Stateme

SUBS ( nt Stateme Billing Period Payment Due Date Minimum Payment Due ) 10/27/17 - 11/26/17 December 23, 2017 $35.00 Customer News Pay Credit Card reminder Do not mail payment your Statement Balance in the amount of $133 00 is scheduled to be paid on 12/20/17 from your UBS Account. Thank you. Shop for your holiday gift-giving needs and use your My Choice Rewards points online to do it. Find everything from gift cards for fine dining and premium retail to the latest in luxury goods or gadgets. Book your holiday travel or buy what you want and redeem for a statement credit. Explore the range of options on the rewards web site at ubs.com/mycardbenefits. Detach here. Ple UBS Visa Signature credit card statement Prop-rod for GHISLAitit P,'XNWElt Pnrnary (zed l':_rinber Ending in Of Page I of 4 Questions) call 1-803-762-1030 ubsconVonlineservices Account Summary .a),,,ent cue :alit Activity Summary .535.00 12/23/17 Previous Balance 4196.00_ 4196.00 5133 00 EPayments Purchates Ayes aide C resat Lire 53,1.867 CC HOther Credits $0 00 4 .S 00 isiC Cash Advances 50.00 Ava .abe :_asn Line 514.000 00 + Fees $0.00 r÷ Interest 50,00 O..eginsit Amount 53.00 Statement Balance $133.00 Payment Information' Statement Balance 5133.00 Minimum Payment Due $35.00 Payment Due Date 12/23/2017 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 $38.00 and your APRs may be increased to the Penalty APR of 29.99% Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charges You MI pay off the balance using this card and each month shown on this statement in you pay.. about... Only Inc. Min ['Elvin Payment And you will end up paying the estimated total of. . 4 months 5137 If you would like information about credit counseling services, call 1-800-762-1000. The phone camber 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 crecit card rates, fees and grace periods. 1.800-342-3736 or www.dfsny.gov • Repayment information is based on your account activity and the APRs on your account as of the dosing date of this statement. Account activity after the dosing date is not reflected.To view your most recent transaction activity online, go to ubs.ccm/onlineservices. e checks payable to ' UBS Card Services - and include this payment coupon in the enclosed envelope. Please Slow 7 - 10 business dais for u S. Postal Service delnery i(undehwrable. U85 BANK USA O BOX 84040 COLUMBUS GA return to: • CARD SERVICES 31908-4040 GNISLA1NE MAXWELL TEANECK NJ 07666-0308 SUBS Card Number Ending in Minimum Payment Due Statement Balance $35.00 $133.00 Payment Due Date December 23, 2017 You are enrolled in Automated Pay Credit Card. Send payments /0: UBS BANK US4 • CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 1 CONFIDENTIAL UBSTERFtAMAR00003560 EFTA00238910 Important information about your HIS credit card lost or stolen card. Your credit card is anted by1.116 link USA If your card is last or stolen. please contact us immediately at any tine at 1.888.762.1232 for the UB6 Via Infnite credit card or 1-800.762.1000 for the UBS Visa Signature credit card. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that ocans before your notice to us. h any case. your liability will not exceed $50. Payment Information. Each biting cyck, you must payat least the Minimum Payment Me shown on your monthlystatement by its Payment Due Date. Both the Minimum Payment Due and Payment Due Date are noted on your statement. At anytime you may pay more than the Minimum Payment Due up to the full amount you owe us, however you cannot "pay ahead." This means that if you pay more than the requited Nfitinum Payment Due in any bilirn cycle or if you make more than one payment it a biing cysie, 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 I.138 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 w hkh your payment is dnrw a are collected and not returned. When you provide a check as payment on this Account, you authorize us to either use the itfonnation from your check to make a one-tine 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 maybe withdrawn from your account as soon as the same day we receive your payment. and you will not recent your check back from your financial institution. For inquiries, please call 1.888.762.1232 for the UlIS Visa labile credit card or 1400-762-1000 for the UBS Visa Signature credit card. Mailed Payments. A conformers payment received by us by 5:00 p.m. Central time will be credited to your account the day of resxipt. A "conforming payment" is a payment that: Iris mailed using the enclosed envelope and payment coupon inckeded with this statement to UnS ILhk USA- Card Seniccs, P.O. Ebx 203219, Dallas, 'N75320-3210 and 2) is it the form of a slink. non-folded