EFTA00271204.pdf

SUBS Statement Billing Period: Payment Due Date Minimum Payment Due 02/27/14 - 03/26/14 April 23, 2014 $52.00 UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Page 1 of 6 Customer News Primary Card Number Encfrig Questions? Call 1-800-762-1000 ubs.com/onlineservices Pay Credit Card reminder Account Summary Activity Summary Do not mail payment. Your Minimum Payment Due S52 CO Previous Balance $66.00 Statement Balance in the amount of Payment Due Date 04/23/14 - Payments $5,203.84 is scheduled to be paid on C , eda Line 335,000.00 + !lases $5,455.84 4/18/14 from your UBS Account. Available Credit Line $29,796.16 - Other Credi Thank you. Cash Credit Line 314,C00 010 + Cash Advances Salable Cash Line $14,000.00 + Fees $0.00 Starting April 15th your My Choic Past Due Amount $aca + Interest Rewards cruise options will be as -it Amount $0.00 Statement Balance $5,203.84 easy to book as your rewards flights. Get a cruise ticket of up to $900 in Payment Information* value for 50.000 points or pay for a Statement Balance $5.203.84 portion of any cruise ticket at the Minimum Payment Due $52.00 rate of 100 points per dollar. Call Payment Due Date 04/23/2014 UBS Client Services at 800-762-1000 and press 2 for more Late Payment Warning: If we do not receive your minimum payment by the date listed above, you details and to book your cruise. may have to pay a late fee up to S35.00 and your APRs may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more Redeem your My Choice Rewards in interest and it will take you longer to pay off your balance. points to get premium gift cards. the For Instance latest gadgets and amazing travel at If you make no additional charges You will pay off the bale ubs.com/onlineservices in the cash using this card and each month shown on this statement i management tab. you pay... about... Only the Minimum Payment 22 years $10,526 46,336 $176 3 years (Savings = 54,190) If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA is 1-800-762-1000. New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. 1-800-342-3736 or www.dh.ny.gov * Repayment information is based on your account activity and the APRs on your account as of the closing date of this statement. Account activity after the closing date is not reflected. To view your most recent transaction activity online, go to ubs.conVonlineservices. Detach here. Please make 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 UBS Card Number Ending in Minimum Payment Due Statement Balance $52.00 $5,203.84 COLUMBUS GA 319084040 Payment Due Date April 23, 2014 You are enrolled in Automated Pay Credit Card. Send paym enis to: GHISLAINE MAXWELL UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 042314 4197425000032999 6 0000005200 6 EFTA00271204 leportat Infonnetion Lest er stolen card: Your credit card is issued by UBS Bank USA. If pay your account online. Payments made on our website by 6:00 p.m. your card is lost or stolen, please contact us immediately at Eastern time will be credited to your account that same day. Available 1-800-762-1000 at any time. You will not be liable for any only for cardholders with a UBS Resource Management Account unauthorized use that occurs after you notify us. You may, however, be (RMAQa) or UBS Business Services Account BSA 110. liable for unauthonzed use that occurs before your notice to is In any case, your liability will not exceed 550. 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. Payment Information: Each billing cycle, you must pay at least the Eastern time will be credited to your account that same day, and Minimum Payment Due shown on your monthly statement by its reflected in your credit line by the next day. You can also make a Payment Due Date. Both the Minimum Payment Due and Payment Due phone payment from your UBS account as late as 6:00 p.m. Eastern Date are noted on your statement. At any time you may pay more than time. This payment will be credited as of that same day, but application the Minimum Payment Due up to the full amount you ewe us, however to your credit line may be delayed. 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 Overnight payments: Send overnight courier service or USPS Prionty than one payment in a billing cycle, you will still need to pay the next Mail payments to UBS Bank USA--Card Services, 2975 Regent month's required Minimum Payment Due by your next Payment Due Boulevard, P.O. Box 203219, Irving: TX 75063. A payment received at Date. Remember to make all checks payable to Card Services. Please this address by 5:00 p.m. Central time that otherwise meets the 8 allow 7 days for the U.S. Postal Service to deliver your payment requirements of a conforming payment will be credited to your account 8 to us. Upon our receipt, your available credit may not be 8 that same day. increased by the payment amount for up to 7 days to ensure the funds from the bank on which yew payment Is drawn are Ardernafic repayment of cash advances through Cashranect collected and not returned. When you provide a check as payment The CashConnect feature on your UBS credit card account will on this Account, you autrionze us to either use the information from automatically repay new Cash Advances obtained from ATMs and your check to make a one-time electronic fund transfer from your financial institutions (CashConnect Cash Advances), each night, with account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, available funds from your UBS Resource Management Account funds may be withdrawn