EFTA01596789

SUBS Statement Billing Period: Payment Due Date Minimum Payment Due 09/27/14 - 10/26/14 November 23, 2014 $15.00 UBS Visa Signature® credit card statement Prepared for: GHISUUNE MAXWELL Page 1 of 4 Customer News Primary Card Number Encfmg Questions/ Call 1-800-762-1000 ubs.corn/onanesenrices Pay Credit Card reminder Account Summary Activity Summary Your payment in the amount of Minimum Payment Due $15.00 Previous Balance $246.22 I $95.68 is scheduled to be paid o ue a 11/18/14 from your UBS Account Credit Line $35,000.00 Thank you. able Credit Line S34,761 Cash Credit Line $14,000.00 UBS Visa Signature credit card ble Cash Line $14, clients have access to a range of Past Due Amount moo roadside services and towing It Amount $0.00 assistance. including the following roadside emergencies (up to $50 Payment Information* per event): Statement Balance $238.83 Flat tires Minimum Payment Due $15.00 Dead batteries Payment Due Date 11/23/2014 Mechanical breakdowns Running out of gas Late Payment Warning: If we do not receive your minimum payment by the date listed above, you Lockouts may have to pay a late fee up to S35.00 and your APRs may be increased to the Penalty APR of All benefits are subject to lim itations. 27.24%. Please see the Terms and 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. Conditions available at For Instance ubs.comiuscards for more details. If you make no additional charges You will pay off the balance And you will end up paying the sing this card and each month shown on this statement in estimated total of... 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 I-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.comtonlineservices. Detach here. Please make checks payable to 'UBS Card Services and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U.S. Postal Service delivery. UBS BANK USA - CARD SERVICES PO BOX 84040 UBS Card Number Ending in Minimum Payment Due Statement Balance $15.00 5238.83 COLUMBUS GA 31908.4040 Payment Due Date November 23, 2014 You are enrolled in Automated Pay Credit Card. Send paym ents to: GHISLAINE MAXWELL UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 SDNY_GM_00008867 CONF I DE NIL AL5 0000001500 5 EFTA01596789 Important Infonnetion Lost or stolen card: Your credit card is issued by UBS Bank USA. If pay your account online. Payments made on our website by 6:00 p.m. your card is lost or stolen, please contact us immediately at Eastern time will be credited to your account that same day. Available 1-800-762-1000 at any time. You will not be liable for any only for cardholders with a UBS Resource Management Account unauthorized use that occurs after you notify us. You may, however, be (RMA(g) or UBS Business Services Account BSA 110. liable for unauthonzed use that occurs before your notice to is In any case, your liability will not exceed 550. Pay by phone: To make a payment by phone please call 1400-762-1000. An expedited payment made by phone by 5:00 p.m. Payment Information: Each billing cycle, you must pay at least the Eastern time will be credited to your account that same day, and Minimum Payment Due shown on your monthly statement by its reflected in your credit line by the next day. You can also make a Payment Due Date. Both the Minimum Payment Due and Payment Due phone payment from your UBS account as late as 6:00 p.m. Eastern Date are noted on your statement. At any time you may pay more than time. This payment will be credited as of that same day, but application S 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 to your credit line may be delayed. S 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 Overnight payments: Send overnight courier service or USPS Prionty § Mail payments to UBS Bank USA--Card Services, 2975 Regent month's required Minimum Payment Due by your next Payment Due Boulevard, P.O. Box 203219, Irving: TX 75063. A payment received at Date. Remember to make all checks payable to Card Services. Please this address by 5:00 p.m. Central time that otherwise meets the allow 7 days for the U.S. Postal Service to deliver your payment requirements of a conforming payment will be credited to your account to us. Upon our receipt, your available credit may not be that same day. increased by the payment amount for up to 7 days to ensure the funds from the bank on which parr payment Is drawn are Aretwatatic repayment of cash advances through Cashr.oanect collected and not returned. V.,,Ien you provide a check as payment The CashConnect feature on your UBS credit card account will on this Account, you autnonze us to either use the information from automatically repay new Cash Advances obtained from ATMs and your check to make a one-time electronic fund transfer from your financial institutions (CashConnect Cash Advances), each night, with account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, available funds from your UBS Resource Management Account funds may be withdrawn from your account as soon as the same day IRMA or your UBS Business Services Account BSA ®(either referred to we receive your payment, and you will not receive your check back as your UBS Account). You will incur no interest charges on from your financial institution. For inquiries please call 1-800-762-1000. CashConnect Cash Advances: as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance Moiled payments: A conforming payment received by us by 5:00 transaction in full when we first seek payment from your UBS Account. p.m. Central time will be credited to your account the day of receipt. A If sufficient available funds are not available in your UBS Account to pay "conforming payment" is a payment that: 1) is mailed using the off your CashConnect Cash Advances balance in full, then the APR for enclosed envelope and payment coupon included with this statement to Cash Advances will apply as of the original transaction date on any UBS Bank USA—Card Services, P.O. Box 203219: Dallas, TX 75320-3210 remaining balance. You will be charged the APR on Cash Advances on and 2) is in the form of a single, non-folded check or money order made your remaining CashConnect Cash Advance balance until it is repaid in payable in US dollars from a US based institution. Any payment that full. Applicable ATM surcharge fees may apply. No other account does not meet these requirements, or any payment with multiple checks balances are paid through the CashConnect feature. If you choose not or money orders, additional correspondence, staples, paperclips, etc. to participate in the CashConnect feature, please contact UBS at will be considered a "non-conforming payment" which may delay the 1-800-762-1000. Available only for cardholders with a UBS Resource crediting of the payment for up to 5 days. We can accept late Management Account or UBS Business Services Account BSA. payments, partial payments, checks and money orders marked "Paid in Full" or language having the same effect without losing any of our Accrual of Interest and how to avoid paying Interest en rights under this Agreement, and such payments may be sent to the parcisases. following address: UBS Bank USA—Card Services, P.O. Box 203219, Your due date is at least 23 days after the close of each billing cycle. On Dallas, TX 75320-3210. Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance that was shown on your Other payment options: previous billing statement by the Payment Due Date on that statement, Online: Visit ubs.comlonlineservices to sign up for Pay Credit Card to then (I) we will not impose interest on Purchases during your current Continued on back of next page SDNY_GM_00008868 CONFIDENTIAL EFTA01596790 Page 3 oi 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 fa GHISLAINE MAXWELL - Card eniing Date Desoip6a Amount Payments 10/17 PAYMENT THANK YOU -$95.68 Total Payments Activity -595.68 Purchases 09/29 NYC TAXI 8M11 ASTOFUA NY $10.00 10/1S MARLBORO MARKET BOSTON MA 510.51 10/I S JIM MU DOG SHOWS LTD 610-376-1880 PA 565.00 Total Purchases Activity 585.51 Summary of Fees and Interest 1 Interest Charged Date Description Amount 10/24 INTEREST CHARGE-PURCHASES 52 78 Total Interest for this period 52.78 2014 Totals Year-to-Date Summary of Fees and Interest I o:al Fees Charged in 2014 1 LC Total Interest Charged in 2014 Interest Charge Calculation - 30 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $255.21 13.24% (v) S2.78 BALANCE TRANSFERS 40.00 13.24% (v) $0.00 CASH ADVANCES $0.00 21.99% M $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate SDNY_GM_00008869 CONFIDENTIAL EFTA01596791 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing In your letter, give us thu • ng information: statement by the Payment Due Date in the current billing period, and Account Information; Your name and account number. (2) we will credit any payment applied toward Purchases as of the first Dollar amount: • :.dr amount of the suspected error. day in your current billing penod if you make a payment by the Payment Description of problem: If you think there is an error on your Due Date in the current billing period that is less than the Statement LIT cosy the rvaat you oel.ee is wrong and why you believe it is a Balance. If a Statement Balance was shown on your previous billing mistake. You must contact us within 60 days after the error appeared statement and you did not pay the Statement Balance by the Payment on your statement. Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the You must notify us of any potential errors is ligirsidnee. You may call us, Statement Balance shown on the current billing statement by the but if you do we are not required to investigate any potential errors and Payment Due Date in the current billing period. For Balance Transfers, you may have to pay the amount in question. interest will accrue from the day we send the Balance Transfer to the While we investigate whether or not there has been an error, the payee. For Checks, interest will accrue from the day the payee accepts following are true: the check. For Cash Advances, interest will accrue from the day you We cannot try to collect the amount in question, or report you as take the Cash Advance. delinquent on that amount. The charge in question may remain on your statement, and we How we will calculate your balance subject to interest rate. may continue to charge you interest on that amount. But, if we We use a method called "daily balance' (inciudoly new purchases). To determine that we made a mistake, you will not have to pay the determine the amount of the interest to be charged on your Account amount in question a any interest or other fees related to that we first calculate the "Balance Subject to Interest Rate" separately for amount. Purchases, for Balance Transfers, and for Cash Advances. We apply the While you do not have to pay the amount in question, you are applicable Daily Periodic Rate (the DPR) (the DPR for each category is responsible for the remainder of your balance. the applicable APR shown on the front of the statement drooled by We can apply any unpaid amount against your credit limit. 