EFTA00238902.pdf

SUBS ( statemern ailing Period: Paymmt DUO Dem Minimum Parent Out 04127/17 - 0526/17 ) lure 23, 2017 S35.00 UBS Visa Signature credit card statement played 'V O-1I",_ANE MAAO,E1.1. Pape 1 sae 8 Customer News Piimary Card Number Ending in Questions? Cal 1-800-762-1000 ubs ccm/onlineservices View your card account activity, download credit card statements and Account Summary Activity Summary more at abs.cowonikesentes. Minimum Payment Due 535.00 I Pre.,:ous Balance anent Due Date 06/23/17 - Payments Credit Line S35 COO 00 . vailable Credit Line $34,939.00 I - Other Credits Pay Credit Card reminder Cash Credt Line 514.000 00 + Cash Advances 50.00 . . Do not mail payment Your valable Cash tine 514,000.00 + Fees 50.00 Statement Balance in the amount . Past Due Amount SO 00 + Interest $61.00 is scheduled to be paid on verlirnit Amount so.o61 Statement Balance 6/20/17 from your UBS Account. Thank you. Payment Informations Statement Balance $61.00 Minimum Payment Due $35.00 Payment Due Date 06/23/2017 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of 27.99% Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and t ... :aL .cu longer to nay Ou Vet,' balance For Instance Itco make no adcilsonal cnaiges i You will pay oft the balance And you will end up paying the using this card and each month shown on this statement in estimated total of... Only the Minimum Payment I 2 months $62 If you would like information about credit counseling services, call 1.800.762.1000. The phone number for UBS Bank USA is 1-800-762-1000. 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. 1-800.342-3736 or WWW.dfS.ily.gOv * Repayment information is based on your account activity and the APRs on your amount as of the dosing date of this statement. Account activity after the dosing date is not reflected. To view your most recent transaction activity online, go to ubs.com/onlineservices. Death here. Plexe make checks pate to • UBS Card Services' and include this payment coupon in the enclosed envelope. Please alkyl 7. 10 badness days to U.S. Postal Service delivery. 1/85 BANK USA - CARD SERVICES PO BOX 84040 SUBS Card Number Ending in Minimum Payment Due Statement Balance 835.00 $61.00 COLUMBUS GA 31908-4040 Payment Due Date June 23, 2017 You are enrolled in Automated Pay Credit Card. Sendpayments to: Chi/SCA/NE MMWELL UBS BANK USA - CARD SERVICES PO BOX 103179 TEANECK N107666-0308 DALLAS DC 75310-3179 0 CONFIDENTIAL UBSTERRAMAR00003552 EFTA00238902 Important Information about your um credit card Lost or stolen card. Your credit cad is issued by UM Bank USA. If Other payment options your card is lost or stolen. please contact us immediately. at any time at Online. Visit uhs.cons onhnesermvs to sign up for Pay Credit Card to 1.888-762-1232 for the UBS Visa Infinite credit cud or 1.800.762.1000 for the UBS Visa Signature credit card. You will not be liable for any pay your account online. Payments made through Pay Credit Card will be credited to your account that same day if requested prior to 4:00 p.m. unauthorized use that mars after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any Eastern time for debits from an external account and 6:00 p.m. Eastern time for debits from a 11115 Resource Management Account (BAIA) or t CBS es, your liability will not exceed $50. Business Services .Account BSA account. Available only for cardholders Payment Information. Each billing cycle. you must pay at least the with an Rtt4 or CBS Business Services Account BSA. Minimum Payman Due shown on your monthly statement by its Payment Due Date. Both the Minimum Payment Inc and Payment Due Pay by Phone: To make a payment by phone. please call 1.888.762.1232 for the UBS Visa Infinite credit card or 1-800.762.1000 Date are noted on your statement. At any time you may pay more than the Minimum Payment Due up to the full amount you owe us, however for the UBS Visa Signature credit card. Payments made from an outside you cannot "pay ahead" ibis means that if you pay more than the account by 5:00 p.m. Eastern time will be credited to your account same required Minimum Payment Due in any billing cycle or if you make more day. Payments made from your UBS account by 6:00 p.m. Eastern time than one payment in a billing cycle. you will still need to pay the next are also credited same day. Application of any phone payment to your month's required Minimum Payment Due by your next Payment Due credit line may be delayed for up to 7 days. Dale. Remember to make all checks payable to IUDS Card Services. Overnight payments : Send overnight courier service or l'SPS Priority Please allow 7 days for the U.S. Postal Service to deliver your Mail payments to 'MS Bank ltSA • Card Services. 