EFTA01726703

DUPLICATE COPY Optima® Points Available 1 from American Express ai.ov15mttmop64Ois!foNigtOIN :and all your,accounte"eirtglebstStrindetg.i Premed Fos Acocr.ct Ntsrittet CA-ton9Dsc JANUSZ BANASIAK 01/15/04 Page 1 of 8 AeNly $ Inc. 1.44tt-ncrta Minimum Payment Due Date Precious Skew $ finance Chatr.t. New Beams Amount Due 02/09/04 6,989.53 +137.27- a6,876.80 138-00 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 01/15/04 9,800.00 2,923.00 8,100.00 2,923.00 Minimum Payment due by Payment Due Date. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $2,923.00. Contact us at www.americanexpress.com or call Customer Service at 1.800.635-5955. One Less Thing to Worry About this New Year Sign up to view your Account online to make sure that all your presents, gift certificates, and plane tickets are recorded and accurate. It only takes a few seconds for you to check your statement and view your most recent Account activity--you can even pay your bill online. It's a great way to help you keep track of all your spending. Sign up today at: www.amerioanexpress.com/mycardaccount Activity Infuses patio, eel Amount c U.9gtvCPKrHAIsslq9P12141 ameunt* New AcvteicvelifahJANUSZ BANASIAK Cud =Mc 12/29/03 LONGHORN 167 GERMANTOWN MD 77.12 000306067 FOOD-BEV 12/28/03 12/3603 HP PARTS/SUPPORT — GA 25.00 4395212 2087610/20/03 01/15/04 Periodic FINANCE CHARGE 35.15 Total of New Activity 137.27 Peon foe on the porforeitoteow. death ard :event, You pemel Continued on Page 3 Payment Coupon Payment Due Date: Please enter account 02/09/04 number on all checks and correspondence. Total New Balance To avoid additional $ 6,876.80 Finance Charges on Purchases, pay New Pa Ink IIluiluldml.lim I.I II. IAD 20876-5960 I had II Minimum Amount Due Balance before Payment 2138.00 Due Date. Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to all of Amount enclosed your Card Accounts except any Corporate Card Mail Payment to: AMERICAN EXPRESS Accounts you have. PO BOX 360002 FT LAUDERDALE FL 33336-0002 O I I 000687680000013800 16r1r1 EFTA01726703 DUPLICATE COPY Petoarod For Accountli Page 2 of 8 JANUSZ BANASIAK )000cMomm Payments: Payments received after 12:00 noon or on weekends or hokdays may not be credited until the next business day. Payments must be in US DdlarS and drawn on a bank located in the US (other than American Express Centurion Bank), in the enclosed envelo . with the remittance stub attached and account number listed on the check. Please do not send postdated checks. They will be deposited upon receipt If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to procoss checks otedrcnicaly, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number To Pay By Phone and check serial number to your financial institution. Your checking account may be debited as soon as the same 1.800.472.9297 day we receive your payment. If we can not collect the funds electronically at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments:By using the American Customer Service Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you will be 1.800.635.5955 authorizing American Express to initiate an electronic debit to the financial account you specify in the amount 24 hours/7 days you request. Touse Pay By Computer, pleasevisit us at vivnitamericanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. International Collect Outside the U.S. contact the nearest American Express Travel Service Officeor call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average 1.336.393.1111 Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash Hearing impaired Advance and Balance Transfer features) of your Account Orcluding current transactions). To get the Average Daily (9am-5pm, EST) Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous TTY: 1-800-221.9950 bitting periods), (2) add any new transactions, decits, or fees, (3) subtract any payments or credits, and (4) make any FAX: 1-800.695.9090 appropriate a ustments. For each day after the first day of the billing period, we also add an amount of In NY: 1-800-552-1897 Interest equ to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily baknce for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the tilling period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that Correspondence statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by Customer Service rounding. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. This 777 American method of calculating. the Average Daily Balance and FC results in daily compounding of FC. The minimum FC for any bang period in which FC are imposed is $0.50. Expressway Bfilling_Rtghts Summa In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if Ft. Lauderdale, FL you needmore orm ion about a transaction on your bill, write us on a separate sheet of paper at the address noted to the 33337-0001 right. We must hear from you no laterthan 60 days after we sent you the FIRST baton which the offeror problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so will not (reserve your rights. Funds Access Services In your letter, give us the following Information: 1. Your name and account number; 2. The dollar amount of the P.O. Box 53809 suspected error,-3. Describe why you believe there is an error. It you need more information, describe the item you are Phoenix, AZ unsure about. You do not have to pay any amount in question while we are investigating, but you are still °Negated to pay 85072-3809 the parts of your bill that we 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 Payments savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter PO BOX 360002 must reach us three business days before the automatb payment is scheduled to occur. Special Rule For Credit FT LAUDERDALE Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, arid FL 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 than $50 and the 33336-0002 purchase was made in your home state or within 100 mites of your main; addross. (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.) in Case of Errors or Questions About Your Electronic Transfers: Please contact us by nicking on the Customer Service Unk online at kwnitamericanexpess.com, or you can call us at 1-800-IPAY-AXP for Pay.By Phone & Pay By Computer issues, or 1-803-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indcated on your statement. If you think your statement, receipt or transaction is wrong, please contact us as soon as possible. We must hear from you ro later than 60days after we sent you the FIRST statement on which the Nrob'em or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as Beady as you can why you believe there is an error or why you need more information. We will investigate your complaint & correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you wit have use of the money during the time 'Hakes us to comptete our investigation. Credit Balance: If a credit balance(designatedle'W) is shown on ttrs statement it represents money owed to you. You may make charges against the credt balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, wo will, within 30 days after expiration of the six-month period following the date of the first statement indicating the deaf balance, issue a check to you for the credit balance in your account if the amount is $1.00 or more. Creditor. American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1.800-518.8866. Change of Ackkosa COICCIOP icor* do not use Nacre Company Nwria Steel Add,es@ chg. Sale r Li arl I I_i_ I _t____1 1 _I 1 I -1-1- 1 1 tp Co:10 Providing your emal Area Code end address to American Horne Phone Express will enable you Area Code and to receive special offers, Wok PhOne Email j suited to your needs. EFTA01726704 DUPLICATE COPY Pup:rod FO! Acco.n: hurrIxr Closig Dab • Page 3 of 8 JANUSZ BANASIAK XXXX-XXXX> 01/15/04 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL P.iodic Billing days this period: 31 Balm= $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 212.12 0.0246% 8.99% 8.99% 1.62 Cash Advances 0.00 0.0520% 0.00% 18.99% 0.00 Check/Balance Transfer 6,676.40 0.0162% 5.90% 5.90% 33.53 35.15 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wan Street Journal, as described In your Cardmember Agreement as currently in effect. EFTA01726705 DUPLICATE COPY Account Nurra Page 4 of 8 Kea-X)O0C< EFTA01726706 MembeNtlifilleinWils Options" Monthly Statement and Page 5 of 8 Program News American Expresso For questions about your Statement Period snip Membership Rewards account, contact 1-800-AXP-EARN (297-3276) November 1, 2003 Account activity attar this period does - November 30, 2003 not appear on the statement tral l }WI Available Points www.arnericanexpress con'/rewards 1,323 American Express Membership Rewards PO Box 297813 Points are available when charges are paid in full and all your accounts are in Ft. Lauderdale, FL 33329.9785 good standing. Account Summary Opening points balance 478 New points earned +847 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 1,323 New Points Earned 11/01/03 - 11/30/03 Points Activity On Bonus Points Total Posts ACtivitY Eligible Charges Awarded Per Card 847 0 847 Totals 847 0 847 Merbersilp Rev.'s's% Como pane caned rnor be inntieued a redeemed as Imp mall emceed Cad amounts are Inwood starch% Pride ramittsed a mderfrod wool be revers:0 bsk into de pros:ern. Forklift' points cast be reinstated amain by calling the number provided below. Elgbe Gudchaiists ale wirml el the Meiltershp Ravages CM= proven Terms erclCredSeas In your Mombasa° Reeved. Omsoos Gado. IS yes' Mro mesbons. pleme visit www.aimilcanexpme.conVinembershIpaavardsep0orss or call 1-800.AXP-EMS1faM3276). From merseas, car Wiest 305-616-2199. Earn More! New ways to earn points. IMPORTANT NOTICE OF MEMBERSHIP REWARDS OPTIONS® PROGRAM CHANGES its For each transfer of points into the Frequent Flyer program of Please note important .1",;?e>; ME •iftEliSHIP a US airline, a fee of $0.0004 per two points, with a maximum program changes. fee of $50, will be charged to your Card account. We charge ' Ifrg.:11P . .. -. !.. this fee to offset the federal excise tax we must pay on such (MR Message 1290) transfers. The fee may be more or less than the actual amount of the excise tax we pay on any individual transfer. IMPORTANT NOTICE OF MEMBERSHIP REWARDS® PROGRAM CHANGES Aw r Effective March 15, 2004, 1) the fee to reinstate points Please note important stE E &SM.)! forfeited for late payment will increase to $29 for each month program changes. of points reinstated, 2) for Cardmembers who cancel their qt R ' ' 8 1. 1 Membership Rewards enrollment (or all Card Accounts (MR Message 6288) ',7-f/4ti enrolled in the program), but still have one Card account open, the time period to redeem accrued points will change from 6 months to 30 days, 3) for each Corporate Card linked to a Membership Rewards account with another enrolled charge Card, the additional annual fee will increase to $35. Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726707 AllIellcan Express• iiimiliOCATE COPY rr ...;-- 11011CMOCR" 11 lavnl Nutter Page 6 of 8 -. E INAR 0 Redeem Points for Pottery Barn Gift Certificates Pottery Barn, Pottery Barn Kids and PBteen are the newest For more information, visit Membership Rewardse partners. For sophisticated www.americanexpress. com/rewards or call P0TTEHVBAlt N furnishings and accessories for your entire home, from your 1.800-AXP-EARN living room to your child's playroom, Pottery Bam, Pottery (297-3276). Barn Kids and PBteen's products are designed for style, comfort and value. (MR Message 2020) Australia- 8-Night Vacations from $1,299 If you dream of an exciting vacation, redeem Membership Visa americanexpress. com/rewards or call LQANTAS Spirit of Australia Rewardse points for flights to Australia or take advantage of 1.800-AXP-EARN some fabulous 8-night vacation starting from $1,299. You (2974276) to redeem can choose from packages including Sydney and either the Membership Rewards Great Barrier Reef, Melbourne, Adelaide/Kangaroo Island, points. the Outback or Brisbane. All packages include roundtrip air (MR Message 9006) from Los Angeles, air within Australia and 8 nights of accommodations. For package information, call an Australian Travel Expert at 1-877-346-5225 or visit Australia.com. 10x Points at FTD.COM® This Valentine's Day! Find the perfect way to show how much you care this Shop at Valentine's Day with specially designed FTDe bouquets ftd.corniamexpromo and earn 10x Points. rze FTD.CONI including roses starting at just $39.99, gift baskets, teddy bears and other fine gifts. Pius, earn 10x Membership (Bonus ID 1675) Rewards& points when you shop at www.ftd.com/amexpromo. Oiler ertle 133I/C4.Cannotbecorriained °Bet odors or special granorkne. Hotwid co May" , watts. Tot* WA* tO•ant RCN.. Oita you must be emoted In the Metors* Rewards pogrom Grne cd purchase ard chaise Yag IRDRIDDR•SR ta erwolled Anterban Eason. Card. Bong points MIbecxened to your axountratin 1042 weeks. Bonus ID: 167S. Virus Protection and 5x Pts from Computer Associates Help protect your computer from those nasty viruses and Get virus protection plus hackers with eTrust" EZ Armor" Security Suite from earn 5x points from Computer Associates at Computer Associates, PLUS earn 5x Membership Rewardse wimv.my-etrust.comf points when you use your Card and order from amerIcanexpressrewards ComputerAssociatess www.my-etrust.com/americanexpressrewards. Includes a full range of antivirus,firewall and privacy features with (Bonus ID 3591) automatic updates and adjustable protection. Otter vale] lot purcimaes trail wvivi.my-etrustcom kcal 12/LOSRSD VO4. To be close to earn bonus past sou must be enrcdcd in the hiaorreFip Reward: pagran el the tine el Rochese ad charge yaw purehato b an elgIde. ovelkd Anceioan Exxon:AD Card. Bone parts wil be cradled to you/ asounl Wallin 64 weeks Cr charges nom on your btag sEMernent Bonn ID: 3591. A Gift Certificate Lets You Choose Lands' End® is a global direct merchant of classically styled Redeem Membership apparel for men or women for work or weekend, apparel and Rewards° points today for a Lands' End gift EiNDS'END DIRECT MERCHANTS other products for children, plus soft luggage and products for the home. To request a Lands' End catalog, call 1-800- certificate. Visit www.emerIcanexpreas. 356.4444 or visit our Web site at www.landsend.com. com/rewards or call 1.600-AXP-EARN (297-3276) (MR Message 6069) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726708 DUPLICATE COPY Acomi Nurtka Cfcairg Otte Page 7 of 8 )000(-)0000 01/15/04 CustomExtrar Mortgage Rates are Still Low! Contact us today! Call 1.800-A2P-1008 or go to If you're looleng to buy a home or to refinance your current mortgage, Mortgages wave.americanexpress. from American Express' can save you hundreds of dollars a month in mortgage corn/mortgages. Use offer code C62. payments. Plus, its fast and easy to get a same-day loan decision. (CE 104138) 'All residential mortgage loans and related services are offered and provided by and through PHH Mortgage Services. American Express does not solicit, offer, endorse, negotiate, or originate any mortgage loan products, and is neither a licensed mortgage broker nor a licensed mortgage tender. Financing provided by PHH Mortgage Services, 3000 Leadenhall Road, Mt. Laurel, NJ 08054. Arizona Residential Mortgage Licensee #BK 00010039, Licensed by the Department of Corporations under the California Residential Mortgage Lending Act, Georgia Residential Mortgage Licensee, Illinois Residential Mortgage Licensee, Massachusetts Licensed Lender #ML1653, New Hampshire First Mortgage Banker #5625-MB and Second Mortgage Home Lender #5626-MHL. Licensed by the N.J. Department of Banking and Insurance, Licensed Mortgage Banker-- NYS Banking Department, Rhode Island Licensed Lender, Minnesota. This is not an ofler to enter an interest rate lock-in agreement. Licensed First Mortgage Banker and Secondary Mortgage Lender by Pennsylvania Department of Bankng. PHH Mortgage Services is an Equal Housing Lender. Sign Up for American Express® Alerts To sign up for Alerts, visit www.americanexpress. Get important information pertaining to your Account delivered to you comfalerts. --whenever and wherever you want. With American Express Alerts, you can choose to be notified when your payment is due, irregular (CE 104153) account activity is detected, your payment is received and when you are approaching your line of credit/spending limit. Alerts can be sent to your e-mall address, mobile phone, pager or PDA. Save 15% with 1-8OO•FLOWERS.COM® Visit wmtamerIcanexpress. At 1-800-FLOWERS.COM, we've gathered together a sensational com/offerzone to redeem selection of thoughtful gifts to make every day a celebration! And this offer or call because we love giving gifts, we offer a 15% savings to American 1.800-FLOWERS. Expresso Cardmembers on their purchases of $29.99* or more! (CE 104154) 1-800-flowers tom_ Plain al sal IMO amino 'Terms and Conditions may apply. Now Accepting the American Express® Card! If there are other places where you would like to Avdeals.com/Plasma.com - Your online source for home theater see the Card accepted, equipment For more information on plasma screens, LCD TVs and please call the Customer video projectors, call 1.877-722-8948 or visit www.avdeals.com. Service number that is located at the top of your statement or the number EPIC Pharmacies, Inc. - A network of independently owned that is on the back of your pharmacies in the Mid-Atlantic region. For more information, call Card. 1-800-965.3742 or visit our Web site at www.epicrx.com. (CE 104086) Cartoon Cuts - An innovative children's hair salon featuring colorful decor, elephant shampoo station, games, movies, cartoons and toys. Visit us at www.cartoonouts.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. EFTA01726709 DUPLICATE COPY P( tF Page 8 c4 8 roextiorlikx FEE-FREE American Express® Travelers Cheques! Buy your Fee-Free American Express As an American Express® Cardmember, you can purchase Travelers Cheques before FEE-FREE* American Express Travelers Cheques and Cheques for ym leave! Twos at participating American Express Travel Services locations. To locate your nearest Behind every Travelers Cheques is someone who can help in a travel American Express Travel Services location, call emergency 24/7--from placing lost or stolen Cheques, to assistance 1-888-AXP-0056. Travelers with replacing lost credit cards and passports." Cheques (CE 104130) -Not all services available at all locations. Subject to all local laws and cash availability. "Proof of Travelers Cheques purchase may be required. Credit Card Replacement Assistance is for major bank-issued credit cards only. Fees for passporVcredit card replacement are the sole responsibility of the customer. For complete Terms, call 1.800.221.7282. Get Your Tax Refund Fast With OnlineTax! Try American Express OnlineTax at This tax season, use American Express OnlineTax to file your tax www.americanexpress. return and get your refund fast! American Express OnlineTax is an corn/Mlle. Online Ming is easy-to-use online tax preparation program that handles federal and quick and easy, and state income tax returns—all for 834.95 through 3/31/041 speeds up your refund. Just answer the questions and let the OnlineTax Visit www.americanexpress.com/eflle, and let OnlineTax program prepare your automatically select and complete the appropriate forms, and even return. Only $34.96 check for errors and omissions. By e-filing, you can take advantage of including e-filing! (CE 104129) a full range of refund and payment options, including direct deposit of refund amounts. File your taxes with a name you trust with American Express OnlineTax! Pay your Bills Automatically with the Card Call your service providers today and tell them you Enjoy the time-saving convenience and added financial control of want your bills to be paid AUTOMATIC paying virtually everything from your cable and telephone bills to your automatically with the BILL newspaper subscription with the Card. Automatic Bill Payment is the simple way to consolidate your payments and make sure that your bills are paid on time, so you can avoid paying unnecessary late fees. Card. For a complete list of participating providers, or to learti more, visit vemarnerIcanexpress. PAYMENT with Americ n Express Plus, you'll have fewer checks to write and you can stilt continue to receive a paper statement of your bill from your service provider to keep for your records. Start benefiting from the convenience and coWebpit (CE 104136) • control of Automatic Bill Payment today. Fill your Wallet with Savings at Costco! Simply bring this statement into your local You are invited to take advantage of a Costco membership offer for Costco warehouse. American Expresso Cardmembers. Sign up for a Costco membership Costco membership is $45 by April 30, 2004, and receive a $10 Costco Cash card to use toward per year (plus tax where your first purchase. The sooner you join, the more you can save. applicable) and includes a Cosa, free spouse card. Costco Cash card offer expires April 30, 2004. Marketing Campaign code 19243. Valid for new Costco members only. (CE 104135) Stay with Holiday Inn® and get a $15 Lowe's Gift Card Visit www.hollday-Inn.com or Use your American Expresso Card to book and pay for a Holiday Irmo call 1-800-HOLIDAY or hotel Best Breaks" package between January 15 and April 30, 2004 your travel agent to and you'll enjoy more than a comfortable room and free hot reserve your room and get breakfast. You'll also receive a voucher redeemable for a $15 Lowe's free breakfast with Holiday Inn's Best Breaks rate. Gift Card. (CE 104137) For use at any Lowe's store for payment of purchases. Not a crediVdetit card arid has no implied warranties. Redeemable for merchandise only unless prohibited by law and cannot be used to make payments on any charge account. Unused amount can be used for future purchases. Lost or stolen Gift Cards can only be replaced upon presentation of original sales receipt for any remaining balance. It will be void if altered or defaced. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726710 DUPLICATE COPY emberahlp Optima® POrnt3 AVallable from American Express 3i15/04,when chargaslare paid mfilitt allSbur aceountagrelli good standing:, For Accost Winter Claim Dab 02/15/04 Page 1 of 8 New ActivlyS Adpernorta and Minimum Payment Due Date eitoWsearermS macs • es a sty Now Balance$ Amount Duo $ payrnevaftbAtt 03/11/04 6,876.80 -200.00 +34.65 -6,711.45 134.00 Please refer to page 2 for Important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ UDR $ Limit $ Limit $ on 02/15/04 9,800.00 3,089.00 8,100.00 3,089.00 Effective March 15th, 2004 significant changes to the Membership Rewards® program will be implemented. Please refer to your Membership Rewards point summary statement for further details. If you have questions regarding these changes, please contact Membership Rewards at americanexpress.com/rewards or 1-800-AXP-EARN (297-3276). Minimum Payment due by Payment Due Date. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $3,089.00. Contact us at www.americanexpress.com or call Customer Service at 1.800-635.5955. Activity .'"frana"ret's Amounl , . , 162/04/04. :::..FAyMENTSRECEIVED•-iTHANKYOUl02104,;4% 30.0;9614 Amount $ 02/15/04 Periodic FINANCE CHARGE 34.85 Total of New Activity 34.65 Please Sold oaths pateanGlow.loath and Mumrah tar parried + Continued on Page 3 Payment Coupon Payment Due Date: Please enter account 03/11/04 number on all checks and correspondence. Total New Balance To avoid additional $ 6,711.45 Finance Charges on Purchases, pay New Balance before Payment Minimum Amount Due Due Date. $134.00 GERMANTONN MD 20876-5960 Note any address ancgor telephone number change on reverse side. Unless you check here, this • change will apply to all of Amount enclosed your Card Accounts except any Corporate Card Mail Payment to: AMERICAN EXPRESS Accounts you have. PO BOX 360002 FT LAUDERDALE FL 33336-0002 000671145000013400 Marl EFTA01726711 DUPLICATE COPY Account Keripc, Page 2 of 8 XXXX-X>0Oa Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located In the US (other than American Express Centurion Bank), in the enclosed envelope with the remittance stub attached and account number listed on the cNck. Please do not send post-dated checks. They will be deposited upon receipt. if payment is made in any other form or at any other location, there may be a delay in processing Wo reserve the right to process chocks electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number To Pay By Phone and check serial number to your financial institution. Your checking account may be debited as soon as the same 1.800.472.9297 day we receive your payment. If we can not collect the funds electroncally at first presentment, we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments:By using the American Customer Service Express Pay By Computer, Pay By Phone or any other American Express electronic payment service, you wil be 1-800-635-5955 authorizing American Express to initiate an electronic detit to the financial account you specify in the amount 24 hoursi7 days you request. Touse Pay By Computer, please %risk us at www.americanexpress.com. Lost or Stolen Card: if the Card is lost or stolen, in the U.S. Immediately telephone us at the number noted to the right. International Collect Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average 1436.393.1111 Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying the daily periodic rate to the Average Daily Balance (as deserted below) for each feature (such as Purchase,-Cash Hearing Impaired Advance and Balance Transfer features) 01 your Account (including current transactions). To get the Average Daily (gam-5pm, EST) Balance for each feature, we (1) take the beginning balance for the feature each day (inducing unpaid FC from previous TTY: 1.800-221.9950 billing periods (2) add any new transactions, debits or fees, (3) subtract any payments or credits, and (4) make any FAX: 1-800-695-9090 atop-opiate a ustments. For each day after the first day of the billing period, wo also odd an amount of In NY: 1-800-552-1897 interest equ to the previous day's dell!), balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. II this balance is negative, it is considered to be zero. Then, we add up al the daily balances for the feature for the billing period and dvide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero it you paid the New Balance if any shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the tilling period and the • Correspondence daily periodic rate for hat feature, the result will be the FC assessed on that feature, except for variations caused %. rounding. The total FC for the idling period is calculated by adding the FC assessed on all features of the Account. TNs Customer Service method of calculating the Average Daily Balance and FC results in daily compounding of FC. The minimum 777 American FC for any billing periodin which FC are imposed is $0.50. Expressway Billing Rights Summary: in Case of Errors or Questions About Your BIII: If you think your bill is incorrect, or If Ft Lauderdale, FL you needmore information about a transaction on your till,write us on a separate sheet of paper at the address noted to the 33337-0001 right. We must hear fromyou no later than 60days after we sent you the FIRST till 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. Funds Access Services In your letter, give us the following Information: 1. Your name and account number; 2. The dollar amount of the P.O. Box 53809 suspected error 3. Describe why you believe there is an en-or. If you need more information, describe the hem you are Phoenix, AZ unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay 85072-3809 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 the amount you question. If you have authorized us to pay your bill automatically from your Payments savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter PO BOX 360002 must reach us three business days before the automatic payment is scheduled to Occur. Special Rule For Credit FT LAUDERDALE Card Purchases: If you have a problem with the Quality of goods or services that you purchased with a credit card, and FL 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 than $50 and the 33336-0002 purchase was made in your home state or within 100 miles of your maiing address. (If we own or operate the merchant, or it we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) In Case of ErrorS or Questions About Your Electronic Transfers: Please contact us by clicking on the Custemer Service Link online at vnyw.americanexpress.00m, or you can call us at 1-8004PAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong on contac oon as possible. We must hear from you nolater than 60 namer waccountyou the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your & number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Credit Balance: If a credit balance (designated 'CR') is shown on thS statement it represents money owed to you. You may make charges against the credt balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, we wit, within 30 days after expiration of tho six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit balance in your account tithe amount is $1.00 . or more. Creditor: American Express. Centurion Bank. New York residents may contact the New York Barking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8865. Change el Address if cermet on keel do no: use Name Company Name Steel Address City. Slats r I Zie cove Providing your email Area Cede/me address to American Hoene Phew Express will enable you to receive special offers, j Area Code and Work Phone Email L L_1_J _J suited to your needs. EFTA01726712 DUPLICATE COPY Mnto Mentor Cloaig Dale Page3o18 NIS )030c>C>0•CXX 02/15/04 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periods Oiling days this period: 31 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 255.14 0.0246% 8.99% 8.99% 1.95 Cash Advances 0.00 0.0520% 0.00% 18.99% 0.00 ChecWBalance Transfer 6,511.11 0.0162% 5.90% 5.90% 32.70 34.65 Certain of the periodc rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01726713 DUPLICATE COPY Pape 4 of 8 )oboc,o'bcoa EFTA01726714 Options` Monthly Statement and Page 5 of 8 Program News American Express For questions about ycur Statement Period PC7fre r b M EtafiSH9 , Membership Rewards account, December 1, 2003 - December 31, 2003 ael E 11•.5• I contact Account activity atter this period does not appear on this statement 1-800-AXP-EARN 1P . (297-3276) Available Points wvnv.americanexpress.com/rewards We:1%rihq Rcv,vct Accorrpt &T &r 1,473 American Express Membership Rewards PO Box 297813 when charges are paid in ful and all your accounts are in Ft. Lauderdale, FL 33329-9785 Account Summary Opening points balance 1,323 New points earned +150 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 1,473 New Points Earned 12/01/03 - 12/31/03 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 150 0 150 Totals 150 0 150 bleorbashp Rewards Corals mint earned may bo tea:clot/0 or co:keened as lag as al emceed Card accounts ace &mooed etwolop. Points vanslerrod or welcomed eannw be retorted brit in'e dw crowarn Forfeited points can be reinstated fore tee by piling the ixorriber provided below. Er 0ld* Card cSa-des se ginned n Ow Iternbersher Rtrarcb Oplians demon Tema and Cot in yaw C Perm& COW* Gybe you hemquest/re. pkrase eke wwwwmericaneelortswcontinwinbersbiptewardsoptions or ear 1-BOO. .EARN (2974276). From Meeses, call water 305.616-2799. Earn More! New ways to earn points. IMPORTANT NOTICE OF MEMBERSHIP REWARDS® PROGRAM CHANGES Effective March 15, 2004, 1) the fee to reinstate points Please note important forfeited for late payment will increase to 829 for each month program changes. of points reinstated, 2) for Cardmembers who cancel their Membership Rewards enrollment (or all Card Accounts (MR Message 6288) enrolled in the program), but still have one Card account open, the time period to redeem accrued points will change from 6 months to 30 days, 3) for each Corporate Card linked to a Membership Rewards account with another enrolled charge Card, the additional annual fee will increase to $35. IMPORTANT NOTICE OF MEMBERSHIP REWARDS OPTIONS® PROGRAM CHANGES Effective March 15, 2004, for each transfer of points into the Please note important Frequent Flyer program of a US airline, a fee of $0.0004 per program changes. two points, with a maximum fee of $50, will be charged to your Card account. We charge this fee to offset the federal (MR Message 1290) excise tax we must pay on such transfers. The fee may be more or less than the actual amount of the excise tax we pay on any individual transfer. Continued on covens 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. EFTA01726715 American Exprent ATE COPY Page 6 of 8 pinini• • I New Rewards from Rail Europe New in 2004, Rail Europe will offer two new certificates in the To review these rewards Membership Rewards® program--explore France by train and and redeem points, visit www.americanexpress. rE --(ailEurope get $100 off First Class France Saverpass, or enjoy tom/rewards or call Switzerland's scenic beauty and get $100 off First Class 1.800-AXP-EARN Swiss Saver Flexipass. You can also redeem points for other (297-3276). rail and hotel packages in London and Paris. (MR Message 9172) Paa40.$ based on two people travel rg agate; steacclearaleakg. BLOCKBUSTER® Movie Coupons! Redeem Membership Rewards® points for a For more information BLOCKBUSTER 10-pack of movie rentals and receive hours go to www. amerIcanoxpress.com/ of entertainment value! Choose from New Releases and rewards BLOCKBUSTER Favorites® and treat your friends and family to a night at the movies! (MR Message 5192) Mereserthe turn ad cerise taeltaions apply lot write t BLOCKIXISTER. See Wore cad for details. Mare cane we reckeinette a pet:were EleCKBUSTIER Wore Ioc& ELOGICOUSTER twee, *Wan and meted masks we tademvw el gicckbuser Irv. 2036 liketbetet trc Ae the seemed 1Ox Points Plus the Perfect Gift at GiftSense.com Gift Sense"' online shopping provides smart ideas and Earn 10x Points at answers for every gift giving need--in one convenient place. vnvw.gIttsense.com Gift Plus, you can earn 10x Membership Rewards® points! As a trusted partner of FTD.COM®, GiftSense.com offers secure famexmr1 - EVERYDAY, ALL YEAR Sense transactions, guaranteed satisfaction, dependable delivery and quality products. (Bonus ID 5842) Egan. MVOS. Net vald in oral sea wet otter dew Pratte price excludes diegirg. Too= taws Potts, you mg be encored n I,e Montaseip Newels prcgan al at,. tine a purchwe and dens your pitchout to an (Agee, carded American Egos* Cad. Brow pits we be ante io yctr secure wren 1002 weeks. Bonus ID: 5802. Earn Double Points on Toshiba Computer Products Shop online at www.shoptoshiba.com, your direct sourti Earn double points today for Toshiba computer products, and uou can earn double by shopping on www.shoptoshiba.com TOSHIBA points every time you use your eligible, enrolled American Express® Card from 1/15/04 - 3/15/04. Choose from a wide selection of portable computers, accessories, wireless (Bonus ID 1609) technology products, Pocket PCs, projectors, mobile server computing solutions and more. Madmen 3,000 torus pods per tannin and 10,003 ewes peals par Ulla:wear Owing peenelen pared. To nen tone pares, you reel be embed Le tie Liernbenep Ramada® peptem al the env of eed charge yew purchwe wall an eigUe, emceed Ameibeei Diernse0 Gant Dam poise rril ff reed to yaw =cowl nein 64 weeks. Donis ID: 1601. Smith & Wollensky Restaurant Group Certificates Redeem points for a $100 or $250 Certificate, valid at any To redeem Membership Smith & Wollensky location throughout the country in New rewards° points visit www.amedcanexpress. York, Miami Beach, Chicago, New Orleans, Las Vegas, com/rewards or call Washington D.C., Philadelphia, Columbus, Dallas and 1.800-AXP-EARN Houston. In addition, visit Smith & Wollensky's six New York (297-3276). City concepts: Maloney & Porcelli, Park Avenue Cafe, (MR Message 8015) ONEcps, The Manhattan Ocean Club, The Post House and Cite. For more information on restaurant locations, visit www.smlthandwollensky.com or call 1-877-783-2555. 