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    *The NilsonReport, 851, February 2006Higher Average Charge - Industry research shows that the average  American Express transaction is nearly 31% higher than the average  non-American Express credit transaction.*Avid Internet Shoppers - 79% of American Express Cardmembers used  American Express to make, on average, 23.2 purchases over the Internet  in the past year.**Frequent Diners - American Express Cardmembers made, on average, 19.2 restaurant purchases in the past 3 months.*** **Brookfield Research, July 2006
 ***Brookfield Research, June 2007
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