EFTA00238914.pdf

SUBS ( Statement Billing Period: Payment Due Date Minimum Payment Due 09/27117 - 10/26/17 November 23, 2017 535.00 UBS Visa Signature credit card statement . repred for GIIISLAita: MAXWELL Page I of 4 Customer News rerun, Card teamber Ending in 9433 Qtastions7 Call 1.803.762-1000 ubs comiarilinesereces Pay Credit Card reminder Do not mail payment. Your Account Summary Activity Summary Minimum Payment Due 435.001 Previous Balance 53800 Statement Balance in the amount of Payment Due Date 11/23/17 Payments 538 00 ' $196.00 is scheduled to be paid on Credit line 535.000 00 Putchac-es 5156 CO, 11/20/17 from your UBS Account. Available Cre6t line 534,804.00 - Other Credits $0.00 Thank you. C ash Cred.t Luc 514.0000D + Cash Advances 40.00 ! Available Cash Line S14,000.00 + Fees $0.00 Shop for your holiday gift-giving Past Due Arrceant 50 00 + interest 50.00 needs and use your My Choice Rewards points online to do it. Find Overlimit Amount 50.00 i Statement Balance 5196.00 I everything from gift cards for fine Payment Information* dining and premium retail to the Statement Balance $196.00 latest in luxury goods or gadgets. Minimum Payment Due $35.00 Book your holiday travel or buy what Payment Due Date 11/23/2017 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 Tate 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.corn/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 ou will pay off the balance And you will end up paying the on this statement in estimated total of ' S4 about_. Only the Minintrn Payment 6 months 5205 If you wend 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 credt 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 Detach here. Please make checks payable to ' UBS Card Services - and include this pestilent coupon in the enclosed envelope. Please altow 7 -10 liminess daps for U.S. Postal Service deliwty If rrndclmerable. rerun, to: UBS BANK USA • CARD SERVICES PO BOX 84040 SUBS Card Number Ending in Minimum Payment Due Statement Balance $196.00 9433 $35.00 COLUMBUS GA 31908-4040 Payment Due Date November 23., 2017 You are enrolled in Automated Pay Credit Card. Sendpayments to: GH1SLAINE MAXWELL UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 112317 7826000014012491 5 0000003500 5 CONFIDENTIAL UBSTERRAMAR00003564 EFTA00238914 Important information about your HIS credit card lost or stolen card. Your credit card is asued by UIS Bank USA If Other payment options. your card is li st or stolen. please contact us immediately at any tine at 1.888.762.1232 for the UM Via Wink credit card or 1-800.762.1000 Online: Wit ubs.convonineseroces to sign up for Pay Credit Card to for the UBS Visa Signature credit card. You will not be Iiible for any pay your amount online. Payments made through Payeredit Card will be credited to your account that same day if requested prior to 4:00 M. unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. h any Eastern time for debits from an «lanai ar,yount and 6:00 M. Eastern case, your liability will not exceed $50. time for debits from a LIS Resource Management Account (RMA)or U1311 Business Senices Account ESA account. Available onolor cadholders Payment Information. Ehch bang cyck, you must payat least the with an RNA or OS Business Services Account B&4. Mininum Payment Due 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 lento 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 Wa Signature credit card. Payments made from an outside account by 5:00 p.m. Eastern time will be credited to your account same you cannot "pay ahead." This means that if you pay more than the requited Mitinum 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 aho credited same day. Applkation of any phone payment to your than one payment it a biing cycle, 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 payabk to 0138 Card Senices. Overnight payments: Send overnight courier senice or USPS Priority Please allow 7 days for the U.S. Postal Service to deliver your Mail payments to ll3S Bank USA - Card Senices, 2975 Regent leukvard. payment to us. Upon our receipt. your available credit may not M. Box 203219. lasing. 'IX 75063. A payment received at this address be increased by the payment amount for up to 7 days to ensure by 5:00 M. Central time that otherwise meets the requiements of a all the funds from the bank on w hkh your payment is drawn 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 information from Automatic repayment of cash advances through your duck to make a one-tine clertronic fund transfer from your CashConnect: The CashConnect feature on your LIS credit card account or to process the payment as a check transaction. When we use account wil automatically repaynew Cash Ashances obtained from information from your check to make an electronic fund transfer. funds AIMS and financial institutions (CashConnect Cash Advances) each maybe withdrawn from your account as soon as the same day we night. with asailable funds from your LIE Resource Management receive your payment. and you wit not recent your check back from Account (RMA)or your ULE anness Services Account BSA (either your financial instanter). For inquiries, please call 1.888.762.1232 for referred to as your LIE Account) When we use your MS Account to the LIE Vita Wilke credit card or 1400-762-1000 for the UBS Visa repay your CashConsect 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 fut Mailed Payments. A confonnirn payment received by us by 500 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: Ills mailed using the enclosed on Cash .Achances on your remaining CashConnect Cash .Advance envelope and payment coupon needed with this statement to VIE link balance until it is repaid in full_ Applicable Aft surcharge fees may USA- Card Senices, Box 203219, Dallis, 'N75320-3210 and 2) is apply. No other account balances are paid through the CashConnect it the form of a single. non-folded