2975 Regent Boulevard. payment to us. Upon our receipt. your available credit may not he Increased by the pay merit amount for up to 7 days to ensure the hinds from the bank on which your payment Ls drawn are collected and not returned. VVhen you provide a check as payment P.O. Box 203291. Irving. TX 75063. A payment received at this address by 5:00 p.m. Central time that otherwise meets the requirements of a conforming payment will be credited to your account that same day. r9=99:60= I on this Account. you authorize us to either use the information from Automatic repayment of cash advances through your check to make a one-time electronic fund transfer from your CashConned : The C•arhConnect feature on your VHS credit card account or to proems the payment as a check transaction. When we use account will automatically repay new Cash Advancm obtained from information from your check to make an electronic fund transfer. funds ATMs and financial institutions ( CoshConnca Cash Advances). each may be withdrawn from your account as soon as the same day we night with available funds from yam UBS Resource Management receive your payment, and you will not receive your check back from Account (RMA) or your UBS Business Services Account BSA (either your financial institution. For inquiries, please call 1-888.762.1232 for referred to as your UBS Account). When we use your UBS Account to the UBS Visa Infinite credit card or 1.800.762.1000 for the UHS Visa repay your CoshConnect Cash Advance transaction in full, you will not Signature credit card. incur any interest charges. If there are insullicktt funds in your UBS Mailed Payments. A conforming payment received by us by 5:00 p.m. Account to pay off your CoshConnca Cash Advances balance in full. then the APR for your Cash Advances will apply as of the original Central time will be credited to your account the day of receipt. A transaction date on any remaining balance. You will be charged the APR "conforming payment" is a payment that: 1) is mailed using the enclosed on Cash Advances on your remaining CourConnea Cash Advance envelope and payment coupon included with this statement to VHS Bank balance until it is repaid in full. Applicable ATM mayhem< fees may USA - Card Services. P.O. Box 203219. Dallas. TX 75320-3210 and 2) is apply. No other account balances are paid through the CashConnea in the form of a single. nor6folded check or money order made payable feature. If you choose not to participate in the CashConnut feature, in US dollars from a US based institution. Any payment that does not please contact us at 1-88g-762-1232 for the LIBS Visa Infinite credit card meet these requirements a any payment with multiple checks or money or 1.800.762.1000 for the VBS Visa Signature credit card. Amiable only orders. additional co respondence. staples. paperclips. etc. will be for cardholders with onRUA or Business Services Account BSA. considered a "nor6confonning payment." which may delay the crediting of the payment for up to 5 days. We can accept Is payments. partial Accrual ofInterest and how to avoid paying interest on payments, checks and money orders marked 'Paid in Full" or language having the same effect without losing any of our rights under this purchases. Your due date is at least 23 days alter the close of each Agreement and such payments may be sent to the following address: billing cycle. On Purchases, interest begins to accrue as of the VHS Bank USA - Card Services, P.O. Box 203219. Dallas. 'IX transaction date. However. if you paid the Statement Balance from your 75320.3210. previous billing statement by the Payment Due Date on that statement. then (1) we will not impose interim en Purchases during your current Contnued on back of next page CONFIDENTIAL UBSTERRAMAR00003553 EFTA00238903  Page 3 of 8 My Choke Rewards Points from UBS Account Summary Total oirS Beginning Points this period 6,488 Points earned this period 61 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 6,549 'For more details on your rewards points activity, please visit us online at ubs corruuscards Act ety Ge SLANE ?JAVA ELL Cad ending in Date Description Amount PUMAS 05/19 PAYMENT THANK YOU 4160.00 1041-rattACthritY 4160.00 Purdm osce AMTRAK COM 1290628141984WASHINGTON OC 561.00 TKT: 1290628141984 DEPT DATE 0910i17 ORIG 805 DEST PVD Total Purchases Al3M1Y $61.00 2017 Totals Year-to-Date Summary of Fees and Interest $0.00 Chdrgeo S0.00 Interest Charge Calculation30 Days in Billing Cycle Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $0.00 13.99% 14 S0.00 BALANCE TRANSFERS $0.00 13.99% 14 SO.Oo CASH ADVANCES $0.00 22.74% 14 $0.00 50.00 0.00% S0.00 $0.00 13.99% Ivl 50.00 50 00 13 99% 'T: $0.00 $0.00 Total MEN <our Annu.a Percentage Rate APR. is the annual interest rate on your account v = Variable Rate CONFIDENTIAL UBSTERRAMAR00003554 EFTA00238904  Page 4 of 8 billing period if you pay the Statement Balance on the current billing In your letter. give us the following information: statement b• the Payment Due Dan in the current billing period and (2) cc Account Information: your name and account number we will credit any payment applied toward Purchases as of the first day in re Dollar amount: the dollar amount of the suspected enor your current billing period if you make a payment by the Paytnent