EFTA01596615.pdf

SUBS Statement Bitting Period: Payment Due Date Minimum Payment Due 08/27/19 - 09/26/19 October 23,2019 $241.20/ UBS Visa Signature credit card statement Prepared for: GHISLAINE MAxv,!: . Page t of 6 Customer News Primary Card Numht E'ri no vi MIN Questions? Call 1-800-762-1000 ubs.conVonlinesentices New Card Reminder As we recently communicated, you will receive your new UBS Visa Signature Business card in the coming Account Summary Activity Summary weeks. This new card replaces your Minimum Payment Due 4241.20 Previous Balance $1.983.88 existing UBS Visa Signature credit Payment Due Date 10/23/19 - Payments $0.00 card. Activate your new card Credit Line S0.C0 + Purchases SO CO immediately to avoid any disruption Available Credit Line $0.00 - Other Credits $0.00 in service by calling 877-864-6526. Cast. Credit Line S0.C0 + Cash Advances $0.00 You'll earn 5,000 rewards points if Available Cash Line $0.00 + Fees S38.00 you make at least one purchase using Past Due Amount S13329 + Interest $29.31 O3cerlinnt Amount $0.00 Statement Balance 52,051.19 any of the cards on your account by December 31, 2019. Your existing card will be deactivated on December 1, 2019. To learn more about the enhanced I Payment Information* Statement Balance Minimum Payment Due Payment Due Date 42,051.19 $241.20 10/23/2019 Minimum Payment Due includes the fnllnwing: level of features, rewards and benefits of your new UBS Visa Past Due Amount $133.89 Signature Business card, visit ubs.com/uscards. Detach here. Please mace ch pap, e :o ' UBS Card Services' and include this payment coupon in the enclosed enselcpe. Please allow 7 - 10 business days for U.S. Postal Serrce delivery If undeliverable. return to: UBS BANK USA - CARD SERVICES PO BOX 84040 SUBS Card Number Ending in Minimum Payment Due Statement Balance $241 20 $2,051.19 COLUMBUS GA 31908.4040 Payment Due Date October 23, 2019 Amount Enclosed: You can also pay online at ubs.com/onlineservices Sendpayments to: GHISLAINE MAXWELL UBS BANK USA - CARD SERVICES PO 8OX 203219 DALLAS TX 75320-3219 SDNY_GM_00008693 CONF DENIAL 0000024120 2 I EFTA01596615 Important information about your UBS credit card lost or stolen card. Your credit card is issued by UBS Bank USA. If Other payment options. your card is lost or stolen, please contact us immediately at any time at Online: Visit ubscornionlineservices to sign up for Pay Credit Card to 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762.1000 pay your account online. Payments made through Pay Credit Card will for the UBS Visa Signature credit card. You will not be liable for any 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 Eastern time for debits from an external account and 6:00 p.m. Eastern liable for unauthorized use that occurs before your notice to us. In any time for debits from a UBS Resource Management Account (RMA) or UBS case, your liability will not exceed $50. Business Services Account BSA account. Available only for cardholders with art BMA or UBS Business Services Account BSA Pawned Infonnellon. Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Pay by Phene:To make a payment by phone, please call 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800-762-1000 2 Due Date. Both the Minimum Payment Due and Payment Due Date are for the UBS Visa Signature credit card. Payments made from an outside 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 you account by 5:00 p.m. Eastern time will be credited to your account same 8 day. Payments made from your UBS account by 6:00 p.m. Eastern time cannot "pay ahead.' This means that if you pay more than the required Minimum Payment Due in any billing cycle or if you make more than one are also credited same day. Application of any phone payment to your payment in a billing cycle, you will still need to pay the next month's credit line may be delayed for up to 7 days. required Minimum Payment Due by your next Payment Due Date. 0 ••k tr-k 1 F r •k CBS Card Services. Please Overnight pepsin!,: Send overnight courier service or USPS Priority Mail payments to UBS Bank USA - Card Services, 2975 Regent Boulevard, 8 allow 7 clays for the U.S. Postal Service to deliver your payment to us. Upon our receipt, your available credit may P.O. Box 203219, Irving, TX 75063. A payment received at this address by 5:00 p.m. Central time that otherwise meets the requirements of a a not be increased by the payment amount for up to 7 days to conforming payment will be credited to your account that same day. ensure the funds from the bank on which your payment is drawn are collected and not returned. Wnen you provide a check Automatic repayment of cash misses through as payment on this Account, you authorize us to either use the CasbConsioct : The CashConnect feature on your UBS credit card information from your check to make a one-time electronic fund transfer account will automatically repay new Cash Advances obtained from from your account or to process the payment as a check transaction. ATMs and financial institutions (CashConnect Cash Advances), each When we use information from your check