EFTA00271366.pdf

Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $1,411.69 is scheduled to be paid on 4/18/15 from your UBS Account. Thank you. Shop for your springtime 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 trendy goods and the latest gadgets. book your summer travel or redeem for a statement credit at ubs.com/onlineservices. Just 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: IIIII Account Summary Minimum Payment Due $35.00 Payment Due Date C .ecii Line $35,000.00 Available Credit Line C asl Credit Line Available Cash line Past Due Amount moo Overlimit $0.00 $14,000.00 Payment Information* Statement Balance Minimum Payment Due Payment Due Date 02/27/15-03126/15 April 23, 2015 535.00 Page 1 of 4 Questions? Call 1-800-762-1000 ubs.com/onbneservices Activity Summary Previous Balance - Payments 'la + Pun.!mses - Other Credits + Cash Advances + Fees $1:382.20 1 $1,3O2g1( $1,411.69 $0.00 $0.00 $0.00 Statement Balance $1,411.69 $1,411.69 $35.00 04/23/2015 Late P4n.mt Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of 27.24%. Minimum Payment 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 using this card and each month you pay... You will pay off the balance shown on this statement in about... And you will end up paying the estimated total of... Only the Minimum Payment $48 4 years 51)346 3 years 41,728 (Savings = $118) 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.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 UBS 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 203219 DALLAS TX 75320-3219 435.00 $1,411.69 April 23, 2015 042315 782600003,4012670 2 0000003500 2 EFTA00271366 leportat Infonnetion Lest er 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 unauthonzed use that occurs before your notice to is 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 ewe 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 yew payment Is drawn are collected and not returned. When you provide a check as payment on this Account, you autrionze 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.comionlinesewices 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 (RMAQa) or UBS Business Services Account BSA 110. 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 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 otherwise meets the requirements of a conforming payment will be credited to your account that same day. Ardernafic 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 I-800-762-1000. Available only for cardholders with a U85 Resource Management Account or UBS Business Services Account BSA. Accrual of Interest and hew to avoid paying Interest en 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 S 8 § a 8 EFTA00271367 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 31,610 Points earned this petiod 1,411 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 33.021 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity fa GHISLAINE MAXWELL - Card ending in Date Payments Desoipticn Amount 03/18 PAYMENT THANK YOU 41,382.20 Total Payments Activity -51,382.20 Purchases 02/28 FACEBOOK NMFBV6.1C92 650-6187714 CA 5140.00 03/01 TWITTER ADVERTISEG 415-4264400 CA $87.30 03/03 Amazon Mb services aws.amazon.coWA $189.16 03/04 T-MOBtE RECURRING PMT 800-937.8997 WA 5182.25 03/04 CLOUDFLARE 650-3198939 CA $20.00 03/08 TIMITERADVERTISWG 415-4264400 CA $111.41 03/09 MAILCHIMP MAILCHIMP.COMGA $150.00 03/12 NYC-TAXI ASTOFUA NY $17.80 03/15 TIMITERADVERTISSVG 415-4264400 CA $125.19 03/18 ONH•GODADOY.COM 480-5058855 A2 5699 03/23 TIMITERADVERTISWG 415-4264400 CA 5132.83 0324 STANFORD THE MARKET STANFORD CA 59.23 0325 Graphic Lab Inc 212-6821815 NY 5239.53 LataLPuotaresActbrisy 51,411.69 Summary of Fees and Interest 2015 Totals Year-to-Date Summary of Fees and Interest 1 Total Fees Charge° AI 2015 $0.00 Total Interest Charged in 2015 $0.00 Interest Charge Calculation - 28 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) Interest Charge PURCHASES $0.00 13.24% bl $0.00 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES $0.00 21.99% (v) $0.00 Ito'. I I Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271368 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' (includuty new purcbase5). 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 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 DPR, the results will be the interest assessed, except for mince variations caused by rounding. credit bureau repeats 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. What to do If you think you find a 'mistake on your statement If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Mason 1000 Harbor Boulevard, 8th Floor Weehawken, NJ 07086 In your letter, give us the • rig 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 ces:rthe •ealat you oel.cNe 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 w.Xkng. 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. Veer rights if you are dissatisfied with your credit card pines 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 $50. (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 %%irking 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 C2011 UBS Bank USA EFTA00271369 Customer News View your card account activity. download credit card statements and more at ubs.com lonlineservices in the cash management tab. Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $1.382.20 is scheduled to be paid on 3/18/15 from your UBS Account. Thank you. SUBS Statement Billing Period: Payment Due Date Dd!nimum Payment Due UBS Visa Signature® credit card statement Prepared for: GHISLA1NE MAXWELL Primary Card Number Ending in: Account Summary Minimum Payment Due Payment Due Date Credit Line Available Credit Line Cask Credit Line Available Cash Line Past Due Amount Overlimit Amoa Payment Information* Statement Balance Minimum Payment Due Payment Due Date 01/27/15 - 02/26/1S March 23, 2015 535.00 Activity Summary Previous Balance Page 1 of a Questions/ Call 1-800-762-1000 ubs.corn/onaneservices $35 $1,273.29 0323/15 - Payments $35,000.00 + Paecnases - Other Credits $1.382.20 $33,617.80 -"mrsoltef $in.coaco + Cash Advances $0.00 $14,000.00 + Fees $0.00 $aca + Interest 50.00 I $0.00 Statement Balance $1,382.20 $1,382.20 $35.00 03/23/2015 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 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charges using this card and each month you pay... You will pay off the balan shown on this statement i about... Only the Minimum Payment 4 years $1,800 547 3 years 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.com/onlineservices. $1,692 (Savings = $108) Detach here. Please make checks payab'e to UBS Card Service( 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 Statement Balance Payment Due Date 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 $1,382.20 March 23, 2015 032315 7826000014012670 2 0000003500 2 EFTA00271370 Important Infonnetion Lest er 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 unauthonzed use that occurs before your notice to is 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 tbe 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 your 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 (RMAQI) or UBS Business Services Account BSA 110. 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 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 otherwise meets the requirements of a conforming payment will be credited to your account that same day. Ardernafic 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 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 I-800-762-1000. Available only for cardholders with a U85 Resource Management Account or UBS Business Services Account BSA. Accrual of Interest and hew to avoid paying Interest en 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 (I) we will not impose interest on Purchases during your current Continued on back of next page S 8 § 333 8 EFTA00271371 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 30,228 Points earned this period 1,382 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 31.610 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity fa GHISLANE MAXWELL - Card ending n. Date Payments Descriaial Amount 02/18 PAYMENT THANK YOU -$1,273.29 Total Payment Activity -$1,273.29 Purchases 01/30 TWITTER ADVERTISiNG 415-4264400 CA $99.81 01/31 FACEBOOK X7TU),(6W892 650-6187714 CA $153.78 02/01 TWITTER ADVERTISiNG 415-4264400 CA $27.52 02/02 ESPA CORP NEW YORK NY $81.00 02/03 Amazon web services aws.amazon.coWA $207.39 02/04 T-0.108ILE RECURRING FIAT 800-937.6997 WA $178.17 02/04 CLOUDFLARE 650-3198939 CA $200.00 02/08 TWITTER ADVERTISMIG 415-4264400 CA $85.95 02/09 MAILCHIMP MAILCHIMP.COMGA S1S0.CO 02/15 TWITTER ADVERTISMIG 415-4264400 CA 488.32 02/18 DNH•GODADDY.COM 480-5058855 A2 5699 02/22 TWITTER ADVERTISiNG 415-4264400 CA $103.27 Total Purchases Activity $1,382.20 Summary of Fees and Interest I. 2015 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2015 Total Interest Charged in 2015 Interest Charge Calculation - 31 Days in Billing Cyde $0.00 $0.00 Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) PURCHASES 40.00 13.24% (v) $0.00 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES $0.00 21.99% M $0.00 Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271372 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 nev 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 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 0 Purchases, 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. 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. What to do If you WWI( you flood a 'mistake on yaw slatourmnt 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 In your letter, give us the • ...%J.ng information: Account Information: Your name and account number. Dollar amount: • . ..:war amount of the suspected error. Description of problem: If you think there is an error on your ces;:the ..v:lat you oel.e,e 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 ecidem. 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. Veer rights if you are dissatisfied 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: 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 $50. (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 %%eking 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 a 8 C2011 UBS Bank USA EFTA00271373 Customer News An annual summary statement which includes all of your credit card account activity from 2014 is available online. To view the statement logon to your UBS Online Services account. The card services menu can be found in the cash management section. Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $1.273.29 is scheduled to be paid on 2/18115 from your UBS Account. Thank you. 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:M Account Summary Page 1 of 4 Questions? Call 1-800-762-1000 ubs.convonineservices Activity Summary Previous Balance $1,333.21 Minimum Payment Due 4.35 CO Payment Due Da 02/23/15 - eayMITS —$1,333 21 C.ed.t Line $35,000.00 + Purchases 11,273 29 Available Credit Line $33,726.71 - Other Credits $0.00 Cash Credit Line $14.000.00 + Cash Advances $0.00 i Available Cash Line $14,000.00 + Fees $0.00 Past Due Amount $0.00 + Interest $0.00 Overtimit Amount $0.00 Statement Balance $1,273.29 Payment Information* Statement Balance Minimum Payment Due Payment Due Date Late Payment Warning: $1,273.29 $35.00 02/23/2015 If we do not receive your minimum payment by the date listed above, you 12/27/14 - 01/26/15 February 23, 2015 535.00 may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charges You will pay off the balan using this card and each month shown on this statement i you pay... about... Only the Minimum Payment 4 years $1,629 $43 3 years $1,54.9 (Savings = $.9 I) 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 UBS Card Number Ending in Minimum Payment Due Statement Balance Payment Due Date $35.00 $1,273.29 February 23, 2015 You are enrolled in Automated Pay Credit Card. Send payments to: UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 022315 7826000014012670 2 0000003500 2 EFTA00271374 Important Information Lost 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 unauthonzed use that occurs before your notice to us. In any case, your liability will not exceed 550. Payee's! Infennation: 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 ewe us, however you cannot "pay ahead". This means that if you pay more than the required Minimum Payment Due in any billing cyde 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 yew 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 apneas: 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 (RMA or UBS Business Services Account BSA 0. 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 otherwise meets the requirements of a conforming payment will be credited to your account that same day. Arstematfc repayment of cash advances through Cashreanect 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 (RMA'IE 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. Accrual of Interest and hew to avoid paying Interest en 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 (I) we will not impose interest on Purchases during your current Continued on back of next page S 8 § 8 8 0 EFTA00271375 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 28,955 Points earned this period 1,273 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 30.228 •For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity fa GHISLAINE MAXWELL - Card ending in= Date Payments Desolpticn Amount 01/16 PAYMENT THANK YOU -$1,333.21 Total Payments Activity -51,33321 Purchases 12/31 FACEBOOK 62Y30.161C92 650-6187714 CA $15683 01/03 Amazon web services aws.amazon.coWA $205.46 01/04 T-MORSE RECURRING MIT 800-937.8997 WA $170.49 01/04 CLOUDFLARE 650-3198939 CA $200.00 01/09 MAILCHIMP MAILCHIMP.COMGA $160.00 01/16 TWITTER ADVERTISVG 415-4264400 CA $1600 01/18 ONH•GODADDY.COM 480-5058855 A2 $6.99 01/23 MOMENTUM 719-428-9439 CO $271.50 01/23 TWITTER ADVERT19NG 415-4264400 CA $8802 Total Purchases Activity 51,273.29 Summary of Fees and Interest 2015 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2015 Total Interest Charged in 2015 Interest Charge Calculation -31 Days in Billing Cyde $0.00 $0.00 Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) PURCHASES $0.00 13.24% M $0.00 BALANCE TRANSFERS 40.00 13.24% M $0.00 CASH ADVANCES $0.00 21.99% (v) Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271376 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' (includuty new purcbase5). 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 i) 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. Oredk 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. What to do If you think you find a 'mistake on your statement If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Mason 1000 Harbor Boulevard, 8th Floor Weehawken, NJ 07086 In your letter, give us the • rig 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 ces:rthe •ealat you oel.cNe 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 werithill. 