EFTA Document EFTA01596743

Customer News Credit card payment reminder Do not mail payment. Your Statement Balance in the amount of $8 63. 1 5 is scheduled to be paid on 4/1 8/1 9 from your UBS Account. Thank you. SUBS Statement BEng Period: 02/27/19 - 03/26/19 Payment Due Date April 23, 2019 Minimum Payment Due 535.00 UBS Visa Signature credit card statement Prepared for: GHISLAME MAXWF Primary Card Number Erving in: Account Summary Minimum Payment Due $35.00 Payment Due Da Credit Line $35.000.00 Available Credit Line $34,1 Cast, Credit Line $14.000.00 Available Cash Line $14,000.00 Pad Due Amount Overlimit Amount SO.00 $0.00 Payment Information• Statement Balance Minimum Payment Due Payment Due Date Page t of 4 Questions? Call 1-800-762-1000 ubs.com/onlineservices Activity Summary Previous Balance $2.675.95 $2,675.95 + Purchases - Other Credits + Cash Advances + Fees + Interest Statement Balance $363.35 $0.20 $0.00 $0.00 $0.00 $863.15 $863.15 $35.00 04/23/2019 Late Payment Waming: 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 n interest and it will take you longer to pay off your balance. For Instance If you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about... And you will end up paying the estimated total of... Only the Minimum Payment 3 years $1,076 If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA s 1.600-762-1000. 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.comtonlineservices. Detach here. Please make checks payable to • UBS Card Services' and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U.S. Postal Service delivery ll undeliverable, return to: UBS BANK USA • CARD SERVICES PO BOX 84040 COLUMBUS GA 31908.4040 SUBS Card Number Ending in Minimum Payment Due $35.00 Statement Balance $863.15 Payment Due Date April 23,2019 You are enrolled in Automated Pay Credit Card. Send payments to: UBS BANK USA • CARD SERVICES PO BOX 203219 DALLAS TX 75320.3219 CON F I DENIAL 0000003500 2 SDNY_GM_00008821 EFTA01596743 Important Information about your UBS credit card lost or stolen card.Your credit card is issued by UBS Bank USA. If your card is lost or stolen, please contact us immediately at any time at 1.888.762.1232 for the UBS Visa Infinite 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 occurs before your notice to us. In any case, your liability will not exceed $50. Payment hdorinsIllea. Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Due Date. Both the Minimum Payment Due and Payment Due 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 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 than one payment in a billing cycle, 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 payable to UBS Card Services. Please allow 7 days for the U.S. Postal Service to deliver your payment to us. Upon our receipt, your available credit may not he increased by the payment amount for up to 7 days to ensure the funds from the bank an which your payment is drawn are collected and not returned. e• I .R...1;11 ci as payment on this Account, you authorize us to either use the information from your check to make a one-time 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 electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. For inquiries, please call 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762.1000 for the UBS Visa Signature credit card. Mailed Payment■. A conforming payment received by us by 5:00 p.m. Central time will be credited to your account the day of receipt. A 'conforming payment' is a payment that: 1) is mailed using the enclosed envelope and payment coupon included with this statement to UBS Bank USA - Card Services, P.O. Box 203219, Dallas, TX 75320-3210 and 2) is in the form of a single, non-folded check or money order made payable in US dollars from a US 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 'nonconforming 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 'Paid in Full' or language having the same effect without losing any of our rights under this Agreement and such payments may be sent to the following address: UBS Bank USA - Card Services, P.O. Box 203219, Dallas, TX, 75320-3210. Other payment opens. Online: Visit ubscornionlineservices to sign up for Pay Credit Card to pay your account online. Payments made through Pay Credit Card will be credited to your account that same day if requested prior to 4:00 p.m. Eastern time for debits from an external account and 6:00 p.m. Eastern time for debits from a UBS Resource Management Account (RMA) or UBS Business Services Account BSA account. Available onty for cardholders with art RMA or UBS Business Services Account BSA. Pay by Mac To make a payment by phone, please call 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 account by 5:00 p.m. Eastern time will be credited to your account same day. Payments made from your UBS account by 6:00 p.m. Eastern time are also credited same day. Application of any phone payment to your credit line may be delayed for up to 7 days. Overnight payments: Send overnight courier service or USPS Priority Mail payments to UBS Bank USA - Card Services, 2975 Regent Boulevard, 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 conforming payment will be credited to your account that same day. Automatic repayment of cash advances through CashConnect : The CashConnect feature on your UBS credit card account will automatically repay new Cash Advances obtained from ATMs and financial institutions (CashConnect Cash Advances), each night, with available funds from your UBS Resource Management Account (RMA) or your UBS Business Services Account BSA (either referred to as your UBS Account). When we use your UBS Account to repay your CashConnect Cash Advance transaction in full, you will not incur any interest charges. If there are insufficient funds in your UBS Account to pay off your CashConnect Cash Advances balance in full, then the APR for your Cash Advances will apply as of the original transaction date on any remaining balance. You will be charged the APR on Cash Advances on your remaining CashConnect Cash Advance balance until it is repaid in full. Applicable ATM 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 UBS Visa Infinite credit card or 1.800.762.1000 for the UBS Visa Signature credit card. Available only (or cardholders with an RMA or Business Services Account BSA. Accrual of Interest and how to avoid paying Interest on pendants. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance from your previous billing statement by the Payment Due Date on that statement, then (I ) we will not impose interest on Purchases during your current Continued on back of next page 00040403 • 040757 • 0301 CONFIDENTIAL SDNY_GM_00008822 EFTA01596744 Page 3 of 4 M Choice Rewards Points from UBS Account Sunman/ Beginning Points this period 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.com(uscards Total Points 93,359 863 0 0 0 94,222 Activity for GH6LAJNE MAXWELL - Card ending in MI Date Payments Descripticn Amount 03/11 CLOUDFLARE 650-3198939 CA -$0.10 03/17 CLOUDFLARE 650-3198939 CA -$0.10 03/18 PAYMENT THANK YOU -$2,675.95 Purchases Tatallaymentsitabtfty -S2,676.15 03/09 MAILCHIMP •MONTHLY MAILCHiMP.COMGA S653.25 03/09 CLOUDFLARE 650-3198939 CA $200.00 03/12 CLOUDFLARE 650-3198939 CA $0.10 03/t9 BUFFER AWESOME MONTHLY HTTPSBUFFER.CCA S10.00 Total Purchases ActMty S86335 Total Fees Charged in 2019 Total Interest Charged in 2019 $0.00 $0.00 Interest Charge Calculation -28 Days in Billing Cycle Balance Subject to Interest Rate PURCHASES $0.00 17.49% (v) $0.00 BALANCE TRANSFERS $0.00 17.49% hel $0.00 CASH ADVANCES $0.00 24.49% hel $0.00 ■ Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate ANNUAL PERCENTAGE RATE (APR) Interest Charge CONFIDENTIAL SDNY_GM_00008823 EFTA01596745 Page 4 of 4 billing period if you pay the Statement Balance on the current billing statement by the Payment Due Date in the current billing period, and (2) we will credit any payment applied toward Purchases as of the first day in your current billing period if you make a payment by the Payment Due Date in the current billing period that is less than the Statement Balance. If a Statement Balance was shown on your previous billing statement and you did not pay the Statement Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the Statement Balance shown on the current billing statement by the Payment Due Date in the current billing period. For Balance Transfers, interest will accrue from the day we send the Balance 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. How we will taintinte your balance added to Interest into. We use a method called 'daily balance" (including new purchases). To determine the amount of interest to be charged on your Account, we first calculate the 'Balance Subject to Interest Rate" separately for Purchases, for Balance Transfers, and for Cash Advances. We apply the applicable Daily Periodic Rate or the DPR (the DPR for each category is the applicable APR shown on the front of the statement divided by 365). to each of the applicable daily balances for i) Purchases, ii) Balance Transfers, and iii) Cash Advances. The daily balances for Purchases, for Balance 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 previous day's balance, add to the respective balances any new transaction, subtract any payments or credits and make any other applicable adjustment(s). Your Cardmember Agreement provides for compounding of interest. A credit balance is treated as a balance of zero. If you multiply the "Balance Subject to Interest Rate' for each balance category as shown on your monthly billing statement by the number of days in the billing period and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for minor variations caused by rounding. Credit blown reports End Amputee. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau directly or contact us at UBS Bank USA, Card Operations Division, 315 Deaderick Street, 5th floor, Nashville, TN 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 will promptly investigate, notify you of our findings, and, if warranted, send an update to the credit bureaus within 30 days. Met to do M yet think your find an error on your stntentent If you think there is an error on your statement, please write to us at: UBS Bank USA • Card Operations Division 315 Deaderick Street, 5th Floor Nashville, TN 37238 C2011 UBS Bank USA In your letter, give us the following information: • Account lefentatien: your name and account number • Dear anteunt the dollar amount of the suspected error • Description of problem if you think there is an error on your bill, describe what you believe is wrong and why you believe it 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 writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if 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. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can appty any unpaid amount against your credit limit. Vour rights if you are dissatisfied with your credit card purdtases If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in 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 in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed 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 ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all the criteria above are met and you are still dissatisfied with the purchase, contact us in waiting at: UBS Bank USA - Disputes Department P.O. Box 84040 Columbus, GA 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 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, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. S 8 8 8 a 8 CONFIDENTIAL SDNY_GM_00008824 EFTA01596746 Customer News Credit card payment reminder Do not mail payment. Your Statement Balance in the amount of $ 2,6 7 5.9 5 is scheduled to be paid on 3/18/19 from your UBS Account. Thank you. An annual summary statement which includes all of your credit card account activity from 2018 is now available online. To view the statement logon to your UBS Online Services account and go to My UBS Accounts > Account Documents. SUBS Statement Biting Period: 01/27/19-02/26/19 Payment Due Date March 23,2019 Minimum Payment Due 554.00 UBS Visa Signature credit card statement Prepared for: GHISLAINE MAXWELL Primary Card Number Erving irr= Account Summary Minimum Payment Due $54.00 Payment Due Date Credit Line 435.000.00 Available Credit Line $32,3 Cast Credit Line $14.000.00 Available Cash Line $14,000.00 Past Due Amount Calimit Amount $0.00 $0.00 Payment Information* Statement Balance Minimum Payment Due Payment Due Date Page t of 4 Questions? Call 1-800-762-1000 ubs.com/onlineservices Activity Summary Previous Balance $3,733.30 + Purchases 52,675.95 I - Other Credits + Cash Advances $0.00 + Fees $0.00 + Interest $0.00 Statement Balance $2,675.95 $2,675.95 $54.00 03/23/2019 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 n interest and it will take you longer to pay off your balance. For Instance If you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about.. And you will end up paying the estimated total of... Only the Minimum Payment 496 7 years $4,229 (Savings = $773) 43,456 3 years If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA is 1.800-762-1000. 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 wirvw.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.com/onlineservices. Detach here. Please make checks payab!e to UBS Card Services' and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U.S. Postal Service delivery. If undeliverable. UBS BANK USA PO BOX 84040 COLUMBUS GA return to: - CARD SERVICES 31908.4040 GHISLAINE MAXWELL UBS Card Number Ending in Minimum Payment Due Statement Balance Payment Due Date You are enrolled in Automated Pay Credit Card. Send payments UBS BANK USA - CARD SERVICES PO 80X 203219 DALLAS TX 75320-3219 $54.00 $2,675.95 March 23, 2019 CON F I DEIflJAL 000000 5400 2 SDNCGM_00008825 EFTA01596747 Important information about your UBS credit card lost or stolen card.Your credit card is issued by UBS Bank USA. If your card is lost or stolen, please contact us immediately at any time at 1.888.762.1232 for the UBS Visa Infinite 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 occurs before your notice to us. In any case, your liability will not exceed $50. Payment Isforinslion. Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Due Date. Both the Minimum Payment Due and Payment Due 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 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 than one payment in a billing cycle, 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 payable to UBS Card Services. Please allow 7 days for the U.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 which your payment is drawn are collected and not returned. b`. u• I .R...1;31.; 1/4. 1 :1,.. ci as payment on this Account, you authorize us to either use the information from your check to make a one-time 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 electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. For inquiries, please call 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762-1000 for the UBS Visa Signature credit card. Malted Payments. A conforming payment received by us by 5:00 p.m. Central time will be credited to your account the day of receipt. A 'conforming payment' is a payment that: 1) is mailed using the enclosed envelope and payment coupon included with this statement to UBS Bank USA - Card Services, P.O. Box 203219, Dallas, TX 75320-3210 and 2) is in the form of a single, non-folded check or money order made payable in US dollars from a US 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 'nonconforming 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 'Paid in Full' or language having the same effect without losing any of our rights under this Agreement and such payments may be sent to the following address: UBS Bank USA - Card Services, P.O. Box 203219, Dallas, TX, 75320-3210. Other payment options. bulbs= Visit ubscornionlineservices to sign up for Pay Credit Card to pay your account online. Payments made through Pay Credit Card will be credited to your account that same day if requested prior to 4:00 p.m. Eastern time for debits from an external account and 6:00 p.m. Eastern time for debits from a UBS Resource Management Account (RMA) or UBS Business Services Account BSA account. Available onty for cardholders with art RMA or UBS Business Services Account BSA. Pay by PlmacTo make a payment by phone, please call 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 account by 5:00 p.m. Eastern time will be credited to your account same day. Payments made from your UBS account by 6:00 p.m. Eastern time are also credited same day. Application of any phone payment to your credit line may be delayed for up to 7 days. Oversight payments: Send overnight courier service or USPS Priority Mail payments to UBS Bank USA - Card Services, 2975 Regent Boulevard, 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 conforming payment will be credited to your account that same day. Automatic repayment of cash admen. Hugh CashConnect : The CashConnect feature on your UBS credit card account will automatically repay new Cash Advances obtained from ATMs and financial institutions (CashConnect Cash Advances), each night, with available funds from your UBS Resource Management Account (RMA) or your UBS Business Services Account BSA (either referred to as your UBS Account). When we use your UBS Account to repay your Cashannect Cash Advance transaction in full, you will not incur any interest charges. If there are