EFTA00271514.pdf

Customer News Pay Credit Card reminder Your payment in the amount of $95.68 is scheduled to be paid o 11/18/14 from your UBS Account Thank you. UBS Visa Signature credit card clients have access to a range of roadside services and towing assistance. including the following roadside emergencies (up to $50 per event): Flat tires Dead batteries Mechanical breakdowns Running out of gas Lockouts All benefits are subject to lint itations. Please see the Terms and Conditions available at ubs.com/uscards for more details. SUBS Statement Pilling Period: Payment Due Date Minimum Payment Due UBS Visa Signature® credit card statement Prepared for: GHISUUNE MAXWELL Primary Card Number Ending in= Account Summary Minimum Payment Due $15.00 ue a Credit Line $35,000.00 able Credit Line $34,76 Cash Credit Line $14,000.00 ble Cash Line $14, Past Due Amount alt Amount $0.00 $0.00 Payment Information* Statement Balance Minimum Payment Due Payment Due Date 09/27/14 - 10/26/14 November 23, 2014 $15.00 Page 1 of 4 Questions? Call 1-800-762-1000 obs.corn/onineservices Activity Summary Previous Balance $246.22 + Purchases $85.51 + Fees $0.00 + Interest `Statement Balance $2.78 $238.83 I 5238.83 I 15 00 11/23/2014 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 535.00 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 sing this card and each month shown on this statement i u pay about... Only the Minimum Payment 18 months $264 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 inhumation 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.conVonlineseivices. 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 US. 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 $15.00 Statement Balance 5238.83 Payment Due Date November 23, 2014 You are enrolled in Automated Pay Credit Card. Send paym anis to: UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 112314 7826000014012491 5 0000001500 5 EFTA00271514 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 aye 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 year payment Is drawn are collected and not returned. V.,,Ien you provide a check as payment on this Account, you autnonze 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 orgy for cardholders with a UBS Resource Management Account (RMAQa) 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. Ardernafic 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 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 (1 ) we will not impose interest on Purchases during your current Continued on back of next page 8 § EFTA00271515 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 858 Points earned this period 86 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 944 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity la GHISLAINE MAXWELL - Card encfrig Date Desoip6cn Account Payments 10/17 PAYMENT THANK YOU -$95e8 Total Payments Activity -995.68 Purchases 09/29 NYC TAXI 8M11 ASTONA NY $10.00 10/15 MARLBORO MARKET BOSTON MA $10.51 10/I S JIM MU DOG SHOWS LTD 610-376-1880 PA 565.00 Total Purchases Activity S8S.St Summary of Fees and Interest Interest Charged Date Description Amount 10/24 ...CHASES $278 Total Interest for this period 52.78 2014 Totals Year-to-Date Summary of Fees and Interest I o:al Fees Charged in 2014 r"i0 Total Interest Charged in 2014 Interest Charge Calculation - 30 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) PURCHASES $255.21 13.24% (v) $2.78 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES $0.00 21.99% (v) $0.00 Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271516 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing statement by the Payment Due Date in the current billing period, and (2) we will credit any payment applied toward Purchases as of the first day in your current billing penod if you make a payment by the Payment Due Date in the current billing period that is less than the Statement Balance. If a Statement Balance was shown on your previous billing statement and you did not pay the Statement Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the Statement Balance shown on the current billing statement by the Payment Due Date in the current billing period. For Balance Transfers, interest will accrue from the day we send the Balance Transfer to the payee. For Checks, interest will accrue from the day the payee accepts the check. For Cash Advances, interest will accrue from the day you take the Cash Advance. How we will calculate your balance subject to interest rate. We use a method called -daily balance' (includny new 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 ford 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. Wbat to do If you Milk you flood a 'mistake on your ststesment 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 Lit, 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 In tenidni. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Veer rights If you are dissatisfied with your credit card purcluses 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 it %%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. 422011 UBS Bank USA EFTA00271517 Customer News View your card account activity. download credit card statements an more at ubs.com lonlineservices in the cash management tab. Pay Credit Card reminder Your payment in the amount of $95.68 is scheduled to be paid on 10/18/14 from your UBS Account. Thank you. 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 Minimum Payment Due Payment Due Date Credit Line Available Credit L Cash Credit Line Available Cash Lin Past Due Amount $15.00 $35,000.00 $14,000.00 50.00 Payment Information* Statement Balance Minimum Payment Due Payment Due Date 08/27/14 - 09/26/14 October 23. 