Epstein Secrets

d may vary based on the Prime Rate. We use the Prime Rate published in The Woll Street Journal 2 days before the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. lilt does not, we will use the Prime Rate from the previous day it was published. The Pena Ity APR will

327 Account Ending 0-13001 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, other personal credit card accounts that we issue, and to United States holders of business charge and credi

is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published In any other newspaper of general circulation in New York, New York, or we

03/27/05 Page 9 of 10 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 c

is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wail Street Journal ceases or suspends publication, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York, or we

bing 03/09/05 Page 9 ol10 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 c

is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York, or we

03/02/05 Page 9 of 10 An Important Notice Concerning Cardmember Privacy This Privacy t 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 c

Is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published in any other newspaper of general circulation In New York, New York, or we

Ode 03/12/05 Page 9 of 10 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 c

Extended Certain of the ;3040de rates and APRs above may be variable. Those rates may vary Payment Option. based upon the prime rate identified in theWall Street Journal, as described in your CarOmomber Agreement as currently in effect. R14• 10.01 RECEIVED -- THANK YOU 06/27/06 • 0VIEWPAVMENT RECEIVED - THANK YOU

aks 03/12/06 Page 9 of 10 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 c

Is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York, or we

D4* 03/29/05 Page 9 of 10 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 c

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

3/16104 Page 11 of 12 Min 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 c

d may vary based on the Prime Rate. We use the Prime Rate published in The Wall Street Journal 2 days before the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published. The Penalty APR will

/27 Account Ending 0.13001 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, other personal credit card accounts that we issue, and to United States holders of business charge and credi

is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York. or we

05 03/09/06 Page 27 of 28 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 c