from your account as soon as the same day IRMA or your UBS Business Services Account BSA ®(either referred to we receive your payment, and you will not receive your check back as your UBS Account). You will incur no interest charges on from your financial institution. For inquiries please call 1-800-762-1000. CashConnect Cash Advances: as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance Moiled payments: A conforming payment received by us by 5:00 transaction in full when we first seek payment from your UBS Account. p.m. Central time will be credited to your account the day of receipt. A If sufficient available funds are not available in your UBS Account to pay "conforming payment" is a payment that: 1) is mailed using the off your CashConnect Cash Advances balance in full, then the APR for enclosed envelope and payment coupon included with this statement to Cash Advances will apply as of the original transaction date on any UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210 remaining balance. You will be charged the APR on Cash Advances on and 2) is in the form of a single, non-folded check or money order made your remaining CashConnect Cash Advance balance until it is repaid in payable in US dollars from a US based institution. Any payment that full. Applicable ATM surcharge fees may apply. No other account does not meet these requirements, or any payment with multiple checks balances are paid through the CashConnect feature. If you choose not or money orders, additional correspondence, staples, paperclips, etc. to participate in the CashConnect feature, please contact UBS at will be considered a "non-conforming payment" which may delay the I-800-762-1000. Available only for cardholders with a U85 Resource crediting of the payment for up to 5 days. We can accept late Management Account or UBS Business Services Account BSA. payments, partial payments, checks and money orders marked "Paid in Full" or language having the same effect without losing any of our Accrual of Interest and hew to avoid paying Interest en rights under this Agreement, and such payments may be sent to the purchases. following address: UBS Bank USA—Card Services, P.O. Box 203219, Your due date is at least 23 days after the close of each billing cycle. On Dallas, TX 75320-3210. Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance that was shown on your Other payment options: previous billing statement by the Payment Due Date on that statement, Online: Visit ubs.comionlinesewices to sign up for Pay Credit Card to then (1) we will not impose interest on Purchases during your current Continued on back of next page EFTA00271205  Page 3 of 6 You've Earned Bonus Points Congratulations! You have earned 5,000 bonus points this month. My Choice Rewards Points from UBS Total Points Beginning Points this period 66 Points earned this period 5.204 Bonus points 5.000 Adjustments 0 Redemptions 0 Ending points balance 10,270 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity to GHISLAINE MAXWELL - Card ending rIM Date Descnpocn Amount Payments 03/14 AMTRAK .COM 0720743559943WASHINGTON DC -$252.00 TIC: 0720743559943 DEPT DATE: 03/17/14 ORIG: NYP DEST: STM 03/18 PAYMENT THANK YOU -$66.00 Total Payments Activity -$318.00 Purthases 02/28 STARBUCKS #05401 BEVERLY Beverly HilIsCA 52.95 03/04 BEVERLY HILLS RENT A CAR LOS ANGELES CA $560.46 Check Out Date: Check In Date: 02/26114 Daily Rate: $0.00 03/04 STARBUCKS #08242 MIAMI BEMiami Beach FL 5370 03/06 PAYPAL •lON CA $2,310.00 08/07 STARBUCKS #08242 MIAMI BEMiami Beach FL 54.23 03/07 THE STANDARD MIAMI F&B MIAMI BEACH FL 552.07 03/10 INMT •TOP SHELF STAFFN212.8421033 NY 5787.50 03/10 JASON POSSUMATO (41 $1,360.93 03/13 AMTRAK .COM 0720743559943WASHINGTON DC $252.00 TIC: 0720743559943 DEPT DATE: 03/17/14 ORIG: NYP DEST: STM 03/14 AMTRAK .COM 0730616529667WASHINGTON DC $122.00 TKT. 0730616529667 DEPT DATE: 03/17/14 ORiG NIP DEST: STM Total Purchases Activity SSASS.84 Summary of Fees and Interest 11 2014 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2014 Total Interest Charged in 2014 Interest Charge Calculation - 28 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES 50.00 13.24% CO $0.00 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES $0.00 21.99% (v) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271206  Page 4 of 6 billing penod if you pay the Statement Balance on the current billing In your letter, give us the • rig information: statement by the Payment Due Date in the current billing period, and Account Information: Your name and account number. (2) we will credit any payment applied toward Purchases as of the first Dollar amount: • ar amount of the suspected error. day in your current billing penod if you make a payment by the Payment Description of problem: if you think there is an error on your Due Date in the current billing period that is less than the Statement ces:rthe •ealat you oel.cNe is wrong and why you believe it is a Balance. If a Statement Balance was shown on your previous billing mistake. You must contact us within 60 days after the error appeared statement and you did not pay the Statement Balance by the Payment on your statement. Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the You must notify us of any potential errors is weridnig. You may call us, Statement Balance shown on the current billing statement by the but if you do we are not required to investigate any potential errors and Payment Due Date in the current billing period. For Balance Transfers, you may have to pay the amount in question. interest will accrue from the day we send the Balance Transfer to the While we investigate whether or not there has been an error, the payee. For Checks, interest will accrue from the day the payee accepts following are true: the check. For Cash Advances, interest will accrue from the day you We cannot try to collect the amount in question, or report you as take the Cash Advance. delinquent on that amount. The charge in question may remain on your statement, and we How we will calculate your balance subject to interest rate. may continue to charge you interest on that amount. But, if we We use a method called "daily balance' (includuty new purcbase5). To determine that we made a mistake, you will not have to pay the determine the amount of the interest to be charged on your Account amount in question a any interest or other fees related to that we first calculate the "Balance Subject to Interest Rate" separately for amount. 8 Purchases, for Balance Transfers, and for Cash Advances. We apply the While you do not have to pay the amount in question, you are applicable Daily Periodic Rate (the OPR) (the DPR for each category is responsible for the remainder of your balance. the applicable APR shown on the front of the statement dmded by We can apply any unpaid amount against your credit limit. 365), to each of the applicable daily balances for i) Purchases, u) Balance Transfers and iii) Cash Advances. The daily balances fa Von rights if you are dissatisfied with yew credit card Purchases, for Balance Transfers and for Cash Advances are each pines calculated separately and determined as follows: We take the beginning If you are dissatisfied with the goods or services that you have balances for each transaction type on your Account each day, including purchased with your credit card, and you have tried in good faith to any interest calculated on the previous day's balance, add to the correct the problem with the merchant, you may have the right not to respective balances any new transaction, subtract any payments or pay the remaining amount due on the purchase. To use this right, all of credits and make any other applicable adjustment(s). Your Cardmember the following must be true: Agreement provides for compounding of interest. A credit balance is I. The purchase must have been made in your home state or within treated as a balance of zero. If you multiply the "Balance Subject to 100 miles of your current mailing address, and the purchase price Interest Rate for each balance category as shown on your monthly must have been more than $50. (Note: Neither of these are billing statement by the number of days in the billing penod and then necessary if your purchase was based on an advertisement we multiply each sum by the applicable DPR, the results will be the interest mailed to you, or if we own the company that sold you the goods assessed, except for mince variations caused by rounding. or services.) 2. You must have used your credit card for the purchase. Purchases Oredk bureau reports and disputes: We may report information made with cash advances from an ATM or with a check that about your account to credit bureaus. Late payments, missed accesses your credit card account do not qualify. payments, or other defaults on your account may be reflected in your 3. You must not yet have fully paid for the purchase. credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau If all of the criteria above are met and you are still dissatisfied with the directly or contact us at UBS Bank USA, Card Operations Division, 1000 purchase, contact us is mirkIng at: Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request UBS Bank USA--Disputes Department your name; your account number; the credit bureau where you received P.O. Box 84040 the credit report; a description of the error; and why you believe it is an Columbus, GA 31908 error. We will promptly investigate, notify you of our findings, and send While we investigate, the same rules apply to the disputed amount as an update to the credit bureaus if warranted within 30 days. 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 Wbat to do If you think you find • 'mistake on your ststemseut pay, we may report you as delinquent. If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Mason Please refer to your Cardmember Agreement for additional information 1000 Harbor Boulevard, 8th Floor about the terms of your Account. Weehawken, NJ 07086 C2011 UBS Bank USA EFTA00271207  Page 5 of 6 Important Changes to Your Account Terms We are changing the way that we determine your Minimum Payment Due. This change will take effect on May 27. 2014. We are replacing the first three sentences in the section of your Cardm ember Agreement titled "Your minimum payment each month" with the following: Each billing cycle, you must pay at least the Minim um Payment Due shown on your monthly statement by its Payment Due Date. If the Statement Balance shown on your monthly statement is less than 535, your Minimum Payment Due (due by the Payment Due Date) will be that Statement Balance amount. Otherwise, if your Statement Balance is equal to or greater than 535, your Minimum Payment Due will be the greater of S35 or the total of (1)2% of the Principal Balance (defined as the total Statement Balance minus any interest charges, Returned Payment Fees, and Late Payment Fees that are incurred during the current billing cycle), plus (2) interest charges incurred during the current billing cycle (for