check or money order made payable in US dollars from a US based institution. My 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-conformirn 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 "Pail it MI" or language hosing the same effect without losing any of our rights under thit Agreement and such payments may be sent to the following address: UES Bank USA- Card Services, P.O. Box 203219, Dallas, Tx 75320-3210. Other payment options. Online: Veit ubs.convoninesertres to sign up for Pay Credit Card to pay your account online. Payments made through PayCredit Card will be credited to your account that same day if requested prior to 4:00 p.m. Eastern time for debits from an «lanai astount and 6:00 p.m. Eastern time for debits from a LIS Resource Management Account (RMA)or ( ills nosiness Senices Account ESA account. Available onolorcanlholders with an RNA or OS Business ServicesAccount BSA. Pay by Phone: To make a payment by phone, please call 1.888.762.1232 for the LIE Visa kali« credit card or 1.800.762.1000 for the OE Abe Signature credit card. Payments made from an outside account by 500 p.m. Eastern time wit be creditd to your account same day. Payments made from your UBS account by 6:00 p.m. Fastem time are also credited same day. Application of any phone payment to your credit line maybe delayed for up to 7 days. Overnight payments: Send overnight courier service or LISPS Priority Mail payments to UES Ronk USA -Card Services, 2975 Regent Floukvard. P.O. flax 203219. Bing. IX 75063. A payment received at this address by 5:00 p.m. Central time that otherwise meets the requiements of a conforming payment will be credited to your account that same day. Automatic repayment of cash advances through Cash Connect: The CashConnect feature on your UES credit card account wit automatically repaynew Cash J4shances obtained from ATMs and fnancial institutions (CashConnect Cash Adsances), each night. with available funds from your UBS Resource Management Account (RMA)or your U1$ animas Services Account EISA (either referred to as your LIE Account). When we use your UE3S Account to repay your CashConnect Cash Advance transaction in full you will not incur any interest charges. 'there are insufficient funds in your LiE Account to pay off your CashConnect Cash Advances balance it full then the APR for your Cash Mvances will apply as of the original transaction date on any remaking balance. You will be charged the APR on Cash .Advances on your remaining CashConnect Cash .Advance balance until it is repaid in full Applicable Aft surcharge fees may apply. No other account balances are paid through the CashConnect feature. If you choose not to participate in the Cos/Connect feature. please contact us at 1-888-762-1232 for the Ll3S Via Inlinie credit card or 1-800.762.1000 for the UES NW Signature credit card. clvottabk on5• for cardholders with an MIA or Business Sersices Account BSA. Accrual of Interest and how to avoid paying Interest on purchases. Your due date is at least 23 days after the dose of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. Hot • • • if you paid the Statement Iblance from your previous billing statement by the Payment Dre Date on that statement, then (1) w e will not impose interest on Purchases during your curn:ta Continued on back of next page all CONFIDENTIAL UBSTERRAMAR00003561 EFTA00238911 Page 3 of 4 My Choice Rewards Points from UBS AmuniSsimauct Total Points Begnning Points this period 7,208 Points earned this period 133 Bonus points 0 Adjustments 0 Redemptions 0 Endng points balance 7,341 *For more details on your rewards points activity, please visit us online at ubs.com/uscards Actsty Ice GHISLANE MAXWELL - Card ending in lin Pes ts 71/20 Xns 10/31 11/07 11/20 C‘escriptori PAYMENT THANK. YOU Total Payments Activity PINCKNEY NAILS SKIN SALONBOSTON MA ESPA CORP NEW YORK. NY PINCKNEY NAILS SPA SALONBOSTON MA Total Punthases Activity Amount 419603 -S198.00 $45.03 $7600 $12.03 $133.00 Total Fees Charged in 2017 Total Interest Charged in 2017 Interest Charge Calculation 31 Days in Billing Cycle $0 .00 S0.00 Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES 50.00 16.24%M S0.00 BALANCE TRANSFERS 50.00 16.24%M $0.00 CASH ADVANCES 50.00 23.24% M S0.00 SO.00MI Your Annual Percentage Rate (APR) is the annual interest rate on your axotrit (r). Variable R.it,• CONFIDENTIAL UBSTERRAMAR00003562 EFTA00238912 Page 4 of 4 billing period if you pay the Statement Eblance on the current biting statement by the Payment Due Date in the current bring period. and (2) we will credit any payment applied toward Purchases as of the fest day it your current biting period if you make a payment by the Payment Due Date in