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st charges are determined. The method we use to figure the ADS and interest results in doily compounding of interest. PayingInterest: If you have a PayOver Time balance, your due date is at least 25 days after the close of each billing period. We will not charge you interest on charges added automatically to

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of each billing period. We will not charge you interest on charges added automatically to a Pay Over Time balance,or to charges that were added to a PayOver Time balance at your request in prior billing periods, if you pay the Account Total New Balance by the next Closing Date. Foreign CurrencyCharges: If yo

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ay Over Time limit is $35,000.00. We may approve or decline a charge regardless of whether your Card account balance exceeds or does not exceed your PayOver Time limit. You must pay in full all charges that are not placed into a Pay Over Time balance upon receipt of your billing statement. AME X004091 SDNY_

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whether your Card account balance exceeds or does not exceed your Pay Over Time limit. You must pay in full all charges that are not placed into a PayOver Time balance upon receipt of your billing statement. AMEX004544 SONY_GM_02747843 EFTA_00235099 EFTA01676502 JEFFREY E EPSTEIN DOMIL9911X05 p 18/22

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f whether your Card account balance exceeds or does not exceed your Pay Over Time limit. You must pay in full all charges that are not placed into a PayOver Time balance. For more information about Pay Over Time features please visit ameticanexpress.com/payenrdme. You are currently enrolled In Select & Pay L

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f whether your Card account balance exceeds or does not exceed your Pay Over Time limit. You must pay In full all charges that are not placed into a PayOver Time balance. For more information about Pay Over Time features please visit americanorpress.corn/payovertime. You are currently enrolled in Pay Over Ti