EFTA00238910.pdf

SUBS ( Statement Billing Period Payment Due Date Minimum Payment Due 10/27/17 - 11/26/17 December 23, 2017 ) $35.00 UBS Visa Signature credit card statement Prop-rod for GHISLAitit P,'XNWElt Page I of 4 Customer News Pnrnary (zed l':_rinber Ending in Of Questions) call 1-803-762-1030 ubsconVonlineservices Pay Credit Card reminder Do not mail payment your Account Summary Activity Summary Statement Balance in the amount of . 535.00 Previous Balance 4196.00_ $133 00 is scheduled to be paid on .a),,,ent cue :alit 12/23/17 EPayments 4196.00 Purchates 5133 00 12/20/17 from your UBS Account. Ayes aide C resat Lire 53,1.867 CC HOther Credits $0 00 Thank you. 4 .S 00 isiC Cash Advances 50.00 Ava .abe :_asn Line 514.000 00 + Fees $0.00 Shop for your holiday gift-giving r÷ Interest 50,00 needs and use your My Choice O..eginsit Amount 53.00 Statement Balance $133.00 Rewards points online to do it. Find everything from gift cards for fine Payment Information' dining and premium retail to the Statement Balance 5133.00 latest in luxury goods or gadgets. Minimum Payment Due $35.00 Book your holiday travel or buy what Payment Due Date 12/23/2017 you want and redeem for a statement credit. Explore the range 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 $38.00 and your APRs may be increased to the Penalty APR of of options on the rewards web site at 29.99% ubs.com/mycardbenefits. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charges You MI pay off the balance And you will end up paying the using this card and each month shown on this statement in estimated total of. . you pay.. about... Only Inc. Min ['Elvin Payment 4 months 5137 If you would like information about credit counseling services, call 1-800-762-1000. The phone camber 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 crecit card rates, fees and grace periods. 1.800-342-3736 or www.dfsny.gov • Repayment information is based on your account activity and the APRs on your account 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.ccm/onlineservices. Detach here. Ple e checks payable to ' UBS Card Services - and include this payment coupon in the enclosed envelope. Please Slow 7 - 10 business dais for u S. Postal Service delnery i(undehwrable. return to: U85 BANK USA • CARD SERVICES O BOX 84040 SUBS Card Number Ending in Minimum Payment Due Statement Balance $35.00 $133.00 COLUMBUS GA 31908-4040 Payment Due Date December 23, 2017 You are enrolled in Automated Pay Credit Card. Sendpayments /0: GNISLA1NE MAXWELL UBS BANK US4 • CARD SERVICES PO BOX 203219 TEANECK NJ 07666-0308 DALLAS TX 75320-3219 1 CONFIDENTIAL UBSTERFtAMAR00003560 EFTA00238910 Important information about your HIS credit card lost or stolen card. Your credit card is anted by1.116 link USA If Other payment options. your card is last or stolen. please contact us immediately at any tine at Online: Veit ubs.convoninesertres to sign up for Pay Credit Card to 1.888.762.1232 for the UB6 Via Infnite credit card 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 PayCredit Card will be credited to your account that same day if requested prior to 4:00 p.m. unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that ocans before your notice to us. h any Eastern time for debits from an «lanai astount and 6:00 p.m. Eastern case. your liability will not exceed $50. time for debits from a LIS Resource Management Account (RMA)or ( ills nosiness Senices Account ESA account. Available onolorcanlholders Payment Information. Each biting cyck, you must payat least the with an RNA or OS Business ServicesAccount BSA. Minimum Payment Me shown on your monthlystatement by its Pay by Phone: To make a payment by phone, please call Payment Due Date. Both the Minimum Payment Due and Payment Due 1.888.762.1232 for the LIE Visa kali« credit card or 1.800.762.1000 Date are noted on your statement. At anytime you may pay more than the Minimum Payment Due up to the full amount you owe us, however for the OE Abe Signature credit card. Payments made from an outside account by 500 p.m. Eastern time wit be creditd to your account same you cannot "pay ahead." This means that if you pay more than the requited Nfitinum Payment Due in any bilirn cycle or if you make more day. Payments made from your UBS account by 6:00 p.m. Fastem time are also credited same day. Application of any phone payment to your than one payment it a biing cysie, you will still need to pay the next month's required Minimum Payment Due by your next Payment Due credit line maybe delayed for up to 7 days. Date. Remember to make all checks payable to I.138 Card Services. Overnight payments: Send overnight courier service or LISPS Priority Please allow 7 days for the U.S. Postal Service to deliver your Mail payments to UES Ronk USA -Card Services, 2975 Regent Floukvard. payment to us. Upon our receipt. your available credit may not P.O. flax 203219. Bing. IX 75063. A payment received at this address be increased by the payment amount for up to 7 days to ensure all by 5:00 p.m. Central time that otherwise meets the requiements of a the funds from the bank