really appreciate the posting Yeun.., I always find the footnotes the most interesting part.

i will be out of the country starting in ten days, have not yet received the letter, so hoping that you can

post them as well.



And for Amex bank president, you will probably find that some of your bigger spenders are interested primarily

in the exchange rate employed (compared to MasterCard and visa and banks), foreign exchange fee (pure profit to

you, but not if you lose the customer over it), and elite night credits.


People who don’t frequently stay in Starwood or other premium hotels may be impressed with silver or gold status,
but fact of the matter is that virtually any guest can get most or all of those benefits by politely requesting them on
check in. In fact , upgrades and late check outs are subject to the discretion of the hotel — whether they are guest friendlu or not, — for silver and gold members as well.