EFTA01704493

COPY Page 6 of 8 CityPass® - The Simple Way to Vacation in America's Most Popular Cities 'XS' 0 rise' You can now redeem Membership Rewards® points for To start redeeming today, ah t,11 CityPass - New York, Boston, Philadelphia, Chicago, Seattle, log on to www.amoricanexpress. Hollywood and San Francisco. CityPass is a pay-one-price 0.1[WAR 0-b! ticket booklet that Includes actual admission tickets to each city's top attractions. There's no better way to take it all in. com/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 2420) Earn 1Ox Points from FTD.COMe This Valentine's Day! Find the perfect way to show how much you care this Make Valentine's Day Valentine's Day, plus earn 10x points when you shop at special this year with flowers and gifts from FTD.COM. Send fresh flowers, delivered by a quality FTD® FTD.00M and earn 10x Florist. Or tempt their sweet tooth with cookies, chocolates, points when you shop at gift baskets, and morel So show you care and earn 10x www.ttd.com/amex points by visiting www.ftd.com/amexpromo or call promo or call 1-800-SEND•FTD and 1-800-SEND-FTD and give promo code 4134. give promotion 4134. Oka card trough 1V31/06.1gdvddifIretafistoces et in writ:maw *Oh en/ tenet tflar IranFIT).03All (MR Bonus ID 7870 To tam bonus points youmu be info:1W in the MentecshoReweadst popem al be tknoolwoltase and charge your ponchos° lo on elgiolo. emoted American Ewes,.Cad. Bows Watts MI be matod to your 6Acrnborshly Royards axwro 1(612 weeks anon *dammed andthugs grow on Kw taw Slikalelt Bout V 7670. Transfer Membership Rewards® Points into Starwoode Points! Enjoy a special getaway this season. Transfer Membership To learn more about these Rewards points into Starwood points for nights at a variety of rewards and redeem points, visit beautiful hotels. With Starwood's Preferred Guest® Program www.ameticenexpress. STARWOOD PREFERRED QUEST you can redeem Starwood points for nights at some of the com/rewards or cal; world's most luxurious hotels. This rewarding program 1.800-AXP-EARN encompasses a collection of six unique brands Including (297-3276). Westin Hotels & Resorts®, Sheraton Hotels & Resorts®, St. (MR Message 0399) Regis®, The Luxury Collection®, Four Points® by Sheraton, and W® Hotels. Tema ardcaanitscJet Manberahlp Flawards pnwram awty. Pot mew illormaka. visa youramerIcanexpress.comtewarcls. Get Away From the Cold with a Trip to Mexico on Mexicana! Redeem Membership Rewards® points for Frecuenta Miles For more information on on Mexicana. You'll enjoy friendly service aboard one of the Mexican, visit www. mexIcana.com. To learn MEXICANI4 111 most modern fleets in the world. Mexicana has the largest more about these rewards international coverage in Mexico as well as being the leader and redeem points, visit in transportation between Mexico and the United States. www.ammicanexpress. Frecuenta Members enjoy access to executive lounges, easy com/rewards or can 1.800-AXP-EARN accrual and redemption of miles and wide connection (297-3276). possibilities. Celebrate 84 years of excellence with Mexicana (MR Message 1514) and get away from the cold this winter season. Moro all COWOOlitt d the MoTbersho Rough woven wolf. Fa mote themalicn. vu uvertomerkonexprosoconVrawanIs. 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. EFTA01704493 DUPLICATE COPY mi d Fo Atcounl Number Closiv Dale Page 7 of 8 X)00000a 01/11/06 a ...CustomExtras- 2005 Year-End Summary - Coming Soon! When available online, you can access it by Your 2005 Year-End Summary will soon be available online. It visiting provides a detailed report of all charges billed to your account during wenv.americanexpress. the year, and is organized into expense categories that help make tax com/yearendsummary. preparation, as well as personal money management, much more (CE 106751) efficient. Merchant charges processed and posted to your account after 12/31/2005 will appear on next year's summary. The Online Summary offers simple navigation that allows you to view charges by merchant name, date, or charge amount, download, print and save your Year-End Summary for future use, and much more. Your 2005 Year-End Summary will be available after February 10, 2006. Special Amenities with the Fine Hotels & Resorts Program Reserve your Fine Hotels & Resorts Program The 2006 Fine Hotels & Resorts Program otters you an exclusive array accommodations through of personal courtesies at over 500 of the world's finest properties. As PTS today by calling a guest at any participating hotel or resort, enjoy preferential 1.800-443.7672. treatment and the following complimentary amenities exclusive for (CE 106765) Platinum Card® members when you book through PTS: room upgrade upon arrival (based on availability), daily complimentary continental breakfast for two, 4:00pm late checkout, plus an additional amenity specific to each property. Program terms and conditions apply. For full program information, visit www.amerIcanexpress.com/platinum. Exclusive Benefits at Equinox Fitness Clubs For more information, cal 212-774-8376 or go to Purchase your Equinox membership or pay your club dues with your wvny.equInoxfItness. Card and you'll enjoy a host of benefits and ongoing amenities corn. available only to Platinum Cards members. As a new member of Equinox, you'll receive a complimentary fitness evaluation, five (CE 106764) 'GARDE/618ES BENEFITS personal training sessions, a massage, guest passes and more. Current members can take advantage of 2 personal training sessions with the purchase of a package, plus coupons for valuable savings at The Shop. Equinox Fitness clubs are located in New York, Connecticut, California, Chicago, and Florida. Program terms and conditions apply. 30% Off Vacations at SnapTravelscom/americanexpress Get 30% off when you book a vacation and pay There's a new universe of family-friendly vacations out there for you to with the Card. To boolc2 a discover. From Orlando to the Caribbean, skiing to golfing, we are for more information, visit proud to offer you--powered by Snap Travel--spacious and luxurious vnwtsnaptravel.com/ accommodations. So, if you're looking for something beyond what americanexpress or call 1-866-844-2015 today. you think of when you think of family vacations, let American Express and Snap Travel take you there. (CE 106755) Subject to availability. Advance reservations required. Snap Travel is offered by RCI Holiday Network, Inc., an Indiana licensed real estate salesperson, whose principal broker is John Lawrence Hertweck. Snap Travel is a service mark licensed to such licensee. All Rights Reserved. Each Office is Independently Owned and Operated Travel Medical Protection - Travel with Peace of Mind There are some things you can't pack in a Travel Medical Protection, offered exclusively to American Expresso suitcase, like adequate Cardmembers, provides insurance coverage for up to $100,000 for insurance. So, travel with eligible expenses related to evacuations and medical and dental peace of mind! To learn emergencies, while on a Covered Trip traveling anywhere in the more about the coverage or how you can enroll world, when more than 150 mile radius from Your Permanent yourself and your loved Residence for up to 45* days whether driving, flying on a Scheduled ones, call 1.800.297.2900 Airline or taking the Amtrak. and mention RSVP code Travel Medical Protection is underwritten %yr AMEX Assurance Company, Administrative MKU. office, De Pere, Wisconsin. Coverage is su • ct to the terms, conditions, and exclusions of (CE 106768) Master Policies: (varies per state) AX0950, X0916, AX0124 or Policy Form Number TMP-IND and is subject to change with notice. 'In most states. 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. EFTA01704494 DUPLICATE COPY Amount NuTber Page 8 of 8 )OOO(-)OO(a Will Your Auto Insurance Company Be There for You? Call 1.800-842.3344 today and be sure to mention Ameriprise Auto & Home Insurance is there for our clients. Our reference code 1N9 to underwriters have received an "A" (Excellent) rating by A.M. Best, the receive your quick, leading independent rater of insurance companies. This rating attests no-obligation quote. Or, if to our financial strength, stability and soundness of operating you prefer, visit Ameriprise vniinv.amenprise.comi AssioLlkoanstrreare performance. In other words, we'll be there when you need us. autohome to get your Besides great service, Ameriprise Auto & Home Insurance offers very quote. competitive prices. In fact, you could save up to $200. Call now to see how much you could save. (CE 106747) Auto & Home Insurance Is underwritten by AMEX Assurance Company or IDS Property Casualty Insurance Company, De Pere, WI. Both companies are wholly owned subsidiaries of Amenprise Financial, Inc., independent of American Express. Discover a New Degree of Pleasure To take advantage of this exclusive American You are invited to discover the par-excellence, premier hotel spa Express offer, please visit experience. From Napa to Paris, the ultimate mind/body connections www.preferredhotele. are being served at Preferred Hotels & Resorts. A signature spa corNspa n or ll 1-800...V3-ja7500.ca treatment, unique to the local property, as well as a welcome amenity await you, as our gift when you make an I Prefer Spa package (CE 106756) reservation and pay with your American Expresso Card. I Prefer Spa is valid January 1-December 31, 2006, at participating Preferred Hotels & Resorts. Signature amenity is unique to each hotel and valued at $50 U.S. Or local Currency equivalent. Rates are subject to availability and are exclusive of local taxes and service charges. Reservations must be guaranteed and settled with an American Express* Card. Offer cannothe combined with any other offer. Blackout dates and other restrictions may apply. Void where prohibited. ©2005 Preferred Hotel Group. Sign Up For American Express Alerts To sign up for Alerts, visit www.amedcanexpress. Be notified automatically by e-mail or on your wireless device when com/aterts. there's important news regarding your Card account. Sign up to receive helpful Alerts. You can decide to know immediately when a (CE 106816) CARDMEMBER payment is due, a payment is received, your balance is updated, your BENEFITS Card account experiences irregular account activity,.and if you're approaching your credit or spending limit. Enroll in Alerts now at www.americanexpress.com/alerts. Pay Your Bill Easily • Online Sign up today at www.amedcanexpress. Manage your American Expresso account payments on your comlpaycardbill. schedule. Pay immediately or schedule a future payment. You can pay it online, anytime you have Internet access. Just enroll to Pay By (CE 106815) Computer. It's the most convenient way to pay your bill and avoid a late fee. Once it's paid, you'll get instant confirmation. Plus, you can set up helpful Alerts. Enroll now at www.americanexpress.com/ paycardbill. Extend Your Warranty! For more information, visit us online at Suddenly, your cell phone stops working only days after the iwnv.amertcanexpress. manufacturer's warranty has expired. Easily fixed. With the Buyer's com/ba. Assurance Plan, if you purchase a covered item entirely with your American Expresso Card, the terms of the warranty are extended for (CE 106817) up to one additional year on warranties of five years or less that are eligible in the U.S. Buyers Assurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, condtions, and exclusions of Policy AX0953 and is subject to change with notice. This document does not supplement or replace the Policy. 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. EFTA01704495 DUPLICATE COPY Platinum Card® hinliti‘igrA Rewards° Statement of Account a0161/06; ges are pa,d '1 in, Clateo Dee mlinwelgosimsvplffianx 02/10/06 Pace1 of 10 Now Chomps$ (mJImmo CU,90 Mw &din* $ MlMmem Please Pay By P.evvour. earn. $ PaymanIsCierls d any) Amount Duet 03/07/06 Due in Full 938.19 -938.19 +1,258.43 1,258.43 +1,258.43 Please refer to page 5 on How to Avoid Flexible 0.00 -1,687.07 +2,966.82 +1,279.75 +26.00 Addtional Finance Total 938.19 -2,625.26 +4,225.25 =2,538.18 1,284.43 Charges. Please refer to page 2 for important information regarding your account Terms - Payable in full upon receipt of statement. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. For automatic replacement of a lost, stolen, non-received or damaged card, call 1-800-992-3404. For automatic balance information, please call 1-800-525-3355 and press option 1.1. For assistance or questions about your account, contact us at www.americanexpress.com or call Customer Service at 1-800-525-3355. Luxury Suites & Premium Tickets Available Going to the STAPLES Center' for a professional hockey or basketball event? Make sure to stop by the new Platinum Lounge from American Express, located on the Premier Level at the STAPLES Center in Los Angeles. Access to this level is reserved only for those with Premier Seats but now Platinum Card® members have access to this exclusive Lounge regardless of the type of ticket you are holding. Simply show your ticket for that event and your Platinum Card for entry, so you can watch the action in a more relaxed setting. For Premium tickets or more information, call 1.800-321-RSVP (7787), (8arn-11pm EST, seven days a week). Full terms and conditions apply. Activity bk.«.p,strgd.i. Card Transactions for PAYMENT F3ECEIVED• THANKYOU 01/12/06 FLIPCLIPS 3103087540 CA 43.74 BOOKS,PER1ODICALS,&N 01/12/06 FUPCUPS 3103087540 CA 11.29 BOOKS,PERIODICALS,&N Pkaso 1215 cathoporl:ration boon, &oath ant totem vith yam parlor., Cortlnued on Page 3 Payment Coupon Account Nurba Please Pay By: Please enter account 03/07/06 number on all checks and correspondence. Payable in US toners upon receipt Total New Balance with a bank in the US or $ 2,538.18 money order, processable through the US banking Minimum Amount Due system. To Pay by Phone, call 1.800- I-PAY-AXP or $1,284.43 1-800.472-9297. MeirST Please refer to Page 5 Y 10021 -6217 on How to Avoid Additional Finance Charges. WAWA.....WAM1111.1.111 H HI1O-11.1.1.31.1.11.. I III H H • Check here if address or Amount enclosed telephone number has changes. Note changes on Mail Payment to: reverse side. AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 EFTA01704496 DUPLICATE COPY s ACCOiri MEOW n •Ca• Page 2 of 10 Payments: Payments received after 12:00 noon may not be *wled unbl the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system, or through an electronic payment method payable in US dollars and clearable through the US banking system. Your Account number must be included on all payments. If To Pay By Phone payment does not conform to these requirements, crediting may be delayed and additional Charges may be imposed. If we 1.800.472.9297 accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US dollars, unless a particular rate is required by law. Please do not send post-dated checks. They will be Customer Service, Lost deposed upon receipt. Our acceptance of any payment marked with a restrictive legend will not operate as an accord and satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks or Stolen Card and all electronically, at first presentment and any re-presentments, by transmetng the amount of the check, routing number, other services account number and check serial number to your financial institution, unless the check is not processable electronically or a 1.800.525.3355 less costly process is available. By submitting a check for payment, you authorize us to initiate an electronic debit from your 24 hours/? days bank or asset account.When we processyour cheek electronically, your payment may be debited t0 your bank or asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your bank or Car Rental Loss and asset account statement. If we cannot coiled the funds electronically we may issue a draft against your bank or asset Damage Insurance account for the amount of the check Authorization for Electronic Payments: By using Pay By Compeer, Pay By Phone 1.800.338.1670 or any other electronic payment service of oursyou will be authorizing us to initiate an electronic debit to the financial account you specify in the amount you request. Payments received after 5:00 p.m. MST may riot be credited until the next clay. Allocation of Payments and Credits: Subject to applicable law, we will apply and allocate payments between your Hearing Impaired Card Account and your Sign & Travel ancVor Extended Payment Option Account (if that account has been activate (9am-5pm EST) ('Extended Payment Account') (referred to as 'Account' in the Sign & Travel and/or Extended Payment Option Agreement) TTY: 1-800-221-9950 and, within each of these accounts, to Charges in any order andmanner determined by us in our sole discretion. In most FAX: 1-800.695-9090 cases, if you have a credit balance on your Card Account we will not apply or allocate any part of that credit balance to In NY: 1-800-522-1897 any Extended Payment Account unless you Contact to at a time the erne balance exists and instruct us In writing how you want us to apply that credit balance. Charge Card and Statement information: The Annual fee is $395.OOcr the Basic Large Print and Braille Card and $175.00or each Additional Card. An additional $5 is charged forbaling addresses outside the US. Payment is due Statements on receipt of your statement. You may discontinue your membership by oontacting Customer Service. Transactions Mado 1.800.525.3355 In Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars cn the date It is processed by us or our agents. Unless a particular rate is required by applicab'e 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 Travel Emergency and than (a) the highest official conversion rate published by a government agency, sor Male highest interbank conversion rate Worldwide Personal identified by us from customary banking sources, on the conversion date or the prior business day, In each Instance Assistance and Fine Increased by 2%. This conversion rate may differ from rates in effect on the date of your charge. Charges converted by Dining establishments (such as airlines) will be billed at the rates such establishments use. Billing Rights Summary: 1.800.345-AMEX In Case of Errors or Questions About Your Bill: if you think your bill Is incorrect, or it you need more intonation about a transaction on your bill, write us on a separate sheet of paper at the Custcmer Senrice address noted to the right. Platinum Card Travel We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. In your letter, Service and Fine Hotels, give us the following information: 1. Your name and account number; 2. The dollar amount of the suspected error; Resorts & Spas 3. Describe why you believe there is an error. If you need more Information, describe the item you are unsure about. You de 1.800-443-7672 not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. Whie we investigate your question, we cannot report you as delinquent Of take any action to collect Platinum Card the amount you question. If you have authorized us to pay_your bill automaticaly from your checleng or savings account, you By Invitation Only can stop the payment on any amount you think is wrolv.To stop the payment your letter must reach us three businessdays 1.800.321-RSVP before the automatic payment Is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to coned the problem with the merchant, youmay,nothave to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or Withint00 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for. the property or services, all Rue-bases are covered regardless of amount or location of the purchase.) Credit Balance: If a credit balance (designated CR) is shown on this statement, a represents money Ovredt0 Wu. If yy00uudo not makesufficient chargn • Customer Service against the credit balance or request a refundr ime wit, within 30 days after expiration of the six-month period following the P.O. Box 7825 C.S date of the first statement indicating the credit balance, issue a check to you for the credit balance if the amount is $1.00 or Ft. Lauderdale, FL more. Important Notice to North Dakota Residents: If the Account is past due for two or more biting periods, 33329-7825 a late payment fee of 1.75%of alt past due amounts wal be added. Express Cash Operations P.O. Box 297815 Ft. Lauderdale, FL 33329.7815 Payments P.O. BOX 2855 NEW YORK NY 10116-2855 Change of Address • To change your address online, visit wwiw.amerIcanexpress.comiupdatecontactinfo omen on front don't use • 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 city, State to Cede Please provide y0ur Area Code and e-mail address to It,.. Phone receive important Area Cede and account updates and j Went Phase exclusive Cardmember Eirdi (Viand) offers ardbenefits. You mayvisi the American Express Privacy Statement at eninv.americanexpresscorniprivacy for more details and to set youremail preferences. EFTA01704497 EFTA01704498 OSJOAOJ (JO penu仰口凹 61.'926- 히！peA切引ua山人ed CV9g乙노 SODIB니3 IAOIj tu이;ov針lvi上 pico Jo I口40j 凹"9 4江 61"P9 伯a口004 VA＄크B ONVS30V기4 0Nt上V크 6va9 人N 거80人M크N 거vj.9 工그日 9G哈a口0 ＄긔닙0NI19后N0江비80＄카Jd 끄"09 人N >180人 M크NV1唯1V}4d 上듸IN크HO B크／吹0.L. 蜘/ o S괴BOSS크ooyn크Yvddv 사4 >180人 M카寸 4닙00 기V上크80104 （四口m 9 S＄크33V 1YNOSY크＄SN카Y 60"配 人N ）化0人 M크卜1 ＄引VCON叭的］ 日 90月 （ya) 380上＄014크叫＄的 人N >480人M크N上＄Hill今9以斗VU0Hd羽 얹)/SOR0 아68891弱하99g ‘아I 上） 工 드6'6 八fIn크Hd 크ONYBnSNI 크cv的V8 .9마PC째） Hf8dM的0月납0 巾6'g弓 기 COY이HO （刃" z끄880 씨 羽尼아a0 009 dli 80ge A크8'OOOd 크9VH크八弓a口004 人N 거80人 J나크N 0크NYSS크110크W 90/1口山 0091 . dli ea"08 0004 30VH크八크8/0004 ea% >1납0人 M크NUI1V上＄크BN毛8叭 YBIX크 9아9v10 씀， S /＼크日／0004 V上S크님 ONY S크Ovid ON江V크 田？9 人1寸 乂80人／나크N쏘引＄SY낭日 95크NYdVCN크 9여｛깁10 40HS 人BOSS크oovn크BVddY 人N >180人 M크N 011BYS V1198日 90/ ｛라10 0"1IAI 乂CV기8 J.NV4 크0크引크 00eSV/1d싸200 IBOHS .1크)I3(서 90크크］ 4 3029Y98 VV HSBS日0 0"1 SX 크시HM 거0크寸A 딥＄ 99比 W SSInLL VS 가V198 田 "9{ 人N >180人M카寸0?0-1카JYcIdY NV이8크卜W 9마L/L0 ＄긔七均＄＄크00W1크8Y44V 얹） 211 싸N 11YAIMSSOVJ. 크BY月UdOS NV크CNV 90/IVI0 0八＄后그＄ 0크0IN0zCflV IT寸 30018)18V41남0人M크N-31kLS 人NC$ 얹)/61/10 $8크iv크H上 크Un上이4 NOLLOY4 09"12 人N >180人M크1너卜1 카JYflOS N이NflYfl 9G勾1/10 ＄크801$ So曲 ONII서045 ］크8VddV后aooco세1804$ 6e'LLI 人N ）化0人 M3N 0吐크가4上VNOOYUV4 90/卜1/10 VJ$ H上］V크N 16十91 人N >180人M크N 크BYM人아J크N크 X0눼no크 9a巾1/10 S9-'VS 卜1"IS 人N NC터0Th 099 >180入M크N ＄人3N8V9 9아卜나10 POflU9U03 suoliotsutli =XXXX· 90/0 1./ZO XXXX 01 戶C e6a4 .1v0 口J匹C) flqu,N mmv 1Um 人dO0 크上vofldfla DUPLICATE COPY Paafl tArrOu Page 4 of 10 )000(-XXYJcX kocurt Nutria Flexible Payment Option Statement of Account XXXX-XXXa Creditor: American Express Centurion Bank Closing Dote 02/1=6 Thank you for using Flexible Payment Option. Account Minimum Payment Summary S Payment $ Due Date Previous Balance 0.00 26.00 03107i06 Payments/Credits -1,687.07 FINANCE CHARGE 0.00 New Charges 2,966.82 New Balance 1,279.75 Finance Charge Balance(s) to Which Average Daily Annual Daily Periodic Pease refer to page 5 Schedule Rate Applies Balance Percentage Rate Rate for important Information ALL $0.00 17.49 % .0479% regarding your Sign & Travel andfor Extended Certain of the periodic rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently In effect. Amounts o laignality for 02/01/(s com0urEftponilf1T.FiECEIVED - THANK YOU -1,000.00 0'/IE/C6 BARNEYS NEW YORK REF #99321640122719 -276 35 REF: CREDIT P9930170)077979 ($ 276.36) WO, YCP WAnN.POLO COM REF,p9p1319R2A079 -410.71;; REF: CREDIT It9S11.34(042\m rhAigi71) 01/14/06 BARNEYS NEW YORK 660 MADISON NY 276.36 SALES 01/15/06 TOD'S NEW YORK NY 243.85 11 GENERAL MDSE 01/15/06 POLO RETAIL CORP NEW YORK NY 1,246.31 GENERAL MERCHANDISE 01/17/06 •MTANYCT • . BROOKItYN NY 20.00 MVM METROCARD 01/28/06 OUVER PEOPLES . NEWYORK. NY 41724 OPTICAL GOODS 01/28/06 POLO RETAIL CORP NEW YORK NY 209.16 GENERAL MERCHANDISE 02/02/06 ORBITZ LLC MANKATO MN SOSO AMERICAN TRANS AIR From: To: Carrier: Class: LAGUARDIA INTL NP MIDWAY ARPT IL TZ HI DENVER CO F9 El ARDIA INTL NP F9 El Ticket Number: Date of Departure: 02/17 Passenger Name: Document Type: KET Total of S&T and/or ExPO Activity New Charges 2,966.82 Payments/Credits -1,687.07 Continued on next page EFTA01704499 DUPLICATE COPY Mee Anel Nunir omens Da Page 5of 10 )OOOcXXXX>a 02/10/06 Important Sign & Travel and/or Extended Payment Option Information Billing Inquiries Finance Charges: Average Daily Balance (ADO) Method for Calculation of Finance Charges (FC): We use the Customer Service ADB method to calculate FC on your Account. Under this method, we calculate the FC on your Account by applying the 1.800.5253355 Daily Periods Rote (DPR) to the ADB (as described below) (inducing current transactions). To get the ADB, we (1) (24 hours, toll free) take the begiming balance for each day (includng unpaid FC from previous billing periods), (2) add any new transactions, debris or fees, (3) subtract any payments or credits credited as of that day, and (4) make any appropriate Address adjustments. For each day after the first day of the billing period, we also add an amount of interest equal to the American Express previous days daily balance multiplied by the DPR. This gives us the daily balance for that day and the beginning Customer Service balance for the next day. If this balance is negative, It is consdered to be zero. Then, we add up all the daily balances P.O. Box 297807 for the billing period and divide the total by the number of days in the being period. This gives us the ADS. The ADS for a billing period will be considered zero it you paid the total New Balance, if any, shown on your previous tilling Ft. Lauderdale, FL statement by the Closing Date of the current billing period. If you multiply the ADB by the number of days in the tilling 33329.7807 period and the DPR, the result will be the FC assessed, except for vanations caused by rounding. This method of calculating the ADC and FO results in daily compounding of FC. The information on page 2 of your statement concerning Payments Authorization for Electronic Debit, Authorization for Electronic Payments, Allocation of Payments and Credits, Transactions Made in Foreign Currencies, Billing Rights Summary, Special Rule for Credit Card Purchase and Credit Balance alsoapplieStothis Account. Please Mach Am Travel Insurance Premium Refund Form If you have teen charged an insurance premium for one of thereasons listed on the back of this form, please 1) provide the information requested and2) checkthe reason for yourrefund. Attach additional pages if necessary. Please deduct the total premium refund from yourpayment and return this form with payment. In order to receive a refund you must fill out this form completely. Failure to do so may result In a delay in processing or a denial of your request. If you are claiming for an uninsured person you must indicate hisiher name on the back of the form. Vendor Name llcketiPental IkkeVRental Month Bleed No. or Premiums Program Premium Amount Total Amount Agreement No. : f$37ato'Iti .!Lii,...i,: if,::::RN -Airfughts:.00,440ii.i,ft. ,EWMP Eat Total No. of premiums re back of this form or attach additional pages for additional premium refund requests. Peas check the mason a /egad 0Na-rime aloe serves, charge Mecca baggage. 'Merely change. O thinaTed car rent& %thee Total RefLind Requested b Gnaw. arm* Refund. %wrecks cancettica a smother non-a transpcgam charge). (eg.cargoran or rnmagya) gee mars* see of yew card LIAn urinsurod casOn (Sanaa ore, hen Mate. you mouse. your OTwo or more premiumlanes Mr bras la explanaeong dependent eaten under roe 23'. or your Aclaranal Cadoenters same car genial. andFa Wages or depended. oaken war Me Mg. ❑ Carcelcd oar rental, • Fa NY makterds ova. was Ade it no show. ONmsecluckled ogre lagN O01Ime claws urgotatod loth* tessellates). actuator rental fog. gm). OCarcacci EICar tool in a secluded catty EFTA01704500 DUPLICATE COPY Accounl Nwitcr Page 6 Ct A PI >axx-xx)oce Enrollees are due a premium refund if premiums were charged for cancelled trips, uninsured persons (someone other than yourself, spouse, dependent children under age 23' or Additional Cardmembers, their spouses,or dependent children under age 231, itinerary changes, upgrading of class, non-schecfuted airline flights, excess baggage or any other non-air transportation charges. Enrollees are also due a premium refund if premiums were billed for a cancelled car rental or no show, an uninsured car rental vehicle, if two premiums were charged for the same car rental, or other charges unrelated to the actual car rental, if premiums were baled fora car rental in an exdudedcountry. ' For NY rondo= Orprdonle nudes 0* aged 19 zoom/ere:I IxAutomax Ftgalt Insurance. Uninsured Name Relationship to You Vendor Name LluniRental 'Ticket/Igen* blonth Biped norm Program Prem um Amount TOW Mw , Agreernent NO. . EFTA01704501 MembePAi9W&1Wrtls® Page 7 of 10 Monthly Statement and Program News Aster leas Express*, For questions about your Statement Perla— orroenr sir Membership Rewards account, contact January 1, 2006 - January 31, 2006 1-800-AXP-EARN (297-3276) Amount activity after this period does not appear on this statement P 1204 h www.americenexpress.com/rewards Available Points her American Express 133,902 Membership Rewards P.O. Box 297813 Points are available when charges are Earn Double Points for all Ft. Lauderdale, FL 33329-9785 pad in full and all your accounts are in Everyday Spend Points your Everyday Spend - good standing. earned this period: groceries, gas, pharmacy Available points include Everyday Spend Points. 84 Account Summary Opening points balance 130,275 New points earned +3,627 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance =133,902 New Points Earned 01/01/06 - 01/31/06 Points Activity On Everyday Spend Points Total Activity Eligible Charges Points A Bonuswarded P Card Pointser Platinum 3,543 84 0 3,627 )0000000(X Totals 3,543 84 0 3,627 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a Tee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms and Conditions in your Membership Rewards Guide. If you have questions, please visit umwamencenexpress.comirewards or call 1.800-AXP-EARN (297-3276). From overseas, call collect 305-816-2799. Important Change to Your Membership Rewards® Statement We have made an important improvement to your (MR Message 1039) Membership Rewards statement. Beginning this month, your Membership Rewards statement will reflect a more up-to-date point balance. As always, points are available when all linked accounts are in good standing and payment requirements are met. If you need more information regarding this change, please call us at 1-800-AXP-EARN (297-3276). Limited Time Offer - Earn a Delta SkyMilese Bonus Between 01/15/06 and 02/28/06 Fly somewhere you've always wanted to go! Earn a 10% To learn more about these Delta SkyMiles bonus when you transfer Membership rewards and redeem ADeka Rewards® points to your Delta SkyMiles account. You have a points, visit wthitamericanexpress. SkyMiles• world of ways to use your miles--bring friends and family, coin/rewards or call upgrade your flight from coach or redeem for an annual 1.800-AXP-EARN Crown Room Club membership. Register at www.delta. (2974276). com/membershlprewards or call 1-800-266-7077. Then, (MR Message 4091) transfer points at www.americanexpress.com/rewards or call 1.800-AXP-EARN (297-3276). Tema am/ soodfors cd Ms Memteratip Ramada pr ram arcit Al StrAtIos Program Mos agar. To I•YilW th• rola, Sat sivrtclelta.cantskymnos. Toreehmertams as] contdons 5r N6 promofran. %hut vAlvaslerta.cormtnemberstaprewards. 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. EFTA01704502 American Express* ICATE COPY Page 8 of 10 Earn Hundreds of Bonus Points For Buying and Selling a Home You can earn hundreds of bonus points when you buy, sell, Visit www.awardsfor finance and refinance your home or business, plus more mortgageandrealestate. comiametican-express or points for home warranty and van line moving services. All call 1-866-905-2600 today! lik far Mortgage loan applications or requests for services must be submitted 8. Real Estate. at www.awardsformortgagoandrealostatesoom/ (MR Bonus ID 8299) amerIcan-express or 1.866-905.2600. Restrictions apply, visit website for complete terms and conditions. Me veld 9200517/3I/03 Ice kenNateationa to be entmtted. teal &ANN me taineetiento lo be Witted. and bt etch new keno warranty plan purchased Ord peid Ix In ML To oath bans p*b, you must to eVeled in the Marberstip listexts0 program Stet:no at lbe torop:doxl tranuoten ard steeklo an eligible. MOW Anterian Saxton* Card. Soma poata ve.1be oredted to year azonunt 10-12 week, eaten carpeted Isenmaron. Genus ID:8299 New - Reward Yourself with Cole Haan Now you can redeem Membership Rewards® points for Cole For store locations, visit Haan Gift Cards. Cole Haan celebrates the best of American www.colehaan.com or call 1-800-201-8001. style and luxury. Each season Cole Haan shoes, accessories and coats are inspired by a passion for beauty and artisan (MR Message 8133) detail. The Cole can Gift Card is valid at all Cole Haan stores and online at www.colehaan.com. Fly to Any One of 49 Destinations with AirTran Airways! AirTran Airways operates over 500 flights daily to 49 To learn more about those destinations. They have America's youngest Boeing fleet and rewards and redeem points, visit over 6,700 friendly, professional crew members. AirTran www.amorIcanexpross. airways is also the first carrier to install XM satellite radio on a comfrewards or call commercial aircraft and to offer affordable Business Class on 1.800-AXP-EARN every flight. Redeem 1,500 Membership Rewards. points for (297-3276). 1 A+ Rewards credit. It takes only 8 credits to earn a (MR Message 6488) one-way coach ticket. That's only 12,000 Membership Rewards points. Tenn and Ceodlian d Ito Merberstip Pewanis govern apply. Fa mae inkana ion, vint WWW.ellielidieeXpleetC0111treWetdS. Get 50% Off The New York Times & Earn 500 Bonus Points Sign up for home delivery of The New York Times with your Visit www.nytimes.comi American Express. Card and earn 500 bonus points. Plus, amexoffer or call 1-888- 7-NYT-YES to subscribe tbacts Pork eats you'll save 50% off the regular home delivery rate for the first and take advantage of this twelve weeks. Explore everything The Times offers: timely rewarding offer today. business insights, provocative Op-Ed columns, restaurant/ Earn 500 bonus points and book reviews and more--all at exceptional savings! 50% off regular rates for home delivery of Vold 7/I/0393009 in The Now York Tunes Deroory Sono» area onfy, to madam No how not had hone vanii 90 days. Not veld Ice Sunday Oaf Wasesbano. To ern hoes ON, lam must be The New York Trams! sutearipton (MR Bonus ID 7368) dot.ery pad anrcilod in :ha itatkorshp Rawank proarat at the Om d pacts* and you must charthocif to an ache, medal Arearoan &Noss Cad. SaVeay.ill ceolnuo attx intro:Nen at copier ha= detvcry•a!ra ard Card wit to c ..l in advancer ovary £works unkas you cancels Om Sena post vell bo crodled to your kl islip Rowatde aocaJnI watin 68 woola Nor Nano; xfax on year lating =tamed. Bonn ID 73N. 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. EFTA01704503 DUPLICATE COPY Cloav Page 9 of 10 101 ACCOili NIallbef XXXX-)000a 02./10/06 CustontExtrar ce e Gold Card Events: Great Seats to Great Shows! For more information on shows and events, please If you need three good reasons to make Gold Card Events your visit www.amedcan source for great entertainment--how about great seats, early access, express.comigce. and unique experiences? Don't miss out on some of the hottest Broadway shows, concerts, sporting, and family events. And to keep (CE 106882) you ahead of all the action, sign up for weekly e-mail updates. Imagine, the hottest entertainment news delivered right to your inbox every week. Visit us today at www.americanoxpross.com/gce to enroll. Planning Travel? Veit WIN%V.americanexpress If you will be traveling soon, consult the new Global Assist's com/ga to start preparing Destination website, which provides a quick and easy way to get for your trip! information on 240 countries. Access all the information you need before you go, such as weather reports, currency exchange rates, (CE 106881) U.S. Embassy locations, and more! And remember--when you're traveling more than 100 miles from home and need emergency financial, medical or legal assistance, the Global Assist Hotline* Is available 24/7--just for you. 'While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers. Your 2005 Year-End Summary of Charges Online You may access your Year-End Summary by Your 2005 Year-End Summary should now be available online. It visiting www.amerIcan provides a detailed report of all charges billed to your account during express.convyes2005. the year, and is organized into expense categories that help make tax preparation, as well as personal money management, much more (CE 106883) CAR)/AEMBE3 BENEF:TS.• :•• efficient. Merchant charges processed and posted to your account after 12/31/2005 will appear on next year's summary. The Online Summary offers simple navigation that allows you to view charges by merchant name, date, or charge amount, download, print and save your Year-End Summary for future use, and much more. Imagine a Good Thing - Only Better Visit www.mylitemycard.coms That's what American Express is doing when it comes to family familyvacatIon for great vacations. We're adding something a little extra by offering you more travel otters. than just great travel deals. From car rental upgrades to restaurant rebates, American Express wants to help make your family trip even (CE 106923) more special. Visit www.mylifemycard.comifamilyvacation for great travel offers. Free Guide for Cardmembers from Ameriprise Financial To order your free guide, call ArrionprGe Financial At Ameriprise Financial we're here to help Cardmembers achieve their at 1.800.552-0109 or financial success.That's why we would like to offer you our Smart visit our website at Money Management Workbook--free with no obligation. The www.ameriptise.com. workbook is filled with easy-to-understand information about reducing (CE 106871) Mitt Mtheft your taxes, planning for college, balancing risk and investment, and Ameriprise determining your net worth. financial Brokerage, investments and financial advisory services we made available through Ameriprise Financial Services, Inc. Member NASD and SIPC an Ameriprise Financial company. Ameripnse FInandal Services is no longer owned by the American Express Company. °2006 Ameriprise Financial, Inc. All Rights Reserved. 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. EFTA01704504 DUPLICATE COPY Pr Fa ACcard Nuirtar X X XX -)000a Page 10 of 10 Travel Medical Protection - Travel with Peace of Mind There are some things Travel Medical Protection, offered exclusively to American Express® you can't pack in a suitcase, like adequate Cardmembers, provides insurance coverage for up to $100,000 for insurance. So travel with eligible expenses related to evacuations and medical and dental peace of mine To learn emergencies, while on a Covered Trip traveling anywhere in the more about the coverage 4 or how you can enroll INSURA world, when more than 150 mile radius from Your Permanent yourself and your loved Residence for up to 45 days* whether driving, flying on a Scheduled ones, cat-800497-2900 Airline or taking the Amtrak. and mention RSVP code Travel Medical Protection is underwritten by AMEX Assurance Company, Administrative NMJ. office, De Pere, Wisconsin. Coverage is subject to the terms, conditions, and exclusions of (CE 106937) Master Policies: (varies per slate) AX0950, AX0916, AX0124 or Policy Form Number TMP-IND and is subject to change with notice. 'In most stales. Now Accepting American Express® Cards! If there are other places ADT® - A single ADT system can help protect your life and property where you would like to see the Card accepted, from burglary, fire, carbon monoxide and more. Call please call the Customer 1-800-ADT-ASAP or visit www.adt.com today. Service number that is located at the top of your Burger King® - Buy your next Whopper sandwich with the American statement or the number that is on the back of your Express Card. Have It Your Way® means Pay It Your Way® at Card. participating restaurants. Go to www.bk.com. (CE 106847) HQ - NY Bistro in the heart of Soho serving Brunch, Lunch, and Dinner is accepting Valentine's reservations. 90 Thompson St. New York City. 212-966-2766. Fraud Protection Guarantee To learn more, visit When you use the American Express@ Card online or off, you won't tiwnv.americanexpress. aCARDMEN1BtR BEPIEFITS be responsible for any unauthorized charges. Period. No fine print, no deductible--just pure protection, so you can shop with confidence anywhere on the Internet or in shops. Should any fraudulent charges appear on your statement, simply notify us at the number.on the back com/fraudprotectIon guarantee. (CE 106961) of your Card. Identity Theft Assistance from American Express For more information, visit No matter how careful you are, identity theft can happen to you. But us online at vAvw.americanexpress. here's the good news. With Identity Theft Assistance, we have com/Idtheft. representatives on call when you need them--24/7—in case the unexpected does happen. We can help determine if you are a victim (CE 106963) CARDMEMBER BEUEFITS of identity theft, recommend steps for recovery, and offer tips on how to protect yourself in the future. On request we'll also send you a comprehensive package designed to further help you navigate the recovery process. Should you discover that somebody is using your identity online or in shops, you can turn to American Express for help. And more good news--as a valued Cardmember, you automatically receive Identity Theft Assistance, free of charge. 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. EFTA01704505 DUPLICATE COPY >•:•.