this purpose, interest charges incurred do not include interest charges that accrued during prior billing cycles on a deferred interest balance (if there are any on your Account) that ended during the billing cycle covered by the statement), Plus (3) any Returned Payment Fees and any Late Payment Fees incurred during the current billing cycle, plus (4) if your Account has an Annual Fee and if we so elect, a portion of the amount of the Annual Fee (unless you have already paid the Annual Fee in full), plus (5) if we so elect, any amount past due and/or amount over your credit line at the time of billing. Notice of Important Changes to Your Cardmember Agreement Effective May 10, 2014, we are replacing the last three sentences of the section of your Cardmember Agreement titled "Transaction fees" with the following: When you use an ATM, you may be charged a fee by the ATM operator and /or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a transaction). if you have an active U8S Account linked to this credit card account UBS Financial Services will reimburse your U.S. domestic ATM fees, up to 53.00 per transaction for an unlimited number of transactions per year for the UBS Visa Signaturee credit card, and up to 410.00 per transaction for an unlimited number of transactions per year for the UBS Preferred Visa Signaturee credit card. We will not reimburse your international ATM fees. We are able to rebate ATM fees only in cases where the transaction fee surcharge is submitted to UBS by the ATM operator and / or network used. In the event that you have not received a rebate for a fee that you believe is eligible, please call 800-762-1000 or collect at 201-352-5257 for assistance. Effective immediately we are replacing the sections of your Cardmember Agreement titled "Authorized users" and "Credit information" with the following: Authorized users You may allow Authorized Users to use your Account and designate a spending limit for any Authorized User. if you allow an Authorized User to use your Account, you will be liable for all transactions made by that person including transactions for which you may not have intended to be liable, even if the amount of those transactions causes your credit line or the spending limit of any Authorized User to be exceeded. You must notify us to revoke your permission to allow an Authorized User to use your Account or Card, and you must obtain possession of any Card that has been given to the Authorized User. Until you revoke your permission and obtain possession of any Card, you are responsible for all charges made by Authorized Users, including Balance Transfer Check and Cash Advance Check transactions, regardless of whether you intended to be responsible for those charges and you must obtain any Card that has been given to the Authorized Users. If you request additional Cards for Authorized Users, checks accessing this Account may also be included with the Card. Credit information You agree that we may request consumer credit reports from one or more credit reporting agencies in connection with your application and the review, administration and collection of your Account. You di10 authorize us to exchange credit information concerning you or your Account or any Authorized Users with (and answer questions and requests from) others, such as merchants, other lenders and credit reporting agencies. 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 or the credit report of any Authorized User is inaccurate or incomplete, please contact the credit bureau directly or contact us at UBS Bank USA, Card Operations, 1000 Harbor Boulevard, 6th floor, Weehawken, Nl 07086. We will request your name and/or EFTA00271208  Page 6 of 6 the name of the Authorized User; your Account number; the credit bureau where you or the Authorized User received the credit report; a description of the error; and why you believe it is an error. We will promptly investigate, notify you or the Authorized User of our findings, and send an update to the credit bureaus if warranted within 30 days. Effective immediately we are adding the following section titled • Personal Identification Number (PIN)' after the section of your Cardmember Agreement titled "Checks on Your Account." This feature is offered under the same terms and conditions as the existing account. Personal Identification Number (PIN) 8 We may issue you a PIN that you can use to obtain a Cash Advance at participating ATMs, or to authorize other transactions at terminals that connect with a microchip embedded in your Card. You must keep your PIN confidential, 8 and may not write it on your Card or on any material you keep with your Card. You agree that we may honor each P. ATM or other transaction according to the instructions keyed in for it at the ATM or terminal, and you acknowledge 8 that each transaction made using your Card and PIN will have the same effect, and you will be liable, as if it was made by a written document signed by you. EFTA00271209  SUBS Statement Billing Period: Payment Due Date Minimum Payment Due 02/18/14 - 02/26/14 March 23, 2014 $15.00 UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Pagel of 4 Customer News Primary Card Number EncImg Questions? Call 1-800-762-1000 ubs.corwonbneservices Welcome Account Summary Activity Summary Thank you for choosing the UBS Card Minimum Payment Due $15.00 Previous Balance $aw I Program. We are pleased to have you Payment Due Date as a new U8S Visa Signature credit C 'prat Line $35,000.00 + Purchases $66.00 card