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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), (

ticipating in-person locations, online- at wvArtamericanexpress. corn/gift or via phone at 1.866.256-GIFT. (CE 104986) Offers are made only to Cardmombers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704156 DUPLICATE C

he Feature for the biting period and dvide the total by the number of days in the tilling period. This gives us the ADB 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 ADB for

ffected by this change. Points Advance Effective July 3, 2007, the Points Advance feature will become available. Through a Points Advance, eligible Cardmombers may obtain and use points in advance of accruing them in their program accounts. Accordingly, on that date the following new section is added to the

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),

2318.10, TA-149 Registered Ohio Travel Agency, Washington UM 600.469.694, ML.S1192. PROMO CODE: C322:0001. (CE 104553) Offers aro made only to Cardmombers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704945 P•epred For