„ ;• Platinum Card® MembershipRewards®• Available • Statement of Account at;02/28/06,whencharges due are paid in Mtc#051 all P9C(Wnt 419!P%9C9d ariqr1C1:: ciosimoms 03/12/06 Pagel 0110 New Ch4ppe% $ Prevaa Salem $ Par:len:It-mks $ (roe. Ford= 1191%Wg0 tiny) New Bette $ Minimum Amount DUOS Please Pay By 04/06/08 Due in Full 1,258.43 -1,284.52 +1,071.12 1,045.03 +1,045.03 Please refer to page 4 Flexible +1,279.75 -1,279.75 +2,079.67 +2,079.67 +42.00 on How to Avoid Additional Finance Total 2,538.18 -2,564.27 +3,150.79 =3,124.70 1,087.03 Charges. Please refer to page 2 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 Terms - Payable in full upon receipt of statement. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. For automatic replacement of a lost, stolen, non-received or damaged card, call 1-800-992-3404. For automatic balance information, please call 1-800-525-3355 and press option 1-1. For assistance or questions about your account, contact us at www.amerlcanexpress.com or call Customer Service at 1-800-525-3355. Activity frd`senc'Erns Amount, Card Trasfions for 02./16/C6' 2,538.18 CHKLESS PyMT RECV- THANK ypfl 1,279.7; APPLIED TO SION & TRAVELTExPet 03/08/C6' BLOOM! NGDA LES NEV/YORK- NY'. 012423683 MENS SEASONAL ACCESS < . 0J14106 LE SABON NY NY 52.14 MISC 02/14/06 FAUCHON INC NEW YORK NY 65.03 GENERAL MDSE 02/14/06 POLO RETAIL CORP NEW YORK NY 101.24 APPAREUACCESSORIES 02/16/06 SUREFOOT NYC NEW YORK NY 67.80 SHOES 4 Pleas lold tettemimeo° baby. dash sod return %WI ycurparnent Continued on Page 0 Payment Coupon Please Pay By: Please enter account 04/06/06 number on all checks and correspondence. Payable in US Dollars upon receipt Total New Balance with a bank in the US or $ 3,124.70 money order, processable through the US banking Minimum Amount Due system. To Pay by Phone, $1,087.03 call 1-800- I-PAY-AXP or 1-800-472-9297. Please refer to Page 4 NEW YORK NY 1002 1 -621 7 on How to Avoid Additional Finance Charges. • I Check hem If address or Amount enclosed telephone number has changes. Note changes on Mail Payment to: reverse side. AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 I,,,lIll EFTA01704506 DUPLICATE COPY Page 2 of 10 rx txtdoca Payments: Payments received after 12:00 noon may not be credited tutu the next day. Payments must be sent to the payment address shown on your statement and must include the remittance cou_pon from your statement. Payments must be made with a single check or draft drawn on a US bank and payable In US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system, or through an electronic payment method payable in US dollars and datable through the US banking system. Your Account number must be mduded on al payments. If To Pay By Phone payment does not conform to these requirements, crediting may be delayed and additional Charges may be imposed. If we 1.800.472.9297 accept payment made in a foreign currency, we will choose a conversion rate that is a able to us to convert your payment into US dollars, unless a particular rate is required by law. Please do not send -dated theca. They will be Customer Service, Lost deposited upon reoeipt. Our acceptance of any payment marked with a restrictive legend will not operate as an accord and satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks or Stolen Card and all electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, other services account number and check serial number to your financial institution, unless the check is not prccessable electronically or a 1.800-525-3355 less costly process is available. By submitting a check for payment you authorize us to initiate an electronic debit from your 24 hours/? days bank or asset account. When we process your check electronically, your payment may be debited to your bank or asset account as soon as the same day we receive your checft, and you will not receive that cancelled check with your bank or Car Rental Loss and asset account statement. If wo cannot collect the funds electronically we may issue a draft against your bank or asset Damage Insurance account for the amount of the check. Authorization for Electronic Payments: By using PayBy Computer, Pay By Phone 1-800.338.1670 or any other electronic payment service of ours you will be authorizing us to initiate an electronic debit to the financial account you specify in the amount you request. Payments received after 5:00 p.m. MST may not be credited until the next day. Allocation of Payments and Credits: Subject to applicable law we will apply and allocate payments between your Hearing Impaired Card Account and your Sign & Travel and/or Extended Payment Option Account (if that account has been actival (9am-5pm EST) ("Extended Payment Account" (referred to as "Account" in the Sign & Travel and/or Extended Payment Option Agreement TTY: 1-800.221.9950 and, within each of these accounts, to Charges In any order and manner determined by us in our sole discretion. In m FAX: 1.800-695-9090 cases, if you have a credit balance on your Card Account we will not apply or allocate any part of that credit balance to In NY: 1-800-522-1897 any Extended Payment Account unless you contact us at a time the credithalance exists and instruct us in writing how you want us to mpy that credit balance. Charge Card and Statement Information: The Annual fee is $395.000r the Basic Large Print and Braille Card and S7t0rfor each Additional Card. An additional $5 is charged for billing addresses outside the US. Payment is due Statements on receipt of yourstatement. You may disoantinue your membership by contacting Customer Service. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it wit: be converted into US dollars on the date 1.800-525.3355 k is processed by us or our agents. Unless a particular rate is required by appkable 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 foregn currency is no greater Travel Emergency and than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate Worldwide Personal identified by us from customary banking sources, on the conversion date or the prior busness day, In each instance Assistance and Fine increased by 2%. This conversion rate may differ from rates in effect on the date of your charge. Charges converted by Dining establishments (such as airlines) will be billed at the rates such establishments use. Billing Rights Summary: 1-800445-AMEX In Case of Errors or Questions About Your Bill: If you think your till is incorrect or if you need more information about a transaction on your bit, write us on a separate sheet of paper at the Customer Service address noted to the right. Platinum Card Travel We must hear from you no later than 60 days after we sent you the first bit on which the error or problem appeared. You can Service and Fine Hotele, telephone us at the number indicated on the front of this statement, but doing so w.11 not preserve your rights. In your letter, give us the following informaton: 1. Your name and account number; 7. The defer amount of the suspected error; Resorts & Spas 3. Describe why you believe there is an error. If you need more information, describe the item you are unsure about. You do 1-800.443.7672 not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect Platinum Card the amount you question. If you have authorized us to par your bill automatically from your checking or savings account, you By Invitation Only can stop the payment on any amount you think is wrong. To stopthe payment your letter must reach us three business days 1-800-321-RSVP before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goodserseryioes. You have this protection billy when the purchase price was more than $50 and the purchase was made in your homd state or Within 100 miles of your mailing address. (If we own or operatethe merchant, or if we mailed you the advertisement for the property or services, all. purchases are covered regardless of amount or location of the purchase.) Credit Balance: If a credit Customer Service balance (designated CR) is shown on this statement, it represents money owed to you. If you do not make sufficient charges P.O. Box 7825 C.S against the credit balance cr request a refund, we will, within 30 days after expiration of the six-month period following the Lauderdale, FL date of the first statement indcaling the credit balance, issue a check to you for the credit balance if the amount is $1.00 or Ft. more. Important Notice to North Dakota Residents: If the Account is past due for two or more billing periods, 33329.7825 a late payment fee of 1.75%of all past duo amounts will be added. Express Cash Operations P.O. Box 297815 Ft. Lauderdale, FL 33329-7815 Payments P.O. BOX 2855 NEW YORK NY 10116-2855 Change of Address • To change your address online, visit wvntamericanexpress.com/updatecontactinfo IImewl on front • For Name 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 Address Cry. State tp Coda Please provide your Area Code end e-mail address to Harr. Phone receive important Area Cale and immunl account updates and Work Pi m, exclusive Cardmember Email (optional) offers and benefits. You may visit the American Express Privacy Statement at vrww.americanexpress.conSivaty for more details and to set ycuremal preferences. EFTA01704507 DUPLICATE COPY Accart hastber Page 3 of 10 lam XXXX-XXXX) 03/12/06 Amount Transactions Continued 02/20/06 VAIL SPORTS 702 VAIL CO 33.06 SPORTING GOODS STORE 02/20/06 CME/RE/PREMIER 800-5256363 CO 136.00 DIRECT MARKETER 02/21/06 VAIL SPORTS 702 VAIL CO 116.23 SPORTING GOODS STORE 02/23/06 EQUINOX COLUMBUS C 212-881.0425 NY 150.00 HEALTH SPA 02/23/06 PEPI SPORTS VAIL CO 146.34 SPORTING GOODS/EQUIP 03/05/06 TOWER CHEMIST PHARMANEW YORK NY 41.28 PRESCRIPTIONS/SUNDRIES 03/09/06 TELECHARGE SVCE NEW YORK NY 155.50 TICKETS/RESERVATION/ETC 03R WO6 PAY 1040 SERVICE FEE8813-PAY-1040 DC 6.50 TAX PAYMENTS Total of Card Transactions New Charges 1,071.12 Payments/Credlts -1,284.52 Flexible Payment Option Statement of Account Account Mortar XXXX-X>00a Creditor: American Express Centurion Bank itu Date 03/12M6 Thank you for using Flexible Payment Option. Account Minimum Payment Summary $ Payment $ Due Date Previous Balance 1,279.75 42.00 04;06/06 Payments/Credls -1,279.75 FINANCE CHARGE 0.00 New Charges 2,079.67 New Balance 2,079.67 Finance Charge Balance(s) to Which Average Daily Annual Daily Periodic Please refer to page 4 Schedule Rate Applies Balance Percentage Rate Rate for important information ALL $0.00 17.49 % .0479% regarding your Sign & Travel and/or Extended Certain of the periodic rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. S&T and/111O Activity for Amounts 02/16/06 comi:!,pitaPAYMENT RECLityEp.- THARIS)211 02/10/06 ROCKY MOUNTAIN RESORKEYSTONE CO 114.14 RESERVATION SERVICES 02/15/06 MTA NYCT BROOKLYN NY 10.00 MVM METROCARD 02/16/06 POLO RETAIL CORP NEW YORK NY 211.58 APPAREUACCESSORIES 02/17/06 AIRPORT CAR SERVICE UTTLETON CO 450.00 TRANSPORTATION SERVICES 02/18/06 BEAVER CK SPORTS 751AVON CO 164.47 SPORTING GOODS STORE 02/22/06 ALLEGRIA SPA EW RESOAVON CO 22657 HEALTH AND BEAUTY SPAS 02/21/06 AU.EGRIA SPA EW RESOAVON CO 147.60 HEALTH AND BEAUTY SPAS 02/23/06 FRONTIER AIRLINES ODEWER CO 8.00 MOTION PICTURE THEATRE Continued on taverse EFTA01704508 DUPLICATE COPY Nurser Page 4 of 10 Al1101.1fit$ S&T and/or ExPO Activity Continued 03/07/06 SEARLE NEW YORK NY 496.36 WOMEN'S READY-TO-WEAR 03/10/05 US TREASURY TAX PYNIT885-PAY-1040 DC 260.95 TAX PAYMENTS Total of S&T and/or ExPO Activity New Charges 2,079.67 Payments/Credits 4,279.76 Important Sign & Travel and/or Extended Payment Option Information Billing Inquiries Finance Charges: Average Daily Balance (ADB) Method for Calculation of Finance Charges (FC): We use the Customer Service ADB method to calculate FC on ycur Account. Under this method, we calculate the FC on your Account by applying the 1.800.525.3355 Daily Period° Rate (DPR) to the ADB (as described below) (including current transactions). To get the ADB, we (1) (24 hours, toll free) take the beginning balance for each day (including unpad FC from previous billing periods), (2) add any new transactions, debits or fees, (3) subtract any payments or aeons credited as of that day, and (4) make any appropriate Austments. For each day after the first day of the bilking period, we also add an amount of interest equal to the Address American Express previous dare daily balance multiplied by the DPP. This gives us the daily balance for that day and the beginning Customer Service balance for the next day. If this balance is negative, it is considered to be zero. Theriot/a add up all the daily balances P.O. Box 297807 for the Ming period and divide the total by the number of days in the billing period. lit gives us the ADB. The ADB for a billing penod will be considered zero if you paid the total New Balance, if any, shown on your previous billing Ft. Lauderdale, FL statement by the Closing Date of the current billing period. If you multiply the ADB by the number of days in the billing 33329.7807 period and the DPR, the result will be the FC assessed, except for variations caused by rounding. This method of tabulating the ADB and FC results in daily compounding of FO. The information on page 2 of your statement concerning Payments, Authorization for Electronic Debit, Authorization for Electronic Payments, Allocation of Payments and Credits, Transactions Made In Foreign Currencies, Billing Rights Summary, Special Rule for Credit Card Purchase and Credit Balance also apples tothis Account. EFTA01704509 membePAIFirgiMiis° Page 5 of 10 Monthly Statement and Program News A wieriCa n Express• For questions about your Statement Period eeyaLe. it sills Membership Rewards account, contact February 1, 2006 - February 28, 2006 1-800-AXP-EARN (297-3276) Account activity after this period does not appear on this statement I t/ i EWA IIPI wyny.americanexpressoom/rewards Available Points American Express 137,480 Membership Rewards P.O. Box 297813 Points are available when chrges are Earn Double Points for all Ft. Lauderdale, FL 33329-9785 paid in full and all your accounts are in Everyday Spend Points your Everyday Spend - good standrg. earned this period: groceries, gas, pharmacy Available points include Everyday Spend Points. 51 Account Summary Opening points balance 133,902 New points earned +3,578 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance =137,480 New Points Earned 02631/06 • 02/28/06 Points Activity On Everyday Spend Bonus Points Total Points Activity Eligible Charges Points Awarded Per Card Platinum 3,527 51 0 3,578 )000(-)00o0( Totals 3,527 51 0 3,578 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Tema and Conditions in your Membershtp Rewards Guide. If you have questions, please visit wirnv.americanexpress.com/rewards or call 1.800•AXP-EARN (297-3276). From overseas, call collect 305-816.2799. Earn Double Membership Rewards® Points at Creative Playthings a Recognized for superior quality and value, Creative For the nearest store, Playthings has over half a century of experience in crafting visit I.:5 at www.creativeplaythings. wooden swing sets and other family-oriented products for civntrifir 'CastingPun Since IOW thousands of families. corn/amex or call 1.800-247.9464. Swing Sets • Play Houses • Trampolines • Basketball (MR Bonus ID 0526) Systems • Hot Tubs • Billiards & Games Oner yea warp 5/31g6. To be eight So can bonus peak youmutt be dead in Ihe Maturate Rewarcie program a the taw d purchase and rumen d' yore purchese one eight weed Anwain Enemata Cad. Bonus aids a be dialed le pa hisertestip Rewords secant wain 6-6 wake our Wm Co your hag sant Oreale Pat are tellable d paelnparg stores arly. Bonus ID: 0526. Switch to EarthLink® - Earn 3,000 Bonus Points! Earn 3,000 Membership Rewards® points when you sign up Call 1-866-748-7902 or for EarthLink's DSL, Cable, or Dial-Up Internet service. Enjoy visit www.earthlink.net/ terEartiaink partnersramxistmt to sign w.revolve around yew. powerful tools like AntiVirus, Firewall, and Spam Blocker. u . Have your American You'll get all the benefits of EarthLink's safe and secure Card and Internet service, PLUS, add thousands of points to your EarthLink offer code (DSL- Membership Rewards account. 1024883: Cable-1024M: Dial Up-I024481) handy Old vaid 10/I005- place ort when you arra trough UK cc phone norrter nod al:0103rd FsWile when you sign up. twit neer coda. Fist lira a rap/lab ligihspeed =reran ably. One toed ad per caMmoreta unite emit ng lo Wyatt To earn taw porn. you Mahe moiled ht.. Mentorshp &ware.; (MR Bonus ID 6198) pagan at lee line d egn tp end digs our matt loot on en Mgt* eddied Amman EweseD Cat. Bonus points mill bemaul b y010 too* ateultal 1042 wake See tie at mixt 01Edible* orentra wee wan on KW taro oatmeal. ecru, so: ism. Continued on foveae 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. EFTA01704510 COPY MureM Page Sof 10 Redeem Membership Rewards® Points for the 5th Annual Tribeca Film Festival AM 211-MY 7 Celebrate New York and the best in independent film at the To redeem Membership TR BECA Tribeca Film Festival, held from Tuesday, April 25th through Rewards pants for tickets, 1..b1 Sunday, May 7th, 2006 at locations throughout the City. call the Festival box office at 1.866.941-FEST or go FEST VAL. American Expresso Cardmembers have an exclusive to tribecafllmfestival.org, emrtrs early-on-sale opportunity to purchase tickets from Saturday, and for Tribeca reward April 8th through Thursday, April 13th. packages, log on to vivmmembership rewards.comfexcluslves. (MR Message 6245) Limited Time Offer - Panasonic 2.4 GHz FHSS GigaRange® Digital Cordless Answering System To redeem, visit Panasonic Panasonic 2.4 GHz FHSS GigaRange® Digital Cordless Answering System with Dual-Handsets--Only 14,500 Membership Rewardse points! Offer is valid through April 15, vottw.americenexpress. com/rewards or call 1.800-AXP-EARN 2006. This system has a digital answering system with a ideas for life 2-digit LCD call counter on base, voice menu, and remote control from handset or outside line. Includes two handsets, (297-3276) by April 15, 2006 and mention Reward code PRM353. 1 base and 1 charger. Features Call Waiting, Caller ID (with (MR Message 7349) service) and light-up indicator with ringer/message alert. Soandad MembertA0 Rewoode In and awakes apply. Redeem Membership Rewards® Points This Spring for Shopping with Crate & Barrel in addition to their exclusive collection of classic and To start redeeming today, contemporary furniture, Crate & Barrel offers a tempting log on to www.amencanexpre-ss. Orate&Barrel variety of bedding, glassware, dinnerware, kitchen and outdoor living products. For a store near you, visit cam/rewards or call 1.800-AXP-EARN www.crateandbarrel.com or call 1-800-996-9960. (297-3276). (MR Message 4002) Reward Yourself During Gloss Best in Beauty Week, April 18th • 25th Redeem Membership Rewards® points during Gloss Best in To start redeeming today, Beauty Week, April 18th - 25th, and receive samples and visit www.membership rewards.com or call GL SS special offers from the best brands in beauty, Including Bobbi Brown, Chanel, Clinque, Estee Lauder, La Mer, Prescriptives, and more. 1-800-AXP-EARN (297-3276). (MR Message 7333) Receive 5,000 Bonus Aeroplane Miles Receive 5,000 Bonus Aeroplan Miles with a transfer of 50,000 To learn more about these or more Membership Rewardse points to your Aeroplan rewards and redeem account before April 30, 2006. Aeroplan offers worldwide points, visit www.amedcanexpmss. travel with over 700 destinations in 120 countries, on any of comirewards or call AIR CANADA the 17 members of the Star Alliance' network, including Air 1.800-AXP-EARN Canada. Flights start at just 15,000 Aeroplan Miles. 1,000 (297-3276). Membership Rewards points equals 1,000 Aeroplan Miles. (MR Message 2348) To enroll in Aeroplan and learn more about Aeroplan, visit www.aeroplan.com or call 1-800-361-5373. Team ard cora on de. Meerberehp R**Mall raven *ply. Fa mote InIcerealion yak rovviasnericanexpresteerrotewerds. 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. EFTA01704511 DUPLICATE COPY cicac file Page] of 10 03/12/06 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. These changes become effective on the dates indicated below, whether or not you receive a billing statement. This Notice formally amends your Agreement. and any contrary or conflicting language in that Agreement Is replaced fully and completely. Note that the terms of your Account are subject to change (inclucing 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 American Express Card Account Agreement. We recommend that you carefully review these changes, share them with any Additional Cardmembers on your Account, and then keep this Notice for future reference. If you have questions regarding this Notice, please call the telephone number listed on the back of your American Express Card. Credit Balances (Effective immediately) We have changed the way we treat credit balances on your Card Account Accordingly, the third to last sentence (referring to credit balances) of the Payments section of your Agreement is replaced with the following: "If you have a credit balance on your Card Account at the end of a billing period, we will apply that credit balance to any outstanding balance on your Extended Payment Account? Annual Fees We are changing the annual fee structure for Additional Cards. We will charge a single annual fee for up to three Additional Platinum Cards on your Account, and a single annual fee for each Additional Platinum Card after the first three. We will charge a single annual fee for up to five Additional Gold Cards on your Account, and a single annual fee for each Additional Gold Card after the first live. We will apply this new structure on the renewal date of each Additional Card on.your Account that occurs on or after August 1, 2006. Accordingly, effective August 1, 2006, we are replacing the Annual Fees section of your Agreement with the following: "We will bill to your Account an annual fee of $395 for the Basic Card, $175 for up to three Additional Platinum Cards on your Account, and $175 for each Additional Platinum Card on your Account after the fist three. We will bill your Account an annual fee of $45 for up to five Additional Gold Cards on your Account, and $45 for each Additional Gold Card on your Account after the first five? Changing this Agreement/Assignment of this Agreement Beginning on or around April 21, 2006, your account may be transferred from American Express Centurion Bank to its affiliate, American Express Centurion Services Corporation, if your account is in default under the terms of your Agreement. If your account is transferred, your account number will not change. Accordingly, the following sentence is added to the end of the Changing this AgreemenVAssignment of this Agreement section ofyour Agreement: "Your Account may be transferred to American Express Centurion Services Corporation if your Account is in default wider the terms of this Agreement? Also, effective May 1, 2006, the following sentence is added, If not already present, as a new third sentence in the same section: "This written Agreement is a final expression of the agreement between the creditor and the debtor and the written Agreement may not be contradicted by evidence of any alleged oral agreement.' Other Important Information About Your Account Regarding The Car Rental Loss and Damage Insurance Plan We are adding coverage for Loss of Use as an additional benefit of the Car Rental Loss and Damage Insurance Plan. This coverage will be in effect for any Loss of Use incurred on or after May 1, 2006. Also, additional changes to the Plan have been noted below. Accordingly, the Description of Coverage for the Car Rental Loss and Damage Insurance Plan is revised as follows, effective May 1, 2006. The following definition is added under the first paragraph of the Description of Coverage: 'Rental Auto" means a four-wheeled, two-axle passenger type motor vehicle, designed for and sold to accommodate private passenger transport on public roads. The first paragraph of the 'Who is Eligible for Coverage" section is replaced with the following: You ere eligible for coverage under the Policy if you are a U.S. Platinum Card member ("Cardmember). You are a U.S. Platinum Card member if (1) you are an American Express Basic or Additional Cardmember and a Platinum Card (referred to as the "Card') is Issued in your name, (2) your Card account is baled from a U.S. Operating Center in U.S. dollars, and (3) you maintain your Permanent Residence within the 50 United States of America, the District or Columbia, Puerto Rico or the U.S. Virgin Islands. 'Permanent Residence" means the Covered Person's one primary dwelling place where the Covered Person permanently resides and intends to return. The following is added to the end of the last sentence in section A under—What is Covered": "and Loss of Use? The following paragraph is added under the first paragraph of section A in the 'What is Covered" section: 'Loss of Use" means the unavailability of a Rental Auto and consequent loss of revenue by the Rental Company due to damage or theft. Unless otherwise required by law, the Rental Company must submit a fleet utilization log indicating that dialog such time: 1. no other Rental Auto was available; and 2. there was a demand for a Rental Auto. The following word is removed from the fourth sentence in section B of "What is Covered": "osteopath" Under "Vehicles Not Covered," the first bullet point is replaced with the following: • expensive autos, which means autos with an original manufacturers suggested retail price of $75,000 or more when new; Under—Vehicles Not Covered," the tenth bullet point Is replaced with the following: • full size sport utility vehicles, including but not limited to, Chevrolet/GMC Suburban, Tahoe and Yukon, Ford Expedition, Lincoln Navigator, Toyota Land Cruiser, Lexus LX450, Range Rover or full-sized Ford Bronco; The following exclusion under the 'Losses Not Covered section is deleted: • loss of use fees Imposed by the Rental Company; The first paragraph under 'How to File a Claim" is replaced with the following: Notification of damage, including vandalism, theft, or an accident must be reported to the appropriate law enforcement agency as soon as reasonably possible. This requirement applies regardless of whether the Rental Auto is involved with other vehicles. Failure to notify may result in denial of benefits. BP/CO20FYI/0306 EFTA01704512 DUPLICATE COPY Page 8 of 10 Oil draiM If a loss occurs, a Cardmember should promptly notify the Car Rental Loss and Damage Claims Unit toll free at (800) 338-1670 in the U.S. only or call (440)9142950 from ether locations worldwide. If the failure of a Cardmember to promptly report a loss prejudices the rights of the Insurer, the claim may be denied. The second paragraph under -How Benefits are Pale is replaced with the following: All other payments, with the exception of loss of life, shall be payable to the Cardmember or Passenger. Payments for loss of life of a Cardmember or Passenger shall be payable to the first surviving class of the following: 1) his or her spouse or Domestic Partner, 2) his or her children, equally per stirpes; 3) his or her estate. "Domestic Partner means persons of the same or opposite gender who either, 1. can provide documentation of registration of the Domestic Partner relationship pursuant to a state, county or municipal provision, or 2. can meet the following qualifications: a) have resided with each other continuously for at least the past 12 months in a sole-partner relationship that Is Intended to be permanent; b) are not married to any other person; c) are at least 18 years old; d) are not related to each other by blood closer than would bar marriage per state law; end e) are financially interdependent as can be documented by copies of joint home ownership or lease, common bank accounts, credit cards, investments, or insurance. The form number is replaced with the following: TRIM-DOC-PLAT 11/05" Car Rental Loss and Damage Insurance Is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, condkions, and exclusions of Policy AX0925 and is subject to change with notice. This document does not supplement or replace the Policy. ADDITIONAL INFORMATION FOR RESIDENTS OF LOUISIANA (CRLDI-RDR1-LA 11/05) The Rights of Recovery section is replaced with the following: If the Company makes any payment under this Policy and the Cardmember has the right to recover damages from another, the Company shall be subrogated to that right. However, the Company's right to recover is subordinate to the Cardmember's right to be fully compensated. ADDITIONAL INFORMATION FOR RESIDENTS OF SOUTH DAKOTA (CRLDI-RDR1-SD 11/05) Under Losses Not Covered, item number 5 is replaced with the following: Car Rental Loss and Damage Insurance does not cover losses caused by or contributed to by 5. violation of criminal law, or commission of a criminal act, whether cited or charged; Under Losses Not Covered, item number 7 is replaced with the following: Car Rental Loss and Damage Insurance does not cover losses caused by or contributed to by 7. consumption of alcohol at or in excess of the legal blood alcohol level for a felony conviction in the state or locality in which the Accident occurred; ADDITIONAL INFORMATION FOR RESIDENTS OF VERMONT (CRLDI-RDRI-VT 11/05) Under Losses Not Covered, the following item is hereby removed: 7. alcohol intoxication on the part of the driver, as defined in the state where the Accident occurred; ADDITIONAL INFORMATION FOR RESIDENTS OF WISCONeIN (CRLDI-RDRI-WI 11/05) Under Losses Not Covered, the following items are hereby removed: 5. illegal activity, such. as losses where the Rental Auto was used for, or involved in illegal activity or felony; 7. alcohol intoxication on the part of the driver, as defined in the state where the Accident otturred; 8. voluntarRy taking any drug or acting under the influence or effect of that drug (unless taken as prescribed or administered by a Doctor); Under Losses Not Covered, the following item is added: 18. the use of the Rental Auto focunlawful purposes, or for transportation of liquor in violation of law, or while the driver is under the influence of an intoxicant or a controlled substance or controled substance analog, or a combination thereof, or under the influence of any other drug to a degree which renders him or her Incapable of safely driving, or under the combined influence of an intoxicant and any other drug to a degree which renders him or her incapable of safely driving, or any use of the motor vehicle in a reckless manner. ADDITIONAL INFORMATION FOR RESIDENTS OF WEST VIRGINIA (CRLDI-RDR1-WV 11105) Under How Benefits are Paid, the Footnote, to the note that reads: Note: Benefits will not be paid if, on the date of loss, on the date of claim firing, or on the date of potential claim payment, any amount due on Your Card account is past due or Your Card is cancelled, is hereby revised to read as follows: Does not apply to West Virginia and New York State residents. Annual EFT Error Resolution Notice This notice is to inform you about how you should notify us of errors or questions regarding any electronic fund transfers you Initiate using your American Express Card, including Express Cash transactions, or electronic payments you make to American Express using Pay By Phone, Pay By Computer, or any other American Express electronic payment service. In case of errors or questions about your Electronic Transfers, please telephone us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer questions, and at 1.800-CASH-NOW for Express Cash and Automatic Payment questions. Alternatively, you may write to us at 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 60 days after we sent the FIRST statement on which the problem or error appeared or question arose. When you contact us, please provide the following Information: 1) Your name and account number; 2) Description of the error or the transfer you are unsure about (explain as clearly as you can why you believe it is an error or why you need more information); and 3) The date and dollar amount of the suspected error. If you notify us by phone, we may require that you send us your complaint or question in writing within 10 business days of the call. We will determine whether an error occurred within 10 business days and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in wilting 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 ten you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BP/CO20FYE/0306 EFTA01704513 DUPLICATE COPY Aecau11 Number Cia0.3 Oaks Page 9 of 10 03/12/06 An Important Notice Concerning Cardmember Privacy This Privacy Notice is addressed to United States holders of personal American Express Charge Cards or accounts, Optima Cards or accounts, and other personal credit card accounts that we issue, and to United States holders of business charge and credit cards from OPEN from American Ewes?". 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 out" 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 rele✓ant We use Cardmember Information in connection with and valuable to you. If you respond to one of these delivering products and services to you. To do this it is offers, the other company will know certain information often necessary to share it with our Affiliates and other about you, such as your name, that you are a companies we work with. These include companies that Cardmember, and that you met the qualifications manage Card accounts, offer affinity, frequent-user, and established for the offer. reward programs, companies that perform marketing services and other business operations for us, and Your Choice: You may opt out from receiving these companies whose products or services are provided as offers by calling us at 800-297-8378 or by filling out a benefit of your Card account. We may also share the attached form and returning it to the address on Cardmember Information with other financial the form. You may also Include the form with your regular payment. Please Note: You may receive additional privacy notices that provide information and different opt out choices for other Card accounts that are applicable only to those accounts. Please complete this form if you choose to opt out and wish to mail your response rather If you do not than use the toll-free number, which is 800-297-8378. Return 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 ❑ 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 Ft. Lauderdale Credit Information Provided to ❑ Telephone Offers: Do not contact me by FL 33329-9836 Our Affiliates telephone to offer me products and services. ❑ Do not share credit-related information about me (except as described in this Notice) with American Express Affiliates. MU/1LE/0306 EFTA01704514 DUPLICATE COPY AccounI N.rttet Page 10 of 10 Offers for American Express Products and Services E-Mail Offers We may send you e-mail offers for our products Mail Offers and services, and those of our Affiliates and other We may 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 800-297-8378 or fill out the attached form and Your Choice: To opt out from receiving these e-mail return it to the address on the form. You may also offers, enter your preferences at the 'Set E-Mail include the form with your regular payment Preferences' page of our Internet Prtvacy Statement at Telephone Offers www.americanexpress.comlpreferences. We may contact you by telephone about our products Additional Information About Your Opt Out Choices and services or those that we offer with our business If you are the primary Cardmember on your Card partners. account, your opt out choices will also apply to any Your Choice: To opt out from receiving telephone other Cardmembers on your Card account. If you opt offers, call us at 800-297-8378 or fill out the attached out, we may still include notices and information about form and return it to the address on the form. You may the Card and other products and services when also include the form with your regular payment. communicating with you about your Card account and related products and services. Information We Share With Our Affiliates Our Affiliates include publishers, travelers cheques Information Security issuers, travel agents and providers of Card-related We take commercially reasonable physical, electronic insurance services. American Express Travel Related and procedural steps to help safeguard Cardmember Services Company, Inc., and American Express Information. Centurion Bank, and American Express Bank, FSB are Former Customers Affiliates of each other. We may disclose certain If you cancel your Card, or your Card account(s) Cardmember Information to our Affiliates to provide are closed, we will continue to treat and safeguard services for your Card account and to develop and send Cardmember Information about you as described in you offers for their products and services. We are this Notice. permitted by law to share with our Affiliates information about our transactions and experiences with you, such For VermontCardmembers Only as your payment history. But youcan (*tout of our If your Card.account has a Vermont billing address, sharing-with our Affiliates other credit-related we will automatically treat your account as if you had information (such as your credit history as shown on a checked the lower-left hadd box on the attached opt consumer report). out form. We may share your name and contact information, and information about our transactions or Your Choice: To opt out from our sharing credit-related experiences with you, with financial institutions with information with our Affiliates (except as permitted by whom we jointly offer financial products and services law) call us at 800-297-8378 or fill out the attached form and with our Affiliates. This Notice describes opt out and return it to the address on the form. You may also choices about certain other uses of Cardmember include the form with your regular payment Information. MWILE/0306 EFTA01704515 DUPLICATE COPY 14O,646 Membership Rewards," Platinum Card® Points Available Statement of Account 41 03,31 v.tit:ft 'Margin p.ff. in ft : i innt1 la't,..r ink iftrfit 9 cittrt n • find ni Canting Oro 04/11/06 PcoTo 1 of 3 rte. wn; No co rClua:4} Please Pay By Minimum Prekos &Mite MannekoCrecits rene Hen Blame 05/06/06 Amount DueS Due In Full 1,045.03 -1,045.03 +660.71 660.71 +660.71 Please refer to page 4 Flexible +2,079.67 -496.36 +2,551.22 +4,134.53 +83.00 on How to Avoid Additional Finance Total 3,124.70 -1,541.39 +3,211.93 =4,795.24 74 3•71 Charges. Please refer to page 2 for important information regarding your account Terms - Payable in full upon receipt of statement. Pay your bill online anytime, anywhere at www.amerlcanexpress.com/payblll. For automatic replacement of a lost, stolen, non-received or damaged card, call 1.800-9923404. For automatic balance information, please call 1-800-525-3355 and press option 1-1. For assistance or questions about your account, contact us at www.americanexpress.com or call Customer Service at 1-800-525-3355. Fly Two-for-One Receive a complimentary companion ticket when you purchase a qualifying First Class or Business Class ticket on 18 acclaimed partner airlines. Bring a friend, family member or colleague to intriguing new places, or create new memories in your favorites. The complimentary companion ticket will have the same itinerary as yours, and you can enjoy the flexibility of no blackout dates or cancellation fees. Complimentary ticket is subject to all government fees, taxes and charges. Program terms and conditions apply. For full program information, visit www.americanexpressecom/platinum. To book your next flight, call Platinum Travel Service at 1-800-443-7672. Activity 1":"" ceuda Card Transactions for itmount$ i'R'Vraferca49.479134170tiralgegiYM-11144r5.tak9Irift. 03114/06 TOWER CHEMIST PHARMANEW YORK NY 100.00 PRESCRIPTIONS/SUNDRIES 03/14/06 CVS STORE - 2400 NEW YORK NY 3228 HEALTH/BEAUTY-AIDS Pleasetoil on Ow potaton boon.!each and 'Mum wr out motor& Continued on Page 3 Payment Coupon Please Pay By: Please enter account 05/06/06 number on all checks and correspondence. Payable in US Dollars upon receipt with a bank in the US or Total New Balance money $4,795.24 throughorder, processable the US banking Minimum Amount Due calltem. To P by P $743.71 1-800-472-I-PAY 1-800- 9297. -AXPhcoe, or Please refer to Page 4 NEW YORK NY 10021.6217 co How to Avoid Additional Finance Charges. handllllllI I .1_111 Udhuddfla ndnhhhJdnO Check here if address or Amount enclosed telephone number has changes. Note changes on Mail Payment to: IIJaIIItLIIIatLaIIILLIILatIILIIaLLllaalallLLlLalll reverse side. AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 EFTA01704516 DUPLICATE COPY ,Dcoun' Nutter Page 2 of 8 XXXX-X Payments: Payments received after 12:00 noon may not be credited until the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiable instrument PA_Yable in US dollars and clearable through the US banking %Stem, or through an electronic payment method payable in us dollars and clearable through the US banking system. Your Account number must be included on all payments. If To Pay By Phone payment does not conform to these requirements, cracking may be delayed and additional Charges may be imposed. If we 1-800-472-9297 accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US dollars, unless a particular rate is required by law. Please do not send post-dated checks. They will be deposited upon receipt. Our acceptance of any payment marked with a restrictive legend will not operate as an accord and Customer Service, Lost satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks or Stolen Card and all electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, other services account number and check serial number to your financial institution, unless the check is not processed° electronically era 1-800-525-3355 less costly process is available. By subnitting a check for payment, you authorize us to initiate an electronic debit from your 24 hours? days bank or asset account. When we process your check electronically, your payment may be debited to your bank or asset account as soon as the same day we recewe your check, and you will not receive that cancelled check with your bank or Car Rental Loss and asset account statement. If we cannot collect the funds electronically we may issue a draft against your bank or asset account for the amount of the check Authorization for Electronic Payments: By using Pay By Computer, Pay By Phone Damage Insurance or any other electronic payment service of Otlfh, you will be authorizing us to initiate an electronic debit to the financial 1.800.338.1670 account you specify in the amount you request. Payments received after 5:00 prn. MST may not be credited until the next day. Allocation of Payments and Credits: Suer( to applicable law, we will apply and allocate payments between your Hearing Impaired Card Account and your Sign & Travel andkir Ex ended Payment Option Account (if that account has been activat (9am-5pm EST) rExtended Payment Account') (referred to as "Account' in the Sign & Travel and/or Extended Payment Option Agreement TTY: 1-800-221-9950 and, within each of these accounts, to Charges in any order ardmanner determined by us in our sole discretion. In mos FAX 1-800-695-9090 cases, if you have a credit balance on your Card Account we will not apply or allocate any pad of that credit balance to In NY: 1-800-522-1897 any Extended Payment Account unless you contact us at a time the credt balance miss and instruct us in writing how you want us to apply that credit balance. Charge Card and Statement Information: The Annual fee is $395.00or the Basic Large Print and Braille Card and $175.0Gor each Additional Card. An additional $5 is charged for billing addresses outside the US. Payment is due Statements on receipt of your statement. You may discontinue your membership by contacting Customer Service. