EFTA01596695

1 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $634.51 is scheduled to be paid on 4/18/17 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: Paynaent Due Date I1111111 m Payment Due UBS Visa Signature® credit card statement Prepared for: GHISUUNE MAXWELL Primary Card Number Ending in: In Account Summary Minimum Payment Due $35.00 men ue a Credit Line $35,000.00 Available Credit Line $34, Cash Credit Line 314 000.00 Available Cash Line $14, . Past Due Amount Overlimit Amnia 30.00 s0.00 Payment Information* Statement Balance Minimum Payment Due Payment Due Date 02/27/17- 03/26/17 April 23, 2017 535.00 Pagel of 4 Questions? Call 1-800-762-1000 obs.corri/onfriesenrices Activity Summary Previous Balance $647.50 ents + Purchases r libther Credits + Cash Advances $634.51 -"Mil $171501 $0.00 $0.00 $0.00 I + Fees + Interest `Statement Balance $634.51 I $634.51 $35.00 04/23/2017 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 21 months $715 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. 1-800-347-3736 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 COLUMBUS GA 31908.4040 GHISLAINE MAXWELL UBS Card Number Ending in Minimum Payment Due $35.00 Statement Balance $634.51 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 DENTJAL 0000003500 2 SDNY_GM_00008773 EFTA01596695 Important Information Lest or stolen card: Your credit card is issued by UBS Bank USA. If your card is lost or stolen, please contact us immediately at 1-800-762-1000 at any time. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed 550. Payment htfennMien: 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 Strube 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 ak r .„, , k 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 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. Mbar 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. AntentatIc 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 (RMAe) 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 8 § 8 8 CONFIDENTIAL SDNY_GM_00008774 EFTA01596696 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 55,552 Points earned this petiod 635 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 56,187 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHISLAINE MAXWELL - Card ending OM. Date Desoiptica Amount Payments 03/17 PAYMENT THANK YOU 4647.SO Total Payments Activity -5647.50 Purchases 03/03 Amazon Mb services aws.amazon.coWA $129.51 03/04 CLOUDFLARE 650-3198939 CA $20.00 03/09 MAILCHIMP MAILCHIMP.COMGA $475.00 03/19 BUFFER BUFFER AWESOME 877-887-7815 CA $10.00 Total Purchases Activity $634.51 2017 Totals Year-to-Date Summary of Fees and Interest J Total Fees Charged in 2017 50.00 Total Interest Charged in 2017 50.00 Interest Charge Calculation - zs Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) Interest Charge PURCHASES 40.00 1174% (v) So.00 BALANCE TRANSFERS $0.00 13.74% (v) So.00 CASH ADVANCES $0.00 22.49% (v) So.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00008775 EFTA01596697 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 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 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, 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 an yaw ststooment If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Denson 1000 Harbor Boulevard, 8th Floor Weehawken, NJ 07086 C2011 UBS Bank USA In your letter, give us thu • rig information: • Account Information: Your name and account number. • Dollar amount: • : .dr 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 tarsillng. 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 credit 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 willing at: UBS Bank USA--Disputes Department P.O. Box 84040 Columbus, GA 31908 While kw 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_00008776 EFTA01596698 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $647.50 is scheduled to be paid on 3/18/17 from your UBS Account. Thank you. SUBS Statement Billing Period: Payment Due Date Minimum Payment Due UBS Visa Signature® credit card statement Prepared tor: GHISLAINE MAXWELL Primary Card Number Ending in: Account Summary Minimum Payment Due $35.00 men ue•a Credit Line $35,000.00 Available Credit Line $34,35 Cask Credit Line $14,000.00 Available Cash. Lilt $14, Past Due Amount $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/onaneservices Activity Summary Previous Balance $622.47 ents + Fees $0.00 + Interest `Statement Balance 5647.50 $647.50 $35.00 03/23/2017 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 21 months $731 If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA is I-800-762-1000. New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. 