate adjustment s. For each day after the first day of the billing period, we also add an amount of interest equal to the previous day's dai balance multiplied by the dolly periodic rate In NY: 1400522-1897 for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up al the daily balances for the feature for the tilling period and divide the total by the number of days in the bang period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance O will bo considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Pa t Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number Correspondence of ad ys in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by roundmg. The total Finance Charge fcr the billing period Customer Service is calculated by adding the Finance Charges assessed on all features of the Account. This method of calculeng the P.O. Box 7863 Average Deily Balance and Finance Charge results in daily compounding. of Finance Charges. The minimum Ft. Lauderdale, FL Finance Charge for any billing period in which Finance Charges are imposedisS0.50. 33329-7863 In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.amencanexpress.comt or you can call us at 1.800-IPAY-AXP for Pay By Phone and Fay By Computer issues, Payments or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also wnte to the Express Cash PO BOX 360002 Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, FT LAUDERDALE please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST FL statement on which the problem or error appeared. 33336-0002 When contacting us: 1. Ten us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or whyyou need more information. We will investigate your complaint and coned any error promptly. If we take more than 10 business days to do this, we win credit your account for the amount you think is in error, so that - you will have use of the money during thetime ft takes us to compieteour investigation. Creditor: American Express Bank, FSB or Amencan Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1-800-518-8866. Change of Addreso If coloct co Icon, do nut use Mete Car parry Name Strati Address Ciy. &aro Lo Code rii Providing your email Asoa code and address to American Homo Phone Express will enable you tO receive Special offere j Area Gods arid Work Phone suited to your needs. Erna EFTA01704745 DUPLICATE COPY Pr II od Fa OSP.; Ocdo Page 3 of 8 06/02/04 AMOunt$ New Activity continued 05/15/04 15730 SHADY GROVE ROGAITHERSBURG MD 29.55 23068893180137263054280 ROC No. 0046086ISL 05/15/04 GIANT FOOD 8245 GERMANTOWN MD 18.16 GROCERIES/SUNDRIES 05/22/04 GIANT FOOD $245 GERMANTOWN MD 46.34 GROCERIES/SUNDRIES 05/27/04 THE HOME DEPOT 2550 GAITHERSBURG MD 52.47 HOME IMPROVEMENT 05/27/04 OFFICE DEPOT, INC. GAITHERSBURG MD 9.92 OFFICE PROD. & SUPPLIES EPSON ERC-09 PURPLE MATRX EPSON ERC-23 RIB BIX/RED ROC No 350023340 05/28004 GIANT FOOD *245 GERMANTOWN MD 27.59 GROCERIES/SUNDRIES 05/29/04 CROWN 11908920 GAITHERSBURG MD 32.31 CROWN GAS/MSC2535053011908920 05/29/04 GIANT FOOD 9245 GERMANTOWN MD 12.26 GROCERIES/SUNDRIES 06/02/04 Periodic FINANCE CHARGE - 7.22 Total of New Activity 392.65 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Period: Billing days this penod: 30 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 1,49928 0.0383% 13.97% 13.99% 17.22 Cash Advances 0.00 0.0520% 0.00% 18.98% 0.00 17.22 Certain of the periodic rates and APRs above may be vanab'e. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described In your Cardmember Agreement as currently in effect. EFTA01704746 DUPLICATE COPY Pg • cd Fcr Page 4 of 8 EFTA01704747 MembeIVINCIfefidits Options"' Monthly Statement and Page 5 of 8 Program News American Express' For uestions about your Statement Period Me Rewards account, contact April 1, 2004 - April 30, 2004 Aco3urk activityafter this period does not appear on this statement 1-800-AXP-EARN (297-3276) Available Points vnra.arnericanexixess.ccriVrewards 2,387 American Express Membership Rewards PO Box 297813 Points are available when charges are paid In full and all your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 1,380 New points earned +1,007 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 2,387 New Points Earned 04/01/04 - 04/30/04 Points Activity On Bonus Points Total Poils Activity Eligible Charges Awarded Per Card 1,007 0 1,007 Totals 1,007 0 1,007 theinbashia Rewards Opdcna cora coned may be translated a 'Wormed ea bre es rd caroled Cadsweet are in red Stars Pointe !renewed a redeemed wool be revrrsW Wok Wane pogra Forfeited points can M relneleted foreign by ceding the number provided below. EligbleCard chaste we manuring* tearbecteks Free,* Cptions pagan, Tarns and Ccrateore n wis Pleabertilip Rends Cprens GuiPetau haveteesdate. &asp vim vanyamerIcanexpresseemitrianbe retreats:N.0one or cal 1-805AXP-EARel 129732761. Fran ovinsiees, oat coact 5348164M Earn More! New ways to earn points. Fly to the Caribbean with Air Jamaica! Enjoy legendary Lovebird Hospitality on the airline voted Call 1.800.523.5585 for World's Best to the Caribbean for six years in a row by reservations or visit vninv.airjamaica.com. dIcaracarncalca 'World Travel Awards'! Redeem 35,000 Membership suantat.”••••••:YarA• Rewards® points for economy-class travel to Jamaica or to (MR Message 0376) any of Air Jamaica's Caribbean island destinations including Antigua, Barbados, Bonaire, Curacao, Grenada and St. Lucia. Double points on your next family vacation! a SeaWorld. Earn double Membership Rewards& points and get family vacation when you book and pay for an adventure vacation at Sea World, Busch Gardens or Sesame Place between 6/1/04-9/15/04, for travel by 12/31/04. Create a customized Go to www.seaworld VBCBUOPIS.COM, buschgardensvacations. com or vrww.sesame placevacatIons.com, ADVENTURE PARRS vacation or choose one of the featured packages. enter code AXPFUN 0AmPAL swab. Sao Pp. and plan your trip. (Bonus ID 6625) To algae to can bonus pants, you not be enOISCI in me ateateitap Rewards pro:yarn a On Sine er purchase on an eligbe, enngodemecisan Eatessei Cad. Bann pants Nieto created as your /*teeters/1p ReWRICIS accaaleehri 6-8 %wets eller canes appear on sax blavStRNTRAL Bonus ID 6625 Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704748 American Express• ATE COPY MO enLn lP W ::1 • • •n.5 Page 6 of 8 [WAR U. Introducing the Krups Duothek Stainless Steel Therm Krups would like to introduce the Duothek Stainless Steel Redeem now at Therm (PRM359) for 31,000 points. Make coffee and tea at yAvytamerIcanexpress. KRUPS com/rewards or the same time! The Duothek Stainless Steel Therm has two ca01.800-AXP-EARN independent brewing systems, perfect for making regular (297-3276). and decaf coffee or tea and coffee. Two double-insulated, eight-cup thermal carafes keep coffee hot for hours. The (MR Message 1465) Duothek has Krups Deep Brew technology to provide you with coffee full of rich, robust flavor. Available in Stainless Steel. Join the Fun • Geoffrey's Birthday Club! Now, you can redeem Membership Rewards® points for 'R' Sign up for Geoffrey's Us gift cards! Use them to buy toys, clothing and baby items Birthday Cub for FREE at any ToysR'Us Store! in any Toys'R'Us or Babies'R'Us store. And while you're in Toys'R'Us, sign your child up for Geoffrey's Birthday Club! (MR Message 5097) Every Club member gets a birthday card from Geoffrey, a special surprise and Fun Pass for an incredible Birthday Club experience in our store. Mom gets a party planner with valuable tips and coupons. And it's all FREE! Moan don akast eight weeks km impelnedirnent to new® a tAlhday camd. Foe meal store beefs," and to tees the 'R Us Fen*Prinoy Foley. ea:11-60040Y3RUS (14300461 •7787) 01.604f wenv.toystusaornfprIvarypelley. 2x Points•Greeting Cards from Gallery Collection Stop running To The Store! Order premium quality greeting Browse our selection of cards at low, Direct-from-the-Publisher prices. Earn Double Birthday, Holiday and All Occasion Cards at Membership Rewards® points on all orders from June 1 to www.gallerycollectIon. August 31, 2004. com/amex or call (201) 641-0700 for a To be elcba So exn Eaten pnats, TOJ must bb or coxed is t,a Erselatresh'p Rempds nod ste at the line of catalog. purchase ad you ma: elvage sots peels:no on an *IOW ervollrd Amman EnsreetEr Card. Sams point wrl be crederd b you Picerbershp Reverves smart rextnn 6.8 weeks eller <names apw: en your (Bonus ID 8684) Ulm statement Bonus JO: 8884. Redeem at GAP this Summer Summer is in the airl Welcome warm weather in breezy Visit cvww.american tiered styles and floral prints. Redeem Membership express.comirewards GaP Rewards® points this summer for Gap Gift Cards! or call 1.800-AXP-EARN (297-3276) to redeem points today. (MR Message 7008) Use Amtrak® Certificates for Business or Vacation Travel AMTRAK Northeast business travelers can take advantage of To review Amtrak rewards amenities like comfortable seating, conference tables and and redeem points, visit power outlets aboard Acela Express® between Boston, New mninv.americanexpress. com/rowards or cal York and Washington. In addition, Amtrak provides service to 1-800-AXP-EARN over 500 destinations across the country. You can redeem (297-3276). Membership Rewardse points for Amtrak certificates (MR Message 2036) ranging from $50-$300. For reservations or information, call 1.800-USA-RAIL (872-7245) or call your travel agent. kaiak e-d Awls Express we 'Nitrated taste marts d lie Nalisnal Flailva1Passenper Ceretralca. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704749 DUPLICATE COPY Fr Ad Fa Acccont htmtrar Clcsirg Pagel of 8 06/02/04 CustonnExtras- Pay Your Bills Automatically with Your Business Card Call your service providers to enroll. Take advantage of Automatic Bill Payment, a fee-free benefit of your To learn more, go to AUTOMATIC American Express® Business Card that can help make sure your open.americanexpress. BILL business bills get paid on time, every time. It's a time-saving, comiautomaticbill. convenient way to manage cash flow--and you can use it to pay a (CE 104549) wide variety of service providers. Plus, you can earn Membership PAYMENT American Express with Rewards® points for each bill you pay with Automatic Bill Payment. OPEN Network Business Travel Center Book your next business trip at In addition to savings of up to 20% on domestic flights* and the ability open.amerfcanexpress. to search and book flights on low cost carriers, the OPEN Network comrbusInesstravel or BusinessTravel Center now offers exceptional hotel rates through the call 1-866-400-OPEN Preferred Extras Hotel Program. When you book your hotel (6736). OPEN SIAALL BUSINESS NETWORK' reservations with the OPEN Network Business Travel Center, you can find the best unrestricted business rates available with our (CE 104550) participating partners. 