American rre:

American rre: Teleflora's FLOWER CLUB() BONUS; 2 ATE COPY Earn 10x Points with Flower Club 4 CCCCCC SHIr. BIN RPI _ • • it Earn 10x Membership Rewardse points when you shop with Flower Club through January 31, 2005. Visit www.membershiprewards.flowerclub.com or call 1-800-775-7523 to select beautiful holiday flowers or find last-minute gift ideas. So brighten everyone's day with flowers or a gift from the Flower Club, and bonus points for you. Ober must be placed 6raud, URI shorn aborts or by Owns batmen IMADLI/31/05 Saba/Ey S3I tabs sorb. Cabot be • wth any ot2w cbmi at bait probsticns. To torn tome prin. you mat bo ocyypert in be beyperuitis Pends pnbran et tho Una d pathosant charge Jour Purclba an diptle, enrolled American EsbestAl Card Bonus p&d, vc9 bo crobsd b your crowd bah 10.12 woofs aim charges appear on yew bleb ddement Brass ID: 0237. Wyndham Hotels & Resorts is joining the Membership Rewards® program! Wyndham Hotels & Resorts has destinations throughout North America, the Caribbean and Mexico. At every Wyndham, you'll find a casually elegant atmosphere and amenities such as Herman Miller Aerone chairs and Golden Door® toiletries. Redeem Certificates at Wyndham Hotels, Wyndham Resorts, Wyndham Luxury Resorts or Summerfield Suites by Wyndham. Sayori to aealabaly. Advance rreervatens requited. Earn Double Membership Rewards® Points by Donating to Your Favorite Charity Donate to any of over 1,000,000 U.S. charitable organizations and earn double Membership Rewards® points for every dollar you donate with an eligible, enrolled American Express® Card. This bonus point promotion is only eligible to Cardmembers who donate through the American Express Donation Site between October 1, 2004 and December 31, 2004. To earn trona prate. you must be enrolled bent Member* Rematch Obit= at bo lined 00 dondan and mat charge your purchase on an ellptle. arab Mrercan Ebbw Card. OCCOSOrtS of Venters* Rewads pdnb are not tati dectuctbles Scout Paris wit Le credited to wee M. ttras1.0 licurxds scout with 6-e weeks Mar charges WPM on yam tarp slabbed. The matirrurn rut of pt.t you ear earn Prowls Ws pirtnction b75.000. Scotus ID:5969. American Express Gift Cards • It's Good All Over the Place! Membership Rewards enrollees can now redeem points for American Express® Gift Cards. American Express Gift Cards let the people you care about get exactly what they want, wherever they want. Unlike store gift cards or certificates, American Express Gift Cards are good in over a million places. From sushi to sporting goods to suede jackets, they're good in the U.S. wherever American Express® Cards are accepted. Give them to friends or family for holidays, birthdays, graduations, weddings, or just to say "thank you." Page 6 of 7 Visit witne.membershlp rewards.flowerclub.com or call 1.800-775.7523 to send flowers or gifts for them, and earn 10x points for you. (Bonus ID 0237) To raven these rewards and redeem points, visit vnvw.ameticanexpress. comfrewards or call 1-800-AXP-EARN (297-3276). (MR Message 9185) To make a donation, go to vnonv.americanexpress. comfdonate. Terms and conditions of the Membership Rewards program apply. For mere information visit www. americanexpress.comr rewards. (Bonus ID 5969) To preview this reward and to redeem points, visit www.amertcanexpress. comirewards or call 1-800-AXP-EARN (297-3276). For questions about Gilt Cards, please contact customer service at 1-877-AXP-GIFT. (MR Message 4264) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704793 OPEN savinrififiRa xxxx-xxxxa Pcf.go 7 of 7 Total Savings to Date Savings Since Savings This Period For This Account 0.00 May 2004 Through Dec 01 0.00 0.00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since May 2004 AT&T -5% OPEN SAVINGS Ongoing $0.00 5% $0.00 $0.00 FEDEX - 5% OPEN SAVINGS Ongoing $0.00 5% $0.00 $0.00 HERTZ - 5% OPEN SAVINGS Ongoing $0.00 5% $0.00 $0.00 STAPLES - 2% OPEN SAVINGS Ongoing $0.00 2% $0.00 $0.00 1.800-FLOWERS.COM -15% OPEN SAVINGS Ongoing $0.00 15% $0.00 $0.00 Totals $0:00 $0.00 Other Ways To Save! To see a compete list of partners and ways to save, visit open.americanexpress.com/ savings, or call 1.800 NOW OPEN (669.6736) Ease the headache of payroll with Ceric5an Payroll Services and Save! Put Expense Reports In their place with ExpensAble... Use your Business Card and save on Constant Contact email services. Find the perfect business gift and great savings all -800-FLOWERS.COM. Business Filings provides everything you need to incorporate your business online. EFTA01704794 Blue for Businesssm DUPLICATE COPY OPEN SMALL BUSINESS NETWORK" 6,760 Membership Rewards® Points Available 411/30/044%/hen. ' ' ItagedaltaZoaiiiiks 004 Cleskd Ode 01/03/05 Page 1 of 7 Freya-Is Sainte Parted Aetivilf S New Ace.* $ rd. Adwirnems aid Kinard* Mew Nem New Uwe* $ Minimum Amount Due $ Payment Due Date 01/28/05 4,566.70 0.00 +145.29 c4,711.99 364.82 Minimum Amount Due Includes: Past due amount $239.53 This month's amount duo $125.29 Please refer to page 2 Credit Line Summary Total Credit Line $ Available Credit Line $ Cash Advance Limit $ Available Cash Limit $ on 01/03/05 8,200.00 3,488.01 200.00 200.00 for important inlet-nation regard® YOUr account Your account is past clue. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.amerIcanexpress.com/paybill. Please note, your credit limit is $8,200.00 and your cash limit Is $200.00. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258.3254. Activity "nac"Pan Total of Payment Activity Anemia 0.00 12/29/04 Late Payment Fee 01/03/05 Periodic FINANCE CHARGE 35.00 11029 Total of New Activity 14529 + Plate fed on 888 ;endear, bobs, dtach and ;Kum wth your payment Ti Payment Coupon wilt ppm 110.1.1.15960 Mail Payment to: Payment Due Date: Imams Total New Balance $4,711.99 Minimum Amount Due $364.82 • Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 II 111111111 IS dl 111 Continued on Page 3 Please enter account number on all checks and correspondence. Make check payable to American Express. To avoid additional Finance Charges on Purchases, pay the Nev Balance before the Payment Due Date. Check here if address or telephone number has changed. Note changes an reverse side. 000471199000036482 02 rl EFTA01704795 DUPLICATE COPY Page 2 of 7 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Parents must be in US Dollars and drawn on a bank located in the US (other than a line of credo check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope wth the remittance stub attached and account number indicated on the check. Please do not send post-dated checks. They will be deposited upon receipt. If payment is made in any other lorm or at any other location, there may be a delay in giocessing. We reserve the right to process checkS electronically , at first presentment and any re-presentments, transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be deb1ed as soon as the same day we receive your payment. If wo cannot collect the funds electronically at first presentment,we mayissue a draft against your account for the amount of the check. Authorization for Electronic Payments: By using the American Express Pay By Computer Pay By Phone or any other American Express electronic service, you will be authoringAmericanbanes to initiate an electronic debit to the financial acccunt you specify in the amount you request. To use Pay By Computer, please visit us at wvnv.antericanexpress.opm. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your paper statement, or dick on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel ServiceMoe or call anykocal American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance method to calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rato to the Average Daily Balance (as describ elow) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance for each feature, we (I) take the beginning balance for the feature each day (including unpaid Finance Charges from previous tiling periods), (2) add any new transadions, debits, or lees (3) subtract any payments or credits, and (4) make any appropriate adjustments. For each day after the first day of the billing period, we also add an amount of interest equal to the previous day's daily balance muleplled by the dally periodic ate for the feature. This grves us the daily balance for the feature for that day and the beginning balance b* the feature for the next day. II this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days lithe billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance wil be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billng period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge for the billing period is calculated by adding the Finance Chargesassessed on all features of the Account. This method of calculating the Average Daily Balance end Finance Charge results in daily compounding of Finance Charges. The minimum Finance Charge for any billing periodic which-Finance Charges are imposed is $0.50. In Case of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at open.americanexpress.com, or you can call us at 1 -800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or.1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer,. you are unsure of, and explain as clearly as you can why you believe there is an error or whyyou need more information. We mail investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees andgrace periods by calling 1.800.518-8866. Change el Address I canna on front do not use Nino Canpany Nano Street &Ureic City, Stale tip Code aria Cede and Hone Phone Area Cob and Wont Phene Email r-, To Pay By Phone 1-800-472-9297 Customer Service 1.877.2583254 24 hours/7 days Lost or Stolen Card 1.800.521.6121 International Collect 1.623.492.7719 Hearing Impaired (9am-m EST) TTY: 1-800-221.9950 FAX: 1-800-695.9090 In NY: 1-800-522-1897 O Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing your email address to American Express will enable you jto receive special offers, suited to your needs. EFTA01704796 DUPLICATE COPY For Ancoorit Nurte Cloth, Des 01/03/05 Page 3 of 7 Finance Charges Billing days this penod: 32 Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Balance $ Periocic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ Purchases 4,626.40 0.0745% 27.19% 2722% 11029 Cash Advances 0.00 0.0745% 0.00% 27.22% 0.00 110.29 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704797 DUPLICATE COPY Page 4 of 7 EFTA01704798 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) vmv.americanexpress.com/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembeNfitrfritafthiFils Options' Monthly Statement and Program News Statement Period November 1, 2004 - November 30, 2004 Account activity after this period does not appear on this statement Available Points 6,760 Points are available when charges are paid in lull and all your accounts are in good standing. