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HOME IMPROV WAREHOUSE + Pease Ick co me pmforalion Wow. doLth and Worn 'moth you. rayve Payment Coupon 91.11 Continued on Page 3 Please Pay By: Pease enter account 06/23/04 number on an checks and correspondence. Payable in U.S. Dollars upon receipt with a bank in the U.S. or money order, pro

ent between Cardmember and American Express Travel Related Services Company, Inc. Concerning Electronic Funds Transfer Services." APR Applicable to Sign & Travel° and/or Extended Payment Option Accounts (Effective with billing periods ending in June 2004) We are amending the Finance Charges section of your S

ncy, we will choose a conversion rate that is acceptable to us to convert your payment into US dollars, unless a particular rate is required by law. Pease do not send post-dated checks. They will be depesited ton receipt. Our acceptance of any payment marked with a restrictive legend will not operate a

controversy between you and us arising from or relating to your Card Account, this Agreement, the Electronic Funds Transfer Services Agreement, the Sign & Travel and/or Extended Payment Option Agreement, and any other related or prior agreement that you may have had with us, or the relationships resulting fro

u can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction Is wrone, Pease 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 appe

are amending the Other Fees section of your Cardmember Agreement applicable to copies of statements by replacing "$3' with '$5.' APR Applicable to Sign & Travel° and/or Extended Payment Option Accounts (Effective with billing periods ending in June 2004) We are amending the Finance Charges section of your S

providers service all markets. In some instances k may take more than one billing cycle before initial paid amounts are posted to tho Card account. Pease remember to cancel these payments with your service provider if you dose your Card account, and advise your service provider if your Card account nu

your Card account. The current Annual Percentage Rates (APRs) and Daily Periccfc Rates (DPRs) for the Flexible Payment Features are as follows: For Sign & Travel, the APR is 13.40%, the DPR is 0.0367% Please refer to page 2 for further important information regarcing your account EFTA01661208 pepece re,