EFTA00238898.pdf

SUBS ( Statement Billing Period: Payment Due Date Minimum Payment Due 02/27/17.0326/117 April 23. 2017 S35.00 UBS Visa Signature® credit card statement ,iciared 'V '1,41",_ANE MAAAELL Pape 1 of 4 Customer News rumary Card Number Ending in Questions? Call 1-900-762-1000 ubs ccinvonmeservices Pay Credit Card reminder Account Summary Activity Summary Do not mail payrnent. Your ,. Minimum Payment Due 535 00 Prev.ous Balance $236.40 Statement Balance in the amoun ayment Due Date 04/23/17.1 - Payments • $300.00 is scheduled to be paid on Credit Line 535.000 00 Purchmes S300.00 4/20/17 from your UBS Account available Credit Line S34,70Y0-01 • Other Credits $0.00 Thank you. Cash Credt Line 514,000 00 + Cash Advances 40.001 vailable Cash Line 414,000.00_1 + Fees $0.00 Shop for your gift-giving needs, a Past Due Amount 50 CO + Interest $0.00 use your points to do it, on the Aly; verlirnit Amount 50.00 I Statement Balance $300.00 Choice Rewards website. Find gift cards for fine dining and premium.'. Payment Information* retail, browse the latest in trendy Statement Balance $300.00 goods and gadgets, book your Minimum Payment Due $35.00 summer travel or redeem for a Payment Due Date 04/23/2017 statement credit at tate Payment Warning: If we do not receive your minimum payment by the date listed above, you ubs.corrtronlineservices.i may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of 27.74% 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 W m additional charges I . using this card and each month i You will pay off the balance shown on this statement in And you will end up paying the estimated ..., . .. .of,.., total Only the Minimum Payment 10 months $317 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 of this statement. Account activity after the dosing date is not reflected. To view your most recent transaction activity online, go to ubs.ccoVonlineservices. Peach here. Plexe make checks payabe to • UBS Card Services' and include this payment coupon ,n the enclosed envelope. Please alkyl 7. 10 hairless days to U.S. Postal Service delivery. 1/85 BANK USA - CARD SERVICES FO BOX 84040 SUBS Card Number Ending in Minimum Payment Due Statement Balance $35.00 $300.00 COLUMBUS GA 31908-4040 Payment Due Date April 23, 2017 You are enrolled in Automated Pay Credit Card. Sendpayments to: GHISLAINE MAXWELL UBS BANK UM - CARD SERVICES PO BOX 308 PO BOX 103179 TEANECK NJ 07666-0308 DALLAS TX 75310-3179 042317 7826000014012491 5 0000003500 5 CONFIDENTIAL UBSTERRAMAR00003548 EFTA00238898 important Information Last or stolen cant: Your credit card is issued by UBS Bank USA. If pay your account online. Payments made on our website by 6:00 M. 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 onlyfar cardholders with a UBSISesourns Management Accrouni 5 unauthorized use that occurs after you notify us. You may, however, be (RA/A') 0 SIBS Business Services Account ESA 2. liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed S50. Pay byphone: To make a payment by phone please call 1-800-762-1000. Payments made by 5:00 Eastern time will be Payment Information: Each billing cycle, you must pay at least the credited to your account sane day. Phone payments made from your Minimum Payment Due shown on your monthly statement by its UBS account by 6:00 Eastern time are also credited sane day. Payment Due Date. Both the Minimum Payment Due and Payment Due Application of any phone payment to your credit line may be delayed Date are noted on your statement. At any time you may pay more than for up to 7 days. the Minimum Payment Due up to the full amount you owe us, however you cannot 'pay ahead'. This means that if you pay more than the Overnight payments : Send overnight courier service or USPS Priority required Minimum Payment Due in any billing cycle or if you make more Mail payments to UBS Bank USA—Card Services, 2975 Regent than one payment in a billing cycle, you will still need to pay the next Boulevard, M. Box 203219, Irving, TX 75063. A payment received at month's required Minimum Payment Due by your next Payment Due this address by 5:00 M. Central time that otherwise meets the Date. Remember to make all checks payable to Card Services. Please requirements of a conforming payment will be credited to your account allow 7 days for the U.S. Postal Senict to deliver your payment that same day. lo us. •pen our receipt, your mallabk credit may not be Increased by the payment amount for up to 7 days to ensure the funds from the bank on %Nth your payment Ls drawn are collected and not returned. When you provide a check as payment Automatic repayment of cash advances through Cash( 7onnect: The CashConnect feature on your UBS credit card account will automatically repay new Cash Advances obtaned from ATMs and I on this Account, you authorize us to either use the information from financial institutions iCashConnect Cash Advances), each night, with your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we available funds from your UBS Resource Management