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date 1.800.5253355 it is processed by us a our agents. Unless a particularrate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater Travel Emergency and than (a) the highest official conversion rate published by a government agency, or (b)the highest interbankconversion rate Worldwide Personal identified by us from customary banking sources, on the conversion ride or the pnor business day, in each instance Assistance and Fine Increased by 2%. This conversion rate may differ from rates in effect on the dale of your charge. Charges converted by Dining establishments (such as airlines) will be balled at the rates such estatilshments use. Billing RI • tits Summary: 1-800-345-AMEX In Case of Errors or Questions About Your Bill: If you think your biN is incorrect, or if you need more information about a transaction on your till, write us on a separate sheet of paper at the Customer Service address noted to the right. We must hew from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can Platinum Card Travel telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. In your letter, Service and Fine Hotels, give us the following information: 1. Your name and account number; Z The dollar amount of the suspected error; Resorts & gels 3. Describe why ycu believe there is an error. If you need more information, describe the item you are unsure about. You do 1-800.443.7672 not have topay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. Whie we investigate your question, we cannot report you as delinquent or take any action to collect Platinum Card the amountyou question. If you have authorized us to pay your bill automatically from your checking or savings account, you By Invitation Only can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days 1-800-321-RSVP before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the qualty of goods or services that you purchased with a credit card, and you have tried n good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have.this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement forThe.propertr or services, all purchases are covered regardess of amount or location of the purchase.) Credit Balance: Ira creel CustomerService balance (devgnated CR) is shown on this statement, it represents money owed to you. If you clo not make sufftient charges P.O. Box 7825 CS against tfw credit balance or request a refund, we will, within 30 days alter expiration of the six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit balance if the amount is $1.00 or Ft. Lauderdale, FL more. Important Notice to North Dakota Residents: If the Account is past due for two or more billing periods, 33329-7825 a late payment fee of 1.75%ot all past due amounts will be added. Express Cash Operations P.O. Box 297815 Ft. Lauderdale, FL 33329-7815 Payments P.O. BOX 2855 NEW YORK NY 10116-2855 Change of Address • To chango your address online, visit www.amencanexpross.com/updatecontactinfo r cc tc,-.1>, tr>, • For Name or Company Name changes, please call the Customer Service th nct 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. Sheet Addteas ni l City. State tip Code Please provide your Area Code and email address to time Phone receive important J Area Code and account updates and Wort Phone exclusive Cardmember Emah (optional] offers and benefits. You mayvisa the American Express Privacy Statement at www.arnericanexpress.com/privacy for more details and to set your email preferences. EFTA01704517 DUPLICATE COPY Accourl Number Clceirg Page 3 of 8 XXXX-)0000 04/11/C6 Transactions Continued 03/20/06 EXTREME PDA.COM HOPEWELL JUNG NY 18.40 FtADIO,TELEVISION, & STE 03/22/06 SEPHORA • SOHO EL SEOUNDO CA 46.06 COSMETIC STORE 03/22/06 LA MAISON MARINA NEW YORK NV 75.86 HOME FURNISHINGS 03/23/06 EQUINOX COLUMBUS C 212-881-0425 NY 150.00 HEALTH SPA 03126/06 VIRGIN MEGASTOR 5343NEW YORK NY 37.91 40 CUSNIDEO/CASSETTES 03/26/06 UA UNION SQUARE 14 NEW YORK NY 21.50 MOTION PICTURE THEATERS 03/27/06 CRANE & CO, LLC NEW YORK NY 103.70 STATIONERY/SUPPLY STORE 03/28/06 POLO RETAIL CORP NEW YORK NY 75.00 GENERAL MERCHANDISE Total of Card Transactions New Charges 660.71 Payments/Credits -1,045.03 Flexible Payment Option Statement of Account cceourercinee 1000(-XXXa Creditor: American Express Centurion Bank cuckoo** 04/11/08 Thank you for using Flexible Payment Option. Account Minimum Payment Summary S Payment $ Due Date Previous Balance 2,079.67 83.00 05/06/06 Payments/Credits -496.36 FINANCE CHARGE 44.31 New Charges 2,506.91 New Balance 4,134.53 Finance Charge Eisiance(s) to Which Average Daily Annual Daily Per c Please refer to page 4 Schedule Rate Applies Balance Percentage Rate Rate for important information ALL $3,038.99 17.74 % .0486% regarding your Sign & Travel and/or Extended Certain of the periodic rates and APRs above may be variable. Those rates may vary Payment Option. based upon the pima rale identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. ArnauntS S&T and/a. O Activity for Card)00% (tIPL.19 03/22/06 BERGOORF GOODMAN NEW YORK 211.33 CREME DE LAMER 03/23/06 LORO PIANA CENTRAL VALLEY NY 1,47785 MEN'S/BOYS' CLOTHING 03/23/06 EUE TAHARI-WOODBURYCENTRAL VALLE NY 526.79 WOMEN CLOTHING 04/08/06 DECO JEWELS INC NEW YORK NY 270.94 JEWELRY/SALES 04/1W06 MTA NYCT BROOKLYN NY 20.00 MVM METROCARD Total of S&T and/or ExPO Activity New Charges 2,506.91 PaymentslCredits -49626 Continued on reverse EFTA01704518 DUPLICATE COPY Page 4 of 8 MIN XXXX"Wrbe MIXIMI •XXX r X Important Sign & Travel and/or Extended Payment Option Information Billing Inquiries Finance Charges: Averag_e Daily Balance (ADB) Method for Calculation of Finance Charges (FC): We use the 1.800.525-3355 Customer Service ADB method to calculate FC on your Account. Under tha method, we calculate the FC on your Account by applying the Daily Periodic Rate (DPR) to the ADB (as described below) (includng current transactions). To get the ADB, we (1) (24 hours, toll free) take the beginning balance for each day (including unpaid FC from previous billing periods), (2) add any new transactions, debits or fees, (3) subtract any payments or credits credited as of that day, and (4) make any appropriate Address adjustments. For each day after the that day of the billing pettiod, we also add an amount of interest equal to the American Express previous dais daily balance multiplied by the DPR. This sines us the daily balance for that day and the beginning Customer Service balance for the next day. If this balance is negative, it is considered to be zero. Then, we add up a the daily balances P.O. Box 297807 for the billingperiod and divide the total by the number of days in the biring period. Tic gives us the ADB. The ADB for a tiling penod will be considered zero it you paid the total New Balance, if any, shown on your previous lolling Ft. Lauderdale, FL statement by th ng Date of the current tilling period. II you multiply the ADS by the number of days In the Piing 33329-7807 period and the DPRhe result will te the FC assessed, except for variatiors caused by roundno. This method of calculating the ADB and FC results in daily compounding of FC. The information on page 2 of your statement concerning Payments, Authorization for Electronic Debit, Authorization for Electronic Payments, Allocation of Payments and Credits, Transactions Made in Foreign Currencies, Billing Rights Summary, Special Rule for Credit Card Purchase and Credit Balance also applieslothisAccount. EFTA01704519 MembePAIj9i(&2l11s® Page 5 of 8 Monthly Statement and Program News America's Expres 6 0 For questions about your Statement Period PALMS en'S II IP Membership Rewards account, contact March 1, 2006 - March 31, 2006 • 1-800-AXP-EARN (297-3276) Account activity after this period does not appear on this statement EIRE 0.) wynv.arnericanexpress.com/rewards Availabte Points American Express 140,646 Membership Rewards P.O. Box 297813 Points are available when charges are Earn Double Points for all Ft. Lauderdale, FL 33329.9785 paid in full and all your accounts are in Everyday Spend Points ycur Everyday Spend - good standng. earned this period: groceries, gas, pharmacy Available points Include Everyday Spend Points. 41 Account Summary Opening points balance 137,480 New points earned +3,166 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance =140,646 New Points Earned 03/01/06 • 03/31/06 Points Activity On Everyday Spend Bonus Points Total Points Activity Eligible Charges Pants Awarded Per Card Platinum 3,125 41 0 3,166 xxxx.x)0a Totals 3,125 41 0 3,166 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred cr redeemed carrot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms and Conditions in your Membership Rewards Guide. If you have questions, please visit www.americanexpress.com/rewards or call 1-800-AXP-EARN (297.3276). From overseas, call collect 305-816-2799. Earn FIVE Membership Rewards. Points for Every Dollar Spent at The Sharper Image! THE Discover all kinds of innovative products that you can buy today—fantastic gifts, great games, and fun toys—in every To start redeeming today, log on to www.amerleanexpress. SHARPER price range for work, home and play. Visit them at www.sharperimage.com/amex today! corn/rewards or call 1-800-AXP-EARN IMAGE (297-3276). (MR Message 1112) Earn Double Points When You Celebrate Mother's Day with Spa Finder Gift Certificates Give the gift of relaxation and pampering from Spa Finder Celebrate Spring! Earn this Mother's Day, plus earn Double Membership Rewards® double points on Spa Finder products or gift points. Spa Finder Gift certificates are redeemable at 3,000 SAFINDE fk !HI IISIS 6141 C IT 0 ill . day, destination, resort and medical spas worldwide www.spafinder.com or call 1-888-255-7727 and earn certificates redeemable at 3,000 spas worldwide. Visit unvw.spatindencom double points today. or call 1.888-ALL-SPAS today. Old 'ad through 1251.08 To earn torus psis& you mss: to curdled In Urn Afartoulap Rewards (MR Bonus ID 0250) p'ag'an al to :moo: purchase at charge your paoluse to an Artie, enedkd amoelcan Express. Card. Bonus Huts we Co owned loHui Mertaxeshp Rewords eccoure 6-8 weeks atter Hawes 'Hear *Hutu Wing sidemen" Bona ID: 0250. Mother's Day is May 14th! Remember Mom and Earn 10x Points from FTD.COM0 Celebrate the special people in your life and earn 10x Remember Mom with fresh Membership Rewards® points when you shop at FTD.COM. flowers or choose from a wide selection of gifts! Choose from fresh flowers, delivered by a quality FTD® Shop at www.ftd. Florist, or tempt their sweet tooth with cookies, chocolates, comiamexpromo or call gift baskets, and more! So earn 10x points by visiting 1-800-SEND-FM, promo www.ftd.com/amexpromo or call 1-800-SEND-FTD and code 4134 and earn 1Ox points for you. give promo code 4134. Geer wedHough 12/3103. Nd volute& skeet or in oenjurclion wth any ether ctee ken FTD.COIA (MR Bonus ID 7870) To earntorts pads, you must be emoted into Man ethic Reward: mwrarn al the Mnedwrehze ardoharne your PaChaSO loan doable. ends Arnerkin Expres:4)Cant Bane pint 'Nil te acciled b yes MentenhO Rereads =A 10-12 weeks Wier oedema debated and charges appear on your Wig 'Werner& Bonus ID: 7870. 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. EFTA01704520 American Express• ICATE COPY ME tosettsnip mXr i r' *1 • • Page 6 of 8 A PN II0.' Earn Double Points at 1.800•PetMeds with Free Shipping* Save money on your pet medications at 1-800-PetMeds and Enjoy Free Shipping* on earn double Membership Rewardse points! Plus, receive free your pet medications inducing prescription 1-1300-PetMeds1 shipping on orders over $39. Save on flea, tick and medications, vitamins, Amedce's Urged" Pat Pharmacy heartworm medications including Frontline Plus, Advantage supplements, and treats and Heartgard plus vitamins, supplements and treats--all plus earn double points. conveniently delivered to your door. Visit Visit www.1800petmeds. corn or call www.1800petmeds.com or call 1-800-738-6337. 1.800.73&6337 today. Cher vaSd 3/1.931/06.1reo seeped odium. teltOrsled isms. T . Okible to teanthemes Marti Pm must be emceed in the Meetterthp Revered, program et the time of Imelda, and charge yew paciume to (MR Bonus ID 2256) m eiders. Mad Eimeart Call Beim poets canto nettled lemur tirembeethip Rmards xtm 6-13 yeah NT Mew eliardee &pear on mar tilled eldendat. Benue ID: 2:866. 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 A KS style, authority and expert service. Founded in 1924, Saks has always been characterized by a modern energy that www.saks.com or call 1.866-290-9027. fosters innovation and discovery. The exclusive offerings, (MR Message 6302) AVE E designer boutiques and personalized consultations have long made Saks the only choice for discerning customers with eclectic taste and original style. Fly Far or Near with Delta By June, 2006, Delta will otter more flights between the To team more about these United States and destinations across Europe, India and rewards and redeem points, visit A.Delta Israel than any other U.S. airline. Included in its international expansion is new or increased service to nine destinations across the Atlantic: Kiev, Moscow, Istanbul, Dusseldorf, viww.amerIcanexpress. comfrowardsor call 1.800-AXP-EARN (297-3276). Budapest, Athens, Nice, Stuttgart, Mumbai and Chennai, India (via Paris). (MR Message 2370) Terms aid condketa d Me Mornbenhb derma. eM Siddlees9 warrens melt Foe more idaTM80d vemtamerleanexpresat ors/rewards. Special Offer • TaylorMade R7 Quad Titanium Driver w/ Bonus 3 Dozen Maxfli Noodle Golf Balls The TaylorMade R7 Quad is a remarkable new driver To redeem, visit featuring a completely new technology called Taylor Made www.amerIcanexpress. Launch Control (TLC). TLC gives players the freedom to corn/rewards. Or call 1.800-AXP•EARN change the driver's launch conditions by redistributing 24 (297-3276) by May 30, grams of discretionary weight in a variety of ways. Includes 2006. accessory kit. Available in 9.5 or 10.5 degrees, in right or left (MR Message 6209) hand, and regular or stiff flex. No custom options available. PLUS, get 3 dozen Maxfli Noodle Long & Soft Golf Balls FREE. Reward Code: PRM916, 43,000 Points. Tema eM eonedieris d the titerrbinhci Remade* wenn apply. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704521 DUPLICATE COPY A.roimINu-rixr Claire Cato Page 7 of 8 XX)0(-XX)0a 04/11/06 CustomExtrar Luxury Suites & Premium Tickets Available For tickets, cal 1.800.321-RSVP (7787). You have access to some of the best seats in the house through our Luxury Suites and Premium Tickets Program offered as part of (CE 107066) Platinum Cardin benefits. Enjoy prime seating and VIP access at venues in New York and Los Angeles while you take in the best in professional entertainment. Premium Tickets are also available for select events in New York City. MI sales are final and nonrefundable and resale is prohibited. Details and prices are subject to change. Suites, packages and tickets are available on a first-come, first-served basis. All ticket orders are subject to service charges. Payment must be made using the Platinum Card. Availability is limited. Enjoy Pre-Flight Privileges with Airport Club Access For more Information, contact Platinum Frequent flyers, both business and leisure, will appreciate the comfort Customer Service at and convenience of this benefit. Enjoy complimentary access to 1-800-345-2639. participating private airport clubs while waiting for your plane. When traveling with Continental Airlines, Delta Air Lines, or Northwest (CE 107065) CABO TIEMBEI BENEFITS Airlines, you and your guests have complimentary access to the respective carriers' lounge. Card member must be traveling. Name on ticket must match name on Card. Card member must be 21 years of age to enter the airport club without a parent or guardian. Platinum Card* member's spouse and children under age 21 or up to two companions may enter club as complimentary Quests. Ccdeshare and affiliated lounge agreements do not apply. Complimentary access is specifically for the airport club that corresponds to the airline operating the flight (access pertains to the aircraft, not the Hight number). Free Guide for Cardmembers from Ameriprise Financial To order your free guide, call Ameriprise Financial At Ameriprise Financial we're here to help Cardmembers achieve their at 1.866.239.8146 or visit financial success. That's why we would like to offer you our Smart our website at Money Management Workbook-free with no obligation. The workbook ynnahameriprise.com. is filled with easy-to-understand information about reducing your (CE 107050) nerdy:eel taxes, planning for college, balancing risk and investment and Ameriprise determining your net worth. thrgnFaanddl Brokerage, investments and financial advisory services are made available through Ameriprise Financial Services, Inc. Member NASD and SIPC an Ameriprise Financial company. Amedpdse Financial Services is no longer owned by the American Express Company. 02006 Ameriprise Financial, Inc. All Rights Reserved. Reward Yourself with USA TODAY for Only $0.48 Per Day! Call 1.800.872.0001 and ask for promotion 555. Start your day off right with home or office delivery of USA TODAY. Or visit us online at USA TODAY delivers the news you need to know, when you need it, www.myusatoday.com/ in a concise format to save you time. Enrich your life with exclusive bestdeal. USA stories only found in USA TODAY. Just 13 weeks for $31.20, 26 weeks for $62.40 or 52 weeks for $124.80. Get an extra 2 weeks free (CE 107099) TODAY when you sign up for EZ Pay. We'll charge your American Express® Card at the renewal rate--currently 13 weeks for 639.00, 26 weeks for $74.25, 52 weeks for $134.99-until you call to cancel. Only American Express Cards we accepted. Void in Alaska. Local sales tax, when applicable, will be added to your order. Savings calculated against the newsstand price of $0.75 per copy. Meet the Future of Television with a DIRECTV PLUS® DVR! Call DIRECTV at 1477-720-9114 and Call 1-877-720-9114 and ask how to get a free lease upgrade to a provide offer code 8639 DIRECTV® DVR after 5100 instant rebate and free standard today) Offer valid between installation in up to 3 additional rooms when you use your American April 1 and June 30, 2006. Express® Card to pay for DIRECTV service. DIRECTV programming, (CE 107098) t equipment and DVR service available separately. On approved credit. Two-year programming commitment required. Offer code 8639. DIRECTT New lease customers only. In certain markets, programming/pricing may vary. Programming pricing, terms and conditions subject to change. Taxes not included. Equipment not transferable and may not be sold Pricing residential. Not available in AK/HI. Receipt of DIRECTV programming subject to DIRECTV Customer Agreement, copy provithd- • at DIRECTV.com and in first bill. 02006 DIRECTV, Inc. DIRECTV and the Cyeone Design logo are registered trademarks of DIRECTV, Inc. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704522 DUPLICATE COPY IttountNirnbc Page 8 of 8 XXXX-1O(XXIMI Going Once. Don't Let Your Dream Trip Slip Away (CE 107061) Are you a golfer or a connoisseur? A trend-setter or a jet-setter? Find out where your passion will take you when American Express unveils Going Once. Starting April 25th, you'll get the chance to bid on the .tAPDMEMBER trip of a lifetime or buy an incredible vacation package at a BENEHIS Cardmember-only price. You decide. And while you're at it, choose any of the premium offers from top name brands. To learn more, visit www.trip.mylifemycard.com/dreamtrIp. Available to U.S. Cardmembers only. Quantities of travel packages are limited and will be sold on a first-come, first-served basis. All sales are final. Void where prohibited. Restrictions apply. Sec vAvvraylifemycard.com/dreamtrip for ful details. Offers subject to full terms and conditions available on wonv.mylifemycard.com/dreamtrip. Now Accepting American Express® Cards! If there are other places where you would like to Bon-Ton - Your source for great fashions from your favorite brands, see the Card accepted, plus a complete Home Store section for every style. Visit please call the Customer www.bonton.com for the location nearest you. Service number that is located at the top of your statement or the number US Helicopter - Providing hourly departures from Wall Street and that is on the back of your East 34th Street Heliports to JFK airport! Ride above the traffic with Card. us, Monday-Friday all day long! www.flyush.com. (CE 106981) Pacha New York - The 1st American home of Europe's premiere clubbing experience. Four floors and 30,000 square feet of lavish nightlife. www.pachanyc.com. 212-209.7500. Join Us • Support Boys & Girls Clubs of America Visit vrvny.mylifemycard. comlbaca fcr more American Express is proud to support the 2006 Centennial information or to make a EN Celebration of Boys & Girls Clubs of America. Help create 100 more donation. years of hope and opportunity for kids by donating to the BGCA. For (CE 107103) to every donation made with an American Express. Card, we will U donate an additional $5. <nano, 2006 beens....treecrennieca American Express will donate an additional $5 for every donation with an American Express Card, up to $25,000, through December 31st, 2006. Additional $5 donation is not tax deductible to Cardmembers. Save 20.50% at Preferred Hotel Group For reservations, visit wunv.preferredhotel When you book a stay and pay with your American Expresso Card group.com/april, call you'll receive a rate savings of 20-50% off at participating properties. 1.800-323.7500 or contact Additionally, each participating hotel will offer one of the following your travel professional. special welcome amenities: Offer valid unti December 31, 2006. NOM 440Vt Guaranteed room upgrade -Daily continental breakfast 'Welcome bottle of wine or champagne -A unique hotel-specific amenity (CE 107100) To redeem this offer, you must use your American Express Card. Subject to availability. Rates and welcome amenities may vary and are valid at participating hotels only. Participating hotels are subject to change without notice. Offer can not be combined with other promotions or offers. Advance reservations/order required. EllaCkOut dates apply. Must be of legal drinking age to consume alcohol. Please drink responsibly. Other restrictions may apply. Save $50 per Night at The Fairmont Copley Plaza Boston For reservation, please call 1.866-840-8089 and The Fairmont Copley Plaza Boston invites you to experience a Golden mention Fairmont's Opportunity. Discover Fairmont Gold, from unrivaled service to the Golden Opportunity or opulence of its private lounge. The Fairmont Copley Plaza's exclusive visit wnfaimiont.com/ club level is truly a "hotel within a hotel" designed to meet the needs copleyplaza and mention promo code PRGOP1. of our most discerning travelers. This offer includes $50 savings each COPLEY PLAZA night of your stay, complimentary deluxe continental breakfast and (CE 107097) evening canapes in our Fairmont Gold lounge and complimentary valet parking. Offer valid from 4/1 - 9/4/06.24-hour advance cancellation required. Rates and dates are subject to availabibty, based on single or double occupancy. Payment must be made with an American Expresso Card. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704523 DUPLICATE COPY 143,450 Platinum CarcP- Membership Rewards® Points Available Statement of Account at 04/30/06, when charges oue are paid in full and al accoultS are in geed standing 05111/05 Page 1 o' 8 Now Cl'atcps S Pwypa Pau/tit Palmerestreds (rc Fullr00 Char aryl Nov 8.‘ace S Minimum MnouM Du t Please Pay By Due in Full 660.71 06/05/06 -734.41 +1,032.17 958.47 +958.47 Please refer :o page 4 or How to Avoid Flexible +4,134.53 4,134.53 +614.45 +614.45 +20.00 Additional Finance Total 4,795.24 -4,868.94 +1,646.62 =1.572.92 978.47 Charges Ploaso rotor :0 page 2 for important information regarding your account Terms - Payable in full upon receipt of statement. Pay your bill online anytime, anywhere at vantamencanexpress.com/paybIll. For automatic replacement of a lost, stolen, non-received or damaged card, call 1-800-992-3404. For automatic balance information, please call 1-800-525-3355 and press option 1-1. For assistance or questions about your account, contact us at www.amerlcanexpress.com or call Customer Service at 1-800-525-3355. Pay now or pay later? Choose which charges on this statement you want to pay later. See CustomExtras Pages at the end of your Statement for Details Activity .e'aeaYQe' s'ea'" Peal Trona eatinns for NneuniS 04/13/06 4,79524 CHKLESS PYMT RECV- THANK YOU -660.71 4,134.53 APPUED TO SION & TRAVEUExPO 04/15/06* BANANA REFUBUCS811NEIN YORK NY -73.70 110003524 APPAREL/ACCESSOR1ES 04/13/06 FREDERIC FEKKA1 NY NY 15600 BARBEFVSEAUTY SHOP 4 P1... kdo one. porkettal Soo.barn red rainwe yos parent + Continuod on Page 3 Payment Coupon Alte0,-INAtinw Please Pay By: Please eller accourd 0605106 number on all checks and Lsyresponderce. Payable in US Dollars upon recePit with a bank Jr the US or Total New Balance money $ 1,572.92 throughorder, prccessatte the US banldng Minimum Amount Due system. To Pay by Phone, call 1-800- l-PAY-AXP $978.47 1-800472- 9297 Please refer to Page 4 NEW YORK NY 10021 - 6217 on How to Avoid Additional Finance Charges. . Check here if address or Amo.int enclosed telephone number has changes. Note changes on Nail Payment to. reverse side AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 IIIIIIIII IMO IIIII III IIII EFTA01704524 DUPLICATE COPY Sir Page 2 018 L X X XX-XXXX Payments: Payments received after 12:00 noon may not be credited until the need day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement Payments must be made wth a single che•O or draft drawn on a US bank and payable in US doers, or with a negotiable instrument payable in US dollars and clearable through the US banking system. or through an electronic payment method payable n US dollars and clearable thrcugh the 11S banking systerr. Your Account number must be included on all payments. If To Pay By Phone payment does not conbrrr to these requrements, c.reciting may be delayed and additional Charges may be imposed. If we 1-800-472-9297 accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US doers,. unless a particular rate is required by law. Please do not send post-dated cleats. They will be deposited upon receipt bur of any payment marked with a restrictive legend will not operaie as an accord and Customer Service, Lost satisfaction without our express pea written approval Authorization for Electronic Debit: We will process checks or Stolen Card aid al elostroncaly, at first preeentment and any re-presentments, by trarsmtting tho amount of the check, routing number, other senrces account number and check serial number to you' finance' institution, unless the eneck is not processable electronically or a 1-800-525-3355 less coyly process is available. By suomating a check for payment. you authCriie us to inmate an electronic dean from your 24 hours/ days bank or asset account Wien we process your check electronically. your payment may be debited to your bank or asset account as soon as the same day we receive your check, and you wiI not receive that cancelled check with your bank or Car Rental Loss and asset account statement If wo cannot collect the funds electronically wo may issue a draft against your bank or asset Damage Insurance account for:he amount of tree check. Authorization for Electronic Payments: By using Pay By Computer, Pay Ey Phone 1-800-338-1670 or any other electronic payment service of ours, you will be autronzing us to initiate an eledron c debit to the financial account youspecify in the amount you request Payments received ater 500 p m MST may not be credited until the next day. Allocation of Payments and Credits: Subect to applicable law, we will aopty and allocate payments between your Hearing Impaired Card Account and your Sign & Travel and'or Extended Payment Cption Account (if that account has bocn activat (9am-Spm EST) ("Extended Payment Account') (referred to as 'Account' in the Sign & Travel and/or Extended Payrrent Option Agreement TTY: 1-800-221.9950 and, wftnin each of these accounts, to Cnarges in any order andmanner determined by us in our sole discretion In m FAX: 1.800.695-9090 cases, if you have a credit balance on your Cat Account we will not apply or allocate any part of that credt balance b In NY: 1.800.522-1897 any Extended Payment Account unless you contact us at a time the credit balance exists and instnd us in writing hew you want us to apply that credit balance. Charge Card and Statement Information: The Annual fee is $395.00or the Beet Large Print and Braille Card and $175 00or each Additional Card. An additional $5 is charged for tilting addresses cutsde the US. Payment is due Statements on receipt of your statement. You may discontinue your membership by contacting Customer Service. Transactions Made in Foreign Currencies: If you inoar a Charge in a foreign currency, it will be converted into US dollars on the date 1.800.525.3355 rt is processed by us or ow agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is execrable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency .s no greater Travel Emergency and than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate Worldwide Personal idertihed by us from customary banking sources, on the conversion date or the prix tusness day, In each Instance Assistance arid Fine increased by 2% This conversion rate may dffer from rates in effect on the date of your ehage. Charges converted by Diring establishments (such as ain nes) will be tilled at the rates such establishments use. Billing Rights Summary: 1-800-345-AMEX In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if you needmore information about a transaction on your bill, write us on a separate sheet of paper at the Customer Senice address noted to the right. Platinum Card Travel We must hear from you no later than 60 days after we sent you the first bill on which the error or probem appeared. You can telephone us at the number indicated on the front of this statement. but doing so will not preserve your rights. In your letter. Service and Fine Hotels. give us the follcnvng information: 1. Your name and account number, 2. The dollar amount of the suspected error; Resorts & Spas 3. Describe why you believe there is an error If you need more information, descr be the tem ye., are unsure about. You co 1-800-443-7672 not have to pay any amount in question wh.le we are nvestigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect Platinum Card the amount you question. If you have authorized us to pay_your bill automanealy from your checking or savings account. you By Imitation Only can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days 1.800-321-RSVP before the automatic paymentis scheduled to cooir. Special Rule tor Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more th an $50 and the purchase was made in your home state or within 100 miles of your mailing .&ess (If we own or operate the merchant, or if we mailed you the advertisement for the property or services. all purchases are covered regardless of amount or location of the pischase.) Credit Balance: P a credit balance (designated CR) is shown on this statement, it represents money owed to you. If you do not make sufficient charges • Customer Service aganst the credit balance or r uest a refund, we will, ...ratan 30 days after expiration of the six-month period following the PO Box 7825 CS date of the first statement indic ing the credt balance. issue a check to you far the erect balance if the amount is $1.00 or Ft. Lauderdale, FL more. Important Notice to North Dakota Residents: If the Account s past due for two or more tiling penods, 33329.7825 a late payment fee of 1 75% of all past due amounts will be added. Express Cash Operations P.O Box 297815 Ft. Lauderdale, FL 33329-7815 Payments P 0 BOX 2855 NEW YORK NY 10116-2855 Change of Address • To change your address online, visit www.arnericanexpress.com updatecontactinto Co fee, en rant • For Name or Company Name changes. please call the Customer Service 13 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 c'early In blue or black ink only in the boxes provided. Sean Mite. Celt Stale Zip Cycle 1 Please provide your Are. Ca:O&M e-mail adcress to Haire Peons receive important Area Coca end account updates and j Won nmno exclusive Cardmembar En's, lizuwuri , odors andbenefits. You may visa the American EwenPrivacy Statement at ynwiemericanexcvess.comitrovacy for more detai8 and to set your erne preferences. EFTA01704525 DUPLICATE COPY Account Harbor Cfry...,roD:de Page 3 of 8 )000(-X)0a 05/11/06 Transactions Continued *mount $ 04/13/06 BANANA REPUBLIC $811NEW YORK NY 192.91 APPAREL/ACCESSORIES 04/21/06 NOVECENTO NEW YORK NY 41.78 01 FOOD AND BEVERAGE FOOD-BEV 41.78 04/22/06 NNW 57 NEW YORK NY 51.08 RESTAURANT FOOD AND BEV FOOD/BEV 43.08 TIP 8.00 04/23/06 BLOOMINGOALES NEW YORK NY 16.26 KIEHL'S 04/23/06 BLOOMINGDALES NEW YORK NY 24.00 DSGNR/BRDGE FOUNDATIONS 04/23/06 EQUINOX COLUMBUS C 212881.0425 NY 150.00 HEALTH SPA 05/02/06 TOD'S CENTRALVALLEY NY 194.63 SHOE STORE 05/02/06 CONTAINERSTOREUNGTNNEW YORK NY 53.59 STORAGE&ORG 05/02/06 07007822 PAL PKWY STAPPAN NY 67.52 CITGO GASINISC98 323027822046 05/06/06 TOWER CHEMIST PHARMANEW YORK NY 40.47 PRESCRIPTIONS/SUNDRIES 05/07/06 EXTRA VIRGIN RESTAURNEW YORK NY 43.93 FOOD/BEVERAGE FOOD 37.93 Tip 6.00 Total of Card Transactions New Charges 1,032.17 Payments/Credits -734.41 Flexible Payment Option Statement of Account Accord Nutty )0Ca- Creditor: American Express Centurion Bank Clasba Dale 05/11/06 Thank you for using Flexible Payment Option. Account Minimum Payment Summary $ Payment $ Due Date Previous Balance 4,134.53 20.00 06/05/06 Payments/Credts 4,134.53 FINANCE CHARGE 0.00 New Charges 614.45 New Balance 614.45 Finance Charge Balance(s) to Which Average Daily Annual Daily Periodic Please refer to page 4 Schedule Rate Apples Balance Percentage Rate Rate for important information ALL $0.00 1774 % .0486% regarding your Sign & Travel aid/or Extended Certain of the periodic rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Amounts 04/24/06 Canaloup NYC New York 290.49 CLOTHING FAMILY CLOTHING STORES 05/02/06 SALVA1DRE FERRAGAMO CENTRAL VLLEY NY 278.96 MEN'S WOMEN'S CLOTHING Cori/rived on reverse EFTA01704526 DUPLICATE COPY Efr?2:ed rCZ aeon Page 4 of 8 XXXX - XXXXXS S&T and/or ExPO Activity Continued Amount 05/05/06 PENN CLUB NEW YORK NY 45.00 MEMBERSHIP CLUB Total of S&T and/or ExPO Activity New Charges 614.45 Payments/Credits .4,13453 Important Sign & Travel and/or Extended Payment Option Information Billing Inquiries Finance Charges: Average Daily Balance (ADB) Method for Calculation of Finance Charges (FC): We use the Customer Service ADB method to calculate FC on your Account. Under this method, we calculate the FC on your Account by apdying the 1.800-5253355 Daily Pericdc Rate (DPR) to the ADB (as described below) (including current transactions). To get the ADB, we (1) (24 hours, toll free) take the beginning balance fcc each day (including unpaid- FC from previous billing periods), (2) add any new transactions, debits or fees, (3) subtract any payments or credits credited as of that day, and (4) make any appropriate Address adjustments. For each day alter the first day of the billing period, we also add an amount of interest equal to the American Express previous days daily balance multiplied by the DPR. This gives us the daily balance for that day and the beginning Customer Service balance for the next day. It this balance is negative, it is considered to be zero. Then, we add up all the daily balances P.O. Box 297807 for the billing period and dwide the total by the number of days in the billing period. Ths gives us the ADB. The ADB for a billing period will be considered zero if you paid the total New Balance, if any, shown on your previous billing Ft. Lauderdale, FL statement by the Closing Date of the current Sing period. If you multiply the ADB by the number of days in the billing 33329-7807 period and the DPR, the result wil be the FC assessed, except for variations caused by rounding. This method of calculating the ADB and FC results in dairy compounding of FC. The information on page 2 of your statement concerning Payment % Authorization for Electronic Debit, Authorization for Electronic Payments, Allocation of Payments and Credits, Transactions Made in Foreign currencies, Billing Rights Summary, Special Rule for Credit Card Purchase and Credit Balance also applieslothis Account. EFTA01704527 MembeHIR491Figliarils'- Page 5 of 8 Monthly Statement and Program News For questions about your Statement Paned Membership Rewards account, contact April 1, 2006 - April 30, 2006 1-800-AXP-EARN Account activity after tnis period aces not appear on this statement (297-3276) www.americanexpress.com/rewards Available Points American Express 143,450 Membership Rewards P.O. Box 297813 Points are available when charges are Earn Double Points for all Ft. Lauderdale, FL 33329-9785 pad in full and al your accounts are in Everyday Spend Points your Everyday Spend - good standing. earned this period: groceries, gas, pharmacy Available points Include Everyday Spend Points. 132 Account Summary Opening points balance 140,646 New points earned +2,804 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance =143,450 New Points Earned 04/01/06 • 04/30/06 Points Activity On Everyday Spend Bonus Points Total Points Activity Eligible Charges Points Awarded Per Card Platinum 2,672 132 0 2,804 XXXX-XXXXa Totals 2,672 132 0 2,804 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated fora fee by calling the number provided below. Eligible Card charges are out in the Membership Rewards program Terms and Conditions in your Membership Rewards Guide. If you have questions, please visit wmv.americanexpress.conurewards or call 1.800-AXP-EARN (297-3276). From overseas, call collect 305-816-2799. You May Be Eligible for a Free Flight on Delta If you have at least 25,000 points, you may be eligible for a AU Delta SkyMiles program free flight on Delta! Delta's recent expansion gives you more rules and conditions apply. elta To review the rules, please international choices than ever! Take advantage of new visit www.deltacomf service to Edinburgh, Copenhagen, Kiev or enjoy the sights, sky-miles. sounds and cuisine of Paris, London, Madrid or Moscow. With Delta's SkyMilese and SkyTearne Alliance airline (MR Message 0425) partners, Skylubles can be redeemed for award on more than 14,000 daily flights to more than 500 destinations. Teem end cordtaed tie KlembeethO Reamedse porta AFIy. For ma.kreemake. Tea IYAWAInnleitnexprateeniltevitardS. Earn 10x Membership Rewards® Points from Teleflora's Flower Club! Send a vibrant bouquet Tele-flora Summer is almost here! Send the vibrant colors of the season with flowers from Teleflora's Rower Club. Choose and can lox points whenever you shop with from the Flower Club's selection of beautiful flowers to Teleflora's Flower Club at FLOWER CLUBb brighten any day and earn 10x points when you shop at www.membershiprewards.flowerclub.com or call www.membership lowerelub.com e 1-800-775-7523. or call 1.800-775-7523. VeSd through 12/3666 MILT on wren placed trough URL or P00 weber elven atom. Como! be (MR Bonus ID 1600) combined wthmy oho thee or trecid piconeceet To be thatee b ern bonus pine. yeu must be erected M the Mentershbe Rennes reopen d the ems of purchase and youmetUs ge your purchase le aneigbEe enreled AmericanEnamel, Cart Bore pert nabe erecHed to your li-e‘ftrs1ip Flenercb =cent with IO12 weeks Wier chages =ear on you tiling Oaternere. Bonus ID: 1600. 