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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

change with notice. This document does not supplement or replace the PoUcy. ADDITIONAL INFORMATIONYOR RESIDENTS OF LOUISIANA (CRLDI-RDR1-LA 11105) The Rights of Recovery section is replaced with the following: If the Company makes any payment under this Policy and the Cardmember has the right to recover damages from

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. BP/TR1OFYU0305 EFTA01704295 DUPLICATE COPY Prepargd Fa G MAXWELL axing Oat 03/08/06 Page 7 ol 10 Annual EFT Error Resolution Not

e with notice. This document does not supplement or replace the Policy. ADDITIONAL INFORMATION FOR RESIDENTS OF LOUISIANA (C RLDI-RDR I -LA 11/05) The Rights of Recovery section is replaced with the following: If the Company makes any payment under this Policy and the Cardmember has the right to recover damages from

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. Annual EFT Error Resolution Notice This notice is to inform you about how you should notify us of errors or questions regarding any elec

ange with notice. This document does not supplement or replace the Policy. ADDITIONAL INFORMATION FOR RESIDENTS OF LOUISIANA (CRLDI-RDR1-LA 11/05) The Rights of Recovery section is replaced with the following: If the Company makes any payment under this Policy and the Cardmember has the right to recover damages from

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

ject to change with notice. This document does not supplement or replace the Policy. 8=1ONALAILOSIMMILORBESIOENISSELOUb51ANA (CRLDI-RDR1-LA 11105) The Rights of Recovery section is replaced with the following: If the Company makes any payment under this Policy and the Cardmember has the right to recover damages from

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

ange with notice. This document does not supplement or replace the Policy. ADDITIONAL INFORMATION FOR RESIDENTS OF LOUISIANA (CRLDI-RDR1-LA 11105) The Rights of Recovery section is replaced with the following: If the Company makes any payment under this Policy and the Cardmember has the right to recover damages from