Fees and Returned Payment Fees Effective September 1, 2019, the Fees section on page 1 of Part 1 of the Cardmember Agreement is amended by deleting the Late Payment and Return Payment fees under the Penalty Fees subsection and replacing it with the following: Penalty Fees • Late Payment • Returned Payment

Fees and Returned Payment Fees Effective September 1, 2019, the Fees section on page 1 of Part 1 of the Cardmember Agreement is amended by deleting the Late Payment and Return Payment fees under the Penalty Fees subsection and replacing it with the following: Penalty Fees • Late Payment • Returned Payment

Fees and Returned Payment Fees Effective September 1, 2019, the Fees section on page 1 of Part 1 of the Cardmember Agreement is amended by deleting the Late Payment and Return Payment fees under the Penalty Fees subsection and replacing it with the following: Penalty Fees • Late Payment • Returned Payment

Fees and Returned Payment Fees Effective September 1, 2019, the Fees section on page 1 of Part 1 of the Cardmember Agreement is amended by deleting the Late Payment and Return Payment fees under the Penalty Fees subsection and replacing it with the following: Penalty Fees Late Payment Returned Payment Up to