the current biting period that is less than the Statement Balance. If a Statement Iblance was shown on your previous billing statement and you did not pay the Statement Ihlance by the Payment Due Due on that statement, then we will not impose Interest Charges on any Purchases during the current biting period if you pay the Statement fillanct shown on the current biting statement by the Payment Due Date in the current biting period. For Balance Transfers. interest wil accrue from the day we send the Ildance 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. Clow w e w ill calculate your balance subject to interest rote. We use a method called "daffy balance" (including new purchasers). To determine the amount of interest to be charged on your Account, we tint calculate the "Balance Subject to Interest Rate" separately for Purchases, for Balance Transfers, and for Cash Advances. We applythe applicable Daily Periodic Rate or the DPR (the DPR for each category is the applicable .APR shown on the front of the statement divided by365). to each of the applicable daily balances for 0 Purchases, ii)lblance Transfers. and ii)Cash Advances. The daffy 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 days balance, add to the respective balances any new transaction, subtract any payments or credits and make any other applicabk adjustment(s} Your Cardmember Agreement provides for compounding of interest. A credit balance is treated as a balance of zero. Ifyou multiply the "Eblance Sub.kci to Interest Rate" for each balance category as shown on your monthly billing statement by the number of days in the biting period and then multiplyeach sum by the applicable DPR the resuks wit be the interest assessed. except for minor variations caused by rounding. Cleat bureau reports and disputes. We may report information about your account to credit bureaus. late payments. missed payments. or other defaults on your account maybe reflected in your credit report. If you believe that an entry we have made on your credit report is inaccurate or iwomplete, please contact the credit bureau directlyor contact us at U1 USA, Card Operations Division. 315 Deaderick Street. 5th Floor. Nashville. 11•1 37238. We wit 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 wit promptly insestigate, notify you of our findings, and, if warranted, send an update to the credit bureaus within 30 days. What to do If you think you find an error on your ttttt meat If you think then: /Ian error on your statement, please write to us at: UN Flank USA- Card Operations Dkkion 315 Deaderick Street, 5th Floor Nadia 'IN 37238 O2011 UBS Bank USA in your titter. gin: us the following nforrnation: so Account Information: your name and account number so Dollar amount: the dollar amount of the suspected error se Description of problem: if Ion; think there is an error on your bit, describe what you believe is wrong and why you belies as is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors In w kiting. You may callus, 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. so We cannot try to collect the amount in question. or report you as delinquent on that amount. so The charge in question may remain on your statement, and we may continue to charge you interest on that amount. Diet, 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. so While you do not have to paythe amount in question, you are responsible for the remainder of your balance. ao We can apply any unpaid amount against your credit link. Your tights if you are dbsatbfled with your credit and purchases If you are dksatitned with the goods or senices that you have purchased with your credit card and you have tried it good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made it your home state or within 100 miles of your current mailing address, and the purchase price must have been more than S50. (Mote: Neither of these are necessary if your purchase was based on an advertisement we mated 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 Am or with a check that accesses your credit card account do not qualify 3. You must not wt have fully paid for the purchase. If all the criteria above arc met and you arc slit dissatisfied with the purchase, contact us In it dung at: U13S Dank USA- Disputes Department P.O. Box 84040 Columbus, OA 31908 While we investigate, the same rules apply to the disputed amount as referenced above in the section covering errors on your statement. After we finish our investigation, we will notify you of our decision. At that point. if we Oink you owe an amount and you do not pay that amount. we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. CONFIDENTIAL UBSTERRAMAR00003563 EFTA00238913