Here is the screenshot immediately after that dude headed the ball into the goal. Note the time - 90+4:35.
Technically speaking, that IS the "95th" minute. Anything between 0:00:00 and 0:00:59.9 is the "first" minute. Then, anything between 0:01:00 and 0:01:59.9 is the "second" minute. Just like 0-99AD is the "first" century, and how anything between 2000 and 2099 is the "twenty-first" century.
94:35 is in the 95th minute. Once the clock ticks just past 94:59, then there will be a full 95 minutes elapsed, because the 95th minute will be full and complete.
While I have a major problem with how the refs get to arbitrarily add time, it was just as fair/unfair for both teams. Could have been only 4 minutes added, and the US would have won. But, both teams played with the same time, so it was fair.
My problem was with US strategy. At one point, the US kicked the ball to its own goalie. He was in the penalty box, near the front. There was not a single Portugese player on our side of the field. I understand that there are rules saying the goalie cannot hold the ball beyond a certain time period. But, he put the ball on the ground and kicked it to a teammate. Why not put it on the ground, back away a bit (in case there is some other rule that you cannot be near the ball and refuse to play it), and simply wait for a Portugese player to run make a play on it. As tired as everyone was, it would have taken them at least 30 seconds to get there.
Or, yellow cards don't carry to the next game, right? Why not just start yanking people and getting the yellow cards that come with the foul? That eats up a LOT of time! Much like in basketball when you foul someone to make them shoot freethrows, instead of eating up the clock, except this works the opposite way by eating the clock.