DUPLICATE COPY

DUPLICATE COPY Optima® from American Express Premed Fos JANUSZ BANASIAK Precious Skew $ 6,989.53 Total Credit Line $ 9,800.00 Credit Line Summary on 01/15/04 Points Available 1 ai.ov15mttmop64Ois!foNigtOIN :and all your,accounte"eirtglebstStrindetg. i Acocr.ct Ntsrittet CA-ton9Dsc 01/15/04 Page 1 of 8 AeNly $ Inc. 1.44tt-ncrta finance Chatr.t. New Beams Minimum Amount Due Payment Due Date 02/09/04 +137.27- a6,876.80 1 38 00 - Please refer to page 2 for important information regarding your account Available Credit Cash Advance Available Cash Line $ Limit $ Limit $ 2,923.00 8,100.00 2,923.00 Minimum Payment due by Payment Due Date. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $2,923.00. Contact us at www.americanexpress.com or call Customer Service at 1.800.635-5955. One Less Thing to Worry About this New Year Sign up to view your Account online to make sure that all your presents, gift certificates, and plane tickets are recorded and accurate. It only takes a few seconds for you to check your statement and view your most recent Account activity--you can even pay your bill online. It's a great way to help you keep track of all your spending. Sign up today at: www.amerioanexpress.com/mycardaccount Activity Infuses patio, eel Amount c U.9gtvCPKrHAIsslq9P1 2141 New AcveticvelifahJANUSZ BANASIAK Cud =Mc ameunt* 12/29/03 LONGHORN 167 GERMANTOWN 000306067 FOOD-BEV 12/28/03 MD 77.12 12/3603 HP PARTS/SUPPORT — GA 4395212 2087610/20/03 25.00 01/15/04 Periodic FINANCE CHARGE 35.15 Total of New Activity 137.27 Peon foe on the porforeitoteow. death ard :event, You pemel Payment Coupon Pa IAD 20876-5960 Ink II luiluld ml.lim I. I II. I had II Mail Payment to: Payment Due Date: 02/09/04 Total New Balance $ 6,876.80 Minimum Amount Due 2138.00 Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 I I Continued on Page 3 Please enter account number on all checks and correspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Date. Note any address and/or telephone number change on reverse side. Unless you check here, this change will apply to all of your Card Accounts except any Corporate Card Accounts you have. O 000687680000013800 16r1r1 EFTA01726703 DUPLICATE COPY Petoarod For Accountli JANUSZ BANASIAK )000cMommPage 2 of 8 Payments: Payments received after 12:00 noon or on weekends or hokdays may not be credited until the next business day. Payments must be in US DdlarS and drawn on a bank located in the US (other than American Express Centurion Bank), in the enclosed envelo. with the remittance stub attached and account number listed on the check. Please do not send postdated 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 procoss checks otedrcnicaly, 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 can not collect the funds electronically 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 Express electronic payment service, you will be authorizing American Express to initiate an electronic debit to the financial account you specify in the amount you request. To use Pay By Computer, pleasevisit us at vivnitamericanexpress.com. Lost or Stolen Card: If the Card is lost or stolen, in the U.S. immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Officeor call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying the daily periodic rate to the Average Daily Balance (as described below) for each feature (such as Purchase, Cash Advance and Balance Transfer features) of your Account Orcluding current transactions). To get the Average Daily Balance for each feature, we (1) take the beginning balance for the feature each day (including unpaid FC from previous bitting periods), (2) add any new transactions, decits, or fees, (3) subtract any payments or credits, and (4) make any appropriate a ustments. For each day after the first day of the billing period, we also add an amount of Interest equ to the previous day's daily balance multiplied by the daily periodic rate for the feature. This gives us the daily baknce 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 tilling period 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 Date 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 FC assessed on that feature, except for variations caused by rounding. The total FC for the billing period is calculated by adding the FC assessed on all features of the Account. This method of calculating. the Average Daily Balance and FC results in daily compounding of FC. The minimum FC for any bang period in which FC are imposed is $0.50. Bfilling_Rtghts Summa In Case of Errors or Questions About Your Bill: If you think your bill is incorrect, or if you needmore orm ion about a transaction on your bill, write us on a separate sheet of paper at the address noted to the right. We must hear from you no laterthan 60 days after we sent you the FIRST baton which the offeror problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so will not (reserve your rights. In your letter, give us the following Information: 1. Your name and account number; 2. The dollar amount of the suspected error ,-3. Describe why you believe there is an error. It you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still °Negated to pay the parts of your bill that we not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatb payment is scheduled to occur. Special Rule For Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, arid you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods Or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 mites of your main; addross. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) in Case of Errors or Questions About Your Electronic Transfers: Please contact us by nicking on the Customer Service Unk online at kwnitamericanexpess.com, or you can call us at 1-800-IPAY-AXP for Pay.By Phone & Pay By Computer issues, or 1-803-CASH-NOW for Express Cash & automatic payment issues. You can also write to the Express Cash Operations address indcated 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 ro later than 60days after we sent you the FIRST statement on which the Nrob'em or error appeared. When contacting us: 1. Tell us your name & account number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as Beady as you can why you believe there is an error or why you need more information. We will investigate your complaint & 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 wit have use of the money during the time 'Hakes us to comptete our investigation. Credit Balance: If a credit balance(designatedle'W) is shown on ttrs statement it represents money owed to you. You may make charges against the credt balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, wo will, within 30 days after expiration of the six-month period following the date of the first statement indicating the deaf balance, issue a check to you for the credit balance in your account if the amount is $1.00 or more. Creditor. American Express Centurion Bank. New York residents may contact the New York Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1.800-518.8866. Change of Ackkosa COICCIOP icor* do not use Nacre Company Nwria Steel Add, es@ chg. Sale tp Co:10 Area Code end Horne Phone Area Code and Wok PhOne Email r Li arl I I_i_ I _t____1 1 _I 1 I -1-1- 1 1 To Pay By Phone 1.800.472.9297 Customer Service 1.800.635.5955 24 hours/7 days International Collect 1.336.393.1111 Hearing impaired (9am-5pm, EST) TTY: 1-800-221.9950 FAX: 1-800.695.9090 In NY: 1-800-552-1897 Correspondence Customer Service 777 American Expressway Ft. Lauderdale, FL 33337-0001 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 Payments PO BOX 360002 FT LAUDERDALE FL 33336-0002 Providing your emal address to American Express will enable you jto receive special offers, suited to your needs. EFTA01726704 DUPLICATE COPY Pup :rod FO! JANUSZ BANASIAK Acco.n: hurrIxr Closig Dab • XXXX-XXXX> 01/15/04 Page 3 of 8 Finance Charges Billing days this period: 31 Average Daily Balm= $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE P. iodic FINANCE CHARGE $ Purchases 212.12 0.0246% 8.99% 8.99% 1.62 Cash Advances 0.00 0.0520% 0.00% 18.99% 0.00 Check/Balance Transfer 6,676.40 0.0162% 5.90% 5.90% 33.53 35.15 Certain of the periodic rates and APRs above may be variable. Those rates may vary based upon the prime rate identified in the Wan Street Journal, as described In your Cardmember Agreement as currently in effect. EFTA01726705 DUPLICATE COPY Account Nurra Kea-X)O0C< Page 4 of 8 EFTA01726706 Totals For questions about your Membership Rewards account, contact 1-800-AXP-EARN (297-3276) www.arnericanexpress con'/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329.9785 Account Summary New Points Earned 11/01/03 - 11/30/03 MembeNtlifilleinWils Options" Monthly Statement and Program News Page 5 of 8 American Expresso Statement Period tral l }WI November 1, 2003 - November 30, 2003 Account activity attar this period does not appear on the statement snip Available Points 1,323 Points are available when charges are paid in full and all your accounts are in good standing. Opening points balance 478 New points earned +847 Points transferred or redeemed 0 Reinstated points and adjustments 0 New points balance 1,323 Points Activity On Bonus Points Total Posts ACtivitY Eligible Charges Awarded Per Card 847 0 847 847 0 847 Merbersilp Rev.'s's% Como pane caned rnor be inntieued a redeemed as Imp mall emceed Cad amounts are Inwood starch% Pride ramittsed a mderfrod wool be revers:0 bsk into de pros:ern. Forklift' points cast be reinstated amain by calling the number provided below. Elgbe Gudchaiists ale wirml el the Meiltershp Ravages CM= proven Terms erclCredSeas In your Mombasa° Reeved. Omsoos Gado. IS yes' Mro mesbons. pleme visit www.aimilcanexpme.conVinembershIpaavardsep0orss or call 1-800.AXP-EMS1 faM3276). From merseas, car Wiest 305-616-2199. its •iftEliSHIP .1",;?e>; ' ME Ifrg.:11P ... -.!.. Awr stE E &SM.)! R 81. 