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. EFTA01726716 DUPLICATE COPY Arcast Mater CICON title Page 7 of 8 XXXX-XXXX)M 02/15/04 Cusfmaxirag- 4Wr` 7-Night Hawaiian Vacation Packages Starting at $964/Person Call American Express Travel at Book a 7-night Hawaiian vacation to Oahu with American Express Travel and 1.888-AXP-0071 to book CLASSIC receive a rental car. Rates start at $964 per person at the Hilton Hawaiian nowl Imiej Village® Beach Resort & Spa on Oahu. (CE 104162) TI*1 Price shown is per person, land only, based on 7-night double occupancy at rat Hilton Hawaiian Village Beach Resort & Spa In a Garden View room. Airfare Is CUSTOM I1 additional and not included in the rate shown. Subject to availability at time of VAC/.11W. booking and may be changed or discontinued without notice. Cannot combine with other promotional offers. Hotel blackout dates, taxes, minimum night stays, seasonal surcharges or other restrictions may also apply. Additional packages and hotels available at higher prices. Valid for booking and travel dates through 4/30/04. Rental Car valid for economy- size car with Hertz for up to 7 days--clients choosing upgraded vehicle or additional days will receive a $199 car credit toward booking. Offer requires minimum 7-night stay at participating hotels and purchase of Classic Hawaii's Change and Cancellation Waiver ($59 per adult), which is ackfitional. Call American Express Travel at 1-888-AXP-0071 to book now! American Express Travel Related Services Company, Inc. acts solely as a sales agent for travel suppliers and is not liable for the ads or actions of such suppliers. CST,* 1022318-10, TA-149 Registered Ohio Travel Agency, Washington UBla 600-469.694, MUt 1192. Enjoy Retirement on Your Terms • Get Your FREE Guide To request your free, no-obligation retirement It's never too early to start planning for retirement Today, more than planning guide, call ever, it's important to identify what you can do now to ensure the 1.888.800.8696 today. retirement you want in the future. That's why we're offering Cardmembers our 20-page Retirement Guide, free with absolutely no (CE 104171) obligation. The guide contains helpful tips and strategies on topics like pensions, retirement plan rollovers, and taxes, as well as tools to help you'estimate how much you'll need in retirement and how long you can expect it to last. American Express Financial Advisors Inc. Member NASA American Express* Company is separate from American Express Financial Advisors and is not a broker-dealer. Splendors of Mexico. The Caribbean. Up to $150 Credit* To purchase your vacation to Mexico or the Experience the stunning beaches of Acapulco. Dive the fascinating coral reefs of Caribbean now, call Cozumel. Go fishing with sculptures of the sea in Los Cabos. Take advantage of American Evess-2483Travel 10 fabulous Caribbean destinations. And, if you qualify, receive your Annual • - or go to W E i Travel Benefit--up to $150 credit! ameticanexpress.com/ ar annualtravelbenefit. Travel 'A Qualifying Vacation is a purchase offered by a cruise or vacation package operator through a participating American Express Travel Services U.S. location (CE 104169) valued at $2,000 or more per booking for $100 credit or, only for Gold Card, Platinum Care & Centurion® Charge Card members, valued at $2,500 or more for $150 credit. Does not include independent air, hotel, or car rental reservations. Available once per Card account per year. May only redeem one per booking. Other material Terms, Conditions and Restrictions apply. Call a participating American Express Travel location for details at 1.866-AXP-2808. American Express Travel Related Services Company, Inc. acts solely as a sales agent for travel suppliers and is net Fable for the acts or inactions of such suppliers. CST,* 1022318-10, TA-149 Registered Ohio Travel Agency, Washington UBl# 600-469.694. ML#1192 POI0: C582:0005 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. EFTA01726717 DUPLICATE COPY &coact timber Page 8 of 8 >00C(-)CCCC Get MONEY Magazine for Only $9.99! To subscribe, please call 1.888-276.2508. when For practical advice and information on how to invest, save and placing your order you spend, try MONEY magazine for only $9.99 for 1 year (14 issues)--our must mention American LOWEST PRICE AVAILABLE ANYWHERE! You'll save over 82% off Express offer code MOBGJU7 and pay with the cover price. Your subscription will be entered into the Preferred money Subscriber's Automatic Renewal Program*. your Card to qualify for this special offer. 'Preferred Subscriber's Automatic Renewal Program••Your subscription will be (CE 104222) automatically renewed annually without intemmtion unless you tem us to stop. At the end of your initial term and before the start of each new term, MONEY will charge your American Express• Card in time to lock in the savings then in effect (current savings are 82% off the cover price). You can cancel at any time and get a full refund on all unmated Issues. Get Cash in the U.S. and Internationally 24/7/365 Cat 1.800-CASH-NOW (1-800427-4669) to Need some quick Euros for an emergency stop over? Have a Yen for obtain your PIN today. that pottery set? As an American Expresso Cardmember, you are Please visit automatically enrolled in Express Cash--a service that allows you to www.americanexpress. comfoxpresscash for get cash in the local currency at over 600,000 locations both in the more information. U.S. and internationally. There's no monthly charge, you pay only for the transactions you make. (CE 104242) Obtaining your PIN is easy and costs nothing--simply call 1-800-CASH-NOW and ask for your Express Cash PIN. Get Your Tax Refund Fast With OnlineTax! Try American Express OnlineTax at This tax season, use American Express OnlineTax to file your tax return and get www.americanexpress. your refund fastl com/efikr. Online filing is quick and easy, and speeds up your refund. American Express OnlineTax Is an easy-to-use online tax preparation program Just answer the questions that handles federal and state income tax returns--all for $34.95, including FREE and let the OnlineTax e-filing, through March 31, 20041 program prepare your. return. Only 634.95 Visit www.americanexpress.cernietile, answer the simple questions, and let including a-filing, through OnlineTax automatically select and complete the appropriate forms, and even March 31, 20041 check for errors and omissions. By e-filing, you can take advantage of a full range (CE 104194) of refund and payment options, including direct deposit of refund amounts. .File your taxes with a name you trust, and enjoy the benefit of receiving a faster refund with American Express OnllneTaxl Now Accepting the American Express® Card! It there are other places where you would like to Napster - Discover and buy music in a whole new way with Napster see the Card accepted, 2.0. To buy tracks, bum or transfer any albums, visit us at please call the Customer www.napster.com. Service number that is located at the top of your statement or the number Law America - A plan that provides legal protection with law firms that is on the back of your nationwide. Benefits include trial representation. 1-800-453-9376. Card. www.lawamerica.net. (CE 104197) National Product Sales - NPS is focused on the customer looking for great values. Join us on the Web at www.E-NPS.com. Also check out our great values at www.NPSBookie.com. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726718 DUPLICATE COPY Optima® P emia Pouts Avallablc from American Express 01/31/0+1When charges dusiirei 1. 41s4 41M#F994V ,14.000— itixoxmtrim amigos 03/16/04 Page 1 of 12 NewMil..11$ imA4Mmethend Mthmm Payment Due Date Neekm &Wm $ Paimenl aunty RthiumChammilem New &Mt. $ AremmeueS 04/10/04 6,711.45 -200.00 +32.88 =6,544.33 131.00 Please refer to page 2 for important information regarding your =pont Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 03/16/04 9,800.00 3,256.00 8,100.00 3,256.00 See Page 7 For An Important Notice See Page 9 For A Notice Ot Changes To Your Agreement See Page 11 For An Important Privacy Notice Minimum payment due by payment due date. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $3,256.00. Contact us at wvew.americanexpress.com or call Customer Service at 1-800.635.5955. Activity litje3 Calbigaa Amouni$ 200.0_,,,04* t23,42401A1AYmENT-TiEgEwEPIIngtARY 0:MW, •mountS 03/16/04 Pencgfic FINANCE CHARGE 32.88 Total of New Activity 32.88 + Pbase WonIM pobaki. z boa". &Lath and :dun we, yos payment I Continued on Page 3 Payment Due Date: Please enter account Payment Coupon 04/10/04 number on all checks and correspondence. Total New Balance To avoid adchtiOnal $ 6,544.33 Finance Charges on PPM Purchases, pay New Minimum Amount Due Balance before Payment $131.00 Due Date. MD 20876-5960 Note any address and/or telephone number change on reverse side. Unless • you check here, this change will apply to all of Amount enclosed your Card Accounts except any Corporate Card Mail Payment to: AMERICAN EXPRESS Accounts you have. PO BOX 360002 FT LAUDERDALE FL 33336-0002 I 000654433000013100 17rIrl EFTA01726719 DUPLICATE COPY Account Nurbc, Page 2 of 12 )000(-XXXX Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments, must be in US Dollars and drawn on a bank located Inthe US (other than a line of credit check issued by American Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remItarce stub attached and account number listed on the check Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments, 6 To Pay By Phone by transmeing the amount of the check, routing number, account number and check serial number to your financial 1-800472-9297 Institution. Your checking acccuM may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account for the amount Customer Service of the check. Authorization for Electronic Payments:By using, the American Express Pay By Computer, 1-800-635-5955 Pay By Phone or any other American Express electronic payment service, you will be authorizing Amencan Express 24 hours/7 days to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at wenv.americanexpress.com. International Collect Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immedately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Office creel! any local Amencan Express office. 1.336.393-1111 Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying Hearing Impaired the daily periodic rate to the Average Daily Balance (as described below) for each feature 'such as Purchase, Case (gam-5pm, EST) Advance and Balance Transfer features) of your Account (inducing current transactions). To get the Average Daily TTY: 1.800.221.9950 Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous FAX: 1-800-695-9090 biting periods), (2) add any new transactions, debits, cr leas, (3) subtract any payments or credits, and (4) make any In NY: 1.800.552.1697 appropriate adustments. For each day alter the first day of the billing period, we also add an amount of interest equal to the previous day's ditty balance multiplied by the citify periodic rate for the Mature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, ft is considered to be zero. Then, we addup all the daily balances for the feature for the bittern period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance forthe feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you Correspondence paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daly Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by Customer Service rounding. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. This 777 American method of calculating the Average Daily Balance and FC results In daily compounding of FC. The minimum Expressway FC for any billing periodin whch FC are imposedis $0.50. Ft. Lauderdale, FL Billing Riahts Summary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if 33337-0001 you need more information about a transaction on your bill, write us on a separate sheet of paper at the address noted to the right. We must hear from you no later than 60 days after we sert you the FIRST bill on which the error or problem appeared. Funds Access Services You can telephone us at the number indicated on the front of this statement, but doing so wil not preserve your rights. P.O. Box 53809 In your letter, give us the following information: 1. Your name and account number; 2. The doter amount of the Phoenix, AZ suspected error;3. Describe why you believe there is an error. If you need more information, describe the item you are 85072-3809 unsure about. You do 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 inquestion. While we investigate yeurquestion, we cannot report you as delinqueM or take Payments any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings PO BOX 360002 or checking account, you can stop the payment on any amount you think is wrong. To Mop the payment, your letter must FT LAUDERDALE reach us three business days before the automatic payment is scheduled to occur. Special Rule For Credit Card FL 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 33336-0002 goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home stale or within 100 miles of your mating 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.) In Case of Errors or Questions About Your Electronic Transfers: Please contact us by eliciting on the Customer • Service Unk online at vnyw.americanexpress.com, or you can call us at 1-800-IPAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800•CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as Soon as Possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared When contacting us: 1. Tell us your name & account number; 2. Provide the dater amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you thirk is in error, so that you will have use of the moneyWring the timed takes us to complete our investigation. Credit Balance: If a credit balance (designated "Clie is shown on this statement,it represents money owed to you. You may make charges against the credit balance or request a refund If you 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 indicating the credit balance, issue a cheek to you for the credit balance in your account if the amount is $1.00 or more. Creditor: American Express Centurion Bank or American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative :fisting of credit card rates, fees and grace periods bycalling 1-800-518-8866. Change of Address a cooed on Iront r *opium Name J_ Ccerpantr Nate Street Adiroos I I- TT 1 I Qty. State z7 Cade Providing your email Area Code rd address to American Horne Phoro Express will enable you Area Code ant to receive special offers, Work Phone suited to your needs. End EFTA01726720 DUPLICATE COPY fcccurt Nutter aOlifg DrN Page 3 of 12 MIS XXXX-XXXXX_ 03/16/04 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periods Billing days this period: 30 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 257.07 0.0246% 8.99% 8.99% 1.90 Cash Advances 0.00 0.0520% 0.00% 18.99% 0.00 ChecWBalar.ce Transfer 6,373.68 0.0162% 5.90% 5.90% 30.98 32.88 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wail Street Journal, as described in your Cardmember Agreement as currently in effect EFTA01726721 DUPLICATE COPY Pr ed Fa Scan Page 4 of 12 Voci:swit >otooME EFTA01726722 MembePROPITeilifits Options- Monthly Statement and Page 5 of 12 Program News 4nsi•rican Exrr co For questions about your Statement Period Membership Rewards account, contact January 1, 2004 • January 31, 2004 1-800-AXP-EARN Account activity after this period does rot appear on This statement (297-3278) Available Points www.ameticanexpress.com/rewards Lrarbersbn newwd t Acocurtt imbue American Express 1,575 Membership Rewards PO Box 297813 Points are availed* when charges are paid in lull and all your ascounts are in Ft. Lauderdale, FL 33329.9785 good standing. Account Summary Opening points balance 1,473 New points earned +102 Points transferred or redeemed , 0 Reinstated points and adjustments 0 New points balance 1,575 New Points Earned 01/01/04 • 01/31/04 Points Activity On Bonus Points Total Points '40v:1y Eligtie Charges Awarded Per Card 102 0 102 Totals 102 0 102 SPrntett o Rowan:I:Options pants earned may be transferred or redetrred as lone as as errant Cad accoune are in 'peed strong. Pairs owebardourdeunol c.wcl be rewindbook knobs PotOrarn Forfeited points can be retratated tar a fee by calling Ile number provided below/. Eligal•Cad thug), aro cadre:din the Mambas* Per/ads Opens P107arn Turn, 1`rd Contacra fr Ka Usenterc1TP Rereads Gybing G a. N you homequest:a pease via WWW.aM4Hcanorpross.contlmemberthipreWaidsoptIons or cad 1400.AXP-EARS/1297.3276). From PAM" eta coke 30€41b2709. Earn More! New ways to earn points. Important Notice of Membership Rewards® Program Changes Effective May 1, 2004, eligible Cardmembers will no longer (MR Message 6195) accrue two Membership Rewards points for virtually every dollar charged at stand-alone hardware and home Improvement stores. Instead, Cardmembers will accrue one point for every dollar charged at such stores. Proyam changes apply only to Rebont (leen & Gott Praierred Rewards G100.1 & God. Rewards Pls Gc Flarterr Cords. Carttsionta Cord Gott Amtrak CPIS Ftnantia: ktaurit Flaw Card Mtn Fannre'a.1.9.znicen Cad Feleky Amorioan Express Green. God and Flatiron Cads. EldtleCare.merreess tell contest* to prom twopeas ter e% dollar chsged 0 the U.S. al catate0 dad-alone SvplandkCa. dna:nieces, ga.: xl.thon, the Us. Patti ad la **ekes phone Ni parson. Sok pachumd ueettiact Into art* only ono Ora per dollar. Earn 5x Points from sharperimage.com ALL YEAR! THE Sharper Image offers innovative products for the home, office and travel that make life easier and more enjoyable. PLUS, Shop today at envw.shatperimage. com/amexbonus and SHARPER you can earn 5X Membership Rewards• points for every dollar you spend when you shop at earn 5x points. IMAGE www.sharperimage.com/amexbonus. (Bonus ID 1076) OfOr vas ONLY viten you go to www.sturperimage.conVameabonus bictO 123b04. To earn bonus pone, you =Ube °breed In Pa hranbefelipRefewes program or the ems a pi:chase4rd change your ',memo loan edge* intokd Arrencon Ewen. Card. Not valid b Haw, phenanal crdcls a lar Me %um troapoduCttan Otte In swat Bonus paints w2 be awarded within 10.12 weeks Bonus ID: 1016 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. EFTA01726723 American Express* ATE COPY scz menitsensmir r Page 6 of 12 S at A AE 115 ! - rit;2 A. Get More for Your Travels with Starpoints"! Starwriod's award-winning Starwood Preferred Guests To transfer Membership program has been voted best hotel program three years in a Rewards points to Starpoints, simply go to row by frequent travelers. As a Starwood Preferred Guest, ameficanexpress.com/ STARWOOD PREFERRED GUEST you'll earn valuable Starpoints redeemable for free nights, rewards or call free flights, and more. Starwood has more than 750 hotels, 1.800-AXP-EARN including Westin® Hotels & Resorts, Sheraton® Hotels (297-3276). & Resorts and W Hotels®. And, with True Redemption", (MR Message 4288) there are no blackout dates or availability restrictions on award stays. 1.030 ManixioNp Roteatam paints equal 333 c4xpcintron. Celebrate Spring with Smith & Hawken! Plan the garden of your dreams at Smith & Hawken. From To redeem points for a Eden Park'" Garden Structure to Premium Teak" furniture $50, $100, cr $200 Smith & Hawken Gift Card, go to Smith&Hawken to plants, containers and lighting, you'll find a wealth of www.amedcanexpress. products for creating your own place in the sun (or shade). corn/rewards or call For store locations or to request a catalog, call 1.800-AXP-EARN 1-888-683-3725 or visit www.smithandhawken.com. (2974276) (MR Message 1075) Earn DOUBLE Points from Spa Finder • All Year! You can now earn DOUBLE Membership Rewards® points Visit www.spafinder.com on all purchases online from Spalinder.com or by calling or call 1488-ALL-SPAS and start earring double SpaFndee 1-888-ALL-SPAS and using your American Express® Card— everyday, all year! Choose from gift certificates redeemable at over 1,100 day, destination and resort spas worldwide and points! (Bonus ID 6441) from a wide selection of products from the spa merchandise collection. OM, yaM ap, mint To 012M:ono lam liana gait, you must beander! in the Martneroic Enx R esvands fl &yarn alushe r vd ilirocc=ri ax .t usto cirgilt. ensotal Anncerban Hit the Road with Budget! From Anchorage to Zimbabwe, Budget's got you covered To redeem for a Budget Bud et. with more than 3,000 locations worldwide. Budget offers one of the newest fleets in the car rental industry, with over 70% of its rental cars less than six months old. Redeem for a Budget certificate starting at just 5,000 Membership certificate, simply go to vivnv.amedcanexpress. comfrewards or call 1-800-AXP.EARN (297-3276). Rewards® points. (MR Message 6225) Morton's, The Steakhouse Certificates Morton's always makes dining a night to remember, To redeem, visit tempting food lovers with abundant portions of USDA prime vivniamericanexpress. corn/rewards or call aged beef, fresh seafood, hand-picked produce and 1.800-AXP-EARN tempting desserts. Morton's is well known for its unparalleled (297.3276). For locations 6 service and legendary hospitality--setting the standard for visit www.mortons.com DIE STEAKHOUSE fine steakhouse dining. Redeem Membership Rewards® or call 1.866-MORTONS (6674667). points for $100 and $250 certificates for the ultimate dining experience at one of the 64 Morton's restaurants worldwide. (MR Message 9034) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726724 DUPLICATE COPY Accost tarty CboiNa Dale Page 7 of 12 03/16/04 NOTICE OF PROPOSED CLASS ACTION SETTLEMENT AND HEARING THEREON Christopher Boehr vs. American Express Centurion Bank, et al, Superior Court of the State of California for the County of Los Angeles, Case No. BC 256499 TO: All current or former holders of credit cards or charge cards Issued by American Express Travel Related Services Company, Inc. or American Express Centurion Bank, or any of their subsidiaries or affiliates or any of their predecessors (collectively, "American Express"), who at any time between August 22, 1995 and January 27, 2004 either (1) incurred finance charges or (2) incurred a late fee within one day of the posting of a payment to their account (hereinafter, "Settlement Class"). THIS NOTICE MAY AFFECT YOUR RIGHTS - PLEASE READ IT CAREFULLY This Notice summarizes a proposed class action settlement from the Settlement Contribution for corporate accounts will relating to your credit card or charge card account(s) with be paid to the corporate holder of the account rather than American Express. On January 27, 2004, this Court gave the individual card holders. preliminary approval to the Settlement. The purpose of this Distributions will be made automatically for Settlement notice is to describe the proposed Settlement to you and Class members whose accounts are open or who are advise you of your rights. receiving periodic statements. Settlement Class members Description of the Litigation whose accounts are closed and who are not receiving periodic statements must submit a timely and properly On August 21, 2001, plaintiff Christopher Boehr ("Plaintiff") completed Claim Form in order to receive a distribution filed a class action complaint (the 'Boehr Action') against from the Settlement Contribution. tf you received this American Express alleging that Settlement Class members notice with your periodic statement, you need not submit a incurred additional finance charges and late fees not claim form. authorized by their agreements with American Express when their payments were received by American Express Non-Monetary Consideration. American Express will after noon or on weekends or holidays because the amend its cardmember agreements to clarify that payments payments were not credited until the following business received after noon or on weekends or holidays may not be day. American Express denies any wrongdoing, and has credited until the following business day. American asserted numerous defenses to both liability and damages. Express also will agree to continue at least until January Among other things, American Express contends that its 27, 2006, its existing practice of not assessing late fees on payment crediting practice is expressly authorized by its revolving credit card accounts for payments received within agreements with Settlement Class members. 24 hours of the payment due date, unless there is a change Nevertheless, American Express has agreed to the in substantive law preventing maintenance of this grace proposed Settlement solely to avoid the burden of further period. litigation. Plaintiff believes that the claims asserted In the Attorneys' Fees. At the final approval hearing, Class litigation have merit, but that the proposed Settlement is Counsel will make an application to the Court for an award fair, reasonable and in the best interest of Settlement Class members given the risk and expense of further litigation. of attorneys' fees and costs in the amount of $3,000,000 plus a proportional share of net Interest on the Settlement The Court has scheduled a hearing on July 30, 2004, at Contribution. American Express will pay attorneys' fees 8:30 a.m. in Department 324 of the Los Angeles County, and costs awarded by the Court not to exceed this amount. California Superior Court, located at 600 S. Commonwealth The attorneys' fees and costs will be paid out of the gross Ave., Los Angeles, Califomia 90005, to consider whether Settlement Contribution. American Express will also pay a to grant final approval of the Settlement. reasonable and customary incentive award, in an amount awarded by the Court, but not exceeding $10,000, to Terms of the Proposed Settlement Plaintiff. If the Settlement receives final approval, American Express Based on their substantial investigation and discovery in will provide the following relief to the Settlement Class: the action, Class Counsel believe that the Settlement is Monetary Consideration. American Express has deposited fair, reasonable and in the best interests of Settlement $8,200,000 into an interest-bearing escrow account (with Class members. interest, the 'Settlement Contribution'). After payment from Your Rights the Settlement Contribution of escrow costs, Class Counsel's fees and costs and the incentive award If the Settlement receives final approval, each member of approved by the Court, American Express will credit or pay the Settlement Class who has not obtained proper and (as applicable) to each member of the Settlement Class a timely exclusion from the Settlement Class, their respective proportional share of the Settlement Contribution provided heirs, executors, administrators, representatives, agents, that such member's account has not, at any time prior to attorneys, partners, successors, predecessors-in-interest, the date the Settlement Contribution is distributed, been assigns, and any authorized users of their accounts will be written off by American Express and/or been in collection deemed to have fully released and forever discharged and/or been sold for purposes of collection. Distributions American Express, its present, former and 8P/MU/GCB/0304 15047 EFTA01726725 DUPLICATE COPY Page 8 of 12 future direct and indirect parent companies, affiliates, Settlement Class; and (III) you will preserve your ability to subsidiaries, agents, successors, predecessors-in-interest independently pursue any claims you may have against and/or any financial institutions, corporations, trusts or other American Express by filing your own lawsuit at your own entitles that may hold or have held any interest in any expense. DO NOT WRITE REQUESTING EXCLUSION IF account or any receivables relating to any account, or any YOU WISH TO RECEIVE A SHARE OF THE receivables or group of receivables, or any interest in the SETTLEMENT CONTRIBUTION. operation or ownership of the American Express Company and all of the aforementioneds' respective officers, Any Settlement Class member may appear at the hearing directors, employees, attorneys, vendors (including to argue that the proposed Settlement should not be processing facilities) and assigns, from any and all rights, approved and/or to oppose the applications of Class duties, obligations, claims, actions, causes of action or Counsel for attorneys' fees and costs and the incentive liabilities, whether arising under local state or federal law, award. However, In order to be heard at the hearing, you whether by statute, contract, common law or equity, must make any objection in writing and file it with the Court whether known or unknown, suspected or unsuspected, no later than July 15, 2004. The objection must also be asserted or unasserted, foreseen or unforeseen, actual or mailed to each of the following and postmarked on or contingent and liquidated or unliquidated, as of the date of before July 15, 2004: Class Counsel: Brian R. Strange, Final Judgment: (1) that arise out of or are related in any Strange & Carpenter, 12100 Wilshire Blvd., Suite 1900, Los way to any or all of the acts, omissions, fads, matters, Angeles, CA 90025; Counsel to American Express: Scott transactions or occurrences that were or could have been M. Pearson, Stroock & Stroock & Levan LLP, 2029 Century directly or indirectly alleged, asserted, described, set forth Park East, 18th Floor, Los Angeles, CA 90067. or referred to in the Boehr Action and relating in any way to How To Obtain Additional Information posting and/or crediting of payments on accounts (including but not limited to claims for alleged violations of the Truth in For more detailed information, you may review the Court's Lending Act (including the Fair Credit Billing Act), state file during regular court hours at 600 S. Commonwealth consumer credit or consumer protection statutes, common Ave., Los Angeles, California 90005. You also may obtain law prohibiting unfair or deceptive trade practices, breach of a copy of the full settlement agreement by logging on to contract, fraud and misrepresentation); (2) that are, were or vwuw.boehramexsettlement.com or by calling 888-568- could have arisen out of or been related in any way to the 7650, and you may contact Class Counsel at the address Released Parties' practices or disclosures relating to the set forth above. PLEASE DO NOT CONTACT THE posting and/or crediting of payments on accounts (including COURT OR AMERICAN EXPRESS. but not limited to claims for finance charges or late fees); or This notice provides only a summary of matters relating to (3) that relate to the administration of the Settlement. The the Settlement. You may seek the advice and guidance of releases identified in this paragraph shall be referred to as your own private attorney at your own expense if you:wish. : the Released Claims, and the parties released shall be referred to as the Released Parties. Without limiting the foregoing, the Released Claims specifically extend to Dated: 1/27/2004 /s/ claims that the members of the Settlement Class do not The Honorable Victoria Chaney know or suspect to exist in their favor at the time that the Judge of the Superior Court Settlement, and the releases contained therein, becomes effective. This paragraph constitutes a waiver of, without limitation as to any other applicable law, Section 1542 of the California Civil Code, which provides as follows: A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR. If you do not wish to participate in the Settlement, you may exclude yourself from the Settlement Class ('OPT-OUT') by sending a letter to Boehr Settlement Administrator, P.O. Box 1692, Faribautt, MN, 55021-1692, postmarked by no later than July 15, 2004. The letter must be signed and must include your full name, address and account number(s). The request must also state: "l/we request to be excluded from the Settlement in Doehr vs. American Express Centurion Bank. et al., Los Angeles County Superior Court Case No. BC 256499: By electing to 'OPT- Our: (I) you will DQI share in any distribution of the Settlement Contribution; (ii) you will not be bound by any further orders or judgment entered for or against the BPRAUtOCI1O304 T5047 EFTA01726726 DUPLICATE COPY Axount Minty Clcoirg Dais Page 9 of 12 03/16/04 Notice of Changes to Your Agreement We are making Important Changes to your American Express Cardmember Agreement governing the American Express. Card Account identified on this Notice. We urge you and any Additional Cardmembers on your Account to read this Notice carefully. The changes made to the Cardmember Agreement will become effective as indicated below. This Notice formally amends that 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 and fees and changing fixed APRs to variable APRs) in accordance with the Agreement governing your Account. Al 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 the changes, and then file this Notice for future reference. If you have questions regarding this Notice, please call the telephone number listed on the back of your American Express Card. Over4imit Fee (Effective with billing periods ending on or alter May 8, 2004) We are Increasing the Over-rimit Fee to $35 if you exceed the total credit line on your Account. Accordingly, we are amending the Other Fees section of your Cardmember Agreement by replacing the "$29' applicable to Over-limit Fees with "$35.' Dishonored Payment Fee (Effective May 8, 2004) We are increasing the fee to $38 whenever any check similar instrument, electronic payment order that we receive, or a check presented at an American Express Travel Services Office or other authorized location is not honored by your bank or other financial Institution. Accordingly, we are amending the Other Fees section of your Cardmember Agreement applicable to Dishonored Payments by replacing "$29' with "$38.' We are also replacing the '$29' with 138" in the Payments for Cash Transactions section of your 'Agreement between Cardmember and American Express Travel Related Services Company, inc. Concerning Electronic Funds Transfer Services." Balance Transfer and Convenience Check Fee (Effective May 8, 2004) We are adding a fee on Balance Transfers and convenience checks posted to the Cash Advance balance. We will impose a transaction fee equal to 3% of the amount of the Balance Transfer or convenience check, with a $5 minimum and no maximum for all convenience and Balance Transfer checks posted to the Cash Advance balance. Accordingly, your Cardmember Agreement is revised to substitute the section entitled Convenience Check Usage/Balance Transfer Transaction Fee, included in the Other Fees section, with the following section: 'Unless otherwise disclosed in a Promotional Offer, we will charge a transaction fee for each Balance Transfer and each convenience check drawn on your Account. This fee, a Finance Charge, will be 3% of the amount of the convenience check cr Balance Transfer, with a minimum of $5 and a maximum of $50. However, no maximum will apply to the fee for Balance Transfer or convenience checks made payable to cash or to you, a bank, brokerage or similar asset account. This fee will be added to the same Purchase or Cash Advance balance as the convenience check transaction or Balance Transfer.' Fee for Copies of Statements (Effective May 8. 