( Statement Billing Period:

SUBS ( Statement Billing Period: 09/27117 - 10/26/17 Payment Due Date November 23, 2017 Minimum Payment Due 535.00 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $196.00 is scheduled to be paid on 11/20/17 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.corn/mycardbenefits. UBS Visa Signature credit card statement .repred for GIIISLAita: MAXWELL rerun, Card teamber Ending in 9433 Account Summary Page I of 4 Qtastions7 Call 1.803.762-1000 ubs comiarilinesereces Activity Summary Minimum Payment Due 435.001 Previous Balance 53800 Payment Due Date 11/23/17 Payments 538 00 ' Credit line 535.000 00 Putchac-es 5156 CO, Available Cre6t line 534,804.00 - Other Credits $0.00 C ash Cred.t Luc 514.0000D + Cash Advances 40 .00 ! Available Cash Line S14,000.00 + Fees $0.00 Past Due Arrceant 50 00 + interest 50.00 Overlimit Amount 50.00 iStatement Balance 5196.00 I Payment Information* Statement Balance $196.00 Minimum Payment Due $35.00 Payment Due Date 11/23/2017 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a Tate 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 Only the Minintrn Payment ou will pay off the balance on this statement in ' S4 about_. And you will end up paying the estimated total of 6 months 5205 If you wend 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 credt 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 Detach here. Please make checks payable to ' UBS Card Services - and include this pestilent coupon in the enclosed envelope. Please altow 7 -10 liminess daps for U.S. Postal Service deliwty If rrndclmerable. UBS BANK USA PO BOX 84040 COLUMBUS GA rerun, to: • CARD SERVICES 31908-4040 GH1SLAINE MAXWELL SUBS Card Number Ending in 9433 Minimum Payment Due $35.00 Statement Balance $196.00 Payment Due Date November 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 112317 7826000014012491 5 0000003500 5 CONFIDENTIAL UBSTERRAMAR00003564 EFTA00238914 Important information about your HIS credit card lost or stolen card. Your credit card is asued by UIS Bank USA If your card is li st or stolen. please contact us immediately at any tine at 1.888.762.1232 for the UM Via Wink credit card or 1-800.762.1000 for the UBS Visa Signature credit card. You will not be Iiible 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. h any case, your liability will not exceed $50. Payment Information. Ehch bang cyck, you must payat least the Mininum Payment Due 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 Mitinum Payment Due in any bilirn cycle or if you make more than one payment it a biing 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 payabk to 0138 Card Senices. 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 drawn are collected and not returned. When you provide a check as payment on this Account, you authorize us to either use the information from your duck to make a one-tine clertronic 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 wit not recent your check back from your financial instanter). For inquiries, please call 1.888.762.1232 for the LIE Vita Wilke credit card or 1400-762-1000 for the UBS Visa Signature credit card. Mailed Payments. A confonnirn payment received by us by 500 M. Central time will be credited to your account the day of resxipt. A "conforming payment" is a payment that: Ills mailed using the enclosed envelope and payment coupon needed with this statement to VIE link USA- Card Senices, Box 203219, Dallis, 'N75320-3210 and 2) is it the form of a single. non-folded check or money order made payable it USdollars from a LS 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-conformng payment." which may delay the crediting of the payment for up to 5 days. We can accept hie payments, partial payments. checks and money orders marked "Pail it Kt or language hosing the same effect without losing any of our rjhts under thii Agreement and such payments may be sent to the following address: UM Bank USA- Card Senices, Box 203219, Dallas, 'IX 75320-3210. Other payment options. Online: Wit ubs.convonineseroces to sign up for Pay Credit Card to pay your amount online. Payments made through Payeredit Card will be credited to your account that same day if requested prior to 4:00 M. Eastern time for debits from an «lanai ar,yount and 6:00 M. Eastern time for debits from a LIS Resource Management Account (RMA)or U1311 Business Senices Account ESA account. Available onolor cadholders with an RNA or OS Business Services Account B&4. Pay by Phone: To make a payment by phone. please call 1.888.762.1232 for the LIE Visa lento credit card or 1.800.762.1000 for the OE Wa Signature credit card. Payments made from an outside account by 5:00 p.m. Eastern time will be credited to your account same day. Payments made from your UBS account by 6:00 p.m. Fastem time are aho credited same day. Applkation of any phone payment to your credit line maybe delayed for up to 7 days. Overnight payments: Send overnight courier senice or USPS Priority Mail payments to ll3S Bank USA - Card Senices, 2975 Regent leukvard. M. Box 203219. lasing. 