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 5.391 +1.369 0 0 6,760 New Points Earned 11/01/04 - 11/30/04 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card ISM Totals 1,369 0 1,369 1,369 0 1,369 Merbershp Reward; Outran: parts earned may be vanderred a redeem dm lag as al onstul Card asount are ingad eta-sing. Port Irandetrod a rodeerntd cvmubo fiNOMOdtIOCk irto the POparn. Forfeited points can be reinstated for a fee by calling the number provided below. Bale Cat Wean aro craned in Ma Morrixesht Rewards Chaos argon Toms and Conaions in yox Modborstip Roast Octons Gude. Ilya bore quesbons. ph we •4311 varacamedcarexpeencornrmemberthlprevardsoptions or oil 1-000-AXP-EARN (297-32761. From *anew. call coral 305.8162799 FLOWERS TIIESTORATIOM 1 \ HARDWARE I I Am (iiram EirtiOte „E.... MEMO neN ti • •• Earn 10x Membership Rewards® points from Flowers USA Surprise your Valentine with fresh flowers or unique gifts from Flowers USA! With low prices, starting at just $29.99, choose from a wide variety of fresh flowers and quality gifts for your special Valentine this year. Best of all, earn 10x Membership Rewards points when you shop at www.flowersusa.com/amxmr or call 1-800-873-6165 with promo code 9951. Offer vifilltraran 12/3905. Net yard at total sheds or n cantram vain any other err Iran Flaws 1.154. To earn barn paints. you must to caeca in tic .Varistrafrp Pasant Crobram as; kneel Purchase anti ciwo, icor Dachas° tO an Mgr*. tar:aid American Exposer Card. Bona poNswa be omits to your &sant Minn 10-12 weeks stet Marcel appear en your bane statrmar. Bass 0:1687. Restoration Hardware Joins the Membership Rewards® program Restore your faith in quality and service and reward yourself with a Restoration Hardware Gift Certificate. Easily find Designer quality Home Lighting, Home Furnishings and Textiles, Outdoor Furniture and Garden Accessories. Now! Redeem Points for The Molting Pot Gift Cards! Now you can redeem points for Melting Pot gift cards. At The Melting Pot, fondue becomes a memorable four-course dining experience. Guests enjoy a choice of tour flavorful fondue cooking styles and a variety of tasty entrees Including lobster and sirloin, combined with special dipping sauces. The menu also includes creamy cheese fondues, fresh salads, fine wines and mouthwatering chocolate fondue desserts. To find one of our over 80 locations near you, visit www.meltingpot.com. Page 5 of 7 American. Exrress> Shop online at www.flowersusa. Com/annanr or call 1.800.873-6165 with promo code 3134 for flowers and gifts this Valentine's Day. (Bonus ID 1687) Shop at over 100 Restoration Hardware stores, our catalog 1.800.762-1005 or online at www.Restorationhard ware.com. (MR Message 8137) To redeem for a $50, $100 or $150 The Melting Pot gift card, visit www.americanexpress. corn'rewards or call 1.800-AXP-EARN (297-3276). (MR Message 7324) Continued on ravens Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704799 D s 0 0 O f f C e u F ; ' • • . ficiantesyse Welcbtcycouce „ M£ MG E RA? P till• • • • • ! Atarsitan es ?lite ;RR IN11.0.b1 • ' 011ikrATE COPY IMIS • • Acoourl Nutter American Express• ),0REWARVuJ Earn TRIPLE Points from DiscountOfficeSupply.com - All Year! Now you can earn TRIPLE Membership Rewards® points every time you shop at DiscountOfficeSupply.com, your ultimate online source for everyday office essentials. Earn bonus points while you choose from our selection of over 40,000 items, from office basics to the latest in electronics like PDAs and digital cameras. Plus, orders over $50 qualify for FREE shipping! Mee veld OF04112,31/0S. Free shtoiro does not spay to wars wrier $50 rd evoirdes select coorsacd pore awlrurntwe sob :Iwo To eau toms Danis.you rotor GO M0RA in the MonorsliP Rowarris onna! the the a/purchase aid ohms yea purchase to an erg be. noted knortal Erroccsse. Card. axes poi,Its wa be weds lo yon exam wet 68 vreeire ol Ones .flaring an Yow OFFr3 elefeent Banos ID: 4852 Enjoy Great Rates with Enterprise Rent A Car® Redeem now for an Enterprise rental car certificate, and enjoy great cars, great savings and free pick up* at more than 5,400 airport and neighborhood locations. Call 1-866-875-0459 for reservations, and mention customer code AMXMRP. Choose a $50, $75, $100, $200 or $300 rewards toward your next rental with Enterprise. term* arcl crop-0 sevro osrtryectbgeoorapra, and Sher metro:ea Italia tent& quieten:ea and 0ntnacal WAY Ertegrne Reward owte lams awl Cartes nay. Introducing the Cuisinart 10-Piece Commercial Cookware Set Cuisinart would like to introduce the Cuisinart 10-piece Commercial Cookware Set (PRM395) for 25,000 points. The kitchens of France were the inspiration behind the elegant Cuisinart® Chefs Classic"' Stainless Cookware Collection. Set includes: 1-1/2 Qt. Saucepan w/Cover, 3 Qt. Saucepan w/Cover, 3-1/2 Qt. Sauté Pan w/Helper Handle and Cover, 8" Open Skillet, 10" Open Skillet, and 8 