Blue Businessª Plus Credit Card p.

1/5
AGAPE
KHADESHA BRYANT Customer Care: 1-800-521-6121
Closing Date 12/14/22 Next Closing Date 01/13/23 TTY: Use Relay 711
Account Ending 3-21009 Website: americanexpress.com

Membership Rewards® Points

New Balance $6,595.66 Available and Pending as of 11/30/22
Minimum Payment Due $1,646.00 79,818
For up to date point balance and full program
Includes $1,595.66 above your credit limit as of this statement's closing date details, visit membershiprewards.com
Payment Due Date 01/08/23 Account Summary

Late Payment Warning: If we do not receive your Minimum Payment Due by Previous Balance $7,303.47
the Payment Due Date of 01/08/23, you may have to pay a late fee of up to Payments/Credits -$7,303.47
$39.00 and your APRs may be increased to the Penalty APR of 29.99%. New Charges +$6,595.66
Fees +$0.00
Interest Charged +$0.00

Minimum Payment Warning: If you make only the minimum payment each period, New Balance $6,595.66
you will pay more in interest and it will take you longer to pay off your balance. For Minimum Payment Due $1,646.00
example:
Credit Limit $5,000.00
If you make no additional You will pay off the balance And you will pay an Amount Above the Credit Limit $1,595.66
charges and each month shown on this statement in estimated total of...
you pay... about...
Days in Billing Period: 31
Only the
Minimum Payment Due 17 years $15,212

If you would like information about credit counseling services, call 1-888-733-4139.
See page 2 for important information about your account.

New York Residents: New York Residents may contact the New York State
Department of Financial Services by telephone or visit its website for free
information on comparative credit card rates, fees, and grace periods. New York
Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov.

Please refer to the IMPORTANT NOTICES section on

page 5.

Continued on page 3

Payment Coupon Pay by Computer Pay by Phone Account Ending 3-21009

Do not staple or use paper clips americanexpress.com/ 1-800-472-9297
business Enter 15 digit account # on all payments.
Make check payable to American Express.

KHADESHA BRYANT Payment Due Date

AGAPE 01/08/23
APT 220
103 COURT ST New Balance
ROCHESTER NY 14604-1841 $6,595.66
AutoPay Amount
$6,595.66

See reverse side for instructions AMERICAN EXPRESS

P.O. BOX 1270
$ .
Amount Enclosed
on how to update your address,
phone number, or email. NEWARK NJ 07101-1270
 KHADESHA BRYANT Account Ending 3-21009 p. 2/5

