EFTA00271650

SUBS Statement Pilling Period: Payment Due Date Minimum Payment Due 03/27/15 - 04/26/15 May 23, 2015 535.00 UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Page 1 of 4 Customer News Primary Card Number Enifetig in: ME Questions? Call 1-800-762-1000 ubs.com/onlineservices Pay Credit Card reminder Your payment in the amount of $95.68 is scheduled to be paid on Account Summary Activity Summary 5/18/15 from your UBS Account. Minimum Payment Due 335 CO Previous 13.1 $586.62 I Thank you. 05/23/15 - Payments Credit Line $35,000 CO + Purchases $0.00 la -le Credit Line $34,502.77 - Other Credits Cash Credit Line S I4.000.00 + Cash Advances Emu Cash Line $14,000.00 + Fees Past Due Amount SO. CO + Interest $0.00 LOvedimit Amount $0.00 Statement Balance $49723 Payment Information* Statement Balance $497.23 Minimum Payment Due $35.00 Payment Due Date 05/23/2015 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to S35.00 and your APRs may be increased to the Penalty APR of 27.24%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charges You will pay off the balan And you will end up payl using this card and each month shown on this statement in estimated total about... Only the Minimum Payment 16 months 4543 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 make checks payable to •1185 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 $497.23 COLUMBUS GA 31908.4040 Payment Due Date May 23, 2015 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 052315 7826000014012491 5 0000003500 5 EFTA00271650 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 (RMAQI) or UBS Business Services Account BSA O. 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 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 eve 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 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 the funds from the bank on which yes payment Is drawn are Arsternafic repayment of cosh advances thresigh CashCoanect 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 aunionze 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'2) 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 1-800-762-1C00. 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 parchases. 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.comlonlinesewices 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 EFTA00271651 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 1,744 Points earned this period 0 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 1.744 •For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity fa GH1SLAINE MAXWELL - Card ending in= Date Desointim Amount Payments 04/I7 PAYMENT THANK YOU .595.68 Total Payments Activity -595.68 Summary of Fees and Interest Interest Charged Date Description Amount 04/24 '.1:.,<:S1 CHARGE-PURCHASES $6.29 Total InVERffirthls period 2015 Totals Year-to-Date Summary of Fees and Interest J Total Fees (Innen in 2015 itODO Total Interest Charged in 2015 $26.31 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $558.91 13.24% (v) $6.29 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 Customer Notifkations Make your payment online Set up one-time or recurring monthly payments via our online Pay Credit Card feature on UBS Online Services. It's a quick, safe, easy and secure way to pay your monthly credit card bill. Log in at www.ubs.com/onlineservices, and go to Cash Management > Card Services > Pay Credit Card. EFTA00271652 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) we will credit any payment applied toward Purchases as of the first Dollar amount: " • . ..:war 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:nbe you bel.e,,e 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 wesidnee. 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 2 How we will calculate your balance subject to interest rate. may continue to charge you interest on that amount. But, if we 8 We use a method called "daily balance' (inciudtrig 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 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 OPR) (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 ford Purchases, u) Balance Transfers and iii) Cash Advances. The daily balances for Veer rights if you are dissatisfied with year credit card Purchases, for Balance Transfers and for Cash Advances are each purchases 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 $50. (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 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 %%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 What to do If you thine 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 Division 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 EFTA00271653 SUBS Statement Billing Period: Payment Due Date Minimum Payment Due 02/27/15- 03/26/15 April 23, 2015 535.00 UBS Visa Signature® credit card statement Prepared for: GHISUMNE MAXWELL Page 1 of 4 Customer News Primary Card Number Ending in: Questions? Call 1-800-762-1000 ubs.convonaneservices Pay Credit Card reminder Account Summary Activity Summary Your payment in the amount of Payment Due $35.00 Previous Balance 4675.71 $95.68 is scheduled to be paid on Payment Oise 4/18/15 from your UBS Account. C red.t Line $35,000.00 I + Purchases Thank you. Available Cred Cash. Credit Line $14,000.00 Shop for your springtime gift-giving needs, and use your points to do it, Available Cash Line Past Due Amount gel moo + Fees I + Interest SOHO on the newly redesigned My Choice Overlimit Amount $0.00 `Statement Balance $586.62 Rewards web site. Find gift cards for fine dining and premium retail, Payment Information* browse the latest in trendy goods Statement Balance $586.62 and the latest gadgets, book your Minimum Payment Due $35.00 summer travel or redeem for a Payment Due Date 04/232015 statement credit at ubs.com/onlineservices. Just click Late Payment Warning: If we do not receive your minimum payment by the date listed above, you "View Rewards' on the Cash may have to pay a late fee up to S35.00 and your APRs may be increased to the Penalty APR of Management tab. 