2004) We are increasing the fee for copies of billing statements to S5 per statement copy requested. Accordingly, we aro amending the Other Fees section of your Cardmember Agreement applicable to copies of statements by replacing "Sr with -$5." APR Applicable to Accounts (The changes in those sections will become effective as noted below) We are amending the Finance Charges section of your Cardmember Agreement as follows: Determinina the Prime Rate Applicable to Your Accp_unt Effective with billing periods ending in June 2004, we are changing the timing of when we determine the Prime Rate used to calculate the variable APRs applicable to your Account to the higher of the 1st or 25th day of the month prior to the month in which your billing period ends. pPR Applicable to Accounts in Default: Effective with billing periods ending in June 2004, we are changing the Default Rate from a fixed APR of 23.99% to a variable APR equal to the Prime Rate plus 21.99%. This change will apply to Accounts that are at the Default Rate as of the effective date as well as Accounts that go into default in the future. APRs for Failure to Pay on Time' (I) Effective with billing periods endng on or after July 15, 2004 we are increasing the APR for Purchases for Cardmembers who fail to make a timely Minimum Payment. If you fail to pay the Minimum Amount Due by the Payment Due Date on time once, but not more than once in a twelve month period, the APR WI be 17.99% (unless a higher APR applies pursuant to any provision of your Cardmember Agreement). This APR will be applied until a minimum of twelve billing periods have passed without any failure to pay on time (assuming you have not triggered any other criteria for application of a higher APR under the Agreement). (ii) Effective with billing periods ending in May 2004, we are also revising the circumstances in which the Default Rate yid] apply to your Account. Accordingly, we are replacing subsections C and D of the Finance Charges section of your Agreement with subsections C, 0 and E as follows: 'C. Notwithstanding the foregoing, the APR for Purchases will be equal to 17.99%, with a DPR of .0493%, a in any Review Period any portion of any Minimum Payment on your Account is not made by the Payment Due Date. BP/OP5FYI/0304 EFTA01726727 DUPLICATE COPY Pr WPCS Page 10 of 12 D. The "Prime Rate" is determined once with respect to each billing period, and applies to the entire billing period. The Prime Rate for billing periods ending in any calendar month is the highest Prime Rate published in the Money Rates section (or successor section) of The Wall Street Journal on the 1st or 25th day (or, in each case, if such date is not a business day, the next business day) of the prior calendar month. If The Wall Street Journal ceases publication or does not publish the Prime Rate on ether of those dates, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York, or we may substitute a similar reference rate at our sole discretion. E. Notwithstanding the foregoing, the DPR (and corresponding APR) on all balances will Increase to the Default Rate if during the Review Period (I) payment of your Minimum Amount Due is not credited to your Account by the Payment Due Date in any two billing periods, (ii) a payment on your Account is not honored by your bank or other financial institution, or (iii) you exceed any designated credit limit on your Account three or more times. The "Review Period" is the period, constituting approximately one year, of twelve consecutive billing periods ending with the Closing Date of the current biting period, whether or not you received a statement for each such billing period. If the Default Rate is rippled, it will apply to your Account for a minimum of twelve consecutive billing periods, beginning with the current billing period. The Default Rate Is a OPR which corresponds to an APR equal to the Prime Rate plus 21.99%." Monthly Payment-Minimum Amount Due (Effective with billing periods ending In June 2004) We are changing the calculation of the Minimum Amount Due on your Account. In some cases, as described below, we will increase the MINIM= Amount Due by $15. Accordingly, we are replacing the third paragraph of your Agreement entitled Billing Statements/Minimum Amount Due with the following: 'Each billing statement will reflect a Minimum Amount Due. Payment is due by the time and date shown and in the manner prescribed on the statement. To calculate the Minimum Amount Due we will add together the following: (1) any amount past due; (2) the greatest of: a) 1/50th of the New Balance on the Closing Date of the bllkng statement (the calculation of which is rounded to the nearest whole dollar) (for purposes of this calculation we exclude from the New Balance any over-emit fee added to your Account during the billing period), b) the current billed Finance Charges, or e) $15 (or the New Balance if it is less than $15); and (3) any over-limit fee added to your Account during the biting period. If the greatest of the three calculations in section (2) above is the current billed Finance Charges, then we will add $15to the calculation of the Minimum Amount Due. At our option, we may also include in the Minimum Amount Due all or part of other fees incurred during the takrig period and any part of the New Balance in excess of your credit line. The Minimum Amount Due will not exceed the New Balance. You may pay more than the Minimum Amount Due, up to the entire outstanding balance, at any time' Other Important Information About Your Account Annual EFT Error Resolution Notice This notice is to inform you about how you should notify us of errors or questions regarding any electronic fund transfers you initiate using your American Express Card or electronic payments you make to American Express using Pay By Phone, Pay By Computer, or any other American Express electronic payment service. In case of errors or questions about your Electronic Transfers, please telephone us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer questions, and at 1-800-CASH-NOW for Express Cash and Automatic Payment questions. AltematNely, you may write to us at the Express Cash Operations address indicated on your biting statement or E-mail us by clicking on the Customer Service Link online at wvnv.americanexpress.com. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared or question arose. When you contact us, please provide the following Information: (1) Tell us your name and account number. (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the date and dollar amount of the suspected error. If you ten us orally, we may require that you send us your complaint or question in writing within 10 business days of the call. We will determine whether an error occurred within 10 business days and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide we need up to 45 days, we will credit your account within 10 business days for the amount you think Is in error, so that you will have the use of the money during the time it takes us to complete our Investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. BP/OP5FYI/0304 EFTA01726728 DUPLICATE COPY &roan timber 044 Page 11 of 12 Min 03/16104 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: The Small Business Network'' from American Express. This Notice explains how we collect and safeguard information about you and how to tell us your opt out choices. In this Notice, American Express Travel Related Services Company, Inc., American Express Centurion Bank, and American Express Bank, FSB are called 'American Express,' "we,"our," and "us." The cards and accounts that we issue arecalled '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 relevant We use Cardmember Information in connection with and valuable to you. If you respond to one of these delivering products and services to you. To do this it is offers, the other company will know certain information often necessary to share it with our Affiliates and other about you, such as your name, that you are a companies we work with. These include companies that Cardmember, and that you met the qualifications manage Card accounts, offer affinity, frequent-user, and established for the offer. reward programs, companies that perform marketing services and other business operations for us, and Your choice: You may opt out from receiving these companies whose products or services are provided as offers by calling us at 800-297-8378 or by filling out a benefit of your Card account We may also share the attached form and returning it to the address on Cardmember Information with other financial the form. You may also include the form with your regular payment. Please Note: You may receive additional privacy notices that provide information and different opt out choices for other Card accounts that are applicable only to those accounts. Please complete this form if you choose to opt out and wish to mail your response rather If you do not than use the toll-free number, which is 800-297-8378. If you have already given us your choices, have a payment you don't need to respond unless you want to change your choices. Return this form to American envelope, mall Express along with your payment coupon using the payment envelope enclosed with your your response to: statement American Offers for Products and Services of Offers for American Express Products Express Other Companies and Services Cardmember Information O Do not send me offers for products and ❑ Mail: Do not mail me offers for American Services services of other companies. Express products and services. P.O. Box 299836 Credit Information Provided to O Telephone Offers: Do not contact me by Ft. Lauderdale Our Affiliates telephone to otter me products and services. FL 33329-9836 Do not share credit-related Information about me (except as described in this Notice) with American Express Affiliates. MU/1LE/0304 FDR 706671 T5047 EFTA01726729 DUPLICATE COPY Page 12 of 12 Offers for American Express Products and Services E-Mail Offers We may send you e-mail offers for our products Mall Offers and services, and those of our Affiliates and other We may mail you offers for American Express products companies we work with. We don't share e-mail and services. addresses with other companies for them to market Your choice: To opt out from receiving these 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 otters, enter your preferences at the 'Set E-Mail include the form with your regular payment. Preferences' page of our Internet Privacy Statement at Telephone Offers www.americanexpress.com/preferences. We may contact you by telephone about our products Additional Information About Your Opt Out Choices and services or those that we offer with our business If you are the primary Cardmember on your Card partners. account, your opt out choices will also apply to any Your choice: To opt out from receiving telephone other Cardmembers on your Card account. If you opt offers, call us at 800-297-8378 or fill out the attached out, we may still include notices and information about form 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 financial advisors, publishers, Information Security insurers, and travelers cheques Issuers. American We take commercially reasonable physical, electronic Express Travel Related Services Company, Inc., and and procedural steps to help safeguard Cardmember American Express Centurion Bank, and American Information. Express Bank, FSB are Affiliates of each other. We may Former Customers disclose certain Cardmember Information to our If you cancel your Card, or your Card account(s) Affiliates to provide services for your Card account and are closed, we will continue to treat and safeguard to develop and send you offers for their products and Cardmember Information about you as described in services. We are permitted by law to share with our this Notice. Affiliates information about our transactions and experiences with you, such as your payment history. For Vermont Cardmembers Only But you can opt out of our sharing with our Affiliates If your Card account has a Vermont billing address, other credikelated information (such as your credit we will automatically treat your account as if you had history as shown on a consumer report). checked the lower-left hand box on the attached opt out form. We may share your name and contact Your Choice: information, and information about our transactions or To opt out from our sharing credit-related information experiences with you, with financial institutions with with our Affiliates (except as permitted by law) call us at whom we Jointly offer financial products and services 800-2974378 or fin out the attached form and return it and with our Affiliates. This Notice describes opt out to the address on the form. You may also indude the choices about certain other uses of Cardmember form with your regular payment. Information. MU/ILE/0304 FDR 706671 T5047 EFTA01726730 DUPLICATE COPY Optima® from American Express Account Nunbet Oceing0ok, 04/15/04 Page 1 of 8 New Adrily$ Achtenerts ced Minimum Payment Due Date Proviouo Ranee $ Pelmentk$M$ Force Charge, d any New ewers $ Amount Dees 05/10/04 6,544.33 -200.00 +32.03 =6,376.36 128.00 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary line $ Line $ Limit $ Limit $ on 04/15/04 9,800.00 3,424.00 8,100.00 3,424.00 Minimum payment due by payment due date. Pay your bill online anytime, anywhere at www.americanexpress.com/paybIll. Your cash advance limit Is $8,100.00. Available balance for new cash advance transactions is $3,424.00. Contact us at www.americanexpress.com or call Customer Service at 1.800.635-5955. Sign Up for Account Alerts from American Express Get important information pertaining to your Account delivered to you--whenever and wherever you want. With Account Alerts from American Express, you can choose to be notified when your payment is due or when it is received, when irregular account activity is detected or when you are approaching your line of credit/spending limit. Alerts can be sent to your e-mail address, mobile phone, pager or PDA. Visit www.americanexpress.com/alerts. Activity ndcafk"elina Amount S 411fl 'AVOIRONSVRIiPSYAMAMV, 2200,41% Anent S 04/15/04 Periodic FINANCE CHARGE 32.03 Total of New Activity 32.03 Pt•-no fed on Ws cerfo:Wor belts; cletath era NeXT, w311 your pigment Continued on Page 3 Payment Due Date: Please enter accomt Payment Coupon SIM 05/10/04 number on all checks and correspondence. Total New Balance To avoid additional $ 6,376.36 Finance Charges on Purchases, pay New Balance before Payment Minimum Amount Due Due Date. $128.00 GER dIANT WN MD 20876-5960 Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to all of Amount enclosed your Card Accounts except any Corporate Card Mail Payment to: AMERICAN EXPRESS Accounts you have. PO BOX 360002 FT LAUDERDALE FL 33396-0002 n I 000637636000012800 16rirl EFTA01726731 DUPLICATE COPY Min Amorist Nsrox• XXXX-XXXX) Page 2 of 8 Payments: Payments received after 12.00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Centurion Bank or American Express Bank, FS8), in the enclosed envelope with the remittance stub attached aid account number listed on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other farm or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments, To Pay By Phone by transmitting the amount of the check, routing number, account number and check serial number to your financial 1.800.472.9297 institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot ()Sleet the funds electronically at first presentment, we may issue a daft against your account for the amount Customer Service of the check. Authorization for Electronic Payments:By using, the American Express Pay By Computer, 1.800-635-5955 Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express 24 hours/7 days to initiate an electronic debit to the financial account you specify In the amount you request. To use Pay By Computer, please visit us at iwnv.americanexpressoom. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. International Collect Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. 1.336.393.1111 Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying Hearing Impaired the daily periodic rate to the Average Daily Balance (as desaibed below) for each feature (such as Purchase, Gash (9an1-5pm, EST) Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily TTY: 1.100.221.9950 Balance for each feature, we (1) take the begnning balance for the feature each day (including unpaid FC from previous FAX: 1-800695.9090 billing periods), (2) add any new transactions, debits, or fees, (3) subtractany payments or credits, and (4) make any In NY: 1-800-552-1897 appropriate adjustments. For each day after the first day or the billing period, we also add en amount of Interest equal to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beemniat balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the d balances for the feature for the biling period and dvide the total by the number of days in the billing period. This gives us tthe Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if ypu Correspondence paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the Oiling period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused ppvv Customer Service roaming. The total FC for the biding period is calculated by adding the FC assessed on all features of the Account. 71(s 777 American method- of calculating the Average Daily Balance and PC resufts In daily compounding of FC. The minimum Expressway FC for any billingfericdin which FC are im_posed la $0.50. Ft. Lauderdale, FL Billing Riahts umm. iv: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if n 1137-0001 you need more information about a transaction en your bin, write us on a separate sheet of paper at the address notedto the right. Womust hear from you no later than 60 days after we sent you the FIRST bill on which the error or problem appeared. Funds Access Services You can telephone us at thenumber indicated on the front of this statement, but doing so MI not preserve your rights. P.O. Box 53809 In your letter, give us the following information: 1. Your name and account number; 2. The dollar amount of the Phoenix, AZ suspected error; 3. Describe 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 stil obligated to pay 85072-3809 the pacts of your bal that are not in question. While we investigate your question, we cannot report you as delinquent °flake Payments any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings PO BOX 360002 or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must FT LAUDERDALE reach us three business days before the automatic payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem wAh the quakty of goods or services that you purchased with a credit card, and you have FL tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount duo on the 33336-0002 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 lilies of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all mrchases are covered regardless of amount or location of the purchase.) In Case of Errors or Questions About Your Electronic Transfers: Pease contact us by clicking on the Customer Service Link ontne at www.americaneveess.com, or you can cal us at I.800-IPAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOWfor Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you we unsure of, & explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & correct any error prompthi. If we take more than 10 business days to do this, we will sect your account for the amount you think is in error,so that you will have use of the money during the time It takes us to complete ourInvestigation. Credit Balance: If a credit balance (designated 'CR") is shown on this statement, it represents money owed to you. You may make charges against the credit balance or request a refund. If you 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 indicating the credit balance, issue a check to you for the credit balance in your account if the amount is $1.00 or more. Creditor: American Express Centurion Bank or American Express Bank, FSB. New York residents may contact the New York Banking_ Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Change of Address !crated on trent do not use Nano Carious Name Street Address Pty. Shag r Lit COO Providing your email Area 0:0, ink address to American Homo Phone Express willenable you Area Coco and to receivespecialoffers, immol Work Phone suited to your needs. EFTA01726732 DUPLICATE COPY memoNuttier Claim Omo Page 3 of 8 )O=4OOOO.. 04/15/04 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Biting days this period: 30 Balance $ Periodc Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 25897 0.0246% 8.99% 8.99% 1.91 Cash Advances 0.C° 0.0520% 0.00% 18.99% 0.00 Check/Balance Transfer 6,197.59 0.0162% 5.90% 5.90% 30.12 32.03 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rale identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in cited. EFTA01726733 DUPLICATE COPY Pr Cd Poi Page 4 of 8 Voototal EFTA01726734 MembeNfiliCii@MiWas Options - Monthly Statement and Page 5 of 8 Program News ‘ rn r rr Fr Pr. .re For questions about your Statement Period hianittERSHiy:. Membership Rewards account, February 1, 2004 - February 29, 2004 contact Account activity after this period does not appear cn this statement F4 A. 1-800-AXP-EARN es?, (297-3276) Available Points vvw.americanexpress.com/rewards 1,575 American Express Membership Rewards PO Box 2978t3 Points are available when charges are paid in full and all your accounts are in Ft. Lauderdale, FL 33329.9785 good standing. Account Summary Opening points balance 1,575 New points earned 0 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 1,575 New Points Earned 02/01/04 02/29/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 Totals 0 0 0 Idantersted Rceeares Cpt<na pans earned may be tank-trod a reddened = Icon at all enrolltd Card aXtuY3 are in goad ranting. Point becalmed a 0:decried canal be reversed beck Idol* program. Forfeited points can be reinstated for a fee by calling the number premed below. Elpble Cat, ohms. are culfred in tot Identersh'p Reentds Opecen proaram Terms and Cordams in sow Peron* I:towards Opices Colon. I you have panacea. Mene vice wwwarnerIcanexpsetsconstrembenshiprewardsoptIons a cal I.CCOAXMEMIN (2974196). Fran *OHela. ea collect SOS-8164790. Earn More! New ways to earn points. Important Notice of Membership Rewards® Program Changes Aioriires Effective May 1, 2004, eligible Cardmembers will no longer (MR Message 6195) 4 mainefleAlt accrue two Membership Rewards points for virtually every dollar charged at standalone hardware and home Improvement stores. Instead, Cardmembers will accrue one point for every dollar charged at such stores. Propran champs an* my to Plenum Gwen t, Goa. Focknod Rewards Green b Gad Rewards Plus Gold. Mann Can®. Canino-4a Cpl. Cited Fontein,. ONE Finarcial Account Plalsysn Card. Platicen Finanatal Serv'tet Caµ Fds'sy American Frpten Gen. Gold and Pta&nn Cards. Efate Geed:Porters all contrast 10hactue Iwo poen ke non data( ctvgid in Ine US. al quaffed stsoMme staxemarkena. druanates. pets elidMos. the 11S Pon* SAti•CO, Ard tot •*as% phase m permits. DAgm:Wes ci %Mass One ecciue trey coo pont par dolor. Redeem Membership Rewards® Points for a New LG Microwave American Eiptras• LG, one of the world's leading manufacturer of microwave To redeem, visit ovens, would like to introduce the first Combination www.amoricanexpross. comirewards or call Microwave Oven and Toaster for 23,000 points. This item 1.800-AXP-EARN comes in Stainless Steel and features a .9 CU FT oven (297-3276). capacity, 900 watt microwave, and 800 watt toaster with 9 (MR Mesage 8028) browning levels.(PRM342) 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. EFTA01726735 American Erhrersa IIIMIIIFATE COPY • err Hunter Page 6 of 8 Earn 10z Points from FTD.COM® This Mother's Day! Find the perfect way to show how much you care this Shop at www.ftd.com' Mother's Day with FTD.COM. Choose from floral amexpromo this Mother's Day. arrangements hand delivered by an FTDe Florist. Or, send gourmet chocolates, relaxing spa sets and more! Shop (Bonus ID 1675) online and earn 10x points at www.ftd.com/amexpromo. Cam yard on wawa% tom ulwaltd.ecnhanwrprocno through 12/31/01. Cannot be =tiled will any other caws or spota] promotions. Not vad on Disney. produrra. To b. stage for bones pan's. you mat be enraed in the Warrberrh'p ReNdidtg yeomen al the ant of pucka awrichsge your prochzo to an ekarte.enrcikl Armies,Forrest. Card. &nue poita aro credtd to your secure %Win 1042 worrks ewer charges eepato on your biro delornent Bonn ID: 1675. Double Points for Mother's Day at Elizabeth Arden Buy your Mother's Day gift certicates early or treat yourself Call 1.800.99ARDEN or with a spa package from Elizabeth Arden Red Door Salons. visit www.reddoor I Elizabeth. Arden salons.com. Earn double points from April 10th to May 10th on any red door salon & spa purchase of $150 or more online or in a Red Door Salon. (Bonus ID 9788) Sono Agars only walla* at partspalirg Red Door Saco koaSonis end for Oar* troncedbos, not old al any Red Deco Sakes WNW uithin depatwont seen. Paned Dar gai cotes waoAwed coin, ore eigkela knows points and may be toed at any Rod Door Arca GM oertfoates put wish deparhnont saxes r. istigtte for bonus pant. Otter va:d from Apt 10h May 105: X01.Stanaord en/anent term apply. Beata ID: 97161. Redeem Points for Dell Home System Certificates Drou: Dell-makers of some of America's favorite PCs-allows you to To order your Dell create your own personalized system and save hundreds of certificates, visit vivnv.americanexpress. dollars at the same time. Just redeem points for a Dell Home corn/rewards or call System Certificate and use it toward any Dell Inspirone 1.800-AXP-EARN notebook or Dimension® desktop at www.dell4me.com. (297-3276). Then redeem Diueounb good on new ,,clauses ay through Dee Horne Systems Co. Del busies. saes dvisiore vet your offer by calling net nova Flontershg Reaurolv6 cengeares. Certitudes card be rand Mint 1-888-686-3355 today! (MR Message 0488) Roy' s Membership Rewards® Certificates Enjoy delicious dishes from Roy's award-winning menu. To redeem points visit Founded by James Beard award winner Chef Roy www.amertcanexpress. corn/rewards or call Yamaguchi, Roy's has become well known throughout the 1-800-AXP-EARN world for its innovative Hawaiian Fusion Cuisine--the freshest (297-3276). local ingredients, European sauces, bold Asian spices with a focus on fresh seafood. Redeem Membership Rewards (MR Message 4211) points for a $50, $100, or $200 certificate good toward your dining experience at Roy's. To find the nearest Roy's location, visit www.roysrestaurant.com. Use GlobalPass Miles Toward Flights on Over 500 Airlines GlobalPass now otters you the unique ability to use points as To redeem, go to cash on over 500 airlines worldwide! Simply transfer americanexpress.comr rewards or call Membership Rewards® points to GlobalPass and use 1-800-Axe-EARN GlobalPass Miles to purchase a SuperAwards'" ticket on (297-3276) www.globalpass.com on any scheduled flight worldwide on over 500 airlines. 1,000 Membership Rewards points equals (MR Message 6341) 1,000 GlobalPass Miles. 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. EFTA01726736 DUPLICATE COPY ACCO.Ilt Nat. Claim Date Page 7 of 8 XXXX-XXXX) 04/15/04 CustornExtrar ItIWPs*" .• Act nowt Call Get Started Today! 1.800.297.8800 to open Open an American Express ONE® Financial Account* now and start an account or visit making the most of all your finances. WWW.amerlesnexpress. What is ONE? ONE is a brokerage account with banking features that com/onefinancial for more information. If you gives you access to a full array of products and services--including speak to a customer the ONE High-Yield Savings Account, a complimentary American service representative or .•. nanclal Express® Gold Card, and professional financial advice to help you enroll online, use the Advisor meet your goals. It's the ONE account that makes your finances promotion code CSM simpler. (CE 104314) 15,000 minimum account deposit required to open an American Express ONE Financial Account. 8299 Companion Ticket from Alitalia with the Card Tickets must be purchased on or before Celebrate Alitalia's new nonstops from D.C. to Italy. Just purchase a June 30, 2004, so call qualifying round-trip Magnifica Class ticket with your American Malta at 1.800.223.5730 Express® Card by June 30, 2004, from any U.S. gateway (Alitalia or your travel professional operated flights only) to Italy and the rest of Europe, the Middle East, and ask for the American Express $299 Magnifica Gllitalia North Africa or Mumbai and your companion can travel with you for only $299. Visit www.alitallausa.comfax299/ for full offer Terms and Offer. Conditions, and an exclusive offer of a complimentary massage at (CE 104313) Milan's Hotel Principe di Savoie. $100 Statement Credit for Your 2004 Vacation For details on your Cardmember Annual Make your 2004 vacation plans now, and if you qualify, you'll receive Travel Benefit, call a statement credit of $100 with your Cardmember Annual Travel American Express Travel Benefit. A Qualifying Vacation is a purchase offered by a cruise or at 1-866-AXP.6801, or go to vacation package operator through a participating American Express wvew.americanexpress. SCAN AI ESS Travel Services U.S. location of $2,000 or more per booking. Doesn't com/annualtravelbenefit. include independent air/hotel/car rental reservations. (CE 104317) Available once per Card account per year. May only redeem 1 per booking. Terms and Conditions apply. American Express Travel acts solely as sales agent of the travel suppliers and isn't responsible for their actions or inactions. CST 1022318-10, TA-149 registered Ohio travel agency, ML-1192 Washington, UBI 600-469-694. Premium Car Rental Protection You Need at a Price You Want To enroll in Premium Car Rental Protection or to find out more about this Premium Car Rental Protection (PCRP) can help protect you, your passengers, special offer, call us toll- free Monday - Saturday, and belongings when you rent a car. 7am-11pm CST, at 1.800858.5947. Please For just $24.95 per rental, the plan provides primary coverage of up to $100,000 mention code 3Y2. if your rental car is damaged or stolen, accidental death and dismemberment coverage, plus excess coverage for medical expenses and personal property. (CE 104336) The fee is automatically billed each time you par for a rental car from a rental company with your enrolled American Express Card. Certain limitations and restrictions apply. PCRP is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the Terms, Condtlons, and Exclusions of Master Policy AX0456. This program may be modified, terminated, or suspended upon notice to you. Offers aro made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726737 DUPLICATE COPY Account Nurbef Page 8 of 8 XXXX-)OCCa FEE-FREE American Express® Travelers Cheques! To find your nearest American Express Travel As an American Express Cardmember you can purchase FEE-FREE* Services location, call American Express Travelers Cheques and Cheques for Twoe at 1-800-AXP-8347. participating American Express Travel Service locations. Behind every Travelers Cheque is someone who can help in a travel emergency (CE 104335) 24/7--from replacing lost or stolen Cheques, to assistance with Travelers replacing lost credit cards and passports.** Cheques 'Not all services available at all locations. Subject to an local laws and cash availabdity. "Proof of Travelers Cheques purchase may be required. Credit Card Replacement Assistance is for major bank-issued credit cards arxy Fees for passport/credit card replacement are the sole responsibility of the customer. For complete Terms, call 1.800-AXP-8347. 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 104315) Other quality products we offer are address labels, deposit slips, publishing 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. Now Accepting the American Express® Card If there are other places where you would like to NetInsurancr - For homeowners and auto insurance. To learn see the Card accepted, more, visit www.Netlnsurance.com or call 1-866-380-7548. please call the Customer License #0D7318. Service number that is located at the top of your statement or the number that is on the back of your The MarketPro Computer Show and Sale - Save on-faptops, flat Card. screen monitors, color printers, software and hardware. Please visit www.marketproshows.com for a show near youl (CE 104287) New TravelFunds® Card Offer for AARP Members Offer available for AARP members only at: A special offer for AARP members: Receive a complimentary www.aarp.org/amex and emergency travel kit with the purchase of $1,000 or more in enter promotion code TravelFunds Cards from American Express*. It's a prepaid, 101 on the order form. reloadable card that's safer than carrying cash, and isn't linked to (CE 104331) your bank account. If it's lost or stolen, your balance is refunded, usually within 24 hours. Offer also available for purchases of American Express Travelers Cheques and foreign currency. 