EFTA00238926.pdf

SUBS C Statement Wing Period. Payment Due Date Minimum Payment Due 07/27/17 -08/26/17 j September 23. 2017 535.00 UBS Visa Signature credit card statement Frepared foe GM &AWE MAXWE tL Page I of 4 Customer News Primary Cad Nuttier Ending in Ns Questions? Cal ubsccmconlineseneges View your card account activity, download credit card statements and Account Summary Activity Summary more at onlinesetvices Minimum Payment Due 535 00 I PreviousBalance S89.00 Payments $89.00 Purchases S143 34 Asada:: uJit Line S34,856 66 50.00 Pay Credit Card reminder Cash _ 514 C1:0 00 + Cash Advances SO.09j Do not 'nail payment Your Available Cash line 514,000.00 + Fees as lvi a Statement Balance in the amount of Past Due Amount SC cc + Interest $143.34 is scheduled to be paid on Overlimit Amount $0.00 Statement Balance $14334 9/20/17 from your UBS Account. Thank you. Payment Information* Statement Balance $143.34 Minimum Payment Due $35.00 Payment Due Date 09/23/2017 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 $35.00 and your APRs may be increased to the Penalty APR of 28.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and t NA' tiL loo9e- to Day on yew balance For Instance , IM Mai no aOcitional cnarges You will pay off the ualance And you will end up paying the using this card and each month shown on this statement in estimated total of.. yOkl Only the Minimum Payment 5 months S148 If you would like information about credit counseling services, call The phone number for UBS Bank USA is New York residents may contact the New York state department of financial services by telephone a visit its website for free information on comparative credit card rates, fees and grace periods. Nims or WWW.dfs.ny.gov * Repaayyment information is based on your account activity and the APRs on your account as of the dosing date d this statement. Account activity after the dosing date is not reflected. To view your most recent transaction activity online, go to Dead, here. Kexe make checks payable to ' US$ Card Service( and indude this payment coupon in the enclosed envelope. Please allow 7. 10 business days for U.S. Postal Service delivery. Ifuncle krerat*. return to: UBS BANK USA - CARD SERVICES SUBS Card Number Ending in Minimum Payment Due Statement Balance $35.00 $143.34 Payment Due Date September 23, 2917 You are enrolled in Automated Pay Credit Card. Send payments to: GHISLAINE MAXWELL UBS BANK USA - CARD SERVICES CONFIDENTIAL UBSTERRAMAR00003576 EFTA00238926 Important Intonation about your PBS credit card Lost or stolen aid. Your credit card is issued by VHS Bank USA. If Other payment options. your card is lost or stolen. please contact us immediately at any time at Online : Visit &means onhneservrces to sign up for Pay Credit Card to for the UBS Visa Infinite credit card or 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 4:00M. unauthorized use that occurs 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 M. Eastern case, your liability will not exceed $50. time for debits from a PBS Resource Management Account (BAIA) or PBS Business Services Account USA account. Anailable only for cardholders Payment Information. Each billing cycle. you must pay at least the with an RUA or CBS Business Services Attest/It B54. Minimum Payment Due shown on your monthly statement by its Payment Due Date. Both the Minimum Payment Due and Payment Due Pay by Phone: To make a payment by phone. please call for the PBS Visa Infinite credit card or 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 PBS 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 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 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 lrlIS Card Semites. Overnight payments : Send overnight courier service or l'SPS Prionty Please allow 7 days for the U.S Postal Service to deliver your Mail payments to PBS Bank USA • Card Services. 2975 Regent Boulevard. payment to us. Upon our receipt, your available credit may not M. Box 203219. Irving. TX 75063. A payment received at this address he Increased by the pay merit amount for up to 7 days to ensure by 5:00M. Central time that otherwise meets the requirements of a the funds from the bank on which y our payment 6 drawn are conforming payment will be credited to your account that same day. collected and not retunud. hen you provide a check as payment on this Account. you authorize us to either use the information from Automatic repayment Mesh minuim through your check to make a one-time electronic fund transfer from your CashConned : The CashConnect feature on your UBS credit card account or to process the payment as a check transaction. When we use account will automatically repay new Cash Advanca obtained from information from your check to make an electronic fund transfer. funds ATMs and financial institutions ( CashConnect Cash Advances). each may be withdrawn from your account as soon as the same day we night with available funds from your 11135 Resource Management receive your payment. and you will not receive your check back from Account (RMA) or your PBS Bu sinas Services Account BSA (either your financial institution. For inquiries, please call fee referred to as your UBS Account). When we use your UBS Account to the Lim