insufficient funds in your UBS Account to pay off your CashConoect Cash Advances balance in full, then the APR for your Cash Advances will apply as of the original transaction date on any remaining balance. You will be charged the APR on Cash Advances on your remaining CashConnect Cash Advance balance until it is repaid in full. Applicable ATM 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 UBS Visa Infinite credit card or 1.800.762.1000 for the UBS Visa Signature credit card. Available only (or cardholders with an RMA or Business Services Account BSA. Accrual of Stems! and how to avoid paying Interest on purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance from your previous billing statement by the Payment Due Date on that statement, then (I ) we will not impose interest on Purchases during your current Continued on back of next page 2 S a CONFIDENTIAL SDNY_GM_00008826 EFTA01596748 Page 3 of 4 My Choice Rewards Points from UBS Account Summary Total Points Beginning Points this period 90,68 Points earned this period 2,67 Bonus points Adjustments Redemptions Ending points balance 93,35 •For more details on your rewards points activity, please visit us online at ubs.comMscards Activity for GHISLAINE MAXWELL - Card ending inn" Date Payments Description Amount 02/15 PAYMENT THANK YOU -$9733.30 Purchases Total Payments Activity -53,733.30 02/09 MAILCHIMP •MONTHLY MAILCHiMP.COMGA 5653.25 02/09 CLOUDFLARE 650-3198939 CA 5200.10 02/10 CLOUDFLARE 650-3198939 CA 50.10 02/19 BUFFER AWESOME MONTHLY HTTPSBUFFEACCA $10.00 02/25 N *Eftl DESIGN. INC. 508-9811897 MA 61,812.50 Total Purchases Activity 52,675.95 W 2019 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2019 Total Interest Charged in 2019 50.00 $0.00 Interest Charge Calculation - 31 Days in Billing Cycle Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES 50.00 17.09% M $0.00 BALANCE TRANSFERS 50.00 17.09% M $0.00 CASH ADVANCES 50.00 24.09% M $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (W. Variable Rate CONFIDENTIAL SDNY_GM_00008827 EFTA01596749 Page 4 of 4 billing period if you pay the Statement Balance on the current billing statement by the Payment Due Date in the current billing period, and (2) we will credit any payment applied toward Purchases as of the first day in your current billing period if you make a payment by the Payment Due Date in the current billing period that is less than the Statement Balance. If a Statement Balance was shown on your previous billing statement and you did not pay the Statement Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the Statement Balance shown on the current billing statement by the Payment Due Date in the current billing period. For Balance Transfers, interest will accrue from the day we send the Balance 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. How we win mandate your balance suldect to Intersat mar. We use a method called 'daily balance" (including new purchases). To determine the amount of interest to be charged on your Account, we first calculate the 'Balance Subject to Interest Rate" separately for Purchases, for Balance Transfers, and for Cash Advances. We apply the applicable Daily Periodic Rate or the DPR (the DPR for each category is the applicable APR shown on the front of the statement divided by 365). to each of the applicable daily balances for i) Purchases, ii) Balance Transfers, and iii) Cash Advances. The daily balances for Purchases, for Balance 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 previous day's balance, add to the respective balances any new transaction, subtract any payments or credits and make any other applicable adjustment(s). Your Cardmember Agreement provides for compounding of interest. A credit balance is treated as a balance of zero. If you multiply the "Balance Subject to Interest Rate' for each balance category as shown on your monthly billing statement by the number of days in the billing period and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for minor variations caused by rounding. Credit Mame reports rd disputa We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau directly or contact us at UBS Bank USA, Card Operations Division, 315 Deaderick Street, 5th floor, Nashville, TN 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 will promptly investigate, notify you of our findings, and, if warranted, send an update to the credit bureaus within 30 days. What to do M yet think yew find an ewer on your statement If you think there is an error on your statement, please write to us at: UBS Bank USA • Card Operations Division 315 Deaderick Street, 5th Floor Nashville, TN 37238 C2011 UBS Bank USA In your letter, give us the following information: • Account leformatien: your name and account number • Dear ansount the dollar amount of the suspected error • Description of molds= if you think there is an error on your bill, describe what you believe is wrong and why you believe it 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 ht writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if 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. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Vour rights if you are dissatisfied with your credit card purchases If you are dissatisfied imth the goods or services that you have purchased with your credit card and you have tried in 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 in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed 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 ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all the criteria above are met and you are still dissatisfied with the purchase, contact us In walting at: UBS Bank USA - Disputes Department P.O. Box 84040 Columbus, GA 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 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, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. CONFIDENTIAL SDNY_GM_00008828 EFTA01596750 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $3,733.30 is scheduled to be paid on 2/18119 from your UBS Account. Thank you. View your card account activity, download credit card statements and more at ubs.com/onlineservices SUBS ,- Statement BEng Period: 12/27/18 - 01/26/1— 9\ Payment Due Date February 23, 2019 Minimum Payment Due $75.00, UBS Visa Signature credit card statement Prepared for: GHISLAINE MAXWELL Primary Card Number Encing Paget of 4 Questions? Call 1-800-762-1000 ubs.conVonlinesenrices Account Summary your minimum Activity Summary Minimum Payment Due $75.00 Previous Balance 51,340.52 P SOS ini-74 Credit Line $35.000.00 + Purchases 53.733.30 Available Credit Line $31,266.75 - Other Credits 50.00 Cash Credit Line 514.000.00 + Cash Advances 50.00 Available Cash UM 514,000.00 + Fees $0.00 Past Due Amount 50.CO + Interest $0.00 Overlimit Amount 50.00 Statement Balance 53,733.30 Payment Information• payment by the date Statement Balance Minimum Payment Due Payment Due Date Late Payment Warning: If we do not receive $3,733.30 $75.00 02/23/2019 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 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 using this card and each month shown on this statement in you pay... about.. And you will end up paying the estimated total of... Only the Minimum Payment $134 9 years 56,063 3 years 54.824 (Savings = $1,239) If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA a 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 Service delivery. ll undeliverable, return to: UBS BANK USA • CARD SERVICES PO BOX 84040 COLUMBUS GA 31908.4040 GHISLAINE MAXWELL UBS Card Number Ending in Minimum Payment Due $75.00 Statement Balance S3 733.30 Payment Due Date February 23, 2019 You are enrolled in Automated Pay Credit Card. Send payments to: UBS BANK USA • CARD SERVICES PO BOX 203219 DALLAS TX 75320.3219 CONFIDENTIAL 0000007500 2 SIDNYGM_00008829 EFTA01596751 Important Information about your UBS credit card lost or stolen card-Your credit card is issued by UBS Bank USA. If your card is lost or stolen, please contact us immediately at any time at 1.888.762.1232 for the UBS Visa Infinite 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 occurs before your notice to us. In any case, your liability will not exceed $50. Paned INforinslion. Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Due Date. Both the Minimum Payment Due and Payment Due 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 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 than one payment in a billing cycle, you will still need to pay the next north's required Minimum Payment Due by your next Payment Due Remember to make all checks payable to UBS Card Service.: Please allow 7 days for the U.