Qt. Stockpot w/Cover. Celebrate 2005 with a Gift Card from 800Wine.com Whether you want to send a gift, join a wine club, or order a new wine rack for yourself, 800VVine.com has just what you need. The premier international wine gift, 800Wine.com ships all gifts locally, ensuring the fastest and least expensive service available today. Order 24 hours a day at www.800VVine.com. Page 6 of 7 Start shopping, saving and earning TRIPLE points at warw.discountoffice supplycom today--and EVERYDAY, ALL YEAR! (Bonus ID 4852) To review these rewards and redeem points, visit www.amencanoxpross. comIrewards or call 1.800-AXP-EARN (297-3276). (MR Message 6167) Redeem row at vnew.americanexpress. corn/rewards. (MR Message 9187) For more information call 1-800-AXP-EARN or log cn to vavim.amettcan express.com/rewards. (MR Message 7148) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704800 OPEN Savinnaha Acccur Nterte• Page 7 of 7 Total Savings to Date Savings Since Savings This Period Jan 2005 Through Jan 02 For This Account 0.00 0.00 0.00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL BUSINESS CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 FEDEX - GROUND, EXPRESS AND INTERNATIONAL SHIPMENTS Ongoing $0.00 5% $0.00 $0.00 HERTZ - CAR RENTALS Ongoing $0.00 5% $0.00 $0.00 1-800-FLOWERS.COM - FLOWERS AND GIFTS Ongoing $0.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at open.americanexpress.com/dashboard. Other Ways To Save! Use your Business Card and save on Constant Contact email services. To see a complete list of partners Manage your business finances more effectively with QuickBooks and save. and ways to save, visit open.americanexpress.com/ Save on gift baskets, gourmet foods and flowers at 1-800-FLOWERS.COM savings, or call Inc:morale your business online with Business Filings. 1-sno-Nnw•OPFN (ARg-R7V) EFTA01704801 DUPLICATE COPY Blue for Business" OPEN SMALL BUSINESS NETWORK" Cht.ro DMe• 02/02/05 • Meinbership Rewards® Points Available at 12131/04, when charge's due are paid in, full ano all accounts are In good standing. Page 1 on PreAous Sabre* S Psiment Acludy $ New AZOrtly Ire. Attest-nets and Flume ...hargOs I Sly New BalanceS Minimum Amount Due $ Payment Due Date 02/27/05 4,711.99 0.00 -37.38 =4,674.61 255.74 Minimum Amount Due Includes: Past due amount $138.14 TNs month's amount due $117.60 Credit Lino Total Credit Available Credit Cash Advance Available Cash Summary Une $ Line $ Limit $ Umit $ Please refer to page 2 on 02/02/05 8200.00 3,525.39 0.00 0.00 for impatient information regarding your account Your account is past due. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877-258-3254. Activity .'atatesPc.""e Total of Payment Activity Amounts 0.00 /WARMS 01/13/05' Credit Adjustment for Purchas..9 F flare.? Cnarge 01/13/05 Credit Adjustment for Purchase F narce Ciarge 01113/05' Credit Adjustment for Purchase Pearce Cnarge 01113/05* Credit Adjustment for Purchase Finance. Ciarge 01/13105' Credit Adjt.stment for Purchase Finance Cnarge 01/13/05' Credit Adjustment for Purchase Finance Cnarge 01/13/05' Credit Adjustment for Purchase Enance Charge 01113/05' Dispute - CHEVRON 0211 /!e 01/13/05' Dispute - CHEVRON 0211778 • PilaSe lOtS an the podOlabOn bokvi,chlta:Ilard NfUnl vat Ku( paMinl Payment Coupon Mail Payment to: 5960 . Payment Due Date: 02/27/05 Total New Balance $ 4,674.61 Minimum Amount Due $255.74 Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 .• Credit 1.79 cticitq -ton Create 0.83 Credt 40,45. erect Cteut. Continued on Page 3 Please enter account number on all checks and correspondence. Make check payable to American Express. To avoid additional Finance Charges on PurchaSeS, pay the New Balance before the Payment Due Date. Check here if address or telephone number has changed. Note changes on reverse side. 000467461000025574 02 ii EFTA01704802 DUPLICATE COPY Page 2 of 7 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit your payment in the enclosed envelope with the remittance stub attached and account number indicated on the check. Please do no; send post-dated checks. They will be deposited upon receipt. If payment is made in any other form or at any other location, there may be a delay in processing. We reserve the right to process checks electronically , at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronic* at first presentment,we may issue a draft against your account for the amount of the check. Authorization for Electronic Payments: By using the American Express Pay By Computer,_ Pay By Phone or any other American Exdess °Notre= payment service, you will ba authorizing American Egress to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us at vnvw.americanexpress.com. Lost or Stolen Card: If the Card Is lost or stolen, in the U.S. immediately telephone us at the number indicated on your paper statement,_or dick on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel ServiceOffice or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance method to calculate Finance Charges on your Account. Under thismethod, we figure the Finance Charges on your Account by al: flying the daily periodic rate to the Average Daily Balance (as describedbelow) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (ina-iding unpaid Finance Charges