to make an electronic fund night, with available funds from your UBS Resource Management transfer, funds may be withdrawn from your account as soon as the Account (RMA) or your UBS Business Services Account BSA (either same day we receive your payment, and you will not receive your check referred to as your UBS Account). When we use your UBS Account to back from your financial institution. For inquiries, please call repay your CashConnect Cash Advance transaction in full, you will not 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762.1000 incur any interest charges. If there are insufficient funds in your UBS for the UBS Visa Signature credit card. Account to pay off your CashConnett Cash Advances balance in full, then the APR for your Cash Advances will apply as of the original Malted Payments. A conforming payment received by us by 5:00 p.m. transaction date on any remaining balance. You will be charged the APR Central time will be credited to your account the day of receipt. A on Cash Advances on your remaining CashConnect Cash Advance 'conforming payment' is a payment that: 1) is mailed using the enclosed balance until it is repaid in full. Applicable ATM surcharge fees may envelope and payment coupon included with this statement to UBS Bank apply. No other account balances are paid through the CashConnect USA - Card Services, P.O. Box 203219, Dallas, TX 75320-3210 and 2) is in feature. If you choose not to participate in the CashConnect feature, the form of a single, non-folded check or money order made payable in please contact us at 1.888.762.1232 for the UBS Visa Infinite credit card US dollars from a US based institution. Any payment that does not meet or I -800-762-1000 for the UBS Visa Signature credit card. Available only these requirements or any payment with multiple checks or money for cardholders with art RMA or Business Services Account BSA. orders, additional correspondence, staples, paperclips, etc. will be considered a • non-conforming payment," which may delay the crediting Accrual of Interest ad bow to avoid paying Interest on of the payment for up to 5 days. We can accept late payments, partial purchases. Your due date is at least 23 days after the close of each payments, checks and money orders marked 'Paid in Full' or language billing cycle. On Purchases, interest begins to accrue as of the having the same effect without losing any of our rights under this transaction date. However, if you paid the Statement Balance from your Agreement and such payments may be sent to the following address: previous billing statement by the Payment Due Date on that statement, UBS Bank USA - Card Services, P.O. Box 203219, Dallas, TX, 75320-3210. then (I ) we will not impose interest on Purchases during your current billing period if you pay the Statement Balance on the current billing Continued on back of next page SDNY_GM_00008694 CONFIDENTIAL EFTA01596616  Page 3 of 6 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 29.99%. 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 I If you make no additional charges using this card and each month You will pay off the balance shown on this statement in And you will end up paying the 7 estimated total of... you pay... about... Only the Minimum Payment 6 yea's $2,977 If you would like information about credit counseling services, call 1-800-762-1000. Notice of Changes to Your Interest Rate We have not received your minimum payment within 60 days of the due date and therefore will apply a new interest rate to your account, as outlined in your Cardmember agreement. The new Penalty APR is 29.99% and will become effective on November 15, 2019 . The Penalty APR will apply to all existing balances and new transactions on your account. If you make six consecutive minimum payments starting with your fast payment due after November 15, 2019 your rate for transactions made before October 10, 2019 will return to the Standard APR. tf you do not make these six consecutive minimum payments, we may keep the Penalty APR on your account indefinitely. 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 viww.dh.ny.gov * Repayment information is based on your account activity and the APRs on your account as of the closing 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. M Choice Rewards Points from UBS Account Summary Total Points Beginning Points this period 100.61 Points earned this period Bonus points Adjustments Redemptions Ending points balance *For more details on your rewards points activity, please visit us online at ubs.comfuscards No Transaction Activity At This lime Summary of Fees Date Description Amount 09/23 LATE PAYMENT FEE $38.00 Total Fees for this period Summary of Interest Charged Date Description Amount 09/26 MEREST CHARGE-PURCHASES $29.31 Total Merest forth6 period WWI 2019 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2019 $65.00 Total Interest Charged in 2019 $58.20 SDNY_GM_00008695 CONFIDENTIAL EFTA01596617  Page 4 of 6 statement by the Payment Due Date in the current billing period, and (2) • Memelidennellese your name and account number we