per calendar year 10% discount OR 4 additional points on every eligible dollar spent over $2,000 per calendar year Continued on next page S02N4 BP/OPENSVG/1114 AMEX005288 SONY_GM__02748587 EFTA_00235843 EFTA01677246 JEFFREY E EPSTEIN DUPLICATE COPY Account Ending 0-31003 p. 18/22 Detail of Changes