EFTA00238930.pdf

SUBS ( Statement Billing Period Payment Due Date Minimum Payment Due 11/27/17 • 12/26117) January 23, 201$ 50.00 UBS Visa Signature credit card statement Fri,d, ed for GinSLAINE MAXWELL Page 1 of 4 Customer News nutty Card Number Ending on 9433 Questions7 call 1-803-762-1000 Pay Credit Card reminder Do -H mail payment. Your Account Summary Activity Summary Minimum Payment Due SO 00 ous Balance 4133.00 Statement Balance in the amount of Payment Due Date 01/23/18 - Payments S 133.00 $0.00 is scheduled to be paid on Credit Life 535.000 00 - Purchases 50 00 1/20/18 from your UBS Account. Available Credit line - Other Credits 50.00 Thank you. Ca), Ciod t L re $14.000 0C r Cash Advances $0.00 Avalable Cash Line 514,000.00 + Fees 10.00 Add your UBS credit card to Apple Pay and turn on Apple Wallet notifications to receive immediate Past Due- Amount Overlimit Amount 50 00 $0.00 I + Interest . Statement Balance 50.00 $0.00 transaction notification for all your Payment Information' UBS credit card transactions. Apple Statement Balance $0.00 Pay and Wallet are trademarks of Minimum Payment Due $0.00 Apple Inc., registered in the U.S. and Payment Due Date 01/23/2018 other countries. Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $38.00 and your APRs may be increased to the Penalty APR of 29.99% Minimum Payment Warning: Your account currently has no balance and no minimum payment is due at this time. The phone nunber for U8S Bank USA is 1-800-762-1000. New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. 1.800-342-3736 or www.dfsny.gov • Repayment information is based on your account activity and the APRs on your account as of the closing date of this statement. Account activity after the dosing date is not reflected.To view your most recent transaction activity online, go to ubs.com/onlineservices. Detach here. Please e checks payable to ' UBS Card Services • and include this payment coupon in the enclosed envelope. Please Slow 7 - 10 business days for u S. Postal Service delnery. undebwrablet return to: U8S BANK USA - CARD SERVICES FO BOX 84040 SUBS Card Number Ending in Minimum Payment Due Statement Balance 9433 $0.00 $0.00 COLUMBUS GA 31908-4040 Payment Due Date January 23, 2018 You are enrolled in Automated Pay Credit Card. Sendpayments /0: GHISIAINE MAXWELL UBS BANK IJS4 • CARD SERVICES PO BOX 203219 DALLAS rx 75320-3219 012318 7826000014012491 5 0000000000 5 CONFIDENTIAL UBSTERRAMAR00003580 EFTA00238930 Important information about your HIS credit card lost or stolen card. Your credit card is holed by Ulf Bank USA If Other payment options. your card is low or stolen. please contact us immediately at any tine at 1.888.762.1232 for the UB6 Via Infante credit card or 1-800.762.1000 Online: Von to sign up for Pay Credit Card to for the UBS Visa Signature credit card. You will not be liable for any pay your account online. Payments made through Payeredit Card will be credited to your account that same day if requested prior to 4:00 M. unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that ocairs before your notice to us. h any Eastern time for debits from an «lanai aixount and 6:00 M. Eastern case, your liability will not exceed $50. time for debits from a LIB Resource Management Account (RMA)or U1311 Business Senices Account IBA account. Available onolorcadholders Payment Information. Bch biting cyck, you must payat least the with an RNA or OS Business Services Account Minimum Payment Due shown on your monthlystatement by its Pay by Phone: To make a payment by phone, please call Payment Due Date. Fixth the Minimum Payment Due and Payment Due r 1.888.762.1232 for the LIB Visa kill« credit card or 1.800.762.1000 Date are noted on your statement. At anytime you may pay more than the Minimum Payment Due up to the full amount you owe us, however for the OE Visa Signature credit card. Payments made from an outside account by 5:00 M. Eastern time will be credited to your account same you cannot "pay ahead." This means that if you pay more than the requited Mitinum Payment Due in any bilks cycle or if you make more day. Payments made from your UBS account by 6:00 M. Pastern time are abio credited same day. Application of any phone payment to your than one payment in a biing cysie, you will still need to pay the next month's required Minimum Payment Due by your next Payment Due credit line maybe delayed for up to 7 days. Date. Remember to make all checks payabk to U138 Card Senices. Overnight payments: Send overnight courier senice or USPS Priority o Please allow 7 days for the C.S. Postal Service to deliver your Mail payments to UBS Bank USA - Card Services, 2975 Regent Ibukvard. payment to us. Upon our receipt. your available credit may not tux 203219. Irving. 