'Limit one kit per order. For complete Terms and Conditions, visit www.aarp.org/amex and enter promotion code 101. Share Our Strength's Taste of the Nation www.tasteofthenallon. org/amex. American Express is The Official Card of Share Our Strength's Taste of the Nation®, a series of culinary benefits supporting anti-hunger (CE 104318) and anti-poverty efforts. You can help support a worthy cause while enjoying delicious tastes from talented chefs. Every spring, thousands of chefs and restaurateurs donate their product, time and talents at more than 70 events throughout the United States and Canada. To find a Taste of the Nation event near you and purchase regyrittATIglr tickets, visit www.tasteofthenation.org/amex. One-hundred percent of ticket proceeds go towards anti-hunger and anti-poverty programs. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726738 DUPLICATE COPY Optima® E401theitiOhiPitiOlar4*(k ` )M ! is 4vailabte from American Express are paid in S ctlanieS •ake ingood standing, Mccult Morton. owmow 05/15/04 Pagel of 8 Now AMUMS irmAtf ad WOmm Payment Due Date Reyan BaMom S Finance Awry New Salamo S MMOunteuoS Pinned Ac&dy$ 06/09/04 6,376.36 -250.00 +31.04 =6,157.40 123.00 Please refer to page 2 for important information regarding your account Credit Line Total Crelt Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit on 05/15/04 9,800.00 3,643.00 • 8,100.00 3,643.00 Minimum payment due by payment due date. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $3,643.00. Contact us at www.americanexpress.com or call Customer Service at 1.800.635.5955. Get Cash In the U.S. and Internationally 24/7/365 Need some quick Euros for an emergency stop over? Have a Yen for that pottery set? As an Optima® Cardmember, you are automatically enrolled in Express Cash--a service that allows you to get cash in the local currency at over 600,000 locations both in the U.S. and internationally. There's no monthly charge, you pay only for the transactions you make. Call 1-800-CASH-NOW and ask for your Express Cash PIN. All transactions are subject to a 3% or $5.00 fee, whichever is greater, with no maximum. In addition, there is a 1% fee charged for Travelers Cheque transactions. Funds are drawn against cash advance limits, subject to a limit of $1,000-$3,500 every 7 days, and any other limits that banks may impose. Amounts Activity It" Patna da itsffitt::3i0:41059SMIRceiliCetra..;t:4044Wl.4-,,Acartike. • .250.00'1; Amount$ 05/15/04 Periodic FINANCE CHARGE 31.04 Total of New Activity 31.04 + Pomo kid cc the mclemStn below. detach SC tato/no/1h you, pommel 4 Continued on Page 3 Payment Due Date: Please enter account Payment Coupon 06/09/04 number cn all checks arid correspondence. Total New Balance To avoid additional S 6,157.40 Finance Charges on PurchaseS, Pay New Balance before Payment Minimum Amount Due Due Date. $123.00 GERMANTOWN MD 20876-5960 Note any address and/or telephone number change on reverse side. Unless you check here, this I • I change will apply to WI of Amount enclosed your Card Accounts except any Corporate Card Mail Payment to: Accounts you have. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 1111 Mil 1111111 ll 111111II IIIIIIII ll III 000615740000012300 16rirl EFTA01726739 DUPLICATE COPY , NUIlbc: Page 2 of B XXXX•XXX Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remittance stub attached and account number fisted on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments, To Pay By Phone by transmitting the amount of the check, routing number, account number andcheck serial number to your financial 1.800.472.9297 institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot coiled the funds electronically at first presentment, we may issue a draft against your account for the amount Customer Service of the check. Authorization for Electronic Payments:By using, the American Express Pay By Computer, 1.800.635.5955 Pay By Phone or any other American Express electronic payment service you will be authorizing American Express 24 hours/7 days to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at wunv.arnericanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immedately telephone us at the number noted to the right. International Collect Outside the U.S. contact the nearest American Express Travel Service Office circa' any local American Express office. 1.336.393.1111 Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to raindate FC on your Account. Under this method, we figure the FC on your Account by applWng Hearing Impaired the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, (9am-5pm, EST) Advance and Balance Transfer features) of your Account (inducing current transactions). To get the Average Daily TTY: 1.800.221.9950 Balance for each feature, we (1) take the begnning balance for the feature each day (including unpaid FC from previous FAX: 1.800.695.9090 billing periodasii,j(2) add any new transactions, debits,. or fees, (3) subtract any payments or credits, and (4) make any In NY: 1.800.552.1897 appropriate stments. For each day after the first day of the billing period, we also add an amount of interest equ to the previous day's daily balance multiplied by the (ley periodic rete for the feature. • This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. if this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total &y the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that Correspondence statement. If you multiply the Average Daly Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the FC assessedon that feature, except for variations caused by Customer Service rouncfing. The total FC for the baling period is calculated by adding the FC assessed on al features of the Account. This 777 American method of calculating the Average Daily Balance and FC results in daily compounding of FC. The minimum Expressway FC for any billingferiod in which FC are imposed is $0.50. Ft. Lauderdale, FL Billing Riahts 5ummarv: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if 33337-0001 you need moreinormahon about a transaction on your bd,write us on a separate sheet of paper at the address noted to the right. We must hear from you no later than 60days after we sere youths FIRST bill on which the error or problem appeared. Funds Access Services You can telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. . P.O. Box 53809 In your letter, give us the following Information: 1. Your name and account number; 2. The ddlar amount of the Phoenix, AZ suspected error 3. Describe 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 obligated to pay 85072-3809 the parts of your bill that arenot in question. Whirr we investigate yeur question, we cannot report you as delinquent or take Payments any action to collect the amount you question. If you have authonzed us to pay your bill automatically from your savings PO BOX 360002 or checking 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 FT LAUDERDALE Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have FL tried in good faith to correct the problem wth the merchant, you may not have to pay the remaining amount due on the 33336-0002 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 main° address. (If we own or operate the merchant, a if we mailed you the advertisement for the proper y or services,allpurchases are covered regardless of amount or location of the purchase.) In Case of Errors or Questions About Your Electronic Transfers: Pease contact us by clicking en the Customer Service Unk online at vnonv.americanexpress.com, or you can call us at 1.8004PAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days aflame sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the errors the transfer you are unsure of, & explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is 'n error, so that you will have use of the money (kiting the time it takes us to complete our investigation. Credit Balance: If a credit balance (designated "CR" is shown on this statement, it represents money owed to you. You may make charges against the credit balance or request a refund. If you 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 indicating the credit balance, issue a check to you for the credit balance in your account if the amount is $1.00 or more. Creditor: American Express Centurion Bank or American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative fisting of credit card rates, fees and grace periods by calling 1.800.518-8866. Change of Address II correct on I rolg do no use Mans Canpany J 1 _Li I I Nano Street kites, Cry. Stile L f Lp code Prowling your email Area Oxle and address to American Horne Eton. Express will enable you Area Code and to receive special offers, Work Phone suited to your needs. Email EFTA01726740 DUPLICATE COPY Pocounl Numb. Closig Dale Page 3°18 )OOO(-XXXa 05/15(04 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Bang days this period: 30 Relate Pericxfic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 260.89 0.0246% 8.99% 8.99% 1.93 Cash Advances 9.00 0.0520% 0.00% 18.99% 0.00 Check/Balance Transfer 5888.93 0.0162% 5.90% 5.90% 29.11 31.00 Certain of the periodic rates and APRs above may be variable. Those rates may vary.. based upon the prime rate identified in the Wall Street Journal, as deserted in your Cardmember Agreement as currently in effect EFTA01726741 DUPLICATE COPY 'AVMa Pape 4 of 8 EFTA01726742 MembeNfittfiaffifrels Options` Monthly Statement and Page 5 of 8 Program News For questions about your Statement Period Membership Rewards account, contact March 1, 2004 - March 31, 2004 Account activity after this period does not appear on this statement 1‘800-AXP-EARN (297-3276) wvAv.americanexpress.com/rewards American Express Membership Rewards PO Box 297813 Mia Available Points Points are available when charges are paid in full and all your accounts are in 1,575 Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 1,575 New points earned 0 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 1,575 New Points Earned 03101/04 03/31/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 Totals 0 0 0 Membership Rewards Opticfic pcinb raked may be banskrred or r Jet as tang ea SI ereOW Card atom% me in good stardeg. Points transferred et redeemed cams, be reamed bock into the peogran. Forfeited points can be reinkated form., by calling the number provided below. Bubb CaecaMare are waned ei the Member:bp Rewavis Opticps proararn Terns rd Genitors in yorr frenterallo Rewards CpSors Gude. II you have omelet% please vet veww.ameticanexptestsconVanembeeshIptewardsopHons cc eat 1400-AXP•EARN (297.3276) Fran ovate" cell cokes 2O581e.2799. Earn More! New ways to earn points. Important Notice of Membership Rewards® Program Changes Aal Ai?''"s!w'Ea ' giike Effective May 1, 2004, eligible Cardmembers will no longer (MR Message 6195). accrue two Membership Rewards points for virtually every dollar charged at stand-alone hardware and home improvement stores. Instead, Cardmembers will accrue one point for every dollar charged at such stores. Program enamel mph, *nil b Reword Orem a Gckt Preferred Rewards &eft a Gail Pe cat's Pan Gott Pbenun Cart/S, Ceothent Card. God Financial. Finarcid Aorounl Flabmin Card. Mikan Finartiat SerrPes Cart Faellyeerarkan Express. Grows Gold and Platinun Cards. Sokle Cavarenesets wit amino lo astrue two pante kr Mry dollar charged in to U.S. al quelled staroa:one suPermartrata. Mralterea. on Pater*, the U.S. Postal Service. ad be verdure phone M payments. Buts RaCrases captains me dpaue 000 one pent per dot/. 10x Points Plus the Perfect Gift at GiftSense.com Gift Sense'" online shopping provides smart ideas and Earn 10X points at www.gittsensocomf answers for every gift-giving need this Spring—all in one Gift r. amexmrl everyday and all convenient place—plus you can earn 10x Membership year. Rewards® points! A trusted partner of FTD.COM®, Sense www.GiftSense.com otters quality products, dependable delivery, secure transactions and guaranteed satisfaction. (MR Message 5287) Epires 12/3IC4. Net valid P Mal axe; or weds cake dam. Picot, peke stades sliming. To earn bonus pets. yrer must be emoted in IM tnin Reminds pagans at the tined purchase. and Check cu. purchase to an 01gib4e. noted Arnerkui Euntr.s. Card. Bonus mkt win be credited to yore antoun: wain ICS 12 weeks. &ran O:5842. 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. EFTA01726743 American Ex ress• isi liiikrATE COPY MerrtectripRewards9 Account Nurrter Page 6 of 8 Introducing a Nike Golf Exclusive Nike Golf would like to introduce the Tiger Woods package Redeem now at for 55,000 Membership Rewards® points (NIKE20). This www.americanexpress. comireviards or call N I K E GOL exclusive package features the Nike Ignite Driver, a dozen 1.800-AXP-EARN Nike One Golf Balls and The Upper Deck Tiger Woods (297-3276) special collectible tin trading card set. This offer is only available while quantities last. (MR Message 4221) Attend Golf School at Hilton Head! Experience world-class golf instruction from Goff Academy of To redeem Membership Hilton Head at Sea Pines. Redeem Membership Rewards® Rewards points visit, www.americanexpress. gloacIPAY points for golf instruction from Class A PGA professionals! School sessions include instruction, personalized comFrewanis cr call atSeaPines improvement manual, lunch, and more. Schedule a one-day 1.800-AXP-EARN (297-3276). golf school for 50,000 Membership Rewards points, a two- (MR Message 4172) day golf school for 100,000 points or a three-day golf school for 175,000 points. Please call 1-843-785-4540 or visit www.golfacademy.net for more information. Go to Space with Membership Rowards®Points! Space Adventures, the world's leading space tourism To redeem points, visit www.americanexpress. company, offers a wide range of luxury adventures including comfrewards or call zero-gravity, edge of space and sub-orbital flights. 1-800-AXP-EARN Experience the feeling of weightlessness or see the curvature (297.3276). of the Earth while traveling at twice the speed of sound. Redeem Membership Rewards® points to use toward these (MR Message 5209) amazing flight expenences. For more details, visit www.spaceadventures.com or call 1-888-85-SPACE (77223). Celebrate Summer with Smith & Hawken Discover the best in outdoor entertaining at Smith & Hawken. To redeem points for a From Premium Tear furniture to the Backyard Firepir to 850,8100, or $200 Smith Hawken Gift Card, go to Smith&Hawke) all the plants, containers and garden structure needed to www.americanexpress. create the garden room of your dreams, you'll find a wealth corn/rewards or call of products ideal for outdoor living. For store locations or to 1-800-AXP-EARN request a catalog, call 1-888-883.3725. Or visit us at (297-3276). SmlthandHawken.com (MR Message 6433) Ionic Breeze® - the Most Trusted Air Purifier! Redeem Membership Rewards® points and realize the To redeem Membership THE benefits of reduced allergens and dust with a Sharper Image Rewards° points for Shaper Image items, visit SHARPER Ionic Breeze® Quadra® Silent Air Purifier. The best-selling Ionic Breeze® offers silent operation, efficient air cleaning www.americanexpress. comirewards or 1.800-AXP-EARN IMAGE' and odor reduction, as well as no replacement fitters, low energy use and 247 air cleaning in every room. (297-3276) (MR Message 4047) 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. EFTA01726744 DUPLICATE COPY AzA.NAM Nterixtr aowng off. Page 7 of 8 X X XX- 05/15/04 CustomEyctrar Affordable Australia with American Express Travel To plan your vacation and for details on additional For those who long to take home more from a vacation than pictures Australia offers, call and souvenirs, American Express Travel is offering 8-night air and American Express Travel hotel vacations to Sydney and the Great Barrier Reef from $1,519 per at 1.800-AXP-6989. CST person from Los Angeles. Call American Express Travel at #102231840, TA-149 registered Ohio travel 1-800-AXP-6989 to find out how 8 nights can change your life. agency, ML-1192, Travel Washington UBI Rates USD, based on double occupancy, lowest hotelarroom categories, Monday - 4600-469-694. PROMO Wednesday LAX departures. Travel 4/28-6/19 or 7/21.8/28/04. Rates available for other CODE: C7560001. dates/hotels/air gateways. Add $35 for each Thur-Sun trans-Pacific flight. Seats limited and (CE 104401) may not be available on every flight. Hotels subject to availability. U.S./foreign taxes of approximately $180, including September 11th Security Fee and $5 PFC, additional. Change, cancellation and other restrictions apply. Holland America Line Offer from American Express Travel Call American Express navel at 1-888-UP-0066 to book nowl Book a Holland America Line cruise with American Express Travel between April 19 and June 30, 2004, and receive a complimentary 2-Category Upgrade Promo Code C8730001. OR up to $100 per person Shipboard Credit. (CE 104435) HallividArrefica tar A 7.41‘.. d PadaliAt 2-Category Upgrade offer is available with the purchase of an outside stateroom only. Shipboard Credit offer is available in the following amounts: $50 per person 7- to 11-day cruises, $100 per person 12+ day cruises, with the purchase of a deluxe stateroom or higher (excluding A-BB on Vista Class ships). Upgrade and Shipboard Credit offers are valid on new bookings only for select 2004 and 2005 sailings. Offers are not combinable, are subject to availability and may be modified, withdrawn or sailing dates may be substituted without prior notice. Additional Terms and Condtions apply. American Express acts solely as the sales agent for travel suppliers and is not liable for the actions or inactions of such suppliers. CST# 1-22318-10, TA-149 Reg tered Ohio Travel Agency, Washington UBI# 600-469-694, Mit 1192 Online Statements - A Flexible Advantage Sign up today at www.amerIcanexpress. Switch to online statements at www.americanexpress.com/ comicardestatement. cardestatement for instant, hands-on access to your account information whenever you want. There's no need to wait for a paper (CE 104403) statement to arrive in the mail. Plus, your statements are printable, downloadable and archived. For added control, we'll send you an e-mail notification to let you know your statement is ready for viewing online. Now Accepting the American Expresso Card! If there are other places where you would like to Stonebridge Life - Need financial security for your family? Check out see the Card accepted, what Stonebridge Life can do for you. Call 1-800-362-6900 or visit please call the Customer www.takingcarelifia.com. Service number that is located at the top of your statement or the number Murano Steak and Seafood House - Waterfront restaurant with a full that is on the back of your lunch and dinner menu located at 1110 Beech Dr. in Baltimore, Card. MD. 410-238-0080. (CE 104367) The Mt. Washington Bike Shop - Offering a full range of bikes, accessories and service. Located at 5813 Falls Rd. in Mt. Washington. www.mtwashingtonbikes.com. 410-323-2788. 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. EFTA01726745 DUPLICATE COPY ACCO.rd Nut Page 8 of 8 )0Ca-)000a Give American Express Gift Cheques® Today! To find your nearest American ExpressTravel Give American Express Gift Cheques for any occasion—Father's Services locations, call Day, weddings, birthdays, graduations or even just to say "thank 1.888-AXP-0084. you." Unlike store gift cards or certificates, American Express Gift Cheques& have no expiration date and are available in a variety of (CE 104421) prepaid denominations.* Gift Cheques come elegantly wrapped in a gold envelope and you can include your own personalized message. Gift Cheques are available for purchase at participating American Express Travel Services locations. Ask for them today! 'Denominations are available in $25, $50 and $100. For complete Terms and Conditions, call 1-877-AXP-GIFT. Gift Cheques are available for purchase at participating American Express Travel Services locations using your American Express* Card. Carry the TravelFunds® Card from American Express TravelFunds Card from American Express is Whenever you travel, consider taking the prepaid, reloadable accepted at millions of TravelFunds Card from American Express—instead of cash or debit places that accept cards. It's safer than cash and is a convenient way to carry money American Express. while you travel. Unlike debit cards, it's not linked to your bank Purchase yours today at www.americanexpress. account and you'll have access to valuable travel services such as comlbuytfc or by ceiling passport/credit card replacement assistance.* 1.888-412.6945. Proof of TravelFunds Card purchase may be required. Credit card replacement assistance (CE 104424) is for major bank-issued a-edt cards only (not retail store, gasoline, calling cards, etc.). 'Fees for passport/credit card replacement are the sole responsibility of the customer. ATM fees apply. For complete Terms, visit vonv.amerIcanexpress.com/buytfc or call 1-888-412-6945. Get Started Today! Act now! Call 1-800-297-5300 to Open an American Express ONE& Financial Account* now and start open an account or visit making the most of all your finances. What Is ONE? ONE Is a www.americanexpress. brokerage account with banking features that gives you access to a cornionefinanclal for ESS kill array of products and services--including the ONE High-Yield more information. If you speak to a customer Savings Account, the complimentary American Express& Gold Card, representative or enroll Inanclal and professional financial advice to help you meet your goals. online, use the promotion Advicor code CSM: It's the ONE account that can make your finances simpler. (CE 104397) '$5,000 minimum account deposit required to open an American Express ONE Financial Account. Simplified, Convenient Access to Your Accounts Register with Financial Accounts today at Financial Accounts is an easy-to-use service that allows you to view www.americanexpress. your consolidated financial information online. To date, more than corn. Bo suro to soled 170,000 users have already registered. You'll have the ability to view Financial Accounts in the all your registered accounts, such as investment, Card, Bank and drop down log-in box. If you have questions or Workplace 401(K) accounts. You can even add non-American need help with Express accounts! A recently added feature allows money to be registration, please call transferred from a bank account directly into your investment toll-free 1.800.315.3460. accounts. Financial Accounts is convenient and current. You'll have (CE 104415) access to your Information when you want it and all with just one user ID and password. And, account information is updated daily so the most current account values are always displayed. Mortgage Rates Are Still Low! Contact us today! Call 1-800-AXP-1008 or visit If you're looking to buy a home or to refinance your current mortgage, www.americanexpress. American Express Mortgages* can save you hundreds of dollars a com/mortgages. month in mortgage payments. The application is easy to complete Use offer code C74. and most loan decisions are made in minutes—and with mortgage (CE 104416) rates near all-time lows, the time to purchase or refinance is now! CAM 'Mortgage loans are provided by American Express Bank, FSB, an FDIC-insured federal savings bank. American Express Bank, FSB, is an American Express company and an Equal Housing Lender. 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. EFTA01726746 DUPLICATE COPY Optima® from American Express Atccurt Nutter aceirg Dale 06/15/04 Page 1 of 6 Now Aclivly Minimum Payment Due Date Relief:Mamma Pavrient Finkrico k r ar hagotn New Sacco, $ Amount Due S 07/10/04 6,157.40 -250.00 +30.86 =5,938.26 119.00 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Une $ line $ Limit $ Limit $ on 06/15/04 9,800.00 3,862.00 8,100.00 3,862.00 Minimum payment due by payment due date. Remember, you can pay your bill online anytime, anywhere at www.americanexpress.com/paybill. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $3,862.00. Contact us at www.americanexpress.com or call Customer Service at 1.800-635-5955. Activity "°U'"Pang' ArnounIS 0819Pget., PAYMENT RptivErt.THANKActageweiv:iracpp.m ki, 250 00t;. ArnounIS 06/15/04 Periodic FINANCE CHARGE 30.86 Total of New Activity 30.86 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this period: 31 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 262.86 0.0246% 8.99% 8.99% 2.00 Cash Advances 0.00 0.0520% 0.00% 18.99% 0.00 Check/Balance Transfer 5,746.71 0.0162% 5.90% 5.90% 28.86 30.86 Certain of the pericdc rates end APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. Pkase foci on he pedo*ioo NOM. <with era return won you lawmen, I Payment Due Date: Please enter account Payment Coupon 07/10/04 number on all checks and correspondence. Total New Balance To avoid additional $ 5,938.26 Finance Charges on Purchases, pay New Minimum Amount Due Balance before Payment Due Date. $119.00 GERMANTOWN MD 20876 - 5960 • Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to all of Amount enclosed you Card Accounts except any Corporate Card Mail Payment to: Accounts you have. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 000593826000011900 . 16tirl EFTA01726747 DUPLICATE COPY Mewl Number Page 2 of 6 XXXX-XXXX) Payments: Payments received after 12:00 noon or on weekends or hofidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line 01 Credit check issued by Amercan Express Centurion Bank or American Express Bank, FSB) in the enclosed envelope with the remittance stub attached and account number listed cn the check Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a defay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentme To Pay By Phone by transmitting the amount of the check, routing number, account number and check serial number to your finanaal 1.800.472.9297 institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account for the amount Customer Service of the check. Authorization for Electronic Payments:By using. the American Express Pay By Computer, 1-800.635-5955 Pay By Phone or any other American Express electronic payment service, you will be authorizing Amencan Express 24 hours/7 days to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, deasevisitus at vomv.arnericanexpress.com. International Collect Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S.contact tho nearest American Express Travel Service Office or call any local American Express office. 1.336393.1111 Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the PC on your Account by applying Hearing lmpaied the daily periodic rate to the Average Daily Balance (as described belOw) kir each feature ((such as Purchase, Cash (9am-5pm, EST) Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily TTY: 1.800.221.9950 Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous FAX: 1-800-695-9090 billing periods), (2) add any new transactions, debits, or fees, (3) subtract any payments or credits, and (4) make any In NY: 1-800-552-1897 appropriate adustrnents. For each day eller the first day of the billing period, we also add en amount of interest equal to the previous day's daffy balance multiplied daily periodic reds for the feature. This gives us the daily balance for the feature for that day and theb eig beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you Correspondence paid the New Balance if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for hat feature, the result will be the FC assessed on that feature, except for variations caused bbyy Customer Service rouncing. The total FC for the baling period is calculated by adding the FC assessed on all features of the Account. This 777 American method of calculating the Average Daily Balance end FC results in daily compounding of Fa The minimum Expressway FC for any biting periodIn which FC are Imposedis $0.50. Ft. Lauderdale, FL Billina Rlahts Summary: In Case of Errors or Ouestions About Your Bill: If you think your till is incorrect, or if 33337-0001 you need more information about a transaction on your bill,write us on a separate sheet of paper at the 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. Funds Access Services You can telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. P.O. Box 53809 In your letter, give us the following Information: 1. Your name.and account number; 2. The dollar amount of the Phoenix, AZ suspected error' 3. Describe why you believe there is an error. If you need more intommtion, describe the item you are 85072-3809 unsure about. You do not have to pay any amount in question while we are investigating, but you are still °bleated to pay the earls of your bill that are not in question. While we investigate yore question, we cannot report you as delinquent or tako Payments any action to collect the amount you question. If you have authorizedus to pay your bill automaticOy from your savings PO BOX 360002 or checking account, yCU can stop the payment on any amount you think is wrong. To stop the payment, your letter must FT LAUDERDALE reach us three business days before the automatic payment is scheduled to occur. Special Rule For Credit Card FL Purchases: If you have a problem with the quality of goods or services that yOu purchasedwith 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 33336-0002 goods or services. You have this protection onlywhen 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 fcr the property or services..all purchases arecovered regardless of amount or location of the purchase.) In Case of Errors or Ouestlons About Your Electronic Transfers: Please contact us by clicking on the Customer Service Unk online at winv.americanexpress.com, or you can call us at 1-800-IPAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address imitated on your statement. II you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error, 3. Describe the error or the transfer you are unsure of, & explain as clearly as you can why you believe there s an error or why you need more information. We will investigate your complaint & correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think Is in error, so that you coal have use of the money during the time it takes us to complete our investigation. Credit Balance: If a credt balance (designated "CR') is shown on this statement it represents money owed to you. You may make charges against the credt balance or request a refund. If you 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 indicating the crest balance, issue a check to you for the credt balance in your account if the amount is $1.00 or more. Creditor American Express Centurion Bank or American Express Bank, FSB. Now York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods bycalling 1-800-518-8866. Change of Address I correct on tool do not use Name II•011e•NO Company Nero Street Address Coy, Scale tp Code Providing your email Are* code end address to American Horne Phone Express willenable you Mn Cade and to reCeive specialoffers, coot Phone Email =mai suited to your needs. EFTA01726748 MembeiViVflefiliffis Options' Monthly Statement and Page 3 of 6 Program News American Expresso For questions about your Statement Period Membership Rewardsaccount, contact April 1, 2004 • April 30, 2004 1-800-AXP-EARN Account activity after this period does not appear on this statement (297-3276) Available Points vnyw.arnoricanexpress.cornirewards 1,575 American Express Membership Rewards PO Box 297813 Points are available when charges are paid in full and all your accounts are in Ft. Lauderdale, FL 33329.9785 good slanting. Account Summary Opening points balance 1,575 New points earned 0: Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 1,575 New Points Earned C4/01/04 - 04/30/D4 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 Totals 0 0 0 Manbreap Rewards Opbons pot earned may bo laraierrod or Weaned as lop as al emoted Cad rotor& are in good stadro.Polls UnsIrrrai a raleernrd carat ba rev tmod back ire° tie recount Forfeited points can be reinstated Waite bp:atone the number provided below. prltio can eamcm arecutimd in the Utoterellp Resnais Ocacca program Teen as CeltiliYIS Ire your skricenhe Rewards OpPra Guile. I! you haw oursecnr, pen* vise wertamericanerpreseterninsembersiblprevardseptiorn or cal 143COAXPEARN (PP7Ora Fran ovorram, cal *dal 104816-2750. Earn More! New ways to earn points. Fly to the Caribbean with Air Jamaica! Enjoy legendary Lovebird Hospitality on the airline voted Call 1.800-523.5585 for World's Best to the Caribbean for six years in a row by reservations or visit wavvo.alrjamaica.com. ea tft/017701CCI 'World Travel Awards'! Redeem 35,000 Membership Rewards® points for economy-class travel to Jamaica or to (MR Message 0376) any of Air Jamaica's Caribbean island destinations including Antigua, Barbados, Bonaire, Curacao, Grenada and St. Lucia. Double points on your next family vacation! a SeaWorld. Earn double Membership Rewards® points and get family vacation when you book and pay for an adventure vacation at Sea World, Busch Gardens or Sesame Place between 6/1/04-9/15/04, for travel by 12/31/04. Create a customized Go to wvAv.scaworld vacatIons.com, mem buschgardensvacatlons. corn or WWW.S0S31110 placevacatlons.com, ADVINTURE PARKS vacation or choose one of the featured packages. enter code AXPFUN *Art Snens...1.aw and plan your trip. (Bonus ID 6625) To digits to ewe tar= parrs, pan net be evened n the Mental" RHEIMS worn al the dna ol probsw on an diptra enrolled Amnon, &preset) Cant Ono porn we credeel to lour Varnbershp Rewards assouril wtin 643 weals afar stairs ;pear on your biro statanad. Bonn ID ens Continued on (worse 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. EFTA01726749 limmillirATE COPY Page 4 of 6 Introducing the Krups Duothek Stainless Steel Therm Krups would like to introduce the Duothek Stainless Steel Redeem now at Therm (PRM359) for 31,000 points. Make coffee and tea at owmamericanexpress. KRUPS comfrewards or the same time! The Duothek Stainless Steel Therm has two Call 1-800-AXP-EARN independent brewing systems, perfect for making regular (297-3276). and decaf coffee or tea and coffee. Two double-insulated, eight-cup thermal carafes keep coffee hot for hours. The (MR Message 1465) Duothek has Krups Deep Brew technology to provide you with coffee full of rich, robust flavor. Available in Stainless Steel. 