from previous billing periods), (2) add any new transactions, debits, or fees, (3) subtract any paymenNor credits, and (4) make any appropriate aciustme . For each day offer the first day of the billing od, we also add an amount of Interest equal to the previous days deity balance multiplied by the d ly periodic rate for the feature. This gives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, 4 is considered to be zero. Then, we add up all the daily balances for the feature for the billing period and divide the total by the number of days in the tilling period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, If any, shown on your previous month's statement by the Payment Due Date shown on that statement. If you multiply the Average DailyBalance for each feature by the number of days in the billing period and the daily periodic rate for that Nature, the result will be the Finance Charge assessed on that feature, except for variations causod by rounding. The total Finance Charge for the baling period is calculated by adding the Finance Charges assessed on all features of the Account. This method of calculating the Average Deily Balance end Finance Charge results in deiry compounding of Finance Charges. The minimum Finance Charge for any billing period in which-Finance Charges are imposed is S0.50. In Caso of Errors or Questions About Your Electronic Transfers: Please contact us by visiting us online at opan.arnericanewesscom s or you can call us at 1.800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possilote. We must hear Irom you no later than 60 days after we sent you the FIRST statement on which the proNem ores wee When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as dearly as you can why you believe there is an error or why you need more information. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes its to complete our investigation. Creditor. American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative cxedit card rates, fees and grace periods by calling 14300-518-8866. change of Address I colloid, hoot do riot uto NKr* Company Name Street Addroos Gay. Stale Zp Odle AMA cow and Hon Phone Area Cods and Work Phone Email r IM ■ MEM= U. 1 F1 To Pay By Phone 1.800-472.9297 Customer Service 1.877.258-3254 24 hoursr7 days Lost or Stden Card 1-800-521-8121 International Collect 1-623-492-7719 Hearing Impaired (gam-5pm EST) TTY: 1.800-2'21.9950 FAX: 1-800-695-9090 In NY: 1-800-522-1897 • Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329.7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336.3002 Providing your email address to American Express will enable you jto receive Special Ohara. suitedto your needs. EFTA01704803 DUPLICATE COPY MOW ' CkeIng Date 02/02/05 Page 3 of 7 New Activity continued eunt$ 01/13/05' D spute CHEVFiGN 021!77d 01/11051 Dcoute - CHEVRON 0211778 C1/13,05 D spute - CHEVFON 0211773 01/13/05' D spute - CHEVRON 0211778 • '01113/0u* D spute CHEVRON 0211778 4- 35.00 ••• -28.59=t Credit -21.87 . -21.62 Credit 2958:. Credit≤:;` 01/30105 Late Payment Fee 02/02/05 Periodic FINANCE CHARGE 102.60 Total of New Activity -37.38 Finance Charges Billing days this period: 30 Purchases Cash Advances Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGE $ 4,591.03 0.0745% 27.18% 27.22% 102.60 0.00 0.0745% 0.00% 27.22% 0.00 102.60 Certain of the periods rates and APRs above may be variable. Those rates may vary based upon the pdme rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently in effect. EFTA01704804 DUPLICATE COPY Pajel..of 7 EFTA01704805 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) www.americanexpress.com/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 Account Summary New Points Earned 12/01/O4 - 12/31/04 MembeRnifilifarlls Options` Monthly Statement and Program News Statement Period December 1, 2004 - December 31, 2004 Account activity after this period does not alines on this statement Available Points 6,883 Points are available when charges are paid in lull and all your accounts are in good standing. Opening points balance 6,760 New points earned +123 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 6,883 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card Blue For Business 123 0 123 Totals 123 0 123 Monter* te fieoarda Cpberz pOnia owned may be 4weltered or redeemed co lay as ell cevelbd toad exact:eye in geed dandnp. Poils eansieved a rockerned canal be reverted beeain:ono oreywn. Forfeited points can be reinstated lera fee by calling the number provided below. E'gbie Cad eivapet we canoed in the Vembeestip Rereads Ccecos program Terms arxiCeednees in yeu: Merrteratvp Revtxds Coxes Gide ycu ha:cgs:beet, piece www.americanexpresoceinMembershiprewardsoptIont a cal 1-093.AXP-EARN (Y374276). From overtook cal cob:0305-816-2799. Ariiiiitiza.Z iris* LINENS.NTHINGS .Support Tsunami Support Reliefs with Membership Rewards® points Use Membership Rewards points to support the Tsunami Disaster Relief effort. Now through March 31, 2005, you can redeem points TO MAKE A DONATION TO ANY OF 70 organizations that are providing aid in countries affected by Tsunami. Experience the Thrill This Valentine's Day Give your loved one a gift that will make his heart race. Redeem for a Richard Petty Driving Experience certificate for a ride-along in a NASCAR-style stock car at Welt Disney Worlds' Speedway for only 10,000 Membership Rewards® points. Or, put him behind the wheel for 35,500 Membership Rewards points. It's a gift that he will never forget. Terms at ea-Caere apply. for not iriorn at;:n. sae wiwisnembershIptewardi.com. Reward Yourself at LInens'n Things Unens'n Things is the one-stop superstore for all your home fashion, houseware and home decorating needs. All the brand names you trust at guaranteed low prices everyday. Linens'n Things. Dream big. Pay little. Page 5 of 7 irmcri.an E vprest.. ,acz.