Epstein Secrets

are amending the Other Fees section of your Cardmember Agreement applicable to copies of statements by replacing 1.3" with -$5." APR Applicable to Sign & Travel° and/or Extended Payment Option Accounts (Effective with billing periods ending in June 2004) We are amending the Finance Charges section of your Si

he total of () any previous billed Minimum Payments that remain unpaid on the Closing Date of the statement and (ill the greatest of: (1) 1/50th of the New Balance shown on your Account statement on the Closing Date of the billing statement (the calculation of which is rounded up to the nearest whole dollar),

the next day. Allocation of Payments and Credits: Subject to applicable law, we will apply and allocate payments between your Card Account and your Sign & Travel and/or Extended Payment Option Account (if that account has been activat (*Extended Payment Account') (referred to as 'Account.' in the Sign & Trave

Feature for the billing period and divide the total by the number of days in the billing period. This gives us the ADS for the Feature. If you pay the New Balance on this statement by the next Closing Date, then you will avoid additional FC on features included in This New Balance. If you multiply the ADS for

ent between Cardmember and American Express Travel Related Services Company, Inc. Concerning Electronic Funds Transfer Services." APR Applicable to Sign & Travel° and/or Extended Payment Option Accounts (Effective with billing periods ending in June 2004) We are amending the Finance Charges section of your S

the total of (I) any previous billed Minimum Payments that remain unpaid on the Closing Date of the statement and 00 the greatest of: (1) 1/50th of the New Balance shown on your Account statement on the Closing Date of the biting statement (the calculation of which is rounded up to the nearest whole dollar), (

controversy between you and us arising from or relating to your Card Account, this Agreement, the Electronic Funds Transfer Services Agreement, the Sign & Travel and/or Extended Payment Option Agreement, and any other related or prior agreement that you may have had with us, or the relationships resulting fro

Feature for the billing period and dvide the total by the number of clays in the tilling period. This gives us the ADS for the Feature. If you pay the New Balance on this statement by the next Closing Date, then you will avoid additional FC on features included in this New Balance. If you multiply the ADS for

are amending the Other Fees section of your Cardmember Agreement applicable to copies of statements by replacing "$3' with '$5.' APR Applicable to Sign & Travel° and/or Extended Payment Option Accounts (Effective with billing periods ending in June 2004) We are amending the Finance Charges section of your S

he total of (i) any previous billed Minimum Payments that remain unpaid on the Closing Date of the statement and (i) the greatest of: (1) 1/50th of the New Balance shown on your Account statement on the Closing Date of the billing statement (the calculation of which is rounded up to the nearest whole dollar),

your Card account. The current Annual Percentage Rates (APRs) and Daily Periccfc Rates (DPRs) for the Flexible Payment Features are as follows: For Sign & Travel, the APR is 13.40%, the DPR is 0.0367% Please refer to page 2 for further important information regarcing your account EFTA01661208 pepece re,

or the for the billing period and divide the total by the number of days in the billing period. This gives us the ADB for the Feature. If you pay the New Balance on this statement by the next Closing Date, then ycu will avoid additional FC on features included in this New Balance. If you multiply the ADS for

balance as of the date they are added. However, we will not charge interest on charges added to a Pay Over Time balance automatically (for example, Sign & Travel and Extended Payment Option) if you pay the Account Total New Balance by the due date each month. Foreign Currency Charge: If you make a Charge in

t Due Date to avoid a late payment fee. Accordingly, we are removing the first sentence from the When you must pay section, which reads "Payment of the New Balance is due upon receipt of your statement." Detail of Changes to Your Cardmember Agreement This notice amends the Cardmember Agreement (the "Agreement

balance as of the date they are added. However, we will not charge interest on charges added to a Pay Over Time balance automatically (for example, Sign & Travel and Extended Payment Option) if you pay the Account Total New Balance by the due date each month. Foreign Currency Charge: If you make a Charge in

t Due Date to avoid a late payment fee. Accordingly, we are removing the first sentence from the When you must pay section, which reads "Payment of the New Balance is due upon receipt of your statement." Detail of Changes to Your Cardmember Agreement This notice amends the Cardmember Agreement (the "Agreement

balance as of the date they are added. However, we will not charge interest on charges added to a Pay Over Time balance automatically (for example, Sign & Travel and Extended Payment Optionl If you pay the Account Total New Balance by the due date each month. Foreign Currency Charges: If you make a Charge in

t Due Date to avoid a late payment fee. Accordingly, we are removing the first sentence from the When you must pay section, which reads "Payment of the New Balance is due upon receipt of your statement." De ail of Changes to Your Cardmember Agreement This notice amends the Cardmember Agreement (the "Agreement