EFTA Document EFTA01597241

*UBS C Statement Billing Period: Payment Due Date Minimum Payment Due -') 04/27/18 - 05/26/18 lune 23. 2018 $35.0C/ Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $1,572.73 is scheduled to be paid on 6/18/18 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. UBS Visa Signature credit card statement Prepared for GHISIAINE MAMELL Primary Cad Number Ending in Page 1 of a Questions? Call 1.803.762.1000 ubs comtionlineservIces Account Summary Activity Summary Minimum Payment Due Payment Due Date 06/23/18 Credit Line Available Credit Line $33,427.27 Cash Credit Line 514.000 00 Available Cash tine 414.000.00) Past Due Amount 50 .00 Overhmit Amount 50.001 535 03 Previous Balance - Payments 535.000 00 Purchases Payment Information* Statement Balance Minimian Payment Due Payment Due Date 11,172.141 51.572 73 I • Other Credits + Cash Advances + Fees + Interest so.00' 50.00 so.00 $0.00 `Statement Balance $1.572.73 $1,572.73 $35.00 06/23/2018 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $38.00 and your APRs may be increased to the Penalty APR of 29.99% Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charges using thiScad and each month You will pay off the balance shown on this statement in about... And you will end up paying the estimated total of... Only the Minimun Payment 5 years S55 3 years $2,262 51,980 (Savings $282) If you would like information about credit counseling services, call 1.800.762-1000. The phone number for UBS Bank USA is 1400-762-1000. 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.clfs.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 dosing date is not reBected.To view your most recent transaction activity online, go to ubs.com/onhnesenrices. Detach here Pease 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 Sennce delivery ft urn/et:wraith-. rearm to: U8S BANK USA - CARD SERVICES PO BOX 84040 COLUMBUS GA 31908-4040 GHISLAINE MAXWELL $UBS Card Number Ending in Minimum Payment Due Statement Balance Payment Due Date You are enrolled in Automated Pay Credit Card. Send payments to: UBS BANK USA - CARD SERVICES FO BOX 203219 DALLAS DC 75320-3219 135.00 $1,572.73 lune 23, 2018 062318 7826000014012670 2 0000003500 2 CONFIDENTIAL SDNY_GM_00009574 EFTA01597241 Important Information about your UBS credit card Lost or stolen card. Your credit card is issued by UBS Bank USA. If your card is lost or stolen, please contact us immediately at any time at 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762.1000 for the 085 Visa Signature credit card. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liabihty will not exceed $50. Payment information. Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Due Date. Both the Minimum Payment Due and Payment Due Date are noted on your statement At any time you may pay more than the Minimum Payment Due up to the full amount you owe us, however you cannot ' pay ahead ' This means that if you pay more than the required Minimum Payment Due in any billing cycle or if you make more than one payment in a billing cycle, you will still need to pay the next month's required Minimum Payment Due by your next Payment Due Date Remember to make all checks payable to UBS Card Services Please allow 7 days for the U.S. Postal Service to deliver your payment to us. Upon our receipt, your available credit may not be increased by the payment amount for up to 7 days to ensure the funds from the bank on which your payment is drawn are collected and not returned. When you provide a check as payment on this Account, you authorize us to either use the information from your check to make a onetime electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. For inquiries, please call 1.888.762•t 232 for the 085 Visa infinite credit card or 1-800-762-1000 for the U85 Visa Signature credit card. Mailed Payments. A conforming payment received by us by 5:00 p.m. Central time will be credited to your account the day of receipt A 'conforming payment' is a payment that: 1) is mailed using the enclosed envelope and payment coupon included with this statement to UBS Bank USA • Card Services, P.O. Box 203219, Dallas, TX 75320-3210 and 2) is in the form of a single, non-folded check or money order made payable in US dollars from a US based institution. Any payment that does not meet these requirements or any payment with multiple checks or money orders, additional correspondence, staples, paperclips, etc. will be considered a 'non-conforming payment,' which may delay the crediting of the payment for up to 5 days We can accept late payments, partial payments, checks and money orders marked • Paid in Full' or language having the same effect without losing any of our rights under this Agreement and such payments may be sent to the following address: UBS Bank USA - Card Services, P.O. Box 203219, Dallas, 1X, 75320.3210. Other payment options. Online: Visit ubs.conilonknesemres to sign up for Pay Credit Card to pay your account online. Payments made through Pay Credit Card will be