2014 515.00 Page 1 of 4 Questions? Call 1-800-762-1000 ubs.cornionaneservices Activity Summary Previous Balance $188.69 I ents + Fees $0.00 + interest Statement Balance $24622 $246.22 $15.00 10/23/2014 Late P4narnt 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 balance sing this card and each month shown on this statement in u pay about... And you will end up paying 1 estimated total of... Only the Minimum Payment 19 months $273 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- I 000. 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 dosing 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) - 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 $15.00 $246.22 You are enrolled in Automated Pay Credit Card. Send payments 10: UBS BANK USA • CARD SERVICES PO BOX 203219 DALLAS TX 753204219 October 23, 2014 102314 4197420000507389 0 0000001500 0 EFTA00271518 Important Infonnetion Lester 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 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 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. Ardernaffc 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 § N 8 EFTA00271519 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 706 Points earned this period 152 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 858 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity la GHISLAINE MAXWELL - Card ending in I= Date Desoiptich Amount Payments 09/18 PAYMENT THANK YOU -$9668 Total Payments Activity -595.68 Purchases 09NO NYC TAXI 9H87 LONG ISLAND CNY $2450 09/I 1 NYC-TAN BROOKLYN NY $20.00 09/13 ESPA CORP NEW YORK NY $70.00 0922 NYC TAXI 9V76 NEW YORK NY $1650 09/22 NYC-TAN ASTORIA NY 58.00 09/23 ESPA CORP NEW YORK NY $12.70 Total Purchases Activity 5150.70 Summary of Fees and Interest Interest Charged Date Description Amount 09/26 INTEREST C-IARCE.ET, ME< $2.51 Total Interest for this period 2014 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2014 Total Interest Charged in 2014 Interest Charge Calculation - 31 Days in Billing Cyde WOO 510.45 PURCHASES BALANCE TRANSFERS CASH ADVANCES I Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) $222.84 $0.00 $0.00 13.24% (v) 13.24% (v) 21.99% (v) Interest Charge $2.51 $0.00 $0.00 EFTA00271520 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. 8 C2011 UBS Bank USA EFTA00271521 Customer News Pay Credit Card reminder Your payment in the amount of $95.68 is scheduled to be paid on 9/18/14 from your UBS Account. Thank you. SUBS Statement Billing Period: Payment Due Date Minimum Payment Due UBS Visa Signature® credit card statement Prepared for: GHISLAWE MAXWELL Primary Card Number Ending in: Account Summary Minimum Payment Due Paymen C .eril Line $15.00 $35,000.00 —Available Creditlir Th l Cash. Credit Line $14,000.00 I Available Cash Line WE= Past Due Amount Overlimit Amount 50.00 $000 Payment Information• Statement Balance Minimum Payment Due Payment Due Date + Fees $0.00 07/27/14 - 08/26/14 September 23, 2014 $15.00 Page 1 of 6 Questions? Call 1-800-762-1000 ubs.comionlineservices Activity Summary Previous Balance $281.50 $0.00 + Interest Statement Balance $188.69 $188.69 $15.00 09/232014 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 535.00 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 sing this card and each month shown on this statement i u pay about... Only the Minimum Payment 14 months $204 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 en elope 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 $15.00 Statement Balance $188.69 Payment Due Date September 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 092314 4197420000507389 0 0000001500 0 EFTA00271522 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 8 § a 8 8 ,r 0 EFTA00271523 Page 3 of 6 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 706 Points earned this period 0 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 706 •For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHISLAINE MAXWELL - Card ending in Date Desointim Amount Payments 08/18 PAYMENT THANK YOU -$95.68 Total Payments Activity -$95.68 Summary of Fees and Interest Interest Charged Date 08/26 INTEREST CHARGE-PURCHASEC Description Amount aMs for this period $2.87 .--- 2014 Totals Year-to-Date Summary of Fees and Interest Total Fees Chafgeo in 2014 $0.00 Total Interest Charged in 2014 $7.94 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) Interest Charge PURCHASES $255.22 13.24% (v) $2.87 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES 40.00 21.99% (v) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate Customer Notifkations Access cash at ATMs and banks all over the world With your UBS Visa Signature credit card. For domestic transactions, receive ATM fee rebates. up to $3 per transaction. for an unlimited number of transactions. EFTA00271524 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' (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. 