1qt ' ' ',7-f/4tiEarn More! New ways to earn points. IMPORTANT NOTICE OF MEMBERSHIP REWARDS OPTIONS® PROGRAM CHANGES For each transfer of points into the Frequent Flyer program of a US airline, a fee of $0.0004 per two points, with a maximum fee of $50, will be charged to your Card account. We charge this fee to offset the federal excise tax we must pay on such transfers. The fee may be more or less than the actual amount of the excise tax we pay on any individual transfer. IMPORTANT NOTICE OF MEMBERSHIP REWARDS® PROGRAM CHANGES Effective March 15, 2004, 1) the fee to reinstate points forfeited for late payment will increase to $29 for each month of points reinstated, 2) for Cardmembers who cancel their Membership Rewards enrollment (or all Card Accounts enrolled in the program), but still have one Card account open, the time period to redeem accrued points will change from 6 months to 30 days, 3) for each Corporate Card linked to a Membership Rewards account with another enrolled charge Card, the additional annual fee will increase to $35. Please note important program changes. (MR Message 1290) Please note important program changes. (MR Message 6288) 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. EFTA01726707 iiimiliOCATE COPY lavnl Nutter AllIellcan Express• rr --...;11011CMOCR" 11 -. EINAR 0Page 6 of 8 P0TTEHVBAlt N LQANTAS Spirit of Australia rze FTD.CONI ComputerAssociatess EiNDS'END DIRECT MERCHANTS Redeem Points for Pottery Barn Gift Certificates Pottery Barn, Pottery Barn Kids and PBteen are the newest Membership Rewardse partners. For sophisticated furnishings and accessories for your entire home, from your living room to your child's playroom, Pottery Bam, Pottery Barn Kids and PBteen's products are designed for style, comfort and value. Australia- 8-Night Vacations from $1,299 If you dream of an exciting vacation, redeem Membership Rewardse points for flights to Australia or take advantage of some fabulous 8-night vacation starting from $1,299. You can choose from packages including Sydney and either the Great Barrier Reef, Melbourne, Adelaide/Kangaroo Island, the Outback or Brisbane. All packages include roundtrip air from Los Angeles, air within Australia and 8 nights of accommodations. For package information, call an Australian Travel Expert at 1-877-346-5225 or visit Australia.com. 10x Points at FTD.COM® This Valentine's Day! Find the perfect way to show how much you care this Valentine's Day with specially designed FTDe bouquets including roses starting at just $39.99, gift baskets, teddy bears and other fine gifts. Pius, earn 10x Membership Rewards& points when you shop at www.ftd.com/amexpromo. Oiler ertle 133I/C4.Cannotbecorriained °Bet odors or special granorkne. Hotwid co May", watts. Tot* WA* tO•ant RCN.. Oita you must be emoted In the Metors* Rewards pogrom Grne cd purchase ard chaise Yag IRDRIDDR•SR ta erwolled Anterban Eason. Card. Bong points MI becxened to your axountratin 1042 weeks. Bonus ID: 167S. Virus Protection and 5x Pts from Computer Associates Help protect your computer from those nasty viruses and hackers with eTrust" EZ Armor" Security Suite from Computer Associates, PLUS earn 5x Membership Rewardse points when you use your Card and order from www.my-etrust.com/americanexpressrewards. Includes a full range of antivirus,firewall and privacy features with automatic updates and adjustable protection. Otter vale] lot purcimaes trail wvivi.my-etrustcom kcal 12/LOSRSD VO4. To be close to earn bonus past sou must be enrcdcd in the hiaorreFip Reward: pagran el the tine el Rochese ad charge yaw purehato b an elgIde. ovelkd Anceioan Exxon:AD Card. Bone parts wil be cradled to you/ asounl Wallin 64 weeks Cr charges nom on your btag sEMernent Bonn ID: 3591. A Gift Certificate Lets You Choose Lands' End® is a global direct merchant of classically styled apparel for men or women for work or weekend, apparel and other products for children, plus soft luggage and products for the home. To request a Lands' End catalog, call 1-800- 356.4444 or visit our Web site at www.landsend.com. For more information, visit www.americanexpress. com/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 2020) Visa americanexpress. com/rewards or call 1.800-AXP-EARN (2974276) to redeem Membership Rewards points. (MR Message 9006) Shop at ftd.corniamexpromo and earn 10x Points. (Bonus ID 1675) Get virus protection plus earn 5x points from Computer Associates at wimv.my-etrust.comf amerIcanexpressrewards (Bonus ID 3591) Redeem Membership Rewards° points today for a Lands' End gift certificate. Visit www.emerIcanexpreas. com/rewards or call 1.600-AXP-EARN (297-3276) (MR Message 6069) 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. EFTA01726708 DUPLICATE COPY Acomi Nurtka )000(-)0000 Cfcairg Otte 01/15/04 Page 7 of 8 CustomExtrar Mortgage Rates are Still Low! If you're looleng to buy a home or to refinance your current mortgage, Mortgages from American Express' can save you hundreds of dollars a month in mortgage payments. Plus, its fast and easy to get a same-day loan decision. 'All residential mortgage loans and related services are offered and provided by and through PHH Mortgage Services. American Express does not solicit, offer, endorse, negotiate, or originate any mortgage loan products, and is neither a licensed mortgage broker nor a licensed mortgage tender. Financing provided by PHH Mortgage Services, 3000 Leadenhall Road, Mt. Laurel, NJ 08054. Arizona Residential Mortgage Licensee #BK 00010039, Licensed by the Department of Corporations under the California Residential Mortgage Lending Act, Georgia Residential Mortgage Licensee, Illinois Residential Mortgage Licensee, Massachusetts Licensed Lender #ML1653, New Hampshire First Mortgage Banker #5625-MB and Second Mortgage Home Lender #5626-MHL. Licensed by the N.J. Department of Banking and Insurance, Licensed Mortgage Banker-- NYS Banking Department, Rhode Island Licensed Lender, Minnesota. This is not an ofler to enter an interest rate lock-in agreement. Licensed First Mortgage Banker and Secondary Mortgage Lender by Pennsylvania Department of