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these changes, please call the number on the back of your Card. We May Contact You Effective September 1, 2012, the We may contact you section, in Pan 2 of your Cardmember Agreement, is replaced with the following: Servicing and collections If we need to contact you to service your account or to co

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ee Penalty APR for new transactions above. About your payments Effective December 1, 20 4, the When you must pay section of About your payments in Pan 2 of the Cardmember Agreement is amended by inserting the following sentence after the last sentence: "Each statement also shows a Next Closing Date.