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. EFTA01704528 American Expreso , m ili m ilialCATE COPY Llerntserst Rewarr1s2/ Amour] Nutter Page 6 of 8 Find Unique Gift Ideas and Earn 6x Points from sharperimage.com Shop at THE Find unique products and gifts ideas, PLUS, earn 5x Membership Rewardse points when you shop at www.sharperimage.com/ amexpoints today and SHARPER www.sharperimage.com/amexpoints. The Sharper Image shares the fun of discovering innovative products that make find unique products aid gift ideas, PLUS, eam 5x points for you. IMAGE life easier and more enjoyable. As one of America's premier specialty online retailers, sharperimage.com Is the place to (MR Bonus ID 2110) find something special for any occasion. Vstd ONLY el wratstarpultrusw.corrramexpolnts trough IMMO. Not veld is Wag, =C4Pi or kr TheSharper huge Aumun she. To coin tom* OCIMs. you =site swelled in the p r.vsits program el to One cr pusctozo and chug. your PuthaSe to an 012t6t. 00,0301 America" Express. Cord. Bra sirts w2I be crocklal to rug Merntemb0 Retools accost 10-12 wears en charges SWIM' on your Orlig sletumerl taws ID:2110. Limited Time Offer from Nike Golf • Nike Slingshot Irons - Steel Shaft Only 63,000 Points The slingshot irons were designed for the professional, the To redeem, visit beginner and everyone in-between. They have an innovative wwW.aniericaneXpresS. shifting center of gravity that makes for unparalleled com/rewards or call o L F 1-800-AXP-EARN playability across all skill levels. Available in standard lie only. (297-3276) by June 15, Take advantage of this great value, original point value was 2006. 80,000 points and you can redeem for only 63,000 points. (MR Message 3489) Reward Code: Nike17. Offer Expires: 6115/06. Terms ad Coldtpmd to Mentersh0 Reveals proven *My. Redeem Membership Rewards® Points at Pottery Barn® At Pottery Barn, American Expresso Cardmembers can shop For a store near you or to for home furnishings of exceptional comfort, style and request a catalog, visit quality. Pottery Barn's designers draw inspiration from wvna.potteiybam.com or POTTERYBARN call 1.800.922.5507. around the world to create an exclusive collection of furniture. (MR Message 6402) Redeem Membership Rewards® Points for a $50 Benihana Gift Card Experience one of the longest-running dining shows in the At Benihana, enjoy an world. Watch your personal chef entertain you with a experience at every table! For door-to-door RIBENINI11111. laughter-filled dining experience. The preparation will dazzle directions, please visit your eyes, tease your taste buds and leave you hungry for a www.benihana.com or mouth-watering meal you will never forget. Enjoy some of the call 1-877-BENIHANA freshest fish in town at their sushi bars and then choose from (236-4426) for the location such hibachi grilled favorites as prime sirloin, tender chicken nearest you. and fresh seafood. (MR Message 0350) 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. EFTA01704529 DUPLICATE COPY Xsart IµTJp CE:cirs; Dee Page 7 of 8 05/11/06 CUOME7cfrar Charge by Charge, Choose Which Ones to Pay Now or Later It's easy to choose charges from your Did you know the Card has a special feature that allows you to statement to pay for over choose just about any individual purchases from this statement you'd time. Simply visit like to pay for over time? VAVW.a,gel canexpress. com/transfercharges, select the "Transfer' It takes just a moment and there's no enrollment required. Best of all, button and log on. Or if whether you pay in full or select charges to pay over time, you still you prefer, call the enjoy all of the benefits and security your Card provides. number on the back of your Card and press (CE 107279) Not al Cardmembers are eligible. Eligibility based on Cardmember tenure and payment history. Enjoy Fine Dining Around the World To make a Fine biting reservation, please call For dinner reservations across town, across the country, or across 1400445-2639, option 2. the ocean, look to the Fine Dining program available to you as a Platinum Card® member. Every day, a reservation is held at more (CE 107271) than 1,000 of the most highly acclaimed restaurants worldwide. So when the need arises for a reservation at a hometown favorite or an outstanding restaurant in another city, Fine Dining can help. Reservations are provided on a first-come, first-served basis, so please call as early as possible. Al cancellations must be made by calling Platinum Card Concierge at least 24 hours In advance of the reservation, otherwise, a $15-per-person cancellation fee ($60 minimum; $120 maximum) will apply. Stay In Touch with Home When Traveling Internationally Book an international cell phone before June 30, Avoid the hassle of international roaming by renting an international 2006, and receive $30 cell phone from WorldRoam. Enjoy VIP treatment with a complete worth of free calls if your rental package delivered to your door and English-speaking support rental period is cne week available at any moment. Request YoutoMe, a service exclusive to or longer. That's 20% CAR CIA EM BER more than your standard BENEFITS American Express® Cardmembers, and friends and family can reach benefit. Cat WorldRoam you at your U.S. cell phone number or a U.S. toll-free number. at 1.866.270.9888 and To receive $30 of free airtime, you must book before 6/30106 and travel before 12/31/06. All quote PSM506. costs must be charged to your Card. Rental charges commence on the "Start Date" and conclude on 'Disconnection Dale". Delivery charges may apply. A $300 deposit is applied (CE 107272) up to 9 days before "Start Date". If deposit amount is exceeded, charges will apply based on usage. Cal charges range from $1.99 to $6.99 per minute, based on origin of call. The Final invoice details all costs. Offer expires 06/30/06. Reside in a Suite at The James Chicago Hotel! For reservations, please call 1-877-JAMES45. The James Chicago represents the foundation of a new brand--one Visit us online at that effortlessly blends modem, residential comfort with classic www.jameshotels.com hospitality. The James Chicago fills the niche between boutique (Promo Code: JAMES), or hotels and traditional luxury hotels by creating a place that is contact your travel professional. T " °JAM ES designed and managed solely for the guest. The James Chicago is pleased to offer a complimentary upgrade to a Studio or Loft and a (CE 107249) $100 gift card towards your meal at David Burke's Primehouse when you pay with your American Express® Card. Rates are based on amiability. Bladcout dates may apply. Valid from 5/1/06 through 9/4/06. These rates canna be combined with any other offers. Now Accepting American Express® Cards! If there are other places where you would like to Norwegian Coastal Voyage - Exploration cruise vacations visiting see the Card accepted, spectacular Norway, Sweden, Greenland, the Arctic and Antarctica. please calf the Customer 1-800-323-7436. www.norweglancoastalvoyage.us. Service number that is located at the top of your statement or the number Bellerose Animal Hospital - A medical, surgical, dental hospital that is on the back of your devoted to patient care and pain relief. 242-01 Jamaica Ave., Card. Bellerose, NY. 718-347-1057. www.bellerosevet.com. (CE 107147) A Voce - Elegant Italian restaurant with Chef Andrew Carmellini, the James Beard Foundation's "Best Chef New York" for 2005. 41 Madison Ave., NYC. 212-545-8555. www.avocerestaurant.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. EFTA01704530 DUPLICATE COPY Aoca Nuatc Page 8 of 8 )00C4 Discover the Convenience of OnlinesOnly Statements Switch to online-only statements today at Still holding on to these paper statements? Let us keep the records vnwv.americanexpress. for you! Did you know that your six most recent statements are online comloollneonly. now? In addition, we have over a year's worth of exact copies of your historical statements available to you within 24 hours of your (CE 107384) request—at no cost! Still think you need that paper reminder? Not to worry, we'll send you a monthly e-mall notifying you that your statement is ready to be viewed online. You'll be able to: • View recent activity since your last statement • Sort through your statement's transaction detail by date, merchant, or amount • Download your transactions into Quicken or Microsoft Money Indulge in the Best That Spring Has to Offer Visit mylifemycard.com/ springwish to access Some of the hottest products for spring will be available at special these savings and more. Cardmember-only prices for My WishList. To kick things off, American Express gives you access to exclusive offers from top-name (CE 107270) merchants—in fashion, jewelry, electronics, entertainment and more, including Blueflye, Overstock.come, f.y.e.e and 1-800-flowers.com'" —starting May 1 through June 30. So, whether you want to drape your neck in shiny baubles or bring out your natural glow with spa products, you can have just about anything you wish for this spring. Terms and concitIons vary by offer. Please visit myllfeinycard.comisprIngwlsh for more details. Take an Extra 15% Off Fine Jewelry & Watches Visit www.Goldspeed. corn and save an Goldspeed.com, with over 20,000 fine and luxury jewelry items in additional 15% off on gold, platinum, diamond and designer styles, has an incredible offer Gold, Platinum and exclusively for American Express* Cardmembers. Save an additional Diamond Jewelry and Name•Brand Watches 15% off Goldspeed's already discounted prices. This exclusive otter when ycu pay with your GOLDSPEED•corn _sweetbrog&Tudino, also applies to name-brand and designer watches eind:to luxury gift • American Express Card. items. With our Gift-wrapping and Gift card service, Goldspeed.com is Use Offer Code: GOLD at a perfect source for Mother's and Father's day gilts, and wedding, checkout. anniversary and engagement gifts. (CE 107389) 30-day return policy on all items on site except items personally engraved or marked Special order, final sale. Free shipping applies to total purchases over $200. Offer expires 6/30/2006. FREE Retirement Guide For your free guide call Ameriprise Financial at It's never too early or too late to start planning for retirement. Request 1-800-952-9271 or visit us your free retirement guide, What You Should Know Before You Retire. at www.amerlprise.com. This comprehensive guide was compiled by a team of specialists at Ameriprise Financial. Formerly Amencan Express Financial Advisors, (CE 107328) Ameriprise Financial Is a financial planning and services company Ameriprise with more than two million clients and 110 years of experience. Brokerage, investments and finandal advisory services are made available through Ameriprise Financial Services, Inc., Member NASD and SIPC, an Ameriprise Financial Company, Ameriprise Financial is no longer owned by the American Express° Company. 0 2006 Ameriprise Financial, Inc. All rights reserved. The Purchase Protection Plan For more information, visit us online at The cat knocked over the brand new vase-good thing you bought it w‘wo.americanexpress. with your Card. The Purchase Protection Plan will repair, replace, or corn/pp. reimburse the amount you charge to the Card for covered items, up CARDMEMBET to $10,000 per Occurrence, if they are accidentally damaged or stolen (CE 107116) BENEFITS within 90 days from the date of purchase. Purchase Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, concfitions, and exclusions of Policy AX0951 and is subject to change with notice. This document does not supplement or replace the Policy. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704531 DUPLICATE COPY 145,13 , 51Morilbsiir*Oka Platinum Card® '41 ab Statement of Account :81016/31/06, War* %be paid PI TO For cosimois 06/11/06 Page 1 of 10 Clagc PrrekusBaWat$ ParwftIXWO$ WeatancePhiege early) ffloweadwie$ Mnftm AmmunDueS Please Pay By 07/06/06 Due in Full 958.47 -958.47 +837.61 887.61 +887.61 Please refer to page 5 on How to Avoid Flexible +614.45 -3,048.37 +3,050.96 +617.04 +20.00 Additional Finance Total 1572.92 -4,006.84 +3,938.57 =1,504.65 • D07.61. Charges. Please refer to page 2 for important information regarding your account Terms - Payable in full upon receipt of statement. Pay your bill online anytime, anywhere at www.amerIcanexpress.com/paybIll. For automatic replacement of a lost, stolen, non-received or damaged card, call 1-800-992-3404. For automatic balance information, please call 1-800-525-3355 and press option 1-1. For assistance or questions about your account, contact us at www.americanexpress.com or call Customer Service at 1-800-525-3355. Book a Special Trip with Platinum Destinations® Vacations For a world of travel adventure, look to Platinum Destinations Vacations. The eleven partners will help you create one-of-a-kind, personalized vacations. Whether your ideal travel experience is a family get-together or a romantic getaway, laid-back beach bumming or non-stop adventure--took to these travel specialists to create the vacation of a lifetime, and you can earn up to 25,000 Membership Rewardse bonus points. Program terms and conditions apply. For full program information, visit www.americanexpress.com/platinum. Reserve your vacation today through Platinum Travel Service at 1-800-443-7672. Aclivity -m" ." 2"Pccw. Amount S for K0504/08•* ses:orplki.gss,pyrigIFIgeyanimpoyoult -95847 • siL-47ectia APOCIE6.10 SIC48*NtairPO e""I' 05/12/06 HO NEW YORK NY 50.81 RESTAURANT FOOD AND BEV FOOD/BEV 42.81 TIP 8.00 + Kw* roe on the perbrafoo bebn, ckt.th and rain with yow Foment Continued on Page Payment Coupon Please Pay By: Please enter account 07/06/06 number on all checks and correspondence. Payable in US Dollars upon receipt Total New Balance with a bank in the US or $1504.65 money order, processable through the US banking Minimum Amount Due system. To Pay by Phone, 1.800- I-PAY-AXP or $907.61 call 1-800-472-9297. Please refer to Page 5 NEW YORK NY 10021 - 6217 on How to Avoid Additional Finance Charges. • Check here it address or Amount enclosed telephone number has changes. Note changes on Mail Payment to: reverse side. AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 kn011 ILOMmdMoLlduldilduddmdM EFTA01704532 DUPLICATE COPY Soma Tante Page 2 of 10 )000C-XXX X S. Payments: Payments received after 12:00 noon may not be credited until the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiable instrument payed° in US dollars and clearable through the US banking system, or through an electronic payment method payable in US dollars and clearable through the US banking system. Your Accovnt number must be inokided on all payments. If To Pay By Phone payment does not conform to these requiements, crediting may be delayed and addtional Charges may be imposed. If we 1.800.472.9297 accept payment made in a foreign currency, we wit choose a conversion rate that is a able to us to convert your payment into US dolars, unless a particular rate is required by law. Please do not send -dated checks. They will be deposited upon rece:pt. Our acceptance of any payment marked with a restrictive legend will not operate as an accord and Customer Service, Lost satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks or Stolen Card and all electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, other services account number and check serial number to your financial institution, unless the check is not trocessatte electronically or a 1.800-525-3355 less costly process is available. By submitting a check for payment, you authorize us to initiate an electronic debit from your 24 hours/7 days bank or asset account. When we process your check eleetronically, your payment may be debited to your bank or asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your bank or Car Rental Loss and asset account statement. If we cannot collect the funds electronically we may issue a draft against your bank or asset Damage Insurance account for the amount of the check. Authorization for Electronic Payments: By using Pay By Computer, Pay By Phone 1.800.338.1670 or any other electronic payment service of ours you will be authorizing us to initiate an electronic debit to the financial account you speedy in the amount you request. Payments received after 500 m. MST may not be credited until the next day. Allocation of Payments and Credits: Subject to applicable law, we willp.apply and allocate payments between your Hearing Impaired Card Account and your Sign & Travel and/or Extended Payment Option Account Of that account has been activate (9am-5pm EST) ("Extended Payment Account') (referred to as 'Account' in the Sign & Travel and/or Extended Payment Option Agreement TTY: 1.800.221-9950 and, within each of these accounts, to Charges in any order and manner determined by us in our sole discretion. In mos FAX: 1-800-695-9090 cases, if you have a credit balance on your Card Account we will not apply or allocate any part of that credt balance to In NY: 1-800-522-1897 any Extended Payment Account unless you contact us at a time the credit balance exists and instruct us in writing how you want us to epply that credit balance. Charge Card and Statement Information: The Annual fee is $395.00 facthe Basic Large Prin t and Braille Card and $175.00 for each Additional Card. An additional $5 is charged for billing addresses outside the US. Payment is Statements due on receipt of your statement. You may discontinue your membership by contacting Customer Service. Transactions Made In Foreign Curtendes: If you incur a Charge in a foreign currency, it wit be cemented into US 1.800525.3355 dollars cn the date it is processedby uS or our agents. Unless a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign Travel Emergency and currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest Worldwide Personal interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business Assistance and Fine day,In each instance Increased by 2°/.. This ocnversrcn rate mayOffer from rates in effect on the date of your charge. Dining Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. Blaine Rights 1-2,00-345-AMEX Summary: In Case of Errors or Questions About Your Bill: If you think your till is Interred, or it you needmoce information about a transaction on your bill, write us on a separate sheet of paper at the Customer Service address Platinum Card Travel noted to the right. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so vtill not preserve your Service and Fine Hotels, rights. In your letter,give us the follovri_ rig information: 1. Your name and account number; 2.The dollar amount of the Resorts & Spas suspected error 3. Describe why you Move there is an error. If you need more information, descrbe the item you are 1-B00-443-7672 unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay theparts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take Platinum Card any,action to collect the amount you question. If you have authorized us to pay your bill automatically frOm your checking or By Invitation Only savings account, you can stop the payment on any amount you think is wrong.-"To stop the payment your letter must reach 1.800321-RSVP us three business days before the automatic payment is scheduled to occur. Special Rule for-Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the mendiant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when-the purchase price was more than $50 and the purchase was Made in your heme state or within 100 miles of your .mailing address. (If we own or operate the merchant, or if 'we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) Customer Service Credit Balance: If a dedit balance (designated CR) is shown on this statement, it represents money owed to-you. If you P.O. Box 7825 C S do not make sufficient charges against the credit baance or request a refund, we will, within 30 days after expiration of Ft. Lauderdale, FL the six-month period following the date 01 the first statement indicating the credit balance, issue a check to you for the credit balance if the amount is $1.00 or more. Important Notice to North Dakota Residents: If the Account is past due 33329-7825 for hvo or more biting periods,a late payment fee of 1.75%of all past due amounts will be added. Express Cash Operations P.O. Box 297815 Ft. Lauderdale, FL 33329-7815 Payments P.O. BOX 2855 NEW YORK NY 10116-2855 Change of Address • To change your address online, visit www.americanexpress.comiupdatecontactinfo coroc: on from • For Name or Company Name changes, please call the Customer Service do not nso 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. Stiost Address COY. SW. Lob Coda Please providesmur Area Code and e-mail address to Herne receive important Area Code and account updates and j Work Phone exclusive Cardrnember Ernst (optimal) offers and benefits. You mayvist the American Express Privacy Statement at www.americanexpress.convprivacy for more details and to set your email preferences. 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Page 4 of 10 Accord Numbet Flexible Payment Option Statement of Account xxxx-xxxx Creditor: American Express Centurion Bank Ocaig Da 06/11/06 Thank you for using Flexible Payment Option. Account Minimum Payment Summing; Payment S Due Date Previous Balance 614.45. 20.00 07/05;06 Payments/Credits -3,048.37 FINANCE CHARGE 0.00 New Charges 3,050.96 New Balance 617.04 Finance Charge Balance(s) to Which Average Daily Annual Daly Period° Please refer to page 5 Schedule Rate Applies Balance Percentage Rate Rate for important information ALL $0.00 17.99 % .0493% regarding your Sign & Travel and/or Extended Certain of the periodic rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Amount $ S&T and/or ExPO A tivity for 05114/ 1VciPUTER PAYMENT RECEIVED — THANK YOU 475.60 0E/24{06 COMPUTER PAYMENT RECEIVED -THANK YOU -1,000.00 OS/03/05 COMPUTER PAYMENT RECEIVED-- /HANK YOU -1,000.00 05/11106 POLO RETAIL CCRP REF K:93212502040539 -' 37 85 REF. CREDIT #99313490299769 ($ 137.85) GE/16/26 POLO RETAIL CORP FIEF #993279502699E9 -254.68 REF. CREDIT fi9932112,0316859 ($ 431 33) 0F118.106 POLO RETAIL ccagigp 13580172949 -17665 REF. CREDIT paggiikipt 4.31.33) 05/17/06 FINANCE CREDI -2 59 05/11106 POW RETAIL CORP NEW YORK NY 919.02 GENERAL MERCHANDISE 05/12/06 POLO RETAIL CORP NEW YORK NY 216.21 GENERALMERCHANDISE 05/13/06 POLO RETAIL CORP NEW YORK NY 431.33 GENERAL MERCHANDISE 05/18/06 POLO RETAIL CORP NEW YORK NY 1,12757 APPAREUACCESSORIES 05/30/06 RENT A BUGGY LTD TURKS & CAICO TO 71.60 CAR RENTAL AGENCIES 05/30/06 BERGDORF GOODMAN NEW YORK NY 211.33 CREME DE LAMER 05/30/06 MTA NYCT BROOKLYN NY 20.00 MVM METROCARD 06/09/06 HENRY'S CAR RENTALS ST.BARTHELEMY 54.00 Rental Date: 06/09/06 Return Date: 06/09/06 Agreement Number: 88 Reference Number: EEN Total of S&T and/or ExPO Activity New Charges 3,050.96 Payments/Credits -3,040.37 Continued on next page EFTA01704535 DUPLICATE COPY Aoccort Nutter Clndrg Cite Page 5 of 10 it= XX>0<-)O0OO 06/11/06 Important Sign & Travel and/or Extended Payment Option Information Billing Inquiries Finance Charges: Average Daily Balance (ADB) Method for Calculation of Finance Charges (FC): We LAB the Customer Service ADB method to calculate FC on your Account. Under this method, we calculate the FC on your Account by applying the I.800.525-3355 Daly Periodic Rate (DPR) to the ADB (as described below) (inducing current transactions). To get the ADB, we (1) (24 hours, loll free) take the beginning balance for each day (including unpaid FC from previous billing periods), (2) add any new transactions, debits or fees, (3) subtract any payments cc credits creceted as of that day, and (4) make any appropriate Address ac4ustments. For each day after the first day of the billing period, we also add an amount of interest equal to the American Express previous days daily balance multiplied by the DPR. This gives us the daily balance for that day and the beginning Customer Service balance for the next day. If this balance is negative, it is considered to be zero. Then, we add up ail the daily balances P.O. Box 297807 for the tang period and divide the total by the number of days in the tilling period. This gives us the ADB. The ADB for a tilling period will be considered zero it you paid the total New Balance, if any, shown on your previous tilling Ft. Lauderdale, FL statement by the Closing Date of the current billing period. If you multiply. the ADB by the number of days in the billing 33329.7807 period and the DPR. the result via be the FC assessed, except for vacations caused by rounding. This method of calculating the ADB and FC results in daily compounding of FC. The information on page 2 of your statement concerning Payments Authorization for Electronic Debit, Authorization for Electronic Payments, Allocation of Payments and Credits, Transactions Made in Foreign Currencies, Billing Rights Summary, Special Rule for Credit Card Purchase and Credit Balance also apdieslothis Account. EFTA01704536 DUPLICATE COPY Ili— vocvozoo Page 6 of 10 EFTA01704537 MembeRAWWI/AV:is Page 7 of 10 Monthly Statement and Program News For questions about your Statement Period Membership Rewards account, contact May 1, 2006 - May 31, 2006 1-800-AXP-EARN Account activity after this period does not appear on this statement (297.3276) wvnv.americanexpress.conVrewards Available Points liertersa IllavardsS Acoant Nutter American Express 145,131 Membership Rewards P.O. Box 297813 Points are available when cha. ges are Earn Double Points for all Ft. Lauderdale, FL 33329-9785 paid in lull and all your accounts are in Everyday Spend Points your Everyday Spend • acod standing. earned this period: groceries, gas, pharmacy Available points Include Everyday Spend Points. 108 Account Summary Opening points balance 143,450 New points earned +1,681 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance =145,131 New Points Earned 05/01/06 05/31/06 Points Activity On Everyday Spend Bonus Points Total Points Activity Eligible Charges Points Awarded Per Card Platinum 1,573 108 0 1,681 )0(XX-XXXX Totals 1,573 108 0 1,681 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms and Conditions in your Membership Rewards Guide. If you have questions, please visit www.americanexpress.com/rewards or call 1.800-AXP-FARN (297.3276). From overseas, call collect 305-816-2799. Fly Far or Near with Delta Delta is now offering more flights between the United States To learn more about these and destinations across Europe, India and Israel than any rewards and redeem Delta points, visk other U.S. airline. Included in its international expansion is www.americanexpress. new or increased service to nine destinations across the com/rowards or call Atlantic: Kiev, Moscow, Istanbul, Dusseldorf, Budapest, 1.800-AXP•EARN Athens, Nice, Stuttgart, Mumbai and Chennai, India (via (2974276). Paris). (MR Message 0358) Tiara and tendout el *4 Mamba say Rowaxli and SaylhW pestan apply. Fa menIthernatices visa wan/smiles'wisplas stamtewards. Enjoy the Benefits of the Starwood Preferred Guest® Program When You Stay at Westin! As a Starwood Preferred Guest member enjoy free night To review these rewards awards at over 135 Westin Hotels and Resorts Worldwide and redeem points, Vsit wirmemericanexpress. when you redeem Starpoints®. You can also redeem your comtrewards or call STARWOOD PRIFIRRII0 GUIST Starpoints at Sheraton®, Four Points® by Sheraton, St. 14300•AXPIARN Regis®, The Luxury Collection®, W Hotels®, Westin®, and (297-3276). now Le Meriden® Hotels and Resorts Worldwide. 1,000 (MR Message 7062) Membership Rewards® points equals 333 Starpoints. Call 1-888-625-4988 or visit www.SPG.com to join the Starwood Preferred Guest program today. SslaXel lo al lams an] etedilans d ihe StSAVCC4 Preferred Glatel provsn. To asaeamS'assoras win avaccd Preferred Guest nrabets must have a qualfitd slay al a parfejoaling hart or resat posted to U•sir scours wain Ve past 12 wets. Ava ltrtybavdon gardarn Kam an)y. 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. EFTA01704538 American Express • TE COPY Page 8 of 10 Shop at Loehmann's • Earn Double Points! Of course you can be indulgent and sensible at the same Earn double Membership time. Loehmann's has a wide variety of top brand names to Rewards points at Loehmann's, May 3 - brighten up your spring wardrobe. Now you can earn double LOEHMANN'S Membership Rewards® points for any single purchase of July 4, 20061 $125 or more from May 3-July 4, 2006 at Loehmann's. (MR Bonus ID 1478) alp voter fat padres mole May 3-July 4, 2005 calf sod ra wed come= pursue. Earn dad* Mentershp Plotarcb cob* co any sing* purctese as125 or nee. To be *DP to earn taws pares roar to enicilid inPo Llarbente,Records pacer (ticarar) at,e Eno d Nrchasoard you mutt drys your pasha. co pi eltstie. emceed ArnerimnEwer. Card Boon coils pi bo MOW toMs Probtaroasrtoi TotiP D•13 weeks Tit" Thwato MOP on your Way s'alorrat litmus ID: UT& Earn Bonus Points at Loews Hotels There's no time like now to join the LoewsFirst frequent Earn bonus points at guest program. In addition to VIP extras like room upgrades Loews Hotels. For more a Information or to enrol in and late checkout, you can also choose to earn 500 the LoewsFirst program, Membership Rewards® bonus points with every stay. Select visit www.loewstirst.com. LOEWS HOTELS Membership Rewards points as your welcome amenity and Be sure to choose earn 500 bonus points with every qualified stay. Membership Rewards bonus points as your Cfler pad trough 12/310)6. To earn MerriberdiF Reweids bean points you mat Co read in bolt be Icewerrut 8 Sherbarstia Ravasds ;Parrs at the line el day. You rent ar tamrpm Irrtentip welcome amenity. Ramada !cod pirts n the welccmo rarity an far LoomFird rooter par DM you must charge (MR Bonus ID 7403) Fr slay toPo soya elates Warkerdia Pant program ended AmeranExxma Cat Worded P you LowysFirtil map rale.A p—rir day h a nem:recta* are Wet MALCOM) HMS ay tily putashei rda. Farr pie*,MI be eddied yaw Lteroteetra&Pewa so:cul ern 10.12 week, ear chips Wow en ass bilnu parrerl. ars to ID: 7403. Brand New Offer from Callaway Golf•Odysseye White Hot® NG' # 1 Putter The Odyssey White Hot XG Putters have multi-layer insert To redeem, visit www.amertcanexpress. cattalos® technology for the softest, most responsive putter we've ever created. contrrewanis. Or call 1.800-AXP-EARN (2974276) by July 15, Redeem today for only 15,000 points. Reward Code: 2006. CWG145. Offer Expires 7/15/06. (MR Message 1279) Tams ant cur lore cite Parterre Rehash program COY. Plan Your Next Trip with Hertz! Take a weekend road trip or side trip on your vacation with To learn more about these Hertz. Redeem Membership Rewards® points for Hertz rewards and redeem points, visit certificates that are easy to use and convenient. They can be WWW.8111edcanexpress. used at any of the thousands of Hertz corporate locations comfrewards or call Rent Wisely worldwide toward rental charges and optional services such 1.800-AXP-EARN as Hertz NeverLoste and SIRIUS Satellite Radio (available at (297-3276). select locations in the US). Choose a $50, $75, $100, $200 or (MR Message 8410) $300 reward toward your next rental with Hertz. Tors ant cored= ti the Mentera Remade MCOsern aPPY. lot moo intorrnalke vol www.orriericonexpiesscoatttreds. Get a Hot Ticket Across the Pond on Virgin Atlantic Airways! To loam more about these C virgin Enroll in Virgin Atlantic's award-winning loyalty program, Flying Club, and redeem Membership Rewards® points for miles, where upgrades await. Virgin Atlantic offers innovation in the sky, Premium Economy boasts a larger seat and rewards and redeem points, visit waw.amoricanoxpross. corn/rewards or call Priority Boarding and Upper Class hosts an onboard bar, 1.600-AXP-EARN atlantic massages and complimentary limo transfers, for starters. (297-3276). Purchase a full-fare ticket in Economy (Y or B class) or (MR Message 2121) Premium Economy (W or S class) and upgrade today. Terns ant cordecra al the Marterstia Rascuds pewees acply. For ape ialcaratoe: Wu wirranrconexprencorrcwares. 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. EFTA01704539 DUPLICATE COPY Or . Accost Number ciecirg out, Page 9 of 10 xx;ow000c 06/11/06 CustomExtras" Enjoy Fine Dining Around the World To make a Fine Dining reservation, please call For dinner reservations across town, across the country, or across 1.800-345.2639, the ocean, look to the Fine Dining program available to you as a option 2. Platinum Card® member. Every day, a reservation is held at more than 1,000 of the most highly acclaimed restaurants worldwide. So (CE 107414) when the need arises for a reservation at a hometown favorite or an outstanding restaurant in another city, Fine Dining can help. Reservations are provided on a first-come, first-saved basis, so please call as early as pmsibie. AN cancellations must be made by calling Platinum Card Concierge at least 24 hours in advance of the reservation, otherwise a $15-per-person cancellation fee ($60 minimum $120 maximum) will apply. Complimentary Hertz #1 Club Gold® Membership To enroll In #1 Club Gold online, visa As a Platinum Card® member, you are invited to enjoy a Eri vAvw.americenexpress. complimentary membership in Hertz #1 Club Gold, our fastest, com/platInum and dick easiest way to rent a car at over 1,000 locations around the world. "Travel" or call Platinum Card Customer Service at CARDUEMBER Platinum Card members enrolled in #1 Club Gold also enjoy a free 1.800-4253355 to • BENEF.IS one-car-class upgrade with every rental of a Compact through request a Hertz Full-Size car where available. enrollment M. Card members have to enroll in Hertz #1 Club Gold to become members. Minimum age for enrollment is 21, age differential charges and certain exceptions apply. Upgrades are (CE 107413) subject to Reet availability at time of rental. Standard rental terms and conditions apply. The Hertz name and logo and Hertz #1 Club Gold are registered trademarks of Hertz System, Inc. Call 1.488-3-A-PLDS-6 + Earn a Free* Ticket Faster with AirTran Airways or visit vninv.airtran.com/ For every eligible one-way coach ticket purchased with your amex for more details. American Express® Card, get 1/2 bonus credits in addition to the 1 a flight credit normally earned. For every one-way AirTran Business (CE 107302) Class ticket, get 1 bonus credit in addition to the 1.5 normally earned. With only 8 credits required for a one-way flight, you can be on your way to free* travel before you know it. REWARDS' 'Must be enrolled in A+ Rewards. A+ Rewards seats are subject to dates, availability, taxes, and fees. Cther terms and conditions apply. Go to wvnitairtran.com/amex for more details. Offer ends 12/31/2006. Earn Up to 81,500 or More in American Express Gift Cheques To take advantage of these special Buy or sell a home through a national network of real estate Cardmember savings on professionals who specialize in relocation, receive personalized moving and real estate attention and expert home sales/purchase guidance, and earn $50 services, please call 1466-214-1616 or visit MyMove American Express Gift Cheques for every $10,000 of home value on a home purchased and/or sold through a program-referred real estate http://ae.movebenefits. coin by December 31, Benefits .„... agent. Plus, use your American Express® Card to get special savings on long distance moving with Allied or North American Van Lines. 2006. (CE 107404) State and usage restrictions apply. To receive the move savings for American Express Cardmembers, you must initiate your move through this program. See website for details. To receive, you must close transaction with program-referred real estate agent. Imagine a Good Thing - Only Better Visrt www.mylifemycard.com/ That's what American Express is doing when it comes to your family familyvacatlon and trip. We're adding a little something extra so you can save even surprise the whole family, more. After all, what's a family vacation without a few pleasant including yourself. surprises? And we've got a few in store for you like special offers (CE 107450) from Hertz, Hilton, and Delta. So whether it's a restaurant rebate or a car rental upgrade, American Express plans to help make your family trip that much better. 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. EFTA01704540 DUPLICATE COPY Page 10 of 10 Ar*urIX XXXXXXaN-unber Exclusive Travel Insurance Services for Your Next Getaway To enroll or to learn more, visit us at Worry about what you're wearing on the plane--not about your travel vrvrw.americanexpress. .. -, insurance. For peace of mind about your vacation plans, enroll in cornfas. travel insurance products exclusively for American Expresso Cardmembers. Select the coverage that best suits your needs: (CE 107396) Automatic Flight Insurance, Premium Baggage Protection, Travel Delay Protection, and more. These products are underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, concfitions, and exclusions of the Policies and is subject to change without notice. Join Us - Support Boys & Girls Clubs of America Visit www.myktemycard.comi American Express is proud to support the 2006 Centennial donatebgca for more 1 EN A., Celebration of Boys & Girls Clubs of America. Help create 100 more information or to make a t' - .. years of hope and opportunity for kids by donating to BGCA. For donation. et? V every donation made with an American Express® Card, we will CY t e (CE 107405) sonIL GRIJOa donate an additional $5. ralie 2 0c 6 &samosa.owe*mren American Express will donate an additional $5 for every donation made with an American Express Card, up to $25,000, through December 31, 2006. Additional $5 donation is not tax deductible. Now Accepting American Express® Cards! If there are other places where you would like to Drexel Heritage - Welcome home to where over 95% of our products see the Card accepted, are yours to personalize. Visit www.drexelheritage.com to view our please call the Customer complete line of home furnishings. Service number that is located at the top of your statement or the number Buddha Bar NYC - Our chefs otter a deliciously unique cuisine, that is on the back of your combining the bold flavors of Asia with delicate French essences. 25 Card. Little West 12th Street, New York, NY. 212-647-7314. (CE 107293) Ribot - Inventive but familiar Italian dishes stand out on a fresh and seasonal menu. A spacious outdoor café and bar complement the warm indoor dining room. www.ribotnyc.com. The Purchase Protection Plan For more information, visit us online at The cat knocked over the brand new vase--good thing you bought it www.american with your Card. The Purchase Protection Plan will repair, replace, or express.com/pp. reimburse the amount you charge to the Card for covered items, up to $1,000 per Occurrence, if they are accidentally damaged or stolen (CE 107461) within 90 days from the date of purchase. Purchase Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Pdicy AX0951 and is subject to change with notice. This document does not supplement or replace the Policy. Save Time Paying Your Bills with the Card Visit www.american express.com/abp45 for Enjoy the time-saving convenience of using your Card to pay your more information. bills. You can consolidate your payments and make sure your bills are paid on time. And, you're backed by the security of American (CE 107458) Express. Contact your providers directly and tell them to charge your monthly bills like cable/satellite to your Card. Terms and conditions apply. Not all providers service all markets. In some instances it may take more than one billing cycle before initial paid amounts are posted to the Card account. Please remember to cancel these payments with your service provider if you dose your Card account, and advise your service provider if your Card account number changes. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704541 DUPLICATE COPY 1as sso . Membership Platinum Card® poiiitt:AVailikilialY" • Statement of Account at 06/30/05:setlell charges due Sib% full and all octants:ate in- good st Closing Dem 07/12/06 Pagel of 8 AlemiCharges$ (leFirsarceOlave Minimum Please Pay By Preview Beret S PassnertsA:teitis S irany) New &trice $ Amount Due $ 08/06/06 Due In Full 887.61 -996.61 +868.06 759.06 +759.06 Please refer to page 4 on How to Avoid ReAble +617.04 -20.00 +1,477.53 +2,074.57 +42.00 Additional Finance Total 1,504.65 -1,016.61 +2,345.59 =2,833.63 801.06 Charges. Please refer to page 2 for important information regarding your account Terms - Payable in full upon receipt of statement. Pay your bill online anytime, anywhere at www.amerIcanexpress.com/paybill. For automatic replacement of a lost, stolen, non-received or damaged card, call 1-800-992-3404. For automatic balance information, please call 1-800-525-3355 and press option 1.1. For assistance or questions about your account, contact us at www.amerIcanexpress.com or call Customer Service at 1-800-525-3355. Become a Sony VIP and Receive a $150 E-Credlt with Purchase Sign up for Sony VIP Services and enjoy privileges such as a personal shopper, priority availability on new products, preferential technical support, and more! Through August 31, 2006, you'll also receive a $150 E-coupon with your first purchase of $1,000* with Sony VIP. promo code SVAXP2. Request your Sony VIP status today by calling Sony at 1-877-216-7669. *Excludes VAI0=0 PCs, extended service plans, shipping, installations, equent purchase and must be redeemed through Sony VIP Services only by October 31, 2006.and pre-order items. First purchase of at least $1,000 (not including tax) must be completed by August 31, 2006. Promotion limited to in-stock items only. E-coupon must be used towards a subsequent purchase and must be redeemed through Sony VIP Services only by October 31, 2006. Activity maim room Gam Amount $ t3/06. 997Atce).$L8gPXCIT(.6. „Pv,I25.eNic5Y0P) 48760 29.99/rALIk93:9,6901/4TWEY6x".,t 07/10/0W(CLUB140NACOrr:IINEW YORK • ,;-!;: • mwEv1/409is!„ 06/16106 HALLAK AND SONS CLEAHACKENSACK NJ 77.00 CLEANING SERVICE/SUPPLY Pr se kid en tie lierbralea Ww.