Business Gold Card p.

1/9
VIVANT GARDE LLC
C FERNANDEZ Customer Care: 1-800-492-3344
Closing Date 11/14/22 Next Closing Date 12/15/22 TTY: Use Relay 711
Account Ending 0-41005 Website: americanexpress.com

Membership Rewards® Points

New Balance $1,163.77 Available and Pending as of 10/31/22
14,353
Payment Due Date 12/09/22 For more details about Rewards, please
visit americanexpress.com/rewardsinfo
Late Payment Warning: If we do not receive your payment by the Payment Due Account Summary
Date of 12/09/22, you may have to pay a late fee of $39.00.
Pay In Full Portion
Previous Balance $721.73
Payments/Credits -$2,207.60
New Charges +$2,649.64
Fees +$0.00
New Balance = $1,163.77
See page 2 for important information about your account. Pay Over Time Portion
Previous Balance $0.00
New York Residents: New York Residents may contact the New York State Payments/Credits -$547.73
Department of Financial Services by telephone or visit its website for free New Charges +$547.73
information on comparative credit card rates, fees, and grace periods. New York Fees +$0.00
Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov. Interest Charged +$0.00
New Balance = $0.00
Please refer to the IMPORTANT NOTICES section on Minimum Due $0.00
page 9.
Account Total
Learn how to take advantage of your Pay Over Time feature on page 8 Previous Balance $721.73
Payments/Credits -$2,755.33
New Charges +$3,197.37
Fees +$0.00
Interest Charged +$0.00

New Balance $1,163.77

Pay Over Time Limit $2,000.00

Available Pay Over Time Limit $2,000.00
Days in Billing Period: 31

Please fold on the perforation below, detach and return with your payment

Payment Coupon Pay by Computer Pay by Phone Account Ending 0-41005

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.

C FERNANDEZ Payment Due Date

VIVANT GARDE LLC 12/09/22
VIVANT GARDE LLC
401 W 110TH ST APT 8
NEW YORK NY 10025
Amount Due
$1,163.77

See reverse side for instructions AMERICAN EXPRESS

on how to update your address, P.O. BOX 1270
phone number, or email. NEWARK NJ 07101-1270
 C FERNANDEZ Account Ending 0-41005 p. 2/9

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

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.
 Business Gold Card p. 3/9
VIVANT GARDE LLC
C FERNANDEZ
Closing Date 11/14/22 Account Ending 0-41005

Customer Care & Billing Inquiries 1-800-678-0745

International Collect 1-336-393-1111 Website: americanexpress.com
Lost or Stolen Card 1-800-678-0745
Express Cash 1-800-CASH-NOW Customer Care
Large Print & Braille Statements 1-800-678-0745 & 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 1-800-678-0745

Payments and Credits

Summary

Pay In Full Pay Over Time Total

Payments -$1,622.27 -$547.73 -$2,170.00
Credits -$585.33 $0.00 -$585.33
Total Payments and Credits -$2,207.60 -$547.73 -$2,755.33

Detail *Indicates posting date

Payments Amount
10/21/22* MOBILE PAYMENT - THANK YOU -$500.00
10/28/22* MOBILE PAYMENT - THANK YOU -$570.00
11/04/22* MOBILE PAYMENT - THANK YOU -$600.00
11/10/22* MOBILE PAYMENT - THANK YOU -$500.00
Credits Amount
11/07/22* FINANCIAL RELIEF SPEND -$547.73
11/09/22* GRUBHUB/SEAMLESS PURCH WITH MR PTS CREDIT -$22.68
11/11/22* GRUBHUB/SEAMLESS PURCH WITH MR PTS CREDIT -$14.92

New Charges
Summary
Pay In Full Pay Over Time Total
Total New Charges $2,649.64 $547.73 $3,197.37

Detail *Indicates posting date - denotes Pay Over Time activity

C FERNANDEZ
Card Ending 0-41005
Amount
10/14/22 SEAMLSS*109SPICYGOURME NEW YORK NY $23.75
8002561020
10/16/22 IN *MANHATTAN VALLEY WINES & SPIRITS NEW YORK NY $14.49
GVXQKIZZ1YTRVFQDJ10025
10/16/22 980 COLUMBUS FOOD NEW YORK NY $13.50
USFC1980 10025
10/16/22 980 COLUMBUS FOOD NEW YORK NY $28.08
212-531-8777
10/17/22 UBER EATS help.uber.com CA $4.53
8005928996
10/17/22 UBER EATS help.uber.com CA $21.20
8005928996