Account 6 use information from your check to make an electronic fund transfer, (RMAs) or your UBS Business Services Account BSA c: (either referred to funds may be withdrawn from your account as soon as the same day as your UBS Account). You will incur no interest charges on we receive your payment, and you will not receive your check back CashConnect Cash Advances, as long as there are sufficient available from your finandal institution. For inquiries please call 1-800-762-1000. funds in your UBS Account to repay your CashConnect Cash Advance transaction in full when we fast seek payment from your UBS Account. Mailed payments: A conforming payment received by us by 5:00 If sufficient available funds are not available in your UBS Account to pay M. Central time will be credited to your account the day of receipt. A off your CashConnect Cash Advances balance in full, then the APR for 'conforming payment' rs a payment that: 1) is mailed using the Cash Advances will apply as of the original transaction date on any endosed envelope and payment coupon induded with this statement to remaining balance. You will be charged the APR on Cash Advances on UBS Bank USA—Card Services, Box 203219, Dallas, TX 75320.3210 your remaining CashConnect Cash Advance balance unol it is repaid in and 21 is in the form of a single, non-folded check or money order made edl. Applicable ATM surcharge fees may apply. No other account payable in US dollars from a US based institution. Any payment that balances are paid through the CashConnect feature. If you choose not does not meet these requirements, or any payment with multiple checks to participate in the CashConnect feature, please contact UBS at or money orders, additional correspondence, staples, paperclips. etc. 1-800-762-1000. Available oithrfor cardholders wish a !IBSResource will be considered a • non-conforming payment' which may delay the Management Amount or LIDS Business Services Account BSA. crediting of the payment for up to 5 days. We can accept late payments, partial payments, checks and money orders marked 'Paid in Accrual of interest and how to avoid paying Mitred on Full' or language having the sane effect without losing any of our purchases . rights under this Agreement, and such payments may be sent to the Your due date is at least 23 days after the close of each billing cycle. On following address: UBS Bank USA—Card Sauces, M. Box 203219, Purchases, interest begins to accrue as of the transaction date. Dallas, TX 75320-3210. However, if you paid the Statement Balance that was shown on your previous billing statement by the Payment Due Date on that statement, Other payment options: then (1) we will not impose interest on Purchases during your current Online: Visit to sign up for Pay Credit Card to Continued on back of next page CONFIDENTIAL UBSTERRAMAR00003549 EFTA00238899  Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 6,028 Points earned this period 300 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 6,328 'For more details on your rewards points actiOty, please visit us online at Activsly !cc GH'SLANE MAXWELL Ca-el endng Dee Descripton Amount Payments 0420 PAYMENT THANK YOU -5236 40 TntallayminttActivity 4236.40 Purchases 0108 LAUREN'S NAJLS BOSTON MA 554 00 0309 NAILS AND BOSTON MA 53500 03/09 ZOE HAIR LIC BOSTON MA 559 00 03/16 PINCKNEY NAILS SKPJ SALONBOSTON MA 542 00 0320 ESPA CORP NEW YORK NY 570 00 Total Purchases AsthitY 5300.00 2017 Totals Year-to-Date Summary of Fees and Interest Tots Fees Charged in 2017 50.00 j Total Interest Charged in 2017 SO 00 Interest Charge Calculation28 Days in Billing Cycle Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES 50.00 13.74% lel saoo 3ALANCL TRANSFERS $0.00 13.74% v $0.00 CASH ADVANCES 50 00 2229% v 50 00 Total $0.00 your Annaa Percentage Rate APR is the annudl , your account v = Variable Rate CONFIDENTIAL UBSTERRAMAR00003550 EFTA00238900  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 Informadon: 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 In writing . You may call is, 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 8 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 8 take the Cash Advance. delinquent on that amount. • The charge in question may remain on your statement, and we flow we will calculate your balance subject to Interest rate. may continue to charge you interest on that amount. But, if we 8 We use a method called 'daily balance' linduding new purchases). To determine that we made a mistake, you will not have to pay the 8 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. 8 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 DPR) )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 dhoatlsfied 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 disputm: 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 Carctinerrber Agreement for additional information 1000 Harbor Boulevard, 8th Floor about the terms of your Account. Weehawken, NJ 07086 02011 UBS Bank USA CONFIDENTIAL UBSTERRAMAR00003551 EFTA00238901