Bankng. PHH Mortgage Services is an Equal Housing Lender. Contact us today! Call 1.800-A2P-1008 or go to wave. americanexpress. corn/mortgages. Use offer code C62. (CE 104138) Sign Up for American Express® Alerts Get important information pertaining to your Account delivered to you --whenever and wherever you want. With American Express Alerts, you can choose to be notified when your payment is due, irregular account activity is detected, your payment is received and when you are approaching your line of credit/spending limit. Alerts can be sent to your e-mall address, mobile phone, pager or PDA. To sign up for Alerts, visit www.americanexpress. comfalerts. (CE 104153) Save 15% with 1-8OO•FLOWERS.COM® At 1-800-FLOWERS.COM, we've gathered together a sensational selection of thoughtful gifts to make every day a celebration! And because we love giving gifts, we offer a 15% savings to American Expresso Cardmembers on their purchases of $29.99* or more! 1-800-flowers tom_ Plain al sal IMO amino 'Terms and Conditions may apply. Visit wmtamerIcanexpress. com/offerzone to redeem this offer or call 1.800-FLOWERS. (CE 104154) Now Accepting the American Express® Card! Avdeals.com/Plasma.com - Your online source for home theater equipment For more information on plasma screens, LCD TVs and video projectors, call 1.877-722-8948 or visit www.avdeals.com. EPIC Pharmacies, Inc. - A network of independently owned pharmacies in the Mid-Atlantic region. For more information, call 1-800-965.3742 or visit our Web site at www.epicrx.com. Cartoon Cuts - An innovative children's hair salon featuring colorful decor, elephant shampoo station, games, movies, cartoons and toys. Visit us at www.cartoonouts.com. If there are other places where you would like to see the Card accepted, please call the Customer Service number that is located at the top of your statement or the number that is on the back of your Card. (CE 104086) 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. EFTA01726709 P( tF DUPLICATE COPY roextiorlikx Page 8 c4 8 AUTOMATIC BILL PAYMENT with Americ n Express FEE-FREE American Express® Travelers Cheques! As an American Express® Cardmember, you can purchase FEE-FREE* American Express Travelers Cheques and Cheques for Twos at participating American Express Travel Services locations. Behind every Travelers Cheques is someone who can help in a travel emergency 24/7--from placing lost or stolen Cheques, to assistance with replacing lost credit cards and passports." -Not all services available at all locations. Subject to all local laws and cash availability. "Proof of Travelers Cheques purchase may be required. Credit Card Replacement Assistance is for major bank-issued credit cards only. Fees for passporVcredit card replacement are the sole responsibility of the customer. For complete Terms, call 1.800.221.7282. Travelers Cheques Buy your Fee-Free American Express Travelers Cheques before ym leave! To locate your nearest American Express Travel Services location, call 1-888-AXP-0056. (CE 104130) Get Your Tax Refund Fast With OnlineTax! This tax season, use American Express OnlineTax to file your tax return and get your refund fast! American Express OnlineTax is an easy-to-use online tax preparation program that handles federal and state income tax returns—all for 834.95 through 3/31/041 Visit www.americanexpress.com/eflle, and let OnlineTax automatically select and complete the appropriate forms, and even check for errors and omissions. By e-filing, you can take advantage of a full range of refund and payment options, including direct deposit of refund amounts. File your taxes with a name you trust with American Express OnlineTax! Try American Express OnlineTax at www.americanexpress. corn/Mlle. Online Ming is quick and easy, and speeds up your refund. Just answer the questions and let the OnlineTax program prepare your return. Only $34.96 including e-filing! (CE 104129) Pay your Bills Automatically with the Card Enjoy the time-saving convenience and added financial control of paying virtually everything from your cable and telephone bills to your newspaper subscription with the Card. Automatic Bill Payment is the simple way to consolidate your payments and make sure that your bills are paid on time, so you can avoid paying unnecessary late fees. Plus, you'll have fewer checks to write and you can stilt continue to receive a paper statement of your bill from your service provider to keep for your records. Start benefiting from the convenience and control of Automatic Bill Payment today. Call your service providers today and tell them you want your bills to be paid automatically with the Card. For a complete list of participating providers, or to learti more, visit vemarnerIcanexpress. coWebpit • (CE 104136) Fill your Wallet with Savings at Costco! You are invited to take advantage of a Costco membership offer for American Expresso Cardmembers. Sign up for a Costco membership by April 30, 2004, and receive a $10 Costco Cash card to use toward your first purchase. The sooner you join, the more you can save. Cosa, Valid for new Costco members only. Simply bring this statement into your local Costco warehouse. Costco membership is $45 per year (plus tax where applicable) and includes a free spouse card. Costco Cash card offer expires April 30, 2004. Marketing Campaign code 19243. (CE 