Due co Description of problem: if you think there is an error on Date in the current billing period that ks less than the Statement Balance. your bill, describe what you believe is wrong and why you If a Statement Balance was shown on your previous billing statement and believe it is a mistake. You must contact us within 60 days you did not pay the Statement Balance by the Payment Due Date on that after the error appeared on your statement. statement. then we will not impose Interest Charges on any Purchases during the current billing period if you pay the Statement Balance shown You must notify was of any potential errors In writing . You may call us, on the current billing statement by the Payment Due Date in the current but if you do we arc not required to investigate any potential errors and billing period. For Balance Transfers. interest will accrue from the day we you may have to pay the amount in question. send the Balance Transfer to the payee. For Checks, interest will accrue While we investigate whether or not there has been an error: from the day the payee accepts the check. For Cash Advances, interest will accrue from the day you take the Cash Advance. cc We carrot try to collect the amount in question. or report you as delinquent on that amount. How we will calculate your balance subject to Interest rate. cc The charge in question may remain on your statement. and we We use a method called "daily balance" (including new purchases). To may continue to charge you interest on that amount. But if determine the amount of interest to be charged on your Account we we determine that we made a mistake. you will not have to tint calculate the "Balance Subject to Interest Rate" separately tbr pay the amount in question or any interest or other fees Purchases, for Balance Transfers, and for Cash Advances. We apply the related to that amount. applicable Daily Periodic Rate or the DPR (the DPR for each category is While you do not have to pay the amount in question, you are the applicable APR shown on the front of the statement divided by 36S). responsible for the remainder of your balance. to each of the applicable daily balances for 0 Purchases. ii) Balance ic We can apply any unpaid amount against your credit limit. Transfers, and iii) Cash Advances. 'the daily balances for Purchases, for Your Hoists if you are disoadsfled with your credit card Balance Transfers, and for Cash Advance% are each calculated separately purchases and determined as follows: We take the beginning balances for each II' you are dissatisfied with the goods or services that you have purchased transaction type on your Account each day, including any interest with your credit card and you have tried in good faith to correct the calculated on the previous day's balance. add to the respective balances problem with the merchant, you may have the right not to pay the any not transaction. subtract any payments or credits and make any remaining amount due on the purchase. To use this right all of the other applicable adjustment(s). Your Cardmember Agreement provides following must be true: for compounding of interest. A credit balance is treated as a balance of I. The purchase must have been made in your home state or zero. If you multiply the 'Balance Subject to Interest Rate" for each within 100 miles of your current mailing addrem, and the balance category as shown on your monthly billing statement b' the purchase price must have been more than S50. (Note: Neither number of days in the billing period and then multiply each sum by the of these are necessary if your purchase was based on an applicable DPR, the results will be the interest assessed, except for minor advertisement we mailed to you, or if we own the company variations caused by rounding. that sold you the goods or services.) 2. You must have used your credit card for the purchase. Credit bureau reports and disputes. We may report information Purchases made with Cash Advances from an ATM or with a about your account to credit bureaus. late payments. missed payments, check that accesses your credit card account do not qualify. or other defaults on your account may be reflected in your credit report. 3. You must not yet have fully paid for the purchase. If you believe that an entry we have made on your credit repot is inaccurate or incomplete. please contact the credit bureau directly or If all the criteria above arc met and you are still dissatisfied with the contact us at UBS Rank USA. Card Operations Division, 1000 Ilarbor purchase. contact us In writing at: Boulevard. 