EFTA01703216.pdf

QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: 063113222 DDA#: 0110003162 CHECK* : 0000 CUSTOME22 BANK: COLONIAL BANK, NA TRACE* : 200607108302276 AMOUNT: $ 440.19 PROC DATE: 07/10/2006 ACCOUNT NUMBERS POSTED POSTED AMOUNT 371381825932002 440.19 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 07/10/2006 PRESENT SEQ#: 0000 ACH: N BOOK#: 000062 AUX CHECK#: 8545 CAPTURE CENTER : NJREM PAYMENT TYPE : OTHER ORIGINAL ABA# : 063113222 ORIGINAL DDA#: 0110003162 RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA V PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01703216 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: 063113222 DDA#: 0110003162 CHECK# : 0000 CUSTOMER BANK: COLONIAL BANK, NA TRACE# : 200507168402824 AMOUNT: $ 395.00 PROC DATE: 07/16/2005 ACCOUNT NUMBERS POSTED POSTED AMOUNT 371381825932002 395.00 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 07/16/2005 PRESENT SEQ#: 0000 ACH: N BOOK#: 000225 AUX CHECK#: 7633 CAPTURE CENTER : NJREM PAYMENT TYPE : COMPANY CHECK ORIGINAL ABA# : 063113222 ORIGINAL DDA#: 0110003162 RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01703217 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: 067001518 DDA#: 0110003162 CHECK# : 6817 CUSTOMER BANK: COLONIAL BANK, NA TRACE# : 200206191200040 AMOUNT: $ 1,577.20 PROC DATE: 10/08/2004 ACCOUNT NUMBERS POSTED POSTED AMOUNT 371381825932002 1,577.20 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 10/08/2004 PRESENT SEQ#: 0000 ACH: N BOOK#: 0282 AUX CHECK#: CAPTURE CENTER : NJREM PAYMENT TYPE : PAPER ORIGINAL ABA# : 067001518 ORIGINAL DDA#: 0110003162 RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01703218 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: 067001518 DDA#: 0110003162 CHECK# : 6737 CUSTOMER BANK: COLONIAL BANK, NA TRACE* : 200206191200036 AMOUNT: $ 1,060.00 PROC DATE: 09/11/2004 ACCOUNT NUMBERS POSTED POSTED AMOUNT 371381825932002 1,060.00 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 09/11/2004 PRESENT SEQ#: 0000 ACH: N BOOK#: 0214 AUX CHECK#: CAPTURE CENTER : NJREM PAYMENT TYPE : PAPER ORIGINAL ABA# : 067001518 ORIGINAL DDA#: 0110003162 RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME . DEROG . REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01703219 QEBRD REPOSITORY DETAILED RESULTS S-GCSA-10 06/20/07 ABA#: 067001518 DDA#: 0110003162 CHECK# : 6552 CUSTOMER BANK: COLONIAL BANK, NA TRACE# : 200206191200044 AMOUNT: $ 395.00 PROC DATE: 07/17/2004 ACCOUNT NUMBERS POSTED POSTED AMOUNT 371381825932002 395.00 PRESENTMENT STATUS: PAID PRESENTMENT DATE: 07/17/2004 PRESENT SEQ#: 0000 ACH: N BOOK#: 0259 AUX CHECK*: CAPTURE CENTER : NJREM PAYMENT TYPE : PAPER ORIGINAL ABA# : 067001518 ORIGINAL DDA#: 0110003162 RETURN REASON : RETURN SEQ# : 0000 DEPOSITORY BANK: RETURN DATE : MAKER NAME DEROG REQUEST QUALITY CONTROL DATA PFK: 4-QEBRS 5-QEBRR 7-QEBRM 10-SCROLL UP 11-SCROLL DOWN EFTA01703220  DUPLICATE COPY :6009,814 frZaylemberafripltewar•ifs Gold Card '<4:Pointe. Avallable:.; Statement of Account 1/05, when charges due are:pal;., :11119 are good stahalt Prepare! For AccotriNurber OnngDx4 JEFFREY E EPSTEIN 3718-463688-42008 03/27/05 Page 1 of 10 New Please Pay By ProdausBoWaS Pamtmotrodia Now Charges $ Balance $ 04/11/05 31,235.60 32,310 60 50,715.99 49,64 0:99 Please refer to page 2 for important information regarding your account See Page 7 For A Notice Of Changes To Your Agreement See Page 9 For An Important Privacy Notice Your payment is due in full. Please pay by 04/11/05. Pay your bill online anytime, anywhere at www.americanexpress.com/paybill. Contact us at www.americanexpress.com or call Customer Service at 1-800-327-2177. Acuvityhle4" -"Ida Amount $ New Activity for JEFFREY E EPSTEIN Card )CCO(.)C0C003-42036 1,3319!,C.5102.6r AgtiT P,Me.411t3tAa tiatageta. Atc31)235 ....101 02/26/05 NEWSSTAND.COM AUSTIN TX 13.00 NEWS DEALERSMEWSSTANDS 02/28/05 EARTHLINKNET 800.719-4660 GA 234.40 174106689 30309 INTERNET SVC 03/02/05 AOL SERVICE 