1-800-342-3736 or www.dh.ny.gov Repayment information is based on your account activity and the APRs on your account as of the closing date of this statement. Account activity after the closing date is not reflected. To view your most recent transaction activity online, go to ubs.comtonlineservices. Detach here. Please make checks payable to 'UBS Card Servicee 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 4441.2 Minimum Payment Due $35.00 Statement Balance $647.50 Payment Due Date March 23, 2017 You are enrolled in Automated Pay Credit Card. Send paym enis 10: UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 CON F I DENT] AL 0000003500 SDNY_GM_00008777 EFTA01596699 Important Inhumation 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 htfennthien: 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 year payment Is drawn are collected and not returned. When you provide a check cr: 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 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.com/onlineser✓ices 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 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 CONFIDENTIAL SDNY_GM_00008778 EFTA01596700 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 54,904 Points earned this petiod 648 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 55,552 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHISLAINE MAXWELL - Card encfmg Date Desoiplial Anicunt Payments 02/17 PAYMENT THANK YOU -$622.47 Total Payments Activity -$622.47 Purchases 02/04 Amazon Mb services aws.amazon.coWA $142.50 02/04 CLOUDFLARE 650-3198939 CA $20.00 02/09 MA1LCHIMP MAILCHIMP.COMGA $475.00 02/19 BUFFER BUFFER AWESOME 877-887-7815CA $10.00 Total Purchases Activity $647.50 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) S0.00 BALANCE TRANSFERS $0.00 13.74% (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_00008779 EFTA01596701 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing statement by the Payment Due Date in the current billing period, and (2) we will credit any payment applied toward Purchases as of the first day in your current billing penod if you make a payment by the Payment Due Date in the current billing period that is less than the Statement Balance. If a Statement Balance was shown on your previous billing statement and you did not pay the Statement Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the Statement Balance shown on the current billing statement by the Payment Due Date in the current billing period. For Balance Transfers, interest will accrue from the day we send the Balance Transfer to the payee. For Checks, interest will accrue from the day the payee accepts the check. For Cash Advances, interest will accrue from the day you take the Cash Advance. How we will calculate your balance subject to interest rate. We use a method called "daily balance' (includny new 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 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 flask you flood a 'mistake an year statement If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Denson 1000 Harbor Boulevard, 8th Floor Weehawken, NJ 07086 C2011 UBS Bank USA In your letter, give us the • ng information: • Account Information: Your name and account number. • Dollar amount: • :.dr amount of the suspected error. • Description of problem: If you think there is an error on your cesythe rvaat you oel.ee is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors is %veiling. 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 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 •tiling 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 CONFIDENTIAL SDNY_GM_00008780 EFTA01596702 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 $622.47 is scheduled to be paid on 2/18/17 from your UBS Account. Thank you. SUBS Statement Billing Period: Payment Due Date Nt 11111111M Payment Due UBS Visa Signature® credit card statement Prepared for: GHISUUNE MAXWELL Primary Card Number Ending in: Olt 12/27/16 - 01/26/17 February 23, 2017 535.00 Page 1 of 4 Questions/ Call 1-800-762-1000 ubs.convonaneservices Account Summary Minimum Payment Due $35, Activity Summary Previous Balance $593.30 Payment Due Date 02/23117 - Paymer all C t Line 335,000 00 - P.rchases $622.47 I Available Credit Line $34,377.53 - Other Cred I + Cash Advances Cast, Credit Line 314.000.00 Available Cash Line $14,000.00 + Fees $0.00 Past Due Amount 30.00 + Interest ‘ 111 `Statement Balance 5622.47 I Payment Information* Statement Balance Minimum Payment Due Payment Due Date 3622.47 $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 payoff 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 20 months $699 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 COLUMBUS GA 31908.4040 GHISLAINE MAXWELL UBS Card Number Ending in Minimum Payment Due Statement Balance Payment Due Date $35.00 $622.47 February 23, 2017 You are enrolled in Automated Pay Credit Card. Send payments io: UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 CON F I DENT) AL 0000003500 2 SDNY_GM_00008781 EFTA01596703 Important Information Lest or stolen card: Your credit card is issued by UBS Bank USA. If your card is lost or stolen, please contact us immediately at t-800-762-t 000 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 Info/Innen: Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Due Date. Both the Minimum Payment Due and Payment Due Date are noted on your statement. At any time you may pay more than the Minimum Payment Due up to the full amount you owe us, however you cannot "pay ahead". This means that if you pay more than the required Minimum Payment Due in any billing cycle or if you make more than one payment in a billing cycle, you will still need to pay the next month's required Minimum Payment Due