Continued on reverse
 C FERNANDEZ Account Ending 0-41005 p. 4/9

Detail Continued *Indicates posting date - denotes Pay Over Time activity

Amount
10/17/22 PRINTFUL CHARLOTTE DE $23.41
MEN'S/WOMEN'S CLOTHNG
10/17/22 PRINTFUL CHARLOTTE DE $34.44
MEN'S/WOMEN'S CLOTHNG
10/17/22 FIRST CITYCAB CORP. FIRST CITYCAB C QUEENS NY $14.30
TAXICAB & LIMOUSINE
10/17/22 THE MUFFIN CAFE 0000 NEW YORK NY $4.03
212-875-1173
10/17/22 THE MUFFIN CAFE 0000 NEW YORK NY $4.03
212-875-1173
10/17/22 DARK BULLET SAKE AND OY. 0001 NEW YORK NY $48.28
212-235-6788
10/17/22 FRESHY'S DELI AND GROCERY 620999990056 NEW YORK NY $17.27
[email protected]
10/18/22 COLUMBUS CONVENIENCE CORP COL NEW YORK NY $20.80
9292174389
10/18/22 COLUMBUS FRESH FARMS 000000001 NEW YORK NY $6.00
2128770837
10/18/22 STARBUCKS STORE 0731 NEW YORK NY $3.76
FAST FOOD RESTAURANT
10/19/22 SEAMLSS*DUKEELLINGTOND NEW YORK NY $24.05
8002561020
10/19/22 SEAMLSS*HARLEMSHAKE NEW YORK NY $27.23
8002561020
10/19/22 FRESHY'S DELI AND GROCERY 620999990056 NEW YORK NY $21.59
[email protected]
10/20/22 COLUMBUS CONVENIENCE CORP COL NEW YORK NY $41.60
9292174389
10/20/22 980 COLUMBUS FOOD NEW YORK NY $21.84
USFC1TREM10025
10/20/22 IN *MANHATTAN VALLEY WINES & SPIRITS NEW YORK NY $23.04
RDLVI5R5UBGDZ4N6K10025
10/20/22 SEAMLSS*PIEPIEPIZZA NEW YORK NY $25.26
8002561020
10/20/22 PLACEIT EMPOWERKIT SAN FRANCISCO CA $89.69
4871472 94111
10/20/22 TST* THE HEIGHTS NY 00067620 NEW YORK NY $7.73
RESTAURANT
10/20/22 TST* THE HEIGHTS NY 00067620 NEW YORK NY $30.92
RESTAURANT
10/20/22 980 COLUMBUS FOOD NEW YORK NY $30.16
212-531-8777
10/20/22 SEAMLSS*KOKOWINGS NEW YORK NY $33.92
8002561020
10/21/22 APPLE.COM/BILL INTERNET CHARGE CA $21.76
RECORD STORE
10/21/22 FIRST CITYCAB CORP. FIRST CITYCAB C QUEENS NY $14.30
TAXICAB & LIMOUSINE
10/21/22 FRESHY'S DELI AND GROCERY 620999990056 NEW YORK NY $14.69
[email protected]
10/21/22 THE MUFFIN CAFE 0000 NEW YORK NY $4.03
212-875-1173
10/22/22 FRESHY'S DELI AND GROCERY 620999990056 NEW YORK NY $19.34
[email protected]
10/23/22 COLUMBUS CONVENIENCE CORP COL NEW YORK NY $20.80
9292174389

Continued on next page

 Business Gold Card p. 5/9
VIVANT GARDE LLC
C FERNANDEZ
Closing Date 11/14/22 Account Ending 0-41005

