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anyamount due on Your Card account is.pas due or Your Card Is cancelled, is hereby revised to read as follows: Does not apply to West Virginia and New York State residents. American Express° Card Baggage Insurance Plan Effective March 1, 2006, we are adding the American Express Card Baggage Insurance Plan a

fices of American Express. This document replaces all existing prior Descriptions of Coverage for the American Express Card Baggage Insurance Plan. Kenneth J. Clak, President AMEX Assurance Company 6437-12-02(CP) Timothy Meehan, Secretary AMEX Assurance Company I Does not apply to New York State residents.

any amount due on Your Card account is past due or Your Card is cancelled, is hereby revised to read as follows: Does not apply to West Virginia and New York State residents. BP1TR14FYi/0306 EFTA01661221 DUPLICATE COPY Account Mints JEFFREY E EPSTEIN M Oafe 03/29/06 Page 9 of 12 Annual EFT Error Resol

Questions For questions please call the telephone number on the back of Your card. There are no other changes to the Description of Coverage. By: Kenneth J. Clak, President ETP-RDR1-MO 05106 Paul R. Johnston, Secretary Important Information regarding benefit changes for Vermont residents: AMEX ASSURANCE CO

ny amount due on Your Card account is past due or Your Card Is cancelled, Is hereby revised to read as follows:, Does not apply to West Virginia and New York State residents. American Expresso Card Baggage Insurance Plan Effective March 1, 2006, we are adding the American Express Card Baggage Insurance Plan as

es of American Express. This document replaces all existing prior Descriptions of Coverage for the American Express Card Baggage Insurance Plan. p Kenneth J. Clak, President AMEX Assurance Company 6437-12-02(CP) Does not apply to New York Store residents. Timothy Meehan, Secretary AMEX Assurance Company B