&tech aid relumvillis yew permed Continued on Page 3 Payment Coupon Please Pay By: Please enter account 08/06/06 number on all checks and correspondence. Payable In US Dollars upon receipt with a bank in the US or Total New Balance money $ 3,83163 throughorder, processable the US banWng Minimum Amount Due system. To Pay by Phone, $801.06 call 1.800- I-PAY-AXP or 1-800-472-9297. Please refer to Page 4 1 - 6217 on How to Avoid Additional Finance Charges. LAM.M..... • Check here if address or Amount enclosed telephone 'amber has changes. Note changes on Mail Payment to: 1111'111'1'1113d reverse side. AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 IMOD I Ill, III 'III!II II I I I LIMO I III II II EFTA01704542 DUPLICATE COPY Mei Amara wan Page 2 a8 >CCIWCC°3.M. Payments: Payments received after 12:00 noon may not bo credited until the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must bemade with a single chedc or draft drawn on a US bank and payable in US dollars, or with a negotiable instrument matte in US dollars and clearable through the US banking system, or through an electronic payment method payable in US dollars and clearable though the US banking system. Your Account number must be included on at payments. If To Pay By Phone payment does not conform to these requirements, crediting may be delayed and additional Charges may be imposed. If we 1.800472.9297 accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment Into US dollars, unless a particular rate is required by law. Please do not send post-dated checks. They will be Capes ted upon receipt. bur acceptance of any payment marked with a restrictive legend will not operate as an accord and Customer Service, Lost satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks or Stolen Card and all electronically, at first presentment and any re-presentments, by transmitting the arnount of the check, routing number, other services account number and check serial number to your financial institution, unless the check is not prooessable electronically or a 1-800-525.3355 less costly process is available. By submitting a check for payment, you authorize us to initiate an electronic debit from your 24 hours/7 days bank or asset account. When we process your check electronicaly, your payment may be debited to your bank or asset account as soon as the same day we receive your check, and you wit not receive that cancelled check with your bank or Car Rental Loss and asset account statement. If we cannot collect the funds eledroncally we may issue a draft against your bark or asset acoount for the amount of the check. Authorization for Electronic Payments: By using Pay By Computer, Pay By Phone Damage Insurance cr any other electronic payment service of ours you wit be authorizing us to initiate an electronic debit to the financial 1-800.338.1670 account you specify in the amount you request. Payments received alter 5:00 p.m. MST may not be credited until the next day. Allocation of Payments and Credits: Subject to applicable law, we will apply and allocate payments between your Hearing Impaired Card Account and your Sign & Travel and/or Ex ended Payment Option Account (if that account has been active! (9arn-5pm EST) ("Extended Payment Account") (referred to as 'Account' in the Sign & Travel and/or Extended Payment Option Agreement TTY: 1-800-221-9950 and, within each of these accounts, to Charges in any order and,manner determined by us In our sole discretion. In mos FAX: 1.600.695.9090 cases, it you have a credit balance on your Card Account we will not apply Or allocate any part of that credit balance to In NV: 1.800.522.1897 any Extended Payment Account unless you contact us at a time the credit balance exists and instruct us in wnting how you want us to apply that credit balance. Charge Card and Statement Information: The annual fee is $395.00 for the Basic Large Print and Braille Card, $175.00 for up to three Additional Platinum Cards prij•our Account and $175.00 for each Additional Platinum Card Statements onyour Account after the first three. The annual fee is $45.00 for up to five Additional Gold Cards on your Account and $45.00 for each Additional Gold Card on your Account after the first five. You may discontinue your membership by 1-800-525-3355 contacting Customer Service.Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date k is processed by us or our agents. Unless a particular rate is required by Travel Emergency and applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use Worldwide Personal for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government Assistance and Fine agency, or (b) the highest interbank conversion rate identified btus from customary banking sources, on the conversion Dining date or the prior business day, in each instance Increased by 2%. This conversion rate may differ from rates in effect on 1.800-345-AMEX the date of your charge. Changes converted by establishments (such as airlines) will be billed at the rates such establishmenieuse. Egging Rights Summary: In Case of Errors or Questions About Your Bill: If you think your bill is Platinum Card Travel incomect, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the Service and Fine Customer Service address noted to the right. We must hear from you no later than 60 days alter we sent you the first bill on Hotels, which the error or problem appeared. You can telephone us at the number indicated on the front of this statement, but doing Resorts & so will not preserve your rig tits. In your letter, give us the following information: 1. Your name and account number,- 2. The 1-800-443-7672 dollar amount of the suspected error; 3. Descnbe why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still Platinum Card obligated to pay the parts of your bill that are rot in question. While we investigate you question , we cannot report you as By Invitation Only delinquent or take any action to collect the amount you question. If you have authorized us to pay your bit automatically from 1.800321-RSVP your checking or savings account, you can stop the payment on any amount you think is wrong. To stopthe payment your letter must reach us three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: if yenthave a problem with the quality of goods or services that you pun:hatedWare credit card, and you have tried in good:faith to correct the problem with the merchant, you may not have to patthe temaihMIamount due on the goods or se-vices. You have this protection only When the purchase once was more than $50 and the purchase was made in S your home state or within-100 mies of. your-mailing-address. (If we own or operate the merchant, or.if we mailed you the Customer Service advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) Credit Balance: If a credit balance (designated CR) is shown on this statement, it represents money owed to you. If you P.O. Box 7825 C.S do not make sufficient charges against the credit balance pr request a refund, we will, wIthin 30 days after expiration of the Ft. Lauderdale, FL six-month period following the date of the first statement incficating the credit balance, issue a check to you for the credit 33329-7825 balance if the amount is $1.00 or more. Important Notice to North Dakota Residents: litheAccount is past due for two or more billing periods, a late payment fee of 1.75%of all past due amounts will be added. Express Cash Operations P.O. Box 297815 Ft. Lauderdale, FL 33329.7815 Payments P.O. BOX 2855 NEW YORK NY 10118-2855 Change of Address • To change your address online, visit vnviv.americanexpress.comiupdatecontactinfo II coned on 'tor: • For Name or Company Name changes, please call the Customer Service do nit uao 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 Adams GM. Stile zip Code Please provide your Area Code and e-mail acktess to Mane Phone receive important AseaCcde and mimill account updates and Wak Phone exclusive Caromember Fined (*inn* offers and benefits. You mayvisit the American Express PdvacyStatement at VW/W. americanexpresszonSivacy for more details andtoset your email preferences. EFTA01704543 DUPLICATE COPY Accourd Nato: Claim Oss. Page 3 of 8 NIS )0000000CM 07/12/06 A71104mt Transactions Continued 06/23/06 EQUINOX COLUMBUS C 212-881.0425 NY 150.00 HEALTH SPA 06/29/06 SEPHORA #336-67TH STNEW YORK NY 87.24 COSMETIC STORE 06/30/06 BLISS SPA 857 NEW YORK NY 138.21 SPA EXPERIENCE 06/30/06 5 NINTH NEW YORK NY 63.15 NY RESTAURANT ASSOC FOOD/BEV 53.15 TIP 10.00 06/30/06 CLUB MONACO NEW YORK NY 178.00 GENERAL MERCHANDISE 07/01A)6 HQ NEW YORK NY 16.01 RESTAURANT FOOD AND BEV FOOD/BEV 13.01 TIP 3.00 07/01/06 DOGGY STYLE, NYC NEW YORK NY 21.41 GENERAL MERCHANDISE 07/02/06 J MC LAUGHUN SOUTHAMPTON NY 35.67 WOMENS ACCESSORY 07/02/06 EXXONMOBIL5906190433MANORVIL NY 52.86 PAY AT PUMP5906190433 07/04/06 US SEARCH 888-999-4384 FL 14.95 INFORMATION/SERVICES 07/04/06 VIRGIN MEGASTOR 5343NEW YORK NY 33.56 40 CD'SNIDEO/CASSETfES Total of Card Transactions New Charges 868.06 Payments/Credlts -996.61 Flexible Payment Option Statement of Account /cooedNumber XXXX- Creditor: American Express Centurion Bank Claim Date 07/12M6 Thank you for using Flexible Payment Option. Account Minimum Payment Summary $ Payment $ Due Date Previous Balance 617.04 42.00 08/06/06 Payments/Credits -20.00 FINANCE CHARGE 18.42 New Charges 1,459.11 New Balance 2,074.57 Finance Charge Balance(s) to Which Average ily Annual Daily Periodic Please refer to page 4 Schedule Rate Applies ce Percentage Rate Rate for important information ALL $1,18676 18.24 % .0500% regarding your Sign & Travel and/or Extended Certain of the periodic rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Amount S ctivity for ''.O6/13/06t. 3/COMPUTER PAYMENT RECEIVETP-'114S 'MOO 06/25/06 BERGDORF GOODMAN NEW YORK NY 432.42 GOODS AND SERVICES 07/01/06 JEFFREY 80002 NEW YORK NY 56128 03 CLOTHING 07/03/06 POLO RETAIL CORP NEW YORK NY 44531 GENERAL MERCHANDISE Continued on reverse EFTA01704544 DUPLICATE COPY OM= S&T and/or ExPO Activity Continued Page 4 cf Amount $ 07/04/03 MTA NYCT BROOKLYN NY 20.00 MVM METROCARD Total of SAT and/or ExPO Activity New Charges 1,459.11 Payments/Credits -20.00 Important Sign & Travel and/or Extended Payment Option Information Billing Inquiries Finance Charges: Average Daily Balance (ADB) Method for Calculation of Finance Charges (FC): We use the Customer Service ADS method to calculate FG on your Account. tinder this method, we C2Jculate the FC on your Account by applying the 1.800.525.3355 Daily Penodic Rate (DPR) to the ADB (as described below) Ondudvg current transactions). To get the ADB, we (1) (24 hours, toll free) take the beginning balance for each day (inducing unpaid" FC from previous biting periods), (2) add any new transactions, debits or fees, (3) subtract any payments or credits credited as of that day, and (4) make any appropriate Address adjustments. For each day after the first day of the billing period, we aLso add an amount of interest equal to the Amencan Express previous day's daily balance multiplied by the CPA. This gives us the daily balance for that day and the beginning Customer Service balance for the next clay. If this balance is negative, it is considered to be zero. Then,. we add up all the daily balances P.O. Box 297807 for the billing period and divide the total by the number of days in the billing period. This gives us the ADB. The ADS for Ft. Lauderdale, FL a billing penod will be considered zero if you pad the total New Balance, d any, shown on your previous billing statement by the Closing Date of the current billing period. If you multiply, the ADS by the number of days in the billing 33329-7807 period and the DPR, the result will be the FC assessed, except for variations caused by rounding. youre of calculating the ADA and FC results in daily compounding of FC. The Information on page 2 of statement concerning Payments, Authorization for Electronic Debit, Authorization for Electronic Payments, Allocation of Payments and Credits, Transactions Made in Foreign Currencies, Billing Rights Summary, Special Rule for Credit Card Purchase and Credit Balance also appliestothis Account. EFTA01704545 MembeRfilicifgfartle Page Sol 8 Monthly Statement and Program News For questions about your Statement Period Membership Rewards account, contact June 1, 2006 - June 30, 2006 1.800-AXP-EARN Account activity after this period does not appear on this statement (297-3276) vonny.americanexpress.com/rewards Available Points American Express 148,560 Membership Rewards P.C. Box 297813 Points are available when charges we Earn Double Points for all Ft. Lauderdale, FL 33329-9785 paid in full and all your accounts are in Everyday Spend Points your Everyday Spend - good standing. earned this period: groceries, gas, pharmacy Available points include Everyday Spend Points. 62 Account Summary Opening points balance 145,131 New points earned +3,429 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance =148,560 New Points Earned 06/01/C6 - 06/30/06 Points Activity On Everyday Spend Bonus Points Total Points Activity Eligible Charges Points Awarded Per Card Platinum 3,367 62 0 3,429 XXXX-XXXX) Totals 3,367 62 0 3,429 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated fora fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms and Conc5tions in your Membership Rewards Guide. If you have questions, please visit wvnv.americanexpress.comrrewards or call 1.800-AXP-EARN (297-3276). From overseas, call collect 305-816-2799. Earn Double Points When You Purchase a Camera or Camcorder at SonyStyle.coml Earn double points from 6/1/06 to 7/31/06 when you Valid only at purchase a digital camera, camcorder, photo printer or www.sonystyle.com or by calling son)/ style digital imaging accessories at SonyStyle.com. Sony 1-8774365-SONY and Cyber-Shote digital cameras make it easy and fun to shoot enter promotion code: and share. With Sony Hanciycame camcorders, you can Amex2006. Offer may not record direct to DVD or with the reality of high-definition. be combined with other offers and not valid on Townbean port, you nut be enrolled in the hlombinhio Beeemist5 pogrom Moreeni se Mare previous purchases. of putchase and tioununt avocet pan purchase on an Oi2010.1ifitadd ATOrkal Ewa.. eat& Bonus (MR Bonus ID 5245) pants wit be <Weed nt tour Proyam atnecat I0.12 weeks ante elorges appear en your statement. Bonus a 5245. Buns eon: w,qn e be acolaltobacloorcia at are rot void onto od shap rg. Veld My at vnwv.sonystylecom or 1417355-5O.1Y. Boren pares are awarded crime aµuuenoses of/14M* (no oat nwrobandise) coral catacas aid CarteXodErs (edOeidUal SBA ard camera loundk4 leautle4 and(Wel Union, axonal.; Knee ra include softweee Oansaa). Fly to Mexico with AeroMexicol Aeromexico, Mexico's largest airline, serves 40 cities in To learn more about these Mexico, more than any other airline, and 14 gateway cities in rewards and redeem CWR zeedene e oceIP the United States. Enjoy food and complimentary cocktails points, visit www.americanexpress. AEROMEXICO. on every flight to Mexico, even in Coach. Aeromexico has coin/rewards or call become the leading carrier in the region by maintaining the 1-800-AXP-EARN highest service levels, which have earned the airline (297-3276) numerous top rankings in the industry. Transfer Membership (MR Message 8383) Rewardse points today to the Aeromexico loyalty dub, Club Premier® and enjoy outstanding service to Mexico! Tome ardcordifews of the Morrborthp Rcwaids Fagan; *Ph. For more irFomkoMmt mul www.amedeonexpancornfraward* 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. EFTA01704546 American Express• ATE COPY Ff2.71Vt: .1 MEMO LB SHIP • ' Hinter Page 6 of 8 S:. -:.•,. .....,_ _ .._,ti Earn Double Points Every Day from Signature .signature Days! Signature Days Gift Cards offer the perfect gift--a memorable Signature Days has the 4 days olive it day to remember. experience. Your recipient can drive their dream car, learn to skydive, golf on one of the world's finest courses, relax at a luxurious spa, or enjoy a meal prepared by a personal chef--more than 1,500 different activities nationwide. Use your American Express® Card and earn double Membership Rewards® points! perfect experience for every occasion. Visit www.sIgnaturedays. corn and start earning double points today.The experience of a lifetime is just a dick away! oiler veld drove. 12/3146. To be ebatte le own bents pyirra, you must be waled in to Lftentaship (MR Bonus ID 5132) Retarcb pagan et the Ibie S pwaffso ad thaw your putout tows treble, orroledMerest Express Cad. Some pcinff ail be osoWed o yar account with 6-e wails dot &mom gigot en your taro daltried. Saws 0:5132. Earn Bonus Points at Wyndham Hotels & Resorts • Every Time You Stay! Membership Rewards® enrollees who are also members of Earn 500 bonus points Wyndham ByRequest can earn 500 bonus points every time every time you stay at iThWYNDHAM they stay at Wyndham Hotels & Resorts. Simply specify Wyndham Hotels & Resorts. See wyndham. vir Hams& RES0RTS Membership Rewards points as your loyalty currency by entering your American Express® Card account number comrmembershlp rewards for complete when you enroll in the Wyndham ByRequest program. details or to join the complimentary Wyndham Cffer veldIhrotialit2/3106. Beatop; on b-avel setae% doe than 'Atrdhantown, are rot 10:4•• log Written, bases, kolucfrg scents. See www.wyndham.eornimemberstilprewards ByRequest program. far deteas. oT wmborelip Remises bonus Orb. Su must be ewe&el n the biostesshia (MR Bonus ID 2395) Retards program andIS Medusa Bettliquedprawn at to line et slay and yeziRmust chug your stay co the savantbk.onward kneiarnErrasC jis ad in Yoewmdlum pelts eel be croditd lo your Merrbersht stud with 1012 weeks offer stay is couplets:1 Bonus 10:2395. Redeem Membership Rewards® Points for Pottery Barn® At Pottery Barn. Membership Rewards enrollees can shop for For a store near you or to home furnishings of exceptional comfort, style and quality. request a catalog, visit www.potterybam.com P 0 TTL IIYBA IIN Pottery Barn's designers draw inspiration from around the or call 1.00-922.5507. world to create an exclusive collection of furniture. (MR Message 6289) Limited Time Offer-from Tumi Tumi Zip-Around Letter Pad Only 17,000 Points Crafted from Tumi's signature full-grain napa leather, this To redeem, visit product features turned edge construction, leather interior, www.amencanexpress. corn/rewards. Or call zip-around closure, interior zip pocket, four note and card 1.800-AXP-EARN pockets, pen sleeve and premium-quality notepad. Redeem (297-3276) by August 15, before August 15, 2006, for the special rate of only 17,000 2006. points! (Reward Code: CMP43. Offer Expiration 8/15/06.) (MR Message 9442) Term and *Iroise* of the Iftenewshp Revaffisff means COY. Take a Trip with an Enterprise Rent-A-Car Certificate! Take a trip this season and redeem Membership Rewards® To learn more about these points for an Enterprise Rent-A-Car® certificate! Get great rewards and redeem points, visit cars, great savings and free pick up at more than 5,600 vAimamericanexpress. PckEriarrisa.Mack voutte airport and neighborhood locations. Whatever your plans, com/rewards or call Enterprise has the right vehicle for you. And with so many 1.800-AXP-EARN airport and neighborhood locations, you're sure to find one (297-3276). that meets your needs. Pick Enterprise. We'll pick you up®. (MR Message 6423) For reservations, call 1-866-875-0459. Terms and cordite* of the Mafftershbo Retreads warm apply. For rrom Kam bark vist mewarnerloanexprectoometwards. 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. EFTA01704547 DUPLICATE COPY Meant Wirtz Closiro Data Page 7 o18 )0000000a 07/12/06 CustomExtras- Book Your Next Cruise Through Cruise Privileges To see how Cruise Privileges can The Cruise Privileges program features eight of the finest cruise lines complement your voyage, in the world and special amenities created exclusively to enhance call Platinum Travel your cruise vacation. The variety of travel options makes it easy to Service at find a style to suit your interests--active or laid back, cozy or grand. 1400443-7672. And, when you book a cruise through one of these partners, you will (CE 107525) receive a $300 shipboard credit or two-category room upgrade. Program terms and condtions apply. For full program information, visit www.amerlcanexpress.com/platInum. Luxury Suites & Premium Tickets Available For tickets, call 14300-321-RSVP (7787). You have access to some of the best seats in the house through our Luxury Suites and Premium Tickets Program offered as part of your (CE 107542) Platinum Card® benefits. Enjoy prime seating and VIP access at venues in New York and Los Angeles while you take in some of the best in professional entertainment. All sales are final and nonrefundable and resale Is prohibited. Details and prices are subject to change. Suites, packages and tickets are available on a first-come, first-served basis. Al ticket orders we subject to service charges. Payment must be made using the Platinum Card from American Express. Availability is limited. You've Been Issued 8,400 Instant Points Log on by 9/15/06 to redeem your 8,400 Instant Because you're a valued American Express® Cardmember, you've Points. been issued 8,400 Instant Points. Simply log on now to redeem your points toward your favorite gift items, DVD selections, and more. With Claim Code 25708. your points, each selection is just $7.97. But hurry--your points will (CE 107545) expire on September 15, 2006. Please visit us now at http://www.giftcard100.com/points for details and to avoid forfeiture of your 8,400 Instant Points. Use Claim Code 25708. Now Accepting American Express® Cards! If there aro other ;Yaces where you would like to Inlet Seafood Restaurant - Offering fresh seafood and spectacular see the Card accepted, ?=9' ''" sunsets. Inlet's dock welcomes all boats for fuel, bait and ice. East ram, call the Customer Lake Dr., Montauk, NY. 631-668-4272. Service number that is located at the top of your statement or the number 230 Fifth - Steven Greenberg's luxurious Rooftop Bar featuring that is on the back Of your breathtaking views of New York's skyline and the cuisine of Chef Zak Card. Pelacclo. 212-725-4300 or visit www.230-FIFTH.com. (CE 107503) Extend Your Warranty! For more information, visit us online at Suddenly, your camera stops working the day after the vnvvramericanexpmss. manufacturer's warranty expired. Easily fixed. With the Buyer's comlba Assurance Plan, if you purchase a covered item entirely with your (CE 107610) CAM:NEP/8ER American Expresso Card, the terms of the warranty are extended for SENEFITS . up to one additional year on warranties of five years or lesithat are eligible in the U.S. Buyer's Assurance Plan Is underwritten by AMEX Assurance Company, Administrative Office, Green Say, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 and is subject to change with notice. This document does not supplement or replace the Policy. 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. EFTA01704548 DUPLICATE COPY Azdsl Page 8 of e xxxx-xxxx. Save Time Paying Your Bills with the Card Visit www.amerIcan express.comiabp45 for Enjoy the time-saving convenience of using your Card to pay your more information. bills. You can consolidate your payments and make sure your bills are paid on time. And you're backed by the security of American (CE 107609) Express. Contact your providers directly and tell them to charge your monthly bills like cable/satellite to your Card. Terms and conditions apply. Not all providers service all markets. In sane instances it may take more than one billing cycle before initial paid amounts are posted to the Card account. Please remember to cancel these payments with your service provider if you close your Card account, and advise your service provider if your Card account number changes. Identity Theft Assistance from American Express® For more information, visit us online at No matter how careful you are, identity theft can happen to you. But www.americanexpress. here's the good news. With Identity Theft Assistance, we have ccmrldtheft. representatives on call when you need them--24/7--in case the unexpected does happen. We can help determine if you are a victim (CE 107612) of identity theft, recommend steps for recovery, and offer tips on how to protect yourself in the future. On request we'll also send you a comprehensive package designed to further help you navigate the recovery process. Should you discover that somebody is using your identity online or in shops, you can turn to American Express for help. And more good news: as a valued Cardmember, you automatically receive Identity Theft Assistance, free of charge. Fraud Protection Guarantee (CE 107611) When you use the American Express® Card online or off, you won't be responsible for any unauthorized charges. Period. No fine print, no deductible--just pure protection, so you can shop with confidence CARDMU.IBEA anywhere on the Internet or in shops. Should any fraudulent charges BEt:EFITS appear on your statement, simply notify us at the number on the back of your Card. To learn more, visit www.americanexpress.com/fraud protectionguarantee. Are You Overpaying for Personal Checks? Order now at www.amexpub.com/ Tired of the inconvenience of ordering your personal checks through cheeks/statement or call your bank? Since 1997, American Express Publishing has been 1400.662-2314 to request offering personal and business checks and accessories to a brochure. Cardmembers at prices up to 50% less than financial institutions. (CE 107628) Other quality products we offer are address labels, deposit slips, checkbook organizers, stamps, binders, and more. We adhere to security features that exceed industry standards, as well as strict confidentiality of account information. And, we offer an unconditional money-back satisfaction guarantee. Order your checks now from a trusted name--American Express. 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. EFTA01704549 DUPLICATE COPY 150,830 Platinum Card® ,I,Vilente2shiP,Pe,war ds® Statement of Account vaP60,9 tqatticcootwirt cm:maxi& iF rs• For . Account Nimbi, awmpala 08/11/06 Page 1 of 12 NevoClacx;$ Prolour Bate $ PaytnenterCredts 61NO.Fralo0CNIM0 dwO New &Yana Snnlmum AmountOw$ Please Pay By 09/05/06 Due In Fun 759.06 -759.06 +522.45 522.45 +522.45 Please refer to page 4 on How to Avoid Flexible +2,074.57 -2,311.01 +800.09 +563.65 +20.00 Adchtionai Finance Total 2,833.63 -3,070.07 +1,322.54 =1,086.10 542.45 Charges. Please refer to page 2 for important information regarding your account See Page 7 For A Notice Of Changes To Your Card Account See Page 8 For A Notice Of Additional Changes To Your Card Account See Page 12 For A Notice Of Changes To Your Membership Rewards® Program Account Terms - Payable in full upon receipt of statement. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. For automatic replacement of a lost, stolen, non-received or damaged card, call 1-800-992-3404. For automatic balance information, please call 1-800-525-3355 and press option 1-1. For assistance or questions about your account, contact us at www.americanexpress.com or call Customer Service at 1-800-525-3355. Activity • Indkas raring da1e AmountS or 88PYliMBEAtakANKYOU z ti IW,A9qRT;c819qArIMAY!?e9 07/12106 MASK 4 FUN NEW YORK NY 86.69 MISCELLANEOUS APPAREL A MISCELLANEOUS APPAREL ANO ACCESSORY STOR 07/15106 PATRICK MCMULLAN 00M6466382000 NY 10.00 PATRICK MCMULLAN COMPAN 07=06 POLO RETAIL CORP NEW YORK NY 128.00 APPAREL/ACCESSORIES 07/23/06 EQUINOX COLUMBUS C 212-881-0425 NY 150.00 HEALTH SPA P•one teamIN pertonton bebw. detach and reOurn wt. your oarnent Continued on Page 3 Please Pay By: Please enter account Payment Coupon 09/05/06 number on all checks and ca-respondence. Payable in US Dollars upon receipt with a bank in the US or Total New Balance money processable $1,086.10 throughorder, the US banking Minimum Amount Due calsystem. To Pay by Phone, 1-800- l-PAY-AXP or $542.45 1-8C0-472- 9297. Please refer to Page 4 NEW YORK NY 10021-6217 on How to Avoid Additional Finance Charges. LIRA,,,,,leladhmhheAmUlduhltoll • Check here if address or Amount enclosed telephone number has changes. Note changes on Mail Payment to: HJAHdAnhahhHIALMAddlIddLAII reverse side. AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 EFTA01704550 DUPLICATE COPY airoaxmm koz., Page 2 of 12 x) Payments: Payments received after 12:00 neon may not be credited until the next day. Payments must bo sent to the payment address shown on your statement and must inc:ude the remittance coupon from your statement. Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiab% instrument payabl(9In US dollars and clearable through the US banking eystem, or through an electronic payment method payable in US dollars and clearable through the. US banking system. Your Account number must be included on all payments. II To Pay By Phone payment does not conform to these requirements, crediting may be delayed and additional Charges may be imposed. If we 1.800-472-9297 accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US dollars,unless a particular rate is required by law. Please do not send post-dated checks. They will be Customer Service, Lost d sited upon receirt. Our acceptance of any payment marked with a restrictive legend will not operate as an accord and satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks or Stolen Card and all electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, other services account number and check serial number to your financial institution, unless the check is not processable electronically or a 1-800.525-3355 less costly process is available. By submitting a check for payment, you authorize us to initiate an electronic debit from your 24 hours/7 days bank or asset account. When we process your check electronically, your payment may be debited to your bank or asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your bank or Car Rental Loss and asset account statement. If we cannot colect the funds electronically we may issue a draft against your bank or asset Damage Insurance account for the amount of thecheck Authorization for Electronic Payments: Ely using Pay By Computer, Pay By Phone 1-800-338-1670 or any other electronic payment service of ours you will be authorizing us to initiate an electronic debit to the financial account you specify in the amount you request. Payments received alter 5:00 pm. MST may not be credited until the next day. Allocation of Payments and Credits: Subject to applicable law, we will apply and allocate payments between your Hearing Impaired Card Account and jour Sign & Travel and/orExtended Payment Option Account of that account has been activated (9am-5pm EST) ('ExtendedPaymert Account') (referred to as "Account" in the Sign & Travel and/or Extended Payment Option Agreement) Trie 1-800-221-9950 and, within each of these accounts, to Charges in any order andmanner determined by us in our sole discretion. In mos FAX: 1.800.695.9090 cases, if you have a credit balance on your Card Account we will not apply or allocate any part of that credit balance to In NY: 1-800-522-1897 any Extended Payment Account unless you contact us at arne the credit balance exists and instruct us In writing how you want usto ly that credit balance. Chate Card and Statement Information: The annual fee is 00 for the Basic Large Print and Braille Card, $175. r r forup to three Additional Platinum Cards onyour Account and $175.00 for each Addtiona $3%.l Platinum Card Statements on ur Account after the first three. The annual fee is $4500 for up to five Additional Gold Cads on your Account and $45.00 for each Additional Gold Card on your Account after the first five. You may discontinue your membership by 1-800-525-3355 contacting Customer Service.Transactions Made in Foreign Currencies: If you Incur a Charge in a foreign currency, it will be _oenverted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by Travel Emergency and applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use Worldwide Personal for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government Assistance ard Fine agencycr (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion Dining dale orthe prior business day, in each Instance increased by 2%. This conversion rate may defer from rates in effect on 1-800-345-AMEX the date 01 y0ur Charge. Charges converted by establishments (such as airlines) will be billed at the rates spelt establishments use. Giffin° Rights Summary: In Case of Errors or Questions About Your Bill: If you think your bliis Platinum Card Travel incorrect, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the Service and Fulfil Hotels, Customer Service address notedto the right. We must hear from you no later than 60 days after we sent you the first bill on which theerror or problem appeared. You can telephone us at the number indicated on the front of this statement, but doing Resorts & Spas so will not preserve your rights. In your letter, give us the following information: 1. Your name and account number 2. The 1-800-443-7672 dollar amount of the suspected error; 3. Desaibe why you bekevethere is an error.. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still Platinum Card obligated to pay the parts of your bill that are not in question. While we investigate your question , we cannot report you as By Invitation Only delinquent or take any action tocollect the amount you question. If you have authorized us to pay your bal automatically from I.800.321-RSVP your checking or savings account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the qualityof ks goods or servicesthat you purchased with a cred4 card, and you have tried in good f ' to correct the problem with the reiant, you may not have to pay the remaining amount clue on the goods or services. You have this protection only when the purchase pricewas more than 650 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or OopPeerate the merchant, or it we mailed you the Customer Service advertisement for the property or Services, all purchases are covered-regardless of amount or location of thepurchase.) P.O. Box 7825 C.S Credit Balance: If a credit balance (designated CR) is shown on this statement, it represents money owed to you. If do not make sufficient charges aganst the credit balance or request a refund we will, within 30 days after expiration of the u Ft. Lauderdale, FL six-month period following the date of the first statement indicatirg the crecla balance, issue a check to you for the credit 33329-7825 balance if the amount is $1.00 or more. Impottant Notice to North Dakota Residents: If the Account is past due for two or more tilling periods, elate payment fee of 1.75%of all past due amounts will be added. Express Cash Operations P.O. Box 297815 FL Lauderdale, FL 33329-7815 Payments P.O. BOX 2855 NEW YORK NY 10116-2855 Change of Address • To change your address online, visit vnveramericanexpress.comtupdatecontactinto corroot on front • 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. Street Address CM. state T; Code Please providey0ur Area Code and e-mail address to Hans Mors receive important Area Ccdo and account updates and Work Phone &nal (optimal) I I exclusive Cardmember offers and benefits. You mayvisk the American Express Privacy Statement at veenv americanexpress com/pdvacyfor more details andto set youremail preferences. EFTA01704551 DUPLICATE COPY Account Nunter Ciatira Dme Page 3 of 12 ral >000(-)000a 08/11/06 Anstalt Transactions Continued 07/24/06 TOWER CHEMIST PHARMANEW YORK NY 39.97 PRESCRIPTIONS/SUNDRIES 07/26/06 EDRIS SALON NEW YORK NY 62.40 BEAUTY AND BARBER SHOPS 08/08/06 MORIMOTO NEW YORK NY 45.39 FOOD AND BEV FOOD/BEV 37.39 TIP 8.00 Total of Card Transactions New Charges 622.45 Payments/Credits -759.06 Swat M ods Flexible Payment Option Statement of Account )000(40000(3-21000 Creditor: American Express Centurion Bank CSing OS 08/11P06 Thank you for using Flexible Payment Option. Account Minimum Payment Summary $ Payment $ Due Date Previous Balance 2,074.57 20.00 09/05/06 Payments/Credts -2,311.01 FINANCE CHARGE 0.00 New Charges 800.09 New Balance 563.65 Finance Charge Balarice(s) to Which Average Daily Annual Daily Periodic Please refer to page 4 Schedule Rate Applies Balance Percentage Rate Rate for important information ALL $0.00 18.24 % .0500% regarding your Sign & Travel and/or Extended Certain of the periodic rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. "eianCnw i0 :la r 2112:eiS P4 a Fccagn Spandng Amount S simignitivity for 07/15/Cci CCMPUTER PAYMENT RECEIVED 9O; gtE, 0708- PAYMENT RECEIVED— THANK YOU is .6RETAll. CORP REF S9O18990208* REF' 499307580327t*( 6.9.09% FINANCE CHARGE CREDIT 07/12/06 2ND AVE - MADAME PAUNEW YORK NY 400.00 071206 DRY CLEANERS 07/12/06 DRY CLEANERS 07/17/06 POLO (UK) LTD, LONDON SW3 Wve00 185.51 'Pasts Sol UNITED KINGDOM Description Price GOODS 99.00 08/08/06 POLO RETAIL CORP NEW YORK NY 214.58 APPAREL/ACCESSORIES Total of S&T and/or ExPO Activity New Chzes 800.09 Paymants/C Its -2,311.01 Continued on reverse EFTA01704552 DUPLICATE COPY Ax-oLrl Page 4 of 12 C pl XXXX-XXXX Important Sign & Travel and/or Extended Payment Option Information Billing Inquiries Finance Charges: Average Daily Balance (ADS) Method for Calculation of Finance Charges (FC): We use the Customer Service ADS method to calculate FC on your Account. Under this method, we calculate the FC on your Account by applying the 1-800-525-3355 Daily Periodic Rate (DPR) to the ADB (as described below) (including current transactions). To get the ADB, we (1) (24 hours, toll free) take the beginning balance for each day (including unpaid FC from previous billing periods), (2) add any new transactions, debits or fees, (3) subtract any payments or credits credited as of that day, and (4) make any appropriate Address adjustments. For each day after the first day of the billing period, we also add an amount of interest equal to the American Express previous days daily balance multiplied by the DPR. Tin gives us the daily balance for that day and the beginning Customer Service balance for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances P.O. Box 297807 for the tilling period and divide the total by the number of days in the billing period. This gives us the ADB. The ADB for Ft. Lauderdale, FL a billing period will be considered zero if you paid the total New Balance, it any, shown on your previous tithing statement by the Closing Date of the current baling period. If you multiply the ADB by the number of days in the billing 33329-7807 period and the DPR, the result will be the FC assessed, except for variations caused by round®. This method of calculating the ADS and FC result in daily compounding of FC. The information on page 2 of your statement concerning Payments, Authorization for Electronic Debit, Authorization for Electronic Payments, Allocation of Payments and Credits, Transactions Made In Foreign Currencies, Billing Rights Summary, Special Rule for Credit Card Purchase and Credit Balance alas applieSiothiSACceunt. EFTA01704553 MembeRfi4C1161,Cartis- Page 5 of 12 Monthly Statement and Program News For questions about your Statement Period Membership Rewards account, contact July 1, 2006 - July 31, 2006 1-800-AXP-EARN Account activity after this period does not appear on this statement (297-3276) www.americanexpress.com/rewards Available Points Saiineer American Express 1M09749608 150,830 Membership Rewards P.O. Box 297813 Points are available when charges are Earn Double Points for all Ft. Lauderdale, FL 33329-9785 paid in full and all your accounts are in Everyday Spend Points your Everyday Spend - good slanting. earned this period: groceries, gas, pharmacy Available points include Everyday Spend Points. 53 Account Summary Opening points balance 148,560 New points earned 4-2,270 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance =150,830 Flew Points Earned 07101/06 - 07/31/06 Points Activity On Everyday Spend Bonus Points Total Points Activity Eligible Charges Points Awarded Per Card Platinum 2,217 53 0 2,270 xxxx-xxxa Totals 2,217 53 2,270 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred cr redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms and Condtions in your Membership Rewards Guide. If you have questions, please visit www.americanexpress.comkewards cr calif -800-AXP-EARN (297-32N. From overseas, call collect 305-816-2799. Transfer Membership Rewards® Points Through Points.com Points.com allows you to swap Membership Rewards points To learn more about these pointsec rn p into points or miles in other loyalty programs. Swap into rewards and redeem points, visit miles in airline frequent flyer programs or retail gift certificates vnvw.americanexpress. such as Starbucks and gacertificates.com. All you have to cam/rewards or call do is join Points.com FREE and register your Membership ' 1-800-AXP-EARN (297-3276). Rewards account. Terms and cadge* el the klerriterehts Rimed' prcgam away. Fa mare rromatert. Nst (MR Message 7464) WrIwinerlainexpresexotruterardi Earn 4X Membership Rewards® Points from Eos Airlines! Earn 4X points when you book a flight on Eos Airlines to You must book and fty by cos London and fly before September 4th. Aboard Eos Airlines, you'll experience more personal space and an exceptional level of service and now 4X Membership Rewards points! September 4th, 2006. Seating is limited. Call 1.800.598-9120. visit vniew.eosairlines.com, or contact your travel NCW YOOM - LONDON professional. eller is yard an al ptentrai pub ietr magas. corporate ard agency mgcgetcd or demoted *area. At tare (MR Bonus ID 7581) vice mpg. Refurth are subjact to print troMme. Eoe moves me ron: to PM 634 perehams by customer is this 'min woes of abuse or goat Not al Eon putIolled law may be amiable al any trne. To be cl,bb to ern bonus pants, yor mai be entered n the Membership gamed, proyarn at the Into al pschaseard you must charge your purchase on an clgble. orated Arrotkaa Emmett Cod. Boom mot wet be credred to your Program toms* MUM 64 meta Are chasm app.*: an your Sling *Automat Bonus ID:7561. 