by date← Jan 31, 2005·Feb 1, 2005 →

EFTA01704793

Dataset 10

January 31, 200587 pages38,825 words

https://www.justice.gov/epstein/files/DataSet%2010/EFTA01704793.pdf

Extracted Text

Highlighting: “"American Express"”

American rre: ATE COPY 4 CCCCCC SHIr. Page 6 of 7 BIN_ •RPI • it Earn 10x Points with Flower Club Earn 10x Membership Rewardse points when you shop Visit witne.membershlp Teleflora's FLOWER CLUB() with Flower Club through January 31, 2005. Visit www.membershiprewards.flowerclub.com or call 1-800-775-7523 to select beautiful holiday flowers or find rewards.flowerclub.com or call 1.800-775.7523 to send flowers or gifts for them, and earn 10x points last-minute gift ideas. So brighten everyone's day with for you. flowers or a gift from the Flower Club, and bonus points for (Bonus ID 0237) you. Ober must be placed 6raud, URI shorn aborts or by Owns batmen IMADLI/31/05 Saba/Ey S3I tabs sorb. Cabot be • wth any ot2w cbmi at bait probsticns. To torn tome prin. you mat bo ocyypert in be beyperuitis Pends pnbran et tho Una d pathosant charge Jour Purclba an diptle, enrolled American EsbestAl Card Bonus p&d, vc9 bo crobsd b your crowdbah 10.12 woofs aim charges appear on yew bleb ddement Brass ID: 0237. Wyndham Hotels & Resorts is joining the Membership Rewards® program! Wyndham Hotels & Resorts has destinations throughout To raven these rewards North America, the Caribbean and Mexico. At every and redeem points, visit vnvw.ameticanexpress. Wyndham, you'll find a casually elegant atmosphere and comfrewards or call amenities such as Herman Miller Aerone chairs and Golden 1-800-AXP-EARN Door® toiletries. Redeem Certificates at Wyndham Hotels, (297-3276). Wyndham Resorts, Wyndham Luxury Resorts or Summerfield (MR Message 9185) Suites by Wyndham. Sayori to aealabaly. Advance rreervatens requited. Earn Double Membership Rewards® Points by Donating to Your Favorite Charity Donate to any of over 1,000,000 U.S. charitable To make a donation, go to BONUS; organizations and earn double Membership Rewards® points vnonv.americanexpress. comfdonate. 2 for every dollar you donate with an eligible, enrolled American Express® Card. This bonus point promotion is only Terms and conditions of eligible to Cardmembers who donate through the American the Membership Rewards Express Donation Site between October 1, 2004 and program apply. For mere information visit www. December 31, 2004. americanexpress.comr To earn trona prate. you must be enrolled bent Member* Rematch Obit= at boline d 00 dondan rewards. (Bonus ID 5969) and mat charge your purchase on an ellptle. arab Mrercan Ebbw Card. OCCOSOrtS of Venters* Rewads pdnb are not tati dectuctbles Scout Paris wit Le credited to wee M. ttras1.0 licurxds scout with 6-e weeks Mar charges WPM on yam tarp slabbed. The matirrurn rut of pt.t you ear earn Prowls Ws pirtnction b75.000. Scotus ID:5969. American Express Gift Cards • It's Good All Over the Place! Membership Rewards enrollees can now redeem points for To preview this reward and American Express® Gift Cards. American Express Gift Cards to redeem points, visit www.amertcanexpress. let the people you care about get exactly what they want, comirewards or call wherever they want. Unlike store gift cards or certificates, 1-800-AXP-EARN American Express Gift Cards are good in over a million (297-3276). For questions places. From sushi to sporting goods to suede jackets, about Gilt Cards, please contact customer service they're good in the U.S. wherever American Express® Cards at 1-877-AXP-GIFT. are accepted. Give them to friends or family for holidays, (MR Message 4264) birthdays, graduations, weddings, or just to say "thank you." Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704793 OPEN savinrififiRa Pcf.go 7 of 7 xxxx-xxxxa Total Savings to Date Savings Since Savings This Period For This Account May 2004 Through Dec 01 0.00 0.00 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% $0.00 $0.00 1.800-FLOWERS.COM -15% OPEN SAVINGS Ongoing $0.00 15% $0.00 $0.00 Totals $0:00 $0.00 Other Ways To Save! Ease the headache of payroll with Ceric5an Payroll Services and Save! To see a compete list of partners Put Expense Reports In their place with ExpensAble... and ways to save, visit open.americanexpress.com/ Use your Business Card and save on Constant Contact email services. savings, or call Find the perfect business gift and great savings all-800-FLOWERS.COM. 1.800 NOW OPEN (669.6736) Business Filings provides everything you need to incorporate your business online. EFTA01704794 DUPLICATE COPY 6,760 Blue for Businesssm OPEN Membership Rewards® Points Available 411/30/044%/hen. ' ' SMALL BUSINESS NETWORK" Cleskd Ode ItagedaltaZoaiiiiks 004 01/03/05 Page 1 of 7 New Ace.* $ rd. Adwirnems aid Minimum Payment Due Date Freya-Is Sainte Parted Aetivilf S Kinard* Mew Nem New Uwe* $ Amount Due $ 01/28/05 4,566.70 0.00 +145.29 c4,711.99 364.82 Minimum Amount Due Includes: Past due amount $239.53 This month's amount duo Credit Line Total Credit Available Credit Cash Advance Available Cash $125.29 Summary Line $ Line $ Limit $ Limit $ Please refer to page 2 on 01/03/05 8,200.00 3,488.01 200.00 200.00 for important inlet-nation regard® YOUr account Your account is past clue. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.amerIcanexpress.com/paybill. Please note, your credit limit is $8,200.00 and your cash limit Is $200.00. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258.3254. Activity "nac" Pan Anemia Total of Payment Activity 0.00 12/29/04 Late Payment Fee 35.00 01/03/05 Periodic FINANCE CHARGE 11029 Total of New Activity 14529 + Plate fed on 888 ;endear, bobs, dtach and ;Kum wth your payment Ti Continued on Page 3 Payment Due Date: Please enter account Payment Coupon number on all checks and Imams correspondence. Total New Balance Make check payable to $4,711.99 American Express. wilt ppm Minimum Amount Due To avoid additional $364.82 Finance Charges onNev 110.1.1.15960 Purchases, pay the Balance before the Payment Due Date. • Check here if address or telephone number has Amount enclosed changed. Note changes an reverse side. Mail Payment to: AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 II 111111111IS dl 111 000471199000036482 02 rl EFTA01704795 DUPLICATE COPY Page 2 of 7 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Parents must be in US Dollars and drawn on a bank located in the US (other than a line of credo check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope wth the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other lorm or at any other location, there may be a delay in giocessing. We reserve the right to process 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 be deb1ed as soon as the same day we receive your payment. If wo cannot collect the funds electronically at first Customer Service presentment,we mayissue a draft against your account for the amount of the check. 1.877.2583254 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 service, you will be authoringAmericanbanes to initiate an electronic debit to the financial acccunt you specify in the amount you request. To use Pay By Computer, please visit us at wvnv.antericanexpress.opm. Lost or Stolen Card 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 ServiceMoe or call anykocal 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 Finance Charges on your Account by applying the daily periodic rato to the Average Daily Balance (as describ elow) for each feature (such as Hearing Impaired Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the (9am- m EST) Average Daily Balance for each feature, we (I) take the beginning balance for the feature each day (including unpaid TTY: 1-800-221.9950 Finance Charges from previous tiling periods), (2) add any new transadions, debits,or lees (3) subtract any payments or credits, and (4) make any appropriate adjustments.For each day after the first day of the billing period, we also FAX: 1-800-695.9090 add an amount of interest equal to the previous day's daily balance muleplled by the dally periodic ate In NY: 1-800-522-1897 for the feature. This grves us the daily balance for the feature for that day and the beginning balance b* the feature for the next day. II this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days lithe billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance O wil be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number Correspondence of days in the billng period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the billing period Customer Service is calculated by adding the Finance Chargesassessed 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 billing periodic 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 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 mail investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees andgrace periods by calling 1.800.518-8866. Change el Address I canna on front do not use Nino Canpany Nano Street &Ureic City, Stale r-, tip Code Providing your email aria Cede and address to American Hone Phone Express will enable you Area Cob and to receive special offers, j Wont Phene suited to your needs. Email EFTA01704796 DUPLICATE COPY For Ancoorit Nurte Cloth, Des Page 3 of 7 01/03/05 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this penod: 32 Balance $ Periocic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 4,626.40 0.0745% 27.19% 2722% 11029 Cash Advances 0.00 0.0745% 0.00% 27.22% 0.00 110.29 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704797 DUPLICATE COPY Page 4 of 7 EFTA01704798 MembeNfitrfritafthiFils Options' Monthly Statement and Page 5 of 7 Program News American. Exrress> For questions about your Statement Period Membership Rewards account, contact November 1, 2004 - November 30, 2004 1-800-AXP-EARN Account activity after this period does not appear on this statement (297-3276) Available Points vmv.americanexpress.com/rewards American Express 6,760 Membership Rewards PO Box 297813 Points are available when charges are paid in lull and all your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 5.391 New points earned +1.369 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 6,760 New Points Earned 11/01/04 - 11/30/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 1,369 0 1,369 ISM Totals 1,369 0 1,369 Merbershp Reward; Outran: parts earned may be vanderred a redeem dm lag as al onstul Card asount are ingad eta-sing.Port Irandetrod a rodeerntd cvmubo fiNOMOdtIOCk irto the POparn. Forfeited points can be reinstated for a fee by calling the number provided below. Bale Cat Wean aro craned inMa Morrixesht Rewards Chaos argon Toms and Conaions in yox ModborstipRoast Octons Gude. Ilya bore quesbons. phwe •4311 varacamedcarexpeencornrmemberthlprevardsoptions or oil 1-000-AXP-EARN (297-32761. From *anew. call coral 305.8162799 Earn 10x Membership Rewards® points from Flowers USA Surprise your Valentine with fresh flowers or unique gifts Shop online at from Flowers USA! With low prices, starting at just $29.99, www.flowersusa. FLOWERS choose from a wide variety of fresh flowers and quality gifts Com/annanr or call 1.800.873-6165 with for your special Valentine this year. Best of all, earn 10x promo code 3134 for Membership Rewards points when you shop at flowers and gifts this www.flowersusa.com/amxmr or call 1-800-873-6165 with Valentine's Day. promo code 9951. (Bonus ID 1687) Offer vifilltraran 12/3905. Net yard at total sheds or n cantram vain any other err IranFlaws 1.154. To earn barn paints. you must to caeca in tic .Varistrafrp Pasant Crobram as; kneel Purchase anti ciwo, icor Dachas° tO an Mgr*. tar:aid American Exposer Card. Bona poNswa be omits to your &sant Minn 10-12 weeks stet Marcel appear en your bane statrmar. Bass 0:1687. Restoration Hardware Joins the Membership Rewards® program Restore your faith in quality and service and reward yourself Shop at over 100 with a Restoration Hardware Gift Certificate. Easily find Restoration Hardware TIIESTORATIOM stores, our catalog Designer quality Home Lighting, Home Furnishings and 1.800.762-1005 or online 1 \ HARDWARE I I Textiles, Outdoor Furniture and Garden Accessories. at www.Restorationhard ware.com. (MR Message 8137) Now! Redeem Points for The Molting Pot Gift Cards! Am (iiram EirtiOte Now you can redeem points for Melting Pot gift cards. At To redeem for a $50, $100 „ E.... MEMO neN ti The Melting Pot, fondue becomes a memorable four-course or $150 The Melting Pot • •• dining experience. Guests enjoy a choice of tour flavorful gift card, visit www.americanexpress. fondue cooking styles and a variety of tasty entrees Including corn'rewards or call lobster and sirloin, combined with special dipping sauces. 1.800-AXP-EARN The menu also includes creamy cheese fondues, fresh (297-3276). salads, fine wines and mouthwatering chocolate fondue (MR Message 7324) desserts. To find one of our over 80 locations near you, visit www.meltingpot.com. Continued on ravens Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704799 American Express• • ' 011ikrATE COPY IMIS • • Acoourl Nutter Page 6 of 7 ,) 0REWARVuJ Earn TRIPLE Points from DiscountOfficeSupply.com - All Year! D s 0 0 Now you can earn TRIPLE Membership Rewards® points Start shopping, saving and earning TRIPLE points at every time you shop at DiscountOfficeSupply.com, your warw.discountoffice ultimate online source for everyday office essentials. Earn supplycom today--and O f f Ce uF ; bonus points while you choose from our selection of over EVERYDAY, ALL YEAR! ' • •. 40,000 items, from office basics to the latest in electronics like PDAs and digital cameras. Plus, orders over $50 qualify (Bonus ID 4852) for FREE shipping! Mee veld OF04112,31/0S. Free shtoiro does not spay to wars wrier $50rd evoirdes select coorsacd ore awlrurntwe sob:Iwo To eau toms Danis.you rotor GO M0RA in the MonorsliP Rowarris p onna! the the a/purchase aid ohms yea purchase to an ergbe. noted knortal Erroccsse. Card. axes poi,Its wa be weds lo yon exam wet 68 vreeire ol Ones .flaring an Yow OFFr3 elefeent Banos ID: 4852 Enjoy Great Rates with Enterprise Rent A Car® Redeem now for an Enterprise rental car certificate, and To review these rewards enjoy great cars, great savings and free pick up* at more and redeem points, visit www.amencanoxpross. than 5,400 airport and neighborhood locations. Call comIrewards or call ficiantesyse Welcbtcycouce 1-866-875-0459 for reservations, and mention customer 1.800-AXP-EARN code AMXMRP. Choose a $50, $75, $100, $200 or $300 (297-3276). rewards toward your next rental with Enterprise. (MR Message 6167) term* arcl crop-0 sevro osrtryectbgeoorapra, and Sher metro:ea Italia tent& quieten:ea and 0ntnacal WAY Ertegrne Reward owte lams awl Cartes nay. Introducing the Cuisinart 10-Piece Commercial Cookware Set Cuisinart would like to introduce the Cuisinart 10-piece Redeem row at „ M£ MG ERA? P vnew.americanexpress. Commercial Cookware Set (PRM395) for 25,000 points. The corn/rewards. ti ll • • • • • ! kitchens of France were the inspiration behind the elegant Cuisinart® Chefs Classic"' Stainless Cookware Collection. Set includes: 1-1/2 Qt. Saucepan w/Cover, 3 Qt. Saucepan (MR Message 9187) w/Cover, 3-1/2 Qt. Sauté Pan w/Helper Handle and Cover, 8" Open Skillet, 10" Open Skillet, and 8 Qt. Stockpot w/Cover. Celebrate 2005 with a Gift Card from 800Wine.com Atarsitan es ?lite Whether you want to send a gift, join a wine club, or order a For more information call new wine rack for yourself, 800VVine.com has just what you 1-800-AXP-EARN or log ;RR IN11.0.b1 cn to vavim.amettcan need. The premier international wine gift, 800Wine.com ships express.com/rewards. all gifts locally, ensuring the fastest and least expensive service available today. Order 24 hours a day at (MR Message 7148) www.800VVine.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. EFTA01704800 OPEN Savinnaha Page 7 of 7 Acccur Nterte• Total Savings to Date Savings Since Savings This Period For This Account Jan 2005 Through Jan 02 0.00 0.00 0.00 Program End Date Transactions Discount % Savings Savings Since This Period or Credit This Period Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL Ongoing $0.00 5% $0.00 $0.00 BUSINESS CALLING PLANS FEDEX - GROUND, EXPRESS AND Ongoing $0.00 5% $0.00 $0.00 INTERNATIONAL SHIPMENTS HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at open.americanexpress.com/dashboard. Other Ways To Save! Use your Business Card and save on Constant Contact email services. To see a complete list of partners Manage your business finances more effectively with QuickBooks and save. and ways to save, visit open.americanexpress.com/ Save on gift baskets, gourmet foods and flowers at 1-800-FLOWERS.COM savings, or call Inc:morale your business online with Business Filings. 1-sno -Nnw•OPFN (ARg-R7V) EFTA01704801 DUPLICATE COPY Blue for Business" OPEN • Meinbership Rewards® Points Available at 12131/04, whencharge's due are paid in, SMALL BUSINESS NETWORK" full ano all accounts are In good standing. Cht.ro DMe• 02/02/05 Page 1 on New AZOrtly Ire. Attest-nets and Minimum Payment Due Date PreAous Sabre* S Psiment Acludy $ Flume ...hargOs I Sly New BalanceS Amount Due $ 02/27/05 4,711.99 0.00 -37.38 =4,674.61 255.74 Minimum Amount Due Includes: Past due amount $138.14 TNs month's amount due Credit Lino Total Credit Available Credit Cash Advance Available Cash $117.60 Summary Une $ Line $ Limit $ Umit $ Please refer to page 2 on 02/02/05 8200.00 3,525.39 0.00 0.00 for impatient information regarding your account Your account is past due. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity .'atatesPc."" e Amounts Total of Payment Activity 0.00 /WARMS 01/13/05' Credit Adjustment for Purchas..9 F flare.? Cnarge 01/13/05 Credit Adjustment for Purchase F narce Ciarge 01113/05' Credit Adjustment for Purchase Pearce Cnarge 01113/05* Credit Adjustment for Purchase Finance. Ciarge .• Credit 01/13105' Credit Adjt.stment for Purchase Finance Cnarge 1.79 cticitq 01/13/05' Credit Adjustment for Purchase Finance Cnarge -ton Create 01/13/05' Credit Adjustment for Purchase Enance Charge 0.83 Credt 01113/05' Dispute - CHEVRON 0211 /!e 40,45. erect 01/13/05' Dispute - CHEVRON 0211778 Cteut. • PilaSe lOtS an the podOlabOn bokvi,chlta:Ilard NfUnl vat Ku( paMinl Continued on Page 3 Payment Due Date: Please enter account Payment Coupon 02/27/05 number on all checks and correspondence. Total New Balance Make check payable to $ 4,674.61 American Express. Minimum Amount Due To avoid additional $255.74 Finance Charges on PurchaSeS, pay the New Balance before the 5960 . 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 000467461000025574 02 ii EFTA01704802 DUPLICATE COPY Page 2 of 7 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do no; send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process 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 cannot collect the funds electronic* 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 hoursr7 days other American Exdess °Notre= payment service, you will ba authorizing American Egress to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please Lost or Stden Card visit us at vnvw.americanexpress.com. Lost or Stolen Card: If the Card Is lost or stolen, in the U.S. immediately telephone us at the number indicated on your 1-800-521-8121 paper statement,_or dick on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel ServiceOffice or call any local American Express office. 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 thismethod, we figure the Finance Charges on your Account by al:flying the daily periodic rate to the Average Daily Balance (as describedbelow) for each feature (such as Hearing Impaired Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the (gam-5pm EST) Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (ina- iding unpaid TTY: 1.800-2'21.9950 Finance Charges from previous billing periods), (2) add any new transactions, debits, or fees, (3) subtract any paymenNor credits, and (4) make any appropriate aciustme .For each day offer the first day of the billing od, we also FAX: 1-800-695-9090 add an amount of Interest equal to the previous days deity balance multiplied by the d ly 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, 4 is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the tilling period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, If any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average DailyBalance for each feature by the number Correspondence of days in the billing period and the daily periodic rate for that Nature, the result will be the Finance Charge assessed on that feature, except for variations causod by rounding. The total Finance Charge for the baling period 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 Deily Balance end Finance Charge results in deiry compounding of Finance Charges. The minimum Ft. Lauderdale, FL Finance Charge for any billing period in which-Finance Charges are imposed is S0.50. 33329.7863 In Caso of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at opan.arnericanewesscoms or you can call us at 1.800-IPAY-AXP for Pay By Phone and Pay By Computer issues, 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 possilote.wee We must hear Irom you no later than 60 days after we sent you the FIRST FL statement on which the proNem ores 33336.3002 When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as dearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes its to complete our investigation. Creditor. American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative cxedit card rates, fees and grace periods by calling 14300-518-8866. change of Address I colloid, hoot do riot uto NKr* Company Name Street Addroos Gay. Stale r MEM= IM U. ■ Zp Odle AMA cow and Hon Phone 1 Providing your email address to American Express will enable you Area Cods and to receive Special Ohara. F1 j Work Phone suitedto your needs. Email EFTA01704803 DUPLICATE COPY ' CkeIngDate Page 3 of 7 MOW 02/02/05 New Activity continued eunt$ 01/13/05' D spute CHEVFiGN 021!77d -28.59=t Credit 01/11051 Dcoute - CHEVRON 0211778 -21.87 . C1/13,05 D spute - CHEVFON 0211773 -21.62 Credit 01/13/05' D spute - CHEVRON 0211778 2958:. • Credit≤:;` '01113/0u* D spute CHEVRON 0211778 4- ••• 01/30105 Late Payment Fee 35.00 02/02/05 Periodic FINANCE CHARGE 102.60 Total of New Activity -37.38 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this period: 30 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 4,591.03 0.0745% 27.18% 27.22% 102.60 Cash Advances 0.00 0.0745% 0.00% 27.22% 0.00 102.60 Certain of the periods rates and APRs above may be variable. Those rates may vary based upon the pdme rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704804 DUPLICATE COPY Pajel..of 7 EFTA01704805 MembeRnifilifarlls Options` Monthly Statement and Page 5 of 7 Program News irmcri.an E vprest.. For questions about your Statement Period ,acz.