on w hkh your payment is dnrw a are conforming payment will be credited to your account that same day. collected and not returned. When you provide a check as payment on this Account, you authorize us to either use the itfonnation from Automatic repayment of cash advances through your check to make a one-tine electronic fund transfer from your Cash Connect: The CashConnect feature on your UES credit card account or to process the payment as a check transaction. When we use account wit automatically repaynew Cash J4shances obtained from information from your check to make an electronic fund transfer. funds ATMs and fnancial institutions (CashConnect Cash Adsances), each maybe withdrawn from your account as soon as the same day we night. with available funds from your UBS Resource Management receive your payment. and you will not recent your check back from Account (RMA)or your U1$ animas Services Account EISA (either your financial institution. For inquiries, please call 1.888.762.1232 for referred to as your LIE Account). When we use your UE3S Account to the UlIS Visa labile credit card or 1400-762-1000 for the UBS Visa repay your CashConnect Cash Advance transaction in full you will not Signature credit card. incur any interest charges. 'there are insufficient funds in your LiE Account to pay off your CashConnect Cash Advances balance it full Mailed Payments. A conformers payment received by us by 5:00 p.m. then the APR for your Cash Mvances will apply as of the original Central time will be credited to your account the day of resxipt. A transaction date on any remaking balance. You will be charged the APR "conforming payment" is a payment that: Iris mailed using the enclosed on Cash .Advances on your remaining CashConnect Cash .Advance envelope and payment coupon inckeded with this statement to UnS ILhk balance until it is repaid in full Applicable Aft surcharge fees may USA- Card Seniccs, P.O. Ebx 203219, Dallas, 'N75320-3210 and 2) is apply. No other account balances are paid through the CashConnect it the form of a slink. non-folded check or money order made payable feature. If you choose not to participate in the Cos/Connect feature. in US dollars from a US based institution. My payment that does not please contact us at 1-888-762-1232 for the Ll3S Via Inlinie credit card meet these requirements or any payment with multiple checks or money or 1-800.762.1000 for the UES NW Signature credit card. clvottabk on5• orders, additional correspondence, staples, paperclips, etc. will be for cardholders with an MIA or Business Sersices Account BSA. considered a - non-conformirn payment." which may delay the crediting of the payment for up to 5 days. We can accept late payments, partial Accrual of Interest and how to avoid paying Interest on payments. checks and money orders marked "Pail it MI" or language purchases. Your due date is at least 23 days after the dose of each hosing the same effect without losing any of our rights under thit billing cycle. On Purchases, interest begins to accrue as of the Agreement and such payments may be sent to the following address: transaction date. Hot • • • if you paid the Statement Iblance from your UES Bank USA- Card Services, P.O. Box 203219, Dallas, Tx previous billing statement by the Payment Dre Date on that statement, 75320-3210. then (1) w e will not impose interest on Purchases during your curn:ta Continued on back of next page CONFIDENTIAL UBSTERRAMAR00003561 EFTA00238911  Page 3 of 4 My Choice Rewards Points from UBS AmuniSsimauct Total Points Begnning Points this period 7,208 Points earned this period 133 Bonus points 0 Adjustments 0 Redemptions 0 Endng points balance 7,341 *For more details on your rewards points activity, please visit us online at ubs.com/uscards Actsty Ice GHISLANE MAXWELL - Card ending in lin C‘escriptori Amount Pes ts 71/20 PAYMENT THANK. YOU 419603 Total Payments Activity -S198.00 Xns 10/31 PINCKNEY NAILS SKIN SALONBOSTON MA $45.03 11/07 ESPA CORP NEW YORK. NY $7600 11/20 PINCKNEY NAILS SPA SALONBOSTON MA $12.03 Total Punthases Activity $133.00 Total Fees Charged in 2017 $0.00 Total Interest Charged in 2017 S0.00 Interest Charge Calculation 31 Days in Billing Cycle Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES 50.00 16.24%M S0.00 BALANCE TRANSFERS 50.00 16.24%M $0.00 CASH ADVANCES 50.00 23.24% M S0.00 SO.00MI Your Annual Percentage Rate (APR) is the annual interest rate on your axotrit (r). Variable R.it,• CONFIDENTIAL UBSTERRAMAR00003562 EFTA00238912  Page 4 of 4 billing period if you pay the Statement Eblance on the current biting in your titter. gin: us the following nforrnation: statement by the Payment Due Date in the current bring period. and (2) so Account Information: your name and account number we will credit any payment applied toward Purchases as of the fest day it so Dollar amount: the dollar amount of the suspected error your current biting period if you make a payment by the Payment Due se Description of problem: ifIon; think there is an error on Date in the current biting period that is less than the Statement Balance. your bit, describe