by your next Payment Due Date. Remember to make all checks payable to Card Services. Please allow 7 days for the U.S. Postal Service to deliver your payment to us. Upon our receipt, your available credit may not be increased by the payment amount for up to 7 days to ensure the funds from the bank on which yam payment Is drawn are collected and not returned. Wnen you provide a check as payment on this Account, you auttionze 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, rum-folded check or money order made payable in US dollars from a US based institution. Any payment that does not meet these requirements, or any payment with multiple checks or money orders, additional correspondence, staples, paperclips, etc. will be considered a "non-conforming payment" which may delay the crediting of the payment for up to 5 days. We can accept late payments, partial payments, checks and money orders marked "Paid in Full" or language having the same effect without losing any of our rights under this Agreement, and such payments may be sent to the following address: UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210. Other payment options: Online: Visit ubs.comlonlineservices to sign up for Pay Credit Card to pay your account online. Payments made on our website by 6:00 p.m. Eastern time will be credited to your account that same day. Available only for cardholders with a UBS Resource Management Account (RMA4, or UBS Business Services Account BSA 110. Pay by phone: To make a payment by phone please call 1400-762-1000. 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. *retreads repayment of cash advances through CashCcenest 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 (FtMSVIE or your UBS Business Services Account BSA (Nether 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 hew to avoid paying Interest 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 (I) we will not impose interest on Purchases during your current Continued on back of next page CONFIDENTIAL SDNY_GM_00008782 EFTA01596704 Page 3 of 4 My Choice Rewards Points from UBS Account Summary Total Points Beginning Points this period 54,282 Points earned this period 622 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 54,904 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHISLAINE MAXWELL - Card ending in MI Date Desoiptica Amount Payments 01/18 PAYMENT THANK YOU -$593.30 -$593.30 Total Payments Activity Purchases 01/03 Amazon arab services aws.amazon.coWA $142.47 01/04 CLOUDFLARE 650-3198939 CA $20.00 01/09 MAILCHIMP MAILCHIMP.COMGA $450.80 01/19 BUFFER 877-887-7815 CA $10.00 Total Purchases AdbritY $622.47 Total Fees Charged in 2017 Total Interest Charged in 2017 $0.00 $0.00 Interest Charge Calculation - 31 Days in Billing Cyde El Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) PURCHASES $0.00 13.74% (v) So.00 BALANCE TRANSFERS $0.00 13.74% (v) So.00 CASH ADVANCES $0.00 22.49% (v) So.00 Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00008783 EFTA01596705 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing statement by the Payment Due Date in the current billing period, and (2) we will credit any payment applied toward Purchases as of the first day in your current billing penod if you make a payment by the Payment Due Date in the current billing period that is less than the Statement Balance. If a Statement Balance was shown on your previous billing statement and you did not pay the Statement Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the Statement Balance shown on the current billing statement by the Payment Due Date in the current billing period. For Balance Transfers, interest will accrue from the day we send the Balance Transfer to the payee. For Checks, interest will accrue from the day the payee accepts the check. For Cash Advances, interest will accrue from the day you take the Cash Advance. How we will calculate your balance subject to interest rate. We use a method called "daily balance' (includny new 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 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 days balance, add to the respective balances any new transaction, subtract any payments or credits and make any other applicable adjustment(s). Your Cardmember Agreement provides for compounding of interest. A credit balance is treated as a balance of zero. If you multiply the "Balance Subject to Interest Rate" for each balance category as shown on your monthly billing statement by the number of days in the billing penod and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for mince variations caused by rounding. Credit bureau reports and disputes: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau directly or contact us at UBS Bank USA, Card Operations Division, 1000 Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request your name; your account number; the credit bureau where you received the credit report; a descnption of the error; and why you believe it is an error. We will promptly investigate, notify you of our findings, and send an update to the credit bureaus if warranted within 30 days. Wbat to do If you think you fled a 'mistake on year statement 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 e2011 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 waiting. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question a any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Von rights if you are dissatisfied with yew credit card pees If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: I. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than S50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us 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 CONFIDENTIAL SDNY_GM_00008784 EFTA01596706 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $5 9 3.3 0 is scheduled to be paid on 1/1 8/1 7 from your UBS Account. Thank you. Make life easier while earning rewards: Set up your recurring monthly bills tor automatic payment with your UBS Visa Signature credit card. Not only will you earn rewards for each dollar spent, you'll have the convenience of writing fewer checks since your payments are automatically made with your card. Simply contact your providers to get started. SUBS Statement Billing Period: Payment Due Date Minimum Payment Due UBS Visa Signature® credit card statement Prepared for: GHISLAJNE MAXWg6 Primary Card Number Ending in: 1.9k Account Summary Minimum Payment Due Payment Due Date 01/23/17 - Payments Credit Line 535,000.00 Kittmases $593.30 I Available Credit Line $34,406.70 - Other Credi Cash Credit Line 414.030.00 + Cash Advances Available Cash Line $14,000.00 + Fees $0.00 Past Due Amount $0.00 I + Interact Overlimit Amount 50.00 `Statement Balance S593.30 Payment Information* Statement Balance $593.30 Minimum Payment Due $35.00 Payment Due Date 01/23/2017 11/27/16 - 12/26/16 January 23, 2017 535.00 Page 1 of 4 Questions? Call 1-800-762-1000 ubs.corn/onaneservices Activity Summary 4.35 CO Previous Balance $572.33 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: 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 19 months $661 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 B UBS Card Number Ending in Minimum Payment Due Statement Balance $593.30 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 $35.00 CON F I DENELIAL 0000003500 2 SDNY_GM_00008785 EFTA01596707 Important Infonnetion Lost or stolen ward: 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 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. Wnen you provide a check as payment on this Account, you aunionze us to either use the information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. For inquiries please call 1-800-762-1000. Moiled payments: A conforming payment received by us by 5:00 p.m. Central time will be credited to your account the day of receipt. A "conforming payment" is a payment that: 1) is mailed using the enclosed envelope and payment coupon included with this statement to UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210 and 2) is in the form of a single, non-folded check or money order made payable in US dollars from a US based institution. Any payment that does not meet these requirements, or any payment with multiple checks or money orders, additional correspondence, staples, paperclips, etc. will be considered a "non-conforming payment" which may delay the crediting of the payment for up to 5 days. We can accept late payments, partial payments, checks and money orders marked "Paid in Full" or language having the same effect without losing any of our rights under this Agreement, and such payments may be sent to the following address: UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210. Other payment options: Online: Visit ubs.comlonlineservices to sign up for Pay Credit Card to pay your account online. Payments made on our website by 6:00 p.m. Eastern time will be credited to your account that same day. Available only for cardholders with a UBS Resource Management Account (RMA4, or UBS Business Services Account BSA O. Pay by phone: To make a payment by phone please call 1-800-762-1000. An expedited payment made by phone by 5:00 p.m. Eastern time will be credited to your account that same day, and reflected in your credit line by the next day. You can also make a phone payment from your UBS account as late as 6:00 p.m. Eastern time. This payment will be credited as of that same day, but application to your credit line may be delayed. Overnight payments: Send overnight courier service a USPS Prionty Mail payments to UBS Bank USA--Card Services, 2975 Regent Boulevard, P.O. Box 203219, Irving: TX 75063. A payment received at this address by 5:00 p.m. Central time that othenuse meets the requirements of a conforming payment will be credited to your account that same day. Aretwasaffc 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 1RMA 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. Accrwol of Interest and how to avoid paying Interest on 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 S § 3 CONFIDENTIAL SDNY_GM_00008786 EFTA01596708 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 53,689 Points earned this petiod 593 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 54,282 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity fa. GHISLAINE MAXWELL - Card enifmg nit Date Desoipticn Amount Payments 12/16 PAYMENT THANK YOU -$572.33 -5572.33 Total Payments Activity Purchases 12/03 Amazon Mb services aws.amazon.coWA $138.30 12/04 CLCUDFLARE 