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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. In most cases, we will apply purchase credits first to the balance from which the corresponding debit originated. However, for servicing,

0,0 1090MiffaMi aWroMise 11/07/05 Pagel °Ili Please Pay Upon Receipt Please refer to page 2 for important information regarding your account See Page 9 For A Notice Of Changes To Your Agreement Your communication is acknowledged. Do not pay disputed amount until resolved. For automatic replacement of a

yments to Feature balances last, and (among Feature balances) first to Feature balances at lower Annual Percentage Rates ("APRs") and then to higher APR Feature balances. In most cases, we will apply purchase credits first to the balance from which the corresponding debit originated. However, for servicing,

11129/06 Page 1 of 9 New Balance $ 1,684.56 Please Pay By 12/14/06 Please refer to page 3 for important information regarding your account See Page 9 For A Notice Of Changes To Your Membership Rewardse Program Account For assistance or questions about your account, contact us at www.americanexpress.co

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