104135) Stay with Holiday Inn® and get a $15 Lowe's Gift Card Use your American Expresso Card to book and pay for a Holiday Irmo hotel Best Breaks" package between January 15 and April 30, 2004 and you'll enjoy more than a comfortable room and free hot breakfast. You'll also receive a voucher redeemable for a $15 Lowe's Gift Card. For use at any Lowe's store for payment of purchases. Not a crediVdetit card arid has no implied warranties. Redeemable for merchandise only unless prohibited by law and cannot be used to make payments on any charge account. Unused amount can be used for future purchases. Lost or stolen Gift Cards can only be replaced upon presentation of original sales receipt for any remaining balance. It will be void if altered or defaced. Visit www.hollday-Inn.com or call 1-800-HOLIDAY or your travel agent to reserve your room and get free breakfast with Holiday Inn's Best Breaks rate. (CE 104137) Offers are made only to Cardmembers who meet certain qualifying criteria. By responding you will be disclosing to the merchant that you meet these criteria. EFTA01726710 DUPLICATE COPY Optima® from American Express For eitoWsearermS 6,876.80 payrnevaftbAtt -200.00 New ActivlyS Adpernorta and macs •es a sty +34.65 Accost Winter Now Balance$ -6,711.45 Claim Dab 02/15/04 emberahlp POrnt3 AVallable 3i15/04,when chargaslare paid mfilitt allSbur aceountagrelli good standing:, Minimum Amount Duo $ 134.00 Credit Line Summary on 02/15/04 Total Credit Line $ 9,800.00 Available Credit UDR $ 3,089.00 Cash Advance Limit $ 8,100.00 Available Cash Limit $ 3,089.00 Page 1 of 8 Payment Due Date 03/11/04 Please refer to page 2 for Important information regarding your account Effective March 15th, 2004 significant changes to the Membership Rewards® program will be implemented. Please refer to your Membership Rewards point summary statement for further details. If you have questions regarding these changes, please contact Membership Rewards at americanexpress.com/rewards or 1-800-AXP-EARN (297-3276). Minimum Payment due by Payment Due Date. Your cash advance limit is $8,100.00. Available balance for new cash advance transactions is $3,089.00. Contact us at www.americanexpress.com or call Customer Service at 1.800-635.5955. Activity .'"frana"ret's Amounl , . , 162/04/04. :::..FAyMENTSRECEIVED•-iTHANKYOUl02104,;4% 30.0;9614 Amount $ 02/15/04 Periodic FINANCE CHARGE Total of New Activity 34.85 34.65 Please Sold oaths patean Glow. loath and Mum rah tar parried + Payment Coupon GERMANTONN MD 20876-5960 Mail Payment to: Payment Due Date: 03/11/04 Total New Balance $ 6,711.45 Minimum Amount Due $134.00 • Amount enclosed AMERICAN EXPRESS PO BOX 360002 FT LAUDERDALE FL 33336-0002 Continued on Page 3 Please enter account number on all checks and correspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Due Date. Note any address ancgor telephone number change on reverse side. Unless you check here, this change will apply to all of your Card Accounts except any Corporate Card Accounts you have. 000671145000013400 Marl EFTA01726711 DUPLICATE COPY Account Keripc, XXXX-X>0Oa Page 2 of 8 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 American Express Centurion Bank), in the enclosed envelope with the remittance stub attached and account number listed on the cNck. Please do not 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 Wo reserve the right to process chocks 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 can not collect the funds electroncally 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 Express electronic payment service, you wil be authorizing American Express to initiate an electronic detit to the financial account you specify in the amount you request. To use Pay By Computer, please %risk us at www.americanexpress.com. Lost or Stolen Card: if the Card is lost or stolen, in the U.S. Immediately telephone us at the number noted to the right. Outside the U.S. contact the nearest American Express Travel Service Office or call any local American Express office. Finance Charges: Average Daily Balance Method for Calculation of Finance Charges (FC):We use the Average Daily Balance method to calculate FC on your Account. Under this method, we figure the FC on your Account by applying the daily periodic rate to the Average Daily Balance (as deserted below) for each feature (such as Purchase, -Cash Advance and Balance Transfer features) 01 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 (inducing unpaid FC from previous billing periods (2) add any new transactions, debits or fees, (3) subtract any payments or credits, and (4) make any atop-opiate a ustments. For each day after the first day of the billing period, wo also odd an amount of interest equ to the previous day's dell!), balance multiplied by the daily 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. II this balance is negative, it is considered to be zero. Then, we add up al the daily balances for the feature for the billing period and dvide 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 it 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 tilling period and the daily periodic rate for hat feature, the result will be the FC assessed on that feature, except for variations caused %. rounding. The total FC for the idling period is calculated by adding the FC assessed on all features of the