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 an which your payment is drawn are collected aad not returned. e I ;Jr ci ck as payment on this Account, you authorize us to either use the information from your check to make a one-time 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 electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. For inquiries, please call 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762.1000 for the UBS Visa Signature credit card. Mailed Payments. A conforming payment received by us by 5:00 p.m. Central time will be credited to your account the day of receipt. A 'conforming payment' is a payment that: 1) is mailed using the enclosed envelope and payment coupon included with this statement to UBS Bank USA - Card Services, P.O. Box 203219, Dallas, TX 75320-3210 and 2) is in the form of a single, non-folded check or money order made payable in US dollars from a US 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 'Paid in Full' or language having the same effect without losing any of our rights under this Agreement and such payments may be sent to the following address: UBS Bank USA - Card Services, P.O. Box 203219, Dallas, TX, 75320-3210. Other payment options. OslIns: Visit ubscorolonlineservices to sign up for Pay Credit Card to pay your account online. Payments made through Pay Credit Card will be credited to your account that same day if requested prior to 4:00 p.m. Eastern time for debits from an external account and 6:00 p.m. Eastern time for debits from a UBS Resource Management Account (RMA) or UBS Business Services Account BSA account. Available only for cardholders with art RMA or UBS Business Services Account BSA. Pay by Phone:To make a payment by phone, please call 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 account by 5:00 p.m. Eastern time will be credited to your account same day. Payments made from your UBS account by 6:00 p.m. Eastern time are also credited same day. Application of any phone payment to your credit line may be delayed for up to 7 days. Overnight payments: Send overnight courier service or USPS Priority Mail payments to UBS Bank USA - Card Services, 2975 Regent Boulevard, 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 conforming payment will be credited to your account that same day. Automatic repayment of cash admen. Hugh CashCormect : The CashConnect feature on your UBS credit card account will automatically repay new Cash Advances obtained from ATMs and financial institutions (CashConnect Cash Advances), each night, with available funds from your UBS Resource Management Account (RMA) or your UBS Business Services Account BSA (either referred to as your UBS Account). When we use your UBS Account to repay your CashConnect Cash Advance transaction in full, you will not incur any interest charges. II there are insufficient funds in your UBS Account to pay off your CashConnect Cash Advances balance in full, then the APR for your Cash Advances will apply as of the original transaction date on any remaining balance. You will be charged the APR on Cash Advances on your remaining CashConnect Cash Advance balance until it is repaid in full. Applicable ATM surcharge fees may apply. No other account balances are paid through the CashConnect feature. II you choose not to participate in the CashConnect feature, please contact us at 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762.1000 for the UBS Visa Signature credit card. Available only for cardholders with an RMA or Business Services Account BSA. Accrual of Interest and how to avoid paying Interest on purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance from your previous billing statement by the Payment Due Date on that statement, then (I ) we will not impose interest on Purchases during your current Continued on back of next page 8 8 8 8 8 CONFIDENTIAL SDNY_GM_00008830 EFTA01596752 Page 3 of 4 My Choice Rewards Points from UBS Account Summary Total Points Beginning Points this period 86,950 Points earned this period 3,733 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 90,683 *For more details on your rewards points activity, please visit us online at ubs.conVuscards Activity for GHSLAJNE MAXWELL - Card ending XENON Date Pal rr f Description Amount 01/18 PAYMENT THANK YOU -$1,340.52 Purchases Total_PaymenttActivIty -S1,340.52 01/04 STICKER MULE 8009759465 NY S185.00 01/04 CLOUDFLARE 650-3198939 CA $200.05 01/09 MAILCHIMP *MONTHLY MAILCHiMP.COMGA $653.25 01/14 IN *EFU DESIGN, INC. 508-9811897 MA $2,500.00 01/17 STICKER MULE 8009759465 NY S185.00 01/19 BUFFER AWESOME MONTHLY HTTPSBUFFER.CCA S10.00 Total Purchases Activity S3,733.30 Total Fees Charged in 2019 Total Interest Charged in 2019 $0.00 $0.00 Interest Charge Calculation -31 Days in Billing Cycle Balance Subject to Interest Rate PURCHASES $0.00 17.49% (v) $0.00 BALANCE TRANSFERS $0.00 17.49% $0.00 CASH ADVANCES 50.00 24.49% $0.00 offal Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate ANNUAL PERCENTAGE RATE (APR) Interest Charge CONFIDENTIAL SDNY_GM_00008831 EFTA01596753 Page 4 of 4 billing period if you pay the Statement Balance on the current billing statement by the Payment Due Date in the current billing period, and (2) we will credit any payment applied toward Purchases as of the first day in your current billing period if you make a payment by the Payment Due Date in the current billing period that is less than the Statement Balance. If a Statement Balance was shown on your previous billing statement and you did not pay the Statement Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the Statement Balance shown on the current billing statement by the Payment Due Date in the current billing period. For Balance Transfers, interest will accrue from the day we send the Balance 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. New we can olosInte year balance - d to Interest rate. We use a method called 'daily balance" (including new purchases). To determine the amount of interest to be charged on your Account, we first calculate the 'Balance Subject to Interest Rate" separately for Purchases, for Balance Transfers, and for Cash Advances. We apply the applicable Daily Periodic Rate or the DPR (the DPR for each category is the applicable APR shown on the front of the statement divided by 365). to each of the applicable daily balances for i) Purchases, ii) Balance Transfers, and iii) Cash Advances. The daily balances for Purchases, for Balance 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 previous day's balance, add to the respective balances any new transaction, subtract any payments or credits and make any other applicable adjustment(s). Your Cardmember Agreement provides for compounding of interest. A credit balance is treated as a balance of zero. If you multiply the "Balance Subject to Interest Rate' for each balance category as shown on your monthly billing statement by the number of days in the billing period and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for minor variations caused by rounding. Credit Wren reports End Awaken We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau directly or contact us at UBS Bank USA, Card Operations Division, 315 Deaderick Street, 5th floor, Nashville, TN 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 will promptly investigate, notify you of our findings, and, if warranted, send an update to the credit bureaus within 30 days. What to do If yet Wilk your fled an error on your statement If you think there is an error on your statement, please write to us at: UBS Bank USA • Card Operations Division 315 Deaderick Street, 5th Floor Nashville, TN 37238 C2011 UBS Bank USA In your letter, give us the following information: • Account bdensatien: your name and account number • Donor aunt the dollar amount of the suspected error • Description of problem if you think there is an error on your bill, describe what you believe is wrong and why you believe it 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 writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if 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. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Vour rights if you are dissatisfied with your credit card puts If you are dissatisfied imth the goods or services that you have purchased with your credit card and you have tried in 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 in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed 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 ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all the criteria above are met and you are still dissatisfied with the purchase, contact us In wilting at: UBS Bank USA - Disputes Department P.O. Box 84040 Columbus, GA 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 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, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. 