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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

Express Affiliates. Offers for American Express Products and Services O Mail: Do not mail me offers for American Express products and services. K Telephone Offers: Do not contact me by telephone to otter me products and services. If you do not have a payment envelope, mail your response to: American Expr

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

can Express Products and Services K Mail Offers: Do not use Cardmember Information to mail me offers for American Express products and services. K Telephone Offers: Do not contact me by telephone to offer me products and services. If you do not have a payment envelope, mail your response to: American Expr

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

can Express Products and Services K Mail Offers: Do not use Cardmember Information to mail me offers for American Express products and services. K Telephone Offers: Do not contact me by telephone to offer me products and services. If you do not have a payment envelope, mail your response to: American Expr