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 $652 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.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/onlineseivices. 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 deltvery. UBS BANK USA - CARD SERVICES PO BOX 84040 UBS Card Number Ending in Minimum Payment Due Statement Balance $35.00 $586.62 COLUMBUS GA 31908.4040 Payment Due Date April 23, 2015 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 042315 7826000014012491 5 0000003500 5 EFTA00271654 leportat Infonnetion Lest er 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 (RMAQa) 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 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 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. 8 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. 8 increased by the payment amount for up to 7 days to ensure the funds from the bank on which yew payment Is drawn are Ardernafic repayment of cash advances through Cashranect 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.comionlinesewices 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 EFTA00271655 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 1,744 Points earned this period 0 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 1,744 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHISLAINE MAXWELL - Card ending in= Date Desoipticn Amount Payments 03/IS PAYMENT THANK YOU -$95.68 Total Payments Activity -$95.68 Summary of Fees and Interest Interest Charged Date Description Amount 03/26 '.1 _SE CHARGE-PURCHASES $6.59 Total kiVENShk period Iff -2015 Totals Year-to-Date Summary of Fees and Interest Total Fees (Innen in 2015 $OGO Total Interest Charged in 2015 $20.02 Interest Charge Calculation - zs Days in Bilhng Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $648.23 13.24% (v) $6.59 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 EFTA00271656 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing In your letter, give us the • 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: • 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.cNe 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 w.Xkng. 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' (includuty new purcbase5). 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 OPR) (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 for Veer rights if you are dissatisfied with your 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 $50. (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 repeats 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 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 What to do If you think you find a 'mistake on your 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 Mason 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 EFTA00271657 SUBS Statement Billing Period Payment Due Date Minimum Payment Due 01/27/15 - 02/26/15 March 23. 2015 535.00 UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Page 1 of a Customer News Primary Card Number Ending in:. Questions? Call 1-800-762-1000 ubs.corWonlneservices View your card account activity. download credit card statements an Account Summary Activity Summary more at ubs.com lonlineservices in the Minimum Payment Due $35.00 I Previous Balance $496.46 cash management tab. Payment Due Date lir 03/11013, - Payments Credit Line $35,000.00 + Purchases $267.56 Available Credit Line $34,324.29 - Other Credits Cash Credit Line $14.000.00 + Cash Advances Pay Credit Card reminder Available Cash tine $14,000.00 + Fees $0.00 Your payment in the amount of Past Due Amount 50.00 + Interest $95.68 is scheduled to be paid on Statement Balance $675.71 3/18/1 5 from your UBS Account. Thank you. Payment Information* Statement Balance $675.71 Minimum Payment Due $35.00 Payment Due Date 03/23/2015 Late P4nient Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of 27.24%. Minimum Payment Waming: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For Instance If you make no additional charges 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 22 months $763 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.dfs.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 cnecks payable to •U85 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 $675.71 COLUMBUS GA 31908.4040 Payment Due Date March 23, 2015 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 032315 7826000014012491 5 0000003500 5 EFTA00271658 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 or UBS Business Services Account BSA O. 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 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 8 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 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 the funds from the bank on which yew payment Is drawn are 0 Ardernafic 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 aunionze 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'2) 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.comIonlinesewices 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 EFTA00271659 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this petiod 1,475 Points earned this petiod 269 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 1,744 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHISLAINE MAXWELL - Card ending in Date Desoip6cn Amount Payments 02/18 PAYMENT THANK YOU -$95.68 Total Payments Activity -595.68 Purchases 01/27 MARLBORO MARKET BOSTON MA $95.01 01/27 DUALITY MART INC BOSTON MA $33.51 02/05 MARLBORO MARKET BOSTON MA $6254 02/23 ESPA CORP NEW YORK NY $7650 Total Purchases Activity 5267.56 Summary of Fees and Interest Interest Charged Date Description Amount C2/2 INTEREST CHARGE•PSTRC HASES 57.37 Total Interest for this period1 37 2015 Totals Year-to-Date Summary of Fees and Interest A Total Fees Charged in 2015 $0.00 Total Interest Charged in 2015 $13.43 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $655.00 13.24% (v) $7.37 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 EFTA00271660 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing In your letter, give us the • ...