Detail Continued *Indicates posting date - denotes Pay Over Time activity

Amount
10/23/22 SEAMLSS*MANHATTANVALLE NEW YORK NY $38.79
8002561020
10/23/22 SEAMLSS*109SPICYGOURME NEW YORK NY $24.21
8002561020
10/23/22 GRUBHUB* 109SPICYGOURM CHICAGO IL $24.21
+18775851085
10/24/22 PRINTFUL CHARLOTTE DE $33.49
MEN'S/WOMEN'S CLOTHNG
10/24/22 SEAMLSS*JINRAMENNOODLE NEW YORK NY $33.15
8002561020
10/25/22 PRINTFUL CHARLOTTE DE $28.44
MEN'S/WOMEN'S CLOTHNG
10/25/22 SEAMLSS*DUKEELLINGTOND NEW YORK NY $13.28
8002561020
10/29/22 AplPay COLUMBUS CONVENIENCE CORP COL NEW YORK NY $24.96
9292174389
10/29/22 AplPay THE MUFFIN CAFE 0000 NEW YORK NY $4.03
212-875-1173
10/29/22 AplPay 980 COLUMBUS FOOD NEW YORK NY $16.64
USFC1980 10025
10/30/22 AplPay COLUMBUS CONVENIENCE CORP COL NEW YORK NY $20.80
9292174389
10/30/22 AplPay 980 COLUMBUS FOOD NEW YORK NY $16.64
USFC1980 10025
10/31/22 UBER EATS help.uber.com CA $27.28
8005928996
10/31/22 UBER EATS help.uber.com CA $4.45
8005928996
10/31/22 Uber Trip help.uber.com CA $64.72
8005928996
10/31/22 TGI FRIDAY'S ISLANDIA NY $196.82
631-218-9067
10/31/22 AMZN MKTP US*H216J9L30 AMZN.COM/BILL WA $80.51
BOOK STORES
10/31/22 SEAMLSS*109SPICYGOURME NEW YORK NY $30.73
8002561020
10/31/22 AUSTIN DELI AND GROCERY 00-08039799427 FOREST HILLS NY $13.70
MISC FOOD STORE
10/31/22 AplPay 980 COLUMBUS FOOD NEW YORK NY $26.00
USFC1980 10025
10/31/22 AMZN MKTP US*H02NA2MA2 AMZN.COM/BILL WA $36.94
BOOK STORES
10/31/22 MARTHA S COUNTRY BAKERY F 628504006819 FOREST HILLS NY $42.84
718-544-0088
11/01/22 PRINTFUL CHARLOTTE DE $17.34
MEN'S/WOMEN'S CLOTHNG
11/01/22 FRESHY'S DELI AND GROCERY 620999990056 NEW YORK NY $19.34
[email protected]
11/01/22 WHOLEFDS UWS 10328 000010328 NEW YORK NY $13.05
2122226160
11/02/22 COLUMBUS CONVENIENCE CORP COL NEW YORK NY $41.60
9292174389
11/02/22 980 COLUMBUS FOOD NEW YORK NY $28.08
212-531-8777

Continued on reverse
 C FERNANDEZ Account Ending 0-41005 p. 6/9

Detail Continued *Indicates posting date - denotes Pay Over Time activity

Amount
11/02/22 980 COLUMBUS FOOD NEW YORK NY $22.66
212-531-8777
11/02/22 Long Teng USA Inc 2 New York NY $50.48
USFC1Amaz10025
11/03/22 SEAMLSS*AMITYHALLUPTOW NEW YORK NY $20.15
8002561020
11/03/22 JOES GOURMET DELI 055630000181255 NEW YORK NY $3.64
[email protected]
11/03/22 980 COLUMBUS FOOD NEW YORK NY $19.24
212-531-8777
11/04/22 APPLE.COM/BILL INTERNET CHARGE CA $5.43
RECORD STORE
11/04/22 UBER EATS help.uber.com CA $22.57
Y4FYOYXA 94103
11/04/22 FRESHY'S DELI AND GROCERY 620999990056 NEW YORK NY $17.55
[email protected]
11/04/22 SEAMLSS*ZAAD NEW YORK NY $18.36
8002561020
11/05/22 COLUMBUS CONVENIENCE CORP COL NEW YORK NY $62.40
9292174389
11/05/22 UBER EATS SAN FRANSISCO CA $23.98
5O5TZOQO 94103
11/05/22 COLUMBUS CONVENIENCE CORP COL NEW YORK NY $20.80
9292174389
11/05/22 SEAMLSS*109SPICYGOURME NEW YORK NY $27.48
8002561020
11/05/22 FRESHY'S DELI AND GROCERY 620999990056 NEW YORK NY $6.76
[email protected]
11/05/22 980 COLUMBUS FOOD NEW YORK NY $15.60
USFC1980 10025
11/06/22 APPLE.COM/BILL INTERNET CHARGE CA $4.99
RECORD STORE
11/06/22 THE MUFFIN CAFE 0000 NEW YORK NY $6.33
212-875-1173
11/07/22* FINANCIAL RELIEF SPEND $547.73
11/07/22 UPWORK*-528764180REF SANTA CLARA $69.59
EMPLOYMENT AGENCY
11/07/22 NYC TAXI 1246 460010 09012460010 LONG ISLAND C NY $14.30
718-9374444
11/07/22 SEAMLSS*THEBEERDEPOTMO NEW YORK NY $22.68
8002561020
11/07/22 SEAMLSS*SLPLUS NEW YORK NY $10.79
8002561020
11/08/22 SEAMLSS*SWEETSCAPEDESS NEW YORK NY $20.76
8002561020
11/09/22 SEAMLSS*THEBEERDEPOTMO NEW YORK NY $23.68
8002561020
11/09/22 SEAMLSS*FAMOUSFAMIGLIA NEW YORK NY $14.92
8002561020
11/09/22 SEAMLSS*CREPESONCOLUMB NEW YORK NY $20.41
8002561020
11/10/22 PRINTFUL CHARLOTTE DE $59.81
MEN'S/WOMEN'S CLOTHNG
11/10/22 SEAMLSS*THEBEERDEPOTMO NEW YORK NY $23.68
8002561020