650-3198939 CA $20.00 12/09 MAILCHIMP MAILCHIMP.COMGA $425.00 12/19 BUFFER 877-887-7815CA $10.00 Total Purchases Activity $593.30 Total Fees Charged in 2016 Total Interest Charged in 2016 $0.00 $0.00 Interest Charge Calculation - 30 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) PURCHASES $0.00 13.49% M $0.00 BALANCE TRANSFERS $0.00 13.49% M $0.00 CASH ADVANCES $0.00 22.24% (v) $0.00 Interest C harge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_000013787 EFTA01596709 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 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 OPR, the results will be the interest assessed, except for mince variations caused by rounding. Oedk bureau reports and disputes: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau directly or contact us at UBS Bank USA, Card Operations Division, 1000 Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request your name; your account number; the credit bureau where you received the credit report; a descnption of the error; and why you believe it is an error. We will promptly investigate, notify you of our findings, and send an update to the credit bureaus if warranted within 30 days. What to do If you think you flood a 'mistake on year statement 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 cesythe •ealat you oel.ee is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors is writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question a any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Vow rights if you are dissatisfied with now credit card powcbases 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_00008788 EFTA01596710 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $572.33 is scheduled to be paid on 12/18/16 from your UBS Account. Thank you. Shop for your holiday gift-giving needs. and use your points to do it. on the newly redesigned My Choice Rewards web site. Find gift cards for fine dining and premium retail. browse the latest in luxury goods and trendy gadgets. book your holiday travel at ubs.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: Account Summary Minimum Payment Due 435 CO Payment Due Date = 12/23/16 C'ed t Line $35.000 CO Available Credit Line $34.427.67 Case (feint Line CO Available Cash Line $14,000.00 Past PLC i 1/4 711O1,1 . SO CO Overlimit Amount $0.00 Payment Information* Statement Balance Minimum Payment Due Payment Due Date 10/27/16 -11/26/16 December 23, 2016 535.00 Page 1 of 4 questions/ Call 1400-762-1000 ubs.com/onlineservices Activity Summary Previous Balance 5726.77 Payments + P.PceriSeS $572.33 + Fees $0.00 + Interest Statement Balance $0.00 $572.33 $572.33 $35.00 12/23/2016 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 Waming: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charges rt You will payoff the balance sing this card and each month shown on this statement in about... 1 And you will end up paying the estimated total of... Only the Minimum Payment 19 months $636 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.comibnlinesewices. Detach here. Please make cnecks payable to UBS Card Services and include this payment coupon in the enclosed envelope. P UBS BANK USA - CARD SERVICES PO BOX 84040 COLUMBUS GA 31908.4040 GHISLAINE MAXWELL UBS allow 7 - 10 business days for U.S. Postal Service delivery. Card Number Ending in Minimum Payment Due $35.00 Statement Balance 4572.33 Payment Due Date December 23, 2016 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 DENIAL 0000003500 2 SDNY_GM_00008789 EFTA01596711 Important Information Lost or stolen cad: Your credit card is issued by UBS Bank USA. If your card is lost or stolen, please contact us immediately at 1-800-762-1000 at any time. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for 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. When you provide a check as payment on this Account, you aunionze us to either use the information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. For inquiries please call 1-800-762-1000. Moiled payments: A conforming payment received by us by 5:00 p.m. Central time will be credited to your account the day of receipt. A "conforming payment" is a payment that: 1) is mailed using the enclosed envelope and payment coupon included with this statement to UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210 and 2) is in the form of a single, non-folded check or money order made payable in US dollars from a US based institution. Any payment that does not meet these requirements, or any payment with multiple checks or money orders, additional correspondence, staples, paperclips, etc. will be considered a "non-conforming payment" which may delay the crediting of the payment for up to 5 days. We can accept late payments, partial payments, checks and money orders marked "Paid in Full" or language having the same effect without losing any of our rights under this Agreement, and such payments may be sent to the following address: UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210. Other payment options: Online: Visit ubs.comlonlineservices to sign up for Pay Credit Card to pay your account online. Payments made on our website by 6:00 p.m. Eastern time will be credited to your account that same day. Available only for