-NICNIBERSHIP Membership Rewards account, contact December 1, 2004 - December 31, 2004 Account activity after this period does not alines on this statement 1-800-AXP-EARN II. (th . R.I L (297-3276) Available Points www.americanexpress.com/rewards 6,883 American Express Membership Rewards PO Box 297813 Points are available when charges are paid in lull and all your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 6,760 New points earned +123 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 6,883 New Points Earned 12/01/O4 - 12/31/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Blue For Business 123 0 123 Totals 123 0 123 Monter* te fieoarda Cpberz pOnia owned may be 4weltered or redeemed co lay as ell cevelbd toad exact:eye in geed dandnp. Poils eansieved a rockerned canal be reverted beeain:ono oreywn. Forfeited points can be reinstated lera fee by calling the number provided below. E'gbie Cad eivapet we canoed in the Vembeestip Rereads Ccecos program Terms arxiCeednees in yeu: Merrteratvp Revtxds Coxes Gide ycu ha:cgs:beet, piece www.americanexpresoceinMembershiprewardsoptIont a cal 1-093.AXP-EARN (Y374276). From overtook cal cob:0305-816-2799. Support Tsunami Support Reliefs with Membership Rewards® points Ariiiiitiza.Z iris* Use Membership Rewards points to support the Tsunami For more information, Disaster Relief effort. Now through March 31, 2005, you can log on to www.americanexpress. redeem points TO MAKE A DONATION TO ANY OF 70 corn/rewards. organizations that are providing aid in countries affected by Tsunami. (MR Message 4061) Experience the Thrill This Valentine's Day Give your loved one a gift that will make his heart race. To learn more, visit Redeem for a Richard Petty Driving Experience certificate for www.1800bepetty.com or call 1-800.8E-PETTY a ride-along in a NASCAR-style stock car at Welt Disney (237-3889) or to transfer Worlds' Speedway for only 10,000 Membership Rewards® Membership Rewards points. Or, put him behind the wheel for 35,500 Membership points, go to wvnv. Rewards points. It's a gift that he will never forget. americanexpress.conil rewards or call 1-800- AXP-EARN (297-3276). (MR Message 4242) Terms at ea-Caere apply. for not iriorn at;:n. sae wiwisnembershIptewardi.com. Reward Yourself at LInens'n Things Unens'n Things is the one-stop superstore for all your home To find one of the nearly fashion, houseware and home decorating needs. All the 500 locations nationwide nearest yv.i, call ton-free brand names you trust at guaranteed low prices everyday. LINENS.NTHINGS. Linens'n Things. Dream big. Pay little. 1-866-568-7378 or shop www.lnt.com anytime. (MR Message 2201) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704806 American Exr ress• "ATE COPY M CM 0(P iI11P awards® Account Hinter Page 6 of 7 /43111:- ATE EWA A P I Redeem points for The Capital Grille Certificates Enjoy gracious service and an elegant and relaxed Log on to atmosphere at The Capital Grille. Nationally acclaimed for www.americanexpress. comfrewards or call CAPITAL; dry-aging steaks on the premises, The Capital Grille serves classic steakhouse offerings, such as chops, lobsters and 1.800.11XP-EARN (297-3276). fresh seafood. The restaurant also features an award-winning EXIMUNSU wine list with more than 300 wines from which to choose. (MR Message 4012) Redeem points for a $100 or $250 The Capital Grille certificate. Vote the Membership Rewards® program Your Favorite Rewards program! Now through March 15, 2005, you can vote for the 17th Log on to Annual Freddie Awards. This is your chance to voice your www.freddleawards.com to cast your vote now! opinions about your favorite frequent travel program, like the Membership Rewards program. (MR Message 5218) Earn Triple points at American Pearl knit a raai Choose the beautiful gift of pearls or another unique creation Visit MEMSERSMIP for someone special at Ainerican Pearl. Packaged in a vormamencanpeartcom or call 1.800.847-3275 to distinctive red box, your American Pearl gift is sure to strike _" REIVAR JI 4: the perfect romantic note. And now, you can earn triple Membership Rewards® points on any purchase of $1,000 or shop and earn points. (Bonus ID 1048) more now through April 30th, 2005. Ohm v94 Than Decanter I, 20Ds 13 Apra 30, NOS on purchases el SECO) a mot Tote er4the 10 earn tote Wats, you mustbesward In Me thotersh0 Ratted rtt90Ull a' 01pa:chase end you oval cMrge puchms on anMGM encored NnalormEton. Gard. Bras pears v.4 teas:MD to your Waite p finch tot;at MUM 84 voveks ohm chat** appear co }our h&c sttartent Dams ID. 106). Introducing the CREATIVE MUVO Micro 256MB MP3PNMA Player Aiti t,TtanHei Xi el Introducing the CREATIVE MUVO Micro 256MIYMP3/WMA Redeem now at • — Player (PRM474) for 16,000 points. Incredibly thin in design, vninv.ameticanexpress. conVrewards. it's packed with the latest features to meet all your needs. Enjoy the amazing, skip-free, audio quality when you're (MR Messge 2257) listening to your MPS and WMA music. The MUVO Micro N200 comes complete with an FM tuner, Voice/FM recording, and Line-In encoding for direct connection and recording from any audio source. Earn Double points from Oreck • Everyday, All Year! Now Oreck offers Double points whenever you call Call 1.800-471.1446 to 1-800-471-1446 and use your Card to purchase an Oreck earn Double points on any 0reck purchase everyday, ORECK product anytime, all year long. Select the Celoc® Hypo-Allergenic Plus 8-lb Oreck XL® Vacuum, and you'll also all yew. receive the 5-lb Oreck Compact Canister with 8 attachments (Bonus ID 9836) perfect for small pickups and hard-to-reach places, PLUS, Double Membership Rewards® points. Mee arid Mouth 12/3905. Net void on fibre puroliasos. To earn bow,point, you must be encored in the Membership Rewerch program et to tine el purchace card oher your ashaltaso to an eighth enrolkd Amman Emireeet. Card. Bonus p&t. wit be oredted le your filmnbenhp Remark. =cat wear St weeks stet dints appear on yew big etablentml Brous 0: 9836. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704807 OPEN SavinrgelThifPgy 7 of 7 Total Savings to Date Savings Since Savings This Period For This Account Jan 2005 Through Feb 01 S 0.00 0.00 0.00 Program End Date Transactions Discount % Savings Savings Since This Period or Credit This Period Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL Ongoing $0.00 5% $0.00 $0.00 B CALLING PLANS FEDEX - GROUND, EXPRESS AND Ongoing $0.00 5% $0.00 $0.00 INTERNATIONAL SHIPMENTS HERTZ -CAR RENTALS Ongoing $0 0C 5% $0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, Ongoing $0.00 2% $0.00 $0.00 OR BY CATALOG 1-500-FLOWERS.COM - FLOWERS AND GIFTS Ongoing 50.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at open.arnericanexpress.conVdashboard. Other Ways To Save! Put Expense Reports in their place with ExpensAble... To see a complete list of partners Use your Business Card and save on subscriptions to USA•TODAY. and ways to save, visit open.americanexpress.com/ Business Filings provides everything you need to incorporate your business online. savings, or call Show your employees, prospects and clients your appreciation with a gift from 1.800•FLOWERS.COM 1-603 NOW OPEN (669.6736) Save on Ouidd3ooks financial management software and spend more time on your business, less time on your books. EFTA01704808 DUPLICATE COPY ?‘5., Blue for Business"' OPEN fnike,rshiP Rewards t , e4Poi Avillable;.; a101/31/105, when chargetickreaMeaid in SMALL BUSINESS NETWORK" liarand all bbowie are irigobastandirig.1 Pi_ yed Fee Account Nurrber Closbu Dale 03/02/05 Page 1 of 10 New Acidly Minimum me. &just-nerd bed Payment Due Date FneroeChsgsdory New Basta $ Amount Due $ Pre/roue Banco Padded Actiody $ 03/27/05 4,674.61 0.00 +134.48 =4,809.09 370.22 Minimum Amount Due Includes: Past due amount $255.74 This month's amount due Credit Line Total Credit Available Credit Cash Advance Available Cash $114.48 Summary Line $ Line $ Limit $ Limit $ Please refer to page 2 on 03/02/05 8,200.00 3,390.91 0.00 0.00 for important information regarding your account See Page 7 For A Notice Of Changes To Your Agreement See Page 9 For An Important Privacy Notice Your account is past due. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. This statement is for information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the minimum due amount, your account is in default and the balance is due in full. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877.2583254. Activity "nfra im`ifud* Amounts Total of Payment Activity 0.00 Amount 03/01/05 Late Payment Fee 35.00 03/02/05 Periodic FINANCE CHARGE 99.48 Total of New Activity 134.48 Please led on Ire partoraion babe,. delech ard return writ) your pawned Continued on Page 9 Payment Due Date: Please enter account Payment Coupon 03/27/05 number on all checks and correspondence. Total New Balance Make check payable to $4,809.09 American Express. PR MR= Minimum Amount Due To avoid additional $370.22 Finance Chargesthe Purchases, pay on New Balance belay the 76 - 5960 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 IIIIIIIIlIIIIIIIIIIIIIIIIIIIIIIIIIIIIIi IIIII II I IIIIIII II I II III 0001480909000037022 02 ri EFTA01704809 DUPLICATE COPY Page 2 of 10 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit yaur payment in the enclosed envelope with the remittance stub attached and account number indicated on the crack. Please do not send post-dated checks. They wilt be deposited upon receipt. If payment is made In any ether form or at any other location, there may be a delay in processing. We reserve the r.ght to process 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 cannot collect the funds electronically at first Customer Service presentment, we may issue a &aft against your account for the amount of the check. 1-877-255-3254 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 Exp-ess 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 abwo.v.amoricanexpress.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 Service Moe or 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 methodto calculate Finance Charges on your Account. Under thismethod, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (suth as Hearing Impaired Purchase., Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the (9am-5pm EST) Average toady Balance for each feature, we take the beginning balance for the feature each day (inclutfing unpaid TTY: I-800.221-9950 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 adjustments.For each day ear the first day of the billing period, we also add an amount of Interest equal to the previous days daily balance multiplied by the daily periodic rate In NY: 1-800-522-1897 • for the feature. Thisgives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the biting penod and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Dale shown on that statement. If you multiply the Average Daily Balance for each feature by the number 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 tilling 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 Daily Balance and Finance Charge results In daily compounding of Finance Charges. The minimum Ft. Lauderdale, FL Finance Charge fcr any billing period in which Finance Charges are imposed is $0.50. 33329-7863 Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, k will be converted into US dollars on the date it is processed by us or ow agents. UnleSs a particular rate is Payments required by applicable law, we will choose a conversion rate that is acceptable to us for that date. PO BOX 360002 Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest FT LAUDERDALE official conversion rate published by a government agency, or (b) the highest interbank conversion rate FL identified by us from customary banking sources, on the conversion dale or the prior business day, 33336-0002 in each instance increased by 2%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. In Case of Errors or Questions About Your Electronic Transfers: Please contact-us by visiting. us oNine.at open.americanexpress.com or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or whyyou need more information. We will investigate your complaint and cored any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1-800518.8866. Change of Address If cosoct on front do rot uto Name r_ __I_ I canny Name Street addicts I Cry, Slat Zoo Colo Area Coda and H Providaig your emarl address to American Homo Ftono Express will enable you to rficeivespecial offers, Area Colo and Work Phone Dna I 1 I L suited to your needs. monj EFTA01704810 DUPLICATE COPY as Fa CI*lito Data Page 3 of 10 03/02/05 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic FINANCE Billing days this period: 28 Balance $ Periodic Rate PERCENTAGE PERCENTAGE RATE RATE CHARGES Purchases 4,724.87 0.0752% 27.44% 27.48% 99.48 Cash Advances 0.00 0.0752% 0.00% 27.48% 0.00 99.48 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently In effect. EFTA01704811 DUPLICATE COPY Zsco, htrber Page 4 of 10 EFTA01704812 MembeRiiifrit@G9114:Is Options" Monthly Statement and Page 5 of 10 Program News For questions about your Statement Period Membership Rewards account, January 1, 2005 - January 31, 2005 contact 1-800-AXP-EARN Account activity after this period ooes rot appear on this statement (297-3276) Available Points www.americanexpress.ccm/rewards 6,883 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 6,883 New points earned 0 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 6,883 New Points Earned 01/01/05 - 01/31/05 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card BI F r6f in 0 0 0 0 0 0 Ateenbetshp Rewards Outcry poi* owned rut be battened a redeemed as Iona as ae orsciled C,td ttccutit we is good standup. Posit Varolotrad or rodeecnod cannot be teamedbad( irlo the crowns Forfeited points can be reinstated to a tee by calling the number provided below. Dobler Cardcharges ate cuilneel in the Venter:hp Rends Mona powxn Ten ard Gallium in sour Ltrerbershis Rewards Cocos Guile. 'stet have wanton% please vial witter.amitticompresiconshrietribershiprewardsoplione or tell 1-8004003-EARN (297-3276). From creaser...sal cthod105-816-2759. Support Tsunami Support Reliefs with Membership Rewards® points Use Membership Rewards points to support the Tsunami For more information, Disaster Relief effort. Now through March 31, 2005, you can tog on to viww.americanexpress. redeem points TO MAKE A DONATION TO ANY OF 70 corn/rewards. organizations that are providing aid in countries affected by Tsunami. (MR Message 4061) $50 Benihana Gift Card Experience the longest-running dining show in the world. To redeem 5,000 points for Watch your personal chef entertain you with a laughter-filled $50 Benihana Gift Card, visit dining experience. The preparation will dazzle your eyes, www.americanexpress. tease your taste buds and leave you hungry for a comtrowards or call mouth-watering meal you will never forget. Enjoy the freshest 1-800,AXP-EARN fish in town at our sushi bars and then choose from such (297-3276). hibachi grilled favorites as prime sirloin, tender chicken and (MR Message 2082) fresh seafood. At Benihana, enjoy an experience at every tablel For docubdoor &calicos, pleaseWV us at winv.bordhanadom a ca11.877.1IFNIHANA MI6-4428j ke the Isstbn neatest usu. Corelnued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704813 iministATE • COPY American Expresses MEMBERSHIP Page 6 of 10 Use Membership Rewards® points to Purchase Amtrak® Travel Nl. 1 - Ft K Redeem Membership Rewards points towards Amtrak To preview this reward and Certificates and travel to any Amtrak destination, including to redeem points, visit www.americanexpress. most major cities and exciting vacation spots nationwide. For com/rewards or call Northeast travelers who are members of Amtrak Guest 1400-AXP-EARN Rewards, take advantage of the Acela Express Buy Two, Get (297-3276). One offer through May 31, 2005. Must be a member of (MR Message 1030) Amtrak Guest Rewards and register for the promotion at www.amtrakguestrewards.com or by calling 1-800-307-5000. TOM» and carrefore d No Mcaltretip Rowed, program owl/ Fa more frkeina:a vat worwambenhhilmnbld•cOlo. Redeem Membership Rewards® points for a Saks Certificate Saks Fifth Avenue is an icon of the retail world, known for its For store locations, visit AKS style, authority and expert service. Founded in 1924, it has always been characterized by a modem energy that fosters WWW.SElk.S.COM or call 1.966.290.9027. IF innovation and discovery. The exclusive offerings, designer (MR Message 2213) A 1/ VENUE boutiques and personalized consultation have long made Saks the only choice for discerning customers with eclectic taste and original style. Plan Your Next Trip with Marriott and the Membership Rewards® program Feel the pulse of Times Square at the Renaissance New York To preview this reward and Hotel Times Square. Relax in the sun at Spring Hill Suites in to redeem points, visit Aarnott Boca Raton. You can redeem points for a stay at over 2,100 Marriott Hotels and Resorts locations worldwide. Choose from 4 travel award certificates--the $100 Marriott Bonus www.americanexpress. com/rewards or call 1.800-AXP-EARN (297-3276). Bucks Coupon, the Marriott Flex Weekend Award, the (MR Message 6026) Marriott Platinum Any Night Award and the Marriott Spa Award. Vdd caig al partkiyafirg tads. &that dden may arc//. Sat ard onlatato foe carpi:en lams and Earn Double points for Your Tickets at tkt.com With 15 year's experience, tkt.com offers premium seating to Book aline at concerts, theater and sporting events. Now earn Double www.tkt.com or call 1.800-ALLSHOWS to Membership Rewards® points on all your tickets through rtf ritt *coin April 15th, 2005. earn Double points. (Bonus ID 2764) CBar nwinwnd 2,50Dbonus pad Oita mytres April l9 X05. To be vale* Vint NOM set* you stun to mewl in the hIcalynshat Pawadt program • to 4t*d putettme and you mutt chugs your arable on anNab* availed AmedaanEry,eeeS Cad. Benue paste MI baedact to yds LambasteRob/di aceaal wain 6-B weds dor chases soots on your signs etvarvegt Bean ID: 2764. Redeem points Today for Spring Savings Sports Authority, Gart Sports, Sportmart and Oshman's carry Call 1.888-LOOK4TSA SPOKES AUTH9Rpg. an unbeatable selection of golf, team sports, snowsports and fitness equipment, plus, much more at great prices! Redeem points today for the best in sports! (566-5487) for the store nearest you. Reward certificate may be redeemed for product only. Limit one certificate per purchase. Valid at store locations only. Not valid online. (MR Message 8074) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704814 DUPLICATE COPY cd nItrrbet cave Oat. Page 7 of 10 03/02/05 Notice of Changes to Your Agreement We are making Important Changes to your American Express Cardmember Agreement ("Agreement, governing the American Express° Card Account identified on this Notice. Unless otherwise indicated below, these changes become effective with billing periods beginning on or after May 1, 2005, whether or not you receive a billing statement. This Notice formally amends your Agreement, and any contrary or conflicting language in that Agreement is replaced fully and completely. Note that the terms of your Account are subject to change (Including increasing APRs/DPRs and fees, changing fixed APRs/DPRs to variable APRs/DPRs, and adding new terms) In accordance with the Agreement governing your Account. All terms of the Agreement not amended herein remain In full force and effect. This Is an Important Notice of changes to your Agreement We recommend that you carefully review these changes, share them with any Addilonal Cardmembers on your Account, and keep this Notice for future reference. If you have questions regarding.this Notice, please call the telephone number listed on the back of your American Express Card. Changes to Grace Period (Effective with billing periods beginning on or after May 4, 2005) We are changing the grace period applicable to your Account. A "grace period" is the period of time in which finance charges are not assessed on certain balances. Previously, if you paid the new balance on your prior statement in full by the payment due date, finance charges wou:d not be assessed on purchases during the current billing period. We are changing the grace period so that when you pay the prior new balance by the payment due date, finance charges will be assessed on purchases during the current billing period until the date that full payment of the prior new balance was received; purchases will not have a grace period for the entire billing period in this instance. However, if you paid the new balance on each of your two prior statements by their respective payment due dates, you will not be assessed finance charges on purchases for the entire current billing period. Also, if the previous balance on your billing statement is zero or a credit balance, no finance charges will be assessed on your purchase balance for the billing period. There is no longer any grace period for balance transfers. Accordingly, we are replacing subsection A of the Finance Charges section of your Agreement with the following: "A. Finance Charges begin to accrue for each Charge as of the date the Charge is added to the daily balance, as described below. If payment in full for any New Balance shown on the statement for a billing period is credited to your Account by the Payment Due Date shown on that statement, then Finance Charges will not accrue for Purchases from the date on which payment in full of that New Balance is credited to your Account until the end of the billing period in which such payment is credited to your Account. In addition. Finance Charges will not accrue for Purchases during a billing period if (a) the Previous Balance shown on the billing statement for that billing period is zero or a credit balance, or (b) payment in full for the New Balance, if any, shown on the statements covering the two immediately preceding billing periods is credited to your Account by the respective Payment Due Dates shown on those statements. For purposes of this paragraph, Purchases do not include Balance Transfers cr convenience checks.' Determining the Prime Rate Applicable to your Account We are changing the timing of when we determine the Prime Rale used to calculate the variable APRs (and corresponding DPRs) applicable to your Account. Accordingly, we are