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he "Code"), except to the extent the Code conflicts with this Agreement. Claims shall be referred to either the National Arbitration Forum ('NAP) 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 sha
alculation 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 roun
the "Code"), except to the extent the Code conflicts with this Agreement Claims shall be referred to either the National Arbitration Forum ('NAP) 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 sha
t to Finance Charge (FC) for Purchases on Flexible Payment Features: Average Daily Balance (including new purchases, excluding new purchases made on the Sign & Travel° or Extended Payment Option" Flexible Payment Feature by Cardmembers enrolled in such Features). APR Information: The Annual Percentage Rates (APRs
e 'Code"), 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 ('AM"), as selected by the party electing to use arbitration. If a selection by us of either of these organizations is unacceptable to you, you shal
alculation 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 roun
Entities connected to both the American Arbitration Association and the Sign & Travel

Jeffrey Epstein
PERSON
New York City
LOCATION
U.S. Virgin Islands
LOCATION
United States
LOCATIONCartier
ORGANIZATION
The Wall Street Journal
ORGANIZATION
George W. Bush
PERSON
Hilton
ORGANIZATION
Hawaii
LOCATION
John F. Kennedy
PERSONHorne
LOCATIONCredit Information Provided
ORGANIZATIONElectronic Funds Services
ORGANIZATIONAmerican Express Centurion Bank
ORGANIZATIONAmerican Express Charge Cards
ORGANIZATIONWyndham Resorts
LOCATIONDe Pere
PERSONHome Lighting
ORGANIZATION
New York
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Vicky Ward
PERSON