'On aggregate, diet can save an average of 8-111% on their airline expenditures. Discounts are based on specific fare classes and availability at the time of booldng. Additional Terms and Coodtions apply. Introducing OPEN Savings" Use your Card and start saving! No Coupons. No Codes. No Kidding. OPEN Savings Is a new easy To learn more, go to way to save at places like AT&T, FedEx®, Hertz®, Staples®, and open.amencanexpress. others. Plus, the savings are in addition to other savings you may cornhavings. already receive. Simply use your American Express® Business Card OPEN WALL OUsINISS NtIVOluC and see your savings on your statement. (CE 104551) Payment must be made with an American Express Business Card. Participation and otters are subject to change without notice. Terms and Conditions apply. For more information please visit open.amerIcanexpress.comisavIngs. Business Capital Loan from American Express For a fast decision, apply online at Do you need money for a business initiative that you can pay back open.ameticanexpress. over time? If so, then the Business Capital Loan from OPEN: The com/businessloan Small Business Network'" is a convenient source of capital for your or call 1.988.771-9090. business. It gives you the power to select the amount you need and (CE 104555) BUSINESS BAPIMLLOAN the terms of your repayment. The application is simple with no additional paperwork required in most cases. Plus, the approval process is quick, so you will have the money you need before you know it. Subject to credit approval, not all customers may cagily. All applicants must have been in business for at least 2 years. Get a $10,000 to $100,000 Unsecured Line of Credit Call 1.800-276-2504 to apply, or for more There are many things that can require a quick infusion of cash. information or to apply Luckily, as a member of the OPEN Network, the Business Capital Line online visit Business is there for you. Whether you're looking to invest in new inventory, or just make payroll, the Business Capital Line is a great way to give open.amerIcanexpress. comfworldngcapital. Capital your business the flexibility to handle almost anything. And, best of all, NO collateral is required and 100% of your line is available as (CE 104547) Line cash. Apply today. Subject to credit approval, not all customers may qualify. All applicants must have been In business for at least two yen Once approved, the status of your account will be reviewed annually. Upon review, you may be contacted to provide additional information. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704750 DUPLICATE COPY Page 8 of 8 Share the Rewards - The American Express Donation Site Use your Card to donate to a favorite charity at Charitable giving is now even easier when you use your Card at the vawr.americanexpress. American Express Donation Site. com(donate. Make a donation to any of over 850,000 U.S. charitable (CE 104556) organizations. You can give to multiple charities in one transaction or set up Recurring Donations to a favorite charity. Donations are tax deductible and you will receive an instant e-mail receipt for tax purposes. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704751 DUPLICATE COPY 2,963 Blue for Businesssm OPEN Memberihip,ftevitards0 PoInts Available at 05/31/64, when charges due are paid in SMALL BUSINESS NETWORK" full and all accounts are in good standng.; Fe! AomidNierber Clocker Dale 07/02/04 Page 1 of 7 Now AO* S Minimum is roc and Payment Due Date Previous &Iona $ Palmeri AdMVS Mtn Finrceit hew Mance S Amount Due $ 07/27/04 1,451.51 -600.00 +246.55 =1,098.06 • 22.00 Please refer to page 2 for important information rega•cing your account Credit Line Total Credt Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 07/02/04 16,300.00 15,201.94 3,260.00 3,260.00 Please note, your credit limit is $16,300.00 and your cash limit is $3,260.00. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877.258.3254. Activity It 'sra"edm• AmountB C6(03/04 THE HOME DEPOT 2550 GAITHERSBURG MD 60,68 HOME IMPROVEMENT 06/07/04 GIANT FOOD 4245 GERMANTOWN MD 32.28 GROCERIES/SUNDRIES 06/08/04 GAITHERSBURG PARTY RGAITHERSBURG MD 11.30 301.9663-9011 06/08/04 CROWN 11908920 GAITHERSBURG MD 3426 CROWN GAS/Iy1SC6560060911908920 06/11/04 OFFICE DEPOT, INC. GAITHERSBURG MD 9.92 OFFICE PROD. & SUPPUES EPSON ERC-09 PURPLE MATRX EPSON ERC-23 RIB BLK/RED ROC No. 350036315 06/12/04 GIANT FOOD 4245 GERMANTOWN MD 19,10 GROCERIES/SUNDRIES + Pbeas lee ceittopolcialca tolow detach and returnveth your permed Continued on Page 3 Payment Due Date: Please enter account Payment Coupon 07/27/04 number on al checks and correspondence. Total New Balance Make check payable to $ 1,098.06 American Express. J12111r. GAITHERSBURG MD 20877.1450 Minimum Amount Due To avoid additiOnal $2200 Finance Charges on Purchases, pay the New Balance before the Payment Due Date. hddll.d.hh.0.d.AhdilddhAdAdd"H Check here if address or • telephone number has Amount enclosed changed. Note changes on reverse side. Mail Payment to: HdlI oUlAddhld.hadhllallhdullad AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 Wh.0.A.M.HoLdh.lin.dAhdd.“Idl 000109606000002200 02 rl EFTA01704752 DUPLICATE COPY Page 2 of 7 NOS Payments: Payments received after 12:00 noon or on weekends or hoICays may not be credited until the next business day. Payments,must be in US Dollarsand drawn on a bank located in the US (other than a line of credt check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment :n the enclosed envelope with the remittance stub attached and account number indicated on the check Please do rot send post-dated checks. They win be deposited upon receipt. If payment is made in any other loan or at any other location, there may be a delay in processing. We reserve the right to process To Pay By Phone checks electronically , at first presentment and any re-presentments, by transmitting the amount of the check, 1.800-472.9297 routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we can not collect the funds electronically at first Customer Service presentment, we may issue a draft against your account forthe amount of the &sett. 1.877-258.3254 Authorization for Electronic Payments: By using the American Express Pay By Computer Pay By Phone or any 24 hours/7 days 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 Lost or Stolen Card 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 1-800-521-6121 paper statement, or dick on the Customer Service link online. Outside the U.S. contact the nearest Amencan Express Travel ServiceOffice or call any local American Express office. International Collect Finance Chargos: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily 1-623-492-7719 Balance method to calculate Finance Charges on your Account. Under thismethod, we figtre the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as cfescribedbelow) for each feature (such as Hearing Impaired Purchase Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the (9arn-5pm EST) Average Daily Balance for each feature, we (1)stake the beginning balance for the feature each day (including unpaid TTY: 1-800-221.9950 Finance Charges from previous billir.g periods), (2) add any new transadions,debits,or fees, (3) subtract any payments or FAX: 1-800-695-9090 credits, and (4) make any appropriate adjustmen .For each day after the first day of the billing period, we also add an amount of interest equal to the previous day's dilly balance multiplied by the dolly periodic rate In NY: 1-800-522-1897 • for the feature. This owes us the daily balance for the feature for that day and the beginning balance for the feature fcr the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature, For all features except Cash Alliances and certain promotions, the Average Daily Balance MI be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Dale shown on that statement. It you multiply the Average Daily Balance for each feature by the number Correspondence of days in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the baling period Customer Service is calculated by addng the Finance Charges assessed on all features of the Account. Thus method of calculating the P.O. Box 7863 Average Daily Balance and Finance Charge results in daily compounding of Finns Charges. The minimum Ft. Lauderdale, FL Finance Charge for any biding period in which Finance Charges are imposed is $0.50. 33329-7863 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, Payments or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash PO BOX 360002 Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, FT LAUDERDALE please Canted us as soon as possible. We must hear from you no later than 60 days alter we sent you the FIRST FL statement or which the problem or error appeared. 33338-0002 When contacting us: 1. Toll us your name and account number; 2 Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or whyycu need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will creed your account for the amount you think is in error, so that you will have use of the money during the lime it takes us to complete our investigation. Creditor: American Express Bank, FSB or Amencan Express Centurion Bank New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1.800-518.8866. Change of Address I correct con from de net use Name Sampans Norm Street Adcheso r CO. State Zus Cade 1 Providing your email Attea Code and address to American Herne Peer* Express will enable you Area Cede and to receive special offers, aimml Work Phone suitedto your needs. Ems EFTA01704753 DUPLICATE COPY Page 3 of 7 Nam a 07/02/04 Amount $ New Activity continued 06/17/04 CROWN 11908920 GAITHERSBURG MD 35.21 CROWN GAS/MSC0374061811908920 08/18/04 GIANT FOOD 8245 GERMANTOWN MD 28.87 GROCERIES/SUNDRIES 07/02/04 Periodic FINANCE CHARGE 14.93 Total of New Activity 246.55 Finance Charges Average Daily Daly Actual ANNUAL Nominal ANNUAL . Periodic Billing days this period: 30 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 1,299.85 0.0383% 13.97% 13.99% 14.93 Cash Advances 0.00 0.0520% 0.00% 18.98% 0.00 14.93 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704754 DUPLICATE COPY Page 4 of 7 EMM EFTA01704755 MembeNfilfrtlifillits Options' Monthly Statement and Page 5 of 7 Program News American Exprcss• For questions about your Statement Period Membership Rewards account, contact May 1, 2004 - May 31, 2004 Account activity after this period does no: appear on this statement 1-800-AXP-EARN (297-3276) Available Points vomamericanexpress.com/rewards 2,963 American Express Membership Rewards PO Box 297813 Points are available when charges are paid in full and all your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 2,387 New points earned +576 Points transferred or redeemed O Reinstated points and adjustments 0 New points balance 2,963 New Points Earned 05/01/O4 - 05/31/04 Points Activity On Bonus Points Total Prints Activity Eligible Charges Awarded Per Card 576 0 576 1.1.11 Totals 576 0 576 Membemhp Reward:O06am Mai mead may to tramlorred or redeemed ra beg as al: onrceid Cudamounts atomised Mint, Pena frenoleced cc rotioanof Caned be revereed beck into lb steams. Forkhod points can be reinstated for a fee by elating dier amber provided below. embk Cad Myra WO wined intro Morrbershts Rewads Opt pregran Terms and Caddo,* In yea Morcbathip Rewards q:Eora c a.R you him succtions, pass vod wamometkanexpress.corarnembershlprowardsoptIona a cell 143C0.AXSEAFIN (237-$274). Fran ammo; cal eclat X6-816-2799. Earn More! New ways to earn points. SeaWorld and Busch Gardens Adventure Parks a SeaWorld. Experience a world of unique attractions and incredible thrills by redeeming Membership Rewardse points for tickets to SeaWorld and Busch Gardens Adventure Parks. To review these rewards and redeem points for tickets, visit veiny. americanexpress.com/ rewards or call ADVINTURI ?ARKS You can redeem for tickets for multiple parks, including 1-500-AXP-EARN tWaSs psi% Si. Pee Busch Gardens (Tampa, Williamsburg), Adventure (297-3276). Island (Tampa), SeaWorld (San Antonio, San Diego, (MR Message 3076) Orlando), Water Country (Williamsburg) and Sesame Place (Philadelphia). Mk& fa /Menton ISM (Tempe). Busch GerdWIS (Tarpa) ard Seated:1(M andMA Mach March 31, 2CC6. 'Makes la Such Gardelegleiambagt. Water Caine (WitiaTraur91 Sesame Plate (Phiadeptia)tee veld eaugh the seam. Tates we neeereptreatie bet Cf dam it Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704756 ATE COPY Page 6 of 7 EFTA01704757 DUPLICATE COPY Cleairo Dae Page 7 of 7 MIS 07/02/04 CustomExtras- Bid on Unique Prizes at Blue PLAY! Not earning Membership Rewards points for Visit the online auction where you can bid on amazing experiences virtually every dollar you with Membership Rewardse points. New auctions are posted every spend? week, and there's no fee to participate. Past auctions included luxurious spa weekends, the JVC Jazz Festival and Newport's 50th, Visit open.american eepress.comfbusiness and Legends of Boston Baseball! To see what's on the auction block, mroptions. visit open.americanexpress.comfblueplayforbusiness. (CE 104622) Membership Rewards program Terms and Cord tions apply. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704758 DUPLICATE COPY Blue for Businesss" OPEN SMALL BUSINESS NETWORK" Pt -c•I For ClosIngla 08/62/04 Page I of 5 New ActAty Minimum Payment Due Date Pravicu: &Wm. PeirmentAtavityS Friame n3.Adetisra I mxi any New &Waco S Amount Due 08/27/04 1,098.06 -50.00 464.97 01,113.03 22.00 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 08/02/04 16,300.00 15,186.97 3,260.00 3,260.00 To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity knaPaImada Amount IIPSSOMX0 04L1° .Vf0 AmountS New Activity for 07/06/04 THE HOME DEPOT 2550 GAITHERSBURG MD 16.68 GOODS/SERVICES 07/09/04 EXXONMOBIL8304895581GAITHERS MD 35.11 GOODS/SERVICES 08/02/04 Periodic FINANCE CHARGE 13.18 Total of New Activity 64.97 Finance Charges Average Daily Daly Actual ANNUAL Nominal ANNUAL PERCENTAGE Periock FINANCE Billing days this period: 31 Balance $ Perla& Rate PERCENTAGE • RATE RATE CHARGES PurchaseS 1,110.72 0.0383% 13.97% 13.99% 13.18 Cash Advances 0.00 0.0527% 0.00% 19.24% 0.00 13.18 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Nos° fdd on Be pedatika barn. cknadh and learn wail your payment + Payment Coupon Payment Due Date: Please enter account number on all checks and 08/27/04 correspondence. Total New Balance Make check payable to $ 1,113.03 American Express. Minimum Amount Due To avoid additional MOO Finance Charges on Purchases, pay the New Balance before the -5960 Payment Due Date. $ • I Check here it address or telephone number has Amount enclosed changed. Note changes on reverse side. Mail Payment to: Hdadd.IUMARAllaulldlikdAhhH AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 LAIN,Ilrrrllr„Il I'll II 000111303000002200 02 rl EFTA01704759 DUPLICATE COPY Page 2 of 5 Payments: Payments received after1200 noon ce on weekends or holidays may not be credited until the next business day. Payments, must be in US Dolars and drawn on a bank located in the US (other than a fine of crecit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process To Pay By Phone checks eledrcnically , at first presentment and any re-presentments, by trarsmkting the amount of the check, 1-800472-9297 routing number, account number and check serial number to your financial institution. Your checking account may be debuted as soon as the same day we receive your payment. If we cannot collect the funds electronically at first Customer Service presentment, we may issue a draft against Irour account for the amount of the check. 1.877-258.3254 Authorization for Electronic Payments: By using the American Express Pay By Computer Pay By Phone or any 24 hoursa days other American Express electronic payment service, you will be authorizing American Exxoss to initiate an electronic debit to tfie financial account you specify in the amount you request. To use Pay By Computer, please, visit us at www.americanexpress.com. Lost or Stolen Card Lost or Stolen Card: If the Card is Ice( or stolen, in the U.S. immediately telephone us at the number indicated on yew 1.800-521.6121 paper statement,_or tick on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service Ofhoe a call any l coal American Express otlioa. International Collect Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily 1.623.492.7719 Balance method to calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daly periodic rate to the Average Daily Balance (as described below) for each feature (such as Hearing Impaired Purchase Cash Advance and Balance Transfer features) of your Account (inducting current transactions). To get the (gam-Sint EST) Average Daily Balance for each feature, we (1 take the beginning balance foe the feature each day (inducing unpaid 17Y: -400.221.9950 Finance Charges from previous billing periods), (2) add any new transactions, debits, or fees, (3) subtract any payments cr credits, and (4) make any appropriate adjustmen s. For each day after the first day of the billing period we also FAX: 1.800.695.9090 add an amount of interest actual to the previous day's daiy balance multiplied by the dallY periodic rate In NY: 1.800.522.1897 • for the feature. This gives us the daily balance for the feature forthat day and the beginning balance for the feature fcr the next day. If this baante is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the toeing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number Correspondence of days in the billing period and the daily periodic rate for that feahne, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the billing period Customer Service is calculated by adding the Finance Charges assessed on all features of the Account. This method of calculating the P.O. Box 7863 Average Daly Balance and Finance Charge results In daily compounding of Finance Charges. The minimum Ft. Lauderdale, FL Finance Charge for any billing period in which Finance Charges are imposed is saw. 33329.7863 In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.comt or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay 8y Computer issues, Payments or 1.800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash PO BOX 360002 Operations address indicated on your statement. It you think your statement, receipt, or transaction is wrong, FT LAUDERDALE please contact us as soon as posstie. We must hear from you no later than 60 days after we sent you the FIRST FL statement onwhich the problem ores appeared. 33336-0002 When contacting us: 1. Tell us your name and account number, 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as dearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and coned any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is In error, so that you will have use of the money during thetirne it takesus tocompletecur investigation. Creditor American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative cretlt card rates, fees and grace periods bycalling 1-800-518.8866. Change of Address It coned on from do no! we Warne Company Nam* Street Address rr 1 I I Irl City, State Bp Code Providing your emal Area Code and address to American Horne Phone Express will enable you Mn Code and to receivespecial offers, 1 1 1 1 1 j Wok Phone suitedto your needs. Emal EFTA01704760 MembeNfilfilifigals Options' Monthly Statement and Page 3 of 5 Program News American Express. For questons about your Statement Period r MEMBERSHIP Membership Rewards account, June 1, 2004 - June 30, 2004 • • n contact 1-800-AXP-EARN Account activity after this period does not appear on this statement if jR [ 11-u.A (297-3276) Available Points wvay.americanexpress.com/rewards 3,338 American Express Membership Rewards PO Box 297813 Points axe available when charges are paid in full and all your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 2,963 New points earned +375 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 3,338 New Points Earned 06/01/04 - 06/30/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 375 0 375 IMO Totals 375 0 375 Members-7i p Rewards Oplitos pct earned may be tansferred Or reckoned as long BS dB encIred Cad adosts are bused staring Pont tar gamed a redeemed awed to recited bad irto the program. Fa/ellen points can be ;elmated for a tee by calling the number provided below. Elgin'sGard shames are eons] in to Mentes/Ms &wads Optons prcgran Tema and Coreitlons in yaw MentelBC Rewords CfnanS Ouch. II you ta-re guested, geaSe v44 Minvamerloanespreh.comInembershIprewardsoptIons a cal 1./B2t.SAYP•EPAN (297-3276). Franoh:mesh canceled 33S-818279S. Earn More! New ways to earn points. Use Miles as Money with GlobalPass® GlobalPass offers Membeyship Rewards® enrollees the ability To transfer Membership to use Miles as Money toward any airline, anytime. With the Rewards points to GlobalPass Miles, call GlobalPass SuperAwards' Program, transfer Membership 1.600-AXP-EARN Rewards points to GlobalMiler and redeem toward tickets (2974276) or go to on any airline worldwide! GlobalPass also offers wv/w.american GlobalAwardse, allowing enrollees to redeem Membership express.com/rewards. Rewards points toward travel on GlobalPass Affiliated Airlines (MR Message 6387) including AeroPostal, TACA and KLM. Earn Up to 1,500 Bonus Points with AOL® 9.0 Optimized! Membership Rewards® enrollees get AOL--FREE for 50 days. Call 1.800.276-3459 or A Plus, earn up to 1,500 bonus points (500/paid mo.) when visit www.free.aol. corn/mn for complete you sign up with an eligible, enrolled American Express® terms and conditions. Card and stay on AOL after the trial period ends. (MR Message 9033) AOL TRILL MUST BE USED WRHIN 50 DAYS OF INITIAL SlGMON. To *rand tang d rrocrhly lee ca -eel 2Mtra bbl eds. Ural register by 93004 imrg Oh-old URL at Pay AOL fees 4(14/06 for terns psish. To be e e let tones pclnIA anal be ended err lisytership Reed/dial line ACC leo is charged 1 AMC( •- tyd. Bans Oft w3I be awarded 500fro for ash pa month d AOL IneInterstio Sea up to max el I ,SOD Reid. Wog days AM mond/yin b dohs, ervoled AMEX Card. ems posts yell bo dolled to Membershp Rewards hod welt 10-12weeks en rte re appear on ding in To be awarded tones pcids se must pay ACC more* mernbershb led by MINS Bonus ID: 7492. Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704761 American Express ,' ATE COPY Page 4 of 5 Amazing Back-to-School Savings at Staples®! From crayons to calculators and pencils to portfolios, Staples Veit makes it easy to find the hottest buys all in one place. amerIcanexpress.comf rewards or call 1.800-AXP-EARN Redeem Membership Rewards® points for Staples Awards (297-3276). and shop in store, through the catalog or online at Staples.com. It's all here, you're all donel (MR Message 7079) Back to School with Gap Gift Cards Redeem Membership Rewards® points for $25 or $50 Gap To find out more about Gift Cards! Get the school year off to a great start by using a using Membership GAP Gap Gift Card to get your favorite classics or the season's latest looks. Gap has styles for every generation. Gap Gift Cards can be used at any Gap store in the U.S. and at www.gap.com where you'll find more sizes, more fits and Rewards points to get Gap Gilt Cards, visit lawny. americanexpn3ss.comf rewards or call 1.600-AXP-EARN more washes. (297-3276). (MR Message 1099) Experience Italy with Alitalia! As Italy's premier airline, Alitalia offers the most non-stop Veit www.american flights to, Italy from all its U.S. gateways. Enjoy wide-body express.comfrewards or call1-800-AXP-EARN Alitalia seats, superb gastronomy, an extraordinary in-flight boutique and world-famous service from the people who have turned living into an art form. (297-3276). (MR Message 6344) Redeem Membership Rewards® points and experience the passion of Italy. Take advantage of the new Magnifica Class Companion reward and bring a friend! Redeem Membership Rewardes points with Discovery Channel Stores! Discovery Channel reaches beyond the television screen to To find the nearest store or bring you a universe of products guaranteed to °Entertain begin your shopping Your Brain". From leading-edge electronics to exclusive toys, online, visit www. dlscovery.corn(store or there are plenty of products to help you share the spirit of visit www.amertcan Discovery. or call 1.8 1-800-AXP-EARN (297-3276). (MR Message 6339) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704762 DUPLICATE COPY Claim Da% Page 5 of 5 08/02/04 CustornExtras- Look Where Your Business Can Save With OPEN Savings5" Use your Card and start saving! To learn more Save at AT&T, FedExe, Hertze, Staples®, 1-800-FLOWERS.COMe, about where your USA TODAY and more, just by using your Business Card. OPEN business can save, go to Savings provides discounts that automatically appear on your open.emedcanexpnr.s. monthly statement. No coupons or codes are needed and the corn/savings. OPEN SMALL BUSINESS NEI WORN' savings are in addition to other savings your business may already receive. (CE 104775) Payment must be made with an American Expresse Business Card. Participation and offers are subject to change without notice. Terms and conditions apply. For more information please visit open.americanexpress.comrsavings. Exclusive Savings at Hertz - No Coupons or Codes Needed To learn more, visit open.ameticanexpress. Save 5% off your total rental cost, including taxes and surcharges, com/savings. when you pay with your American Expresse Business Card. The savings are in addition to any savings you qualify for on your own and (CE 104776) Hertz will appear automatically on your statement each month. Root Svecht Valid only at participating U.S. locations. Payment must be made with an American Express Business Card. Participation and offers are subject to change without notice. Terms and concflions apply. Borrow Up to $100,000 At a Fixed Rate For a fast decision, apply online at open.american The Business Capital Loan from OPEN: The Small Business express.comfbustness Network' is an unsecured installment loan with repayment terms of loan. 24 or 36 months. The simple application process and quick approval (CE 104773) times allow you to receive your funds within two days. It is ideal for BUSINESS CAPITAL LOOK large capital expenditures such as business expansions or office renovations, and the fixed monthly payments make planning a lot easier. Subject to creek approval, not all customers may qualify. All applicants must have been in business for at least 2 years. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704763 DUPLICATE COPY Blue for Business" OPEN litemb,ership Rowardso? Points Availatile at 07/31/04, when chargesdie are paid i71_ SMALL BUSINESS NETWORK" lull ard accounts are in gcodstanteng. Pr cd F ..marl Nutter Clxtrq Ode 09/02/04 Page 1 of 8 R Ng...Oa-Wry $ Minimum Payment Due Date Prevnus Ilfthuree S Payment AtlAty t—sez,..naang, FiAintree Nov Solara Amount Due $ 09/27/04 1,113.03 -25.00 +573.34 =1,661.37 33.00 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Life $ Line $ Limit $ Limit $ on 09/02/04 16,300.00 14,638.63 3,260.00 3,260.00 To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. • IFIKOM POMP? Owl Activity Amount S 0W17/04 CHEVRON 0211778 GERMANTOWN MD 32.96 ROBERT POUNGER Description UMISCELLANEOUS ROC No. 7882911 08/19/04 PAPA JOHN'S 16052066GERMANTOWN MD 11.54 GOODS/SERVICES 08/19/04 CHEVRON 0211778 GERMANTOWN MD 29.58 ROBERT POUNGER Description UMISCELLANEOUS ROC No. 7884066 08/21/04 EXXONMOBIL2607724875GERMANTO MD 22.25 GOODS/SERVICES 08/21/04 GIANT FOOD INC 1362 GERMANTOWN MD 28.96 GOODS/SERVICES 08/22/04 BEST BUY CO 819 GERMANTOWN MD 141.72 GOODS/SERVICES FP/Wald] on Co perlwatca below, dew./i and * Lenwnh y1XY parent $ Continued on Page 3 Payment Due Date: Please enter account Payment Coupon 09/27/04 number on all checks and correspondence. Total New Balance Make check payable to am= $ 1,661.37 American Express. Minimum Amount Due To avoid addtional $33.00 Finance Charges on Purchases, pay the New Balance before the GERMANTOWN MD 20876.5960 Payment Due Date. Check here if address or telephone number has Amount enclosed changed. Note changes on reverse side. Mail Payment to: UddlIAMILLWILAIAIJUAIfflahll AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 000166137000003300 02 rl EFTA01704764 DUPLICATE COPY Pr id Foe Page 2 of 8 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the rernfttamm• stub attached and account number o 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 To Pay By Phone elects electronically , at first presentment and any re-presentments, by transmitting the amount of the check, 1.800-472.9297 routing number, account number and check serial number to your financial institution. Your chedeng account may bo debited as soon as the same day we receive your payment. If we cannot collect the funds etedronically at first Customer Service presentment, we may issue a draft against your account for fie amount of the check 1.877-258-3254 Authorization for Electronic Payments: By using the American Express Pay By Computer, Pay By Phone or any 24 hours!? days other American Express electronic payment service, you WI be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you request-. To use Pay By Computer, please Lost or Stolen Card 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 1-800-521-6121 paper statement or dick on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service Office a call any local American Express office. International Coiled Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily 1.623.492-7719 Balance method to calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as describedbelow) for each feature (such as (Hewing Impaired Purchase, Cash A/dance and Balance Transfer features) of your Account (including current transactions). To get the Barn-5pm EST) Average Deity Balance for each feature, we take the beginning balance for the feature each day (including unpaid TTY: 1.800.2₹I.9950 Finance Charges from previous billing periods), (2) add any new transactions, debits, or fees, (3) subtract any payments or FAX: 1-800-695.9090 credits, and (4) make any appropriate adustmen s. For each day alter the first day of the billing period, we also add an amount of interest equal to the previous days deify balance multiplied by the daily periodic rate In NY: 1-800-522-1897 for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the tilling period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number Correspondence of days in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounchng. The total Finance Charge for the billing period Customer Service is calculated by adding the Finance Charges assessed on all features of the Account. This method of calculeffng the P.O. Box 7863 Average Daily Balance and Finance charge results in daily compounding of Finance Charges. The minimum Ft. Lauderdale, FL Finance Charge for any billing period in whidiFinands Charges are imposed is $0.50. 33329-7863 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, Payments or 1-800-CASH-WW for Express Cash and automatic payment issues. You can also write to the Express Cash PO BOX 360002 Operations address indicated on your statement. If you Mink your statement, receipt, or transaction is wrong, FT LAUDERDALE please contact us as soon as possible. We must hear hem you no later than 60 days after we sent you the FIRST FL statement on which the problem or error appeared. 33336-0002 When contacting us: 1. Tell us your name and account number, 2. Provide the dollar amount cd the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as dearly as you can why you believe there is an error or whyyou need more information. We wit: investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takesus to complete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1800-518-8866. Change of Addicts II correct co front do no: use h.vno Company Name. Shoot Adircoa OW. Siete alp Code Providing your email Area Code and address to American Went Prone Express will enable ymi Atoa Cale aria to receive special offers, milmj Wak Phone soled to your needs. Ernal EFTA01704765 DUPLICATE COPY Pt cd For Account Nurbor Cktsirta Dare Page 3 of 8 09/02/04 New Activity continued AmountS 08/23/04 GIANT FOOD INC 8362 GERMANTOWN MD 43.02 GOODS/SERVICES 08/24/04 PAPA JOHN'S16052066GERMANTOWN MD 11.54 GOODS/SERVICES 08/24/04 CHEVRON 0211778 GERMANTOWN MD 30.45 ROBERT POLINGER Description UMISCELLANEOUS ROC No. 7886635 08/26/04 PAPA JOHN'S4/6052066GERMANTOWN MD 11.54 GOODS/SERVICES 08/26/04 EXXONMOBIL1807724875GERMANTO MD 24.75 GOODS/SERVICES 08/26/04 CHEVRON 0211778 GERMANTOWN MD 17.46 ROBERT POUNGER Description UMISCELLANEOUS ROC No. 7887659 08/28/04 EXXONMOBIL1807724875GERMANTO MD 18.26 GOODS/SERVICES 08/28/04 GIANT FOOD INC 8362 GERMANTOWN MD 50.33 GOODS/SERVICES 08/30/04 EXXONMOBIL1807724875GERMANTO MD 24.42 GOODS/SERVICES 08/31/04 PAPA JOHN'S 86052066GERMANTOWN MD 11.54 GOODS/SERVICES 08/31/04 CHEVRON 0211778 GERMANTOWN MD 28.59 ROBERT POLINGER Description UMISCELLANEOUS ROC No. 7890310 09/01/04 EXXONMOBIL1807724875GERMANTO MD 19.14 GOODS/SERVICES 09/02/04 Periodic FINANCE CHARGE 15.29 Total of New Activity 573.34 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this period: 31 Balance S Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGES Purchases 1,287.83 0.0383% 13.97% 13.99% 15.29 Cash Advances 0.00 0.0534% 0.00% 19.49% 0.00 15.29 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the p-ime rate Identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704766 DUPLICATE COPY imiumu Page 4018 EFTA01704767 MembeNfilf4Teilifit Options; Monthly Statement and Page 5 of 8 Program News For questions about your Statement Period Membership Rewards account, July 1, 2004 - July 31, 2004 contact Account activity after this period does not appear on the statement 1-800-AXP-EARN (297-3276) Available Points vnenv.americanexpeess.comkewards 3,569 American Express Membership Rewards PO Box 297813 Points are available when chaves are paid in full and all your accounts are in Ft. Lauderdale, FL 33329.9785 good standirg. Account Summary Opening points balance 3,338 New points earned +231 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 3,569 New Points Earned 07/01/04 • 07/31/04 Points Activity On Bonus Points Total Points Activity Eligibe Charges Awarded Per Card 231 0 231 Totals 231 0 231 Ilerrbernhp Rewards Optece pont, earned mat to translerea or ordesmod keg as all ensiled Cad =cores are ingocd siand.rg. Puns karts cared 0, reckoned carrot 0 revc.-..ed b.rk roll the pregrant. Forfeited point, can be reinstated for a fee by calling the number provided below. Elgebla Card charges are ciknad ogle Meriberonp PfaWata Optoris picgrain Tarr and Ca la:wit n Yak Itleinnuono Howard: 01:0:415 Dude. V itiv have quasi/oo. please vial weiviamerieenexpress.cangmembershiprewardsoptIons a call I.800-AW-EARN 1297-3276). Ran edemas& call cdkel 3054'6-2799. EFTA01704768 American Express ATE COPY Page 6 of a 1 EFTA01704769 DUPLICATE COPY Closfro Dal* Page 7 of 8 Saw CustomExtras- IIIIIIIM I 09/02/04 40 fr n-1 i -... Exclusive 10% Savings at USA Today Visit www.myusatoday. corn/open to subscribe or Save 10% off your USA Today subscription--no coupons, codes, or call 1.800-USA-0001 and limited time offers when you pay with your American Expresse save 10%. Business Card. The savings are in addition to any other offers or M.ISA savings your business may qualify for on your own. The savings will appear automatically on your statement each month. To learn more, (CE 104900) TODAY visit open.americanexpress.com/savings. Valid on all U.S. subscription purchaSes. Payment must be made with an American Express Business Card. Participation and offers are subject to change without notice. Terms and conditions apply. Get a $10,000 to $100,000 Line of Credit Call 1300.276.2504 to apply. Need cash to grow your business? The Business Capital Line was specifically designed to meet the needs of small business owners. Or for more information or Business You can use it to finance short-term growth opportunities--or to pay for business expenses, such as payroll, inventory and rent The to apply online, visit open.americanexpress. cornhvorkingcapitel. Capital application is simple and takes only a few minutes to complete. NO collateral is required and 100% of your line of credit is available (CE 104902) Line as cash. Apply today. Subject to credit approval, not all customers may qualify. All applicants must have been in business for at least 2 years. Once approved the status of your account will be reviewed annually. Upon review you may be contacted to provide additional information. Borrow Up to $100,000 at a Fixed Rate For a fast decision, apply online at The Business Capital Loan from OPEN: The Small Business americanexpress.com/ Network" is an unsecured installment loan with repayment terms of buslnessloan. 