replacing subsection C of the Finance Charges section of your Agreement with the following: "C. The 'Prime Rate" Is determined once with respect to each billing period. The Prime Rate for each billing period is the Prime Rate published In the Money Rates section (or successor section) of The Wall Street Journal on (a) the first day of that billing period or (b) the day that is two days prior to the Closing Date of that billing period, whichever is higher. In each case, if such a day is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York, or we may substitute a similar reference rate at our sole discretion. Any increase or decrease to an APR resulting from a change In the Prime Rate takes effect as of the first day of the billing period. An increase in the Prime Rate means that the variable APRs (and corresponding DPRs) applicable to your Account will increase and you may incur higher Finance Charges and may have a higher Minimum Amount Due." Average Daily Balance Method for Calculation of Finance Charges (Effective May 8, 2005) As part of the changes to grace period described above, we are deleting the first sentence of the second paragraph of the Average Daily Balance Method for Calculation of Finance Charges section of your Agreement. We are also adding the following two sentences to the end of that section: "In our sole discretion, we also may round any calculations made in determining the Finance Charges on your Account in any way that is convenient to us. Any such rounding may apply to or cause variations in your DPRs." Balance Transfer Transaction Fees We are replacing subsection 5 of the Other Fees section of your Agreement with the following: "5. Balance Transfer Fee: We may assess a transaction fee for each Balance Transfer on your Account, as disclosed in the applicable Promotional Offer or at the time of the transaction. This fee, if assessed, is a FINANCE CHARGE.' Balance Transfers and Convenience Checks (Effective May 8, 2005) We are amending the Agreement to clarify that convenience checks we provided to you that are used for certain purposes will be treated as a Cash Advance. Accordingly, we are replacing the second sentence of the second paragraph of the Using the Card section of your Agreement with the following: "A convenience check that we identify as having been made payable to cash, to you, or to a bank, brokerage or similar asset account. or to a mortgage provider or insurance provider will be treated as a Cash Advance." Arbitration (Effective May 8, 2005) We are amencing certain subsections of the Arbitration section of your Agreement as follows (references to subsections below refer to those subsections in the Arbitration section of your Agreement): We are replacing the first sentence of the Definitions subsection with the following: "As used in this Arbitration Provision, the term 'Claim" means any claim, dispute or controversy between you and us arising from or relating to your Account, this Agreement, the Electronic Funds Transfer Services Agreement, and any other related or prior agreement that you may have had with us, or the relationships resulting from any of the above agreements ("Agreements"), except for the validity, enforceability or scope of this Arbitration Provision or the Agreements." BP/TR45FYI/0305 12313 EFTA01704815 DUPLICATE COPY Fe -Jed Pc: Account NUTtlel Page 8 of 10 We are replacing the Initiation of Arbitration Proceeding/Selection of Administrator subsection with the following: "Initiation of Arbitration Proceeding/Selection of Administrator Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the cede of procedures of the national arbitration organization to which the Claim is referred In effect at the time the Claim Is filed (the -Coder), except to the extent the Code conflicts with this Agreement. Claims shall be referred to either the National Arbitration Forum ('NAP) or the American Arbitration Association ('AAA"), as selected by the party electing to use arbitration. If a selection by us of either of these organizations is unacceptable to you, you shat have the right within 30 days after you receive notice of our election to select the other organization listed to servo as arbitration administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: • NAF at P.O. Box 50191, Minneapolis, MN 55405; website: www.arbilration-forum.com. • AAA at 335 Madison Avenue, New York, NY 10017; website: www.adr.org? We are replacing the fist sentence of the Significance of Arbitration subsection with the following: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM." We are adding the following two sentences to the end of the Restrictions on Arbitration subsection: "No arbitration award or decision will have any preclusive effect as to issues or claims In any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision in this Agreement (Including but not limited to the 'Continuation' provision below) and without waiving either pany's right to appeal such decision, should any portion of this "Restrictions on Arbaration- provision be deemed invalid or unenforceable, then the entire Arbitration Provision (other than this sentence) shall not apply' We are replacing the second sentence of the Continuation subsection with the following: "Except as otherwise provided in the "RestrictMns on Arbitration' provision above, If any portion of this Arbitration Provision (other than the Restrictions on Arbitration" provision) is deemed invalid or unenforceable, it shall not Invalidate the remaining portions of this Arbitration Provision, the Agreement or any predecessor agreement you may have had with us, each of which shall be enforceable regardless of such invalidity: Other Important Information About Your Account Annual EFT Error Resolution Notice This notice la to Inform you about how you should notify us of errors or questions regarding any electronic fund transfers you initiate using your American Express Card, including Express Cash transactions, or electronic payments you make to American Express using Pay By Phone, Pay By Computer, or any other American Express electronic payment service. In case of errors or questions about your Electronic Transfers, please telephone us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer.queslions, and at 1-800-CASH-NOW for Express Cash and Automatic Payment questions. Alternatively, you may write to us al American Express Travel Related Services Company, Inc., Electronic Funds Services, P.O. Box 297815, Ft. Lauderdale, FL 33329-7815, or e-mall us by clicking on the Customer Service link online at www.americanexpress.com. We must hear from you no later than GO days after we sent the FIRST statement on which the problem or error appeared or question arose. When you contact us, please provide the following information: (1) Your name and account number. (2) Description of the error or the transfer you are unsure about. Explain as clearly as you can why you believe it is an error or why you need more information. (3) The date and dollar amount of the suspected error. If you notify us by phone, we may require that you send us your complaint or question in writing within 10 business days of the call. We will determine whether an error occurred within 10 business days and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we WI credit your account within 10 business days for the amount you think Is In error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors Involving new accounts, point-of-sale or foreign-Initiated transactions, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three business days after comple:ing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used In our Investigation. Insurance Products Notice We identify insurance providers and products that may be of Interest to you. In this role we may act on behalf of the insurance provider, as permitted by law. We receive compensation from insurance providers that may vary by provider and product. Also, we may receive additional compensation or financial benefit when AMEX Assurance Company or another American Express entity acts as the insurer or reinsurer for these products. The arrangements we have with providers, including the potential to insure or reinsure products, may also influence what products and providers we Identify. BiofTR45FYU0305 T2313 EFTA01704816 DUPLICATE COPY Pr ad For Da Page 9 of 10 03/02/05' cm" An Important Notice Concerning Cardmember Privacy Privacy Notice is addressed to United States holders of personal American Express Charge Cards or accounts, This t 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 filfing 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 mall your response rather If you do not than use the toll-free number, which is 800-297-8378. Retum this form to American Express have a payment along with your payment coupon using the payment envelope enclosed with your statement. envelope, mail your response to: American Offers for Products and Services of Offers for American Express Products Express Other Companies and Services Cardmember El Do not use Cardmember Information to ❑ Mail Offers: Do not use Cardmember Information send me offers for products and services Information to mail me offers for American Services of other companies. Express products and services. P.O. Box 299836 Credit Information Provided to CI Telephone Offers: Do not contact me by Ft. Lauderdale Our Affiliates telephone to offer me products and services. FL 33329-9836 El Do not share credit-related information about me (except as described in this Notice) with American Express Affiliates. Account Number 3715-488162-11006 MU/1LE/0305 T3085 EFTA01704817 DUPLICATE COPY Ay.WI Nulty Page 10 0110 Offers for American Express Products and Services E-Mail Offers We may send you e-mail otters for our products Mail Offers and services, and those of our Affiliates and other We may use Cardmember Information to mail you companies we work with. We don't share e-mail offers for American Express products and services. addresses with other companies for them to market Your Choice: To opt out from receiving these mailings, their own products and services to you. call us at 800-2974378 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 800-2974378 or fill out the attached out, we may still include notices and information about form and return it to the address on the fonn. 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 otters 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 &Consumer report). checked the lower-left hand box on the attachecLopt out form. We may share your name and contact Your Choice: To opt out from our sharing credit-related Information, and information about our transactions or information with our Affiliates (except as permitted by experiences with you, with financial institutions with law) call us at 800-297-8378 or fill out the attached form whom we jointly offer financial products and services and return it to the address on the form. You may also and with our Affiliates. This Notice describes opt out include the form with your regular payment. choices about certain other uses of Cardmember Information. MU/1LE/0305 13085 EFTA01704818 DUPLICATE COPY To manage your Arl , Blue for Business" OPEN online, visit us at P. -1,1%;zy.,, americanexpress.com SMALL BUSINESS NETWORK•' Pr Foc Cbanb Dale 04/03/05 Page 1 of 5 New Azitoty Minimum .60=Isi nay ard Payment Due Date Previous aalaneeS Ferment ANA* New Belem* Amount Due $ 04/28/05 4,809.09 0.00 +153.34 -4,962.43 503.56 Minimum Amount Due Includes: Past due amount 5_370.22 This month's amount due Credit Line Total Credit Available Credit Cash Advance Available Cash $133.34 Summary Line $ Line $ Limit $ Limit $ Please refer to page 2 on 04/03/05 8,200.00 3,237.57 0.00 0.00 for important information regarding your account Your account is past due. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybIll. This statement Is for Information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the minimum due amount, your account is in default and the balance is due in full. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity .141C4X4.5 ngerae Amount$ Total of Payment Activity 0.00 Amounts New Activity for 03/29/05 Late Payment Fee 35.0D 04/03/05 Periodic FINANCE CHARGE 118.34 Total of New Activity 153.34 + Please kid an the polcraftw below, detach and return wih yon wren I Continued on Page 3 Acc<col N_riter Payment Due Date: Please enter account Payment Coupon 04/28/05 number on all chocks and correspondence. Total New Balance Make check payable to $ 4,962.43 American Express. IT'S A BAGEL Minimum Amount Due To avoid additional $503.56 Finance Charges onNew PurchaSeS, pay the 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. Mal Payment to: AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 n 0004%243000050356 02 ri EFTA01704819 DUPLICATE COPY INS Page 2 of 5 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credt check issued by American Express Bank, FSB or American Express Centurion Bank). If ycu are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check Please do not send post-dated checks. They wall be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process 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 chedeng account may be debled 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-'{254 Authorization for Electronic Payments: By using the American Express ?ay 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 visit us at www.americanexpresscom. Lost or Stolen Card Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately teephone us at the number indicated on your 1.800.521-6121 paper statement or dick on the Customer Service link mane. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. International Collect Finance Charges: Avenge 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. Underth's method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as describedbelow) for each feature (such as Hearing Impaired Purchase, Cash Advance and Balance Transfer features)) of your Account (inducing current transactions). To get the (9arn-Spm Si') Average Daily Balance for each feature, we (1)) take the beginning balance for the feature each day (including unpaid TTY: 1-soo-221-9950 Finance Chargs from previous billing periods), (2) add any new transactions, debts,or fees,.(3)subtrad any payments or credits, and (4) make any appropriate adjustmen s.For each day after the first day of the billing period, we also FAX: 1-800-695-9090 add an amount of interest equal to the previous day's daily balance multiplied by the darnperiodic rote 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 tang period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance wil be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number Correspondence of days in the billing period and the daily periodic rate for that feature, the result wit be the Finance Charge Assessed on that feature, except for variations caused by rounding. The total Finance Charge for the billing period 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 chance results In daily compounding of Finance Charges. Theminimum Ft. Lauderdale, FL Finance Charge for any billing period in which-Finance Charges are imposed is $0.50. 33329-7863 Transactions Made In Foreign Currencies: If you Incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or cur agents. Unless a particular rate is Payments required by applicable law we will choose a conversion rate that IS acceptable to us for that date. PO BOX 360002 Currently, the conversion rale we use for a Charge in a foreign currency is no greater than (a) the highest FT LAUDERDALE official conversion rate published by a government agency, or (b) the highest interbank conversion rate FL identified by us from customary banking sources, on the conversion date or the prior business day, 33336-0002 in each Instance increased by 2%. . This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. In Case of Errors or Questions About Your Electronic Transfers: Please contact. us.by visiting us online at open.americantneress.coms or you can call us at 1-80O-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1.800-CASH- 90W for ExpresS Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction 's wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statementorwhiehthe problemnerrocappeared. When contacting us: 1. Tell us your name and account number; 2. *Provide the dollar amount of the suspected error; • 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or whyyou need more information. We wil investigate your complaint and correct any error promptly. It we take more than 10 business days to do ths, we will credit yOta" account for the amount you think is in error, so that you will have use of the money during the time Makes us to complete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1-800-518-8866. Change of Address I Decoct on lion do not use Nano CanParly niN o Stied /dices: I I City. Slate I I I Epp Code Providing yourGraaf Ana Code and address to American Nam Phan& Express will enable you Area Cade and to receive special offers, wick Prime suited to your needs. Etna EFTA01704820 DUPLICATE COPY Axotxt Nunber Clang Dolo Page 3 of 5 04/03/05 Finance Charges Average Daily Daly Actual ANNUAL Nominal ANNUAL Periodic Billing days this penod: 32 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 4,872.67 0.0759% 27.70% 27.73% 118.34 Cash Advances 0.00 0.0759% 0.00% 27.73% 0.00 118.34 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704821 DUPLICATE COPY Per ,rol For Page 4 of 5 IIIIIM EFTA01704822 OPEN Savin5r-§arfiggh Pr II ed For Page 5 of 5 MIS Total Savings to Date Savings Since Savings This Period For This Account Jan 2005 Through Apr 02 0.00 0.00 0.00 Program End Date Transactions Discount % Savings Savings Since This Period or Credit This Period Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL Ongoing $0.00 5% $0.00 $0.00 BUSINESS CALLING PLANS FEDEX - GROUND, EXPRESS AND Ongoing $0.00 5% 50.00 $0.00 INTERNATIONAL SHIPMENTS HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, Ongoing $0.00 2% $0.00 $0.00 OR BY CATALOG 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at open.amercanexpress.conVdashboard. Other Ways To Savel Book your non trip through the OPEN Business Travel Center and save. To see a complete list of partners Save on Constant Contact eye catching email campaigns and ways to save, visit open.americanexpress.conil Save on flowers, gift baskets and other business gifts at 1-800-FLOWERS.COM savings, or call Save on expense management software with ExpensAble. 1.600 NOW OPEN (669.6736) Save on Ouickbooks and have more time to do what you do best: run your business. EFTA01704823 DUPLICATE COPY Tomanagear.pAir4..-Account ,i Blue for Business" OPEN 6911ine;vieit.us4ite10144;, SMALL BUSINESS NETWORK.' turu.n, Nirrner Sim Closiro Date 05/02/05 Page 1 of 5 Mwkly $ Minimum Payment Due Date Prerioue Balance $ EarradAtaivevS FiumeAdamnia I ard Any Now agues $ Amount Due $ 05/27/05 4,962.43 0.00 +145.47 =5,107.90 629.03 Minimum Amount Duo Includes: Past due amount $503.56 This month's amount due Credit Line Total Credit Available Credit Cash Advance Available Cash $125.47 Summary Line $ Line $ Limit $ Limit $ Please refer to page 2 on 05/02/05 9,200.00 3,092.10 0.00 0.00 for important information regarding your account Your account is past due. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. This statement is for information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the minimum due amount, your account is in default and the balance is due in full. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity .1"3" 8" °"" e Amounts Total of Payment Activity 0.00 'Same M S New Activity for 04/30/05 Late Payment Fee 35.00 05/02/05 Periodic FINANCE CHARGE 110.47 Total of New Activity 145.47 4 Purse told way pada/a/Ian Won, detach ant town with your payment Continued on Page 3 Payment Coupon Payment Due Date: Please enter account 05/27/05 number on all checks and correspondence. Total New Balance Make check payatke to $ 5,107.90 American Express. MR NW Minimum Amount Due Check here if address or telephone number has $629.03 changed. Note changes on reverse side. GERMANTOWN MD 208 76- 5 9 6 0 • Amount enclosed Mail Payment to: fldaddiALLIMIJAMIAMIDIAkkH AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I 000510790000062903 02 II EFTA01704824 DUPLICATE COPY Account Nutrir Page 2 of 5 so Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check Please do not send post-dated checks. They will be deposited upon receipt If payment is made In any other form or at any other location, there may be a delay in processing. We reserve the rigM to process 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 cannot collect the funds electronically at first Customer Service presentment, we may issue adralt against your account for the amount of the check 1.877-2583254 Authorization for Electronic Payments: By using the American Express Pay By Computer, Pay By Phone or any 24 hours17 days other American Express elecbenc payment service, you will be authorizing American Express to initiate an electronic debt to the financial account you specify in the amount you request. To use Pay By Computer, please 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 Offoce or call any local American Express office. International Collect Finance Charges: Avenge Daily Balance Method for Calculation of Finance Charges:We use the Average Daily 1-623-492-7719 balance methodto calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as describedbelow) for each feature (such as Hearing Impaired Purchase, Cash Advance and Balance Transfer features) of your Account (inducing current transactions). To get the (9am5pm EST) Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid TTY: 1-800-221.9950 Finance Charges from previous biting periods), (2) add any new transactions, debits, or lees, (3) subtract any payments or FAX: 1-800.695-9090 credits, and (4) make any appropriate adustments. For each day after the first day of the billing penal, we also add en amount of interest equal to the previous day's daily balance multiplied tri the daily periodic rate 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 billing period. This gives us the Average Daily Balance for the feature. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rouncfng. The total Finance Charge for the billing period iscakulated by adding the Finance Charges Correspondence assessed on all features of the Account. This method of calculating the Average Daily Balance and Finance Charge results in daily compounding of Finance Charges. The Minimum Finance Charge for any Customer Service billing period in which Finance Charges are imposed is $0.50. if you paid the New Balance on your prior statement in full P.O. Box 7863 by its payment due date, and you pay the New Balance on this statement by its payment due date, then you Ft. Lauderdale, FL will avoid addit onal Finance Charges on purchases includedIn the New Ba:ance on this statement. 33329-7863 Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, 4 will be converted into US dollars on the dale it is processed by us or our agents. Unless a particular rate is Payments required by applicable law, we will choose a conversion rate that is acceptable to us for that date. PO BOX 360002 Currently, the conversion rate we use for a Charge In a foreign currency is no greater than (a) the highest FT LAUDERDALE official conversion rate published by a government agency, or (b) the highest interbank conversion rate FL identified by us from customary banking sources, on the conversion date or the prior business day, 33336-0002 in each instance increased by 2%. This conversion rate may differ from ratos in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. In Case of Errors or Questions About Your Electronic Transfers: Please contact.us by visiting.us online at open.americariewess.com, or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-8C0-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you ro later than 60 days after we sent you the FIRST statementenwhien the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Descrbe the error or the transfer you are unsure of, and explain as dearly as you can why you believe there is an error or whyyou need more information. We will investigate your complaint and correct any error promptly. II we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to Complete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a oomparative credit card rates, fees and grace periods by calling 1-800-518-8866. Change of Address If °mad or (roil do nail no Name Company Nbte 51reol Addrom City. Stall. r in n Zp Code Providing your email Area Code aid address to American Mare latorm Express will enable you Area Ccde and n to receive special offers, mini Work Phone suited to your needs. Email EFTA01704825 DUPLICATE COPY Ps Ii •ind For Clow.3 nee Page 3 of 05/02/05 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this period: 29 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 5,019.14 0.0759% 27.704/6 27.73% 110.47 Cash Advances 0.00 0.0759% 0.00% 27.73% 0.00 110.47 Certain Of the periodic rates and APRS above may be variable. ThOSO rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704826 DUPLICATE COPY Page 4 of 5 MSS EFTA01704827 OPEN savinir§aiti'M Page 5 of 5 Total Savings to Date Savings Since Savings This Period For This Account Jan 2005 Through May 01 0.00 0.00 Program End Dale Transactions Discount % Savings Savings Since This Period or Credit This Period Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL Crigoirg $0.00 5% $0.00 $0.00 BUSINESS CALLING PLANS FEDEX - GROUND, EXPRESS AND Ongoing $0.00 5% $0.00 $0.00 INTERNATIONAL SHIPMENTS HERTZ -CAR RENTALS Ongoing $0.00 5% S0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, Ongoing $0.00 2% $0.00 $0.00 OR BY CATALOG 14,100-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 15% $0.00 $0.00 Totals $0.00 50.00 Your OPEN Savings are updated daily on your small business Dashboard online al open.americanexpress.cornidashboard. Other Ways To Save! Use your Business Card and save on Constant Contact email services. To see a complete list of partners Save on business incorporation and registered agent services with Business Filings and ways to save, visit open.americanexpress.comf Pul Expense Reports in their place with ExpensAble... savings, or call Use your Business Card and savo on subscriptions to USA TODAY I -FM Now r)PFN VAQ-ATIA1 EFTA01704828 DUPLICATE COPY LoinalgekyourApppmnb Blue for Business" OPEN ° Iine;v~situs,at open. is Mane *eicisr' - SMALL BUSINESS NETWORK" P Cleal DMA 06/02/05 Page 1 of 5 Nm'Only $ Minimum Pd2K0nrers and Prom Mimes d Pry Amount Due $ Payment Due Date Preriout Bcdarco $ Parnell Paling $ Ken Matte $ 06/27/05 5,107.90 0.00 +157.83 =5,265.73 766.86 Minimum Amount Due Includes: Past due amount $629.03 This month's amount due Credit Line Total Creek Available Credit Cash Advance Available Cash $137.83 Summary Line S Line $ Limit $ Limit $ Please refer to page 2 on 06/02/05 8,200.00 2,934.27 0.00 0.00 for important information regarding your account Your account is past due. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/payblll. This statement is for information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the minimum due amount, your account is in default and the balance is due in full. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity . "'"*""A'4" Amount$ Total of Payment Activity 0.00 AnewM 05/29/05 Late Payment Fee 35.00 06/02/05 Period': FINANCE CHARGE 12283 Total of New Activity 157.83 + Mose NM cre the pedoratco below, detach and ,Morn wrh Tom peKnent + Continued on Page 3 Payment Coupon Payment Due Date: Please enter account 06/27/05 number on all checks and correspondence. Total New Balance Make check payable to $ 5,265.73 American Express. Minimum Amount Due Check here if address or telephone number has $766.86 changed Note changes on reverse side. I • Amount enclosed Mail Payment to: HildflAdullkhhhfflAdNanhdall AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 000526573000076686 02 H EFTA01704829 DUPLICATE COPY Page 2 of 5 Payments: Payments received after 12:00 noon or on weekends or lioideys may not be credited until the next business day. Payments, must be in US Dollars and drawn on a bank located in the US (other than a line of creditcheck issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the romdtance stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process To Pay By Phone checks electronically , at first presentment and any re-presentments, by transrndting 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, wematssue a draft against your account for the amount of thecheck. 1-877-258-3254 Authorization for Blectronlc Payments: By using the American Express Pay By Computer Pay By Phone or any 24 hoursa days other American ExpreSs electronic payment servce, you will be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please 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 click on the Customer Service link onine. Outside the U.S. contact the nearest American Express Travel ServiceOffice Or Call anylOCal American ExereSS °Mee. International Collect Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daly 1.623-492.7719 balance meth to calculate Finance Charges on your Aocount. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Hearing Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the (9an-SpnImpaired EST) Average Daily Balance fa each feature, we (1) take the beginning 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 payments a FAX: 1.800-695.9090 credits, and (4) make any appropriate aaustmen s.For each day alter the first day of the billing penoci, we eke add an amount of interest equal to the previous day's daily balance multiplied ,by the daily periodic rate 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 fa the next day. If this balance is negative, it is considered to be zero. Then, we add up all the deity balances for the feature for the tilling period and divide the total by the number of days in the biting period. This gives us the Average Daily Balance for the feature. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and thedaily periodic rate for that feature, the result will be the Finance Charge assessedon that feature, except for variations caused by rounding. The total Finance Charge kW the belling period is calculated by adding the Finance Charges Correspondence assessed on all features of the Account. This method of calculating the Average Deily Balance end Finance Charge results In daily compounding of Finance Charges. The minimum Finance Charge for any Customer Service billing period in which Finance Charges are imposed is $0.50. II you paid the New Balance on your prior statement in full P.O. Box 7863 by its payment due date, and you pay the New Balance on this statement by its payment due date, then you Ft. Lauderdale, FL wail avoid additional Finance Charges on purchases Included in the New Balance on this statement. 33329-7863 • Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us aour agents. Unless a particular rate is Payments required by applicable law, we will choose a conversion rate that is acceptable to us for that date. PO BOX 360002 Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest FT LAUDERDALE official conversion rate published by a government agency, or (b) the higteM interbank conversion rate FL identified by us from customary banking sources, on the conversion date or the prior business day, 33336.0002 In each Instance increased by 2%. This conversion rate may differ from rates in effect cn the date of your Charge. Charges converted by establishments (such as Sines) will be billed at the rates such establishments use. In Case of Errors or Questions About Your _Electronic Transfers: . Please.contactus by visiting. us online at open.americanexpress.com, ayou can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1.800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations adctess notated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which theproNem or error appeared. When contacting us: 1. Tea us your name and account number; 2. Provide the dollar: amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or whyyou need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes ut to oornplete our investigation. Creditor: American Express Bank, FSB. New York residents, may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by caMing 1-1100-518-8866. Mange of Address Li coltcot on tam do not deo Norm Ccfneativ Name Street Addtesa I I Crty, sue bp Code Providing your email Area Cede and address to American Nemo Pi ore Express will enable you Area Cod* and tO receive special offers, I momml Week Phone suited to your needs. Enrol EFTA01704830 DUPLICATE COPY ed Fa Atea Ntabw 06/02 /05 Page 3 of 5 06/02/05 Finance Charges Average Daily Daly Actual ANNUAL Nominal ANNUAL Perak Billing days this penod: 31 Balance S Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 5,172.68 0.0766% 27.95% 27.99% 122.93 Cash Advances 0.00 0.0766% 0.00% 27.99% 0.00 12283 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Walt Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704831 DUPLICATE COPY Acoc.t Mrrter Page 4 of 5 EFTA01704832 OPEN SavinWAPIATISE&M Pog? 5 of 5 Total Savings to Date Savings Since Savings This Period For This Account Jan 2005 Through Jun 01 S 0.00 0.00 0.00 Program End Date Transactions Discount % Savings Savings Since This Period or Credit This Period Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL Ongoing $0.00 5% 50.00 $000 BUSINESS CALLING PLANS FEDEX - GROUND EXPR AND Ongoing 50.00 5% $0.00 $0.00 I SHIPMENESSTS HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 STAPLES • OFFICE SUPPLIES IN-STORE, ONLINE, Ongoing $0.00 2% $0.00 $0.00 OR BY CATALOG UNITEDHEALTH ALLIES - Ongoing $0.00 40% $0.00 $0.00 HEALTH DISCOUNT CARD MEMBERSHIP 1400-FLOWERS.COM -FLOWERS AND GIFTS Ongoing 50.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at opensmericanexpress.comidashboard. Other Ways To Save! To see a complete list of partners and ways to save, visit open.americanexpress.com/savings or call 1-800 NOW OPEN (6694736) EFTA01704833 DUPLICATE COPY To manage your Account Blue for Business`" OPEN online, visit us at open. americanexpress.com SMALL BUSINESS NETWORK"' Pr Fof Arourl Harter eiC0ifQ Ode 07/03/05 Page 1 of 3 NOM Acwty Minimum Frit /4=seard am Payment Due Date Prcvioust Bolan= S ParneN telt WEQ New Palace., S Amount Due $ 07/28/05 5,265.73 0.00 +35.00 =5,300.73 872.86 Minimum Amount Due Includes: Past due amount $766.86 This month's amount due Credit Line Total Credit Available Credit Cash Advance Available Cash $106.00 Summary Line $ line $ Limit $ Limit $ Please refer to page 2 on 07/03/05 8,200.00 2,899.27 0.00 0.00 for important information regarding your account Your account has been cancelled and suspended. Please return all credit cards. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. AmountS Activity 1"4""'""' Total of Payment Activity 0.00 Amounts Late 35.00 Total of New Activity 35.00 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 0.0773% 0.00% 28.24% 0.00 Cash Advances 0.00 0.0773% 0.00% 28.24% 0.00 0.00 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. 4 Plona• bid on m.Nolaalian belt" detach rd rewn wih you raynerd *mourn thatcr Payment Due Date: Please enter account Payment Coupon 07/28/05 number on al checks and correspondence. Total New Balance Make check payable to $ 5,300.73 American Express. . IMP Minimum Amount Due Check here if address or $872.86 telephone number has changed. Note changes on reverse side. GERMANTOWN MD 20876 - 5960 1 Amount enclosed Mail Payment to: AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 000530073000087286 02 IA EFTA01704834 DUPLICATE COPY Page 2 of 3 • Payments: Payments received after 12:00 noon or on weekends or holidays maynot be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the -US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do no; send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process 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 instituticn. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first 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 Exp-ess electronicpayment service, you wit be authorizing American Express to initiate an electronic debt to the financial account you specify in the amount you request. To use Pay By Computer, please Lost or Stolen Card visit us at wiveramericanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your 1-800-521.6121 paper statement or click on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel ServiceOffice cr call any local American Express office. International Collect Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily 1-623.492.7719 balance methodto calculate Finance Charges on your Account. Under thismethod,we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for eadi feature (such as Hearing HeaaringpIImEexed Purchase,. Cash Advance and Balance Transfer features) of your Account(Inducting current transactions). To get the Average Daily Balance for each feature, we ° C ake the beginning balance for the feature each day (including unpaid ff9TY: -800%1-9950 Finance Charges from previous billing periods), 2) add any new transactions, debits, or fees (3) subtract any paymentscc FAX: 1-800-695-9090 credits, and (4) make any appropriate adjustmen .For each day after the first day of rho billing period, we also add an amount of interest equal to the previous day's daily balance multiplied by the daily periodic rate In NY: 1-800-522-1897 • for the feeure. This gives us the daily balance for the feature for that day and the beginning balance for the feature for ihO next day. If this balance is negative, d is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the billing period is calculated by adding the Finance Charges Correspondence assessed on all features of the Account. This method of cakulating the Average Daily Balance and Finance Charge results in daily compounding of Finance Charges. The minimum Finance Charge for any Customer Service billing period in which Finance Charges are imposedis $0.50. If you paid the New Balance on your prior statement in ILA P.O. Box 7863 by its payment due date, and you pay the New Balance on this statement by its payment due date, then you Ft. Lauderdale, FL will avoid additional Finance Charges on purchases inducted in the New Balance ai this statement. 33320-7863 Transactions Made in Foreign Currencies: if you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is Payments required by applicable law, we will choose a conversion rate that is acceptable to us for that date. PO BOX 360002 Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest FT LAUDERDALE official 'a:inversion rate published by a government agency, or (b) the highest interbank conversion rate FL identified by us from customary banking sources, on the conversion date or the prior business day, 33336-0002 in each instance increased by 2%. This conversion rate may, doer from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such estabishments use. In Case of Errors or Questions About Your Electronic Transfers: Please contact us. by visiting us online at open.americanexpress.com„ or you can call us at 1.800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-800-CASH-NOW for Express Cash aid automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, ;Neese contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem orerror appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or whyyou need more information. We wRl investigate your complaint and cored any era promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the mom during the time it takes us to complete our investigation. Crediteyor American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative creeat card rates, fees and grace periods by calling 1-800.518-8866. Change o! Address *wool on ieorl do rot use Name Company Name Street Addrtsa Cay. slate r L I Zs, Code Provdng your email Area Code and address to American Hare Phone Express will enable you Area Cede and um=mil to receive special otters, Wont Friona suitedto your needs Email EFTA01704835 OPEN Sa vinWe'lloTA Page 3 of 3 01.1 M Total Savings to Date Savings Since Savings This Period For This Account Jan 2005 Through Jul 02 S 0.00 0.00 .;0.00 Program End Date Transactions Discount % Savings Savings Since This Period or Credit This Period Jan 2005 BUSINESSCAL AND LONG DISTANCE SMALL CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 • , EXPRES Ongoing $0.00 5% $0.00 $0.00 IN FEDEXTERNATIONAL GROUNDSHIPMENSAND HERTZ -CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, Ongoing $0.00 2% $0.00 $0.00 OR BY CATALOG UNITEDHEALTH ALLIES - Ongoing $0.00 40% $0.00 $0.00 HEALTH DISCOUNT CARD MEMBERSHIP 1.800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at open.americanexpress.comidashboard. Other Ways To Save! DouNe points and no boolang fee when you book online with the OPEN Business Travel Center. To see a oomptete list of partners Save on OlickBooks and make hardfing your finances a fast, convenient operation and ways to save, visit open.americanexpress.comf Use your Business Card and save on subscriptions to USA TODAY. savings, or call 1-800 NOW OPEN (669-6736) EFTA01704836 DUPLICATE COPY To managelrour Account -4 Blue for Business" OPEN 'Online, visit us at open. americanexpress.corn SMALL BUSINESS NETWORK,' Amour% Nunlme CkwiAg Daft 08/02/05 Page 1 of 3 Biw Ire. ABwArarts and Minimum Payment Due Date Pnwaw. Bohan S Ample% Firarcediapnilary Now ELiowm Amount Due $ 08/27/05 5,300.73 0.00 0.00 =5,300.73 978.86 Minimum Amount Due Includes: Past due amount $872.86 This month's amount due Credit Line Total Credt Available Credit Cash Advance Available Cash $106.00 Summary Line $ Line $ Li $ Limit $ Please refer to page 2 on 08/02/05 8,200.00 2,89927 0.00 0.00 for Important information regarding your account To manage your Account, visit us online at open.americanepress.com or call Customer Service at 1-877-258-3254. .sweagft. mmima Activity Total of Payment Activity 0.00 AnrounIS Total of New Activity 0.00 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Pablo Billing days this period: 30 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 0.00 0.0773% 0.00% 28.24% 0.00 Cash Advances 0.00 0.0773% 0.00% 28.24% 0.00 0.00 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. 4 Mato MIS on UMWideman to144. *Math ar4 ,"um 4111 ycur p4munt Payment Due Date: Please enter account Payment Coupon 08/27/05 number on all checks and correspondence. Total New Balance Make check payable to $ 5,300.73 American Express. Minimum Amount Due See Finar.ce Charges $978.86 section on reverse side for a description of when additional Finance GERMANTOWN MD 20876-5960 Charges are not assessed on Purchases. Check here if your address Amount enclosed or telephone number has changed. Please note Mail Payment to: IldAddullhhhhOhdhaanHAUdahhIl changes on reverse side. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 In On illMMMIltttllttllttlltttllrttllttrrtlrllrlrrlrltttrlull 000530073000097886 02 rl EFTA01704837 DUPLICATE COPY Page 2 of 3 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process To Pay By Phone checks electronicaly , at first presentment and any re-presentments, by transmitting 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 debited as soon as the same day we receive your pa ent. If we cannot collect the funds electronically at first Customer Service presentment, we may issue a draft against your account forte 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 gwess to initiate an electronic debit to the financial account you specify in the amount you requed. . To use Pay By Computer, please visit us at vnvw.americanexpresscom. Los! 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 link mane. Outside the U.S. contactthe nearest American Express Travel ServiceCtlice or call anylocal 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 yourA000unt. Underthis method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as describedb.elow) for each feature (such as (HearingpIImpaired Purchase, Cash Advance and Balance Transfer features) of your Account (incluckng current transactions). To get the EST) Average Daly Balance for each feature, we % take the b balance for the feature each day (including unpaid rnr: -soo-nl -9950 Finance Charges from previous billing periods), 2) add any new transactions, debts or fees (3) subtract any payments or credits, and (4) make any appropriate adjustments.For each day alter the first day of the billing period, we also FAX: 1-800-695-9090 add an amount of interest equal to the previous day's daffy balance mu/4311.d by the daihe periodic rate In NY: 1-800-522-1897 for the feature. This gives us the daisy balance for the feature fcr that day and the beginning balance for the feature for the next day. If this balance is negative, t is considered to be zero. Then, we add up all the daily balances for the feature for the tilling penod and divide the total by the number of days in the tiling penod. This gives us the Average Daily Balance for the feature. If you multiplythe Average Daily Balance for each feature by the number of days in the billing, period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the billing period iscalculated by adding the Finance Charges Correspondence assessed on all features of the Account. This method of calculating the Average Daily Balance and Finance Charge results In daily compounding of Finance Charges. The minimum Finance Charge for any Customer Service billing period in which Finance Charges are imposed is $0.50. If you paid the New Balance on your prior statement in kill P.O. Box 7863 by its payment due date, and you pay the New Balance on this statement by its payment duo dale, then you Ft. Lauderdale, FL wdl avoid additional Finance Charges on purchases included in the New Balance on this statement. 