EFTA00238841.pdf

SUBS Customer News Pay Credit Card reminder Your payment in the amount of $95.68 is scheduled to be paid on 7/18/16 from your UBS Account. Thank you. statement Billing Peek 05/27/16 - 06/26/16 ( Payment Due Data ) July 23. 2016 Minimum Payment Due $93.61 UBS Visa Signature® credit card statement ,'Tepuied to- G41S-A.tli ti,A>:i1ial Primary Card Number Ending in Account Summary t Due Statement Balance Minimum Payment Due Payment Due Date Page 1 of 4 Questions? Call I -SOO-762-10X ubsccmionlineservices Activity Summary $93.61 -Payments .._. . S95.68 S2 951 60 Prev:ow, Balance Purchases 51041 SO -Other Credits Cash + pees $0.00 1 + Interest Statement Balance S2,99 ° 1. 6 031 $2,995.03 $93.61 07/23/2016 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 $35.00 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 n interest and it will take you longer to pay off your balance. For Instance 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 dosing date is not reflected. To view your most recent transaction activity online, go to ubscom/onlineservices. Detach here. Pleme make checks pa-ode to *UBS Card Services' and include this payment coupon in the enclosed envelope. Please alkm 7. 10 business days for U.S. Postal Service delivery. U85 BANK USA - CARD SERVICES FO BOX 84040 COLUMBUS GA 31908-4040 GH1SLAINE MAXWELL FO BOX 308 TEANECK Mt 07666-0308 SUBS Card Number Ending in Minimum Payment Due Statement Balance Payment Due Date You are enrolled in Automated Pay Credit Card. Send payments to: UBS BANK USA - CARD SERVICES PO BOX 103179 DALLAS DC 75310-3179 $93.61 $2,995.03 July23,2016 072316 7826000014012491 5 0000009361 5 CONFIDENTIAL UBSTERRAMAR00003491 EFTA00238841 Important intonation tat or stolen card: Your credit card is issued by UBS Bank VSA. 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 information: Each biting 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 Senice to deliver your payment to as. Upon our receipt, your assailable credit may not be Increased by the payment amount for up to 7 days to ensure the fund% ham the hank on w httit your payment Ls 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 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. Mailed 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 maled using the enclosed envelope and payment coupon included with this statement to UBS Bank USA—Card Services, 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 home US based institution. Any payment that does not meet these requirements, or any payment with multiple checks or money orders, additional correspondence, staples, paperdips. 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 sane 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, Box 203219, Dallas, TX 75320-3210. Other payment options: Online: Visit 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 '5 (RASAI') or UBS Business Services Account BSA a. Pay by phone : To make a payment by phone please call 1-800-762-1000. An coedited 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 wit be credited as of that same day, but application to your credit line may be delayed. Overnight payments : Send overnight courier service or USPS Priority Mail payments to UBS Bank USA—Card Services, 2975 Regent Boulevard, r. Box 203219, Irving, TX 75063. A payment received at this address by 5:00 i. Central time that otherwise meets the requirements 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 L185 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 t (RMA2) or your UBS Business Services Account BSAt (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 L1B5 Account to repay your CashConnect Cash Advance transaction in full when we first seek payment from your UBS Amount. 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 lull. Applicable ATM surcharge fees may apply. No other account balances are paid through the CashConnect feature. If you choose riot to participate in the CashConnect feature, please contact UBS at 1-800-762-1000. Available only for cardholders with a UBSResorirce Management Account or UBS Business Services Acoouns BSA. Accrual of interest and how to avoid paying interest on purchases . 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 CONFIDENTIAL UBSTERRAMAR00003492 EFTA00238842 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 5,128 Points earned this period 105 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 5,233 •For more details on your rewards points activity, please visit us online at ubs conVuscards Act erty for CH SLANE 1.IAXVtd ELL Cad ending in DAP tilyM9ERS Desaiptmn Amount MI 7 PAYMENT THAN r. YOU -$95.68 rerartamtraaAstivity -S95.68 Purchases 06,01 EVA CORP NEW YORK. NY 592 50 06120 PIC KNEY NAL SKIN SALON BOSTON MA 512.00 tyatharshasuesyMty $10450 Summary of Fees and Interest Interest Charged Date C624 INTEREST C H ARGE-PIJRC HASES Total Interest for this period Description 2016 Totals Year-to-Date Summary of Fees and Interest Total Fees Changed in 2016 Total Interest Charged in 2016 50 .00 $186.57 Interest Charge Calculation31 Days in Billing Cycle Amount 534 61 534.61 Balance ANNUAL Subject to Interest Rate PERCENTAGE RATE (APR) Interest Charge PURCHASES 51017 78 1149% NI 534.61 BALANCE TRANSFERS $0 .00 13 49% v' $0 .00 CASH ADVANCES So 01/4; 22 24% SO OC !Total YOU, Annaa' Percentage Rdte APR to the annual in rest rate on your account v = variable Rate $34.61 CONFIDENTIAL UBSTERRAMAR00003493 EFTA00238843 Page 4 of 4 billing period if you pay the Statement Balance on the current billing statement by the Payment Due Date in the current billing period, and 12) we will credit any payment applied toward Purchases as of the first day in your current billing period 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' iinduding 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 r the DPR) )the OPR for each category is the applicable APR shown on the front of the statement divided by 365), to each of the applicable daily balances for i; Purchases, ii) 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, inducing 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 adjustments). 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 period and then multiply each sum by the applicable DPR, the results will be the interest assessed, except for minor variations caused by rounding. Credit bureau report and dLspute: 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, Cad 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. What to do If you think you find a mbaake on your statement If you think there is an error on your statement write to us at. UBS Bank USA—Card Operations Division 1000 Harbor Boulevard, 8th Floor Weehawken, NJ 07086 02011 UBS Bank USA In your letter, give us the following information: • Account Information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe 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 In writing . You may call us, but if you do we me 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 ale responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your rights If you are dbnatisfled with your 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: 1. The purchase must have been made in your home state Of within 100 miles of your current mailing address, and the purchase price must have been more than 550. :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 cad 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 In writing at: UBS Bank USA—Disputes Department M. 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 UBSTERRAMAR00003494 EFTA00238844