24 or 36 months. The simple application process and quick approval (CE 104897) times allow you to receive your funds within two days. It is ideal for BUSINESS CAPITAL 1:041!. . rtogl,I(aania•=0.1..4:tin large capital expenditures such as business expansions or office renovations, and the fixed monthly payments make planning a lot easier. Subject to credit approval, not all customers may qualify. All applicants must have been In business for at least 2 years. Put Expense Reports in Their Place with ExpensAble: To purchase, or for more information, visit Late turning in your expense reports? Join the crowd. Now, a solution www.expensable.coml is at hand. ExpensAble replaces paper forms or spreadsheets with an openl. intuitive, easy-to-use software solution. Loaded with powerful (CE 104905) convenience features, including pre-filling expense reports with ExpensAble Business Card data at the touch of your mouse! Save 25% with your Business Card! Payment must be made with an American Express* Business Card. The savings wit appear on the Cardinember's monthly statement, and is only available directly through OneMind Connect. Participation and offer are subject to change without notice. Terms and conditions apply. Save an Extra 5% with AT&T To start saving and learn more, visit wvv.att.com/ Now you can save an extra 5% on AT&T Small Business Local and opensavings or call Long Distance Calling Plans with OPEN Savings. As an existing or 1.800329.9384. new AT&T Small Business customer, when you enroll in recurring Terms and conditions automatic bill payment with your American Expresse Business Card apply. you'll receive 5% off your qualifying AT&T Small Business Local and Long Distance bill each month. Terms and conditions apply.* (CE 104914) *AT&T terms and conditions: Savings apply to qualifying AT&T Small Business calling plans and charges billed via recurring automatic bil payment using an American Express Business card AT&T and the AT&T Globe Design are registered marks of AT&T. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704770 DUPLICATE COPY Pr II • AU For Page 8 of 8 Open Savingsgm Can Add Up Quickly - Start Saving Now Start saving today! For more information, Start saving today at AT&T, FedCx®, Hertz®, Staples®, please visit 1-800-FLOWERS.COM®, USA TODAY, and more, just by paying with open.amoricanoxpress. your Business Card. The savings appear automatically on your com/savings. statement, and require no coupons or codes. What's more, the OPEN SMALL BUSINESS NETWORK' savings are in addition to offers your business may already receive. (CE 104899) Payment must be made with an American Express Business Card. Participation and offers are subject to change without notice. Terms and conditions apply. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704771 DUPLICATE COPY Blue for Business" OPEN SMALL BUSINESS NETWORK'• Ftonor n r Ckung Date 10/03/04 Page 1 of 8 i Now &Minty re. Adenwrierg, Minimum Payment Due Date Pro.noo: Ba:anco RayrneetArforly$ NOW Solara S Amount Due 10/28/04 1,661.37 -33.00 +1,236.39 "2,864.76 57.00 Please refer to page 2 for important information regarding your account Credit Line Total Available Credit Cash Advance Available Cash Summary Line $ Une $ Umit $ Limit $ on 10/03/04 16,300.00 13,435.24 3,260.00 3,260.00 To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-2583254. Activity bran oc•ire age AmoultS 09/03(04 CITGO 7 ELEVEN 25151R=STON VA 26.74 CITGO GASAMSC98 764372515113 09/03/04 OLD SHANGHAI CAFE GERMANTOWN MD 16.22 UNDEFINED 09/04/04 EXXONMOBIL1807724875GERIAANTO MD 3220 PAY AT PUMP1807724875 09/04/04 BEST BUY CO 819 GERMANTOWN MD 10.49 ELECTRONICS/APPLIANCES ROC No. 003 06955 09/04/04 . GIANT FOOD INC 8362 GERMANTOWN MD 37.14 GROCERIES 09106/04 BARNES & NOBLE GAITHERSBURG MD 47.08 BOOKS 09/07/04 DO(ONMOBIL1807724875GERMANTO MD 30.76 PAY AT PUMP1807724875 09/08/04 E)0(ONMOBIL1807724875GERMANTO MD 12.49 PAY AT PUMP1807724875 Plomolod on the portonflon below, doltch and return win nompayment + Codlnued on Page 3 Payment Due Date; Please enter account Payment Coupon 10/28/04 number on all checks and correspondence. Total New Balance Make check payable to $ 2,864.76 American Express. Minimum Amount Due To avoid attritional $57.00 Finance Charges onNew Purchases, pay the Balance before the ERMANT WN -5 60 Payment Due Date. • Check here if address or telephone number has Amount enclosed changed. Note changes on reverse side. Mail Payment to: AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 iititibismitii 000286476000005700 02 ri EFTA01704772 DUPLICATE COPY Pr od F Page 2 of 8 Payments: PaymentS received after 12:00 noon or on weekends or holidays maynot be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in g. We reserve the nght to process To Pay By Phone checks electronically , at first presentment and any re-presentments, transmitting the amount of the check, 1.800.472.9297 routing number, account number and check serial number to your financial institution. Your checking account may bo debited as soon as the same day we receive your payment. If we cannot collect the funds electronic* at first Customer Service presentment, we may issue a draft against your account for t • arnountof the check. 1.877.258.3254 Authorization for Electronic Payments: By using the Amencan Express Pay By Computer Pay By Phone or any 24 hours/7 days other Amencan Express electronic payment service, you will be authorizing American Express to initiate an electronic debit to the financial account you specify in tho amount you request. To use Pay By Computer, please Lost or Stolen Card 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 1.800.521.6121 eaper statement, or click on the Customer Service link on:ire. Outside the U.S. contact the nearest American Express Travel Service Officeor call any local American Express office. International Collect Finance Charges: Average Daily Balance Method for Calculation of Finance Chargos:We use the Average Daily 1-623-492-7719 Balance method to calculate Finance Charges on yourAccount. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Hearing Impaired Purchase Cash Advance andBalance Transfer features) of your Account (including current transactions). To get the (9am-5pm EST) AverageDaly Balance for each feature, we take the booming balance for the feature each day (including unpaid TTY: 1-800-221-9950 Finance Charges from previous billing periods), (2) add any new transactions, debits, or fees (3) subtract any paymentscr credits, and (4) make any appropriate adjustments.For each day after the first day of the billing period, we also FAX: 1-8g3-695-9090 add an amount of interest equal to the previous day's dolly balance multiplied by the daily periodic rate In NY: 1.800522.1897 for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the tilling period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. if you multiply the Average Daily Balance for each feature by the number Correspondence of days in the tilling period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the billing period Customer Service is calculated by addng the Finance Charges assessed on all features of the Account. This method of calculating the P.O. Box 7863 Average Daily Balance end Finance Charge results in daily compounding of Finance Charges. The minimum Ft. Lauderdale, FL Finance Charge for any baling period in which Finance Charges are imposed is $0.50. 33329-7863 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, Payments or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash PO BOX 360002 Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, FT LAUDERDALE please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST FL statement on which the problem or error appered 33116-0002 When contacting us: 1. Tell us your na meand account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as Geary as you can why you beieve there is an error or whyyou need mere information. We will investigate your complaint and coned any error promptly. If we lake more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investis ation. Creditor. American Express Bank, FSB. New York residents, may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1.800.518.8866. Change of Address coned on frort do not ma Name Company L .11 Non10 Shoot Addrece OW, Stab Zip Code 1 Providing your email Area Code and HOT. Phone Area Code and P addressto American Express will enable you torece'vespecial offers, Work Phone suited to your needs. Erma EFTA01704773 DUPLICATE COPY cke.L.0 0.y..) Page 3 of 8 10/03/04 New Activity continued ounts 09/09/04 EXXONMOBIL1807724875GERMANTO MD 25.27 PAY AT PUMP1807724875 09/10104 GIANT FOOD INC 8362 GERMANTOWN MD 6.93 GROCERIES 08/11/04 GIANT FOOD INC #362 GERMANTOWN MD 5295 GROCERIES 09/11/04 MONTGOMERY COUNTY DLGERMANTOWN MD 10.77 PACKAGE STOREJLIOUOR ROC No. 0000000140 09/12/04 EXXONMOBIL1807724875GERMANTO MD 26.51 PAY AT PUMP1807724875 09/14/04 EXXONMOBIL8304696266ROCKVIU. MD 36.47 PAY AT PUMP8304896266 09/14/04 GIANT FOOD INC #362 GERMANTOWN MD 15.46 GROCERIES 09/15/04 PAPA JOHN'S 16052066GERMANTOWN MD 11.54 RESTURANT 09/15/04 CHEVRON 0211778 GERMANTOWN MD 21.87 ROBERT POUNGER Desaiplion LJNISCELLAt4EOUS ROC No. 7898288 09/16/04 EXXONMOBIL1807724875GERMANTO MD 21.32 PAY AT PUMP1807724875 09/16/04 GIANT FOOD INC #362 GERMANTOWN MD 13.73 GROCERIES 09/18/04 GIANT FOOD INC 6362 GERMANTOWN MD 24.97 GROCERIES 09/19/04 GIANT FOOD INC 11362 GERMANTOWN MD 20.85 GROCERIES 09/19/04 EXXONMOBIL1807724875GERMANTO MD 26.31 PAY AT PUMPI807724875 09/21/04 PAPA JOHN'S 96052066GEFLMANTOWN MD 11.54 RESTURANT 09/21/04 EXXONMOBIU3304696050BELTSVIL MD 32.12 PAY AT PtLIP8304696050 09/22/04 EXXONMOBIL1807724875GERMANTO MD 27.96 PAY AT PU•VP1807724875 09/22/04 MONTGOMERY COUNTY DLGERMANTOWN MD 21.53 PACKAGE STORE/LIQUOR ROC No. 0000000085 09/23/04 PAPA JOHN'S 96052066GERMANTOWN MD 11.54 RESTURANT 09/23/04 CHEVRON 0211778 GERMANTOWN MD 14.82 ROBERT POUNGER Description UMISCELLANEOUS ROC No. 7801936 09/25/04 EXXONMOBIL1807724875GERMANTO MD 29.57 PAY AT PUMP1807724875 09/25/04 BANANA REPUBLIC #854NO BETHESDA MD 390.60 MISCELLANEOUS AND SPECI ROC No. 4600032874 Continued on reverse EFTA01704774 DUPLICATE COPY New Activity continued =El Page 4 of 8 Amount $ 09/26/04 THE SHARPER IMAGE N BETHESDA MD 20.95 ASSORTED MERCHANDISE FOR CUSTOMER SERVICE CALL 1-800444-5555 ROC No. 055138577 OW27/04 SUNOCO 0388297801HAMILTON TWP NJ 33.25 SUNOCO 0001512 027202303 09/29/04 INTERFUEL LLC SPRINGFIELD VA 31.33 AUTOMATED FUEL PUMP 09/29/04 CHEVRON 0211778 GERMANTOWN MD 21:62 ROBERT POLINGER Description UPAISCELLANEOUS ROC No. 7804379 09/30/04 DOONMOBIL8304697280ABERDEEN MD 34.75 PAY AT PUMP8304697280 10/03/04 Periodic FINANCE CHARGE 26.83 Total of New Activity 1,236.39 Finance Charges Average Daly Daily Actual ANNUAL Nominal ANNUAL Panache Billing days this period: 31 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 2,260.00 0.0383% 13.97% 13.99% 26.83 Cash Advances 0.00 0.0541% 0.00% 19.74% 0.00 26.83 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. EFTA01704775 MembePifilfitiefedits Options' Monthly Statement and Program News For questions about your Statement Period Membership Rewards account, contact August 1, 2004 - August 31, 2OO4 Account activity after this period does not appear on th's statement 1-800-AXP-EARN (297-3276) Available Points www.amencanexpress.com/renvards 3,621 American Express Membership Rewards PO Box 297813 Points are available when charges are paid in full and all your accounts are in Ft. Lauderdale, FL 33329-9785 good standrig. Account Summary Opening points balance 3,569 New points earned +52 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 3,621 New Points Earned 08101/04 - 08/31/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 52 0 52 AIM Totals 52 52 Membership Ftraerds Calms pants earned may be escalated or redee eds brg as ad mst*Val Cad :coati:it we in geed Warding.POND renewal or reckemcd caret be reversal lark iso the pcgrant Forfeited points can be reinstated feral...by csitleg the number provided below. Eigible Cad charges ere oultrod in the Mirnbership Pan'e4 CpSons accrom Tenn* aid Camaro in your Marriserstip Flows* Opals Guide. I you hare quesicce. crease ,..5A www.atherka nexpressamnimerr.bershIprewardseplions a cal 1-X0-MP. EARN (2974274 Remoteness, eel coded 305-816-2/99. Important