Customer News

SUBS Customer News Pay Credit Card reminder Do -H mail payment. Your Statement Balance in the amount of $0.00 is scheduled to be paid on 1/20/18 from your UBS Account. Thank you. Add your UBS credit card to Apple Pay and turn on Apple Wallet notifications to receive immediate transaction notification for all your UBS credit card transactions. Apple Pay and Wallet are trademarks of Apple Inc., registered in the U.S. and other countries. Statement Billing Period 11/27/17 • 12/26117 ( Payment Due Date January 23, 201$ ) Minimum Payment Due 50.00 UBS Visa Signature credit card statement Fri,d,ed for GinSLAINE MAXWELL nutty Card Number Ending on 9433 Page 1 of 4 Questions7 call 1-803-762-1000 Account Summary Activity Summary Minimum Payment Due SO 00 Payment Due Date 01/23/18 Credit Life 535.000 00 Available Credit line Ca), Ciod t L re $14.000 0C Avalable Cash Line 514,000.00 Past Due- Amount 50 00 Overlimit Amount $0.00 Payment Information' Statement Balance Minimum Payment Due Payment Due Date ous Balance 4133.00 - Payments S 133.00 - Purchases 50 00 - Other Credits 50.00 r Cash Advances $0.00 + Fees 10.00 I + Interest . 50.00 Statement Balance $0.00 $0.00 $0.00 01/23/2018 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: Your account currently has no balance and no minimum payment is due at this time. The phone nunber for U8S 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.dfsny.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. Detach here. Please e checks payable to ' UBS Card Services • and include this payment coupon in the enclosed envelope. Please Slow 7 - 10 business days for u S. Postal Service delnery. undebwrablet U8S BANK USA FO BOX 84040 COLUMBUS GA return to: - CARD SERVICES 31908-4040 GHISIAINE MAXWELL SUBS Card Number Ending in 9433 Minimum Payment Due $0.00 Statement Balance $0.00 Payment Due Date January 23, 2018 You are enrolled in Automated Pay Credit Card. Send payments /0: UBS BANK IJS4 • CARD SERVICES PO BOX 203219 DALLAS rx 75320-3219 012318 7826000014012491 5 0000000000 5 CONFIDENTIAL UBSTERRAMAR00003580 EFTA00238930 Important information about your HIS credit card lost or stolen card. Your credit card is holed by Ulf Bank USA If your card is low or stolen. please contact us immediately at any tine at 1.888.762.1232 for the UB6 Via Infante credit card or 1-800.762.1000 for the UBS Visa Signature credit card. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that ocairs before your notice to us. h any case, your liability will not exceed $50. Payment Information. Bch biting cyck, you must payat least the Minimum Payment Due shown on your monthlystatement by its Payment Due Date. Fixth the Minimum Payment Due and Payment Due 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 you cannot "pay ahead." This means that if you pay more than the requited Mitinum Payment Due in any bilks cycle or if you make more than one payment in a biing cysie, you will still need to pay the next month's required Minimum Payment Due by your next Payment Due Date. Remember to make all checks payabk to U138 Card Senices. Please allow 7 days for the C.S. Postal Service to deliver your payment to us. Upon our receipt. your available credit may not be Increased by the payment amount for up to 7 days to ensure the funds from the bank on w hkh your payment b draw a are collected and not returned. Alen you provide a check as payment on this Account, you authorize us to either use the information from your check to make a one-tine electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an el:aro:tic fund transfer. funds maybe withdrawn from your account as soon as the same day we recent your payment. and you will not receive your check back from your financial instautinn. For inquiries, please call t-888.762.1232 for the LTIS Vita labile credit card or 1400-762-1000 for the LIB Vasa Signature credit card. Mailed Payments. A confonnirn payment received by us by 5:00 M. Central time will be credited to your account the day of receipt. A "conforming payment" is a payment that: I)is mailed using the enclosed envelope and payment coupon incbded with this statement to VHS link USA- Card Senices, Ebx 203219, Dallas, 'N75320-3210 and 2) is it the fonn of a skit, non-folded check or money order made payable in US dollars from a LB based institution. Any payment that does not meet these requirements or any payment with multiple checks or money orders, additional correspondence, staples, paperclips, etc. will be considered a "non-conforming payment." which may delay the crediting of the payment for up to 5 days. We can accept late payments, partial payments. checks and money orders marked "Pail it Kt or