'IX 75063. A payment received at this address by 5:00 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 CashConnect: The CashConnect feature on your LIS credit card account wil automatically repaynew Cash Ashances obtained from AIMS and financial institutions (CashConnect Cash Advances) each night. with asailable funds from your LIE Resource Management Account (RMA)or your ULE anness Services Account BSA (either referred to as your LIE Account) When we use your MS Account to repay your CashConsect 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 fut 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 .Achances 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. Worn choose not to part icipate in the CashConnect feature. please contact us at 1-888-762-1232 for the Ll3S Visa Janie credit card or 1-800.762.1000 for the UES Van Signature credit card. el twitch k onfr for cardholders with an MIA or Business Sersices Account BSA. Actmal 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 Balance from your previous billing statement by the Payment Due Date on that statement, then (I ) we wig not impose interest on Purchases during your cumna Continued on back of next page all CONFIDENTIAL UBSTERRAMAR00003565 EFTA00238915 Page 3 of 4 My Choice Rewards Points from UBS ASISMD.LSSOMACt Total Points Begnning Points this period 7,012 Points earned this period 196 Bonus points 0 Adjustments 0 Redemptions 0 Endng points balance 7,208 *For more details on your rewards points activity, please visit us online at ubs.ccmtuscards Activity for GHISLAYIE MAXWELL Card ending in 9433 Date Payments 10.20 Descopton PAYMENT THANK YOU Total Payments Activity Purchase, 09/29 ANC YNEY NAILS SliN SALONBOSTON MA 10/10 ESPA CORP NEW YORK NY 10/20 LAUREN Y NAILS BOSTON MA 10/25 ANNIE NAIL SALON WASHINGTON OC Total Purchases Activity Amount -$3803 -$38.00 440 CO 490 00 $1403 552 00 $196.00 2017 Totals Year-to-Date Summary of Fees and Into : Total Fees Charged in 2017 Total Interest Charged in 2017 Interest Charge Calculation. 30 Days in Billing Cycle $0.00 Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES SC CO 16 24,6 v 50 00 BALANCE TRANSFERS SC CO ' 6 24% v 50 00 CASH ADVANCES SO CD 23 24% v SO 00 Total $0.00 Your Annual Percentage Rate I APRI is the annual interest rate on your account Iv. = Variable Rate CONFIDENTIAL UBSTERRAMAR00003566 EFTA00238916 Page 4 of 4 bang period if you pay the Statement Ebbnce on the current biting statement by the Payment Due Date in the current bitng period. and (2) we will credit any payment applied toward Purchases as of the fest day in 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 Mance. If a Statement thlance was shown on your previous billing statement and you did not pay the Statement Ilabnce by the Payment Due Date 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 billing statement by the Payment [tie Date in the current biting period. For Mance 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. How w e w ill calculate your balance subject to interest nate. We use a method called "daily balance" (incbding new purchasers). To determine the amount of interest to be charged on your Account, we tint calculate the "Flibnce Subject to Interest Rate" separately for Purchases, for Mance 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)Ibbnce Transfers. and ili)Cash Advances. The daffy balances for Purchases. for Iblance 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. Ifyou multiply the "Eblance Subject to Interest Rite" 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 resets will be the interest assessed. except for minor variations caused by rounding. Ciedit 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 entrywe have made on your credit report is inaccurate or incomplete. please contact the credit bureau directlyor contact us at U1 USA, Card Operations Division. 315 Dcaderick Street. 5th Floor. Nashville. 1N 37238. We will request your name: your account number, the credit bureau where you received the credit report; a description of the error. and why you believe it is an error. We wit promptly insestigate, notify you of our findiigs, 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 r you think then: /Ian error on your statement, please write to us at: Flink USA- Card Operations Digkion 315 Deaderick Street, 5th Floor Nashville, 'IN 37238 O2011 UBS Bank USA h your Letter. give us the following information: so Account Information: your name and account number ao Dollar amount: the dollar amount of the suspected error ao Description of problem: if you think there is an error on your bit describe what you believe is wrong and why you belies k 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 riling. 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. ao The charge in question may remain on your statement, and we may continue to charge you interest on that amount. an, if we determine that we made a mistake, you will not have to pay the amount it 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. so We can apply any unpaid amount against your credit link. Your tights if you are dissatisfied with your credit cant purchases If you are dissatisfied with the goods or senices that you have purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right. all of the following must be true: 1. The purchase must have been made it 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 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 ATM 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 ri thing at: U139 Rink USA- Disputes Department P.O. Eta 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 fetish 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 UBSTERRAMAR00003567 EFTA00238917