Notice Regarding Marriott Rewards® Option ASixic6io EXPielie As of January 1, 2005, point transfers into the Marriott Important Message: Rewards program will no longer be an option in the Marriott Rewards° to leave the Membership Rewards Membership Rewards. program. All point transfers into the Program. Marriott Rewards program must be complete by December 31, 2004. Please remember that any Membership Rewards To see the full array of point transfers into the Marriott Rewards program are rewards accessible to you, log on to www.american considered final and non-refundable. expross.comirewards. Marriott certificates will remain a reward option in the (MR Message 5069) Membership Rewards program. Earn Bonus Points at Top Retailers Through Milesmall.com Here's a great way to earn bonus points at 150 of the most Visit www.Mitesmall.com/ -4.. sesa" well-known brands. Enroll at Milesmall.com and when you ameticanexpross to enroll MiLesMaltcom and register and start shop through their online mall using a registered American earning bonus points Expresso Card—you can earn bonus points for your today! Remember you can purchases all year round. Visit www.Milesmall.com/ only earn bonus points americanexpress to register and see how many bonus when you link though MAesmall.com. points can be earned when you shop with Milesmall.com. EnralMent and terns and conacas la Miasmas= aryl/. To be dgire to earn taco para. Sou mat (MR Bonus ID 2449) be *MOS in the Membernhe PeNtacatt, progffill it the erne or parch..te and you mint charge your puschsar tv an eliftle. enrc2/d Arne:can Espress Cact an* pcires ml be cordrkd to sea Ragan scourl %villa 10-12 siesta atter clargos Bay co pas alrg slalommt. Fin:granodd from CCASOt to MOS% Bann d): 2449. Limited Time Offer from Rail Europe! For a limited time, redeem 15,000 points and receive a To review these rewards certificate for $100 off any Rail Europe booking of $350 or and redeem points, visit www.americanexpress. MrSailarap_es more. This offer is valid for bookings between October 1, 2004 and November 31, 2004. So act fast. com/rewards or call 1.800-AXP-EARN (297-3276). Rail Europe is one of the largest suppliers of European rail (MR Message 3190) and travel services in North America. Prckages basal on two page travelog together, ttkicel to atalabily. Certain Nat:tout dales tic01 Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704776 ATE COPY Page 6 of 8 New! Redeem Membership Rewards® Points for a $50 Benihana Gift Card Experience one of the longest running dining shows in the To redeem 5,000 points for world. Watch your personal chef entertain you with a $50 Benihana Gift Card, visit xnvw.american laughter-filled dining experience. At Benihana, enjoy an express.comtrewards or experience at every table! For door-to-door directions, please call 1-800.AXP-EARN visit us at www.benlhana.com or call 1-877-BENIHANA (297-3276). (236-4426) for the location nearest you. (MR Message 6116) Let Delta Make That Dream Vacation Come True Delta and Delta's worldwide airline partners can take you to Not already a SkyMiles over 480 destinations in 87 countries. Visit www.delta.com member, call 1.800-323.2323 to sign up! A.Delta for redemption options. (MR Message 5026) Plan Your Next Ski Vacation with Aspen/Snowmass Redeem Membership Rewards@ points for Aspen/Snowmass To review these rewards for your next ski vacation. You can redeem points for and redeem points, visit www.amerIcanexpress. ASPENANOWMASS certificates for skiing, snowboarding or rentals at each of the four mountains--Snowmass, Aspen Mountain, Aspen comirewards or call 1.800-AXP-EARN Highlands and Buttermilk. For more information, call (297-3276). 1-800.525-6300 or visit www.aspensnowmass.com. (MR Message 3376) Rewards valid trough Pool 11.200t Reward Yourself at Linens'n Things Linens'n Things is the one-stop superstore for all your home To find one of the nearly fashion, houseware, and home decorating needs. All the 500 locations nationwide nearest you, call toll-free brand names you trust at guaranteed low prices everyday. LINENS.N.THINGS* Linens'n Things. DREAM BIG. PAY LITTLE. 1.866.568-7378 or shop www.LNT.com anytime. (MR Message 9084) Earn Five Membership Rewards® points from Sharperimage.com This Holiday Season Find unique gift ideas and earn five Membership Rewards Shop at wmv.sharper THE points for virtually ovary dollar you spend when you shop at Image.comramexpoInts today and earn five points www.sharperimage.com/amexpoints. The Sharper Image SHARPEN shares the fun of discovering innovative products that make for every dollar you spend this holiday season. life easier and more enjoyable. As ono of America's premier IMAGE' specialty online retailers, sharperlmage.com is a great place (MR Message 3243) for great gift ideas this holiday season. Offer yard ONLY when_ your b mime horriniasproomlamexpolnts through 129106 To can bonus Oft you moot boall.46.1in to Membetsbp llowado proof= al the tined tettate. ad charge ref pachr.o1, an chglia enscacd Anton Some°. Cott Net vehi in obrec, or Tr The Marva Imago Atoka oto. Ora terns apply. Boma Pcirlo war be worked lo you Moteerel6p Rewards ccoant 10-12 wool% aftcr alntgea corrou on yam ktling clacirnori. Bonn 0:1076. Offers are made only to Cardmembers who moot certain qualifying criteria. By responding you. ill be disclosing to the merchant that you meet these criteria. EFTA01704777 savinfleffigiffS6 OPEN Pc.9.-; 7 )1 OOP. Total Savings to Date Savings Since Savings This Period For This Account May 2004 Through Oct 02 S 0.00 0.00 0,00 Program End Date Transactions Discount % Savings Savings Since This Period or Credit This Period May 2004 5% OPEN SAVINGS AT AT&T Ongoing $0.00 5% $0.00 $0.00 20% OPEN SAVINGS AT CERIDIAN Ongoing $0.00 20% $0.00 $0.00 15% OPEN SAVINGS AT CONSTANT CONTACT OngcMg $0.00 15% $0.00 $0.00 26% OPEN SAVINGS AT EXPENSABLE Ongoing $0.00 25% $0.00 S0.00 5% OPEN SAVINGS AT FEDEX Ongoig $0.00 5% $0.00 $0.00 5% OPEN SAVINGS AT HERTZ Ongoing $0.00 5% $0.00 $0.00 2% OPEN SAVINGS AT STAPLES Ongoing $0.00 2% $0.00 $0.00 10% OPEN SAVINGS AT USA TODAY Ongoig $0.00 10% $0.00 $0.00 15% OPEN SAVINGS AT 1.800-FLOWERS.COM Ongoing $0.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at open.americanexpress.com/dashboard Other Ways To Savel Save on your ooat of payroll preparation with Ceridian. To sea a complete list of partners Save on your USA TODAY subscription with OPEN Savings and ways to save, visit open.americanexpress.com/ Save on expense management software with ExpensAble. savings, or cal Design eye catching email campaigns with Constant Cortad and save. 1-800 NOW OPEN (669-6736) Save on business travel with the OPEN Network Business Travel Center. Get a $10,000 to $100,000 Line of Credit For more information, call 1-800-276-2504 to apply Need cash to grow your business? The Business Capital Line was or to apply online, visit specifically designed to meet the needs of small business owners. open.americanexpress. Business You can use it to finance short-term growth opportunities—or to pay for business expenses, such as payroll, inventory and rent. The cont/woddngcapital. Capital application is simple and takes only a few minutes to complete. NO collateral is required and 100% of your line of credit is available as (CE 105023) Line cash. Apply today. Subject to credit approval, not all customers may qualify. All applicants must have been in business for at least 2 years. Once approved the status of your account will be reviewed annually. Upon review you may be contacted to provide additional information. Save on Business Gifts from Williams-Sonoma® To order, please visit our weteite at www.williams- Williams-Sonoma is pleased to offer American Expresso Business sonoma.com/open or call Cardmembers a 10% discount on their 2004 Preferred Gifts Holiday 1.888.922.9227 to speak Brochure.* To view this seasons gift selections, visit www.wililams- with a Business Sales sonoma.com/open. Representative. Other WILLIAbISS0NOMA terms and conditions may apply. Palicipation and offer are subject to change 'Must use an American Express Business Card. Offer only valid for purchases made without notice. through 1.800.922-9227. Please mention Source Code 33212-00. Discount only available on merchandise in the Williams-Sonoma Preferred Gifts brochure. Not combinable with (CE 104960) other offers. Savings are not valid on gift certificates, taxes, shipping, gift-wrap or other surcharges. Offer valid in the U.S. only. Offer subject to item availabElty. Willams-Sonoma is a registered trademark of Williams•Sonoma, Inc. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704778 DUPLICATE COPY Page 8 of 8 Borrow Up to $100,000 at a Fixed Rate For a fast decision, apply online at The Business Capital Loan from OPEN: The Small Business open.americanexpress. Network'" is an unsecured installment loan with repayment terms of comfbusinessloan. 24 or 36 months. The simple application process and quick approval times allow you to receive your funds within two days. It is ideal for (CE 105018) BUSINESS CAPITAL LOAN large capital expenditures such as business expansions or office renovations, and the fixed monthly payments make planning a lot easier. Subject to credit approval, not all customers may qualify. All applicants must have been in business for at least 2 years. Exclusive Savings at Hertz • No Coupons or Codes Needed To learn more, visit open.americanexpress. Save 5% off your total rental cost, including taxes and surcharges, comisavings. when you pay with your American Express® Business Card. The savings are in addition to any savings you qualify for on your own (CE 105019) and will appear automatically on your statement each month. Ma ffetx Welly. Valid only at U.S. participating locations. Payment must be made with an American Express Business Card. Participation and offers are subject to thange without notice. Terms and conditions apply. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704779 DUPLICATE COPY 480' Blue for Business"~ OPEN SMALL BUSINESS NETWORK." belfsitikKe.. Points vauabla et05V3C104, whenCharfe#.06arelawdsisie 1011enclallacCOUnte*a#1000qtaVg9a Ckeem Ode 11/02/04 Page I of 8 Ntvi Aclivty S it MBAS-nerds 3 Minimum Payment Due Date Prevkus Balarce $ Payment Oases S Finance Clumn d any NewMara 5 Amount Due $ 11/27/04 2,864.76 0.00 +1,445.34 =4,310.10 126.00 Minimum Amount Duo Includes: Past due amount $40.00 This month's amount due Credit Line Total Credit Available Credit Cash Advance Available Cash $86.00 Summary Line $ Line S Limit $ Limit $ Please refer to -sage 2 on 11/02/04 16,300.00 11,989.90 3,260.00 3,260.00 for important information regarcfing your account Your account is past due. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Irdestes pre:nodal* AmountS Activity Total of Payment Activity 0.00 Amounts r INComILADELPHIA PA % - • - 83 36 .1,9/.04/ 4 fik tAT;;BUbGET RENT2A-CAR Gedt ‘"? ROC 676875 • 410/30:C4 ALL. SPEND BE; A TEST $1 1.00 EES001625 523.39 10,22/04 credt 1:0317A TC5.1T $1 1:03 001 $30.00 11)/23104 Credd 10/03/04 GIANT FOOD INC #362 GERMANTOWN MD 14 84 GROCERIES 10/03/04 SUNOCO 0374642701TREVOSE PA 26.86 SUNOCO 0009797 027815909 10/04/04 GIANT FOOD INC #362 GERMANTOWN MD 7.95 GROCERIES 3 Kuno loll on the perloresan below. deed, and teem yms pawed Contlrued on Page 3 Payment Coupon Payment Due Date: Please enter account 11/27/04 number on all checks and correspondence. Total New Balance Make check payable to $ 4,310.10 American Express. MR UMW Minimum Amount Due To avoid ackfitional $120.00 Finance Charges on Purchases, pay the New Balance before the GERMANTOWN 876 - 5960 Payment Due Date. • Check hero if address or telephone number has Amount enclosed changed. Note changes on reverse side. Mail Payment to: Hildlidd.HLWAILALAIMAJHUSH AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I Ilthililimlill 000431010000012600 02 rl EFTA01704780 DUPLICATE COPY Page 2 of 8 Payments: Payments received after 12:00 noon or on weekends or holidays maynot be cred led until the next bcsiness day. Payments, must be in US Dollars and drawn on a bank located in the US (other thane line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposited upon reoeid. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process To Pay By Phone checks electronically , at first presentment and any re-presentments, by Tansmitting the amount of the check, 1-800-472-9297 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 Customer Service presentment, we may_issue a draft against your account for the amount of the check 1.877.258.3254 Authorization for Electronic Payments: By using the American Express Pay By Computers Pay By Phone or any 24 hoursa days other American Express electronic payment service, you will be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you recited. To use Pay By Computer, please Lost or Stolen Card visit us at www.americanexpress.00m. 1-800-521-6121 Lost or Stolen Card: If the Card is lost or stden, in the U.S. immediately telephone us at the number indicated on your paper statement_ or click on the Customer Service link online. Outside the U.S. contact the nearest American Express Trave: ServiceOffice cr call any local American Express office. International Collect Finance Charges: Average Daily Balance Method Tor Calculation of Finance Charges:We use the Average Daily 1.623492-7719 Balance method to cakulate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the dilly periodicrate to the Average Daily Balance (as descritedbelow) for each feature (such as Hewing Impaired Purchases Cash Advance and Balance Transfer features) of your Account (Including current transactions). To get the (9am-5pmi EST) Average Dairy Balance for each feature, we (1 take the beginning balance far the feature each day (including unpaid TTY: 1.800-221-0950 Finance Charges from previous billingperiods), (2) add any new transactions, debits or fees (3) subtractany payments or FAX: 1400-695-9090 credits, and (4) make any appropriate adjustmens*For each day atter thanfirst day of the billing period, we also In NY: 1.800422.1897 add an amount of intense segued to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is corsidered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous months statement by the Payment Due Date shown on that statement. If you multiply the Average Dailyealance for each feature by the number Correspondence of days in the billing period and the daily periodic rate for that Mature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the bilkng period Customer Service is calculated by adding the Finance Charges assessed on all features of the Account. This method of calculating the P.O. Box 7863 Average Dolly Balance and Finance Charge results in daily compounding of Finance Charges. The minimum Ft. Lauderdale, FL Finance Charge for any billing pericdin which Finance Charges are imposed is $0.50. 33329-7863 In Case of Errors or Questions About Your Electronic Transfers: Please contact is by visiting us online at open.americanexpress.com, or you qan call us at 1.800-IPAY-AXP for Pay Ey Phone and Pay By Compiler issues, Payments or 1.800-CASH-NOW ler Express Cash and automatic payment issues. You can also write to ,the Express Cash PO BOX 360002 Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong. FT LAUDERDALE please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST* FL statement on which the problem or error appeared. 333364002 When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer ya.i are unsure of, and explain as dearly as you can why you believe there is an error or whyyou need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think sin error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor. American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rales,fees and grace periods by calling 1.800-518-8866. ("lenge of Address cooed On front Son% use Nome Company Marne Street Aadfoss Cis, State bp Cede Providing your email Area Coke and address to American HariPhone Express will enable you Mn Code and to receive special offers, work Phone suitedto your needs. Email EFTA01704781 DUPLICATE COPY I I ved Fa Page 3 of 8 11/02J04 mount New Activity continued 10/04/04 13200 LAUREL•BOWIE RLAUREL MD 31.42 21951400726279256040981 ROC No. 0244079ISL 10/05/04 GIANT FOOD INC #362 GERMANTOVVN MD 11.34 GROCERIES 10/05/04 EXXONMOBIL8304696266ROCKVILL MD 31.14 PAY AT PUMP8304696266 10/06/04 EXXONMOBIL1807724875GERMANT0 MD 25.98 PAY AT PUMP1807724875 10/06/04 GIANT FOOD INC #362 GERMANTOVVN MD 29.55 GROCERIES 10/07/04 Whole Foods Ken 0052GAITHERSBURG MD 16.78 GROCERY STORE/SUPERMRKT ROC No. 0002154 10/07/04 EXXONMOBIL1807724875GERMANTO MD 23.64 PAY AT PUMP1807724875 10/08/04 THE HOME DEPOT #2560GEF1MANTOWN MD 27.84 HOME SUPPLIES 10/08/04 BUDGET-STORAGE USA GAITHERSBURG MD 345.16 VEHICLE USAGE ROC No. 507040 10/08/04 GIANT FOOD INC #362 GERMANTOVVN MD 10.43 GROCERIES 11Y10/04 GIANT FOOD INC #362 GEPAAANTOWN MD 28.79 GROCERIES 10/10/04 SUNOCO 0363052205PHILA PA 3262 SUNOCO 0016021028515837 10/12/04 PAUL FREDRICK SHIRT 800-247-8162 PA 275 85 MENS APPAREL ROC No. 0027664418 10/13/04 15730 SHADY GROVE ROGAITHERSBURG MD 29.98 23068893180288275011360 ROC No. 0635300ISL 10/17/04 THE HOUSE OF JIN PHILADELPHIA PA 40.87 EATING PLACES AND RESTA 10/17/04 EXXONMOBIL1809675588PHILADEL PA 33.38 PAY AT PUMP/ 809675588 10/19/04 PAPA JOHN'S #6052066GERMANTOWN MO 11.54 RESTURANT 10/20/04 EXXONMOBIL1807724875GERMANT0 MD 34.93 PAY AT PUMP1807724875 10/21/04 EXXONMOBIL1807724875GERMANTO MD 29.70 PAY AT PUMP1807724875 10/21/04 GIANT FOOD INC #362 GERMANTOVVN MD 6.70 GROCERIES 10122#34 APPLEREES 001625GERMANTOWN MD 23.39 FOOD AND BEVERAGE FOOD 19.39 TIP 4.00 10/23/04 SUNOCO 0368300001E BRUNSWICK W 30.00 SUNOCO 0006811 029802220 10/29/04 EXXONMOSIL8304697462LAUREL MD 34.57 PAY AT PUMP8304697462 Continued on reverse EFTA01704782 DUPLICATE COPY Sin Page 4 of 8 New Activity continued Amount* 10/29/04 BEST BUY CO 819 GERMANTOWN MD 157.49 ELECTRONICS/APPUANCES ROC No. 004 07616 10/29/04 SUNOCO 0368302601WOODBRIDGE NJ 16.00 SUNOCO 0007163 030402389 10/29/04 MILESTONE CENTER GEFIMANTOYVN 50MD 1258 TJMAKX 0025 ROC No. 0250021130 10/30/04 REVERSAL OF AU. SPEND BETA TEST $1 1.00 APPLEBEES 001625 $23.391022/04 10/30/04 REVERSAL OF AU. SPEND BETA TEST $1 1.00 SUNOCO 0368300001 $30.001023/04 10/30/04 Late Payment Fee 35.00 10/30/04 SEPHORA-FLATIRON 830NEW YORK NY 48.88 DUTY FREE STORE ROC No. 001443 11/02/04 Periodic FINANCE CHARGE 43.50 Total of New Activity 1,445.34 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Penedo Billing days this period: 30 Balance $ Periodic Rale PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 3,786.72 0.0383% 13.97% 13.99% 43.50 Cash Advances 0.00 0.0541% 0.00% 19/4% . 0.00 43.50 Certain of the periodic rates and APRs above may be variable Those tales may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmemberagmement-as currently-in effect. - •- - 7.-- EFTA01704783 MembeiVikftlifaffis Options' Monthly Statement and Page 5 of 8 Program News American Express• For questions about your Statement Period fl MC '4 Censure Membership Rewards account, September 1, 2004 - September 30, 2004 Vik1 " • " n) contact 1-800-AXP-EARN Account activity attar this period does not appear on this statement A-11.u. (297-3276) Available Points vonv.americanexpress.conVrewards 4,180 American Express Membership Rewards PO Box 297813 Points are available when charges are paid in NI and all your accounts we in Ft. Lauderdale, FL 33329.9785 good standing. Account Summary Opening points balance 3,621 New points earned +559 Points transferred or redeemed 0 Reinstated points 'and adjustments 0 Now points balance 4,180 New Points Earned 09/01/04.09/30/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 559 0 559 Totals 559 0 559 Motba sh0 Rewards Cpbans perils corned may be trordened or recleancd ao long ae ad ortrdicd Card wt.en are in geed stardni. Font Itenslerred a redeemed carnet be reversed beck Info Die pregrant Forfeited points can be reinstated grate* by calling the renter provided below. F.h3Ids Card chines we sacred it the Idernbentep Rewards Cceorta program Terns and Ceedlians in your Atemtershn Rewards Cdtont Gide. 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To be Ngtb to earn tarts points you mull be eordied n the klarbershp Re-minis der/ernal to 6110 d purchase and charge your purchase roan eligtte, enroledAmeri-an EN:Jesse Cad Stew pout wa be crecoal to ytrx Merrbershp P.ewards eccoull waken 1042 weeks after thug:* oppose on yew bang deterrent. nonul D:1687. Membership Rewards Announces New Car Rental Program Are ft icon. ex Ores Effective January 2005, the Membership Rewards® program Check cut tho upcoming will enhance its car rental program by offering certificates 2005 Annual Program Guide for more details. from Avis, Hertz and its new partner Enterprise. Program benefits will include: applicability to best available rate and (MR Message 8060) additional discounts for Membership Rewards enrollees. Stied la me lame ard cortbknS efeetive January 1.2006" Than* ar4 Carnal, =V vary by Pater. Generates Iran Barbel, Doter, NiereieJerd INV we be issued Droop December 31, 2034. and be veld 6 most from date at Gaul. 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EFTA01704784 <nn re TE COPY s."`mantOCIISIIIP Page 6 of 8 detBlue - Our Newest Membership Rewards® Program Partner For more information jetBlue Membership Rewards welcomes JetBlue Airways as its newest airline transfer partner! Beginning December 8, 2004 about JetBlue or to join TrueBlue, visit you will be able to redeem Membership Rewards points wwwletblue.com. directly into TrueBlue, JetBlue's Flight Gratitude program. AIRWAYS' JetBlue serves 29 destinations in 12 states, Puerto Rico, the Dominican Republic and now Nassau, The Bahamas. All Visit www.american express.corn/rewards or call 1.800-AXP-EARN JetBlue aircraft feature roomy all-leather seats each (297-3276). equipped with free live satellite television, offering up to 36 (MR Message 5031) channels of DIRECTW Programming at every seat. 250 Marben/ip Rewords pcires equals I Trucial* pit (1230 Pdd rrireTcrn eansfia). 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(Bonus ID 2764) Offer rnexavanoltSCO teats pokes gage ommoas To beHebb to earn talus poi,* wu most be *craw in the Wartime°Ramada pagan id tn Dm ofpurchase an] you must charge yew µewer en imolaibb. emceed ameleen Eageessie Dad Bona parft MIbe creitad to your Nombeusep Resumes eccart with 643 wade, Mos charges appoaran yncr tag ;anent emu ID:2704. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704785 OPEN SaviranartAr Page 7 of 8 Total Savings to Date Savings Since Savings This Period For This Account May 2004 Through Nov 01 0.00 C.00 0.00 Program End Date Transactions Discount % Savings Savings Since This Period or Credit This Period May 2004 AT&T - 5% OPEN SAVINGS Ongoing $0.00 5% $0.00 $0.00 FEDEX - 5% OPEN SAVINGS Ongoing $0.00 5% $0.00 $0.00 HERTZ - 5% OPEN SAVINGS Ongoing $0.00 5% $0.00 $0.00 STAPLES • 2% OPEN SAVINGS Ongoing $0.00 2% SO.00 $0.00 1•800•FLOWERS.COM -15% OPEN SAVINGS Ongoing $0.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at openamericanexpresscom/dashboard Other Ways To Save! Ease the headache of payroll with Ceridian Payroll Services and Save! 