800-827-6364 VA 23.90 ONUNE TWVAOL SERVICE 0205 03/04/05 YAHOO FINANCE 408-349-5151 CA 9.95 SERVICE 03/05/05 EFAX PLUS SERVICE 323-817-3205 CA 12.95 INTERNET SVC 03106/05 POTTERY BARN 000073(800) 922-9934 2,415.71 CATALOG/RETAIL MERCHANT 03/13/05 EFAX PLUS SERVICE 323-817-3205 CA 12.95 INTERNET SVC + Pease WS on to parbraicn blow, detach and ter= valti yow papaya + Continued on Page 3 Payment Coupon mevamaiew Please Pay By: Please enter account 3718-463688-42008 04/11/05 number on all checks and correspondence. To avoid additional Finance Charges on Purchases, pay New Balance before Payment Total Amount Due Due JEFFREY E EPSTEIN Date. 457 MADISON AVE 4 FL $49,640.99 NEW YORK NY 10022-6843 Note any address and/or telephone number change on reverse side. Unless IIIIIIII 111111It .Iulnlul 'IllIIItlutl II II I you check here, this change will apply to all of your Card Accounts except any Corporate Card Mail Payment to: Accounts you may have. AMERICAN EXPRESS P.O. BOX 2855 NEW YORK NY 10116-2855 11111111 0000371846368842008 004964099005071599 27/1/1 EFTA01703221  DUPLICATE COPY Prepared Fer Amara Mt Page 2 of 10 JEFFREY E EPSTEIN X)00(-)0000(8.42008 Payments: Payments received after 12:00 noon may not be credited until the next day. Payments must be sent to the payment address shown on your statement and must include the remittance coupon from your statement. Payments must be made with a single check or draft drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars and clearable through the US banking system, or through an electronic payment method payatie in US dollars and clearable through the US banking system. Your Account number must be included on all payments. If To Pay By Phone payment does not conform to these requirements, crediting may be delayed and additional Charges may be imposed. If we 1-800-472-9297 accept payment made in a foreign currency, we will choose a conversion rate that is acceptable to us to convert your payment into US dollars, unless a particular rate is required by law. Please do not send post-dated checks. They will be Customer Service deposited upon receipt. Our acceptance of any payment marked with a restrictive legend will not operate as an accord and satisfaction without our express prior written approval. Authorization for Electronic Debit: We will process checks 1.800327-2177 electronically, at first presentment and any re-presentments, by transmitting the amount of the check, routing number, 24 hoursfl days account number and check serial number to your financial institution, unless the check is not processed° electronically or a less costly process is available. By submitting a check for payment, you authorize us to initiate an electronic debit from your Lost or Stden Card bank or asset account. When we process your check electronically, your payment may be debited to your bank or asset 1-800-992-3404 account as soon as the same day we receive your check, and you will not receive that cancelled check with your bank or asset account statement If we cannot collect the funds electronically we may issue a draft against your bank or asset Express Cash account for the amount of the check. Authorization for Electronic Payments: By using Pay By Computer, Pay By Phone 1-800-CASH-NOW or any other electronic payment service of ours, you will 1x3authorizing us to initiate an electronic debit to the financial account you specify in the amount you request. Payments received after 5:00 p.m. MST may not be credited until the next day. Allocation of Payments and Credits: Subject to applicable law we will apply and allocate payments between your International Collect Card Account and your Sign & Travel and/or Extended Payment Option Account (if that account has been activat 1-336-393-1111 ('Extended Payment Account)(referred to as 'Account" in the Sign & TTravel and/or Extended Payment Option Agreement and, within each of these accounts, to Charges in any order and manner determined by us in our sole