2x Points•Greeting Cards from Gallery Collection Stop running To The Store! Order premium quality greeting Browse our selection of cards at low, Direct-from-the-Publisher prices. Earn Double Birthday, Holiday and All Occasion Cards at torattoN Membership Rewards® points on all orders from June 1 to www.gallerycollection. August 31, 2004. comfamex or call (201) 41.0700 for a To be este° tins bonus Foils. you swat to enroled in the Pekteheesko Pewards swam S the Ira <4 tabg. purchase tied you mull charge your pulthr.so on an elgidio. emoted ATCfr.411 Exse-ae Caed. &sus poinb wdl be credited to your tainterth'p Rewash OCCC.Wil with.. 6-8 weeks aver charges awes on your (Bonus ID 8684) big Vehement. Bons ID: OW. Redeem at GAP this Summer Summer is in the air! Welcome warm weather In breezy Visit wvov.amencon tiered styles and floral prints. Redeem Membership express.comlrewards cr call 1.800-AXP-EARN Rewardse points this summer for Gap Gift Cards! (297-3276) to redeem pugs today. (MR Message 7008) Join the Fun • Geoffrey's Birthday Club! Now, you can redeem Membership Rewards& points for 'R' Signop for Geoffrey's. Us gift cards! Use them to buy toys, clothing and baby items Birthday Club for FREE at any Toys'R'Us Store! in any Toys'R'Us or Babies'R'Us store. And while you're in Toys'R'Us, sign your child up for Geoffrey's Birthday Club! (MR Message 5097) Every Club member gets a birthday card from Geoffrey, a special surprise and Fun Pass for an incredible Birthday Club experience in our store. Mom gets a party planner with valuable tips and coupons. And it's all FREE! Please aim at least otte weep tarn line d swam.% S mats adrthday cod Foe nave Ore Icestion and to askew 0WIT Us Feeney Itetwsy Poky, oat 1.110114OYEAUS (1-600469-77117) or see veatOyeruesonVpdvacypollcy. Use Points for a Be My Guest® Dining Card Redeem points for a $50, $1OO or $200 Be My Guest Dining Call 1-800-AXP-EARN Card this summer! The Be My Guest Dining Card is a (297-3276) to start $100 redeeming today. prepaid gift card accepted at restaurants in the U.S. that t23 s welcome the American Expresse Card. The Card is (MR Message 2481) embossed with the recipients' names and can be used at the restaurant(s) of their choice. The Be My Guest Dining Card is the perfect gift for any occasion this season--graduations, weddings, birthdays, and 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. EFTA01726750 DUPLICATE COPY MomitNuriW ClccirgOde Page 5 of 6 )0000000a 06/15/04 ic. istomErtras- ... e Mortgage Rates are Low! Get the Guaranteed Best Price*: Contact us today! Call 1400-AXP-1008 or visit If you're looking to buy a home or to refinance your mortgage, American Express www.amedcanexpress. Mortgages** can save you hundreds of dollars a month in mortgage payments. com/mortgages. Use With mortgage rates near all-time lows, the time to purchase or refinance is now. offer code C79. The application Is easy to complete and most loan decisions are made in minutes (CE 104543) --plus you will receive the best price guaranteed or you could receive $500'. *A customer must provide a complete, system-generated Good Faith Estimate, listing a specific lenders name, that is dated the same day as the rate quoted by us. If such Good Faith Estimate indicates a lower interest rate than our rate, inclusive of points and loan fees for the same loan program that is offered by us and we have verified the accuracy of the rate and fees listed, then we will have the option of beating that lenders total loan costs by $100, or paying the x4e81M elan LENDER customer $500 ($750 for properties located in California) when they dose with that lender and then provide us with a copy of the signed Note and Final HUD-1 Settlement Statement. "Mortgage loans are provided by American Express Bank, FSB, an FDIC-Insured federal savings bank American Express Bank, FSB, is an American Express company and an Equal Housing Lender. Enroll Now to Earn Double Points or Extra Cash Back! To start earning extra rewards, enroll now at Getting extra rewards is as easy as pulling out your Card. Shop with amerIcanexpress.com/ an enrolled American Express® Card between 6/15-7/15/04, and extra bonus. rewards can be yours when you buy bathing suits, movie tickets, dinners with friends, gas, and much more. For more information and (CE PROMO t04462) to enroll, go to americanexpress.com/bonus and begin earning extra rewards. Do it today before this promotion slips away! Enrollment required by 7/15/04. If you do not have Internet access, please call 1400-653-6051 to enroll. Qualifying charges include all eligible retail, restaurant, and entertainment purchases posted between 6/15/04 and 7/15/04. Please allow 12-14 weeks after promotion for your bonus reward to be posted to your account. Bonus awards cannot exceed maximum amounts. Terms, Conditions and Restrictions apply. Bonus ID: 0477. Claim Your FREE VIP "Thank You" Worth Up to $100.00 Call 1.800.586.9303 now for details to claim your As an American Expresso Cardmember, you're entitled to a FREE VIP favorite VIP magazines "Thank You" worth up to $100.00. Simply call by July 10, 2004. to worth up to $100.00. claim up to two of your favorite magazines FREE for one year— Quantities are limited. compliments of American Express. Quantities are limited. So call now Call now to claim your FREE VIP to guarantee your selections and find out full magazine subscription FREE VIP "Thank You". THANK YOU Campaign Code 27272. details. (CE 104470) Verify Your Charges Before They Appear on Your Bill Sign up today at nnvw.americanexpress. Sign up to view your account online and start checking your most com/mycardaccount. recent charges anytime and anywhere you want. It's a convenient option that allows you to view your statement and complete your (CE 104544) American Express® Card transactions in a matter of seconds. For added convenience, you can even pay your bill online. You'll get an instant payment confirmation as soon as you're through. Plus, your account information is protected by state-of-the-art encryption technology--so you can always feel secure about making transactions online. Offers aro made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726751 A=4EMEE( DUPLICATE COPY )000<- Page 6 of 6 Magical Cancun - 90+ Offers and up to $150 Statement Credit To plan your vacation to Cancun and for details on your Cardmember Annual Escape to Cancun this summer or fall. A perfect mix of nature and culture-- Travel Benefit, cal MES N! Travel amazing beaches and breathtaking waters, great shopping and dining, Mayan ruins and cultural riches, world-class hotels, watersports and other adventures. Simply reserve your vacation with American Express Travel to receive 90+ offers for shopping, dining, car rentals and some of the region's most popular American Express Travel toll-free at 1.866-AXP-0001. CST#1022318-10, TA-149 Registered Ohio Travel , Washington UBI# excursions'... and if you qualify, take advantage of your Cardmember Annual 6 -694, ML#1192. Travel Benefit"--a statement credit up to $150. PROMO CODE: C222:0001. (CE 104553) *0n new bookings from 6/1104. Travel through 11/30/04. Restrictions may apply and vary by merchant. —On purchase ousted by a vacation package operator through participating American Express Travel Services U.S. locations of $2,000 or more per booking for $100 creek, or only kr Gold, Platinum Card° & Centurion* charge Card members, $2,500 or more for $150 credit. Not valid on independent air/hotelloar rental reservations. Available 1 per Card account per year—redeem 1 per booking. Other Terms, Condlions and Restrictions apply. Are You Overpaying for Personal Checks? Order now at www.amexpub.comr Tired of the inconvenience of ordering your personal checks through checks/statement or call your bank? Since 1.997, American Express Publishing has been 1.8t)g662-2314 to request offering personal and business checks and accessories to a brochure. Cardmembers at prices up to 50% less than financial institutions. (CE 104541) 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. American Express® Gift Card - For All Occasions American Express Gift Card: The American Express Gift Card is a perfect solution for all of your - Prepaid gift-giving needs. Whether buying gifts for your loved ones for - Accepted in millions of Father's Day or special events like graduation and weddings, the Gift restaurants and retailers Card makes a perfect gift for any occasion because it is accepted all in the U.S. - Funds never expire over the place.* The Card is available in denominations from $25 to Available at: $500 and is packaged in a gold envelope with a personalized vnvw.amerlconexpross. message card.** corrubestglft or 1.866-256-GIFT. *Accepted at millions of retailers and restaurants throughout the U.S. where American (CE 104533) Express* Cards are accepted. Card and shipping fees apply. For complete Terms and Conditions, please visit vnwv.americanexpress.comibestgift or call 1-877-AXP-GIFT. Now Accepting the American Express® Card! If there are other places where you would like to Gooseberry Patch - Where you can find all the comforts of home see the Card accepted, shop online at www.gooseberrypatch.com or call 1-800.854-6673 please call the Customer for more information. Service number that is located at the top of your statement or the number Merriweather Post Pavilion - Maryland's premier outdoor concert that is on the back of your venue located in Columbia, MD. Visit us at www.Merdweather Card. music.com for ticket info/events. 410-715-5550. (CE 104487) Unfinished Furniture Mart - One of Virginia's largest furniture retailers specializing only in unfinished solid wood furniture. 10294 Portsmouth Rd., Manassas, VA. 703-530-7564. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726752 DUPLICATE COPY . ... Optima® it.05/31Points Available's from American Express /04riaienafiaigiSZcia:iire paid -fulland etre/ed.:UnitareingOOdatanding., AcoctAMenta CmirgCMIO 07/16/04 Page 1 of 8 wAeVely$ im. QIM tanimum Payment Due Date Ptmieut Mots $ Pmmtni Parity $ FinArati ra latey How Etilixo $ Amount Duet 08/10/04 5,938.26 -120.00 +65.29 =5,883.55 118.00 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credt Cash Advance Available Cash Summary Une $ tine $ Limit $ Limit $ on 07/16/04 9,800.00 3,916.00 8,100.00 3,916.00 Minimum payment due by payment due date. Remember, you can pay your bill online anytime, anywhere at www.americanexpress.comipaybill. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $3,916.00. Contact us at www.americanexpress.com or call Customer Service at 1-800-635-5965. Purchase Protection Plan - Shop With Confidence While Using the Card The cat knocked over the brand new vase--good thing you bought it with your Card. The Purchase Protection Plan will repair or replace it--or even reimburse the amount you charged to the Card for covered items, up to $1,000 per Occurrence, if they are accidentally damaged or stolen within 90 days from the date of purchase. For more information, just call 1-800-322-1277. The Purchase Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the Terms, Conditions, and Exclusions of Policy AX0951. See Description of Coverage for complete details. • Activity .was"“" da AmOUllt $ :,2114/94.02AYIAENTsREC IVED -TH NKNOU07114t.. 644.O g`-:, •11.20;00 Amount New Attila" catinca. 07/12/04 DELINQUENCY FEE ASSESSMENT 35.00 MIN PAYMENT NOT RECEIVED BY DUE DATE 07/16/04 Penolic FINANCE CHARGE 30.29 Total of New Activity 65.29 P*4341tUti on Its prolo•Mon bckw. atd teuen talt tour paimert Continued on Page 3 Payment Due Date: Please enter account Payment Coupon 08/10/04 number on all checks and correspondence. Total New Balance To avoid additional $ 5,883.55 Finance Charges on PPM Purchases, pay New Minimum Amount Due Balance before Payment Due Date. $118.00 i MD 20876 - 5960 Note any address and/or telephone number change on reverse side. Unless you check here, this I • I change will apply to all of Amount enclosed your Card Accounts except any Corporate Card Mail Payment to: II,IiIII.I.I.,III,III,I,III.illiell1.1.11.1.11,111.11Ii.Illeil Accounts you have. AMERICAN EXPRESS PO SOX 360002 FT LAUDERDALE FL 33336-0002 O I Iltlidilm.1.11 000588355000011800 17HH EFTA01726753 DUPLICATE COPY Page 2 of 8 367clioaroosi Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments, must be in US Dollars and drawn on a bank located in the US (other than a line of deft check issued by American Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remittance stub attached and account number listed on the check Please do not send post-dated checks. They vat be deposited upon receipt If payment is made in any other form or al any other location, there may be a delay in processing. We reserve the right to process checks eledronically, at first presentment and any re-presentments, To Pay By Phone by transmitting the amount of the check, routing number, account number and check serial number to your financial 1.800-472.9297 institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account for the amount Customer Service of the check. Authorization for Electronic Payments:By using, the American Express Pay By Computer, 1-800-635-5955 Pay By Phone or any other American Express electronic payment ,seerice, you will be authorizing American Express 24 hoursf7 days to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at www.americanexpress.com. International Collect Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. 1-336-393-1111 Outside the U.S. contact the nearest American Erpress Travel Service Office or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under th's method, we figure the FC on your Account by applyng' Hearingg Impaired the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash (9am- EST) Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily 11Y: 1-800.221-9950 Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous FAX: 1-800-695-9090 billing periods), (2). add any new transactions, debks, or fees, (3) subtract any payments or credits, and (4) make any In NY: 1-800-552-1897 appropriate adustments. For each day after the first day of the billing period, we also add an amount of ireerest equal to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginningbalance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all Me der balances for the feature for the billing period and (Wide the total by the number of days in the biting period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daly Balance will be considered to be zero if you Correspondence paid the New Balance, if any, shown on your previous months statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the Customer Service daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by 777 American rounding. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. This method of calculating the Average Daily Balance end FC results in daily compounding of FC. The minimum Expressway FC for any billing period in which FC are imposed is $0.50. Ft. Lauderdale, FL Billing Rights Summon.: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, cr if 33337-0001 you needmere information about a transaction on your bill, write us on a separate sheet of paper at the 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. Funds Access Services You can telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. P.O. Box 53809 In your letter, give us the following information: 1. Your name and account number; 2. The dollar amount of the Phoenix, AZ suspected error; 3. Describe why you believe there is an error. If you reed more information, describe the item you are 85072-3809 unsure about. You do not have to pay any amount in question while we are investigating, but you are still cbigated 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 Payments any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings PO BOX 360002 or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must FT LAUDERDALE reach us three business days bolero the automatic payment is scheduled to occur. Special Rule For Credit Card FL Purchases: If you have a problem with the quality of goods or services thal 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 33336-0002 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 mauling address. (If we cowl or operate the merchant, cirri we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location ofthe purchase.) In Case of Errors or Questions About Your Electronic Transfers: Please contact us by clicking on the Customer Service Unk online at wonv.americanexpress.00m, or you can call us at 1-80D-(PAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOW for Express Cash & automatic payment Issues. You can alsowrite to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hoar from you no later than 60 days after we sent you the FIRST statement on which the problem cr error appeared. When contacting us: 1. Tell us your name & account number, 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the moneyduring the tirno it takes us to complete our investigation. Credit Balance: If a am* balance (designated *CR" is shown on this statement, it represents money owed to you. You may make charges against the credit balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, we wil, within 30 days after expiration of the six-month period following the date of the first statement indicating the meek balance, issue a check to you for the credit balance in your account if the amount is $1.00 or more. Creditor: American Express Centurion Bank or American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, foes and grace periods by calling 1.800.518-8866. Change of Address If camel on front do not use Myrna LI Company Nano Sfrott Addroco 17- 1- r -1- 1- 1 Cty, Stale tp Ccde Area Code end I I I Providing your email address to American Herne Phone Express will enable you to receivespecialoffers. umil Area Cade and Walt Phone Erna J suited to your needs. EFTA01726754 DUPLICATE COPY ArcunANumbet accig Date Page 3 of 8 XXXX-XXXX 07/16/04 Finance Charges Average Daly Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this period: 31 Balance $ Periocfic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 265.99 0.0246% 8.99% 8.99% 2.03 Cash Advances 0.00 0.0520% 0.00% 18.99% 0.00 Check/Balance Transfer 5,626.44 0.0162% 5.90% 5.90% 28.26 30.29 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wan Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01726755 DUPLICATE COPY Pa- 4 of 8 xxxx-xxxx> EFTA01726756 Membe s Options' Monthly Statement and Page 5 of 8 Program News A tner i tnn Exprets• For questions about your Statement Period Membership Rewards account, contact May 1, 2004 - May 31, 2004 Account activity after this period does not appear on this statement 1-800-AXP-EARN (297-3276) Available Points www.americanexpress.com/rewards 1,575 American Express Membership Rewards PO Box 297813 Points are available when charges are paid in lull and all your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 1,575 New points earned 0 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 1,575 New Points Earned 05/01/04 - 05/31/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 Totals 0 0 0 lAwriumenp Rev.:nes Option, pen's earned may to trantord cc tanned as tap as all enrokd Gad accrue*. aro in gad randeg. Points l'entwed a roamial cavv: be 'tined beck it the FeeLvern. Forlelled points can be rebated for a fee by calling the number provided below. Enable Cardcharges we Wired in the Mernteislep Punch opals ptgern Team and anddrci in yew lAprbrehr Pewwdt 0fkali at. rim. nauecnosecro, pare rut enflame rIconeeprence ormembashiprewar Our dons or cal 1.80)-AXP.E.APti (2974270. Fran worms, canctect 305-518-278d. Earn More! New ways to earn points. The Rainbow Collection from Brooks Brothers keit:Sleek Z.* or•se• Paired with crisp khakis, flat-front slacks or a simple blazer, Visit americanexpress. you can find colorful shirts from Brooks Brothers that will add corn/rewards or call 1-800-AXP-BARN a smart yet playful touch to any outfit. (297-3276) to redeem points for Brooks Brothers Shop at Brooks Brothers for all your fashion needs once you Gift Cards. redeem Membership Rewards > points and receive your Brooks Brothers Gift Cards. (MR Message 2440) Earn 50% More Starpoints! Transfer Membership Rewards® points to your Stanwood Transfer points at mom. Preferred Guest (SPG) account from July 1 to August 31, amedcanoxpress.com/ rewards or call 2004, and receive 50% more Starpointsl That's 500 1.800-AXP-EARN STANWOOD PRIEPERRED GUEST Starpoints for every 1,000 Membership Rewards points (297-3276) or contact transferred, instead of the regular 333 Starpoints. Stanwood Preferred Guest at 1.888.625.4988 or waw.spg.com. SPG unites more than 750 of the world's best hotels including Westin® Hotels & Resorts and Sheraton. Hotels & (Message 4064) Resorts. To deem. enrollees mud nave equated ray at a Sep:wool Hotel axl Resat poets b accost wt.ro eve per 12 months 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. EFTA01726757 Amerit:an Expresa• MilmilliiirATE COPY ,.71,,AILMOCNSH IF: P.R./XThe AXOUlt Nutter Page 6 of 8 Ru. Fleming's Prime Steakhouse & Wine Bar Certificates XS el iEliti•tiltiiis• Turn an evening out into a memorable occasion. Fleming's To start redeeming today, ,E . 0.. PA, Me E50NIg Prime Steakhouse & Wine Bar is renowned for its stylish log on to www.american express.com/rewards or dining, lively atmosphere and innovative wine list. Redeem *AR • • • •0•b‘I • bt Membership Rewards® points for $50 or $100 certificates toward your dining experience at Fleming's Prime 11.800-AXP-EARN (297-3276). Steakhouse & Wine Bar. (MR Message 5227) For more information or to find a location nearest to you, visit www.flemingssteakhouse.com. Fly to Mexico on Frontier Airlines Redeem 30,000 Membership Rewards@ points for an Visit www.american express.comlrewards or Economy Class ticket on Frontier Airlines and fly to any FRONTIER A I R L I N E S destination the airlines flies in Mexico, including Cabo San Lucas, Cancun, Ixtapa/Zihuatenejo, Mazatlan and Puerto call 1.800-AXP-EARN (297-3276). Vallarta. Consider Frontier for other destinations as well. It is the one of the largest jet carriers at Denver International Airport, with nonstop service from there to more than 40 (MR Message 3184) cities in the U.S. and Mexico. Call Frontier Airlines at 1-877-302-8803 to make a reservation. Donate Membership Rewards® Points to More Than 850,000 Charities Lend a hand to those in need with Membership Rewards To start donating points. Now, you can donate Membership Rewards points to Membership Rewards points, visit www. more than 850,000 charities. amedeanexpress.com/ • give. Log on to www.amerIcanexpress.com/gIve and redeem points today. (MR Message 6334) SeaWorld and Busch Gardens Adventure Parks a SeaWorld. Experience a world of unique attractions and incredible thrills by redeeming Membership Rewardse points for tickets to SeaWorld and Busch Gardens Adventure Parks. To review these rewards and redeem points for tickets, visit www. amertcanexpress.com/ rewards or call ADVENTURE PARKS You can redeem for tickets for multiple parks, including 1.800-AXP-EARN DANA L.A.:eyefa MN (297-3276). Busch Gardens (Tampa, Williamsburg), Adventure Island (Tampa), SeaWorld (San Antonio, San Diego, (MR Message 3076) Orlando), Water Country (Williamsburg) and Sesame Place (Philadelphia). Tads lecativenture blast (rant* Guth Gardena (Tempe) aid SeaWali (Al ktators) valid Womb herd, 31.2035. 7kbale lot Sawh ambit (Wilrebusia) Weer Getty (Welawallst) and snail* Place (Ibtadelptes) ate %iterate the 20:la seaeea. Teals ate non-replaceetle a tot or Orion. 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. EFTA01726758 DUPLICATE COPY Axant 'Junta Clanbg Delo Page 7 of B XXXX-XXXXX 07/16/04 omExtras- Mortgage Rates Are Low! Get the Guaranteed Best Price Contact us today! Call 1.800-AXP-1008 or visit If you're looking to buy a home or to refinance your mortgage, American Express www.americanexpress. Mortgages" can save you hundreds of dollars a month in mortgage payments. com/mortgages. Use With mortgage rates near all time lows, the time to purchase or refinance is now. offer code C84. The application is easy to complete and most loan decisions are made in (CE 104580) minutes--plus, you will receive the best price guaranteed or you could receive $500.' *A customer must provide a complete, system-generated Good Faith Estimate, listing a specific lender's name that is dated the same day as the rate quoted by us. If such Good Faith Estimate Indicates a lower interest rate than our rate, Inclusive of points and loan fees, for the same loan program that is offered by us--and we have verified the accuracy of the rate and fees listed, then we will have the option of beating that lenders total loan costs by $100 or paying the customer $500 ($750 for properties located in California) when they close with LENDER that lender and provide us with a copy of the signed Note and Final HUD-1 Settlement Statement. "Mortgage loans are provided by American Express Bank, FSB, an FDIC-insured federal savings bank. American Express Bank, FSB, S an American Express company and an Equal Housing Lender. Pay Your Bill Easily - Online Sign up today at mvw.americanexpress. Sign up to pay your bill online and experience the ease of paying com/paycardbIll. your charges anytime and anywhere. With 24/7 access to your account, all you have to do is log on to view your statement and most (CE 104583) recent account activity, and then pay your bill in a matter of seconds without a single stamp or envelope. You'll even receive an instant payment confirmation as soon as you're through. And, for your added convenience, you can print and save your statement for your records. Make paying your bill online a part of your monthly routine. Puerto Rico $100 Value Card & Up to $150 Statement Credit To plan your vacation to Puerto Rico and for details You're not dreaming, you're in Puerto Rico. Escape to Puerto Rico, the Island of on your Cardmember Enchantment, now through October 31, 2004. A perfect mix of natural beauty and Annual Travel Benefit, call American Express rural landscapes--amazing beaches and turquoise waters, world-class shopping, Travel toll-free at dining, Old San Juan and cultural riches, world-class hotels, outstanding golf 1.888-AXP-0059. CSTif courses, watersports and other adventures. Simply reserve your vacation of four 1022318-10, TA-149 nights or more with American Express Travel to receive $100 American Express Registered Ohio Travel Shopping Card good at participating merchants for shopping, dining, car rentals Agency, Washington UBI# and some of the region's most popular excursions' and if you qualify, take 600.469.694, ML$1192. advantage of your Cardmember Annual Travel Benefits statement credit up to PROMO CODE: $150... C9810001. (CE 104661) 'On new vacation package bookings from 6/15/04 to 9/30/04. Travel through 10/31/04. Restrictions may apply. American Express Shopping Card of $100 can be used towards purchases at participating merchants. Not redeemable for cash. Other material Terms, Conditions and Restrictions apply. "On purchase offered by a vacation padcage rator through participating American Express Travel Services U.S. locations of $2,9 r I or more per booking for $100 creed or, only for Gold, Platinum Card° & Centurion° charge Card members, $2,500 or more for $150 credit. Not valid on Independent aiahotel/car rental reservations. Avakble once per Card account per year. May only redeem 1 per booking. 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. EFTA01726759 DUPLICATE COPY Accamt Ntrnbe. Page 8 of 8 )OOO(- A Special TravelFunds Card Offer for AARP Members Offer available for AARP members only at Receive a complimentary emergency travel kit with the purchase of wvAy.aarp.orgrarnex $1,000 or more in TravelFunds Cards from American Express.* It has and at 1400-721-9754. the safety and security of Travelers Cheques and the convenience of Members must enter or a Card. The TravelFunds Card is prepaid and reloadable. It is safer mention promotion coda 101. than carrying cash and is not linked to your bank account. If it is lost or stolen, your balance is refunded, usually within 24 hours. Offer also (CE 104632) available when purchasing American Express Travelers Cheques and foreign currency. 'Limit one kit per order. There is a $14.95 Issuance fee per TravelFunds Card purchase, which includes standard shipping and processing. For complete Tears and Conditions, visit unwe.aarp.orgramex Your Auto Insurance Rates Should Be Reviewed Often Cal 1.800442.3344 today and be sure to mention Because rates vary considerably from company to company, reference code 1N9 to comparing auto insurance rates could save you a significant amount receive your quick, of money.The American Express Property Casualty companies offer no-obligation quote. outstanding rates, world-class service and friendly, fair claims Cr, if you prefer, visit americanexpress.comf handling. We invite you to receive a no-obligation quote to ensure you autohome to get your are not paying too much. quote. Property Casualty insurance Is underwritten In De Pere, VYI by AMEX Assurance Company (licensed in aN 50 states, Puerto Rico and Canada)** IDS Property Casualty Insurance (CE 104630) Company (licensed in AZ, CA, IL, IN, MN, SD, TX and WI). Both aro wholly owned subsidiaries of American Express. Insurance not available in all states. Now Accepting the American Express® Card! If there are other places where you would like to Wendy's® - Enjoy hot'n juicy® hamburgers, Garden Sensation' see the Card accepted, Salads and Chicken Temptations'. Applies to locations that accept please call the Customer American Express Cards. www.wendys.com. Service number that is located at the top of your statement or the number Relish - A Washington, D.0 boutique expands into Georgetown, that is on the back of your featuring European menswear, accessories and beauty bar. 3312 Card. Cady's Alley, Washington, DC. 202-333-5343. (CE 104610) Falls Road Veterinary Hospital - AAHA approved, offers complete veterinary services, a complete in-house lab, bathing, surgeries and grooming services. 301-983-8400. How to Save up to 15% Off a Shopping Bill in Europe To find out more about tax-free shopping, please When shopping in the European Union countries, VAT (equivalent to visit vNiw.amerIcan sales tax) is included in the prices that you see, rather than added on express.comnraveltIps. at the cash register. As a resident outside of the European Union, one Please don't forget to ask can reclaim up to 15% off the purchase price when leaving the a representative from Customs and Excise to country. And, so not to waste time at the airport foreign exchange stamp the form upon foal desks, one can simply indicate on the form that they would like the departure. refund to be credited to their American Express® Card. (CE 104591) A person must be resident outside of the European Union in order to benefit from tax-free shopping. VAT rates and minimum spending requirements vary by country. Please refer to wvnvemericanexpress.cornaraveltIps for further details. 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. EFTA01726760 DUPLICATE COPY Optima® Membership Rewards . Points AvaiIablo from American Express at 06!30104. when chargesduee.re paid ini hill'and allaccounts are ingoodstancrvig‘M Acmat Winter cocky Dab 08/15/04 Page 1 of 8 New &Miry $ Inc. Ad trients and Minimum Payment Due Date Pronto' Balance Damian MOAN FananeoChaps d any Now Sabres Amount Due 09/09/04 5,883.55 -118.00 +64.21 =5,829.76 117.0 0 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Umit $ Limit S on 08/15/04 9,800.00 3,970.00 8,100.00 3,970.00 Minimum payment due by payment due date. Remember, you can pay your bill online anytime, anywhere at www.americanexpress.com/paybill. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $3,970.00. Contact us at www.americanexpress.com or call Customer Service at 1-800-635-5955. Global Assist® Hotline - Travel with Confidence When you travel 100 miles or more away from home, rely on the Global Assist Hotline for around-the-clock medical, legal, travel or financial assistance. For medical needs, American Express will provide you with a list of dentists and physicians in your destination, assist with travel arrangements if you need to get home in a hurry, and help replace lost medication. We will also wire you emergency cash, point out the nearest ATM, and even explain the visa requirements before you go. For more information, visit www.amerIcanexpress.com/benefits. While the Global Assist services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party providers. Activity .fr'sc4"`Ce'"'"e Amount t 08/12/04 DELINQUENCY FEE ASSESSMENT 35.00 MIN PAYMENT NOT RECEIVED BY DUE DATE 08/15/04 Penock FINANCE CHARGE 29.21 Total of New Activity 64.21 3 Mobe kid an the pintos',. bobn, &look ad Mum wilt your parnent 3 Continued on Page 3 Payment Coupon Payment Due Date: Please enter account 09/09/04 number on all checks and correspondence. Total New Balance To avoid additional S 5,829.76 Finance Charges on Purchases, pay New Balance before Payment Minimum Amount Due Due Date. $117.00 GERMANTOWN MD 20876-5960 Note any address and/or telephone number change on reverse side. Unless LIMO tLddtttltllt nl • you check here, this change will apply to all of Amount enclosed your Card Accounts except any Corporate Card Mail Payment to: Accounts you have. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I 000582976000011700 EFTA01726761 DUPLICATE COPY Accout >acatrc<x)imi Page 2 of 8 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments, must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remittance stub attached and account number listed on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment, and any re-presentments, To Pay By Phone by transmitting the amount of the check, routing number, account number and check serial number to your financial 1-800472-9297 institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a daft against your account for the amount Customer Service of the check. Authorization for Electronic Payments:By using the American Express Pay By Computer, 1-800-635-5955 Pay By Phone or any other American Express electronic payment service, you will be authorizing Amencan Express 24 hours/7 days to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at www.ameneanexpress.com. International Collect Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. 1-336-393-1111 Finance Charges: Average Daily. Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the PC on ycur Account by applying Hearing Impaired the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash (dam-5pm, EST) Advance and Balance Transfer features)7 of your Account (including current transactions). To get the Average Daily M: 1.800.221-9950 Balance for each feature, we (1) take the beginning balance for the feature each day (incUdLng unpaid FC from previous FAX: 1.800-695-9090 billing periods), (2) add any new transactions, debits, or fees, (3) suited any payments Cr credits, and (4) make any In NY: 1-800-552-1897 appropriate adantinents. For each day after the first multipliedof interest equal to the previous day's daily balance billing period, we also add en amount of by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the biting period andavid° the total by the number of days in the bang period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance wall be considered to be zero if you V Correspondence paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daly Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by Customer Service rounding. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. This 777 American method- of calculating the Average Daily Balance and FC results fn daily compounding of FC. The minimum Expressway FC for any billing perlod in which FC are imposed is $0.50. Ft. Lauderdale, FL BIllIno Rlahts Summary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if 33337-0001 you need more inform ion about a trarsaction on your tic write us on a separate sheet of paper at the address noted to the right. We must hear from you no later than 60days after we sent you the FIR$Tbill on which the error or emblem appeared. Funds Access Services You can telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. P.O. Box 53809 In your letter, give us the following Information: 1. Your name and account number; 2. The dollar amount of the Phoenix, AZ suspected error; 3. Describe why you believe there is an error. If you need more information, describe the item you are 85072-3809 unsure about. You do not have to pay any amount in question while we are investigating, but you are stil obligated to pay the parts of your bill that are not inquestion. Whie we investigate your question, we cannot report you as delinquent or take Payments any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings PO BOX 360002 or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must FT LAUDERDALE reach us three business days before the automatic payment is scheduled to occur. Special Rule For Credit Card FL Purchases: If you have emblem 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 33336-0002 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 a operate the merchant, or if we mailed you the advertisement for the property or services, allpurchases are covered regardless of amount or location of the purchase.) In Case of Errorsor Questions About Your Electronic Transfers: Please contact us by achingon the Customer Service Unk online at www.americanexpress.com, or youoan call us at 1.800-IPAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOW for Express Cash & automatic payment issues. You canals° write lathe Express Cash Operations address indicated on your statement If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRSTstatement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as dearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the moneydurIng the time it takes us to complete our investigation. Credit Balance: If a credit balance (designated TR" is shown on this statement, it represents money owed to you. You may make charges against the credit balance or request a refund. If you do not make sufficient charges against the credit balance or recpest a refund, we will, within 30 days after expiration of the six-month period fallowing the date of the first statement indicating the credit balance, issue a check to you for the credit balance in your account if the amount is$1.00 or more. Creditor: American Express Centurion Bank. New York residents may contact the New YOliC Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Chasse of Address If confect on from do not use Nam Cancany Nxne She', Address 17- IleS•WdriPul, Ineemilnene•maidirsiessiii Cry. Stale Zp Code Providing your email Area Code and address to American Horne Phone Express will enable you Area Cede and to receivespeciai otters, Work Room, suited to your needs. &nal EFTA01726762 DUPLICATE COPY P F boom Neater Claim Dale Page 3 of 8 )0CXXX-)000al 08/15/04 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Nang days this Wad: 30 Balance $ Periocic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ PurchaSeS 303.19 0.0253% 9.24% 9.24% aao Cash Advances 0.00 0.0527% 0.00% 19.24% 0.00 Check/Balance Transfer 5,537.78 0.0162% 5.90°A 5.90% 26.91 29.21 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01726763 DUPLICATE COPY Page 4 of 8 )ticarooc EFTA01726764 Memberaiiiiticitiefiils Options' Monthly Statement and Page 5 of 8 Program News American E For questions about your Statement Period Membership Rewards account, contact June 1, 2004 - June 30, 2004 Account activity after this period does not appear on this statement 1-800-AXP-EARN (297-3276) Available Points vnyw.americanexpresscorn/rewards 'Jest lascunt el retire 1,575 American Express Membership Rewards PO Box 297813 Pcints are available when charges are paid in full and all your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 1,575 New points earned 0 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 1,575 New Points Earned C6/01/04 - 06/30/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 Totals 0 0 0 M./rowing Rewaeda Clean pons eared may be Irmetood a redefined as big as all enrolled Cwd aaaatinb areWired Vandec PArel traesArral a rcOtomod carnal bo reversed back lea the proxam. Forfeited paleface's be reinstated fora fee by calling the number provided below. Egklo Ca:doh:rues are °Aired nLc bierobesslip Rewards Opeans program Teens end Condit:to in your leernbenhip Rewards apices Gyula. r you have questonk dove vise WintamerIcanrrxprencornimembershIpeewardsoPtlims or cal 1-800AXP-EARN (29732707. Franavant% Call cAerl 50541.6-2799. Earn More! New ways to earn points. Use Miles as Money with GlobalPass® GlobalPass offers Membership Rewards® enrollees the ability To transfer Membership to use Miles as Money toward any airline, anytime. With the Rewards pants to GlobalPass Miles, call lot,ass' GlobalPass SuperAwardsm Program, transfer Membership 1.800-AXP-EARN Rewards points to GlobalMiles' and redeem toward tickets (297-3276) or go to on any airline worldwide! GlobalPass also offers www.american express.00m/rewards. GlobalAwardse, allowing enrollees to redeem Membership Rewards points toward travel on GlobalPass Affiliated Airlines (MR Message 6387) including AeroPostal, TACA and KLM. Earn Up to 1,500 Bonus Points with AOL® 9.0 Optimized! Membership Rewards• enrollees get AOL--FREE for 50 days. Cal! 1.800.2763459 or visit vninctree.aoi. Plus, earn up to 1,500 bonus points (500/paid mo.) when comimri for complete you sign up with an eligible, enrolled American Express. terms and conditions. Card and stay on AOL after the trial period ends. (MR Message 9033) AOL TRW. //CST BE USEDWEAN 50 DAYS OF INITIAL SIGN.ON. To :tread bong fee. cancelbonKA ends regiske by 900(01inky pttex et UAL aril pay AOC itti r IAA& bonus ;cleft To to ler base pains, melte enrolledIn hrembentip Reward: at lira AO/ fee is ehmrged So AMEX Card. Bonus soils war be awarded SCOW) Sof nth Wel mane, of AOL mantels* lea :es ea mar or 1,5C0 pedals. /Ain charge AOL mordNy lee to el9ble earolel AMEX Card Bonia rCinbl Wirt to anxitoi b Membwslip Rewards rod wehin 10.12 weals sire charger spin en bilr'qtent To be °tea:do:I tons pares, yen rival pay AOL inerthly membershiplen by 411505. Boma 0:7402. 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. EFTA01726765 ATE COPY PAsetaisti RemardvIt Aixotnt Nutrist r mEmeen,H,p A onerica it Express° Page 6 of 8 III-11• - - - - - - Redeem Membership Reward®s po nts with Discovery Channel Stores! ifitaii Ex int.S. • Discovery Channel reaches beyond the television screen to To find the nearest store or bring you a universe of products guaranteed to "Entertain begin your shopping online, visit www. Your Brain". From leading-edge electronics to exclusive toys, dIscovery.com/store or there are plenty of products to help you share the spirit of visit www.american Discovery. express.comirewards or call 1.900-AXP-EARN (297-3276). (MR Message 6339) Experience Italy with Alitalia! As Italy's premier airline, Alitalia offers the most non-stop Visit www.amorican flights to Italy from all its U.S. gateways. Enjoy wide-body express.com'rewards or Alitalia seats, superb gastronomy, an extraordinary in-flight boutique and world-famous service from the people who have turned living into an art form. call 1.800-AXP-EARN (297-3276). (MR Message 6344) Redeem Membership Rewards® points and experience the passion of Italy. Take advantage of the new Magnifica Class Companion reward and bring a friend! Amazing Back-to-School Savings at Staples®! From crayons to calculators and pencils to portfolios, Staples visit makes it easy to find the hottest buys all in one place. amedcanexpress.comf rewards or call 1.800-AXP-EARN Redeem Membership Rewards® points for Staples Awards (297-3276). and shop in store, through the catalog or online at Staples.com. It's all here, you're all done! (MR Message 7079) Stay at Omni Hotels® with Membership Rewards® Redeem 21,000 Membership Rewards points for the Omni To review this reward and Hotels "Ideal" Award, valid for a one-night stay at a majority redeem points, visit www. amedcanexpress.corni of Omni Hotels any night of the week. Omni Hotels has rewards or call luxury accommodations at over 40 hotels and resorts located 1.800-AXP-EARN throughout the U.S., Canada and Mexico. (297-3276). (MR Message 1028) Back to School with Gap Gift Cards Redeem Membership Rewards® points for $25 or $50 Gap To rind out more about Gift Cards! Get the school year off to a great start by using a using Membership CAP Gap Gift Card to get your favorite classics or the season's latest looks. Gap has styles for every generation. Gap Gift Cards can be used at any Gap store in the U.S. and at www.gap.com where you'll find more sizes, more fits and Rewards points to get Gap Girt Cards, visit www. americanexpress.comi rewards or call 1.800-AXP-EARN (297-3276). more washes. (MR Message 1099) 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. EFTA01726766 DUPLICATE COPY Accard Minter CI:dng Oda Page 7 of 8 )000C-x)00< 08/15/04 CustomExtrar Macy's Passport '04: Fashion Show Benefit Tickets on sale 8/15. SAN FRANCISCO Fort American Express presents, Passport a spectacular theatrical fashion Mason Center: show captivating you with music, live performances, supermodels, Cardmember Evening, celebrities, internationally acclaimed fashion designers, and the best 9/22. Black Tie Gala Evening, of Macy's Fall collection. Unlike any other fashion show, Passport 9/23. *rrrryjsmrs.cy merges fashion and compassion, and this year returns revitalized to LOS ANGELES Barker inspire. Now in its 22nd year, Passport has raised nearly $18 million Hangar. VIP Lounge and for HIV/AIDS research, prevention and direct-care programs. The Gala Evening, 9/30. evening includes a reception, Celebrity Fantasy Auction, and the (CE 104764) Passport Fashion Show. Join us and experience the journey. For more Information, please visit www.ticketmaster.com/passport. Runway Seats $150. Preferred Seats $75. Save $10 off a Purchase of $50 or more* at Foot Locker To find the Foot Locker, Lady Foot Locker, Kids This back-to-school you can save $10.off a purchase of $50 or more* Foot Locker, Champs Feet Locker. on some of the hottest athletic footwear, apparel and accessories Sports or Footaction Lady Foot Locker when you use your American Express® Card. Bring this statement to location nearest you, call any Foot Locker, Lady Foot Locker, Kids Foot Locker, Champs Sports 1-800-991-6881. Offer feet Locker valid: 8/1/04.9/30/04. and Footaction store in the USA. (keycodo: A48). CHI.% a mPS wart uits (CE 104770) 'This American Express statement must be presented at time of purchase and cannot be ICICOACTION* used in conjunction with any ether certificate or savings offer. Not redeemable for cash. Applicable taxes must be paid by bearer. Cannot be applied to prior purchase, purchase of gift card, Internet or catalog purchases. Valid for one visit only. Void if copied and where prohibited, licensed or regulated. Some other exclusions may apply. See store associate for details. 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 104812) Other quality products we otter 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 guaranteed. Order your checks now from a trusted name--American Express. Donate to the MDA Telethon With the Card and We Will Too! Well donate $5 to the MDA when you charge American Express is a proud sponsor of the 2004 Jerry Lewis your contribution to your Muscular Dystrophy Telethon. MDA combats neuromuscular diseases American Express. Card through programs of worldwide research, comprehensive medical during the telethon. and community services, and far-reaching professional and public Please check local listings and tune in on September U0.41UthiCri health education. And, to celebrate our seventh consecutive year as a 5-6 and give generously! sponsor, American Express is going to make a $5 contribution for every time a donation is charged to the Card during the telethon. (CE 104763) If you aren't able to tune in, go to www.mdausa.org to donate and learn more about MDA. $5 donations from American Express to the MDA we not tax-cleckmtkole. American Express will donate a maximum of $160,000. Now Accepting American Express® Cards! If there are other places where you would like to Little Giant Ladder Systems - Strong, safe and versatile. To learn see the Card accepted, more and place an order, visit www.littlegiantladders.com or call please call the Customer 1-800-767-3535 today. Service number that is located at the top of your statement or the number Aria - For the tastes, style and flavor of a neighborhood Italian that is on the back of your trattoria. Al fresco dining, 1300 Pennsylvania Ave. N.W. Call Card. 202-312-1250 or visit www.ariatrattoria.com. (CE 104733) Leesburg Pharmacy - Offers more than your traditional pharmacy. Visit us for gifts, medical equipment, and more. 36-C Catoctin Circle, Leesburg, VA. Call 703-777-5333. 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. EFTA01726767 DUPLICATE COPY Pt rd For Account Malt'. Page 8 of 8 )OOOOOeXa A Special TravelFunds® Card Offer for AARP Members Offer available hr AARP members ONLY at Receive a complimentary emergency travel kit with the purchase of vevny.aarp.orgramex and $1000 or more in TravelFunds Cards from American Express.* at 1400-721-9754. It has the safety and security of Travelers Cheques with the Members must enter or convenience of a plastic Card. It's also prepaid and reloadable. Like mention promotion code 101. Travelers Cheques, if it is lost or stolen, the balance on your Card is refunded, usually within 24 hrs. Offer is also available for U.S. (CE 104772) Travelers Cheques, "fee-free" foreign currency Travelers Cheques and "fee-free" foreign currency. 'Limit one Idt per order. There is a $14.95 Issuance fee per TravelFunds Card purchase, which includes standard shipping and processing, $15.00 order fee plus shipping for U.S. Travelers Cheques. For complete terms and conditions, visit wwwattup.orgfamex. Sign Up For American Express Alerts To sign up for Alerts, visit vnnyamerfcanexpress. Get important information pertaining to your account delivered to you com/alerts. whenever and wherever you want. With American Express Alerts, you can choose to be notified when your payment is due, irregular (CE 104807) account activity is detected, your payment Is received and you are approaching your line of credit/spending limit. Alerts can be sent to your e-mail address, mobile phone, pager or PDA. The Purchase Protection Plan - At No Additional Charge For more information, call 1.800-322-1277. If it's damaged or stolen, we can help.You just dropped your brand new vase? Not to worry. With the Purchase Protection Plan, you're (CE 104808) covered against accidental damage and theft for 90 days from the date of purchase. You Could Be Paying Too Much for Your Auto Insurance Call 1.800-842.3344 today and be sure to mention More than 75,000 Cardmembers have already made the switch to the reference code 1N9 to American Express Property Casualty companies' auto and home receive your quick, Insurance! We otter great rates—in fact, we beat our competitors' no-obligation quote! prices 54% of the timel* Plus, get valuable extras like free roadside Or, if you prefer, visit iinvw.ammicanexpress. assistance when you buy towing coverage, convenient payment com/autohome to options and the freedom to pick your own repair shop. request your quote. 'Price comparison data collected from respondents at time of contact. Statistics based Service you'd expect. on a countrywide average during a six-month period ening 3/31/03. Properly Casualty Savings you wouldn't.° insurance is underwritten by AMEX Assurance Company or IDS Property Casualty (CE 104813) Insurance Company, De Pere, WI. Discounts apply to certain coverages and vary by state. insurance not wreaks in all states. Request Your FREE Financial Workbook Order your FREE guide today by calling American Available from American Express Financial Advisors, our Smart Money Express Financial Management Workbook contains 18 pages of easy-to-follow Advisors Inc. at information including worksheets, checklists and charts. American 1.800-952.9271. Express Financial Advisors is here to help you achieve financial (CE 104793) success. In the complimentary workbook, you will find simple steps Inanclal and smart strategies that will help you find ways to reduce your taxes, Advisor_ plan for college, balance risks and investments, and determine your net worth. Call 1-800-952-9271. American Express Financial Advisors Inc. Member NASD. 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. EFTA01726768 DUPLICATE COPY 1:9'.:Erp.rta go your,account x: online, visit Optima® .ariii:riCantxprest;Cany, from American Express Ao:ourI floater omireper, 09/15/04 Page 1 cf 8 Stye Aidinty$ inc.Adult/tufa and Minimum Payment Duo Date Praiout BORIC'S etumentatia Sane Clwgee f eery Neer &llama S Amount Due $ 10/10/04 5,829.76 -117.00 +46.19 =5,758.95 115.00 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Unit $ on 09/15/04 9,800.00 4,041 00 8,100.00 4,041.00 Minimum payment due by payment due date. Remember, you can pay your bill online anytime, anywhere at www.amerlcanexpress.com/paybill. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $4,041.00. Contact us at www.amerlcanexpress.com or call Customer Service at 1.800-635-5955. Buyer's Assurance - Extend Your Warranty Up to One Year Whether you need a new leaf blower or it's back to school with your laptop, remember to use your Card when you shop this fall. When you charge the entire cost of your covered product to your American Express. Card, the Buyer's Assurance Plan will extend the terms of the original manufacturer's warranty up to one additional year on warranties of five years or less. For more information, visit us online at www.americanexpress.com/buyersassurance. Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0953. See Description of Coverage for complete details. Activity .hielt"Pmregd.° AmouM3 ,:cercs* AY,PAErg'WPvP:ACH 4;r: LXWO91,7• • 08/16/04 GIANT FOOD INC 4362 GERMANTOWN MD 16.08 023140031 GROCERIES 08/16/04 09/15/04 Periodic FINANCE CHARGE 30.11 Total of New Activity 46.19 Please fall on the peroration tdood,cW.xl, and reUnsetth yar fri)men: Continued on Page 3 Payment Due Date: Please enter account Payment Coupon 10/10/04 number on all checks and correspondence. Total New Balance To avoid additional $ 5,758.95 Finance Charges on Purchases, pay New Minimum Amount Due Balance before Payment Due Date. $115.00 Ii. MD 20876-5960 Note any address and/or telephone number change on reverse side. Unless you check here, this • change will apply to all of Amount enclosed your Card Accounts except any Corporate Card Mail Payment to: Accounts you have. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 IIIIIIIIIIIIIIIlllllll II IIIIIIII III 000575895000011500 16rIrl EFTA01726769 DUPLICATE COPY Afixelffroixorcom Page 2 of 8 )O00(- Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars aid drawn on a bank located in the US (other than a line of credit check issued by Amencan Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remittance stub attached and account number listed on the check. Please do not send postdated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at fist presentment and any re-presentments, To Pay By Phone tor/transmitting the amount of the check, routing number, account number and check serial number to your financial 1.800472.9297 institution. Your checlang account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account for the amount Customer Service of the check. Authorization for Electronic Payments:By using the American Express Pay By Computer, 1-800-635-5955 Pay By Phone or any other American Express electronic payment service, you will be authorizing Amencan Express 24 hours/7 days to inmate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at www.americanexpress.00m. International Collect Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. 1.336.393.1111 Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by aPPleg Hearing Impaired the daily periodicrate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash (Sam-5pm, EST) Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily TTY: 1-800-221-9950 Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous FAX: 1-800-695-9090 billing periods), (2) add any now transactions, or foes, (3) subtract any payments or credits, and (4) make any In NY: 1.800.552.1897 appropriate adustrnents. For each day after the first day of the billing period, we also add an amount of interest equal to the previous clay's daily balance multiplied by the daily periodic rate lot the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the biting period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if You Correspondence paid the New Balance if any, shown on your previous month'sstatement by the Payment Due Date shown on that statement. If you rarity the Average Daily Balance for each feature by the number of days in the biting period and the Customer Service daily periodic rate for at feature, the result will be the FC assessed on that feature, except for variations caused pouncing. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. This 777 American method of calculteing the Average Daily Belem* end FC results in daily compounding of FC. The minimum Expressway FC for any billing period in which FC are imposed is $0.50. Ft. Lauderdale, FL Billing Rights Summary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, Cr if 33337-0001 you need more mformaton about atransaction on your bill, write us on a separate sheet of paper at the address noted to the right. We must hear from you no later than 60days after we sent you the FIRST billon which the error or problem appeared. Funds Access Services You can telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. P.O. Box 53809 In your letter, give us the following information: 1. Your name and account number; 2. The th aw: amount of the Phoenix, AZ suspected error 3. Describe why you baieve there is an error. If you need more information, describe the item you are 85072-3809 unsure abcut. You do 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 Payments any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings PO BOX 360002 or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must FT LAUDERDALE reach us three business days before the automatic payment is scheduled to occur. Special Rule For Credit Card FL 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 duo on the 33336-0002 goods or services. You have this protection only when the purchase price was ram than $50 and tho purchase was made in your home.stale or wlhin 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the athertisement for the property orServices, all purchases &recovered regardless of amount or location of the purchase.) In Case of Errors or Questions About Your Electronic Transfers: Please contact us by clicking on the Customer Service link online at WWw.americanexcxess.com, or you can call us at 1-800-IPAY-AXP for Pay. By Phone & Pay By Computer issues, or-I -800.CASH.NOW for Express Cash & automatic payment issues. You can also writo to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRSTstatement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & correct any error promptly If we take more than 10 business days to do this, we will credit your account for the amount you think Isin error,so that you will have use of the money during the linen takesus to complete our investigation. Credit Balance: If a credit balance (designated `CR') iSShOWn on this statement,it represents money owed to you. You may make charges against the credit balance or request a refund. If you 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 indicating the credit balance, issue a check to you for the credit balance in your account if the amount is $1.00 or more. Creditor American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative listing of creditcard rates, fees and grace periods by caring 1.800-518.8886. Change of Address II cared on horn do not use Notre Company Nano 4.L 1 Steel Addsno City. Stale I I 1 DP Code Provking your email Alta Code and address to American Homo Piton. Express will enable you Ana and niammi to receive special offers, WorkColo Phan, suited to your needs. icon EFTA01726770 DUPLICATE COPY Pecorg Number OWN/ 0ge Page 3 of 8 )000(40000= 09/15/04 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodc Billing days this penod: 31 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 355.68 0.0260% 9.49% 9.49% 2.87 Cash Advances 0.00 0.0534% 0.00% 19.49% 0.00 ChecWBalance Transfer 5,424.57 0.0162% 5.90% 5.90% 27.24 30.11 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01726771 DUPLICATE COPY .- 'age 4 c`8 )000(-XXXX) EFTA01726772 Options: Monthly Statement and Page 5 of 8 Program News A me r it n Express* For questions about your Statement Period Membership Rewards account, contact July 1, 2004 - July 31, 2004 Account activity after this period does not appear on this statement 1-800-AXP-EARN (297-3276) Available Points vnvw.americanexpress.corr/rewards 1,575 American Express Membership Rewards PO Box 297813 Points are available when charges are paid in full and all your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 1,575 New points earned 0 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 1,575 New Points Earned 07/01/04 - 07/31/04 Points Activity On Bonus Points Total Po nts Activity Eligible Charges Awarded Per Card 0 0 0 Totals 0 0 0 ternbenshar Renate OcErens beds aarnes may be valve:no a redeemed as :tad az al eructed Cad azcents we in good wading. Pants traesItrred or Warmed traina be reverted beck Into the prawnn. Fortellore points can be reinstated ter a lee by camp the number prowess below. Ebbe Card chages are ceaned Ngre Ktarbership Rewards Caicos raceam Terra ad Cone oora rya Wentershd Rewards evicts Gide E yea tate cereadna please van trewstnerlainexpreas.canrmcmberehtprewordeOpEens a oil I 40:6 AXP:EARN (297: 32161r Fran Orestes, call toted 105416-2799. Earn More! New ways to earn points. Everything You Need, for Every Room in Your House at Pottery Barn At Pottery Barn, you'll find sophisticated furnishings with Visit www.amcrican exclusive designs that exemplify superb quality and timeless express.comirewards or call14,90-AXP-EARN P0TTERYB ARM style. Visit us today—we'll help you create rooms that make (297-3276). you feel welcome every time you walk in the door. (MR Message 5066) McCormick & Schmick's Seafood Restaurants Enjoy some of the freshest seafood available each and every To start redeeming today CCORMICK Renowned day or as National Seafood Month begins in October. for a $50, $100 or $150 gift card, visit wow. & SCHIVIICKS restaurant for their Fresh Approach' to dining, this group prints new menus daily to offer more than 30 varieties of the freshest seafood. Now is the ideal time to americanexpress.com/ rewards or cal 1.800-AXP•EARN SEAFOOD RESTAURANTS (297-3276). think gatherings or gift cards for the holidays. (MR Message 4524) To find a restaurant near you call 1-888-344-6861 or log on to www.McCormickandSchmicks.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. EFTA01726773 American Express ATE COPY BENFIB' Page 6 of 8 Earn Double Points at Tourneau • WatchFest 2004 Celebrate Watchfest 2004! Visit any Tourneau or Tourneau (Bonus ID 2308) Watch Gear Store during the entire month of October 2004, TOMMEAU SINCE 1000 and earn double Membership Rewards® points on any purchase when you use an eligible, enrolled American Express® Card. Not ,,tl. at Totorreau. las woos creation. To be Sabre to earn berm Pah* you nal be award h the Members/1p Rev.wee prewar:lathe tined purchase ad you must charge you paellas@ on to naiad AmelkanEipress Cant Dna Offs wit bo eredred to rote Membership Remarcb scant whin Be weeks ater charges lupe& on yeor Wins *tanner,. BOWE 0: 2300 Plan Your Next Vacation to Europe with SWISS SWISS offers daily service from Boston, Chicago, Los Once you have a swiss Swiss International Air Lines Angeles, New York's JFK, Newark, and Miami to more than 40 destinations throughout Europe. confirmed reservation, redeem for the desired certificate by visiting www.amedcanexpress. Redeem 40,000 Membership Rewards® points for an cons/rewards or call Economy Class Companion Ticket to Europe. Call SWISS at 1-800-AXP-EARN (297-3276). 1-877-FLY-SWISS (359-7947) to make your reservation today. (MR Message 8033) Fly EL AL Israel Airlines Your Israel experience begins with EL AL, Israel's National Visit vawtamerican Airline. Don't miss out on low fall and winter airfares to Israel express.contewards or SRI caB 1.800-AXP-EARN ELI-VAL:7M a with EL AL Israel Airlines. Or, you can always transfer (297-3276) to redeem Ire not just an airline. Israel. Membership Rewards® points to Matmid Club points. Every points. seat on the 777 and 747-400 aircraft have personal TV monitors offering a wide choise of in-flight entertainment. Call EL AL at 1-800-223-6700 or 212-768-9200 to make (MR Message 7355) reservation, then visit www.americanexpress.com/rewards or 1-800-AXP-EARN (297-3276) to redeem points. Transfer Membership Rewards® Points into Rapid Rewards® Credits and Earn a Roundtrip Flight! Transfer 20,000 Membership Rewards points into Rapid To transfer Membership Rewards Credits and receive a fully transferable Roundtrip Rewards points to Rapid Rewards Credits, go to Award on Southwest Airlines. visinv.emericanexpress. SOUTHINESTAIRLINES comirewards or call RARDREWARDS Southwest Airlines offers low fares on more than 2,800 daily 1.800-AXP-EARN (297-3276). A SYm ROL or FREEDOM- non-stop flights to 60 U.S. destinations. Unrestricted seating for Award travel, limited blackout dates and Awards that are (MR Message 4510) valid for one full year give you the flexibility to decide when and where you want to fly. Offers are made only to Cardmombors who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726774 DUPLICATE COPY r.c.co.c.r cc. Claire Ode Page 7 of 8 XXXX-X X X XM 09/15/04 CustornExtras- Carry the TravelFunds® Card from American Express TravelFundsa Card from American Express is The safety of Travelers Cheques with the convenience of a Card. The accepted at millions of prepaid, reloadable TravelFunds Card from American Express is a places that accept safe way to carry money when you travel. Unlike debit cards, it is not American Express° Cards. Purchase yours linked to your bank account. You'll also have access to valuable travel today at www.american services such as passport/credit card replacement assistance.* express.com/buytfc or by calling 'Proof of TravelFunds Card purchase may be required. Credt card replacement assistance BUY-TFC. is for major bank-issued credit cards only (not for retail store, gasoline, calling cards, etc). Fees for passporUcredit card replacement assistance are the sole responsibility of the (CE 104838) customer. ATM fees apply. For complete terms, visit wvAv.americanexpress.com/buytk or call 1.888.412.6945. Affordable Australia with American Express Travel To plan your vacation and For those who long to take home more from a vacation than pictures and for details on additional AMF RICAN souvenirs, American Express Travel is offering 8-night air and hotel vacations to Australia offers, call DaZI-IL SS Sydney and the Great Barrier Reef from $1,889 per person from Los Angeles. American Ewess Travel Call American Express Travel at 1.888-AXP-0102 to find out how 8 nights can at 1-888-AXP-0102. change your life. (CE 104847) Rates USD, based on double occupancy, lowest hotels/room categories, Monday-Wednesday LAX departures. Travel must be purchased by 12/31/04 and completed by 3/31/05. Price as shown available 8/29/04 - 12/05/04 and then 2/24/05 - 03/31/05. Rates available for other dates, hotels and air gateways. Add $35 for each Thurs-Sun trans-Pacific flight. Seats limited and may not be available on every flight. Hotels subject to availability. US/foreign taxes of approximately $180, Inducing September 11th Security Fee and $5 PFC, additional. Terms and conditions apply. CST #1022318-10;TA-149 registered Ohio travel agency, TA-002 registered Iowa travel agency, NV # 2001-0126, ML-1192, Washington UBI #600-469-694. PROMO CODE: 075M01. Earn 5,000 Marriott Rewards Points for Every Third Stay! To qualify for promotion From 9/15/2004 through 1/31/2005, Manion Rewards is making it easier for you benefits call Aarnott to accumulate valuable points to get to your dream vacation faster. When you 1.888.977.7012 to REWARDS. reserve and pay with your American Express Card at any participating Marriott register. hotel worldwide during offer time period, you'll receive 5,000 Marriott Rewards bonus points for every third stay. And you can earn up to 25,000 bonus points to (CE 104829) spend the way you choose. To take advantage of this offer, register by calling 1.888-977-7012. Registration Is required. Nights spent while redeeming an award are not eligible for credit. The Marriott Rewards bonus offer is valid only for qualifying stays made between 09/15/2004 and 01/31/2005. Use your American Express Card to pay for qualifying stays to earn bonus points. Up to a maximum 25,000 bonus points awarded per Cardmember for this promotion. All Marriott Rewards program terms and conditions apply. Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726775 DUPLICATE COPY Pr cd For Page 8 of 8 V u X)OO( Yj6ra Now Accepting American Express® Cards! If there are other places where you would like to Active.com - Register online for events and activities in multiple see the Card accepted, sports. Call 1-888-543-7223 or visit www.active.com for event crease call the Custcmer listings. The Active Network, Inc Service number that is located at the top of your statement or the number L&M Produce Co. - One of the largest Produce companies in that is on the back of your Maryland. Serving businesses and restaurants in the Baltimore/ Card. Washington areas. 