-NICNIBERSHIP II. (th.R.IL For more information, log on to www.americanexpress. corn/rewards. (MR Message 4061) To learn more, visit www.1800bepetty.com or call 1-800.8E-PETTY (237-3889) or to transfer Membership Rewards points, go to wvnv. americanexpress.conil rewards or call 1-800- AXP-EARN (297-3276). (MR Message 4242) To find one of the nearly 500 locations nationwide nearest yv.i, call ton-free 1-866-568-7378 or shop www.lnt.com anytime. (MR Message 2201) Continued on reverse Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704806 COPY American Exr ress• "ATE awards® Account Hinter M CM 0(P iI11P Page 6 of 7 311/411:-ATE EWA API CAPITAL; EXIMUNSU knit a raai MEMSERSMIP REIVAR JI _" 4: Aiti t,TtanHei Xi el ORECK Redeem points for The Capital Grille Certificates Enjoy gracious service and an elegant and relaxed atmosphere at The Capital Grille. Nationally acclaimed for dry-aging steaks on the premises, The Capital Grille serves classic steakhouse offerings, such as chops, lobsters and fresh seafood. The restaurant also features an award-winning wine list with more than 300 wines from which to choose. Redeem points for a $100 or $250 The Capital Grille certificate. Vote the Membership Rewards® program Your Favorite Rewards program! Now through March 15, 2005, you can vote for the 17th Annual Freddie Awards. This is your chance to voice your opinions about your favorite frequent travel program, like the Membership Rewards program. Earn Triple points at American Pearl Choose the beautiful gift of pearls or another unique creation for someone special at Ainerican Pearl. Packaged in a distinctive red box, your American Pearl gift is sure to strike the perfect romantic note. And now, you can earn triple Membership Rewards® points on any purchase of $1,000 or more now through April 30th, 2005. Ohm v94 Than Decanter I, 20Ds 13 Apra 30, NOS on purchases el SECO) a mot Tote er4the 10 earn tote Wats, you mustbesward In Me thotersh0 Ratted rtt90Ull a' 01 pa:chase end you oval cMrge puchms on an MGM encored Nnalorm Eton. Gard. Bras pears v.4 teas:MD to your Waite p finch tot ;at MUM 84 voveks ohm chat** appear co }our h&c sttartent Dams ID. 106). Introducing the CREATIVE MUVO Micro 256MB MP3PNMA Player Introducing the CREATIVE MUVO Micro 256MIYMP3/WMA Player (PRM474) for 16,000 points. Incredibly thin in design, it's packed with the latest features to meet all your needs. Enjoy the amazing, skip-free, audio quality when you're listening to your MPS and WMA music. The MUVO Micro N200 comes complete with an FM tuner, Voice/FM recording, and Line-In encoding for direct connection and recording from any audio source. Earn Double points from Oreck • Everyday, All Year! Now Oreck offers Double points whenever you call 1-800-471-1446 and use your Card to purchase an Oreck product anytime, all year long. Select the Celoc® Hypo-Allergenic Plus 8-lb Oreck XL® Vacuum, and you'll also receive the 5-lb Oreck Compact Canister with 8 attachments perfect for small pickups and hard-to-reach places, PLUS, Double Membership Rewards® points. Mee arid Mouth 12/3905. Net void on fibre puroliasos. To earn bow, point, you must be encored in the Membership Rewerch program et to tine el purchace card oher your ashaltaso to an eighth enrolkd Amman Emireeet. Card. Bonus p&t. wit be oredted le your filmnbenhp Remark. =cat wear St weeks stet dints appear on yew big etablentml Brous 0: 9836. Log on to www.americanexpress. comfrewards or call 1.800.11XP-EARN (297-3276). (MR Message 4012) Log on to www.freddleawards.com to cast your vote now! (MR Message 5218) Visit vormamencanpeartcom or call 1.800.847-3275 to shop and earn points. (Bonus ID 1048) Redeem now at • — vninv.ameticanexpress. conVrewards. (MR Messge 2257) Call 1.800-471.1446 to earn Double points on any 0reck purchase everyday, all yew. (Bonus ID 9836) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01704807 OPEN SavinrgelThifPgy 7 of 7 S Total Savings to Date Savings Since Savings This Period Jan 2005 Through Feb 01 For This Account 0.00 0.00 0.00 Program End Date Transactions This Period Discount % or Credit Savings This Period Savings Since Jan 2005 AT&T - LOCAL AND LONG DISTANCE SMALL B CALLING PLANS Ongoing $0.00 5% $0.00 $0.00 FEDEX - GROUND, EXPRESS AND INTERNATIONAL SHIPMENTS Ongoing $0.00 5% $0.00 $0.00 HERTZ-CAR RENTALS Ongoing $0 0C 5% $0.00 $0.00 STAPLES - OFFICE SUPPLIES IN-STORE, ONLINE, OR BY CATALOG Ongoing $0.00 2% $0.00 $0.00 1-500-FLOWERS.COM - FLOWERS AND GIFTS Ongoing 50.00 15% $0.00 $0.00 Totals $0.00 $0.00 Your OPEN Savings are updated daily on your small business Dashboard online at open.arnericanexpress.conVdashboard. Other Ways To Save! To see a complete list of partners and ways to save, visit open.americanexpress.com/ savings, or call 1-603 NOW OPEN (669.6736) Put Expense Reports in their place with ExpensAble... Use your Business Card and save on subscriptions to USA•TODAY. Business Filings provides everything you need to incorporate your business online. Show your employees, prospects and clients your appreciation with a gift from 1.800•FLOWERS.COM Save on Ouidd3ooks financial management software and spend more time on your business, less time on your books. EFTA01704808 DUPLICATE COPY Blue for Business"' OPEN SMALL BUSINESS NETWORK" ?