EFTA00239020.pdf

SUBS ( Statement lbling Pence Payntem Due Date Minimum Payment Due 09/21/16 - 1026/16 November 23. 2016 ) $35.00 UBS Visa Signature® credit card statement • NI:wed CIIS_A MAAAEll Pape 1 of 4 Customer News Card Number Ending in 6592 Questions? Call 1-800-162-1000 ubs.conVonlineservices Pay Credit Card reminder Account Summary Activity Summary Du .10: mail payment. Your Minimum Payment Due S35 00 Pres.ous Balance 1753.96 Statement Balance in the amount ayment Due Date 11/23/16 - Payments 8726.77 is scheduled to be paid Credit sine 535.000 00 ▪ Purchase; 5726.77 11/18/16 from your UBS Account vailable Credit tine 534,273.23 - Other Credits S0.00 ; Thank you. Cash Credo Line 514,000 00 4- Cash Advances S0.00 vailable Oash Line 514,090.00 + Fees MOO Past Due Amount SC 02 + Interest $0.00 verlimit ArnOunt $0.00 Statement Balance $726.77 Payment Information* Statement Balance S726.77 Minimum Payment Due S35.00 Payment Due Date 11/23/2016 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 27.49% Minimum Payment Warning: If you make only the minimum payment each period, you will pay more n interest and t a. • 1. c nu longer to pay of' sow blsnce For Instance Ikte it make no adOtonal cnarges i You will pay off the balance And you will end up paying the wing this card and each month I shown on this statement in estimated total of.. Only the Minimum Payment 2 years $832 If you would like information about credit counseling services, call 1.800.762.1000. The phone number for UBS Bank USA is 1-800-762-1030. 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 dosing date d this statement. Account activity after the dosing date is not reflected. To view your most recent transaction activity online, go to ubs.ccm/ontineservices. Detxh here Please make checks payabe to • UBS Card Services' and include this payment coupon in the enclosed envelope. Please allow 7. 10 business days for U.S. Postal Semce delete). U85 BANK USA - CARD SERVICES FO BOX 84040 SUBS Card Number Ending in Minimum Payment Due Statement Balance 6592 $35.00 $726.77 COLUMBUS GA 31908-4040 Payment Due Date November 23, 2016 You are enrolled in Automated Pay Credit Card. Send payments to: GH1SLAINE MAXWELL UBS BANK UM - CARD SERVICES FO BOX 308 PO BOX 103179 TEANECK Mt 07666-0308 DALLAS DC 75310-3179 112316 7826000014012670 2 0000003500 2 CONFIDENTIAL UBSTERRAMAR00003672 EFTA00239020 Important information tat or stolen card: Your credit card is issued by UBS Bank VSA. If pay your account online. Payments made on our website by 6:001. your card is lost or stolen, please contact us immediately at Eastern time will be credited to your account that same day. Available 1-800-762-1000 at any time. You will not be liable for any onlyfor cardholders with a UBSResource Management Account a unauthorized use that occurs after you notify us. You may, however, be (RitA®) or UPS Business Services Account ESA *. liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed 550. Pay by phone : To make a payment by phone please call 1-800-762-1000. An expedited payment made by phone by 5:00 M. Payment information: Each biting cycle, you must pay at least the Eastern time will be credited to your account that same day, and Minimum Payment Due shown on your monthly statement by its reflected in your credit line by the next day. You can also make a Payment Due Date. Both the Minimum Payment Due and Payment Due phone payment from your UBS account as late as 6:00 M. Eastern Date are noted on your statement. At any time you may pay more than time. This payment SI be credited as of that same day, but application the Minimum Payment Due up to the full amount you owe us, however to your credit line may be delayed. you 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 Overnight payments : Send overnight courier service or USPS Priority than one payment in a billing cycle, you will still need to pay the next Mail payments to UBS Bank USA—Card Services, 2975 Regent month's required Minimum Payment Due by your next Payment Due Boulevard, M. Box 203219, Irving, TX 75063. A payment received at Date. Remember to make all checks payable to Card Services. Please this address by 5:00 M. Central time that otherwise meets the allow 7 days for the U.S. Postal Senict to deliver your payment requirements of a conforming payment will be credited to your account to as. Upon our receipt, your available credit may no( be Increased by the payment amount for up to 7 days to ensure the fund% from the hank on w hit* your payment Ls drawn are collected and not returned. When you provide a check as payment that same day. Automatic repayment of cash advances through Cardleonnect: The CashConnect feature on your L185 credit card account will I on this Account, you authorize us to either use the information from automatically repay new Cash Advances obtained from ATMs and your check to make a one-time