8 S a 8 CONFIDENTIAL SDNY_GM_00008832 EFTA01596754 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $1,340.52 is scheduled to be paid on 1/18/19 from your UBS Account. Thank you. SUBS Statement Being Period 11/27/18 -12126/18 Payment Due Date January 23, 2019 Minimum Payment Due S35.00/ UBS Visa Signature credit card statement Prepared for: GHISLNNE MAXWELL Primary Card Number Erving in: IN Page 1 of 4 Questions? Call 1-800-762-1000 ubs.com/onlinewrvices Account Summary Activity Summary Minimum Payment Due $35.00 Previous Balance $890.52 Credit Line $35.000.00 + Purchases $1 ,340.52 Available Credit Line 533,659.48 I - Other Credits $0.00 Cash Credit Line $14.000.00 + Cash Advances $0.00 Available Cash Line $14,000.00 + Fees $0.00 Past Due Amount SO.00 + Interest $0.00 Overlent Amount $0.00 Statement Balance 51,340.52 Payment Information* Statement Balance Minimum Payment Due Payment Due Date Late Payment Waming: $1,340.52 $35.00 01/23/2019 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 If you make no additional charges using this card and each month yOu pay... You will pay off the balance shown on this statement in about.. And you will end up paying the estimated total of... Only the Minimum Payment $48 4 years $1,887 3 years $1,728 (Savings= $159) If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA n 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.comtonlineservices. Detach here. Please make checks payable to • UBS Card Servkes• and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U.S. Postal Service delivery. if undeliverable, UBS BANK USA PO BOX 84040 COLUMBUS GA return to: • CARD SERVICES 31908.4040 UBS Card Number Ending in Minimum Payment Due $35.00 Statement Balance St 340.52 Payment Due Date January 23, 2019 You are enrolled in Automated Pay Credit Card. Send payments to: UBS BANK USA • CARD SERVICES PO BOX 203219 DALLAS TX 75320.3219 CONFIDENTIAL 0000003500 2 SDNY_GM_000013833 EFTA01596755 Important Information about your UBS credit card Lost or stolen card. Your credit card is issued by UBS Bank USA. If tolen, please contact us immediately at any time at 1.888-/u2-1232 for the UBS Visa Infinite credit card or I.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 occurs before your notice to us. In any case, your liability will not exceed $50. Payment Information. Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Due Date. Both the Minimum Payment Due and Payment Due 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 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 than one payment in a billing cycle, 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 payable to UBS Card Services. Please allow 7 days for the U.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 which your payment Is drawn are collected and not returned. V.'nen you plovide a check as payment on this Account, you authorize us to either use the information from your check to make a one-time 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 electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. For inquiries, please call 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762-1000 for the UBS Visa Signature credit card. Maned Payments. A conforming payment received by us by 5:00 p.m. Central time will be credited to your account the day of receipt. A 'conforming payment' is a payment that: 1) is mailed using the enclosed envelope and payment coupon included with this statement to UBS Bank USA - Card Services, P.O. Box 203219, Dallas, TX 75320-3210 and 2) is in the form of a single, non-folded check or money order made payable in US dollars from a US 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 'Paid in Full' or language having the same effect without losing any of our rights under this Agreement and such payments may be sent to the following address: UBS Bank USA - Card Services, P.O. Box 203219, Dallas, TX, 75320-3210. Other payment options. Oman*: Visit ubscomionlineservices to sign up for Pay Credit Card to pay your account online. Payments made through Pay Credit Card will be credited to your account that same day if requested prior to 4:00 p.m. Eastern time for debits from an external account and 6:00 p.m. Eastern time for debits from a UBS Resource Management Account (RMA) or UBS Business Services Account BSA account. Available only for cardholders with an RMA or UBS Business Services Account BSA Pay by Phone: To make a payment by phone, please call 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 account by 5:00 p.m. Eastern time will be credited to your account same day. Payments made from your UBS account by 6:00 p.m. Eastern time are also credited same day. Application of any phone payment to your credit line may be delayed for up to 7 days. °vended payments: Send overnight courier service or USPS Priority Mail payments to UBS Bank USA - Card Services, 2975 Regent Boulevard, 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 conforming payment will be credited to your account that same day. Automatic repayment of cads advances dermegh CasbCormect The CashConnect feature on your UBS credit card account will automatically repay new Cash Advances obtained from ATMs and financial institutions (CashConnect Cash Advances), each night, with available funds from your UBS Resource Management Account (RMA) or your UBS Business Services Account BSA (either referred to as your UBS Account). When we use your UBS Account to repay your CashConnect Cash Advance transaction in full, you will not incur any interest charges. If there are insufficient funds in your UBS Account to pay off your CashConnect Cash Advances balance in full, then the APR for your Cash Advances will apply as of the original transaction date on any remaining balance. You will be charged the APR on Cash Advances on your remaining CashConnect Cash Advance balance until it is repaid in full. Applicable ATM surcharge fees may apply. No other account balances are paid through the Cashannect feature. If you choose not to participate in the CashConnect feature, please contact us at 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762.1000 for the UBS Visa Signature credit card. Available only for cardholders with an RMA or Business Services Account BSA. Atonal of Interest and hem to avoid paying Stems! en purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance from your previous billing statement by the Payment Due Date on that statement, then (I ) we will not impose interest on Purchases during your current Continued on back of next page 00000003 • 040770 • 0301 CONFIDENTIAL SDNY_GM_00008834 EFTA01596756 Page 3 of 4 My Choice Rewards Points from UBS Account Summary Total Points Beginning Points this period 85,610 Points earned this period 1,340 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 86,950 *For more details on your rewards points activity, please visit us online at ubs.com(uscards Activity for GHISLAINE MAXWELL - Card ending in Date Description 12/18 PAYMENT THANK YOU Total_PaymenttActiirity Purdiases 11/29 EARTHX 214-3101200 TX 12/04 CLOUDFLARE 650-3198939 CA 12/09 MAILCHIMP 'MONTHLY MAILCHIMP.COM6A 12119 BUFFER AWESOME MONTHLY HTIPSBUFFER.CCA Total Purchases Activity Amount -5890.52 -$890.52 5450.00 5200.05 5680.47 510.00 51.340.52 I Total Fees Charged in 2018 Total Interest Charged in 2018 2018 Totals Year-to-Date Summary of Fees and Interest j Interest Charge Calculation -30 Days in Billing Cycle Balance Subject to Interest Rate PURCHASES S0.00 17.24% (v) $0.00 BALANCE TRANSFERS $0.00 17.24% (v) $0.00 CASH ADVANCES 40.00 24.24% (v) $0.00 $0.00 50.00 ANNUAL PERCENTAGE RATE (APR) Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00008Et35 EFTA01596757 Page 4 of 4 billing period if you pay the Statement Balance on the current billing statement by the Payment Due Date in the current billing period, and (2) we will credit any payment applied toward Purchases as of the first day in your current billing period if you make a payment by the Payment Due Date in the current billing period that is less than the Statement Balance. If a Statement Balance was shown on your previous billing statement and you did not pay the Statement Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the Statement Balance shown on the current billing statement by the Payment Due Date in the current billing period. For Balance Transfers, interest will accrue from the day we send the Balance 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. Note tea will calculate your balance subject t. interest ate. We use a method called 'daily balance" (including new purchases). To determine the amount of interest to be charged on your Account, we first calculate the 'Balance Subject to Interest Rate" separately for Purchases, for Balance Transfers, and for Cash Advances. We apply the applicable Daily Periodic Rate or the DPR (the DPR for each category is the applicable APR shown on the front of the statement divided by 365). to each of the applicable daily balances for i) Purchases, ii) Balance Transfers, and iii) Cash Advances. The daily balances for Purchases, for Balance 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 previous day's balance, add to the respective balances any new transaction, subtract any payments or credits and make any other applicable adjustment(s). Your Cardmember Agreement provides for compounding of interest. A credit balance is treated as a balance of zero. If you multiply the "Balance Subject to Interest Rate' for each balance category as shown on your monthly billing statement by the number of days in the billing period and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for minor variations caused by rounding. Credit bureau reports and disputes. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau directly or contact us at UBS Bank USA, Card Operations Division, 315 Deaderick Street, 5th floor, Nashville, TN 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 will promptly investigate, notify you of our findings, and, if warranted, send an update to the credit bureaus within 30 days. Whet t. do if yam Mbar you find an emir on your statement If you think there is an error on your statement, please write to us at: UBS Bank USA • Card Operations Division 315 Deaderick Street, 5th Floor Nashville, TN 37238 0201 I UBS Bank USA In your letter, give us the following information: • Account inforssatbn: your name and account number • oetramw.t the dollar amount of the suspected error • Description of pale= if you think there is an error on your bill, describe what you believe is wrong and why you believe it 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 writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if 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. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your rights if you are dissatisfied with your credit card purchases If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in 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 in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed 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 ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all the criteria above are met and you are still dissatisfied with the purchase, contact us in walling at: UBS Bank USA - Disputes Department P.O. Box 84040 Columbus, GA 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 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, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. CONFIDENTIAL SDNY_GM_00008836 EFTA01596758 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $890.52 is scheduled to be paid on 12/18/18 from your UBS Account. Thank you. Shop for your holiday gift-giving needs and use your My Choice Rewards points online to do it. Find everything from gift cards for fine dining and premium retail to the latest in luxury goods or gadgets. Book your holiday travel or buy what you want and redeem for a statement credit. Explore the range of options on the rewards web site at ubs.com/mycardbenefits. Detach here. P SUBS Statement Billing Period: 10/27/18 - 11/26/18 Payment Due Date December 23,2018 Minimum Payment Due 535.00/ UBS Visa Signature credit card statement Prepared for DHSLA MAXV:itt Primary Card Number Erci ng in PPM Page I of 4 Questions? Call 1-800.762-1000 ubs.com/onlineservices Account Summary `d:n:ma.•., Paymeut Due 535.00 Activity Summary Previous Balance 5917.74 Payment Oue Date 12/23/18 I - Payments $9174 C'ecitt Lne 535.000.00 + Psaciases $890.52 Available Credit tine $34,109.48 - Other Credits $0.00 Cash Cretin Lire S id1.000.00 + Cash Advances $0.00 Available Cash Line 514,000.00 + Fees S0.00 Past Due Amount SO.00 + Interest 50.00 Overlimit Amount $aoo Statement Balance S890.52 Payment Information* Statement Balance 589032 Minimum Payment Due $35.00 Payment Due Date 12/23/2018 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 S38.00 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 using this card and each month you pay... You will pay off the balance shown on this statement in about.. And you will end up paying the estimated total of... Only the Minimum Payment 3 years 51)B If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA is 1.800-762-1000. 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.comfonlineservices. ase make checks payab!e to UBS Card Services' and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U.S. Postal Servce delivery. If undeliverable. UBS BANK USA PO BOX 84040 COLUMBUS GA return to: - CARD SERVICES 31908.4040 GHISLAINE MAXWELL UBS Card Number Ending in Minimum Payment Due Statement Balance Payment Due Date S3S.00 $890.52 December 23, 2018 You are enrolled in Automated Pay Credit Card. Send payments to: UBS BANK USA - CARD SERVICES PO 80X 203219 DALLAS TX 75320-3219 CON F I DENIAL 0000003500 2 SDNY_GM_00008837 EFTA01596759 Important Information about your UBS credit card Lost or stolen card. Your credit card is issued by UBS Bank USA. If (.-ird is lost or stolen, please contact us immediately at any time at 1.888.762.1232 for the UBS Visa Infinite 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 occurs before your notice to us. In any case, your liability will not exceed $50. Payment Information. Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Due Date. Both the Minimum Payment Due and Payment Due 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 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 than one payment in a billing cycle, 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 payable to UBS Card Services. Please allow 7 days for the U.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 which your payment Is drawn we collected and not returned. Mien you provide a check as payment on this Account, you authorize us to either use the information from your check to make a one-time 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 electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. For inquiries, please call 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762-1000 for the UBS Visa Signature credit card. Mailed Payments. A conforming payment received by us by 5:00 p.m. Central time will be credited to your account the day of receipt. A 'conforming payment' is a payment that: 1) is mailed using the enclosed envelope and payment coupon included with this statement to UBS Bank USA - Card Services, P.O. Box 203219, Dallas, TX 75320-3210 and 2) is in the form of a single, non-folded check or money order made payable in US dollars from a US 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 'Paid in Full' or language having the same effect without losing any of our rights under this Agreement and such payments may be sent to the following address: UBS Bank USA - Card Services, P.O. Box 203219, Dallas, TX, 75320-3210. Other payment eptleas. Oman: Visit ubscomionlineservices to sign up for Pay Credit Card to pay your account online. Payments made through Pay Credit Card will be credited to your account that same day if requested prior to 4:00 p.m. Eastern time for debits from an external account and 6:00 p.m. Eastern time for debits from a UBS Resource Management Account (RMA) or UBS Business Services Account BSA account. Available onty for cardholders with an RMA or UBS Business Services Account BSA. Pay by Pb...: To make a payment by phone, please call 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 account by 5:00 p.m. Eastern time will be credited to your account same day. Payments made from your UBS account by 6:00 p.m. Eastern time are also credited same day. Application of any phone payment to your credit line may be delayed for up to 7 days. Overnight payments: Send overnight courier service or USPS Priority Mail payments to UBS Bank USA - Card Services, 2975 Regent Boulevard, 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 conforming payment will be credited to your account that same day. Automatic repayment of cash advances through CashConnect : The CashConnect feature on your UBS credit card account will automatically repay new Cash Advances obtained from ATMs and financial institutions (CashConnect Cash Advances), each night, with available funds from your UBS Resource Management Account (RMA) or your UBS Business Services Account BSA (either referred to as your UBS Account). When we use your UBS Account to repay your CashConnect Cash Advance transaction in full, you will not incur any interest charges. If there are insufficient funds in your UBS Account to pay off your CashConnect Cash Advances balance in full, then the APR for your Cash Advances will apply as of the original