365), to each of the applicable daily balances for 4 Purchases, Balance Transfers and iii) Cash Advances. The daily balances foe Vow rights if you are dissatisfied with your credit card Purchases, for Balance Transfers and for Cash Advances are each palm calculated separately and determined as follows: We take the beginning If you are dissatisfied with the goods or services that you have balances for each transaction type on your Account each day, including purchased with your credit card, and you have tried in good faith to any interest calculated on the previous day's balance, add to the correct the problem with the merchant, you may have the right not to respective balances any new transaction, subtract any payments or pay the remaining amount due on the purchase. To use this right, all of credits and make any other applicable adjustment(s). Your Cardmember the following must be true: Agreement provides for compounding of interest. A credit balance is I. The purchase must have been made in your home state or within treated as a balance of zero. If you multiply the "Balance Subject to 100 miles of your current mailing address, and the purchase price Interest Rate" for each balance category as shown on your monthly must have been more than S50. (Note: Neither of these are billing statement by the number of days in the billing penod and then necessary if your purchase was based on an advertisement we multiply each sum by the applicable DPR, the results will be the interest mailed to you, or if we own the company that sold you the goods assessed, except for mince variations caused by rounding. or services.) 2. You must have used your credit card for the purchase. Purchases Oedk bureau reports and disputes: We may report information made with cash advances from an ATM or with a check that about your account to credit bureaus. Late payments, missed accesses your credit card account do not qualify. payments, or other defaults on your account may be reflected in your 3. You must not yet have fully paid for the purchase. credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau If all of the criteria above are met and you are still dissatisfied with the directly or contact us at UBS Bank USA, Card Operations Division, 1000 purchase, contact us is %%irking at: Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request UBS Bank USA--Disputes Department your name; your account number; the credit bureau where you received P.O. Box 84040 the credit report; a descnption of the error; and why you believe it is an Columbus, GA 31908 error. We will promptly investigate, notify you of our findings, and send While we investigate, the same rules apply to the disputed amount as an update to the credit bureaus if warranted within 30 days. 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 Wbat to do If you Oink you find a 'mistake on yaw statement pay, we may report you as delinquent. If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Drosion Please refer to your Cardmember Agreement for additional information 1000 Harbor Boulevard, 8th Floor about the terms of your Account. Weehawken, NJ 07086 C2011 UBS Bank USA SDNY_GM_00008870 CONFIDENTIAL EFTA01596792 SUBS Statement Billing Period: Payment Due Date Minimum Payment Due 08/27/14 - 09/26/14 October 23, 2014 $15.00 UBS Visa Signature® credit card statement Prepared for: GHISUUNE MAXWELL Page 1 of 4 Customer News Primary Card Number Encfmg in: Questions? Call 1-800-762-1000 ubs.conVonaneservices View your card account activity. download credit card statements an Account Summary Activity Summary more at ubs.com lonlineserwces in the Minimum Payment Due $15.00 Previous Balance $188.69 I cash management tab. men ue a Credit Line $35,000.00 + Purchases $150.70 I Available Credit Line $34,75 Cash Credit Line 314 000.00 Pay Credit Card reminder Available Cash Line $14, . + Fees $0.00 I Your payment in the amount of Past Due Amount $0.00 + Interest $9 5.6 8 is scheduled to be paid on Overlimit Amount a $0.00 Statement Balance 524622 I 10/18/14 from your UBS Account. Thank you. Payment Information* Statement Balance $246.22 Minimum Payment Due $15.00 Payment Due Date 10/23/2014 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 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 1-800-762-1000. 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 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 7 10 business days for US. Postal Service delivery. UBS BANK USA - CARD SERVICES PO BOX 84040 UBS Card Number Ending in Minimum Payment Due Statement Balance $15.00 $246.22 COLUMBUS GA 31908.4040 Payment Due Date October 23, 2014 You are enrolled in Automated Pay Credit Card. Send paym anis to: GHISLAINE MAXWELL UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 SDNY_GM_00008871 CONFIDENIAL 0000001500 0 EFTA01596793 Important Information Lost or stolen card: Your credit card is issued by UBS Bank USA. If pay your account online. Payments made on our website by 6:00 p.m. your card is lost or stolen, please contact us immediately at Eastern time will be credited to your account that same day. Available 1-800-762-1000 at any time. You will not be liable for any only for cardholders with a UBS Resource Management Account unauthorized use that occurs after you notify us. You may, however, be (RMA(g) or UBS Business Services Account BSA 110. liable for unauthonzed use that occurs before your notice to us. In any case, your liability will not exceed 550. Pay by phone: To make a payment by phone please call I-800-762-1000. An expedited payment made by phone by 5:00 p.m. Payee's! Information: Each billing cycle, you must pay at least the Eastern time will be credited to your account that same day, and Minimum Payment Due shown on your monthly statement by its reflected in your credit line by the next day. You can also make a Payment Due Date. Both the Minimum Payment Due and Payment Due phone payment from your UBS account as late as 6:00 p.m. Eastern Date are noted on your statement. At any time you may pay more than time. This payment will be credited as of that same day, but application S the Minimum Payment Due up to the full amount you aye us, however to your credit line may be delayed. 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 Overnight payments: Send overnight courier service a USPS Prionty § month's required Minimum Payment Due by your next Payment Due Mail payments to UBS Bank USA--Card Services, 2975 Regent C. Boulevard, P.O. Box 203219, Irving: TX 75063. A payment received at Date. Remember to make all checks payable to Card Services. Please this address by 5:00 p.m. Central time that othenuse meets the allow 7 days for the U.S. Postal Service to deliver your payment requirements of a conforming payment will be credited to your account to us. Upon our receipt, your available credit may not be that same day. 8 Increased by the payment amount for up to 7 days to ensure the funds from the bank on which yam payment Is drawn are Aretwanaffc repayment of cash advances through Cashreanect collected and not returned. V.,,Ien you provide a check as payment The CashConnect feature on your UBS credit card account will on this Account, you auttionze us to either use the information from automatically repay new Cash Advances obtained from ATMs and your check to make a one-time electronic fund transfer from your financial institutions (CashConnect Cash Advances), each night, with account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, available funds from your UBS Resource Management Account funds may be withdrawn from your account as soon as the same day IRMA or your UBS Business Services Account BSA ®(either referred to we receive your payment, and you will not receive your check back as your UBS Account). You will incur no interest charges on from your financial institution. For inquiries please call 1-800-762-I 000. CashConnect Cash Advances: as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance Moiled payments: A conforming payment received by us by 5:00 transaction in full when we first seek payment from your UBS Account. p.m. Central time will be credited to your account the day of receipt. A If sufficient available funds are not available in your UBS Account to pay "conforming payment" is a payment that: 1) is mailed using the off your CashConnect Cash Advances balance in full, then the APR for enclosed envelope and payment coupon included with this statement to Cash Advances will apply as of the original transaction date on any UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210 remaining balance. You will be charged the APR on Cash Advances on and 2) is in the form of a single, non-folded check or money order made your remaining CashConnect Cash Advance balance until it is repaid in payable in US dollars from a US based institution. Any payment that full. Applicable ATM surcharge fees may apply. No other account does not meet these requirements, or any payment with multiple checks balances are paid through the CashConnect feature. If you choose not or money orders, additional correspondence, staples, paperclips, etc. to participate in the CashConnect feature, please contact UBS at will be considered a "non-conforming payment" which may delay the I-800-762-1000. Available only for cardholders with a U85 Resource crediting of the payment for up to 5 days. We can accept late Management Account or UBS Business Services Account BSA. payments, partial payments, checks and money orders marked "Paid in Full" or language having the same effect without losing any of our Accrwil of Interest and how to avoid paying Interest en rights under this Agreement, and such payments may be sent to the parcbases. following address: UBS Bank USA—Card Services, P.O. Box 203219, Your due date is at least 23 days after the close of each billing cycle. On Dallas: TX 75320-3210. Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance that was shown on your Other payment options: previous billing statement by the Payment Due Date on that statement, Online: Visit ubs.comlonlineservices to sign up for Pay Credit Card to then (1) we will not impose interest on Purchases during your current Continued on back of next page SDNY_GM_00008872 CONFIDENTIAL EFTA01596794 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 706 Points earned this petiod 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 for GHISLAINE MAXWELL - Card encfrig in Date Desoipticn Amount Payments 09/18 PAYMENT THANK YOU -$95.68 Total Payments Activity -595.68 Purchases 09/10 NYC TAXI 9H87 LONG ISLAND CNY $2450 09/I I NYC-TAXI BROOKLYN NY $20.00 09/13 ESPA CORP NEW YORK NY $70.00 09/22 NYC TAXI 9V76 NEW YORK NY $1650 09/22 NYC-TAN ASTONA 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 CHARC .PCRC HASES. $2.51 Total Interest for this period 2014 Totals Year-to-Date Summary of Fees and Interest -total Fees Charged in 2014 WOO Total Interest Charged in 2010 510.45 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $222.84 13.24% (v) $2.51 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES $0.00 21.99% 1114 $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate SDNY_GM_00008873 CONFIDENTIAL EFTA01596795 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing In your letter, give us thu • rig information: statement by the Payment Due Date in the current billing period, and Account Information; Your name and account number. (2) we will credit any payment applied toward Purchases as of the first Dollar amount: • : .dr amount of the suspected error. day in your current billing penod if you make a payment by the Payment Description of problem: If you think there is an error on your Due Date in the current billing period that is less than the Statement ces:rthe .kit you oel.ee is wrong and why you believe it is a Balance. If a Statement Balance was shown on your previous billing mistake. You must contact us within 60 days after the error appeared statement and you did not pay the Statement Balance by the Payment on your statement. Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the You must notify us of any potential errors is wrilfng. You may call us, Statement Balance shown on the current billing statement by the but if you do we are not required to investigate any potential errors and Payment Due Date in the current billing period. For Balance Transfers, you may have to pay the amount in question. interest will accrue from the day we send the Balance Transfer to the While we investigate whether or not there has been an error, the payee. For Checks, interest will accrue from the day the payee accepts following are true: the check. For Cash Advances, interest will accrue from the day you We cannot try to collect the amount in question, or report you as take the Cash Advance. delinquent on that amount. The charge in question may remain on your statement, and we How we will calculate your balance subject to interest rate. may continue to charge you interest on that amount. But, if we We use a method called "daily balance' (includtny new purchase5). To determine that we made a mistake, you will not have to pay the determine the amount of the interest to be charged on your Account amount in question a any interest or other fees related to that we first calculate the "Balance Subject to Interest Rate" separately for amount. Purchases, for Balance Transfers, and for Cash Advances. We apply the While you do not have to pay the amount in question, you are applicable Daily Periodic Rate (the DPR) (the DPR for each category is responsible for the remainder of your balance. the applicable APR shown on the front of the statement dmded by We can apply any unpaid amount against your credit limit. 365), to each of the applicable daily balances for i) Purchases, u) Balance Transfers and iii) Cash Advances. The daily balances foe Vow rights If you are dissatisfied with yew credit card Purchases, for Balance Transfers and for Cash Advances are each powduses calculated separately and determined as follows: We take the beginning If you are dissatisfied with the goods or services that you have balances for each transaction type on your Account each day, including purchased with your credit card, and you have tried in good faith to any interest calculated on the previous day's balance, add to the correct the problem with the merchant, you may have the right not to respective balances any new transaction, subtract any payments or pay the remaining amount due on the purchase. To use this right, all of credits and make any other applicable adjustment(s). Your Cardmember the following must be true: Agreement provides for compounding of interest. A credit balance is I. The purchase must have been made in your home state or within treated as a balance of zero. If you multiply the "Balance Subject to 100 miles of your current mailing address, and the purchase price Interest Rate for each balance category as shown on your monthly must have been more than S50. (Note: Neither of these are billing statement by the number of days in the billing penod and then necessary if your purchase was based on an advertisement we multiply each sum by the applicable OPR, the results will be the interest mailed to you, or if we own the company that sold you the goods assessed, except for mince variations caused by rounding. or services.) 2. You must have used your credit card for the purchase. Purchases Credit bureau reports and disputes: We may report information made with cash advances from an ATM or with a check that about your account to credit bureaus. Late payments, missed accesses your credit card account do not qualify. payments, or other defaults on your account may be reflected in your 3. You must not yet have fully paid for the purchase. credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau If all of the criteria above are met and you are still dissatisfied with the directly or contact us at UBS Bank USA, Card Operations Division, 1000 purchase, contact us is willing at: Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request UBS Bank USA--Disputes Department your name; your account number; the credit bureau where you received P.O. Box 84040 the credit report; a description of the error; and why you believe it is an Columbus, GA 31908 error. We will promptly investigate, notify you of our findings, and send While we investigate, the same rules apply to the disputed amount as an update to the credit bureaus if warranted within 30 days. 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 Mat to do If you tbkok you flood a 'mistake on yaw statement pay, we may report you as delinquent. If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Denson Please refer to your Cardmember Agreement for additional information 1000 Harbor Boulevard, 8th Floor about the terms of your Account. Weehawken, NJ 07086 C2011 UBS Bank USA SDNY_GM_00008874 CONFIDENTIAL EFTA01596796 SUBS Statement Billing Period: Payment Due Date Minimum Payment Due 07/27/14 - 08/26/14 September 23. 2014 515.00 UBS Visa Signature® credit card statement Prepared for: GHISUUNE MAXWELL Page 1 of 6 Customer News Primary Card Numb& Ending in:MI Questions? Call 1-800-762-1000 ubs.convonineservices Pay Credit Card reminder Account Summary Activity Summary Your payment in the amount of I Minimum Payment Due $15.00 Previous Balance $281.50 $95.68 is scheduled to be paid on paymentDue Date 9/18/14 from your UBS Account. Credit Line $35,000.00 + Purchases $0.00 Thank you. Available Credit L Cash Credit Line 314,000.00 + Fees 50.00 Past Due Amount 50.00 + Interest `Statement Balance S188.69 Payment Information• Statement Balance 4188.69 Minimum Payment Due $15.00 Payment Due Date 09/23/2014 Late P4n.mt Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of 27.24%. Minimum Payment 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 And you will end up paying the sing this card and each month shown on this statement in estimated total of... 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- 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 closing date of this statement. Account activity after the closing date is not reflected. To view your most recent transaction activity online, go to ubs.com/onlineservices. Detach here. Please make checks payable to •UBS Card Services and include this payment coupon in the enclosed envelope. Please allow 7 - 10 business days for U.S. Postal Service delwery. UBS BANK USA • CARD SERVICES PO BOX 84040 UBS Card Number Ending in Minimum Payment Due Statement Balance $15.00 $188.69 COLUMBUS GA 319084040 Payment Due Date September 23, 2014 You are enrolled in Automated Pay Credit Card. Send payments to: GHISLAINE MAXWELL UBS BANK USA • CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 SDNY_GM_00008875 CONFIDENTIAL 0000001500 6 EFTA01596797 Important Information Lost or stolen card: Your credit card is issued by UBS Bank USA. If pay your account online. Payments made on our website by 6:00 p.m. your card is lost or stolen, please contact us immediately at Eastern time will be credited to your account that same day. Available 1-800-762-1000 at any time. You will not be liable for any only for cardholders with a UBS Resource Management Account unauthorized use that occurs after you notify us. You may, however, be (RMA(g) or UBS Business Services Account BSA 110. liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed 550. 