electronic fund transfer from your financial institutions (CashConnect Cash Advances), each night, with account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, available funds from your UBS Resource Management Account t funds may be withdrawn from your account as soon as the same day (RMA2) or your UBS Business Services Account BSAt (either referred to we receive your payment, and you will not receive your check back as your UBS Account). You will incur no interest charges on from your financial institution. For inquiries please call 1-800-762.1000. CashConnect Cash Advances, as long as there are sufficient available funds in your L1B5 Account to repay your CashConnect Cash Advance Mailed payments: A conforming payment received by us by 5:00 transaction in full when we first seek payment from your UBS Amount. M. Central time will be credited to your account the day of receipt. A if sufficient available funds are not available in your UBS Account to pay 'conforming payment' as payment that: 1) is maled using the off your CashConnect Cash Advances balance in full, then the APR for enclosed envelope and payment coupon included with this statement to Cash Advances will apply as of the original transaction date on any UBS Bank USA—Card Services, Box 203219, Dallas, TX 75320.3210 remaining balance. You will be charged the APR on Cash Advances on and 2) is in the form of a single, non-folded check or money order made your remaining CashConnect Cash Advance balance until it is repaid in payable in US dollars from a US based institution. Any payment that (SI. Applicable ATM surcharge fees may apply. No other account does not meet these requirements, or any payment with multiple checks balances are paid through the CashConnect feature. If you choose riot or money orders, additional correspondence, staples, paperdips. etc. to participate in the CashConnect feature, Please contact U05 at will be considered a 'non-conforming payment' which may delay the 1.800-762-1000. Available onlyfor cardholders with a UBSResource crediting of the payment for up to 5 days. We can accept late Management Account or UPS Business Services Acoauto BSA. payments, partial payments, checks and money orders marked 'Paid in Full' or language having the sane effect without losing any of our Accrual of interest and how to avoid paying interest on rights under this Agreement, and such payments may be sent to the purchases . following address U8S Bank USA—Card Services, Box 203219, Your due date is at least 23 days after the close of each billing cycle. On Dallas, TX 75320-3210. Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance that was shown on your Other payment options: previous billing statement by the Payment Due Date on that statement, Online: Visit to sign up for Pay Credit Card to then (1) we will not impose interest on Purchases during your current Continued on back of next page CONFIDENTIAL UBSTERRAMAR00003673 EFTA00239021  Page 3 of 4 My Choke Rewards Points from UEtS Account Summary Total Points Beginning Points this period 52.390 Points earned this period 727 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 53,117 • For more details on your rewards points activity, please visit us online at Acuvity for Cl' SLAINE MAMA ELL Ca-dendng in 6592 Dee Description Amount Pasmaoh imia PAYMENT THANK YOU -$753.96 Tetalhowenestmtv 4753.96 Purchases 10433 Amato, web *races am amazon coWA 5137 08 630/1 TMOBILE•AUTO PAY 830-9374997 WA 5184.69 1004 CLOW/FLARE 650.3198939 CA 520 00 10.09 MALCHimP MAILCHIA S375.00 10/19 BUFFER 415-539-0176 CA 51000 Total Purchases ACMty 5726.77 2016 Totals Year-to-Date Summary of Fees and Interest 'rota Fees Charged in 2016 $0.00 Total Interest Charged in 2016 SO 00 Interest Charge Calculation30 Days in Billing Cycle Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $0 .00 13.49% !if) S0.00 BALANCE TRANSFERS SO AO 1349% v $0.00 CASH ADVANCES SO 00 22 24% v $O 00 Total $0.00 yaw Annual Percentage Rate APR is the annual your account v = Vatiable Rate CONFIDENTIAL UBSTERRAMAR00003674 EFTA00239022  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 by the Payment Due Date in the current billing period, and • Account Information: Your name and account number. 12) we will credit any payment applied toward Purchases as of the first • Dollar amount: The dollar amount of the suspected error. day in your current billing period if you make a payment by the Payment • Description of problem: If you think there is an error on your Due Date in the current billing period that is less than the Statement bill, describe what you believe is wrong and why you believe it is a Balance. If a Statement Balance was shown on your previous billing mistake. You must contact us within 60 days after the error appeared statement and you did not pay the Statement Balance by the Payment on your statement. Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the You must notify us of any potential errors binning . You may call us, Statement Balance shown on the current billing statement by the but if you do we are not required to investigate any potential errors and Payment Due Date in the current billing period. For Balance Transfers, you may have to pay the amount in question. interest will accrue from the day we send the Balance Transfer to the While we investigate whether or not there has been an error, the payee. For Checks, interest will accrue from the day the payee accepts following are true: the check. For Cash Advances, interest will accrue from the day you • We cannot try to collect the amount in question, or report you as take the Cash Advance. delinquent on that amount. • The charge in question may remain on your statement, and we How we will calculate your balance subject to Interest rate. may continue to charge you interest on that amount. But, if we We use a method called 'daily balance' linduding new purchases). To determine that we made a mistake, you will not have to pay the determine the amount of the interest to be charged on your Account amount in question or any interest or other fees related to that we first calculate the 'Balance Subject to Interest Rate separately for amount. Purchases, for Balance Transfers, and for Cash Advances We apply the • While you do not have to pay the amount in question, you are applicable Daily Periodic Rate the OPR);the OPR for each category is responsible for the remainder of your balance. the applicable APR shown on the front of the statement divided by • We can apply any unpaid amount against your credit limit. 365), to each of the applicable daily balances for i; Purchases, ii) Balance Transfers and iii) Cash Advances. The daily balances for Your rights If you are dbeartisfled with your credit card Purchases, for Balance Transfers and for Cash Advances are each purchases calculated separately and determined as follows: We take the beginning If you are dissatisfied with the goods or services that you have balances for each transaction type on your Account each day, inducing purchased with your credit card, and you have tried in good faith to any interest calculated on the previous days balance, add to the correct the problem with the merchant, you may have the right not to respective balances any new transaction, subtract any payments or pay the remaining amount due on the purchase. To use this right, all of credits and make any other applicable adjustments). Your Cardmember the following must be true: Agreement provides for compounding of interest. A credit balance is 1. The purchase must have been made in your home state Of within treated as a balance of zero. If you multiply the • Balance Subject to 100 miles of your current mailing address, and the purchase price Interest Rate for each balance category as shown on your monthly must have been more than 550. :Note: Neither of these are billing statement by the number of days in the billing period and then necessary if your purchase was based on an advertisement we multiply each sum by the applicable DPR, the results will be the interest mailed to you, or if we own the company that sold you the goods assessed, except for minor variations caused by rounding. or services.) 2. You must have used your credit card for the purchase. Purchases Credit bureau report and dLspute: We may report information made with cash advances from an ATM or with a check that about your account to credit bureaus. Late payments, missed accesses your credit card account do not qualify. payments, or other defaults on your account may be reflected in your 3. You must not yet have fully paid for the purchase. credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau if all of the criteria above are met and you are still dissatisfied with the directly or contact us at UBS Bank USA, Card Operations Division, 1000 purchase, contact us In writing at: Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request UBS Bank USA—Disputes Department your name; your account number; the credit bureau where you received •. Box 84040 the credit report; a description of the error; and why you believe it is an Columbus, GA 31908 error. We will promptly investigate, notify you of our findings, and send While we investigate, the same rules apply to the disputed amount as an update to the credit bureaus if warranted within 30 days. discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not What to do If you think you find a mbaake on your statement pay, we may report you as delinquent. If you think there is an error on your statement write to us at. UBS Bank USA—Card Operations Division Please refer to your Cardmember Agreement for additional information 1000 Harbor Boulevard, 8th Floor about the terms of your Account. Weehawken, NJ 07086 02011 UBS Bank USA CONFIDENTIAL UBSTERRAMAR00003675 EFTA00239023