Account. TNs method of calculating the Average Daily Balance and FC results in daily compounding of FC. The minimum FC for any billing period in which FC are imposed is $0.50. Billing Rights Summary: in Case of Errors or Questions About Your BIII: If you think your bill is incorrect, or If you needmore information about a transaction on your till,write us on a separate sheet of paper at the address noted to the right. We must hear fromyou no later than 60days after we sent you the FIRST till on which the error or problem appeared. You can telephone us at the number indicated on the front of this statement, but doing so will not preserve you r rights. In your letter, give us the following Information: 1. Your name and account number; 2. The dollar amount of the suspected error 3. Describe why you believe there is an en-or. If you need more information, describe the hem you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to Occur. Special Rule For Credit Card Purchases: If you have a problem with the Quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your maiing address. (If we own or operate the merchant, or it we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of the purchase.) In Case of ErrorS or Questions About Your Electronic Transfers: Please contact us by clicking on the Custemer Service Link online at vnyw.americanexpress.00m, or you can call us at 1-8004PAY-AXP for Pay By Phone & Pay By Computer issues, or 1-800-CASH-NOW for Express Cash & 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 onproblemcontac oon as possible. We must hear from you no later than 60 namer w accountyou the FIRST statement on which the p or error appeared. When contacting us: 1. Tell us your & number; 2. Provide the dollar amount of the suspected error; 3. Describe the error or the transfer you are unsure of, & explain as clearly as you can why you believe there is an error or why you need more information. We will investigate your complaint & 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. Credit Balance: If a credit balance (designated 'CR') is shown on thS statement it represents money owed to you. You may make charges against the credt balance or request a refund. If you do not make sufficient charges against the credit balance or request a refund, we wit, within 30 days after expiration of tho six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit balance in your account tithe amount is $1.00. or more. Creditor: American Express. Centurion Bank. New York residents may contact the New York Barking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-800-518-8865. Change el Address if cermet on keel do no: use Name Company Name r Steel Address City. Slats Zie cove Area Cede/me Hoene Phew Area Code and Work Phone Email I L L_1_J _J To Pay By Phone 1.800.472.9297 Customer Service 1-800-635-5955 24 hoursi7 days International Collect 1436.393.1111 Hearing Impaired (gam-5pm, EST) TTY: 1.800-221.9950 FAX: 1-800-695-9090 In NY: 1 -800-552-1897 • Correspondence Customer Service 777 American Expressway Ft Lauderdale, FL 33337-0001 Funds Access Services P.O. Box 53809 Phoenix, AZ 85072-3809 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. EFTA01726712 DUPLICATE COPY NIS Mnto Mentor )030c>C>0 •CXX Cloaig Dale 02/15/04 Page3o1 8 Finance Charges Oiling days this period: 31 Average Daily Balance $ Daily Periodic Rate Actual ANNUAL Nominal ANNUAL PERCENTAGE PERCENTAGE RATE RATE Periods FINANCE CHARGE $ Purchases 255.14 0.0246% 8.99% 8.99% 1.95 Cash Advances 0.00 0.0520% 0.00% 18.99% 0.00 ChecWBalance Transfer 6,511.11 0.0162% 5.90% 5.90% 32.70 34.65 Certain of the periodc 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. EFTA01726713 DUPLICATE COPY )oboc,o'bcoa Pape 4 of 8 EFTA01726714 Totals For questions about ycur Membership Rewards account, contact 1-800-AXP-EARN (297-3276) wvnv.americanexpress.com/rewards American Express Membership Rewards PO Box 297813 Ft. Lauderdale, FL 33329-9785 Options` Monthly Statement and Program News Statement Period December 1, 2003 - December 31, 2003 Account activity atter this period does not appear on this statement We:1%rihq Rcv,vct Accorrpt &T &r Available Points 1,473 when charges are paid in ful and all your accounts are in Account Summary Opening points balance New points earned Points transferred or redeemed Reinstated points and adjustments New points balance 1,323 +150 0 0 1,473 New Points Earned 12/01/03 - 12/31/03 Points Activity On Bonus Points Total Points Activity Eligible Charges Awarded Per Card 150 0 150 150 0 150 bleorbashp Rewards Corals mint earned may bo tea:clot/0 or co:keened as lag as al emceed Card accounts ace &mooed etwolop. Points vanslerrod or welcomed eannw be retorted brit in'e dw crowarn Forfeited points can be reinstated fore tee by piling the ixorriber provided below. Er 0ld* Card cSa-des se ginned n Ow Iternbersher Rtrarcb Oplians demon Tema and Cot in yaw C Perm& COW* Gybe you hemquest/re. pkrase eke wwwwmericaneelortswcontinwinbersbiptewardsoptions or ear 1-BOO. .EARN (2974276). From Meese s, call water 305.616-2799. Earn More! New ways to earn points. IMPORTANT NOTICE OF MEMBERSHIP REWARDS® PROGRAM CHANGES Effective March 15, 2004, 1) the fee to reinstate points forfeited for late payment will increase to 829 for each month of points reinstated, 2) for Cardmembers who cancel their Membership