EFTA Document EFTA01596925

Customer News Pay Credit Card reminder Your payment in the amount of $95.68 is scheduled to be paid on 5/18/15 from your UBS Account. Thank you. SUBS Statement Billing Period: Payment Due Date Minimum Payment Due UBS Visa Signature® credit card statement Prepared for: GHISLAWE MAXWELL Primary Card Number Encing in: ME Account Summary Minimum Payment Due $35 CO Date 05/23/15 Credit Line Mile Credit Line Cash Credit Line lire Cash Line $14,000.00 Past Due Amount $35,000 CO $34,502.77 114.COO.00 50 .00 $0.00 Lovedimit Amount Payment Information* Statement Balance Minimum Payment Due Payment Due Date 03/27/15- 04/26/15 May 23, 2015 S35.00 Page 1 of 4 Questions? Call 1-800-762-1000 ubs.coreforsinesenrices Activity Summary ?fey ous Balance - Payments + P-.1,(!idses $586.62 KIDD' - Other C re + Cash Advances $0.00 I + Fees + Interest IStatement Balance $497.23 $497.23 $35.00 05/23/2015 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of 27.24%. 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 I II If you make no additional charg You will pay off the bale s card and each mon shown on this statement I And you will end up paying the u about... estimated total pay... Only the Minimum Payment 16 months $543 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.dh.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 cnecks 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. UBS BANK USA CARD SERVICES PO BOX 84040 COLUMBUS GA 31908.4040 GHISLAINE MAXWELL UBS Card Number Ending in Minimum Payment Due $35.00 Statement Balance 3497.23 Payment Due Date May 23, 2015 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 DENIi 0000003500 5 SDNY_GM_00009003 EFTA01596925 losperaat Information Lest or stolen card: Your credit card is issued by UBS Bank USA. If your card is lost or stolen, please contact us immediately at 1-800-762-1000 at any time. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthonzed use that occurs before your notice to us. In any case, your liability will not exceed 550. 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 caw 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 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 yam payment Is drawn are collected and not returned. V.,tien you provide a check as payment on this Account, you autrionze 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 1-800-762-I 000. Moiled 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: Online: Visit ubs.comlonlinesenrices to sign up for Pay Credit Card to pay your account online. Payments made on our website by 6:00 p.m. Eastern time will be credited to your account that same day. Available only for cardholders with a UBS Resource Management Account (RMAea) or UBS Business Services Account BSA 110. Pay by phone: To make a payment by phone please call 1-800-762-1000. An expedited payment made by phone by 5:00 p.m. Eastern time will be credited to your account that same day, and reflected in your credit line by the next day. You can also make a phone payment from your UBS account as late as 6:00 p.m. Eastern time. This payment will be credited as of that same day, but application to your credit line may be delayed. Overnight payments: Send overnight courier service a USPS Prionty Mail payments to UBS Bank USA--Card Services, 2975 Regent Boulevard, P.O. Box 203219, Inang: 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. *retrainee repayment of cash advances through CashCoanect 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 IRMA or your UBS Business Services Account BSA ®(either referred to as your UBS Account). You will incur no interest charges on CashConnect Cash Advances: as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance transaction in full when we first seek payment from your UBS Account. If sufficient available funds are not available in your UBS Account to pay off your CashConnect Cash Advances balance in full, then the APR for 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 UBS at 1-800.762-1000. Available only for cardholders with a UBS Resource Management Account or UBS Business Services Account BSA. Accrual of Interest and how to avoid paying Interest en pairclnes. 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 that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose interest on Purchases during your current Continued on back of next page 8 8 8 8 CONFIDENTIAL SDNY_GM_00009004 EFTA01596926 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 1,744 Points earned this period 0 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 1,744 •For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHISIAINE MAXWELL - Card endmg in a Date Payments 04/17 Desoip6as PAYMENT THANK YOU Total Payments Activity Amount -$95.68 -$95.68 Summary of Fees and Interest Interest Charged Date Description Amount 04/24 INTEREST CHARGE-PURCHASE< $6.29 TOtaLlInterest for this period 2015 Totals Year-to-Date Summary of Fees and Interest Total Fees Charger.] in 2015 $ODO Total Interest Charged in 2015 $26.31 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) PURCHASES $558.91 13.24% (v) $6.29 BALANCE TRANSFERS $0.00 13.24% $0.00 CASH ADVANCES $0.00 21.99% (v) $0.00 Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate Customer Notifkations Make your payment online Set up one-time or recurring monthly payments via our online Pay Credit Card feature on UBS Online Services. It's a quick, safe, easy and secure way to pay your monthly credit card bill. Log in at www.ubs.com/onlineservices, and go to Cash Management > Card Services > Pay Credit Card. CONFIDENTIAL SDNY_GM_00009005 EFTA01596927 Page 4 of 4 billing penod 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 penod 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 to interest rate. We use a method called -daily balance' (inciudny new purchases). To determine the amount of the 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 (the DPR) (the DPR for each category is the