discretion. In m Hearing Impaired cases, if you have a credit balance on your Card Account we will not apply or allocate any part of that credit balance to (9am-5pm EST) any Extended Payment Account unless you contact us at a time the crebalance exists and instruct us in writing how you TTY: 1.800.221.9950 want us to apply that credit balance. Charge Card and Statement Information: The Annual fee is $75.00 for the Basic FAX: 1.800.695.9090 Card and $35.00 for each Additional Card. An additional $5 is charged for billing addresses outside the US. Payment Is due In NY: 1.800-552-1897 on receipt of your statement. You may discontinue your membership by contacting Customer Service. Transactions Made in Foreign Currencies: If you incur a Charge in a foreign currency, it will be converted into US dollars on the date it is processed by us or our agents. Unless a partioular rate is required by applicable law we will choose a conversion rate thatis 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 govemment agency, or (b) the highest interbank conversion rate identified by us from customary banking sources, on the conversion date or the prior business day, In each Instance Correspondence 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. Billing Rights Summary: In Case of Errors or Questions About Your Bill: If you think your bill is incorrect or I you need more information Customer Service about a transaction on your bill, write us on a separate sheet of paper at the Customer Service address noted to the right. P.O. Box 297804 We must hear from you no later than 60days after we sent you the first bill on which the error or problem appeared. You can Ft. Lauderdale, FL telephone us at the number indicated on the front of this statement, but doing so will not preserve your rights. In your letter, 33329-7804 give us the following information: 1. Your name and account number; Z. The dollar amount of the suspected error; 3. Describe why you believe there is an error. If you need more information, describe the item you are unsure about. You do Express Cash not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill Operations 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 payyour bill automatically from your checking or savings account, you P.O. Box 297815 can stop the payment on any amount you think is wrong. To stopthe payment your ktter must reach us three business days Ft. Lauderdale, FL before the automatic payment is scheduled to occur. Special Rule for Credit Card Purchases: If you have a problem 33329-7815 with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the Payments problem with the merchant, you.may not have to pay the remaining amount due on the goods or services. You have this P.O. BOX 2855 protection only when the purchase price was more than $50 and the purchase was made in your hernia-state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property NEW YORK NY or services, ell-purchases are covered regardless-of. amount or location of the purchase.).Credlt .Balance: If a credit 101.184855 balance (designated cs)is shown on this statement, it represents money owed to you. If you do not make sufficient charges against the credit balance or request a refund, we will, within 30 days alter expration of the six-month period following the date of the first statement indicating the credit balance, issue a check to you for the credit balance if the amount is $1.00 or more. Important Notice to North Dakota Residents: If the Account is past due for two or more billing periods, a late payment fee of 1.75%of all past due amounts will be added. Change of Address if correct on front do not use Name Company Names Street Adds:: p T-I City, Stale Lip Code Providing your email Area Cede and address to American Hume Phone Express will enable you to receive special offers, mimmi Area Code and Work Phone suited to your needs. Enid EFTA01703222  DUPLICATE COPY Prepred Fa Axce.nt *ether Clcang Dab Page 3 of 10 JEFFREY E EPSTEIN