credited to your account that same day if requested prior to 4:00 p.m. Eastern time for debits from an external account and 600 p.m. Eastem time for debits from a UBS Resource Management Account (RMA) or UBS Business Services Account BSA account A‘lailabk only for conlholders with an /WA or (MS Business Services Account BSA. Pay by Phone: To make a payment by phone, please call 1-888-762-1232 for the U8S Visa Infinite credit card or 1-800-762-1000 for the UBS Visa Signature credit card Payments made from an outside account by 5.00 p m Eastern time will be credited to your account same day. Payments made from your UBS account by 6:00 p.m. Eastern time are also credited same day Application of any phone payment to your credit line may be delayed for up to 7 days Overnight payments: Send overnight couner service or USPS Priority Mail payments to UBS Bank USA - Card Services, 2975 Regent Boulevard, P.O Box 203219, Irving, TX 75063 A payment received at this address by 5.00 pm. Central time that otherwise meets the requirements of a conforming payment will be credited to your account that same day. Automatic repayment of cash advances through Cashannea: The Cosheonneet 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 U8S Resource Management Account (RMA) or your UBS Business Services Account BSA (either referred to as your UBS Account) When we use your UBS Account to repay your CoshConnert Cash Advance transaction in full, you will not incur any interest charges. If there are insufficient funds in your U85 Account to pay off your CoshConneet Cash Advances balance in full, then the APR for your Cash Advances will apply as of the ong nal transaction date on any remaining balance. You will be charged the APR on Cash Advances on your remaining CoshConnect Cash Advance balance until it is repaid in full. Applicable ATM surcharge fees may apply. No other account balances are paid through the CashConnect feature. If you choose not to participate in the CashConnect feature, please contact us at 1-888-762-1232 for the UBS Vaa Infinite credit card or 1.800.762.1000 for the UB5 Visa Signature credit card. A vailabk onfr for cardholders with an MIA or Thinness Semen Account BSA. Accrual of interest arid how to avoid paying interest on purchases- Your due date is at least 23 days after the close of each billing cycle On Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance from your previous billing statement by the Payment Due Date on that statement, then 11) we will not impose interest on Purchases during your current Continued on back of next page fi 0 CONFIDENTIAL SDNY_GM_00009575 EFTA01597242 Page 3 of 4 My Choice Rewards Points from UBS Account Summary Beginnng Points this period Points earned this period Bonus points Adjustments Redemptions Ending points balance 'For more details on your rewards points attivity, please visit us online at ubs.comfuscards Total PSulti 72,554 1,573 0 0 0 74,127 Adenty for GHISRAINE MAXWELL • Card /non n 6992 Date Payments OS' 16 Purchases Descrotico PAYMENT THANK YOU TOtd Payments ActlAy Arnpinl 41,17214 41,172.14 0901 DMI•GODADDY COM 4BO.5O50355 AZ 1208.52 0902 ONH*GODADDY.COM 480.5058855 AZ 1155.17 0903 Anton web services aNyanareo.coWA 115342 0903 ONH•GODADDYCOM 4805059355 AZ S81348 0904 CLOUDSLARE 650.3190)39 CA $200.05 0909 MAILCHIMP `MONTHLY MAILCHIMPCOMGA 170749 0911 ICONOSQUARE UMOGE$ $49.00 0919 BUFFER AWESOME MONTHLY H1TPSBuff ER CCA 51000 NMI Purchases Activity $1,572.73 Im 2018 Totais Thetrate Ante Total Fees Charged in 2018 Total Interest Charged in 2018 10.00 1000 Interest Charge Calculation 30 Days in Billing Cycle Balance ANNUAL Subject to PERCENTAGE Interest. Interest Rate RATE (APR) Charge PURCHASES $000 674% lb; $O CO BALANCE TRANSFERS $0 00 16.7414 M 10 co CASH ADVANCES VICO 23.74% hi $0 .00 You Annual Percentage Rate (APR) is the annual interest rate on you' account (v) = Variable Rate CONFIDENTIAL SDNY_GM_00009576 EFTA01597243 Page 4 of 4 billing period if you pay the Statement Balance on the current billing statement by the Payment Due Date in the current billing period, and (2) we will credit any payment applied toward Purchases as of the first day in your current biling period if you make a payment by the Payment Due Date in the current billing period that is less than the Statement Balance If a Statement Balance was shown on your previous billing statement and you did not pay the Statement Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the Statement Balance shown on the current billing statement by the Payment Due Date in the current billing period For Balance Transfers, interest will accrue from the day we send the Balance Transfer to the payee. For Checks, interest will accrue from the day the payee accepts the check For Cash Advances, interest will accrue from the day you take the Cash Advance How we will cakulate your balance subject to interest rate. We use a method called ' daily balance' (including new purchases) To determine the amount of interest to be charged on your Account, we first calculate the 'Balance Subject to Interest Rate' separately for Purchases, for Balance Transfers, and for Cash Advances. We apply the applicable Daily Periodic Rate or the DPR (the DPR for each category is the applicable APR shown on the front of the statement divided by 365). to each of the applicable daily balances for 0 Purchases, u) Balance Transfers, and xi) 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 multply the 'Balance Subject to Interest Rate' for each balance category as shown on your monthly billing statement by the number of days in the billing period and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for minor variations caused by rounding Credit bureau reports and disputes. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report if you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau directly or contact us at UBS Bank USA, Card Operations Division, 315 Deadenck Street, 5th Floor, Nashville, TN 37238 We will request your name, your account number, the credit bureau where you received the credit report a description of the error, and why you believe it is an error. We will promptly investigate, notify you of our findings, and, 4 warranted, send an update to the credit bureaus within 30 days. What to do if you think you find an error on your statement If you think there is an error on your statement, please write to us at. UBS Bank USA - Card Operations Division 315 DeaderKk Street, Sth Floor Nashville, TN 37238 O2011 UBS Bank USA In your letter, give us the following information • Account Information: your name and account number • Dollar amount the dollar amount of the suspected error • Description of problem if you think there is an error on your bill, describe what you believe is wrong and why you believe rt is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors In writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But. If we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount • While you do not have to pay the amount in question, you are responsible for the remainder of your balance • We can apply any unpaid amount against your credit limit Your rights if you we dissatisfied with your credit card purchases if you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase pnce must have been more than $50 (Note. Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with Cash Advances from an ATM or with a check that accesses your credit card account do not qualify. 3 You must not yet have fully paid for the purchase if all the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: UBS Bank USA • Disputes Department P O Box 84040 Columbus, GA 31908 While we investigate, the same rules apply to the disputed amount as referenced above in the section covering errors on your statement. After we finish our investigation, we will notify you of our decision At that point, if we think you owe an amount and you do not pay that amount, we may report you as delinquent Please refer to your Cardmember Agreement for additional information about the terms of your Account CONFIDENTIAL SDNY_GM_00009577 EFTA01597244 SUBS C Statement Sling Period: Payment Due Date Minimum Payment Due -') 03/27/18 - 04/26/18 May 23, 2018 S35.00 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $1,172.14 is scheduled to be paid on 5/18/18 from your UBS Account. Thank you. UBS Visa Signature credit card statement Prepared for GICSIAINI MAxVit -; Pnmary Cad Number Ending in Account Summary Mimmurn Payment Due Payment Due Date Credit Line Available Credit Line Cash Credit Line Available Cash Line $14.000.00 Past Due Amount Overlimit Amount 535 CO 05/23/18 535.000 00 $33,827.86 i 514.000 00 50 00 semi Payment Information* Statement Balance $1,172.14 Minimisn Payment Due $35.00 Payment Due Date 05/23/2018 Page 1 of 4 Questions? Call 1.800.762.1000 ubs comionlineservIces Activity Summary Previous Balance 590348 - Payments $903.48 Purchases 51,172 14 I -Other Credits $0.00 + Cash Advances $0. + Fees + Interest —111 11 Statement Balance $1,172.14 $0.00 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 $38.00 and your APRs may be increased to the Penalty APR of 29.99% Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charges using this card and each month u pay... You will pay off the balance And you will end up paying the shown on this statement in estimated total of... about... Only the Minimum Payment 4 years $1,570 $41 3 years $1,476 (Savings • $94) It you would like information about credit counseling services, call 1.800.762-1000. The phone number for UBS Bank USA is 1400-762.1000. 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.dfsay.gav • Repayment information is based on your account activity and the APRs on your account as of the dosing date of this statement. Account activity after the closing date is not reflected.To view your most recent transaction activity online, go to ubs.com/onhnesenrices. 