33329-7863 Transactions Made in Foreign Currencies: If you Incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or ow agents. Unless a panicular rate is Payments required by applicable law, we will choose a conversion rate that is acceptable to us for that date. PO BOX 360002 Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest FT LAUDERDALE official conversion rate published by a government agency, or (b) the highest interbank conversion rate FL identified by us from customary banking sources, on the conversion date or the prior business day, 33336.0002 In each Instance Increased by 2%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. In Case of Errors or Questions About Your Electronic Transfers: Please contact. us. by visiting-us-online at open.americanexpress.comk or you can call us at 1.800•IPAY•AXP for Pay By Phone and Pay By Computer issues, or 1.800-CASH•NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number, 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and wedeln as dearly as you can why you believe there is an error or whyyou need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Credftor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1.800.518-8866. Change of Adkins coned on hail do not use Nano Company None Stnet AdItess CIY, Elate r t_i_ LI I I _IJ Zy Coe* Providing your email kneads and address to American Nano Phan* Express will enable you Area Cade and toreceive special otters, al Work Phone suited to your needs. Email EFTA01704838 OPEN Savietaral ry ACCOvnl Minter Page 3 ot 3 001. 1 Total Savings to Date Savings Since Savings This Period For This Account Jan 2005 Through Aug 01 0.00 0.00 Program End Date Transactions Discount % Savings Savings Since This Period or Credit This Period Jan 2005 AT&T LOCAL AND LONG DISTANCE SMALL. Ongoing $0.00 5% $0.00 $0.00 BUSINESS CALLING PLANS FEDEX - GROUND, EXPRESS AND Ongoing $0.00 5% $0.00 $0.00 INTERNATIONAL SHIPMENTS HERTZ- CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, Ongoing $0.00 2% $0.00 $0.00 OR BY CATALOG UNITEDHEALTH ALLIES - Ongoing $0.00 40% $0.00 $0.00 HEALTH DISCOUNT CARD MEMBERSHIP 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your snail business Dashboard online at open.americanexpreSS.com/dashboard. Other Ways To Save! To see a complete list of partners and ways to save, visit open.americanmearess.comrsavings or call 1-800 NOW OPEN (669-6736) EFTA01704839 DUPLICATE COPY To manage your Account Blue for Business5" OPEN online, visit us at open. americanexpress.com SMALL BUSINESS NETWORK" Pr td Fcr n Anet,,MMnbet Closing Oats 09/02/05 Page of 3 Now ActiAly $ Minimum Payment Due Date PreAecn Sabre $ Act $ Fiunos Mettac tre an/ Nam Sabra S Amount Due $ 09/27/05 5,300.73 0.00 0.00 =5,300.73 1,084.86 Minimum Amount Due Includes: Past due amount $978.86 This month's amount due Credit Line Total Credit Available Credit Cash Advance Available Cash $106.00 Summary Line $ Line $ Limit $ Limit $ Please refer to page 2 on 09/02/05 8,200.00 2,899.27 0.00 0.00 for important information regardng your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity "taaccnr*"' Amount $ Total of Payment Activity 0.00 Amount $ Total of New Activity 0.00 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this penod: 31 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGES Purchases 0.00 0.0780% 0.00% 28.49% 0.00 Cash Advances 0.00 0.0780% 0.00% 28.49% 0.00 0.00 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Please Ackl on the perlecaScn biter. detach and rewrn nth yew cement + Payment Coupon Payment Due Date: Please enter account 09/27/05 number on all checks and correspondence. Total New Balance Make check payable to $ 5,300.73 American Express. Minimum Amount Due See Finance Charges S1,084.86 section on reverse side for a description of when additional Finance GERMANTOWN MD 20876 -5960 Charges are not assessed on Purchases. • 1 Check here if your address Amount enclosed or telephone number has changed. Please note Mail Payment to: changes on reverse side. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 000530073000108486 02 d EFTA01704840 DUPLICATE COPY SEW AcmcmccaXXX Page 2 of 3 Payments: Payments received alter 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments, must be in US Dollars and drawn on a bank located in the US (other than a line of credit check Issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They wil be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in proCeSSing. We reserve the right to process To Pay By Phone checks electronically , at first presentment and any re-presentments, by trartsmating the amount of the check, 1400-472.9297 routing number, account number and check serial number to your financial institution. Tour checking account may be debited as soon as the same day we receive your payment. If we cannot ceded the funds electronically at first 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 hoursi7 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 stoten, 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 Ink online. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. International Collect Finn ham es: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily 1-623-492.7719 wee me ocalculate Finance Chargeson your Account. Underthis method, we figure the Finance Chargescn your Account by applying the daily periodic rate to the Average Daly Balance (as described below) for each feature (such as Hearn° Impaired Purchase Cash 'Vance and Balance Transfer features) of your Account (including current transactions). To get the (9am-5pm EST) Average baity Balance fc each feature, we (1) take the beginning 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 payments or credits, and (4) make any appropriate adjustments. For each day after the first de of the billing Period, we also FAX: 1-800-695-9090 add an amount of interest equal to the previous day's daily balance mut plied by the daly 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 al the daily balances for the Large Print and Braille feature for the billing period and divide the total by the number of days in the billing period. This gives us the Average Statements Daily Balance for the feature. If you mainly the Average Daily Balance for each feature by the number of days in the billing 1.877.258-3254 period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for O variations caused by rounding. The total Finance Charge for the billing period is calculated by adding the Finance Charges assessed on all features of the Account This method of calculating the Average Daily Balance and Finance Charge results In daily compounding of Finance Charges. The minimum Finance Charge for any billing period in which Finance Charges are imposed is $0.50. If you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment due date, then you Correspondence will avoicladcitionW Finance Charges on purchases included in the New Balance onthisstatemenL Transactions Made in Foreign Currencies: If you incur a Charge in a foreign currency, it will be Customer Service convened into US dollars on the date it is processed by us or our agents. Unless a particularrate is P.O. Box 7853 required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest Ft. Lauderdale, FL official conversion rate published by a government agency, or (b) the hi hest interbank conversion rate 33329-7863 identified by us from customary banking sources, on the conversion date or the prior business day, Payments in each Instance increased by 2%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as wines) wil be billed at the rates such PO BOX 360602 estalishments use. FT LAUDERDALE In Case of Errors or Questions About Your Electronic Transfers: Please contactusby visiting .us.online at. FL open.americanexpress.com, or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, 53556-0002 or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you Df0 unsure of, and explain as clearly as ymi can why you believe there is an error or whyyou need more information. We will investigate your complaint and correct any erns promptry. If we take more than 10 business days to do this, we will credit your account lathe amount you thinks In error, so that you will have use of the money during thebme it takesus to complete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credt card rates, fees and grace periods by calling 1-800-518-8866. Change of Address r coned on front do not uan None Conpany Urn* Street Address Get, Stale r Zp Coda Prowling your email Area Code and address to American Hama Phone Express will enable you Ale.Code and to renewsspecial offers, j Work Phone suited to your needs. Erne EFTA01704841 OPEN SavinWeLgarig&PM Page Sol Acoast Number )OOOC-)0000 Savings to Date Savings Since Savings This Period For This Account Jan 2005 Through Sep 01 S 0.00 0.00 0.00 Program End Date Transactions Discount % Savings Savings Since This Period or Credit Thus Period Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL Ongoing E0.00 5% $0.00 $0.00 BUSINESS CALLING PLANS FEDEX - GROUND, EXPRESS AND Ongoing $0.00 5% $0.00 $0.00 INTERNATIONAL SHIPMENTS FEDEX KINKO'S OFFICE AND PRINT CENTERS - Ongoing $0.00 5% $0.00 $0.00 DOCUMENT SOLUTIONS AND BUSINESS SERVICES HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, Ongoing $0.00 2% $0.00 $0.00 OR BY CATALOG UNITEDHEALTH ALLIES - OngOing $0.00 40% $0.00 $0.00 HEALTH DISCOUNT CARD MEMBERSHIP 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at open.airolcanexpress.com/dashboard. Other Ways To Save! Savo 20% when incorporating your business with Business Flings To see a complete list of partners Save 25% on expense reporting software with ExpensAble and ways to save, visit open.americanexpress.com/ Save 5% on business gifts at 1.800-FLOWERS.COM savings, or call Save 20% on payroll preparation With Cendian 1.800 NOW OPEN (6894736) Save 10% an a 12 month subscription to USA Today EFTA01704842 DUPLICATE COPY To:manage your Account Blue for Business'" OPEN Online, visit uo.iet.open.. • ambrioanexpreas.com,-' SMALL BUSINESS NETWORK" Ckn'rg Dso IS= ACCOri Nulty 10/03/05 Page 1 of 3 New Atthy S Minimum ic. Acqustrs ant Amount Due $ Payment Due Date Previous Balams $ Pamirs Ad/4y$ Finance Charon d arty Nom eala-c• $ 10/28/05 5,300.73 0.00 0.00 =5,300.73 1,190.86 Minimum Amount Duo Includes: Past due amount $1,084.86 The month's amount due Credit Une Total Crack Avaiable Creckt Cash Advance Available Cash $106.00 Summary Line $ Line $ Limit $ Limit $ Please refer to page 2 on 10/03/05 8,200.00 2,899.27 0.00 0.00 for important information regarding your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Imitates marg.:We AmountS Activity Total of Payment Activity 0.00 Ainount Total of New Activity 0.00 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Penothc Billing days this penod: 31 Balance Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 0.00 0.0788% 0.00% 28.72% 003 Cash Advances 0.00 0.0788% 0.00% 28.72% 0.00 0.00 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Phase AU on the poktalalbere. detach end Mum vat your payment j Payment Due Date: Please enter account Payment Coupon 10/28/05 number on all checks and correspondence. Total New Balance Make check payable to $ 5,300.73 American Express. Minimum Amount Due See Finance Charges $1,190.86 sedion on reverse side for a description of when additional Finance GERMANTOWN MD 20876-5960 Charges are not assessed on Purchases. klillialoillodillookillakailolkalinlloloRIM • I Check here if your address Amount enclosed or telephone number has changed. Pease note Mail Payment to: changes on reverse side. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 1.1..1,1,.,.1,11 .300530073000119086 02 ri EFTA01704843 DUPLICATE COPY kecurallunbw Page 2 of 3 Payments: Payments received, after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process To Pay By Phone checks electronically , at first presentment and any re-presentments, by transmitting the amount of the check, 1-800472-9297 routing number, account number and check serial number to your financial mstaution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first Customer Service presentment, we may issue a draft against your account Icr the amount of the check. 1477-258-3254 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 vnwtemericanexpress.com. 1-800.521.6121 Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immeciately telephone us at the number indicated on your paper statement or click on the Customer Service link online. Outside the U.S. contact the newest American Express Travel Service Office orcall any local American Express ollice. International Collect Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily 1-623-492-7719 Balance methooto calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Hearing Impaired Purchases Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the (9am-5pm EST) Average Daly Balance for each feature, we (1? take the becoming balance for the feature each day (including unpaid TTY: 1-800-2214950 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 ac4ustmens.For each day after the first day of the billing period, we also In NY: 1-800-522-1897 add an amount of Interest equal to the previous day's daily balance multiplied by the daily periodic rato for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance s negative, it is considered to be zero. Then, we add up all the daily balances for the Large Print and Braille feature for the billing period and divide the total by the number of days in the billing period. This gives us the Average Statements Daily Balance kr the feature. If you multiply the Average Daily Balance tor each feature by the number of days in the billing 1-877-258-3254 period and the daily periodic rate for that feature, the resu't will be the Finance Charge assessed on that feature, except for variations caused by rouncfing. The total Finance Charge for the billin period is calculated by adding the Finance Charges assessed on all features of the Account. This method of calculating the Average Orally Balance and Finance Charge results In daily compounding of Finance Charges The minimum Finance Charge for any O billing period in which Finance Charges are imposed is $0.50. If you paid the New Balance on your prior statement in full by its payment due date, and you pay the Now Balance on the statement by its payment due date, then you Correspondence wit avoid additional Finance Charges on purchases includedin the New Balance on Misstatement. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it be Customer Service converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is P.O. Box 7863 required by applicable law, we will choose a conversion rate that is acceptable to us for that date Ft. Lauderdale, FL Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest 33329-7863 official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, Payments in each instance Increased by 2%. This conversion rate may offer from rates in effect on the PO BOX 360002 date of your Charge. Charges converted by establishments (such as airlines) wil be billed at the rates such FT LAUDERDALE establishments use. Ft. In Case of Errors or Questions About Your Electronic Transfers:. Please contact us .by visiting us online at open.americanexpress.com, or you can can us at 1.800-IPAY-AXP for Pay By Phone and Pay By Computer issues, 33336-0002 or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrench please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during thetime it takes usto compete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, lees and grace periods by calfing 1.800-518.8866. Change of Address • To change your address online, visit www.americanexpress.com/updatecontactinb It conct co front do not uee • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly In blue or black Ink only in the boxes provided. Street Address T Cry. State DO Cede Please provide your Area Code and e-mail address to Homo Phone receive important account updates and LJ J LL-L_ j Area Code and Work Procne exclusive Cardmember Erma (c9Mancli offers and benefits. You mayvisit the American Express Privacy Statement at wynvamericanexpress.corniprivacy for moredetas and to set your email preferences. EFTA01704844 OPEN savin5PUTMPAW Page 3 of 3 Accord lust( Total Savings to Date Savings Since Savings This Period For This Account Jan 2005 Through Oct 02 S 0.00 0.00 Program End Date Transactions Discount % Savings Savings Since This Period or Credit This Period Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL Ongoing $0.00 5% $0.00 $0.00 BUSINESS CALLING PLANS FEDEX - GROUND, EXPRESS AND Ongoing $0.00 5% $0.00 $0.00 INTERNATIONAL SHIPMENTS FEDEX KINKOS OFFICE AND PRINT CENTERS - Ongoing $0.00 5% $0.00 $0.00 DOCUMENT SOLUTIONS AND BUSINESS SERVICES HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 RUBY TUESDAY- CASUAL DINING Ongoing $0.00 5% $0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, Ongoing $0.00 2% $0.00 $0.00 OR BY CATALOG UNITEDHEALTH ALLIES - Ongoing $0.00 40% $0.00 $0.00 HEALTH DISCOUNT CARD MEMBERSHIP 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at open.americanexpress.com/dashboard Other Ways To Save? To see a complete list of partners and ways to save, visit open.americanmoress.com/savings or call 1-800 NOW OPEN (6696736) EFTA01704845 DUPLICATE COPY To manage your Account Blue for Businesss" OPEN online, visit us at open. amcricanexpress.com SMALL BUSINESS NETWORK" MOON Nurnbcr Clod% Oda 11/02/05 Page 1 of 2 New Reedy Minimum Acivitnetaa ard Finarce Chargesi erre Payment Due Date Predcus BaMatti Parted Deady Nen 84anceS Amount Due $ 11/27/05 5,300.73 0.00 0.00 -5,300.73 1,296.86 Minimum Amount Due Includes: Past due amount $1,190.86 Credit Line This month's amount due Tots Credt Available Credit Cash Advance Available Cash $106.00 Summary Una $ une $ Umit $ limit $ Please refer to page 2 on 11/02/05 8,200.00 2,899.27 0.00 0.00 for important information regarding your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity m6"" P" da Amount S Total of Payment Activity 0.00 ArnounIS Total of New Activity 0.00 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic SIIEng days this period: 30 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases . 0.00 0.0786% 0.00% 28.72% 0.00 Cash Advances • 0.00 0.0786% 0.00% 28.72% 0.00 0.00 Certain of the periodic rates arid APRs above may be variabie. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Rear.° fel:lent* perleraban telex,(Mach and ream wth p>tar payrrent Payment Coupon Payment Due Date: Please enter account 11/27/05 number on all checks and correspondence. Total New Balance Make check payable to $ 5,300.73 American Express. Minimum Amount Due See Finance Charges $1,296.86 section on reverse side for a description of when additional Finance ERMANTOWN MD 20876 -5960 Charges are not assessed on Purchases. • Check here if your address Amount enclosed or telephone number has changed. Please note Mail Payment to: changes on reverse side. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 n I 000530073000129686 02 rl EFTA01704846 DUPLICATE COPY Pr td Page 2 of 2 L Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit 'our payment in the enclosed envelope with rerrettance stub attached and account number indicated on the check Please do not send post-dated checks. They will be deposited upon receipt.. II payment Is made in any other form or at any other location, there may be a delay in processing. We reserve the nght to process 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 chock serial number to your financial institution. Tour chocking account may be detited as soon as the same day we receive your payment If we cannot collect the funds electronically at first 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 sew*, ycu will be authorizing American Expess to initiate an electronic debt to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at www.arrericanexpress.00m. Lost or Stolen Card Lost or Stolen Card: If tne Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your 1.800-521-6121 gaper statement or click on the Customer Service link wine. Outside the U.S. contact the nearest American Express "frayed Service Office or call any local American Express office. International Coned Finance Charcte-e: 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 thi.s method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Hearing Impaired Purchase, Cash Advanceand Balance Transfer features) of your Account (including current transactions). To get the (9am-5pm EST) Average Daily Balance for each feature, we (1 take the beginning balance for the feature each day (including unpaid TTY: 1-800-221-9950 Finance Charges from previous tiling periods), (2) add anynew transactions, debits, or fees, (3) subtract any payments or credits, and (4) make any appropriate adustmenls.For each day after the first day of the billing period, we also FAX: 1.800.695.9090 add an amount of interest equal to the previous days daily balance rnultiplied by the daily periodic rate In NY: 1.800.522.1897 for the feature. Thiegvn us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Tnen, we add up all the daily balances for the Large Print and Braille feature for the billing perod and divide the total by the number of days in the biting period. This gives us the Average Statements Daily Balance for the feature. If you multiply the Average Daily Balance for each feature by the number of days in the billing 1-877-258-3254 period and the daily periodic rate for that feature, the result wiz be the Finance Charge assessed on that feature, except for variatens caused by rounding. The total Finance Charge for the till® period is calculated by adding the Finance Charges assessed on all features of the Account. This method of calculating the Average Daily Balance end - Finance Charge results in daily compounding of Finance Charges. The minimum Finance Charge for any O Wing period in which Finance Charges are imposed is $0.50. If you paid the New Balance on your prior statement in full by its payment due dale, and you pay the New Balance on this statement by its payment due dale, then you Correspondence will amid additional Finance Charges on purchases included in the New Balanceon M.estatement. Transactions Made in Foreign Currencies: If you incur a Charge in a foreign currency, it wily be Customer Service converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is P.O. Box 7863 required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion re we use fa a Charge in a foreign currency is no greater than (a) the tighest Ft. Lauderdale, FL official conversion rate published by a government agency, or (b) the hichest interbank conversion rate 33329-7863 identified by us from customary banking sources, on the conversion date or the prior business day, Payments in each Instance increased by 2%. This conversion rate may, differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will he billed at the rates such PO BOX 360002 establishments use. FT LAUDERDALE In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at FL open.arnericanexpress.com, or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, 33336-0002 or 1-8C0-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possibe. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or enor ed. When contacting Us: 1. Tel us your a nPPe ameand account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or why you need more Information. We wit investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we wrl credit your account for the amount you think is in error, so that you will have use of the money during thetime it takes us to completeour investigation. Creditor: American Express Bark, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1-800-518-8866. Change of Address • To change your address online, visit ww.v.americanexpress.comrupdateconfactinfo IIcorrect on front • For Name or Company Name changes, please call the Customer Service do notes. number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly In blue or black Ink only in the boxes provided. Steel Mates, rT1 Car, Stole 1 1 1 trp code Please provide your Area Coda and e-mail address to Hem Phone receive important Area Cole ,ad account updates and L J Watt Phone exclusive Cardmember • (optionag Offers benefits. You may visit the American Express Privacy Statement at wymamericanexrxess.conVprivacy for more details and to set your email preferences. EFTA01704847 DUPLICATE COPY To manage your Account Blue for Business." OPEN SMALL BUSINESS NETWORK" online, visit us at open. americanexpress.com Pr Fcr 0140 12/02/05 Page I of 3 New Ac iely $ Minimum Ad;Jtarrits ard Payment Due Date Previous Balance Frerce Chargesd any New eatn4 $ Amount Due $ 12/27/05 5,300.73 0.00 =5,300.73 1,402.86 Minimum Amount Due Includes: Past due amount $1,296.86 This month's amount due Credit Line Total Credit Avaiable Credit Cash Advance Available Cash $106.00 Summary Line $ Line $ Limit $ Limit $ Please refer to page 2 on 12/02/05 8,200.00 2,899.27 0.00 0.00 for important information regardng your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity - ft wowpcomdam AMOUld$ Total of Payment Activity 0.00 AmountS Total of New Activity 0.00 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Baling days this period: 30 Balance $ Periodic Rate AGE PERCENTAGE PERCENTAGE FINANCE PERCENTAGE CHARGE $ Purchases 0.00 0.0793% 0.00% 28.97% 0.00 Cash Advances 0.00 0.0793% 0.00% 28.97% 0.00 • 0.00 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Maur KU on the prodomicet beam auch erd ream 'at% yore paynant Payment Due Date: Please enter account Payment Coupon 12/27/05 number on all checks and correspondence. Total New Balance Make check payatle to $ 5,300.73 American Express. Minimum Amount Due See Finance Charges $1,402.86 section on reverse side for a description of when additional Finance ERMANT WN MD 20876-5960 Charges are not assessed on Purchases. IIIIIIIIIIIII I Irl I I I'll IIIIIIIIIIIIIIIIIIIIIIrIIIIIIIItIIIII • I Check here if your address Amount enclosed or telephone number has changed. Please rote Mail Payment to: HAaddakkhdhAnandall changes on reverse side. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 IIIIIIIIIIIIIIIIIIIII II"I tllttllltttttltlltlttltlttttltll 000530073000140286 02 d EFTA01704848 DUPLICATE COPY Page 2 of 3 • Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited and tie next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope %rah the remittance stub attached and account number indicated on the check. Please do not send postdated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in proceSSing. We reserve the right to process To Pay By Phone checks electronicaty , 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 mayIssue a draft against your account for the amount of the check. 1.877.25&'2 54 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 serves, you will be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at wvv.arnericanexpress.com. Lost or Stolen Card Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immedialebytelephone us at the number indicated on your 1.800.521.6121 paper statement or dick on the Customer Service link aline. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. International Collect Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily 1.623-492-7719 Balance methodic, calculate Finance Charges on yourAccount. Under this method, we figure the Finance Chargescn yaw Account by applying the daily periodic rate to the Average Daily Balance (as described below for each feature (such as Hearing Impaired Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the (gam-Stiom EST) Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid TTY: -800.221.9950 Finance Charges from previous billing periods),(2) add any new transactions,debits,or fees, (3) subtract any paymentsor credits, and (4) make any appropriate adjustments.For each day after the first day of (he billing 5iriod, we also FAX: 1.800-695.9090 add en amount of interest equal to the previous day's daily balance multiplied by the des periodic rate In NY: 1-800-522-1897 for the feature. This gves us the daily balance for the feature for that day and the beginning balance.or the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the Large Print and Braille feature for the billing period and divide the total by the number of days in the billing period. Tht gives us the Average Statements Daily Balance for the feature. If you mufti* the Average Daily Balance for each feature by the number of days in the billing 1.877-258.3254 period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the tillino penod s calculated by adding the Finance Charges assessed on all features of the Account. This method of catulating the Average Daily Balance and Finance Charge results in daily compounding of Finance Charges. The minimum Finance Charge for any billing period in which Finance Charges are imposed is $0.50. If you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment due date, then you will avoid additional Finance Charges on purchases included In the New Balance on this statement. • Correspondence Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be Customer Service converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is P.O. Box 7863 required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no eater than (a) the highest Ft. Lauderdale, FL official conversion rate published by a government agency, or (b) the highest interbank conversion rate 33329.7863 identified by us from customary banking sources, on the conversion date or the prior business day, Payments in each instance increased by 2%. This conversion rate may cfiffer from rates in effect on the PO BOX 360002 date of your Charge. Charges converted by estabishments (such as airlines) will be baled at the rates such establishments use. FT LAUDERDALE In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at FL open.americanexpress.com, or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, 33336-0002 or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to tho Expross Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tel us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money durina the time it takes us to complete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1.800-518.8866. Change of Address • To change your address online, visit www.americanexpress.com/updatecontactinfo if cont.:: C.r, front • For Name or Company Name changes, please call the Customer Service number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly In blue or black Ink only In the boxes provided. Seed Address Cdy, Slat* I I Zp Cede Please provide your Area Code and e•mail address to Home Phone receive important Area Cede and account updates and Nonj Work Phones exclusive Cardmember Cmal (opional) offers and benefits. You may visit the American Express Privacy Statement at www.americanexpress.00nVprivacy for more details and to set your email preferences. EFTA01704849 OPEN savitaTMPAVy wows Wt.; Page 3 of 3 Total Savings to Date Savings Since Savings This Period For This Account Jan 2005 Through Dec 01 S 0.00 0.00 0.00 Program End Date Transactions Discount % Savings Savings Since This Period or Credit This Period Jan 2005 ADMINISTAFF - HUMAN RESOURCE OUTSOURCING Ongoing $0.00 25% $0.00 $0.00 AMERICAN EXPRESS GIFT CARDS - Ongoing $0.00 3% $0.00 $0.00 GIFTING SOLUTIONS AT&T- LOCAL AND LONG DISTANCE SMALL Ongoing $0.00 5% $0.00 $0.00 BUSINESS CALLING PLANS BUSINESS FILINGS • INCORPORATE YOUR BUSINESS Ongoing $0.00 20% $0.00 $0.00 CERIDIAN • PAYROLL SERVICES Ongoing $0.00 20% $0.00 $0.00 CONSTANT CONTACT • EMAIL MARKETING SERVICES Ongoing $0.00 15% $0.00 $0.00 COURTYARD BY MARRIOTT - FOR PARTICIPATING Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT MARRIOTT.COINOPENSAVINGS EXPENSABLE - EXPENSE MANAGEMENT SOFTWARE Ongoing $0.00 25% $0.00 $0.00 FAIRFIELD INN BY MARRIOTT - FOR PARTICIPATING Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT MARRIOTT.COMIOPENSAVINGS FEDEX-GROUND, EXPRESS AND SHIPMENTS Ongoing $0.00 5% $0.00 $0.00 FEDEX KINKOS OFFICE AND PRINT CENTERS - Ongoing $0.00 5% $0.00 $0.00 DOCUMENT SOLUTIONS AND BUSINESS SERVICES HERTZ • CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 HYATT - HOTELS & RESORTS IN THE U.S. Ongoing $0.00 3% $0.00 $0.00 AND PUERTO RICO LOGOWORKS - CUSTOM LOGO DESIGN Ongoing $0.00 15% 50.00 $0.00 RUBY TUESDAY- CASUAL DINING Ongoing $0.00 5% $0.00 $0.00 SPRINGHILL SUITES BY MARRIOTT • FOR PARTICIP. Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT MARRIOTT.COPNOPENSAVINGS STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, Ongoing $0.00 2% $0.00 $0.00 OR BY CATALOG UNITEDHEALTH ALLIES - HEALTH DISCOUNT CARD MEMBERSHIP Ongoing $0.00 40% Moo $0.00 USA TODAY - ALL SUBSCRIPTIONS Ongoing $0.00 10% $0.00 $0.00 WINGATE INNS. HOTELS IN THE U.S. Ongoing $0.00 5% $0.00 $0.00 1-800-FLOWERS.COM • FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your Summary of Accounts page online at www.americanexpress.comfaccountsummary. Other Ways To Save! Save 3% when purchasing American Express Gift Cards oNine - visit open.arnericanexpress.conVgIftcards To seo a complete list of partners Save an extra 5% at 1-800-FLOWERS.COM - visit operLamelcanexpress.comfilws and ways to save, visit open.americanexpress.com/ Save 20% on payroll preparation with Cerldlan - visit open.americanexpress.ocmIceridian savings, or cal Save 25% on easy-to-use expense management software - visit 0pen.americanexpress.00m/expensable 1-800 NOW OPEN (669-6736) Protect your personal assets by incorporating and save 20%- visit open.amaicanexpress.ccm/bizfilings EFTA01704850 DUPLICATE COPY To manage your Account Blue for Business OPEN SMALL BUSINESS NETWORK" online, visit us at open. americanexpress.com Accost Nunter Cairo D3f0 01/02/06 Page 1 of 3 NewAcb$ Minimum e nelereed Payment Due Date Pnwiaus SalarceS Nceeeda-ceS Amount Due $ 01/27/06 5,300.73 0.00 =5,300.73 1,508.86 Minimum Amount Due Includes: Past due amount $1,402.88 Tha month's amount due Credit Line Total Credit Available Coedit Cash Advance Available Cash $106.00 Summary Unes Line $ Limit $ Limit Please refer to page 2 on 01/02!06 8,200.00 2,899.27 0.00 0.00 for important inlormation regarding your accourt Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity trocememum&de AmountS Total of Payment Activity 0.00 AmountS Total of New Activity 0.00 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this penod: 31 Balance $ Por:odic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchascs 0.00 0.0800% 0.00% 29.23% 0.00 Cash Advances 0.00 0.0800% 0.00% 29.23%> 0.00 0.00 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Pb.te led on lho podorton bebs, delar-h aM reurnveh yus pa)rnere 3 Payment Due Date: Please enter account Payment Coupon 01/27/06 number on all checks and correspondence. Total New Balance Make check payable to $ 5,300.73 American Express. Minimum Amount Due See Finance Charges $1,508.86 section on reverse side for a description of when additional Finance / 6 - 5960 Charges are not assessed on Purchases. Check here it your address Amount enclosed or telephone number has changed. Please note Mail Payment to: changes on reverse side. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 1 1111'8ml/1i IIIIIIIIIIIIIIIIIIIIP00530073000150886 02 H EFTA01704851 DUPLICATE COPY Page 2 of 3 Payments: Payments received after 12:00 noon or on weekends or hokdays may not be credited until tie next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the renitence stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposled upon receipt. If payment is made in any other form or at any other location, there may be a delay in proceSeing. We reserve the right to process To Pay By Phone checks electroncaly , at first presentment and any re-presentments, -by transmitting 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 debited as soon as the same day we receive your payment. If we cannot 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/? 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 visitus at www.americanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your 1-800.521.6121 paper statement, or click on the Customer Service link online. Outside the U.S. contact the nearest Amercan Express Travel Service Office or call any local American Express office. International Collect Finance Changes: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily 1.623492-7719 !Silence methooto calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Amount by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Hearing Impaired Purchases Cash Advance and Balance Transfer features) of your Account findudrig current transactions). To get the (9am-5pm EST) Average Daily Balance for each feature, we (1) take the beginning 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 payments or FAX: 1-800-695-9090 credits, and (4) make any appropriate adiustmen .For each day altar the first day of the billing parrot, we also add an amount of Interest equal to the previous day's daily balance multiplied by the daily periodic rate In NY: 1.800.522.1897 for the feature. This gives us the daily balance for the feature tartlet day and the loaginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the Large Print and Braille feature for the billing period and divide the total by the number of days in the billing period. This gives us the Average Statements Daily Balance for the feature. If you multiply the Average Daly Balance for each feature by the number of days in the bil:ng 1-877-258-3254 period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Fin icer Charge for the billing period is calculated by adding the Finance Charges assessed on WI features of the Account. This method of calculating the Average Daily Balance and Finance Charge results in daily compounding of Finance Charges. The minimum Finance Charge for any biting period in which Finance Charges are imposed is $0.50. II you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment due date, then you will avoid additional Finance Charges on purchases included in the New Balance on this statement. • Correspondence Transactions Made in Foreign Currencies: If you incur a Charge in a foreign currency, It will be Customer Service converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is P.O. Box 7863 required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rale we use for a Charge in a foreign currency is no greater than (a) the highest Ft. Lauderdale, FL official conversion rate published by a government agency, or (b) the highest interbank conversion rate 33329-7863 identified by us from customary banking sources, on the conversion dale or the prior business day, Payments In each instance increased by 2%. This conversion rate may differ from rates in effect on the PO BOX 360002 date of your Charge. Charges converted by establishments (suds as airlines) will be billed at the rates such establishmentsuse. FT LAUDERDALE In Case .of Errors or Questions About Your Electronic Transfers: Please contact usloy visiting us online at FL open.americanexpress corn, or you can call us at 1.800-IPAY-AXP for Pay By Phone and Pay By Computer issues, 33336-0002 or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong please contact us as soon as possible. We must hear -from you no later than 60 days alter we sent you the FIRST statement on which the prodem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as *arty as you can why you believe there is an error or whyyou need more information. We will investigate r complaint endeared any error promptly. If we take more than 10 business days to do this, we will credit your accountyou for the amount you think is in error, so that you will have use of the money during the time it takes ustocompleteour investigation. Creditor. American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparativecreM card rates, fees and grace periodsby calling 1.800.518.8866. Change of Address • To change your address online, visit envw.americanexpress.com/updatecontactinfo it comet on Iran • For Name or Company Name changes, please call the Customer Service do not uso number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly In blue or black Ink only In the boxes provided. Sun: Address Cdr. State Zip Coda T 1 -1-TTT7 Please provide your Area Cede and email address to Howe Phone receive important Area Code and account updates and A j Wolk Phone exclusive Cardmember Email lointionni) offers and benefits. You may visit the American Express PrivacyStatement at wrow.americanergess.00m/privacy for more details andtoset your email preferences. EFTA01704852 OPEN SavinWeLfiTARE& Page 3 of 3 IOW Total Savings to Date Savings Since Savings This Period For This Account Jan 2006 Through Jan 01 0.00 0.00 0.00 Program End Date Transactions Discount °I, Savings Savings Since This Period or Credit This Poriod Jan 2006 AMERICAN EXPRESS GIFT CARDS - Ongoing $0.00 3% $0.00 $0.00 GIFTING SOLUTIONS AT&T - LOCAL AND LONG DISTANCE SMALL Ongoing $0.00 5% $0.00 $0.00 BUSINESS CALLING PLANS COURTYARD BY MARRIOTT- FOR PARTICIPATING Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT PAARRIOTT.COIWOPENSAVINGS FAIRFIELD INN BY MARRIOTT - FOR PARTICIPATING Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT MARRIOTT.COANOPENSAVINGS FEDEX - GROUND, EXPRESS AND Ongoing $0.00 5% $0.00 $0.00 INTERNATIONAL SHIPMENTS FEDEX KINK= OFFICE AND PRINT CENTERS- Ongoing $0.00 5% S0.00 $0.00 DOCUMENT SOLUTIONS AND BUSINESS SERVICES HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 HYATT - HOTELS & RESORTS IN THE U.S. Ongoing $0.00 3% $0.00 $0.00 AND PUERTO RICO RUBY TUESDAY - CASUAL DINING Ongoing $0.00 5% $0.00 $0.00 SPRINGHILL SUITES BY MARRIOTT - FOR PARTICIP. Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT MARRIOTT.COMIOPENSAVINGS STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, Ongoing $0.00 2% $0.00 $0.00 OR BY CATALOG UNITEDHEALTH ALLIES - Ongoing $0.00 40% $0.00 $0.00 HEALTH DISCOUNT CARD MEMBERSHIP USA TODAY- ALL SUBSCRIPTIONS Ongoing $0.00 10% $0.00 $0.00 WINGATE INNS - HOTELS IN THE U.S. Ongoing $0.00 5% $0.00 $0.00 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daly on your Summary of Accounts page online at www.amerlcanespress.com/accountsummany. Other Ways To Save! To see a complete list of partners and ways to save, visit opan.arnericanexpress.com/sav:ngs or call 1-800 NOW OPEN (669-6735) EFTA01704853 DUPLICATE COPY To manage your Account Blue for Business's." OPEN online, visit us at open. americanexpress.com SMALL BUSINESS NETWORK" Amami Mint% OmkoDge 02/02/06 Fagelof3 New Ns kiitty S Minimum ard Payment Due Date Previous Ballmice Pone. Adsay $ Oivgee II any Wm °alarm Amount Due $ 02/27/06 5,300.73 0.00 0.00 =5,300.73 1,614.86 Minimum Amount Duo Includes: Past due amount $1,508.86 The month's amount due Credit Line Total Credit Available Credit Cash Advance Available Cash $106.00 Summary Line $ Line$ Umit $ Limit $ Please refer to page 2 on 02/02106 8,200.00 2,899.27 0.00 0.00 for important information regarding your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity ."4" ." 4""" Arnount$ Total of Payment Activity 0.00 Amount S Total of New Activity 0.00 Finance Charges Average Daly Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this period: 31 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE S Purchases 0.00 0.0800% 0.00% 29.23% 0.00 Cash Advances 0.00 0.0800% 0.00% 29.23% ' 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 you Cardmember Agreement as currently in effect. Pbaso fold onto perluaico belart, detach ant reit= wth yw paymen: Payment Due Date: Please enter account Payment Coupon 02/27/06 number on all checks and correspondence. Total New Balance Make check payable to $ 5,300.73 American Express. Minimum Amount Due See Finance Charges $1,614.86 section on reverse side for a description of when additional Finance GERMANTOWN MD 20876 - 5960 Charges are not assessed on Purchases. 111111II II PUN 'III IIItldillllntlruluitlnluul,II • I Check here if your address Amount enclosed or telephone number has changed. Please note Mail Payment to: HddlIddahhhhIlhdhaaJandullhhIl changes on reverse side. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 WhLdlanfl.H.A.fl HhlohLAH 000530073000161'486 02 rl EFTA01704854 DUPLICATE COPY Pace 2 of 3 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process To Pay By Phone checks electronic* , 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 debated as soon as the same day we receive your payment. If we cannot collect the funds etedronicaly at first Customer Service presentment,we may issue a draft against your account for the amount of the check. 1.877-2583254 Authorization for Electronic Payments: By using the American Express Pay By Computer Pay By Phone or any 24 hours/7 days other American Express electrcnic payment service, you will be authorizing American Express to initiate an electronic debit to the financial account you specify in the amcuM you request. To use Pay By Computer, please visit us at www.americanexpress.com. Lost or Stolen Card Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immecfiately te'ephone us at the number Indicated on your 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 or call any local 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 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 and Balance Transfer features) of your Account (including current transactions). To get the (9am-Spin EST) Average Daily Balance for each feature, we (1)) take the beginning balance for the feature each day (including unpaid Finance Charges from previous billing periods), (2) add any new transactions, debits or fees (3) subtract any paymentsor 1-800.221.9950 credos, and (4) make any appropriate adjustmen s. For each day alter the flat day of the billing period, we also FAX: 1.800.695.9090 add en amount of interest equal to the previous days deity 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 ter the feature For the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the Large Print and Braille feature for the billing period and divide the total by the number of days in the tilling period. This gives us the Average Statements Daily Balance for the feature. If you multiply the Average Daily Balance for each feature by the number of days in the billing 1.877-258-3254 period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the tilling period is calculated by acting the Finance Charges assessed on all features of the Account. This method of calculating the Average Da Balance and Finance Charge results in daily compounding of Finance Charges. The minimum Finance Charge for an billing period in which Finance Charges are imposed is 80.50. If you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment due dale, then you Correspondence will avoid additionalFinance Charges on purchases includedin the New Balance on this statement. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be Customer Service converted into US dollars on the dato it is processed by us a our agents. Unless a particular rate is P.O. Box 7863 required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a fusion currency is no greater than (a) the behest Ft. Lauderdale, FL official conversion rate published by a govemment agency, or (b) the highest interbank conversion rate 33329-7863 identified by us from customary laanking sources, on the conversion date or the prior business day, Payments in each Instance Increased by 2%. This conversion rate may differ from rates in effect on the PO BOX 360002 date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. FT LAUDERDALE In Case of Errors or Questions About Your Electronic Transfers: Please contact us bz visiting us online at FL open.arnericanexpress.00m, or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, 33336-0002 or 1-800-CASH-NOW for EXpress Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong please contact us as soon as possible. We must hear from you no later than 60 days atter we sent you the FIRST statement on which the problem or error appeared When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or whyyou need more information. We wit investigate your complaint and correct any error promptly. II we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during thetime Makes usto complete our investigation. Creditor: American Express Bar*, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees andgrace periods by calling 1-800.518-8866. Change of Address • To change your address online, visit wvnv.americanexpress.com/updatecontactinlo =rat on 'toed • For Name or Company Name changes, please call the Customer Service do net uce, number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black Ink only in the boxes provided. Street Address T- 1- T-TMF Coy, State Ze Cate Please provideyour Ate& Cede and e-mail adckessto Herne Phone receive important Anneal* and account updates and j Work Phone exclusive Cardmember Erna (ceeonal) offers and benefits. You mayvisit the American Express Privacy Statement at swnv.americanexpress.conVporacy for more details and to set your email preferences. EFTA01704855 OPEN Savinbr i goThhah PecointHunter Page 3 of 3 Total Savings to Date Savings Since Savings This Period For This Account Jan 2006 Through Feb 01 0.00 0.00 0.09 Program End Date Transactions Discount % Savings Savings Since This Period or Credit This Period Jan 2006 AMERICAN EXPRESS GIFT CARDS - Ongoing $0.00 3% $0.00 $0.00 GIFTING SOLUTIONS AT&T - LOCAL AND LONG DISTANCE SMALL Ongoing $0.00 5% $0.00 $0.00 BUSINESS CALLING PLANS COURTYARD BY MARRIOTT - FOR PARTICIPATING Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT MARRIOTT.COM/OPENSAVINGS BY MARRIOTT FOR PARTICIPATING Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT MARRIOTT.COM/OPENSAVINGS FEDEX - GROUND, EXPRESS AND Ongoing $0.00 5% 50.00 $0.00 INTERNATIONAL SHIPMENTS FEDEX KINKO'S OFFICE AND PRINT CENTERS - Ongoing $0.00 5% $0.00 $0.00 DOCUMENT SOLUTIONS AND BUSINESS SERVICES HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 HYATT - HOTELS & RESORTS IN THE U.S. Ongoing $0.00 3% $0.00 $0.00 AND PUERTO RICO RUBY TUESDAY - CASUAL DINING Ongoing $0.00 5% 50.00 $0.00 SPRINGHILL SUITES BY MARRIOTT - FOR PARTICIP. Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT IVARRIOTT.CONVOPENSAVINGS UNITEDHEALTH ALLIES - Ongoing $0.00 40% $0.00 $0.00 HEALTH DISCOUNT CARD MEMBERSHIP USA TODAY • ALL SUBSCRIPTIONS Ongoing $0.00 10% $0.00 $0.00 WINGATE INNS - HOTELS IN THE U.S. Ongoing $0.00 5% $0.00 $0.00 1-800-FLOWERS.COM • FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your Summary of Accounts page online at www.ameticanexpress.corn/accountsummary. Other Ways To Save! Save 3% when purchasing American Express Gift Cards online at opensavings.comiglftcards To see a complete rist of partners Save an extra 5% on purchases from 1-800-FLOWERS.COM Visit opensavings.comillowers. and ways to save, visa open.americanexpress.comf Save 45% on the cover price of USA Today. Visit opensavIngs.comiusatoday. savings, or call Save 15% co eye catching email campaigns with Constant Contact. Visit 1.800 NOW OPEN (659-6736) openspvings.com/constantoontact. Save 15% on professinal logo design services with Logoworks. Visit opensavings.comlogoworics. EFTA01704856 DUPLICATE COPY To manage your Account Blue for Business4" OPEN online, visit us at open. amcricancxpress.com SMALL BUSINESS NETWORK'- A000ull Number Cke...ig 03/02/06 Page 1 of 2 New yS EAAdmAnciota and Minimum Payment Due Date Fnvna .E any New eau= S. Amount Due $ 03/27/06 0.00 =5,300.73 1,720.86 Minimum Amount Due Includes: Past due amount $1,614.86 Credit Line The; month's amount due Total Crecit Available Credit Cash Advance Available Cash $106.00 Summary Line $ Line $ Lima; Limit $ Please refer to page 2 on 03/02/06 8,200.00 2,899.27 0.00 0.00 for important information regarding your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity "4c'srrouto°s° Amounts Total of Payment Activity 0.00 Amount S Total of New Activity 0.00 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Silting days this period: 28 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 0.00 0.0807% 0.00% 29.49% 0.00 Cash Advances 0.00 0.0807% 0.00%• 29.49% 0.00 0.00 Certain of the peri06.0 rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. + Prase foil at the portuaton Wow. detach and fain with your mment Payment Coupon Payment Due Date: Please enter account 03/27/06 number on all checks and correspondence. Total New Balance Make check payable to $ 6,300.73 American Express. PRIFIRMI Minimum Amount Due See Finance Charges $1,720.86 section on reverse side for a description of when additional Finance ~7 RID2086 60 Charges are not assessed on Purchases. IrtltlllrulNlklurltlltuitltltltulltril,,,Irullulu,I,II Check here if your address Amount enclosed or telephone number has changed. Please note Mail Payment to: changes on reverse side. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I 000530073000172086 02 ri EFTA01704857 DUPLICATE COPY Page 2 of 2 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronialy or by phone, please submit your payment in the enclosed envelope wilh the remittance stub attached and accourt number indicated cn the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process To Pay By Phone checks sleeker-logy , at first presentment and any re-presentments, be transmitting the amount of the check, 1.800-472.9297 routing number, account number and check serial number to your financial institution. Tour checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first Customer Service presentment, we may issue a draft against your account for the amount of the check. I.877.2583254 Authorization for Electronic Payments: By using the American Express Pay By Computer, Pay By Phone or any 24 hours/7 days other American Express eledronc payment service, you will be authorizing American Express to initiate an electronic debt to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at www.arnericanexpress.com. Lost or Stolen Card 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 or call any local American Express office. International Gelled Finance Chartres; Average Daily Balance Method for Calculation of Finance Charges:We Use the Average Daily 1£23.492.7719 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 described below) for each feature (such as Hearing Impaired Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the (9arn•Spm EST) Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid TTY: 1-800-221-9950 Finance Charges from previous bit ire periods), (2) add any new transactions, debits,or fees (3) subtract any payments or credits, and (4) make any appropriate aciustmen s.For each day after the first day of the billing penoci, we also FAX: 1.800.695.9090 add an amount of Interest equal to the previous day's daily balance multiplied by the dairy 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, a is considered to be zero. Then, we add up all the daily balances for the Large Print and Braille feature for the billing _period and divide the total by the number of days in the billing period. This gives us the Average Statements Daily Balance for the feature. If you multiplythe Average Daily Balance for each feature by the number of days in the billing 1-877-258-3254 period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the tilling period is calculated by adding the Finance Charges assessed on all features of the Account. This method of calCulating the Average Daily Balance aid Finance Charge results in daily compounding of Finance Charges. The minimum Finance Charge for any billing period in which Finance Charges are imposed is $0.50. If you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment due dale, then you will avoid additional Finance Charges on purchases included in the New Balance on this statement. • Correspondence Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be Customer Service converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is P.O. Box 7863 required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest Ft. Lauderdale, FL official conversion rate published by a government agency, or (b) the highest interbank conversion rate 33329-7863 identified by us from customary banking sources, on the conversion date or the prior business day, Payments in each Instance Increased by 2%. This conversion rice may differ from rates in effect on the PO BOX 360002 date of your Charge. Charges converted by establishments (such as airlines) will be bled at the rates such estabishments use. FT LAUDERDALE In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visible us on7me at FL open.americanexpress.com, or you can call us at 1-8001PAY-AXP for Pay By Phone and Pay By Computer issues, 33336-0002 or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indcated on your statement. If you think your statement, receip4, or transaction is wrong, please contact us as soon as possible. We must hear hem you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Ten us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and corre any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you win have use of the money during thetime hakes usto complete our investigation. Credftor: American Express Bank, FSe. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1.800-518.8866. Change of Address • To change your address online, visit www.americanexpress.com/updatecontactInto It mom on Iron • For Name or Company Name changes, please call the Customer Service do nit uso number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black ink only In the boxes provided. Street Address - FTT Cry. Some Zrp cam Please provideyour Ana Cock• and e-mail address to Hama Phone receive important Area Coda and innimil account updates and Wort Phone exclusive Cardmember Erna! (*WA offers and benefits. You may visit the American Express Privacy Statement at vnvw.americanexpress.com/pnvacy for more details and to set your email preferences. EFTA01704858 DUPLICATE COPY To manage your Account Blue for Business" OPEN online, visit us at open. americanexpress.com SMALL BUSINESS NETWORK" wp m Ameunt Number Cbrirs 04/03/06 Page 1 of 3 New Activity S ineAvnuttrmirs and Minimum Payment Due Date Previous Pafarce S 0CM S Fmanne Plume d New Blame $ Amount Due $ 04/28/06 5,300.73 0.00 =5,300.73 1,826.86 Minimum Amount Due Includes: Past due amount $1,720.86 Tlm. month's amount due Credit Line Total Credit Available Cash Advance Available Cash $106.00 Summary Line $ Line Umit $ Limit $ Please refer to page 2 on 04/03/06 8,200.00 2,899.27 0.00 0.00 for important information regarding your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity -1`4"" P"N". Amounts Total of Payment Activity 0.00 Amounts Total of New Activity 0.00 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this penod: 32 Balance $ Periods Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 0.00 0.0815% 0.00% 29.74% 0.00 Cash Advances 0.00 0.0815% 0.00% 29.74% 0.00 0.00 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. + Akers° kid on Me pertermon tenon a:there reAmierrii your payment 4 Payment Due Date: Please enter account Payment Coupon 04/28/06 number on all checks and correspondence. Total New Balance Make check payable to $ 5,300.73 American Express. UM NW Minimum Amount Due See Finance Charges $1,826.86 section on reverse side For a description of when additional Finance GERMANTOWN MD 20876 -5960 Charges are not assessed on Purchases. • Check here if your address Amount enclosed or telephone number has charged. Please note Mail Payment to: MddllIdahhhUhdhaiffland.Ohlill charges on reverse side. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 II.I.,I.I....I.II 000530073000182686 02 ri EFTA01704859 DUPLICATE COPY Page 2 of 3 Payments: Payments received after 12:00 noon or on weekends or holidays may not be decided until the not business day. Payments, must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). II you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated chedts. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process 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 wo 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 Computer, Pay By Phone or any 24 hours/? days other American Express electronic payment service, you will be authorizing American Express to intlate an eledronic debt to the financial account you specify in the amount you request. To use Pay kL , Computer, please Lost or Stolen Card visit us at wwwarriericanexpress.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 crick on the Customer Service Ink online. Outside the U.S. contact the nearest American Express Travel Service °thee or call any local American Express office. International Collect Finance Changes: 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 tho Average Daily Balance (as described below) for each feature (such as Hearing Impaired Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the (9am-5pm EST) Average Daily Banco for each feature, we take the beginning balance for the feature each day (including unpaid TTY: 1-800-221-9950 Finance Charges from previous biting periods), (2) add any new transactions, debfts, or fees, (3) subtract any payments or FAX: 1-800-695-9090 creeds, and (4) make any appropiate adrustmen s. For each day after the first day of the billing period, we also add en amount of interest equal to the previous day's daily balance multiplied by the dairy periodic rate 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, ft is considered to be zero. Then, we add up all the daily balances for the Large Print and Braille feature for the biting period and divide the total by the number of days in the baling period. This gives us the Average Statements Daily Balance for the feature. If you multiply the Average Daily Balance for each feature by the number of days in the billing 1.877-258-3254 period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the billing period is calculated by adding the Finance Charges assessed on all features otitis Account. This method of carculeling the Average Daily Balance and Finance Charge results In daily compounding of Finance Charges. The minimum Finance Charge for any billing period in which Finance Charges are imposed is $0.50. If you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment Are date, then you will avoid additional Finance Charges on purchases inckidedin the New Balance on this statement. O Conespondence Transactions Made In Foreign Currencies: If you incur a Charge In a foreign currency, it will be Customer Service converted into US dollars on the date it S processed by us or our agents. Unless a particular rate is P.O. Box 7863 required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Ft. Lauderdale, FL Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate 33329-7863 identified by us from customary banking sources, on the conversion date or the prior business day, Payments in each Instance Increased by 2%. This conversion rate may differ from rates in effect on the PO BOX 360002 date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such FT LAUDERDALE establishments use. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at FL open.arnericanexpress.com, or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, 33336-0002 or 1-8h0-CASH-NOW for Express Cash and automatic payment Issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, ple ase contact us as soon as possible. We must hear irom you no later than 60 days after we sent you the FIRST tement on which the problem or error appeared. When contacting us: 1. Tell Ls your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as dearly as you can why you believe there is an error or why you need more information. We wal investigate r complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. CredRor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative a• e card rates, fees andgrace periods by calling 1.800-518.8866. Change of Address • To change your address online, visit www.americanexpress.comtupdatecontaclinfo II VOITOCI on if011 • For Name or Company Name changes, please call the Customer Service do not no number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black ink only in the boxes provided. Stott Address nt- T-11- 1- T1- I 1 I I Cry. Slat* Zip Code I Please provide your Ana code and e-mail address to Hone Phone receive important account updates and Area Code and 1 j Woik Phone exclusive Cardmember Ens (optional) offers andbenefits. You may visit the American Express Privacy Statement at %WAY. arnericanexpross.corn/pwacy for more details and to set your emai preferences. EFTA01704860 OPEN Savinr§tichitPM Page 3 of 3 b Total Savings to Date Savings Since Savings This Period For This Account Jan 2006 Through' pr 02 S 0.00 0.00 0.00 Program End Date Transactions Discount % Savings Savings Sgt SayIn This Period or Credit This Period AMERICAN EXPRESS GIFT CARDS - Ongoing $0.00 3% $0.00 $0.00 GIFTING SOLUTIONS AT&T - LOCAL AND LONG DISTANCE SMALL Ongoing $0.00 5% $0.00 $0.00 BUSINESS CALLING PLANS COURTYARD BY MARRIOTT- FOR PARTICIPATING Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT MARRIOTT.COMFOPENSAVINGS FAIRFIELD INN BY MARRIOTT - FOR PARTICIPATING Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT MARR1OTT.COM/OPENSAVINGS FEDEX - GROUND. EXPRESS AND Ongoing $0.00 5% $0.00 $0.00 INTERNATIONAL SHIPMENTS FEDEX KINKO'S OFFICE AND PRINT CENTERS - Ongoing $0.00 5% $0.00 $0.00 DOCUMENT SOLUTIONS AND BUSINESS SERVICES HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 HYATT - HOTELS & RESORTS IN THE U.S. Ongoing $0.00 3% $0.00 $0.00 AND PUERTO RICO RUBY TUESDAY - CASUAL DINING Ongoing $0.00 5% $0.00 $0.00 SPRINGHILL SUITES BY MARRIO1T - FOR PARTICIP. Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT MARRIOTT.COMIOPENSAVINGS UNITEDHEALTH ALLIES - Ongoing $0.00 40% $0.00 $0.00 HEALTH DISCOUNT CARD MEMBERSHIP USA TODAY - ALL SUBSCRIPTIONS Ongoing $0.00 10% $0.00 S0.00 WINGATE INNS - HOTELS IN THE U.S. Ongoing $0.00 5% $0.00 $0.00 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 $0.00 Full terms and conditions for the offers above are available on your Summary of Accounts online. Log on to www.opensavings.com. Your OPEN Savings totals are updated daily. Other Ways To Save! To see a complete list of partners and ways to save, visit open.americanexpress.comisavings or call 1-800 NOW OPEN (669-6736) EFTA01704861 DUPLICATE COPY . To manage your Account Blue for Business" OPEN online, visit us at open. americanexpress.com SMALL BUSINESS NETWORK'• Account Number Clahs DO 05/02/06 Page 1 of 3 Nett AMMly Minimum Ian AdiuttneMs and Payment Due Date Foxe Cho*: I my New Barest Amount Due S 05/27/06 0.00 •25,300.73 1,932.86 Minimum Amount Due Includes: Past due amount $1,826.86 Credit Line Total Credit Available Credit Th4. month's amount due Cash Advance Available Cash $106.00 Summary Line $ Line $ Limit $ Limit $ Please refer to page 2 on 05/02/06 8200.00 2,899.27 0.00 0.00 for important information regarding your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity MOAN* PONI02 SAN Amountt Total of Payment Activity 0.00 Amounts Total of New Activity 0.00 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this paned: 29 Balance $ Perlocfic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 0.00 0.0815% 0.00% 29.74% 0.00 Cash Advances 0.00 0.0815% 0.00% 29.74% 000 0.00 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Ti Plea* SO cat* perbtato Wow, death sod trowel yo payment + Payment Coupon Payment Due Date: Please enter account 05/27/06 number on all checks and correspondence. Total New Balance Make check payable to $ 5,300.73 American Express. Minimum Amount Due See Finance Charges $1,932.86 section on reverse side for a description of when additional Finance GERMANTOWN MD 20876-5960 Charges are not assessed on Purchases. 