EFTA Document EFTA01596977

Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $160.00 is scheduled to be paid on 5/20/17 from your UBS Account. Thank you. SUBS Statement Billing Period: Payment Due Date Minimum Payment Due UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Primary Card Number Ending Account Summary `Statement Questions? Call 1-800-762-1000 ubs.corn/onineservices Activity Summary Previous Balance Pagel of 4 tviimmum Payment Due $35.00 $300.00 I Payment Due ea, Credit Line $35,000.00 + Purchases $160.00 Available Credit Line ter Credits Cash Credit Line $14,000.00 Sh Advances $0.00 + Fees S0.00 Past Due Amount $0.00 I + Interest $0.00 Balance $160.00 I Payment Information• Statement Balance Minimum Payment Due Payment Due Date $160.00 $35.00 05/23/2017 03/27/17 - 04/26/17 May 23, 2017 535.00 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 S35.00 and your APRs may be increased to the Penalty APR of 27.99%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charges You will pay off the bala sing this card and each month shown on this statement i u pay about... Only the Minimum Payment 5 months $165 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.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 checks payable to • 885 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 $160.00 Payment Due Date May 23, 2017 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 D E N 3 1 1 1 1 A L 0000003500 5 SDNY_GM_00009055 EFTA01596977 Important Intonnetten 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 unauthorized use that occurs before your notice to us. In any case, your liability will not exceed 550. Payment htfennatien: 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 Stroke 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 yes payment Is drawn are collected and not returned. AnIen you provide a check (i: I.:„ I on this Account, you authorize us to either use the information Iran your check to make a one-time electronic fund transfer from your account a 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. Mad pmenents: 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 6 (RMA6 or UBS Business Services Account BSA 6 Pay by phone: To make a payment by phone please call 1-800-762-1000. Payments made by 5:00 p.m. Eastern time will be credited to your account same day. Phone payments made from your UBS account by 6:00 p.m. Eastern time are also credited same day. Application of any phone payment to your credit line may be delayed for up to 7 days. Overnight payments: Send overnight courier service or USPS Priority Mail payments to UBS Bank USA--Card Services, 2975 Regent Boulevard, P.O. Box 203219, Irving, 1X 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. Antentath 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 6 (RMA6 a 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 on purchases. Your due date is at least 23 days alter 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 03000000 • 0367 CONFIDENTIAL SDNY_GM_00009056 EFTA01596978 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 6.328 Points earned this petiod 160 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 6.488 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHISLAINE MAXWELL - Card ending in Date Description Amount Payments 04/20 PAYMENT THANK YOU 4300.00 Total Payments Activity -5300.00 Purthases 03/31 NATIONAL REGISTRY EMT 614-888-44840H $15.00 04/03 ZOE HAIR LLC BOSTON MA 535.00 04111 PINCKNEY NAILS SKIN SALONBOSTON MA $75.00 04/14 PINCKNEY NAILS SKIN SALONBOSTON MA 535.00 Total Porrhases_Aamty 5160.00 2017 Totals Year-to•Date Summary of Fen Total Fees Charged in 2017 $0.00 Total Interest Charged in 2017 $0.00 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) PURCHASES 50.00 13.99% (v) $0.00 BALANCE TRANSFERS $0.00 13.99% (v) $0.00 CASH ADVANCES $0.00 22.74% (v) $0.00 Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate Customer Notifications Access cash at ATMs and banks all over the world With your UBS Visa Signature credit card. For domestic transactions, receive ATM fee rebates. up to $3 per transaction, for an unlimited number of transactions. CONFIDENTIAL SDNY_GM_00009057 EFTA01596979 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 shows 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 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 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. Wbat to do If you flask you flood a 'mistake an yam 'tetanal 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: • :.n amount of the suspected error. • Description of problem: If you think there is an error on your ces:rthe . sat 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 wrilfno. 