ge when the Penalty APR may apply to your account. AMEX002740 CMLENGDPRUS0006 SDNY_GM_02746039 EFTA_00233295 EFTA01674698 JEFFREY E EPSTEIN D VPANffigng 9a 2io2 p 8/12 Details of Changes to Your Cardmember Agreement This notice amends your Cardmember Agreement (the "Agreement") as described below.