will credit any payment applied toward Purchases as of the first day in • Deer eaboutt the dollar amount of the suspected error your current billing period if you make a payment by the Payment Due • Denied= apelike= if you think there is an error on your Date in the current billing period that is less than the Statement Balance. bill, describe what you believe is wrong and why you believe it If a Statement Balance was shown on your previous billing statement and is a mistake. You must contact us within 60 days after the you did not pay the Statement Balance by the Payment Due Date on that 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 us of any potential errors le tales You may call us, on the current billing statement by the Payment Due Date in the current but if you do we are 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. 2 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 S will accrue from the day you take the Cash Advance. • We cannot try to collect the amount in question, or report you as delinquent on that amount. 8 New a s coital,enlace =Idea le latest Me We use a • The charge in question may remain on your statement, and we method called 'daily balance' (including new purchases). To determine may continue to charge you interest on that amount. But, if the amount of interest to be charged on your Account, we first calculate we determine that we made a mistake, you will not have to the 'Balance Subject to Interest Rate" separately for Purchases, for pay the amount in question or any interest or other fees Balance Transfers, and for Cash Advances. We apply the applicable Daily related to that amount. Periodic Rate or the DPR (the DPR for each category is the applicable APR • While you do not have to pay the amount in question, you are shown on the front of the statement divided by 365), to each of the responsible for the remainder of your balance. applicable daily balances for i) Purchases, h) Balance Transfers, and iii) • We can apply any unpaid amount against your credit limit. Cash Advances. The daily balances for Purchases, for Balance Transfers, and for Cash Advances are each calculated separately and determined as Veers...aver asselbeed SS per aunt ad pude follows: We take the beginning balances for each transaction type on If you are dissatisfied with the goods or services that you have purchased your Account each day, including any interest calculated on the previous with your credit card and you have tried in good faith to correct the day's balance, add to the respective balances any new transaction, problem with the merchant, you may have the right not to pay the subtract any payments or credits and make any other applicable remaining amount due on the purchase. To use this right, all of the adjustment(s). Your Cardmember Agreement provides for compounding following must be true: of interest. A credit balance is treated as a balance of zero. If you 1. The purchase must have been made in your home state or multiply the 'Balance Subject to Interest Rate' for each balance category within 100 miles of your current mailing address, and the as shown on your monthly billing statement by the number of days in the purchase price must have been more than $50. (Note: Neither billing period and then multiply each sum by the applicable DPR, the of these are necessary if your purchase was based on an results will be the interest assessed, except for minor variations caused by advertisement we mailed to you, or if we own the company rounding. that sold you the goods or services.) Cleat eau ..,.at.sad anise We may report information about 2. You must have used your credit card for the purchase. your account to credit bureaus. Late payments, missed payments, or Purchases made with Cash Advances from an ATM or with a other defaults on your account may be reflected in your credit report. If check that accesses your credit card account do not qualify. you believe that an entry we have made on your credit report is 3. You must not yet have fully paid for the purchase. inaccurate or incomplete, please contact the credit bureau directly or contact us at UBS Bank USA, Card Operations Division, 315 Deaderick If all the criteria above are met and you are still dissatisfied with the Street, 5th Floor, Nashville, TN 37238. We will request your name; your purchase, contact us le wen* at: account number; the credit bureau where you received the credit report; UBS Bank USA - Disputes Department a description of the error; and why you believe it is an error. We will P.O. Box 84040 promptly investigate, notify you of our findings, and, if warranted, send Columbus, GA 31908 an update to the credit bureaus within 30 days. While we investigate, the same rules apply to the disputed amount as • le dm Wpm Molt you fed am war es Der slelesnot referenced above in the section covering errors on your statement. After If you think there is an error on your statement, please write to us at: we finish our investigation, we will notify you of our decision. At that point, if we think you owe an amount and you do not pay that amount, UBS Bank USA • Card Operations Division we may report you as delinquent. 