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. Payment Information: Each billing cycle, you must pay at least the Eastern time will be credited to your account that same day, and Minimum Payment Due shown on your monthly statement by its reflected in your credit line by the next day. You can also make a Payment Due Date. Both the Minimum Payment Due and Payment Due phone payment from your UBS account as late as 6:00 p.m. Eastern Date are noted on your statement. At any time you may pay more than time. This payment will be credited as of that same day, but application the Minimum Payment Due up to the full amount you owe us, however to your credit line may be delayed. you cannot "pay ahead". This means that if you pay more than the 8 required Minimum Payment Due in any billing cycle or if you make more Overnight payments: Send overnight courier service or USPS Prionty than one payment in a billing cycle, you will still need to pay the next Mail payments to UBS Bank USA--Card Services, 2975 Regent month's required Minimum Payment Due by your next Payment Due Boulevard, P.O. Box 203219, Irving: TX 75063. A payment received at Date. Remember to make all checks payable to Card Services. Please this address by 5:00 p.m. Central time that otherwise meets the 8 allow 7 days for the U.S. Postal Service to deliver your payment requirements of a conforming payment will be credited to your account 8 to us. Upon our receipt, your available credit may not be that same day. increased by the payment amount for up to 7 days to ensure 8 the funds from the bank on which yes payment Is drawn are Arsternatfc repayment of cash advances through CashConnect collected and not returned. V.,,Ien you provide a check as payment The CashConnect feature on your UBS credit card account will on this Account, you autnonze us to either use the information from automatically repay new Cash Advances obtained from ATMs and your check to make a one-time electronic fund transfer from your financial institutions (CashConnect Cash Advances), each night, with account a to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, available funds from your UBS Resource Management Account funds may be withdrawn from your account as soon as the same day (IIMA'Ig a your UBS Business Services Account BSA ®(either referred to we receive your payment, and you will not receive your check back as your UBS Account). You will incur no interest charges on from your financial institution. For inquiries please call 1-800-762-1000. CashConnect Cash Advances: as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance Moiled payments: A conforming payment received by us by 5:00 transaction in full when we first seek payment from your UBS Account. p.m. Central time will be credited to your account the day of receipt. A If sufficient available funds are not available in your UBS Account to pay "conforming payment" is a payment that: 1) is mailed using the off your CashConnect Cash Advances balance in full, then the APR for enclosed envelope and payment coupon included with this statement to Cash Advances will apply as of the original transaction date on any UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210 remaining balance. You will be charged the APR on Cash Advances on and 2) is in the form of a single, non-folded check or money order made your remaining CashConnect Cash Advance balance until it is repaid in payable in US dollars from a US based institution. Any payment that full. Applicable ATM surcharge fees may apply. No other account does not meet these requirements, or any payment with multiple checks balances are paid through the CashConnect feature. If you choose not or money orders, additional correspondence, staples, paperclips, etc. to participate in the CashConnect feature, please contact UBS at will be considered a "non-conforming payment" which may delay the I-800-762-1000. Available only for cardholders with a UBS Resource crediting of the payment for up to 5 days. We can accept late Management Account or UBS Business Services Account BSA. payments, partial payments, checks and money orders marked "Paid in Full" or language having the same effect without losing any of our Accrual of Interest and hew to avoid paying Interest en rights under this Agreement, and such payments may be sent to the parclunes. following address: UBS Bank USA—Card Services, P.O. Box 203219, Your due date is at least 23 days after the close of each billing cycle. On Dallas, TX 75320-3210. Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance that was shown on your Other payment options: previous billing statement by the Payment Due Date on that statement, Online: Visit ubs.comlonlineservices to sign up for Pay Credit Card to then (I) we will not impose interest on Purchases during your current Continued on back of next page SDNY_GM_00008876 CONFIDENTIAL EFTA01596798 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 fa GHISLAMIE MAXWELL - Card ending Date Desointim Amount Payments 08/18 PAYMENT THANK YOU -$95.68 Total Payments Activity -$95.68 Summary of Fees and Interest Interest Charged Date Description Amount 08/26 INTEREST CHARGE-RAC HASE< Total Yd for this period S2.87 2014 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged 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 Interest Rate RATE (APR) Charge PURCHASES 5255.22 13.24% fv) $227 BALANCE TRANSFERS $0.00 13.24% M $0.00 CASH ADVANCES $0.00 21.99% (v) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate 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. SONY_GM_00005577 CONFIDENTIAL EFTA01596799 Page 4 of 6 billing penod if you pay the Statement Balance on the current billing In your letter, give us the • ng information: statement by the Payment Due Date in the current billing period, and Account Information: Your name and account number. (2) vie will credit any payment applied toward Purchases as of the first Dollar amount: • dr amount of the suspected error. day in your current billing penod if you make a payment by the Payment Description of problem: If you think there is an error on your Due Date in the current billing period that is less than the Statement ces:rthe •eakit you oel.ee is wrong and why you believe it is a Balance. If a Statement Balance was shown on your previous billing mistake. You must contact us within 60 days after the error appeared statement and you did not pay the Statement Balance by the Payment on your statement. Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the You must notify us of any potential errors la limiting. You may call us, Statement Balance shown on the current billing statement by the but if you do we are not required to investigate any potential errors and Payment Due Date in the current billing period. For Balance Transfers, you may have to pay the amount in question. interest will accrue from the day we send the Balance Transfer to the While we investigate whether or not there has been an error, the 8 payee. For Checks, interest will accrue from the day the payee accepts following are true: the check. For Cash Advances, interest will accrue from the day you We cannot try to collect the amount in question, or report you as 8 take the Cash Advance. delinquent on that amount. The charge in question may remain on your statement, and we How we will calculate your balance subject to Interest rate. may continue to charge you interest on that amount. But, if we We use a method called -daily balance' (includny new purchases). To determine that we made a mistake, you will not have to pay the 8 determine the amount of the interest to be charged on your Account amount in question a any interest or other fees related to that 8 8 we first calculate the "Balance Subject to Interest Rate" separately for amount. 8 Purchases, for Balance Transfers, and for Cash Advances. We apply the While you do not have to pay the amount in question, you are applicable Daily Periodic Rate (the DPR) (the DPR for each category is responsible for the remainder of your balance. the applicable APR shown on the front of the statement dmded by We can apply any unpaid amount against your credit limit. 365), to each of the applicable daily balances for i) Purchases, Balance Transfers and iii) Cash Advances. The daily balances fa Von rights if you are dissatisfied with yew credit card Purchases, for Balance Transfers and for Cash Advances are each packases calculated separately and determined as follows: We take the beginning If you are dissatisfied with the goods or services that you have balances for each transaction type on your Account each day, including purchased with your credit card, and you have tried in good faith to any interest calculated on the previous day's balance, add to the correct the problem with the merchant you may have the right not to respective balances any new transaction, subtract any payments or pay the remaining amount due on the purchase. To use this right, all of credits and make any other applicable adjustment(s). Your Cardmember the following must be true: Agreement provides for compounding of interest. A credit balance is I. The purchase must have been made in your home state or within treated as a balance of zero. If you multiply the "Balance Subject to 100 miles of your current mailing address, and the purchase price Interest Rate for each balance category as shown on your monthly must have been more than S50. (Note: Neither of these are billing statement by the number of days in the billing penod and then necessary if your purchase was based on an advertisement we multiply each sum by the applicable DPR, the results will be the interest mailed to you, or if we own the company that sold you the goods assessed, except for mince variations caused by rounding. or services.) 2. You must have used your credit card for the purchase. Purchases Credit bureau reports and disputes: We may report information made with cash advances from an ATM or with a check that about your account to credit bureaus. Late payments, missed accesses your credit card account do not qualify. payments, or other defaults on your account may be reflected in your 3. You must not yet have fully paid for the purchase. credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau If all of the criteria above are met and you are still dissatisfied with the directly or contact us at UBS Bank USA, Card Operations Division, 1000 purchase, contact us lea writing at: Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request UBS Bank USA—Disputes Department your name; your account number; the credit bureau where you received P.O. Box 84040 the credit report; a descnption of the error; and why you believe it is an Columbus, GA 31908 error. We will promptly investigate, notify you of our findings, and send While we investigate, the same rules apply to the disputed amount as an update to the credit bureaus if warranted within 30 days. 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 Mat to do If you think you find a 'mistake en yaw statement pay, we may report you as delinquent. If you think there is an error on your statement write to us at: UBS Bank USA—Card Operations Denson Please refer to your Cardmember Agreement for additional information 1000 Harbor Boulevard, 8th Floor about the terms of your Account. Weehawken, NJ 07086 C2011 UBS Bank USA SDNY_GM_00008878 CONFIDENTIAL EFTA01596800 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 S35 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 U8S 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 51O.O0 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, N1 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. SDNY_GM_00008879 CONFIDENTIAL EFTA01596801 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. 