X)00(-)00(XX8-42008 03/27/05 meant New Activity Continued 03/14/05 VERIZON ONUNE BUSIN888-649-9500 TX 79.06 VERIZON ONUNE INCUGSP 03/14/05 VERIZON ONUNE BUSIN888-649-9500 TX 97.06 VERIZON ONUNE INCUGSP 03/14,05 AOL FOR BROADBAND 888-889-7201 VA 24.95 INTERNET SVC TWRAOLFORBROADBAND 030 03/14105 2CO.COMTCHECKOUT.0O2CHECKOUT.COM OH 395 GENMERCHDSE 03/14/05 VERIZON INTERNET SOL800-567-6789 TX 4045 COMPUTER ONLINE SRVC 03/23/05 WOLLITZ ONLINE ENTER8433455569 SC 41.95 MISC 03/24/05 EZ PASS PREPAID TOLU303-333-8655 NY 85.00 PREPAID TOLL 03/26/05 EARTHUNK.NET 800-719.4660 GA 234.40 177164168 30309 INTERNET SVC Total of New Activity for JEFFREY E EPSTEIN New Charges 3,329.68 Parlente/Crecils -31,235.60 New Activity for Cad 400000X03.45)I9 03/05/05 THE TOY CHEST RIDGEFIELD CT 53.94 GENERAL MDSE 03/07/05 SALON A DUEX INC. NEW YORK NY 17.38 HAIR CARE/SUPPUES BEAUTY AND BARBER SHOPS 03/14/05 SALON A DUEX INC. NEW YORK NY 57.26 HAIR CARE/SUPPLIES BEAUTY AND BARBER SHOPS 03/15/05 BARNES & NOBLE NEW YORK NY 91.96 BOOKS 03/17/05 PRADA NEW YORK NY 210.73 GENERAL MDSE 03/18/05 SEPHORA 8374 5TH AVENEW YORK NY 39.11 DUTY FREE STORE Total of New Activity for New Charges 470.38 Payments/CrecRs 0.00 New Activity for G MAXWELL Cad =o4)000M 0330 osiow9.5 B.E&cil r .-". *owe' 0*IeviSkiciz . 602pto. otacabici-AN3 4a,k- 02/25/05 PARK LIMOUSINE SERVIPALM BEACH FL 240.00 CHARTER SERVICES 02/27/05 AMTRAK VOICE RESPONSDC 38.00 Routing Details Not Available Ticket Number: 55467810115969 Date of Departure: 02/27 Passenger Name: VRU/3363A Document Type: VENDOR SALE 02/28/05 BARTS WATER SKI CTR 800-3485016 IN 199.98 WATERSKIACCE Continued on rove= EFTA01703223  DUPLICATE COPY Prepared For 'Count Numbei Page 4 of 10 JEFFREY E EPSTEIN XXXX-)000003-42008 Amos New Activity Continued 02/28/05 MMAWAREHOUSE.COM GLENDALE HEIG IL 81.86 MIXED MARTIAL ARTS APPA 03/01/05 SHOPPERS TRAVEL WEST WINDSOR NJ 339.20 TOURS/TICKETS 03/01/05 ONSTAR SUBSCRIPT. 888-4ONSTAR MI 18.05 ON-LINE SVCS 03/02/05 OFFICE DEPOT, INC. WESTHAMPTON NJ 31.83 OFFICE PROD. & SUPPLIES DEUVERY FEE TUBE,STORAGE,DOCUMENT 03/02/05 SCHWEITZER UNEN INC2122498361 NY 1,026.00 LINEN SUPPLY 03/03/05 CRATEANDBARREL WEB NAPERVILLE IL 1,085.99 N9002005030300100031862 31862227 0036-249285400 03/04,4$ JETBLUE SALT LAKE UT 192.70 From: To: Cartier: Class: J F KENNEDY A/P NY WEST PALM BEACH FL B6 HI( Ticket Number: 87506600101000 Date of Departure: 03/06 Passenger Namem ic Document Type: ET 03/04/05 CRATEANDBARREL WEB NAPERVILLE IL 221.35 N9002005030400100031864 31864578 0036-249285400 03/06/05 POTTERY BARN 000073(800) 922-9934 3,314.65 CATALOG/RETAIL MERCHANT 03/06/05 POTTERY BARN 000073(800)922-9934 2,368.46 CATALOG/RETAIL MERCHANT 03/07/06 RESTORATION HARDWARE800-762-1005 TN 162.94 CATALOG MERCHANT 03/07/05 AUPH 650-244-6464 CA 317.80 JAWBONE HEADSET 03/08/05 ORBITZ LW MANKATO MN 407.60 AMERICAN AIRUNES From: To: Carrier: Class: J F KENNEDY A/P NY SAN JUAN PUERTO RI PA MO ST THOMAS VIRGIN I AA M2 Ticket Number: 00111 1 7 Date of Departuie: 03/09 Passenger Name: Document Type: CKET 03/08/05 SONY STYLE NEW JERSEY NJ 139.56 GOODS/SERVICES 03/08/05 ORBITZ LLC CHICAGO IL 6.99 ORBITZ • SERVICE FEES 03/08/05 SHOPPERS TRAVEL WEST WINDSOR NJ 768.72 TOURS/TICKETS 03/08/05 CRATEANDBARREL WEB NAPERVILLE IL 6,461.99 N9002005030800100031883 31883186 0036-249285400 03/08/05 CRATEANDBARREL WEB NAPERVILLE IL 6,073.25 N9002005030800100031883 31883187 0036-249285400 03/09/05 CRATEANDBARREL 1924 NAPERVILLE IL 6,881.80 N9242005030907700001431 01431840 0036-249285400 03/0W05 ATHLETIC STYLE NEW YORK NY 2,546.71 APPAREUACCESSORIES Continued on next page EFTA01703224  DUPLICATE COPY Pr<ymed Fu Ati,o4n114wthff CIXarg Dago Page 5 of 10 JEFFREY E EPSTEIN XXXX-XXXXXB-42008 03127/05 New Activity Continued amount$ 03/10/05 TOPDEO CORPORATION CRANBURY NJ 607.30 01 FURNITURE 03/10/05 CRATEANDBARREL 1924 NAPERVILLE IL 2,828.65 Y9242005031007700301429 01429670 0036-249295400 03/10/05 CRATEANDBARREL 1924 NAPERVILLE IL 9.58 Y9242005031007700001429 