Payments: Your payment must be sent to the payment address shown on than the highest official rate published by a government agency or the
your statement and must be received by 5 p.m. local time at that address to highest interbank rate we identify from customary banking sources on the
be credited as of the day it is received. Payments we receive after 5 p.m. will conversion date or the prior business day. This rate may differ from rates in
not be credited to your Account until the next day. Payments must also: (1) effect on the date of your charge. Charges converted by establishments
include the remittance coupon from your statement; (2) be made with a (such as airlines) will be billed at the rates such establishments use.
single check drawn on a US bank and payable in US dollars, or with a Credit Balance: A credit balance (designated CR) shown on this statement
negotiable instrument payable in US dollars and clearable through the US represents money owed to you. If within the six-month period following
banking system; and (3) include your Account number. If your payment the date of the first statement indicating the credit balance you do not
does not meet all of the above requirements, crediting may be delayed and request a refund or charge enough to use up the credit balance, we will
you may incur late payment fees and additional interest charges. Electronic send you a check for the credit balance within 30 days if the amount is
payments must be made through an electronic payment method payable $1.00 or more. To request a refund, contact us at the address or phone
in US dollars and clearable through the US banking system. Please do not number as noted on page 3 for Customer Care & Billing Inquiries.
send post-dated checks as they will be deposited upon receipt. Any Credit Reporting: We may report information about your Account to credit
restrictive language on a payment we accept will have no effect on us bureaus. Late payments, missed payments, or other defaults on your
without our express prior written approval. We will re-present to your Account may be reflected in your credit report.
financial institution any payment that is returned unpaid. Billing Dispute Procedures
Permission for Electronic Withdrawal: (1) When you send a check for What To Do If You Think You Find A Mistake On Your Statement
payment, you give us permission to electronically withdraw your payment If you think there is an error on your statement, write to us at:
from your deposit or other asset account. We will process checks American Express, PO Box 981535, El Paso TX 79998-1535
electronically by transmitting the amount of the check, routing number, In your letter, give us the following information:
account number and check serial number to your financial institution, - Account information: Your name and account number.
unless the check is not processable electronically or a less costly process is - Dollar amount: The dollar amount of the suspected error.
available. When we process your check electronically, your payment may - Description of Problem: Describe what you believe is wrong and why you
be withdrawn from your deposit or other asset account as soon as the same believe it is a mistake.
day we receive your check, and you will not receive that cancelled check You must contact us:
with your financial account statement. If we cannot collect the funds - Within 60 days after the error appeared on your statement.
electronically we may issue a draft against your deposit or other asset - At least 2 business days before an automated payment is scheduled, if you
account for the amount of the check. (2) By using Pay By Computer, Pay By want to stop payment on the amount you think is wrong.
Phone or any other electronic payment service of ours, you give us You must notify us of any potential errors in writing. You may call us, but if
permission to electronically withdraw funds from the deposit or other asset you do we may not follow these procedures and you may have to pay the
account you specify in the amount you request. Payments using such amount in question.
services of ours received after 8:00 p.m. MST may not be credited until the What Will Happen After We Receive Your Letter
next day. When we receive your letter, we will do two things:
How We Calculate Your Balance: We use the Average Daily Balance (ADB) 1. Within 30 days of receiving your letter, we will tell you that we received
method (including new transactions) to calculate the balance on which we your letter. We will also tell you if we have already corrected the error.
charge interest on your Account. Call the Customer Care number on page 3 2. We will investigate your inquiry and will either correct the error or
for more information about this balance computation method and how explain to you why we believe the bill is correct.
resulting interest charges are determined. The method we use to calculate While we investigate whether or not there has been an error:
the ADB and interest results in daily compounding of interest. - We will not try to collect the amount in question.
Paying Interest: Your due date is at least 25 days after the Closing Date of - The charge in question may remain on your statement, and we may
each billing period. We will not charge you interest on your purchases if continue to charge you interest on that amount.
you pay the New Balance by the due date each month. We will charge you - While you do not have to pay the amount in question, you are responsible
interest on balance transfers (unless otherwise disclosed) beginning on the for the remainder of your balance.
transaction date. You can avoid paying interest on the Amount Above the - We can apply any unpaid amount against your credit limit.
Credit Limit by paying your Minimum Payment Due before the closing date After we finish our investigation, one of two things will happen:
of the month in which it is due. See your Cardmember Agreement for - If we made a mistake: You will not have to pay the amount in question or
further details. any interest or other fees related to that amount.
Foreign Currency Charges: If you make a Charge in a foreign currency, we - If we do not believe there was a mistake: You will have to pay the amount
will convert it into US dollars on the date we or our agents process it. We in question, along with applicable interest and fees. We will send you a
will charge a fee of 2.70% of the converted US dollar amount. We will statement of the amount you owe and the date payment is due. We may
choose a conversion rate that is acceptable to us for that date, unless a report you as delinquent if you do not pay the amount we think you owe.
particular rate is required by law. The conversion rate we use is no more

Pay Your Bill with AutoPay

Deduct your payment from your bank
account automatically each month.