11111III11llul1lulllllutlt1111111JL11LIJ1,JI,Jud111 • I I Check here if your address Amount enclosed of telephone number has changed. Please note Mail Payment to: OddllidiadddafilkaaJandAhhIl changes on reverse side. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 i'111111111111111111„1 I,)l11111111111111111111111111111111111 000530073000193286 02 rl EFTA01704862 DUPLICATE COPY Pe od F Page 2 of 3 Payments: Payments received alter 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Collars and drawn on a bank !waled in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They wit be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process To Pay By Phone checks electronically , at first presentment and any re-presentments, by 7ransmitling the amount of the check, 1-800-472-9297 routng number, account number and check sepal number to your financial institution. Your checking account may be debRed as soon as the same day we receive your payment. If we cannot collect the funds electronically at first Customer Service presentment, we may issue admit 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 hoursr7 days other American Express electronic payment service, you will be authorizing American Evress to initiate an electronic debit to the financial account you specify in the amount you reqtest. To use Pay By Computer, please visit us at www.americanexpreSS.Com. Lost or Stolen Card Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately, telethon 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 anylocal American Expren°Mee. International Collect finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily 1-623492-7719 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 described below for each feature (such as Hearing Impaired Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the (9am-5pm EST) Average Daily Balance for each feature, we take the beginning balance for the feature each day (including unpaid TTY: 1-800-221-9950 Finance Charges from previous tiling periods),(2) add any new transactions, deoits, or fees, (3) subtract any payments or credits, and (4) make any appropriate adjustments.For each day after the first day of (he billing period, we also FAX: 1-800-695-9090 add an amount of littered 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 balance for the feature for that day anc the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the Large Print and Braille feature for the billing period and dMde the total by the number of days in the billing period. This gives us the Average Statements Daily Balance for the feature. If you multiply the Average Daily Balance for each feature by the number of days in the billing 1.877-258-3254 period and the daily periodic rate for that feature, the result wit be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge (or the billing period iscalculated by adding the Finance Charges assessed on all features of the Account. This method of calculating S Average Daffy Balance and Finance Charge results in daily compounding of Finance Charges. The minimum Finance Charge for any billing period in which Finance Charges are imposed is $0.50. If you paid the New Balance on your prior statement in full by Is payment due date, and you pay the New Balance on this statement by its payment due date, then you Correspondence will avoid additional Finance Charges on purchases included in the New Balance on this statement. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be Customer Service converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is P.O. Box 7863 required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is, re greater than (a) the highest Ft. Lauderdale, FL official conversion rate published by a government agency, or (b) tte highest interbank conversion rate 33329-7863 identified by us from customary banking sources, on the conversion date or the prior business day, Payments In each Instance Increased by 2%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as arines) will be billed at the rates such PO BOX 360002 establishments use. FT LAUDERDALE In Case of Errors or Questions About Your Electronic Transfers: Flease contact us by visiting us online at FL open.americanexpress.com, or you can call us at 1-800-IPAY-AXP for Pay Ey Phone and Pay By Computer issues, 33336-0002 or 1-800-CASH-NOW for Express Cash and automatic payment issues. Ycu can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide tie dollar amount of the suspectederror; 3. Describe the error or the transfer you are unsure of, and explain as dearly as you can why you believe there Is an error or whyyou need more information. We will investigate your complaint and cowed any error promptly. If wetake more than 10 business days to do this, we will credit your account for the amount youth:* is in error, so that you wit have use of the money during the timeit takes us to oomplete our investigation. CredRo American Evress Bank, FSB. New York residents may contact the New York Banking Department to Chira c: comparative creM card rates, fees and grace periods by calling 1-800-518-8866. Change of Address • To change your address online, visit www.americonexpress.corniupdatecontactinfo r torso' on frond • For Name or Company Name changes, please call the Customer Service 00 riot ace number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black Ink only in the boxes provided. Stitel Acklress Cat slate I _1 ro Cods Please provide your Ana Cods and e-mail add-essto Wade Phone receive important Ansa Code and account updates and =mom' Work Phone exclusive Cardmember Ewa (cationen offers and benefits. You mayvisit the American Express Privacy Statement at www.americanexpress.cem/pnvacy for more detail, and to set your email preferences. EFTA01704863 OPEN SavinViltaitPgy Page 3 of 3 PI tarot Total Savings to Date Savings Since Savings This Period For This Account Jan 2006 Through May 01 S 0.00 0.00 0.00 Program End Date Transactions Discount % Savings Savings Since This Period or Credit This Period Jan 2006 AMERICAN EXPRESS GIFT CARDS - May 01, 2006 $0.00 3% $0.00 $0.00 GIFTING SOLUTIONS AT&T- LOCAL AND LONG DISTANCE SMALL Ongoing $0.00 5% $0.00 $0.00 BUSINESS CALLING PLANS COURTYARD BY MARRIOTT - FOR PARTICIPATING Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT MARRIOTT.COMIOPENSAVINGS FAIRFIELD INN BY MARRIOTT • FOR PARTICIPATING Ongoing $0.00 5% 50.00 $0.00 HOTELS, VISIT MARRIOTT.COMIOPENSAVINGS FEDEX - GROUND, EXPRESS AND Ongoing $0.00 5% $0.00 $0.00 INTERNATIONAL SHIPMENTS FEDEX KINKO'S OFFICE AND PRINT CENTERS - Ongoing $0.00 5% $0.00 $0.00 DOCUMENT SOLUTIONS AND BUSINESS SERVICES HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 50.00 HYATT - HOTELS & RESORTS IN THE U.S. Ongoing $0.00 3% $0.00 $0.00 AND PUERTO RICO RUBY TUESDAY - CASUAL DINING Ongoing $0.00 5% $0.00 $0.00 SPRINGHILL SUITES BY MARRIOTT - FOR PARTICIP. Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT MARRIOTT.COMIOPENSAVINGS UNITEDHEALTH ALLIES - Ongoing $0.00 40% $0.00 $0.00 HEALTH DISCOUNT CARD MEMBERSHIP USA TODAY - ALL SUBSCRIPTIONS Ongoing $0.00 10% $0.00 $0.00 WINGATE INNS - HOTELS IN THE U.S. Ongoing $0.00 5% $0.00 $0.00 1.800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 $0.00 Full terms and conditions far the offers abovo aro available on your Summary of Accounts online. Log on to www.opensavings.com. Your OPEN Savings totals are updated daily. Other Ways To Save! To see a complete lest of partners and ways to save, visit open.americanexpress.conilsavings or call 1.800 NOW OPEN (669-6736) EFTA01704864 DUPLICATE COPY To manage your Account Blue for Business" OPEN online, visit us at open. americanexpress.com P000nttrlurrtr, r Closing Date 06/02/06 Page 1 of 3 New /Witty It Minimum Attanents and Amount Due $ Payment Due Date Pf•Mlit Wawa Panamint Actiyty$ Finance Charges any New &Wee $ 06/27/06 5,300.73 0.00 0.00 85.300.73 2,038.86 Minimum Amount Due Includes: Past due amount $1,932.86 This month's amount due Credit Line Total Crag Available Credit Cash Advance Available Cash $106.00 Summary Une $ Line $ Limit $ Umit $ Please refer to page 2 on 06102/06 8,20800 2,899.27 0.00 0.00 for important information regarding your account Your account has been cancelled and suspended. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity •wcx"Pcdrgd'I ° Amount Total of Payment Activity 0.00 Amanda Total of New Activity 0.00 Finance Charges Average Daily Day Actual ANNUAL Nominal ANNUAL Periodic Billing days this penod: 31 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 0.00 0.M92% 0.00% 29.99% 0.00 Cash Advances 0.00 0.0822% 0.00% 29.99% 0.00 0.00 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. + Please lad on the perSaraton bekw.&ea* ard Trammel pus pa)mert Payment Coupon Payment Due Date: Please enter account 06/27/06 number on all checks and correspondence. Total New Balance Make check payable to $ 5,300.73 American Express. Minimum Amount Due See Finance Charges $2,038.86 section on reverse side for a description of when additional Finance GERMANTOWN MD 20876 - 5960 Charges are not assessed on Purchases. Check here if your address Amount enclosed or telephone number has changed. Please note Mail Payment to: changes on reverse side. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I 000530073000203886 02 rl EFTA01704865 DUPLICATE COPY Page 2 of 3 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are net paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated cn the check. Please do not send post-dated chedz. They will be deposited upon receipt If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process To Pay By Phone checks eledromcaly , at frst 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 presentrnent,we may issue a draft against your account for the amount of thecheck 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 visit us at wunv.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 link thine. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. International Collect Finance Charqesi Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily I.623.492.7719 Balance method to calculate Finance Charges on your Account. Under thismethod, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as describedbetow) for each feature (such as Hearing Impaired Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the (9am-5pm EST) Average Daily Balance for each feature, we (1 take the beginning balance for the feature each day (including unpaid ITV: 1-800.221.9950 Finance Charges from previous billing periods), (2) add any new transactions, debits, or fees (3) subtract any payments or credits, and (4) make any appropriate adjustmen s.For each day after the fire day of the billing perfocf, we also FAX: 1.800-695.9090 add an amount of Interest equal to the previous days dally balance multiplied by the dolly periodic rate In NY: 1-800-522-1297 for the feature. This gives us the daily balance for the feature lot that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the Large Print and Braille feature for the billing period and divide the total by the number of days In the billing period. This gives us the Average Statements Daily Balance for the feature. If you multiply the Average Daily Balance for each feature by the number of days in the billing 1-877-258- 54 period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for notations caused by rouncing. The total Finance Charge for the billing period is calculated by adding the Finance Charges assessed on all features of the Account. This method of cakulating the Average Daffy Mance end Finance Charge results In daily compounding of Finance Charges. The minimum Finance Charge for any O tiling period in which Finance Charges are imposed is $0.50. If you paid the New Balance on your prior statement in full by its payment due date, and you pay the New Balance on this statement by its payment due date, then you Correspondence will avoid additional Finance Charges on purchases included in the New Balance on this statement. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be Customer Service converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is P.O. Box 7863 required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest Ft. Lauderdale, FL official conversion rate published by a government agency, or (b) the highest interbank conversion rate 33329-7863 . identified by us from customary banking sources, on the conversion dale or the prior business day, Payments In each Instance increased by 2%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such PO BOX 360002 establishments use. FT LAUDERDALE In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at FL open.americanexpress.com„ or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, 33.1.1s-oo62 or 1.800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think you statement, receipt, or transaction is wrong. please contact us as soon as possible. We must hear From you no later than 60 days after we sent you the FIRST statement on which the problem orerror appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; & Describe the error or the transfer you are unsure of, and explain as dearly as you can why you believe there is an error or whyyou need more information. We will investigate your complaint and coned any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain or: creth card rates, fees and grace periods by calling 1-8430-518-8866. Change of Address • To change your address online, visit www.americanoxpress.com/updatecontactinfo ir correct on trod • For Namo or Company Name changes, please call the Customer Service do not use number on the back of your Card. • If your address or phone number has changed to a FOREIGN ADDRESS OR PHONE, please call Customer Service. • Please print clearly in blue or black Ink only In the boxes provided. Street Addrea; City, State U Be Code Pease provide your Area Code and e-mail addessto Home Phone receive important Area code and account updates and Wod Phone exclusive Cardmember Enrol itaiOnd) offers and benefits. You mayvisit the American Express Privacy Statement at wwwamericanexpress.com/pnvacy for more details and to set your email preferences. EFTA01704866 OPEN SavinrfiTAFIPAii)iy Pogo 3 of 3 Total Savings to Date Savings Since Savings This Period For This Account Jan 2006 Through Jun 01 S 0.00 0.00 0.00 Program End Date Transactions Discount % Savings SavinsSgg This Period or Credit This Pen oci Jan AMERICAN EXPRESS GIFT CARDS - Ongoing $0.00 3% $0.00 $0.00 GIFTING SOLUTIONS AT&T - LOCAL AND LONG DISTANCE SMALL Ongoing $0.00 5% $0.00 $0.00 BUSINESS CALLING PLANS COURTYARD BY MARRIOTT - FOR PARTICIPATING Ongoing $0.00 5% 50.00 $0.00 HOTELS, VISIT MARRIOTT.COIWOPENSAVINGS FAIRFIELD INN BY MARRIOTT - FOR PARTICIPATING Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT MARRIOTT.COM/OPENSAVINGS FEDEX - GROUND, EXPRESS AND Ongoing $0.00 5% 50.00 $0.00 INTERNATIONAL SHIPIAENTS FEDEX KINKO'S OFFICE AND PRINT CENTERS - Ongoing $0.00 5% $0.00 $0.00 DOCUMENT SOLUTIONS AND BUSINESS SERVICES HERTZ - CAR RENTALS Ongoing 50.00 5% $OSO $0.00 HYATT - HOTELS & RESORTS IN THE U.S. Ongoing $0.00 3% $0.00 $0.00 RUBY TUESDAY- CASUAL DINING Ongoing $0.00 5% $0.00 $0.00 BY MARRIOTT - FOR PARTICIP. Ongoing $0.00 5% $0.00 $0.00 HOTELS, VISIT MARRIOTT.CONVOPENSAVINGS UNITEDHEALTH ALLIES - Ongoing $0.00 40% $0.00 $0.00 HEALTH DISCOUNT CARD MEMBERSHIP USA TODAY - ALL SUBSCRIPTIONS Ongoing $0.00 10% $0.00 $0.00 WINGATE INNS - HOTELS IN THE U.S. Ongoing $0.00 5% $0.00 $0.00 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 5% $0.00 $0.00 Totals $0.00 $0.00 y EFTA01704867 _Itersallaretra. Payment Du e Date: Piease enter =curt Payment Coupon apnea number on ail checks and correspondence. .7.. Total New Balance Matra died( payable b _. . 81,0'38.06 American Express. • T-' -5 A BAGEL illtilinunt Amount Doe To escort additional $22_00 Finance Charges on Purchases, Pay the New 4897-1450 Balance before the Payment Due Date. Chad( here it actress or • • telephone number ha Mount enansed changed. Note charges on reverse wcie. Mad Pay; it to: HJJNAIMAJAWAHAIMAJAJW AMERICAN EXPRESS - PO BOX 360002 --- • FT LAUDERDALE FL'33336-0002 -. IIIllIIIIrulIurlIrrllnlIrtrlluIII I HII HUHI 000104806000002200 02. r$ EFTA01704868 . • . Change of Address mrrmt mamma • ,dormius *: • • • • •i.A • • .• • • • • • • • • • , • Compitsy Sean Mess& • • • dr. Site Providing your email A.1611Cacie rd ackben to American ' Homo Pncnn Express will °nab.you ' Anutemlo toreceivespecial offers, ' " • Walt Phone Suited toss needs. Ems • ".. EFTA01704869 QEBRDi REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CHECK# : 1836 CUSTOMER BANK: BRANCH BNKGIPPIII! COMPANY TRACE# : AMOUNT: $ 33.00 PROC DATE: A STED POSTED AMOUNT 33.00 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 09/24/2004 PRESENT SEQ#: 0000 ACH: Y BOOK#: 002908 AUX CHECK*: CAPTURE CENTER : SROC PAYMENT TYPE : PAPER ORIGINAL ABA* : ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: JPMORGAN CHASE BANK, NA RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN 10. EFTA01704870 QEBRD1 REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CHECK# : 1818 CUSTOMER BANK: BRANCH BNKGRIFIRI COMPANY TRACE# AMOUNT: $ 25.00 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 25.00 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 08/21/2004 PRESENT SEQ#: 0000 ACH: Y BOOK#: 001142 AUX CHECK#: CAPTURE CENTER : SROC PAYMENT TYPE : PAPER ORIGINAL ABA# : ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: JPMORGAN CHASE BANK, NA RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704871 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 AB4#: DDA#: CHECK# : 0000 CUSTOMER BANK: BRANCH BNKG1/11,11 COMPANY TRACE* : 1111 AMOUNT: $ 50.00 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 50.00 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 07/11/2004 PRESENT SEQ#: 0000 ACH: N BOOK#: 008053 AUX CHECK#: 1185 CAPTURE CENTER : SROC PAYMENT TYPE : PAPER ORIGINAL ABA# : ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: BANK OF AMERICA, NA RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704872 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: CUSTOM DDA#: BRANCH BNKG Rpm COMPANY CHECK# TRACE# : 0000 : AMOUNT: $ 600.00 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 600.00 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 06/16/2004 PRESENT SEQ#: 0000 ACH: N BOOK#: 008093 AUX CHECK#: 1151 CAPTURE CENTER : SROC PAYMENT TYPE : PAPER ORIGINAL ABA# : ORIGINAL DDA#: RETURN REASON : RETURN SEQ# 0000 DEPOSITORY BANK: BANK OF AMERICA, NA RETURN DATE MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704873 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CHECK* : 0000 CUSTOMili tlir I BRANCH BNKGFT11,1 COMPANY TRACE# : AMOUNT: $ 400.00 PROC DATE: 5 ..] ./ ACCOUNT NUMBERS POSTED POSTED AMOUNT 400.00 • PRESENTMENT STATUS: PAID PRESENTMENT DATE: 05/21/2004 PRESENT SEQ#: 0000 ACH: N BOOK#: 008307 AUX CHECK#: 1118 CAPTURE CENTER : SROC PAYMENT TYPE : PAPER ORIGINAL ABA# : ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: BANK OF AMERICA, NA RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704874 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CHECK# : 0000 CUSTOMI IIII I BRANCH BNKGIFRI t COMPANY TRACE# AMOUNT: $ 600.00 PROC DATE: 04 ACCOUNT NUMBERS POSTED POSTED AMOUNT 600.00 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 04/21/2004 PRESENT SEQ#: 0000 ACH: N BOOK#: 008233 AUX CHECK#: 1075 CAPTURE CENTER : SROC PAYMENT TYPE : PAPER ORIGINAL ABA# : ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: BANK OF AMERICA, NA RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704875 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CHECK# : 0000 CUSTOP IW I BRANCH BNKGIIIPM, COMPANY TRACE# AMOUNT: $ 400.00 PROC DATE: !!!!!!!!!!IIIII ACCOUNT NUMBERS POSTED POSTED AMOUNT 400.00 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 03/20/2004 PRESENT SEQ#: 0000 ACH: N BOOK#: 008076 AUX CHECK*: 1023 CAPTURE CENTER : SROC PAYMENT TYPE : PAPER ORIGINAL ABA# ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: BANK OF AMERICA, NA RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 6-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704876 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CHECK# : 0000 CUSTOMPI RWEAGLEBANK TRACE# AMOUNT: $ 50.55 PROC DATE: ACCOUNT NUMBERS POSTED POSTED AMOUNT 50.55 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 02/20/2004 PRESENT SEQ#: 0000 ACH: N BOOK#: 008026 AUX CHECK#: 1684 CAPTURE CENTER : SROC PAYMENT TYPE : PAPER ORIGINAL ABA# : ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: BANK OF AMERICA, NA RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704877 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: DDA#: CHECK# : 0000 CUSTOMER BANK: EAGLEBANK TRACE# AMOUNT: $ 31.06 PROC DATE: 15 2003 ACCOUNT NUMBERS POSTED POSTED AMOUNT 31.06 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 08/15/2003 PRESENT SEQ#: 0000 ACH: N BOOK#: 008160 AUX CHECK#: 1379 CAPTURE CENTER : SROC PAYMENT TYPE : PAPER ORIGINAL ABA# : ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: BANK OF AMERICA, NA RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704878 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABAL: IIIIIIIIII DDA#: CHECK* : 0000 CUSTOMRITiTO 7 KTEAGLEBANK TRACE# : AMOUNT: $ 23.92 PROC DATE: 01 .3 1 AC OUNT NUMBERS POSTED POSTED AMOUNT 23.92 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 01/16/2004 PRESENT SEQ#: 0000 ACH: N BOOK#: 008193 AUX CHECK#: 1636 CAPTURE CENTER : SROC PAYMENT TYPE : PAPER ORIGINAL ABA# : ORIGINAL DDA#: RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: BANK OF AMERICA, NA RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01704879

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