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 focus Postal Service delivery 11 undebwrahle. worm to: UBS BANK USA - CARD SERVICES PO BOX 84040 COLUMBUS GA 31908-4040 GHISLAINE MAXWELL UBS Card Number Ending in Minimum Payment Due Statement Balance Payment Due Date You are enrolled in Automated Pay Credit Card. Send paymeniS to: (ABS BANK USA - CARD SERVICES FO BOX 203219 DALLAS DC 75320-3219 835.00 $1 172 14 May 23, 2018 052318 7826000014012670 2 0000003500 2 CONFIDENTIAL SDNY_GM_00009578 EFTA01597245 Important Information about your UBS credit card Lost or stolen card. Your credit card is issued by UBS Bank USA If your card is lost or stolen, please contact us immediately at any time at 1.888.762.1232 for the UBS Visa Infinite credit card or 1.800.762.1000 for the U85 Visa Signature credit card. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liabihty will not exceed $50. Payment Information. Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Due Date. Both the Minimum Payment Due and Payment Due Date are noted on your statement At any time you may pay more than the Minimum Payment Due up to the full amount you owe us, however you cannot ' pay ahead • This means that if you pay more than the required Minimum Payment Due in any billing cycle or if you make more than one payment in a billing cycle, you will still need to pay the next month's required Minimum Payment Due by your next Payment Due Date Remember to make all checks payable to UBS Card Services Please allow 7 days for the U.S. Postal Service to deliver your payment to us. Upon our receipt, your available credit may not be increased by the payment amount for up to 7 days to ensure the funds from the bank on which your payment is drawn are collected and not returned. When you provide a check as payment on this Account, you authorize us to either use the information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. For inquiries, please call 1.888.762.1232 for the UBS Visa infinite credit card or 1-800-762-1000 for the U85 Visa Signature credit card Mailed Payments. A conforming payment received by us by 500 p.m. Central time will be credited to your account the day of recept 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, 1X 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, 1X, 75320.3210. Other payment options. Online: Vert ubs.conilonkneserdces to sign up for Pay Credit Card to pay your account online. Payments made through Pay Credit Card will be credited to your account that same day if requested prior to 4:00 p.m. Eastern time for debits from an external account and 600 p.m. Eastern time for debits from a UBS Resource Management Account (RMA) or UBS Business Services Account BSA account if vollobk only for canlhalers wah an /WA or (MS Business Senmes Account BSA. Pay by Phone: To make a payment by phone, please call t-888-762-1232 for the UBS Visa Infinite credit card or 1-800-762-1000 for the UBS Visa Signature credit card Payments made from an outside account by 5.00 p m Eastern time will be credited to your account same day Payments made from your UBS account by 6:00 p.m. Eastern time are also credited same day Application of any phone payment to your credit line may be delayed for up to 7 days Overnight payments: Send overnight courser service or USPS Priority Mail payments to UBS Bank USA - Card Services, 2975 Regent Boulevard, P.O Box 203219, Irving, TX 75063 A payment received at this address by 500 pm. Central time that otherwise meets the requirements of a conforming payment will be credited to your account that same day. Automatic repayment of cash advances through CashConnta: The Cask:armed feature on your UBS credit card account will automatically repay new Cash Advances obtained from ATMs and financial institutions (CashConneci Cash Advances), each night, with available funds from your U85 Resource Management Account (RMA) or your UBS Business Services Account BSA (either referred to as your UBS Account) When we use your UB5 Account to repay your Cask :ounce: Cash Advance transaction in full, you will not incur any interest charges If there are insufficient funds in your UBS Account to pay off your L'athConnect Cash Advances balance in full, then the APR for your Cash Advances will apply as of the ong nal 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 CashConned feature, please contact us at 1-888-762-1232 for the UBS Visa Infinite credit card or 1.800.762.1000 for the UBS Visa Signature credit card. A vadat* onfr for can:Mader, with an RNA or Business Senwes Account &CA. Accrual of interest and how to avoid paying interest on purchases- Your due date is at least 23 days after the close of each billing cycle On Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance from your previous billing statement by the Payment Due Date on that statement, then 11) we will not impose interest on Purchases during your current Continued on back of next page I CONFIDENTIAL SDNY_GM_00009579 EFTA01597246 Page 3 of 4 My Choice Rewards Points from UBS Account Summary 19.174.141116 Beginnrig Points this period 71,382 Points earned thisperiod 1,172 Bonus points 0 