‘J.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: • • . ..:war 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;:the w:lat you oel.e,,e 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 In wrking. 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' (inciudtny nev 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. 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 OPR) (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, 6) Balance Transfers and iii) Cash Advances. The daily balances fa Veer rights if you are dissatisfied with your credit card Purchases, for Balance Transfers and for Cash Advances are each purchases 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 $50. (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 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 IA multi.! 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 What to do If you Wilk 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 Dmsion Please refer to your Cardmember Agreement for additional information 1000 Harbor Boulevard, 8th Floor about the terms of your Account. Weehawken, NJ 07086 e22011 UBS Bank USA EFTA00271661 SUBS Statement Billing Period: Payment Due Date Minimum Payment Due 12/27/14 - 01/26/1S February 23, 2015 535.00 UBS Visa Signature® credit card statement Prepared for: GHISLNNE MAXWELL Page 1 of 4 Customer News Primary Card Number Ending in:M Questions? Call 1-800-762-1000 ubs.convonaneservices An annual summary statement Account Summary Activity Summary which includes all of your credit card Minimum Payment Due $35.00 Previous Balance $544.08 account activity from 2014 is available online. To view the C t Line $35,000.00 statement logon to your UBS Online Available Credit Li Services account. The card Cash Credit Line $14,000.00 services menu can be found in the I Available Cash Line + Fees $0.00 cash management section. Past Due Amount $0.00 + Interest Overlimit Amount $0.00 Statement Balance $496.46 Payment Information* Statement Balance $496.46 Pay Credit Card reminder Minimum Payment Due $35.00 Your payment in the amount of Payment Due Date 02/23/2015 $9 5.6 8 is scheduled to be paid on 2/18/1 5 from your UBS Account. Late Payment Warning: If we do not receive your minimum payment by the date listed above, you Thank 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 balan drug this card and each month shown on this statement i u pay about... Only the Minimum Payment 16 months $543 If you would like information about credit counseling services, call 1-800-762-1000. The phone number for UBS Bank USA is 1-800-762-1000. New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. 1-800-342-3736 or www.dh.ny.gov Repayment information is based on your account activity and the APRs on your account as of the closing date of this statement. Account activity after the closing date is not reflected. To view your most recent transaction activity online, go to ubs.com/onlineseivices. Detach here. Please make (necks payable to 'UBS Card Service( 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 $496.46 COLUMBUS GA 31908.4040 Payment Due Date February 23, 2015 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 022315 7826000014012491 5 0000003500 5 EFTA00271662 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 (RMAQI) or UBS Business Services Account BSA 0. 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 1400-762-1000. An expedited payment made by phone by 5:00 p.m. Payee's! Infennation: 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 you cannot "pay ahead". This means that if you pay more than the to your credit line may be delayed. 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 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 the funds from the bank on which yew payment Is drawn are 0 Arstematfc repayment of cash advances through Cashreanect 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 aunionze 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'IE 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 apneas: previous billing statement by the Payment Due Date on that statement, Online: Visit ubs.comlonlinesewices 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 EFTA00271663 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 1,433 Points earned this period 42 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 1,475 • For more details on your rewards points activity, please visit us online at ubs.comiuscards Activity for GHISLAINE MAXWELL - Card ending in- Date Desoiptial Amount Payments 01/16 PAYMENT THANK YOU -$9868 Total Payments Activity -$95.68 Purchases 01/08 ESPA CORP NEW YORK NY $42.00 Total Purchases Activity $42.00 Summary of Fees and Interest Interest Charged Date Description Amount 01126 INTEREST CHARGE-PURCHASES S6 06 Total Interest for this period $6.06 2015 Totals Year-to-Date Summary of Fees and Interest Total Fees Charged in 2015 Total Interest Charged in 2015 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $538.86 13.24% (v) $6.06 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES $0.00 21.99% 84 $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271664 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing In your letter, give us the • 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: • . ..:war 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;:the . v:lat you oel.cNe 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 wecidni. 