8 C2011 UBS Bank USA EFTA00271525 Page 5 of 6 Important Changes to Your Account Terms We are changing the way that we determine your Minimum Payment Due. This change will take effect on October 27, 2014. We are replacing the first three sentences in the section of your Cardm ember Agreement titled "Your minimum payment each month" with the following: Each billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Due Date. If the Statement Balance shown on your monthly statement is less than 535, your Minimum Payment Due (due by the Payment Due Date) will be that Statement Balance amount. Otherwise, if your Statement Balance is equal to or greater than 535, your Minimum Payment Due will be the greater of 535 or the total of (1)2% of the Principal Balance (defined as the total Statement Balance minus any interest charges, Returned Payment Fees, and Late Payment Fees that are incurred during the current billing cycle), plus (2) interest charges incurred during the current billing cycle (for this purpose, interest charges incurred do not include interest charges that accrued during prior billing cycles on a deferred interest balance (if there are any on your Account) that ended during the billing cycle covered by the statement), plus (3) any Returned Payment Fees and any Late Payment Fees incurred during the current billing cycle, plus (4) if your Account has an Annual Fee and if we so elect, a portion of the amount of the Annual Fee (unless you have already paid the Annual Fee in full), plus (5) if we so elect, any amount past due and/or amount over your credit line at the time of billing. Notice of Important Changes to Your Cardmember Agreement Effective October 12. 2014, we are replacing the last three sentences of the section of your Cardm ember Agreement titled "Transaction fees" with the following: When you use an ATM, you may be charged a fee by the ATM operator and /or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a transaction). If you have an active UBS Account linked to this credit card account UBS Financial Services will reimburse your U.S. domestic ATM fees, up to 53.00 per transaction for an unlimited number of transactions per year for the UBS Visa Signature®credit card, and up to 510.00 per transaction for an unlimited number of transactions per year for the UBS Preferred Visa Signature®credit card. We will not reimburse your international ATM fees. We are able to rebate ATM fees only in cases where the transaction fee surcharge is submitted to UBS by the ATM operator and / or network used. In the event that you have not received a rebate for a fee that you believe is eligible, please call 800-762-1000 or collect at 201-352-5257 for assistance. Effective immediately we are replacing the sections of your Cardmember Agreement titled "Authorized users" and "Credit information" with the following: Authorized users You may allow Authorized Users to use your Account and designate a spending limit for any Authorized User. if you allow an Authorized User to use your Account, you will be liable for all transactions made by that person including transactions for which you may not have intended to be liable, even if the amount of those transactions causes your credit line or the spending limit of any Authorized User to be exceeded. You must notify us to revoke your permission to allow an Authorized User to use your Account or Card, and you must obtain possession of any Card that has been given to the Authorized User. Until you revoke your permission and obtain possession of any Card, you are responsible for all charges made by Authorized Users, including Balance Transfer Check and Cash Advance Check transactions, regardless of whether you intended to be responsible for those charges and you must obtain any Card that has been given to the Authorized Users. If you request additional Cards for Authorized sers, checks accessing this Account may also be included with the Card.. Credit information You agree that we may request consumer credit reports from one or more credit reporting agencies in connection with your application and the review, administration and collection of your Account. You also authorize us to exchange credit information concerning you or your Account or any Authorized Users with (and answer questions and requests from) others, such as merchants, other lenders and credit reporting agencies. 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 or the credit report of any Authorized User is inaccurate or incomplete, please contact the credit bureau directly or contact us at UBS Bank USA, Card Operations, 1000 Harbor Boulevard, 6th floor, Weehawken, NJ 07086. We will request your name and/or the name of the Authorized User; your Account number; the credit bureau where you or the Authorized User received the credit report; a description of the error; and why you believe it is an error. We will promptly investigate, notify you or the Authorized User of our findings, and send an update to the credit bureaus if warranted within 30 days. EFTA00271526 Page 6 of 6 Effective immediately we are adding the following section titled • Personal Identification Number (PIN)' after the section of your Cardmember Agreement titled "Checks on Your Account." This feature is offered under the same terms and conditions as the existing account. Personal Identification Number (PIN) 'Ne may issue you a PIN that you can use to obtain a Cash Advance at participating ATMs, or to authorize other transactions at terminals that connect with a microchip embedded in your Card. You must keep your PIN confidential, and may not write it on your Card or on any material you keep with your Card. You agree that we may honor each ATM or other transaction according to the instructions keyed in for it at the ATM or terminal, and you acknowledge that each transaction made using your Card and PIN will have the same effect, and you will be liable, as if it was made by a written document signed by you. EFTA00271527 Customer News Pay Credit Card reminder Your payment in the amount of $9 5.6 8 is scheduled to be paid on 8/1 871 4 from your UBS Account. Thank you. Make lite 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:MI Account Summary Minimum Payment Due Paymen C.ed.t Line $15.00 $35,000.00 —Available Credit Lir Th l Cash. Credit Line Available Cash Line Past Due Amount Overlimit Amount $14,000.00 WM= $0.00 $0.00 Payment Information* Statement Balance Minimum Payment Due Payment Due Date 06/27/14 - 07/26/14 August 23, 2014 $15.00 Page 1 of 4 Questions? Call 1-800-762-1000 ubs.corn/onbriesenrices Activity Summary Previous Balance $175.47 + Fees `Statement Balance 5281.50 I $281.50 $15.00 08/23/2014 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 535.00 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 baler sing this card and each month shown on this statement i u pay about... Only the Minimum Payment 22 months $317 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- I 000. 