Continued on next page

 Business Gold Card p. 7/9
VIVANT GARDE LLC
C FERNANDEZ
Closing Date 11/14/22 Account Ending 0-41005

Detail Continued *Indicates posting date - denotes Pay Over Time activity

Amount
11/10/22 SEAMLSS*SZECHUANGARDEN NEW YORK NY $18.52
8002561020
11/11/22 PRINTFUL CHARLOTTE DE $30.02
MEN'S/WOMEN'S CLOTHNG
11/11/22 SEAMLSS*HARLEMSHAKE NEW YORK NY $29.31
8002561020
11/11/22 AplPay CENTRAL PARK DELI & O 0670000000978 NEW YORK NY $15.60
[email protected]
11/11/22 AplPay 980 COLUMBUS FOOD NEW YORK NY $15.60
USFC1980 10025
11/11/22 GROUPON INC 877-788-7858 IL $18.50
MISC PERSONAL SERVICE
11/12/22 PRINTFUL CHARLOTTE DE $50.89
MEN'S/WOMEN'S CLOTHNG
11/12/22 SEAMLSS*THEBEERDEPOTMO NEW YORK NY $23.68
8002561020
11/12/22 SEAMLSS*DUKEELLINGTOND NEW YORK NY $16.56
8002561020
11/13/22 SEAMLSS*THEBEERDEPOTMO NEW YORK NY $22.68
8002561020
11/13/22 SEAMLSS*MANHATTANVALLE NEW YORK NY $49.67
8002561020
11/14/22 UPWORK*-530790168REF SANTA CLARA $52.72
EMPLOYMENT AGENCY
11/14/22 APPLE.COM/BILL INTERNET CHARGE CA $0.99
RECORD STORE

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 $334.00
Total Interest in 2022 $0.00
 C FERNANDEZ Account Ending 0-41005 p. 8/9

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

Pay Over Time option 5.99% (v) $0.00 $0.00

Total $0.00
(v) Variable Rate

Information on Pay Over Time

There is a no pre-set spending limit on your Card

No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend
adjusts based on factors such as your purchase, payment, and credit history.

Pay Over Time Limit

There is a limit to your Pay Over Time feature balance. Your Pay Over Time Limit is $2,000.00. We may approve or decline a charge
regardless of 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 Pay Over Time balance by the Payment Due Date.

Available Pay Over Time Limit

Your Available Pay Over Time Limit is $2,000.00 and is accurate as of your statement date. This Limit is the remaining amount that you
can add to your Pay Over Time balance. The Available Pay Over Time Limit amount is calculated by subtracting your Pay Over Time
balance from your Pay Over Time Limit. If you have a preset spending limit on your account that is less than your Pay Over Time Limit,
you may not be able to use some or all of your Available Pay Over Time Limit.

Pay Over Time Setting: OFF

The setting indicated above is accurate as of your statement closing date. For the most up to date setting, please refer to your online
account. If your setting is On, eligible charges will be placed in your Pay Over Time balance up to your Pay Over Time Limit. If your
setting is Off, all charges will be added to your Pay In Full balance and no new charges will be included in your Pay Over Time balance.
If you have an existing Pay Over Time balance, you can continue to pay this off over time with interest, as long as you pay your
minimum due each month by your Payment Due Date.
 VIVANT GARDE LLC p. 9/9
C FERNANDEZ Closing Date 11/14/22 Account Ending 0-41005
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.