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. EFTA01704554 American Express* • ICATE COPY .'"e mereorrsnir. acct Page 6 of 12 !Litt :7tCa Fig _- Earn DOUBLE Points from DiseountOfficeSupplies.com! Earn DOUBLE Membership Rei.vardse points every time you Start shopping, saving, DISCOUnt shop at DiscountOfficeSupplies.com, your ultimate online source for everyday office essentials. Stock up your small and earning double points al Discount0ffice OfficeSuppyes business or home office with an amazing selection of over 40,000 items ranging from the basics to the latest Supptles.com today! (MR Bonus ID 0251) electronics. Plus, orders over $50 qualify for FREE SHIPPING*! Wret vol Sim* 120103. Fne SrA010 don not apply lo orders miler $50 and essfules mks, oversized lam and kenture sirectiens To earn tavA poets. you must be enrolled in be Menbers10 Ressoda pogrom al the M. or primness and charge veer purchase b en eSgbb.ersoSid Amercen Emma Card. BMW pin% ;nil In csedred to your ascouni 04 weeks Ow Mapes OFINNI on yam law garnet Bonus ID. 0251. Redeem Membership Rewards® Points for Songs on iTunes Love listening to music? You can redeem Membership To redeem for one of these rewards, log on to iTunes Rewards points for songs on the iTunese Music Store, the www.americanexpress. #1 music download store. Choose either 25 or 50 songs on conVrewards or call iTunes. With over 2 million songs, the iTunes Music Store is 1-800-AXP-EARN the largest online music library in the world. (297-3276). Tines is a registered valenark of Apple Ccapuler, Ina. in Ilesus •ddim mugs*, n• ITmet 11.1 0 Slue is serves mark 400 Corrptiler, tc. tegelered here U.S. and Mei coureries. Al folds (MR Message 2190) reserved. Apple is not a parte/pant or secome doe wanziket For a Limited Time Only - Audiovox 7" Portable DVD Player 22,500 Points While Supplies Last! Take advantage of this limited-time offer and redeem for the To redeem, visit Audiovox 7" Portable DVD Player at a discount of over www.americanexpress. AUDIONFOX com/rewards. Or call CORPORATION 20,000 points! Watch movies on the go. Features a 16:1 1-800-AXP-EARN aspect ratio, a 7" diagonal widescreen, built-in stereo (297-327 2006.6) by September speakers, and a DVD/CD/MP3 playback. Includes carrying 15, case, two folding headphones, rechargeable battery, AC (MR Message 8406) adapter, and a wireless remote. Redeem while supplies last through September 15, 2006. (Reward Code: RY1790. Offer Expiration: 9/15/06) Teens aid ccrefbans el the SkenZerstes Revards0 program Oak Redeem Points and Fly AirTran Airways! Take a flight with our new airline partner, AirTran Airways. To redeem points, visit airrt4An. AirTran is one of America's largest low-fare airlines, offering vAvw.amerIcanexpress. corn/rewards or call quality Jet service with more than 600 daily flights to more 1.800-AXP-EARN than 50 destinations. A+ Rewards members earn a one-way (297-3276). To make a ticket after 3 roundtrips in Business Class or 4 roundtrips in reservation, Neese call coach, making it the fastest award ticket in the industry. 1.800-AIR-IRAN A+ or vis4 www.aldran.com. (MR Message 9396) Teem ant condo:as of the tierribasep Reissecta0 program away. For more Lstimaroai est wvneamerkenexpress.cornirevearre. 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. EFTA01704555 DUPLICATE COPY Acecol Nutter 0811110 Page 7 of 12 08111108 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. Those changes become effective on the dates indicated below, whether or not you receive a billing statement. This Notice fontaly 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 APRe/DPRs to variable APRs/DPRs, and adding new terms) in accordance with the Agreement governing your Account. All terms of the Agreement not emended 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 Additional Cardmembers on your Account, and then keep this Notice for future reference. If you have questions regarding this Notice. please call the telephone number listed on the back of your American Express Card. Finance Charges Effective with billing periods beginning on or after September 1, 2006, the tenth sentence of the first paragraph of the Average Daily Balance Method for Calculation of Finance Charges section of your Sign & Travel and/or Extended Payment Option Agreement is deleted, and the following sentence is added to the end of paragraph A of the Finance Charges section of your Sign & Travel and/or Extended Payment Option Agreement: In addition, Finance Charges will not accrue during a bang period on any balance if, by the Closing Date of that billing period. payment in full of the New Balance shown on the statement for the previous biling period Is credited to your Account; provided, however, that Finance Charges will accrue on transactions added at your request to a balance during the billing period.' Other Important Information About Your Account Roadside Assistance Enhancement Effective October 1, 2006, we are enhancing Roadside Assistance by removing the requirement that you must be at least 50 miles from home to receive program services. Roadside Assistance program services will be available when you are at home or kayoing locally. Program Terms and Concitions apply. Best Value Guarantee Decommission The Best Value Guarantee program will terminate on October 1, 2006. Any purchases charged to your Card account on or after October 1, 2006, will not be eligible for the program. Accordingly, any provisions under the hearing Beet Value Guarantee that ocCompany your Agreement are deleted effective October 1, 2006. Free Shipping and Handling Decommission The program that provides limited free shipping and handling for online and catalog purchases from select merchants charged to your Card Account will terminate on October 1, 2006. Such transactions made after September 30, 2006. will not be eligible for the free shipping and handling program. S1886 BP/TR18FYI/0806 EFTA01704556 DUPLICATE COPY Page 8 of 12 Notice of Changes to Your Agreement We are making Important Changes to your American Express. Card Account identified on this Notice. These changes become effective on the dates indicated below, whether or not you receive a billing statement. This Notice formally amends your Agreement, and any contrary or conflicting language in that Agreement is replaced fully and completely. This is an important Notice of changes to your American Express Card Account We recommend that you carefully review these changes, share them with any Additional Cardmembers on your Account, and then keep this Notice for future reference. If you have questions regarding this Notice, please call the telephone number fisted on the back of your American Express Card. Event Ticket Protection Plan Effective October 1, 2008, we are acking the Event Ticket Protection Plan as an additional benefit for your American Express Card. A copy of the Description of Coverage appears below. EVENT TICKET PROTECTION PLAN. DESCRIPTION OF COVERAGE Underwritten by AMEX Assurance Company, Administrative Office, 3500 Packerland Drive, De Pere, Wisconsin (Herein called the Company) Coverage Overview The Event Ticket Protection Plan provides insurance to a Cardmember when the expense of a Ticket has teen charged to the Cardmembers Account and the Tickethdder cannot use the Ticket due to a Covered Incident for which benefits are payable under this Plan. We will reimburse You, up to a maximum coverage limit of $2,000 per Occurrence Platinum, for the expense of the unused Ticket charged to Your Account for two Covered Incidents for each Account for each 12•month period beginning when the eligible Ticket hes been charged to the Cardmember's Account If Ticket reimbursement, due to a Covered Incident for which benefits are provided (alder the Plan, is provided to the Ticketholder by a Producer, Venue, or other insurance, the coverage provided by the Event Ticket Protection Plan becomes secondary and will pay only that portion of the Ticket expense not reimbursed by the Producer, Venue, or other insurance. Definitions Certain words used In this Description of Coverage are capitalized throughout and have special meanings. Account: means Your American Express Card account. Cardmember: means a person who has been Issued on American Express Card that Is current and for which the Account is in good standing and who maintains a Permanent Residence in the 50 United States of America or the District of Columbia. Covered Incident: means an incident listed under theDescription of'Benefits section of the Plan. " Delay: means any delay other than a Transportation Accident. Destroyed 'Ticket: means a Ticket that cannot be redeemed as a drect reault of a nisfortime experienced by the Tioketholder which takes place prior to the Event and destroys the Ticketholder's Ticket. Event: means a public gathering for an audience that will include the Ticketholder, which is legal, takes place within the 50 United States of America or the District of Columbia, and which requires an admission fee in exchange fora Ticket. Lost Ticket: means a Ticket misplaced and not located or located after the Event for which it was purchased. Medical Emergency: means an unforeseen bodily injury or illness to You or any member of Your household, of ouch severity as to require Medically Necessary treatment Medically Necessary: means unforeseen urgently required treatment to Ycu or any member of Your household by a Physician or Dentist Multi-day Ticket: means a Ticket that may be used mere than once for an Event that is the same or related and which occurs on consecutive days over a period of not more than several successive weeks. Occurrence: means the expense charged to the same Account of a Cardmember for the entire cost of the purchase, separately or together, of any number of Tickets for the same Event, including Ticket handling fees. Permanent Residence: means the one primary dwelling place where the Cardmember permanently resides and to which they intend to return. Physician or Dentist: means a person licensed in the healing arts, other than a member of the Cardmember's family, and acting within the scope of their 'cense for the service or treatment provided. Plan: means the Description of Coverage for the Event Ticket Protection Plan. Platinum: use of the term Platinum Cardmember, refers to those Cardmembers who have a Platinum Charge Card (required to be paid in full monthly), or a Fidelity American Express Platinum Card. Any other Card which references the Platinum name or has Platinum colored plastic is not intended to receive higher coverage limits or benefits. Policy: means the Group Insurance Master Policy and any attachments, endorsements, riders and applications associated with it. Producer: means the person or group of persons who provide the financial bathing and who are responsible for conducting the Event Season Ticket: means the purchase of admission as a subscriber or season Ticketholder to a series of similar forms of diversion, education or entertainment to be attended over a period of weeks, months, or years. Ticket: means written evidence permitting admission to an Event, including a Multi•day Ticketor Season Ticket, which clearly indcates the name of the Event, the date on which the Event is to take place and the Event Venue, by means of which an Occurrence can be established. Ticket does not include transportation on a vehicle of any kind to or at an Event or parking at an Event. Ticketholder: means either the Cardmember who has charged the expense of their Ticket to an Account or a person who has received a Ticket from the Cardmember either by arrangement with such person or as a gift. Transportation Accident: means physical damage to the vehicle transporting You to the Event which delays or ends the Ticketholder's travel S8486 BP/MUET12P/0806 EFTA01704557 DUPLICATE COPY Cbsing Cate Page 9 of 12 08/11/06 and causes the Tickethoder to miss the Event. Venue: means the name and location of the facility where the Event Is to take place. We, Us, Our: means AMEX Assurance Company and its duly authorized agents. You, Your, Yourself: means the Cardmember. Description Of Benefits Benefits are payable only to the Cardmember, to whose Account the expense of the Ticket has been charged, when a loss occurs as a result of any of the following: (1) Medical Emergency; (2) cancellation of the Event by the Producer or Venue without providing full reimbursement of the Ticket cost, an equal value ticket or a rain check; (3) catastrophe, regardless of cause, in the immediate vicinity of the Event site to which the Ticketholder's access Is prevented by governmental authority; (4) Transportation Accident; (5) Destroyed Ticket; (6) theft of Ticket; (7) jury duty; (8) subpoena or other unanticipated legal process; (9) death; (10) or emergency call to duty as a member of a National Guard unit or Active Reserve or for active duty members of the United States Armed Forces. Exclusions Benefits cue not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by the following: (1) infirmity, disease or sickness of the Ticketholder, other than as defined by Medical Emergency; (2) Delay; (3) fraud or illegal activity of any kind by the Ticketholder; (4) confiscation by any governmental authority; (5) active participation in a civil public disturbance or protest; (6) negligent failure of a duty to care by any third party in whose possession a Ticket has been temporariy placed by the Ticketholder; or (7) Lost Ticket. Claims If a Ticketholder experiences a loss for which You believe a benefit Is payable under this Plan, Ycu must provide both Notice of Claim and Proof of Loss. Notice of Claim Notice of claim should be provided to Us within 30 days of the loss. You may contact us by phone by calling toll-free stateside 1.800.620.4991 or, If from overseas, by calling collect 1-303.273-6498. You may also write to us at Event Ticket Protection Plan, PO Box 402, Golden CO 80402. Failure to provide notice of claim within 30 days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that it was provided as soon as reasonably possible. At the time You provide Us with notice of claim, We will assist You with Your proof of loss by providing You with instructions and with documents, which You must complete and return to Us. You we required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine If benefits are payable. If ali required documentation is not received within 30days of the date of the Covered Incident (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation necessary. Proof of Loss Proof of loss requires that You send Us all the information We request at Your expense, In order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. Except in the Instance of theft, Destroyed Ticket or Lost Ticket, as noted under the Description of Benefits, We will require that You provide Us with the Ticket which could not be used because of a Covered Incident for which insurance is provided under this Plan. In addition to the Ticket We will ask that You include with Your proof of loss any documentation We may request in order to establish the existence of a Covered Incident eligible for coverage under the Description of Benefits. We reserve the right to dony the claim if the Ticket You submit as part of Your proof of loss evidences redemption by any mark, stamp, hole, tear or other evidence of redemption. If admission to an Event was charged to Your Account, but in lieu of a Ticket You received only confirmation of admission by e-mail or the promise of admission to the Event upon picking up a Ticket at the Event, and it a Covered Incident occurred for which a claim may be payable under this Plan. You must cooperate with Us in providing proof of loss as to the Covered Incident, and We will attempt to complete the necessary research to determine that the charge to Your account was for admission to the Event as claimed by You. You must provide satisfactory proof of loss as soon as possible after We have informed YOU as to what You must provide Us and In no ease more than 30 days after being so informed, except if it can be shown that it was provided as soon as reasonably possible. Proof of loss documentation may bo mailed to Us at the same address as listed above for mailing a notice of claim. Payment of Claims If Ticket reimbursement, due to a Covered Incident for which benefits are provided under this Plan, is provided to the Ticketholder by a Producer, Venue, or other Insurance, the coverage provided by the Event Ticket Protection Plan becomes secondary and will pay only that portion of the Ticket expense not reimbursed by the Producer, Venue, or other insurance. If Your proof of loss demonstrates that Your claim is payable according to this Plan, We will reimburse You the amount charged to Your Account for the Event Ticket You purchased, less any reimbursement You may receive, up to the maximum coverage limit as stated in the Coverage Overview section. Any payment that We make in good faith will fully dscharge Us to the extent of that payment. S8486 BP/MUET12P/0806 EFTA01704558 DUPLICATE COPY Amount Hurter Page 10 of 12 When a Covered Incident has caused the Ticketholder to experience aioss for the total charge to the Account and that charge is more than the actual face value of the Ticket, eligible benefits will be available on a pro rata reimbursement basis determined by the number of separate Tickets purchased for that Event. When a Covered Incident has caused the Ticketholder to experience a loss in conjunction with a Multi-day Ticket or Season Ticket, eligible benefits will be available on a pro rata basis determined by days for Multi-day Tickets and by series length for Season Tickets. Benefits are only eligible for the Ticketholder who experienced a loss for which this Plan provides benefits. You wit be reimbursed only for those Tickets and on a pro rata basis. Right of Recovery In the event of a payment under this Plan, We are entitled, and become subrogated, to the extent of such payment, to all of the Ticketholder's rights and remedies against any responsible party. Upon Our request, the Ticketholder must provide us reasonable assistance, including signing documents If necessary, to bring suit in the Ticketholder's name and do nothing after loss to harm Our rights. When You have been paid under this Plan by Us and the Ticketholder recovers from another, the amount recovered shall be held in trust for Us and reimbursed to Us to the extent of Cur payment. If Our payments for losses exceed the maximum amount payable to You under any benefit of this Plan, We have the right to recover any amount exceeding the maximum amount payable. General Provisions Description of Coverage My conflict between the terms of the Description of Coverage and the Policy will be decided in favor of the Policy. A copy of the Policy will be maintained and kept by Us and may be examined by You at any time. Entire Contract; Changes This Plan, the Policy, any applications, endorsements or riders and any other attachments make up the entire contract. Any statement You make is a representation and not a warranty. This Plan may be changed at any time by providing notice to you. Only the President, Vice-President or Secretary of AMEX Assurance Company may change or waive the provisions of the Plan. No agent or other person may change the Plan or waive any of its terms. Termination or Cancellation Coverage will cease 12O1am standard time on the earliest of the Following: (1) the date You no longer maintain a Permanent Residence in‘the 50 United States of America or the District of Columbia; (2) the date We detente that misrepresentation or fraud occurred; (3) the date the Policy is cancelled; (4) the date You we no longer a Cardmember and Your Account ceases to remain in good standing; or (4) the date the Plan is not available in the location where You maintain a Permanent Residence. -- • Termination of coverage will not pro;udice any claim originating prior to termination subject m all other terms of this Plan. Fraud If any request for benefits made under the Plan is determined to be fraudulent or If any fraudulent means or devices are used by You, any Ticketholder, or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. Legal Actions No legal action may be brought to recover against this Plan within 60 days after initial written proof of loss has been received by Us. No such action may be brought after three years from the time written proof of loss Is required to be given. If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum tine slowed by such law. Important Additional Information For You Benefits provided under the Event Ticket Protection Plan extend to Tickets You purchase and charge to Yew Account that You Intend to use or have purchased on behalf of others or as gifts. Reimbursement for any Covered Incident applies only to You. Only You have a claim to insurance benefits under the Event Ticket Protection Plan. AMEX Assurance Company may cancel this Plan at any time by sending a written notice at least thirty (30) days in advance to You at Your last known address. The Event Ticket Protection Plan is underwritten by AMEX Assurance Company, Administrative Office. De Pere, WI. Coverage is determined by the terms, conditions and exclusions of Group Master Poky AX0974 and is subject to change with notice. This document does not replace the Policy. This document replaces all existing prior Plan documents You may have received for the Event Ticket Protection Plan. This Description of Coverage is an important document. Please read it and keep it th a safe place. S8486 BP/MuET12P/0806 EFTA01704559 DUPLICATE COPY Fr Ptcount Nirrber Cbsiv Dale Page 11 of 12 08/11/06 In Witness Whereof, We have caused this Description of Coverage to be signed by Our officers: Kenneth J. Ciak, President Paul R. Johnston, Secretary AMEX Assurance Company AMEX Assurance Company ETP-DOC 12/05 PLAT Important information regarding benefit changes for Missouri residents: The Description of Coverage ETP-DOC 12105 has changed to ETP-DOC.PLAT 05/06. AMEX ASSURANCE COMPANY, Administrative Office: 3500 Packerland Drive, De Pere, WI 54115 For residents of Missouri, the Event Ticket Protection Plan Description of Coverage to which this rider is attached is amended to include the bold italicized language as follows: Notice of Claim Notice of claim should be provided to Us within 30 days of the loss however, no claim will be denied basedupon the insured's failure to provide notice within such specified time, unless this failure operates toprejudice the rights of the insurer. You may contact us by phone by calling toli.free stateside 1.800.620.4991 or, if from overseas, by calling collect 1.303.273-6498. You may also write to us at Event Ticket Protection Plan, PO Box 402, Golden CO 80402. General Provisions Legal Actions No legal action may be brought to recover against this Plan within 60 days after initial written proof of loss has been received by Us. No such action may be brought after ten years from the tine written proof of loss is required to be given. If a time limit of this Pan is less than stowed by the laws of the state where You live, the limit is extended lo meet the minimum time allowed by such law. Questions For questions please call the telephone number on the back of Your card. There are no other changes to the Description of Coverage. By: Kenneth J. Ciak, President Paul R. Johnston, Secretary ETP-RDR1-MO 05/06 Important information regarding benefit changes for Vermont residents: AMEX ASSURANCE COMPANY, Administrative Office, 3500 Packerland Drive, De Pere, WI 54115 For residents of Vermont, the Event Ticket Protection Plan Description of Coverage to which this rider is attached is amended to include the bold italkizedlarguage as Inflows: knportant AdditionalInformation For You AMEX Assurance Company may cancel this Plan at any time by sending a written notice at least forty-five (45) days in advance to You at Your last known address. There are no other changes to the Description of Coverage. By: Kenneth J. Ciak, President Paul R. Johnston, Secretary ETP-RDR1-VT 12/05 S8486 BP/MUET12P/0806 EFTA01704560 DUPLICATE COPY Page 12 of 12 Notice of Changes to Your Agreement We are making Important Changes to your American Expreos° Card Account identified on this Notice. These changes become effective on the dates indicated below, whether or not you receive a billing statement This Notice formally amends your Agreement, and any contrary or conflicting language in that Agreement is replaced fully and completely. This is an important Notice of changes to your American Express Card Account We recommend that you carefully review these changes, share them with any Additional Cardmembers on your Account, and then keep this Notice for future reference. If you have questions regarding this Notice, please call the telephone number listed on the back of your American Express Card. Everyday Spend Bonus Decommission Effective October 1. 2006, you will no longer accrue 2 Membership Rewards points for every dollar of "everyday spend" charged $ your Linked Accounts. Instead you will receive 1 point for every dollar of 'everyday spend.' Accordingly, the third sentence of the first paragraph of the Point Accrual section of the program terms and conditions is deleted. S4986 BP/MR01FYI/0806 EFTA01704561 DUPLICATE COPY Platinum Card® Statement of Account Pr vex' Fee Cloning Oslo 09/11/06 Page 1 0110 peoe O OWCe= Remus Balance Papnenb/Credhs $ tiny) New Marrs $ lAuthirrm Mn.....,..., Please Pay By 471.65 09/26/06 Due In Full 522.45 -1,684.06 +1,633.26 +471.65 Please refer to page 5 on How to Avoid Flexible +563.65 -3,125.65 +2,562.00 0.00 0.00 Additional Finance Total 1,086.10 4,809.71 +4,195.26 =471.65 471.65 Charges. Please refer to page 2 for Important information regarding your account Terms - Payable in full upon receipt of statement. Pay your bill online anytime, anywhere at www.amerIcanexpress.com/paybIll. For automatic replacement of a lost, stolen, non-received or damaged card, call 1-800-992-3404. For automatic balance information, please call 1-800-525.3355 and press option 1-1. For assistance or questions about your account, contact us at www.americanexpress.com or call Customer Service at 1-800-525.3355. A Way To Get EVEN MORE Payment Flexibility As a Sign & Travel& or Extended Payment Option enrollee you know you can pay over time for travel or larger purchases. But did you know you also can choose just about any other purchases from this statement to pay over time regardless of size or type with no additional enrollment required? Simply go to www.americanexpress.com/transfercharges, select the "Transfer" button, log on and click on the additional charges you want to take more time to pay. Or call customer service and press 0. It's easy and it takes just a moment. Not all Cardmembers are eligible. Requests to pay over time are approved based on several factors including account history, current account status and credit record at time of request. Activity tdoedes ocolirg Amount $ 85092:01KLESS RYDATRECY- THANK YOU ii.TkAVEIJE"(czdb• Li08/27 !“liwoo‘,cioctassRw ER&gyme,„my,951 " ,t SIGN F /E TWL/ExPO 09/06/06`. $2;000.08CliXl:ESS PyMTIFTCW.THANIctQW:>.: Tiede APPPE15:101dia*VELIF4Rd Nora be on INpod:wagon 09a% Ova*, ars, Wan 'nth you paynenl Continued on Page 3 Payment Coupon Please Pay By: Please enter account 09/26/06 number on all chocks and correspondence. Payable in US Dollars upon receipt Total New Balance with a bank in the US or $471.65 money order, processabie through the US banking Total Amount Due system. To Pay by Phone, call 1.800- t-PAY-AXP or $471.65 1400472- 9297. Please rotor to Page 5 1 - 6217 on How to Avoid Additional Finance Charges. lllll • Check here if address or Amount enclosed telephone number has changes. Note changes on Mail Payment to: reverse side. AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 Lindh I III I 111.1..11.11I1I11_1_1.1.11.1.1111..1. II I I I I III EFTA01704562 DUPLICATE COPY P Fee Page 2 of 10 XXXX ccvnINIns •XXXTh ill Payments: Payments received after 12:00 noon may not be credited until the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system, or through an electronic payment method payable in US dollars and clearable through the US banking System. Your Account number must be included on all payments. If To Pay By Phone payment does not conform to these requirements, crediting may be delayed and additional Charges may be imposed. If we 1-800472-9297 accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US dollars,_ unless a particular rate is required by law. Please do not send post-dated checsk. They will be deposited upon receipt. Our acceptance of any payment marked with a restrictive legend will not operate as an acccrd and Customer Service, Lost satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks or Stolen Card and all electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, other services account number and deck serial number to your financial institution, unless the check is not processabia eledronically or a 1400-525-3355 less costly process is available. By submitting a check for payment, you authorize us to initiate an electronic debit from your 24 hoursa days bank or asset account. When we process your check electronically, your payment may be debited to yOur bank or asset account as soon as the same day we recewe your check, and you will not receive that cancelled check with your bank or Car Rental Loss and asset account statement. II we cannot collect the funds electronicaily we may issue a draft against your bank or asset Damage Insurance account forthe amount of the check. Authorization for Electronic Payments: By using Pay By Computer, Pay By Phone or any other electronic payment service of ours, you will be authorizing us to initiate an electronic debit to the financial 1.800.338.1670 account you specify in the amount you request. Payments received after 5:00 p.m. MST may not be credited until the next Pay. Allocation of Payments and Credits: Subject to applicable taw, we will apply and allocate payments between your Hearing Impaled Card Account and your Sign & Travel andror Extended Payment Option Account Of that account has been actival (9am-5pm EST) ("Extended Payment Account') (referred to as "Account' in the Sign & Travel and/or Extended Payment Option Agreement TTY: 1-800-221-9950 and, within each of these accounts, to Charges in any order andmanner determined by us in our sole discretion. In most FAX: 1.800.695.9090 cases, if you have a credit balance on your Card Account we will not apply or allocate any part of that credit balance to In NY: 1.800.522.1897 any Extended Payment Account unless you contact us at a time the credtbalance exists and instruct us In writing how you want us to apply that credit balance. Chem° Card and Statement Information: The annual fee is $395.00 forthe Basic Large Print and Braille Card, $175.00 for up to three Additional Platinum Cards on your Account and $175.00 for each Additional Platinum Card Statements on_your Account after the first three. The annual fee is $45.00 (or up to five Additional Gold Cards on your Account and $45.00 for each Additional Gold Card on your Account after the first five. You may discontinue your membership by 1-800-525-3355 contacting Customer Service.Transactlons Made In Foreign Currencies: If you incur a Charge n a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by Travel Emergency and applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use Worldwide Personal for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government Assistance arid Fine agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion Dining date or the prior business day, In each instance increased by 2%. This conversion rate may differ from rates in effect on 1.800.345-AMEX the date of your charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. Billing Rights Summary: In Case of Errors or Questions About Your Bill: hypo think your bill is Platinum Card Travel incorrect, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the Customer Seance address noted to the right. We must hear from you no later than 60days after we sent you the first bill on Service and Fine Hotels, which the error or problem appeared. You can telephone us at the number indicated on the front of this statement, but doing Resorts & Spas so will not preserve your rights. In your letter, give us the following information: 1. Your name and account number' 2. The 1-800-443-7672 dollar amount of the suspected error; 3. Descnbe why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still Platinum Card obligated to pay the parts of your bill that are not in question_ While we investigate your question , we cannot report you as By Invitation Only delinquent or take any action tocolled the amount you question. If you have authorized us to pay your bill autornaticaly from 1.800-321-RSVP your checking or savings account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem with the quality°, s or services that ycu purchased withecredit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the Nit goods or services. You have this protection °Sywhen the purchase price was more than $50.and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the Customer Service advertisement for the property or services, all purchases are covered regardess of amount or location of the purchase.) Credit Balance: If a credit balance (designated CR) is shown on this statement, it represents money owed to you. If you P.O. Box 7825 C.S do not make sufficient charges against the credit balance or request a refund, we will, within 30 days after expiration of the Ft. Lauderdale, FL six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit 33329-7825 balance if the amount is $1.00 or more. Important Notice to North Dakota Residents: If the Account is past due for Iwo or more billing periods, a late payment fee of 1.75%of all past due amountswill be added Express Cash Operations P.O. Box 297815 Ft. Lauderdale, FL 33329-7815 Payments P.O. BOX 2855 NEW YORK NY 10116-2855 Change of Address • To change your address online, visit www.americanexpress.com/updatecontactInfo V correct on front • For Name or Company Name changes, please call the Customer Service do na 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. Stoat Address Cry. Sale 1 to Code Pease provide your Ana Cede and e-mail address to Hate Phone receive important Area Cede ad account updates and j Work Phone exclusive Cardrnember Email (egional) offers and benefits. You mayvisil the American Express Privacy Statement at vnwiamericanexpress.ccm/privacy for more details and to set your email preferences. EFTA01704563 DUPLICATE COPY Account Numb,. aosirg Oa* Page 3 of 10 XXXX-X)00() 09/11/06 YM Transactions Continued ,;09NSA)S" -•":T YI91:0,1,§AFFIT21101Y 4,„ClObit 4. t 1.W?S til it'i. • e BalOtAYEir-00112.1.YWK4::': 01066W 9I Y611CflY: FSPACR9WA 08/12/06 VICTORIA'S SECRETNEW YORK 108.00 Women's Apparel 08/12/06 VICTORIA'S SECRETNEW YORK NY 163.00 Women's Apparel 08/12/06 MEDITERRANEO NEW YORK NY 16.27 FOOD/BEVERAGE FOODBEY 13.27 TIP 3.00 08/12/06 BROTHER JIMMY'S BBO NEW YORK NY 27.97 01/FOOD AND BEVERAGE FOOD/BEV 22.97 TIP 5.00 08/13/06 LOEWS $1116 LINCOLN SMANHATTAN NY 10.75 MOTION PICTURE THEATERS 08/13/06 POMODORO NEW YORK NY 24.55 01 FOOD AND BEVERAGE FOOD/BEV 20.55 TIP 4.00 08/17/06 410 PARK AVENUE DISPNEW YORK NY 30.00 APPAREUACCESSORY SHOP 08/17/06 410 PARK AVENUE DISPNEW YORK NY 25.00 APPAREUACCESSORY SHOP 08/17/06 HOLY BASIL NEW YORK NY 56.80 FOOD/BEVERAGE 08/18/06* BATH & BODY WORKS 92NEW YORK NY 42.27 000006725 212-772-2589 08/18/06 CVS STORE - 2400 NEW YORK NY 31.47 HEALTH/BEAUTY-AIDS 08/19/06 POLO RETAIL CORP SOUTHAMPTON NY 61.73 GENERAL MERCHANDISE 08/19/06 POLO RETAIL CORP SOUTHAMPTON NY 81.47 GENERAL MERCHANDISE 08/19/06 EXX0NMOBIL5906190433MAN0RVIL NY 61.90 PAY AT PUMP5906190433 08/20/06 EL PASO NEW YORK NY 15.00 FOOD/BEVERAGE 08/20/06 GRISTED ES 8512 NEW YORK NY 9.83 GROCERIES 5399-09 08/20/06 J.CREW - EAST HAMPTOEAST HAMPTON NY 81.47 NON APPAREL ACCESSORIES 08/23/06 EQUINOX COLUMBUS C 212.881.0425 NY 150.00 HEALTH SPA 08/30/06 PAYPAL*JAPANESEBOW 402 935 7733 CA 188.90 MISC PROFESSIONAL SVCS 09/04106 SAKS FIFTH AVE -001NEW YORK NY 141.97 GIVENCHY FOUNDATION Description ENCHY FOUNDA11O ENCHY EYES 09/05/06 SEPHORA #336-67TH STNEW YORK NY 107.29 COSMETIC STORE Continued on reverse EFTA01704564 DUPLICATE COPY emole P)00C<- Page 4 of 10 Amoum Transactions Continued 09/06/06 KODAKOALLERY.COM EMERYVILLE CA 3.61 KODAKGALLERY.COM 09/07/06 BRAZIL BRONZE INC NEW YORK NY 55.00 FOOD AND BEVERAGE 09/07/06 PARK PLAZA GULF OW BROOKVIL NY 67.32 000429848 SERVICE STA625114120423 09/08/06 PAYPAL 'LUX GROUP 402 935 7733 CA 47.99 MISC PROFESSIONAL SVCS 09/10/06 MOVIETICKETS COM 888-4408457 FL 23.50 MOTION PICTURE THEATERS Total of Card Transactions New Charges 1,633.26 Payments/Credits .1,684.06 Flexible Payment Option Statement of Account AmomtNunte Creditor: American Express Centurion Bank koa-k000 Cluck Dab 09/11/06 Thank you for using Flexible Payment Option. Account Minimum Summary $ Payment $ Previous Balance 563.65 0.00 Paymenls/Credits -3,125.65 FINANCE CHARGE 0.00 New Charges 2,562.00 New Balance 0.00 Finance Charge Balance(a) to Which Average Daily Annual Dally Periodic Please refer to page 5 Schedule Rate Applies Percentage Rate Rate for important information AU. $0.00 18.24 % .0500% regarding your Sign & Travel and/or Extended Certain of the ;3040de rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in theWall Street Journal, as described in your CarOmomber Agreement as currently in effect. Pawn R14• 10.01 RECEIVED -- THANK YOU fftSrAT:j 06/27/06 • 0VIEWPAVMENT RECEIVED - THANK YOU 1,082,16*z 09/06/06 COMPUTER PAYMENT RECEIVED - THANK YOU -1,715.02 08/13/06 BANANA REPUBLIC #811NEW YORK NY 217.83 APPAREUACCESSORIES 08/19/06 THE SOUTHAMPTON VILLSOUTHAMPTON NY 417.82 GIFT SHOP 08/22/06 BERGDORF GOODMAN NEW YORK NY 211.33 GOODS AND SERVICES 08/26/06 NY WAREHOUSE NEW YORK NY 269.85 SALES 08/26/06 HERMES * 90 NEW YORK NY 230.06 23 LEATHER GOODS 08)26/06 HERMES 90 NEW YORK NY 62424 23 LEATHER GOODS 08/28/06 PAYPAL +BRANDS SALE 402 935 7733 CA 255.70 MISC PROFESSIONAL SVCS 08/31/06 WWW.POW.COM 888-475-7674 PA 243.17 INTERNET RETAIL Continued on next page EFTA01704565 DUPLICATE COPY Arxeur1Matte OahuDa Page 5 of 10 nocooccoME 09/11/06 S&T and/or ExPO Activity Continued Amount* 08/31/06 BUDGET RENT A CAR, ST BARTHELEMY FWI 92.00 Rental Date: 08/31/06 Return Date: 08/31/06 Agreement Number: 3 Reference Number: EEN Total of S&T and/or ExPO Activity New Charges 2,562.00 Payments/Credits 4,125.65 Important Sign & Travel and/or Extended Payment Option Information Billing Inquiries Finance Charges: Average Daily Balance (ADB) Method for Calculation of Finance Charges (FC): We use the Customer Service ADS method to calculate Ft on your Account. Under this method, we calculate the FC on your Account by applying the 1.800.525.3355 Da:ly Periodic Rate (DPR) to the ADB (as described below) (including current transactions).. To get the ADB, we (1) (24 hours, toll free) take the beginning balance for each day (inducing unpaid FC from previous billing penods), (2) add any new transactions, debits or fees, (3) subtract any payments or credits credited as of that day, and (4) make any appropriate Address adjustments. For each day alter the first day of the billing period, we also add an amount of interest equal to the American Express previous day's dolly balance multiplied by the DPR. This gives us the daily balance for that day and the beginning Customer Service balance for the next day. If tits balance is negative, it is considered to be zero. Then‘ we add up all the daily balances P.O. Box 297807 for the billing period and 'tide the total by the number of days in the billing period. flz, gives us the ADB. The ADB for Ft. a biting paned will be considered zero if you paid the total New Balance, if any, shown on your previous billing Lauderdale, FL statement by the Closing Date of the ctrrent hang period. If you multiply the ADS by the number of days in the billing 33M-7807 period and the DPR, the result will be the FC assessed, except for variations caused by rounding. This method of calculating the ADS and FO results in daily compounding of FO. The information on page 2 of your statement concerning Payments Authorization for Electronic Debit, Authorization for Electronic Payments, Allocation of Payments and Credits, Transactions Made in Foreign Currencies, Billing Rights Summary, Special Rule for Credit Card Purchase and Credit Balance also appliesto thrsAocount. EFTA01704566 DUPLICATE COPY NM= Acccr.m: Meter Page 6 of 10 xxxx•xxxx' EFTA01704567 MembeftSiPliglicactis° Pago 7 of 10 Monthly Statement and Program News American Exprees• For questions about your Statement Period meenent Membership Rewards account, contact August 1, 2006 - August 31, 2006 1-800-AXP-EARN (297-3276) Account activity ester this period does not appear on this statement WA•R.O. vnyw.americanexpress.com/rewards Available Points laurbet American Express 152,123 Membership Rewards P.O. Box 297813 Points are available when charges are E am Double Points for all Ft. Lauderdale, FL 33329-9785 paid in kill and all your accounts are in Everyday Spend Points your Everyday Spend - good standing. earned this period: groceries, gas, pharmacy Available points Include Everyday Spend Points. 40 Account Summary Opening points balance 150.830 New points earned +1.293 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance =152,123 New Points Earned 08/01/06 - 08/31/06 Points Activity On Everyday Spend Bonus Points Total Pelt Activity Eligible Charges Points Awarded Per Card Platinum 1,253 40 0 1,293 Totals 1,253 40 0 1,293 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a tee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms and Conditions in your Membership Rewards Guido. If you have questions, please visit www.americanexpress.comirewards or call 1.800-AXP-EARN (297-3276). From overseas, call collect 305-816-2799. Earn 1Ox Points When You Send Gorgeous Flowers! Earn 10x Membership Rewardse points when you send Earn 10x Points whenever Tel flowers from Teleflora's Flower Club at vAvw.membershiprewards.flowerclub.com. Teleflora's unique floral bouquets don't come around every day. But if you shop with Telellora's Flower Club at wvny.membership FLOWER CLUBO you'd like, we can deliver them in only a day. Plus earn rewardsilowerclub.com or call 1.800-775.7523 bonus points for you! 100% florist designed and hand starting now and anytime throughout 2006. delivered. Va'd theeKet 120106 0M-Y co oele:e Eared midge UM. shown &Ye. CUM be eorntinal vdh any (MR Bonus ID 1600) deaf ale a spoeial pam>ionl. To be &gage to earn bate week you mutt be emcee' In the M11•00<nh0 Reeads pcgran a me tract purchase ant you must chigoe your et:cease tom ekebbe. mead knotean Eleressle Gad 8cnia pante wibe cabled lo your Menterslipfiemada acme,* Nate, 10.12 vexes allot Cha.neS appear on veer taro stelerneeL Bolus ID: 1600. Redeem Membership Rewards® Points for California Pizza Kitchen Gift Cards! Now you can redeem Membership Rewards points to To start redeeming purchase Califomia Pizza Kitchen gift cards. California Pizza Membership Rewards points today, log on to Kitchen provides a wide range of signature California-style, www.americanexpross. hearth-baked pizzas, to creative salads, pastas, soups and com/rewards or call sandwiches. With items like the Original BBQ Chicken Pizza, 1.800-AXP-EARN the Kung Pao Spaghetti, and the Waldorf Chicken Salad, (297-3276). CPK is sure to have something to delight everyone's taste (MR Message 6248) buds. To find a location near you, visit www.cpk.com. 