41O-799-7721. (CE 104850) M.R. Duck's Apparel and Gifts - Located in Ocean City, Maryland and Myrtle Beach, SC. For more information on store hours and locations, please call 1-800-MR DUCKS. Wake Up in the Windy City with Hyatt Make your reservation today at wynv.hyatt.com/ Stay at a Chicago area Hyatt Hotel between August 15 and October wakeup. 15, 2004 and receive a complimentary continental breakfast for up to two guests for every day of your stay when you book on Hyatt.com (CE 104830) II \-1. I and pay with your American Express® Card. Enter offer code WAKEUP when making your reservation. Visit www.hyatt.com/wakeup for details. Offer valid at all Chicago area Hyatt hotels except Park Hyatt Chicago. To qualify you must book your reservation on www.Hyatt.com, request WAKEUP, pay an eligible rate, guarantee and pay with your American Express Card. Subject to availability. Other restrictions apply. 2004 Hyatt Corp. Are You Overpaying For Personal Checks? Order now at vAvvramexpub.com/ Tired of the inconvenience of ordering your personal checks through checics!statement or call your bank? Since 1997, American Express Publishing has been 1-800-652-2314 to request offering personal and business checks and accessories to a brochure. Cardmembers at prices up to 50% less than financial institutions. (CE 104911) ss Other quality products we offer are address labels, deposit slips, Publishing 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 guaranteed. Order your checks now from a trusted name—American Express. Online Fraud Protection Guarantee To learn more, visit WWW.2Maricanexpross. When you use the American Express® Card online, you won't be corn. responsible for any unauthorized charges. Period. No fine print, no deductible--just pure protection, so you can shop with confidence (CE 104909) anywhere on the Internet. Should any unauthorized charges appear on your statement, simply notify us by calling the number on the back of your Card. Mortgage Rates Are Low! Contact us today! Call 1-800-297-1008 or visit vAvw.amerIcanexpress. If you're looking to buy a home or to refinance your current corn/mortgages. Use mortgage, American Express Mortgages* can save you hundreds of offer code C92. dollars a month in mortgage payments. Plus, it's fast and easy to get (CE 104895) a same-day loan decision. RAM *Mortgage loans are provided by American Express Bank, FSB, an FDIC-insured federal savings bank. American Express Bank, FSB, is an American Express company and an Equal Housing Lender. 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. EFTA01726776 DUPLICATE COPY TOmanago$ Optima® 4600040? from American Express eatoum Number Closhando 10/15/04 Page 1 of 8 Newt dSty S Mpernerila rd WitImm Payment Due Date Ptevicus &Mecca PetmericMHH$ Force Chaves Vary nmeatareeS AflurSotioS 11/09/04 5,758.95 -115.00 +28.75 =5,672.70 113.00 Please refer to page 2 for important information regarding your account Credit Line Total Credit Available Credt Cash Advance Available Cash Summary Line $ Line $ limit $ Unit $ on 10/15/04 9,800.00 4,127.00 8,100.00 4,127.00 Minimum payment due by payment due date. Remember, you can pay your bill online anytime, anywhere at www.amerIcanexpress.com/paybIll. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $4,127.00. Contact us at www.americanexpress.com or call Customer Service at 1-800-635-5955. • Identity Theft Assistance - Free from American Express No matter how careful you are, identity theft can happen to you. But here's the good news: With Identity Theft Assistance, we have representatives on call when you need them--24/7--in case the unexpected does happen. We can help you determine if you are a victim of identity theft, recommend steps for recovery, and offer tips on how to protect yourself in the future. On request, we will 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. Visit www.amerIcanexpress.com/Icientilythettassistance to learn more. . y Activity " ° Amounts 0/06/04 • • PAYMENTRECEIVED ACk1,4HANKflypiJ 10/06,4.4: /5:aO Amounts 10/15/04 Periodic FINANCE CHARGE 28.75 Total of New Activity 28.75 + Pow lad uo te pert:moon Weft, Cet Ch ad return wth your morma Continued on Page 3 Payment Due Date: Please enter account Payment Coupon sal 11/09/04 number on all checks and correspondence. Total New Balance To avoid additional $ 5,672.70 Finance Charges on Purchases, pay New Minimum Amount Due Due Balance before Payment Date. $113.00 Mi A a MD 20876-5960 Note any address and/or telephone number change on reverse side. Unless you checrr here, this change will apply to all of Amount enclosed your Card Accounts except any Corporate Cztd Mail Payment to: Accounts you have. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I=MIII:300.567270000011300 16r4r1 EFTA01726777 DUPLICATE COPY Amount Naar Page 2 of 8 KOCOOCca • Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments, must be in US Dollars and drawn on a bank located In the US (other than a line of credit check issued by American Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remittance stub attached and account number listed on the check Please do not send post-dated checks. They wit be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments, To Pay By Phone by transmitting the amount of the check, routing number, account number and check serial number to your financial 1.800-472-9297 institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot coiled the funds electronically at first presentment, we may issue a draft against your account for the amount Customer Service of the check. Authorization for Electronic Payments:By using, the American Express Pay By Computer, 1.800.635.5955 Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express 24 hours/7 days to initiate an electronic debit to the financial account you specify In the amount you request. To use Pay By Computer, please visit us at vnywamericanexpress.com. International Coiled Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. 1-336-393-1111 Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by anteing Hearing Impaired the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash (9a Span EST) Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily TTY: 1-800-221-9950 Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous FAX: 1.800.695.9090 billing periodsi , (2) add any new transactions, defoits, or fees, (3) subtract any payments or credts, and (4) make any In NY: 1.800.552-1897 appropriate a ustments.For each day after the first day of the billing period, we also add an amount of Interest equal to the previous days daily balance multiplied by the dally periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, ft is considered to be zero. Then, we add yp all the daily balances for the feature for the billing period and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For ail features except Cash Advances ancfcenain promotions, the Average Daily Balance wit: be considered to be zero ifyou Correspondence paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown cn that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the Customer Service daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by 777 American rounding. The trial FC for the billing period is calculated by adding the FC assessed on all features of the Account. This method of calculating the Average Daily Balance and FC results in dally compounding of PC. The minimum Expressway FC for any billingff rid: in which FC are imposed is $0.50. Ft. Lauderdale, FL Billing Rights mmary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if 33337-0001 you needmore in ormation about a transaction on your till,write risen a separate sheet of paper at the address noted to the right. We must hear kern you no than 60days after we sent you the FIRST bill on which the error or problem appeared. Funds Access Services You can telephone us at the number indicated cn the front of this statement, but doing so will not preserve your rights. P.O. Box 53809 In your letter, give us the following information: 1. Your name and account number; 2. The dollar amount of the Phoenix, AZ suspected error; 3. Describe why you believe there is an error. If you need more information, describe the item you are 85072-3809 unsure about. You do 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 Payments any action to co'lect the amount you question. If you have authorized us to pay your bill at loma:ically from your savings PO BOX 360002 or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must FT LAUDERDALE reach us three business days before tho automatic payment is scheduled to occur. Special Rule For Credit Card Ft. Purchases: If you have a problem with the quality of goods or services that you purchasedwith a credit card, and you have tried in good farth to correct the problem wfth the merchant, you may not have to pay the remaining amount due on the 33336-0002 goods or services. You have this protection only when the purchase pricewas more than $50 and the purchase was made in your home state or witherl 00 miles ol your mairng address. (If we own or operate the merchant, or if we mailed you the. aMrtisement for the properly or services, alpurchases arecovered regardless of amount or location of the purchase.) In Case of Errors or Questions About Your Electronic Transfers: Please contact us bycriairg on the Customer Service Link °nine at wnny.americanexpress.com, or you can call us at 1.800-IPAY-AXP for Pay By Phone &.Pay-By Computer issues, or 1-800-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRSTstalement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error cr the transfer you are unsure of, & expein as dearly as you can why you believe there is an error or why you need more information. We will Investigate your complaint & correct ww error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Credit Balance: If a credit balance (designated 'CR, is shown on this statement, it represents money owed to you. You may make charges against the credit balance or request a refund. If you do not make sufficient charges against the credt balance or request a refund, we will, within 30 days after 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 in your account if the amount is $1.00 or mote. Creditor: American Express Centurion Bank New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8866. Change of Address II correct on Irom 6a nor on Name Cavan/ Name Stron Addams Coy. Side r Zp Code Providng your email Area Coda and addressto American Home Prone Express will enable you Ana code and to receive special offers, Wock Phone Erna nj sufted tO r:or needs. EFTA01726778 DUPLICATE COPY ed Fa iccourd NhAroe, C iv) Page 3 of 8 XXXX-XXXX 0/15/04 Average Daily Day Actual ANNUAL Nominal ANNUAL Periods Finance Charges Padlock Rate PERCENTAGE PERCENTAGE FINANCE Billing days this period: 30 Balance $ CHARGE; RATE RATE 358.56 0.0267% 9.74% 9.74% 287 Purchases 0.00 0.0541% 0.00% 19.74% 0.00 Cash Advances 5,326.01 0.0162% 5.90% 5.90% 25.88 Check/Balance Transfer 23.75 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01726779 DUPLICATE COPY 4 c13 )000w0000 . EFTA01726780 MembeNINCtrefaills Options' Monthly Statement and Page 5 of 8 Program News Anscrican Express' For questions about your Statement Period Membership Rewards account, contact August 1, 2004 - August 31, 2004 Account activity after this period dces not appear at this statement 1-800-AXP-EARN (297-3276) Available Points wymamericarie)gxess.00nVrewards • konount Nitrite. 1,575 N American Express Membership Rewards PO Box 297813 Points are available when charges are paid in full and all your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 1.575 New points earned 0 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 1,575 New Points Earned 08/01/04 - 09:31/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 Totals 0 0 0 Idernbershp Fleeted, Options rants ended may be transierred a red0ornad OS WM as di cnietd COW fiestas a good slatirsla Pont, trersterroi or reckemed canna be reamed bask two the program FOrteltee points airs be reinstated Ire a tee by galling the number provided below. Eligo.Care chapel me cultNd'n the Lkerraeratip Rewards Owed* inseam Tome and Cecdnons in your Ittenitorshis Reneges Opecas Guid. N you havequa:owe. pleanevisit wtvw.entedcanexpreseeonsfmembentblprewarettoptiorts or col 1-830.AXP-EARN (297-3274 Fern oversew, eel cored 305416a. Important Notice Regarding Marriott Rewards® Option As of January 1, 2005, point transfers into the Marriott Important Message: Rewards program will no longer be an option in the Marriott Rewards* to leave the Membership Rewards') Membership Rewards® program. All point transfers into the Program. Marriott Rewards program must be complete by December 31, 2004. Please remember that any Membership Rewards To see the full array of point transfers into the Marriott Rewards program are rewards accessible to you, log on to www.american considered final and non-refundable. express.com/rewards. Marriott certificates will remain a reward option In the (MR Message 5069) Membership Rewards program. Earn Bonus Points at Top Retailers Through Milesmall.com Here's a great way to earn bonus points at 150 of the most Visit www.MIlesmall.com/ well-known brands. Enroll at Milesmall.com and when you amedcanexpress to enroll MiLesrthacom shop through their online mall using a registered American and register and start earning bonus points Express® Card--you can earn bonus points for your today! Remember you can purchases all year round. Visit www.Milesmall.com/ only earn bonus points americanexpress to register and see how many bonus when you link though Milesmalcom. points can be earned when you shop with Milesmall.com. &rained and ken and conform fa ktlecrnolloOrn oat*. To bo 019Ide to earn bonusOda Pre mil (MR Bonus ID 2449) be emoted in en Prentershp Refuted program re ere into tg pintas. and you trust dame your porches. on en eat*, °mind Annaba. Elpflie4 Card. Scour NOCNS Nil be creedal to your Progrwn arcoue wain 1042 Weal oiler charges Cfp...11on your blind Valmont. Program sand Iron MOWN to 03.0646. 2449. 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. EFTA01726781 American Express• ATE COPY • Acccuril Number Page 6 of 8 Earn Five Membership Rewards® points from Sharperimage.com This Holiday Season Find unique gift ideas and earn five Membership Rewards Shop at www.sharper THE points for virtually every dollar you spend when you shop at imagtoomiamoxpoints today and earn five points www.sharperlmage.com/amexpoInts. The Sharper Image SHARPER shares the fun of discovering innovative products that make kr every dolar you spend this holiday season. IMAGE' life easier and more enjoyable. As one of America's premier specialty online retailers, sharperimage.com is a great place (MR Message 3243) for great gift ideas this holiday season. O6ervald ONLY when you go lo vivirasharporimace.comianorpointa Waugh 1241.04. Town taw pods youtrutt be ayeaci in the Weroastap ReNath pogram al the &no ct= tZ ts a chaw$ Wax puma** *an Noble: etecaal Ma' tan Ewan. Ord NO WA in stew, la The Sloapec Won Auden Oillef tears apply. Bonus Ports w.1 to cradled 10 year MentoisatiRrivarn account 10-12 week, aller chtges WWI on ycir Wog Wawa Bono 10: 1076. Plan Your Next Ski Vacation with Aspen/Snowmass Redeem Membership Rewards® points for Aspen/Snowmass To review these rewards for your next ski vacation. You can redeem points for and redeem points, visTt wmv.amedcanoxpross. ASPEN(JSNOWMASS certificates for skiing, snowboarding or rentals at each of the tour mountains--Snowrnass, Aspen Mountain, Aspen comirewards cr call 1.800-AXP-EARN Highlands and Buttermilk. For more information, call (297-3276). 1-800-525-6300 or visit www.aspensnowmass.com. (MR Message 3376) Rewards veld through Apia 11, ZOE, Reward Yourself at Linens'n Things Linens'n Things is the one-stop superstore for all your home To find one of the nearly fashion, houseware, and home decorating needs. All the 500 locations nationwide nearest you, call toll-free brand names you trust at guaranteed low prices everyday. LINENS•N•THINGS' Linens'n Things. DREAM BIG. PAY LITTLE. 1.866-568-7378 or shop ww.v.INT.com anytime. (MR Message 9084) New! Redeem Membership Rewardse Points for a $50 Benihana Gift Card Am CS itella,exprial Experience one of the longest running dining shows in the. " To redeem 5,000 points for world. Watch your personal chef entertain you with a • $50 Benihana Gift Card, visit www.american laughter-filled dining experience. At Benihana, enjoy an A-ae. 11 p experience at every table! For door-to-door directions, please visit us at www.benihana.com or call 1-877-BENIHANA express.com/rewards or call 1.600-AXP-EARN (297-3276). (236-4426) for the location nearest you. (MR Message 6116) Limited Time Offer from Rail Europe! For a limited time, redeem 15,000 points and receive a To review these rewards certificate for $100 off any Rai! Europe booking of $350 or and redeem points, visit vnmamoricanoxpress. more. This offer is valid for bookings between October 1, com/rewards or call 2004 and November 31, 2004. So act fast. 1-800-AXP-EARN (297-3276). Rail Europe is one of the largest suppliers of European rail (MR Message 3190) and travel services in North America. Packages Wad on two PC& traveliaa taro, WWI to tioabblay. Caton loirckoul dotes tepif. Let Delta Make That Dream Vacation Come True Delta and Delta's worldwide airline partners can take you to Not already a SkyMiles over 480 destinations in 87 ccuntries. Visit www.delta.com member, call 1.800-323.2323 to sign up! for redemption options. (MR Message 5026) 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. EFTA01726782 DUPLICATE COPY Accoten, Numb« Cksirg Data Page 7 of 8 Min )000(-)000al 1 0/15/04 CuStomExtras- Save Money and Time with Balance Transfers! Go to www.amerIcan express.com/bt3 to Save money and time when you transfer balances from your transfer a balance today! higher-rate credit cards to your Optima® Card account. With our competitive rates, you can save money on interest charges and save (CE 104974) time managing your finances with one monthly payment. To take advantage of or learn more about this offer, go to www.americanexpress.com/bt3. Visit Bermuda - Resort Credit & Up to $100 Statement Credit To plan your vacation to Bermuda and for details Bermuda. A perfect getaway, just 2 hours from the East Coast. Other Islands on your Cardmember offer an escape from chilization, Bermuda offers a chance to bask in it. A colorful Annual Travel Benefit, and elegant Island with great scenery, golf courses, tennis courts, world-class call American Express Travel tol-free at spas, sophisticated shopping and gourmet dining. Fall and winter are perfect 1.866-AXP-4898. GSM times to enjoy the outdoors. Ride a moped through cobblestone streets, past 1022318-10, TA-149 Parliament, and pink sand beaches. Simply reserve your vacation of four nights Registered Ohio Travel or more with American Express. Travel to receive $150 resort credit to be used Agency, Washington UBI# for hotel amenities including food and beverage, spa treatments, golf and water 600.469-694, ML#1192. sports where available' and if you qualify, take advantage of your Annual Travel PROMO CODE: Benefit"--a statement credit up to $100. 0134:001. (CE 104976) 'On new bookings from 9/1/04 to 2/28/05. Travel through 3/31/05. Restrictions may apply. Resort Credit of $150 can be used towards food and beverage, spa treatments, golf and water sports where available. Resort credit only valid at hotel booked. Taxes and gratuities not included. These travel offers are not affiliated with Costco Travel (CWC Travel). purchase offered by a vacation package operator through participating American Express Travel Services U.S. locations of 52,000 or more per booking for 5100 credit, or only for Gad, Platinum Card* and Centurion' Charge Card members, $2,500 or more for $150 credit. Not valid on independent air/hoteVcar rental reservations. Available once per Card account per year. May only redeem 1 per booking. Terms and conditions apply. Claim Your FREE VIP Thank You Worth Up to $50.00! Call 1.800.586.5259 now for details to claim your As an American Express® Cardmember, you're entitled to a FREE VIP favorite VIP magazines Thank You worth up to $50.00. Simply call by December 1, 2004 to worth up to $50.03. claim up to 3 of your favorite magazines FREE for six months-- Quantities are limited. compliments of American Express. Quantities are limited. So call now Call now to claim your FREE VIP FREE VIP Thank You. to guarantee your selections and find out full magazine subscription THANK YOU details. Campaign Code 28837. (CE 104980) Think All Car Insurance Rates Are the Same? They're Not! Call 1.800.842-3344 today and be sure to mention Maybe last year your car insurance premium went up. But this year reference code 1N9 to perhaps it didn't go up as much--or at all. No increase...so no point receive your quick, shopping around...all insurance companies' rates are the same no-obligation quote. Or, if you prefer, visit anyway. The American Express Property Casualty companies could amedainexpress.com/ still save you money. In fact, we beat our competitors prices 55% of autohome to get your the time.* quote. 'Price comparison data collected from respondents at time of contact. Statistics based on a countryvnde average during a 12-month period ending 9/30/03. Property Casualty (CE 104985) insurance is undenvntten in De Pero, WI by AMEX Assurance Company (licensed in all 50 states, Puerto Ron and Canada) or IDS Property Casualty Insurance Company (licensed in AZ, CA, IL, IN, MN, SD, TX and WI). Insurance not available in all stales. 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. EFTA01726783 DUPLICATE COPY Account Nutter Page 8 of 8 )000000:Xa Buyer's Assurance • Extend Your Warranty Up to One Year For more information, visit us online at It's Murphy's Law--just as soon as the warranty expires, the toaster, www.americanexpress. wireless phone, or coffeemaker falls apart. But when you're shopping commuyersassurance. this fall, remember, if it's an eligible item, charged entirely to your Card, you're protected. The Buyer's Assurance Plan extends the (CE104990) terms of the original manufacturer's warranty on covered items up to one additional year on warranties of five years or less that are eligible in the U.S. Underwritten by AMEX Assurance Company, Administrative Office, Green Bay WI. Coverage is subject to the terms, conditions and exclusions of Policy AX0953. See Description of Coverage for complete details. Now Accepting American Express® Cards! If there are other places where you would Ike to Eteamz - Teams and leagues in more than 100 sports use eteamz see the Card accepted, websites and services. Visit www.eteamz.com or call please call the Customer 1-888-543-7223. eteamz is part of The Active Network, Inc. Service number that is located at the top of your statement or the number Fur Nightclub - A premier nightclub with endless possibilities will be that is on the back of your awakening Washington, DC, in September 2004. Please visit our Card. websito at www.furnightclub.com. (CE 104939) American Express® Gift Cards - Good All Over the Place! Buy, your Card at participating in-person American Express Gift Cards are accepted in millions of different locations, online— at places,* for millions of different things. From sporting goods to sushi www.americanexpress. and for holidays or special occasions, be sure to give your loved ones comrgift or via phone at exactly what they want, every time. Unlike store gift cards or 1-868-256-GIFT. certificates, American Express Gift Cards never expire and are (CE 104986) replaceable it lost or stolen.** Buy American Express Gift Cards today--the perfect gift, every time. 'The Card is good in the U.S. wherever American Express Cards are accepted. Cards' fees may apply. —The remaking funds on the Card can be replaced, replacement card fees may apply. "'Online sales through Cheques-on-Line, Inc. Card and shipping fees apply. For complete terms, visit www.americanexpress.com. Travel Accident Insurance at No Additional Cost To learn more, visit www.americanexpress. It's easy to better protect yourself and your family with up to $100,000 corn. in Travel Accident Insurance. When you travel, charge your ticket to the Card, and you'll receive automatic coverage for accidental death (CE 104995) and dismemberment when aboard a Common Carrier Conveyance (plane, train, ship; helicopter or bus). Depend on your Card to offer you this extra protection while traveling. Travel Accident Insurance is provided under Policy PX0948, underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is only available to Permanent Residents of the United States, Puerto Rico, and the US Virgin Islands. Coverage is subject to the Terms, Conditions, and Exclusions of the Policy. The Purchase Protection Plan • at No Additional Charge For more information, call 1.800.322.1277. If it's damaged or stolen, we can help. You just dropped your brand- new vase? Not to worry. With Purchase Protection, your purchases (CE 105011) are covered against accidental damage and theft for 90 days from the AMIERIGWJ date of purchase. 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. EFTA01726784 DUPLICATE COPY Toananagwypur accomnt Optima® aN:reiicanexprenscEint from American Express CkergDa4 11/14/04 Page 1 of 8 New Adny $ in Admtoss ard Minimum Payment Due Date Prviaus Sabre.** Maras Mimes d any Nen edam.* Amount Due $ 12/09/04 5,672.70 466.02 =5,738.72 228.00 Minimum Amount Due Includes: Past due amount $113.00 This month's amount due Credit Line Total Credit Available Crecit Cash Advance Available Cash $115.00 Summary Line $ Line $ Unlit $ Limit $ Please refer to page 2 on 11/14/04 9,800.00 4,061.00 8,100.00 4,061.00 for important informatbn regarding your account Your account is past due. Please remit payment immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $4,061.00. Contact us at www.americanexpress.com or call Customer Service at 1-800.635-5955. Introducing My WishList Holiday wish lists aren't about what you need, they're about the things you want So to say thanks for being a Cardmember we'd like to introduce My WishList. Everyday, from November 22 through December 20, 2004, you'll have the chance to grab one of this holiday's most sought-after items--all at special Cardmember-only prices. Just go to www.mylifemycard.com/mywishlist for full details. Quantities will be limited, and the products will only be available at certain times each day. So you've got to be there first and keep coming back. And who knows? If you're fast enough, you just might get what's on your holiday wish list. It all starts online November 22nd at 12pm EST sharp. Make sure you're there. Amount S Activity frd'eanc."`a* Total of Payment Activity 0.00 Amount New Activity for °apnoea. 11/11/04 DELINQUENCY FEE ASSESSMENT 35.00 MIN PAYMENT NOT RECEIVED BY DUE DATE 31.02 11/14/04 Periodic FINANCE CHARGE Total of Now Activity 66.02 Continued on Page 3 * Sean fdd mMa penal** Wow, deiach and tetra *A your parnert 4 Please enter account Payment Due Date: number Payment Coupon on al checks and 12/09/04 correspondenc e. Total New Balance To avoid additional $ 5,738.72 Finance Charges on pay New Purchases, before Payment Minimum Amount Due Balance $228.00 Due Date. GERMANT W MD 20876-5960 Note any address and/Or telephone number change on reverse side. Unless you check here, this change will apply to all of Amount enclosed your Card Accounts except any Corporate Card Mail Payment to: Accounts you have. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I 11,1..1.k...till 00°573872000022800 ISrld EFTA01726785 DUPLICATE COPY ALCOUNI NUTS( Page 2 of 8 >CaX4COOO Payments: Payments received after 12:00 noon or on weekends or holidays may not be credted until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remittance stub attached and account number listed on the check Please do not send .post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically, at first presentment and any re-presentments, To Pay By Phone by transmitting the amount of the check, routing number, account number and check serial number to your financial 1.800.472.9297 institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account for the amount Customer Service of the check. Authorization for Electronic Payments:By using the American Express Pay By Computer, 1.800.635.5955 Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express 24 hours/7 days ter initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at www americanexpress com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. International Collect Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. 1.336.3934111 Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calailate FC on your AceOurit. Under this method, we figure the FC on your Account by applying Hearing Impaired the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash (9am-5pm, EST) Advance and Balance Transfer features) of your Account (includng current transactions). To get the Average Daily TTY: 1-800-221-9950 Balance for each feature, we (1) take the beginning balance for the feature each day (ineudrng unpaid FC from previous FAX: 1.800.595.9090 billing periods), u (2) add any new transactions, debits, or fees, (3) subtract any payments or credits, and (4) make any In NY: 1.800-552.1897 appropriate a ustments. For each day after the first day of the billing period, we also add an amount of O interest eq to the previous days daily balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the Feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all,the at, balances for the feature for the biting period and divide the total by the number of days in the billing period. Thus gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance wil be considered to be zero if yOu Correspondence paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the baling period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by Customer Service rounding. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. This 777 American method of calculating the Average Daffy Balance and FC results In daily compounding of FC. The minimum Expressway FC for any billing periodin whith FC are imposedis $0.50. Ft. Lauderdale, FL Billing Rights Summary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if 33337-0001 you need more information about a transaction on your bill, write us on a separate sheet of paper at the address noted to the right. We must hear from you no later than 60 days after we sent you the FIRSTbill on which the error or problem appeared. Funds Access Services You can telephone us at the number indicated on the trent of this statement, but doing so will not preserve your rights. P.O. Box 53809 In your letter, give us the following information: 1. Your name and account number; 2. The dollar amount of the Phoenix, AZ suspected erro.r,- 3. Describe why you believe there is an error. If you need more information, describe the item you are 85072-3809 unsure about. You do 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 weinvestigate your question, we cannot report you as delinquent or take Payments any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings PO BOX 360002 or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must FT LAUDERDALE reach us three business days before the automatic payment is scheduled to occur. Special Rule For Credit Card FL Purchases: If you have a problem with the quality of goods cr services that you purchased wah 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 33336-0002 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 mies of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the propedy or services, all hases are covered regardless of amount or location of the purchase.) In Case of Errors or Questions About Your Electronic Transfers: Please contact us by clicking on the Customer Service Unk online at www.americanexpress.com, or you can call us at 1.800-IPAY-AXP for Pay ByPhone & Pay By l• • Computer issues, or 1-803-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indcated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no la. Tell 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name & accourA number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure o14 explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think Credit n error, so that you will have use of the money during the time it takes us to complete our investigation. C Balance: If a credit balance (designated*CW) is shon w on this statement, it represents money owed to you. You may make charges against the crecR balance or request a refund. If you do not make sufficient charges against the credit balance or request a refunii,we will, within 30 days alter expiration of the six-month period following the date of the first statement indicating the credt balance, issue a check to you fcr the credit balance in your account if the amount is $1.00 or more. Creditor. American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative fisting of credit card rates, fees and grace periods by cairng 1.800-518-8866. Change of Address H cower on front do not Me Name Ccenpany Name Shoot Addretra City, Vale LP Code F I I I I I I I I I I Providing your email Area Cede and address to American Hare Photo Express will enable you Area Code and to receive special offers, j Work Phone sutedto your needs. Email EFTA01726786 DUPLICATE COPY Acorn' Nate( cake Oak) Page 3 of 8 )0000p000Mill 11/14/04 Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Finance Charges Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE Biting days this penod: 30 RATE $ 363.79 0.0493% 17.99% 17.99% 5.38 Purchases 0.00 0.0541% 0.00% 19.74% 0.00 Cash Advances 5,275.04 C.0162% • 5.90% 5.90% 25.64 ChecWBalance Transfer 31.02 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified hi the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01726787 DUPLICATE COPY x)Ti Ac ormom Page 4 of 8 O EFTA01726788 MembePliffingliiiirils Options" Page 5 of 8 Monthly Statement and Program News A merle Xprei$ „"a testerencriSHIP For questions about your Statement Period Membership Rewards account, contact September 1, 2004 - September 30, 2004 Account activity after this period does not appear cn this statement PV IR [WA R.°). 