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. Veer rights If you are dissatisfied with year credit card pales 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 welling at: UBS Bank USA--Disputes Department P.O. Box 84040 Columbus, GA 31908 While we investigate, the same rules apply to the disputed amount as 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. A 8 CONFIDENTIAL SDNY_GM_00009058 EFTA01596980 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $300.00 is scheduled to be paid on 4/20/17 from your UBS Account. Thank you. Shop for your gift-giving needs, and use your points to do it, on the My Choice Rewards website. Find gift cards for fine dining and premium retail, browse the latest in trendy goods and gadgets, book your summer travel or redeem for a statement credit at ubs.com/onlineservices. SUBS Statement Billing Period: Payinent Due Date Dd!nimum Payment Due UBS Visa Signature® credit card statement Prepared tor: GHISLANE MAXWELL Primary Card Number Ending in:M Account Summary Minimum Payment Due Payment Due Date Credit Line Available Credit Line Cash Credit Line Available Cash Line Past Due Amount Overlimit Amo Payment Information* Statement Balance Minimum Payment Due Payment Due Date 02/27/17 - 03/26/17 April 23, 2017 535.00 Page 1 of 4 Questions/ Call 1-800-762-1000 ubs.corwonineservices Activity Summary Previous Balance $236.40 1 $35, 04/23/17 - Payments 335,000 00 + Purchases $300.00 $34,700.00 - Other Credits $0.0O 414,030.00 + Cash Advances $0.00 $14,000.00 + Fees $0.00 $0.00 I + Interest s0.00 `Statement Balance $300.00 $300.00 $35.00 04/23/2017 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 27.74%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance 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 10 months $317 If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA is 1-800-762-1000. 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 checks payable to • UBS Card Servicef 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 $300.00 Payment Due Date April 23, 2017 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 D E N 3 1 1 1 A L 5 0000003500 5 SDNY_GM_00009059 EFTA01596981 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 unauthorized 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 Ming 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 Stroke 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. ti Olen you provide a check r I on this Account, you authorize us to either use the information Iran your check to make a one-time electronic fund transfer from your account a 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. Melted poyarents: 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 6 (RMA6 or UBS Business Services Account BSA 6 Pay by phone: To make a payment by phone please call 1-800-762-1000. Payments made by 5:00 p.m. Eastern time will be credited to your account same day. Phone payments made from your UBS account by 6:00 p.m. Eastern time are also credited same day. Application of any phone payment to your credit line may be delayed for up to 7 days. Overnight payments: Send overnight courier service or USPS Priority Mail payments to UBS Bank USA--Card Services, 2975 Regent Boulevard, P.O. Box 203219, Irving, 1X 75063. A payment received at this address by 5:00 p.m. Central time that othervase meets the requirements of a conforming payment will be credited to your account that same day. Antonsatk 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 6 (RMA6 a 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 on purchases. Your due date is at least 23 days alter the close of each billing cycle. On Purchases, interest begins to acaue 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 z 8 8 CONFIDENTIAL SDNY_GM_00009060 EFTA01596982 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 6,028 Points earned this period 300 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 6.328 • For more details on your rewards points activity, please visit us online at ubs.com/uscards ActMty for GHISLAJNE MAXWELL - Card using Si M I Date Payments Desoipticn Arrcuni 03/20 PAYMENT THANK YOU 4236.40 Total Payments Activity 4236.40 Purchases 03/08 LAUREN'S NAILS BOSTON MA $94.00 03/09 JENNIFER'S NAILS AND BOSTON MA 53400 03/09 ZOE HAIR LLC BOSTON MA $59.00 03/16 PINCKNEY NAILS SKIN SALONBOSTON MA $42.00 03/20 ESPA CORP NEW YORK NY $70.00 Total Purchases Activity S300.00 II.E17 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2017 $0.00 Total Interest Charged in 2017 $0.00 Interest Charge Calculation - 28 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) Interest Charge PURCHASES $0.00 13.74% (v) $0.00 BALANCE TRANSFERS $0.00 13.74% (v) $0.00 CASH ADVANCES $0.00 22.49% (W $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00009061 EFTA01596983 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 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 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 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 t ink you fled a 'mistake on yaw stotemeent If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Dmsion 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: • ..: 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 resilim. 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. Von rights if you are dissatisfied with your credit card palm 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. 8 8 8 8 8 8 CONFIDENTIAL SDNY_GM_00009062 EFTA01596984 Customer News UBS Visa Signature credit card clients have access to a range of roadside services and towing assistance. including the following roadside emergencies (up to $50 per event): I Flat tires Dead batteries Mechanical breakdowns Running out of gas I Lockouts All benefits are subject to limitations. Please see the Terms and Conditions available at ubs.com/uscards for more details. Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of S236.40 is scheduled to be paid on 3/20/17 from your UBS Account. Thank you. SUBS Statement Billing Period: Payment Due Date Minimum Payment Due UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Primary Card Number Encfmg in: Account Summary Minimum Payment Due Pa men ue a, C .erl.t Line $35.00 $35,000.00 —Available Credit Lin C all. Credit Line $14,000.00 I Available Cash Line Past Due Amount Overlimit Amount 50.00 $0.00 Payment Information• Statement Balance Minimum Payment Due Payment Due Date 01/27/17 - 02/26/17 March 23, 2017 535.00 Page 1 of 4 Questions? Call 1-800-762-1000 ubs.corn/onanesenrices Activity Summary Previous Balance $81.72 + Fees + Intend Statement Balance S236.40 so.00 $236.40 $35.00 03/23/2017 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 S35.00 and your APRs may be increased to the Penalty APR of 27.74%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charge You will pay off the baler sing this card and each month shown on this statement i u_pay... about... Only the Minimum Payment 8 months $247 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.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 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 $236.40 Payment Due Date March 23, 2017 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 DEN3IIIALS 0000003500 5 SDNY_GM_00009063 EFTA01596985 Important Intennetten Lest er 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 unauthorized 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 yes payment Is drawn are collected and not returned. When you provide a check r • p I on this Account, you authorize us to either use the information from your check to make a one-time electronic fund transfer from your account a 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. Melted moments: 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 6 (RMA6 or UBS Business Services Account BSA 6 Pay by phone: To make a payment by phone please call 1-800-762-1000. Payments made by 5:00 p.m. Eastern time will be credited to your account same day. Phone payments made from your UBS account by 6:00 p.m. Eastern time are also credited same day. Application of any phone payment to your credit line may be delayed for up to 7 days. Overnight payments: Send overnight courier service or USPS Priority Mail payments to UBS Bank USA--Card Services, 2975 Regent Boulevard, P.O. Box 203219, Irving, 1X 75063. A payment received at this address by 5:00 p.m. Central time that othenese meets the requirements of a conforming payment will be credited to your account that same day. Antentatk 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 6 (RMA®1 a 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 on purchases. Your due date is at least 23 days alter the close of each billing cycle. On Purchases, interest begins to acaue 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 § 8 CONFIDENTIAL SDNY_GM_00009064 EFTA01596986 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 5,791 Points earned this petiod 237 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 6.028 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHIStAINE MAXWELL - Card ending in 9433 Date Payments Descripticn Amount 02/17 PAYMENT THANK YOU 481.72 Total Payments Activity -581.72 Purchases 01/27 LAURENS NAILS BOSTON MA 513.00 02/03 ESPA CORP NEW YORK NY 537.00 02/07 NYC-TAN WOODSIDE NY 57.90 02/07 FOUR SEASON BEAUTY BM INNEW YORK NY $42.00 02/09 FOUR SEASON BEAUTY BM INNEW YORK NY 562.00 02/18 NY DIVA NAPS NEW YORK NY $7430 TotalimcbasesikabritY $236.40 k 2017 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2017 $0.00 Total Interest Charged in 2017 $0.00 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) PURCHASES $0.00 13.74% (v) Moo BALANCE TRANSFERS $0.00 1174% (v) $0.00 CASH ADVANCES $0.00 22.49% (v) $0.00 Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00009065 EFTA01596987 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) kw 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 dmded by 365), to each of the applicable daily balances for i) 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 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. What to do If you flask you flood a 'mistake an 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 (92011 UBS Bank USA In your letter, give us the • 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 %galling. 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. Von rights If you are dissatisfied with year credit card pales 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. S 8 CONFIDENTIAL SDNY_GM_00009066 EFTA01596988 Customer News An annual summary statement which includes all of your credit card account activity from 2016 is available online. To view the statem en logon to your UBS Online Services account. Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $81.72 is scheduled to be paid on 2/20/17 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 Ending Account Summary Minimum Payment Due P.aiernentD Th e Date ill. 335.00 t Line Available Credit Lin Cash Credit Line Available Cash Line Past Due Amount Overlimit Amo' 12/27/16 - 01/26/17 February 23, 2017 535.00 Page 1 of 4 Questions/ Call 1-800-762-1000 ubs.corWonbneservices Activity Summary Previous Balance $135.50 $35,000.00 l + Purchases $14,000.00 I 0 $0.00 $0.00 Payment Information* Statement Balance Minimum Payment Due Payment Due Date I I or Credits sh Advances + Fees + Interest $81.72 70:00 S0.00 50.00 I `Statement Balance S81.72 $81.72 $35.00 02/23/2017 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 S35.00 and your APRs may be increased to the Penalty APR of 27.74%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance 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 3 months $83 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.