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. EFTA01704568 American Expresso liLICATE COPY Wintu luroer Page 8 of 10 Earn DOUBLE Points on Stays of $850 or More in a Single Transaction at Vail Resorts The snow hasn't started to fly, but planning your ski vacation For Reservations call now could be a great way to kick off your winter. Book a stay 1.866.736-8549, visit VAIL RESORTS' vnvw.snow.com/amex or at Vail, Beaver Creek, Breckenridge, Keystone or Heavenly contact your professional less mother Dey I. paradise- resort between 8/15/06-10/15/06, and you can look forward travel Planner and have 00 to a world-class vacation to some of North America's best ski them call 1-866-736-8549. resorts--and double points! (MR Bonus ID 5716) Sows pane die, van] orly ed Woking, mole h 1466-7364549 d swevanoworonVernet Paw porde cal al be sinned Cr, exPtclual paymerra d765D or moreIna Web renuate. Dunmire 5E03 bonusWee pee Carchnemter drag demo:Ionperiod To be Nubia to earn bona NOVA you pus' to deeded n to MeirterehO Flernods® degrem al de tms d bpd€'g end you men Warr your DedoeD an en WSW. emded American Ewes.. Card terercen sisos-tonsce IrevernroDh x11507. pores w6 aedred 13 you' Mentershp Inwards :acre vrthn PS weeks tiler dwoos upped on you bldg sIddermn Scow ID:5716. QuietComfort® Noise•Cancelling Headphones from Bose: QC" 2 & New QC3 Models Available! With QuietComfort headphones from Bosee, you'll enjoy an To redeem, visit IWAV. unmatched combination of quality audio performance, momborshlprowards. com/boseheadphones ...-1717MS" acclaimed noise reduction technology and lightweight, comfortable fit. Your choice: QC' 2 headphones for or call 1.800-AXP-EARN (297-3276) by October 15, around-ear use (35,000 points - BOS70) and the new QC3 2006. headphones if you prefer a smaller, on-ear alternative (MR Message 5125) (40,000 points - BOS98). Redeem for these great Bose products by October 15, 2006. Tarns zed weakest:16e Mastership Resat,. 0regrene Redeem Membership Rewards® Points for Pottery Barn At Pottery Barns', Membership Rewards enrollees can shop For a store near you or to for home furnishings of exceptional comfort, style and request a catalog, visit www.potteeybam.com or POTTEHVBARN quality. Pottery Barn's designers draw inspiration from call 1.800-922.5507. around the world to create an exclusive collection of furniture. (MR Message 7275) RedeemMembership Rewards® Points for Southwest Rapid Rewards! Southwest Airlines offers low fares, legendary customer To learn more about these service and all leather seats on more than 3,000 daily rewards and redeem points, visit nonstop flights to over 62 destinations across the U.S. www.amoicanexpress. r iblenHWE .— Southwest will begin service to Washington Dulles tom/rewards or call RAPID REWARDS 1.800-AXP-EARN A 3VII801, OP flel06•4 International Airport on October 5, 2006 with 12 daily nonstop departures to Chicago Midway, Las Vegas, Orlando (297-3276). and Tampa Bay. It takes only eight roundtrips (or 16 Rapid (MR Message 9127) Rewards credits) within 24 consecutive months to earn a fully transferable roundtrip Award valid for one year. TOMS and cord:rays d tie Idernbershipfleevach pcgam app/.Fa mum donna vat IMANtomalcanexprosssomftereards. 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. EFTA01704569 DUPLICATE COPY ClostoNto Page 9 of 10 aim Arou-4 *neer >0O0O0W0M 09/11/08 CustomExtras- Reward Yourself with USA TODAY for Only $.55 per Day To redeem, call 1-800-872-0001 and Start your day off right with home or office delivery of USA TODAY. mention code 727 or visit USA TODAY delivers the news you need to know, when you need it, us online at in a concise format to save you time. Enrich your life with exclusive www.myusetoday.com/ stories only found in USA TODAY. Just 13 weeks for $35.75, 26 your. weeks for $71.50 or 52 weeks for $143.00. (CE 107778) NEVER GRAY. Only American Express* Cards are accepted. Void in Alaska Local sales tax when applicable will be added to your order. Stay in an Exceptional Villa Through Platinum Villas For more information about the full range of Looking for a home-away-from-home in Europe, the Caribbean, homes and expenences Mexico, or the United States? With Platinum Villas, you can plan a available through Platinum personal retreat at a luxurious beach cottage, an elegant villa, or an Villas, call the speClairStS exclusive, private residence and quickly become enmeshed in the at Platinum Travel Services at local way of life--and receive a valuable amenity of $500 or more. 1-800-443-7672. (CE 107829) Program terms and concitions apply. For full program information, visit wvay.amerIcanexpress.com/platInum. Enjoy Fine Dining Around the World To make a Fine Dining reservation, please call For dinner reservations across town, across the country, or across 1-800-345-2639, the ocean, look to the Fine Dining program available to you as a option 2. Platinum Card® member. Every day, a reservation is held at more than 1,000 of the most highly acclaimed restaurants worldwide. So, (CE 107828) when the need arises for a reservation at a hometown favorite or an outstanding restaurant in another city, Fine Dining can help. Reservations are provided on a first-come, first-served basis, so please call as early as possible. All cancellations must be made by calling Platinum Card Concierge at least 24 hours in advance of the reservation, otherwise a $15-per-person cancellation fee ($60 minimum, $120 maximum) will apply. Now Accepting American Expresso Cards! If there are other places where you would like to Perin() Tours - America's travel company to Italy and Hawaii. Since see the Card accepted, 1945. First class, fully escorted, all-inclusive vacations. Call please call the Customer 1-800-431-1515 or www.perillotours.com. Service number that is located at the top of your statement or the number Xavlar's of Plermont - What happens when genius encounters a that is on the back of your blank plate. Located at 506 Piermont Avenue in Piermont, NY. Card. Contact us at 845-359-7007 or www.xaviers.com. (CE 107978) In Vino - Offers a wide selection of quality wines, with a list topping out at 189 wines. Serves a full menu with our famous pastas. 215 E. 4th St., NYC. Call 212-539-1011. Travel Medical Protection • Travel with Peace of Mind There are some things you can't pack in a Travel Medical Protection, offered exclusively to American Express® suitcase, like adequate Cardmembers, provides insurance coverage for up to $100,000 for insurance. So travel with eligible expenses related to evacuations and medical and dental peace of mind! To learn emergencies, while on a Covered Trip traveling anywhere in the more about the coverage or how you can enroll world, when more than 150 mile radius from Your Permanent yourself and your loved Residence for up to 45* days whether driving, on a cruise ship, flying ones, call 1.800-297-2900 on a Scheduled Airline or taking the Amtrak. and mention RSVP code Travel Medea! Protection is underwritten by AMEX Assurance Company, Administrative U3Y. Office, De Pere, Wisconsin. Coverage is subject to the terms, conditions, and exclusions of (CE 107785) Master Policies (varies per state) AX0950, AX0916, AXOI 24 a Policy Form Number TMP-IND and is subject to change with notice. in most states. 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. EFTA01704570 DUPLICATE COPY ['b d FO, i ACCOJel Nu/tr. Page 10 o! 10 )00C<- Join Us - Support Boys & Girls Clubs of America Visit www.mylitemycard. comMonatebgca for American Express is proud to support the 2006 Centennial more information or to E N A. Celebration of Boys & Girls Clubs of America. Help create 100 more make a donation. years of hope and opportunity for kids by donating to BGCA. For every donation made with an American Expresso Card, American (CE 107780) Cl Waal. OM! Express will donate an additional $5. 2006 bees.* ust.Oencropaseas American Express will donate an additional $5 for every donation made with an American Express Card, up to $25,000, through December 31st, 2006. Addlional $5 donation is not tax daductible. Use the Card to Make Bill Paying Easy Visit www.americanexpress. Enjoy the time-saving convenience of using your Card to pay your comrabp45 for more bills. You can consolidate your payments and make sure your bills information. are paid on time. And you're backed by the security of American Express. Contact your providers directly and tell them to charge your (CE 107887) monthly bills like wireless to your Card. Terms and condtions apply. Not all providers service all markets. In some instances it may take more than one billing cycle before initial paid amounts are posted to the Card account. Please remember to cancel these payments with your service provider if you close your Card account, and advise you service provider if your Card account number changes. Are You Overpaying for Personal Checks? Order now at www.amexpub.com/ Tired of the inconvenience of ordering your personal checks through checks/statement or call your bank? Since 1997, American Express Publishing has been 1.800.662.2314 to request offering personal and business checks and accessories to a brochure. Cardmembers at prices up to 50% less than financial institutions. (CE 107890) Other quality products we offer are address labels-, deposit slips, checkbook organizers, stamps, binders, and more. We adhere to security features that exceed industry standards, as well as strict confidentiality of account information. And, we offer an unconditional money-back satisfaction guarantee. Order your checks now from a trusted name--American Express. Extend Your Warranty! For more information, visit us online at Suddenly your camera stops working the day after the manufacturer's www.americanexpress. warranty expired. Easily fixed. With the Buyer's Assurance Plan, if you com/ba. purchase a covered item entirely with your American Expresso Card, the terms of the warranty are extended for up to one additional year (CE 107888) on warranties of five years or less that are eligible in the U.S. Buyer's Assurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, condtions, and exclusions of Policy AX0953 and is subject to change with notice. This document does not supplement or replace the Policy. 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. EFTA01704571 DUPLICATE COPY • 156 329 Memberehip•Rewitele, Platinum Card® APOIMSAvailitifta Statement of Account , PO' ;Ill iser tac5Ant a alkOV*all0I/Dl l AxouniNweber Ckeir• Da 10/11/06 Page 1 of 8 New cha s! 0 Minimum Please Pay By RwWeBaluceS PapwitelCrWm$ New Balance S Amount Dm • 11/05/08 Due In Full 471.65 -471.65 +958.47 958.47 +958.47 Please refer to page 4 on How to Avoid Flexible 0.00 -98.91 +669.86 +570.95 +20.00 Additional Finance Total 471.65 -570.56 +1,628.33 =1,529.42 Charges. Please refer to page 2 for important information regarding your account Terms - Payable in full upon receipt of statement. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. For automatic replacement of a lost, stolen, non-received or damaged card, call 1-800-992.3404. For automatic balance information, please call 1-800-525-3355 and press option 1-1. For assistance or questions about your account, contact us at www.americanexpress.com or call Customer Service at 1-800-626-3366. Get Your Premium Seats in New York City and Los Angeles You have access to some of the best seats in the house through our Premium Tickets Program offered as part of Platinum Card® benefits. Enjoy prime seating and VIP access at venues in New York and Los Angeles while you take in the best in professional entertainment. All sales are final and nonrefundable and resale is prohibited. Details and prices are subject to change. Suites, packages and tickets are available on a first-come, first-served basis. All ticket orders are subject to service charges. Payment must be made using the Platinum Card from American Express. Availability Is limited. For tickets, call 1-800.321-RSVP (7787), 8am-11pm EST, seven days a week. ;Cahn!) <We Activity Ineales Arnouni Card Transactions for 515 FYMT RECV7 THANK YOU -471.65 09/17/06 PAYPAL 'AMY SMITH 402 935 7733 CA 47.CO MISC PROFESSIONAL SVCS 09/22/06 LOEWS #110 viLLAGE WANHATTAN NY 21.50 MOTION PICTURE THEATERS Please Ica on the perkwalca bobs, ddrh ad return with war primonl 4 Continued on Page 3 Please Pay By: Please enter account Payment Coupon 11/05/06 number on al checks and cones dance. Payable in US e • ars upon receipt Total New Balance with a bank in the US or $ 1,529.42 money order, processable through the US banking Minimum Amount Due system. To Pay by Phone, call 1-800- I-PAY-AXP or $978.47 1-800.472.9297. Please refer to Page 4 NEW YORK NY 10021 -6217 on How to Avoid Additional Finance Charges. Lnllllt,tll..... • Check here It address or Amount enckeed telephone number has changes. Note changes on Mail Payment to: reverse side. AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 l .11ll %MillllrtttlrllttINLlttltltltlttIlttillltl EFTA01704572 DUPLICATE COPY Page 2 of 8 M NI rcte cca Payments: Payments received alter 12:00 noon may not be credited until the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must be made with a single check or draft &awn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system, or through an electronic payment method payable in US dollars and clearable through the US banking system. Your Account number must be included on all payments. If To Pay By Phone payment does not conform to these requirements, crediting may be delayed and additional Charges may be imposed. If we 1-800-472-9297 accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US dollars, unless a particular rate is required by law. Please do not send post-dated checks. They will be Customer Service, Lost deposited upon receipt. Our acceptance of any payment marked with a restrictive legend will not operate as an accord and satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks or Stolen Card and all electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, other services account number and check serial number to your financial institution, unless the check is not processable electronically or a 1-800.525.3355 less costly process Is available. By subtitling a check for payment, you authorize us to initiate an eledronic debit from your 24 hours/7 days bank or asset account. When we process your check electronically, your payment may be debited to your bank or asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your bank or Car Rental Loss and asset account statement. II we cannot collect- the funds electronically wo may issuo a draft against your bank or asset Damage Insurance account for the arrant of the check. Authorization for Electronic Payments: By using Pay By Computer, Pay Phone 1-800-338-1670 or any other electronic payment service of ours you will be authorizing us to initiate an electronic debit to the Financial account you specify in the amount you reiouest. Payments received after 5:00 p.m. MST may not be credited until the next day. Allocation of Payments and Credits: Subiect to applicable law, we wal apply and allocate payments between your Hearing Impaired Card Account and your Sign & Travel and/or Extended Payment Option Account (if that account has been activat (9am-5pm EST) ("Extended Payment Account') (referred to as "Accounrin the Sign & Travel and/or Extended Payment Option Agreement TN: 11-800.221.9950 and, within each of these accounts, to Charges in any order andmanner determined by us in cur sole discretion. In m FAX: 1.800.695.9090 cases, if you have a credit balance on your Card Account we wll not apply or allocate any part 01 that credit balance to In NY: 1.800-522-1897 any Extended Payment Account unless you contact us at a time the credit balance exists and instruct us in writing how you want us to y that oredt balance. Charge Card and Statement Information: The annual fee is $395.00 for the Basic Large Print and Braille Card, $175. rii for up to three Additional Platinum Cards (flour Account and $175.00 for each Additional Platinum Card Statements on yarr Account after the first thee. The annual fee is $45.00 for up to five Additional Gold Cards on your Account and $45.00 for each Additional Gold Card on your Account after the first five. You may discontinue your .membership by 1-800-525-3355 contacting Customer Service.TransactIons Made In Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by Travel Emergency and applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use Worldwide Personal for a Charge In a foreign currency is no greater than (a) the highest official conversion rate published by a government Assistance and Fine agency or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion Dining date or the prior business day, in each instance Increased by 2%. This conversion rate may differ from rates in effect on 1.800-345-AMEX the date of your charge. Ch7 s convened by estatfishments (such as airlines) will be billed at the rates such establishments use. Billing Rlah s Summery: In Case of Errors or Questions About Your BM: If you think your bill is Platinum Card Travel incorrect, or If you need more in orrnabon about a transaction on your bill, write us cn a separate sheet of pa r at the Service and Fine Hotels, Customer Service address noted to the right. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us at the number indicated on the front of this statement, but demo Resorts & so will not preserve your nett. In your letter, • us the following information:I. Your name and account number; 2. The 1$00.443. 672 dollar amount of the suspected error; 3. Des why you believe there is an error. If you need more information, describe the item yur are unsure about. You do not have to pay any amount in question while we are investigating, but you are still Platinum Card obligated to pay the pails of your bill that are not in question. while we investigate your question , we cannot report you as By Invitation Only delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from 1.800-321-RSVP our chocking or savings account, you can stop the payment on any amount you think is wrong. To stop the payment your y otter must reach us three business days before the automatic payment is scheduled to occur. Special Rule for Credit • Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you • have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or semces. You have this protection only when the purchase price was more than $50 andthe purchase was made in your home stale cr within 1.00 miles.of your mailing address. (If we own or.operate the merchant, or if we-mailed you the Customer Service advertisement for the properly or services, all purchases are covered regardess of amount or location of the purchase). P.O. Box 7825 C.S Credit Balance: If a credit balance (designated CR) is shown on this statement, it represents money owed to you. If you Ft. Lauderdale, FL do not make sufficient charges against the credit balance or request a refund, we will, within 30 days after expiration of the six-month period following the date of the first statement indcating the credit balance issue a check to you for the credit 33329.7825 balance if the amounts.00 or more. Important Notice to North Dakota Residents: If the Account is past due for two or more tilling periods, a late payment fee ol1.75%of all past due amounts will be added. Express Cash ations PA P.O. Box 297815 Ft. Lauderdale, FL 33329-7815 Payments P.O. BOX PARS NEW YORK NY 101184855 Change of Address • To change your address online, visit nnwiamericanexpress.com/updatecontactinfo N oared on crook • For Name or Company Name changes, please call the Customer Service do no, 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. Stool A6Icesa Qty. Stale Zp Code Please provide your Ana Cede and e-mail address to Hone Phone receive important account updates and I I HI al Area Code and Wak Mita exclusive Cardmember Erna (Co! Onag offers and benefits. You may visit the American Express Privacy Statement at wincamericanexpress.com/privacy for more details andto set youremail preferences. EFTA01704573 DUPLICATE COPY Acrsiurt Nuinter Closing Date Page 3 of 8 XXXX- )COO( 10/11/06 Amount $ Transactions Continued 09/23/06 LACES INC 212-334-5457 NY • 90.00 0 09/23/06 EQUINOX COLUMBUS C 212-881-0425 NY 150.00 HEALTH SPA 09/26/06 HALLAK AND SONS CLEAHACKENSACK NJ 138.50 CLEANING SERVICE/SUPPLY 09/26/06 PAYPALPSENJAV 402935 7733 CA 107.00 MISC PROFESSIONAL SVCS 10/04/06 RAOUL'S RESTAURANT US NY 121.87 RESTAURANT FOOD/BEVERAGE 101.87 TIP 20.00 10/06/06 SEARLE NEW YORK NY 108.00 WOMEN'S READY-TO-WEAR 10/08/06 BARNEYS NEW YORK 660 MADISON NY 54.19 SALES 10/09/06 BEDBATH&BEYONDII0361 NEW YORK NY 95.24 DEPARTMENT STORES 10/09/06 GRISTED ES8512 NEW YORK NY 25.17 GROCERIES 5399-09 Total of Card Transactions New Charges 958.47 Payments/Credits 471.65 Flexible Payment Option Statement of Account Accounl Manta )30IX-X)C0t amp Oalo 10/11/06 Thank you for using Flexible Payment Option. Account Minimum Payment Summary $ Payment $ Due Date Previous Balance 0.00 20.00 11/05/06 Payments/Creckts -98.91 FINANCE CHARGE 0.00 New Charges 669.86 New Balance 570.95 Finance Charge Balance(s) to Which Average Daily Annual Daily Periodic Please refer to page 4 Schedule Rate Applies Balance Percentage Rate Rate for important information ALL $0.00 18.24 % .0500% regarding your Sign & Travel and/or Extended Certain of the periodic rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. " Faelgn Cisioncy antersko rub re base fa*, 2% SYepape21adetab. Fteetn Spending &Taunt $ S&T and/or ExPO Activity for 09/15/C6 COMPUTER PAYMENT RECEIVED -- THANK YOU 09123/08" ,01, , st9W21820234099 t §r WeCi .i W.>PArjebtrartn-49P 778 07:5199 ($:54,§7): 09/12/06 SEPHORA 159 CHAMP ELYSEES, PARIS 3; 20 44.04 "Swope= Unco FRANCE Euro VOUS REMERCIE DE VOTRE VISITE 09/22/06 MTA VENDING MACH1NESBROOKLYN NY 20.00 MTA IsAVM18TH ST / HUNTE 09/23/06 FACONNABLE NEW YORK NY 395.57 FACONNABLE WMN Continued on revenue EFTA01704574 DUPLICATE COPY Page 4 of 8 E °oci Guuency cerweacci ,afe s fr iegn &Ceding Amount S&T and/or ExPO Activity Continued bass rats $n 2%. Set pay 2 Mr ddais. 1C/09/06 BAP.NEYS NEW YORK 660 MADISON NY 210.25 SALES Total of S&T and/or ExPO Activity New Charges 889.88 Payments/Credits -98.91 Important Sign & Travel and/or Extended Payment Option Information Billing Inquiries Finance Charge: To calculate the Finance Charge, we multiply the Daily Periodc Rate, by the Customer Service Average Daily Balance for the billing period. Then we multiply the product by the number of days 1-800-525-3355 in the billing period. To get the Average Daily Balance we take the beginning balance of the (24 hours, toll free) Extended Payment Option ("Account") each day, add any new Account Charges and accrued and unpad Finance Charges and subtract any payments or crafts. Then we add im the daily Address Man= for the biting period and divide by the number of days in the biting period. This gives us American Express the Average Daily Balance. This method of computation of the Average Daily Balance results in Customer Service compound Interest. If t1 any 12 month period endrv.i with the Closing Date Of the current biting P.O. Box 297807 period you were in default on your Account or any other American Express Account, the APR applicable to your entire Account balance will be as disclosed to you in your Cardmember Ft. Lauderdale, FL Agreement and its supplement(s). Payments: Please see the payment information and 33329-7807 instructions on Page 2. Remember, your payment each month should be for at least the Minimum Amount Due or the Total Amount' Due, whichever appears on the Card Account Statement Either amount includes the Account Minimum Payment shown on the Account Statement and the balance due on your Card Account. If you want to pay more than the Minimum Payment ( up to the entire Account New Balance ) , make your payment for the lager amount and the excess will be applied to your Account. How to avoid Additional Finance Charges: To avoid additional Finance Charges the Account New Balance must be paid in full by the Closing Date of the next billing period. American Express Centurion Bank will not impose Finance utarges for Account Charges made in any billing period for which payment in lull has been received on or berore the Closing Date of the next baling period. Creditor: The Extended Payment Option and/or Sign & Travel e issued by American Express centurion Bank. EFTA01704575 membeaRcififffitis° Page 5 of 8 Monthly Statement and Program News Amer ican Express* For questions about your Statement Period memecriSnir Membership Rewards account, S - contact September 1, 2006 • September 30, 2006 1-800-AXP-EARN (297-3276) Account activity after this period does not appear on this statement iiltREWARPI www.americanexpress.com/rewards Available Points American Express 156,329 Membership Rewards P.O. Box 297813 Points are available when charges are Earn Double Points for all Ft.Lauderdale, FL 33329-9785 paid in full and all your accounts are in Everyday Spend Points your Everyday Spend - good standng. earned this period: groceries, gas, pharmacy Available points include Everyday Spend Points. 170 Account Summary Opening points balance 152,123 New points earned +4,206 Points transferred or redeemed 0 Reinstated points and adjustments 0, New points balance =156,329 New Points Earned 09101/06 - 09/30/06 Points Activity On Everyday Spend Bonus Points Total Points Activity Eligible Charges Points Awarded Per Card Platinum 4,036 170 0 4,206 XXXX-XXXa Totals 4,036 170 0 4,206 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card accounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms and Conditions in your Membership Rewards Guide. If you have questions, please visit wvnv.americanexpress.00rnirewards or call 1.800-AXP-EARN (297-3276). From overseas, call coiled 305.816.2799. Redeem Membership Rewards® Points and Plan a Winter Wonderland Vacation! Enter the world of Vail, Beaver Creek, Breckenridge, To preview this reward and Keystone and Heavenly resorts, where you'll ski through to redeem points, visit VAIL RESORTS' www.membership pristine alpine bowls, stroll through quaint villages lined with rewards.com or call Rut Metter Day Is Paradise` eclectic boutiques, ride rails in one of the world's top terrain 1.800-AXP-EARN parks and carve turns on an immaculately groomed cruiser. (297-3276). Or, simply stop and take in the dramatic view of a sparkling (MR Message 4326) blue lake or dine in a cozy mountain lodge. Create a one-of-a-kind vacation when you redeem Membership Rewards points for the ultimate ski experience. Toms aide:reddens cilM Ibertersnla Rewards pavan tipple.F inferinaten,Val wrniianomberahlpmrards.com. The Capital Grille Invites You to Enjoy an Extraordinary Meal at Two New Locations The Capital Grille is pleased to celebrate the grand opening Redeem Membership of two new locations: Milwaukee, WI and Lombard, IL Enjoy Rewards-anoints for a $100 or a $250 certificate dry-aged steaks, chops and fresh seafood, and an award- to The Capital Grille at winning collection of over 400 wines. From mouthwatering www.membershlp appetizers to irresistible desserts, you can savor classic fare rewards.com. in an atmosphere that is both luxurious and relaxed. For (MR Message 6456) more information, visit www.thecapitalgrille.com. Ar MontereNa DemistaS program leans aria cations apply. Continued on reverse Otters are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704576 American Express* ICATE COPY °CASIMIR Page 6 of 8 A t II \ti R Db I Get Away from the Cold This Winter by Flying Mexicana! Travel with Mexicana for 20% less Membership Rewards® To preview this reward and points now through December 7, 2006. Call Frecuenta to redeem points, visit a• Customer Service at 1.800-531-7901 to make your www.membership MEXICF1NR reservation and mention code: GGMRBEACH when rewards.com or call 1.800-AXP-EARN requesting the offer. Then transfer your points from (297-3276). Membership Rewards to Frecuenta miles by calling (MR Message 9311) 1-800-AXP-EARN or redeeming online at www.membershIprewards.com. Tarns ard con:Pions d the Yorrbershia Reoranis proara-n apply. For mole 'Scans:kmrisk www.memberahlprewards.com. Earn Triple Points at Hilton Hawaiian Village® Beach Resort & Spa and Hilton Waikoloa Village Starting this fall, you can earn 3x points at Hilton Hawaiian Visit www.Hllton Village on Oahu or Hilton Waikoloa Village on Hawaii's Big HawallanVillage.com, call 1.800-HILTONS or contact Hilton Island. Book an eligible rate from $229 and stay from 10/1/06 your local travel to 4/30/07 to earn points for all charges, including resort Hawaii professional. Must enter Travel should take you pieces- purchases, charged to your room when you use your request code P5 and pay American Express® Card! an eligible rate. To earn bonus odors. youmud be enrolcd in the Membership Roviasdar pagram M es Sneer rajialtabon (MR Bonus ID 5263) at chair your day on an Nyae, ectekd amer::an Eccess Cat larglas rY.an recce from b Sbaco-nincht snyo or date ceeLpancy. bobabb rat ireola (not to) gavenwerlat relbarY. Krna'aera(Hawai resiienl). whok-sa'or pxiacie. carats ardgeoupreconution rates. RoomMagee irckdo ss spend chargoi le your rem, oket o'slio me keg:rim dames, exeltdit %hen ral Wisp:11al the owcand Card. Suitt pont: to traded so your aaoodrinve.b anget cluv“ appear on your vatArneol gam% In 520. Earn Double Points at Tourneau • WatchFest 2006! Celebrate WatchFest 2006! Visit any Tourneau or Tourneau Visit Tonneau in October Watch Gear Store during the entire month of October 2006 2006 to eam double points) TOURREAU SING: 1000 and earn double Membership Rewards® points on any purchase when you use an eligible, enrolled American (MR Bonus ID 5451) Express® Card. To be eriable tO earn Wy sD*1s. you must be ereated n Ile Ifeertersho Rena prow= (Treys-in a the tire Of purthese St you Must drupe yos puthase en en &ebb enrols, Anterior Express Card. Bann Kids wa be credit byes Pregrem etossi we:tin643 wteh es dopes .spear co your klera sWenetl. Bonus 0:5451. Great Savings on Hawaiian Airlines® Special offer for Membership Rewards® enrollees, receive To redeem for this offer, 10% off Fall web fares between the Mainland U.S. and you must book fights via www.HawallanAldlnes. Hawaii on Hawaiian Airlines.* Book now through October 31, com/AmoxMR. 2006, and travel between August 28-December 14, 2006. HAWAIIAN (MR Message 7208) —flIRLIRES-- *Some restrictions apply. • Terms act cottons d the Islentoshe Rewards poems esply. For moo :tombs; vell www.membushIptewards.carn Redeem Today for the Sony XM Ready Shelf System • Only 35,000 Points! The Sony XM-ready shelf system features XM Connect & To redeem, visit www. Play compatibility, 170 watts of total power with 85 watts per membershiprewards. comrSonyXMReady or SONY. channel x 2, 5-disc CD changer with CD pop-up loading mechanism, PC/audio in for digital music or PC input, 3-way speaker system, S-Master® digital amplifier and AM/FM tuner call 1.800-AXP-EARN (297-3276) by November 15, 2006. with 30 presets. Redeem today for this or other great (MR Message 8464) products from Sony only in the Membership Rewards® • program. Reward Code: HLX450. Points: 35,000. Teens at corotbns cl me Mcabershe Rew&th srcram ax4/. 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. EFTA01704577 DUPLICATE COPY For Casing0S Page 7 of 8 10/11/06 CustomExtras Make Your Next Dinner Out Even More Rewarding Why not start dining out tonight? American Express is pleased to present the Passport to Dining program. You can earn a prepaid Dining Out Card worth $100 when For a list of participating you use your American Express® Card from September 20 through restaurants and details November 30, 2006 at four or more participating San Francisco on how to claim your reward, visit restaurants and your receipts add up to at least $400. Using your www.mylifemycard.com/ Card helps local AIDS organizations, too. American Express will go/passporttodlnIng. donate 5% of each American Express transaction at participating restaurants--up to $50,000 in total--to the Macy's Passport 2006 AIDS (CE 107906) Organizations. The more of these restaurants you enjoy, the sooner you can earn your reward and the more funds you'll help raise for HIV/AIDS research, education and patient care. Earn Membership Rewards® Bonus Points at One Carnegie Hill For more information on One Carnegie Hill, visit us Sign a lease at One Carnegie Hill and earn 25,000 Membership at www.onecamegiehill. Rewards bonus points when you pay your rent with an American corn. For more ONE Express® Card. Introducing the Upper East Side's extraordinary new information on the luxury rental, featuring an 18,000-square-foot Residents' Club and Membership Rewards CARNEGIE program, visit exclusive benefits available through this special offer from Related vnwe.americanexpress. Rentals and American Express - One Carnegie Hill - 215 East 96th com/rewards or call Street. Offer valid until 2/28/07. 1.800-AXP-EARN (297-3276). III, IASI 01114 STIllf I (CE 107905) To earn bonus points, you must be enrolled in the Membership Rewards program at the time of sign-up or renewal and you must charge your rent on an eligible, enrolled American Express Card. Rent payment must be made through Automatic Bill Payment. ID: 0270 Now Accepting American Express® Cards! If there are other places where you would like to Roto-Rooter - America's Neighborhood Plumber®. For fast, see the Card accepted, professional plumbing and drain service, call 1-800-GET-ROTO please call the Customer (438-7686) or schedule online at www.rotorooter.com. Service number that is • located at the top of your statement or the number Porter House New York - Michael Lomonaco's contemporary that is on the back of your American steakhouse with a premier seafood program. 10 Columbus Card. Circle, NYC. 212-823-9500. www.porterhousenewyork.com. (CE 107921) AJ Maxwell's Steakhouse - Classics in a sophisticated Rockefeller Center locale, ideal for business lunches, pre-theater, or private events. 57 W. 48th St. 212-262-6200. www.ajmaxwells.com. Save 61% OFF the Newsstand Price for Sports Weekly! 52 weeks only $34.95. Subscribe or give a gift of Sports Weekly and SAVE UP TO 61% OFF Call 1-800-872-1415 and the Newsstand! USA Today's Sports Weekly takes readers inside the mention promo 145 or go *AEA dugouts, locker rooms, and playing fields. Including the best fantasy information available for baseball and football. Sports Weekly offers online to www.mysportsweeldy. com/bestdeal. the impacting content avid sports fans want. (CE 108038) SpensWosidy Only American Expresso Cards are accepted. Void in Alagan Local sales tax when applicable will be added to your order. Savings calculated off the newsstand price of $1.75 per copy Enjoy Savings of Up to 35% When You Visit Ireland For further information on these and many more Enjoy a great range of savings in hotels, restaurants and retail outlets offers, go to when you travel to the Republic of Ireland. Offers include a 25% www.americanexpress. saving on luxury golf holidays with Carr Golf & Corporate Travel, a co.uldvisitireland and 25% saving on a two-night stay at the Heritage Hotel, complimentary make sure to use your American Express® Card champagne with dinner at the Harvey Nichols restaurant, and a 15% when you travel to Ireland. saving on the finest of Irish design in contemporary fashions and gifts at Kilkenny stores. (CE 108056) Offers available until November 30, 2006. Otters are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704578 DUPLICATE COPY Page 8 of 8 FREE Dream Book" Guide To request you Dream Book guide, call People who write down their retirement dreams are much more likely Ameriprise Financial at to achieve them. So Ameriprise Financial created the Dream Book 1486-801-7517 or visit guide to help you do just that. The Dream Book helps you craft a www.ameriprise.com. vision of your ideal retirement, and take steps toward making it a (CE 108057) tironoultobloof reality. Ameriprise Financial is a financial planning company with Ameriprise more than 110 years of experience. Let Ameriprise Financial help you Filandal get started—request yours today. Brokerage, investments and financial advisory services are made available through Ameripnse Financial Services Inc., Member NASD and SIPC, an Ameriprise Financial company. noos Ameriprise Financial, Inc. All fights reserved. Join Us - Support Boys & Girls Clubs of America Visit vrvnv.mylifemycard. corn/bate to learn more Boys & Girls Clubs of America gives young people the skills they about BGCA and how you IRV 4, need to succeed. The Club is a place that offers programs and can help create 100 more ÷ t activities every day--after school and on weekends—when kids are in years of hope and kr O..\. "r need of positive, productive outlets. BGCA is dedicated to inspiring opportunity for Idds. O \N„,„ C and enabling all young people to realize their full potential. NOMIIGRUP (CE 108008) awed 2 00 6 Travel Medical Protection - Travel with Peace of Mind There are some things you can't pack in a Travel Medical Protection, offered exclusively to American Express® suitcase, like adequate Cardmembers, provides insurance coverage for up to $100,000 for insurance. So travel with eligible expenses related to evacuations and medical and dental pepoo of mind! To learn emergencies, while on a Covered Trip traveling anywhere in the more about the coverage or how you can enroll world, when more than•150 mile radius from Your Permanent yourself and your loved Residence forupto.45* days whether driving, on a cruise-shiph flying ones, call1-800-618-8302 on a Scheduled Airline or taking the Amtrak. and mention RSVP code Travel Medical Protection is underwritten by AMEX Assurance Company, Administrative UAR. Office, Do ROM, Wisconsin. Coverage is subject to the terms, conditions, and exclusions of (CE 107957) Master Policies, (varies per state) AX0950, AX0916, AX0124 or Policy Form Number TMP-IND and is subject to change with notice. in most states. Identity Theft Assistance from American Express For more information, visit us online at No matter how careful you are, identity theft can happen to you. But www.americanexpress. here's the good news: With Identity Theft Assistance, we have corn/Mlle. representatives on call when you need them-24/7—in case the unexpected does happen. We can help determine if you are a victim (CE 108065) of identity theft, recommend steps for recovery, and offer tips on how to protect yourself in the future. On request, we'll also send you a comprehensive package designed to further help you navigate the recovery process. Should you discover that somebody is using your identity online or in shops, you can turn to American Express for help. And more good news: As a valued Cardmember, you automatically receive Identity Theft Assistance--free of charge. Identity Theft Assistance from American Express For more information, visit us online at No matter how careful you are, identity theft can happen to you. But swnv.americanexpress. here's the good news. With Identity Theft Assistance, we have comildtheft. representatives on call when you need them-24/7--in case the unexpected does happen. We can help determine if you are a victim (CE 107889) of identity theft, recommend steps for recovery, and offer tips on how to protect yourself in the future. On request, we'll also send you a comprehensive package designed to further help you navigate the recovery process. Should you discover that somebody is using your identity online or in shops, you can turn to American Express for help. And more good news--as a valued Cardmember, you automatically receive Identity Theft Assistance, free of charge. 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. EFTA01704579 DUPLICATE COPY Rewards • Platinum Card® 1:f PliitSts Available Statement of Account at 10131 06,whencharges due are paid in full and all accounts are in good standEng., krountNumber Maly Dale 11/10/06 Page 1 of 9 Prevkus Balance $ Pawnee/Cleft $ PirlairCe etgr t New EISsce $ Minimum Amount Due $ Please Pay By 12/05/06 Due in Fun 958.47 -1,450.68 +1,100.32 608.11 +608.11 Please refer to page 4 on How to Avoid Flexible +570.95 -570.95 +308.64 +308.64 +20.00 Additional Finance Total 1,529.42 -2,021.63 +1,408.96 =916.75 628.11 Charges. Please refer to page 2 for important information regarding your account See Page 9 For A Notice Of Changes To Your Membership Rewards® Program Account Terms - Payable in full upon receipt of statement. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. For automatic replacement of a lost, stolen, non-received or damaged card, call 1-800-992-3404. For automatic balance information, please call 1-800-525-3355 and press option 1-1. For assistance or questions about your account, contact us at www.amorlcanexpress.com or call Customer Service at 1-800-525-3355. Pay now or pay later. snow Nowor winter' coat Do you want to select charges on this hot, mom t., PVP statement to pay later? reatal oar All:.:` licact5 visit americanexpress.com/selectandpav or see CustomExtras pages at the end of your Statement for details. kr.:14.: a Activity htd`3°°"d" 10/13fC6' 1.653 45 CHKLESS PYIAT RECV- THANK YOU -1,082 50 570.95 APPLIED TO SIGN & TRAVEUExPO 10,24/36* COMPJT ER PAYMENT RECEIVED' THANK YCU. -368.18 Ple:ze lob cc, the We [thaw, deist and :Num weh your pagrert Continued on Page 3 Payment Coupon Azar., Nutter Please Pay By: Please enter account 12/05/06 number on all checks and correspondence. Payable in US Dollars upon receipt Total New Balance with a bank in the US or $ 916.75 money order, processable through the US banking Minimum Amount Due system. To Pay by Phone, $628.11 call 1-800- l-PAY-AXP or 1.800.472.9297. Please refer to Page 4 NEW YORK NY 10021 - 6217 on How to Avoid Adcfitional Finance Charges. I„dllLnll,,,,, • I Check here if address or Amount enclosed telephone number has changes. Note changes on Mail Payment to: reverse see. AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 II INN'III IIIIIhill II I III EFTA01704580 DUPLICATE COPY Account Nurrlra Page 2 of 9 XXXX- Payments: Payments received after 12:00 noon may not be credited until the next day. Payments must be sent to the payment address shown on your statement and must include the remittance cou n from your statement Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system, or through an electronic payment method payable in US dollars and clearable through the US banking system. Your Account number must be included on all payments. If To Pay By Phone payment does not conform to these requirements, crediting may be delayed and additional Charges may be imposed. If we 1-800-472-9297 accept payment made in a foreign currency, we will choose a conversion rate that is accepted() to us to convert your payment into US dollars, unless a particular rate is required by law. Pease do not send post-dated checks. They will be deposited upon receipt. Our a:ceptance of any payment marked with a restrictive legend will not operate as an accord and Customer Service and satisfaction without our express prior written approval. Authorization for Electronic Debit: We win process checks Lost or Stolen Card electrorically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, 1-800-525-3355 account number andcheck serial number to your financial institution, unless the check is not processable electronically or a 24 hours/7 days less costly process is available. By sutmitting a check for payment, you authorize us to initiate an electronic debit from your bank or asset account. When we process your check electronically, your payment may be debited to your bank or asset Car Rental Loss and account as soon as the same day we receive your check, and you will not receive that cancelled check with your bank or Damage Insurance asset account statement. If we cannot collect the funds electronically wo may issue a draft against your bank or asset 1-800-338-1670 account for the amount of the check. Authorization for Electronic Payments: By using Pay By Cemputer, Pay By Phone or any other electronic payment service of ours you will be authorizing us to initiate an electronic debit to the financial account you specify in the amount you request. Payments received after 5:00 p.m. MST may not be credited until the next Hearing Impaled day. Allocation of Payments and Credits: Subject to amolicable law, we will apply and allocate payments between your (9am-5pm EST) Card Account and your Sign & Travel and/or Extended Payment Option Account Of that account has been activat TTY: t1-800-221.9950 ('Extended Payment Account') (referred to as "Account' in the Sign & Travel and/or Extended Payment Option Agreement FAX: 1.800.695.9090 and, within each of these accounts, to Charges In any order andmanner determined by us in cur sole discretion. In mos In NY: 1.800.522.1897 cases, if you have a credit balance on your Card Account we will not apply or allocate any part of that credit balance to any Extended Payment Account unless you contact us at a time the credt balance oasis and instruct us in writing how you Large Print and Braille want us to apply that credit balance. Charge Card and Statement Information: The annual fee is 1995.00 for the tangle Statements Card, $175.00 for up to three Additional Platinum Cards enyour Account and $175.00 for each Additional Platinum Card 1.800-525.3355 poyour Account after the first three. The annual fee is $45.00 for up to five Additional Gold Cards on your Account and $45.00 for each Additional Gold Card on your Account after the first five. You may discontinue your membership by contacting Customer Service.Transactions Made in Foreign Currencies: If you incur a Charge in a foreign currency, Travel Emergency and it will be converted into US dollars on the date it is processed by us or our agents. Unless a particular rate is required by Worldwide Personal appicable law, we will cheese a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use Assistance and Fine for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government Dining agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion 1-800.345-AMEX date urine pnor business day, in each Instance Increased by 2%. This conversion rale may differ from rates in effect on the date of your charge. Chan? converted by establishments (such as aidines) win be billed at the rates such Piatinurn Card Travel estabishments use. Billing Rights Summary: In Case of Errors or Questions About Your Bill: If you think your bil is incorrect, or if you need more in ormation about a transaction on your bill, write us on a separate sheet of paper at the Seivice and Fine Hata, Customer Service address noted to the right. We must hear from you no later than 60 days after we sent you the first hill on Resorts & Spas which the erroror problem anpnared. You can telephone us at the number indicated on the front of this statement, but doing 1-800-443-7672 so will not preserve your rig its. In your letter, give us the following information: 1. Your name and account number; 2. _ The dollar amount of the suspected error; 3. Describe why you believe there is an error. If you need more information, describe By Invitation Only the tem you are unsure about. You do not have to pay any amount in question while we we investigating, but you are still 1-800-321-RSVP obligated to pay the parts of your till that are not in question. While we investigate your question , we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your chocking or savings account, you can stop the payment on any amount you Dirk is wrong. To stop the payment your letter must reach us three business days before the automate payment is scheduled to occur. Special Rule for Credit O Card Purchases: if you have a problem with the quality of goods or services that you purchased with acredit card, and • have bled in good faith to correct the problem with the merchant, yOu may not have to pay the remaining amount due on fie Customer Service goodscr services. You have this protection only when the purchase price was more than 650 and the purchase was made in P.O. Box 7825 C.S • your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed. ou the Ft: Lauderdale, FL advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) 33329-7825 Credit Balance: If a credt balance (designated CR) is shown on INs statement, it represents money owed to yOU. If you do not make sufficient charges against the credit balance or request a refund, we will, within 30 days alter expiration of the six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit Express Cash balance if the amount is 100 or more. Important Notice to North Dakota Residents: If the Account is past due ler hvo Operations or more billing periods, a late payment fee of 1.75%of all past due amounts will be added. P.O. Box 297815 Ft. Lauderdale, FL 33329-7815 Payments P.O. BOX 2855 NEW YORK NY 10116.2855 Change of Address • To change your address online, visit wvAitamericanexpress.com/updatecontactinfo ii cannot on Inn • For Name 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 Address city. stale Zip Code r Please provide your Area Code and e-mail address to Home Photo receive important Area Code and account updates and 1 1 1 1 1 1 1 j Work Phone exclusive Cardmember Email ropoonan offers andberefits. You mayvisit Me American Express Privacy Statement at www.americanexpress.com/pwacy for more details andtoset your email preferences. EFTA01704581 DUPLICATE COPY tI Far s d i Aimee Ntrnber Oteirr, Ct Page 3 of 9 )0OO(-)OOO: 11/10;03 Amount Transactions Continued 10102/06 JASMINE SOLA 1/01 JASUS MA 132.85 6174378465 Description Price GENERAL MERCHANDISE 13285 10/11/0E BANANA REPUBLIC 11811US NY 124.03 811100031 MENSANOMEN'S CLOTHNG 10/21/06 CVS STORE - 2400 NEW YORK NY 25.83 HEALTWBEAUTY-AIDS 10/2_2/06 PERFUME PALACE CAROLINA PR 59.50 Description GENERAL MDSE 10/23/06 EQUINOX MOTO 8113 212.881.0425 NY 150.00 HEALTH SPA 10/26/06 MEDITERRANEO US NY 32.50 RESTAURANT FOOD/BEVERAGE 32.50 10/28/06 GRACES MARKET NEW YORK NY 41.86 09GROCERIES 10/29/06 VILLAGE EAST K NY 10.75 00 GENERAL MERCHANDISE 10/30/06 APPLE ONUNE STORES CUPERTINO CA 85.62 CCAePUTERISOFTWARE 10/30/06 GRACE'S MARKET NEW YORK NY 54.48 09GROCERIES 11/01/06 BLUE RIBBON SUSHI NEW YORK NY 32.50 FOOD-BEV FOOD-BEV 27.50 TIP 5.00 11/01/06 PROFLOVVERS.COM 888-373-7437 CA 54.97 FLOWERS 11/02/06 MEDITERRANEO US NY 49.10 RESTAURANT FOOD/BEVERAGE 48.20 TIP 0.90 11/02/06 SEPHORA A'336-67TH STNEW YORK NY 27.09 COSMETIC STORE 11/07/06 APPLE ONUNE STORES CUPERTINO CA 85.62 COMPUTER/SOFTWARE 11/08/06 RAOULS RESTAURANT US NY 98.63 RESTAURANT FOOD/BEVERAGE 9843 11/09/06 ITUNES MUSIC STORE CUPERTINO CA 34.99 COM-PUTER/SOFTWARE Total of Card Transactions New Charges 1,100.32 Payments/Credits -1,450.68 Continued on rovereo EFTA01704582 DUPLICATE COPY AccoatNutt Page 4of 9 xxxx-ma Flexible Payment Option Statement of Account ACCOMI Mier XXXX-XXXa Ciess!no Date 11/10/06 Thank you for using Flexible Payment Option. Account Minimum Payment Summary $ Payment $ Due Date Previous Balance 570.95 20.00 12/05/06 Payments/Credits -570.95 FINANCE CHARGE 0.00 New Charges 308.64 New Balance 308.64 Finance Charge Balance(s) to Which Average Daily Annual Daily Periodic Please refer to page 4 Schedule Rate Applies Balance Percentage Rate Rate for important information ALL $0.00 18.24 % .0500% regarding your Sign & Travel andror EMended Certain of the periodic rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Amount $ aigailinfactivity for =I faW .ER PAYMENT RECEIVED - THANK YOU -570:95 . 10/25/06 WWW.POLO.COM 888-475-7674 PA 288.64 INTERNET RETAIL 11/01/06 MTA VENDING MACHINES8ROOKLYN NY 20.00 MTA MVM•SPRING ST & LAF Total of S&T and/or ExPO Activity New Charges Payments/Credlts 308.64 -570.95 Important Sign & Travel and/or Extended Payment Option Information Billing Inquiries • Finance Charge: To calculate the Finance Charge, we muttiphy the Daily Periodic Rate, by the Customer Service Average Daily Balance for the billing period. Then we multiply the product by, the number of days 1.800.525'3355 in the biting period. To get the Average Daily Balance we take the beginning balance of the (24 hours, toll free) Extended Payment Option ("Accounts) each day, add any new Account Charges and accrued and unpaid Finance Charges and subtract any payments or erect. Then we add up the daily Address balances for the billing period and divide by the number of days in the biting period. This gives us American Express the Average Daily Balance. This method of computation, of the Average Daily Balance results in customer Service interest. II in any 12 month period ending with the Closing Date of the current billingq period you were in default on your Account or any other American Express Account, the APP FPiCLandordal0, FL appiicatie to your entire Account balance will be as disclosed to you in your Cardmember Agreement and its suppiement(s). Payments: Please see the payment intonation and 33329'78W instructions on Page 2. Remember, your payment each month should be for at !east the Minimum Amount Due or the Total Amount Due, whichever appears on the Card Account Statement. Either amount includes the Account Minimum Payment shown on the Account Statement and the balance due on your Card Account. If you want to pay more than the Minimum Payment ( up to the entire Account New Balance ) , make your payment for the larger amount and the excess will be applied to your Account. How to avoid Additional Finance Charges: To avoid additional Finance Charges the Account New Balance must be paid in tut by the Closing Date of the next biting period. American Express Centurion Bank will not impose Finance Charges for Account Charges made in any billing period for which payment in full has been received on or before the Closing Date of the next -bit® period. Creditor. The Extended Payment Option and/or Sign & Travel s issued by American Express Centurion Bank. EFTA01704583 MemhePAVPifiliffiti Page 5 of 9 Monthly Statement and Program News American Express* For Questions about your Statement Period • e pe. MOICAISHli Membership Rewards account, contact October 1, 2006 - October 31, 2006 1-800-AXP-EARN (297.3276) Account activity after this period does not appear on this statement R EWR wvnv.americanexpress.com/rewards Available Points American Express 157,903 Membership Rewards P.O. Box 297813 Points are available when charges are paid in lull and al your accounts are in Ft. Lauderdale, FL 33329.9785 good standing. Account Summary Opening points balance 156,329 New points earned +1,574 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance =157,903 New Points Earned 10/01/06 - 10/31/06 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Platinum 1,574 0 1,574 )0000coca Totals 1,674 1,674 Membership Rewards points earned may be transferred or redeemed as long as all enrolled Card aoounts are in good standing. Points transferred or redeemed cannot be reversed back into the program. Forfeited points can be reinstated for a fee by calling the number provided below. Eligible Card charges are outlined in the Membership Rewards program Terms and Condtions in your Membership Rewards Guide. If you have questions, please visit vivnv.americanexpress.com/rewards or call 1-800-AXP-EARN (297.3276). From overseas, call collect 305-816-2799. Special Holiday Offer at BenusPointsMall.com' BonusPointsMall.com is a new feature of the Membership Shop now at BONUS'S Rewards® program, where you can earn double points at BonusPointshtall.com and watch the points add over 125 brand-name retailers all year round. As a special 2 gift for you during the holidays, earn 3x points from up-its that simple! November 15th to December 31st! (MR Bonus ID-2X Pb: 0807, MR Ho day Bonus ID: 0972) Oder valid 12ten EST 12,1503 b 11Sigot EST 12/31.00. Tobe erilitt yea must be • US. Catotnenlea earoladmdra Menteahis Bawd* govern ad the line d pachen SC yyoouu mint )atcaarying ouronese through BorasPantatertcorn on angst* enroTra /taw el anCal. Some re aa:dad la all qualtlang transeclians a oatrotseang merchants trough lAelea&Mdsna loran and cord'ora en* and appear et vnew.BoeustolnteMellaernarianstep. Benue Kit Val be ecer ad to ) .0%11 Pregra'n MCCUP4 weir, 10-12 weeks oiler ohne. *pees an yam Wing efalemernt. Barad :1).2% 00307.14aday Bomar 0972. Earn Double Points on Americana Manhasset GiftCard Purchases of $100 or More Earn double Membership Rewards® points on Americana To purchase an Americana Manhasset GiftCard purchases of $100 or more when you Manhasset GiftCard, visit AMERICANA www.amcricana pay with your American Express® Card. Perfect for personal manhasset.com, call MANHASSET and corporate holiday gift giving, our GiftCard is exquisitely 1.800.818.6767, or stop in wrapped and redeemable at over 60 shops: Gucci, Louis at our Concierge Store. Vuitton, Etro, Cartier, Chanel, Prada, Fendi, Burberry, Ralph (MR Bonus ID 5860) Lauren, Tiffany & Co., and more. Oka valid 11/1003. 12.'1003 on Amer care Wenhaaset Gnarl archesee d $100 or more in single renetclaan. To be &bah* been bean ports. MI mist bar nnionni intie tAtriberitiPne,satft proven a the time ot purchase ad you must crate you: caches/ on an elgrale. ennabd Arne:roan Ogres Cad. Bonus pants all be ca l S- to tar Itemberstip Rehab accami aria 0-8 weeks env charges *rev on your brig etecemea. Bonus 0: 5860. Continued on reverse Offers are made only to Cardmembers who moot certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704584 American Express m isit illikATE COPY ' 7 14ElatliSHIP Page 6 of 9 ' R.D .. A Give the Holiday Gift That Speaks Volumes Barnes & Noble Gift Cards--Good in all Barnes & Noble and To start redeeming today, B. Dalton Bookseller stores nationwide and online at log on to Barnes & Noble.com (www.bn.com). Choose nearly wvAv.amerIcanexpress. com/rewards or call anything and everything from books for every interest to CDs 1.800-AXP-EARN and DVDs and more, all from America's largest bookstore, (297-3276) Barnes & Noble. (MR Message 2197) Wines 6 Noble is Maw:mot or co-sponsor of ltns rterneCon. Please see btl, dolls:aid lot ferns and coolitcos d use. esnos & Nolie is not liable for any alleged et actualOW": Mead le Na pdrd redaweto did. Earn 2x Points This Holiday Season on Purchases of $65 or more at Clinique.com! Exclusively at Clinique.com, American Express® Visit ClInigue.com today Cardmembers can earn double Membership Rewards® to earn double points! CLINIQUE points with every Clinique.com purchase of $65 or more until (PAR Bonus ID 2638) 12/31/06. Browse Clinique's full range of holiday gifts, as well as skin care products for both men and women. Offer veld Ire purchcos male 7/11% • 12131/08 only and nal vakl co podium paths's-a. Earn ar pans on any sick Futheae of WS or mare. To be diatia to earn torus poit. you must be enrolee, :n the Mankershp Re.va:da program rPrcgraml alba tine ol purchase and you mullcharge. your purchase on an aside, arto..4d entrtan Express Card. acme po:oh will be maid to your Orogen atoond wenn weeb areas charges baser on yew bilirg &Werra Bonus ID: 2838. Redeem Membership Rewards. Points for The Cheesecake Factor, Gift Cards! Amrsitun exprtas The Cheesecake Factory is much more than just To start redeeming cheesecake! The Cheesecake Factory is a unique, upscale Membership Rewards points today, log on to casual dining restaurant offering more than 200 menu c#1111N30-1.!) selections including appetizers, specialty salads, pastas, and pizzas, as well as great steaks and burgers, sandwiches, www.americanexpre-Ss. com/rewards or call 1-800-AXP-EARN fresh fish and seafood. Be sure to save room for one of their (297-3276). 40 delicious cheesecakes and desserts with a cappuccino or (MR Message 4401) latte. At The Cheesecake Factory, there is truly "Something for Everyone!" Celebrate the Season - Earn 10x Points at FTD.COMol Celebrate the season with flowers and gifts and earn 10x Decorate the table with Membership Rewards® points when you shop at FTD° and earn 10x points when you shop at www.ttd.com/amexpromo. Decorate the table with our www.ttn.comromex exclusive line of FTD® Holiday Centerpieces. Or tempt their porno. sweet tooth with delicious gourmet gifts including cookies, chocolates, fruit baskets, and more! Same-day delivery is (MR Bonus ID 7870) available on florist-delivered products. Cdw rdros 12/31/08.Not yard in real axes or combine! other diem kw FM Benin pee& awarded baud on fetal pre* arty. To earn bonus pan', youmist be &TOW n the Marbarchp Rawasda ppro0ggrram al to fro c4 perch= and porehate lo an e5.3Mac enrolled AT•fiCallEnvoctli can. Bonne Ode wit bo cradled is you Ar .e(rho Rewards account 10.12 wools abar delvery dais and ehagee swear on blleg clan/none Banta ID: 7870. 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. EFTA01704585 DUPLICATE COPY Axton aurter Clca!rig or. Page 7 of 9 >pococooa 11/10/06 CustotnExtras- Get Even More Payment Flexibility To choose virtuey any charge to pay As a Sign & Travel® or Extended Payment Option enrollee, you may over time, go to know you can pay over time for travel or larger purchases. But did wmv.americanexpreSS. you know you also can choose just about any other purchases from com/selectandpay, soled the "Get Started" button, this statement to pay over time regardless of size or type with no log on and dick on additional enrollment required? It's easy and it takes just a moment. charges you want to take And best of all, whether you pay in full or select charges to pay over more time to pay. Or call time you still enjoy the benefits and security your Card provides. the number on the back of your 10Card and press 0. (CE 8091) Not all Cardmembers are eligible. Requests to pay over time me approved based on several factors including account history, current account status and credit record at time of request. Now Accepting American Express® Cards! If there are other daces where you would tike to Tuesday Morning - Find a treasure trove of first-quality, see the Card accepted, closeout-priced home accents, luxury linens, crystal, gifts, and more. please call the Customer www.tuesdaymorning.com or 1-888-TUE-8989. Service number that is located at the top of your statement or the number Basso 56 - Chef-owner Paolo Catini otters regional Italian cuisine in that is on the back of your the Lincoln Center/Columbus Circle/Carnegie Hall area. 234 W. 56th Card. St., NYC. 212-265-2610. (CE 108096) Turco's - Specialty supermarket and catering located at 380 Downing Drive in Yorktown Heights or 381 North Central in Hartsdale. Contact us at 914-761-4414 or www.turcos.com. Enjoy Benefits at Bergdorf Goodman and Neiman Marcus For full program Information, visit Shop Bergdorf Goodman and Neiman Marcus for perfect holiday gifts www.americanexpress. ✓far, and experience an exclusive rewards program. Earn InCircle com/platinum. points--reach membership status with 5,000 points in one calendar (CE 108157) year. Membership benefits include invitations to special events, additional points on your birthday and copies of exclusive Bergdorf Goodman and Neiman Marcus publications. Earn one InCirde point for each dollar charged at Bergdorf Goodman and Neiman Marcus with your enrolled Card--exclude sales tax, shipping, beauty salons, alterations, gift packaging and gift cards. You have unti March 1, 2007 to redeem 2006 program points. Book an Exclusive Vacation with Orient-Express caa the Platinum Travel Service at Interested in a trip of a lifetime that you can only get as a Platinum 1.800.443.7672 and Card® member? Orient-Express Hotels, Trains & Cruises has created mention promotion code three exceptional trips exclusively for Platinum Card members. Visit 07850040. Peru, France, or Asia and experience insider access beyond what is (CE 108158) available to others. Trips are limited to 24 passengers and fill up fast so call Platinum Travel Service today at 1-800443-7672 and be sure to mention promotion code C7850040. Program terms and condtions apply. For full program information, visit vivnv.amerIcanexpress.com/platInum. Cardmembers Save with Ameriprise Auto & Home Insurance Cal 1.800.842-3344 today and be sure to mention American Express Cardmembers could save hundreds on auto reference code 1N9 to insurance with Ameriprise Auto & Home Insurance. Cardmembers receive your quick, who switched to our auto insurance saved an average of $456 per no-obligation quote. Or, if you prefer, visit year.* Our competitive pricing, quality service and financial stability www.ameriprise.com/ INSUliANCL have satisfied more than half-a-million drivers. Join one of the autohome to get your fastest-growing insurance companies in the country today. quote. Auto & Home Insurance is underwritten by Ameriprise Insurance Company, AMEX Assurance Company or IDS Property Casualty Insurance Company, De Pere, WI. (CE 108136) 'Savings is a 12-month average reported by new policyholders between 5/1/05 - 2/28/06. Individual savings and experience may vary based upon a variety of factors includng, but not limited to, dnving experience and type of automobile insured. 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. EFTA01704586 DUPLICATE COPY Amocr.1Nuntec Page 8 of 9 C pl XXXX-XXiCC Pay Your Quarterly Taxes with the Card • Earn Rewards www.amerIcanexpress. com/taxes Earn rewards while paying your taxes. You can pay your Quarterly Estimated (1040ES) federal, state, and local property taxes as well as (CE 108181) Quarterly Employee Withholdings (Form 941) business taxes with the American Expresso Card. For additional information, visit www.americanexpress.com/taxes. All federal, state, local and business tax payments made with the Card are subject to a convenience fee charged by either of the two IRS-approved payment processors, Official Payments Corp. and PAY1040.com. All Card terms and condibcas apply. Travel Medical Protection • Travel with Peace of Mind There are some things you can't pack in a Travel Medical Protection, offered exclusively to American Expresso suitcase, like adequate Cardmembers, provides insurance coverage for up to $100,000 for insurance. So travel with eligible expenses related to evacuations and medical and dental peace of mind! To learn emergencies, while on a Covered Trip traveling anywhere in the more about the coverage or how you can enroll iNSURANdE world, when more than 150 mile radius from Your Permanent yourself and your loved Residence for up to 45* days whether driving, on a cruise ship, flying ones, call 1.800.618-8302 on a Scheduled Airline or taking the Amtrak. and mention RSVP code wxz. Travel Medical Protection is underwritten by AMEX Assurance Company, Administrative (CE 108161) Office, De Pore, Wisconsin. Coverage is subject to the terms, conditions, and exclusions of Master Policies: (varies per state) AX0950, AX0916, AX0124 or Poicy Form Number TMP-IND aid is subject to change with notice. in most states. The Gift Cards that Give More Purchase yours online today. Especially during the holidays, our next generation Gift Cards are a thoughtful way to show you care. Just like the classic American Visit www.amerlean Expresso Gift Card, they can also be used at millions of different express.com/gitt. places for all kinds of things.* And now, you can give more because (CE 108183) each Gift Card has special offers torn retailers, restaurants and merchants nationwide. in the U.S. where American Express is accepted. Terms, conditions and restrictions apply to Oft Card use. Special offers are subject to change. Visit vnwe.americanexpress.com/ specialoffers for more details. Help Us Support BGCA's Centennial Celebration Visit www.mylifemycaid. cornrbgca to learn more Boys & Girls Clubs of America gives young people the skills they about BGCA and how you need to succeed. The Club is a place that offers programs and can help create 100 more activities every day--after school and on weekends--when kids are in years of hope and need of positive, productive outlets. BGCA is dedicated to inspiring opportunity for kids. and enabling all young people to realize their full potential. (CE 108154) Protect Your Identity - Protect Your Credit To learn more, or to take advantage of our 30-day With CreditSecuree from American Express, you'll get the tools you review period, visit us at need to help protect one of your most valuable assets--your credit. wwwamericanexpress. You'll receive unlimited access to your credit reports and scores from com/creditprotectIon all three national credit bureaus, along with 24/7 credit monitoring, (CE 108207) and much more. 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. EFTA01704587 DUPLICATE COPY Account 1.‘rnber Cairg Dace Page 9 of 9 11/10/06 Notice of Changes to Your Agreement We are making Important Changes :o the Membership Rewards° program associated with your American Express° Card Account identified on this Notice. These changes become effective on the dates indicated below, whether or not you receive a statement This Notice formally amends your Agreement, and any contrary or conflicting language in that Agreement is replaced fully and completely. This is an important Notice of changes. We recommend that you carefully review these changes. share them with any Additional Cardmembers on your Account, and then keep this Notice for future reference. If you have any questions, please call the telephone number listed on the back of your American Express Card. Membership Rewards Effective April 15, 2007, your Membership Rewards° program account will be upgraded to a Membership Rewards FIrstsM program account. Accordingly, your Card(s) will be enrolled in the Membership Rewards First program and will no longer be eligible for enrollment in the Membership Rewards program. Enrottment in the Membership Rewards First program is a complimentary benefit of the Platinum Card°, Ameriprise Platinum Card, Amoripriso Platinum Financial Services Card, Fidelity American Express Platinum Card, Centurion Card, Business Platinum Card, Business Centurion Card or Corporate Platinum Card account. The number of points you have accrued In your program account will be unaffected by this change. M02M6 BP/MU/MR02/1106 EFTA01704588 DUPLICATE COPY 159,315 Membership Rewards® Platinum Card' Points Available Statement of Account at 11/30/06, when charges due are paid in hill and an accounts are in good standing. Seetunt NUTtlIP. fl oso'nee 12/11/06 Page 1 of 13 New George* S PrveNRINOINCOS PeemseeseCeedesS ore F mare* Chwge env) New Biwa S lanimsm AnnmniDesS Please Pay By 01/05/07 Due in Full 608.11 -693.11 +761.03 676.03 +676.03 Please refer to page 5 Flexible +308.64 -3,963.16 +7,264.86 +3,610.34 +73.00 on Hcw to Avoid Additional Finance Total 916.75 -4,656.27 +8,025.89 =4.286.37 749.03 Charges. Please refer to page 2 for important information regarding your acccont See Page 11 For A Notice Of Changes To Your Agreement In Connection With Change Of Issuer Terms - Payable in full upon receipt of statement. Pay your bill online anytime, anywhere at www.amedcanexpress.com/paybill. Your Platinum Card account renews next month. For additional information, please refer to the Charge Card and Statement Information section which can be found on page 2. Thank you br your continued Platinum Card membership. For automatic replacement of a lost, stolen, non-received or damaged card. call 1-800-992-3404. For automatic balance information, please call 1-800.525-3355 and press option 1.1. For assistance or questions about your account, contact us at vninv.amerIcanexpress.com or call Customer Service at 1-800-525-3355. Pay now or pay later. Select which charges on this statement you want to pay later. Visit americanexpress.com/selectandpav or see CustomExtras pages at MG erd of your Statement for details. 3 =awe nod on he precxxon ,001Vdean an0 kir err )ov Darr! Continued on Page 3 Please Pay By: Please enter account Payment Coupon number cn al checks and 01/05/07 correspondence Payable in US tfs lars upon receipt with a bank in the US o' Total New Balance money $ 4,286.37 throughorder, processed° the US banking Minimum Amount Due system To Pay by Phone, 1-800- l-PAY-AXP or $749.03 call 1-800.472.9297. Please refer to Page 5 0021.6217 on How to Avoc Additional Finance Chaves. le II I I WI I lllll I I II I I II I I II I I II I I III I I $ . Check here if address or Amount enclosed telephone number has changes. Note changes on Mail Payment to. reverse side. AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 I I II III I II I II I II I I III I'll,' ,II I III I I IIIIIIII EFTA01704589 DUPLICATE COPY rootreco Page 2 of 13 Payments: Payments received alter 12:00 noon may not be credited until the next day Payments must be sent to the payment address shown on your statement and must include the remttance couoon from your statement. Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiable instrument in and or through bad' adbolgai gruiaalii etfling hil l system. b in sAsur n number a) erie nc utstron b ai rrnt orPiegila':,,ayeaAt It To Pay By Phone included payment does not conform to these requrerrients, wedding may be delayed and addtional Charges may be imposed If we 1-600472-9297 accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US collars, _knits& a particular rate is required by law. Please do nod send post-dated checks, They will be Customer Service and deposited upon receipt. Our acceptance 01 any payment marked with a restrictive legend will net operate as an accord and satisf=ion without our express prior written approval. AtithOdiation for Electronic Debit: We will process checks Lost or Stolen Card eloctroncaly, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, 1-800-525-3355 account number and clack serial number to your financial institution, unless the check is not prccessable OLOCIrOniCally or a 24 hours/7 days less costly process is available. By submitting a check for payment, you authorize us to initiate an electronic data from your bans or asset account. When we process your check electronically, you• payment may be debited to your bank or asset Ca' Rental Loss and account as soon as the same day we receive your check, and you wil not receive that cancelled Check with your bank or Damage Insurance asset account statement. If we cannot collect the funds electronically we may issue a draft against your bank or asset 1-600-338-1670 account fortheamoury of the check. Authorization for Electronic Payments: By using Pay %r Computer, Pay By Phone or wry other electronic payment service of ours, you will be authorizing us to initiate an eleroric oetit to the financial Bearing Impared account you specify in the amount you requeSt Payrnents received &ter 5.00 p.m. MST may not be credited ;gib the next day Allocation of Payments and Credits: Surfed to applicable law, we will apply and allocate payments between your (9am•5pm EST) Card Account and your Sign 8. Travel and/or Extended Payment Option Account (if that account has been activat TTY: 1.800-221.9950 (•Extended Payment Account') (referred to as 'Account* in the Sign & Travel ander Extended Payment Option Ageenteilt FAX: 1-800-595-9090 and, within each of these accounts, to Charges in any order andmanner determined by us in our sole discretion In mos In NY. 1-800-522-1897 cases. if you have a cmdt balance on your Card Account we will not apply or allocate any part cf that credt balance to any Extended Payment Amount unless you contact us at a time the credo baance exists and instruct us in wrong how you Large Print and Braille wart us to apply that credit balance. Charge Card and Statement Information: The annual tees $39500 for the Base Statements Card, $175.00 for up to three Additional Platinum Cards onycur Account and $175.00 for each Additional Platinum Card enyour Aocount after the first thoe. The annual fee is $45.00 fa up to five Additional Gold Cams on your Account and 1-800-525-3355 S4500 for each Additonal Gold Card on your Account after the first five. You may discontinue your membership by Travel Emergency and contacting Customer Service Transactions Made in Forel n Currencies: If you incur a Charge in a foreign currency. wil be converted into US dollars on the date 4 is processed by us or cur agents Unless a particular rate is required by Worldwide Personal applicable law, we will choose a comerson rate that is acceptable to us for that date Currently, the conversion rate we use Assistance and Fine 'or a Charge in a foreign currency is no greater than (a) the highest officia conversion rate putished by a government Dining agency. Or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion 1-800-345-AMEX date or the oricr business day, In each Instance Increased by 2%. This conversion rate may differ from rates in effect on the date c your charge. Charges converted by estabishments :suth as airlines) will be baled at the rates such Platinum Card Travel establishments use. Billing Rights Summary: In Case of Errors or Questions About Your Bill: I' you th:nk your tall is Service and Fine Hotels. noorrect, ce ll you need more information about a transaction on your bill, write us on a separate sheet of paper at the Resorts & Spas Customer Service address noted to the right. We must hear from you no later than 60 days after we sent you the frst oil on 1-800-443-7672 which the error or problem appeared You can telephone us at the number incicated on the front of this statement, but doing so will not preserve your rights. In your letter, give us the following information' 1 Your name and account number 2 The dollar amount of the suspected error. 3. Describe why you beleve there is an error. if you need more information, describe By Invitation Only the item you are unsure about You do not have to pay any amount in question while we are inveshgaing, but you are still 1-800-321-RSVP obligated to pay the parts of your till that are net in question. While we investigate your question , we cannot report delinquent or take any act on to collect the amount you question. It you have aBonzed us to pay your toll automaticallyjou yois ON:Kiang a savings account, you can stop the payment on any amount you think is wrong. To stop the payment your etter must reach us three business days before the automate payment is scheduled to occur. Special Rule for Credit Card Purchases; If sou have a problem with the quality of goods or services that you purchased wth a credit card, and you • from have tried in good faith to mined the problem wth the merchant, you may not have to pay the remelting amount due on the Customer Service goods or services. You have his protection only when the purchase pace was mere than S5C and the purchase was made in P.O. Box 7825 C S your home state or wthin 100 mires of your mailing address. (II we own or operate the merchant, or if we mailed you the Ft Lauderdale, FL advertisement for the property or services, all purchases are covered regardless of amount or location cf the purchase.) 33329-7825 Credit Balance; II a credit balance (designated CR) s shown on the statement, it represents money owed to you. If you do not make sufficient charges against the credit balance or request a refunc, we wil, within 3C days after expiration of the six-month cenod lollo.vina the date of the first statement ncloating tie credit balance, issue a check to you for :he credit Express Cash balance it he amount is $1 00 or more Important Notice to North Dakota Residents: If the Account is past due for two Operations or more billing periods, a late payment fee of 1.75% of al past due amounts wrl be added P.O. Box 297815 Ft. Lauderdale, FL 33329-7815 Payments P.O. BOX 2855 NEW YORK NY 10116-2855 Change of Address • To change your address online. sistt vninv.amencanexpress.com opdatecontactinto • For Name or Company Name changes, ploaso call the Customer Service rso mama 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 Beady in blue or black Ink only In the boxes provided. Snot Macon Li CR). Sete L rip Co:i• Please provide your Am COW and e-mail address to Hone Prone receive important Mee Con one amount uoderes and Wok Prone Email laphoruu) You may visit the American Express Privacy Statement at www.arnericanexpress.com/pnvacy for more detals and to set your &nal preferences. j exclusive Cardmember offers anc benefits EFTA01704590 DUPLICATE COPY Prac•mtd Fc: ':LrroOr Close° Date Page 3 of 13 X XXX-XXXXS 12/11/06 A11101.11 Transactions Continued Activity htlesP°"`"dge f /12/C6' 868 75 CHKLESA: 693 17564~A'UED 11/10/36 TOWER CHEMIST PHARMANEW YORK NY 85.00 PRESCRIPTIONS/SUNDRIES 11/14/06 ITUNES MUSIC STORE CUPERTINO CA 0.99 COMPUTER/SOFTWARE 11/17/06 I43 120000054587001 NEW YORK NY 51.35 2123259036 FOOD/BEVERAGE 43.35 TIP 8.00 11/20/W CLAYTON & EDWARDS CHNEW YORK NY 43.31 DRUG STORE/PHARMACY 11/23/06 EQUINOX MOTO 2113 212-881-0425 NY 150.00 HEALTH SPA 11/24/06 OVERLAND SANTA FE 30SANTA FE NM 6aso 5059860757 Description Price WOMEN'S ACCESSORY 63.50 11/25/06 OVERLAND SANTA FE 30SANTA FE NM 168.97 5059860757 Description Price WOMEN'S ACCESSORY 168.97 11/25/06 J.CREW - SANTA FE SANTE FE NM 36.49 APPAREUACCESSORIES 11/30/06 HALLAK AND SONS CLF_AHACKENSACK W 100.00 2013437333 Desaiption Price DRY CLEANERS 100.00 11/30/06' BANANA REPUBLIC e811NEW YORK NY 28.00 811100024 MEN'S/WOMEN'S CLOTHNG 12/10/06 CONTAINERSTORELXNGTNNEW YORK NY 33.42 STORAGE&ORG Total of Card Transactions New Genes 761.03 Payments/C its -693.11 Continued on reverse EFTA01704591 DUPLICATE COPY 011 Nuthet Pape 4 of 13 1.1 moms era Flexible Payment Option Statement of Account )000c CbOXIDde 12/11/06 Thank you for using Flexible Payment Option. Account Minimum Payment Summary $ Payment $ Due Date Previous Balance 308.64 73.00 01/05/07 Payments/Credits -3,963.16 FINANCE CHARGE 0.00 New Charges 7,264.86 New Balance 3,610.34 Finance Charge Balance(s) to Which Average Daily Annual Daily Periogic Please refer to page 5 Schedule Rate Applies Balance Percentage Rate Rate for important intormation ALL 80.00 18.24 Y. .05C0% regarging your Sign & Travel and/or Extended Certain of the periodic rates and APRs above may be vedette. Those rates may vary Payment Option. based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Amount 5 m aliiiiiii6Oativity for •11/12IC6 COMPUTER PAYMENT RECEIVED -THANK YOU -175.54 11/1S/C6 COMPUTER PAYMENT RECEIVED -- THANK YOJ -1,sc)30 11/28/C6 cOMPt11ER PAYMENT RECEIVED THANK YOU -1,CC) CO .,..12/M.kpOMOkcER PAYMENT RECEIVED - THANK YOU -78) 00 11 1,411V4r01.0.20M REF #99376136192049 133.00 EF „ (p.tit?5222550040:45 .(S133 00) i gbiziP tit.999321110189/09 Re 14r aSEo AD:27793s (5 454 52) 11/15/06 HANA BRYAN LEE SAN FRANCISCO CA 273.42 GOODS AND SERVICES 11/15/06 TWO SKIRTS SAN FRANCISCO CA 244.13. GENERAL MERCHANDISE 11/15/06 JEST JEWELS. SAN FRANCISCO QA 225.68 JEWELRY/REPAIFI/SALES 11/16)06 POLO RETAIL CORPORATSAN FRANCISCO CA 1,299.05 GENERAL MERCHANDISE 11/16/06 GOYARD SAN FRANCISCOSAN FRANCISCO CA 1,090.00 LEATHER GOODS/ACC 11/19/06 POLO RETAIL CORP NEW YORK NY 1,560.60 GENERAL MERCHANDISE 11/24/06 ORTEGA'S ON THE PLAZSANTA FE NIA 217.94 GOODS AND SERVICES 11/30/06 FREEGEM 0330 NEW YORK NY 324.00 DURABLE GOODS Description JEWELRY SLS/SV 12/08/06 POLO RETAIL CORP NEW YORK NY 1,434 33 GENERAL MERCHANDISE 12/09/06 JACQUES DOWNTOWN NEW YORK NY 221.82 FOOD AND BEVERAGE 12/09/06 HERMES 45 5 NEW YORK NY 373 89 2127513181 Description MSC GENERAL M Total of S&T and/or ExPO Activity New Charges 7,264.86 Payments/Credlts -3,96316 Continued on next page EFTA01704592