transaction date on any remaining balance. You will be charged the APR on Cash Advances on your remaining CashConnect Cash Advance balance until it is repaid in full. Applicable ATM surcharge fees may apply. No other account balances are paid through the CashConnect feature. II you choose not to participate in the CashConnect feature, please contact us at 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762.1000 for the UBS Visa Signature credit card. Available only (or cardholders with an RMA or Business Services Account BSA. Accrual of Interest and hem to avoid paying Interest en purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance from your previous billing statement by the Payment Due Date on that statement, then (I ) we will not impose interest on Purchases during your current Continued on back of next page 03030303 • 031080 • 0001 • 0002 • 23 CONFIDENTIAL SDNY_GM_00008838 EFTA01596760 Page 3 of 4 My Choice Rewards Points from UBS Account Summary Total Points Beginning Points this period 80,72 Points earned this period 89 Bonus points Adjustments Redemptions Ending points balance 85,61 •For more details on your rewards points activity, please visit us online at ubs.conVuscards Activity tor 6HISULNEPAAXWELL - Card ending in Date Description Amount Payments 11/16 PAYMENT THANK YOU Total Payments Activity Purchases 11/04 11/09 11/19 CLOUDFLARE 650-3198939 CA MAILCHIMP •MONTHLY MAILCHiMP.COM6A BUFFER AWESOME MONTHLY HliPSBUFFER.CCA Total Purchases Activity -$917.74 -S917.74 $200.05 $680.47 $10.00 $890.52 Total Fees Charged in 2018 Total Interest Charged in 2018 $0.00 $0.00 Interest Charge Calculation - 31 Days in Billing Cycle PURCHASES BALANCE TRANSFERS CASH ADVANCES Balance Subject to Interest Rate $0.00 $0.00 $0.00 ANNUAL PERCENTAGE RATE (APR) 17.24% h4 17.24% (x4 24.24% (x4 Interest Charge $0.00 $0.00 $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00008839 EFTA01596761 Page 4 of 4 billing period if you pay the Statement Balance on the current billing statement by the Payment Due Date in the current billing period, and (2) we will credit any payment applied toward Purchases as of the first day in your current billing period if you make a payment by the Payment Due Date in the current billing period that is less than the Statement Balance. If a Statement Balance was shown on your previous billing statement and you did not pay the Statement Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the Statement Balance shown on the current billing statement by the Payment Due Date in the current billing period. For Balance Transfers, interest will accrue from the day we send the Balance 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. Now see will canines your balance sodded t. interest ate. We use a method called 'daily balance" (including new purchases). To determine the amount of interest to be charged on your Account, we first calculate the 'Balance Subject to Interest Rate" separately for Purchases, for Balance Transfers, and for Cash Advances. We apply the applicable Daily Periodic Rate or the DPR (the DPR for each category is the applicable APR shown on the front of the statement divided by 365). to each of the applicable daily balances for i) Purchases, ii) Balance Transfers, and iii) Cash Advances. The daily balances for Purchases, for Balance 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 previous day's balance, add to the respective balances any new transaction, subtract any payments or credits and make any other applicable adjustment(s). Your Cardmember Agreement provides for compounding of interest. A credit balance is treated as a balance of zero. If you multiply the "Balance Subject to Interest Rate' for each balance category as shown on your monthly billing statement by the number of days in the billing period and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for minor variations caused by rounding. Credit bureau reports and disputes. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau directly or contact us at UBS Bank USA, Card Operations Division, 315 Deaderick Street, 5th floor, Nashville, TN 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 will promptly investigate, notify you of our findings, and, if warranted, send an update to the credit bureaus within 30 days. Whet t. do if yor Mbar you find an emir on your statement If you think there is an error on your statement, please write to us at: UBS Bank USA • Card Operations Division 315 Deaderick Street, 5th Floor Nashville, TN 37238 0201 I UBS Bank USA In your letter, give us the following information: • Account infonnatba: your name and account number • Dam roman the dollar amount of the suspected error • Description of problem: if you think there is an error on your bill, describe what you believe is wrong and why you believe it 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 writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if 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. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your rights if you are dissatisfied with your credit card purchases If you are dissatisfied math the goods or services that you have purchased with your credit card and you have tried in 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 in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed 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 ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all the criteria above are met and you are still dissatisfied with the purchase, contact us in walling at: UBS Bank USA - Disputes Department P.O. Box 84040 Columbus, GA 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 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, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. CONFIDENTIAL SDNY_GM_00008840 EFTA01596762 • Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $917.74 is scheduled to be paid on 11/18/18 from your UBS Account. Thank you. Shop for your holiday gift-giving needs and use your My Choice Rewards points online to do it. Find everything from gift cards for fine dining and premium retail to the latest in luxury goods or gadgets. Book your holiday travel or buy what you want and redeem for a statement credit. Explore the range of options on the rewards web site at ubs.com/mycardbenefits. SUBS Statement BEng Period: 09/27/18 - 10/26/18 Payment Due Date November 23,2018 Minimum Payment Due S35.00 UBS Visa Signature credit card statement Prepared for: Gila/ONE MAXWELL Primary Card Number Encing in: Account Summary Minimum Payment Due Payment Credit Line Available Credit L Cash Credit Line Available Cash Line Past Due Amount Overlimit Amount St — Payment Information* Statement Balance Minimum Payment Due Payment Due Date Page t of 4 Questions? Call 1-800-762-1000 ubs.convonlineseMces Activity Summary $35.00 Pie \ nous Balance $5,021.88 ' - Payne $35,000.00 + Purchases 1917.74 - Other Credits + Cash Advances $0.00 $0.00 S 4.300.00 $14,000.00 + Fees $0.00 So.co + Interest $0.00 Statement Balance $917.74 5917.74 $35.00 11/23/2018 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 Waming: 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 If you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about... And you will end up paying the estimated total of... Only the Minimum Payment I 3 years 41,157 If you would like information about credit counseling services, call 1-800-762-1000. The phone number for 1185 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.comtonlineservices. Detach here. Please make checks payable to • UBS Card Services' and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U.S. Postal Service delivery it undeliverable, UBS BANK USA PO BOX 84040 COLUMBUS GA return to: • CARD SERVICES 31908.4040 GHISLAINE MAXWELL SUBS Card Number Ending in Minimum Payment Due $35.00 Statement Balance $917.74 Payment Due Date November 23, 2018 You are enrolled in Automated Pay Credit Card. Send payments to: UBS BANK USA • CARD SERVICES PO BOX 203219 DALLAS TX 75320.3219 CONFIDENTIAL 0000003500 2 SIDNYGM_00008841 EFTA01596763 Important Information about your UBS credit card Lost or stolen card. Your credit card Is issued by UBS Bank USA. If Li! -.toren, please contact us immediately at any time at 1-888-/u2-1232 for the UBS Visa Infinite credit card or I.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 occurs before your notice to us. In any case, your liability will not exceed $50. Paynt Internet's'.. Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Due Date. Both the Minimum Payment Due and Payment Due 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 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 than one payment in a billing cycle, 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 payable to UBS Card Services. Please allow 7 days for the U.