language hosing the same effect without losing any of our rights under thii Agreement and such payments may be sent to the following address: UM Bank USA- Card Senices, Ebx 203219, Dallas, TX 75320-3210. Other payment options. Online: Von to sign up for Pay Credit Card to pay your account online. Payments made through Payeredit Card will be credited to your account that same day if requested prior to 4:00 M. Eastern time for debits from an «lanai aixount and 6:00 M. Eastern time for debits from a LIB Resource Management Account (RMA)or U1311 Business Senices Account IBA account. Available onolorcadholders with an RNA or OS Business Services Account Pay by Phone: To make a payment by phone, please call 1.888.762.1232 for the LIB Visa kill« credit card or 1.800.762.1000 for the OE Visa Signature credit card. Payments made from an outside account by 5:00 M. Eastern time will be credited to your account same day. Payments made from your UBS account by 6:00 M. Pastern time are abio credited same day. Application of any phone payment to your credit line maybe delayed for up to 7 days. Overnight payments: Send overnight courier senice or USPS Priority Mail payments to UBS Bank USA - Card Services, 2975 Regent Ibukvard. tux 203219. Irving. 'V< 75063. A payment received at this address by 5:00 M. Central time that otherwise meets the requiements of a conforming payment will be credited to your account that same day. Automatic repayment of cash advances through Cash Canners: The CashConnect feature on your UM credit card account wit automatically repaynew Cash Ashances obtained from Arils and financial institutions (CashConnect Cash Advances). each night. with mailable funds from your LIE Resource Management Account (RSIA)or your UBS Business Services Account BSA (either referred to as your LIB Account). When we use your CBS Account to repay your CashConnea Cash Advance transaction in full you will not incur any interest charges. 'there are insufficient funds in your UES Account to pay off your CashConnect Cash Advances balance in full then the APR for your Cash Mvances will apply as of the original transaction date on any remarking balance. You will be charged the APR on Cash .Advances on your remaining CashConnect Cash .Advance balance until it is repaid in full Applicable Aft surcharge fees may apply. No other account balances are paid through the CashConnect feature. If you choose not to participate in the CashConnect feature. please contact us at 1-888-762-1232 for the LIB Via Infinite credit card or 1-800.762.1000 for the UES Yea Signature credit card. clvoitabk onfr for cardholders with an MIA or Business Sensors Account BSA. Accrual of Interest and how to avoid paying Interest on purchases. Your due date is at least 23 days after the dose of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. Floc • • • if you paid the Statement Balance from your previous billing statement by the Payment Due Date on that statement, then (I ) we wig not impose interest on Purchases during your cumta Continued on back of next page r o a l l CONFIDENTIAL UBSTERRAMAR00003581 EFTA00238931 Page 3 of 4 My Choice Rewards Points from UBS Account Summary Total Point* Begnning Pants this period 7,341 Points earned this period 0 Bonus points 0 Adjustments 0 Redemptions 0 Endng points balance 7,341 *For more details on your rewards points activity, please visit us oNine at ubs.conifuscards 10" C Date 12/20 PAYMENT MANY. YOU Total Payments Activity 0. plon It 9:33 2017 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2017 $0.00 Total Interest Charged in 2017 $0.00 Interest Charge Calculation- 30 Days in Billing Cycle Balance Subject to Interest Rate Amcor,: 4133.00 -$133.00 ANNUAL PERCENTAGE Interest RATE (APR) Charge 16.24% M S0.00 16.24% Iv/ S0.00 23.24% M S0.00 $0 .00 CONFIDENTIAL UBSTERRAMAR00003582 EFTA00238932 Page 4 of 4 bang period if you pay the Statement Ebbnce on the current biting statement by the Payment Due Date in the current bitng period. and (2) we wil end/ any payment applied toward Purchases as of the fest day it your current biting period if you make a payment by the Payment Due Date in the current biting period that is less than the Statement Mance. If a Statement Ihlance was shown on your previous billing statement and you did not pay the Statement Ilabnce by the Payment Due Due on that statement, then we will not impose Interest Charges on any Purchases during the current biting period if you pay the Statement firlanct shown on the current billing statement by the Payment We Date in the current biting period. For Mance Transfers, interest wil accrue from the day we send the Ildance Transfer to the payee. For Checks. interest