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2004) We are increasing the fee to $38 whenever any check, similar instrument, electronic payment order that we receive, or a check presented at an American Express Travel Services Office or other authorized location is not honored by your bank or other financial institution. Accordingly, we are amending the Other Fees section of your

f the greatest of the three calculations immediately above is the current month's billed Finance Charges, then we will add 515 to the calculation of the Minimum Payment. You may pay more than the Minimum Payment, up to the entire New Balance, at any time? BP/C01FYI/0304 EFTA01703565 DUPLICATE COPY Prtc.alc.: J

2004) We are Increasing the fee to $38 whenever any check, similar instrument, electronic payment order that we receive, or a check presented at an American Express Travel Services Office or other authorized location is not honored by your bank or other financial Institution. Accordingly, vie are amending the Other Fees section of you

f the greatest of the three calculations immediately above is the current month's billed Finance Charges, then we will add $15 to the calculation of the Minimum Payment. You may pay more than the Minimum Payment, up to the entire New Balance, at any time." BP/CO2FYI/0304 EFTA01704111 DUPLICATE COPY G MAXWELL P

2004) We are increasing the fee to $38 whenever any check, similar instrument, electronic payment order that we receive, or a check presented at an American Express Travel Services Office or other authorized fccatlon Is not honored by your bank or other financial institution. Accordingly, we are amending the Other Fees section of your

f the greatest of the three calculations immediately above is the current month's billed Finance Charges, then we will add $15 to the calculation of the Minimum Payment. You may pay more than the Minimum Payment, up to the entire New Balance, at any time' BP/CO1FYI/0304 EFTA01704917 DUPLICATE COPY ammo For JEF

2004) We are increasing the fee to $38 whenever any check, similar Instrument, electronic payment order that we recelve,.or a check presented at an American Express Travel Services Office or other authorized location is not honored by your bank or other financial Institution. Accordingly, we are amending the Other Fees section of your

f the greatest of the three calculations immediately above Is the current month's billed Finance Charges, then we will add $15 to the calculation of the Minimum Payment. You may pay more than the Minimum Payment, up to the entire New Balance, at any time." BP/CO2FYI/0304 EFTA01726625 DUPLICATE COPY Ed F.:: Pag