holder and hope you enjoy the Available Credit Line $34,9341. ?edits convenience your new credit card Cash Credit Line 414,000.00 + Cash Advances offers, including rewards, concierge Available Cash Line $14,00(411 + Fees $0.00 I services and other valuable features. Past Due Amount $0.00 + Interest Overlimit Amount a 50.00 `Statement Balance $66.00 I View your card account activity. download credit card statements and Payment Information* more at ubs.com lonlineservices in the Statement Balance $66.00 cash management tab. Minimum Payment Due $15.00 Payment Due Date 03/23/2014 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 $35.00 and your APRs may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance 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 5 months $68 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.conVonlineservices. 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 UBS Card Number Ending in Minimum Payment Due Statement Balance Mi $15.00 $66.00 COLUMBUS GA 31908.4040 Payment Due Date March 23, 2014 Amount Enclosed: S Send payments to: GHISLAINE MAXWELL UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 032314 4197425000032999 6 0000001500 6 EFTA00271210 leportat Infonnetion Lost or stolen card: Your credit card is issued by UBS Bank USA. If pay your account online. Payments made on our website by 6:00 p.m. your card is lost or stolen, please contact us immediately at Eastern time will be credited to your account that same day. Available 1-800-762-1000 at any time. You will not be liable for any only for cardholders with a UBS Resource Management Account unauthorized use that occurs after you notify us. You may, however, be (RMAQa) or UBS Business Services Account BSA 110. liable for unauthonzed use that occurs before your notice to is In any case, your liability will not exceed 550. 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. Payment Information: Each billing cycle, you must pay at least the Eastern time will be credited to your account that same day, and Minimum Payment Due shown on your monthly statement by its reflected in your credit line by the next day. You can also make a Payment Due Date. Both the Minimum Payment Due and Payment Due phone payment from your UBS account as late as 6:00 p.m. Eastern Date are noted on your statement. At any time you may pay more than time. This payment will be credited as of that same day, but application the Minimum Payment Due up to the full amount you ewe us, however to your credit line may be delayed. you cannot "pay ahead". This means that if you pay more than the 8 required Minimum Payment Due in any billing cycle or if you make more 0 Overnight payments: Send overnight courier service a USPS Prionty 8 than one payment in a billing cycle, you will still need to pay the next Mail payments to UBS Bank USA--Card Services, 2975 Regent month's required Minimum Payment Due by your next Payment Due Boulevard, P.O. Box 203219, Irving: TX 75063. A payment received at Date. Remember to make all checks payable to Card Services. Please this address by 5:00 p.m. Central time that otherwise meets the allow 7 days for the U.S. Postal Service to deliver your payment requirements of a conforming payment will be credited to your account 8 to us. Upon our receipt, your available credit may not be that same day. increased by the payment amount for up to 7 days to ensure 8) (0 the funds from the bank on which yew payment Is drawn are Ardernafic repayment of cash advances through Cashranect collected and not returned. When you provide a check as payment The CashConnect feature on your UBS credit card account will on this Account, you autrionze us to either use the information from automatically repay new Cash Advances obtained from ATMs and your check to make a one-time electronic fund transfer from your financial institutions (CashConnect Cash Advances), each night, with account a to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, available funds from your UBS Resource Management Account funds may be withdrawn from your account as soon as the same day (RMA'IE a your UBS Business Services Account BSA ®(either referred to we receive your payment, and you will not receive your check back as your UBS Account). You will incur no interest charges on from your financial institution. For inquiries please call 1-800-762-1000. CashConnect Cash Advances: as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance Moiled payments: A conforming payment received by us by 5:00 transaction in full when we first seek payment from your UBS Account. p.m. Central time will be credited to your account the day of receipt. A If sufficient available funds are not available in your UBS Account to pay "conforming payment" is a payment that: 1) is mailed using the off your CashConnect Cash Advances balance in full, then the APR for enclosed envelope and payment coupon included with this statement to Cash Advances will apply as of the original transaction date on any UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210 remaining balance. You will be charged the APR on Cash Advances on and 2) is in the form of a single, non-folded check or money order made your remaining CashConnect Cash Advance balance until it is repaid in payable in US dollars from a US based institution. Any payment that full. Applicable ATM surcharge fees may apply. No other account does not meet these requirements, or any payment with multiple checks balances are paid through the CashConnect feature. If you ch