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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

, 9arn • 5pm EST. Grace Period for Purchases on Flexible Payment Features: 30 days on average if previous balance is paid in full, for enrollees in Sign & Travels or Extended Payment Option' Fle:oble Payment Features - otherwise, no grace period. Method of Computing the Balance Subject to Finance Charge (FC) f

e $0.00 Payment Not Required g See page 2 for important information about your account. ro New York Residents: New York Residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods.

ing are the current information regarding Annual Percentage Rates (APRs) for Pay Over Time Features. (v) indicates variable rate. your account For Sign & Travels the APR is 9.15% (v). For Sign & Travel, the APR is 9.15% (v). AMEX006229 SCIY_GM_02 749528 EFTA 110236784 EFTA01678187 Centurion' Card AMERI

late fee of up to S38.00. 0 0 0 See page 2 for Important Information about your account. New York Residents: New York Residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods.

t to change the names of the Pay Over Time feature: Select & Pay Later will be known as Select, Extended Payment Option will be known as Direct, and Sign & Travels will be known as Pay Over Time Travel. We are amending the Cardmember Agreement so that if you are enrolled in both Pay Over Time Select and Pay O