Rewards enrollment (or all Card Accounts enrolled in the program), but still have one Card account open, the time period to redeem accrued points will change from 6 months to 30 days, 3) for each Corporate Card linked to a Membership Rewards account with another enrolled charge Card, the additional annual fee will increase to $35. IMPORTANT NOTICE OF MEMBERSHIP REWARDS OPTIONS® PROGRAM CHANGES Effective March 15, 2004, for each transfer of points into the Frequent Flyer program of a US airline, a fee of $0.0004 per two points, with a maximum fee of $50, will be charged to your Card account. We charge this fee to offset the federal excise tax we must pay on such transfers. The fee may be more or less than the actual amount of the excise tax we pay on any individual transfer. Page 5 of 8 American Express PC7fre r b M EtafiSH9 , 1P. E 11 .5 ael • • I Please note important program changes. (MR Message 6288) Please note important program changes. (MR Message 1290) Continued on covens 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. EFTA01726715 rE--(ailEurope Gift Sense TOSHIBA ATE COPY New Rewards from Rail Europe New in 2004, Rail Europe will offer two new certificates in the Membership Rewards® program--explore France by train and get $100 off First Class France Saverpass, or enjoy Switzerland's scenic beauty and get $100 off First Class Swiss Saver Flexipass. You can also redeem points for other rail and hotel packages in London and Paris. American Exprent pinini• • I Paa40.$ based on two people travel rg agate; steacclearaleakg. BLOCKBUSTER® Movie Coupons! Redeem Membership Rewards® points for a BLOCKBUSTER 10-pack of movie rentals and receive hours of entertainment value! Choose from New Releases and BLOCKBUSTER Favorites® and treat your friends and family to a night at the movies! Mereserthe turn ad cerise taeltaions apply lot write t BLOCKIXISTER. See Wore cad for details. Mare cane we reckeinette a pet:were EleCKBUSTIER Wore Ioc& ELOGICOUSTER twee, *Wan and meted masks we tademvw el gicckbuser Irv. 2036 liketbetet trc Ae the seemed 1Ox Points Plus the Perfect Gift at GiftSense.com Gift Sense"' online shopping provides smart ideas and answers for every gift giving need--in one convenient place. Plus, you can earn 10x Membership Rewards® points! As a trusted partner of FTD.COM®, GiftSense.com offers secure transactions, guaranteed satisfaction, dependable delivery and quality products. Egan. MVOS. Net vald in oral sea wet otter dew Pratte price excludes diegirg. Too= taws Potts, you mg be encored n I,e Montaseip Newels prcgan al at,. tine a purchwe and dens your pitchout to an (Agee, carded American Egos* Cad. Brow pits we be ante io yctr secure wren 1002 weeks. Bonus ID: 5802. Earn Double Points on Toshiba Computer Products Shop online at www.shoptoshiba.com, your direct sourti for Toshiba computer products, and uou can earn double points every time you use your eligible, enrolled American Express® Card from 1/15/04 - 3/15/04. Choose from a wide selection of portable computers, accessories, wireless technology products, Pocket PCs, projectors, mobile server computing solutions and more. Madmen 3,000 torus pods per tannin and 10,003 ewes peals par Ulla:wear Owing peenelen pared. To nen tone pares, you reel be embed Le tie Liernbenep Ramada® peptem al the env of eed charge yew purchwe wall an eigUe, emceed Ameibeei Diernse0 Gant Dam poise rril ffreed to yaw =cowl nein 64 weeks. Donis ID: 1601. Smith & Wollensky Restaurant Group Certificates Redeem points for a $100 or $250 Certificate, valid at any Smith & Wollensky location throughout the country in New York, Miami Beach, Chicago, New Orleans, Las Vegas, Washington D.C., Philadelphia, Columbus, Dallas and Houston. In addition, visit Smith & Wollensky's six New York City concepts: Maloney & Porcelli, Park Avenue Cafe, ONEcps, The Manhattan Ocean Club, The Post House and Cite. For more information on restaurant locations, visit www.smlthandwollensky.com or call 1-877-783-2555. Page 6 of 8 To review these rewards and redeem points, visit www.americanexpress. tom/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 9172) For more information go to www. amerIcanoxpress.com/ rewards (MR Message 5192) Earn 10x Points at vnvw.gIttsense.com famexmr1 - EVERYDAY, ALL YEAR (Bonus ID 5842) Earn double points today by shopping on www.shoptoshiba.com (Bonus ID 1609) To redeem Membership rewards° points visit www.amedcanexpress. com/rewards or call 1.800-AXP-EARN (297-3276). (MR Message 8015) 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. EFTA01726716 DUPLICATE COPY Arcast Mater XXXX-XXXX)M Cusf maxi rag- 4Wr`CICON title 02/15/04 Page 7 of 8 7-Night Hawaiian Vacation Packages Starting at $964/Person Book a 7-night Hawaiian vacation to Oahu with American Express Travel and receive a rental car. Rates start at $964 per person at the Hilton Hawaiian Village® Beach Resort & Spa on Oahu. Price shown is per person, land only, based on 7-night double occupancy at Hilton Hawaiian Village Beach Resort & Spa In a Garden View room. Airfare Is additional and not included in the rate shown. Subject to availability at time of booking and may be changed or discontinued without notice. Cannot combine with other promotional offers. Hotel blackout dates, taxes, minimum night stays, seasonal surcharges or other restrictions may also