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 which your payment is drawn me collected and not returned. When you provide a check as payment on this Account, you authorize us to either use the information from your check to make a one-time 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 electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. For inquiries, please call 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762-1000 for the UBS Visa Signature credit card. Maned Payments. A conforming payment received by us by 5:00 p.m. Central time will be credited to your account the day of receipt. A 'conforming payment' is a payment that: 1) is mailed using the enclosed envelope and payment coupon included with this statement to UBS Bank USA - Card Services, P.O. Box 203219, Dallas, TX 75320-3210 and 2) is in the form of a single, non-folded check or money order made payable in US dollars from a US 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 'nonconforming 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 'Paid in Full' or language having the same effect without losing any of our rights under this Agreement and such payments may be sent to the following address: UBS Bank USA - Card Services, P.O. Box 203219, Dallas, TX, 75320-3210. Other menet options. Oman: Visit ubscomionlineservices to sign up for Pay Credit Card to pay your account online. Payments made through Pay Credit Card will be credited to your account that same day if requested prior to 4:00 p.m. Eastern time for debits from an external account and 6:00 p.m. Eastern time for debits from a UBS Resource Management Account (RMA) or UBS Business Services Account BSA account. Available onty for cardholders with an RMA or UBS Business Services Account BSA. Pay by Phone: To make a payment by phone, please call 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 account by 5:00 p.m. Eastern time will be credited to your account same day. Payments made from your UBS account by 6:00 p.m. Eastern time are also credited same day. Application of any phone payment to your credit line may be delayed for up to 7 days. Overnight payments: Send overnight courier service or USPS Priority Mail payments to UBS Bank USA - Card Services, 2975 Regent Boulevard, 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 conforming payment will be credited to your account that same day. Automatic repayment of cash advances threat CashConnect The CashConnect feature on your UBS credit card account will automatically repay new Cash Advances obtained from ATMs and financial institutions (CashConnect Cash Advances), each night, with available funds from your UBS Resource Management Account (RMA) or your UBS Business Services Account BSA (either referred to as your UBS Account). When we use your UBS Account to repay your CashConnect Cash Advance transaction in full, you will not incur any interest charges. If there are insufficient funds in your UBS Account to pay off your CashConnett Cash Advances balance in full, then the APR for your Cash Advances will apply as of the original transaction date on any remaining balance. You will be charged the APR on Cash Advances on your remaining CashConnect Cash Advance balance until it is repaid in full. Applicable ATM 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 UBS Visa Infinite credit card or 1.800.762.1000 for the UBS Visa Signature credit card. Available only (or cardholders with an RMA or Business Services Account BSA. Accrual of Interest and hem to avoid plying Stemst on purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance from your previous billing statement by the Payment Due Date on that statement, then (I ) we will not impose interest on Purchases during your current Continued on back of next page 03030303 • 012532 • 0301 • 0002 • CONFIDENTIAL SDNY_GM_00008842 EFTA01596764 Page 3 of 4 My Choice Rewards Points from UBS Account Summary Total Points Beginning Points this period 83,80 Points earned this period 91 Bonus points Adjustments Redemptions Ending points balance 84,72 •For more details on your rewards points activity, please visit us online at ubs.conVuscards Activity for GHtSLNNE MAXWELL - Card ending in Date Description Payments 10/18 PAYMENT THANK YOU Total Payments Activity Purchases 10/04 CLOUDFLARE 650-3198939 CA 10/09 MAILCHIMP •MONTHLY MAILCHiMP.COMGA 10/19 BUFFER AWESOME MONTHLY HliPSBUFFER.CCA Total Purchases Activity Amount -55.021.88 -55,021.88 $200.05 $707.69 $10.00 5917.74 2018 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2018 Total Interest Charged in 2018 Interest Charge Calculation - 30 Days in Billing Cycle $0.00 50.00 Balance Subject to Interest Rate PURCHASES 5300 17.24% $0.00 BALANCE TRANSFERS 50.00 17.24% 0.0 $0.00 CASH ADVANCES $0.00 24.24% hel $0.00 ANNUAL PERCENTAGE RATE (APR) Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00008843 EFTA01596765 Page 4 of 4 billing period if you pay the Statement Balance on the current billing statement by the Payment Due Date in the current billing period, and (2) we will credit any payment applied toward Purchases as of the first day in your current billing period if you make a payment by the Payment Due Date in the current billing period that is less than the Statement Balance. If a Statement Balance was shown on your previous billing statement and you did not pay the Statement Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the Statement Balance shown on the current billing statement by the Payment Due Date in the current billing period. For Balance Transfers, interest will accrue from the day we send the Balance 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. How we will calculate your balance subject t. Interest rate. We use a method called 'daily balance" (including new purchases). To determine the amount of interest to be charged on your Account, we first calculate the 'Balance Subject to Interest Rate" separately for Purchases, for Balance Transfers, and for Cash Advances. We apply the applicable Daily Periodic Rate or the DPR (the DPR for each category is the applicable APR shown on the front of the statement divided by 365). to each of the applicable daily balances for i) Purchases, ii) Balance Transfers, and iii) Cash Advances. The daily balances for Purchases, for Balance 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 previous day's balance, add to the respective balances any new transaction, subtract any payments or credits and make any other applicable adjustment(s). Your Cardmember Agreement provides for compounding of interest. A credit balance is treated as a balance of zero. If you multiply the "Balance Subject to Interest Rate' for each balance category as shown on your monthly billing statement by the number of days in the billing period and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for minor variations caused by rounding. Credit bureau reports and disputes. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau directly or contact us at UBS Bank USA, Card Operations Division, 315 Deaderick Street, 5th floor, Nashville, TN 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 will promptly investigate, notify you of our findings, and, if warranted, send an update to the credit bureaus within 30 days. Whet t. do M yam think you find an emir on your statesman If you think there is an error on your statement, please write to us at: UBS Bank USA • Card Operations Division 315 Deaderick Street, 5th Floor Nashville, TN 37238 C2011 UBS Bank USA In your letter, give us the following information: • Account Infannatba: your name and account number • oabs roman the dollar amount of the suspected error • Description of problem: if you think there is an error on your bill, describe what you believe is wrong and why you believe it 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 writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if 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. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We ran apply any unpaid amount against your credit hint Your rights if you are dissatisfied with your credit card purchases If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in 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 in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed 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 ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all the criteria above are met and you are still dissatisfied with the purchase, contact us In welling at: UBS Bank USA - Disputes Department P.O. Box 84040 Columbus, GA 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 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, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. 8 8 4 0 CONFIDENTIAL SDNY_GM_00008844 EFTA01596766