applicable APR shown on the front of the statement dmded by 365), to each of the applicable daily balances for i) Purchases, u) Balance Transfers and iii) Cash Advances. The daily balances foe 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 penod and then multiply each sum by the applicable OPR, the results will be the interest assessed, except for mince 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, 1000 Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request your name; your account number; the credit bureau where you received the credit report; a descnption of the error; and why you believe it is an error. We will promptly investigate, notify you of our findings, and send an update to the credit bureaus if warranted within 30 days. Wbat to do If you tbkok you flood a 'mistake on yaw st•tooment If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Denson 1000 Harbor Boulevard, 8th Floor Weehawken, NJ 07086 C2011 UBS Bank USA In your letter, give us the • ng information: Account Information: Your name and account number. Dollar amount: • : .dr amount of the suspected error. Description of problem: if you think there is an error on your cesythe rvaat you oel.ee 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 is keesidetee. 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, the following are true: 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 a 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. Vow rights If you are dissatisfied with year 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: I. 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 S50. (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 of the criteria above are met and you are still dissatisfied with the purchase, contact us is willing 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 discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. 2 8 8 CONFIDENTIAL SDNY_GM_00009006 EFTA01596928 Customer News Pay Credit Card reminder Your payment in the amount of $95.68 is scheduled to be paid on 4/1 8/1 5 from your UBS Account. Thank you. Shop for your springtime gift-giving needs, and use your points to do it, on the newly redesigned My Choice Rewards web site. Find gift cards for fine dining and premium retail, browse the latest in trendy goods and the latest gadgets. book your summer travel or redeem for a statement credit at ubs.com/onlineservices. Just click "View Rewards' on the Cash Management tab. SUBS Statement Billing Period Payment Due Date Minimum Payment Due UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Primary Card Number Ending in: a Account Summary Minimum Payment Due $35.00 Payment Due Date riTIWISM C •eril Line Available Credit Line Cash. Credit Line Available Cash. line. $14,000.00 Past Due Amount 135,000.00 $34,413.38 114.000.00 50.00 02127!15- 03/26/15 April 23, 2015 535.00 Page 1 of4 Questions/ Call 1-800-762-1000 ubs.corn/onineservices Activity Summary Previous Balance + Purchases + Fees I Statement Balance $675.71 sum I 5596.62 I Payment Information* Statement Balance $586.62 Minimum Payment Due $35.00 Payment Due Date 04/23/2015 Late P4n.mt Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of 27.24%. 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 You will pay off the balance Sing this card and each month shown on this statement in u pay about... And you will end up paying the estimated total of... Only the Minimum Payment 19 months $652 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. 1-800-302-3736 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.com/onlineservices. Detach here. Please make checks payable to •UBS Card Service( and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U.S. Postal Service delivery. UBS BANK USA • CARD SERVICES PO BOX 84040 COLUMBUS GA 31908.4040 GHISLAINE MAXWELL UBS Card Number Ending in Minimum Payment Due Statement Balance Payment Due Date IMO $35.00 8586.62 You are enrolled in Automated Pay Credit Card. Send payments to: UBS BANK USA • CARD SERVICES PO BOX 203219 DALLAS DC 753204219 April 23, 2015 CONFIDENTIAL 0000003500 5 SDNY_GM_00009007 EFTA01596929 Important Information 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 1-800-762-1000 at any time. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthonzed use that occurs before your notice to us. In any case, your liability will not exceed 550. 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 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 yam payment Is drawn are collected and not returned. v.",,en you provide a check as payment on this Account, you autrionze 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 1-800-762-1000. Moiled 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: Online: Visit ubs.comlonlinesenrices to sign up for Pay Credit Card to pay your account online. Payments made on our website by 6:00 p.m. Eastern time will be credited to your account that same day. Available only for cardholders with a UBS Resource Management Account (RMAea) or UBS Business Services Account BSA 110. Pay by phone: To make a payment by phone please call l-800-762-1000. An expedited payment made by phone by 5:00 p.m. Eastern time will be credited to your account that same day, and reflected in your credit line by the next day. You can also make a phone payment from your UBS account as late as 6:00 p.m. Eastern time. This payment will be credited as of that same day, but application to your credit line may be delayed. Overnight payments: Send overnight courier service or USPS Prionty 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. thatwasath repayment of cash advances through CashCoanect 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(1) or your UBS Business Services Account BSA ®(either referred to as your UBS Account). You will incur no interest charges on CashConnect Cash Advances: as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance transaction in full when we first seek payment from your UBS Account. If sufficient available funds are not available in your UBS Account to pay off your CashConnect Cash Advances balance in full, then the APR for 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 UBS at 1-800-762-1000. Available only for cardholders with a UBS Resource Management Account or UBS Business Services Account BSA. Accrual of Interest and how to avoid paying Interest en poshest's. 