ursday, February 28, 2013 8:43 PM To: Nelson, Justin D Cc Young, Janet E Subject: RE: JEFFREY EPS MIN HI Justin, Based on my review: For your 3 Consumer Cards the only Other option is J.?. Morgan Palladium. The client will ony benefit if he redeems for air travel which is 150bps compared to Seiect's 125bps

ng year of membership for every dollar charged on such linked CCs with any airline or hotel having a Frequent Customer program participating in MR. Consumer Cards and small business Cards linked to the RPG Card will continue to be awarded the bonus. Accordingly, the last sentence of paragraph 1 of the Point A

ng year of membership for every dollar charged on such linked CCs with any airline or hotel having a Frequent Customer program participating in MR. Consumer Cards and small business Cards linked to the RPG Card will continue to be awarded the bonus. Accordingly, the last sentence of paragraph 1 of the Point A

Points section of the Terms & Conditions, the bullets in the first paragraph will be deleted in their entirety and replaced with the following: For Consumer Cards: • Pay Over Time • Eligible American Express Credit Card purchases For Business Cards: • Extended Payment Option • Eligible American Express Cre

Points section of the Terms & Conditions, the bullets in the first paragraph will be deleted in their entirety and replaced with the following: For Consumer Cards: • Pay Over Time • Eligible American Express Credit Card purchases For Business Cards: • Extended Payment Option • Eligible American Express Cre

Points section of the Terms & Conditions, the bullets in the first paragraph will be deleted in their entirety and replaced with the following: For Consumer Cards: Pay Over Time Eligible American Express Credit Card purchases For Business Cards: Extended Payment Option Eligible American Express Credit Card