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20% 0.00% 18.98% Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rato identified in the V/all Street Journal, as described in your Cardmemter Agreement as currently In effect. Remember, your introductory rate applies for WI new purchases for your first 6

Street Journal on the 1st or 25th day (or, ki each case, if such date is not a business day, the next business day) of the prior calendar month. If The Well Street Journal ceases publication or does not publish the Prime Rate on either of those dates, we may refer to the Prime Rate published In any other newspaper of g

r DI ea, Earn More! New ways to earn points. IMPORTANT NOTICE OF MEMBERSHIP REWARDS OPTIONS@ PROGRAM CHANGES For each transfer of points into the Frequent Flyer program of a US airline, a fee of $0.0004 per two points, with a maximum fee of $50, will be charged to your Card account. We charge this fee to o

tended Certain of the psricctic rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in the Wall Street Joumal, as described in your Cardmember Agreement as currently in effect. Finance Charge Total Finance Charge 2006: Summary $59.07 S&T and/or ExPO Act

t Customer Programs section of the Membership Rewards Terms & Conditions as follows: "Effective May 1, 2007, for each conversion of points into the Frequent Flyer program of a US airline, a fee of $0.0005 per point, with a maximum fee of $75, will be charged to your Card account." M6137 BP/MU/MR61/0307 EFTA

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 Pr ed Fa Scan DUPLICATE COPY Vocis:wit>otooME Page 4 of 12 EF

',7-f/4ti Earn More! New ways to earn points. IMPORTANT NOTICE OF MEMBERSHIP REWARDS OPTIONS@ PROGRAM CHANGES For each transfer of points into the Frequent Flyer program of a US airline, a fee of $0.0004 per two points, with a maximum fee of $50, will be charged to your Card account. We charge this fee to o