8th Floor. Weehawken, NJ 07086. We will request your name; your account mmther, the credit bureau where you received the UBS Bank USA • Disputes Department credit report a description of the error: and why you believe it is an P.O. Box 84040 error. We will promptly investigate. notify you of our findings. and, if Columbus, OA 31908 warranted send an update to the credit bureaus within 30 days. While we investigate, the same rules apply to the disputed amount as referenced above in the section covering errors on your statement. Alter What to do if you think you find an error on your statement we finish our investigation, we will notify you of our decision. At that If you think there is an error on your statement, please write to as at: point. if we think you owe an amount and you do not pay that amount. I 'BS Bank USA • Card Operations Division we may report you as delinquent. 1000 Harbor Boulevard. 8 th Floor Please refer to your Cardmember Agreement for additional information Weehawken. NJ 07086 about the terms of your Account. 02011 UBS Bank USA CONFIDENTIAL UBSTERRAMAR00003555 EFTA00238905  Page Sof 8 Customer Notifications We are pleased to announce enhancements to your UBS Visa Signature credit card. The UBS Visa Signature credit card now comes with new travel discounts, including savings on rental cars and limousine services, plus an expanded UBS Dining program and an all-new online UBS Concierge experience. The new rental car benefits include discounts at Silvercar, Avis® and National Car Rental. Limousine services discounts are available through Groundlink®. With the UBS Concierge you now have access to hundreds of additional restaurants in the UBS Dining Program, plus an expanded selection of luxury hotel properties throughout the world. Best of all, a complete listing of all your UBS Visa Signature credit card services and benefits, plus access to the new UBS Concierge website, can be accessed in our all new UBS online experience at UBS is also making the following changes to the My Choice Rew ants program. Complete program terms and conditions can be viewed and downloaded at 1. You can now redeem points for new travel options such as rental cars, tours and attractions, available when you call the Rewards Center via the number on the back of your card and when you visit the My Choke Hew rods website. 2. The pricing of cruise bookings in points has been simplified. Now every 100 My Choice Rewards points will pay for $1.25 of cruise fare, when you have a sufficient available point balance to cover the entire cost of the cruise fare. For example, 50,000 points will cover $625 worth of cruise fare. To illustrate how this pricing change may impact you, a $1,500 cruise fare was 110,000 points under the previous pricing rules and will cost 120,000 points under the new rules. A $2,500 cruise fare was 210,000 points under the previous pricing rules and will cost only 200,000 points under the new rules. Pricing rules are subject to change. 3. Rules governing the transfer of points between UBS credit card accounts have changed. Points earned in your UBS credit care account may now only be transferred to another UBS credit card account fully or partially owned by you. 4. Rules for point forfeiture have changed in certain cases where your account is involuntarily closed. If you voluntarily dose your card, or UBS Bank USA closes your card due to inactivity, you will continue to be alloweed 60 days to redeem outstanding points for gift cards or merchandise, providing your account is in good standing. In the event UBS Bank USA closes your card for any reason other than inactivity, your points are immediately forfeited. In addition, points are forfeited immediately upon closure of the card due to your death. In such a situation, the points may be reinstated to an open UBS credit card account of your spouse or domestic partner if your spouse or domestic partner requests reinstatement of the points in writing within 90 days of the account closure and the remaining outstanding balance on the closed credit card account has been paid. CONFIDENTIAL UBSTERRAMAR00003556 EFTA00238906  Page 6 of 8 a CONFIDENTIAL UBSTERRAMAR00003557 EFTA00238907  Page 7 of S Notice of Important Ganges to Your Account Terms We are making changes to your UBS credit card account terms and Cardmember Agreement to reflect a change in markct conditions. These changes apply to the UBS Visa Signature credit card, the LIES Preferred Visa Signature credit card, and the UBS Visa Infinite credit card. Important (lunges to Your Account Terms Following is a summary of changes that are being made to your account terms. These changes will take effect on July 27, 2017. The changes to the Annual Percentage Rates (APRs) will impact your account as follows: Transactions made before July 27, 2017: Current APRs will continue to apply to these transactions. Transactions made on or after July 27, 2017: The new APRs described below will apply to these transactions. If you are already being charged a higher Penalty APR for purchases: In this case, the new APRs described below will not go into effect at this time. These new APRs will go into effect when the current Penalty APRno longer applies to your account. You have the right to reject these changes. However, if you do, you will not be able to use your account for new transactions. You can reject the changes by calling us at 1-800-762-1000. Outside the U.S., please call 