will accrue from the day the payee accepts the check. For Cash Advances, interest will accrue from the day you take the Cash Advance. Clow w e w ill calculate your balance subject to interest nate. We use a method called "dal>, balance" (incbding new purchasers). To determine the amount of interest to be charged on your Account, we tint calculate the "Firbnce Subject to Interest Rate" separately for Purchases, for Balance Transfers, and for Cash Advances. We applythe applicable Daily Periodic Rate or the DPR (the DPR for each category is the applicable .APR shown on the front of the statement divided by365). to each of the applicable daily balances for 0 Purchases, ii)Iblance Transfers. and ii)Cash Advances. The daffy balances for Purchases. for Iblance Transfers, and for Cash Advances are each calculated separately and determined as follows: We take the beginning balances for each transaction type on your Account each day, including any interest calculated on the prestos days balance. add to the respective balances any new transaction, subtract any payments or credits and make any other applicabk adjustment(sy Your Cardmember Agreement provides for compounding of interest. A credit balance is treated as a balance of zero. lvou multiply the "Eblance Subject to Interest (late' for each balance category as shown on your monthly billing statement by the number of days in the biting period and then multiplyeach sum by the applicable DPR the resuks will be the interest assessed. except for minor variations caused by rounding. Cledit bureau reports and disputes. We may report information about your account to credit bureaus. Late payments. missed payments. or other defaults on your account maybe reflected in your credit report. If you believe that an entrywe have made on your credit report is inaccurate or incomplete. please contact the credit bureau directlyor contact us at U1 USA, Card Operations Division. 315 Deaderick Street. 5th Floor. Mutilate. 1N 37238. We will request your name: your account number, the credit bureau where you received the credit report; a description of the error. and why you believe it is an error. We wit promptly insestigate, notify you of our findings, and, if warranted, send an update to the credit bureaus within 30 days. What to do If you think you find an error on your ttttt ntent r you think then: /Ian error on your statement, please write to us at: UN Bulk USA- Card Operations Dkkion 315 Deaderick Street, 5th Floor Nashville, 'IN 37238 O2011 UBS Bank USA h your titter. give us the following information: so Account Information: your name and account number ao Dollar amount: the dollar amount of the suspected error ao Description of problem: if !mu think there is an error on your bit describe what you believe is wrong and why you belies I is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors In w riling. You may callus, but if you do we are not required to inestigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error. so We cannot try to collect the amount in question. or report you as delinquent on that amount. ao The charge in question may remain on your statement, and we may continue to charge you interest on that amount. ait, we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. so While you do not have to paythc amount in question, you are responsible for the remainder of your balance. so We can apply any unpaid amount against your credit limit. Your rights if you are dissatisfied with your credit and purchases If you are dissatisfied with the goods or senices that you have purchased with your credit card and you have tried is good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made it your home state or within 100 miles of your current mailing address, and the purchase price must have been more than S50. (Mote: Neither of these are necessary if your purchase was based on an advertisement we mated to you. or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with Cash Advances from an Am or with a check that accesses your credit card account do not qualify 3. You must not wt have fully paid for the purchase. If all the criteria above arc met and you are slit dissatisfied with the purchase, contact us In it cluing at: U13S Rink USA- Disputes Department M. Box 84040 Columbus, OA 31908 While we investigate, the same rules apply to the disputed amount as referenced above in the section covering errors on your statement. After we fetish our investigation, we will notify you of our decision. At that point. if we Oink you owe an amount and you do not pay that amount. we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. gg o CONFIDENTIAL UBSTERRAMAR00003583 EFTA00238933