‘5., fnike,rshiP Rewards t,e4Poi Avillable;.; a101/31/105, when chargetickreaMeaid in liarand all bbowie are irigobastandirig. 1 Pi_ yed Fee Account Nurrber New Acidly me. &just-nerd bed Pre/roue Banco Padded Actiody $ FneroeChsgsdory New Basta $ Closbu Dale 03/02/05 Minimum Amount Due $ 4,674.61 0.00 +134.48 =4,809.09 370.22 Credit Line Total Credit Available Credit Cash Advance Available Cash Summary Line $ Line $ Limit $ Limit $ on 03/02/05 8,200.00 3,390.91 0.00 0.00 See Page 7 For A Notice Of Changes To Your Agreement See Page 9 For An Important Privacy Notice Page 1 of 10 Payment Due Date 03/27/05 Minimum Amount Due Includes: Past due amount $255.74 This month's amount due $114.48 Please refer to page 2 for important information regarding your account Your account is past due. Please pay the past due amount immediately. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. This statement is for information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the minimum due amount, your account is in default and the balance is due in full. To manage your Account, visit us online at open.americanexpress.com or call Customer Service at 1-877.2583254. Activity "nfraim`ifud* Total of Payment Activity 0.00 Amounts Amount 03/01/05 Late Payment Fee 35.00 03/02/05 Periodic FINANCE CHARGE 99.48 Total of New Activity 134.48 Please led on Ire partoraion babe,. delech ard return writ) your pawned Payment Coupon PR MR= Mail Payment to: 76 - 5960 Payment Due Date: 03/27/05 Total New Balance $4,809.09 Minimum Amount Due $370.22 • Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 II IIIIIIl IIIII IIIIIIIIIIIIIIIIIIII IIIIi IIIII II I IIIIIII II I II III Continued on Page 9 Please enter account number on all checks and correspondence. Make check payable to American Express. To avoid additional Finance Charges on Purchases, pay the New Balance belay the Payment Due Date. Check here if address or telephone number has changed. Note changes on reverse side. 0001480909000037022 02 ri EFTA01704809 DUPLICATE COPY Page 2 of 10 Payments: Payments received after 12:00 noon or on weekends or holidays may not be credited until the next business day. Payments must be in US Dollars and drawn on a bank located in the US (other than a line of credit check issued by American Express Bank, FSB or American Express Centurion Bank). If you are not paying electronically or by phone, please submit yaur payment in the enclosed envelope with the remittance stub attached and account number indicated on the crack. Please do not send post-dated checks. They wilt be deposited upon receipt. If payment is made In any ether form or at any other location, there may be a delay in processing. We reserve the r.ght to process checks electronically , at first presentment and any re-presentments, by transmitting the amount of the check, routing number, account number and check serial number to your financial institution. Your checking account may be debited as soon as the same day we receive your payment. If we cannot collect the funds electronically at first presentment, we may issue a &aft against your account for the amount of the check. Authorization for Electronic Payments: By using the American Express Pay By Computer, Pay By Phone or any Other American Express electronic payment service, you will be authorizing American Exp-ess to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, please visit us abwo.v.amoricanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number indicated on your paper statement. ,or dick on the Customer Service link online. Outside the U.S. contact the nearest American Express Travel Service Moe or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges:We use the Average Daily Balance methodto calculate Finance Charges on your Account. Under this method, we figure the Finance Charges on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (suth as Purchase., Cash Advance and Balance Transfer features) of your Account (including current transactions). To get the Average toady Balance for each feature, we take the beginning balance for the feature each day (inclutfing unpaid ceFinan Charges from previous billing periods), (2) add any new transactions, debits, or fees (3) subtract any payments or credits, and (4) make any appropriate adjustments.For each day ear the first day of the billing period, we also add an amount of Interest equal to the previous days daily balance multiplied by the daily periodic rate for the feature. Thisgives us the daily balance for the feature for that day and the beginning balance for the feature for the next day. If this balance is negative, it is considered to be zero. Then, we add