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ed to any such accounts, goods or services financed under any of the accounts or the terms of financing, (c) the benefits and services related to Cardmembership (including fee-based or free benefit programs, enrollment services and rewards programs), and (d) your application for any account. We shall not e

e 6 months being reviewed. IMPORTANT: See the reverse side of this letter for information about the duration of the Penalty APR. Thank you for your Cardmembership. We look forward to continuing to serve you. Sincerely, American Express See reverse side for important information CMAEUALE0000104 AMEX002988

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for preparing taxes and budgeting. In addition to viewing your Year End Summary online, you will continue to receive a paper copy for every year of Cardmembership. For any questions regarding your Online Year End Summary, please visit www.ammicanexpress. comtyearendsummary. (CE 104182) 7-Night Hawaiian

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for preparing taxes and budgeting. In addition to viewing your Year End Summary online, you will continue to receive a paper copy for every year of Cardmembership. For any questions regarding your Online Year End Summary, please visit www.americanexpress. com/yearendsummary. (CE 104182) 7-Night Hawaiian

r next Closing Date. 121 Payment Coupon Do not staple or use paper clips Pay by Computer americanexpress.com/pbc JEFFREY E EPSTEIN 9 E 71ST ST NEW YORK NY 10021-4102 n Check here if your addressor phone number has changed. Note changes on reverse side. p. 1.17 Account Ending 0-13001 Membership Rew

ance Products We are notifying you of an update to all insurance products underwritten by AMEX Assurance Company that you have as a benefit of your Cardmembership, or in which you have enrolled. In the event any coverage provided by the AMEX Assurance Company insurance policies would be in violation of U.S. e

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with your Card allow you to shop with confidence and security. So, shop with your American Express Card during the holidays and reap the rewards of Cardmembership. Enrollment is required. See the CustomExtras" pages at the end of your statement for additional terms and conditions. hicalas dab Activity Moun

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ery dollar spent at a hotel with a frequent guest program that participates in Membership Rewards (previously, it was 2 points in the first year of Cardmembership and 1.5 points thereafter). State Law Changes We're making some amendments to address various state laws. See S0106 he reverse side for the Deta

by your next Closing Date. Payment Coupon Do not staple or use paper clips Pay by Computer americanexpress.conVpbc JEFFREY E EPSTEIN 9E 71STST NEW YORK NY 10021-4102 El Check here if your address or phone number has changed. Note changes on reverse side. llurlrlullurl p. 1/17 Account Ending 0-1300

ance Products We are notifying you of an update to all insurance products underwritten by AMEX Assurance Company that you have as a benefit of your Cardmembership. or in which you have enrolled. In the event any coverage provided by the AMEX Assurance Company insurance policies would be in violation of U.S. e

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trucks and pick-ups are now eligible as covered rentals under the Car Rental Loss and Damage Insurance Policy that you receive as a benefit of your Cardmembership. See the following pages for restrictions. We have also included a legal notice for Oklahoma residents regarding insurance fraud. See the followin

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e insurance products are no longer available in certain territories. Effective August 1. 2014. the insurance products that come as a benefit of your Cardmembership are not available for residents of the Federated States of Micronesia, The Marshall Islands, and the Republic of Palau. Depending on your Card, the