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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

balances. Amounts applied to Feature balances will be applied first to Feature balances at lower Annual Percentage Rates ("APRs") and then to higher APR Feature balances. In most cases, we will apply purchase credits first to the balance from which the corresponding debit originated. However, for servicing,

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

balances. Amounts applied to Feature balances will be applied first to Feature balances at lower Annual Percentage Rates ("APRs") and then to higher APR Feature balances." Annual Fees We are changing the annual fee structure for Additional Cards. We will charge a single annual fee for up to three Additional

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

balances. Amounts applied to Feature balances will be applied first to Feature balances at lower Annual Percentage Rates ("APRs") and then to higher APR Feature balances." Annual Fees We are changing the annual fee structure fix Additional Cards. We will charge a single annual fee for up to three Additional

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

balances. Amounts applied to Feature balances will be applied first to Feature balances at lower Annual Percentage Rates ("APRs") and then to higher APR Feature balances. In most cases, we will apply purchase credits first to the balance from which the corresponding debit originated. However, for servicing,