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' (includny flew purcnase5). 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 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 OPR) (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, 6) Balance Transfers and iii) Cash Advances. The daily balances for Von rights If you are dissatisfied with your credit card Purchases, for Balance Transfers and for Cash Advances are each purcbasos 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 $50. (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 minor 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 tufting 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 Mk* you flood • 'mistake on yomr ststomeout 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 EFTA00271665 SUBS Statement Billing Period: Payment Due Date Minimum Payment Due 11/27/14 - 12/26/14 January 23, 2015 535.00 UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Page 1 of 4 Customer News Primary Card Number Ending in:= Questions? Call 1-800-762-1000 ubs.convonbneservices Pay Credit Card reminder Account Summary Activity Summary Your payment in the amount of Minimum Payment Due $35.00 Previous Balance $289.37 $9 5.6 8 is scheduled to be paid on 1/18/1 5 from your UBS Account. Paymen ue a, C .ncil Line $35,000.00 alhents + Purchases 595.E 1344.52 Thank you. —Available Credit Lin Casl Credit Line I Available Cash Line $14,000.00 r+ ther Credits Cash Advances + Fees $0.00 $0.00 $0.00 Make life easier while earning Past Due Amount 50.00 I+ Interest rewards: Overlimit Amount $0.00 Statement Balance 5544.08 Set up your recurring monthly bills for automatic payment with your Payment Information* UBS Visa Signature credit card. Not Statement Balance $544.08 only will you earn rewards for each Minimum Payment Due $35.00 dollar spent. you'll have the Payment Due Date 01/23/2015 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 535.00 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 baler Sing this card and each month shown on this statement i u pay about... Only the Minimum Payment 18 months $600 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 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 $35.00 $544.08 COLUMBUS GA 31908.4040 Payment Due Date January 23, 2015 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 012315 7626000014012491 5 0000003500 5 EFTA00271666 Important Information 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 O. 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 1-800-762-1000. An expedited payment made by phone by 5:00 p.m. Payee's! Infennation: 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 me 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 the funds from the bank on which your payment Is drawn are Arstensatic repayment of cash advances through Cashreanect 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 aunionze 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 IRMA 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 n 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 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.comIonlineservices 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 EFTA00271667 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 1,087 Points earned this period 346 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 1,433 • For more details on your rewards points activity, please visit us online at ubs.com/uscards Activity for GHISLAINE MAXWELL - Card ending in= Date Desoiptch Amount Payments 12118 PAYMENT THANK YOU -$95.68 Total Payments Activity -$95.68 Purchases 11/28 ESPA CORD NEW YORK NY $79.50 12/02 STARBUCKS #18509 NEW YORKNew York NY $3.54 12/03 STARBUCKS #18509 NEW YORKNew Yak NY $4.30 12/04 STAPLES 00153221 NEW YORK NY $203.78 12/05 STAPLES 00153221 NEW YORK NY $6.53 12/06 FEDEX 840112804781 800-4633339 TN S 13.60 12/07 TOTAL WINE AND MORE 303 RIVER EDGE NJ $33.27 Total Purchases Activity S344.52 Summary of Fees and Interest Interest Charged Date Description Amount 12/26 INTEREST CHARGE-PURCHASES $5.87 55.87 2014 Totals Year-to-Date Summary of Fees and Interest Total Fees CI' tiger: r: CcA 1CA0 Total Interest Charged in 201,1 $22.07 Interest Charge Calculation - 30 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $539.28 13.24% (v) $5.87 BALANCE TRANSFERS $0.00 13.24% M $0.00 CASH ADVANCES $0.00 21.99% (v) $0.00 Frotal Your Annual Percentage Rate (APR) is the annual interest rate on your account. (y) = Variable Rate EFTA00271668 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing In your letter, give us the • ...%J.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: • • . ..:war 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;:the w:lat you oel.e,,e 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 wnillnee. 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. S 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: S 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. IC 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' (inciudtny nev purcnase5). 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 OPR) (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 0 Purchases, 6) Balance Transfers and iii) Cash Advances. The daily balances for Veer rights if you are dissatisfied with your credit card Purchases, for Balance Transfers and for Cash Advances are each purchases 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 $50. (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 multi.! 