01429670 0036-249285400 03/13/05 CRATEANDBARREL 1924 NAPERVILLE IL 87.95 N9242005031307700001452 014528900036-249285400 03/14/05 CRATEANDBARREL 1924 NAPERVILLE IL 5,256.59 Y9242005031407700001452 01452880 0036.249285400 03/15/05 DORADO TRANSPORT DORADO PR 100.00 GOODS/SERVICES 03/2WD5 IMPROV CITY PLACE WEST PALM BEACH FL 169.36 GOODS/SERVICES 03/20/D5 AMAZON.COM SUPERSTORAMAZON.COM WA 29.94 MERCHANDISE AMZ'SUPERSTORE 03/20/05 NEW NATIVE INC APTOS CA 67.84 BABY CARRIERS 03/20/05 NEW NATIVE INC APTOS CA 67.84 BABY CARRIERS 03/21/05 CABELAS.COM SIDNEY NE 337.86 OUTDOOR SPORTING 69160 03/21/05 TOPDEO CORPORATION CRANBURY NJ 417.20 01 FURNITURE 03/21/05 NEW NATIVE INC APTOS CA 64.00 BABY CARRIERS 03/21/05 RALLAK CLEANERS 8883432111 NJ 41.80 CLEANING SERVICE/SUPPLY 03/21/05 EMJOI 8889936564 NY 43.40 DIRECT MARKETING 03121/05 JET DOCK SYSTEMS INCCLEVELAND OH 278.25 MARINE/SUPPLY/ACC 03/21/05 OFOTO, INC. EMERYVILLE CA 22.02 GOODS/SERVICES 03/22/05 ORBITZ LLC MANKATO MN 507.70 AMERICAN AIRUNES From: To: Carrier: Class: LAGUARDIA INTL A/P WEST PALM BEACH FL M Y2 Ticket Number: 0011 4 7 Date of Departure: 03/23 Passenger Name: Document Type: 03/22/05 CABELAS.COM SIDNEY NE 448.00 OUTDOOR SPORTING 69160 03/22/05 ORBITZ LLC CHICAGO IL 6.99 ORBITZ SERVICE FEES 0122/05 TITLE BXING/UNE DR 9133484427 KS 88.98 BOXING SUPPUES 03/23/05 SHOPPERS TRAVEL WEST WINDSOR NJ 449.00 TOURS/TICKETS Continued on mono EFTA01703225  DUPLICATE COPY Prepued Fa Page 6 of 10 JEFFREY E EPSTEIN )0OO(-XXXXX8-42008 AnaaJal New Activity Continued 03/23/05 KAWASAKI MOTORS OORP94977004002 CA 125.50 AUTO PARTS/ACCESSORY 03/24/05 AMAZON.CCM SUPERSTORAMAZON.COM WA 43.41 MERCHANDISE AMOSUPERSTORE 03/25/05 ATHLETIC STYLE NEW YORK NY 325.88 APPAREL/ACCESSORIES 03/25/05 DESIGN WITHIN REACH 4158373940 CA 1,102.47 LAMPS/LIGHTING FIXTURES 03/25/06 REI MAIL ORDER 810 SUMNER WA 427.99 OUTDOOR GEAR 98352 Total of New Activity for G MAXWELL New Charges 48,880. Payments/Credts -1,075.0093 New Activity for CateDDOIX• 10$2 02/25/05 ANNUAL MEMBER SILIP FEE 35.00 PERIOD 04/05 THRU 03/06 Total of New Activity for New Charges 35.00 Payments/ere:Its 0.00 Total of New Activity New Charges 50,715.99 Payments/Credits -32,310.60 EFTA01703226  DUPLICATE COPY P,irxvid Fs Map Dab Page 7 of 10 JEFFREY E EPSTEIN 3718.463688'42008 03/27/05 Notice of Changes to Your Agreement We are making Important Changes to your American Express Cardmember Agreement ('Agreement) goveming the American Express® Card Account identified on this Notice. Unless otherwise indicated below, these changes become effective with billing periods beginning on or after May 1, 2005, whether or not you receive a billing statement. This Notice formally amends your Agreement, and any contrary or conflicting language in that Agreement is replaced fully and completely. Note that the terms of your Account are subject to change (including increasing APRs/DPRs and fees, changing fixed APRs/DPRs to variable APRs/DPRs, and adding new terms) in accordance with the Agreement governing your Account. All terms of the Agreement not amended herein remain in full force and effect. This is an important Notice of changes to your Agreement. We recommend that you carefully review these changes, share them with any Additional Cardmembers on your Account, and keep this Notice for future reference. If you have questions regarding this Notice, please call the telephone number listed on the back of your American Express Card. Determining the Prime Rate Applicable to your Account We are changing the timing of when we determine the Prime Rate used to calculate the variable APRs (and correspondinpDPRs) applicable to your Account. Accordingly, we are replacing subsection C of the Finance Charges section of the Sign & Travel' and/or Extended Payment Option Agreement with the following: ' C. The "Prime Rate" is determined once with respect to each billing period. The Prime Rate for each billing period is the.Prime Rate published in the Money Rates section (or successor section) of The Wall Street Journal on (a) the first day of that billing period or (b) the day that is two days prior to the Closing Date of that billing period, whichever Is higher. In each case, if such a day is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. If The Wall Street Journal ceases or suspends publication, we may refer to the Prime Rate published In any other newspaper of general circulation in New York, New York, or we may substitute a similar reference rate at our sole discretion. Any increase or decrease to an APR resulting from a change in the Prime Rate takes effect as of the first day of the billing period. An Increase in the Prime Rate means that the variable APRs (and corresponding DPRs) applicable to your Account will increase and you may incur higher Finance Charges and may have a higher Minimum Amount Due: Average Daily Balance Method for Calculation of Finance Charges (Effective May 8, 2005) We are revising the Average Daily Balance Method for Calculation of Finance Charges section of the Sign & Travel® and/or Extended Payment Option Agreement to add the following two sentences to the end of that section: ' In our sole discretion, we also may round any calculations made in determining the Finance Charges on your Account in any way that is convenient to us. Any such rounding may apply to or cause variations in your DPRs' Arbitration (Effective May 8, 2005) We are amending certain subsections under the Arbitration section of your Agreement as follows (references to subsections below refer to those subsections in the Arbitration section of your Agreement): We are replacing the first sentence of the Definitions subsection with the following: "As used in this Arbitration Provision, the term 'Claim' means any claim, dispute or controversy between you and us arising from or relating to your Card Account, this Agreement, the Electronic Funds Transfer Services Agreement, the Sign 8 Travel and/or Extended Payment Option Agreement, and any other related or prior agreement that you may have had with us, or the relationships resulting from any of the above agreements ("Agreements"), except for the validity, enforceability or scope of this Arbitration Provision or the Agreements! We are replacing the Initiation of Arbitration Proceeding/Selection of Administrator subsection with the following: "Initiation of Arbitration Proceeding/Selection of Administrator. Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed (the "Codes), except to the extent the Code conflicts with this Agreement. Claims shall be referred to either the National Arbitration Forum ("NAF") or the American Arbitration Association ('AAA"), as selected by the party electing to use arbitration. If a selection by us of either of these organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select the other organization listed to serve as arbitration administrator. For a copy of the procedures, to as a Claim or for other information about these organizations, contact them as follows: • NAF at P.O. Box 50191, Minneapolis, MN 55405; website: www.arbitration-forum.com. • MA at 335 Madison Avenue, New York, NY 10017; website: www.adrorg." We are replacing the first sentence of the Significance of Arbitration subsection with the following: "IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM! We are adding the following two sentences to the end of the Restrictions on Arbitration subsection: "No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision in this Agreement (including but not limited to the 'Confinuarlon-provision below) and without waiving either patty's right to appeal such decision, should any portion of this 'Restrictions on Arbitration' provision be deemed invalid or unenforceable, then the entire Arbitration Provision (other than this sentence) shall not apply.' We are replacing the second sentence of the Continuation subsection with the following: ' Except as otherwise provided in the 'Restrictions on