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balances. Amounts applied to Feature balances will be applied first to Feature balances at lower Annual Percentage Rates ("APRs") and then to higher APR Feature balances." Annual Fees We are changing the annual fee structure for Additional Cards. We will charge a single annual fee for up to three Additional

eria. EFTA01661204 DUPLICATE COPY Prepuce For 4 JEFFREY E EPSTEIN )000(4000a Page 8 of 8 Will Your Auto Insurance Company Be There for You? Ameriprise Auto & Home Insurance is there for our clients. Our underwriters have received an "A" (Excellent) rating by A.M. Best, the leading independent rater of insurance compani

balances. Amounts applied to Feature balances will be applied first to Feature balances at lower Annual Percentage Rates ("APRs") and then to higher APR Feature balances." Annual Fees We are changing the annual fee structure fix Additional Cards. We will charge a single annual fee for up to three Additional