ated: 1/27/2004 /s/ The Honorable Victoria Chaney Judge of the Superior Court BPRAUtOCI1O304 T5047 EFTA01726726 DUPLICATE COPY Axount Minty Clcoirg Dais 03/16/04 Page 9 of 12 Notice of Changes to Your Agreement We are making Important Changes to your American Express Cardmember Agreement governing