8 SDNY_GM_000088)30 CONFIDENTIAL EFTA01596802 SUBS Statement Pilling Period: Payment Due Date Minimum Payment Due 06/27/14 - 07/26/14 August 23, 2014 515.00 UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXS1466= Page 1 of 4 Customer News Primary Card Number Encing Questions? Call 1-800-762-1000 ubs.conVonaneservices Pay Credit Card reminder Account Summary Activity Summary Your payment in the amount of Minimum Payment Due $15.00 Previous Balance $175.47 $9 5.6 8 is scheduled to be paid on Paymen 8/1 871 4 from your UBS Account. C ?J ll Line 13.5.000.00 I + Purchases $198.50 I Thank you. Available Credit Line 534,71 Cash Credit Line S 14,000.00 I Available Cash Line $14,007141 + Fees 50.00 Make lite easier while earning Past Due Amount 50.00 + Interest rewards: Overlimit Amount $0.00 Statement Balance 5281.50 Set up your recurring monthly bills for automatic payment with your Payment Information* UBS Visa Signature credit card. Not Statement Balance $281.50 only will you earn rewards for each Minimum Payment Due $15.00 dollar spent. you'll have the Payment Due Date 08/23/2014 convenience of writing fewer checks since your payments are Late Payment Warning: If we do not receive your minimum payment by the date listed above, you automatically made with your card. may have to pay a late fee up to S35.00 and your APRs may be increased to the Penalty APR of Simply contact your providers to get 27.24%. started. 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 bale 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 1-800-762-1000. 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.comtonlineservices. Detach here. Please e c necks payable to 'UBS Card Servicef 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 UBS Card Number Ending in Minimum Payment Due Statement Balance $15.00 $281.50 NIP COLUMBUS GA 31908.4040 Payment Due Date August 23, 2014 You are enrolled in Automated Pay Credit Card. Send paym ants io: GHISLAINE MAXWELL UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 SDNY_GM_00008881 CONFIDENIAL 0000001500 0 EFTA01596803 Important Infonnetion Lest or stolen card: Your credit card is issued by UBS Bank USA. If pay your account online. Payments made on our website by 6:00 p.m. your card is lost or stolen, please contact us immediately at Eastern time will be credited to your account that same day. Available 1-800-762-1000 at any time. You will not be liable for any only for cardholders with a UBS Resource Management Account unauthorized use that occurs after you notify us. You may, however, be (RMA(g) or UBS Business Services Account BSA 110. liable for unauthonzed use that occurs before your notice to us. In any case, your liability will not exceed 550. Pay by phone: To make a payment by phone please call I-800-762-1000. An expedited payment made by phone by 5:00 p.m. Payment Information: Each billing cycle, you must pay at least the Eastern time will be credited to your account that same day, and Minimum Payment Due shown on your monthly statement by its reflected in your credit line by the next day. You can also make a Payment Due Date. Both the Minimum Payment Due and Payment Due phone payment from your UBS account as late as 6:00 p.m. Eastern Date are noted on your statement. At any time you may pay more than time. This payment will be credited as of that same day, but application the Minimum Payment Due up to the full amount you owe us, however to your credit line may be delayed. you cannot "pay ahead". This means that if you pay more than the 8 required Minimum Payment Due in any billing cycle or if you make more Overnight payments: Send overnight courier service or USPS Prionty than one payment in a billing cycle, you will still need to pay the next Mail payments to UBS Bank USA--Card Services, 2975 Regent month's required Minimum Payment Due by your next Payment Due Boulevard, P.O. Box 203219, Irving, TX 75063. A payment received at Date. Remember to make all checks payable to Card Services. Please this address by 5:00 p.m. Central time that otherwise meets the allow 7 days for the U.S. Postal Service to deliver your payment requirements of a conforming payment will be credited to your account 8 to us. Upon our receipt, your available credit may not be 8 that same day. increased by the payment amount for up to 7 days to ensure 8 the funds from the bank on which year payment Is drawn are 0 *retrainee repayment of cash advances through CashCoanect collected and not returned. ti; Bien you provide a check as payment The CashConnect feature on your UBS credit card account will on this Account, you auttionze us to either use the information from automatically repay new Cash Advances obtained from ATMs and your check to make a one-lime electronic fund transfer from your financial institutions (CashConnect Cash Advances), each night, with account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, available funds from your UBS Resource Management Account funds may be withdrawn from your account as soon as the same day (RMA(1) or your UBS Business Services Account BSA ®(either referred to we receive your payment, and you will not receive your check back as your UBS Account). You will incur no interest charges on from your financial institution. For inquiries please call 1-800-762-1000. CashConnect Cash Advances, as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance Moiled payments: A conforming payment received by us by 5:00 transaction in full when we first seek payment from your UBS Account. p.m. Central time will be credited to your account the day of receipt. A If sufficient available funds are not available in your UBS Account to pay "conforming payment" is a payment that: 1) is mailed using the off your CashConnect Cash Advances balance in full, then the APR for enclosed envelope and payment coupon included with this statement to Cash Advances will apply as of the original transaction date on any UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210 remaining balance. You will be charged the APR on Cash Advances on and 2) is in the form of a single, non-folded check or money order made your remaining CashConnect Cash Advance balance until it is repaid in payable in US dollars from a US based institution. Any payment that full. Applicable ATM surcharge fees may apply. No other account does not meet these requirements, or any payment with multiple checks balances are paid through the CashConnect feature. If you choose not or money orders, additional correspondence, staples, paperclips, etc. to participate in the CashConnect feature, please contact UBS at will be considered a "non-conforming payment" which may delay the 1-800-762-1000. Available only for cardholders with a U85 Resource crediting of the payment for up to 5 days. We can accept late Management Account or UBS Business Services Account BSA. payments, partial payments, checks and money orders marked "Paid in Full" or language having the same effect without losing any of our Accrual of Interest and hew to avoid paying Interest en rights under this Agreement, and such payments may be sent to the parclinses. following address: UBS Bank USA—Card Services, P.O. Box 203219, Your due date is at least 23 days after the close of each billing cycle. On Dallas, TX 75320-3210. Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance that was shown on your Other payment options: previous billing statement by the Payment Due Date on that statement, Online: Visit ubs.comlonlineservices to sign up for Pay Credit Card to then (1) we will not impose interest on Purchases during your current Continued on back of next page SDNY_GM_00008882 CONFIDENTIAL EFTA01596804 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 la GH1SlAlNE MAXWELL - Card ending in Date Desoipticn Amount Payments 07/18 PAYMENT THANK YOU -595.68 Total Payments Activity -S9S.68 Purchases 07/02 JIM MU DOG SHOWS LTD 610-376-1880 PA 5126.00 07/10 ESPA CORP NEW YORK NY $59.50 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 CRAKE! HASES 53.21 total Interest for this period 2014 Totals Year-to-Date Summary of Fees and Interest Iota) Fees Charged in 2014 50.00 Total Interest Charged in 2014 55.07 Interest Charge Calculation - 30 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $294.31 13.24% (v) $3.21 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES $0.00 21.99% (v) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate SDNY_GM_00008883 CONFIDENTIAL EFTA01596805 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing In your letter, give us the • ng information: statement by the Payment Due Date in the current billing period, and Account Information: Your name and account number. (2) vie will credit any payment applied toward Purchases as of the first Dollar amount: • ar amount of the suspected error. day in your current billing penod if you make a payment by the Payment Description of problem: If you think there is an error on your Due Date in the current billing period that is less than the Statement cesythe rvaat you oel.ee is wrong and why you believe it is a Balance. If a Statement Balance was shown on your previous billing mistake. You must contact us within 60 days after the error appeared statement and you did not pay the Statement Balance by the Payment on your statement. Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the You must notify us of any potential errors is teirsidnee. You may call us, Statement Balance shown on the current billing statement by the but if you do we are not required to investigate any potential errors and Payment Due Date in the current billing period. For Balance Transfers, interest will accrue from the day we send the Balance Transfer to the you may have to pay the amount in question. While we investigate whether or not there has been an error, the a payee. For Checks, interest will accrue from the day the payee accepts the check. For Cash Advances, interest will accrue from the day you following are true: We cannot try to collect the amount in question, or report you as a take the Cash Advance. delinquent on that amount. The charge in question may remain on your statement, and we How we will calculate your balance subject to interest rate. may continue to charge you interest on that amount. But, if we We use a method called "daily balance' (includtny new purchases). To determine that we made a mistake, you will not have to pay the determine the amount of the interest to be charged on your Account amount in question a any interest or other fees related to that we first calculate the "Balance Subject to Interest Rate" separately for amount. 