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er. ADDITIONAL INFORMATION FOR RESIDENTS OF WEST VIRGINIA (CRLDI-RDR1-WV 11/05) Under How Benefits are Pai

August 1, 2006. Accordingly, effective August 1, 2006, the portion of the first sentence of the Annual Fees section of your Agreement that refers to Additional Cards is deleted, and Immediately following that sentence a new sentence is inserted as follows: We will bill to your Account an annual fee of 535 for up

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lances 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 Platinum Cards on your Account, and a single annual fee for each Additional Platinum

er. ADDITIONAL INFORMATION FOR RESIDENTS OF WEST VIRGINIA (CRLDI-RDR1-WV 11/05) Under How Benefits are Pai

August 1, 2006. Accordingly, effective August 1, 2006, the portion of the first sentence of the Annual Fees section of your Agreement that refers to Additional Cards is deleted, and immediately following that sentence a new sentence Is inserted as follows: 'We will bill to your Account an annual fee of $35 for u