ges, we may use other formulas or methods that produce equivalent results. Also, we may choose not to charge interest on certain types of charges. CBALENDDMEMAZIP92' SDNY_GM_02745220 EFTA_00232476 EFTA01673879 American Express@ Traditional RititaiticATE COPY JEFFREY E EPSTEIN Closing Date 02/23/18 P 27/30