201-352-5257; we accept all collect calls. Revised Terms as of July 27, 2017 APR Fur Purchases 15.99% This APRwill vary with the market based on the Prime Rate. APR For Balance 1Yansfen 15.99% This APR will vary with the market based on the Prime Rate. APR For Cash 22.99% This APRwill vary with the market based on the Prime Rate. Penalty APR 29.99% This APRm ay be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned This APRwill vary with the market based on the Prime Rate. Maximum APR29.99%. Balance Transfer Transaction Fee Ether SI0 or 3% of the amount of each transfer, whichever is greater (no maximum). Penalty Fees: co Late Payment Up to S38 co (her-the-Credit-line SO ce Returned Payment Up to S38 CONFIDENTIAL UBSTERRAMAR00003558 EFTA00238908  Page 8 of 8 We are replacing the Variable Rate Information below your Account Summary Table effective July 27, 2017 with the following: Variable Rate Information. The standard Annual Percentage Rates (APRs) on your Account that arc used to detennine the amount of interest to be charged for Purchases, Balance Transfers (after the Introductory Period), Cash Advances, and the Penalty APR are variable rates. Introductory APR is available on all Balance Transfers made during the first six billing cycles after account opening. The introductory APR will be applied to each eligible Balance Transfer for the first six billing cycles after the date of the Balance Transfer. The APRs on your Account correspond to Daily Periodic Rates (DPR) and are calculated by multiplying the applicable DPR by 365. The DPRs on your Account equal 1/365th of the sum of I) the applicable Prime Rate, 2) plus 11.99% for Purchases, plus 11.99% for Balance Transfers, plus 18.99% for Cash Advances: and plus up to 25.99% for the Penalty APR (maximum penalty APR 29.99%). The "Prime Rate" used in determining the APRs in each billing cycle will be the highest U.S. Prime Rate published in the Money Rates column of The Wall Street Journal on the last business day of each month. An increase or decrease in the Prime Rate will cause a MN corresponding increase or decrease to your variable rates on the first day of the billing cycle that begins in the same month in which the applicable Prime Rate is published. There is no limitation on the amount of any increase. Any such increase or decrease will cause a corresponding increase or decrease in the amount of interest assessed and possibly in the amount of the Minimum Payment Due. If The Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, we may substitute another index. Your new APRs The new APRs on your account vary with the market based on the Prime Rate. The following rates are accurate as of May 2017. The DPR for Purchases would have been 0.0438% (which corresponds to an APR of 15.99%). The DPR for Balance Transfers would have been 0.0438% (which corresponds to an APR of 15.99%). The DPR for Cash Advances would have been 0.0630% (which corresponds to an APR of 22.99%). The Penalty APR established by the variable rate formula above would have been a DPR of up to 0.0822% (which corresponds to an APR of up to 29.99%). Maximum Penalty APR is 29.99% (daily periodic rate 0.0822%). We are amending your Cardmember Agreement effective July 27, 2017. At that time, we are replacing the sections of your Cardmember Agreement titled "Late payment fee", Returned payment fee" and "Returned check fee" with the following: Late payment fee - If we do not receive a payment from you in at least the amount of your Minimum Payment Due by the Payment Due Date shown on your monthly statement, we may charge you a Late Payment Fee. The Late Payment Fee will be $27, but $38 if you did not make at least the Minimum Payment Due by the Payment Due Date in each of the 6 prior billing periods. However, the Late Payment Fee will never exceed the amount of your required Minimum Payment Duc to which the Late Payment Fee relates. Returned payment fee - If your bank does not honor a check or direct debit you deliver to us, or we must return a check because it is not signed or is otherwise irregular, we may charge you a Returned Payment Fee. The Returned Payment Fee will be $27, but $38 if you had a returned payment in any of the 6 prior billing periods. However, the Returned Payment Fee will never exceed the amount of your most recent required Minimum Payment Due. Returned check fee -If we return a Convenience Check (which includes a Balance Transfer Check or a Cash Advance Check) unpaid because it exceeds your available credit line at the time it is processed, your Account is closed or otherwise does not have charge privileges, you did not comply with our instructions regarding the Check, or your Account is past due, we may charge you a Returned Check Fee. The Returned Check Fee will be $27, but $38 if you had a returned Convenience Check in any of the 6 prior billing periods. However, the Returned Check Fee will never exceed the face amount of the returned Convenience Check. CONFIDENTIAL UBSTERRAMAR00003559 EFTA00238909