check or money order made payable feature. Worn choose not to part icipate in the CashConnect feature. it USdollars from a LS based institution. My payment that does not please contact us at 1-888-762-1232 for the Ll3S Visa Janie credit card meet these requirements or any payment with multiple checks or money or 1-800.762.1000 for the UES Van Signature credit card. el twitchk onfr orders, additional correspondence, staples, paperclips, etc. will be for cardholders with an MIA or Business Sersices Account BSA. considered a "non-conformng payment." which may delay the crediting of the payment for up to 5 days. We can accept hie payments, partial Actmal of Interest and how to avoid paying Interest on payments. checks and money orders marked "Pail it Kt 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 rjhts under thii 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 Balance from your UM Bank USA- Card Senices, Box 203219, Dallas, 'IX previous billing statement by the Payment Due Date on that statement, 75320-3210. then (I ) we wig not impose interest on Purchases during your cumna Continued on back of next page CONFIDENTIAL UBSTERRAMAR00003565 EFTA00238915  Page 3 of 4 My Choice Rewards Points from UBS ASISMD.LSSOMACt Total Points Begnning Points this period 7,012 Points earned this period 196 Bonus points 0 Adjustments 0 Redemptions 0 Endng points balance 7,208 *For more details on your rewards points activity, please visit us online at ubs.ccmtuscards Activity for GHISLAYIE MAXWELL Card ending in 9433 Date Descopton Amount Payments 10.20 PAYMENT THANK YOU -$3803 Total Payments Activity -$38.00 Purchase, 09/29 ANC YNEY NAILS SliN SALONBOSTON MA 440 CO 10/10 ESPA CORP NEW YORK NY 490 00 10/20 LAUREN Y NAILS BOSTON MA $1403 10/25 ANNIE NAIL SALON WASHINGTON OC 552 00 Total Purchases Activity $196.00 2017 Totals Year-to-Date Summary of Fees and Into : Total Fees Charged in 2017 Total Interest Charged in 2017 $0.00 Interest Charge Calculation. 30 Days in Billing Cycle Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES SC CO 16 24,6 v 50 00 BALANCE TRANSFERS SC CO ' 6 24% v 50 00 CASH ADVANCES SO CD 23 24% v SO 00 Total $0.00 Your Annual Percentage Rate I APRI is the annual interest rate on your account Iv. = Variable Rate CONFIDENTIAL UBSTERRAMAR00003566 EFTA00238916  Page 4 of 4 bang period if you pay the Statement Ebbnce on the current biting h your Letter. give us the following information: statement by the Payment Due Date in the current bitng period. and (2) so Account Information: your name and account number we will credit any payment applied toward Purchases as of the fest day in ao Dollar amount: the dollar amount of the suspected error your current biting period if you make a payment by the Payment Due ao Description of problem: if you think there is an error on Date in the current biting period that is less than the Statement Mance. your bit describe what you believe is wrong and why you If a Statement thlance was shown on your previous billing statement and belies k is a mistake. You must contact us within 60 days you did not pay the Statement Ilabnce 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 You must notify us of any potential errors In w riling. 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 billing statement by the Payment [tie Date in the current you may have to pay the amount in question. biting period. For Mance 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. ao The charge in question may remain on your statement, and we How w e w ill calculate your balance subject to interest nate. may continue to charge you interest on that amount. an, if We use a method called "daily balance" (incbding 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 it question or any interest or other fees tint calculate the "Flibnce Subject to Interest Rate" separately for related to that amount. Purchases, for Mance 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). so We can apply any unpaid amount against your credit link. to each of the applicable daily balances for 0 Purchases, ii)Ibbnce Transfers. and ili)Cash Advances. The daffy balances for Purchases. for Your tights if you are dissatisfied with your credit cant Iblance Transfers, and for Cash Advances are each calculated separately purchases and determined as follows: We take the beginning balances for each If you are dissatisfied 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 in 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 applicable 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 Subject to Interest Rite" 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. (Note: 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 resets will 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. Ciedit 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 maybe reflected in your credit report. 3. You must not wt have fully paid for the purchase. If you believe that an entrywe have made on your credit report is If all the criteria above arc met and you arc slit dissatisfied with the inaccurate or incomplete. please contact the credit bureau directlyor purchase, contact us In ri thing at: contact us at U1 USA, Card Operations Division. 315 Dcaderick Street. 5th Floor. Nashville. 1N 37238. We will request your name: your U139 Rink USA- Disputes Department account number, the credit bureau where you received the credit report; P.O. Eta 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 findiigs, 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 fetish our investigation, we will notify you of our decision. At that r 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. Flink USA- Card Operations Digkion 315 Deaderick Street, 5th Floor Please refer to your Cardmember Agreement for additional information Nashville, 'IN 37238 about the terms of your Account. O2011 UBS Bank USA CONFIDENTIAL UBSTERRAMAR00003567 EFTA00238917