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 that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose interest on Purchases during your current Continued on back of next page 88 8 8 8 8 CONFIDENTIAL SDNY_GM_00009008 EFTA01596930 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 1,744 Points earned this period 0 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 1,744 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity la GHISLAINE MAXWELL - Card ending in M I Date Desaipticn Amount Payments 03/18 PAYMENT THANK YOU -$95.68 Total Payment Activity -$95.68 Summary of Fees and Interest Interest Charged Date 03/26 _ST CHARCE HASES kite k for this perbd S6.59 Description Amount S,. 2015 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2015 $ODO Total Interest Charged in 2015 $20.02 Interest Charge Calculation - 28 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE interest Rate RATE (APR) PURCHASES 4648.23 13.24% (v) $6.59 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES $0.00 21.99% (v) $0.00 Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00009009 EFTA01596931 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing statement by the Payment Due Date in the current billing period, and (2) vm will credit any payment applied toward Purchases as of the first day in your current billing penod 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 to interest rate. We use a method called "daily balance' (inciudtny new purchase5). To determine the amount of the 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 (the OPR) (the DPR for each category is the applicable APR shown on the front of the statement dmded by 365), to each of the applicable daily balances for 4 Purchases, u) Balance Transfers and iii) Cash Advances. The daily balances fa 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 penod and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for minty 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, 1000 Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. 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 send an update to the credit bureaus if warranted within 30 days. Wbat to do If you think you find a 'mistake on yaw statesman If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Denson 1000 Harbor Boulevard, 8th Floor Weehawken, NJ 07086 C2011 UBS Bank USA In your letter, give us thu • rig information: Account Information: Your name and account number. Dollar amount: • ar amount of the suspected error. Description of problem: If you think there is an error on your ces:rthe rvaat you oel.ee 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 is smiting. 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, the following are true: 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 a 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. Vow rights if you are dissatisfied with yew credit card pines 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: I. 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 S50. (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 of the criteria above are met and you are still dissatisfied with the purchase, contact us is wsmkbajp at: UBS Bank USA--Disputes Department P.O. Box 84040 Columbus, GA 31908 While vte investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. 8 CONFIDENTIAL SDNY_GM_00009010 EFTA01596932 Customer News View your card account activity. download credit card statements an more at ubs.com lonlineservices in the cash management tab. Pay Credit Card reminder Your payment in the amount of $9 5.6 8 is scheduled to be paid on 3/1 8/1 5 from your UBS Account. Thank you. SUBS Statement Billing Period: Payment Due Date Minimum Payment Due UBS Visa Signature® credit card statement Prepared for: GHISUUNE MAXWELL Primary Card Number Encfmg in: Account Summary Minimum Payment Due $35.00 men ue•a Credit Line $35,000.00 Available Credit Line $34,32 Cash Credit Line $14,000.00 Available Cash Line $14, Past Due Amount Overlimit Amount _JINN $0.00 s0.00 Payment Information* Statement Balance Minimum Payment Due Payment Due Date 01/27/15 - 02/26/1S March 23, 2015 535.00 Page 1 of 4 Questions? Call 1-800-762-1000 ubs.conVorthrieservices Activity Summary Previous Balance $496.46 + Purchases + Fees Statement Balance $267.56 $675.71 I $675.71 $35.00 03/23/2015 late • t Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to 535.00 and your APRs may be increased to the Penalty APR of 27.24%. 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 You will pay off the balan sing this card and each month shown on this statement i u pay about... Only the Minimum Payment 22 months $763 If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA is I-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.dh.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 cnecks payable to 'UBS Card Services and include this payment coupon in the enclosed envelope. Please allow 7 10 business days for US. Postal Service delivery. UBS BANK USA - CARD SERVICES PO BOX 84040 COLUMBUS GA 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 lo: UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 $35.00 $675.71 March 23, 2015 CON F I D E N 3 1 1 1 1 A L 5 0000003500 5 SDNY_GM_00009011 EFTA01596933 Important Information Lest or stolen said: Your credit card is issued by UBS Bank USA. If your card is lost or stolen, please contact us immediately at 1-800-762-1000 at any time. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthonzed use that occurs before your notice to is In any case, your liability will not exceed 550. 