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0 MADISON NY 353.03 SALES 04/26/05 LIGHTHOUSE INTERNATINEW YORK NY GIFT, CARD, NOVELTY AND GIFT, CARD, NOVELTY AND SOUVENIR STORES 04/28/05 TIFFANY AND COMPANY PALM BEACH FL 585.75 SILVER GIFT/WRITING INS 04/28/05 POLO RETAIL CORPORATPALM BEACH FL 63.90 GENERAL MERCHANDISE 04/28/05 WILU

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,

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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

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alances. Amounts applied to Feature balances veil 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,