cardholders with a UBS Resource Management Account (RMA4, or UBS Business Services Account BSA 110. Pay by phone: To make a payment by phone please call I-800-762-1000. An expedited payment made by phone by 5:00 p.m. Eastern time will be credited to your account that same day, and reflected in your credit line by the next day. You can also make a phone payment from your UBS account as late as 6:00 p.m. Eastern time. This payment will be credited as of that same day, but application to your credit line may be delayed. Overnight payments: Send overnight courier service or USPS Prionty Mail payments to UBS Bank USA--Card Services, 2975 Regent Boulevard, P.O. Box 203219, Irving: TX 75063. A payment received at this address by 5:00 p.m. Central time that othervase meets the requirements of a conforming payment will be credited to your account that same day. Ardwasaffc repayment of cash advances through CashConnect The CashConnect feature on your UBS credit card account will automatically repay new Cash Advances obtained from ATMs and financial institutions (CashConnect Cash Advances), each night, with available funds from your UBS Resource Management Account IRMA or your UBS Business Services Account BSA ®(either referred to as your UBS Account). You will incur no interest charges on CashConnect Cash Advances: as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance transaction in full when we first seek payment from your UBS Account. If sufficient available funds are not available in your UBS Account to pay off your CashConnect Cash Advances balance n full, then the APR for Cash Advances will apply as of the original transaction date on any remaining balance. You will be charged the APR on Cash Advances on your remaining CashConnect Cash Advance balance until it is repaid in full. Applicable ATM surcharge fees may apply. No other account balances are paid through the CashConnect feature. If you choose not to participate in the CashConnect feature, please contact UBS at I-800-762-1000. Available only for cardholders with a U85 Resource Management Account or UBS Business Services Account BSA. Accrwol of Interest and hew to avoid paying Interest en plucking/3. 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 CONFIDENTIAL SDNY_GM_00008790 EFTA01596712 Page 3 of 4 My Choice Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 53,117 Points earned this petiod 572 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 53,689 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GH1SLA1NE MAXWELL - Card en*g Date DesoipEal Amount Payments 11/18 PAYMENT THANK YOU -$726.77 -$726.77 Total Payments Activity Purchases 11/03 Amazon Mb services aws.amazon.coWA $142.33 11/04 CLOUDFLARE 650-3198939 CA $20.00 11/09 MA1LCHIMP MAILCHIMP.COMGA $400.00 11/19 BUFFER 415-539-0176 CA $10.00 To al $57233 Total Fees Charged in 2016 Total Interest Charged in 2016 $0.00 $0.00 Interest Charge Calculation - 31 Days in Billing Cyde El Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) PURCHASES $0.00 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_00008791 EFTA01596713 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' (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, 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 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, 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. Mat to do If you think you find a 'mistake on yew statement 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 e2011 UBS Bank USA In your letter, give us thu 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 :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 residnee. 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. Vow rights if you are dissatisfied with yew 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 %whits 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. CONFIDENTIAL SDNY_GM_00008792 EFTA01596714 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $726.77 is scheduled to be paid on 11/18/16 from your UBS Account. Thank you. SUBS Statement Billing Period: Payment Due Date Minimum Payment Due UBS Visa Signature® credit card statement Prepared for: GHISUME MAXWELL Primary Card Number Ending in: Account Summary Minimum Payment Due 335 CO Page 1 of 4 Questions? Call 1-800-762-1000 ubs.corn/oninesenrices Activity Summary Previous Balance $753.96 I Payment Due Date 11/23/16 - PayMerli. Credit Line $35,000.00 + P.r( 1181e1 $726.77 Available Credit Line $34,273.23 - Other Credits + Cash Advances Cash Credit Line Id.000.00 Available Cash Line $14,000.00 + Fees $0.00 Past Due Amount $0.00 + Interest Overlimit Amount $0.00 `Statement Balance 5726.77 Payment Information* Statement Balance Minimum Payment Due Payment Due Date 5726.77 $35.00 11/23/2016 If we do not receive your minimum payment by the date listed above, you late • t Warning: 09/27/16 - 10/26/16 November 23, 2016 535.00 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 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 2 years $832 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 COLUMBUS GA 31908.4040 GHISLAINE MAXWELL UBS Card Number Ending in Minimum Payment Due $35.00 Statement Balance 5726.77 Payment Due Date November 23, 2016 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 