8 Purchases, for Balance Transfers, and for Cash Advances. We apply the While you do not have to pay the amount in question, you are applicable Daily Periodic Rate (the DPR) (the DPR for each category is responsible for the remainder of your balance. the applicable APR shown on the front of the statement droded by We can apply any unpaid amount against your credit limit. 365), to each of the applicable daily balances for i) Purchases, Balance Transfers and iii) Cash Advances. The daily balances foe Von rights if you are dissatisfied with yew credit card Purchases, for Balance Transfers and for Cash Advances are each pines calculated separately and determined as follows: We take the beginning If you are dissatisfied with the goods or services that you have balances for each transaction type on your Account each day, including purchased with your credit card, and you have tried in good faith to any interest calculated on the previous day's balance, add to the correct the problem with the merchant, you may have the right not to respective balances any new transaction, subtract any payments or pay the remaining amount due on the purchase. To use this right, all of credits and make any other applicable adjustment(s). Your Cardmember the following must be true: Agreement provides for compounding of interest. A credit balance is I. The purchase must have been made in your home state or within treated as a balance of zero. If you multiply the "Balance Subject to 100 miles of your current mailing address, and the purchase price Interest Rate" for each balance category as shown on your monthly must have been more than S50. (Note: Neither of these are billing statement by the number of days in the billing penod and then necessary if your purchase was based on an advertisement we multiply each sum by the applicable DPR, the results will be the interest mailed to you, or if we own the company that sold you the goods assessed, except for mince variations caused by rounding. or services.) 2. You must have used your credit card for the purchase. Purchases Credit bureau reports and disputes: We may report information made with cash advances from an ATM or with a check that about your account to credit bureaus. Late payments, missed accesses your credit card account do not qualify. payments, or other defaults on your account may be reflected in your 3. You must not yet have fully paid for the purchase. credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau If all of the criteria above are met and you are still dissatisfied with the directly or contact us at UBS Bank USA, Card Operations Division, 1000 purchase, contact us is willing at: Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request UBS Bank USA--Disputes Department your name; your account number; the credit bureau where you received P.O. Box 84040 the credit report; a descnption of the error; and why you believe it is an Columbus, GA 31908 error. We will promptly investigate, notify you of our findings, and send While we investigate, the same rules apply to the disputed amount as an update to the credit bureaus if warranted within 30 days. 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 Wbat to do If you think you find a 'mistake on year statesman pay, we may report you as delinquent. If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Denson Please refer to your Cardmember Agreement for additional information 1000 Harbor Boulevard, 8th Floor about the terms of your Account. Weehawken, NJ 07086 C2011 UBS Bank USA SDNY_GM_00008884 CONFIDENTIAL EFTA01596806 SUBS Statement Bilhng Period: Payment Due Date Minimum Payment Due 05/27/14 - 06/26/14 July 23. 2014 535.00 UBS Visa Signature® credit card statement Prepared for: GHISUUNE MAXWELL Page 1 of 4 Customer News Primary Card Number Ending in: Questions? Call 1-800-762-1000 ubs.corn/onineservices Pay Credit Card reminder Account Summary Activity Summary Your payment in the amount of Minimum Payment Due $35.00 I Previous Balance $248.99 $95.68 is scheduled to be paid on 'PaymentDue Date Will — 7'2" "'-I 7/18/1 4 from your UBS Account. Credit Line $35,000.00 + Purchases $20.30 I Thank you. Available Credit Line $34,824.53 Cad, Credit Line $14,000.00 Available Cash. Ling $14,000.00 + Fees Past Due Amount S0D0 I Statement Balance $17547 Payment Information* Statement Balance 4175.47 Minimum Payment Due $35.00 Payment Due Date 07/23/2014 Late P4nnnt Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of 27.24%. Minimum Payment Waming: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charg You will pay off the balance And you will end up paying the wising this card and each month. shown on this statement in estimated total of... 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.dfs.ny.gov Repayment information is based on your account activity and the APRs on your account as of the closing date of this statement. Account activity after the closing date is not reflected. To view your most recent transaction activity online, go to ubs.com/onlineservices. Detach here. Please make checks payable to • MIS 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 UBS Card Number Ending in Minimum Payment Due Statement Balance $35.00 $175.47 COLUMBUS GA 31908.4040 Payment Due Date July 23, 2014 You are enrolled in Automated Pay Credit Card. Send payments to: GHISLAINE MAXWELL UBS BANK USA • CARD SERVICES PO BOX 203219 DALLAS DC 75320.3219 SDNY_GM_00008885 CO N F I EIENTIAL 0000003500 0 EFTA01596807 Important Informotion Lost or stolen mod: Your credit card is issued by UBS Bank USA. If pay your account online. Payments made on our website by 6:00 p.m. your card is lost or stolen, please contact in immediately at Eastern time will be credited to your account that same day. Available 1-800-762-1000 at any time. You will not be liable for any only for cardholders with a UBS Resource Management Account unauthorized use that occurs after you notify us. You may, however, be (RMAI ) or UBS Business Services Account BSA 110. liable for unauthonzed use that occurs before your notice to us. In any case, your liability will not exceed 550. Pay by phone: To make a payment by phone please call l-800-762-1000. An expedited payment made by phone by 5:00 p.m. Payee's! Information: Each billing cycle, you must pay at least the Eastern time will be credited to your account that same day, and Minimum Payment Due shown on your monthly statement by its reflected in your credit line by the next day. You can also make a Payment Due Date. Both the Minimum Payment Due and Payment Due a phone payment from your UBS account as late as 6:00 p.m. Eastern Date are noted on your statement. At any time you may pay more than time. This payment will be credited as of that same day, but application S the Minimum Payment Due up to the full amount you ewe us, however to your credit line may be delayed. 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 Overnight payments: Send overnight courier service a USPS Prionty § Mail payments to UBS Bank USA-Card Services, 2975 Regent S month's required Minimum Payment Due by your next Payment Due Boulevard, P.O. Box 203219, Irving, TX 75063. A payment received at Date. Remember to make all checks payable to Card Services. Please this address by 5:00 p.m. Central time that otherwise meets the allow 7 days for the U.S. Postal Service to deliver your payment requirements of a conforming payment will be credited to your account to us. Upon our receipt, your available credit may not be that same day. increased by the payment amount for up to 7 days to ensure the funds from the bank on which yore payment Is drawn are Aretwesaffc repayment of cash advances through Cashreanect collected and not returned. ti; Bien you provide a check as payment The CashConnect feature on your UBS credit card account will on this Account, you auttionze us to either use the information from automatically repay new Cash Advances obtained from ATMs and your check to make a one-time electronic fund transfer from your financial institutions (CashConnect Cash Advances), each night, with account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, available funds from your UBS Resource Management Account funds may be withdrawn from your account as soon as the same day (RMA or your UBS Business Services Account BSA ®(either referred to we receive your payment, and you will not receive your check back as your UBS Account). You will incur no interest charges on from your financial institution. For inquiries please call 1-800-762-1000. CashConnect Cash Advances, as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance Moiled payments: A conforming payment received by us by 5:00 transaction in full when we first seek payment from your UBS Account. p.m. Central time will be credited to your account the day of receipt. A If sufficient available funds are not available in your UBS Account to pay "conforming payment" is a payment that: 1) is mailed using the off your CashConnect Cash Advances balance in full, then the APR for enclosed envelope and payment coupon included with this statement to Cash Advances will apply as of the original transaction date on any UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210 remaining balance. You will be charged the APR on Cash Advances on and 2) is in the form of a single, non-folded check or money order made your remaining CashConnect Cash Advance balance until it is repaid in payable in US dollars from a US based institution. Any payment that full. Applicable ATM surcharge fees may apply. No other account does not meet these requirements, or any payment with multiple checks balances are paid through the CashConnect feature. If you choose not or money orders, additional correspondence, staples, paperclips, etc. to participate in the CashConnect feature, please contact UBS at will be considered a "non-conforming payment" which may delay the 1-800-762-1000. Available only for cardholders with a U85 Resource crediting of the payment for up to 5 days. We can accept late Management Account or UBS Business Services Account BSA. payments, partial payments, checks and money orders marked "Paid in Full" or language having the same effect without losing any of our Accrual of Interest and hew to avoid paying Interest en rights under this Agreement, and such payments may be sent to the purchases. following address: UBS Bank USA—Card Services, P.O. Box 203219, Your due date is at least 23 days after the close of each billing cycle. On Dallas, TX 75320-3210. Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance that was shown on your Other payment options: previous billing statement by the Payment Due Date on that statement, Online: Visit ubs.comlonlineservices to sign up for Pay Credit Card to then (I) we will not impose interest on Purchases during your current Continued on back of next page SDNY_GM_00008886 CONFIDENTIAL EFTA01596808 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 fa GHISLAINE MAXWELL - Card ending n' Date Descriatal Account Payments 06/18 PAYMENT THANK YOU -$968 Total Payment Activity 495.68 Purchases 05/29 ESPA CORP NEW YORK NY $10.50 06/24 LE PAIN QUOTIDIEN NEW YORK NY $9.80 Total Purchases Activity $20.30 Summa of Fees and Interest Interest Charged Date Description Amount 06/26 INTEREST CHARGE-PURCHASES $1.86 $1.86 I Total Fees Charged in 2014 $0.00 Total Interest Charged in 2014 $1.86 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $164.96 13.24% (v) 11 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. SDNY_GM_00008887 CONFIDENTIAL EFTA01596809 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing In your letter, give us thu • ng information: statement by the Payment Due Date in the current billing period, and Account Information: Your name and account number. (2) kw will credit any payment applied toward Purchases as of the first Dollar amount: • ar amount of the suspected error. day in your current billing penod if you make a payment by the Payment Description of problem: If you think there is an error on your Due Date in the current billing period that is less than the Statement ces:rthe •ealat you oel.ee is wrong and why you believe it is a Balance. If a Statement Balance was shown on your previous billing mistake. You must contact us within 60 days after the error appeared statement and you did not pay the Statement Balance by the Payment on your statement. Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the You must notify us of any potential errors is %galling. You may call us, Statement Balance shown on the current billing statement by the but if you do we are not required to investigate any potential errors and Payment Due Date in the current billing period. For Balance Transfers, you may have to pay the amount in question. interest will accrue from the day we send the Balance Transfer to the While we investigate whether or not there has been an error, the payee. For Checks, interest will accrue from the day the payee accepts following are true: the check. For Cash Advances, interest will accrue from the day you We cannot try to collect the amount in question, or report you as take the Cash Advance. delinquent on that amount. S The charge in question may remain on your statement, and we z How we will calculate your balance subject to interest rate. may continue to charge you interest on that amount. But, if we We use a method called "daily balance' (includny new purchases). To determine that we made a mistake, you will not have to pay the determine the amount of the interest to be charged on your Account amount in question or any interest or other fees related to that S we first calculate the "Balance Subject to Interest Rate" separately for amount. 8 Purchases, for Balance Transfers, and for Cash Advances. We apply the While you do not have to pay the amount in question, you are applicable Daily Periodic Rate (the DPR) (the DPR for each category is responsible for the remainder of your balance. the applicable APR shown on the front of the statement dmded by We can apply any unpaid amount against your credit limit. 365), to each of the applicable daily balances for 4 Purchases, Balance Transfers and iii) Cash Advances. The daily balances for Veer rights If you are dissatisfied with yew credk card Purchases, for Balance Transfers and for Cash Advances are each pines calculated separately and determined as follows: We take the beginning If you are dissatisfied with the goods or services that you have balances for each transaction type on your Account each day, including purchased with your credit card, and you have tried in good faith to any interest calculated on the previous day's balance, add to the correct the problem with the merchant, you may have the right not to respective balances any new transaction, subtract any payments or pay the remaining amount due on the purchase. To use this right, all of credits and make any other applicable adjustment(s). Your Cardmember the following must be true: Agreement provides for compounding of interest. A credit balance is I. The purchase must have been made in your home state or within treated as a balance of zero. If you multiply the "Balance Subject to 100 miles of your current mailing address, and the purchase price Interest Rate for each balance category as shown on your monthly must have been more than S50. (Note: Neither of these are billing statement by the number of days in the billing penod and then necessary if your purchase was based on an advertisement we multiply each sum by the applicable DPR, the results will be the interest mailed to you, or if we own the company that sold you the goods assessed, except for minor variations caused by rounding. or services.) 2. You must have used your credit card for the purchase. Purchases Oedk bureau reports and disputes: We may report information made with cash advances from an ATM or with a check that about your account to credit bureaus. Late payments, missed accesses your credit card account do not qualify. payments, or other defaults on your account may be reflected in your 3. You must not yet have fully paid for the purchase. credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau If all of the criteria above are met and you are still dissatisfied with the directly or contact us at UBS Bank USA, Card Operations Division, 1000 purchase, contact us is welling at: Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request UBS Bank USA--Disputes Department your name; your account number; the credit bureau where you received P.O. Box 84040 the credit report; a descnption of the error; and why you believe it is an Columbus, GA 31908 error. We will promptly investigate, notify you of our findings, and send While we investigate, the same rules apply to the disputed amount as an update to the credit bureaus if warranted within 30 days. 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 Mat to do If you Obeli you flood a 'mistake an yaw 'tetanal pay, we may report you as delinquent. If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Denson Please refer to your Cardmember Agreement for additional information 1000 Harbor Boulevard, 8th Floor about the terms of your Account. Weehawken, NJ 07086 O2011 UBS Bank USA SDNY_GM_00008888 CONFIDENTIAL EFTA01596810 SUBS Statement Billing Period: Payment Due Date Minimum Payment Due 00/27/14 - 05/26/14 lune 23, 2014 $15.00 UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Page 1 of 4 Customer News Primary Card Number Encfrig Questions/ Call 1-800-762-1000 ubs.corn/oninesenrices Pay Credit Card reminder Account Summary Activity Summary Your payment in the amount of Minimum Payment Due 315.00 Previous Balance $98.42 I $95.68 is scheduled to be paid on Paymen iue a, 6/18/1 4 from your UBS Account. C .e(Lt Line $35,000.00 + Purchases $246.25 Thank you. Available Th Credit Lir l l dld Credit Line $14,000.00 UBS Visa Signature credit card <lien have access to a range of roadside i Available Cash Line Past Due Amount WE= $0.00 + Fees + interest services and towing assistance, Overlimit Amount $0.00 Statement Balance $248.99 including the following roadside emergencies (up to $50 per event): Payment Information* Flat tires Statement Balance $248.99 Minimum Payment Due $15.00 Dead batteries Payment Due Date 06/23/2014 Mechanical breakdowns Running out of gas Late Payment Warning: If we do not receive your minimum payment by the date listed above, you Lockouts may have to pay a late fee up to S35.00 and your APRs may be increased to the Penalty APR of 27.24%. All benefits are subject to Minimum Payment Warning: If you make only the minimum payment each period, you will pay more limitations. Please see the in interest and it will take you longer to pay off your balance. Terms and Conditions For Instance available at ubs.com/uscard If you make no additional charges You will pay off the balance And you will end up paying the wising this card and each month shown on this statement in for more details. estimated total of... u pay about... 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 HS Bank USA is I-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 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/onlineseivices. Detach here. P,ease make cn s payab!e 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 UBS Card Number Ending in Minimum Payment Due Statement Balance $15.00 $248.99 COLUMBUS GA 31908.4040 Payment Due Date June 23, 2014 You are enrolled in Automated Pay Credit Card. Send payments to: GHISLAINE MAXWELL UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 SDNY_GM_00008889 CONF DENIAL I 0 00 OD 0 1 SH 0 EFTA01596811 Important Informotion Lest or stolen card: Your credit card is issued by UBS Bank USA. If pay your account online. Payments made on our website by 6:00 p.m. your card is lost or stolen, please contact us immediately at Eastern time will be credited to your account that same day. Available 1-800-762-1000 at any time. You will not be liable for any only for cardholders with a UBS Resource Management Account unauthorized use that occurs after you notify us. You may, however, be (RMAea) or UBS Business Services Account BSA 110. liable for unauthonzed use that occurs before your notice to us. In any case, your liability will not exceed 550. Pay by phone: To make a payment by phone please call I-800-762-1000. An expedited payment made by phone by 5:00 p.m. Payee's! Information: Each billing cycle, you must pay at least the Eastern time will be credited to your account that same day, and Minimum Payment Due shown on your monthly statement by its reflected in your credit line by the next day. You can also make a Payment Due Date. Both the Minimum Payment Due and Payment Due phone payment from your UBS account as late as 6:00 p.m. Eastern Date are noted on your statement. At any time you may pay more than time. This payment will be credited as of that same day, but application S the Minimum Payment Due up to the full amount you owe us, however to your credit line may be delayed. you cannot "pay ahead". This means that if you pay more than the 8 required Minimum Payment Due in any billing cyde or if you make more Overnight payments: Send overnight courier service or USPS