'V< 75063. A payment received at this address be Increased by the payment amount for up to 7 days to ensure by 5:00 M. Central time that otherwise meets the requiements of a all the funds from the bank on w hkh your payment b draw a are conforming payment will be credited to your account that same day. collected and not returned. Alen you provide a check as payment on this Account, you authorize us to either use the information from Automatic repayment of cash advances through your check to make a one-tine electronic fund transfer from your Cash Canners: The CashConnect feature on your UM credit card account or to process the payment as a check transaction. When we use account wit automatically repaynew Cash Ashances obtained from information from your check to make an el:aro:tic fund transfer. funds Arils and financial institutions (CashConnect Cash Advances). each maybe withdrawn from your account as soon as the same day we night. with mailable funds from your LIE Resource Management recent your payment. and you will not receive your check back from Account (RSIA)or your UBS Business Services Account BSA (either your financial instautinn. For inquiries, please call t-888.762.1232 for referred to as your LIB Account). When we use your CBS Account to the LTIS Vita labile credit card or 1400-762-1000 for the LIB Vasa repay your CashConnea Cash Advance transaction in full you will not Signature credit card. incur any interest charges. 'there are insufficient funds in your UES Account to pay off your CashConnect Cash Advances balance in full Mailed Payments. A confonnirn payment received by us by 5:00 M. then the APR for your Cash Mvances will apply as of the original Central time will be credited to your account the day of receipt. A transaction date on any remarking balance. You will be charged the APR "conforming payment" is a payment that: I)is mailed using the enclosed on Cash .Advances on your remaining CashConnect Cash .Advance envelope and payment coupon incbded with this statement to VHS link balance until it is repaid in full Applicable Aft surcharge fees may USA- Card Senices, Ebx 203219, Dallas, 'N75320-3210 and 2) is apply. No other account balances are paid through the CashConnect it the fonn of a skit, non-folded check or money order made payable feature. If you choose not to participate in the CashConnect feature. in US dollars from a LB based institution. Any payment that does not please contact us at 1-888-762-1232 for the LIB Via Infinite credit card meet these requirements or any payment with multiple checks or money or 1-800.762.1000 for the UES Yea Signature credit card. clvoitabk onfr orders, additional correspondence, staples, paperclips, etc. will be for cardholders with an MIA or Business Sensors Account BSA. considered a "non-conforming payment." which may delay the crediting of the payment for up to 5 days. We can accept late payments, partial Accrual of Interest and how to avoid paying Interest on payments. checks and money orders marked "Pail it Kt or language purchases. Your due date is at least 23 days after the dose of each hosing the same effect without losing any of our rights under thii billing cycle. On Purchases, interest begins to accrue as of the Agreement and such payments may be sent to the following address: transaction date. Floc • • • if you paid the Statement Balance from your UM Bank USA- Card Senices, Ebx 203219, Dallas, TX previous billing statement by the Payment Due Date on that statement, 75320-3210. then (I ) we wig not impose interest on Purchases during your cumta Continued on back of next page CONFIDENTIAL UBSTERRAMAR00003581 EFTA00238931  Page 3 of 4 My Choice Rewards Points from UBS Account Summary Total Point* Begnning Pants this period 7,341 Points earned this period 0 Bonus points 0 Adjustments 0 Redemptions 0 Endng points balance 7,341 *For more details on your rewards points activity, please visit us oNine at ubs.conifuscards 10" C It 9:33 Date 0. plon Amcor,: 12/20 PAYMENT MANY. YOU 4133.00 Total Payments Activity -$133.00 2017 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2017 $0.00 Total Interest Charged in 2017 $0.00 Interest Charge Calculation- 30 Days in Billing Cycle Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge 16.24% M S0.00 16.24% Iv/ S0.00 23.24% M S0.00 $0.00 CONFIDENTIAL UBSTERRAMAR00003582 EFTA00238932  Page 4 of 4 bang period if you pay the Statement Ebbnce on the current biting h your titter. give us the following information: statement by the Payment Due Date in the current bitng period. and (2) so Account Information: your name and account number we wil end/ any payment applied toward Purchases as of the fest day it ao Dollar amount: the dollar amount of the suspected error your current biting period if you make a payment by the Payment Due ao Description of problem: if!mu think there is an error on Date in the current biting period that is less than the Statement Mance. your bit describe what you believe is wrong and why you If a Statement Ihlance was shown on your previous billing statement and belies I is a mistake. You must contact us within 60 days you did not pay the Statement Ilabnce by the Payment Due Due on that after the error appeared on your statement. statement, then we will not impose Interest Charges on any Purchases You must notify us of any potential errors In w riling. You may