DENIAL 0000003500 2 SDNY_GM_00008793 EFTA01596715 Important Infonnetion Lest or stolen aid: 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 parr payment Is drawn are collected and not returned. V.,,ien you provide a check as payment on this Account, you auttionze 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 (RMA4, or UBS Business Services Account BSA 110. Pay by phone: To make a payment by phone please call I-800-762-1000. An expedited payment made by phone by 5:00 p.m. Eastern time will be credited to your account that same day, and reflected in your credit line by the next day. You can also make a phone payment from your UBS account as late as 6:00 p.m. Eastern time. This payment will be credited as of that same day, but application to your credit line may be delayed. Overnight payments: Send overnight courier service a USPS Prionty Mail payments to UBS Bank USA--Card Services, 2975 Regent Boulevard, P.O. Box 203219, Irving: TX 75063. A payment received at this address by 5:00 p.m. Central time that °them's@ meets the requirements of a conforming payment will be credited to your account that same day. *retrainee repayment of cash advances through Cashranect The CashConnect feature on your UBS credit card account will automatically repay new Cash Advances obtained from ATMs and financial institutions (CashConnect Cash Advances), each night, with available funds from your UBS Resource Management Account IRMA or your UBS Business Services Account BSA ®(either referred to as your UBS Account). You will incur no interest charges on CashConnect Cash Advances: as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance transaction in full when we first seek payment from your UBS Account. If sufficient available funds are not available in your UBS Account to pay off your CashConnect Cash Advances balance in full, then the APR for Cash Advances will apply as of the original transaction date on any remaining balance. You will be charged the APR on Cash Advances on your remaining CashConnect Cash Advance balance until it is repaid in full. Applicable ATM surcharge fees may apply. No other account balances are paid through the CashConnect feature. If you choose not to participate in the CashConnect feature, please contact UBS at 1-800-762-1000. Available only for cardholders with a UBS Resource Management Account or UBS Business Services Account BSA. Accrual of Interest and how to avoid paying Starest on parclinses. 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 a 8 CONFIDENTIAL SDNY_GM_00008794 EFTA01596716 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 52,390 Points earned this period 727 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 53,117 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity fix GHISLAINE MAXWELL - Card en*g Date Payments Desoipticn Amount 10/18 PAYMENT THANK YOU -5753.96 Total Payments Activity -5753.96 Purchases 1003 Amazon web services aws.amazon.coWA S137.08 10/04 TMOBILE•AUTO PAY 800-937-8997 WA S184.69 10/04 CLOUDFLARE 650-3198939 CA S20.00 10/09 MAILCHIMP MAILCHIMP.COMGA 537800 10/19 BUFFER 415-539-0176 CA S10.00 Total Purchases Activity 5726.77 Total Fees Charged in 2016 Total Interest Charged in 2016 $0.00 $0.00 Interest Charge Calculation - 30 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) Interest Charge PURCHASES $0.00 13.49% (v) $0.00 BALANCE TRANSFERS $0.00 13.49% (v) $0.00 CASH ADVANCES 50.00 22.24% M Sow LTotal Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate CONFIDENTIAL SDNY_GM_00008795 EFTA01596717 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 fa Purchases, for Balance Transfers and for Cash Advances are each calculated separately and determined as follows: We take the beginning balances for each transaction type on your Account each day, including any interest calculated on the previous day's balance, add to the respective balances any new transaction, subtract any payments or credits and make any other applicable adjustment(s). Your Cardmember Agreement provides for compounding of interest. A credit balance is treated as a balance of zero. If you multiply the "Balance Subject to Interest Rate for each balance category as shown on your monthly billing statement by the number of days in the billing penod and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for 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. Mat to do If you Oleic you flood a 'mistake on yaw statement If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Dmpon 1000 Harbor Boulevard, 8th Floor Weehawken, NJ 07086 C2011 UBS Bank USA In your letter, give us the • ng information: • Account Information: Your name and account number. • Dollar amount: • : .dr amount of the suspected error. • Description of problem: If you think there is an error on your cesythe rvaat you oel.ee is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors is 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 a any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Vow rights If you are dissatisfied with yew 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 writing at: UBS Bank USA--Disputes Department P.O. Box 84040 Columbus, GA 31908 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. 8 8 8 CONFIDENTIAL SDNY_GM_00008796 EFTA01596718