Prionty § than one payment in a billing cycle, you will still need to pay the next Mail payments to UBS Bank USA--Card Services, 2975 Regent month's required Minimum Payment Due by your next Payment Due Boulevard, P.O. Box 203219, Irving, TX 75063. A payment received at Date. Remember to make all checks payable to Card Services. Please this address by 5:00 p.m. Central time that °themes@ meets the allow 7 days for the U.S. Postal Service to deliver your payment requirements of a conforming payment will be credited to your account to us. Upon our receipt, your available credit may not be 8 that same day. increased by the payment amount for up to 7 days to ensure the funds from the bank on which parr payment Is drawn are 0 *retrainee repayment of cash advances through CashConnect collected and not returned. When you provide a check as payment The CashConnect feature on your UBS credit card account will on this Account, you autrionze us to either use the information from automatically repay new Cash Advances obtained from ATMs and your check to make a one-time electronic fund transfer from your financial institutions (CashConnect Cash Advances), each night, with account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, available funds from your UBS Resource Management Account funds may be withdrawn from your account as soon as the same day IRMA or your UBS Business Services Account BSA ®(either referred to we receive your payment, and you will not receive your check back as your UBS Account). You will incur no interest charges on from your financial institution. For inquiries please call 1-800-762-1000. CashConnect Cash Advances, as long as there are sufficient available funds in your UBS Account to repay your CashConnect Cash Advance Moiled payments: A conforming payment received by us by 5:00 transaction in full when we first seek payment from your UBS Account. p.m. Central time will be credited to your account the day of receipt. A If sufficient available funds are not available in your UBS Account to pay "conforming payment" is a payment that: 1) is mailed using the off your CashConnect Cash Advances balance in full, then the APR for enclosed envelope and payment coupon included with this statement to Cash Advances will apply as of the original transaction date on any UBS Bank USA—Card Services, P.O. Box 203219, Dallas, TX 75320-3210 remaining balance. You will be charged the APR on Cash Advances on and 2) is in the form of a single, non-folded check or money order made your remaining CashConnect Cash Advance balance until it is repaid in payable in US dollars from a US based institution. Any payment that full. Applicable ATM surcharge fees may apply. No other account does not meet these requirements, or any payment with multiple checks balances are paid through the CashConnect feature. If you choose not or money orders, additional correspondence, staples, paperclips, etc. to participate in the CashConnect feature, please contact UBS at will be considered a "non-conforming payment" which may delay the I-800-762-1000. Available only for cardholders with a U85 Resource crediting of the payment for up to 5 days. We can accept late Management Account or UBS Business Services Account BSA. payments, partial payments, checks and money orders marked "Paid in Full" or language having the same effect without losing any of our Accrual of Interest and hew to avoid paying Interest en rights under this Agreement, and such payments may be sent to the purchases. following address: UBS Bank USA—Card Services, P.O. Box 203219, Your due date is at least 23 days after the close of each billing cycle. On Dallas, TX 75320-3210. Purchases, interest begins to accrue as of the transaction date. However, if you paid the Statement Balance that was shown on your Other payment options: previous billing statement by the Payment Due Date on that statement, Online: Visit ubs.comlonlineservices to sign up for Pay Credit Card to then (I) we will not impose interest on Purchases during your current Continued on back of next page SDNY_GM_00008890 CONFIDENTIAL EFTA01596812 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 en*g Date Desoipticn Arrouni Payments 05/16 PAYMENT THANK YOU -$9968 Total Payments Activity -595.68 Purchases 04/26 ESPA CORP NEW YORK NY 537.00 05/06 ESPA CORP NEW YORK NY $10.50 05/06 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 $246.25 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 Interest Charge Calculation - 30 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $0.00 13.24% (v) $0.00 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES $0.00 21.99% (v) $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate SDNY_GM_00008891 CONFIDENTIAL EFTA01596813 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing In your letter, give us the • ng information: statement by the Payment Due Date in the current billing period, and Account Information: Your name and account number. (2) vie will credit any payment applied toward Purchases as of the first Dollar amount: • dr amount of the suspected error. day in your current billing penod if you make a payment by the Payment Description of problem: If you think there is an error on your Due Date in the current billing period that is less than the Statement ces:rthe •e.kit you oel.ee is wrong and why you believe it is a Balance. If a Statement Balance was shown on your previous billing mistake. You must contact us within 60 days after the error appeared statement and you did not pay the Statement Balance by the Payment on your statement. Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the You must notify us of any potential errors be smiting. You may call us, Statement Balance shown on the current billing statement by the but if you do we are not required to investigate any potential errors and Payment Due Date in the current billing period. For Balance Transfers, you may have to pay the amount in question. 8 interest will accrue from the day we send the Balance Transfer to the While we investigate whether or not there has been an error, the 8 payee. For Checks, interest will accrue from the day the payee accepts following are true: the check. For Cash Advances, interest will accrue from the day you We cannot try to collect the amount in question, or report you as take the Cash Advance. delinquent on that amount. The charge in question may remain on your statement, and we How we will calculate your balance subject to Interest rate. may continue to charge you interest on that amount. But, if we We use a method called "daily balance' (including new purchases). To determine that we made a mistake, you will not have to pay the determine the amount of the interest to be charged on your Account amount in question a any interest or other fees related to that we first calculate the "Balance Subject to Interest Rate" separately for amount. Purchases, for Balance Transfers, and for Cash Advances. We apply the While you do not have to pay the amount in question, you are applicable Daily Periodic Rate (the DPR) (the DPR for each category is responsible for the remainder of your balance. the applicable APR shown on the front of the statement dmded by We can apply any unpaid amount against your credit limit. 365), to each of the applicable daily balances for 4 Purchases, Balance Transfers and iii) Cash Advances. The daily balances fa Von rights If you are dissatisfied with yew credit card Purchases, for Balance Transfers and for Cash Advances are each powduses calculated separately and determined as follows: We take the beginning If you are dissatisfied with the goods or services that you have balances for each transaction type on your Account each day, including purchased with your credit card, and you have tried in good faith to any interest calculated on the previous day's balance, add to the correct the problem with the merchant you may have the right not to respective balances any new transaction, subtract any payments or pay the remaining amount due on the purchase. To use this right, all of credits and make any other applicable adjustment(s). Your Cardmember the following must be true: Agreement provides for compounding of interest. A credit balance is I. The purchase must have been made in your home state or within treated as a balance of zero. If you multiply the "Balance Subject to 100 miles of your current mailing address, and the purchase price Interest Rate for each balance category as shown on your monthly must have been more than S50. (Note: Neither of these are billing statement by the number of days in the billing penod and then necessary if your purchase was based on an advertisement we multiply each sum by the applicable DPR, the results will be the interest mailed to you, or if we own the company that sold you the goods assessed, except for mince variations caused by rounding. or services.) 2. You must have used your credit card for the purchase. Purchases Oedk bureau reports and disputes: We may report information made with cash advances from an ATM or with a check that about your account to credit bureaus. Late payments, missed accesses your credit card account do not qualify. payments, or other defaults on your account may be reflected in your 3. You must not yet have fully paid for the purchase. credit report. If you believe that an entry we have made on your credit report is inaccurate or incomplete, please contact the credit bureau If all of the criteria above are met and you are still dissatisfied with the directly or contact us at UBS Bank USA, Card Operations Division, 1000 purchase, contact us be willing at: Harbor Boulevard, 8th Floor, Weehawken, NJ 07086. We will request UBS Bank USA--Disputes Department your name; your account number; the credit bureau where you received P.O. Box 84040 the credit report; a description of the error; and why you believe it is an Columbus, GA 31908 error. We will promptly investigate, notify you of our findings, and send While we investigate, the same rules apply to the disputed amount as an update to the credit bureaus if warranted within 30 days. 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 Mat to do If you flask you flood a 'mistake Se year statement pay, we may report you as delinquent. If you think there is an error on your statement write to us at: UBS Bank USA--Card Operations Dmsion Please refer to your Cardmember Agreement for additional information 1000 Harbor Boulevard, 8th Floor about the terms of your Account. Weehawken, NJ 07086 C2011 UBS Bank USA SDNY_GM_00008892 CONFIDENTIAL EFTA01596814