callus, during the current biting period if you pay the Statement firlanct shown but if you do we are not required to inestigate any potential errors and on the current billing statement by the Payment We Date in the current you may have to pay the amount in question. biting period. For Mance Transfers, interest wil accrue from the day we While we investigate whether or not there has been an error. send the Ildance Transfer to the payee. For Checks. interest will accrue from the day the payee accepts the check. For Cash Advances, interest so We cannot try to collect the amount in question. or report you will accrue from the day you take the Cash Advance. as delinquent on that amount. ao The charge in question may remain on your statement, and we Clow w e w ill calculate your balance subject to interest nate. may continue to charge you interest on that amount. ait, o We use a method called "dal>, balance" (incbding new purchasers). To we determine that we made a mistake, you will not have to determine the amount of interest to be charged on your Account, we g pay the amount in question or any interest or other fees g tint calculate the "Firbnce Subject to Interest Rate" separately for related to that amount. Purchases, for Balance Transfers, and for Cash Advances. We applythe so While you do not have to paythc amount in question, you are applicable Daily Periodic Rate or the DPR (the DPR for each category is responsible for the remainder of your balance. the applicable .APR shown on the front of the statement divided by365). so We can apply any unpaid amount against your credit limit. to each of the applicable daily balances for 0 Purchases, ii)Iblance Transfers. and ii)Cash Advances. The daffy balances for Purchases. for Your rights if you are dissatisfied with your credit and Iblance Transfers, and for Cash Advances are each calculated separately purchases and determined as follows: We take the beginning balances for each If you are dissatisfied with the goods or senices that you have purchased transaction type on your Account each day, including any interest with your credit card and you have tried is good faith to correct the calculated on the prestos days balance. add to the respective balances problem with the merchant, you may have the right not to pay the any new transaction, subtract any payments or credits and make any remaining amount due on the purchase. To use this right, all of the other applicabk adjustment(sy Your Cardmember Agreement provides following must be true: for compounding of interest. A credit balance is treated as a balance of 1. The purchase must have been made it your home state or zero. lvou multiply the "Eblance Subject to Interest (late' for each within 100 miles of your current mailing address, and the balance category as shown on your monthly billing statement by the purchase price must have been more than S50. (Mote: Neither number of days in the biting period and then multiplyeach sum by the of these are necessary if your purchase was based on an applicable DPR the resuks will be the interest assessed. except for minor advertisement we mated to you. or if we own the company variations caused by rounding. that sold you the goods or services.) 2. You must have used your credit card for the purchase. Cledit bureau reports and disputes. We may report information Purchases made with Cash Advances from an Am or with a about your account to credit bureaus. Late payments. missed payments. check that accesses your credit card account do not qualify or other defaults on your account maybe reflected in your credit report. 3. You must not wt have fully paid for the purchase. If you believe that an entrywe have made on your credit report is If all the criteria above arc met and you are slit dissatisfied with the inaccurate or incomplete. please contact the credit bureau directlyor purchase, contact us In it cluing at: contact us at U1 USA, Card Operations Division. 315 Deaderick Street. 5th Floor. Mutilate. 1N 37238. We will request your name: your U13S Rink USA- Disputes Department account number, the credit bureau where you received the credit report; M. Box 84040 a description of the error. and why you believe it is an error. We wit Columbus, OA 31908 promptly insestigate, notify you of our findings, and, if warranted, send an update to the credit bureaus within 30 days. While we investigate, the same rules apply to the disputed amount as referenced above in the section covering errors on your statement. After What to do If you think you find an error on your ttttt ntent we fetish our investigation, we will notify you of our decision. At that r you think then: /Ian error on your statement, please write to us at: point. if we Oink you owe an amount and you do not pay that amount. we may report you as delinquent. UN Bulk USA- Card Operations Dkkion 315 Deaderick Street, 5th Floor Please refer to your Cardmember Agreement for additional information Nashville, 'IN 37238 about the terms of your Account. O2011 UBS Bank USA CONFIDENTIAL UBSTERRAMAR00003583 EFTA00238933