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 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 yam payment Is drawn are collected and not returned. ti; ,Ien you provide a check as payment on this Account, you autuonze 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 1-800-762-1000. Moiled 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: Online: Visit ubs.comIonlineservices to sign up for Pay Credit Card to pay your account online. Payments made on our website by 6:00 p.m. Eastern time will be Credited to your account that same day. Available only for cardholders with a UBS Resource Management Account (RMA4, or UBS Business Services Account BSA O. Pay by phone: To make a payment by phone please call 1-800-762-1000. An expedited payment made by phone by 5:00 p.m. Eastern time will be credited to your account that same day, and reflected in your credit line by the next day. You can also make a phone payment from your UBS account as late as 6:00 p.m. Eastern time. This payment will be credited as of that same day, but application to your credit line may be delayed. Overnight payments: Send overnight courier service or USPS Prionty 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. Arsteasaffc repayment of cash advances through Cashruanect 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 IRMA or your UBS Business Services Account BSA ®(either referred to as your UBS Account). You will incur no interest charges on CashConnect Cash Advances, as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance transaction in full when we first seek payment from your UBS Account. If sufficient available funds are not available in your UBS Account to pay off your CashConnect Cash Advances balance in full, then the APR for 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 UBS at 1-800-762-1000. Available only for cardholders with a U85 Resource Management Account or UBS Business Services Account BSA. Accrwil of Interest and hew 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 that was shown on 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 8 a, 8 a 8 8 8 CONFIDENTIAL SDNY_GM_00009012 EFTA01596934 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 1,475 Points earned this petiod 269 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 1.744 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity fa GHISLAINE MAXWELL - Card earwig in Date Payments Desoip6cn Amount 02/18 PAYMENT THANK YOU -$95.68 Total Payments Activity -595.68 Purchases 01/27 MARLBORO MARKET BOSTON MA $95.01 01/27 DUALITY MARTINC BOSTON MA 533.51 02/05 MARLBORO MARKET BOSTON MA $6254 02/23 ESPA CORP NEW YORK NY $7650 Total Purchases Activity 5267.56 Summary of Fees and Interest Interest Charged Date Description Amount C2/2, INTEREST C!ARGE-PURCHASES 57.37 Total Interest for this periodl irn j 2015 Totals Year-to-Date Summary of Fees and Interest A Total Fees Charged in 2015 $0.00 Total Interest Charged in 2015 $13.43 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) Interest Charge PURCHASES $655.00 13.24% (Y) $7.37 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES $0.00 21.99% (v) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00009013 EFTA01596935 Page 4 of 4 billing penod 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 penod 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 to interest rate. We use a method called "daily balance' (includny new purchase5). To determine the amount of the 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 (the DPR) (the DPR for each category is the applicable APR shown on the front of the statement droded by 365), to each of the applicable daily balances for i) Purchases, Balance Transfers and iii) Cash Advances. The daily balances fa 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 days 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 penod and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for mince 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, 1000 Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request your name; your account number; the credit bureau where you received the credit report; a descnption of the error; and why you believe it is an error. We will promptly investigate, notify you of our findings, and send an update to the credit bureaus if warranted within 30 days. Mat to do If you tbkok you flood a 'mistake on yaw 'tetanal If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Dmpon 1000 Harbor Boulevard, 8th Floor Weehawken, NJ 07086 e2011 UBS Bank USA In your letter, give us thu • ng information: Account Information; Your name and account number. Dollar amount: • ar amount of the suspected error. Description of problem: If you think there is an error on your cesythe valat you oel.ee 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 is 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, the following are true: 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 a 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. Vow rights If you are dissatisfied with year 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: I. 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 S50. (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 of the criteria above are met and you are still dissatisfied with the purchase, contact us is willing 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 discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. 