up all the daily balances for the feature for the biting penod and divide the total by the number of days in the billing period. This gives us the Average Daily Balance for the feature. For all features except Cash Advances and certain promotions, the Average Daily Balance will be considered to be zero if you paid the New Balance, if any, shown on your previous month's statement by the Payment Due Dale shown on that statement. If you multiply the Average Daily Balance for each feature by the number of days in the billing period and the daily periodic rate for that feature, the result will be the Finance Charge assessed on that feature, except for variations caused by rounding. The total Finance Charge. for the tilling period is calculated by adding the Finance Charges assessed on all features of the Account. This method of calculating the Average Daily Balance and Finance Charge results In daily compounding of Finance Charges. The minimum Finance Charge fcr any billing period in which Finance Charges are imposed is $0.50. Transactions Made In Foreign Currencies: If you incur a Charge in a foreign currency, k will be converted into US dollars on the date it is processed by us or ow agents. UnleSs a particular rate is required by applicable law, we will choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a Charge in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion dale or the prior business day, in each instance increased by 2%. This conversion rate may differ from rates in effect on the date of your Charge. Charges converted by establishments (such as airlines) will be billed at the rates such establishments use. In Case of Errors or Questions About Your Electronic Transfers: Please contact-us by visiting. us oNine.at open.americanexpress.com or you can call us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer issues, or 1-800-CASH-NOW for Express Cash and automatic payment issues. You can also write to the Express Cash Operations address indicated on your statement. If you think your statement, receipt, or transaction is wrong, please contact us as soon as possible. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. When contacting us: 1. Tell us your name and account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, and explain as clearly as you can why you believe there is an error or whyyou need more information. We will investigate your complaint and cored any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. Creditor: American Express Bank, FSB. New York residents may contact the New York Banking Department to obtain a comparative credit card rates, fees and grace periods by calling 1-800518.8866. Change of Address If cosoct on front do rot uto To Pay By Phone 1-800.472.9297 Customer Service 1-877-255-3254 24 hours/7 days Lost or Stolen Card 1.800.521.6121 International Coiled 1-623-492-7719 Hearing Impaired (9am-5pm EST) TTY: I-800.221-9950 FAX: 1-800-695-9090 In NY: 1-800-522-1897 • Correspondence Customer Service P.O. Box 7863 Ft. Lauderdale, FL 33329-7863 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Name canny Name Street addicts Cry, Slat Zoo Colo Area Coda and Homo Ftono Area Colo and Work Phone Dna I r_ I__I_ H Providaig your emarl address to American Express will enable you to rficeivespecial offers, suited to your needs. I 1 I L monj EFTA01704810 DUPLICATE COPY as Fa CI*lito Data 03/02/05 Page 3 of 10 Finance Charges Billing days this period: 28 Average Daily Daily Actual ANNUAL Nominal ANNUAL Periodic Balance $ Periodic Rate PERCENTAGE PERCENTAGE FINANCE RATE RATE CHARGES Purchases 4,724.87 0.0752% 27.44% 27.48% 99.48 Cash Advances 0.00 0.0752% 0.00% 27.48% 0.00 99.48 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wall Street Journal, as described in your Cardmember Agreement as currently In effect. EFTA01704811 DUPLICATE COPY Zsco, htrber Page 4 of 10 EFTA01704812 For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) www.americanexpress.ccm/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 MembeRiiifrit@G9114:Is Options" Monthly Statement and Program News Statement Period January 1, 2005 - January 31, 2005 Account activity after this period ooes rot appear on this statement Available Points 6,883 Points are available when charges are paid in full and all your accounts are in good standing. Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 6,883 0 0 0 6,883 New Points Earned 01/01/05 - 01/31/05 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card BI F r6f in 0 0 0 0 0 Ateenbetshp Rewards Outcry poi* owned rut be battened a redeemed as Iona as ae orsciled C,td ttccutit we is good standup. Posit Varolotrad or rodeecnod cannot be teamedbad( irlo the crowns Forfeited points can be reinstated to a tee by calling the number provided below. Dobler Cardcharges ate cuilneel in the Venter:hp Rends Mona pow xn Ten ard Gallium in sour Ltrerbershis Rewards Cocos Guile. 'stet have wanton% please vial witter.amitticompresiconshrietribershiprewardsoplione or tell 1-8004003-EARN (297-3276). From creaser...sal cthod105-816-2759. Support Tsunami Support Reliefs with Membership Rewards® points Use Membership Rewards points to support the Tsunami Disaster Relief effort. Now through March 31, 2005, you can redeem points TO MAKE A DONATIO