Epstein Secrets

Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York Department of Financial Services: 1.800.342.3736 or www.dfs.nygov. n Learn how to take advantage of your Pay Over Time feature on page 18 AMERICAN E

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Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York Department of Financial Services: 1.800.342.3736or wswi.dfs.nygov. See page 18 for en Important Change to Your Account Terms. Continued on page 3 4

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Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York Department of Financial Services: 1-800.342-3736 or v•ww.dfs.nygov. D See page 19 for Important Changes to Your Account Terms. ni See page 21 for a

cular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest Interbank rate we Identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the

Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov. Account cancelled. See important notices about Your Billing Rights, Electronic

cular rate is required by law. The conversion rate we use is no more than the highest official rate published by a government agency or the highest Interbank rate we Identify from customary banking sources on the conversion date or the prior business day. This rate may differ from rates in effect on the