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(CE 105129) Parent must be made with an American Expresso Business Card. Participation and offers are subject to change without notice. Terms and conditions apply. Pay Your Property Taxes Conveniently Online Visit www.offldalpayrnents. Enjoy the convenience and flexibility of paying your property taxes corniamex7.jsp or cal with your American Express® Business Card. Through Official 1.800.2PAY-TAX"'. Payments Corporation®, you can use your Business Card to pay property taxes in over 1,500 counties across the nation. You can also (CE 105120) pay your federal and state quarterly estimated payments on the Business Card. Visit www.officialpayments.com/amex7.jsp to see what payments you can make in your area. Note: Tax payments made with the Card are subject to a convenience lee charged by Official Payments. For complete details about fees and participating government agencies, visit wyny.officialpayments.com/amex7.1sp. Always Save an Extra 15% To place your order today, visit vnvw.1800flowers. This holiday season, thank the people that have helped your corn or call business succeed this year. 1-800-FLOWERS.COMe otters a 1.800-FLOWEAS.COM' comprehensive selection of unique holiday business gifts including (1-800-356-9377). gift baskets, crystal, chocolates, popcorn, flowers, and more. Use (CE 105099) your Card and you are guaranteed to save 15% off your total flowertc 4om purchase. Your savings are in addition to discounts your business may already receive and are inclusive of taxes and surcharges.* Payment must be made with an American Express* Business Card. Savings automatically appear on your statement each month. Participation and offers are subject to change without notice. Valid at all U.S. participating locations. Terms and conditions apply. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704786 DUPLICATE COPY II Pt al Ca NIS Page Sot 8 Earn Double Points by Donating to Your Favorite Charity To make a donation, go to vwmamericanexpress. Donate to any of over 1,000,000 U.S. charitable organizations and comidonate. earn Double Membership Rewards® points for every dollar you Terms and conditions of BONUS; donate with an eligible, enrolled American Express® Card. This bonus point promotion Is only eligible to Cardmembers who donate through the Membership Rewards program apply. For more the American Express Donation Site between October 1, 2004 and information visit December 31, 2004. www.amedcanexpress. To earn bonus points, you must be enrolled in the Membership Rewards program al the corn/rewards. time of the donation and must charge your purchase on an eligible, enrolled American Express Card. Donations of Membership Rewards points are not tax deductible. Bonus (CE 105058) points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your billing statement. The maximum number of points you can earn through this promotion is 25,000. Bonus ID: $969. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704787 DUPLICATE COPY 5,391 Blue for Business'" OPEN SMALL BUSINESS NETWORK" fitembership ReWards® points Available af:10:31/04,i,hen charges die we paid in. :tulle at accounts are in good stancbrig. mo m Ghee Dee 12/02/04 Page 1 of 7 it New Matz! Minimum Payment Due Date Presets Bares S nawrierdeses Firarco=riant New Bares S Amount Due $ 12/27/04 4,310.10 0.00 4256.60 334,566.70 239.53 Minimum Amount Due Includes: Past due amount $126.00 This month's amount due Crain Line Total Crecit Available Credit Cash Advance Available Cash $113.53 Summary Lk* $ Line $ Limit $ Limit $ Please refer to page 2 on 12/02/04 16,300.00 11,733.30 3260.00 3,260.00 for important information regarding your account Your account is past due. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258.3254. Activity "ffscals"a'sgda Amount I Total of Payment Activity 0.00 AmountS 11/03/04 SUNOCO 0015161301WOODCUFF U< NJ 31.00 SUNOCO 0003292 030902229 11/13/04 GREENPOINT TRUCK STOBROOKLYN NY 32.67 000634508 SERVICE STATIONS 11/18/04 SUNOCO 0368299401CRANBURY NJ 34.00 SUNOCO • 0008532 032402361 11/18/04 Whole Foods Che 0223MANHATTAN NY 25.40 GROCERY STORE/SUPERMRKT ROC No. 000148156 11/29/04 Late Payment Fee 35.00 12/02/04 Periodic FINANCE CHARGE 98.53 Total of New Activity 256.60 + PIUS* tic on the pelora,cn Maw,Man am roan we yea payment Continued on Page 3 Payment Due Date: Please enter account Payment Coupon 12/27/04 number on all checks and correspondence. Total New Balance Make check payable to $ 4,566.70 American Express. MR MR= Minimum Amount Due To avoid addaional $239.53 Finance Charges on Purchase% pay the New Balance before the GE R 0 Payment Due Date. Check here if address or telephone number has Amount enclosed changed. Note changes on reverse side. Mail Payment to: IldaddAWMALadflullandiaddl AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I I I I I II III I It II 1..11111111II It III II I I I I I I I I I II II III II I 000456670000023953 02 H EFTA01704788 DUPLICATE COPY' Page 2 of 7 Payments: Payments received after 12:00 noon or on weekends or holidayG may not be credited unfil the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They wit be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process To Pay By Phone checks e:ectronically , at first presentment and any re.presentments, by transmitting the amount of the check, 1.800.472.9297 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 Customer Service presentment, we may issue a draft against your account forthe amount of the check. 1-877-258-3254 Authorization for Electronic Payments: By using the American Express Pay By Computer, Pay By Phone or any 24 hoursf7 days other American Express electronic payment service, you will be authorizing American Express to inAiate an electronic debit to the financial account you specify in the amount you request.- To use Pay By Computer, please visit us at vivny.americanexpress.com. Lost or Stolen Card Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your 1-800-521-6121 paper statement, or click on the Customer Service lir* online. Outside the U.S. contact the nearest American Express Travel Service Office preen anytocal Americancwess office. International Collect Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily 1.623-492.7719 Balance method to calculate Finance Charges on your Acoount. Under this method, we l pure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as :l paired Purchase, Cash Advance and Balance Transfer features) of your Account (nduding current transactions). To get the (Ham EST) Average Daffy Balance for each feature, we (1i take the beginning balance far the feature each day (nducfmg unpaid 1.800.221.9950 Finance Charges from previous billing periods), 2) addany new transactions, debits, or fees, (3) subtract any payments or FAX: 1.800.695.9090 crecfits, and (4) make any appropriate adjustmer.is.For each day after the first day of (he billing ponoci, we also add an amount of interest equal to rho previous day's deify balance multiplied by the dal' periodic rate In NY: 1-800-522-1897 for the feature. This gives us the daily balance for the feature for that day and the beginning balance fOr the feature for the next day. If the balance is negative, it is considered to be zero. Then, we add up ail the daily balances for the feature for the billing period and (Wide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number Correspondence of days in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by round®. The total Finance Charge for the billing period Customer Service is calculated by adding the Finance Charges assessed on all features of the Account. This method of ca'culeffng the P.O. Box 7863 Average Dairy Balance and Finance Charge results in daily compounding of Finance Charges. The minimum Ft. Lauderdale, FL Finance Charge for any billing period in which Finance Charges are imposed is 50.50. 33329-7863 In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at cpen.americanexpress.com or you Can call us at 1.800-IPAY-AXP for Pay By Phone and Pay By Computer issues, Payments or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash PO BOX 360002 Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong„ FT LAUDERDALE please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST FL statement on which the problemorerror appeared. 33336-0002 When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error, 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or whyyou need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, wo will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to comrieteour investigation. Creditor. Ammican Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1.800.5188866. Change of Address Mooney en hall do tea us° Nome Company Name &root Melees Cry. Stale zp Code I— Providing youremail Area Cede and address to Amercan Horne Phone Express will enable you Area Code and to receive special offers, Week Phone I I suited to your needs. Email EFTA01704789 DUPLICATE COPY IPrI cd For Account Nwiter Cicero Cora Page 3 of 7 12/02/04 Finance Charges Average Daily Daly Actual ANNUAL Nominal ANNUAL Periodic Biting days this period: 30 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 4,444.39 0.0739% 26.97% 26.99% 98.53 Cash Advances 0.00 0.0739% 0.00% 26.99% 0.00 98.53 Certain of the periods rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704790 DUPLICATE COPY Page 4 of 7 EFTA01704791 MembeRhifitiefaiffis Options- Monthly Statement and Page 5 of 7 Program News For questions about your Statement Period Membership Rewards account, contact October 1, 2004 - October 31, 2004 Account activity after this period does not appear on this statement 1-800-AXP-EARN (297-3276) Available Points wonv.americanexpress.coralrewards 5,391 American Express Membership Rewards PO Box 297813 Points are available when charges are paid in full and all your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 4,180 New points earned +1,211 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 5,391 New Points Earned 10/01/04 - 10/31/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 1,211 0 1,211 Totals 1,211 0 1,211 Membeistip Rewards Cptims panb earned may he transferred or redeemed as lonp ea enenrolee Card accesras 4:tango:el standing Rante Venslatitel or redeemed cannot be reversed bads into the program. Forfeited Writs can be mInstand Safe. by ceiling the number provided below. Dade cr4e charges are cedined in se Werten Ns Rewards Coticre program Teem Cendeiont n your Idembershrp Ramada 40:41$ Guide. 6 yen have quetitiTh glOasovist vntrwarneilcanexpress.comMembershIpremardsoplIons a cal l4100-AXREARN (297-327Ce. From cameos, calloalect3064I42789. Earn Double Points from Oreck Vacuum Earn double points when you use your Card to purchase the Call 1-800-646-6934 today BONUSZ3 Celoc® Hypo-Allergenic Plus 8 lb Oreck XL® Vacuum by and earn double points on your Oreck XL" Vacuum NIENCERSHIP calling 1-800-646-6934. PLUS, for using your Card you'll and receive a free compact also receive the 5 lb Oreck Compact Canister with 8 • canister just for using your attachments perfect for small pickups and hard to reach Card. places. (Bonus ID 9836) Cher raid iffliftt through 1/31/05. Not nen an snie pun:hases. Town bonus Pada feu mini be enroFfn in the nem:est:is rewards. paccreen al Me free Cl purchase and charge yaw purchase loan eSable, taloned AltieliCatlEmta.s. Cad. Bona pall wil be oridted to your Membership Renard, ecceeri wrtin6-8 veto alter chacte appear at your bin; tialentect. Bonus IO 9136. Live Out Your Racing Fantasy at Richard Petty Driving! Satisfy your need for speed with the Richard Petty Driving To review these rewards and redeem points, visit Experience. From passenger seat ride-alongs with a www.americanexpress. professional instructor, to 30 laps behind the wheel, Richard com/rewards or call Petty offers the most exciting entertainment experience for 1.800-AXP-EARN you, your family and friends. (297-3276). (MR Message 6137) EARN Double points for Your Tickets with TKT.com! With 15 years experience, TICI.com otters PREMIUM seating Book online at VAYW.TKT.com or cal to concerts, theater and sporting events. Now earn double *Hite. Membership Rewards° points on all your tickets through January 31, 2005. 1.800-ALL-SHOWS to earn double points. (Bonus ID 2764) Oiler mannum c42,SCO tenor paints thatrah Olf3ta2C05. Tote °tablet* cam bonds posh. wumval be enrolled in the Aterrberalits Rewards Progam et the lone diUrt hra and yes cant Chan:. your purchase on an el de, owned American Everette Card Baran comb wll be dredged 1* scor Wardership Rewards aceeunt wNJn Ch nooks efler chaveo ;pare your hith9 shamed. &IVA 0 : 27" Coreinued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704792