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n and use points in advance of accruing them in their program accounts. Accordingly, on that date the following new section is added to the program Terms & Conditions: 'Points Advance 1. Through a Points Advance, you may obtain and use up to 60,000 points in advance of accruing them in your program account. You

matic Flight Insurance, Premium Baggage Protection, Travel Delay Protection, and Premium Car Rental Protection. These products are underwritten by AMEX Assurance Company, Administrative Office, De Pere, VVI. Coverage is determined by the terms, conditions, and exclusions of the Policies and is subject to change with

are not eligible for the Cardmember Annual Travel Benefit, which is only available through your local American Express Travel Services locations. Terms & Conditions: Double Membership Rewards points are valid on cruises purchased on the americanexpress.conVsomanycruises website through 12/31/06, with final pay

-61005 Page 24 of 28 The form number is replaced with the following: TRLDI-DOC-CCSG 11/05" Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 and is subject to change wit

ng Club Gold membership under Virgin Atlantic Flying Club Terms & Conditions will continue to receive such membership level in accordance with those Terms & Conditions. S03O3 BPNATLCEN/1013 AMEX006605 SDNY_GM_02749904 EFTA_00237 I 60 EFTA01678563 JEFFREY E EPSTEIN Account Ending 0-13001 p 18 19 AMEX006606

count referenced in or with this notice are subject to change in accordance with the Cardmember Agreement and the Insurance Policies underwritten by AMEX Assurance Company (collectively, the "Agreements"). This notice formally amends the Agreements as described below. Any terms in the Agreements conflicting with these