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 checks payable to 'UBS Card Services and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U S. Postal Service defivery. 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 $81.72 Payment Due Date February 23, 2017 You are enrolled in Automated Pay Credit Card. Send payments to: UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 CO N F I D E N 3 1 1 3 1 A L 5 0000803508 5 SDNY_GM_00009067 EFTA01596989 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. Pawned 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 aye 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. When 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.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 (RMAea) or UBS Business Services Account BSA O. 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 otherwse meets the requirements of a conforming payment will be credited to your account that same day. Ardwanatic 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 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. Accrual of Interest and how to avoid paying Interest en pawl rtes. 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 0 8 8 8 8 CONFIDENTIAL SDNY_GM_00009068 EFTA01596990 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 5,709 Points earned this period 82 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 5.791 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHISLAINE MAXWELL - Card encfmg Date Desoiptial Amount Payments 01/20 PAYMENT THANK YOU -$135.50 Total Payment Activity -5135.50 Purchases 12/27 PINCKNEY NAILS SKIN SALONBOSTON MA $43.00 01/10 SQ *CLOVER FOOD LAB Boston MA $38.72 Total Purchases Activity Sa1.72 Mr 2017 Totals Year-to-Date Summary of Fees and Int Total Fees C r flyer.: r z $0.00 Total Interest Charged in 2017 $0.00 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) Interest Charge PURCHASES $0.00 13.74% (v) $0.00 BALANCE TRANSFERS $0.03 13.74% (4 $0.00 CASH ADVANCES $0.00 22.49% (o) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00009069 EFTA01596991 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) kw 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 purcbase5). 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, u) 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. 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 thlook 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 Denson 1000 Harbor Boulevard, 8th Floor Weehawken, NJ 07086 C2011 UBS Bank USA In your letter, give us thu • 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 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 %galling. 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 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 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. A 8 CONFIDENTIAL SDNY_GM_00009070 EFTA01596992 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $135.50 is scheduled to be paid on 1/20/17 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. 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:= Account Summary Minimum Payment Due 435 CO `Statement Page 1 of 4 questions? Call 1-800-762-1000 ubs.convonineservices Activity Summary Previous Balance $0.00 01/23/17 Payments C reds Line $35.000 CO + PxchAses $135.50 Available Credit Line $34,864.50 - Other Credits Cash Cteurt Lire Ii4C.30 CO + Cash Advances Available Cash Line $14,000.00 + Fees S0.00 Past DL.e Anhx.rn SO CO + Interest Overlimit Amount 40.00 Balance $135.50 Payment Information* Statement Balance Minimum Payment Due Payment Due Date $135.50 $35.00 01/23/2017 11/27/16 - 12/26/16 January 23, 2017 535.00 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 27.49%. 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 oiI make no additional charges 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 4 months $139 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. payab'e to 'UBS Card Servicef 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 $135.50 Payment Due Date January 23, 2017 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 DEN311111a5 0000003500 5 SDNY_GM_00009071 EFTA01596993 Important Information Lest or stolen card: Your credit card is issued by UBS Bank USA. If your card is lost or stolen, please contact is 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 aye 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.,,Ien you provide a check as payment on this Account, you autnonze 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-IWO. 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.comlonlineseniices 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 O. 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. Aretwanatic repayment of cash advances through CashCaanect 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 (FtMA(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 I-800-762-1000. Available only for cardholders with a UBS Resource Management Account or UBS Business Services Account BSA. Accrual of Interest and hew to avoid paying Stereo! en parclunes. 