- Avoid late fees

- Save time
Change of Address, phone number, email
Visit americanexpress.com/autopay
- Online at www.americanexpress.com/updatecontactinfo today to enroll.
- Via mobile device
- Voice automated: call the number on the back of your card
- For name, company name, and foreign address or phone changes, please call Customer Care
Please do not add any written communication or address change on this stub For information on how we protect your
privacy and to set your communication
and privacy choices, please visit
www.americanexpress.com/privacy.
 Blue Businessª Plus Credit Card p. 3/5
AGAPE
KHADESHA BRYANT
Closing Date 12/14/22 Account Ending 3-21009

Customer Care & Billing Inquiries 1-800-521-6121

International Collect 1-623-492-7719 Website: americanexpress.com
Cash Advance at ATMs Inquiries 1-800-CASH-NOW
Large Print & Braille Statements 1-800-521-6121 Customer Care
& Billing Inquiries Payments
P.O. BOX 981535 P.O. BOX 1270
EL PASO, TX NEWARK NJ 07101-
79998-1535 1270
Hearing Impaired
Online chat at americanexpress.com or use Relay dial 711 and 1-800-521-6121

We will debit your bank account for your monthly AutoPay payment of
$6,595.66 on 12/29/22. This date may not be the same date your bank
will debit your bank account. Any inquiry to American Express
concerning this debit should be made before 12/29/22. If your monthly
AutoPay payment is less than your Minimum Payment Due, we must
receive an additional payment for at least the difference by 01/08/23.

Payments and Credits

Summary

Total
Payments -$7,303.47
Credits $0.00
Total Payments and Credits -$7,303.47

Detail *Indicates posting date

Payments Amount
11/28/22* AUTOPAY PAYMENT RECEIVED - THANK YOU -$7,303.47
JPMorgan Chase Bank NA

New Charges
Summary
Total
Total New Charges $6,595.66

Detail
KHADESHA BRYANT
Card Ending 3-21009
Amount
11/20/22 ADOBE PRODUCTS Adobe Systems SAN JOSE CA $16.19
ADOBE.LY/ENUS
11/22/22 NAME-CHEAP.COM* QZBDAC PHOENIX AZ $14.76
3233752822
11/23/22 AIRTABLE.COM/BILL SAN FRANCISCO CA $120.00
+14152002040
12/01/22 GOOGLE *CLOUD W2HK6Z CC@GOOGLE.COM CA $6,323.16
BUSINESS SERVICE
12/01/22 WEBFLOW.COM SAN FRANCISCO CA $90.72
4159640555
12/07/22 WEBFLOW.COM SAN FRANCISCO CA $30.83
4159640555

Continued on reverse
 KHADESHA BRYANT Account Ending 3-21009 p. 4/5

Fees

Amount

Total Fees for this Period $0.00

Interest Charged

Amount

Total Interest Charged for this Period $0.00

About Trailing Interest

You may see interest on your next statement even if you pay the new balance in full and on time and make no new charges. This is called
"trailing interest". Trailing interest is the interest charged when, for example, you didn't pay your previous balance in full. When that
happens, we charge interest from the first day of the billing period until we receive your payment in full. You can avoid paying interest
on purchases by paying your balance in full and on time each month. Please see the "When we charge interest" sub-section in your
Cardmember Agreement for details.

2022 Fees and Interest Totals Year-to-Date

Amount
Total Fees in 2022 $187.00
Total Interest in 2022 $526.36

Interest Charge Calculation

Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance Subject Interest
Percentage Rate to Interest Rate Charge

Purchases 29.99% (v) $0.00 $0.00

Total $0.00
(v) Variable Rate
 AGAPE p. 5/5
KHADESHA BRYANT Closing Date 12/14/22 Account Ending 3-21009
IMPORTANT NOTICES

EFT Error Resolution Notice

In Case of Errors or Questions About Your Electronic Transfers Telephone us at 1-800-IPAY-AXP for Pay By
Phone questions, at 1-800-528-2122 for Pay By Computer questions, and at 1-800-528-4800 for AutoPay and at
1-800-CASH NOW for Express Cash questions. You may also write us at American Express, Electronic Funds
Services, P.O. Box 981531, El Paso TX 79998-1531, or contact us online at www.americanexpress.com/
inquirycenter as soon as you can, if you think your statement or receipt is wrong or if you need more information
about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the
FIRST statement on which the error or problem appeared.
1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you
believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to
do this, we will credit your account for the amount you think is in error, so that you will have the use of the money
during the time it takes us to complete our investigation.

End of Important Notices.