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. Veer 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 $50. (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 %%irking 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 C2011 UBS Bank USA EFTA00271377 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $1,333.21 is scheduled to be paid on 1/18/15 from your UBS Account. Thank you. Make life easier while earning rewards: Set up your recurring monthly bills for 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: GHISUUNE MAXWELL Primary Card Number Ending in: Account Summary `Statement Page 1 of 4 Questions? Call 1-800-762-1000 ubs.convonaneservices Activity Summary Previous Balance 52,582.36 1 Minimum Payment Due $35.00 Payment Due Date C redo Line $35,000.00 + Purchases 51,333.21 Available Credit Line sia3,5611. er Gad $0.00 Cash Credit Line $14,000.00 Cash Advances $0.00 [Available Cash Line $14,00d! + Fees $0.00 Past Due Amount 50.00 + Intense $0.00 Overlimit Amount $0.00 Balance $1,333.21 I Payment Information* Statement Balance Minimum Payment Due Payment Due Date 51,333.21 $35.00 01/23/2015 11/27/14 - 12/26/14 January 23, 2015 535.00 late • t Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charges using this card and each month you pay... You will pay off the balan shown on this statement i about... Only the Minimum Payment 4 years $1,723 $45 3 years $1,620 (Savings = $103) 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 319084040 nmisi AINF MAXWFI I UBS 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 203219 DALLAS TX 75320-3219 $35.00 $1,333.21 January 23, 2015 012315 7826000014012670 2 0000003500 2 EFTA00271378 leportat 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 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 me 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 yes 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.comionlinesewices 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 (RMAQa) or UBS Business Services Account BSA 110. 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 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 otherwise meets the requirements of a conforming payment will be credited to your account that same day. Arstearafic 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 (RMA'2) 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 I-800-762-1000. Available only for cardholders with a U85 Resource Management Account or UBS Business Services Account BSA. Accrual of Interest and hew to avoid paying Interest en parchases. 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 § Fl EFTA00271379 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 27,621 Points earned this period 1,334 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 28,955 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity la GHISLA1NE MAXWELL - Card ending in= Date Payments Desoipticn Amount 12/18 PAYMENT THANK YOU -$2,582.36 Total Payment Activity -52.582.36 Purchases 11/29 TWITTER ADVERTISiNG 415-4264400 CA $103.67 11/30 FACEBOOK FMC)CP62C92 650-6187714 CA $150.00 12/01 TWITTER ADVERTISiNG 415-4264400 CA $29.67 12/03 Amazon Web Services aws.amazon.coWA $198.36 12/04 T-M08tE RECURRING PMT 800-937.6997 WA $170.80 12/04 CLOUDFLARE 650-3198939 CA $200.00 12/08 TWITTER ADVERTISiNG 415-4264400 CA $44.12 12/09 MAILCHIMP MAILCHIMP.COMGA $160.00 12/18 ONH•GODADDY.COM 480-5058855 A2 56.99 12/21 MOMENTUM 719-428-9439 CO $269.60 Total Purchases Activity $1,33321 Summary of Fees and interest a grEnr-w-Date Summary of Fees and Interest Total Fees Charged in 2014 $0.78 Total Interest Charged in 2014 $0.00 Interest Charge Calculation - 30 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE interest Rata RATE (APR) Interest Charge PURCHASES $0.00 13.24% (v) $0.00 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES $0.00 21.99% (v) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271380 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 call 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' (inciucitny 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 0 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 DPR, the results will be the interest assessed, except for mina 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. What to do If you think you find a 'mistake on yaw st•tomseut 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 In your letter, give us the • ...%J.ng information: Account Information: Your name and account number. Dollar amount: • • . ..:war amount of the suspected error. Description of problem: If you think there is an error on your ces;:the ..v:lat you oel.cNe 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 be watillem. 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 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: 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 $50. (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 be tufting 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 0 88 8 8 C2011 UBS Bank USA EFTA00271381 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $2,582.36 is scheduled to be paid on 12/18/14 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.com/onlineservices 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= 10/27/14 - 11/26/14 December 23, 2014 $52.00 Page 1 of 6 Questions/ Call 1-800-762-1000 ubs.conVonaneservices Account Summary Activity Summary Minimum Payment Due $52.00 Payment Due Date 12/23/14 C..ed t Line $35,000.00 Available Credit Line $32,417.64 Cash Credit Line $14,000.00 Available Cash Line $14,000.00 Past Due Amount $aoo Overlimit Amount $0.00 Payment Information* Statement Balance Minimum Payment Due Payment Due Date Previous Balance -P me + Purchases $1,405.20 I $2,581.58 + Fees I+ Intend Statement Balance $0.78 $0.00 $2,582.36 $2,582.36 $52.00 12/23/2012 late • t Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charges You will pay off the bala using this card and each month shown on this statement i about... Only the Minimum Payment 7 years $3,672 $87 3 years 43,32 (Savings = S540) If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA is 1-800-762-1000. New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. 