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 0 8 8 8 CONFIDENTIAL SDNY_GM_00009072 EFTA01596994 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Beginning Points this period Points earned this period Bonus points Adjustments Redemptions Ending points balance • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHISLAINE MAXWELL - Card ending in al Total Points 5.573 136 0 0 0 5.709 Date Purchases 11/28 12/12 Desoiptial PINCKNEY NAILS SKIN SALONBOSTON MA ESPA CORP NEW YORK NY Total Purchases Activity Amount S43.00 $92.50 S135.50 Total Fees Charged in 2016 Total Interest Charged in 2016 $0.00 $292.15 Interest Charge Calculation - 30 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rata RATE (APR) PURCHASES 60.03 13.49% (v) $0.00 BALANCE TRANSFERS $0.00 13.49% (v) $0.00 CASH ADVANCES $0.00 22.24% (v) $0.00 Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00009073 EFTA01596995 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' (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 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 4 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 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. What to do If you think you find a 'mistake on yaw 'tetanal 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 • 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 ces:rthe .kit 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 wrilfng. 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. Von rights If you are dissatisfied with year credit card perdiases 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 welling at: UBS Bank USA--Disputes Department P.O. Box 84040 Columbus, GA 31908 While we investigate, the same rules apply to the disputed amount as 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 8 S 8 S 8 8 CONFIDENTIAL SDNY_GM_00009074 EFTA01596996 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $0.00 is scheduled to be paid on 1 2/2 0/1 6 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 tor fine dining and premium retail, A browse the latest in luxury goods wi and trendy gadgets, book your holiday travel at ubs.comionlineservices 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: GHISLAINE MAXWELL Primary Card Number Ending in:M 10/27/16 - 11/26/16 December 23, 2016 S0.00 Page 1 of 4 Questions? Call 1-800-762-1000 ubs.corn/onineservices Account Summary Activity Summary Minimum Payment Due Payment Due Date C edi Line Available Credit Line Cash Credit Line Available Cash Line Past Due Amount Overlimit Amount $0.00 gra $35,000.00 $35,00411. 414.000.00 $14,000M1 40.00 Payment Information* Statement Balance Minimum Payment Due Payment Due Date Previous Balance $63.00 I + Purchases + Fees + IMereSt Statement Balance 10.00 S0.00 S0.00 $0.00 $0.00 12/23/2016 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 S35.00 and your APRs may be increased to the Penalty APR of 27.49%. Minimum Payment Warning: Your account currently has no balance and no minimum payment is due at this time. 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 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 S4-3-3 Minimum Payment Due $0.00 Statement Balance $0.00 Payment Due Date December 23, 2016 You are enrolled in Automated Pay Credit Card. Send paym ents to: UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 CON F I D E N 3 I I I A L 5 0 0 0 0 0 0 0 0 0 0 5 SDNY_GM_00009075 EFTA01596997 Important Infonnetion Lost or stolen rad: 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 yon payment Is drawn are collected and not returned. ti; ,Ien you provide a check as payment on this Account, you autnonze 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 (RMAea) or UBS Business Services Account BSA 010. 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 °themes@ meets the requirements of a conforming payment will be credited to your account that same day. Arsteasaffc repayment of cash advances through CashCaanect 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 I-800-762-1000. Available only for cardholders with a U85 Resource Management Account or UBS Business Services Account BSA. Accrwol of Interest and hew to avoid paying Interest en pucka:les. 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 S 8 § 8 8? CONFIDENTIAL SDNY_GM_00009076 EFTA01596998 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 5,573 Points earned this petiod 0 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 5.573 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHISLA1NE MAXWELL - Card wiring in Pa Date Payments 11/18 Descriptial PAYMENT THANK YOU Total Payments Activity -$63.00 Amount -563.00 2016 Totals Year-to-Date Summary of Fees and Interest —1 Total Fees Charged in 2016 $0.00 Total Interest Charged in 2016 5292.15 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) PURCHASES SO pa 13.49% M $0.00 BALANCE TRANSFERS $0.09 13.49% (v) $0.00 CASH ADVANCES $0.00 22.24% (v) $0.00 Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00009077 EFTA01596999 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' (inciudtny 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 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. Credk 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 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 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: • ar amount of the suspected error. • Description of problem: If you think there is an error on your ces:rthe .kit 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 wrking. 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 welling at: UBS Bank USA--Disputes Department P.O. Box 84040 Columbus, GA 31908 While we investigate, the same rules apply to the disputed amount as 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. a 8 8 8 8 8 8 CONFIDENTIAL SDNY_GM_00009078 EFTA01597000