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 necks 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 $15.00 Statement Balance $281.50 Payment Due Date August 23, 2014 You are enrolled in Automated Pay Credit Card. Send payments io: UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 062314 4197420000507389 0 0000001500 0 EFTA00271528 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 8 § 8 8 0 EFTA00271529 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 507 Points earned this period 199 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 706 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity Fa GHISLAINE MAXWELL - Card encfmg Date Desoipticn Amount Payment 07/18 PAYMENT THANK YOU -59668 Total Payments Activity -595.68 Purchases 07d02 DM MU DOG SHOWS LTD 610-376-1880 PA 5126.00 07/10 ESPA CORP NEW YORK NY 55950 07/10 ESPA CORP NEW YORK NY 513.00 Total Purchases Activity $198.50 Summary of Fees and Interest Interest Charged Date Description Amount 07/25 INTEREST CHARGE-PURCHASES 53 27 total Interest for this period 53.21 2014 Totals Year-to-Date Summary of Fees and Interest 1 oral Fees Charged in 2014 Total Interest Charged in 2014 Interest Charge Calculation - 30 Days in Billing Cyde $0.00 45.07 Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) PURCHASES 4294.31 13.24% (v) $3.21 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES 40.00 21.99% (v) $0.00 Interest Charge Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271530 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. a a it a 8 C2011 UBS Bank USA EFTA00271531 Customer News Pay Credit Card reminder Your payment in the amount of $95.68 is scheduled to be paid on 7/1 8/1 4 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: Account Summary Minimum Payment Due Paymen ue a, C .nril Line Available Credit Lin Cash Credit Line $35.00 $35,000.00 $14,000.00 I Available Cash Line Past Due Amount Overlimit Amount $0.00 S0.00 Payment Information* Statement Balance Minimum Payment Due Payment Due Date 05/27/14 - 06/26/14 July 23, 2014 535.00 Page 1 of 4 Questions? Call 1-800-762-1000 ubs.cornionineservices Activity Summary Previous Balance + Purchases + Fees + Interest Statement Balance $248.99 $20.30 $0.00 S175.47 I 4175.47 $35.00 07/23/2014 late • t Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to S35.00 and your APRs may be increased to the Penalty APR of 27.24%. 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 sing this card and each month shown on this statement i u pay about... Only the Minimum Payment 6 months $181 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 necks 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 defivery. 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 $35.00 $1 75.47 July 23, 2014 072314 4197420000507389 0 0000003500 0 EFTA00271532 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 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 your payment is drawn are collected and not returned. When you provide a check as payment on this Account, you autnonze us to either use the information from your check to make a one-lime electronic fund transfer from your account a to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. For inquiries please call 1-800-762-1000. 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. Ardwasaffc repayment of cash advances through CashConnect The CashConnect feature on your UBS credit card account will automatically repay new Cash Advances obtained from ATMs and financial institutions (CashConnect Cash Advances), each night, with available funds from your UBS Resource Management Account (IIMA a your UBS Business Services Account BSA ®(either referred to as your UBS Account). You will incur no interest charges on CashConnect Cash Advances, as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance transaction in full when we first seek payment from your UBS Account. If sufficient available funds are not available in your UBS Account to pay off your CashConnect Cash Advances balance in full, then the APR for Cash Advances will apply as of the original transaction date on any remaining balance. You will be charged the APR on Cash Advances on your remaining CashConnect Cash Advance balance until it is repaid in full. Applicable ATM surcharge fees may apply. No other account balances are paid through the CashConnect feature. If you choose not to participate in the CashConnect feature, please contact UBS at 1-800-762-1000. Available only for cardholders with a U85 Resource Management Account or UBS Business Services Account BSA. Accrual of interest and hew to avoid paying interest en percbeses. 