8 CONFIDENTIAL SDNY_GM_00009014 EFTA01596936 Customer News An annual summary statement which includes all of your credit card account activity from 2014 is available online. To view the statement logon to your UBS Online Services account. The card services menu can be found in the cash management section. • Pay Credit Card reminder Your payment in the amount of $ 9 5.6 8 is scheduled to be paid on 2/1 871 5 from your UBS Account. Thank you. Ce:ach here. Pease make cn SUBS Statement Billing Period: Payment Due Date Minimum Payment Due UBS Visa Signature® credit card statement Prepared for: GHISLAJNE MAXWELL Primary Card Number Ending in: 12/27/14 - 01/26/15 February 23, 2015 S35.00 Page 1 of 4 questions? Call 1-800-762-1000 ubs.com/onbneseryices Account Summary Minimum Payment Due 435 CO Activity Summary Previous Balance $544.08 I Payment Due Date 02/23/15 Payments C red _vie $35,000 CO + $42.00 Available Credit Line $34,503.54 - Other Credits Cash Crew! Luse CO + Cash Advances Available Cash Line $14,000.00 + Fees $0.00 I Past 11;Le Amon.': S007 + Interest Overlimit Amount $0.00 Statement Balance $496.46 Payment Information* Statement Balance Minimum Payment Due Payment Due Date $496.46 $35.00 02/23/2015 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 S35.00 and your APRs may be increased to the Penalty APR of 27.24%. 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 sing this card and each month You will payoff the balance shown on this statement in about... 1 And you will end up paying the estimated total of... Only the Minimum Payment 16 months SS43 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. payalYe to UBS Card Services and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U.S. Fecal Service delivery. UBS BANK USA CARD SERVICES PO BOX 84040 COLUMBUS GA 31908.4040 GHISLAINE MAXWELL UBS Card Number Ending in Minimum Payment Due $35.00 Statement Balance $496.46 Payment Due Date February 23, 2015 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 DEN31111a5 0000003500 5 SDNY_GM_00009015 EFTA01596937 Important Infonnetion Lest or stolen card: Your credit card is issued by UBS Bank USA. If your card is lost or stolen, please contact us immediately at 1-800-762-1000 at any time. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthonzed use that occurs before your notice to us. In any case, your liability will not exceed 550. 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 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 year payment Is drawn are collected and not returned. When you provide a check as payment on this Account, you aunionze 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-W0-762-1000. Moiled 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: Online: Visit ubs.comlonlineservices to sign up for Pay Credit Card to pay your account online. Payments made on our website by 6:00 p.m. Eastern time will be credited to your account that same day. Available only for cardholders with a UBS Resource Management Account (RMA4, or UBS Business Services Account BSA 110. Pay by phone: To make a payment by phone please call I-800-762-1000. An expedited payment made by phone by 5:00 p.m. Eastern time will be credited to your account that same day, and reflected in your credit line by the next day. You can also make a phone payment from your UBS account as late as 6:00 p.m. Eastern time. This payment will be credited as of that same day, but application to your credit line may be delayed. Overnight payments: Send overnight courier service or USPS Prionty 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. Aretwanaffc 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 IRMA or your UBS Business Services Account BSA ®(either referred to as your UBS Account). You will incur no interest charges on CashConnect Cash Advances: as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance transaction in full when we first seek payment from your UBS Account. If sufficient available funds are not available in your UBS Account to pay off your CashConnect Cash Advances balance in full, then the APR for 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 UBS at 1-800.762-1000. Available only for cardholders with a U85 Resource Management Account or UBS Business Services Account BSA. Accrwil of Interest and hew to avoid paying Interest en sardines. 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 that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose interest on Purchases during your current Continued on back of next page S 8 8 8 8 0 CONFIDENTIAL SDNY_GM_00009016 EFTA01596938 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 1,433 Points earned this period 42 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance I.475 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity fa GHISLAINE MAXWELL - Card encfmg in i n Date Desoipticn Amount Payments 01/16 PAYMENT THANK YOU -$9868 Total Payments Activity -S9S.68 Purchases 01/08 ESPA CORP NEW YORK NY $42.00 Total Purchases Activity S42.00 Summary of Fees and Interest Interest Charged Date Description Amount 01/26 INTEREST CHARGE-PURCHASES 56 06 Total Interest for this period 56.06 2015 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2015 Total Interest Charged in 2015 Interest Charge Calculation -31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) PURCHASES 4538.86 13.24% (v) $6.06 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES $0.00 21.99% (v) $0.00 Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00009017 EFTA01596939 Page 4 of 4 billing penod 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 penod 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 to interest rate. We use a method called "daily balance' (includtny new purchases). To determine the amount of the 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 (the OPR) (the DPR for each category is the applicable APR shown on the front of the statement dmded by 365), to each of the applicable daily balances for i) Purchases, 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 penod and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for minor variations caused by rounding. Oedk 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, 1000 Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request your name; your account number; the credit bureau where you received the credit report; a descnption of the error; and why you believe it is an error. We will promptly investigate, notify you of our findings, and send an update to the credit bureaus if warranted within 30 days. Mat to do If you flask you flood a 'mistake on yaw 'tetanal If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Dmpon 1000 Harbor Boulevard, 8th Floor Weehawken, NJ 07086 02011 UBS Bank USA In your letter, give us the • ng information: Account Information: Your name and account number. Dollar amount: • ..:war amount of the suspected error. Description of problem: If you think there is an error on your cesythe rvaat you oel.ee 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 is welling. 