what you believe is wrong and why you If a Statement Iblance was shown on your previous billing statement and belies as is a mistake. You must contact us within 60 days you did not pay the Statement Ihlance by the Payment Due Due on that after the error appeared on your statement. statement, then we will not impose Interest Charges on any Purchases You must notify us of any potential errors In w kiting. You may callus, during the current biting period if you pay the Statement fillanct shown but if you do we are not required to investigate any potential errors and on the current biting statement by the Payment Due Date in the current you may have to pay the amount in question. biting period. For Balance Transfers. interest wil accrue from the day we While we investigate whether or not there has been an error. send the Ildance Transfer to the payee. For Checks. interest will accrue from the day the payee accepts the check. For Cash Advances, interest so We cannot try to collect the amount in question. or report you will accrue from the day you take the Cash Advance. as delinquent on that amount. so The charge in question may remain on your statement, and we Clow w e w ill calculate your balance subject to interest rote. may continue to charge you interest on that amount. Diet, We use a method called "daffy balance" (including new purchasers). To we determine that we made a mistake, you will not have to determine the amount of interest to be charged on your Account, we pay the amount in question or any interest or other fees tint calculate the "Balance Subject to Interest Rate" separately for related to that amount. Purchases, for Balance Transfers, and for Cash Advances. We applythe so While you do not have to paythe amount in question, you are applicable Daily Periodic Rate or the DPR (the DPR for each category is responsible for the remainder of your balance. the applicable .APR shown on the front of the statement divided by365). ao We can apply any unpaid amount against your credit link. to each of the applicable daily balances for 0 Purchases, ii)lblance Transfers. and ii)Cash Advances. The daffy balances for Purchases, for Your tights if you are dbsatbfled with your credit and Balance Transfers, and for Cash Advances are each calculated separately purchases and determined as follows: We take the beginning balances for each If you are dksatitned with the goods or senices that you have purchased transaction type on your Account each day, including any interest with your credit card and you have tried it good faith to correct the calculated on the previous days balance, add to the respective balances problem with the merchant, you may have the right not to pay the any new transaction, subtract any payments or credits and make any remaining amount due on the purchase. To use this right, all of the other applicabk adjustment(s} Your Cardmember Agreement provides following must be true: for compounding of interest. A credit balance is treated as a balance of 1. The purchase must have been made it your home state or zero. Ifyou multiply the "Eblance Sub.kci to Interest Rate" for each within 100 miles of your current mailing address, and the balance category as shown on your monthly billing statement by the purchase price must have been more than S50. (Mote: Neither number of days in the biting period and then multiplyeach sum by the of these are necessary if your purchase was based on an applicable DPR the resuks wit be the interest assessed. except for minor advertisement we mated 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. Cleat bureau reports and disputes. We may report information Purchases made with Cash Advances from an Am 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 maybe reflected in your credit report. 3. You must not wt have fully paid for the purchase. If you believe that an entry we have made on your credit report is If all the criteria above arc met and you arc slit dissatisfied with the inaccurate or iwomplete, please contact the credit bureau directlyor purchase, contact us In it dung at: contact us at U1 USA, Card Operations Division. 315 Deaderick Street. 5th Floor. Nashville. 11•1 37238. We wit request your name: your U13S Dank USA- Disputes Department account number, the credit bureau where you received the credit report; P.O. Box 84040 a description of the error. and why you believe it is an error. We wit Columbus, OA 31908 promptly insestigate, notify you of our findings, and, if 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. After What to do If you think you find an error on your ttttt meat we finish our investigation, we will notify you of our decision. At that If you think then: /Ian error on your statement, please write to us at: point. if we Oink you owe an amount and you do not pay that amount. we may report you as delinquent. UN Flank USA- Card Operations Dkkion 315 Deaderick Street, 5th Floor Please refer to your Cardmember Agreement for additional information Nadia 'IN 37238 about the terms of your Account. O2011 UBS Bank USA CONFIDENTIAL UBSTERRAMAR00003563 EFTA00238913