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 § a 8 EFTA00271533 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 486 Points earned this period 21 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 507 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity la GHISLAINE MAXWELL - Card ending in Date Payments Desoipticn Amount 06/18 PAYMENT THANK YOU -59568 Total Payments Activity -595.68 Purchases 05/29 ESPA CORP NEW YORK NY $10.50 06/24 LE PAIN QUOTIDIEN NEW YORK NY 59.80 Total Purchases Activity $20.30 Summary of Fees and Interest Interest Charged Date Description Amount 06/26 INTEREST CHARGE-PURCHASES $1.86 $1.86 I 2014 Totals Yeardto-Date Summary of Fees and Interest Total Fees Charged in 2014 $0.00 Total Interest Charged in 2014 $11.86 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Rate RATE (APR) Interest Charge PURCHASES $164.96 13.24% (v) $1 .86 BALANCE TRANSFERS $0.00 13.24% (v) 10.00 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 Customer Notifkations Access cash at ATMs and banks all over the world With your UBS Visa Signature credit card. For domestic transactions, receive ATM fee rebates. up to $3 per transaction. for an unlimited number of transactions. EFTA00271534 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' (inciuduty 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 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 OPR, the results will be the interest assessed, except for minor variations caused by rounding. credit bureau reports and disputes: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau directly or contact us at UBS Bank USA, Card Operations Division, 1000 Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request your name; your account number; the credit bureau where you received the credit report; a 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 • 'mistake on yaw st•temeaut 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 the • ng information: Account Information: Your name and account number. Dollar amount: • ar amount of the suspected error. Description of problem: If you think there is an error on your cesythe valat you oel.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 werilits. 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 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 writing at: UBS Bank USA—Disputes Department P.O. Box 84040 Columbus, GA 31908 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Please refer to your Cardmember Agreement for additional information about the terms of your Account. 8 C2011 UBS Bank USA EFTA00271535 Customer News Pay Credit Card reminder Your payment in the amount of $95.68 is scheduled to be paid on 6/18/14 from your UBS Account. Thank you. UBS Visa Signature credit card clien have access to a range of roadside services and towing assistance. including the following roadside emergencies (up to $50 per event): Flat tires Dead batteries Mechanical breakdowns Running out of gas Lockouts All benefits are subject to limitations. Please see the Terms and Conditions available at ubs.com/uscard for more details. SUBS Statement Billing Period: Payment Due Date Minimum Payment Due UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Primary Card Number Ending in: Account Summary I Minimum Payment Due $13.00 ayment Due Date Credit Line Available Credit L Cash Credit Line Available Cash Lit Past Due Amount $35,000.00 $14,000.00 $0.00 Payment Information* Statement Balance Minimum Payment Due Payment Due Date 04/27/14 - 05/26/14 June 23. 2014 515.00 Page 1 of 4 Questions? Call 1-800-762-1000 ubs.cornlonineservices Activity Summary Previous Balance $98.42 enft + Purchases $246.25 I + Fees $0.00 + Interest Statement Balance $248.99 $248.99 $15.00 0623/2014 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of 27.24%. 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 charg sing this card and each month. 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 19 months $276 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. Pease make cnecks payable to •UBS Card Services and include this payment coupon in the enclosed envelope. Please allow) - 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 $15.00 $248.99 June 23, 2014 062314 4197420000507389 0 0000001500 0 EFTA00271536 Important Infonnetion Lester 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 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 authorize us to either use the information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. For inquiries please call 1-800-762-1000. 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. Ardernaffc repayment of cash advances through CashConnect The CashConnect feature on your UBS credit card account will automatically repay new Cash Advances obtained from ATMs and financial institutions (CashConnect Cash Advances), each night, with available funds from your UBS Resource Management Account ® IRMA or your UBS Business Services Account BSA ®(either referred to as your UBS Account). You will incur no interest charges on CashConnect Cash Advances: as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance transaction in full when we first seek payment from your UBS Account. If sufficient available funds are not available in your UBS Account to pay off your CashConnect Cash Advances balance 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 § 8 EFTA00271537 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 239 Points earned this period 247 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 486 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity fa GHISLAJNE MAXWELL - Card ending in= Date Desoiptiat Amount Payments 05/16 PAYMENT THANK YOU -$9968 Total Payments Activity -595.68 Purchases 04/26 ESPA CORP NEW YORK NY 537.00 O5r06 ESPA CORP NEW YORK NY $10.50 O5r06 NYC TAXI 4A80 LONG ISLAND CNY $16.25 05/10 ESPA CORP NEW YORK NY $54.00 05/13 NYC-TAXI ASTORIA NY $1950 05/21 JIM RAU DOG SHOWS LTD 610-376-1880 PA $71.00 05/22 ESPA CORP NEW YORK NY $38.00 Total Purchases Activity $245.25 Summary of Fees and Interest Iff - 2014 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2014 $ODO 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% $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 EFTA00271538 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. 8 8 C2011 UBS Bank USA EFTA00271539