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, the following are true: 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. Veer rights If you are dissatisfied with yew credk card powdoases 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: I. 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 S50. (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 of the criteria above are met and you are still dissatisfied with the purchase, contact us is wirleing 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 discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. 8 CONFIDENTIAL SDNY_GM_00009018 EFTA01596940 Customer News Pay Credit Card reminder Your payment in the amount of $95.68 is scheduled to be paid on 1/18/15 from your UBS Account. Thank you. Make life easier while earning rewards: Set up your recurring monthly bills for automatic payment with your UBS Visa Signature credit card. Not only will you earn rewards for each dollar spent. you'll have the convenience of writing fewer checks since your payments are automatically made with your card. Simply contact your providers to get started. SUBS Statement Billing Period: Payment Due Date Minimum Payment Due UBS Visa Signature® credit card statement Prepared for: GHISLIUNE MAXWELL Primary Card Number Encfmg Account Summary I Minimum Payment Due payment Due Date $35.00 Credit Line Available Credit L Cash Credit Line Past Due Amount $35,000.00 $14,000.00 $0.00 Payment information* Statement Balance Minimum Payment Due Payment Due Date + Fees $0.00 11/27/14 - 12/26/14 January 23, 2015 535.00 Page 1 of 4 Questions? Call 1-800-762-1000 ubs.com/onaneservices Activity Summary Previous Balance 4289.37 1344.52 Statement Balance $544.08 $544.08 $35.00 01232015 Late Pdyrnent Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of 27.24%. 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 You will pay off the balance sing this card and each month shown on this statement in u pay about... And you will end up paying the estimated total of... Only the Minimum Payment 18 months $600 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- I 000. 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.com/onlineservices. Detach here. Please make ciecks payable to UBS Card Service( and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U.S. Postal Service delivery. UBS BANK USA • CARD SERVICES PO BOX 84040 COLUMBUS GA 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 to: UBS BANK USA • CARD SERVICES PO BOX 203219 DALLAS DC 753204219 $35.00 $544.08 January 23, 2015 CON F I D E A L S 0000003500 5 SDNY_GM_00009019 EFTA01596941 Important Infonnetion Lost or stolen cad: Your credit card is issued by UBS Bank USA. If your card is lost or stolen, please contact us immediately at 1-800-762-1000 at any time. 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 is In any case, your liability will not exceed 550. 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 ewe 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 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 parr payment Is drawn are collected and not returned. ti; ,Ien you provide a check as payment on this Account, you aunionze 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 1-800-762-1000. Moiled 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: Online: Visit ubs.comlonlinesewices to sign up for Pay Credit Card to pay your account online. Payments made on our website by 6:00 p.m. Eastern time will be credited to your account that same day. Available only for cardholders with a UBS Resource Management Account (RMA4, or UBS Business Services Account BSA 110. Pay by phone: To make a payment by phone please call I-800-762-1000. An expedited payment made by phone by 5:00 p.m. Eastern time will be credited to your account that same day, and reflected in your credit line by the next day. You can also make a phone payment from your UBS account as late as 6:00 p.m. Eastern time. This payment will be credited as of that same day, but application to your credit line may be delayed. Overnight payments: Send overnight courier service a USPS Prionty 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. Ariteasaffc repayment of cash advances through Cashreanect 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 IRMA or your UBS Business Services Account BSA ®(either referred to as your UBS Account). You will incur no interest charges on CashConnect Cash Advances: as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance transaction in full when we first seek payment from your UBS Account. If sufficient available funds are not available in your UBS Account to pay off your CashConnect Cash Advances balance n full, then the APR for 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 UBS at I-800-762-1000. Available only for cardholders with a U85 Resource Management Account or UBS Business Services Account BSA. Accrual of Interest and hew to avoid paying Interest en perchance. 