Adjustments 0 Rederrptions 0 Ending points balance 72,554 'For more details on your rewards points activity, please visit us online at ubs.COMIUSCardS Athnly for GHISLAINE MAXWELL • Card /non n 6992 Date Payments De supti cn ANT:vM 0419 PAYMENT THANK YOU 490348 Purchases TotS Payment Asithdti 4903AI 0403 CLOW:RARE 6503198939 CA $7.02 0401 Amazon web senices atessnarcbcoWA 116924 0404 CLOUDFLARE 6503198939 CA 1200.05 0409 MAILCHIMP -MONTHLY MAILCHIMPCOMGA 1734.91 0419 BUFFER AWESOME MONTHLY HTTPS8Uff RICCA 110.00 0419 ONH•GODADDY COM 480•505•8855 AZ 150.32 Total Purchases Activity $1,172.14 2015 Totals Year-to-Date Seminary of Fees end Interest Total Fees ..I urged i• .2014 Total Interest Charged in 2018 Interest Charge Calculation- 31 Days in Billing Cycle tel 1000 Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES so.00 16.74% (0 10.00 BALANCE TRANSFERS loco 16.74% M $0.00 CASH ADVANCES $0.00 23/4% M $0.00 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_00009580 EFTA01597247 Page 4 of 4 billing period if you pay the Statement Balance on the current billing statement by the Payment Due Date in the current billing period, and (2) we will credit any payment applied toward Purchases as of the first day in your current biling period if you make a payment by the Payment Due Date in the current billing period that is less than the Statement Balance If a Statement Balance was shown on your previous billing statement and you did not pay the Statement Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the Statement Balance shown on the current billing statement by the Payment Due Date in the current billing period For Balance Transfers, interest will accrue from the day we send the Balance Transfer to the payee. For Checks, interest will accrue from the day the payee accepts the check For Cash Advances, interest will accrue from the day you take the Cash Advance How we will calculate your balance subject to interest rate. We use a method called 'daily balance' (including new purchases) To determine the amount of interest to be charged on your Account, we first calculate the 'Balance Subject to Interest Rate' separately for Purchases, for Balance Transfers, and for Cash Advances. We apply the applicable Daily Periodic Rate or the DPR (the DPR for each category is the applicable APR shown on the front of the statement divided by 365). to each of the applicable daily balances for 0 Purchases, u) Balance Transfers, and nil 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 adiustment(s). Your Cardmember Agreement provides for compounding of interest A credit balance is treated as a balance of zero If you multply the 'Balance Subject to Interest Rate' for each balance category as shown on your monthly billing statement by the number of days in the billing period and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for minor variations caused by rounding. Credit bureau reports and disputes. We may report information about your account to credit bureaus. late payments, missed payments, or other defaults on your account may be reflected in your credit report if you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau directly or contact us at UBS Bank USA, Card Operations Division, 315 Deadenck Street, 5th Floor, Nashville, TN 37238 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 imestigate, notify you of our findings, and, if warranted, send an update to the credit bureaus within 30 days. What to do if you think you find an error on your statement If you think there Man error on your statement, please write to us at UBS Bank USA - Card Operations Division 315 Deadenck Street, 5th Floor Nashville, TN 37238 O2011 UBS Bank USA in your letter, give us the following information: • Account Information: your name and account number • Dollar amount: IHL, dal ar amount of the suspected error • Description of problem if you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, rf we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount • While you do not have to pay the amount in question, you are responsible for the remainder of your balance • We can apply any unpaid amount against your credit limit. Your rights if you we dissatisfied with your credit card purchases if you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note. Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with Cash Advances from an ATM or with a check that accesses your credit card account do not qualify. 3 You must not yet have fully paid for the purchase if all the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at. UBS Bank USA • Disputes Department P O Box 84040 Columbus, GA 31908 While we investigate, the same rules apply to the disputed amount as referenced above in the section covering errors on your statement. After we finish our investigation, we will notify you of our decision At that point, if we think you owe an amount and you do not pay that amount, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account I CONFIDENTIAL SDNY_GM_00009581 EFTA01597248