315 Deaderick Street, 5th Floor Nashville, TN 37238 Please refer to your Cardmember Agreement for additional information about the terms of your Account. In your letter, give us the following information: 02011 UBS Bank USA SDNY_GM_00008696 CONFIDENTIAL EFTA01596618  Page Sof 6 Interest Charge Calculation -31 Days in Bulling Cycle Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES 52,002.90 17.24% N1 529.31 BALANCE TRANSFERS 50.00 17.24% N1 $0.00 CASH ADVANCES $0.00 24.24% N1 $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate SDNY_GM_00008697 CONFIDENTIAL EFTA01596619 CONFIDENTIAL so"GM0000- EFTA01596620  SUBS Statement BEng Period 07/27/19 - 08/26/1 Payment Due Date Minimum Payment Due —9\ September 23, 2019 5133.1,2 UBS Visa Signature credit card statement Prepared for: GHISLAINE MAXWELL Page 1 of 4 Customer News Primary Card Number Irking in:= Questions? Call 1-800-762-1000 ubs.conVonlinesentices Account is 30 days past due Your minimum payment is 30 days past due. If your account becomes more than 60 days past due, the Account Summary Activity Summary Penalty APR may be applied to your Minimum Payment Due $133.89 Previous Balance 51,927.99 account. Please make your payment Payment Due Date 09/23/19 Credit Line $0.00 + Purchases SO Ca today. If you have already sent your Available Credit Line $0.00 - Other Credits $0.00 payment, please disregard this Cash Credit Line $0.00 + Cash Advances $0.00 message. Available Cash Line $0.00 + Fees $27.00 Past Due Amount $39.00 + Interest $28.89 ithalMit Amount $0.00 Statement Balance 51,983.88 Payment Information* Statement Balance 51,983 88 Minimum Payment Due $133.89 Payment Due Date 09232019 ltimmum Payment Due includes the following; Past Due Amount $39.00 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 538.00 and your APRs may be increased to the Penalty APR of 29.99%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more n interest and it will take you longer to pay off your balance. For Instance If you make no additional charges You will 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 the Minimum Payment i 6 years 52,954 It you would like information about credit counseling services, call l-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.ny.gov Repayment information is based on your account activity and the APRs on your account as of the closing date of this statement. Account activity after the closing date is not reflected. To view your most recent transaction activity online, go to ubs.conVonlineservices. Detach here. Please make checks payable to • UE15 Card Servkes' and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U.S. Postal Smoke delivery. If undeliverable, return to: UBS BANK USA • CARD SERVICES PO BOX 84040 UBS Card Number Ending in Minimum Payment Due Statement Balance $133.89 SI 983 88 COLUMBUS GA 31908.4040 Payment Due Date September 23, 2019 Amount Enclosed: S You can also pay online at ubs.conVonlineservices Sendpayments to: GHISLAINE MAXWELL UBS BANK USA • CARD SERVICES PO BOX 203219 DALLAS TX 75320.3219 SDNY_GN1_00008699 CONFIDENIAL 0000013329 2 EFTA01596621 Important information about your UBS credit card lost or stolen card. Your credit card is issued by UBS Bank USA. If Other payment options. your card is lost or stolen, please contact us immediately at any time at Online: Visit ubscornionlineservices to sign up for Pay Credit Card to 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762.1000 pay your account online. Payments made through Pay Credit Card will for the UBS Visa Signature credit card. You will not be liable for any 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 Eastern time for debits from an external account and 6:00 p.m. Eastern liable for unauthorized use that occurs before your notice to us. In any time for debits from a UBS Resource Management Account (RMA) or UBS case, your liability will not exceed $50. Business Services Account BSA account. Available only for cardholders with art RMA or UBS Business Services Account BSA. Payment InfornIlon. Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Pay by Phene:To make a payment by phone, please call 00030303 • 031501. 0301. 0002 • 23 Due Date. Both the Minimum Payment Due and Payment Due Date are 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800-762-1000 for the UBS Visa Signature credit card. Payments made from an outside noted on your statement. At any time you may pay more than the account by 5:00 p.m. Eastern time will be credited to your account same Minimum Payment Due up to the full amount you owe us, however you day. Payments made from your UBS account by 6:00 p.m. Eastern time cannot 'pay ahead.' This means that if you pay more than the required Minimum Payment Due in any billing cycle or if you make more than one are also credited same day. Application of any phone payment to your payment in a billing cycle, you will still need to pay the next month's credit line may be delayed for up to 7 days. required Minimum Payment Due by your next Payment Due Date. 40 .