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 that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose interest on Purchases during your current Continued on back of next page 8 S 8 8 8 CONFIDENTIAL SDNY_GM_00009020 EFTA01596942 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 1,087 Points earned this petiod 346 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 1,433 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHISLAINE MAXWELL - Card ending in I. Date Payments Desoiptias Amount 12/18 PAYMENT THANK YOU -595.68 Total Payments Activity -595.68 Purchases 11/28 ESPA CORD NEW YORK NY 579.50 12/02 STARBUCKS #18509 NEW YORKNew York NY 53.54 12/03 STARBUCKS #18509 NEW YORKNew York NY 54.30 12/04 STAPLES 00153221 NEW YORK NY 5203.78 12/05 STAPLES 00153221 NEW YORK NY $6.53 12/06 FEDEX 840112804781 800-4633339 TN 513.60 12/07 TOTAL sMNE AND MORE 303 RIVER EDGE NJ S33.27 Total Purchases Activity S344.52 Summa of Fees and Interest Interest Charged Date 12/26 INTEREST CHAR( Description Amount $5 .87 I BMIllan for this period 55.87 2014 Totals Year-to-Date Summary of Fees and Interest Total Fees C dryec r: 2011 Total Interest Charged in 2014 522.07 10.00 Interest Charge Calculation - 30 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) Interest Charge PURCHASES 5539.28 13.24% (v) 55.87 BALANCE TRANSFERS 50.00 13.24% M 50.00 CASH ADVANCES 50.00 21.99% (v) 50.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00009021 EFTA01596943 Page 4 of 4 billing penod 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 penod 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 to interest rate. We use a method called "daily balance' (includtny new purchases). To determine the amount of the 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 (the OPR) (the DPR for each category is the applicable APR shown on the front of the statement dmded by 365), to each of the applicable daily balances for i) Purchases, 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 penod and then multiply each sum by the applicable OPR, the results will be the interest assessed, except for mince variations caused by rounding. Oedk 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, 1000 Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request your name; your account number; the credit bureau where you received the credit report; a descnption of the error; and why you believe it is an error. We will promptly investigate, notify you of our findings, and send an update to the credit bureaus if warranted within 30 days. Wbat to do If you Oink you fled a 'mistake en yew 'tetanal If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Dmpon 1000 Harbor Boulevard, 8th Floor Weehawken, NJ 07086 C2011 UBS Bank USA In your letter, give us the • ng information: Account Information: Your name and account number. Dollar amount: • : .dr amount of the suspected error. Description of problem: If you think there is an error on your cesythe rvaat you oel.ee 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 is welling. 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, the following are true: 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. Veer rights If you are dissatisfied with goer credit card pees 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: I. 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 S50. (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 of the criteria above are met and you are still dissatisfied with the purchase, contact us In writing 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 discussed above. After we finish our investigation, we will tell you our decision. At that point if we think you owe an amount and you do not pay, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. IC 8 CONFIDENTIAL SDNY_GM_00009022 EFTA01596944 Customer News Pay Credit Card reminder Your payment in the amount of $95.68 is scheduled to be paid o 1 2/1 8/1 4 from your UBS Account Thank you. Shop for your holiday gift-giving needs. and use your points to do it. on the newly redesigned My Choice Rewards web site. Find gift cards for fine dining and premium retail, browse the latest in luxury goods and trendy gadgets. book your holiday travel at ubs.com/onlineservices or buy what you want and redeem for a statement credit. Just log into your Online Services at ubs.com and click "View Rewards" on the Cash Management tab. SUBS Statement Billing Period: Payment Due Date Minimum Payment Due UBS Visa Signature® credit card statement Prepared for: GHISUUNE MAXWELL Primary Card Number Ending in: Account Summary Minimum Payment Due $35.00 ue•a Credit Line 535,000.00 able Credit Line $34,71 Cask Credit Line $14,000.00 ble Cash Line $14,' . Past Due Amount int Amount $0.00 $0.00 Payment Information* Statement Balance Minimum Payment Due Payment Due Date IStatement Balance 10/27/14 - 11/26/14 December 23, 2014 535.00 Page 1 of 4 Questions? Call 1-800-762-1000 ubs.com/onlineservices Activity Summary Previous Balance 5238.83 dents $95.68 + Purchases 5143.25 ! MN Credits $0.00 '+ Cash Advances $0.00 + Fees $0.00 I + Interest el $289.37 $289.37 535.00 12/23/2014 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 S35.00 and your APRs may be increased to the Penalty APR of 27.24%. 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 You will pay off the balance sing this card and each month shown on this statement in u pay about... And you will end up paying the estimated total of... Only the Minimum Payment 9 months 5305 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.dh.ny.gov Repayment information is based on your account activity and the APRs on your account as of the dosing date of this statement. Account activity after the closing date is not reflected. To view your most recent transaction activity online, go to ubs.com/onlineservices. 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 US. Postal Service delivery. UBS BANK USA CARD SERVICES PO BOX 84040 COLUMBUS GA 31908.4040 GHISLAINE MAXWELL UBS Card Number Ending in Minimum Payment Due Statement Balance Payment Due Date $35.00 $289.37 December 23, 2014 You are enrolled in Automated Pay Credit Card. Send payments to: UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 SDNY_GM_00009023 CON F I D E N I A L 0000003500 5 EFTA01596945 Important Infonnetion Lest or stolen card: Your credit card is issued by UBS Bank USA. If your card is lost or stolen, please contact us immediately at 1-800-762-1000 at any time. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthonzed use that occurs before your notice to us. In any case, your liability will not exceed 550. 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 me 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 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 yam payment Is drawn are collected and not returned. When you provide a check as payment on this Account, you aunionze 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 1-800-762-1000. Moiled 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: Online: Visit ubs.comlonlineservices to sign up for Pay Credit Card to pay your account online. Payments made on our website by 6:00 p.m. Eastern time will be credited to your account that same day. Available only for cardholders with a UBS Resource Management Account (RMAII) or UBS Business Services Account BSA 110. Pay by phone: To make a payment by phone please call 1-800-762-1000. An expedited payment made by phone by 5:00 p.m. Eastern time will be credited to your account that same day, and reflected in your credit line by the next day. You can also make a phone payment from your UBS account as late as 6:00 p.m. Eastern time. This payment will be credited as of that same day, but application to your credit line may be delayed. Overnight payments: Send overnight courier service or USPS Prionty 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 °them's@ meets the requirements of a conforming payment will be credited to your account that same day. *retrainee repayment of cash advances through Cashranect 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 (lItMA(1) or your UBS Business Services Account BSA ®(either referred to as your UBS Account). You will incur no interest charges on CashConnect Cash Advances: as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance transaction in full when we first seek payment from your UBS Account. If sufficient available funds are not available in your UBS Account to pay off your CashConnect Cash Advances balance in full, then the APR for 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 UBS at 1-800-762-1000. Available only for cardholders with a U85 Resource Management Account or UBS Business Services Account BSA. Accrwil of Interest and hew 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 that was shown on your previous billing statement by the Payment Due Date on that statement, then (1) we will not impose interest on Purchases during your current Continued on back of next page S 8 § a CONFIDENTIAL SDNY_GM_00009024 EFTA01596946 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 944 Points earned this period 143 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 1,087 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity fa GHISLA1NE MAXWELL - Card ending rail Date Payments Des°intim Arrount 11/18 PAYMENT THANK YOU -$9568 Total Payments Activity -$95.68 Purchases 11/1I ESPA CORP NEW YORK NY $59.00 MIS MARLBORO MARKET BOSTON MA S22.25 11/21 ESPA CORP NEW YORK NY $62.00 Total Purchases Activity S143.25 I Summary of Fees and Interest Interest Charged Date Description Amount 11/26 INTEREST CHARGE-PURCHASES $2 97 total Interest for this period $2.97 I 2014 Totals Year-to-Date Summary of Fees and Interest Iota] Fees Charged in 2014 SOLO Total Interest Charged in 2014 $16.20 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) PURCHASES $263.49 13.24% (v) S2.97 BALANCE TRANSFERS S0.00 13.24% (v) $0.00 CASH ADVANCES $0.00 21.99% (v) S0.00 Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00009025 EFTA01596947 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing statement by the Payment Due Date in the current billing period, and (2) vie will credit any payment applied toward Purchases as of the first day in your current billing penod 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 to interest rate. We use a method called "daily balance' (includny new purchases). To determine the amount of the 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 (the OPR) (the DPR for each category is the applicable APR shown on the front of the statement dmded by 365), to each of the applicable daily balances for 4 Purchases, Balance Transfers and iii) Cash Advances. The daily balances foe 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 penod and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for mince 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, 1000 Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request your name; your account number; the credit bureau where you received the credit report; a descnption of the error; and why you believe it is an error. We will promptly investigate, notify you of our findings, and send an update to the credit bureaus if warranted within 30 days. Mat to do If you think you find a 'mistake on yaw statement If you think there is an error on your statement write to us at: UBS Bank USA—Card Operations Dmson 1000 Harbor Boulevard, 8th Floor Weehawken, NJ 07086 e2011 UBS Bank USA In your letter, give us the • ng information: Account Information: Your name and account number. Dollar amount: " • • .: dr amount of the suspected error. Description of problem: If you think there is an error on your cesythe valat you oel.ee 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 is waiting. 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, the following are true: 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 a 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. Vow rights if you are dissatisfied with yew credit card panduses 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: I. 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 S50. (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 of the criteria above are met and you are still dissatisfied with the purchase, contact us is wirking 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 discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. e V 8 8 iR 8 8 8 8 CONFIDENTIAL SDNY_GM_00009026 EFTA01596948