Arbitration' provision above, if any portion of this Arbitration Provision (other than the "Restrictions on Arbitration' provision) is deemed Invalid or unenforceable, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement or any predecessor agreement you may have had with us, each of which shall be enforceable regardless of such Invalidity.' BP/CO1FYI/0305 T2313 EFTA01703227  DUPLICATE COPY Accoulthrrixf Page 8 of 10 JEFFREY E EPSTEIN 3718-463688-42008 Other Important Information About Your Account Annual EFT Error Resolution Notice This notice is to inform you about how you should notify us of errors or questions regarding any electronic fund transfers you Initiate using your American Express Card, including Express Cash transactions, or electronic payments you make to American Express using Pay By Phone, Pay By Computer, or any other American Express electronic payment service. In case of errors or questions about your Electronic Transfers, please telephone us at 1-800-IPAY-AXP for Pay By Phone and Pay By Computer questions, and at 1.800-CASH-NOW for Express Cash and Automatic Payment questions. Alternatively, you may write to us at American Express Travel Related Services Company, Inc., Electronic Funds Services, P.O. Box 297815, Ft. Lauderdale, FL 33329-7815, or e-mail us by clicking on the Customer Service link online at www.americanexpress.com. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared or question arose. When you contact us, please provide the following information: (1) Your name and account number. (2) Description of the error or the transfer you are unsure about. Explain as clearly as you can why you believe it is an error or why you need more information. (a) The date and dollar amount of the suspected error. If you notify us by phone, we may require that you send us your complaint or question in writing within 10 business days of the call. We will determine whether an error occurred within 10 business days and will correct any error promptly. If we need more time, however, we may take up to 45 days to Investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question In writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Insurance Products Notice We identify insurance providers and products that may be of interest to you. In this role we may ad on behalf of the insurance provider, as permitted by law. We receive compensation from insurance providers that may vary by provider and product. Also, we may receive additional compensation or financial benefit when AMEX Assurance Company or another American Express entity acts as the insurer or reinsurer for these products. The arrangements we have with providers, including the potential to insure or reinsure products, may also influence what products and providers we identify. BP/C01FYI/0305 T2313 EFTA01703228  DUPLICATE COPY picoateo For AcccullNunte Cafe Page 9 of 10 JEFFREY E EPSTEIN 3718-463688-42008 03/27/05 An Important Notice Concerning Cardmember Privacy This Privacy : Notice is addressed to United States holders of personal American Express Charge Cards or accounts, Optima Cards or accounts, and other personal credit card accounts that we issue, and to United States holders of business charge and credit cards from OPEN: The Small Business Network- from American Express. This Notice explains how we collect and safeguard information about you and how to tell us your opt out choices. In this Notice, American Express Travel Related Services Company, Inc., American Express Centurion Bank, and American Express Bank, FSB are called 'American Express,' "we," "our,' and "us? The cards and accounts that we issue are called 'Cards" or "Card accounts? Holders of those Card accounts are called 'Cardmembers' or 'you.' Affiliates' refers to other companies in the American Express family, related to us by common control or ownership. What Information Do We Collect? institutions with whom we jointly offer products We obtain information about you from a variety