1-800-342-3736 or www.dfs.ny.gov * Repayment information is based on your account activity and the APRs on your account as of the closing date of this statement. Account activity after the closing date is not reflected. To view your most recent transaction activity online, go to ubs.conVonlineservices. Detach here. Please make checks payable to 'UBS Card 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 116 E 65TH ST NEW YORK NY 10065.7007 SUBS Card Number Ending in Minimum Payment Due Statement Balance Payment Due Date $52.00 $2,582.36 December 23, 2014 You are enrolled in Automated Pay Credit Card. Send payments to: UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 122314 7626000014012670 2 0000005200 2 EFTA00271382 leportat Infonnetion Lest er 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 unauthonzed use that occurs before your notice to is 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 ewe 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 yew payment Is drawn are collected and not returned. When you provide a check as payment on this Account, you autrionze 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.comionlinesewices 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 (RMAQa) or UBS Business Services Account BSA 110. 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 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 otherwise meets the requirements of a conforming payment will be credited to your account that same day. Ardernafic 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 I-800-762-1000. Available only for cardholders with a U85 Resource Management Account or UBS Business Services Account BSA. Accrual of Interest and hew to avoid paying Interest en 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 8 § EFTA00271383 Page 3 of 6 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 25,039 Points earned this period 2,582 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 27,621 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity fa GHISLAINE MAXWELL - Card encfrig Date Payments Desoipticn Amount 11/18 PAYMENT THANK YOU -51,40520 Total Payments Activity -$1.405.20 Purchases 10/25 TWITTER ADVERTISEG 415-4264400 CA $102.72 10/28 AMTRAK .COM 3010640027401WASHINGTON DC $191.00 TIC: 3010640027401 DEPT DATE: 10/28/14 ORIG: NYP DEST: BOS 10/31 FACEBOOK D2B4E62D92 650-6187714 CA $160.00 10/31 Cafe Paris Reykjavik $26.09 3,180.00 15K 10/31 TWRIERADVERTISLIG 415-4264400 CA $101.77 11/01 TWRIERADVERTISSVG 415-4264400 CA $14.88 11/04 Amazon Web Services avvs.amazon.coWA $203.78 11/04 T-mOiltE RECURRING PMT 800-937.8997 WA $171.01 11/04 CLOUDFLARE 650-3198939 CA $200.® 11/08 TWITTER ADVERTISEG 415-4264400 CA $101.74 11/09 MAILCHIMP MAILCHIMP.COMGA $465.® 11/13 BEST BUY 00080465 FLUSHING NY $30.47 11/15 BEST BUY 00080077 BOSTON MA $29.74 11/15 TWITTER ADVERTISEG 415-4264400 CA $103.43 11/18 DNH•GODADOY.COM 480-5058855 A2 $699 11/19 THE UPS STORE 1083 NEW YORK NY $600.99 11/22 TWITTER ADVERTISSVG 415-4264400 CA $103.07 11/25 MOMENTUM 719-428-9439 CO $268.90 Total Purchases Activity $2,581.58 Summary of Fees and Interest Fees Date 11/03 ",r1 ,r! I Dui tf F Description Amount SO 78 Total Fees for this period en 1 2014 Totals Year-to-Date Summary of Fees and Interest 1 Total Fees (target: .II2014 50.78 Total Interest Charged in 2014 $0.00 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) Interest Charge PURCHASES $0.00 13.24% M $0.00 BALANCE TRANSFERS $0.00 13.24% M $0.00 CASH ADVANCES $0.00 21.99% (v) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271384 Page 4 of 6 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 flew purcnase5). 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 0 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 DPR, 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 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 With you flood • 'mistake on your 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 In your letter, give us Mu • rig information: Account Information; Your name and account number. Dollar amount: • . ..:war amount of the suspected error. Description of problem: If you think there is an error on your ces;:the w:lat you oel.e,e 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 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 your credit card pines 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 $50. (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. a ta2011 UBS Bank USA EFTA00271385 Page 5 of 6 Interest Charge Calculation - 31 Days in Bang Cycle Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge EFTA00271386 Page 6 of 6 OOG0000O - O41 142 - 