1 1-800-AXP-EARN (297-3276) Available Points vrww.americanexpness.corri/rewards idoniserds Rewardtd, totorse Marlow 1,591 American Express Membership Rewards Points are available when charges are paid in full and al your accounts are in PO Box 297813 Ft. Lauderdale, FL 33329-9785 good standing. Opening points balance 1,575 Account Summary 0 New points earned Points transferred or redeemed 0 Reinstated points and adjustments +16 New points balance 1,591 New Points Earned Bonus Points Total Points Activity 09/01/04 - 09/30/04 Points Activity On Awarded Per Card Eligible Charges 0 0 0 0 0 0 Totals Reinstated Points and Adjustments Date 09/01/04 - 09/30/04 Number Of Points Sept Earned Pts Adj 16 9/28/04 Total 16 ate In g-sed stendrg.Fo re, k6entecen,Ranks Coors airs eantio maybe tress:erred or le:Items:a as Sagas Flaw:1W Card eXOWIS a fee by caning the number provided transferred a reG0401e1earea be reversed Cork err, the proamm. Forfeited pointscan be reinstated for below. Elgter Cudcharges ere milted in the timbre:Iv Rewards Cpbone program Terms and Cardboard in your Stembeishp Rewarder mberablprewardsoptIons or Cril 1400-AXP-EARN (2.47-3276). cc .:no ewers 1 you bade poetriens, please ml www.arnertcs nexpressberterne From CritadreaS, cal coke,P05816-2790. Membership Rewards Announces New Car Rental Program Check out the upcoming AS tit olive" '' • Effective January 2005, the Membership Rewards® program 2005 Annie!Program will enhance its car rental program by offering certificates Guide for more details. from Avis, Hertz and its new partner Enterprise. Program benefits will include: applicability to best available rate and (MR Message 8060) additional discounts for Membership Rewards enrollees. &btu to Tie lerine and oorot.s cbsetrve Jr:racy 1, 200& Terns andcattrions nwyverY byFt. Centro:es Iran 8r et, Dam, Malone' and Thity wilts bused Preen), December 31, 2004, *xi wl bo said 6 names !fan 044044u*. Earn 1Ox points with FlowersUSAt Earn 10x points when you Choose from festive floral arrangements and earn 10x visit vnvw.FlowersUSA. Membership Rewards® points when you shop at FLOWERS www.FlowersUSA.com/amxmr. We offer fresh, beautiful com/amxmr or call 1.800.8736165 and give floral arrangements and quality specialty gifts that the promo code 9951. *S * A recipient is sure to enjoy. Holiday flowers and gifts starting at (Bonus ID 1687) $29.99! Same-day delivery available! Rowan UM oiler wildthrough 173100. Net void h rata stores a in oonjurclicawah and other ceer Irancite tired Tote eI9tle to earn beaus points yaw mat be entoned nibs Mentersbip Rewards program will be pun:nese and charge your nwobase lo en eiglore, erect orl Ameba, Express0 Card. Bens POitil bileg aedted to you: Merrier hp Forwards scarf widen 10.12 ends the, charge appear on your ttatement Bona IC: 1617 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. EFTA01726789 American Expresso* ATE COPY thgat. d¢cunt Nunber Page 6 of Earn Double Points at Sun & Ski Sports Earn double Membership Rewards® points on any www.sunandsld.com transaction of $150 or more when you use your American SSurz Express® Card at Sun & Ski Sports from November 1, 2004 (MR Message 2331) SPoRTS to January 15, 2005. Sun & Ski Sports specializes in helping adventurous outdoor dreams come true with a full line of clothing and equipment for skiing (snow and water), bicycling, skating, running and camping. For the closest store near you, go to www.sunandski.com. To be olglati to earn bonus pointe younut be enrolled in the itanbasHp Rewaab program ate time of puchaso and charge your putate 1:* an elgbk. garaged Artisan Eying,* Card. Bonus paint wake eralad lo you: aatmat 10.14 weeks efta charge. away on yo Nat 'blatant Enroll Today and Earn Double Membership Rewards® Points Visit www.americanexpress.comibluedoublepoInts or call Enroll today! Don't forgot BONUS; 1-800-419-7385 to enroll your Blue from Amencan Express®, to enroll by December 31, 2004 to participate in this MIMI 14•"" and you can earn double Membership Rewards points for special promotion. eligible purchases in the category of your choice. So whether 8 FOR b -9 to you're buying a gift for yourself or a friend, don't miss out on (MR Message 9146) this Membership Rewards double points offer. Tams ocnctona and mabetlaaa gayly. TN. Ott b void tam Nougat., 1.200410 Dagtribte 31.2504 Earn Double Membership Rewards® Points by Donating to Your Favorite Charity Donate to any of over 1,000,000 U.S. charitable To make a donation, go to BONUS; organizations and earn double Membership Rewards® points v.ww.amerIcanexpress. com/donate. for every dollar you donate with an eligible, enrolled iidWincif American Express® Card. This bonus point promotion is only eligible to Cardmembers who donate through the American Express Donation Site between October 1, 2004 and Terms and conditions of the Membership Rewards program apply. For more information visit www. • December 31, 2004. americanexpress.com! To earn bona pat% younail be tinceltd e the Mantersha Aran pogrom al the lint d No donation rewards. (Bonus ID 5969) and mint canoe yew purchage a an aiptio. erec4gd Masao Expreg. Card Don:alarm of btatentha Regents pont. are rat tax doductiole. Beni Port wit be ambled to yew Natasha Rewards roots uelhin 643 antis a. charge; Nopoor on yogi barn as:anent The mwran ratter of port you oat can through tlig prorrabon is 25000. Brous ID: Ott JetBlue - Our Newest Membership Rewards® Program Partner jetBlue Membership Rewards welcomes JetBlue Airways as its For more information newest airline transfer partner! Beginning December 8, 2004 about JetBlue or to join TrueBlue, visit you will be able to redeem Membership Rewards points www.jetblue.com. directly into TrueBlue, JetBlue's Flight Gratitude program. AIRWAYS' JetBlue serves 29 destinations in 12 states, Puerto Rico, the Dominican Republic and now Nassau, The Bahamas. All Mee www.american express.conVrewards or call 1-800-AXP-EARN JetBlue aircraft feature roomy all-leather seats each (297-3276). equipped with free live satellite television, offering up to 36 (MR Message 5031) channels of DIRECTV® Programming at every seat. 250 MentaaNp Rowada pcinb MAII, I Truelilue pail (1250 pan' minettag t area). 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. EFTA01726790 DUPLICATE COPY ACCMY Pa rte Page 7 of 8 its )000:4000a 11/14/04 ier... . Custonffixtrar c Save 25% on purchases at The New York Times Store Visit vninv.nytstorecom to see the entire collection. The New York Times Store offers hundreds of products--from books to Be sure to use the classic photographs, reprints of vintage newspapers to posters. promotion code APAXNOV tanmsionib... when ordering to get your savings. STORE Offer expires January 31, 2005. Purchases receive 25% off regular price before taxes, (CE 105091) shipping and handlr . PurChaSes must be made with the American Expresso Card. 25% savings does not apply to crossword books with a retail value of $6.95 or less and cannot be combined with other offers. Sales tax applies where applicable. Introducing My WishList Visit vnvw.mylifemycard. com/mywIshIlst for full Holiday wish lists aren't about what you need, they're about the details. It all starts online things you want So to say thanks for being a Cardmember, we'd like November 22nd at 12pm to introduce My WishList. Everyday, from November 22 through EST sharp. Make sure you're there. December 20, 2004, you'll have the chance to grab one of this holiday's most sought-after items—all at special Cardmember-only (CE 105121) prices. Quantities will be limited, and the products will only be available at certain times each day. So you've got to be there first and keep coming back. And who knows? If you're fast enough, you just might get what's on your holiday wish list Splendors of Mexico • 4 Exclusive Values • 7 Incredible Places To plan your vacation to Mexico and for details on Mexico--worlds away, just steps from home. Gaze out over the blue-green your Cardmember Annual Caribbean from the top of a Mayan temple. Salsa dance with sand between your Travel Benefit, call American Express Travel toes and stars overhead. Dive pristine waters among a rainbow of sealife. This toll-free at year, discover the Splendors of Mexico in Acapulco, Cancun, Cozumel, Huatulco, 1.800-AXP-8236. Ixtapa-Zihuatanejo, Los Cabos and Riviera Maya. Call American Express Travel at 1.800-AXP-8236 and receive exclusive values, including the up to $100 (CE 105095) statement credit' when purchasing your qualifying Mexico vacation on the American Express Card through American Express® Travel.' 'Qualifying Vacation is a purchase offered by a vacation package operator through a participating American Express Travel Services U.S. location of $2,000 or more per booking for $100 statement credit, or, only for Gold, Platinum Card® and Centurion' Charge Card members of $2,500 or more for $150 credit. Not valid on independent airihoteVcar reservations. Available once per Card account per year. May only redeem 1 per booking. Other material terms, conditions and restrictions apply. "Valid on new vacation package bookings only 10/01/04-5/31/05 for travel 10/01/04-8/31/05. Otter, participating destinations and suppliers are subject to availability and charges without notice. Restrictions may apply. Deposit and final payment must be made on an American Express Card. CST#1022418-10, TA-149 Registered Ohio Travel Agency, TA-002 Registered Iowa Travel Agency NV#2001-0126. Washington LIBI# 600-469.694, ML#1192. PROMO CODE: C 198:0001. SAVE $10 on Radio City Christmas Spectacular® Tickets! Log on to wenv.radlocity. corn and type in code The 2004 edition of the Radio City Christmas Spectacular is an OPCARD or call ultimate holiday extravaganza with a host of unforgettable thrills, 212-307-1000 and ask for including perennial favorites like the showstopping Parade of the code OPCARD or shon Wooden Soldiers and the majestic Living Nativity, as well as an this statement to the Radio City Music Hall Box awe-inspiring ride around Manhattan aboard Santa's 3-D sleighI Office. Optima. Cardmembers save $10 per ticket to any non-peak performance! November 4th through January 2nd at Radio City (CE 105085) Music Hall. Not valid on preview or peak performances, VIP or prime seating, or on previously purchased tickets. Cannot be combined with any other offers cr savings. Eight-ticket limit per order. Subject to availability. Offer expires 1/2/05. 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. EFTA01726791 DUPLICATE COPY Page 8 018 XXXXIX;Xxa Now Accepting American Express® Cards! If there are other places where you would like to Allstate - Now you can help protect your auto and home and pay see the Card accepted, with your Card. Visit your local Allstate agency, call 1-800-ALLSTATE please call the Customer or go to www.Allstate.com for information. Service number that is located at the top of your statement or the number Metropolitan Communities - You can now pay your rent with the that is on the back of your Card at The Metropolitans-upscale apartment communities in the Card. Washington, D.C. metro area. www.rentmet.com. (CE 105065) Curtis Chevrolet and KIa - Serving the community for over 38 years. New and used cars and trucks, full-service department, body shop and parts department. Call 202-723-0100. Order now at Are You Overpaying for Personal Checks? www.amoxpub.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 105098) . Other quality products we offer are address labels, deposit slips, w".» .Publishing 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. SAVE an Additional $359* on an IBM ThinkPad This Holiday! Order yours today online at http:INavw.lbm.comt The award-winning, wireless IBM ThlnkPad T42 (PN W7734WU) is a shopnbmdeals.(3651 cc perfect match for distinguished tastes. Hurry, this exclusive offer is In call 1-600-426-7235, ext. addition to your 17% savings and ends 12/31/2004. It is valid in the 3651. U.S. IBM only. Shipping/handling not included. Limit 10 per (CE 105117) Cardmember. Offer cannot be combined with other promos. To save, you must use your American Express® Card. All offers subject to availability. IBM reserves the right to alter product offerings and specifications at any time, without notice. IBM is not responsible for photographic or typographic errors. Pricing: Pricing does not include tax or shipping and is subject to change without notice. Reseller prices may vary. Pricing includes applicable American Expresso Cardmember program savings it available. Savings: savings referenced off of applicable program reduced price as of 9/15/04. American Express® Gift Cards - Perfect for the Holidays! Buy your Card at participating in-person American Express® Gift Cards are accepted in over a million different locations, online*** at places* for millions of different things. From sporting goods to sushi veany.amerIcanepxress. and for holidays or special occasions, be sure to give your loved ones con/gift and via phone at 1.877-AXP-GIFT. exactly what they want, every time. Unlike store gift cards or certificates, American Express Gift Cards never expire and are (CE 105092) replaceable if lost or stolen**. Buy Gift Cards today—the perfect gift, every time. 'Good in the U.S. wherever American Express° Cards are accepted. nit funds have not been depleted by valid through date, remaining funds can be replaced. Replacement Card fees apply. ***Online sales through Cheques-on-Line, Inc. Card and shipping fees apply to online orders. For complete terms, visit www.amertcanexpress.com. There's Still Time to Earn Marriott Rewards® Bonus Points To take advantage of this offer, register online at From 9/15/2004 through 1/31/2005, Marriott Rewards is making it minv.marrlottrewards. easier for you to accumulate valuable points to help get to your corn/Amex25k or by dream vacation faster. When you reserve and pay with your American calling 1.888.977.7012. Amnon Express® Card at any participating Marriott hotel worldwide during Alt Marriott Rewards REWARDS. offer time period, you'll receive 5,000 Marriott Rewards bonus points program terms and for every third stay. And you can earn up to 25,000 bonus points to coalitions apply. spend the way you choose. (CE 105097) Registration is required. Nights spent while redeeming an award are not eligible for credit. The Marriott Rewards bonus offer is void only for qualifying stays made 09/1512004 - 1/31/ 2005. Use your American Express Card to pay for qualifying stays to earn bonus points. Up to a maximum 25,000 bonus points awarded per Cardmember for this promotion. 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. EFTA01726792 DUPLICATE COPY Optima® IrteinberihiiRismtaiidO1 1PPOInts;Availible from American Express 10/3i*j<wifeti.cliarges due are pa;ci .„.1%:41.481/allaobsOnts are in good stsatnga Awmit. thrnme Dalo 12/15/04 Page I of 6 Now Minify S W. MottnIMA and Minimum Payment Due Date NeeKus Balenoe PON* Admit" S Finarce Chugs V any Now nolvoo S . Amount Duos 01./09/05 5,738.72 0.00 +166.68 =5,905.40 374.68 Minimum Amount Due Includes: Past due amount $227.88 This month's amount due Credit Line Total Credit Available Credit Cash Advance Available Cash $146.80 Summary Une $ Line $ Lint $ Umit $ Please refer to page 2 on 12/15/04 5,900.00 0.00 200.00 0.00 for important information regarding your account Your account is seriously past due. Your account has been suspended. To avoid cancellation, please remit payment now. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. Your account is overlimit. Please pay at least $374.68, plus any additional charges you have incurred since the date of this billing statement, to avoid any overlimit fees on your next statement. Please see your Cardmember Agreement for additional terms and conditions that may apply. Contact us at www.americanexpress.com or call Customer Service at 1-800-635-5955. Activity .nnieSPC6Inadigge 12/11/04 DEUNOUENCY FEE ASSESSMENT 35.00 MIN PAYMENT NOT RECEIVED BY DUE DATE 12/15/04 Periodic FINANCE CHARGE 131.80 Total of New Activity 168.80 + Mono lotion to pcdorafrobelmo clench col return wilt yew payment Continued on Page 3 Payment Coupon Payment Due Date: Please enter account 01/09/05 number on all checks and correspondence. Total New Balance To avoid additional $ 5,905.40 Finance Charges on Ma Purchases, pay New Balance before Payment Minimum Amount Due Due Date. $374.68 MD 20876-5960 Note any address and/or telephone number change on reverse side. Unless $ • I you check here, this change will apply to all of Amount enclosed your Card Accounts except any Corporate Card Mail Payment to: Accounts you have. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I 000590540000037468 16rIrl EFTA01726793 DUPLICATE COPY ,. xount Nvrtt Page 2 of 6 XXXX-XXXX Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and dra issued by American Express Centurion Bank or American Expressted in the llS (other than a line of credit check Bank, FSB), in the enclosed envelope with the remittance stub attached and account number listed on the check. Please do not send post-dated checks. They wil be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in • processing. We reserve the right to process checks electronically, at first presentment and any re-presentments, To Pay By Phone by transmitting the amount of the check, routing number, account number and check serial number to your financial 1.800372.9297 institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draR against your account for the amount Customer Service of the check Authorization for Electronic Payments:By using the American Express Pay By Computer, 1-800-635.5955 Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express 24 hourst7 days to innate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at www.americanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. International Collect Outside the U.S. contact the nearest American Express Travel ServiceOffice orcall any local AmericanExpress office. 1.336-393-1111 Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by wooing Hearing Impaired the daily periodic rate to the Average Daily Balance (as described below) for each feature Isuch as Purchase,iCash (9arre5pm, EST) Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily ITT: 1400-221-9950 Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous FAX: 1.800-6x95-9090 billing pericds), (2) add any new transactions, &Oils, or lees, (3) subtract any payments or credits, and (4) make any In NY: 1-800-552-1897 appropriate aderstments. For each day after the first day of the billing period, we also add en amount of keenest equal to the previous day's daily balance multiplied by the dally periodic rate for the feature. This gives us tho daily balance for the feature for that day and the beginning for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we addpp all the balances for the feature for the billing period and divide the total loy the number of days in the billing period. This gives us he Average Daily Balance for the feature. Per O all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that Correspondence statement. If you multiply the Average Daily Balance for each feature by the number of days In the Wing period and the daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused by Customer Service rounding. The total FC for the billing period is calculated by adding the FC assessed on al features of the Account. This 777 American method- of calculating the Average Daily Balance and FC results in daily compounding of FC. The minimum Expressway FC for any billing periodinwhich FC are imposed is $0.50. Ft. Lauderdale, FL Billing Rights Summary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if 33337-0001 you need more information about a transaction on your bill, write us on aseparate sheet of paper at the address noted to the right. We must hear from you no Iaterthan 60 days after we sent you the FIRST bill on which the serer or problem appeared. Funds Access Services You can telephone us at thenumber indicated on the front of this statement, but doing so will n0t your rights. In your letter, give us the following information: 1. Your name and account number; 2. The dollar amount of the P.O. Box 53809 suspected error; 3. Describe why you believe there is an error. If you need more information, describe the kern you are Phoenix, AZ unsure about. You do not have to pay any amount 'n question while we are investigating; but you are still obligated to pay 85072-3809 the parts of your bel that are not In question. While we Investigate your question, we cannot report you as delinquent or take Payments any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings PO BOX 360002 or checking 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 FT LAUDERDALE Purchases: If you have a problem with the quality of goods cr services that you purchased with a credit card, and you have FL tried In good faith to correct the PrOblem with the merchant, you maenoi have to pay the remaining amount due on the 33336.0002 goods or services. You have this protection only when the purchase puce was more than $50 and the purchase was made in your home state or within 100 miles of your marling address. (If we own a operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regarciess of amount or location of the purchase.). In Case of Errors or Questions About Your Electronic Transfers: Please contact us by ticking on the Custemer Service Link online at evnv.americanexpress.com, or you can call us at 1-800-IPAY-AXP for Pay By Phone & Pay By. Computer issues, or 1.800-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think yoir statement, receipt or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Desaibe the error or the transfer you are unsure of, & explain as clearhy as you can why you believe there is an error or why you need more information. We will investigate your complaint & correct any error promptly If we take more than 10 business days to do this, we will credit your account for the amount you think Sin error, so that you will have use of the money during the time it takes veto oomplete our investigation. Credit Balance: If a credit balance (designated "CRS is shown on this statement,it represents money owed to you. You may make charges against the credit balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, we will, within 30 days after expiation of the six-month period following the date of the first statement indicating the credit balance, issue a check to you Icr the credit balance in your account if the amount is $1.00 or more. Creditor: American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, lees and grace periods by calling 1.800.518.8866. Change of Address I Careel on front donee use Name 1 Li I Carpany Nano Street Address I- lf 1-71- 1 -11- 171 City, stale Zp Cede Area Cede aid I I I I Providing your email address to American Home Phone Express will enable you Area Code and to receive special offers, Wert Phone suited to your needs. Email EFTA01726794 DUPLICATE COPY Account NS Cbarg Dais Page 3 of 6 )00000000= 12/15104 Finance Charges Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this paned: 31 Balance Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGES Purchases 406.02 0.0739% 25.99% 2899% 9.30 Cash Advances 0.00 0.0739% 0.00% 26.99% 0.00 CheckfBalance Transfer 5,347.25 0.0739% 26.99% 26.93% 122.50 131.80 Certain of the periodic rates and APFs above may be variabe. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmamber Agreement as currently In effect EFTA01726795 DUPLICATE COPY • cc, Page 4 of 6 W&-)Nr(X)CeM EFTA01726796 MembePNINOTifillikis Options` Monthly Statement and Page 5 of 6 Program News For questions about your Statement Period Membership Rewards account, contact October 1, 2004 - October 31, 2004 Account activity after this period does not appear on this statement 1-800-AXP-EARN (297-3276) Available Points wvntamericanexpress.comftewarcis ittT h R ardete A'-c nfcmber 1,591 American Express Membership Rewards PO Box 297813 Points are available when charges are paid In full and al your accounts are in Ft. Lauderdale, FL 33329-9785 good standing. Account Summary Opening points balance 1,591 New points earned 0 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 1,591 New Points Earned 1W01/04 - 10/31/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 0 0 0 SIM Totals 0 0 0 M Remo* Opleee pekes owned may be trenotared or ritckcatcd m keg as at emoted Card mesons we in geed stand rd. Palls tanderred a tooterned cannot be reverted tcce ivo the orogen+. Forfeited pointy con be reinstated for a fee by calling the number provided Elarble Card chargee tee owinw in ihe Ihenterand Rewards Optrins pregyarn Terns andCon:16ms in ywr Elerrbershp Rewards 01:1101•9 Glide. II lvar item duodena demo tot WWW.WIWIlainexpre.s.contimembenhiprewar &options a cal telObAXP EARN WS2M. From meowed calla:4de 366-516-2799. Wyndham Hotels & Resorts is joining the Membership Rewards® program! Art Teen E: yen Wyndham Hotels & Resorts has destinations throughout To review those rewards .to4.th atErati EREINIP North America, the Caribbean and Mexico. At every and redeem points, visit vnwramericanexpress. e:fe skiCe ". 1), Wyndham, you'll find a casually elegant atmosphere and com/rewards or call amenities such as Herman Miller Aeron® chairs and Golden 1-800-AXP-EARN Door® toiletries. Redeem Certificates at Wyndham Hotels, (297-3276). Wyndham Resorts, Wyndham Luxury Resorts or Summerfield (MR Message 9185) Suites by Wyndham. &bed to avalatrIty.fterivarte reerevatero faceted. EARN Double points for Your Tickets with TKT.com! With 15 years experience, TKT.com offers PREMIUM seating Book online at viviW.TKT.com or call to concerts, theater and sporting events. Now earn double *irk ;cony Membership Rewards® points on all your tickets through January 31, 2005. 1.800-ALL-SHOWS to earn double points. (Bonus ID 2764) Crier mailmen d2.540 bourn pelt it,aceoinvams. lobeNode le earn banal P0W* you mull be the lamb:oho Rowan!. pecgarn at the the clperMase ant yco irrat che:00 KO Pathan, OM an erdble enrolled Arnorican Expressflad Barna wad? Credited t0 Kite atembetaNd Bends aubbuni *gbh Cre weels Ike ebargee appNil on you trim Pedecrent. Bonn 0:2764. Earn Double Points from Oreck Vacuum Earn double points when you use your Card to purchase the Call1-800-646-6934 today Celocs Hypo-Allergenic Plus 8 lb Oreck XL® Vacuum by and earn double points on your Oreck XL* Vacuum OREOK calling 1-800-646-6934. PLUS, for using your Card you'll also receive the 5 lb Oreck Compact Canister with 8 and receive a free compact anger just for using your attachments perfect for small pickups and hard to reach Card. places. (Bonus ID 9836) Oiler vaki 1C/97417routi 1/3605. Net veil en spore perelater. Tc earn bCCI{JS paints you trentbe emceed n the Mentaship Rawardel3 program at the was el euchre ord charge vat parchese to an eV* eredird Arnim= Exarcate Card Bonus prima w] to cradled la yew bknoweliP Rewattif Clout 'MOM Ca ACC% as charges *pee cm your Why taxmen: Ecru, ID 5836. 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. EFTA01726797 limillifATE COPY PaGe 6 o(6 EFTA01726798 DUPLICATE COPY Optima® • ,AinibOrOi_PARe*aida,;2-;:: Points Available from American Express at 1/30/04,4hencharges ckie are paidin 3 :inland all accounts are in good standing:, Amount Nutter O“IngDato 01/16/05 Page 1 of 6 MwActivly$ ImAdjurmband IAMmm Payment Due Date Pieicus Since $ PaimorrlActiidy$ FammeWpsealy Now 13.trcoS MioinflIhmS 02/10/05 5,905.40 0.00 +176.43 =6,081.83 531.11 Minimum Amount Due Includes: Past due amount $374.68 Tit month's amount due Credit Line Total Credit Available Credit Cash Advance Available Cash $156.43 Summary Une $ Line $ Limit $ Umit $ Please refer to page 2 on 01/16/05 5,900.00 0.00 200.00 0.00 for important information regarding your account Urgent notice - your account is cancelled. Remit payment immediately. Your account is overlimit. Please pay at least $531.11, plus any additional charges you have incurred since the date of this billing statement, to avoid any overlimit fees on your next statement. Please see your Cardmember Agreement for additional terms and conditions that may apply. Contact us at www.americanexpress.com or call Customer Service at 1-800-635-5955. Activity "ndkaKs°" gda'° Total of Payment Activity 0.00 01/11/05 DELINQUENCY FEE ASSESSMENT 35.00 MIN PAYMENT NOT RECEIVED BY DUE DATE 01/16/05 Periodic FINANCE CHARGE 141.43 Total of New Activity 176.43 + rouse fold on the rektahon Wow, Cletaa) and rceanwm surp.werG Continued on Page 3 Payment Coupon Payment Due Date: Please enter account number on all checks and 02/10105 correspondence. Total New Balance To avoid additional $ 6,081.83 Finance Charges on Purchases, PEW New Balance before Payment Minimum Amount Due Due Date. $031 11 GERMANTOWN MD 20876-5960 Note any address and/or telephone number change on reverse side. Unless $ • you check here, this 1 change will apply to all of Amount enclosed your Card Accounts except any Corporate Card Mail Payment to: Accounts you have. AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336.0002 1111111W 000608183000053111 17r1r1 EFTA01726799 DUPLICATE COPY Acearattenter Page 2 of 6 =cocoa Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Centurion Bank or American Express Bank, FSB), in the enclosed envelope with the remittance stub attached and account number listed on the check Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the nght to process checks electronically, at first presentment and any re-presentments, To Pay By Phone by transmitting the amount of the check, routing number, account number andcheck serial number to your financial 1.800-47.9297 institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a draft against your account for the amount Customer Service of the check. Authorization for Electronic Payments:By using, the American Express Pay By Computer, 1.800-635-5955 Pay By Phone or any other American Express electronic payment service, you will be authorizing American Express 24 hours/7 days to initiate an eledronlo debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at WWW.americanexpress.com. International Collect Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express TravelService Office or call any local American Express office. 1436.393.1111 Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Aotount by applying Hewing Impaired the daily periodic rate to the Average Daily Balance (as deserted below) for each feature (such as Purchase,-Cmh (9am-5pm, EST) Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily 1-800-221-9950 Balance br each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous FAX: 1-800-695-9090 billing periods) (2) add any new transactions, debits, or fees, (3) subtract any payments or credits, and (4) make any In NY: 1400-552-1897 appropriate a ustments. For each day after the first day of the billing period, we also add an amount of interest equ to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily balance for the feature for that day and the Wginning balance for the feature for the next day. II this balance is negative it is considered to be zero. Then, we add up all Me daily balances for the feature for the billing period and dvide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Feennce will be considered to be zero it you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that • Correspondence statement. If you multiply the Average Daily Balance for each feature by the number of days In the billing period and the Customer Service daily periodic rate for that feature, the result will be the FC assessed on that feature, except for variations caused rounding. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. 7hIS 777 American method of calculating the Average D* Balance and FC results In daily compounding of FC. The minimum Expressway FC foree: any billingff riodin which FC are imposed is $0.50. Ft. I airtrdale, FL Rights mmnn e In Case of Errors or Questions About Your Bill: If you think yaw bill is incorrect, or if 33337-0001 youn more ormabon about a transaction on your bill, write us on a separate sheet of paper at the address noted to the right. We must hear from you no later than 60days after we sent you the FIRST billon which the error or problem appeared Funds Access Services You can telephone us at the number indicated on the front of this statement, but doing so will not preserve yourrights. P.O. Box 53809 In your letter, give us the following information: 1. Your name and account number; 2. The dollar amount of the Phoenix, AZ suspected error 3. Describe why you believe there is an error. If you need more intimation, describe the item you are 85072-3809 unsure about. You do 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 we not in question. While we investigate your question, we cannot report you as delinquent or take Payments any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings PO BOX 360002 or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must FT LAUDERDALE reach us three busness days before the automatic payment is scheduled to occur. Special Rule For Credit Card FL 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 33336-0002 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 for the property or services, all purchases are oovered regardless of amount or location of the purchase.) In Case of Errors or Questions About Your Electronic Transfers: Please contact us by ckddnggn the Customer Service Unk online atwww.americanexpress.corn, or you can call us at 1-800-IPAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indcated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error ef the transfer you are unsure of, & explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & correct any error promptly. if we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you wil have use of the moneyduring the time it takes us to complete our investigation. Credit Balance: It a csedt balance (designded 'CRI) is shown on this statement, it represents money owed to you. You may make charges against the molt balanceor request a refund. If you do not make sufficient charges against the credt balance or request a refund we wili, within 30 days after 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 in your account if the amount is $1.00 or more. Creditor: American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods bycalling 1.800518-8866. Cnange of Address correct on front do not ex Nome Company F Nerve Street Addree City. Stale Zor Code Providing your emal Mn code and address to American game Phone Express will enable you Nee Code and to receive special offers, WorK Phone suited to your needs. Email EFTA01726800 DUPLICATE COPY Pt cd Acceell Numbs' Cknirg DX Page 3 of 6 XX)O(4OCOCM. 01/16/05 Finance Charges Average Daly Daily Actual ANNUAL Nominal ANNUAL Periodic Billing days this period: 32 Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 5,924.71 0.0746% 2724% 27.24% 141.43 Cash Advances 0.00 0.0746% 0.00% 27.24% 0.00 141.43 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01726801 DUPLICATE COPY AmaslNulgY Page 4 of 6 EFTA01726802