Visa Infinite credit cant or for the PBS Visa repay your CashConnect Cash Advance transaction in full, you will not Signature credit card. incur any interest charges. If there are insufficient funds in your UBS Account to pay off your Casheonnect Cash Advances balance in full. Mailed Payments. A conforming payment received by us by 5:00 M. then the APR for your Cash Advances will apply as of the original Central lime will be credited to your account the day of receipt. A transaction date on any remaining balance. You will be dialled the APR "conforming payment" is a payment that: I) is mailed using the enclosed on Cash Advances on your remaining CashConnect Cash Advance envelope and payment coupon included with this statement to PBS Bank balance until it is repaid in full. Applicabk ATM stuchargc fees may USA - Card Services. M. Box 203219. Dallas. TX 75320-3210 and 2) is apply. No other account balances are paid through the CashConnen in the form of a single. non-folded check or money order made payable feature. If you choose not to participate in the CashConnea feature, in US dollars from a US based institution. Any payment that does not please contact us at for the PBS Visa Infinite credit card meet these requirements or any payment with multiple checks or money or for the PBS Visa Signature credit cant Amiable only orders, additional correspondence. staples. paperclips. etc. will be for cardholders huh an RAM or Business Services Accams considered a "rxinconforming payment." which may delay the crediting attic payment for up to 5 days. We can accept late payments. partial Accrual ofInterest and how to avoid paying Interest on payments. cheeks 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 after 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 PBS Bank USA - Card Services. M. Box 203219. Dallas. TN 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* on Purchases during your current Contnued on back of next page CONFIDENTIAL UBSTERRAMAR00003577 EFTA00238927  Page 3 of 4 My Choice Rewards Points from UBS Account Summary Total Points Beginning Points this period 6.831 Points earned this period 143 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 6,974 •For more details on your rewards points activity, please visit us online at Il .tuscards Acti.* for GHIStAINE MAXWELL • Cadencing in.. Date Ms.:ridden Amount 02.18 PAYMENT THANK. YOU -$O co TotalheitmtMsAdhrity •$$9.00 turchams 07/27 CROSBY'S MARKETPLA MANCHESTER MA $78.23 07/31 PRET A MANGER 0354 BOSTON MA Salt 07/31 PINCKNEY NAILS SKIV SALONBOSTON MA $22.00 08108 HNCKAEY NAILS SKr! SALONBOSTON MA S35.00 TSdalfmcluses Activity $143.34 2017 Totals Year-to-Date Summary of Fees and Interest 0:0 Cho, So 00 Iota Interest Charged in 2017 $0.00 Interest Charge Calculation31 Days in Billing Cycle Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $0.00 14.24% $0.00 BALANCE TRANSFERS 50.00 14.24°,1i $0.00 CASH ADVANCES $0.00 22.99% . 50 co _JO:: Your Annual Percentage Rate APR. is the annual interest rate on your account. (v) = variable Rate CONFIDENTIAL UBSTERRAMAR00003578 EFTA00238928  Page 4 of 4 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 Date in the current billing period. and (2) Account Information: your name and account number we will credit any payment applied toward Puninews at of the first day in ao Dollar amount: the dollar amount of the suspected enor your current billing period if you make a payment by the Payment Due te Description of problem: if you think there is an error on Date in the current billing period that is 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 as of any potential errors In writing . You may call wi, 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. re 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 re While you do not have to pay the amount in question, you arc 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 i) Purchases. ii) Balance re 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 ore 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 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 in your home state or zero. If you muhiply the 'Balance Subject 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. (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 Advancer 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 report is inaccurate or incomplete. please contact the credit bureau directly or If all the criteria above are met and you are still dissatisfied with the contact us at UBS Rank USA, Card Operations Division, 10001larbor purchase. contact us th writing at: Boulevard. 8th Floor. Weehawken. NJ 07086. We will request your name; your account number, the credit bureau where you received the LIIIS Bank USA • Disputes Department credit report a description of the error: and why you believe it is an M. 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. .tiler What to do If you think yen flnd 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. 1135 Bank USA • Card Operations Division we may report you as delinquent. 1000 Harbor Boulevard. 8 th Floor Please refer to you. Cardmember Agreement for additional information Weehawken. NJ 07086 about the terms of your Account. 02011 UBS Bank USA CONFIDENTIAL UBSTERRAMAR00003579 EFTA00238929