0003 - 0003 - 245. EFTA00271387 Customer News Pay Credit Card reminder Do not mail payment. Your Statement Balance in the amount of $1,405.20 is scheduled to be paid on 11/18/14 from your UBS Account. Thank you. SUBS Statement Billing Period: Paynvent Due Date M 11111111M Payment Due UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Primary Card Number Ending in:= Account Summary minimum Questions? Call ubs.corn/onineservices Activity Summary Previous Balance Page 1 of 4 1-800-762-1000 Minimum Payment Due 315.00 $1,470.44 Payment Due Date Cr. C..ed t Line $35,000.00 1+ Purchases $1,405.20 I Available Credit Line $33,59,sa redits Cash Credit Line 414.000.00 + Cash Advances Available Cash Line $14,000. + Fees Past Due Amount $ac* + Interest _In $0.00 Overlimit Amount $0.00 Statement Balance 51,40520 Payment Information* Statement Balance Minimum Payment Due Payment Due Date Late Payment Warning: If we do not receive your $1,405.20 515.00 11/23/2014 payment by the date listed above, you 09/27/14 - 10/26/14 November 23, 2014 $15.00 may have to pay a late fee up to S35.00 and your APRs may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charges using this card and each month You will pay off the balan shown on this statement i about... Only the Minimum Payment 11 years $2,489 548 3 years 41,728 (Savings = 4761) 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 BLS. 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 $15.00 $1,405.20 November 23, 2014 You are enrolled in Automated Pay Credit Card. Send payments to: UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 112314 7626000014012670 2 0000001500 2 EFTA00271388 Important Information Lost 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 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 eve us, however you cannot "pay ahead". This means that if you pay more than the required Minimum Payment Due in any billing cyde 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 yes 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 1-800-762-1C00. 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.comlonlinesewices 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 (RMAQI) 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 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 otherwise meets the requirements of a conforming payment will be credited to your account that same day. Arsternafic repayment of cosh advances thresigh CashCoanect 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 (RMA'2) 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. Accrual of Interest and hew to avoid paying Interest en parchases. 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 EFTA00271389 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 23,633 Points earned this petiod 1,406 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 25,039 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity fa GHISLA1NE MAXWELL - Card ending in= Date Desalt:6m Amount Payments 10/17 PAYMENT THANK YOU -51.470.44 Total Payments Activity -51,470.44 Purchases 09/26 NYC TAXI 4V27 BROOKLYN NY 59.50 09/26 NYC TAXI IDa2 WESTBURY NY 59.00 09./30 FACEBOOK MAXG96IC92 www.lb.me/adsCA $160.00 10/03 Amazon Web Services aws.amazon.coWA $193.24 10/03 TWITTER ADVERTISSVG 415-4264400 CA $15.00 10/04 T44013tE RECURRING PMT 800-937.8997 WA $172.32 10/04 CLOUDFLARE 650-3198939 CA $200.00 10/09 MAILCHIMP MAILCHIMP.COMGA $165.00 10/10 TWITTER ADVERTISSVG 415-4264400 CA $103.84 10/17 TWITTER ADVERTISSVG 415-4264400 CA 5101.51 10/18 Ohlti•GODADDY.COM 480-5058855 A2 56.99 10/20 MOMENTUM 719-428-9439 CO 5268.80 Total Purchases Activity 51,405.20 Summary of Fees and Interest I. 2014 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2014 $0.00 Total Interest Charged in 2014 $0.00 Interest Charge Calculation - 30 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) Interest Charge PURCHASES $0.00 13.24% (v) $0.00 BALANCE TRANSFERS $0.00 13.24% (1.4 $0.00 CASH ADVANCES $0.00 21.99% (1.) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271390 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) vie 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 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 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 0 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 DPR, the results will be the interest assessed, except for mince variations caused by rounding. Credk 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 find ■ 'mistake on your st•temseht If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Dmson 1000 Harbor Boulevard, 8th Floor Weehawken, NJ 07086 In your letter, give us the • information: Account Information: Your name and account number. Dollar amount: • • . ..:war amount of the suspected error. Description of problem: If you think there is an error on your ces;:the w:lat you oel.cNe 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. Veer rights if you are dissatisfied with your credit card purdtases 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 $50. (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 %%irking 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. C2011 UBS Bank USA EFTA00271391