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 What to do If you Wilk 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 Dmsion Please refer to your Cardmember Agreement for additional information 1000 Harbor Boulevard, 8th Floor about the terms of your Account. Weehawken, NJ 07086 422011 UBS Bank USA EFTA00271669 SUBS Statement Ealing Period: Payment Due Date Minimum Payment Due 10/27/14 - 11/26/14 December 23, 2014 535.00 UBS Visa Signature® credit card statement Prepared for: GHISLAINE MAXWELL Page 1 of 4 Customer News Primary Card Number Ending in= Questions? Call 1-800-762-1000 ubs.corn/onlineservices Pay Credit Card reminder Account Summary Activity Summary Your payment in the amount of Minimum Payment Due 435 CO Previous Balance $238.83 595.68 is scheduled to be paid o Ellin Due Date 12/23/14 I I- $95.68 12/1 8/1 4 from your UBS Account Credit Line $35,000.00 Purchases 1143.25 Thank you. ratble Credit Line $34,710.63 - Other Credits $0.00 Cask Credit Line $14,000.00 + Cash Advances $0.00 Shop for your holiday gift-giving Wobble Cash Line $14,000.00 + Fees $0.00 needs, and use your points to do it. Past Due Amount $0.00 I + Interest $2.97 on the newly redesigned My Choice alit Amount $0.00 Statement Balance $289.37 Rewards web site. Find gift cards for fine dining and premium retail. Payment Information* browse the latest in luxury goods Statement Balance $289.37 and trendy gadgets. book your Minimum Payment Due $35.00 holiday travel at Payment Due Date 12/23/2014 ubs.com/onlineservices or buy what you want and redeem for a late • t Warning: If we do not receive your minimum payment by the date listed above, you statement credit. Just log into your may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of Online Services at ubs.com and 27.24%. click "View Rewards" on the Cash Minimum Payment Warning: If you make only the minimum payment each period, you will pay more Management tab. 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 9 months $305 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.comionlineservices. la4 Detach here. Please make checks payable to UBS Card Servicee and include this payment coupon in the enclosed envelope. Please allow] - 10 business days for u.S. Postal Service delivery. UBS BANK USA CARD SERVICES PO BOX 84040 UBS Card Number Ending in Minimum Payment Due Statement Balance $35.00 5289.37 COLUMBUS GA 31908.4040 Payment Due Date December 23, 2014 You are enrolled in Automated Pay Credit Card. Send paym enis io: GHISLAINE MAXWELL UBS BANK USA - CARD SERVICES PO BOX 203219 DALLAS TX 75320-3219 122314 7826000014012491 5 0000003500 5 EFTA00271670 leportat Information 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 (RMAQa) 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 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 S the Minimum Payment Due up to the full amount you me us, however you cannot "pay ahead". This means that if you pay more than the to your credit line may be delayed. 8 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 yes payment Is drawn are Arstearafic 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 aunionze 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'2) 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 parchases. 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.comionlinesewices 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 EFTA00271671 Page 3 of 4 My Choke Rewards Points from UBS Account Summary Total Points Beginning Points this period 944 Points earned this period 143 Bonus points 0 Adjustments 0 Redemptions 0 Ending points balance 1,087 • For more details on your rewards points activity, please visit us online at ubs.com/uscards ActMtytaGHISLAINE MAXWELL - Card ending in Date Desoiptich Arrount Payments 11/18 PAYMENT THANK YOU -$9568 Total Payments Activity -$95.68 Purchases 1I/I I ESPA CORP NEW YORK NY $59.00 I I/I 5 MARLBORO MARKET BOSTON MA $22.25 11/21 ESPA CORP NEW YORK NY $62.00 Total Purchases Activity $143.25 Summary of Fees and Interest Interest Charged Date Description Amount 11/26 INTEREST CHARGE-PURCHASES $2 97 total Interest for this period 52.97 2014 Totals Year-to-Date Summary of Fees and Interest I oral Fees Charged er 2014 $0.00 Total Interest Charged in 2014 $16.20 Interest Charge Calculation - 31 Days in Billing Cyde Balance ANNUAL Subject to PERCENTAGE Interest Interest Rate RATE (APR) Charge PURCHASES $263.49 13.24% (v) $2.97 BALANCE TRANSFERS $0.00 13.24% (v) $0.00 CASH ADVANCES 40.00 21.99% M $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. (v) = Variable Rate EFTA00271672 Page 4 of 4 billing penod if you pay the Statement Balance on the current billing In your letter, give us Pm • 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: • . ..:war 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;:the . v:lat you oel.cNe 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 wirsidnee. 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. iR 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' (inciudtny 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 88 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 OPR) (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 foe Von rights If you are dissatisfied with your credit card Purchases, for Balance Transfers and for Cash Advances are each perm 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 $50. (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 %%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 think you find • 'mistake on your ststomeout 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 Division 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 EFTA00271673