apply. Additional packages and hotels available at higher prices. CLASSIC Imiej TI*1 rat CUSTOM 1 I VAC/.11W. Valid for booking and travel dates through 4/30/04. Rental Car valid for economy- size car with Hertz for up to 7 days--clients choosing upgraded vehicle or additional days will receive a $199 car credit toward booking. Offer requires minimum 7-night stay at participating hotels and purchase of Classic Hawaii's Change and Cancellation Waiver ($59 per adult), which is ackfitional. Call American Express Travel at 1-888-AXP-0071 to book now! American Express Travel Related Services Company, Inc. acts solely as a sales agent for travel suppliers and is not liable for the ads or actions of such suppliers. CST,* 1022318-10, TA-149 Registered Ohio Travel Agency, Washington UBla 600-469.694, MUt 1192. Call American Express Travel at 1.888-AXP-0071 to book nowl (CE 104162) Enjoy Retirement on Your Terms • Get Your FREE Guide It's never too early to start planning for retirement Today, more than ever, it's important to identify what you can do now to ensure the retirement you want in the future. That's why we're offering Cardmembers our 20-page Retirement Guide, free with absolutely no obligation. The guide contains helpful tips and strategies on topics like pensions, retirement plan rollovers, and taxes, as well as tools to help you'estimate how much you'll need in retirement and how long you can expect it to last. American Express Financial Advisors Inc. Member NASA American Express* Company is separate from American Express Financial Advisors and is not a broker-dealer. To request your free, no-obligation retirement planning guide, call 1.888.800.8696 today. (CE 104171) Splendors of Mexico. The Caribbean. Up to $150 Credit* Experience the stunning beaches of Acapulco. Dive the fascinating coral reefs of Cozumel. Go fishing with sculptures of the sea in Los Cabos. Take advantage of 10 fabulous Caribbean destinations. And, if you qualify, receive your Annual Travel Benefit--up to $150 credit! 'A Qualifying Vacation is a purchase offered by a cruise or vacation package operator through a participating American Express Travel Services U.S. location valued at $2,000 or more per booking for $100 credit or, only for Gold Card, Platinum Care & Centurion® Charge Card members, valued at $2,500 or more for $150 credit. Does not include independent air, hotel, or car rental reservations. Available once per Card account per year. May only redeem one per booking. Other material Terms, Conditions and Restrictions apply. Call a participating American Express Travel location for details at 1.866-AXP-2808. Ei ar Travel American Express Travel Related Services Company, Inc. acts solely as a sales agent for travel suppliers and is net Fable for the acts or inactions of such suppliers. CST,* 1022318-10, TA-149 Registered Ohio Travel Agency, Washington UBl# 600-469.694. ML#1192 POI0: C582:0005 To purchase your vacation to Mexico or the Caribbean now, call American Evess83 Travel • - or go to W -24 ameticanexpress.com/ annualtravelbenefit. (CE 104169) 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. EFTA01726717 DUPLICATE COPY &coact timber >00C(-)CCCC Page 8 of 8 Get MONEY Magazine for Only $9.99! For practical advice and information on how to invest, save and spend, try MONEY magazine for only $9.99 for 1 year (14 issues)--our LOWEST PRICE AVAILABLE ANYWHERE! You'll save over 82% off the cover price. Your subscription will be entered into the Preferred Subscriber's Automatic Renewal Program*. 'Preferred Subscriber's Automatic Renewal Program••Your subscription will be automatically renewed annually without intemmtion unless you tem us to stop. At the end of your initial term and before the start of each new term, MONEY will charge your American Express• Card in time to lock in the savings then in effect (current savings are 82% off the cover price). You can cancel at any time and get a full refund on all unmated Issues. money To subscribe, please call 1.888-276.2508. when placing your order you must mention American Express offer code MOBGJU7 and pay with your Card to qualify for this special offer. (CE 104222) Get Cash in the U.S. and Internationally 24/7/365 Need some quick Euros for an emergency stop over? Have a Yen for that pottery set? As an American Expresso Cardmember, you are automatically enrolled in Express Cash--a service that allows you to get cash in the local currency at over 600,000 locations both in the U.S. and internationally. There's no monthly charge, you pay only for the transactions you make. Obtaining your PIN is easy and costs nothing--simply call 1-800-CASH-NOW and ask for your Express Cash PIN. Cat 1.800-CASH-NOW (1-800427-4669) to obtain your PIN today. Please visit www.americanexpress. comfoxpresscash for more information. (CE 104242) Get Your Tax Refund Fast With OnlineTax! This tax season, use American Express OnlineTax to file your tax return and get your refund fastl American Express OnlineTax Is an easy-to-use online tax preparation program that handles federal and state income tax returns--all for $34.95, including FREE e-filing, through March 31, 20041 Visit www.americanexpress.cernietile, answer the simple questions, and let OnlineTax automatically select and complete the appropriate forms, and even check for errors and omissions. By e-filing, you