• tr- kr •k t !Pk Cavi Services. Please Overnight pelmet: Send overnight courier service or USPS Priority allow 7 clays for the U.S. Postal Service to deliver your Mail payments to UBS Bank USA - Card Services, 2975 Regent Boulevard, payment to us. Upon our receipt, your available credit may P.O. Box 203219, Irving, TX 75063. A payment received at this address not be increased by the payment amount for up to 7 days to 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. ensure the funds from the bank on which your payment is drawn an collected and not returned. Wnen you provide a check Automatic repownent of cash advance. through as payment on this Account, you authorize us to either use the Lambast : The CashConnect feature on your UBS credit card information from your check to make a one-time electronic fund transfer account will automatically repay new Cash Advances obtained from from your account or to process the payment as a check transaction. ATMs and financial institutions (CashConnect Cash Advances), each When we use information from your check to make an electronic fund night, with available funds from your UBS Resource Management transfer, funds may be withdrawn from your account as soon as the Account (RMA) or your UBS Business Services Account BSA (either same day we receive your payment, and you will not receive your check referred to as your UBS Account). When we use your UBS Account to back from your financial institution. For inquiries, please call repay your Cashannect Cash Advance transaction in full, you will not 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762-1000 incur any interest charges. If there are insufficient funds in your UBS for the UBS Visa Signature credit card. Account to pay off your CashConnett Cash Advances balance in full, then the APR for your Cash Advances will apply as of the original Mailed Payments. A conforming payment received by us by 5:00 p.m. transaction date on any remaining balance. You will be charged the APR Central time will be credited to your account the day of receipt. A on Cash Advances on your remaining Cashannect Cash Advance 'conforming payment' is a payment that: 1) is mailed using the enclosed balance until it is repaid in full. Applicable ATM surcharge fees may envelope and payment coupon included with this statement to UBS Bank apply. No other account balances are paid through the CashConnect USA - Card Services, P.O. Box 203219, Dallas, TX 75320-3210 and 2) is in feature. If you choose not to participate in the CashConnect feature, the form of a single, non-folded check or money order made payable in please contact us at 1.888.762.1232 for the UBS Visa Infinite credit card US dollars from a US based institution. Any payment that does not meet or 1.800.762.1000 for the UBS Visa Signature credit card. Available only these requirements or any payment with multiple checks or money for cardholders with art RMA or Business Services Account BSA. orders, additional correspondence, staples, paperclips, etc. will be considered a • non-conforming payment," which may delay the crediting Accrual of Interest ad bow to avoid paying Merest en of the payment for up to 5 days. We can accept late payments, partial purchases. Your due date is at least 23 days after the close of each payments, checks and money orders marked 'Paid in Full' or language billing cycle. On Purchases, interest begins to accrue as of the having the same effect without losing any of our rights under this transaction date. However, if you paid the Statement Balance from your Agreement and such payments may be sent to the following address: previous billing statement by the Payment Due Date on that statement, UBS Bank USA - Card Services, P.O. Box 203219, Dallas, TX, 75320-3210. then (I ) we will not impose interest on Purchases during your current billing period if you pay the Statement Balance on the current billing Continued on back of next page SDNY_GM_00008700 CONFIDENTIAL EFTA01596622  Page 3 of 4 My Choice Rewards Points from UBS Account Summary Total Points Beginning Points this period 100,610 Points earned this period 0 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 100,610 •For more details on your rewards points activity, please visit us online at ubs.comfuscards No Transaction Activity At This Tyne Summary of Fees Date Description Amount 08/23 ._ATE PAYMENT FEE $27.00 Total Fees for this period Summary of Interest Charged Date Description Amount 0£v26 NTEREST CHARGE-PURCHASES $28.89 Total Werra for this Plarlotila IliW O19 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2019 $27.00 Total Interest Charged in 2019 $28.89 Interest Charge Calculation - 31 Days in Billing Cycle Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $1,945.39 17.49% 00 528.89 BALANCE TRANSFERS 40.00 17.49% 00 $0.00 CASH ADVANCES 40.00 24.49% 00 $0.00 428.89 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate SDNY_GM_00008701 CONFIDENTIAL EFTA01596623  Page 4 of 4 statement by the Payment Due Date in the current billing period, and (2) • Memelidennellese your name and account number we will credit any